Home > The First National Bank of McGregor > Performance and Condition Ratios
The First National Bank of McGregor, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6333% | 308 |
| Cost of funding earning assets | 2.7304% | 237 |
| Net interest margin | 3.9028% | 1,369 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.5603% | 2,125 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.9364% | 2,420 |
| Return on assets (ROA) | 0.9364% | 2,401 |
| Pretax return on assets | 1.1843% | 2,183 |
| Return on Equity (ROE) | 10.8300% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.2833% | 1,190 |
| Net charge-offs to loans | 0.2272% | 479 |
| Credit loss provision to net charge-offs | 107.0901% | 1,776 |
| Earnings coverage of net charge-offs (x) | 8.3508% | 2,350 |
| Efficiency ratio | 65.3340% | 2,439 |
| Assets per employee ($millions) | 8.8216% | 1,049 |
| Cash dividends to net income (ytd only)* | 14.2802% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 1,880 |
| Loan loss allowance to noncurrent loans | 77.6752% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.5030% | 254 |
| Noncurrent loans to loans | 1.6467% | 388 |
| Net loans and leases to total assets | 72.1300% | 1,563 |
| Net loans and leases to deposits | 79.5613% | 2,148 |
| Net loans and leases to core deposits | 122.6636% | 550 |
| Total domestic deposits to total assets | 90.6600% | 588 |
| Equity capital to assets | 8.8972% | 2,746 |
| Core capital (leverage) ratio | 10.4255% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9278% | 1,554 |
| Memoranda: | ||
| Average total assets | $832,312,000 | 1,148 |
| Average earning assets | $774,929,200 | 1,140 |
| Average equity | $71,968,000 | 1,220 |
| Average total loans | $595,887,000 | 1,094 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4634% | 317 |
| Cost of funding earning assets | 2.6179% | 232 |
| Net interest margin | 3.8455% | 1,506 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.4873% | 2,273 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.9971% | 2,370 |
| Return on assets (ROA) | 0.9971% | 2,360 |
| Pretax return on assets | 1.2624% | 2,135 |
| Return on Equity (ROE) | 11.6200% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.5213% | 1,546 |
| Net charge-offs to loans | 0.2553% | 347 |
| Credit loss provision to net charge-offs | 88.9680% | 1,699 |
| Earnings coverage of net charge-offs (x) | 7.8327% | 2,219 |
| Efficiency ratio | 63.5912% | 2,548 |
| Assets per employee ($millions) | 9.2704% | 844 |
| Cash dividends to net income (ytd only)* | 18.0565% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 1,985 |
| Loan loss allowance to noncurrent loans | 107.6586% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.4588% | 258 |
| Noncurrent loans to loans | 1.1850% | 662 |
| Net loans and leases to total assets | 69.7800% | 1,859 |
| Net loans and leases to deposits | 76.5012% | 2,374 |
| Net loans and leases to core deposits | 118.7353% | 588 |
| Total domestic deposits to total assets | 91.2100% | 624 |
| Equity capital to assets | 8.2610% | 2,879 |
| Core capital (leverage) ratio | 10.2930% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7715% | 1,642 |
| Memoranda: | ||
| Average total assets | $824,259,750 | 1,154 |
| Average earning assets | $767,559,750 | 1,144 |
| Average equity | $70,730,500 | 1,234 |
| Average total loans | $586,951,000 | 1,102 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4601% | 271 |
| Cost of funding earning assets | 2.4984% | 194 |
| Net interest margin | 3.9617% | 1,311 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.3672% | 2,603 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.1735% | 1,901 |
| Return on assets (ROA) | 1.1735% | 1,895 |
| Pretax return on assets | 1.4861% | 1,626 |
| Return on Equity (ROE) | 13.4900% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.3283% | 1,323 |
| Net charge-offs to loans | 0.2304% | 355 |
| Credit loss provision to net charge-offs | 105.2632% | 1,405 |
| Earnings coverage of net charge-offs (x) | 10.0872% | 2,001 |
| Efficiency ratio | 58.7910% | 3,098 |
| Assets per employee ($millions) | 9.2882% | 825 |
| Cash dividends to net income (ytd only)* | 23.4612% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 1,588 |
| Loan loss allowance to noncurrent loans | 95.1912% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.5767% | 222 |
| Noncurrent loans to loans | 1.4534% | 469 |
| Net loans and leases to total assets | 67.6100% | 2,000 |
| Net loans and leases to deposits | 74.2467% | 2,468 |
| Net loans and leases to core deposits | 108.7325% | 878 |
| Total domestic deposits to total assets | 91.0600% | 632 |
| Equity capital to assets | 8.5391% | 2,831 |
| Core capital (leverage) ratio | 10.1889% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4060% | 1,454 |
| Memoranda: | ||
| Average total assets | $808,539,667 | 1,172 |
| Average earning assets | $753,267,667 | 1,163 |
| Average equity | $70,311,333 | 1,235 |
| Average total loans | $577,291,333 | 1,102 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2127% | 248 |
| Cost of funding earning assets | 2.3357% | 137 |
| Net interest margin | 3.8770% | 1,522 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.8826% | 3,887 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.4887% | 1,210 |
| Return on assets (ROA) | 1.4887% | 1,188 |
| Pretax return on assets | 1.8724% | 948 |
| Return on Equity (ROE) | 16.9600% | 1,181 |
| Retained earnings to average equity (ytd only) | 11.8191% | 1,303 |
| Net charge-offs to loans | 0.2652% | 287 |
| Credit loss provision to net charge-offs | 104.7120% | 1,089 |
| Earnings coverage of net charge-offs (x) | 10.7304% | 1,649 |
| Efficiency ratio | 47.5697% | 4,113 |
| Assets per employee ($millions) | 8.5451% | 1,111 |
| Cash dividends to net income (ytd only)* | 30.2958% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 1,734 |
| Loan loss allowance to noncurrent loans | 75.0633% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.5157% | 215 |
| Noncurrent loans to loans | 1.8255% | 334 |
| Net loans and leases to total assets | 70.9400% | 1,529 |
| Net loans and leases to deposits | 78.1888% | 1,950 |
| Net loans and leases to core deposits | 112.3506% | 632 |
| Total domestic deposits to total assets | 90.7300% | 898 |
| Equity capital to assets | 8.7802% | 2,676 |
| Core capital (leverage) ratio | 10.1306% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4001% | 1,520 |
| Memoranda: | ||
| Average total assets | $790,195,000 | 1,207 |
| Average earning assets | $736,236,000 | 1,193 |
| Average equity | $69,379,500 | 1,253 |
| Average total loans | $576,199,500 | 1,121 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 152 |
| Cost of funding earning assets | 1.0783% | 125 |
| Net interest margin | 4.4248% | 337 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 3.0260% | 934 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.9056% | 2,937 |
| Return on assets (ROA) | 0.9056% | 2,875 |
| Pretax return on assets | 1.1345% | 2,657 |
| Return on Equity (ROE) | 10.0800% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.1073% | 1,788 |
| Net charge-offs to loans | 0.2250% | 357 |
| Credit loss provision to net charge-offs | 138.7987% | 1,350 |
| Earnings coverage of net charge-offs (x) | 8.2938% | 2,272 |
| Efficiency ratio | 68.9526% | 1,835 |
| Assets per employee ($millions) | 7.5356% | 1,595 |
| Cash dividends to net income (ytd only)* | 19.5995% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,490 |
| Loan loss allowance to noncurrent loans | 80.6344% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.5196% | 207 |
| Noncurrent loans to loans | 1.7412% | 348 |
| Net loans and leases to total assets | 72.9300% | 1,319 |
| Net loans and leases to deposits | 80.3151% | 1,749 |
| Net loans and leases to core deposits | 116.8144% | 432 |
| Total domestic deposits to total assets | 90.8000% | 1,023 |
| Equity capital to assets | 8.7836% | 2,505 |
| Core capital (leverage) ratio | 10.4728% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4777% | 1,482 |
| Memoranda: | ||
| Average total assets | $749,930,000 | 1,244 |
| Average earning assets | $697,792,400 | 1,238 |
| Average equity | $67,347,000 | 1,289 |
| Average total loans | $547,444,800 | 1,109 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3685% | 130 |
| Cost of funding earning assets | 0.8734% | 118 |
| Net interest margin | 4.4951% | 240 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.9396% | 991 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 0.9480% | 2,678 |
| Return on assets (ROA) | 0.9480% | 2,642 |
| Pretax return on assets | 1.1980% | 2,373 |
| Return on Equity (ROE) | 10.5000% | 2,570 |
| Retained earnings to average equity (ytd only) | 7.8605% | 2,052 |
| Net charge-offs to loans | 0.2904% | 227 |
| Credit loss provision to net charge-offs | 144.7925% | 1,140 |
| Earnings coverage of net charge-offs (x) | 7.1177% | 2,086 |
| Efficiency ratio | 66.1553% | 2,256 |
| Assets per employee ($millions) | 7.3503% | 1,710 |
| Cash dividends to net income (ytd only)* | 25.1179% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,480 |
| Loan loss allowance to noncurrent loans | 105.6835% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2596% | 307 |
| Noncurrent loans to loans | 1.3620% | 532 |
| Net loans and leases to total assets | 74.0900% | 1,086 |
| Net loans and leases to deposits | 81.4916% | 1,485 |
| Net loans and leases to core deposits | 118.9481% | 282 |
| Total domestic deposits to total assets | 90.9200% | 1,272 |
| Equity capital to assets | 8.6957% | 2,410 |
| Core capital (leverage) ratio | 10.5421% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3806% | 1,605 |
| Memoranda: | ||
| Average total assets | $745,254,250 | 1,262 |
| Average earning assets | $693,803,500 | 1,252 |
| Average equity | $67,305,250 | 1,304 |
| Average total loans | $542,176,750 | 1,111 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2277% | 127 |
| Cost of funding earning assets | 0.8208% | 91 |
| Net interest margin | 4.4069% | 226 |
| Noninterest income to average assets | 0.2136% | 3,926 |
| Noninterest expense to average assets | 2.9276% | 948 |
| Loan and lease loss provision to assets | 0.3350% | 188 |
| Net operating income to assets | 0.8394% | 2,821 |
| Return on assets (ROA) | 0.8394% | 2,792 |
| Pretax return on assets | 1.0522% | 2,563 |
| Return on Equity (ROE) | 9.1818% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.2798% | 2,594 |
| Net charge-offs to loans | 0.3625% | 190 |
| Credit loss provision to net charge-offs | 128.4687% | 1,161 |
| Earnings coverage of net charge-offs (x) | 5.3196% | 1,931 |
| Efficiency ratio | 67.8489% | 2,265 |
| Assets per employee ($millions) | 7.2998% | 1,738 |
| Cash dividends to net income (ytd only)* | 42.4968% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 1,616 |
| Loan loss allowance to noncurrent loans | 86.7336% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 2.0365% | 138 |
| Noncurrent loans to loans | 1.6545% | 429 |
| Net loans and leases to total assets | 71.7677% | 1,130 |
| Net loans and leases to deposits | 79.0086% | 1,466 |
| Net loans and leases to core deposits | 109.4440% | 361 |
| Total domestic deposits to total assets | 90.8352% | 1,318 |
| Equity capital to assets | 8.8377% | 2,512 |
| Core capital (leverage) ratio | 9.9120% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1108% | 1,679 |
| Memoranda: | ||
| Average total assets | $746,212,333 | 1,258 |
| Average earning assets | $694,453,000 | 1,259 |
| Average equity | $68,222,000 | 1,316 |
| Average total loans | $536,875,333 | 1,110 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 145 |
| Cost of funding earning assets | 0.8283% | 75 |
| Net interest margin | 4.2187% | 277 |
| Noninterest income to average assets | 0.3122% | 3,228 |
| Noninterest expense to average assets | 2.9386% | 902 |
| Loan and lease loss provision to assets | 0.2999% | 207 |
| Net operating income to assets | 0.8032% | 2,646 |
| Return on assets (ROA) | 0.8032% | 2,638 |
| Pretax return on assets | 1.0061% | 2,420 |
| Return on Equity (ROE) | 8.6417% | 2,460 |
| Retained earnings to average equity (ytd only) | 0.9736% | 3,829 |
| Net charge-offs to loans | 0.2703% | 237 |
| Credit loss provision to net charge-offs | 155.1247% | 854 |
| Earnings coverage of net charge-offs (x) | 6.7562% | 1,560 |
| Efficiency ratio | 69.2317% | 2,338 |
| Assets per employee ($millions) | 7.7711% | 1,511 |
| Cash dividends to net income (ytd only)* | 88.7333% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,701 |
| Loan loss allowance to noncurrent loans | 68.5381% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 2.2793% | 114 |
| Noncurrent loans to loans | 2.1199% | 329 |
| Net loans and leases to total assets | 66.5669% | 1,356 |
| Net loans and leases to deposits | 73.1289% | 1,684 |
| Net loans and leases to core deposits | 99.9533% | 513 |
| Total domestic deposits to total assets | 91.0269% | 1,020 |
| Equity capital to assets | 8.5852% | 3,094 |
| Core capital (leverage) ratio | 9.5664% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9645% | 1,808 |
| Memoranda: | ||
| Average total assets | $747,029,000 | 1,264 |
| Average earning assets | $696,334,000 | 1,262 |
| Average equity | $69,431,000 | 1,341 |
| Average total loans | $534,239,500 | 1,109 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3918% | 148 |
| Cost of funding earning assets | 0.9867% | 80 |
| Net interest margin | 4.4051% | 329 |
| Noninterest income to average assets | 0.2484% | 3,884 |
| Noninterest expense to average assets | 2.9093% | 1,128 |
| Loan and lease loss provision to assets | 0.2866% | 294 |
| Net operating income to assets | 0.9694% | 2,800 |
| Return on assets (ROA) | 0.9694% | 2,859 |
| Pretax return on assets | 1.1952% | 2,677 |
| Return on Equity (ROE) | 10.2491% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.7598% | 976 |
| Net charge-offs to loans | 0.2485% | 371 |
| Credit loss provision to net charge-offs | 153.9318% | 1,474 |
| Earnings coverage of net charge-offs (x) | 7.9577% | 2,321 |
| Efficiency ratio | 66.2535% | 2,227 |
| Assets per employee ($millions) | 6.8852% | 2,003 |
| Cash dividends to net income (ytd only)* | 4.7741% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 1,940 |
| Loan loss allowance to noncurrent loans | 59.2546% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.6315% | 95 |
| Noncurrent loans to loans | 2.3526% | 298 |
| Net loans and leases to total assets | 74.8474% | 598 |
| Net loans and leases to deposits | 83.4190% | 955 |
| Net loans and leases to core deposits | 123.1597% | 138 |
| Total domestic deposits to total assets | 89.7247% | 1,098 |
| Equity capital to assets | 10.0790% | 2,582 |
| Core capital (leverage) ratio | 10.0705% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9302% | 1,875 |
| Memoranda: | ||
| Average total assets | $723,880,800 | 1,257 |
| Average earning assets | $680,780,400 | 1,246 |
| Average equity | $68,464,800 | 1,377 |
| Average total loans | $542,347,200 | 1,098 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3388% | 189 |
| Cost of funding earning assets | 1.0032% | 83 |
| Net interest margin | 4.3357% | 420 |
| Noninterest income to average assets | 0.2531% | 3,878 |
| Noninterest expense to average assets | 2.9200% | 1,092 |
| Loan and lease loss provision to assets | 0.2841% | 294 |
| Net operating income to assets | 0.9154% | 3,200 |
| Return on assets (ROA) | 0.9154% | 3,268 |
| Pretax return on assets | 1.1367% | 3,114 |
| Return on Equity (ROE) | 9.8356% | 2,793 |
| Retained earnings to average equity (ytd only) | 9.1760% | 1,627 |
| Net charge-offs to loans | 0.2154% | 383 |
| Credit loss provision to net charge-offs | 176.5376% | 1,265 |
| Earnings coverage of net charge-offs (x) | 8.8303% | 2,093 |
| Efficiency ratio | 67.2690% | 1,930 |
| Assets per employee ($millions) | 7.3247% | 1,667 |
| Cash dividends to net income (ytd only)* | 6.7067% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 2,028 |
| Loan loss allowance to noncurrent loans | 58.2532% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.6806% | 113 |
| Noncurrent loans to loans | 2.3995% | 325 |
| Net loans and leases to total assets | 72.4728% | 825 |
| Net loans and leases to deposits | 80.4708% | 1,244 |
| Net loans and leases to core deposits | 122.2574% | 164 |
| Total domestic deposits to total assets | 90.0610% | 750 |
| Equity capital to assets | 9.6486% | 3,251 |
| Core capital (leverage) ratio | 9.7894% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4103% | 2,200 |
| Memoranda: | ||
| Average total assets | $727,557,000 | 1,266 |
| Average earning assets | $685,954,250 | 1,260 |
| Average equity | $67,711,500 | 1,398 |
| Average total loans | $543,358,000 | 1,116 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2892% | 222 |
| Cost of funding earning assets | 1.0247% | 96 |
| Net interest margin | 4.2645% | 520 |
| Noninterest income to average assets | 0.2370% | 3,986 |
| Noninterest expense to average assets | 2.8922% | 1,158 |
| Loan and lease loss provision to assets | 0.2815% | 322 |
| Net operating income to assets | 0.9020% | 3,212 |
| Return on assets (ROA) | 0.9020% | 3,292 |
| Pretax return on assets | 1.0984% | 3,219 |
| Return on Equity (ROE) | 9.8118% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.8112% | 1,772 |
| Net charge-offs to loans | 0.3182% | 267 |
| Credit loss provision to net charge-offs | 117.8161% | 1,273 |
| Earnings coverage of net charge-offs (x) | 5.7759% | 1,981 |
| Efficiency ratio | 67.7015% | 1,913 |
| Assets per employee ($millions) | 7.1669% | 1,681 |
| Cash dividends to net income (ytd only)* | 10.1979% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,457 |
| Loan loss allowance to noncurrent loans | 51.4472% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.7970% | 105 |
| Noncurrent loans to loans | 2.5202% | 327 |
| Net loans and leases to total assets | 73.6320% | 797 |
| Net loans and leases to deposits | 81.6576% | 1,263 |
| Net loans and leases to core deposits | 127.7916% | 147 |
| Total domestic deposits to total assets | 90.1716% | 691 |
| Equity capital to assets | 9.5712% | 3,271 |
| Core capital (leverage) ratio | 9.4819% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1988% | 2,291 |
| Memoranda: | ||
| Average total assets | $728,361,333 | 1,251 |
| Average earning assets | $689,176,333 | 1,242 |
| Average equity | $66,960,000 | 1,404 |
| Average total loans | $546,816,667 | 1,115 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 265 |
| Cost of funding earning assets | 1.0471% | 108 |
| Net interest margin | 4.1735% | 633 |
| Noninterest income to average assets | 0.2604% | 3,837 |
| Noninterest expense to average assets | 2.7693% | 1,436 |
| Loan and lease loss provision to assets | 0.2724% | 359 |
| Net operating income to assets | 1.0210% | 2,747 |
| Return on assets (ROA) | 1.0210% | 2,828 |
| Pretax return on assets | 1.1970% | 2,851 |
| Return on Equity (ROE) | 11.3332% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.3072% | 1,856 |
| Net charge-offs to loans | 0.3675% | 232 |
| Credit loss provision to net charge-offs | 98.4252% | 1,147 |
| Earnings coverage of net charge-offs (x) | 5.3091% | 1,685 |
| Efficiency ratio | 65.3342% | 2,327 |
| Assets per employee ($millions) | 7.8376% | 1,267 |
| Cash dividends to net income (ytd only)* | 17.8762% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,854 |
| Loan loss allowance to noncurrent loans | 36.2342% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.6141% | 143 |
| Noncurrent loans to loans | 3.3531% | 214 |
| Net loans and leases to total assets | 73.1567% | 888 |
| Net loans and leases to deposits | 80.5691% | 1,463 |
| Net loans and leases to core deposits | 127.4550% | 170 |
| Total domestic deposits to total assets | 90.8000% | 474 |
| Equity capital to assets | 8.8215% | 3,862 |
| Core capital (leverage) ratio | 9.1167% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8380% | 2,352 |
| Memoranda: | ||
| Average total assets | $734,196,500 | 1,237 |
| Average earning assets | $699,845,500 | 1,212 |
| Average equity | $66,142,000 | 1,406 |
| Average total loans | $552,902,000 | 1,106 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9836% | 97 |
| Cost of funding earning assets | 1.4239% | 113 |
| Net interest margin | 4.5597% | 290 |
| Noninterest income to average assets | 0.2016% | 4,265 |
| Noninterest expense to average assets | 2.9966% | 1,450 |
| Loan and lease loss provision to assets | 0.4373% | 655 |
| Net operating income to assets | 0.8130% | 3,040 |
| Return on assets (ROA) | 0.8132% | 3,161 |
| Pretax return on assets | 1.0781% | 2,777 |
| Return on Equity (ROE) | 8.2018% | 2,738 |
| Retained earnings to average equity (ytd only) | 7.7897% | 1,118 |
| Net charge-offs to loans | 0.1706% | 974 |
| Credit loss provision to net charge-offs | 318.2346% | 1,673 |
| Earnings coverage of net charge-offs (x) | 11.0267% | 2,420 |
| Efficiency ratio | 66.4167% | 2,463 |
| Assets per employee ($millions) | 7.6168% | 1,209 |
| Cash dividends to net income (ytd only)* | 5.0245% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,770 |
| Loan loss allowance to noncurrent loans | 47.6918% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.0147% | 278 |
| Noncurrent loans to loans | 2.5903% | 383 |
| Net loans and leases to total assets | 75.6748% | 823 |
| Net loans and leases to deposits | 83.6446% | 1,493 |
| Net loans and leases to core deposits | 143.1300% | 109 |
| Total domestic deposits to total assets | 90.4718% | 388 |
| Equity capital to assets | 9.2056% | 3,883 |
| Core capital (leverage) ratio | 9.2958% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5092% | 2,443 |
| Memoranda: | ||
| Average total assets | $626,575,400 | 1,289 |
| Average earning assets | $592,304,000 | 1,275 |
| Average equity | $62,120,600 | 1,410 |
| Average total loans | $504,568,000 | 1,130 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9186% | 121 |
| Cost of funding earning assets | 1.5055% | 120 |
| Net interest margin | 4.4131% | 460 |
| Noninterest income to average assets | 0.2090% | 4,226 |
| Noninterest expense to average assets | 3.0341% | 1,366 |
| Loan and lease loss provision to assets | 0.2627% | 1,548 |
| Net operating income to assets | 0.8450% | 2,927 |
| Return on assets (ROA) | 0.8451% | 3,051 |
| Pretax return on assets | 1.0742% | 2,833 |
| Return on Equity (ROE) | 8.3477% | 2,671 |
| Retained earnings to average equity (ytd only) | 7.7875% | 1,374 |
| Net charge-offs to loans | 0.1832% | 814 |
| Credit loss provision to net charge-offs | 175.5162% | 2,200 |
| Earnings coverage of net charge-offs (x) | 8.9336% | 2,462 |
| Efficiency ratio | 69.4199% | 1,977 |
| Assets per employee ($millions) | 7.2285% | 1,360 |
| Cash dividends to net income (ytd only)* | 6.7102% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,586 |
| Loan loss allowance to noncurrent loans | 59.6275% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 676 |
| Noncurrent loans to loans | 1.7196% | 790 |
| Net loans and leases to total assets | 76.0478% | 1,086 |
| Net loans and leases to deposits | 84.1063% | 1,903 |
| Net loans and leases to core deposits | 159.2289% | 84 |
| Total domestic deposits to total assets | 90.4186% | 304 |
| Equity capital to assets | 9.1708% | 3,976 |
| Core capital (leverage) ratio | 9.3713% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7072% | 2,322 |
| Memoranda: | ||
| Average total assets | $604,224,000 | 1,306 |
| Average earning assets | $569,808,750 | 1,299 |
| Average equity | $61,173,250 | 1,415 |
| Average total loans | $493,561,500 | 1,140 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1129% | 128 |
| Cost of funding earning assets | 1.5865% | 122 |
| Net interest margin | 4.5264% | 476 |
| Noninterest income to average assets | 0.2140% | 4,205 |
| Noninterest expense to average assets | 3.0767% | 1,413 |
| Loan and lease loss provision to assets | 0.2566% | 1,648 |
| Net operating income to assets | 0.8999% | 2,689 |
| Return on assets (ROA) | 0.8999% | 2,813 |
| Pretax return on assets | 1.1340% | 2,601 |
| Return on Equity (ROE) | 8.5683% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.7197% | 1,397 |
| Net charge-offs to loans | 0.1738% | 858 |
| Credit loss provision to net charge-offs | 176.6110% | 2,008 |
| Earnings coverage of net charge-offs (x) | 9.5704% | 2,213 |
| Efficiency ratio | 68.8713% | 2,107 |
| Assets per employee ($millions) | 6.9275% | 1,483 |
| Cash dividends to net income (ytd only)* | 9.9037% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 3,481 |
| Loan loss allowance to noncurrent loans | 285.0355% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 2,853 |
| Noncurrent loans to loans | 0.3573% | 3,119 |
| Net loans and leases to total assets | 76.2809% | 1,090 |
| Net loans and leases to deposits | 84.4472% | 1,948 |
| Net loans and leases to core deposits | 173.0618% | 61 |
| Total domestic deposits to total assets | 90.3297% | 318 |
| Equity capital to assets | 9.2899% | 3,841 |
| Core capital (leverage) ratio | 9.6167% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2002% | 2,102 |
| Memoranda: | ||
| Average total assets | $576,730,667 | 1,337 |
| Average earning assets | $541,934,333 | 1,326 |
| Average equity | $60,572,333 | 1,419 |
| Average total loans | $482,204,333 | 1,146 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6042% | 79 |
| Cost of funding earning assets | 1.6963% | 133 |
| Net interest margin | 4.9079% | 229 |
| Noninterest income to average assets | 0.2614% | 3,975 |
| Noninterest expense to average assets | 3.3190% | 1,187 |
| Loan and lease loss provision to assets | 0.2741% | 1,138 |
| Net operating income to assets | 0.9719% | 2,276 |
| Return on assets (ROA) | 0.9719% | 2,382 |
| Pretax return on assets | 1.2513% | 2,031 |
| Return on Equity (ROE) | 8.6313% | 2,267 |
| Retained earnings to average equity (ytd only) | 6.9170% | 1,569 |
| Net charge-offs to loans | 0.0557% | 1,453 |
| Credit loss provision to net charge-offs | 561.5385% | 821 |
| Earnings coverage of net charge-offs (x) | 31.2462% | 1,150 |
| Efficiency ratio | 68.5116% | 2,583 |
| Assets per employee ($millions) | 5.6204% | 2,004 |
| Cash dividends to net income (ytd only)* | 19.8609% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,293 |
| Loan loss allowance to noncurrent loans | 277.6709% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 2,636 |
| Noncurrent loans to loans | 0.3903% | 3,087 |
| Net loans and leases to total assets | 88.8657% | 55 |
| Net loans and leases to deposits | 100.8178% | 501 |
| Net loans and leases to core deposits | 219.6614% | 32 |
| Total domestic deposits to total assets | 88.1448% | 1,045 |
| Equity capital to assets | 11.3286% | 2,567 |
| Core capital (leverage) ratio | 11.4988% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9136% | 1,937 |
| Memoranda: | ||
| Average total assets | $532,577,500 | 1,393 |
| Average earning assets | $497,317,000 | 1,392 |
| Average equity | $59,968,000 | 1,420 |
| Average total loans | $467,049,000 | 1,154 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5202% | 109 |
| Cost of funding earning assets | 1.7995% | 140 |
| Net interest margin | 4.7207% | 447 |
| Noninterest income to average assets | 0.2735% | 4,041 |
| Noninterest expense to average assets | 3.1529% | 1,634 |
| Loan and lease loss provision to assets | 0.3092% | 529 |
| Net operating income to assets | 0.9983% | 2,857 |
| Return on assets (ROA) | 0.9983% | 2,939 |
| Pretax return on assets | 1.2767% | 2,586 |
| Return on Equity (ROE) | 8.9984% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.5749% | 811 |
| Net charge-offs to loans | 0.0871% | 1,878 |
| Credit loss provision to net charge-offs | 402.7322% | 707 |
| Earnings coverage of net charge-offs (x) | 20.6557% | 1,926 |
| Efficiency ratio | 66.5339% | 2,688 |
| Assets per employee ($millions) | 6.1060% | 1,555 |
| Cash dividends to net income (ytd only)* | 4.7069% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,073 |
| Loan loss allowance to noncurrent loans | 270.4031% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 2,603 |
| Noncurrent loans to loans | 0.3985% | 3,012 |
| Net loans and leases to total assets | 84.6200% | 266 |
| Net loans and leases to deposits | 95.8138% | 962 |
| Net loans and leases to core deposits | 207.4930% | 39 |
| Total domestic deposits to total assets | 88.3171% | 972 |
| Equity capital to assets | 11.1910% | 2,824 |
| Core capital (leverage) ratio | 12.0527% | 1,741 |
| Tier 1 risk-based capital ratio | 14.2620% | 3,135 |
| Total risk-based capital ratio | 15.4368% | 3,083 |
| Memoranda: | ||
| Average total assets | $476,701,600 | 1,481 |
| Average earning assets | $450,907,400 | 1,452 |
| Average equity | $52,887,200 | 1,518 |
| Average total loans | $420,274,600 | 1,217 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5235% | 107 |
| Cost of funding earning assets | 1.8143% | 131 |
| Net interest margin | 4.7092% | 493 |
| Noninterest income to average assets | 0.3184% | 3,840 |
| Noninterest expense to average assets | 3.1418% | 1,605 |
| Loan and lease loss provision to assets | 0.3294% | 421 |
| Net operating income to assets | 1.0239% | 2,890 |
| Return on assets (ROA) | 1.0239% | 2,966 |
| Pretax return on assets | 1.3066% | 2,644 |
| Return on Equity (ROE) | 9.2517% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.6690% | 1,145 |
| Net charge-offs to loans | 0.1049% | 1,422 |
| Credit loss provision to net charge-offs | 353.0864% | 855 |
| Earnings coverage of net charge-offs (x) | 17.5370% | 2,086 |
| Efficiency ratio | 65.7587% | 2,756 |
| Assets per employee ($millions) | 5.8198% | 1,744 |
| Cash dividends to net income (ytd only)* | 6.2992% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,172 |
| Loan loss allowance to noncurrent loans | 216.2289% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 2,119 |
| Noncurrent loans to loans | 0.4951% | 2,811 |
| Net loans and leases to total assets | 87.1452% | 131 |
| Net loans and leases to deposits | 99.5106% | 680 |
| Net loans and leases to core deposits | 209.5153% | 42 |
| Total domestic deposits to total assets | 87.5738% | 1,229 |
| Equity capital to assets | 11.9146% | 2,317 |
| Core capital (leverage) ratio | 12.3377% | 1,664 |
| Tier 1 risk-based capital ratio | 15.3788% | 2,679 |
| Total risk-based capital ratio | 16.5960% | 2,626 |
| Memoranda: | ||
| Average total assets | $463,071,750 | 1,521 |
| Average earning assets | $438,503,250 | 1,495 |
| Average equity | $51,246,750 | 1,566 |
| Average total loans | $411,739,250 | 1,249 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5235% | 109 |
| Cost of funding earning assets | 1.8023% | 127 |
| Net interest margin | 4.7212% | 471 |
| Noninterest income to average assets | 0.3190% | 3,792 |
| Noninterest expense to average assets | 3.1210% | 1,680 |
| Loan and lease loss provision to assets | 0.3582% | 357 |
| Net operating income to assets | 1.0284% | 2,808 |
| Return on assets (ROA) | 1.0284% | 2,889 |
| Pretax return on assets | 1.3162% | 2,496 |
| Return on Equity (ROE) | 9.5556% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.6397% | 1,151 |
| Net charge-offs to loans | 0.0740% | 1,627 |
| Credit loss provision to net charge-offs | 542.6667% | 569 |
| Earnings coverage of net charge-offs (x) | 25.3667% | 1,597 |
| Efficiency ratio | 65.0821% | 2,964 |
| Assets per employee ($millions) | 6.0186% | 1,530 |
| Cash dividends to net income (ytd only)* | 9.5849% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,340 |
| Loan loss allowance to noncurrent loans | 1,048.0000% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 3,436 |
| Noncurrent loans to loans | 0.1001% | 4,229 |
| Net loans and leases to total assets | 86.2131% | 197 |
| Net loans and leases to deposits | 98.0833% | 835 |
| Net loans and leases to core deposits | 226.9474% | 39 |
| Total domestic deposits to total assets | 87.8978% | 1,146 |
| Equity capital to assets | 11.6977% | 2,448 |
| Core capital (leverage) ratio | 12.4431% | 1,566 |
| Tier 1 risk-based capital ratio | 15.0350% | 2,827 |
| Total risk-based capital ratio | 16.2093% | 2,781 |
| Memoranda: | ||
| Average total assets | $454,475,000 | 1,553 |
| Average earning assets | $430,904,670 | 1,524 |
| Average equity | $48,913,670 | 1,629 |
| Average total loans | $405,442,330 | 1,267 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6323% | 103 |
| Cost of funding earning assets | 1.8169% | 94 |
| Net interest margin | 4.8153% | 392 |
| Noninterest income to average assets | 0.2923% | 3,921 |
| Noninterest expense to average assets | 3.1720% | 1,570 |
| Loan and lease loss provision to assets | 0.3644% | 323 |
| Net operating income to assets | 1.0138% | 2,793 |
| Return on assets (ROA) | 1.0138% | 2,839 |
| Pretax return on assets | 1.3234% | 2,367 |
| Return on Equity (ROE) | 9.8981% | 2,409 |
| Retained earnings to average equity (ytd only) | 7.9007% | 1,704 |
| Net charge-offs to loans | 0.0313% | 1,821 |
| Credit loss provision to net charge-offs | 1,287.0968% | 300 |
| Earnings coverage of net charge-offs (x) | 59.6129% | 920 |
| Efficiency ratio | 65.2697% | 3,046 |
| Assets per employee ($millions) | 5.9633% | 1,578 |
| Cash dividends to net income (ytd only)* | 20.1802% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,653 |
| Loan loss allowance to noncurrent loans | 1,058.0153% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 3,620 |
| Noncurrent loans to loans | 0.0951% | 4,320 |
| Net loans and leases to total assets | 87.9128% | 101 |
| Net loans and leases to deposits | 100.4866% | 600 |
| Net loans and leases to core deposits | 214.7809% | 40 |
| Total domestic deposits to total assets | 87.4871% | 1,575 |
| Equity capital to assets | 11.9965% | 2,021 |
| Core capital (leverage) ratio | 12.6465% | 1,433 |
| Tier 1 risk-based capital ratio | 14.8147% | 2,953 |
| Total risk-based capital ratio | 15.9187% | 2,947 |
| Memoranda: | ||
| Average total assets | $437,960,000 | 1,604 |
| Average earning assets | $415,424,000 | 1,573 |
| Average equity | $44,857,000 | 1,739 |
| Average total loans | $395,790,000 | 1,290 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4546% | 92 |
| Cost of funding earning assets | 1.4279% | 123 |
| Net interest margin | 5.0267% | 252 |
| Noninterest income to average assets | 0.4065% | 3,403 |
| Noninterest expense to average assets | 3.3350% | 1,252 |
| Loan and lease loss provision to assets | 0.3745% | 388 |
| Net operating income to assets | 1.1682% | 2,322 |
| Return on assets (ROA) | 1.1682% | 2,314 |
| Pretax return on assets | 1.4591% | 1,919 |
| Return on Equity (ROE) | 14.5287% | 932 |
| Retained earnings to average equity (ytd only) | 11.6563% | 350 |
| Net charge-offs to loans | 0.2424% | 802 |
| Credit loss provision to net charge-offs | 168.0982% | 1,653 |
| Earnings coverage of net charge-offs (x) | 8.2307% | 2,915 |
| Efficiency ratio | 64.5248% | 3,115 |
| Assets per employee ($millions) | 5.7053% | 1,770 |
| Cash dividends to net income (ytd only)* | 19.7707% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,677 |
| Loan loss allowance to noncurrent loans | 645.6559% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 3,846 |
| Noncurrent loans to loans | 0.1551% | 4,042 |
| Net loans and leases to total assets | 91.2202% | 38 |
| Net loans and leases to deposits | 99.8431% | 755 |
| Net loans and leases to core deposits | 191.4273% | 42 |
| Total domestic deposits to total assets | 91.3636% | 139 |
| Equity capital to assets | 8.2559% | 5,060 |
| Core capital (leverage) ratio | 8.5471% | 5,002 |
| Tier 1 risk-based capital ratio | 10.2051% | 5,257 |
| Total risk-based capital ratio | 11.3456% | 5,231 |
| Memoranda: | ||
| Average total assets | $365,846,400 | 1,852 |
| Average earning assets | $346,590,000 | 1,830 |
| Average equity | $29,417,600 | 2,369 |
| Average total loans | $336,195,400 | 1,457 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3998% | 96 |
| Cost of funding earning assets | 1.3392% | 145 |
| Net interest margin | 5.0606% | 232 |
| Noninterest income to average assets | 0.4260% | 3,315 |
| Noninterest expense to average assets | 3.3534% | 1,193 |
| Loan and lease loss provision to assets | 0.4023% | 316 |
| Net operating income to assets | 1.1720% | 2,353 |
| Return on assets (ROA) | 1.1720% | 2,361 |
| Pretax return on assets | 1.4641% | 2,023 |
| Return on Equity (ROE) | 14.6885% | 938 |
| Retained earnings to average equity (ytd only) | 10.7066% | 723 |
| Net charge-offs to loans | 0.2670% | 623 |
| Credit loss provision to net charge-offs | 164.1104% | 1,611 |
| Earnings coverage of net charge-offs (x) | 7.6135% | 2,790 |
| Efficiency ratio | 64.2440% | 3,141 |
| Assets per employee ($millions) | 5.9011% | 1,575 |
| Cash dividends to net income (ytd only)* | 27.1094% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,715 |
| Loan loss allowance to noncurrent loans | 710.7004% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 4,314 |
| Noncurrent loans to loans | 0.1416% | 4,248 |
| Net loans and leases to total assets | 90.8722% | 50 |
| Net loans and leases to deposits | 98.9338% | 866 |
| Net loans and leases to core deposits | 184.0321% | 47 |
| Total domestic deposits to total assets | 91.8515% | 96 |
| Equity capital to assets | 7.6525% | 5,278 |
| Core capital (leverage) ratio | 7.9465% | 5,330 |
| Tier 1 risk-based capital ratio | 9.3743% | 5,444 |
| Total risk-based capital ratio | 10.5061% | 5,444 |
| Memoranda: | ||
| Average total assets | $354,612,250 | 1,908 |
| Average earning assets | $335,919,000 | 1,878 |
| Average equity | $28,293,500 | 2,447 |
| Average total loans | $325,617,500 | 1,505 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2676% | 101 |
| Cost of funding earning assets | 1.2413% | 154 |
| Net interest margin | 5.0264% | 237 |
| Noninterest income to average assets | 0.3982% | 3,504 |
| Noninterest expense to average assets | 3.4027% | 1,133 |
| Loan and lease loss provision to assets | 0.2258% | 721 |
| Net operating income to assets | 1.2513% | 1,975 |
| Return on assets (ROA) | 1.2527% | 1,970 |
| Pretax return on assets | 1.5330% | 1,700 |
| Return on Equity (ROE) | 15.4562% | 767 |
| Retained earnings to average equity (ytd only) | 9.3418% | 1,113 |
| Net charge-offs to loans | 0.0805% | 1,523 |
| Credit loss provision to net charge-offs | 305.5556% | 986 |
| Earnings coverage of net charge-offs (x) | 23.7778% | 1,699 |
| Efficiency ratio | 65.9468% | 2,991 |
| Assets per employee ($millions) | 5.6336% | 1,771 |
| Cash dividends to net income (ytd only)* | 39.5599% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 3,579 |
| Loan loss allowance to noncurrent loans | 714.7239% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 4,330 |
| Noncurrent loans to loans | 0.1459% | 4,246 |
| Net loans and leases to total assets | 90.5782% | 59 |
| Net loans and leases to deposits | 98.8511% | 894 |
| Net loans and leases to core deposits | 171.5706% | 59 |
| Total domestic deposits to total assets | 91.6310% | 132 |
| Equity capital to assets | 7.9949% | 5,225 |
| Core capital (leverage) ratio | 8.4083% | 5,166 |
| Tier 1 risk-based capital ratio | 9.7407% | 5,474 |
| Total risk-based capital ratio | 10.9036% | 5,453 |
| Memoranda: | ||
| Average total assets | $341,025,330 | 1,964 |
| Average earning assets | $323,057,000 | 1,933 |
| Average equity | $27,639,330 | 2,490 |
| Average total loans | $313,177,670 | 1,545 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1066% | 116 |
| Cost of funding earning assets | 1.1715% | 160 |
| Net interest margin | 4.9351% | 255 |
| Noninterest income to average assets | 0.4299% | 3,243 |
| Noninterest expense to average assets | 3.4636% | 1,059 |
| Loan and lease loss provision to assets | 0.2497% | 595 |
| Net operating income to assets | 1.2364% | 1,862 |
| Return on assets (ROA) | 1.2386% | 1,864 |
| Pretax return on assets | 1.3981% | 2,013 |
| Return on Equity (ROE) | 15.1672% | 776 |
| Retained earnings to average equity (ytd only) | 2.5652% | 4,149 |
| Net charge-offs to loans | 0.0966% | 1,210 |
| Credit loss provision to net charge-offs | 280.8219% | 857 |
| Earnings coverage of net charge-offs (x) | 18.5068% | 1,534 |
| Efficiency ratio | 67.7950% | 2,865 |
| Assets per employee ($millions) | 5.6912% | 1,767 |
| Cash dividends to net income (ytd only)* | 83.0875% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,509 |
| Loan loss allowance to noncurrent loans | 564.1541% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 4,193 |
| Noncurrent loans to loans | 0.1911% | 4,107 |
| Net loans and leases to total assets | 92.0293% | 26 |
| Net loans and leases to deposits | 100.8791% | 647 |
| Net loans and leases to core deposits | 165.1897% | 72 |
| Total domestic deposits to total assets | 91.2273% | 246 |
| Equity capital to assets | 8.3855% | 5,057 |
| Core capital (leverage) ratio | 8.6831% | 5,003 |
| Tier 1 risk-based capital ratio | 9.8730% | 5,523 |
| Total risk-based capital ratio | 11.0539% | 5,493 |
| Memoranda: | ||
| Average total assets | $328,446,500 | 2,027 |
| Average earning assets | $311,401,000 | 1,994 |
| Average equity | $26,821,000 | 2,567 |
| Average total loans | $302,178,000 | 1,593 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8916% | 155 |
| Cost of funding earning assets | 0.9723% | 255 |
| Net interest margin | 4.9193% | 274 |
| Noninterest income to average assets | 0.5386% | 2,781 |
| Noninterest expense to average assets | 3.3158% | 1,346 |
| Loan and lease loss provision to assets | 0.1902% | 1,105 |
| Net operating income to assets | 1.0657% | 1,989 |
| Return on assets (ROA) | 1.0659% | 2,014 |
| Pretax return on assets | 1.6951% | 1,018 |
| Return on Equity (ROE) | 12.6362% | 1,045 |
| Retained earnings to average equity (ytd only) | 11.9973% | 177 |
| Net charge-offs to loans | 0.0406% | 2,976 |
| Credit loss provision to net charge-offs | 519.2308% | 599 |
| Earnings coverage of net charge-offs (x) | 51.4519% | 1,066 |
| Efficiency ratio | 63.7293% | 3,640 |
| Assets per employee ($millions) | 5.6335% | 1,810 |
| Cash dividends to net income (ytd only)* | 5.0562% | 4,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,307 |
| Loan loss allowance to noncurrent loans | 527.7325% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,158 |
| Noncurrent loans to loans | 0.2100% | 4,070 |
| Net loans and leases to total assets | 89.9175% | 79 |
| Net loans and leases to deposits | 97.9743% | 905 |
| Net loans and leases to core deposits | 162.8866% | 80 |
| Total domestic deposits to total assets | 91.7767% | 100 |
| Equity capital to assets | 7.9365% | 5,416 |
| Core capital (leverage) ratio | 8.3131% | 5,277 |
| Tier 1 risk-based capital ratio | 9.5622% | 5,598 |
| Total risk-based capital ratio | 10.7760% | 5,581 |
| Memoranda: | ||
| Average total assets | $283,880,400 | 2,264 |
| Average earning assets | $269,045,000 | 2,215 |
| Average equity | $23,947,000 | 2,765 |
| Average total loans | $256,338,800 | 1,776 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 158 |
| Cost of funding earning assets | 0.9385% | 278 |
| Net interest margin | 4.8877% | 280 |
| Noninterest income to average assets | 0.5681% | 2,632 |
| Noninterest expense to average assets | 3.3307% | 1,278 |
| Loan and lease loss provision to assets | 0.1627% | 1,253 |
| Net operating income to assets | 1.0898% | 2,131 |
| Return on assets (ROA) | 1.0902% | 2,188 |
| Pretax return on assets | 1.7083% | 1,100 |
| Return on Equity (ROE) | 12.7035% | 1,121 |
| Retained earnings to average equity (ytd only) | 11.8377% | 310 |
| Net charge-offs to loans | 0.0210% | 3,064 |
| Credit loss provision to net charge-offs | 858.9744% | 411 |
| Earnings coverage of net charge-offs (x) | 98.7667% | 693 |
| Efficiency ratio | 63.9996% | 3,542 |
| Assets per employee ($millions) | 5.6002% | 1,828 |
| Cash dividends to net income (ytd only)* | 6.8150% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,481 |
| Loan loss allowance to noncurrent loans | 852.3416% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,634 |
| Noncurrent loans to loans | 0.1291% | 4,543 |
| Net loans and leases to total assets | 93.7273% | 12 |
| Net loans and leases to deposits | 102.7172% | 564 |
| Net loans and leases to core deposits | 170.2970% | 67 |
| Total domestic deposits to total assets | 91.2479% | 135 |
| Equity capital to assets | 8.3235% | 5,383 |
| Core capital (leverage) ratio | 8.7732% | 5,003 |
| Tier 1 risk-based capital ratio | 9.7111% | 5,649 |
| Total risk-based capital ratio | 10.9273% | 5,628 |
| Memoranda: | ||
| Average total assets | $274,572,500 | 2,334 |
| Average earning assets | $260,268,000 | 2,293 |
| Average equity | $23,562,500 | 2,821 |
| Average total loans | $247,430,750 | 1,838 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6561% | 196 |
| Cost of funding earning assets | 0.9277% | 260 |
| Net interest margin | 4.7284% | 371 |
| Noninterest income to average assets | 0.6258% | 2,342 |
| Noninterest expense to average assets | 3.3688% | 1,232 |
| Loan and lease loss provision to assets | 0.1348% | 1,544 |
| Net operating income to assets | 1.0084% | 2,383 |
| Return on assets (ROA) | 1.0084% | 2,422 |
| Pretax return on assets | 1.5983% | 1,349 |
| Return on Equity (ROE) | 11.6213% | 1,415 |
| Retained earnings to average equity (ytd only) | 10.3012% | 536 |
| Net charge-offs to loans | 0.0068% | 3,216 |
| Credit loss provision to net charge-offs | 2,250.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 289.3750% | 291 |
| Efficiency ratio | 65.9721% | 3,360 |
| Assets per employee ($millions) | 5.7378% | 1,663 |
| Cash dividends to net income (ytd only)* | 11.3586% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 3,078 |
| Loan loss allowance to noncurrent loans | 722.8710% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 4,202 |
| Noncurrent loans to loans | 0.1647% | 4,456 |
| Net loans and leases to total assets | 89.5376% | 90 |
| Net loans and leases to deposits | 98.3144% | 867 |
| Net loans and leases to core deposits | 153.0825% | 109 |
| Total domestic deposits to total assets | 91.0727% | 204 |
| Equity capital to assets | 8.6437% | 5,190 |
| Core capital (leverage) ratio | 8.6537% | 5,087 |
| Tier 1 risk-based capital ratio | 10.7014% | 5,375 |
| Total risk-based capital ratio | 11.9524% | 5,311 |
| Memoranda: | ||
| Average total assets | $267,160,000 | 2,393 |
| Average earning assets | $252,896,670 | 2,361 |
| Average equity | $23,181,670 | 2,862 |
| Average total loans | $236,145,670 | 1,914 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4918% | 228 |
| Cost of funding earning assets | 0.8607% | 357 |
| Net interest margin | 4.6311% | 424 |
| Noninterest income to average assets | 0.6676% | 2,103 |
| Noninterest expense to average assets | 3.3730% | 1,250 |
| Loan and lease loss provision to assets | 0.1369% | 1,392 |
| Net operating income to assets | 1.0158% | 2,240 |
| Return on assets (ROA) | 1.0158% | 2,293 |
| Pretax return on assets | 1.5435% | 1,401 |
| Return on Equity (ROE) | 11.6837% | 1,340 |
| Retained earnings to average equity (ytd only) | 9.0076% | 1,081 |
| Net charge-offs to loans | 0.0227% | 2,314 |
| Credit loss provision to net charge-offs | 692.3077% | 465 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 627 |
| Efficiency ratio | 66.6265% | 3,393 |
| Assets per employee ($millions) | 5.9428% | 1,549 |
| Cash dividends to net income (ytd only)* | 22.9042% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,793 |
| Loan loss allowance to noncurrent loans | 1,049.6350% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 4,513 |
| Noncurrent loans to loans | 0.1195% | 4,712 |
| Net loans and leases to total assets | 81.0399% | 687 |
| Net loans and leases to deposits | 88.8531% | 1,683 |
| Net loans and leases to core deposits | 145.3612% | 130 |
| Total domestic deposits to total assets | 91.2066% | 240 |
| Equity capital to assets | 8.2800% | 5,366 |
| Core capital (leverage) ratio | 9.0327% | 4,695 |
| Tier 1 risk-based capital ratio | 11.4253% | 5,079 |
| Total risk-based capital ratio | 12.6772% | 4,975 |
| Memoranda: | ||
| Average total assets | $263,033,000 | 2,442 |
| Average earning assets | $249,098,000 | 2,404 |
| Average equity | $22,869,500 | 2,906 |
| Average total loans | $229,433,500 | 1,959 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9163% | 136 |
| Cost of funding earning assets | 0.7273% | 710 |
| Net interest margin | 5.1890% | 175 |
| Noninterest income to average assets | 0.6159% | 2,572 |
| Noninterest expense to average assets | 3.5550% | 1,074 |
| Loan and lease loss provision to assets | 0.1584% | 1,567 |
| Net operating income to assets | 1.2001% | 1,513 |
| Return on assets (ROA) | 1.2001% | 1,597 |
| Pretax return on assets | 1.8332% | 732 |
| Return on Equity (ROE) | 13.5946% | 846 |
| Retained earnings to average equity (ytd only) | 12.8471% | 177 |
| Net charge-offs to loans | 0.0779% | 2,572 |
| Credit loss provision to net charge-offs | 222.2222% | 1,288 |
| Earnings coverage of net charge-offs (x) | 27.9444% | 1,492 |
| Efficiency ratio | 64.0942% | 3,921 |
| Assets per employee ($millions) | 5.1407% | 2,243 |
| Cash dividends to net income (ytd only)* | 5.4985% | 4,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 3,005 |
| Loan loss allowance to noncurrent loans | 1,048.3146% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 3,873 |
| Noncurrent loans to loans | 0.1163% | 4,769 |
| Net loans and leases to total assets | 91.9288% | 33 |
| Net loans and leases to deposits | 101.4350% | 572 |
| Net loans and leases to core deposits | 168.1594% | 63 |
| Total domestic deposits to total assets | 90.6283% | 409 |
| Equity capital to assets | 9.1638% | 4,629 |
| Core capital (leverage) ratio | 9.1342% | 4,577 |
| Tier 1 risk-based capital ratio | 11.0618% | 5,310 |
| Total risk-based capital ratio | 12.3133% | 5,199 |
| Memoranda: | ||
| Average total assets | $227,311,200 | 2,688 |
| Average earning assets | $215,996,000 | 2,642 |
| Average equity | $20,066,800 | 3,166 |
| Average total loans | $208,079,800 | 2,057 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 219 |
| Cost of funding earning assets | 0.7067% | 789 |
| Net interest margin | 4.8994% | 306 |
| Noninterest income to average assets | 0.8913% | 1,433 |
| Noninterest expense to average assets | 3.5297% | 1,097 |
| Loan and lease loss provision to assets | 0.1618% | 1,432 |
| Net operating income to assets | 1.2239% | 1,543 |
| Return on assets (ROA) | 1.2239% | 1,643 |
| Pretax return on assets | 1.8664% | 765 |
| Return on Equity (ROE) | 14.0120% | 824 |
| Retained earnings to average equity (ytd only) | 12.9827% | 220 |
| Net charge-offs to loans | 0.0835% | 2,131 |
| Credit loss provision to net charge-offs | 212.5984% | 1,378 |
| Earnings coverage of net charge-offs (x) | 26.6455% | 1,591 |
| Efficiency ratio | 63.5070% | 4,003 |
| Assets per employee ($millions) | 5.2948% | 2,053 |
| Cash dividends to net income (ytd only)* | 7.3459% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,985 |
| Loan loss allowance to noncurrent loans | 888.0259% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 3,739 |
| Noncurrent loans to loans | 0.1403% | 4,782 |
| Net loans and leases to total assets | 89.3144% | 86 |
| Net loans and leases to deposits | 98.4758% | 811 |
| Net loans and leases to core deposits | 157.6736% | 98 |
| Total domestic deposits to total assets | 90.6968% | 276 |
| Equity capital to assets | 9.0022% | 5,175 |
| Core capital (leverage) ratio | 9.1749% | 4,628 |
| Tier 1 risk-based capital ratio | 11.2260% | 5,241 |
| Total risk-based capital ratio | 12.4778% | 5,148 |
| Memoranda: | ||
| Average total assets | $222,450,750 | 2,745 |
| Average earning assets | $211,882,500 | 2,686 |
| Average equity | $19,430,500 | 3,242 |
| Average total loans | $202,690,750 | 2,102 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 212 |
| Cost of funding earning assets | 0.6855% | 860 |
| Net interest margin | 4.9234% | 303 |
| Noninterest income to average assets | 0.9052% | 1,361 |
| Noninterest expense to average assets | 3.5652% | 1,059 |
| Loan and lease loss provision to assets | 0.1671% | 1,339 |
| Net operating income to assets | 1.2293% | 1,504 |
| Return on assets (ROA) | 1.2293% | 1,600 |
| Pretax return on assets | 1.8671% | 749 |
| Return on Equity (ROE) | 14.2376% | 794 |
| Retained earnings to average equity (ytd only) | 12.6246% | 259 |
| Net charge-offs to loans | 0.0305% | 2,863 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 73.0333% | 750 |
| Efficiency ratio | 63.6710% | 4,078 |
| Assets per employee ($millions) | 5.2887% | 1,996 |
| Cash dividends to net income (ytd only)* | 11.3293% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,737 |
| Loan loss allowance to noncurrent loans | 1,066.2791% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 5,066 |
| Noncurrent loans to loans | 0.1228% | 4,953 |
| Net loans and leases to total assets | 89.1351% | 94 |
| Net loans and leases to deposits | 98.3420% | 853 |
| Net loans and leases to core deposits | 145.6898% | 144 |
| Total domestic deposits to total assets | 90.6379% | 280 |
| Equity capital to assets | 9.1138% | 5,150 |
| Core capital (leverage) ratio | 9.5731% | 4,102 |
| Tier 1 risk-based capital ratio | 11.4102% | 5,210 |
| Total risk-based capital ratio | 12.6632% | 5,098 |
| Memoranda: | ||
| Average total assets | $215,413,670 | 2,822 |
| Average earning assets | $205,386,000 | 2,757 |
| Average equity | $18,598,670 | 3,358 |
| Average total loans | $196,827,670 | 2,152 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6311% | 211 |
| Cost of funding earning assets | 0.6783% | 899 |
| Net interest margin | 4.9528% | 277 |
| Noninterest income to average assets | 0.9460% | 1,189 |
| Noninterest expense to average assets | 3.5305% | 1,134 |
| Loan and lease loss provision to assets | 0.1741% | 1,175 |
| Net operating income to assets | 1.2942% | 1,272 |
| Return on assets (ROA) | 1.2942% | 1,353 |
| Pretax return on assets | 1.9597% | 613 |
| Return on Equity (ROE) | 15.4736% | 608 |
| Retained earnings to average equity (ytd only) | 12.0042% | 507 |
| Net charge-offs to loans | 0.0610% | 1,891 |
| Credit loss provision to net charge-offs | 310.3448% | 830 |
| Earnings coverage of net charge-offs (x) | 38.0345% | 1,043 |
| Efficiency ratio | 62.3292% | 4,396 |
| Assets per employee ($millions) | 5.0054% | 2,337 |
| Cash dividends to net income (ytd only)* | 22.4215% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 2,631 |
| Loan loss allowance to noncurrent loans | 8,587.0968% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 5,602 |
| Noncurrent loans to loans | 0.0158% | 5,453 |
| Net loans and leases to total assets | 92.2085% | 28 |
| Net loans and leases to deposits | 101.0267% | 560 |
| Net loans and leases to core deposits | 145.5425% | 131 |
| Total domestic deposits to total assets | 91.2714% | 204 |
| Equity capital to assets | 8.3500% | 5,662 |
| Core capital (leverage) ratio | 8.5225% | 5,373 |
| Tier 1 risk-based capital ratio | 10.2927% | 5,831 |
| Total risk-based capital ratio | 11.5464% | 5,756 |
| Memoranda: | ||
| Average total assets | $206,769,000 | 2,925 |
| Average earning assets | $196,977,500 | 2,858 |
| Average equity | $17,294,000 | 3,542 |
| Average total loans | $190,156,000 | 2,210 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 210 |
| Cost of funding earning assets | 0.6380% | 1,139 |
| Net interest margin | 5.0257% | 239 |
| Noninterest income to average assets | 0.9088% | 1,416 |
| Noninterest expense to average assets | 3.7565% | 910 |
| Loan and lease loss provision to assets | 0.1870% | 1,194 |
| Net operating income to assets | 1.1859% | 1,603 |
| Return on assets (ROA) | 1.1859% | 1,677 |
| Pretax return on assets | 1.7496% | 893 |
| Return on Equity (ROE) | 13.7385% | 902 |
| Retained earnings to average equity (ytd only) | 13.0821% | 199 |
| Net charge-offs to loans | 0.1324% | 2,040 |
| Credit loss provision to net charge-offs | 153.4884% | 1,740 |
| Earnings coverage of net charge-offs (x) | 15.8977% | 2,171 |
| Efficiency ratio | 65.9833% | 3,906 |
| Assets per employee ($millions) | 4.9588% | 2,413 |
| Cash dividends to net income (ytd only)* | 4.7778% | 4,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,353 |
| Loan loss allowance to noncurrent loans | 896.8966% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 5,022 |
| Noncurrent loans to loans | 0.1578% | 4,860 |
| Net loans and leases to total assets | 89.1255% | 86 |
| Net loans and leases to deposits | 97.5011% | 860 |
| Net loans and leases to core deposits | 140.7069% | 155 |
| Total domestic deposits to total assets | 91.4097% | 195 |
| Equity capital to assets | 8.3783% | 5,649 |
| Core capital (leverage) ratio | 8.4387% | 5,485 |
| Tier 1 risk-based capital ratio | 10.7852% | 5,632 |
| Total risk-based capital ratio | 12.0398% | 5,543 |
| Memoranda: | ||
| Average total assets | $176,493,400 | 3,212 |
| Average earning assets | $168,017,200 | 3,147 |
| Average equity | $15,234,600 | 3,799 |
| Average total loans | $162,388,000 | 2,435 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 206 |
| Cost of funding earning assets | 0.6198% | 1,277 |
| Net interest margin | 5.0532% | 227 |
| Noninterest income to average assets | 0.9353% | 1,355 |
| Noninterest expense to average assets | 3.8447% | 795 |
| Loan and lease loss provision to assets | 0.1885% | 1,084 |
| Net operating income to assets | 1.1481% | 1,837 |
| Return on assets (ROA) | 1.1481% | 1,903 |
| Pretax return on assets | 1.7103% | 1,079 |
| Return on Equity (ROE) | 13.1844% | 1,088 |
| Retained earnings to average equity (ytd only) | 12.5531% | 309 |
| Net charge-offs to loans | 0.1180% | 1,941 |
| Credit loss provision to net charge-offs | 172.6619% | 1,514 |
| Earnings coverage of net charge-offs (x) | 17.3956% | 2,057 |
| Efficiency ratio | 66.9401% | 3,724 |
| Assets per employee ($millions) | 4.7434% | 2,633 |
| Cash dividends to net income (ytd only)* | 4.7879% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 2,281 |
| Loan loss allowance to noncurrent loans | 2,373.3945% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 4,947 |
| Noncurrent loans to loans | 0.0619% | 5,368 |
| Net loans and leases to total assets | 89.1702% | 87 |
| Net loans and leases to deposits | 97.6970% | 841 |
| Net loans and leases to core deposits | 140.4180% | 162 |
| Total domestic deposits to total assets | 91.2722% | 190 |
| Equity capital to assets | 8.4492% | 5,735 |
| Core capital (leverage) ratio | 8.8787% | 5,143 |
| Tier 1 risk-based capital ratio | 10.8901% | 5,712 |
| Total risk-based capital ratio | 12.1457% | 5,631 |
| Memoranda: | ||
| Average total assets | $169,789,250 | 3,335 |
| Average earning assets | $161,557,000 | 3,261 |
| Average equity | $14,784,750 | 3,908 |
| Average total loans | $157,034,500 | 2,516 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7273% | 185 |
| Cost of funding earning assets | 0.6210% | 1,280 |
| Net interest margin | 5.1063% | 207 |
| Noninterest income to average assets | 0.9198% | 1,390 |
| Noninterest expense to average assets | 3.8723% | 795 |
| Loan and lease loss provision to assets | 0.1857% | 1,087 |
| Net operating income to assets | 1.1711% | 1,697 |
| Return on assets (ROA) | 1.1711% | 1,770 |
| Pretax return on assets | 1.7170% | 1,049 |
| Return on Equity (ROE) | 13.2906% | 1,060 |
| Retained earnings to average equity (ytd only) | 12.4476% | 355 |
| Net charge-offs to loans | 0.0717% | 2,365 |
| Credit loss provision to net charge-offs | 277.7778% | 976 |
| Earnings coverage of net charge-offs (x) | 28.4630% | 1,419 |
| Efficiency ratio | 67.0525% | 3,829 |
| Assets per employee ($millions) | 4.4180% | 3,115 |
| Cash dividends to net income (ytd only)* | 6.3425% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,970 |
| Loan loss allowance to noncurrent loans | 4,781.4815% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 5,749 |
| Noncurrent loans to loans | 0.0330% | 5,620 |
| Net loans and leases to total assets | 91.0304% | 41 |
| Net loans and leases to deposits | 100.3043% | 634 |
| Net loans and leases to core deposits | 135.6949% | 202 |
| Total domestic deposits to total assets | 90.7543% | 372 |
| Equity capital to assets | 9.0126% | 5,223 |
| Core capital (leverage) ratio | 9.2013% | 4,691 |
| Tier 1 risk-based capital ratio | 11.5885% | 5,411 |
| Total risk-based capital ratio | 12.8465% | 5,321 |
| Memoranda: | ||
| Average total assets | $161,558,670 | 3,466 |
| Average earning assets | $153,615,330 | 3,391 |
| Average equity | $14,235,670 | 4,008 |
| Average total loans | $150,710,670 | 2,606 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 207 |
| Cost of funding earning assets | 0.6230% | 1,283 |
| Net interest margin | 5.0390% | 234 |
| Noninterest income to average assets | 0.8910% | 1,415 |
| Noninterest expense to average assets | 3.7902% | 891 |
| Loan and lease loss provision to assets | 0.1948% | 954 |
| Net operating income to assets | 1.1430% | 1,721 |
| Return on assets (ROA) | 1.1430% | 1,827 |
| Pretax return on assets | 1.6963% | 1,059 |
| Return on Equity (ROE) | 13.1441% | 1,051 |
| Retained earnings to average equity (ytd only) | 12.8454% | 465 |
| Net charge-offs to loans | 0.0776% | 1,928 |
| Credit loss provision to net charge-offs | 267.8571% | 884 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,251 |
| Efficiency ratio | 66.7124% | 4,030 |
| Assets per employee ($millions) | 4.4005% | 3,198 |
| Cash dividends to net income (ytd only)* | 2.2727% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,880 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 5,808 |
| Noncurrent loans to loans | 0.0351% | 5,652 |
| Net loans and leases to total assets | 92.7145% | 18 |
| Net loans and leases to deposits | 102.0642% | 452 |
| Net loans and leases to core deposits | 136.7630% | 180 |
| Total domestic deposits to total assets | 90.8394% | 418 |
| Equity capital to assets | 8.8334% | 5,463 |
| Core capital (leverage) ratio | 8.7406% | 5,274 |
| Tier 1 risk-based capital ratio | 11.4412% | 5,589 |
| Total risk-based capital ratio | 12.7001% | 5,496 |
| Memoranda: | ||
| Average total assets | $153,978,000 | 3,590 |
| Average earning assets | $146,377,500 | 3,531 |
| Average equity | $13,390,000 | 4,170 |
| Average total loans | $144,340,500 | 2,703 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7016% | 224 |
| Cost of funding earning assets | 0.6651% | 1,302 |
| Net interest margin | 5.0365% | 285 |
| Noninterest income to average assets | 0.9458% | 1,361 |
| Noninterest expense to average assets | 3.9239% | 832 |
| Loan and lease loss provision to assets | 0.2522% | 898 |
| Net operating income to assets | 0.9458% | 2,646 |
| Return on assets (ROA) | 0.9458% | 2,740 |
| Pretax return on assets | 1.5020% | 1,537 |
| Return on Equity (ROE) | 10.8383% | 1,770 |
| Retained earnings to average equity (ytd only) | 10.7580% | 407 |
| Net charge-offs to loans | 0.1013% | 3,059 |
| Credit loss provision to net charge-offs | 270.6767% | 946 |
| Earnings coverage of net charge-offs (x) | 18.8271% | 1,819 |
| Efficiency ratio | 69.1055% | 3,689 |
| Assets per employee ($millions) | 4.8106% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.7407% | 4,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,963 |
| Loan loss allowance to noncurrent loans | 4,605.8824% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 5,911 |
| Noncurrent loans to loans | 0.0355% | 5,745 |
| Net loans and leases to total assets | 91.6850% | 32 |
| Net loans and leases to deposits | 100.4863% | 599 |
| Net loans and leases to core deposits | 134.8835% | 201 |
| Total domestic deposits to total assets | 91.2413% | 286 |
| Equity capital to assets | 8.5586% | 5,686 |
| Core capital (leverage) ratio | 8.6251% | 5,417 |
| Tier 1 risk-based capital ratio | 11.6973% | 5,550 |
| Total risk-based capital ratio | 12.9580% | 5,451 |
| Memoranda: | ||
| Average total assets | $142,741,200 | 3,744 |
| Average earning assets | $134,121,400 | 3,696 |
| Average equity | $12,455,800 | 4,282 |
| Average total loans | $131,298,600 | 2,845 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7008% | 227 |
| Cost of funding earning assets | 0.6705% | 1,315 |
| Net interest margin | 5.0303% | 282 |
| Noninterest income to average assets | 0.9023% | 1,511 |
| Noninterest expense to average assets | 3.9263% | 816 |
| Loan and lease loss provision to assets | 0.2572% | 830 |
| Net operating income to assets | 0.8861% | 2,979 |
| Return on assets (ROA) | 0.8861% | 3,084 |
| Pretax return on assets | 1.4291% | 1,891 |
| Return on Equity (ROE) | 10.1008% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.9922% | 712 |
| Net charge-offs to loans | 0.1206% | 2,606 |
| Credit loss provision to net charge-offs | 232.7586% | 1,118 |
| Earnings coverage of net charge-offs (x) | 15.2589% | 2,067 |
| Efficiency ratio | 69.9542% | 3,516 |
| Assets per employee ($millions) | 4.5232% | 2,928 |
| Cash dividends to net income (ytd only)* | 1.0750% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 2,084 |
| Loan loss allowance to noncurrent loans | 12,650.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 4,581 |
| Noncurrent loans to loans | 0.0132% | 5,979 |
| Net loans and leases to total assets | 90.1538% | 51 |
| Net loans and leases to deposits | 98.8373% | 681 |
| Net loans and leases to core deposits | 135.6970% | 179 |
| Total domestic deposits to total assets | 91.2143% | 300 |
| Equity capital to assets | 8.5452% | 5,765 |
| Core capital (leverage) ratio | 8.8956% | 5,201 |
| Tier 1 risk-based capital ratio | 11.6721% | 5,685 |
| Total risk-based capital ratio | 12.9322% | 5,601 |
| Memoranda: | ||
| Average total assets | $139,942,000 | 3,829 |
| Average earning assets | $131,043,000 | 3,768 |
| Average equity | $12,276,000 | 4,329 |
| Average total loans | $128,251,500 | 2,909 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7268% | 211 |
| Cost of funding earning assets | 0.6800% | 1,310 |
| Net interest margin | 5.0468% | 260 |
| Noninterest income to average assets | 0.8872% | 1,534 |
| Noninterest expense to average assets | 4.0048% | 756 |
| Loan and lease loss provision to assets | 0.2631% | 799 |
| Net operating income to assets | 0.8010% | 3,330 |
| Return on assets (ROA) | 0.8010% | 3,433 |
| Pretax return on assets | 1.3272% | 2,162 |
| Return on Equity (ROE) | 9.0456% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.0456% | 973 |
| Net charge-offs to loans | 0.1388% | 2,281 |
| Credit loss provision to net charge-offs | 206.8966% | 1,133 |
| Earnings coverage of net charge-offs (x) | 12.5057% | 2,053 |
| Efficiency ratio | 71.5778% | 3,417 |
| Assets per employee ($millions) | 4.3126% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 1,976 |
| Loan loss allowance to noncurrent loans | 3,887.7193% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 4,489 |
| Noncurrent loans to loans | 0.0450% | 5,917 |
| Net loans and leases to total assets | 90.1675% | 45 |
| Net loans and leases to deposits | 99.2898% | 591 |
| Net loans and leases to core deposits | 126.3998% | 265 |
| Total domestic deposits to total assets | 90.8125% | 468 |
| Equity capital to assets | 8.9731% | 5,324 |
| Core capital (leverage) ratio | 8.9771% | 5,052 |
| Tier 1 risk-based capital ratio | 12.3826% | 5,312 |
| Total risk-based capital ratio | 13.6446% | 5,228 |
| Memoranda: | ||
| Average total assets | $136,834,330 | 3,907 |
| Average earning assets | $127,645,000 | 3,858 |
| Average equity | $12,116,330 | 4,374 |
| Average total loans | $125,387,000 | 2,960 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7049% | 220 |
| Cost of funding earning assets | 0.6819% | 1,350 |
| Net interest margin | 5.0229% | 259 |
| Noninterest income to average assets | 1.0158% | 1,098 |
| Noninterest expense to average assets | 3.9398% | 813 |
| Loan and lease loss provision to assets | 0.2642% | 793 |
| Net operating income to assets | 0.8690% | 2,801 |
| Return on assets (ROA) | 0.8690% | 2,868 |
| Pretax return on assets | 1.4826% | 1,479 |
| Return on Equity (ROE) | 9.8807% | 2,089 |
| Retained earnings to average equity (ytd only) | 9.8807% | 996 |
| Net charge-offs to loans | 0.0192% | 3,202 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 99.1667% | 462 |
| Efficiency ratio | 69.2824% | 3,949 |
| Assets per employee ($millions) | 4.0375% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 2,271 |
| Loan loss allowance to noncurrent loans | 10,031.8182% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 4,493 |
| Noncurrent loans to loans | 0.0172% | 6,116 |
| Net loans and leases to total assets | 91.5812% | 24 |
| Net loans and leases to deposits | 100.8398% | 404 |
| Net loans and leases to core deposits | 130.1412% | 186 |
| Total domestic deposits to total assets | 90.8185% | 635 |
| Equity capital to assets | 8.8369% | 5,288 |
| Core capital (leverage) ratio | 8.8330% | 5,224 |
| Tier 1 risk-based capital ratio | 12.0389% | 5,620 |
| Total risk-based capital ratio | 13.3003% | 5,542 |
| Memoranda: | ||
| Average total assets | $136,250,500 | 3,950 |
| Average earning assets | $126,699,000 | 3,908 |
| Average equity | $11,983,000 | 4,425 |
| Average total loans | $124,756,000 | 2,976 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 231 |
| Cost of funding earning assets | 0.7140% | 1,716 |
| Net interest margin | 5.0809% | 270 |
| Noninterest income to average assets | 0.7321% | 2,372 |
| Noninterest expense to average assets | 3.8465% | 1,061 |
| Loan and lease loss provision to assets | 0.4020% | 742 |
| Net operating income to assets | 0.8324% | 3,120 |
| Return on assets (ROA) | 0.8324% | 3,208 |
| Pretax return on assets | 1.2406% | 2,413 |
| Return on Equity (ROE) | 9.6581% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.6581% | 632 |
| Net charge-offs to loans | -0.0152% | 6,091 |
| Credit loss provision to net charge-offs | -2,916.6667% | 6,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0753% | 3,826 |
| Assets per employee ($millions) | 4.0977% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 2,252 |
| Loan loss allowance to noncurrent loans | 23,588.8889% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 4,575 |
| Noncurrent loans to loans | 0.0074% | 6,275 |
| Net loans and leases to total assets | 88.3439% | 77 |
| Net loans and leases to deposits | 97.0636% | 660 |
| Net loans and leases to core deposits | 121.8128% | 302 |
| Total domestic deposits to total assets | 91.0165% | 561 |
| Equity capital to assets | 8.7521% | 5,305 |
| Core capital (leverage) ratio | 8.8078% | 5,266 |
| Tier 1 risk-based capital ratio | 12.3954% | 5,356 |
| Total risk-based capital ratio | 13.6575% | 5,290 |
| Memoranda: | ||
| Average total assets | $130,585,200 | 4,060 |
| Average earning assets | $122,261,200 | 4,008 |
| Average equity | $11,254,800 | 4,588 |
| Average total loans | $118,637,800 | 3,066 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8166% | 232 |
| Cost of funding earning assets | 0.7180% | 1,822 |
| Net interest margin | 5.0986% | 258 |
| Noninterest income to average assets | 0.7201% | 2,508 |
| Noninterest expense to average assets | 3.8456% | 1,030 |
| Loan and lease loss provision to assets | 0.4636% | 604 |
| Net operating income to assets | 0.7675% | 3,523 |
| Return on assets (ROA) | 0.7675% | 3,651 |
| Pretax return on assets | 1.1950% | 2,716 |
| Return on Equity (ROE) | 8.9409% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.9409% | 1,073 |
| Net charge-offs to loans | -0.0430% | 6,264 |
| Credit loss provision to net charge-offs | -1,184.2105% | 6,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8671% | 3,775 |
| Assets per employee ($millions) | 4.1568% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 2,433 |
| Loan loss allowance to noncurrent loans | 280.9783% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 4,793 |
| Noncurrent loans to loans | 0.6251% | 4,642 |
| Net loans and leases to total assets | 86.9670% | 111 |
| Net loans and leases to deposits | 95.4731% | 729 |
| Net loans and leases to core deposits | 122.4036% | 287 |
| Total domestic deposits to total assets | 91.0905% | 495 |
| Equity capital to assets | 8.6403% | 5,578 |
| Core capital (leverage) ratio | 8.7494% | 5,476 |
| Tier 1 risk-based capital ratio | 12.3966% | 5,518 |
| Total risk-based capital ratio | 13.6586% | 5,445 |
| Memoranda: | ||
| Average total assets | $129,425,250 | 4,130 |
| Average earning assets | $121,442,750 | 4,062 |
| Average equity | $11,109,750 | 4,666 |
| Average total loans | $117,900,750 | 3,102 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8355% | 228 |
| Cost of funding earning assets | 0.7255% | 1,880 |
| Net interest margin | 5.1100% | 251 |
| Noninterest income to average assets | 0.7019% | 2,627 |
| Noninterest expense to average assets | 3.8790% | 1,006 |
| Loan and lease loss provision to assets | 0.4679% | 607 |
| Net operating income to assets | 0.7440% | 3,599 |
| Return on assets (ROA) | 0.7440% | 3,753 |
| Pretax return on assets | 1.1448% | 2,908 |
| Return on Equity (ROE) | 8.6869% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.6869% | 1,229 |
| Net charge-offs to loans | -0.0950% | 6,489 |
| Credit loss provision to net charge-offs | -535.7143% | 5,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6333% | 3,704 |
| Assets per employee ($millions) | 4.1835% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,058 |
| Loan loss allowance to noncurrent loans | 19,360.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 6,484 |
| Noncurrent loans to loans | 0.0084% | 6,413 |
| Net loans and leases to total assets | 90.1803% | 37 |
| Net loans and leases to deposits | 98.9944% | 480 |
| Net loans and leases to core deposits | 131.7676% | 174 |
| Total domestic deposits to total assets | 91.0963% | 511 |
| Equity capital to assets | 8.6554% | 5,605 |
| Core capital (leverage) ratio | 8.6413% | 5,497 |
| Tier 1 risk-based capital ratio | 11.8356% | 5,894 |
| Total risk-based capital ratio | 13.0956% | 5,839 |
| Memoranda: | ||
| Average total assets | $128,228,330 | 4,181 |
| Average earning assets | $120,195,670 | 4,117 |
| Average equity | $10,982,000 | 4,726 |
| Average total loans | $117,951,670 | 3,109 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8345% | 220 |
| Cost of funding earning assets | 0.7243% | 2,029 |
| Net interest margin | 5.1102% | 233 |
| Noninterest income to average assets | 0.7341% | 2,407 |
| Noninterest expense to average assets | 3.9624% | 926 |
| Loan and lease loss provision to assets | 0.4706% | 583 |
| Net operating income to assets | 0.7028% | 3,672 |
| Return on assets (ROA) | 0.7028% | 3,814 |
| Pretax return on assets | 1.0824% | 3,023 |
| Return on Equity (ROE) | 8.2501% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.2501% | 1,661 |
| Net charge-offs to loans | 0.1090% | 2,785 |
| Credit loss provision to net charge-offs | 468.7500% | 562 |
| Earnings coverage of net charge-offs (x) | 15.4688% | 1,399 |
| Efficiency ratio | 71.8430% | 3,645 |
| Assets per employee ($millions) | 4.3166% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 4,086 |
| Loan loss allowance to noncurrent loans | 15,436.3636% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,603 |
| Noncurrent loans to loans | 0.0093% | 6,481 |
| Net loans and leases to total assets | 90.3712% | 33 |
| Net loans and leases to deposits | 99.0629% | 389 |
| Net loans and leases to core deposits | 125.3218% | 214 |
| Total domestic deposits to total assets | 91.2261% | 436 |
| Equity capital to assets | 8.4736% | 6,044 |
| Core capital (leverage) ratio | 8.6662% | 5,370 |
| Tier 1 risk-based capital ratio | 11.4707% | 6,202 |
| Total risk-based capital ratio | 12.7272% | 6,172 |
| Memoranda: | ||
| Average total assets | $127,498,500 | 4,231 |
| Average earning assets | $119,290,000 | 4,170 |
| Average equity | $10,860,500 | 4,795 |
| Average total loans | $117,483,000 | 3,135 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9336% | 296 |
| Cost of funding earning assets | 0.8355% | 2,386 |
| Net interest margin | 5.0980% | 324 |
| Noninterest income to average assets | 0.7764% | 2,359 |
| Noninterest expense to average assets | 4.0557% | 912 |
| Loan and lease loss provision to assets | 0.4685% | 1,329 |
| Net operating income to assets | 0.6591% | 3,941 |
| Return on assets (ROA) | 0.6591% | 4,208 |
| Pretax return on assets | 1.0046% | 3,537 |
| Return on Equity (ROE) | 7.8454% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.8454% | 1,174 |
| Net charge-offs to loans | 0.1686% | 4,026 |
| Credit loss provision to net charge-offs | 304.2328% | 797 |
| Earnings coverage of net charge-offs (x) | 9.5661% | 2,256 |
| Efficiency ratio | 73.3569% | 3,181 |
| Assets per employee ($millions) | 3.9219% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 4,355 |
| Loan loss allowance to noncurrent loans | 14,363.6364% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 5,982 |
| Noncurrent loans to loans | 0.0095% | 6,547 |
| Net loans and leases to total assets | 91.3625% | 26 |
| Net loans and leases to deposits | 100.4459% | 396 |
| Net loans and leases to core deposits | 130.9054% | 180 |
| Total domestic deposits to total assets | 90.9570% | 511 |
| Equity capital to assets | 8.5641% | 5,996 |
| Core capital (leverage) ratio | 8.6078% | 5,450 |
| Tier 1 risk-based capital ratio | 11.5323% | 6,077 |
| Total risk-based capital ratio | 12.7877% | 6,039 |
| Memoranda: | ||
| Average total assets | $122,739,800 | 4,294 |
| Average earning assets | $114,416,400 | 4,238 |
| Average equity | $10,311,800 | 4,914 |
| Average total loans | $112,079,200 | 3,250 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8968% | 336 |
| Cost of funding earning assets | 0.8553% | 2,499 |
| Net interest margin | 5.0415% | 375 |
| Noninterest income to average assets | 0.7800% | 2,332 |
| Noninterest expense to average assets | 4.1250% | 799 |
| Loan and lease loss provision to assets | 0.4643% | 1,335 |
| Net operating income to assets | 0.5986% | 4,405 |
| Return on assets (ROA) | 0.5986% | 4,667 |
| Pretax return on assets | 0.8980% | 4,107 |
| Return on Equity (ROE) | 7.1613% | 3,717 |
| Retained earnings to average equity (ytd only) | 7.1613% | 2,028 |
| Net charge-offs to loans | 0.1057% | 4,338 |
| Credit loss provision to net charge-offs | 482.9545% | 557 |
| Earnings coverage of net charge-offs (x) | 14.1705% | 1,859 |
| Efficiency ratio | 75.1742% | 2,794 |
| Assets per employee ($millions) | 3.7506% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 4,620 |
| Loan loss allowance to noncurrent loans | 1,265.2893% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 5,515 |
| Noncurrent loans to loans | 0.1061% | 6,351 |
| Net loans and leases to total assets | 90.9299% | 33 |
| Net loans and leases to deposits | 99.8155% | 449 |
| Net loans and leases to core deposits | 132.0958% | 176 |
| Total domestic deposits to total assets | 91.0979% | 391 |
| Equity capital to assets | 8.4730% | 6,290 |
| Core capital (leverage) ratio | 8.4939% | 5,761 |
| Tier 1 risk-based capital ratio | 11.2686% | 6,373 |
| Total risk-based capital ratio | 12.5236% | 6,336 |
| Memoranda: | ||
| Average total assets | $122,049,750 | 4,349 |
| Average earning assets | $113,957,750 | 4,288 |
| Average equity | $10,202,750 | 4,980 |
| Average total loans | $111,039,000 | 3,305 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 350 |
| Cost of funding earning assets | 0.8822% | 2,542 |
| Net interest margin | 5.0073% | 398 |
| Noninterest income to average assets | 0.7969% | 2,197 |
| Noninterest expense to average assets | 4.1259% | 810 |
| Loan and lease loss provision to assets | 0.4939% | 1,289 |
| Net operating income to assets | 0.5565% | 4,556 |
| Return on assets (ROA) | 0.5565% | 4,834 |
| Pretax return on assets | 0.8495% | 4,281 |
| Return on Equity (ROE) | 6.6878% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.6878% | 2,280 |
| Net charge-offs to loans | 0.1745% | 3,553 |
| Credit loss provision to net charge-offs | 312.5000% | 941 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,285 |
| Efficiency ratio | 75.4365% | 2,835 |
| Assets per employee ($millions) | 3.9143% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,131 |
| Loan loss allowance to noncurrent loans | 450.9677% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 5,562 |
| Noncurrent loans to loans | 0.2765% | 6,022 |
| Net loans and leases to total assets | 88.3839% | 70 |
| Net loans and leases to deposits | 96.6434% | 591 |
| Net loans and leases to core deposits | 127.6853% | 228 |
| Total domestic deposits to total assets | 91.4536% | 319 |
| Equity capital to assets | 8.2047% | 6,444 |
| Core capital (leverage) ratio | 8.2851% | 5,936 |
| Tier 1 risk-based capital ratio | 11.1600% | 6,424 |
| Total risk-based capital ratio | 12.4131% | 6,400 |
| Memoranda: | ||
| Average total assets | $121,476,670 | 4,392 |
| Average earning assets | $113,354,000 | 4,325 |
| Average equity | $10,108,000 | 5,011 |
| Average total loans | $110,027,330 | 3,332 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9048% | 355 |
| Cost of funding earning assets | 0.9010% | 2,681 |
| Net interest margin | 5.0038% | 397 |
| Noninterest income to average assets | 0.8663% | 1,883 |
| Noninterest expense to average assets | 4.1677% | 771 |
| Loan and lease loss provision to assets | 0.5017% | 1,212 |
| Net operating income to assets | 0.5653% | 4,516 |
| Return on assets (ROA) | 0.5653% | 4,740 |
| Pretax return on assets | 0.8596% | 4,193 |
| Return on Equity (ROE) | 6.7442% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.7442% | 2,555 |
| Net charge-offs to loans | 0.2899% | 2,510 |
| Credit loss provision to net charge-offs | 189.8734% | 1,388 |
| Earnings coverage of net charge-offs (x) | 5.1519% | 2,428 |
| Efficiency ratio | 75.3781% | 2,870 |
| Assets per employee ($millions) | 3.7996% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 5,758 |
| Loan loss allowance to noncurrent loans | 626.2376% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 5,483 |
| Noncurrent loans to loans | 0.1819% | 6,319 |
| Net loans and leases to total assets | 90.2867% | 36 |
| Net loans and leases to deposits | 98.8510% | 413 |
| Net loans and leases to core deposits | 141.5515% | 140 |
| Total domestic deposits to total assets | 91.3362% | 429 |
| Equity capital to assets | 8.3135% | 6,263 |
| Core capital (leverage) ratio | 8.3711% | 5,775 |
| Tier 1 risk-based capital ratio | 11.1430% | 6,474 |
| Total risk-based capital ratio | 12.3953% | 6,458 |
| Memoranda: | ||
| Average total assets | $119,586,500 | 4,457 |
| Average earning assets | $111,434,500 | 4,404 |
| Average equity | $10,023,500 | 5,034 |
| Average total loans | $108,988,500 | 3,378 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 414 |
| Cost of funding earning assets | 1.0076% | 3,320 |
| Net interest margin | 5.0199% | 403 |
| Noninterest income to average assets | 0.6461% | 2,914 |
| Noninterest expense to average assets | 4.1702% | 839 |
| Loan and lease loss provision to assets | 0.3969% | 2,611 |
| Net operating income to assets | 0.4808% | 4,505 |
| Return on assets (ROA) | 0.4808% | 4,715 |
| Pretax return on assets | 0.7396% | 4,194 |
| Return on Equity (ROE) | 5.6897% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.6897% | 2,179 |
| Net charge-offs to loans | 0.2365% | 4,297 |
| Credit loss provision to net charge-offs | 186.0656% | 1,389 |
| Earnings coverage of net charge-offs (x) | 5.3279% | 2,830 |
| Efficiency ratio | 78.5832% | 2,513 |
| Assets per employee ($millions) | 3.6746% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 5,758 |
| Loan loss allowance to noncurrent loans | 218.6813% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 5,249 |
| Noncurrent loans to loans | 0.5106% | 5,688 |
| Net loans and leases to total assets | 89.9266% | 41 |
| Net loans and leases to deposits | 98.5930% | 523 |
| Net loans and leases to core deposits | 140.8147% | 169 |
| Total domestic deposits to total assets | 91.2099% | 424 |
| Equity capital to assets | 8.4525% | 6,202 |
| Core capital (leverage) ratio | 8.4097% | 5,702 |
| Tier 1 risk-based capital ratio | 11.3164% | 6,283 |
| Total risk-based capital ratio | 12.5677% | 6,265 |
| Memoranda: | ||
| Average total assets | $114,384,000 | 4,540 |
| Average earning assets | $106,198,200 | 4,500 |
| Average equity | $9,666,600 | 5,104 |
| Average total loans | $103,189,000 | 3,541 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0297% | 432 |
| Cost of funding earning assets | 1.0286% | 3,478 |
| Net interest margin | 5.0011% | 410 |
| Noninterest income to average assets | 0.6691% | 2,776 |
| Noninterest expense to average assets | 4.2165% | 784 |
| Loan and lease loss provision to assets | 0.3568% | 2,730 |
| Net operating income to assets | 0.4860% | 4,600 |
| Return on assets (ROA) | 0.4860% | 4,795 |
| Pretax return on assets | 0.7360% | 4,358 |
| Return on Equity (ROE) | 5.7508% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.7508% | 2,707 |
| Net charge-offs to loans | 0.4290% | 3,000 |
| Credit loss provision to net charge-offs | 92.4012% | 3,691 |
| Earnings coverage of net charge-offs (x) | 2.8298% | 3,726 |
| Efficiency ratio | 79.4163% | 2,345 |
| Assets per employee ($millions) | 3.6004% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 6,559 |
| Loan loss allowance to noncurrent loans | 208.4783% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 5,561 |
| Noncurrent loans to loans | 0.4385% | 5,964 |
| Net loans and leases to total assets | 87.4786% | 92 |
| Net loans and leases to deposits | 95.7600% | 714 |
| Net loans and leases to core deposits | 141.6813% | 174 |
| Total domestic deposits to total assets | 91.3520% | 333 |
| Equity capital to assets | 8.2508% | 6,527 |
| Core capital (leverage) ratio | 8.4517% | 5,776 |
| Tier 1 risk-based capital ratio | 11.2808% | 6,380 |
| Total risk-based capital ratio | 12.3843% | 6,451 |
| Memoranda: | ||
| Average total assets | $113,583,250 | 4,589 |
| Average earning assets | $105,387,500 | 4,542 |
| Average equity | $9,598,500 | 5,158 |
| Average total loans | $102,252,250 | 3,592 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0330% | 451 |
| Cost of funding earning assets | 1.0629% | 3,527 |
| Net interest margin | 4.9700% | 414 |
| Noninterest income to average assets | 0.6974% | 2,569 |
| Noninterest expense to average assets | 4.2668% | 775 |
| Loan and lease loss provision to assets | 0.2754% | 3,178 |
| Net operating income to assets | 0.5043% | 4,483 |
| Return on assets (ROA) | 0.5043% | 4,624 |
| Pretax return on assets | 0.7707% | 4,138 |
| Return on Equity (ROE) | 5.9179% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.9179% | 2,481 |
| Net charge-offs to loans | 0.3295% | 3,241 |
| Credit loss provision to net charge-offs | 92.2156% | 3,399 |
| Earnings coverage of net charge-offs (x) | 3.5030% | 3,151 |
| Efficiency ratio | 80.3097% | 2,339 |
| Assets per employee ($millions) | 3.5137% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 6,476 |
| Loan loss allowance to noncurrent loans | 256.2005% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 5,616 |
| Noncurrent loans to loans | 0.3754% | 6,152 |
| Net loans and leases to total assets | 88.9309% | 61 |
| Net loans and leases to deposits | 97.6733% | 609 |
| Net loans and leases to core deposits | 135.6886% | 215 |
| Total domestic deposits to total assets | 91.0494% | 482 |
| Equity capital to assets | 8.6011% | 6,054 |
| Core capital (leverage) ratio | 8.4728% | 5,600 |
| Tier 1 risk-based capital ratio | 11.6369% | 6,069 |
| Total risk-based capital ratio | 12.8053% | 6,117 |
| Memoranda: | ||
| Average total assets | $111,840,000 | 4,664 |
| Average earning assets | $103,862,670 | 4,607 |
| Average equity | $9,530,330 | 5,176 |
| Average total loans | $101,371,330 | 3,649 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9615% | 516 |
| Cost of funding earning assets | 1.0944% | 3,562 |
| Net interest margin | 4.8671% | 497 |
| Noninterest income to average assets | 0.7280% | 2,402 |
| Noninterest expense to average assets | 4.2460% | 778 |
| Loan and lease loss provision to assets | 0.2259% | 3,399 |
| Net operating income to assets | 0.5092% | 4,457 |
| Return on assets (ROA) | 0.5092% | 4,536 |
| Pretax return on assets | 0.7854% | 3,953 |
| Return on Equity (ROE) | 6.0042% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.0042% | 2,630 |
| Net charge-offs to loans | 0.2284% | 3,170 |
| Credit loss provision to net charge-offs | 108.6207% | 2,454 |
| Earnings coverage of net charge-offs (x) | 4.8621% | 2,384 |
| Efficiency ratio | 80.7640% | 2,401 |
| Assets per employee ($millions) | 3.5050% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 6,510 |
| Loan loss allowance to noncurrent loans | 696.4789% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 6,246 |
| Noncurrent loans to loans | 0.1381% | 6,697 |
| Net loans and leases to total assets | 90.7702% | 30 |
| Net loans and leases to deposits | 99.5395% | 497 |
| Net loans and leases to core deposits | 141.1418% | 188 |
| Total domestic deposits to total assets | 91.1902% | 536 |
| Equity capital to assets | 8.4978% | 5,911 |
| Core capital (leverage) ratio | 8.4447% | 5,553 |
| Tier 1 risk-based capital ratio | 11.2629% | 6,297 |
| Total risk-based capital ratio | 12.4316% | 6,339 |
| Memoranda: | ||
| Average total assets | $111,540,500 | 4,698 |
| Average earning assets | $103,799,000 | 4,640 |
| Average equity | $9,460,000 | 5,191 |
| Average total loans | $101,575,000 | 3,683 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4047% | 374 |
| Cost of funding earning assets | 1.3096% | 3,819 |
| Net interest margin | 5.0951% | 359 |
| Noninterest income to average assets | 0.7032% | 2,826 |
| Noninterest expense to average assets | 4.0834% | 1,045 |
| Loan and lease loss provision to assets | 0.2280% | 4,995 |
| Net operating income to assets | 0.7415% | 3,035 |
| Return on assets (ROA) | 0.7415% | 3,163 |
| Pretax return on assets | 1.1328% | 2,452 |
| Return on Equity (ROE) | 9.0115% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.0115% | 695 |
| Net charge-offs to loans | 0.2529% | 4,772 |
| Credit loss provision to net charge-offs | 99.6016% | 4,643 |
| Earnings coverage of net charge-offs (x) | 5.9442% | 2,488 |
| Efficiency ratio | 75.0042% | 3,206 |
| Assets per employee ($millions) | 3.5781% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 6,457 |
| Loan loss allowance to noncurrent loans | 993.9394% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 6,324 |
| Noncurrent loans to loans | 0.0987% | 6,889 |
| Net loans and leases to total assets | 89.5855% | 66 |
| Net loans and leases to deposits | 98.2616% | 693 |
| Net loans and leases to core deposits | 137.1131% | 249 |
| Total domestic deposits to total assets | 91.1704% | 525 |
| Equity capital to assets | 8.4645% | 5,900 |
| Core capital (leverage) ratio | 8.2383% | 5,772 |
| Tier 1 risk-based capital ratio | 11.3346% | 6,055 |
| Total risk-based capital ratio | 12.5225% | 6,097 |
| Memoranda: | ||
| Average total assets | $109,638,600 | 4,724 |
| Average earning assets | $102,019,200 | 4,672 |
| Average equity | $9,021,800 | 5,419 |
| Average total loans | $99,231,600 | 3,819 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4133% | 400 |
| Cost of funding earning assets | 1.3451% | 3,940 |
| Net interest margin | 5.0683% | 378 |
| Noninterest income to average assets | 0.7233% | 2,688 |
| Noninterest expense to average assets | 4.0297% | 1,018 |
| Loan and lease loss provision to assets | 0.1586% | 5,459 |
| Net operating income to assets | 0.8245% | 2,899 |
| Return on assets (ROA) | 0.8245% | 3,047 |
| Pretax return on assets | 1.2501% | 2,331 |
| Return on Equity (ROE) | 10.0931% | 2,091 |
| Retained earnings to average equity (ytd only) | 10.0931% | 770 |
| Net charge-offs to loans | 0.2789% | 4,274 |
| Credit loss provision to net charge-offs | 62.8019% | 5,621 |
| Earnings coverage of net charge-offs (x) | 5.5798% | 2,716 |
| Efficiency ratio | 74.0973% | 3,315 |
| Assets per employee ($millions) | 3.6944% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 6,692 |
| Loan loss allowance to noncurrent loans | 1,080.9524% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 6,488 |
| Noncurrent loans to loans | 0.0847% | 7,023 |
| Net loans and leases to total assets | 88.7027% | 88 |
| Net loans and leases to deposits | 97.1846% | 865 |
| Net loans and leases to core deposits | 135.2283% | 312 |
| Total domestic deposits to total assets | 91.2724% | 363 |
| Equity capital to assets | 8.3478% | 6,455 |
| Core capital (leverage) ratio | 8.3851% | 5,726 |
| Tier 1 risk-based capital ratio | 11.3292% | 6,074 |
| Total risk-based capital ratio | 12.4411% | 6,199 |
| Memoranda: | ||
| Average total assets | $109,317,750 | 4,789 |
| Average earning assets | $101,702,250 | 4,735 |
| Average equity | $8,930,000 | 5,512 |
| Average total loans | $98,951,000 | 3,891 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4460% | 379 |
| Cost of funding earning assets | 1.3980% | 3,889 |
| Net interest margin | 5.0481% | 378 |
| Noninterest income to average assets | 0.7536% | 2,373 |
| Noninterest expense to average assets | 4.0197% | 1,016 |
| Loan and lease loss provision to assets | 0.1195% | 5,703 |
| Net operating income to assets | 0.8675% | 2,668 |
| Return on assets (ROA) | 0.8675% | 2,800 |
| Pretax return on assets | 1.3068% | 2,062 |
| Return on Equity (ROE) | 10.6997% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.6997% | 712 |
| Net charge-offs to loans | 0.3156% | 3,740 |
| Credit loss provision to net charge-offs | 41.6667% | 5,585 |
| Earnings coverage of net charge-offs (x) | 4.9744% | 2,792 |
| Efficiency ratio | 73.8103% | 3,505 |
| Assets per employee ($millions) | 3.7087% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 6,740 |
| Loan loss allowance to noncurrent loans | 569.4268% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 6,335 |
| Noncurrent loans to loans | 0.1590% | 6,946 |
| Net loans and leases to total assets | 90.9792% | 45 |
| Net loans and leases to deposits | 99.6588% | 753 |
| Net loans and leases to core deposits | 130.9258% | 407 |
| Total domestic deposits to total assets | 91.2907% | 390 |
| Equity capital to assets | 8.4127% | 6,282 |
| Core capital (leverage) ratio | 8.3252% | 5,712 |
| Tier 1 risk-based capital ratio | 11.1580% | 6,087 |
| Total risk-based capital ratio | 12.2605% | 6,215 |
| Memoranda: | ||
| Average total assets | $108,813,000 | 4,837 |
| Average earning assets | $101,147,670 | 4,772 |
| Average equity | $8,822,670 | 5,554 |
| Average total loans | $98,861,670 | 3,933 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4346% | 405 |
| Cost of funding earning assets | 1.4308% | 3,987 |
| Net interest margin | 5.0038% | 413 |
| Noninterest income to average assets | 0.8699% | 1,735 |
| Noninterest expense to average assets | 3.9948% | 1,043 |
| Loan and lease loss provision to assets | 0.0548% | 6,110 |
| Net operating income to assets | 0.9795% | 2,259 |
| Return on assets (ROA) | 0.9795% | 2,318 |
| Pretax return on assets | 1.4729% | 1,586 |
| Return on Equity (ROE) | 12.3077% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.3077% | 707 |
| Net charge-offs to loans | 0.5742% | 2,369 |
| Credit loss provision to net charge-offs | 10.5634% | 5,038 |
| Earnings coverage of net charge-offs (x) | 2.9437% | 3,080 |
| Efficiency ratio | 72.3362% | 3,870 |
| Assets per employee ($millions) | 3.8324% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 6,879 |
| Loan loss allowance to noncurrent loans | 1,046.3415% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 6,537 |
| Noncurrent loans to loans | 0.0847% | 7,179 |
| Net loans and leases to total assets | 89.4069% | 86 |
| Net loans and leases to deposits | 97.7583% | 930 |
| Net loans and leases to core deposits | 125.1063% | 609 |
| Total domestic deposits to total assets | 91.4571% | 387 |
| Equity capital to assets | 8.2419% | 6,379 |
| Core capital (leverage) ratio | 8.0082% | 6,230 |
| Tier 1 risk-based capital ratio | 11.0816% | 6,087 |
| Total risk-based capital ratio | 12.1567% | 6,226 |
| Memoranda: | ||
| Average total assets | $109,443,500 | 4,885 |
| Average earning assets | $101,762,500 | 4,824 |
| Average equity | $8,710,000 | 5,624 |
| Average total loans | $98,920,500 | 3,989 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7403% | 423 |
| Cost of funding earning assets | 1.9866% | 3,021 |
| Net interest margin | 4.7537% | 757 |
| Noninterest income to average assets | 0.6720% | 3,142 |
| Noninterest expense to average assets | 3.8479% | 1,608 |
| Loan and lease loss provision to assets | 0.2758% | 5,204 |
| Net operating income to assets | 0.6453% | 3,156 |
| Return on assets (ROA) | 0.6453% | 3,214 |
| Pretax return on assets | 0.9827% | 2,650 |
| Return on Equity (ROE) | 8.8838% | 2,064 |
| Retained earnings to average equity (ytd only) | 8.8838% | 513 |
| Net charge-offs to loans | 0.1072% | 6,080 |
| Credit loss provision to net charge-offs | 288.4615% | 1,165 |
| Earnings coverage of net charge-offs (x) | 13.1635% | 1,448 |
| Efficiency ratio | 75.3555% | 3,642 |
| Assets per employee ($millions) | 3.9850% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,510 |
| Loan loss allowance to noncurrent loans | 1,158.8235% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 6,275 |
| Noncurrent loans to loans | 0.0841% | 7,204 |
| Net loans and leases to total assets | 89.6739% | 96 |
| Net loans and leases to deposits | 97.5909% | 1,149 |
| Net loans and leases to core deposits | 119.5862% | 1,980 |
| Total domestic deposits to total assets | 91.8875% | 280 |
| Equity capital to assets | 7.6859% | 6,872 |
| Core capital (leverage) ratio | 7.5372% | 6,754 |
| Tier 1 risk-based capital ratio | 10.3290% | 6,558 |
| Total risk-based capital ratio | 11.5154% | 6,596 |
| Memoranda: | ||
| Average total assets | $108,786,200 | 4,854 |
| Average earning assets | $101,479,200 | 4,799 |
| Average equity | $7,902,000 | 5,957 |
| Average total loans | $97,039,600 | 4,033 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7899% | 429 |
| Cost of funding earning assets | 2.0515% | 3,114 |
| Net interest margin | 4.7384% | 779 |
| Noninterest income to average assets | 0.6834% | 3,133 |
| Noninterest expense to average assets | 3.8819% | 1,458 |
| Loan and lease loss provision to assets | 0.2960% | 4,604 |
| Net operating income to assets | 0.6353% | 3,474 |
| Return on assets (ROA) | 0.6353% | 3,542 |
| Pretax return on assets | 0.9301% | 3,129 |
| Return on Equity (ROE) | 8.8789% | 2,309 |
| Retained earnings to average equity (ytd only) | 8.8789% | 874 |
| Net charge-offs to loans | 0.1208% | 5,490 |
| Credit loss provision to net charge-offs | 275.8621% | 1,533 |
| Earnings coverage of net charge-offs (x) | 11.4250% | 1,854 |
| Efficiency ratio | 75.9961% | 3,519 |
| Assets per employee ($millions) | 3.8700% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,555 |
| Loan loss allowance to noncurrent loans | 192.2449% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 6,362 |
| Noncurrent loans to loans | 0.4933% | 6,330 |
| Net loans and leases to total assets | 87.6727% | 221 |
| Net loans and leases to deposits | 95.2545% | 1,676 |
| Net loans and leases to core deposits | 118.2914% | 2,390 |
| Total domestic deposits to total assets | 92.0405% | 169 |
| Equity capital to assets | 7.4748% | 7,313 |
| Core capital (leverage) ratio | 7.6345% | 6,821 |
| Tier 1 risk-based capital ratio | 10.2667% | 6,717 |
| Total risk-based capital ratio | 11.4195% | 6,750 |
| Memoranda: | ||
| Average total assets | $108,087,500 | 4,912 |
| Average earning assets | $100,932,000 | 4,843 |
| Average equity | $7,733,500 | 6,073 |
| Average total loans | $96,038,500 | 4,081 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8905% | 389 |
| Cost of funding earning assets | 2.1380% | 3,098 |
| Net interest margin | 4.7526% | 726 |
| Noninterest income to average assets | 0.6822% | 3,100 |
| Noninterest expense to average assets | 3.9810% | 1,343 |
| Loan and lease loss provision to assets | 0.3374% | 3,919 |
| Net operating income to assets | 0.5323% | 3,974 |
| Return on assets (ROA) | 0.5323% | 4,083 |
| Pretax return on assets | 0.7928% | 3,695 |
| Return on Equity (ROE) | 7.5582% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.5582% | 1,372 |
| Net charge-offs to loans | 0.0885% | 5,307 |
| Credit loss provision to net charge-offs | 428.5714% | 1,077 |
| Earnings coverage of net charge-offs (x) | 14.3571% | 1,661 |
| Efficiency ratio | 77.8878% | 3,367 |
| Assets per employee ($millions) | 3.8567% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 6,514 |
| Loan loss allowance to noncurrent loans | 1,782.6923% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 7,300 |
| Noncurrent loans to loans | 0.0537% | 7,401 |
| Net loans and leases to total assets | 88.7486% | 203 |
| Net loans and leases to deposits | 96.0329% | 1,794 |
| Net loans and leases to core deposits | 120.0378% | 2,367 |
| Total domestic deposits to total assets | 92.4148% | 155 |
| Equity capital to assets | 7.0925% | 7,554 |
| Core capital (leverage) ratio | 7.1363% | 7,421 |
| Tier 1 risk-based capital ratio | 9.5928% | 7,317 |
| Total risk-based capital ratio | 10.7539% | 7,343 |
| Memoranda: | ||
| Average total assets | $106,706,330 | 4,971 |
| Average earning assets | $99,440,670 | 4,903 |
| Average equity | $7,515,000 | 6,175 |
| Average total loans | $94,938,670 | 4,144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9071% | 401 |
| Cost of funding earning assets | 2.2888% | 2,750 |
| Net interest margin | 4.6183% | 912 |
| Noninterest income to average assets | 0.7467% | 2,622 |
| Noninterest expense to average assets | 3.9259% | 1,275 |
| Loan and lease loss provision to assets | 0.3394% | 3,290 |
| Net operating income to assets | 0.5204% | 4,338 |
| Return on assets (ROA) | 0.5204% | 4,523 |
| Pretax return on assets | 0.7731% | 4,179 |
| Return on Equity (ROE) | 7.4164% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.4164% | 2,051 |
| Net charge-offs to loans | 0.0851% | 4,314 |
| Credit loss provision to net charge-offs | 450.0000% | 1,178 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,645 |
| Efficiency ratio | 77.9192% | 3,176 |
| Assets per employee ($millions) | 3.6826% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 6,737 |
| Loan loss allowance to noncurrent loans | 1,455.9322% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 7,147 |
| Noncurrent loans to loans | 0.0620% | 7,355 |
| Net loans and leases to total assets | 88.3552% | 236 |
| Net loans and leases to deposits | 95.4944% | 2,029 |
| Net loans and leases to core deposits | 117.8738% | 2,610 |
| Total domestic deposits to total assets | 92.5239% | 118 |
| Equity capital to assets | 7.0341% | 7,663 |
| Core capital (leverage) ratio | 6.9391% | 7,673 |
| Tier 1 risk-based capital ratio | 9.5498% | 7,387 |
| Total risk-based capital ratio | 10.6419% | 7,474 |
| Memoranda: | ||
| Average total assets | $106,066,000 | 5,005 |
| Average earning assets | $98,565,000 | 4,956 |
| Average equity | $7,443,000 | 6,246 |
| Average total loans | $94,026,000 | 4,211 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5564% | 371 |
| Cost of funding earning assets | 2.9142% | 2,200 |
| Net interest margin | 4.6421% | 1,070 |
| Noninterest income to average assets | 0.7096% | 3,056 |
| Noninterest expense to average assets | 4.1813% | 1,167 |
| Loan and lease loss provision to assets | 0.5512% | 2,616 |
| Net operating income to assets | 0.1764% | 5,922 |
| Return on assets (ROA) | 0.1764% | 5,750 |
| Pretax return on assets | 0.2636% | 5,592 |
| Return on Equity (ROE) | 2.3832% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.3832% | 3,717 |
| Net charge-offs to loans | 0.4170% | 2,735 |
| Credit loss provision to net charge-offs | 151.9337% | 3,451 |
| Earnings coverage of net charge-offs (x) | 2.2459% | 4,957 |
| Efficiency ratio | 83.6911% | 2,092 |
| Assets per employee ($millions) | 3.3980% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 6,904 |
| Loan loss allowance to noncurrent loans | 464.1176% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 6,773 |
| Noncurrent loans to loans | 0.1831% | 6,840 |
| Net loans and leases to total assets | 87.3816% | 427 |
| Net loans and leases to deposits | 99.5533% | 1,895 |
| Net loans and leases to core deposits | 148.0601% | 937 |
| Total domestic deposits to total assets | 87.7736% | 1,566 |
| Equity capital to assets | 7.0003% | 7,741 |
| Core capital (leverage) ratio | 7.1934% | 7,525 |
| Tier 1 risk-based capital ratio | 9.6201% | 7,187 |
| Total risk-based capital ratio | 10.6494% | 7,335 |
| Memoranda: | ||
| Average total assets | $99,778,200 | 5,056 |
| Average earning assets | $92,134,400 | 5,026 |
| Average equity | $7,385,000 | 6,321 |
| Average total loans | $86,818,800 | 4,313 |