Home > The First National Bank of Henning > Performance and Condition Ratios
The First National Bank of Henning, 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 | 4.9441% | 2,190 |
| Cost of funding earning assets | 1.8246% | 1,208 |
| Net interest margin | 3.1195% | 3,055 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.3133% | 2,817 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0521% | 2,059 |
| Return on assets (ROA) | 1.0527% | 2,027 |
| Pretax return on assets | 1.1470% | 2,270 |
| Return on Equity (ROE) | 15.8100% | 1,134 |
| Retained earnings to average equity (ytd only) | 9.4914% | 1,137 |
| Net charge-offs to loans | -0.0115% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.6048% | 2,400 |
| Assets per employee ($millions) | 7.6684% | 1,610 |
| Cash dividends to net income (ytd only)* | 39.9760% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 1,700 |
| Loan loss allowance to noncurrent loans | 206.6076% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 1,249 |
| Noncurrent loans to loans | 0.6365% | 1,240 |
| Net loans and leases to total assets | 69.0200% | 1,918 |
| Net loans and leases to deposits | 82.1911% | 1,931 |
| Net loans and leases to core deposits | 90.3651% | 2,024 |
| Total domestic deposits to total assets | 83.9800% | 2,622 |
| Equity capital to assets | 7.4158% | 3,760 |
| Core capital (leverage) ratio | 10.5324% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6520% | 1,358 |
| Memoranda: | ||
| Average total assets | $316,044,400 | 2,337 |
| Average earning assets | $301,649,800 | 2,297 |
| Average equity | $21,040,200 | 2,771 |
| Average total loans | $218,288,800 | 2,174 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 2,184 |
| Cost of funding earning assets | 1.6616% | 1,255 |
| Net interest margin | 3.1797% | 2,961 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.2800% | 2,854 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0693% | 2,152 |
| Return on assets (ROA) | 1.0701% | 2,135 |
| Pretax return on assets | 1.1737% | 2,356 |
| Return on Equity (ROE) | 16.5700% | 1,156 |
| Retained earnings to average equity (ytd only) | 9.0749% | 1,662 |
| Net charge-offs to loans | -0.0136% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.3631% | 2,452 |
| Assets per employee ($millions) | 7.4690% | 1,652 |
| Cash dividends to net income (ytd only)* | 45.2371% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 1,743 |
| Loan loss allowance to noncurrent loans | 260.5331% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 1,586 |
| Noncurrent loans to loans | 0.5104% | 1,542 |
| Net loans and leases to total assets | 70.0100% | 1,825 |
| Net loans and leases to deposits | 80.4563% | 2,007 |
| Net loans and leases to core deposits | 88.2038% | 2,039 |
| Total domestic deposits to total assets | 87.0100% | 1,894 |
| Equity capital to assets | 5.5096% | 4,140 |
| Core capital (leverage) ratio | 10.3246% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2819% | 1,479 |
| Memoranda: | ||
| Average total assets | $312,620,250 | 2,363 |
| Average earning assets | $298,255,000 | 2,317 |
| Average equity | $20,187,000 | 2,831 |
| Average total loans | $215,205,750 | 2,194 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 2,329 |
| Cost of funding earning assets | 1.4002% | 1,448 |
| Net interest margin | 3.2413% | 2,884 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.2578% | 2,927 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.1274% | 2,044 |
| Return on assets (ROA) | 1.1286% | 2,036 |
| Pretax return on assets | 1.2299% | 2,285 |
| Return on Equity (ROE) | 16.6300% | 1,158 |
| Retained earnings to average equity (ytd only) | 9.6395% | 1,499 |
| Net charge-offs to loans | -0.0066% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.6703% | 2,631 |
| Assets per employee ($millions) | 7.4162% | 1,647 |
| Cash dividends to net income (ytd only)* | 42.0481% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 1,740 |
| Loan loss allowance to noncurrent loans | 245.4770% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 1,396 |
| Noncurrent loans to loans | 0.5474% | 1,364 |
| Net loans and leases to total assets | 68.7200% | 1,879 |
| Net loans and leases to deposits | 80.4811% | 1,937 |
| Net loans and leases to core deposits | 87.1889% | 1,993 |
| Total domestic deposits to total assets | 85.3900% | 2,429 |
| Equity capital to assets | 6.6517% | 3,927 |
| Core capital (leverage) ratio | 10.5717% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5286% | 1,419 |
| Memoranda: | ||
| Average total assets | $309,772,000 | 2,381 |
| Average earning assets | $295,811,000 | 2,339 |
| Average equity | $21,017,667 | 2,772 |
| Average total loans | $210,985,667 | 2,216 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 2,274 |
| Cost of funding earning assets | 1.0283% | 1,951 |
| Net interest margin | 3.4891% | 2,394 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.3708% | 2,606 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.1677% | 2,031 |
| Return on assets (ROA) | 1.1677% | 1,997 |
| Pretax return on assets | 1.2765% | 2,235 |
| Return on Equity (ROE) | 17.0400% | 1,167 |
| Retained earnings to average equity (ytd only) | 17.0359% | 594 |
| Net charge-offs to loans | -0.0078% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9655% | 2,572 |
| Assets per employee ($millions) | 7.5115% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 1,637 |
| Loan loss allowance to noncurrent loans | 843.1487% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 2,056 |
| Noncurrent loans to loans | 0.1655% | 2,666 |
| Net loans and leases to total assets | 66.3400% | 2,025 |
| Net loans and leases to deposits | 75.9738% | 2,119 |
| Net loans and leases to core deposits | 81.6567% | 2,136 |
| Total domestic deposits to total assets | 87.3200% | 2,156 |
| Equity capital to assets | 7.1020% | 3,782 |
| Core capital (leverage) ratio | 10.8477% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9507% | 1,383 |
| Memoranda: | ||
| Average total assets | $305,209,000 | 2,437 |
| Average earning assets | $290,962,000 | 2,393 |
| Average equity | $20,920,500 | 2,803 |
| Average total loans | $205,406,500 | 2,265 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 1,508 |
| Cost of funding earning assets | 0.4936% | 1,435 |
| Net interest margin | 3.5902% | 1,672 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.3953% | 2,437 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.4216% | 1,071 |
| Return on assets (ROA) | 1.3577% | 1,208 |
| Pretax return on assets | 1.4825% | 1,508 |
| Return on Equity (ROE) | 18.3900% | 647 |
| Retained earnings to average equity (ytd only) | 11.1224% | 858 |
| Net charge-offs to loans | 0.0092% | 2,033 |
| Credit loss provision to net charge-offs | 2,352.9412% | 228 |
| Earnings coverage of net charge-offs (x) | 294.1765% | 497 |
| Efficiency ratio | 58.6763% | 3,236 |
| Assets per employee ($millions) | 7.0337% | 1,948 |
| Cash dividends to net income (ytd only)* | 39.5280% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,107 |
| Loan loss allowance to noncurrent loans | 14,216.6667% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,857 |
| Noncurrent loans to loans | 0.0088% | 3,794 |
| Net loans and leases to total assets | 66.4700% | 1,984 |
| Net loans and leases to deposits | 74.4708% | 2,221 |
| Net loans and leases to core deposits | 79.0441% | 2,196 |
| Total domestic deposits to total assets | 89.2600% | 1,643 |
| Equity capital to assets | 6.6025% | 3,860 |
| Core capital (leverage) ratio | 10.6821% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $296,454,800 | 2,465 |
| Average earning assets | $283,436,800 | 2,425 |
| Average equity | $21,883,800 | 2,782 |
| Average total loans | $183,924,600 | 2,343 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 1,316 |
| Cost of funding earning assets | 0.4181% | 1,170 |
| Net interest margin | 3.5582% | 1,496 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.3569% | 2,451 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4665% | 917 |
| Return on assets (ROA) | 1.4677% | 898 |
| Pretax return on assets | 1.5934% | 1,133 |
| Return on Equity (ROE) | 19.3600% | 494 |
| Retained earnings to average equity (ytd only) | 12.0735% | 780 |
| Net charge-offs to loans | 0.0015% | 2,256 |
| Credit loss provision to net charge-offs | 14,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,901.0000% | 66 |
| Efficiency ratio | 57.8305% | 3,402 |
| Assets per employee ($millions) | 6.9607% | 1,975 |
| Cash dividends to net income (ytd only)* | 37.6347% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,242 |
| Loan loss allowance to noncurrent loans | 762.1118% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 2,886 |
| Noncurrent loans to loans | 0.1646% | 2,775 |
| Net loans and leases to total assets | 64.5400% | 2,032 |
| Net loans and leases to deposits | 69.5843% | 2,401 |
| Net loans and leases to core deposits | 74.3327% | 2,326 |
| Total domestic deposits to total assets | 92.7600% | 645 |
| Equity capital to assets | 5.2491% | 4,209 |
| Core capital (leverage) ratio | 10.5860% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7235% | 1,498 |
| Memoranda: | ||
| Average total assets | $294,956,750 | 2,495 |
| Average earning assets | $282,231,750 | 2,449 |
| Average equity | $22,362,500 | 2,787 |
| Average total loans | $179,004,000 | 2,385 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 1,170 |
| Cost of funding earning assets | 0.4084% | 868 |
| Net interest margin | 3.4625% | 1,414 |
| Noninterest income to average assets | 0.5990% | 1,743 |
| Noninterest expense to average assets | 2.2446% | 2,719 |
| Loan and lease loss provision to assets | 0.1227% | 806 |
| Net operating income to assets | 1.4216% | 855 |
| Return on assets (ROA) | 1.4235% | 835 |
| Pretax return on assets | 1.5495% | 1,047 |
| Return on Equity (ROE) | 16.9978% | 570 |
| Retained earnings to average equity (ytd only) | 9.8374% | 1,063 |
| Net charge-offs to loans | -0.0115% | 3,632 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3368% | 3,638 |
| Assets per employee ($millions) | 6.8308% | 2,048 |
| Cash dividends to net income (ytd only)* | 42.1254% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,174 |
| Loan loss allowance to noncurrent loans | 616.1458% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 2,799 |
| Noncurrent loans to loans | 0.2116% | 2,656 |
| Net loans and leases to total assets | 60.9765% | 2,221 |
| Net loans and leases to deposits | 66.8014% | 2,482 |
| Net loans and leases to core deposits | 70.0268% | 2,487 |
| Total domestic deposits to total assets | 91.2802% | 1,113 |
| Equity capital to assets | 6.7135% | 3,936 |
| Core capital (leverage) ratio | 10.4737% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2340% | 1,380 |
| Memoranda: | ||
| Average total assets | $293,505,333 | 2,517 |
| Average earning assets | $281,066,000 | 2,479 |
| Average equity | $24,579,667 | 2,706 |
| Average total loans | $173,459,333 | 2,438 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 979 |
| Cost of funding earning assets | 0.4117% | 812 |
| Net interest margin | 3.4513% | 1,185 |
| Noninterest income to average assets | 0.5985% | 1,703 |
| Noninterest expense to average assets | 2.2127% | 2,807 |
| Loan and lease loss provision to assets | 0.1227% | 678 |
| Net operating income to assets | 1.4792% | 664 |
| Return on assets (ROA) | 1.4792% | 656 |
| Pretax return on assets | 1.5774% | 867 |
| Return on Equity (ROE) | 16.0681% | 523 |
| Retained earnings to average equity (ytd only) | 15.9941% | 233 |
| Net charge-offs to loans | -0.0330% | 4,121 |
| Credit loss provision to net charge-offs | -642.8571% | 3,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5505% | 3,828 |
| Assets per employee ($millions) | 6.2813% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.4608% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,159 |
| Loan loss allowance to noncurrent loans | 518.1818% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,725 |
| Noncurrent loans to loans | 0.2586% | 2,551 |
| Net loans and leases to total assets | 58.0961% | 2,286 |
| Net loans and leases to deposits | 63.8973% | 2,536 |
| Net loans and leases to core deposits | 67.2651% | 2,517 |
| Total domestic deposits to total assets | 90.9210% | 1,075 |
| Equity capital to assets | 8.1712% | 3,430 |
| Core capital (leverage) ratio | 10.3073% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1917% | 1,218 |
| Memoranda: | ||
| Average total assets | $293,396,500 | 2,529 |
| Average earning assets | $281,751,500 | 2,494 |
| Average equity | $27,010,000 | 2,653 |
| Average total loans | $169,455,000 | 2,460 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 1,709 |
| Cost of funding earning assets | 0.5278% | 798 |
| Net interest margin | 3.3389% | 2,213 |
| Noninterest income to average assets | 0.8997% | 1,197 |
| Noninterest expense to average assets | 2.3473% | 2,668 |
| Loan and lease loss provision to assets | 0.1180% | 1,065 |
| Net operating income to assets | 1.5326% | 949 |
| Return on assets (ROA) | 1.5027% | 1,055 |
| Pretax return on assets | 1.6378% | 1,318 |
| Return on Equity (ROE) | 13.9321% | 1,207 |
| Retained earnings to average equity (ytd only) | 5.8691% | 2,416 |
| Net charge-offs to loans | 0.1189% | 760 |
| Credit loss provision to net charge-offs | 172.7749% | 1,398 |
| Earnings coverage of net charge-offs (x) | 26.1937% | 1,704 |
| Efficiency ratio | 56.7589% | 3,607 |
| Assets per employee ($millions) | 6.6189% | 2,225 |
| Cash dividends to net income (ytd only)* | 57.8735% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,412 |
| Loan loss allowance to noncurrent loans | 8,704.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,074 |
| Noncurrent loans to loans | 0.0148% | 3,980 |
| Net loans and leases to total assets | 55.9306% | 2,622 |
| Net loans and leases to deposits | 62.4145% | 2,844 |
| Net loans and leases to core deposits | 65.9102% | 2,830 |
| Total domestic deposits to total assets | 89.6116% | 1,163 |
| Equity capital to assets | 10.2098% | 2,460 |
| Core capital (leverage) ratio | 9.9337% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9875% | 1,267 |
| Memoranda: | ||
| Average total assets | $279,769,600 | 2,538 |
| Average earning assets | $271,134,600 | 2,478 |
| Average equity | $30,175,000 | 2,520 |
| Average total loans | $160,691,400 | 2,535 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 1,789 |
| Cost of funding earning assets | 0.5584% | 793 |
| Net interest margin | 3.3320% | 2,332 |
| Noninterest income to average assets | 0.9024% | 1,251 |
| Noninterest expense to average assets | 2.3624% | 2,554 |
| Loan and lease loss provision to assets | 0.1163% | 1,034 |
| Net operating income to assets | 1.6513% | 916 |
| Return on assets (ROA) | 1.6605% | 945 |
| Pretax return on assets | 1.6644% | 1,505 |
| Return on Equity (ROE) | 15.1764% | 1,110 |
| Retained earnings to average equity (ytd only) | 6.9064% | 2,456 |
| Net charge-offs to loans | 0.0101% | 1,944 |
| Credit loss provision to net charge-offs | 2,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 304.7500% | 430 |
| Efficiency ratio | 57.1479% | 3,400 |
| Assets per employee ($millions) | 6.4073% | 2,329 |
| Cash dividends to net income (ytd only)* | 54.4924% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,127 |
| Loan loss allowance to noncurrent loans | 179.6193% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 1,723 |
| Noncurrent loans to loans | 0.7655% | 1,476 |
| Net loans and leases to total assets | 56.3445% | 2,689 |
| Net loans and leases to deposits | 63.5541% | 2,898 |
| Net loans and leases to core deposits | 67.2074% | 2,839 |
| Total domestic deposits to total assets | 88.6560% | 1,484 |
| Equity capital to assets | 10.6476% | 2,323 |
| Core capital (leverage) ratio | 10.2647% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7236% | 1,186 |
| Memoranda: | ||
| Average total assets | $275,249,250 | 2,589 |
| Average earning assets | $266,936,750 | 2,530 |
| Average equity | $30,116,250 | 2,555 |
| Average total loans | $158,672,750 | 2,593 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 2,246 |
| Cost of funding earning assets | 0.5906% | 779 |
| Net interest margin | 3.1425% | 2,916 |
| Noninterest income to average assets | 0.9384% | 1,178 |
| Noninterest expense to average assets | 2.3574% | 2,593 |
| Loan and lease loss provision to assets | 0.1255% | 1,000 |
| Net operating income to assets | 1.5010% | 1,289 |
| Return on assets (ROA) | 1.5091% | 1,331 |
| Pretax return on assets | 1.5121% | 1,978 |
| Return on Equity (ROE) | 13.6623% | 1,514 |
| Retained earnings to average equity (ytd only) | 5.3540% | 3,051 |
| Net charge-offs to loans | 0.0166% | 1,620 |
| Credit loss provision to net charge-offs | 1,307.6923% | 392 |
| Earnings coverage of net charge-offs (x) | 169.7692% | 551 |
| Efficiency ratio | 59.1296% | 3,135 |
| Assets per employee ($millions) | 6.3585% | 2,276 |
| Cash dividends to net income (ytd only)* | 60.8121% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,875 |
| Loan loss allowance to noncurrent loans | 320.7602% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 2,714 |
| Noncurrent loans to loans | 0.4437% | 2,339 |
| Net loans and leases to total assets | 54.3169% | 3,098 |
| Net loans and leases to deposits | 60.9788% | 3,302 |
| Net loans and leases to core deposits | 64.8933% | 3,199 |
| Total domestic deposits to total assets | 89.0751% | 1,244 |
| Equity capital to assets | 10.6115% | 2,299 |
| Core capital (leverage) ratio | 10.3179% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6375% | 1,010 |
| Memoranda: | ||
| Average total assets | $270,889,667 | 2,605 |
| Average earning assets | $262,786,000 | 2,546 |
| Average equity | $29,921,667 | 2,562 |
| Average total loans | $156,656,333 | 2,624 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 2,047 |
| Cost of funding earning assets | 0.6220% | 789 |
| Net interest margin | 3.1982% | 2,702 |
| Noninterest income to average assets | 0.8527% | 1,453 |
| Noninterest expense to average assets | 2.3674% | 2,603 |
| Loan and lease loss provision to assets | 0.1351% | 1,001 |
| Net operating income to assets | 1.4457% | 1,452 |
| Return on assets (ROA) | 1.4457% | 1,521 |
| Pretax return on assets | 1.4457% | 2,148 |
| Return on Equity (ROE) | 12.8235% | 1,721 |
| Retained earnings to average equity (ytd only) | 12.8235% | 956 |
| Net charge-offs to loans | 0.0127% | 1,495 |
| Credit loss provision to net charge-offs | 1,800.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 210.6000% | 386 |
| Efficiency ratio | 59.9620% | 3,039 |
| Assets per employee ($millions) | 6.0603% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,189 |
| Loan loss allowance to noncurrent loans | 340.0641% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 3,004 |
| Noncurrent loans to loans | 0.3976% | 2,675 |
| Net loans and leases to total assets | 56.7743% | 2,947 |
| Net loans and leases to deposits | 64.0122% | 3,125 |
| Net loans and leases to core deposits | 67.9186% | 3,070 |
| Total domestic deposits to total assets | 88.6930% | 1,509 |
| Equity capital to assets | 11.0144% | 1,846 |
| Core capital (leverage) ratio | 10.7911% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,448,000 | 2,622 |
| Average earning assets | $257,897,000 | 2,557 |
| Average equity | $30,038,500 | 2,539 |
| Average total loans | $157,905,500 | 2,620 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 1,795 |
| Cost of funding earning assets | 0.8633% | 981 |
| Net interest margin | 3.4593% | 2,601 |
| Noninterest income to average assets | 1.0129% | 1,025 |
| Noninterest expense to average assets | 2.5560% | 2,680 |
| Loan and lease loss provision to assets | 0.1517% | 2,477 |
| Net operating income to assets | 1.6443% | 581 |
| Return on assets (ROA) | 1.6738% | 574 |
| Pretax return on assets | 1.6755% | 894 |
| Return on Equity (ROE) | 13.9008% | 838 |
| Retained earnings to average equity (ytd only) | 7.8343% | 1,104 |
| Net charge-offs to loans | 0.1305% | 1,213 |
| Credit loss provision to net charge-offs | 176.4706% | 2,284 |
| Earnings coverage of net charge-offs (x) | 20.9069% | 1,922 |
| Efficiency ratio | 58.7085% | 3,630 |
| Assets per employee ($millions) | 5.5358% | 2,807 |
| Cash dividends to net income (ytd only)* | 43.6414% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,503 |
| Loan loss allowance to noncurrent loans | 762.9213% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 3,796 |
| Noncurrent loans to loans | 0.1681% | 3,606 |
| Net loans and leases to total assets | 60.2734% | 2,825 |
| Net loans and leases to deposits | 68.3538% | 3,047 |
| Net loans and leases to core deposits | 72.9646% | 3,003 |
| Total domestic deposits to total assets | 88.1786% | 1,392 |
| Equity capital to assets | 11.5454% | 1,850 |
| Core capital (leverage) ratio | 10.8101% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3359% | 992 |
| Memoranda: | ||
| Average total assets | $237,247,600 | 2,674 |
| Average earning assets | $229,121,400 | 2,605 |
| Average equity | $28,566,800 | 2,564 |
| Average total loans | $156,306,200 | 2,603 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 1,851 |
| Cost of funding earning assets | 0.9100% | 1,036 |
| Net interest margin | 3.4902% | 2,615 |
| Noninterest income to average assets | 1.0274% | 985 |
| Noninterest expense to average assets | 2.5599% | 2,663 |
| Loan and lease loss provision to assets | 0.1555% | 2,458 |
| Net operating income to assets | 1.6805% | 599 |
| Return on assets (ROA) | 1.7173% | 617 |
| Pretax return on assets | 1.7196% | 929 |
| Return on Equity (ROE) | 14.0996% | 865 |
| Retained earnings to average equity (ytd only) | 8.0805% | 1,277 |
| Net charge-offs to loans | 0.0043% | 3,003 |
| Credit loss provision to net charge-offs | 5,400.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 638.4000% | 193 |
| Efficiency ratio | 58.2035% | 3,636 |
| Assets per employee ($millions) | 5.2869% | 2,906 |
| Cash dividends to net income (ytd only)* | 42.6895% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,064 |
| Loan loss allowance to noncurrent loans | 211.0128% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 2,531 |
| Noncurrent loans to loans | 0.6279% | 2,227 |
| Net loans and leases to total assets | 64.3227% | 2,731 |
| Net loans and leases to deposits | 73.3627% | 3,011 |
| Net loans and leases to core deposits | 78.5275% | 2,965 |
| Total domestic deposits to total assets | 87.6776% | 1,355 |
| Equity capital to assets | 11.8728% | 1,754 |
| Core capital (leverage) ratio | 11.2152% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5704% | 962 |
| Memoranda: | ||
| Average total assets | $231,514,250 | 2,693 |
| Average earning assets | $223,589,500 | 2,626 |
| Average equity | $28,198,750 | 2,582 |
| Average total loans | $155,668,500 | 2,614 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,838 |
| Cost of funding earning assets | 0.9572% | 1,121 |
| Net interest margin | 3.5696% | 2,581 |
| Noninterest income to average assets | 1.0148% | 954 |
| Noninterest expense to average assets | 2.5839% | 2,718 |
| Loan and lease loss provision to assets | 0.1594% | 2,407 |
| Net operating income to assets | 1.7055% | 614 |
| Return on assets (ROA) | 1.7267% | 646 |
| Pretax return on assets | 1.7303% | 931 |
| Return on Equity (ROE) | 14.0468% | 880 |
| Retained earnings to average equity (ytd only) | 8.0175% | 1,301 |
| Net charge-offs to loans | -0.0964% | 4,835 |
| Credit loss provision to net charge-offs | -243.2432% | 3,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0350% | 3,679 |
| Assets per employee ($millions) | 5.2162% | 2,912 |
| Cash dividends to net income (ytd only)* | 42.9231% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,738 |
| Loan loss allowance to noncurrent loans | 129.6296% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 1,789 |
| Noncurrent loans to loans | 1.0465% | 1,493 |
| Net loans and leases to total assets | 64.6986% | 2,795 |
| Net loans and leases to deposits | 73.8164% | 3,094 |
| Net loans and leases to core deposits | 79.3467% | 2,996 |
| Total domestic deposits to total assets | 87.6480% | 1,351 |
| Equity capital to assets | 11.9457% | 1,700 |
| Core capital (leverage) ratio | 11.4916% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5058% | 978 |
| Memoranda: | ||
| Average total assets | $225,858,000 | 2,714 |
| Average earning assets | $217,504,333 | 2,650 |
| Average equity | $27,764,333 | 2,599 |
| Average total loans | $153,565,667 | 2,626 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 1,732 |
| Cost of funding earning assets | 1.0152% | 1,359 |
| Net interest margin | 3.6776% | 2,405 |
| Noninterest income to average assets | 0.7641% | 1,420 |
| Noninterest expense to average assets | 2.5775% | 3,053 |
| Loan and lease loss provision to assets | 0.1645% | 1,770 |
| Net operating income to assets | 1.5648% | 672 |
| Return on assets (ROA) | 1.6087% | 680 |
| Pretax return on assets | 1.6087% | 1,028 |
| Return on Equity (ROE) | 12.8867% | 902 |
| Retained earnings to average equity (ytd only) | 12.8867% | 333 |
| Net charge-offs to loans | -0.0026% | 3,704 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8472% | 3,757 |
| Assets per employee ($millions) | 5.2305% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 2,150 |
| Loan loss allowance to noncurrent loans | 152.7498% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 2,241 |
| Noncurrent loans to loans | 0.8516% | 1,916 |
| Net loans and leases to total assets | 68.1081% | 2,519 |
| Net loans and leases to deposits | 78.3874% | 2,846 |
| Net loans and leases to core deposits | 84.9261% | 2,769 |
| Total domestic deposits to total assets | 86.8866% | 1,607 |
| Equity capital to assets | 12.7133% | 1,612 |
| Core capital (leverage) ratio | 12.2445% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9538% | 990 |
| Memoranda: | ||
| Average total assets | $218,814,500 | 2,724 |
| Average earning assets | $210,792,500 | 2,658 |
| Average equity | $27,315,000 | 2,620 |
| Average total loans | $151,660,500 | 2,623 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 2,081 |
| Cost of funding earning assets | 1.0274% | 1,611 |
| Net interest margin | 3.7598% | 2,640 |
| Noninterest income to average assets | 0.8495% | 1,299 |
| Noninterest expense to average assets | 2.7209% | 2,829 |
| Loan and lease loss provision to assets | 0.1711% | 1,221 |
| Net operating income to assets | 1.5877% | 861 |
| Return on assets (ROA) | 1.5967% | 895 |
| Pretax return on assets | 1.5986% | 1,489 |
| Return on Equity (ROE) | 12.8947% | 1,201 |
| Retained earnings to average equity (ytd only) | 2.4876% | 3,789 |
| Net charge-offs to loans | 0.0202% | 3,018 |
| Credit loss provision to net charge-offs | 1,241.3793% | 277 |
| Earnings coverage of net charge-offs (x) | 127.7241% | 560 |
| Efficiency ratio | 60.7128% | 3,583 |
| Assets per employee ($millions) | 5.3158% | 2,227 |
| Cash dividends to net income (ytd only)* | 80.7085% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,233 |
| Loan loss allowance to noncurrent loans | 104.5000% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 1,559 |
| Noncurrent loans to loans | 1.1863% | 1,277 |
| Net loans and leases to total assets | 68.7537% | 2,574 |
| Net loans and leases to deposits | 80.7003% | 2,696 |
| Net loans and leases to core deposits | 85.6165% | 2,814 |
| Total domestic deposits to total assets | 85.1963% | 2,422 |
| Equity capital to assets | 12.2512% | 1,977 |
| Core capital (leverage) ratio | 11.8977% | 1,843 |
| Tier 1 risk-based capital ratio | 16.9405% | 2,066 |
| Total risk-based capital ratio | 18.1854% | 2,019 |
| Memoranda: | ||
| Average total assets | $210,369,200 | 2,753 |
| Average earning assets | $203,227,000 | 2,677 |
| Average equity | $26,049,400 | 2,628 |
| Average total loans | $143,829,200 | 2,679 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 2,213 |
| Cost of funding earning assets | 1.0163% | 1,698 |
| Net interest margin | 3.7544% | 2,735 |
| Noninterest income to average assets | 0.7745% | 1,505 |
| Noninterest expense to average assets | 2.6548% | 3,000 |
| Loan and lease loss provision to assets | 0.1727% | 1,067 |
| Net operating income to assets | 1.5758% | 982 |
| Return on assets (ROA) | 1.5886% | 1,005 |
| Pretax return on assets | 1.5912% | 1,665 |
| Return on Equity (ROE) | 12.7940% | 1,355 |
| Retained earnings to average equity (ytd only) | 0.9323% | 4,585 |
| Net charge-offs to loans | 0.0066% | 3,142 |
| Credit loss provision to net charge-offs | 3,857.1429% | 109 |
| Earnings coverage of net charge-offs (x) | 391.2733% | 254 |
| Efficiency ratio | 60.2555% | 3,591 |
| Assets per employee ($millions) | 5.2168% | 2,322 |
| Cash dividends to net income (ytd only)* | 92.7133% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,412 |
| Loan loss allowance to noncurrent loans | 223.8272% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 2,909 |
| Noncurrent loans to loans | 0.5447% | 2,662 |
| Net loans and leases to total assets | 68.6805% | 2,677 |
| Net loans and leases to deposits | 79.0903% | 3,001 |
| Net loans and leases to core deposits | 84.8500% | 3,010 |
| Total domestic deposits to total assets | 86.8380% | 1,599 |
| Equity capital to assets | 12.2984% | 2,041 |
| Core capital (leverage) ratio | 11.8381% | 1,970 |
| Tier 1 risk-based capital ratio | 16.9777% | 2,091 |
| Total risk-based capital ratio | 18.2025% | 2,045 |
| Memoranda: | ||
| Average total assets | $208,475,000 | 2,791 |
| Average earning assets | $201,644,000 | 2,715 |
| Average equity | $25,886,500 | 2,650 |
| Average total loans | $141,854,750 | 2,731 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 2,312 |
| Cost of funding earning assets | 1.0185% | 1,609 |
| Net interest margin | 3.6977% | 2,935 |
| Noninterest income to average assets | 0.6426% | 1,961 |
| Noninterest expense to average assets | 2.5761% | 3,261 |
| Loan and lease loss provision to assets | 0.1742% | 1,037 |
| Net operating income to assets | 1.4651% | 1,246 |
| Return on assets (ROA) | 1.4767% | 1,262 |
| Pretax return on assets | 1.4806% | 1,917 |
| Return on Equity (ROE) | 11.8538% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.9290% | 1,841 |
| Net charge-offs to loans | 0.0115% | 2,725 |
| Credit loss provision to net charge-offs | 2,250.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 212.2500% | 377 |
| Efficiency ratio | 61.0550% | 3,574 |
| Assets per employee ($millions) | 4.8714% | 2,632 |
| Cash dividends to net income (ytd only)* | 41.5465% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 2,555 |
| Loan loss allowance to noncurrent loans | 225.0980% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 2,949 |
| Noncurrent loans to loans | 0.5307% | 2,683 |
| Net loans and leases to total assets | 67.9989% | 2,813 |
| Net loans and leases to deposits | 78.4821% | 3,114 |
| Net loans and leases to core deposits | 83.6228% | 3,142 |
| Total domestic deposits to total assets | 86.6425% | 1,750 |
| Equity capital to assets | 12.7793% | 1,700 |
| Core capital (leverage) ratio | 12.4995% | 1,539 |
| Tier 1 risk-based capital ratio | 17.8664% | 1,840 |
| Total risk-based capital ratio | 19.0570% | 1,806 |
| Memoranda: | ||
| Average total assets | $206,670,330 | 2,816 |
| Average earning assets | $199,910,670 | 2,743 |
| Average equity | $25,747,000 | 2,655 |
| Average total loans | $139,568,670 | 2,772 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 2,323 |
| Cost of funding earning assets | 0.9947% | 1,586 |
| Net interest margin | 3.6729% | 2,995 |
| Noninterest income to average assets | 0.5826% | 2,128 |
| Noninterest expense to average assets | 2.4982% | 3,513 |
| Loan and lease loss provision to assets | 0.1754% | 955 |
| Net operating income to assets | 1.4557% | 1,215 |
| Return on assets (ROA) | 1.4576% | 1,238 |
| Pretax return on assets | 1.4654% | 1,877 |
| Return on Equity (ROE) | 11.8561% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.8561% | 637 |
| Net charge-offs to loans | 0.0233% | 1,979 |
| Credit loss provision to net charge-offs | 1,125.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 105.1250% | 647 |
| Efficiency ratio | 60.3862% | 3,756 |
| Assets per employee ($millions) | 5.1297% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,621 |
| Loan loss allowance to noncurrent loans | 164.1851% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 2,596 |
| Noncurrent loans to loans | 0.7262% | 2,206 |
| Net loans and leases to total assets | 65.9114% | 3,066 |
| Net loans and leases to deposits | 75.8135% | 3,275 |
| Net loans and leases to core deposits | 80.4080% | 3,326 |
| Total domestic deposits to total assets | 86.9389% | 1,846 |
| Equity capital to assets | 12.6673% | 1,645 |
| Core capital (leverage) ratio | 12.5928% | 1,460 |
| Tier 1 risk-based capital ratio | 18.3897% | 1,692 |
| Total risk-based capital ratio | 19.5576% | 1,663 |
| Memoranda: | ||
| Average total assets | $205,270,000 | 2,850 |
| Average earning assets | $198,645,000 | 2,779 |
| Average equity | $25,236,000 | 2,691 |
| Average total loans | $137,273,000 | 2,825 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 2,066 |
| Cost of funding earning assets | 0.8601% | 1,263 |
| Net interest margin | 3.7650% | 2,804 |
| Noninterest income to average assets | 0.6601% | 2,013 |
| Noninterest expense to average assets | 2.6012% | 3,329 |
| Loan and lease loss provision to assets | 0.1261% | 1,739 |
| Net operating income to assets | 1.5466% | 1,001 |
| Return on assets (ROA) | 1.5555% | 971 |
| Pretax return on assets | 1.5584% | 1,595 |
| Return on Equity (ROE) | 13.0384% | 1,335 |
| Retained earnings to average equity (ytd only) | 2.4618% | 4,157 |
| Net charge-offs to loans | 0.1786% | 1,076 |
| Credit loss provision to net charge-offs | 105.3719% | 2,418 |
| Earnings coverage of net charge-offs (x) | 14.0041% | 2,406 |
| Efficiency ratio | 60.8208% | 3,722 |
| Assets per employee ($millions) | 5.2654% | 2,186 |
| Cash dividends to net income (ytd only)* | 81.1189% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 2,946 |
| Loan loss allowance to noncurrent loans | 191.8317% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 2,891 |
| Noncurrent loans to loans | 0.5869% | 2,531 |
| Net loans and leases to total assets | 66.2870% | 3,091 |
| Net loans and leases to deposits | 75.5380% | 3,385 |
| Net loans and leases to core deposits | 80.0641% | 3,426 |
| Total domestic deposits to total assets | 87.7532% | 1,414 |
| Equity capital to assets | 11.9211% | 1,957 |
| Core capital (leverage) ratio | 12.2485% | 1,589 |
| Tier 1 risk-based capital ratio | 17.7144% | 1,844 |
| Total risk-based capital ratio | 18.8149% | 1,841 |
| Memoranda: | ||
| Average total assets | $202,253,400 | 2,843 |
| Average earning assets | $194,290,000 | 2,774 |
| Average equity | $24,128,800 | 2,714 |
| Average total loans | $135,499,000 | 2,821 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 2,005 |
| Cost of funding earning assets | 0.8283% | 1,200 |
| Net interest margin | 3.7620% | 2,783 |
| Noninterest income to average assets | 0.6935% | 1,891 |
| Noninterest expense to average assets | 2.5855% | 3,327 |
| Loan and lease loss provision to assets | 0.1654% | 1,141 |
| Net operating income to assets | 1.5452% | 1,076 |
| Return on assets (ROA) | 1.5571% | 1,055 |
| Pretax return on assets | 1.5611% | 1,701 |
| Return on Equity (ROE) | 13.0496% | 1,413 |
| Retained earnings to average equity (ytd only) | 0.6544% | 4,920 |
| Net charge-offs to loans | 0.0612% | 1,944 |
| Credit loss provision to net charge-offs | 403.2258% | 817 |
| Earnings coverage of net charge-offs (x) | 41.7926% | 1,319 |
| Efficiency ratio | 60.1262% | 3,800 |
| Assets per employee ($millions) | 5.1334% | 2,297 |
| Cash dividends to net income (ytd only)* | 94.9854% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,317 |
| Loan loss allowance to noncurrent loans | 126.9316% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 1,969 |
| Noncurrent loans to loans | 0.9914% | 1,716 |
| Net loans and leases to total assets | 67.6084% | 2,997 |
| Net loans and leases to deposits | 76.9827% | 3,328 |
| Net loans and leases to core deposits | 81.4958% | 3,364 |
| Total domestic deposits to total assets | 87.8229% | 1,326 |
| Equity capital to assets | 11.7361% | 2,080 |
| Core capital (leverage) ratio | 12.1125% | 1,716 |
| Tier 1 risk-based capital ratio | 16.7389% | 2,189 |
| Total risk-based capital ratio | 17.9187% | 2,161 |
| Memoranda: | ||
| Average total assets | $201,479,000 | 2,871 |
| Average earning assets | $193,153,250 | 2,806 |
| Average equity | $24,041,000 | 2,734 |
| Average total loans | $134,956,000 | 2,843 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 2,064 |
| Cost of funding earning assets | 0.7895% | 1,176 |
| Net interest margin | 3.7209% | 2,855 |
| Noninterest income to average assets | 0.6875% | 1,921 |
| Noninterest expense to average assets | 2.5359% | 3,531 |
| Loan and lease loss provision to assets | 0.1783% | 1,014 |
| Net operating income to assets | 1.5294% | 1,077 |
| Return on assets (ROA) | 1.5374% | 1,063 |
| Pretax return on assets | 1.5433% | 1,675 |
| Return on Equity (ROE) | 12.8144% | 1,437 |
| Retained earnings to average equity (ytd only) | -3.1210% | 5,218 |
| Net charge-offs to loans | 0.0581% | 1,773 |
| Credit loss provision to net charge-offs | 461.5385% | 740 |
| Earnings coverage of net charge-offs (x) | 44.3590% | 1,217 |
| Efficiency ratio | 59.6737% | 3,978 |
| Assets per employee ($millions) | 5.2400% | 2,157 |
| Cash dividends to net income (ytd only)* | 124.3557% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,605 |
| Loan loss allowance to noncurrent loans | 62.4024% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 993 |
| Noncurrent loans to loans | 1.9547% | 777 |
| Net loans and leases to total assets | 66.4926% | 3,070 |
| Net loans and leases to deposits | 75.4154% | 3,399 |
| Net loans and leases to core deposits | 80.4291% | 3,380 |
| Total domestic deposits to total assets | 88.1685% | 1,294 |
| Equity capital to assets | 11.4547% | 2,233 |
| Core capital (leverage) ratio | 11.8334% | 1,817 |
| Tier 1 risk-based capital ratio | 16.7642% | 2,174 |
| Total risk-based capital ratio | 17.9374% | 2,149 |
| Memoranda: | ||
| Average total assets | $201,904,330 | 2,883 |
| Average earning assets | $193,284,330 | 2,819 |
| Average equity | $24,222,670 | 2,733 |
| Average total loans | $134,248,330 | 2,863 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 2,041 |
| Cost of funding earning assets | 0.7194% | 1,344 |
| Net interest margin | 3.7239% | 2,711 |
| Noninterest income to average assets | 0.6079% | 2,219 |
| Noninterest expense to average assets | 2.6191% | 3,278 |
| Loan and lease loss provision to assets | 0.1794% | 962 |
| Net operating income to assets | 1.3675% | 1,430 |
| Return on assets (ROA) | 1.3833% | 1,403 |
| Pretax return on assets | 1.3953% | 2,023 |
| Return on Equity (ROE) | 11.2710% | 1,865 |
| Retained earnings to average equity (ytd only) | 11.2710% | 832 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6908% | 3,676 |
| Assets per employee ($millions) | 4.9217% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,702 |
| Loan loss allowance to noncurrent loans | 100.9305% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 1,824 |
| Noncurrent loans to loans | 1.2067% | 1,505 |
| Net loans and leases to total assets | 65.3924% | 3,128 |
| Net loans and leases to deposits | 74.7097% | 3,341 |
| Net loans and leases to core deposits | 79.9002% | 3,333 |
| Total domestic deposits to total assets | 87.5287% | 1,885 |
| Equity capital to assets | 12.1705% | 1,677 |
| Core capital (leverage) ratio | 12.4379% | 1,419 |
| Tier 1 risk-based capital ratio | 18.0375% | 1,829 |
| Total risk-based capital ratio | 19.2091% | 1,795 |
| Memoranda: | ||
| Average total assets | $200,676,000 | 2,925 |
| Average earning assets | $192,378,000 | 2,858 |
| Average equity | $24,629,500 | 2,711 |
| Average total loans | $132,591,000 | 2,907 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6398% | 1,337 |
| Cost of funding earning assets | 0.6853% | 1,107 |
| Net interest margin | 3.9545% | 1,903 |
| Noninterest income to average assets | 0.7600% | 1,733 |
| Noninterest expense to average assets | 2.8381% | 2,653 |
| Loan and lease loss provision to assets | 0.2063% | 988 |
| Net operating income to assets | 1.4607% | 880 |
| Return on assets (ROA) | 1.5175% | 782 |
| Pretax return on assets | 1.5183% | 1,564 |
| Return on Equity (ROE) | 12.4439% | 1,093 |
| Retained earnings to average equity (ytd only) | 7.4100% | 950 |
| Net charge-offs to loans | 0.1633% | 1,499 |
| Credit loss provision to net charge-offs | 179.1045% | 1,512 |
| Earnings coverage of net charge-offs (x) | 14.4776% | 2,326 |
| Efficiency ratio | 62.9842% | 3,779 |
| Assets per employee ($millions) | 4.9559% | 2,533 |
| Cash dividends to net income (ytd only)* | 40.4533% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,554 |
| Loan loss allowance to noncurrent loans | 81.3546% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.6319% | 807 |
| Noncurrent loans to loans | 1.5204% | 1,112 |
| Net loans and leases to total assets | 71.7610% | 2,271 |
| Net loans and leases to deposits | 82.1083% | 2,708 |
| Net loans and leases to core deposits | 88.2705% | 2,699 |
| Total domestic deposits to total assets | 87.3981% | 1,817 |
| Equity capital to assets | 12.2488% | 1,672 |
| Core capital (leverage) ratio | 12.0418% | 1,583 |
| Tier 1 risk-based capital ratio | 20.7476% | 1,186 |
| Total risk-based capital ratio | 21.9997% | 1,159 |
| Memoranda: | ||
| Average total assets | $116,311,600 | 3,956 |
| Average earning assets | $110,177,000 | 3,910 |
| Average equity | $14,183,600 | 3,821 |
| Average total loans | $82,070,600 | 3,700 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 1,365 |
| Cost of funding earning assets | 0.6628% | 1,166 |
| Net interest margin | 3.9392% | 1,898 |
| Noninterest income to average assets | 0.7390% | 1,837 |
| Noninterest expense to average assets | 2.8245% | 2,646 |
| Loan and lease loss provision to assets | 0.1729% | 1,164 |
| Net operating income to assets | 1.4676% | 963 |
| Return on assets (ROA) | 1.5091% | 904 |
| Pretax return on assets | 1.5102% | 1,740 |
| Return on Equity (ROE) | 12.3891% | 1,219 |
| Retained earnings to average equity (ytd only) | 8.7642% | 925 |
| Net charge-offs to loans | 0.1202% | 1,590 |
| Credit loss provision to net charge-offs | 205.4795% | 1,322 |
| Earnings coverage of net charge-offs (x) | 19.5070% | 1,998 |
| Efficiency ratio | 63.2421% | 3,674 |
| Assets per employee ($millions) | 4.9319% | 2,533 |
| Cash dividends to net income (ytd only)* | 29.2587% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,884 |
| Loan loss allowance to noncurrent loans | 86.5945% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 926 |
| Noncurrent loans to loans | 1.3957% | 1,340 |
| Net loans and leases to total assets | 71.8196% | 2,278 |
| Net loans and leases to deposits | 83.5356% | 2,611 |
| Net loans and leases to core deposits | 88.4222% | 2,730 |
| Total domestic deposits to total assets | 85.9749% | 2,325 |
| Equity capital to assets | 12.4039% | 1,716 |
| Core capital (leverage) ratio | 12.1711% | 1,584 |
| Tier 1 risk-based capital ratio | 17.1790% | 2,107 |
| Total risk-based capital ratio | 18.4278% | 2,059 |
| Memoranda: | ||
| Average total assets | $115,654,000 | 4,006 |
| Average earning assets | $109,427,750 | 3,966 |
| Average equity | $14,087,250 | 3,869 |
| Average total loans | $80,982,500 | 3,760 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 1,342 |
| Cost of funding earning assets | 0.6514% | 1,133 |
| Net interest margin | 3.9139% | 1,878 |
| Noninterest income to average assets | 0.7651% | 1,704 |
| Noninterest expense to average assets | 2.7747% | 2,845 |
| Loan and lease loss provision to assets | 0.1569% | 1,277 |
| Net operating income to assets | 1.5285% | 815 |
| Return on assets (ROA) | 1.5599% | 791 |
| Pretax return on assets | 1.5617% | 1,454 |
| Return on Equity (ROE) | 12.8879% | 1,067 |
| Retained earnings to average equity (ytd only) | 7.3727% | 1,414 |
| Net charge-offs to loans | 0.1791% | 1,104 |
| Credit loss provision to net charge-offs | 126.7606% | 1,712 |
| Earnings coverage of net charge-offs (x) | 13.6338% | 2,121 |
| Efficiency ratio | 62.1875% | 3,959 |
| Assets per employee ($millions) | 5.0592% | 2,321 |
| Cash dividends to net income (ytd only)* | 42.7933% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,991 |
| Loan loss allowance to noncurrent loans | 89.5169% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.6139% | 916 |
| Noncurrent loans to loans | 1.3442% | 1,436 |
| Net loans and leases to total assets | 69.2889% | 2,621 |
| Net loans and leases to deposits | 79.7078% | 2,945 |
| Net loans and leases to core deposits | 84.3951% | 3,027 |
| Total domestic deposits to total assets | 86.9287% | 1,979 |
| Equity capital to assets | 12.3167% | 1,720 |
| Core capital (leverage) ratio | 12.1917% | 1,539 |
| Tier 1 risk-based capital ratio | 17.4200% | 2,032 |
| Total risk-based capital ratio | 18.6513% | 1,998 |
| Memoranda: | ||
| Average total assets | $114,750,000 | 4,047 |
| Average earning assets | $108,382,000 | 4,010 |
| Average equity | $13,889,000 | 3,901 |
| Average total loans | $79,293,330 | 3,805 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 1,269 |
| Cost of funding earning assets | 0.6429% | 1,110 |
| Net interest margin | 3.9019% | 1,771 |
| Noninterest income to average assets | 0.7267% | 1,847 |
| Noninterest expense to average assets | 2.8330% | 2,677 |
| Loan and lease loss provision to assets | 0.1404% | 1,347 |
| Net operating income to assets | 1.4358% | 924 |
| Return on assets (ROA) | 1.4358% | 949 |
| Pretax return on assets | 1.4393% | 1,733 |
| Return on Equity (ROE) | 11.9700% | 1,248 |
| Retained earnings to average equity (ytd only) | 11.9700% | 473 |
| Net charge-offs to loans | -0.0051% | 4,191 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2005% | 3,801 |
| Assets per employee ($millions) | 4.9432% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,628 |
| Loan loss allowance to noncurrent loans | 63.1447% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.0854% | 625 |
| Noncurrent loans to loans | 2.0305% | 873 |
| Net loans and leases to total assets | 67.9913% | 2,683 |
| Net loans and leases to deposits | 77.8101% | 2,997 |
| Net loans and leases to core deposits | 82.4669% | 3,044 |
| Total domestic deposits to total assets | 87.3810% | 2,039 |
| Equity capital to assets | 12.2733% | 1,673 |
| Core capital (leverage) ratio | 12.0925% | 1,565 |
| Tier 1 risk-based capital ratio | 17.9708% | 1,888 |
| Total risk-based capital ratio | 19.2218% | 1,845 |
| Memoranda: | ||
| Average total assets | $113,944,000 | 4,094 |
| Average earning assets | $107,640,000 | 4,053 |
| Average equity | $13,667,500 | 3,969 |
| Average total loans | $78,136,000 | 3,861 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 1,656 |
| Cost of funding earning assets | 0.6482% | 1,069 |
| Net interest margin | 3.8113% | 2,275 |
| Noninterest income to average assets | 0.8093% | 1,717 |
| Noninterest expense to average assets | 2.7446% | 3,209 |
| Loan and lease loss provision to assets | 0.1218% | 2,026 |
| Net operating income to assets | 1.5638% | 737 |
| Return on assets (ROA) | 1.5947% | 711 |
| Pretax return on assets | 1.5956% | 1,301 |
| Return on Equity (ROE) | 13.0792% | 974 |
| Retained earnings to average equity (ytd only) | 3.7710% | 3,235 |
| Net charge-offs to loans | 0.3842% | 699 |
| Credit loss provision to net charge-offs | 46.4646% | 3,419 |
| Earnings coverage of net charge-offs (x) | 6.4343% | 3,172 |
| Efficiency ratio | 61.9399% | 4,263 |
| Assets per employee ($millions) | 4.5678% | 3,020 |
| Cash dividends to net income (ytd only)* | 71.1677% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,904 |
| Loan loss allowance to noncurrent loans | 57.8726% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.1411% | 617 |
| Noncurrent loans to loans | 2.1343% | 809 |
| Net loans and leases to total assets | 67.4317% | 2,865 |
| Net loans and leases to deposits | 76.6230% | 3,245 |
| Net loans and leases to core deposits | 81.1480% | 3,296 |
| Total domestic deposits to total assets | 88.0046% | 1,629 |
| Equity capital to assets | 11.7178% | 1,996 |
| Core capital (leverage) ratio | 11.5499% | 1,896 |
| Tier 1 risk-based capital ratio | 17.1888% | 2,092 |
| Total risk-based capital ratio | 18.4259% | 2,061 |
| Memoranda: | ||
| Average total assets | $113,311,400 | 4,105 |
| Average earning assets | $107,678,600 | 4,049 |
| Average equity | $13,815,800 | 3,963 |
| Average total loans | $77,303,200 | 3,868 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 1,798 |
| Cost of funding earning assets | 0.6448% | 1,081 |
| Net interest margin | 3.7749% | 2,431 |
| Noninterest income to average assets | 0.8158% | 1,695 |
| Noninterest expense to average assets | 2.7576% | 3,155 |
| Loan and lease loss provision to assets | 0.1273% | 1,839 |
| Net operating income to assets | 1.5256% | 836 |
| Return on assets (ROA) | 1.5562% | 830 |
| Pretax return on assets | 1.5574% | 1,511 |
| Return on Equity (ROE) | 12.6393% | 1,138 |
| Retained earnings to average equity (ytd only) | 4.6248% | 3,069 |
| Net charge-offs to loans | 0.0570% | 2,545 |
| Credit loss provision to net charge-offs | 327.2727% | 972 |
| Earnings coverage of net charge-offs (x) | 42.5141% | 1,188 |
| Efficiency ratio | 62.5067% | 4,140 |
| Assets per employee ($millions) | 5.0246% | 2,345 |
| Cash dividends to net income (ytd only)* | 63.4088% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 1,771 |
| Loan loss allowance to noncurrent loans | 52.0888% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.2230% | 654 |
| Noncurrent loans to loans | 2.8772% | 549 |
| Net loans and leases to total assets | 68.0763% | 2,791 |
| Net loans and leases to deposits | 80.0670% | 2,954 |
| Net loans and leases to core deposits | 85.1320% | 3,029 |
| Total domestic deposits to total assets | 85.0241% | 2,794 |
| Equity capital to assets | 12.2389% | 1,948 |
| Core capital (leverage) ratio | 11.5752% | 1,972 |
| Tier 1 risk-based capital ratio | 17.2039% | 2,166 |
| Total risk-based capital ratio | 18.4572% | 2,120 |
| Memoranda: | ||
| Average total assets | $113,090,750 | 4,142 |
| Average earning assets | $107,726,500 | 4,072 |
| Average equity | $13,924,500 | 3,983 |
| Average total loans | $77,137,500 | 3,901 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 1,826 |
| Cost of funding earning assets | 0.6441% | 1,079 |
| Net interest margin | 3.7558% | 2,496 |
| Noninterest income to average assets | 0.7999% | 1,716 |
| Noninterest expense to average assets | 2.6954% | 3,413 |
| Loan and lease loss provision to assets | 0.1390% | 1,632 |
| Net operating income to assets | 1.5374% | 835 |
| Return on assets (ROA) | 1.5374% | 878 |
| Pretax return on assets | 1.5392% | 1,559 |
| Return on Equity (ROE) | 12.4609% | 1,166 |
| Retained earnings to average equity (ytd only) | 7.0896% | 1,559 |
| Net charge-offs to loans | 0.0236% | 3,015 |
| Credit loss provision to net charge-offs | 866.6667% | 416 |
| Earnings coverage of net charge-offs (x) | 104.6667% | 550 |
| Efficiency ratio | 61.6293% | 4,403 |
| Assets per employee ($millions) | 4.7760% | 2,598 |
| Cash dividends to net income (ytd only)* | 43.1054% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 1,680 |
| Loan loss allowance to noncurrent loans | 49.9581% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.3991% | 599 |
| Noncurrent loans to loans | 3.0996% | 470 |
| Net loans and leases to total assets | 66.0603% | 3,073 |
| Net loans and leases to deposits | 77.1247% | 3,249 |
| Net loans and leases to core deposits | 82.0024% | 3,270 |
| Total domestic deposits to total assets | 85.6540% | 2,583 |
| Equity capital to assets | 12.4529% | 1,807 |
| Core capital (leverage) ratio | 11.8544% | 1,725 |
| Tier 1 risk-based capital ratio | 17.5424% | 2,057 |
| Total risk-based capital ratio | 18.7959% | 2,021 |
| Memoranda: | ||
| Average total assets | $112,265,670 | 4,183 |
| Average earning assets | $106,822,000 | 4,119 |
| Average equity | $13,851,330 | 4,009 |
| Average total loans | $76,226,670 | 3,945 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 1,712 |
| Cost of funding earning assets | 0.6462% | 1,078 |
| Net interest margin | 3.7826% | 2,360 |
| Noninterest income to average assets | 0.7346% | 1,884 |
| Noninterest expense to average assets | 2.6574% | 3,550 |
| Loan and lease loss provision to assets | 0.2088% | 933 |
| Net operating income to assets | 1.4691% | 907 |
| Return on assets (ROA) | 1.4691% | 950 |
| Pretax return on assets | 1.4727% | 1,678 |
| Return on Equity (ROE) | 11.9648% | 1,324 |
| Retained earnings to average equity (ytd only) | 11.9648% | 512 |
| Net charge-offs to loans | 0.0264% | 2,412 |
| Credit loss provision to net charge-offs | 1,160.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 562 |
| Efficiency ratio | 61.2448% | 4,561 |
| Assets per employee ($millions) | 4.6516% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 1,832 |
| Loan loss allowance to noncurrent loans | 51.6711% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.3737% | 652 |
| Noncurrent loans to loans | 2.9787% | 556 |
| Net loans and leases to total assets | 67.3301% | 2,757 |
| Net loans and leases to deposits | 77.2256% | 3,086 |
| Net loans and leases to core deposits | 81.9239% | 3,133 |
| Total domestic deposits to total assets | 87.1863% | 2,109 |
| Equity capital to assets | 12.4474% | 1,715 |
| Core capital (leverage) ratio | 11.9643% | 1,633 |
| Tier 1 risk-based capital ratio | 17.7708% | 2,048 |
| Total risk-based capital ratio | 19.0244% | 2,011 |
| Memoranda: | ||
| Average total assets | $111,086,500 | 4,244 |
| Average earning assets | $105,852,500 | 4,161 |
| Average equity | $13,640,000 | 4,054 |
| Average total loans | $75,884,000 | 3,972 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 1,277 |
| Cost of funding earning assets | 0.6369% | 1,141 |
| Net interest margin | 3.9863% | 1,763 |
| Noninterest income to average assets | 0.7956% | 1,802 |
| Noninterest expense to average assets | 2.9171% | 2,797 |
| Loan and lease loss provision to assets | 0.3574% | 405 |
| Net operating income to assets | 1.2931% | 1,284 |
| Return on assets (ROA) | 1.4304% | 1,017 |
| Pretax return on assets | 1.4313% | 1,784 |
| Return on Equity (ROE) | 11.4632% | 1,450 |
| Retained earnings to average equity (ytd only) | 3.0222% | 3,902 |
| Net charge-offs to loans | 0.4106% | 695 |
| Credit loss provision to net charge-offs | 127.0903% | 2,047 |
| Earnings coverage of net charge-offs (x) | 5.8729% | 3,313 |
| Efficiency ratio | 63.8534% | 4,301 |
| Assets per employee ($millions) | 4.6056% | 2,873 |
| Cash dividends to net income (ytd only)* | 73.6358% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 2,068 |
| Loan loss allowance to noncurrent loans | 71.6475% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 1,085 |
| Noncurrent loans to loans | 2.0762% | 990 |
| Net loans and leases to total assets | 67.2231% | 2,833 |
| Net loans and leases to deposits | 76.6458% | 3,187 |
| Net loans and leases to core deposits | 82.0053% | 3,146 |
| Total domestic deposits to total assets | 87.7062% | 1,789 |
| Equity capital to assets | 12.1084% | 1,876 |
| Core capital (leverage) ratio | 11.7227% | 1,802 |
| Tier 1 risk-based capital ratio | 18.2725% | 1,892 |
| Total risk-based capital ratio | 19.5271% | 1,849 |
| Memoranda: | ||
| Average total assets | $106,337,000 | 4,325 |
| Average earning assets | $100,645,400 | 4,272 |
| Average equity | $13,268,600 | 4,083 |
| Average total loans | $72,821,800 | 4,023 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 1,144 |
| Cost of funding earning assets | 0.6329% | 1,191 |
| Net interest margin | 4.0427% | 1,576 |
| Noninterest income to average assets | 0.7585% | 1,988 |
| Noninterest expense to average assets | 2.9886% | 2,560 |
| Loan and lease loss provision to assets | 0.0760% | 2,664 |
| Net operating income to assets | 1.5107% | 906 |
| Return on assets (ROA) | 1.5931% | 815 |
| Pretax return on assets | 1.5943% | 1,398 |
| Return on Equity (ROE) | 12.6686% | 1,201 |
| Retained earnings to average equity (ytd only) | 1.3898% | 5,166 |
| Net charge-offs to loans | 0.0111% | 3,788 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 208.9950% | 350 |
| Efficiency ratio | 65.3016% | 4,011 |
| Assets per employee ($millions) | 4.6480% | 2,772 |
| Cash dividends to net income (ytd only)* | 89.0305% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 2,373 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.4443% | 1,571 |
| Noncurrent loans to loans | 1.5454% | 1,617 |
| Net loans and leases to total assets | 69.6725% | 2,439 |
| Net loans and leases to deposits | 79.8307% | 2,903 |
| Net loans and leases to core deposits | 84.5666% | 2,979 |
| Total domestic deposits to total assets | 87.2754% | 1,905 |
| Equity capital to assets | 12.3205% | 1,862 |
| Core capital (leverage) ratio | 11.7640% | 1,846 |
| Tier 1 risk-based capital ratio | 17.0430% | 2,362 |
| Total risk-based capital ratio | 18.2958% | 2,307 |
| Memoranda: | ||
| Average total assets | $105,287,500 | 4,398 |
| Average earning assets | $99,437,000 | 4,347 |
| Average equity | $13,239,750 | 4,133 |
| Average total loans | $72,170,500 | 4,076 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,192 |
| Cost of funding earning assets | 0.6279% | 1,242 |
| Net interest margin | 4.0107% | 1,612 |
| Noninterest income to average assets | 0.7542% | 1,977 |
| Noninterest expense to average assets | 2.9824% | 2,607 |
| Loan and lease loss provision to assets | 0.0573% | 2,952 |
| Net operating income to assets | 1.4931% | 904 |
| Return on assets (ROA) | 1.4874% | 966 |
| Pretax return on assets | 1.4893% | 1,678 |
| Return on Equity (ROE) | 11.7473% | 1,455 |
| Retained earnings to average equity (ytd only) | 1.8699% | 4,759 |
| Net charge-offs to loans | 0.0084% | 3,605 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 255 |
| Efficiency ratio | 65.7684% | 4,055 |
| Assets per employee ($millions) | 4.4280% | 3,099 |
| Cash dividends to net income (ytd only)* | 84.0822% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 2,468 |
| Loan loss allowance to noncurrent loans | 90.4318% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.4971% | 1,648 |
| Noncurrent loans to loans | 1.6134% | 1,626 |
| Net loans and leases to total assets | 67.8746% | 2,663 |
| Net loans and leases to deposits | 79.1084% | 2,895 |
| Net loans and leases to core deposits | 83.9103% | 2,990 |
| Total domestic deposits to total assets | 85.7995% | 2,797 |
| Equity capital to assets | 12.2686% | 1,831 |
| Core capital (leverage) ratio | 11.8803% | 1,724 |
| Tier 1 risk-based capital ratio | 17.4888% | 2,225 |
| Total risk-based capital ratio | 18.7411% | 2,180 |
| Memoranda: | ||
| Average total assets | $104,749,000 | 4,448 |
| Average earning assets | $98,736,330 | 4,404 |
| Average equity | $13,262,670 | 4,154 |
| Average total loans | $71,035,000 | 4,135 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 1,217 |
| Cost of funding earning assets | 0.6168% | 1,327 |
| Net interest margin | 3.9826% | 1,616 |
| Noninterest income to average assets | 0.7039% | 2,149 |
| Noninterest expense to average assets | 3.0388% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4117% | 1,012 |
| Return on assets (ROA) | 1.4117% | 1,067 |
| Pretax return on assets | 1.4155% | 1,833 |
| Return on Equity (ROE) | 10.9757% | 1,645 |
| Retained earnings to average equity (ytd only) | 10.9757% | 726 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2211% | 3,790 |
| Assets per employee ($millions) | 4.5133% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 2,515 |
| Loan loss allowance to noncurrent loans | 70.5763% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.9700% | 1,216 |
| Noncurrent loans to loans | 2.1020% | 1,226 |
| Net loans and leases to total assets | 66.5951% | 2,672 |
| Net loans and leases to deposits | 76.8655% | 2,951 |
| Net loans and leases to core deposits | 81.5961% | 2,995 |
| Total domestic deposits to total assets | 86.6384% | 2,582 |
| Equity capital to assets | 13.1092% | 1,342 |
| Core capital (leverage) ratio | 12.2705% | 1,474 |
| Tier 1 risk-based capital ratio | 18.4157% | 2,027 |
| Total risk-based capital ratio | 19.6678% | 1,976 |
| Memoranda: | ||
| Average total assets | $103,988,000 | 4,501 |
| Average earning assets | $97,926,500 | 4,463 |
| Average equity | $13,375,000 | 4,174 |
| Average total loans | $69,953,000 | 4,180 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 1,289 |
| Cost of funding earning assets | 0.6323% | 1,536 |
| Net interest margin | 4.0744% | 1,665 |
| Noninterest income to average assets | 0.6919% | 2,337 |
| Noninterest expense to average assets | 2.8004% | 3,482 |
| Loan and lease loss provision to assets | 0.1544% | 1,699 |
| Net operating income to assets | 1.5604% | 779 |
| Return on assets (ROA) | 1.6463% | 667 |
| Pretax return on assets | 1.6473% | 1,100 |
| Return on Equity (ROE) | 13.5043% | 1,038 |
| Retained earnings to average equity (ytd only) | 7.8999% | 1,053 |
| Net charge-offs to loans | 0.0295% | 4,233 |
| Credit loss provision to net charge-offs | 800.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 88.9000% | 577 |
| Efficiency ratio | 62.0085% | 4,915 |
| Assets per employee ($millions) | 4.3405% | 3,285 |
| Cash dividends to net income (ytd only)* | 41.5006% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 2,517 |
| Loan loss allowance to noncurrent loans | 73.4133% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.9276% | 1,334 |
| Noncurrent loans to loans | 2.0334% | 1,359 |
| Net loans and leases to total assets | 65.9445% | 2,894 |
| Net loans and leases to deposits | 75.6145% | 3,242 |
| Net loans and leases to core deposits | 79.7481% | 3,322 |
| Total domestic deposits to total assets | 87.2114% | 2,163 |
| Equity capital to assets | 12.6158% | 1,580 |
| Core capital (leverage) ratio | 11.9758% | 1,637 |
| Tier 1 risk-based capital ratio | 15.2275% | 3,360 |
| Total risk-based capital ratio | 16.4778% | 3,310 |
| Memoranda: | ||
| Average total assets | $103,626,400 | 4,510 |
| Average earning assets | $97,265,600 | 4,472 |
| Average equity | $12,633,000 | 4,257 |
| Average total loans | $67,727,200 | 4,241 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 1,272 |
| Cost of funding earning assets | 0.6325% | 1,578 |
| Net interest margin | 4.0832% | 1,630 |
| Noninterest income to average assets | 0.6905% | 2,380 |
| Noninterest expense to average assets | 2.7557% | 3,619 |
| Loan and lease loss provision to assets | 0.0515% | 3,346 |
| Net operating income to assets | 1.7161% | 599 |
| Return on assets (ROA) | 1.8307% | 495 |
| Pretax return on assets | 1.8320% | 830 |
| Return on Equity (ROE) | 15.1500% | 795 |
| Retained earnings to average equity (ytd only) | 10.3523% | 622 |
| Net charge-offs to loans | 0.0516% | 3,473 |
| Credit loss provision to net charge-offs | 153.8462% | 1,548 |
| Earnings coverage of net charge-offs (x) | 52.8013% | 939 |
| Efficiency ratio | 60.9055% | 5,056 |
| Assets per employee ($millions) | 4.1075% | 3,655 |
| Cash dividends to net income (ytd only)* | 31.6681% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 3,483 |
| Loan loss allowance to noncurrent loans | 62.6712% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.0061% | 1,428 |
| Noncurrent loans to loans | 2.1284% | 1,460 |
| Net loans and leases to total assets | 65.9110% | 2,884 |
| Net loans and leases to deposits | 75.8818% | 3,194 |
| Net loans and leases to core deposits | 80.1170% | 3,299 |
| Total domestic deposits to total assets | 86.8601% | 2,394 |
| Equity capital to assets | 12.7183% | 1,571 |
| Core capital (leverage) ratio | 12.0115% | 1,696 |
| Tier 1 risk-based capital ratio | 15.4435% | 3,354 |
| Total risk-based capital ratio | 16.5801% | 3,341 |
| Memoranda: | ||
| Average total assets | $103,490,250 | 4,560 |
| Average earning assets | $97,176,500 | 4,519 |
| Average equity | $12,505,750 | 4,300 |
| Average total loans | $67,225,000 | 4,303 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 1,416 |
| Cost of funding earning assets | 0.6307% | 1,644 |
| Net interest margin | 4.0123% | 1,774 |
| Noninterest income to average assets | 0.7498% | 2,046 |
| Noninterest expense to average assets | 2.7641% | 3,644 |
| Loan and lease loss provision to assets | 0.0193% | 3,885 |
| Net operating income to assets | 1.7290% | 546 |
| Return on assets (ROA) | 1.8215% | 486 |
| Pretax return on assets | 1.8235% | 808 |
| Return on Equity (ROE) | 15.3397% | 744 |
| Retained earnings to average equity (ytd only) | 15.3397% | 198 |
| Net charge-offs to loans | -0.0030% | 5,095 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2297% | 5,112 |
| Assets per employee ($millions) | 4.5719% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 3,677 |
| Loan loss allowance to noncurrent loans | 103.5187% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 2,346 |
| Noncurrent loans to loans | 1.2879% | 2,653 |
| Net loans and leases to total assets | 64.1846% | 3,048 |
| Net loans and leases to deposits | 76.8317% | 2,949 |
| Net loans and leases to core deposits | 81.1895% | 3,078 |
| Total domestic deposits to total assets | 83.5392% | 4,094 |
| Equity capital to assets | 12.4038% | 1,704 |
| Core capital (leverage) ratio | 12.0119% | 1,642 |
| Tier 1 risk-based capital ratio | 15.4918% | 3,355 |
| Total risk-based capital ratio | 16.6307% | 3,364 |
| Memoranda: | ||
| Average total assets | $103,758,000 | 4,588 |
| Average earning assets | $97,349,670 | 4,546 |
| Average equity | $12,321,000 | 4,339 |
| Average total loans | $66,767,670 | 4,334 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 1,432 |
| Cost of funding earning assets | 0.6476% | 1,601 |
| Net interest margin | 3.9803% | 1,825 |
| Noninterest income to average assets | 0.8228% | 1,660 |
| Noninterest expense to average assets | 2.7790% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7854% | 495 |
| Return on assets (ROA) | 1.8824% | 429 |
| Pretax return on assets | 1.8863% | 669 |
| Return on Equity (ROE) | 16.2207% | 620 |
| Retained earnings to average equity (ytd only) | 16.2207% | 264 |
| Net charge-offs to loans | 0.0061% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 461.0000% | 89 |
| Efficiency ratio | 60.8326% | 5,286 |
| Assets per employee ($millions) | 4.6743% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 3,792 |
| Loan loss allowance to noncurrent loans | 94.9367% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.4917% | 2,363 |
| Noncurrent loans to loans | 1.4324% | 2,635 |
| Net loans and leases to total assets | 63.4819% | 2,984 |
| Net loans and leases to deposits | 73.0850% | 3,191 |
| Net loans and leases to core deposits | 77.1552% | 3,287 |
| Total domestic deposits to total assets | 86.8604% | 2,904 |
| Equity capital to assets | 11.9814% | 1,883 |
| Core capital (leverage) ratio | 11.6300% | 1,877 |
| Tier 1 risk-based capital ratio | 15.3315% | 3,531 |
| Total risk-based capital ratio | 16.4866% | 3,541 |
| Memoranda: | ||
| Average total assets | $103,060,500 | 4,649 |
| Average earning assets | $96,978,000 | 4,597 |
| Average equity | $11,960,000 | 4,427 |
| Average total loans | $65,949,500 | 4,391 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 1,636 |
| Cost of funding earning assets | 0.7434% | 1,543 |
| Net interest margin | 3.9319% | 2,170 |
| Noninterest income to average assets | 1.2823% | 839 |
| Noninterest expense to average assets | 2.9318% | 3,273 |
| Loan and lease loss provision to assets | 0.2946% | 1,151 |
| Net operating income to assets | 1.7428% | 535 |
| Return on assets (ROA) | 1.8184% | 476 |
| Pretax return on assets | 1.8184% | 725 |
| Return on Equity (ROE) | 15.6517% | 667 |
| Retained earnings to average equity (ytd only) | 4.3777% | 3,062 |
| Net charge-offs to loans | 0.3130% | 2,120 |
| Credit loss provision to net charge-offs | 144.2308% | 1,615 |
| Earnings coverage of net charge-offs (x) | 9.9760% | 2,443 |
| Efficiency ratio | 59.0002% | 5,607 |
| Assets per employee ($millions) | 4.4907% | 2,917 |
| Cash dividends to net income (ytd only)* | 72.0302% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 3,790 |
| Loan loss allowance to noncurrent loans | 93.6590% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.4987% | 2,472 |
| Noncurrent loans to loans | 1.4638% | 2,696 |
| Net loans and leases to total assets | 62.7543% | 3,241 |
| Net loans and leases to deposits | 70.8785% | 3,668 |
| Net loans and leases to core deposits | 74.7282% | 3,764 |
| Total domestic deposits to total assets | 88.5378% | 1,893 |
| Equity capital to assets | 11.2299% | 2,399 |
| Core capital (leverage) ratio | 11.1058% | 2,288 |
| Tier 1 risk-based capital ratio | 14.6844% | 3,848 |
| Total risk-based capital ratio | 15.8388% | 3,845 |
| Memoranda: | ||
| Average total assets | $101,850,000 | 4,697 |
| Average earning assets | $95,501,400 | 4,634 |
| Average equity | $11,832,600 | 4,480 |
| Average total loans | $66,460,800 | 4,397 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 1,563 |
| Cost of funding earning assets | 0.7560% | 1,561 |
| Net interest margin | 3.9567% | 2,088 |
| Noninterest income to average assets | 1.4569% | 693 |
| Noninterest expense to average assets | 2.9401% | 3,167 |
| Loan and lease loss provision to assets | 0.0920% | 3,235 |
| Net operating income to assets | 2.1308% | 290 |
| Return on assets (ROA) | 2.1939% | 274 |
| Pretax return on assets | 2.1939% | 394 |
| Return on Equity (ROE) | 18.7252% | 386 |
| Retained earnings to average equity (ytd only) | 3.7675% | 4,006 |
| Net charge-offs to loans | 0.0140% | 4,855 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 241.7942% | 245 |
| Efficiency ratio | 56.9466% | 5,808 |
| Assets per employee ($millions) | 4.7147% | 2,554 |
| Cash dividends to net income (ytd only)* | 79.8802% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,284 |
| Loan loss allowance to noncurrent loans | 545.0000% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 3,975 |
| Noncurrent loans to loans | 0.2425% | 5,626 |
| Net loans and leases to total assets | 62.7733% | 3,206 |
| Net loans and leases to deposits | 71.0090% | 3,642 |
| Net loans and leases to core deposits | 74.7226% | 3,764 |
| Total domestic deposits to total assets | 88.4019% | 1,892 |
| Equity capital to assets | 11.1411% | 2,627 |
| Core capital (leverage) ratio | 10.9735% | 2,510 |
| Tier 1 risk-based capital ratio | 14.6473% | 3,987 |
| Total risk-based capital ratio | 15.7797% | 4,010 |
| Memoranda: | ||
| Average total assets | $101,490,750 | 4,751 |
| Average earning assets | $95,059,750 | 4,689 |
| Average equity | $11,891,000 | 4,515 |
| Average total loans | $66,646,500 | 4,424 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 1,491 |
| Cost of funding earning assets | 0.7756% | 1,552 |
| Net interest margin | 3.9544% | 2,027 |
| Noninterest income to average assets | 1.7966% | 515 |
| Noninterest expense to average assets | 3.0115% | 2,964 |
| Loan and lease loss provision to assets | 0.0794% | 3,470 |
| Net operating income to assets | 2.4100% | 192 |
| Return on assets (ROA) | 2.5053% | 184 |
| Pretax return on assets | 2.5053% | 271 |
| Return on Equity (ROE) | 21.0287% | 248 |
| Retained earnings to average equity (ytd only) | 6.7652% | 1,997 |
| Net charge-offs to loans | -0.0239% | 6,030 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7456% | 6,080 |
| Assets per employee ($millions) | 4.1546% | 3,460 |
| Cash dividends to net income (ytd only)* | 67.8288% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,642 |
| Loan loss allowance to noncurrent loans | 273.8019% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1092% | 3,511 |
| Noncurrent loans to loans | 0.4641% | 5,099 |
| Net loans and leases to total assets | 66.7857% | 2,451 |
| Net loans and leases to deposits | 75.7761% | 2,909 |
| Net loans and leases to core deposits | 78.0570% | 3,279 |
| Total domestic deposits to total assets | 88.1356% | 2,144 |
| Equity capital to assets | 11.4733% | 2,328 |
| Core capital (leverage) ratio | 11.2453% | 2,138 |
| Tier 1 risk-based capital ratio | 14.7864% | 3,916 |
| Total risk-based capital ratio | 15.9030% | 3,961 |
| Memoranda: | ||
| Average total assets | $100,746,330 | 4,791 |
| Average earning assets | $94,376,670 | 4,748 |
| Average equity | $12,002,670 | 4,534 |
| Average total loans | $66,867,670 | 4,433 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 1,423 |
| Cost of funding earning assets | 0.7941% | 1,562 |
| Net interest margin | 3.9495% | 1,950 |
| Noninterest income to average assets | 1.9197% | 453 |
| Noninterest expense to average assets | 3.1324% | 2,570 |
| Loan and lease loss provision to assets | 0.0395% | 3,936 |
| Net operating income to assets | 2.4411% | 173 |
| Return on assets (ROA) | 2.6307% | 147 |
| Pretax return on assets | 2.6307% | 223 |
| Return on Equity (ROE) | 21.6867% | 213 |
| Retained earnings to average equity (ytd only) | 21.6867% | 105 |
| Net charge-offs to loans | -0.0421% | 6,054 |
| Credit loss provision to net charge-offs | -142.8571% | 5,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8058% | 6,077 |
| Assets per employee ($millions) | 4.2323% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 5,040 |
| Loan loss allowance to noncurrent loans | 513.0435% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 4,051 |
| Noncurrent loans to loans | 0.2402% | 5,813 |
| Net loans and leases to total assets | 65.1850% | 2,517 |
| Net loans and leases to deposits | 74.6124% | 2,833 |
| Net loans and leases to core deposits | 76.8323% | 3,224 |
| Total domestic deposits to total assets | 87.3649% | 2,716 |
| Equity capital to assets | 12.3378% | 1,816 |
| Core capital (leverage) ratio | 11.4741% | 1,901 |
| Tier 1 risk-based capital ratio | 15.2555% | 3,678 |
| Total risk-based capital ratio | 16.3410% | 3,733 |
| Memoranda: | ||
| Average total assets | $101,264,500 | 4,832 |
| Average earning assets | $94,696,000 | 4,773 |
| Average equity | $12,284,000 | 4,524 |
| Average total loans | $66,577,000 | 4,471 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0940% | 1,331 |
| Cost of funding earning assets | 1.0063% | 1,327 |
| Net interest margin | 4.0877% | 2,051 |
| Noninterest income to average assets | 0.9828% | 1,582 |
| Noninterest expense to average assets | 3.0429% | 3,121 |
| Loan and lease loss provision to assets | 0.1323% | 3,968 |
| Net operating income to assets | 1.5952% | 764 |
| Return on assets (ROA) | 1.6471% | 765 |
| Pretax return on assets | 1.6492% | 1,266 |
| Return on Equity (ROE) | 13.9607% | 997 |
| Retained earnings to average equity (ytd only) | 8.2437% | 1,051 |
| Net charge-offs to loans | 0.0901% | 4,771 |
| Credit loss provision to net charge-offs | 224.1379% | 1,117 |
| Earnings coverage of net charge-offs (x) | 29.3103% | 1,025 |
| Efficiency ratio | 63.7604% | 4,933 |
| Assets per employee ($millions) | 4.2065% | 3,540 |
| Cash dividends to net income (ytd only)* | 40.9512% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 5,001 |
| Loan loss allowance to noncurrent loans | 406.5327% | 981 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 3,915 |
| Noncurrent loans to loans | 0.3010% | 5,724 |
| Net loans and leases to total assets | 64.6902% | 2,774 |
| Net loans and leases to deposits | 73.6412% | 3,151 |
| Net loans and leases to core deposits | 75.8337% | 3,552 |
| Total domestic deposits to total assets | 87.8451% | 2,322 |
| Equity capital to assets | 11.9221% | 2,095 |
| Core capital (leverage) ratio | 10.7949% | 2,446 |
| Tier 1 risk-based capital ratio | 14.3321% | 4,140 |
| Total risk-based capital ratio | 15.3917% | 4,239 |
| Memoranda: | ||
| Average total assets | $98,293,000 | 4,880 |
| Average earning assets | $91,126,600 | 4,838 |
| Average equity | $11,596,800 | 4,650 |
| Average total loans | $64,374,400 | 4,563 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1295% | 1,360 |
| Cost of funding earning assets | 1.0495% | 1,282 |
| Net interest margin | 4.0800% | 2,173 |
| Noninterest income to average assets | 0.9860% | 1,542 |
| Noninterest expense to average assets | 3.0496% | 3,060 |
| Loan and lease loss provision to assets | 0.1366% | 3,841 |
| Net operating income to assets | 1.5719% | 911 |
| Return on assets (ROA) | 1.6197% | 896 |
| Pretax return on assets | 1.6225% | 1,501 |
| Return on Equity (ROE) | 13.7659% | 1,160 |
| Retained earnings to average equity (ytd only) | 9.9124% | 940 |
| Net charge-offs to loans | 0.1335% | 4,053 |
| Credit loss provision to net charge-offs | 156.2500% | 1,799 |
| Earnings coverage of net charge-offs (x) | 19.5783% | 1,489 |
| Efficiency ratio | 64.0562% | 4,799 |
| Assets per employee ($millions) | 4.3500% | 3,164 |
| Cash dividends to net income (ytd only)* | 27.9936% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,433 |
| Loan loss allowance to noncurrent loans | 293.9163% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 4,127 |
| Noncurrent loans to loans | 0.3979% | 5,661 |
| Net loans and leases to total assets | 65.2870% | 2,783 |
| Net loans and leases to deposits | 74.6264% | 3,200 |
| Net loans and leases to core deposits | 78.0450% | 3,453 |
| Total domestic deposits to total assets | 87.4851% | 2,362 |
| Equity capital to assets | 12.0751% | 2,194 |
| Core capital (leverage) ratio | 10.8946% | 2,493 |
| Tier 1 risk-based capital ratio | 14.4914% | 4,188 |
| Total risk-based capital ratio | 15.5247% | 4,303 |
| Memoranda: | ||
| Average total assets | $97,627,500 | 4,943 |
| Average earning assets | $90,325,250 | 4,901 |
| Average equity | $11,487,000 | 4,718 |
| Average total loans | $63,938,750 | 4,624 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 1,357 |
| Cost of funding earning assets | 1.1139% | 1,154 |
| Net interest margin | 4.0426% | 2,327 |
| Noninterest income to average assets | 1.0204% | 1,400 |
| Noninterest expense to average assets | 3.1006% | 2,927 |
| Loan and lease loss provision to assets | 0.1239% | 3,976 |
| Net operating income to assets | 1.5100% | 977 |
| Return on assets (ROA) | 1.5823% | 970 |
| Pretax return on assets | 1.5864% | 1,583 |
| Return on Equity (ROE) | 13.5707% | 1,212 |
| Retained earnings to average equity (ytd only) | 11.7814% | 622 |
| Net charge-offs to loans | 0.2088% | 3,317 |
| Credit loss provision to net charge-offs | 90.9091% | 3,017 |
| Earnings coverage of net charge-offs (x) | 12.0152% | 1,915 |
| Efficiency ratio | 65.4316% | 4,639 |
| Assets per employee ($millions) | 4.3538% | 3,162 |
| Cash dividends to net income (ytd only)* | 13.1854% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,667 |
| Loan loss allowance to noncurrent loans | 236.5696% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1474% | 4,095 |
| Noncurrent loans to loans | 0.4757% | 5,579 |
| Net loans and leases to total assets | 64.1325% | 3,006 |
| Net loans and leases to deposits | 72.9105% | 3,467 |
| Net loans and leases to core deposits | 75.3343% | 3,835 |
| Total domestic deposits to total assets | 87.9606% | 2,170 |
| Equity capital to assets | 11.6929% | 2,419 |
| Core capital (leverage) ratio | 10.9394% | 2,359 |
| Tier 1 risk-based capital ratio | 14.2169% | 4,292 |
| Total risk-based capital ratio | 15.1925% | 4,460 |
| Memoranda: | ||
| Average total assets | $96,820,330 | 4,987 |
| Average earning assets | $89,052,670 | 4,966 |
| Average equity | $11,289,000 | 4,755 |
| Average total loans | $63,221,000 | 4,663 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 1,374 |
| Cost of funding earning assets | 1.1532% | 1,165 |
| Net interest margin | 4.0201% | 2,418 |
| Noninterest income to average assets | 1.1307% | 1,100 |
| Noninterest expense to average assets | 3.1147% | 2,869 |
| Loan and lease loss provision to assets | 0.0841% | 4,330 |
| Net operating income to assets | 1.6309% | 820 |
| Return on assets (ROA) | 1.7276% | 762 |
| Pretax return on assets | 1.7360% | 1,225 |
| Return on Equity (ROE) | 14.8389% | 1,005 |
| Retained earnings to average equity (ytd only) | 14.8389% | 466 |
| Net charge-offs to loans | 0.3079% | 2,429 |
| Credit loss provision to net charge-offs | 41.6667% | 3,428 |
| Earnings coverage of net charge-offs (x) | 8.5417% | 1,949 |
| Efficiency ratio | 64.3788% | 4,855 |
| Assets per employee ($millions) | 4.3635% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,791 |
| Loan loss allowance to noncurrent loans | 175.9305% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 3,644 |
| Noncurrent loans to loans | 0.6437% | 5,354 |
| Net loans and leases to total assets | 64.4829% | 2,767 |
| Net loans and leases to deposits | 73.3285% | 3,228 |
| Net loans and leases to core deposits | 76.0987% | 3,606 |
| Total domestic deposits to total assets | 87.9370% | 2,364 |
| Equity capital to assets | 11.7713% | 2,202 |
| Core capital (leverage) ratio | 10.9798% | 2,269 |
| Tier 1 risk-based capital ratio | 14.4029% | 4,177 |
| Total risk-based capital ratio | 15.3849% | 4,334 |
| Memoranda: | ||
| Average total assets | $95,161,500 | 5,057 |
| Average earning assets | $87,759,500 | 5,031 |
| Average equity | $11,079,000 | 4,808 |
| Average total loans | $62,355,500 | 4,720 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 1,220 |
| Cost of funding earning assets | 1.2662% | 1,650 |
| Net interest margin | 4.2098% | 2,027 |
| Noninterest income to average assets | 0.8504% | 1,843 |
| Noninterest expense to average assets | 3.0977% | 3,204 |
| Loan and lease loss provision to assets | 0.1760% | 4,428 |
| Net operating income to assets | 1.4674% | 892 |
| Return on assets (ROA) | 1.4913% | 917 |
| Pretax return on assets | 1.4934% | 1,493 |
| Return on Equity (ROE) | 13.1189% | 1,136 |
| Retained earnings to average equity (ytd only) | 4.9303% | 2,694 |
| Net charge-offs to loans | 0.3172% | 3,807 |
| Credit loss provision to net charge-offs | 81.8182% | 4,371 |
| Earnings coverage of net charge-offs (x) | 7.6515% | 2,300 |
| Efficiency ratio | 65.3080% | 4,901 |
| Assets per employee ($millions) | 4.1012% | 3,643 |
| Cash dividends to net income (ytd only)* | 62.4181% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 5,453 |
| Loan loss allowance to noncurrent loans | 339.6313% | 985 |
| Noncurrent assets plus other real estate owned to assets | 1.5149% | 3,678 |
| Noncurrent loans to loans | 0.3494% | 6,030 |
| Net loans and leases to total assets | 65.0545% | 2,972 |
| Net loans and leases to deposits | 73.7087% | 3,543 |
| Net loans and leases to core deposits | 76.5338% | 3,902 |
| Total domestic deposits to total assets | 88.2589% | 1,998 |
| Equity capital to assets | 11.5110% | 2,496 |
| Core capital (leverage) ratio | 10.5888% | 2,628 |
| Tier 1 risk-based capital ratio | 13.7856% | 4,491 |
| Total risk-based capital ratio | 14.8030% | 4,630 |
| Memoranda: | ||
| Average total assets | $92,069,400 | 5,129 |
| Average earning assets | $85,133,800 | 5,085 |
| Average equity | $10,465,800 | 4,911 |
| Average total loans | $62,423,400 | 4,779 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5150% | 1,210 |
| Cost of funding earning assets | 1.2827% | 1,799 |
| Net interest margin | 4.2322% | 1,979 |
| Noninterest income to average assets | 0.8422% | 1,868 |
| Noninterest expense to average assets | 3.0482% | 3,359 |
| Loan and lease loss provision to assets | 0.2360% | 3,649 |
| Net operating income to assets | 1.4731% | 1,002 |
| Return on assets (ROA) | 1.5052% | 1,006 |
| Pretax return on assets | 1.5081% | 1,634 |
| Return on Equity (ROE) | 13.2845% | 1,209 |
| Retained earnings to average equity (ytd only) | 7.0088% | 1,964 |
| Net charge-offs to loans | 0.3285% | 3,453 |
| Credit loss provision to net charge-offs | 105.1948% | 3,164 |
| Earnings coverage of net charge-offs (x) | 7.6298% | 2,328 |
| Efficiency ratio | 64.0343% | 5,063 |
| Assets per employee ($millions) | 4.0463% | 3,741 |
| Cash dividends to net income (ytd only)* | 47.2410% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 5,186 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 2.0631% | 3,063 |
| Noncurrent loans to loans | 1.3765% | 4,230 |
| Net loans and leases to total assets | 65.6685% | 2,971 |
| Net loans and leases to deposits | 74.7328% | 3,555 |
| Net loans and leases to core deposits | 77.3020% | 4,004 |
| Total domestic deposits to total assets | 87.8710% | 2,115 |
| Equity capital to assets | 11.7014% | 2,495 |
| Core capital (leverage) ratio | 10.7566% | 2,609 |
| Tier 1 risk-based capital ratio | 13.9254% | 4,405 |
| Total risk-based capital ratio | 15.0113% | 4,491 |
| Memoranda: | ||
| Average total assets | $91,505,000 | 5,183 |
| Average earning assets | $84,712,500 | 5,135 |
| Average equity | $10,367,750 | 4,942 |
| Average total loans | $62,504,000 | 4,812 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5144% | 1,271 |
| Cost of funding earning assets | 1.3109% | 1,875 |
| Net interest margin | 4.2035% | 2,023 |
| Noninterest income to average assets | 0.8815% | 1,709 |
| Noninterest expense to average assets | 3.0225% | 3,554 |
| Loan and lease loss provision to assets | 0.3011% | 2,996 |
| Net operating income to assets | 1.4442% | 992 |
| Return on assets (ROA) | 1.4926% | 964 |
| Pretax return on assets | 1.4970% | 1,546 |
| Return on Equity (ROE) | 13.3220% | 1,131 |
| Retained earnings to average equity (ytd only) | 8.2208% | 1,377 |
| Net charge-offs to loans | 0.5294% | 2,507 |
| Credit loss provision to net charge-offs | 82.5301% | 3,696 |
| Earnings coverage of net charge-offs (x) | 4.7952% | 2,776 |
| Efficiency ratio | 63.3349% | 5,357 |
| Assets per employee ($millions) | 4.0135% | 3,729 |
| Cash dividends to net income (ytd only)* | 38.2916% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 5,583 |
| Loan loss allowance to noncurrent loans | 83.5017% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 2.0301% | 3,193 |
| Noncurrent loans to loans | 1.4271% | 4,277 |
| Net loans and leases to total assets | 66.8274% | 2,853 |
| Net loans and leases to deposits | 75.7953% | 3,517 |
| Net loans and leases to core deposits | 78.4139% | 4,005 |
| Total domestic deposits to total assets | 88.1683% | 2,033 |
| Equity capital to assets | 11.4634% | 2,537 |
| Core capital (leverage) ratio | 10.6946% | 2,525 |
| Tier 1 risk-based capital ratio | 13.9693% | 4,191 |
| Total risk-based capital ratio | 15.0202% | 4,301 |
| Memoranda: | ||
| Average total assets | $90,984,670 | 5,237 |
| Average earning assets | $84,215,670 | 5,190 |
| Average equity | $10,193,670 | 4,995 |
| Average total loans | $62,706,670 | 4,843 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 1,333 |
| Cost of funding earning assets | 1.3359% | 1,976 |
| Net interest margin | 4.1509% | 2,078 |
| Noninterest income to average assets | 0.9566% | 1,447 |
| Noninterest expense to average assets | 3.0070% | 3,621 |
| Loan and lease loss provision to assets | 0.2923% | 2,819 |
| Net operating income to assets | 1.5016% | 871 |
| Return on assets (ROA) | 1.5279% | 870 |
| Pretax return on assets | 1.5367% | 1,341 |
| Return on Equity (ROE) | 13.8007% | 1,028 |
| Retained earnings to average equity (ytd only) | 13.8007% | 495 |
| Net charge-offs to loans | 0.4392% | 2,381 |
| Credit loss provision to net charge-offs | 95.6522% | 2,838 |
| Earnings coverage of net charge-offs (x) | 5.8986% | 2,190 |
| Efficiency ratio | 62.5230% | 5,592 |
| Assets per employee ($millions) | 3.9748% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,392 |
| Loan loss allowance to noncurrent loans | 91.5577% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 2.0280% | 3,284 |
| Noncurrent loans to loans | 1.3652% | 4,427 |
| Net loans and leases to total assets | 66.5405% | 2,873 |
| Net loans and leases to deposits | 75.1783% | 3,559 |
| Net loans and leases to core deposits | 77.7774% | 4,050 |
| Total domestic deposits to total assets | 88.5103% | 2,071 |
| Equity capital to assets | 11.1670% | 2,527 |
| Core capital (leverage) ratio | 10.8474% | 2,310 |
| Tier 1 risk-based capital ratio | 13.8874% | 4,149 |
| Total risk-based capital ratio | 14.9767% | 4,226 |
| Memoranda: | ||
| Average total assets | $90,321,500 | 5,280 |
| Average earning assets | $83,837,500 | 5,239 |
| Average equity | $9,999,500 | 5,053 |
| Average total loans | $62,843,500 | 4,875 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7363% | 1,448 |
| Cost of funding earning assets | 1.5754% | 2,212 |
| Net interest margin | 4.1609% | 2,323 |
| Noninterest income to average assets | 0.9871% | 1,550 |
| Noninterest expense to average assets | 3.0612% | 3,624 |
| Loan and lease loss provision to assets | 0.3112% | 4,315 |
| Net operating income to assets | 1.4255% | 894 |
| Return on assets (ROA) | 1.4460% | 930 |
| Pretax return on assets | 1.4482% | 1,514 |
| Return on Equity (ROE) | 13.1264% | 1,059 |
| Retained earnings to average equity (ytd only) | 2.9181% | 3,815 |
| Net charge-offs to loans | 0.4115% | 3,984 |
| Credit loss provision to net charge-offs | 107.8740% | 4,108 |
| Earnings coverage of net charge-offs (x) | 6.0276% | 2,460 |
| Efficiency ratio | 63.7719% | 5,388 |
| Assets per employee ($millions) | 3.8792% | 4,056 |
| Cash dividends to net income (ytd only)* | 77.7690% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 5,481 |
| Loan loss allowance to noncurrent loans | 72.1755% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 2.3357% | 2,932 |
| Noncurrent loans to loans | 1.6712% | 3,993 |
| Net loans and leases to total assets | 70.9601% | 2,316 |
| Net loans and leases to deposits | 80.0435% | 3,168 |
| Net loans and leases to core deposits | 82.8767% | 3,767 |
| Total domestic deposits to total assets | 88.6519% | 1,855 |
| Equity capital to assets | 10.9726% | 2,711 |
| Core capital (leverage) ratio | 10.5057% | 2,550 |
| Tier 1 risk-based capital ratio | 13.2794% | 4,390 |
| Total risk-based capital ratio | 14.3632% | 4,473 |
| Memoranda: | ||
| Average total assets | $88,037,600 | 5,348 |
| Average earning assets | $80,679,800 | 5,321 |
| Average equity | $9,698,000 | 5,208 |
| Average total loans | $61,731,200 | 4,997 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7273% | 1,619 |
| Cost of funding earning assets | 1.6169% | 2,294 |
| Net interest margin | 4.1104% | 2,582 |
| Noninterest income to average assets | 1.0303% | 1,370 |
| Noninterest expense to average assets | 3.0802% | 3,421 |
| Loan and lease loss provision to assets | 0.3100% | 4,101 |
| Net operating income to assets | 1.3919% | 1,119 |
| Return on assets (ROA) | 1.4193% | 1,146 |
| Pretax return on assets | 1.4223% | 1,819 |
| Return on Equity (ROE) | 12.8713% | 1,291 |
| Retained earnings to average equity (ytd only) | 2.6184% | 4,585 |
| Net charge-offs to loans | 0.5561% | 3,085 |
| Credit loss provision to net charge-offs | 80.0000% | 5,135 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 3,068 |
| Efficiency ratio | 64.3696% | 5,181 |
| Assets per employee ($millions) | 3.8232% | 4,212 |
| Cash dividends to net income (ytd only)* | 79.6579% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,808 |
| Loan loss allowance to noncurrent loans | 94.7368% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 2.0606% | 3,393 |
| Noncurrent loans to loans | 1.1935% | 4,853 |
| Net loans and leases to total assets | 69.8092% | 2,774 |
| Net loans and leases to deposits | 79.5898% | 3,528 |
| Net loans and leases to core deposits | 82.3553% | 4,191 |
| Total domestic deposits to total assets | 87.7112% | 2,153 |
| Equity capital to assets | 11.3915% | 2,610 |
| Core capital (leverage) ratio | 10.5598% | 2,627 |
| Tier 1 risk-based capital ratio | 13.3100% | 4,345 |
| Total risk-based capital ratio | 14.3064% | 4,513 |
| Memoranda: | ||
| Average total assets | $87,741,500 | 5,423 |
| Average earning assets | $80,152,500 | 5,401 |
| Average equity | $9,675,000 | 5,295 |
| Average total loans | $61,142,750 | 5,094 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6747% | 1,856 |
| Cost of funding earning assets | 1.6565% | 2,353 |
| Net interest margin | 4.0182% | 2,930 |
| Noninterest income to average assets | 1.0379% | 1,258 |
| Noninterest expense to average assets | 3.1342% | 3,167 |
| Loan and lease loss provision to assets | 0.3057% | 3,944 |
| Net operating income to assets | 1.2455% | 1,436 |
| Return on assets (ROA) | 1.2865% | 1,401 |
| Pretax return on assets | 1.2911% | 2,120 |
| Return on Equity (ROE) | 11.7979% | 1,499 |
| Retained earnings to average equity (ytd only) | 0.5648% | 5,539 |
| Net charge-offs to loans | 0.7529% | 2,356 |
| Credit loss provision to net charge-offs | 58.5153% | 5,242 |
| Earnings coverage of net charge-offs (x) | 2.9782% | 3,511 |
| Efficiency ratio | 66.8288% | 4,810 |
| Assets per employee ($millions) | 3.8308% | 4,154 |
| Cash dividends to net income (ytd only)* | 95.2128% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 6,018 |
| Loan loss allowance to noncurrent loans | 58.3851% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.5480% | 2,838 |
| Noncurrent loans to loans | 1.8565% | 3,925 |
| Net loans and leases to total assets | 68.1531% | 3,327 |
| Net loans and leases to deposits | 77.0462% | 4,153 |
| Net loans and leases to core deposits | 79.4267% | 4,753 |
| Total domestic deposits to total assets | 88.4575% | 1,753 |
| Equity capital to assets | 10.9875% | 2,873 |
| Core capital (leverage) ratio | 10.5460% | 2,589 |
| Tier 1 risk-based capital ratio | 13.3148% | 4,198 |
| Total risk-based capital ratio | 14.2657% | 4,379 |
| Memoranda: | ||
| Average total assets | $87,677,330 | 5,462 |
| Average earning assets | $79,687,000 | 5,456 |
| Average equity | $9,561,000 | 5,325 |
| Average total loans | $60,827,670 | 5,146 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6082% | 2,114 |
| Cost of funding earning assets | 1.6865% | 2,454 |
| Net interest margin | 3.9217% | 3,236 |
| Noninterest income to average assets | 0.8690% | 1,739 |
| Noninterest expense to average assets | 3.1740% | 2,961 |
| Loan and lease loss provision to assets | 0.1555% | 4,975 |
| Net operating income to assets | 1.0939% | 1,846 |
| Return on assets (ROA) | 1.1754% | 1,683 |
| Pretax return on assets | 1.1845% | 2,417 |
| Return on Equity (ROE) | 10.8199% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.7887% | 1,798 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6202% | 3,994 |
| Assets per employee ($millions) | 3.7507% | 4,429 |
| Cash dividends to net income (ytd only)* | 28.0156% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,914 |
| Loan loss allowance to noncurrent loans | 32.8464% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 4.1210% | 1,661 |
| Noncurrent loans to loans | 3.9700% | 1,975 |
| Net loans and leases to total assets | 69.0492% | 3,145 |
| Net loans and leases to deposits | 78.2672% | 3,988 |
| Net loans and leases to core deposits | 81.2855% | 4,584 |
| Total domestic deposits to total assets | 88.2225% | 1,936 |
| Equity capital to assets | 11.1388% | 2,646 |
| Core capital (leverage) ratio | 10.7347% | 2,431 |
| Tier 1 risk-based capital ratio | 13.7577% | 3,831 |
| Total risk-based capital ratio | 14.9130% | 3,842 |
| Memoranda: | ||
| Average total assets | $87,461,500 | 5,529 |
| Average earning assets | $79,455,500 | 5,526 |
| Average equity | $9,501,000 | 5,383 |
| Average total loans | $60,888,000 | 5,211 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1933% | 1,252 |
| Cost of funding earning assets | 1.9664% | 3,118 |
| Net interest margin | 4.2270% | 1,983 |
| Noninterest income to average assets | 1.1218% | 1,221 |
| Noninterest expense to average assets | 3.2396% | 3,237 |
| Loan and lease loss provision to assets | 0.5836% | 3,458 |
| Net operating income to assets | 1.1626% | 1,354 |
| Return on assets (ROA) | 1.1719% | 1,365 |
| Pretax return on assets | 1.1742% | 2,022 |
| Return on Equity (ROE) | 11.3319% | 1,345 |
| Retained earnings to average equity (ytd only) | 11.3319% | 262 |
| Net charge-offs to loans | 1.0663% | 2,279 |
| Credit loss provision to net charge-offs | 74.3323% | 6,413 |
| Earnings coverage of net charge-offs (x) | 2.2270% | 4,051 |
| Efficiency ratio | 64.9463% | 5,594 |
| Assets per employee ($millions) | 3.8547% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 5,206 |
| Loan loss allowance to noncurrent loans | 73.1068% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 2.2175% | 3,103 |
| Noncurrent loans to loans | 1.6769% | 4,133 |
| Net loans and leases to total assets | 68.4323% | 3,601 |
| Net loans and leases to deposits | 77.0452% | 4,551 |
| Net loans and leases to core deposits | 87.8003% | 5,347 |
| Total domestic deposits to total assets | 88.8210% | 1,561 |
| Equity capital to assets | 10.5948% | 3,074 |
| Core capital (leverage) ratio | 10.4438% | 2,656 |
| Tier 1 risk-based capital ratio | 14.0003% | 3,499 |
| Total risk-based capital ratio | 15.1478% | 3,518 |
| Memoranda: | ||
| Average total assets | $85,842,800 | 5,531 |
| Average earning assets | $78,519,800 | 5,510 |
| Average equity | $8,877,600 | 5,645 |
| Average total loans | $63,207,800 | 5,128 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2690% | 1,201 |
| Cost of funding earning assets | 2.0072% | 3,325 |
| Net interest margin | 4.2618% | 1,835 |
| Noninterest income to average assets | 1.2497% | 987 |
| Noninterest expense to average assets | 3.3121% | 2,866 |
| Loan and lease loss provision to assets | 0.7846% | 2,411 |
| Net operating income to assets | 1.0602% | 1,864 |
| Return on assets (ROA) | 1.0602% | 1,925 |
| Pretax return on assets | 1.0633% | 2,697 |
| Return on Equity (ROE) | 10.3174% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.3174% | 577 |
| Net charge-offs to loans | 1.2170% | 1,676 |
| Credit loss provision to net charge-offs | 86.2306% | 5,586 |
| Earnings coverage of net charge-offs (x) | 2.0310% | 4,297 |
| Efficiency ratio | 64.1882% | 5,712 |
| Assets per employee ($millions) | 3.6497% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 4,220 |
| Loan loss allowance to noncurrent loans | 67.7885% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 2.4705% | 2,786 |
| Noncurrent loans to loans | 1.9881% | 3,658 |
| Net loans and leases to total assets | 70.6986% | 3,337 |
| Net loans and leases to deposits | 79.7463% | 4,429 |
| Net loans and leases to core deposits | 91.8689% | 5,244 |
| Total domestic deposits to total assets | 88.6543% | 1,361 |
| Equity capital to assets | 10.5111% | 3,501 |
| Core capital (leverage) ratio | 10.1979% | 3,070 |
| Tier 1 risk-based capital ratio | 13.6941% | 3,713 |
| Total risk-based capital ratio | 14.9447% | 3,668 |
| Memoranda: | ||
| Average total assets | $85,139,250 | 5,586 |
| Average earning assets | $78,117,500 | 5,555 |
| Average equity | $8,748,750 | 5,737 |
| Average total loans | $63,654,000 | 5,144 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3648% | 1,067 |
| Cost of funding earning assets | 2.0502% | 3,517 |
| Net interest margin | 4.3147% | 1,614 |
| Noninterest income to average assets | 1.3401% | 851 |
| Noninterest expense to average assets | 3.2566% | 3,130 |
| Loan and lease loss provision to assets | 0.7211% | 2,274 |
| Net operating income to assets | 1.3211% | 1,187 |
| Return on assets (ROA) | 1.3211% | 1,256 |
| Pretax return on assets | 1.3259% | 1,948 |
| Return on Equity (ROE) | 12.9595% | 1,191 |
| Retained earnings to average equity (ytd only) | 12.9595% | 337 |
| Net charge-offs to loans | 0.2408% | 3,989 |
| Credit loss provision to net charge-offs | 394.8052% | 1,181 |
| Earnings coverage of net charge-offs (x) | 11.2078% | 1,924 |
| Efficiency ratio | 61.4043% | 6,327 |
| Assets per employee ($millions) | 3.5283% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 2,086 |
| Loan loss allowance to noncurrent loans | 68.2249% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 3.3314% | 1,873 |
| Noncurrent loans to loans | 2.6181% | 2,762 |
| Net loans and leases to total assets | 74.8686% | 2,476 |
| Net loans and leases to deposits | 84.3956% | 3,811 |
| Net loans and leases to core deposits | 96.5256% | 4,842 |
| Total domestic deposits to total assets | 88.7115% | 1,427 |
| Equity capital to assets | 10.4819% | 3,424 |
| Core capital (leverage) ratio | 10.2426% | 3,051 |
| Tier 1 risk-based capital ratio | 13.2780% | 3,952 |
| Total risk-based capital ratio | 14.5347% | 3,865 |
| Memoranda: | ||
| Average total assets | $84,321,330 | 5,637 |
| Average earning assets | $77,456,670 | 5,615 |
| Average equity | $8,596,000 | 5,816 |
| Average total loans | $63,947,670 | 5,179 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3628% | 1,152 |
| Cost of funding earning assets | 2.0968% | 3,667 |
| Net interest margin | 4.2660% | 1,687 |
| Noninterest income to average assets | 1.5070% | 623 |
| Noninterest expense to average assets | 3.2564% | 2,773 |
| Loan and lease loss provision to assets | 0.5087% | 2,438 |
| Net operating income to assets | 1.6497% | 715 |
| Return on assets (ROA) | 1.6638% | 766 |
| Pretax return on assets | 1.6734% | 1,234 |
| Return on Equity (ROE) | 16.5563% | 746 |
| Retained earnings to average equity (ytd only) | 16.5563% | 301 |
| Net charge-offs to loans | 0.0503% | 4,768 |
| Credit loss provision to net charge-offs | 1,337.5000% | 473 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 670 |
| Efficiency ratio | 60.0351% | 6,399 |
| Assets per employee ($millions) | 3.3676% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 2,492 |
| Loan loss allowance to noncurrent loans | 52.1363% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 3.5016% | 1,537 |
| Noncurrent loans to loans | 3.0796% | 2,108 |
| Net loans and leases to total assets | 74.6110% | 2,595 |
| Net loans and leases to deposits | 83.8652% | 4,007 |
| Net loans and leases to core deposits | 96.5301% | 4,903 |
| Total domestic deposits to total assets | 88.9654% | 1,242 |
| Equity capital to assets | 10.3112% | 3,641 |
| Core capital (leverage) ratio | 9.8313% | 3,598 |
| Tier 1 risk-based capital ratio | 12.9997% | 4,179 |
| Total risk-based capital ratio | 14.2539% | 4,103 |
| Memoranda: | ||
| Average total assets | $84,142,500 | 5,666 |
| Average earning assets | $77,262,000 | 5,645 |
| Average equity | $8,456,000 | 5,899 |
| Average total loans | $63,646,000 | 5,223 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2024% | 747 |
| Cost of funding earning assets | 2.6559% | 3,393 |
| Net interest margin | 4.5464% | 1,319 |
| Noninterest income to average assets | 0.7436% | 2,819 |
| Noninterest expense to average assets | 3.1253% | 3,600 |
| Loan and lease loss provision to assets | 0.4016% | 3,276 |
| Net operating income to assets | 1.3838% | 1,270 |
| Return on assets (ROA) | 1.3838% | 1,220 |
| Pretax return on assets | 1.3874% | 2,008 |
| Return on Equity (ROE) | 14.2940% | 1,049 |
| Retained earnings to average equity (ytd only) | 6.0093% | 1,531 |
| Net charge-offs to loans | 0.7739% | 1,609 |
| Credit loss provision to net charge-offs | 69.6203% | 6,079 |
| Earnings coverage of net charge-offs (x) | 3.1013% | 4,542 |
| Efficiency ratio | 63.5958% | 5,646 |
| Assets per employee ($millions) | 3.3638% | 5,052 |
| Cash dividends to net income (ytd only)* | 57.9595% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 2,879 |
| Loan loss allowance to noncurrent loans | 131.1615% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 2.0073% | 2,451 |
| Noncurrent loans to loans | 1.1127% | 4,323 |
| Net loans and leases to total assets | 74.3516% | 3,022 |
| Net loans and leases to deposits | 83.2393% | 4,534 |
| Net loans and leases to core deposits | 93.5444% | 5,489 |
| Total domestic deposits to total assets | 89.3228% | 910 |
| Equity capital to assets | 9.7877% | 4,309 |
| Core capital (leverage) ratio | 9.7098% | 3,753 |
| Tier 1 risk-based capital ratio | 12.4473% | 4,478 |
| Total risk-based capital ratio | 13.6997% | 4,374 |
| Memoranda: | ||
| Average total assets | $82,166,800 | 5,625 |
| Average earning assets | $75,378,000 | 5,615 |
| Average equity | $7,954,400 | 6,100 |
| Average total loans | $61,251,600 | 5,212 |