Home > The First National Bank of Sycamore > Performance and Condition Ratios
The First National Bank of Sycamore, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 3,539 |
| Cost of funding earning assets | 1.2606% | 2,630 |
| Net interest margin | 2.9843% | 3,318 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.2450% | 2,994 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6945% | 3,211 |
| Return on assets (ROA) | 0.6156% | 3,387 |
| Pretax return on assets | 0.6617% | 3,517 |
| Return on Equity (ROE) | 9.1900% | 2,707 |
| Retained earnings to average equity (ytd only) | 6.0645% | 2,215 |
| Net charge-offs to loans | -0.0026% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.1935% | 1,435 |
| Assets per employee ($millions) | 6.9888% | 2,081 |
| Cash dividends to net income (ytd only)* | 34.0239% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,028 |
| Loan loss allowance to noncurrent loans | 2,708.3333% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,563 |
| Noncurrent loans to loans | 0.0391% | 3,442 |
| Net loans and leases to total assets | 57.8900% | 3,046 |
| Net loans and leases to deposits | 70.3698% | 2,863 |
| Net loans and leases to core deposits | 83.0222% | 2,521 |
| Total domestic deposits to total assets | 82.2700% | 3,073 |
| Equity capital to assets | 7.3208% | 3,809 |
| Core capital (leverage) ratio | 9.1481% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0084% | 1,276 |
| Memoranda: | ||
| Average total assets | $203,873,200 | 2,967 |
| Average earning assets | $189,359,400 | 2,953 |
| Average equity | $13,653,200 | 3,371 |
| Average total loans | $114,057,400 | 3,004 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 3,557 |
| Cost of funding earning assets | 1.1227% | 2,676 |
| Net interest margin | 3.0286% | 3,283 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.2612% | 2,912 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7215% | 3,252 |
| Return on assets (ROA) | 0.6126% | 3,503 |
| Pretax return on assets | 0.6494% | 3,647 |
| Return on Equity (ROE) | 9.3700% | 2,832 |
| Retained earnings to average equity (ytd only) | 9.3729% | 1,583 |
| Net charge-offs to loans | -0.0036% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.9871% | 1,360 |
| Assets per employee ($millions) | 6.8086% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 2,899 |
| Loan loss allowance to noncurrent loans | 2,656.2500% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,583 |
| Noncurrent loans to loans | 0.0411% | 3,469 |
| Net loans and leases to total assets | 56.5000% | 3,156 |
| Net loans and leases to deposits | 65.8949% | 3,136 |
| Net loans and leases to core deposits | 74.3795% | 2,971 |
| Total domestic deposits to total assets | 85.7400% | 2,273 |
| Equity capital to assets | 5.9860% | 3,992 |
| Core capital (leverage) ratio | 9.4330% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2931% | 1,246 |
| Memoranda: | ||
| Average total assets | $202,425,500 | 2,977 |
| Average earning assets | $187,759,250 | 2,971 |
| Average equity | $13,229,250 | 3,398 |
| Average total loans | $111,902,750 | 3,038 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 3,607 |
| Cost of funding earning assets | 0.9900% | 2,637 |
| Net interest margin | 3.0491% | 3,320 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.2793% | 2,872 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7133% | 3,318 |
| Return on assets (ROA) | 0.6630% | 3,432 |
| Pretax return on assets | 0.7056% | 3,591 |
| Return on Equity (ROE) | 9.8600% | 2,750 |
| Retained earnings to average equity (ytd only) | 9.8648% | 1,445 |
| Net charge-offs to loans | -0.0036% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.2894% | 1,317 |
| Assets per employee ($millions) | 6.6075% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 2,842 |
| Loan loss allowance to noncurrent loans | 2,622.9167% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,570 |
| Noncurrent loans to loans | 0.0427% | 3,419 |
| Net loans and leases to total assets | 54.2400% | 3,255 |
| Net loans and leases to deposits | 66.8419% | 3,008 |
| Net loans and leases to core deposits | 73.5821% | 2,918 |
| Total domestic deposits to total assets | 81.1400% | 3,404 |
| Equity capital to assets | 6.7485% | 3,899 |
| Core capital (leverage) ratio | 9.3420% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5222% | 1,212 |
| Memoranda: | ||
| Average total assets | $201,814,333 | 2,990 |
| Average earning assets | $187,267,333 | 2,980 |
| Average equity | $13,563,333 | 3,389 |
| Average total loans | $110,310,333 | 3,054 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 3,619 |
| Cost of funding earning assets | 0.8448% | 2,554 |
| Net interest margin | 3.0818% | 3,391 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.2765% | 2,880 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7389% | 3,374 |
| Return on assets (ROA) | 0.6770% | 3,469 |
| Pretax return on assets | 0.7209% | 3,619 |
| Return on Equity (ROE) | 10.0900% | 2,760 |
| Retained earnings to average equity (ytd only) | 10.0942% | 1,675 |
| Net charge-offs to loans | -0.0037% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.5959% | 1,379 |
| Assets per employee ($millions) | 6.8869% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,872 |
| Loan loss allowance to noncurrent loans | 2,589.5833% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,553 |
| Noncurrent loans to loans | 0.0439% | 3,424 |
| Net loans and leases to total assets | 54.1500% | 3,192 |
| Net loans and leases to deposits | 63.8112% | 3,107 |
| Net loans and leases to core deposits | 68.5070% | 3,055 |
| Total domestic deposits to total assets | 84.8500% | 2,893 |
| Equity capital to assets | 6.8391% | 3,890 |
| Core capital (leverage) ratio | 9.3397% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7475% | 1,201 |
| Memoranda: | ||
| Average total assets | $200,306,000 | 3,038 |
| Average earning assets | $185,604,500 | 3,024 |
| Average equity | $13,433,500 | 3,436 |
| Average total loans | $109,287,000 | 3,100 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 3,101 |
| Cost of funding earning assets | 0.3124% | 2,775 |
| Net interest margin | 3.1777% | 2,935 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.3535% | 2,570 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7938% | 3,347 |
| Return on assets (ROA) | 0.7428% | 3,438 |
| Pretax return on assets | 0.7762% | 3,679 |
| Return on Equity (ROE) | 9.6100% | 2,939 |
| Retained earnings to average equity (ytd only) | 6.7618% | 2,337 |
| Net charge-offs to loans | -0.0041% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.7625% | 1,238 |
| Assets per employee ($millions) | 6.9273% | 2,022 |
| Cash dividends to net income (ytd only)* | 29.6140% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 2,765 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 53.7400% | 3,222 |
| Net loans and leases to deposits | 67.0269% | 2,811 |
| Net loans and leases to core deposits | 71.9201% | 2,730 |
| Total domestic deposits to total assets | 80.1800% | 3,852 |
| Equity capital to assets | 6.5746% | 3,870 |
| Core capital (leverage) ratio | 9.1678% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5493% | 1,222 |
| Memoranda: | ||
| Average total assets | $191,843,200 | 3,090 |
| Average earning assets | $178,588,800 | 3,076 |
| Average equity | $14,833,400 | 3,381 |
| Average total loans | $96,957,000 | 3,195 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3786% | 2,973 |
| Cost of funding earning assets | 0.2006% | 3,264 |
| Net interest margin | 3.1779% | 2,692 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.3680% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7879% | 3,309 |
| Return on assets (ROA) | 0.7785% | 3,281 |
| Pretax return on assets | 0.8207% | 3,526 |
| Return on Equity (ROE) | 9.6800% | 2,819 |
| Retained earnings to average equity (ytd only) | 9.6850% | 1,435 |
| Net charge-offs to loans | -0.0043% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.0325% | 1,272 |
| Assets per employee ($millions) | 6.3059% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,586 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 51.4800% | 3,339 |
| Net loans and leases to deposits | 59.3585% | 3,254 |
| Net loans and leases to core deposits | 61.5197% | 3,269 |
| Total domestic deposits to total assets | 86.7300% | 2,845 |
| Equity capital to assets | 5.8793% | 4,008 |
| Core capital (leverage) ratio | 9.5041% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3432% | 1,113 |
| Memoranda: | ||
| Average total assets | $189,580,750 | 3,133 |
| Average earning assets | $176,756,000 | 3,113 |
| Average equity | $15,239,750 | 3,387 |
| Average total loans | $93,898,250 | 3,247 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 2,829 |
| Cost of funding earning assets | 0.1940% | 2,989 |
| Net interest margin | 3.0778% | 2,609 |
| Noninterest income to average assets | 0.2420% | 3,723 |
| Noninterest expense to average assets | 2.3570% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7260% | 3,221 |
| Return on assets (ROA) | 0.7260% | 3,176 |
| Pretax return on assets | 0.7601% | 3,426 |
| Return on Equity (ROE) | 8.2602% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.2602% | 1,527 |
| Net charge-offs to loans | -0.0022% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6156% | 1,321 |
| Assets per employee ($millions) | 6.0636% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,538 |
| Loan loss allowance to noncurrent loans | 40,300.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,065 |
| Noncurrent loans to loans | 0.0031% | 3,984 |
| Net loans and leases to total assets | 51.6808% | 3,192 |
| Net loans and leases to deposits | 56.5326% | 3,339 |
| Net loans and leases to core deposits | 58.7838% | 3,366 |
| Total domestic deposits to total assets | 91.4178% | 1,055 |
| Equity capital to assets | 6.6516% | 3,952 |
| Core capital (leverage) ratio | 9.4811% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6611% | 1,041 |
| Memoranda: | ||
| Average total assets | $187,613,333 | 3,177 |
| Average earning assets | $175,254,333 | 3,169 |
| Average equity | $16,488,667 | 3,358 |
| Average total loans | $91,249,333 | 3,310 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1919% | 2,714 |
| Cost of funding earning assets | 0.2096% | 2,673 |
| Net interest margin | 2.9823% | 2,560 |
| Noninterest income to average assets | 0.2433% | 3,687 |
| Noninterest expense to average assets | 2.3155% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6914% | 3,091 |
| Return on assets (ROA) | 0.6914% | 3,080 |
| Pretax return on assets | 0.7213% | 3,330 |
| Return on Equity (ROE) | 7.0124% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.0124% | 1,891 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2474% | 1,494 |
| Assets per employee ($millions) | 6.1161% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 45.0506% | 3,651 |
| Net loans and leases to deposits | 50.3125% | 3,710 |
| Net loans and leases to core deposits | 52.9853% | 3,663 |
| Total domestic deposits to total assets | 89.5416% | 1,792 |
| Equity capital to assets | 8.8761% | 2,814 |
| Core capital (leverage) ratio | 9.6538% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2049% | 877 |
| Memoranda: | ||
| Average total assets | $187,434,500 | 3,188 |
| Average earning assets | $175,568,500 | 3,180 |
| Average equity | $18,481,500 | 3,282 |
| Average total loans | $87,697,000 | 3,363 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 2,558 |
| Cost of funding earning assets | 0.3461% | 1,970 |
| Net interest margin | 3.1883% | 2,632 |
| Noninterest income to average assets | 0.3087% | 3,555 |
| Noninterest expense to average assets | 2.3365% | 2,697 |
| Loan and lease loss provision to assets | 0.0161% | 2,755 |
| Net operating income to assets | 0.8582% | 3,161 |
| Return on assets (ROA) | 0.8391% | 3,285 |
| Pretax return on assets | 0.9181% | 3,461 |
| Return on Equity (ROE) | 7.9222% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.1604% | 1,856 |
| Net charge-offs to loans | 0.0159% | 1,991 |
| Credit loss provision to net charge-offs | 214.2857% | 1,271 |
| Earnings coverage of net charge-offs (x) | 126.8571% | 748 |
| Efficiency ratio | 70.9804% | 1,618 |
| Assets per employee ($millions) | 5.9765% | 2,798 |
| Cash dividends to net income (ytd only)* | 9.6154% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 2,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.2621% | 3,573 |
| Net loans and leases to deposits | 54.1539% | 3,590 |
| Net loans and leases to core deposits | 58.4997% | 3,433 |
| Total domestic deposits to total assets | 87.2738% | 2,401 |
| Equity capital to assets | 10.8673% | 1,887 |
| Core capital (leverage) ratio | 9.4310% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1997% | 864 |
| Memoranda: | ||
| Average total assets | $185,917,600 | 3,158 |
| Average earning assets | $173,948,200 | 3,139 |
| Average equity | $19,691,600 | 3,242 |
| Average total loans | $88,282,200 | 3,361 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 2,576 |
| Cost of funding earning assets | 0.3723% | 1,914 |
| Net interest margin | 3.2222% | 2,666 |
| Noninterest income to average assets | 0.3174% | 3,529 |
| Noninterest expense to average assets | 2.2427% | 2,916 |
| Loan and lease loss provision to assets | 0.0215% | 2,562 |
| Net operating income to assets | 0.9581% | 3,053 |
| Return on assets (ROA) | 0.9329% | 3,218 |
| Pretax return on assets | 1.0390% | 3,352 |
| Return on Equity (ROE) | 8.8655% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.8655% | 1,750 |
| Net charge-offs to loans | 0.0242% | 1,558 |
| Credit loss provision to net charge-offs | 187.5000% | 1,239 |
| Earnings coverage of net charge-offs (x) | 94.9375% | 895 |
| Efficiency ratio | 67.3263% | 1,928 |
| Assets per employee ($millions) | 6.2774% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 2,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.2287% | 3,938 |
| Net loans and leases to deposits | 51.9167% | 3,892 |
| Net loans and leases to core deposits | 57.9589% | 3,632 |
| Total domestic deposits to total assets | 85.1917% | 3,050 |
| Equity capital to assets | 10.4692% | 2,474 |
| Core capital (leverage) ratio | 9.3871% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4730% | 888 |
| Memoranda: | ||
| Average total assets | $186,079,250 | 3,192 |
| Average earning assets | $174,036,500 | 3,176 |
| Average equity | $19,581,000 | 3,293 |
| Average total loans | $88,160,000 | 3,408 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 2,649 |
| Cost of funding earning assets | 0.3983% | 1,896 |
| Net interest margin | 3.1936% | 2,772 |
| Noninterest income to average assets | 0.3089% | 3,581 |
| Noninterest expense to average assets | 2.2321% | 2,974 |
| Loan and lease loss provision to assets | 0.0327% | 2,326 |
| Net operating income to assets | 0.9245% | 3,145 |
| Return on assets (ROA) | 0.9245% | 3,226 |
| Pretax return on assets | 1.0282% | 3,378 |
| Return on Equity (ROE) | 8.7695% | 3,173 |
| Retained earnings to average equity (ytd only) | 8.7695% | 1,794 |
| Net charge-offs to loans | 0.0497% | 1,127 |
| Credit loss provision to net charge-offs | 136.3636% | 1,201 |
| Earnings coverage of net charge-offs (x) | 44.1818% | 1,117 |
| Efficiency ratio | 67.7826% | 1,905 |
| Assets per employee ($millions) | 6.1324% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 46.5884% | 3,862 |
| Net loans and leases to deposits | 54.7214% | 3,815 |
| Net loans and leases to core deposits | 61.4764% | 3,509 |
| Total domestic deposits to total assets | 85.1375% | 3,039 |
| Equity capital to assets | 10.3896% | 2,498 |
| Core capital (leverage) ratio | 9.2209% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8514% | 986 |
| Memoranda: | ||
| Average total assets | $183,239,000 | 3,223 |
| Average earning assets | $171,216,333 | 3,208 |
| Average equity | $19,317,000 | 3,300 |
| Average total loans | $88,455,000 | 3,422 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4153% | 3,151 |
| Cost of funding earning assets | 0.4272% | 1,880 |
| Net interest margin | 2.9880% | 3,290 |
| Noninterest income to average assets | 0.3448% | 3,369 |
| Noninterest expense to average assets | 2.2402% | 2,975 |
| Loan and lease loss provision to assets | 0.0667% | 1,813 |
| Net operating income to assets | 0.7630% | 3,539 |
| Return on assets (ROA) | 0.7630% | 3,607 |
| Pretax return on assets | 0.8231% | 3,767 |
| Return on Equity (ROE) | 7.1832% | 3,556 |
| Retained earnings to average equity (ytd only) | 7.1832% | 2,515 |
| Net charge-offs to loans | 0.1048% | 662 |
| Credit loss provision to net charge-offs | 130.4348% | 1,018 |
| Earnings coverage of net charge-offs (x) | 17.3913% | 1,300 |
| Efficiency ratio | 71.5707% | 1,541 |
| Assets per employee ($millions) | 5.9606% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.5299% | 3,923 |
| Net loans and leases to deposits | 54.4693% | 3,909 |
| Net loans and leases to core deposits | 61.1784% | 3,631 |
| Total domestic deposits to total assets | 85.4241% | 2,953 |
| Equity capital to assets | 10.0959% | 2,618 |
| Core capital (leverage) ratio | 9.4887% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0777% | 916 |
| Memoranda: | ||
| Average total assets | $179,807,000 | 3,251 |
| Average earning assets | $167,601,000 | 3,235 |
| Average equity | $19,100,000 | 3,320 |
| Average total loans | $87,799,500 | 3,443 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7234% | 3,517 |
| Cost of funding earning assets | 0.6586% | 1,940 |
| Net interest margin | 3.0648% | 3,712 |
| Noninterest income to average assets | 0.3239% | 3,524 |
| Noninterest expense to average assets | 2.4592% | 2,961 |
| Loan and lease loss provision to assets | 0.0549% | 3,685 |
| Net operating income to assets | 0.6164% | 3,691 |
| Return on assets (ROA) | 0.6416% | 3,746 |
| Pretax return on assets | 0.6807% | 3,926 |
| Return on Equity (ROE) | 5.6152% | 3,701 |
| Retained earnings to average equity (ytd only) | 2.8129% | 3,462 |
| Net charge-offs to loans | 0.0045% | 3,198 |
| Credit loss provision to net charge-offs | 2,250.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 290.5000% | 351 |
| Efficiency ratio | 77.6280% | 1,064 |
| Assets per employee ($millions) | 5.6419% | 2,697 |
| Cash dividends to net income (ytd only)* | 49.9049% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 2,200 |
| Loan loss allowance to noncurrent loans | 488.5246% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 3,595 |
| Noncurrent loans to loans | 0.2759% | 3,201 |
| Net loans and leases to total assets | 49.8748% | 3,842 |
| Net loans and leases to deposits | 59.4975% | 3,799 |
| Net loans and leases to core deposits | 67.1519% | 3,472 |
| Total domestic deposits to total assets | 83.8268% | 3,160 |
| Equity capital to assets | 11.2035% | 2,096 |
| Core capital (leverage) ratio | 9.5241% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6875% | 948 |
| Memoranda: | ||
| Average total assets | $163,955,600 | 3,251 |
| Average earning assets | $152,147,400 | 3,245 |
| Average equity | $18,735,000 | 3,307 |
| Average total loans | $89,809,000 | 3,401 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 3,433 |
| Cost of funding earning assets | 0.6971% | 2,039 |
| Net interest margin | 3.1448% | 3,632 |
| Noninterest income to average assets | 0.3308% | 3,504 |
| Noninterest expense to average assets | 2.4422% | 3,016 |
| Loan and lease loss provision to assets | 0.0496% | 3,734 |
| Net operating income to assets | 0.6994% | 3,459 |
| Return on assets (ROA) | 0.6963% | 3,570 |
| Pretax return on assets | 0.7534% | 3,770 |
| Return on Equity (ROE) | 6.0618% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.0618% | 2,083 |
| Net charge-offs to loans | 0.0074% | 2,857 |
| Credit loss provision to net charge-offs | 1,200.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 503 |
| Efficiency ratio | 75.1782% | 1,281 |
| Assets per employee ($millions) | 5.5651% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,199 |
| Loan loss allowance to noncurrent loans | 505.2174% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 3,758 |
| Noncurrent loans to loans | 0.2551% | 3,389 |
| Net loans and leases to total assets | 51.5810% | 3,993 |
| Net loans and leases to deposits | 64.1475% | 3,785 |
| Net loans and leases to core deposits | 70.4717% | 3,593 |
| Total domestic deposits to total assets | 80.4100% | 3,781 |
| Equity capital to assets | 11.4974% | 2,006 |
| Core capital (leverage) ratio | 10.1042% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1649% | 889 |
| Memoranda: | ||
| Average total assets | $161,219,500 | 3,261 |
| Average earning assets | $149,578,250 | 3,246 |
| Average equity | $18,520,000 | 3,317 |
| Average total loans | $90,155,500 | 3,411 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,538 |
| Cost of funding earning assets | 0.7270% | 2,257 |
| Net interest margin | 3.2022% | 3,664 |
| Noninterest income to average assets | 0.3125% | 3,589 |
| Noninterest expense to average assets | 2.4909% | 2,987 |
| Loan and lease loss provision to assets | 0.0381% | 3,798 |
| Net operating income to assets | 0.6939% | 3,407 |
| Return on assets (ROA) | 0.6986% | 3,499 |
| Pretax return on assets | 0.7596% | 3,709 |
| Return on Equity (ROE) | 6.0835% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.0835% | 2,043 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8607% | 1,279 |
| Assets per employee ($millions) | 5.5413% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,306 |
| Loan loss allowance to noncurrent loans | 90.3739% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 1,636 |
| Noncurrent loans to loans | 1.3723% | 1,125 |
| Net loans and leases to total assets | 54.4172% | 3,839 |
| Net loans and leases to deposits | 68.0826% | 3,558 |
| Net loans and leases to core deposits | 75.0473% | 3,365 |
| Total domestic deposits to total assets | 79.9282% | 3,856 |
| Equity capital to assets | 11.6905% | 1,837 |
| Core capital (leverage) ratio | 10.3260% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5130% | 976 |
| Memoranda: | ||
| Average total assets | $157,453,667 | 3,275 |
| Average earning assets | $146,085,667 | 3,264 |
| Average equity | $18,081,667 | 3,355 |
| Average total loans | $90,158,000 | 3,410 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,890 |
| Cost of funding earning assets | 0.7556% | 2,637 |
| Net interest margin | 3.2084% | 3,836 |
| Noninterest income to average assets | 0.2953% | 3,757 |
| Noninterest expense to average assets | 2.5584% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6572% | 3,424 |
| Return on assets (ROA) | 0.6716% | 3,428 |
| Pretax return on assets | 0.7265% | 3,606 |
| Return on Equity (ROE) | 5.9062% | 3,348 |
| Retained earnings to average equity (ytd only) | 5.9062% | 1,911 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2574% | 1,304 |
| Assets per employee ($millions) | 5.1668% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 2,437 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 1,764 |
| Noncurrent loans to loans | 1.3313% | 1,217 |
| Net loans and leases to total assets | 56.7137% | 3,778 |
| Net loans and leases to deposits | 71.8332% | 3,444 |
| Net loans and leases to core deposits | 79.0781% | 3,282 |
| Total domestic deposits to total assets | 78.9520% | 4,060 |
| Equity capital to assets | 11.0282% | 2,832 |
| Core capital (leverage) ratio | 10.7667% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0030% | 1,147 |
| Memoranda: | ||
| Average total assets | $153,061,500 | 3,293 |
| Average earning assets | $141,879,500 | 3,283 |
| Average equity | $17,405,500 | 3,432 |
| Average total loans | $89,438,000 | 3,406 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 4,319 |
| Cost of funding earning assets | 0.7765% | 2,788 |
| Net interest margin | 3.1956% | 4,193 |
| Noninterest income to average assets | 0.2870% | 3,967 |
| Noninterest expense to average assets | 2.4497% | 3,575 |
| Loan and lease loss provision to assets | 0.0694% | 2,618 |
| Net operating income to assets | 0.6925% | 3,887 |
| Return on assets (ROA) | 0.6720% | 4,020 |
| Pretax return on assets | 0.7130% | 4,180 |
| Return on Equity (ROE) | 5.9907% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.8951% | 3,582 |
| Net charge-offs to loans | -0.0274% | 4,696 |
| Credit loss provision to net charge-offs | -456.5217% | 4,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2846% | 1,447 |
| Assets per employee ($millions) | 5.2110% | 2,335 |
| Cash dividends to net income (ytd only)* | 51.6732% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,285 |
| Loan loss allowance to noncurrent loans | 102.2181% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 1,812 |
| Noncurrent loans to loans | 1.2041% | 1,248 |
| Net loans and leases to total assets | 58.7321% | 3,695 |
| Net loans and leases to deposits | 72.4385% | 3,484 |
| Net loans and leases to core deposits | 79.3563% | 3,354 |
| Total domestic deposits to total assets | 81.0786% | 3,748 |
| Equity capital to assets | 11.7238% | 2,337 |
| Core capital (leverage) ratio | 10.5468% | 2,905 |
| Tier 1 risk-based capital ratio | 16.6422% | 2,170 |
| Total risk-based capital ratio | 17.8163% | 2,134 |
| Memoranda: | ||
| Average total assets | $151,199,800 | 3,284 |
| Average earning assets | $140,378,800 | 3,271 |
| Average equity | $16,959,600 | 3,439 |
| Average total loans | $83,982,600 | 3,526 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9357% | 4,484 |
| Cost of funding earning assets | 0.7780% | 2,826 |
| Net interest margin | 3.1576% | 4,390 |
| Noninterest income to average assets | 0.2804% | 4,067 |
| Noninterest expense to average assets | 2.4255% | 3,624 |
| Loan and lease loss provision to assets | 0.0661% | 2,562 |
| Net operating income to assets | 0.6845% | 4,059 |
| Return on assets (ROA) | 0.6569% | 4,193 |
| Pretax return on assets | 0.6904% | 4,367 |
| Return on Equity (ROE) | 5.9230% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.9230% | 2,410 |
| Net charge-offs to loans | -0.0372% | 4,768 |
| Credit loss provision to net charge-offs | -326.0870% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5354% | 1,388 |
| Assets per employee ($millions) | 5.4405% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,377 |
| Loan loss allowance to noncurrent loans | 99.4455% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 1,930 |
| Noncurrent loans to loans | 1.2313% | 1,265 |
| Net loans and leases to total assets | 56.9801% | 3,965 |
| Net loans and leases to deposits | 70.2686% | 3,753 |
| Net loans and leases to core deposits | 76.6649% | 3,650 |
| Total domestic deposits to total assets | 81.0889% | 3,729 |
| Equity capital to assets | 11.7846% | 2,427 |
| Core capital (leverage) ratio | 10.9391% | 2,702 |
| Tier 1 risk-based capital ratio | 16.9392% | 2,102 |
| Total risk-based capital ratio | 18.0842% | 2,085 |
| Memoranda: | ||
| Average total assets | $151,219,750 | 3,314 |
| Average earning assets | $140,354,250 | 3,303 |
| Average equity | $16,770,250 | 3,483 |
| Average total loans | $82,512,750 | 3,589 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 4,568 |
| Cost of funding earning assets | 0.7782% | 2,754 |
| Net interest margin | 3.1143% | 4,507 |
| Noninterest income to average assets | 0.2665% | 4,157 |
| Noninterest expense to average assets | 2.4117% | 3,711 |
| Loan and lease loss provision to assets | 0.0597% | 2,630 |
| Net operating income to assets | 0.6622% | 4,122 |
| Return on assets (ROA) | 0.6444% | 4,232 |
| Pretax return on assets | 0.6682% | 4,406 |
| Return on Equity (ROE) | 5.9354% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.9354% | 2,310 |
| Net charge-offs to loans | -0.0471% | 4,815 |
| Credit loss provision to net charge-offs | -236.8421% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3644% | 1,349 |
| Assets per employee ($millions) | 5.6529% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,415 |
| Loan loss allowance to noncurrent loans | 76.9572% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 1,581 |
| Noncurrent loans to loans | 1.5860% | 965 |
| Net loans and leases to total assets | 55.2523% | 4,121 |
| Net loans and leases to deposits | 69.4734% | 3,882 |
| Net loans and leases to core deposits | 76.0342% | 3,726 |
| Total domestic deposits to total assets | 79.5301% | 4,128 |
| Equity capital to assets | 11.4140% | 2,691 |
| Core capital (leverage) ratio | 10.6146% | 2,967 |
| Tier 1 risk-based capital ratio | 16.5768% | 2,210 |
| Total risk-based capital ratio | 17.6802% | 2,211 |
| Memoranda: | ||
| Average total assets | $150,848,330 | 3,341 |
| Average earning assets | $140,061,330 | 3,329 |
| Average equity | $16,376,330 | 3,521 |
| Average total loans | $80,725,000 | 3,649 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 4,637 |
| Cost of funding earning assets | 0.7246% | 2,923 |
| Net interest margin | 3.1169% | 4,559 |
| Noninterest income to average assets | 0.2401% | 4,286 |
| Noninterest expense to average assets | 2.4327% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6790% | 4,008 |
| Return on assets (ROA) | 0.6402% | 4,160 |
| Pretax return on assets | 0.6589% | 4,400 |
| Return on Equity (ROE) | 6.0553% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.0553% | 2,435 |
| Net charge-offs to loans | -0.0969% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6831% | 1,307 |
| Assets per employee ($millions) | 5.8093% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,390 |
| Loan loss allowance to noncurrent loans | 292.3754% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 3,720 |
| Noncurrent loans to loans | 0.4234% | 3,073 |
| Net loans and leases to total assets | 52.6612% | 4,293 |
| Net loans and leases to deposits | 66.4661% | 4,018 |
| Net loans and leases to core deposits | 71.3901% | 3,987 |
| Total domestic deposits to total assets | 79.2301% | 4,312 |
| Equity capital to assets | 10.8050% | 3,045 |
| Core capital (leverage) ratio | 10.5719% | 2,971 |
| Tier 1 risk-based capital ratio | 16.8391% | 2,160 |
| Total risk-based capital ratio | 17.9294% | 2,160 |
| Memoranda: | ||
| Average total assets | $149,958,000 | 3,388 |
| Average earning assets | $139,114,500 | 3,379 |
| Average equity | $15,854,000 | 3,600 |
| Average total loans | $78,401,000 | 3,728 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 4,796 |
| Cost of funding earning assets | 0.6105% | 2,642 |
| Net interest margin | 2.9903% | 4,809 |
| Noninterest income to average assets | 0.2872% | 4,184 |
| Noninterest expense to average assets | 2.3978% | 3,884 |
| Loan and lease loss provision to assets | 0.0925% | 2,302 |
| Net operating income to assets | 0.5895% | 4,446 |
| Return on assets (ROA) | 0.5491% | 4,546 |
| Pretax return on assets | 0.5264% | 4,763 |
| Return on Equity (ROE) | 5.2779% | 4,392 |
| Retained earnings to average equity (ytd only) | 1.9833% | 4,357 |
| Net charge-offs to loans | 0.0204% | 3,019 |
| Credit loss provision to net charge-offs | 964.2857% | 383 |
| Earnings coverage of net charge-offs (x) | 68.7143% | 945 |
| Efficiency ratio | 78.4305% | 1,092 |
| Assets per employee ($millions) | 5.7260% | 1,742 |
| Cash dividends to net income (ytd only)* | 62.4220% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,131 |
| Loan loss allowance to noncurrent loans | 987.8788% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 4,502 |
| Noncurrent loans to loans | 0.1298% | 4,153 |
| Net loans and leases to total assets | 50.5706% | 4,489 |
| Net loans and leases to deposits | 63.4295% | 4,280 |
| Net loans and leases to core deposits | 68.3483% | 4,218 |
| Total domestic deposits to total assets | 79.7273% | 4,166 |
| Equity capital to assets | 10.3362% | 3,339 |
| Core capital (leverage) ratio | 10.2700% | 3,284 |
| Tier 1 risk-based capital ratio | 17.4134% | 1,916 |
| Total risk-based capital ratio | 18.5370% | 1,918 |
| Memoranda: | ||
| Average total assets | $145,883,200 | 3,428 |
| Average earning assets | $135,136,600 | 3,423 |
| Average equity | $15,176,600 | 3,618 |
| Average total loans | $68,649,800 | 3,897 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5171% | 4,914 |
| Cost of funding earning assets | 0.5781% | 2,645 |
| Net interest margin | 2.9390% | 4,923 |
| Noninterest income to average assets | 0.2912% | 4,210 |
| Noninterest expense to average assets | 2.4262% | 3,793 |
| Loan and lease loss provision to assets | 0.1011% | 1,977 |
| Net operating income to assets | 0.5227% | 4,712 |
| Return on assets (ROA) | 0.5080% | 4,745 |
| Pretax return on assets | 0.4722% | 4,939 |
| Return on Equity (ROE) | 4.8752% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.8752% | 3,304 |
| Net charge-offs to loans | 0.0280% | 2,542 |
| Credit loss provision to net charge-offs | 785.7143% | 493 |
| Earnings coverage of net charge-offs (x) | 45.7049% | 1,237 |
| Efficiency ratio | 80.4938% | 903 |
| Assets per employee ($millions) | 5.9783% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 1,983 |
| Loan loss allowance to noncurrent loans | 87.0320% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 2,027 |
| Noncurrent loans to loans | 1.5225% | 1,062 |
| Net loans and leases to total assets | 47.4832% | 4,737 |
| Net loans and leases to deposits | 59.7039% | 4,565 |
| Net loans and leases to core deposits | 64.3132% | 4,499 |
| Total domestic deposits to total assets | 79.5312% | 4,212 |
| Equity capital to assets | 9.9754% | 3,674 |
| Core capital (leverage) ratio | 10.5096% | 3,076 |
| Tier 1 risk-based capital ratio | 17.9996% | 1,795 |
| Total risk-based capital ratio | 19.1217% | 1,789 |
| Memoranda: | ||
| Average total assets | $145,135,250 | 3,478 |
| Average earning assets | $134,463,500 | 3,468 |
| Average equity | $15,123,750 | 3,646 |
| Average total loans | $66,746,000 | 3,979 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4475% | 4,978 |
| Cost of funding earning assets | 0.5435% | 2,665 |
| Net interest margin | 2.9039% | 5,010 |
| Noninterest income to average assets | 0.2742% | 4,356 |
| Noninterest expense to average assets | 2.4622% | 3,739 |
| Loan and lease loss provision to assets | 0.1113% | 1,773 |
| Net operating income to assets | 0.4468% | 4,865 |
| Return on assets (ROA) | 0.4468% | 4,870 |
| Pretax return on assets | 0.3925% | 5,050 |
| Return on Equity (ROE) | 4.2250% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.2250% | 3,490 |
| Net charge-offs to loans | 0.0215% | 2,451 |
| Credit loss provision to net charge-offs | 1,142.8571% | 365 |
| Earnings coverage of net charge-offs (x) | 51.7143% | 1,105 |
| Efficiency ratio | 83.0127% | 760 |
| Assets per employee ($millions) | 5.8282% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 1,896 |
| Loan loss allowance to noncurrent loans | 92.6295% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 2,167 |
| Noncurrent loans to loans | 1.4686% | 1,149 |
| Net loans and leases to total assets | 46.2809% | 4,812 |
| Net loans and leases to deposits | 57.1731% | 4,688 |
| Net loans and leases to core deposits | 61.6258% | 4,620 |
| Total domestic deposits to total assets | 80.9486% | 4,011 |
| Equity capital to assets | 10.3084% | 3,329 |
| Core capital (leverage) ratio | 10.6108% | 2,914 |
| Tier 1 risk-based capital ratio | 18.4081% | 1,695 |
| Total risk-based capital ratio | 19.5455% | 1,688 |
| Memoranda: | ||
| Average total assets | $143,694,670 | 3,515 |
| Average earning assets | $133,199,000 | 3,514 |
| Average equity | $15,195,330 | 3,652 |
| Average total loans | $65,021,330 | 4,045 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 5,068 |
| Cost of funding earning assets | 0.5136% | 2,695 |
| Net interest margin | 2.8430% | 5,108 |
| Noninterest income to average assets | 0.2831% | 4,280 |
| Noninterest expense to average assets | 2.4501% | 3,812 |
| Loan and lease loss provision to assets | 0.1402% | 1,347 |
| Net operating income to assets | 0.3981% | 4,931 |
| Return on assets (ROA) | 0.3981% | 4,935 |
| Pretax return on assets | 0.3308% | 5,122 |
| Return on Equity (ROE) | 3.7165% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.7165% | 3,709 |
| Net charge-offs to loans | -0.0063% | 4,088 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8772% | 807 |
| Assets per employee ($millions) | 5.5175% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,872 |
| Loan loss allowance to noncurrent loans | 10,088.8889% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,101 |
| Noncurrent loans to loans | 0.0138% | 4,936 |
| Net loans and leases to total assets | 44.8388% | 4,861 |
| Net loans and leases to deposits | 55.3997% | 4,725 |
| Net loans and leases to core deposits | 59.0649% | 4,697 |
| Total domestic deposits to total assets | 80.9370% | 4,223 |
| Equity capital to assets | 10.3286% | 3,245 |
| Core capital (leverage) ratio | 10.6703% | 2,771 |
| Tier 1 risk-based capital ratio | 18.7408% | 1,620 |
| Total risk-based capital ratio | 19.8853% | 1,617 |
| Memoranda: | ||
| Average total assets | $142,689,000 | 3,566 |
| Average earning assets | $132,393,500 | 3,557 |
| Average equity | $15,283,000 | 3,672 |
| Average total loans | $63,350,000 | 4,121 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3606% | 4,995 |
| Cost of funding earning assets | 0.4840% | 2,466 |
| Net interest margin | 2.8766% | 5,077 |
| Noninterest income to average assets | 0.2874% | 4,408 |
| Noninterest expense to average assets | 2.2515% | 4,439 |
| Loan and lease loss provision to assets | 0.0528% | 3,174 |
| Net operating income to assets | 0.6266% | 3,903 |
| Return on assets (ROA) | 0.6855% | 3,711 |
| Pretax return on assets | 0.7158% | 4,474 |
| Return on Equity (ROE) | 6.1764% | 3,685 |
| Retained earnings to average equity (ytd only) | 3.0977% | 3,442 |
| Net charge-offs to loans | -0.0265% | 5,028 |
| Credit loss provision to net charge-offs | -468.7500% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0952% | 1,602 |
| Assets per employee ($millions) | 5.6769% | 1,768 |
| Cash dividends to net income (ytd only)* | 49.8458% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,794 |
| Loan loss allowance to noncurrent loans | 8,570.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,144 |
| Noncurrent loans to loans | 0.0163% | 4,955 |
| Net loans and leases to total assets | 42.7073% | 5,046 |
| Net loans and leases to deposits | 52.0695% | 4,983 |
| Net loans and leases to core deposits | 56.2708% | 4,927 |
| Total domestic deposits to total assets | 82.0197% | 3,866 |
| Equity capital to assets | 11.0969% | 2,541 |
| Core capital (leverage) ratio | 10.7311% | 2,610 |
| Tier 1 risk-based capital ratio | 20.4286% | 1,244 |
| Total risk-based capital ratio | 21.6031% | 1,224 |
| Memoranda: | ||
| Average total assets | $141,948,000 | 3,586 |
| Average earning assets | $131,821,400 | 3,566 |
| Average equity | $15,753,600 | 3,633 |
| Average total loans | $60,471,000 | 4,192 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3410% | 5,052 |
| Cost of funding earning assets | 0.4805% | 2,430 |
| Net interest margin | 2.8605% | 5,143 |
| Noninterest income to average assets | 0.2818% | 4,502 |
| Noninterest expense to average assets | 2.2129% | 4,496 |
| Loan and lease loss provision to assets | 0.0704% | 2,666 |
| Net operating income to assets | 0.6697% | 4,122 |
| Return on assets (ROA) | 0.6697% | 4,182 |
| Pretax return on assets | 0.6547% | 4,716 |
| Return on Equity (ROE) | 6.0340% | 4,106 |
| Retained earnings to average equity (ytd only) | 6.0340% | 2,208 |
| Net charge-offs to loans | -0.0354% | 5,051 |
| Credit loss provision to net charge-offs | -468.7500% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3197% | 1,690 |
| Assets per employee ($millions) | 5.7532% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 2,018 |
| Loan loss allowance to noncurrent loans | 532.2981% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 4,684 |
| Noncurrent loans to loans | 0.2576% | 4,039 |
| Net loans and leases to total assets | 42.8552% | 5,084 |
| Net loans and leases to deposits | 52.6649% | 5,018 |
| Net loans and leases to core deposits | 57.0098% | 4,948 |
| Total domestic deposits to total assets | 81.3733% | 3,955 |
| Equity capital to assets | 11.5066% | 2,365 |
| Core capital (leverage) ratio | 10.8158% | 2,630 |
| Tier 1 risk-based capital ratio | 19.7490% | 1,425 |
| Total risk-based capital ratio | 20.8679% | 1,416 |
| Memoranda: | ||
| Average total assets | $141,954,500 | 3,619 |
| Average earning assets | $131,813,750 | 3,606 |
| Average equity | $15,754,750 | 3,662 |
| Average total loans | $60,221,750 | 4,236 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 5,085 |
| Cost of funding earning assets | 0.4683% | 2,425 |
| Net interest margin | 2.8447% | 5,178 |
| Noninterest income to average assets | 0.2915% | 4,471 |
| Noninterest expense to average assets | 2.1963% | 4,568 |
| Loan and lease loss provision to assets | 0.1061% | 1,917 |
| Net operating income to assets | 0.6524% | 4,068 |
| Return on assets (ROA) | 0.6439% | 4,160 |
| Pretax return on assets | 0.6198% | 4,762 |
| Return on Equity (ROE) | 5.8749% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.8749% | 2,186 |
| Net charge-offs to loans | -0.0202% | 4,785 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9396% | 1,861 |
| Assets per employee ($millions) | 5.5377% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 2,090 |
| Loan loss allowance to noncurrent loans | 1,660.7843% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 5,121 |
| Noncurrent loans to loans | 0.0824% | 4,801 |
| Net loans and leases to total assets | 42.3966% | 5,121 |
| Net loans and leases to deposits | 53.7417% | 4,973 |
| Net loans and leases to core deposits | 58.3184% | 4,906 |
| Total domestic deposits to total assets | 78.8896% | 4,641 |
| Equity capital to assets | 11.3855% | 2,426 |
| Core capital (leverage) ratio | 10.6530% | 2,756 |
| Tier 1 risk-based capital ratio | 20.2045% | 1,324 |
| Total risk-based capital ratio | 21.3527% | 1,319 |
| Memoranda: | ||
| Average total assets | $141,329,000 | 3,643 |
| Average earning assets | $131,122,670 | 3,632 |
| Average equity | $15,489,670 | 3,701 |
| Average total loans | $59,463,670 | 4,276 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 5,174 |
| Cost of funding earning assets | 0.4498% | 2,525 |
| Net interest margin | 2.8005% | 5,235 |
| Noninterest income to average assets | 0.3057% | 4,377 |
| Noninterest expense to average assets | 2.2028% | 4,633 |
| Loan and lease loss provision to assets | 0.2143% | 752 |
| Net operating income to assets | 0.5571% | 4,345 |
| Return on assets (ROA) | 0.5571% | 4,392 |
| Pretax return on assets | 0.4857% | 4,996 |
| Return on Equity (ROE) | 5.1869% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.1869% | 2,792 |
| Net charge-offs to loans | -0.0343% | 4,996 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8858% | 1,925 |
| Assets per employee ($millions) | 5.5059% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 2,148 |
| Loan loss allowance to noncurrent loans | 972.4138% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 5,039 |
| Noncurrent loans to loans | 0.1423% | 4,622 |
| Net loans and leases to total assets | 42.1144% | 5,157 |
| Net loans and leases to deposits | 52.5674% | 5,010 |
| Net loans and leases to core deposits | 56.5617% | 4,948 |
| Total domestic deposits to total assets | 80.1150% | 4,599 |
| Equity capital to assets | 10.6557% | 3,004 |
| Core capital (leverage) ratio | 10.7197% | 2,672 |
| Tier 1 risk-based capital ratio | 20.3374% | 1,328 |
| Total risk-based capital ratio | 21.5132% | 1,306 |
| Memoranda: | ||
| Average total assets | $140,003,000 | 3,692 |
| Average earning assets | $129,832,000 | 3,679 |
| Average equity | $15,038,000 | 3,775 |
| Average total loans | $58,250,500 | 4,339 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 5,332 |
| Cost of funding earning assets | 0.3843% | 3,157 |
| Net interest margin | 2.7932% | 5,300 |
| Noninterest income to average assets | 0.2875% | 4,683 |
| Noninterest expense to average assets | 2.3800% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5336% | 4,500 |
| Return on assets (ROA) | 0.6521% | 4,106 |
| Pretax return on assets | 0.6101% | 4,759 |
| Return on Equity (ROE) | 5.2931% | 4,279 |
| Retained earnings to average equity (ytd only) | 2.4387% | 4,136 |
| Net charge-offs to loans | 0.0118% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 107.1667% | 562 |
| Efficiency ratio | 82.8807% | 1,103 |
| Assets per employee ($millions) | 5.0686% | 2,318 |
| Cash dividends to net income (ytd only)* | 53.9273% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 2,158 |
| Loan loss allowance to noncurrent loans | 653.8462% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,992 |
| Noncurrent loans to loans | 0.2113% | 4,393 |
| Net loans and leases to total assets | 39.8983% | 5,318 |
| Net loans and leases to deposits | 50.7006% | 5,180 |
| Net loans and leases to core deposits | 54.5170% | 5,126 |
| Total domestic deposits to total assets | 78.6939% | 4,866 |
| Equity capital to assets | 10.8306% | 2,784 |
| Core capital (leverage) ratio | 11.0042% | 2,327 |
| Tier 1 risk-based capital ratio | 21.1661% | 1,178 |
| Total risk-based capital ratio | 22.2901% | 1,184 |
| Memoranda: | ||
| Average total assets | $130,800,800 | 3,818 |
| Average earning assets | $121,009,800 | 3,810 |
| Average equity | $16,115,400 | 3,681 |
| Average total loans | $51,021,600 | 4,550 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1895% | 5,376 |
| Cost of funding earning assets | 0.3736% | 3,298 |
| Net interest margin | 2.8159% | 5,332 |
| Noninterest income to average assets | 0.2836% | 4,739 |
| Noninterest expense to average assets | 2.3977% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5228% | 4,605 |
| Return on assets (ROA) | 0.6827% | 4,073 |
| Pretax return on assets | 0.6497% | 4,744 |
| Return on Equity (ROE) | 5.3693% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.3693% | 2,575 |
| Net charge-offs to loans | 0.0080% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 158.3300% | 441 |
| Efficiency ratio | 83.0357% | 1,070 |
| Assets per employee ($millions) | 4.9372% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,690 |
| Loan loss allowance to noncurrent loans | 228.1899% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 4,428 |
| Noncurrent loans to loans | 0.6664% | 3,034 |
| Net loans and leases to total assets | 37.3575% | 5,494 |
| Net loans and leases to deposits | 46.3208% | 5,449 |
| Net loans and leases to core deposits | 49.5325% | 5,403 |
| Total domestic deposits to total assets | 80.6495% | 4,341 |
| Equity capital to assets | 12.6163% | 1,696 |
| Core capital (leverage) ratio | 11.6087% | 1,951 |
| Tier 1 risk-based capital ratio | 23.4159% | 959 |
| Total risk-based capital ratio | 24.6512% | 940 |
| Memoranda: | ||
| Average total assets | $129,287,750 | 3,866 |
| Average earning assets | $119,556,500 | 3,857 |
| Average equity | $16,438,750 | 3,670 |
| Average total loans | $49,935,250 | 4,616 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2058% | 5,420 |
| Cost of funding earning assets | 0.3669% | 3,389 |
| Net interest margin | 2.8389% | 5,365 |
| Noninterest income to average assets | 0.2814% | 4,777 |
| Noninterest expense to average assets | 2.3650% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6018% | 4,258 |
| Return on assets (ROA) | 0.6268% | 4,292 |
| Pretax return on assets | 0.5659% | 4,986 |
| Return on Equity (ROE) | 4.9165% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.9165% | 2,786 |
| Net charge-offs to loans | 0.0241% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 907 |
| Efficiency ratio | 81.3878% | 1,340 |
| Assets per employee ($millions) | 4.9835% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,645 |
| Loan loss allowance to noncurrent loans | 430.3371% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 4,958 |
| Noncurrent loans to loans | 0.3629% | 4,066 |
| Net loans and leases to total assets | 37.2653% | 5,546 |
| Net loans and leases to deposits | 46.5438% | 5,484 |
| Net loans and leases to core deposits | 49.6351% | 5,449 |
| Total domestic deposits to total assets | 80.0650% | 4,521 |
| Equity capital to assets | 12.9551% | 1,529 |
| Core capital (leverage) ratio | 11.4485% | 2,029 |
| Tier 1 risk-based capital ratio | 23.3426% | 977 |
| Total risk-based capital ratio | 24.5910% | 958 |
| Memoranda: | ||
| Average total assets | $127,949,000 | 3,919 |
| Average earning assets | $118,285,670 | 3,906 |
| Average equity | $16,312,330 | 3,692 |
| Average total loans | $49,724,330 | 4,657 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2151% | 5,467 |
| Cost of funding earning assets | 0.3610% | 3,492 |
| Net interest margin | 2.8541% | 5,390 |
| Noninterest income to average assets | 0.2737% | 4,770 |
| Noninterest expense to average assets | 2.3439% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6198% | 4,094 |
| Return on assets (ROA) | 0.6576% | 4,063 |
| Pretax return on assets | 0.6041% | 4,812 |
| Return on Equity (ROE) | 5.2005% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.2005% | 2,819 |
| Net charge-offs to loans | 0.0639% | 1,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,398 |
| Efficiency ratio | 80.5405% | 1,540 |
| Assets per employee ($millions) | 5.6653% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,842 |
| Loan loss allowance to noncurrent loans | 62.8289% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9332% | 2,376 |
| Noncurrent loans to loans | 2.4458% | 783 |
| Net loans and leases to total assets | 37.5696% | 5,572 |
| Net loans and leases to deposits | 46.5497% | 5,486 |
| Net loans and leases to core deposits | 50.0046% | 5,439 |
| Total domestic deposits to total assets | 80.7087% | 4,579 |
| Equity capital to assets | 12.4718% | 1,699 |
| Core capital (leverage) ratio | 11.6769% | 1,846 |
| Tier 1 risk-based capital ratio | 22.6650% | 1,062 |
| Total risk-based capital ratio | 23.8821% | 1,043 |
| Memoranda: | ||
| Average total assets | $127,138,000 | 3,956 |
| Average earning assets | $117,447,000 | 3,951 |
| Average equity | $16,075,500 | 3,722 |
| Average total loans | $50,061,000 | 4,674 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2869% | 5,367 |
| Cost of funding earning assets | 0.3509% | 3,694 |
| Net interest margin | 2.9360% | 5,280 |
| Noninterest income to average assets | 0.3011% | 4,725 |
| Noninterest expense to average assets | 2.3003% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7502% | 3,570 |
| Return on assets (ROA) | 0.7742% | 3,525 |
| Pretax return on assets | 0.7725% | 4,286 |
| Return on Equity (ROE) | 5.9724% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.3818% | 3,645 |
| Net charge-offs to loans | -0.1713% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4476% | 2,362 |
| Assets per employee ($millions) | 5.3902% | 1,911 |
| Cash dividends to net income (ytd only)* | 43.3761% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,863 |
| Loan loss allowance to noncurrent loans | 838.0435% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 5,336 |
| Noncurrent loans to loans | 0.1825% | 4,762 |
| Net loans and leases to total assets | 40.0350% | 5,509 |
| Net loans and leases to deposits | 49.7719% | 5,404 |
| Net loans and leases to core deposits | 53.1790% | 5,360 |
| Total domestic deposits to total assets | 80.4370% | 4,630 |
| Equity capital to assets | 12.8253% | 1,448 |
| Core capital (leverage) ratio | 11.7031% | 1,817 |
| Tier 1 risk-based capital ratio | 22.8113% | 1,040 |
| Total risk-based capital ratio | 24.0604% | 1,024 |
| Memoranda: | ||
| Average total assets | $120,898,600 | 4,051 |
| Average earning assets | $113,147,600 | 4,018 |
| Average equity | $15,672,000 | 3,734 |
| Average total loans | $50,786,000 | 4,644 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2845% | 5,434 |
| Cost of funding earning assets | 0.3606% | 3,646 |
| Net interest margin | 2.9239% | 5,364 |
| Noninterest income to average assets | 0.2952% | 4,830 |
| Noninterest expense to average assets | 2.2897% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7481% | 3,686 |
| Return on assets (ROA) | 0.7836% | 3,590 |
| Pretax return on assets | 0.7858% | 4,377 |
| Return on Equity (ROE) | 6.0282% | 4,138 |
| Retained earnings to average equity (ytd only) | 6.0282% | 2,229 |
| Net charge-offs to loans | -0.1730% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3195% | 2,346 |
| Assets per employee ($millions) | 5.3211% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 2,004 |
| Loan loss allowance to noncurrent loans | 257.7320% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 4,806 |
| Noncurrent loans to loans | 0.5969% | 3,536 |
| Net loans and leases to total assets | 39.2226% | 5,634 |
| Net loans and leases to deposits | 48.9058% | 5,520 |
| Net loans and leases to core deposits | 52.4594% | 5,481 |
| Total domestic deposits to total assets | 80.2003% | 4,694 |
| Equity capital to assets | 13.0080% | 1,441 |
| Core capital (leverage) ratio | 12.0643% | 1,643 |
| Tier 1 risk-based capital ratio | 23.8297% | 962 |
| Total risk-based capital ratio | 25.0797% | 951 |
| Memoranda: | ||
| Average total assets | $120,129,750 | 4,115 |
| Average earning assets | $112,770,750 | 4,065 |
| Average equity | $15,615,000 | 3,781 |
| Average total loans | $50,881,500 | 4,683 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3102% | 5,421 |
| Cost of funding earning assets | 0.3668% | 3,631 |
| Net interest margin | 2.9434% | 5,357 |
| Noninterest income to average assets | 0.2949% | 4,849 |
| Noninterest expense to average assets | 2.3137% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7443% | 3,666 |
| Return on assets (ROA) | 0.7891% | 3,541 |
| Pretax return on assets | 0.7958% | 4,329 |
| Return on Equity (ROE) | 6.0722% | 4,095 |
| Retained earnings to average equity (ytd only) | 6.0722% | 2,194 |
| Net charge-offs to loans | -0.2481% | 6,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5057% | 2,451 |
| Assets per employee ($millions) | 5.2468% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 2,372 |
| Loan loss allowance to noncurrent loans | 220.9440% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 4,752 |
| Noncurrent loans to loans | 0.6708% | 3,467 |
| Net loans and leases to total assets | 41.2568% | 5,556 |
| Net loans and leases to deposits | 51.3379% | 5,427 |
| Net loans and leases to core deposits | 54.8146% | 5,377 |
| Total domestic deposits to total assets | 80.3631% | 4,784 |
| Equity capital to assets | 12.8650% | 1,461 |
| Core capital (leverage) ratio | 11.8620% | 1,739 |
| Tier 1 risk-based capital ratio | 23.6700% | 990 |
| Total risk-based capital ratio | 24.9188% | 974 |
| Memoranda: | ||
| Average total assets | $119,377,670 | 4,168 |
| Average earning assets | $112,320,670 | 4,111 |
| Average equity | $15,513,330 | 3,812 |
| Average total loans | $51,591,000 | 4,707 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 5,391 |
| Cost of funding earning assets | 0.3682% | 3,667 |
| Net interest margin | 2.9562% | 5,330 |
| Noninterest income to average assets | 0.2864% | 4,879 |
| Noninterest expense to average assets | 2.3145% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7547% | 3,508 |
| Return on assets (ROA) | 0.7311% | 3,775 |
| Pretax return on assets | 0.7344% | 4,483 |
| Return on Equity (ROE) | 5.5973% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.5973% | 2,720 |
| Net charge-offs to loans | -0.2456% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3289% | 2,604 |
| Assets per employee ($millions) | 4.9654% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 2,937 |
| Loan loss allowance to noncurrent loans | 167.2897% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 4,575 |
| Noncurrent loans to loans | 0.8346% | 3,157 |
| Net loans and leases to total assets | 42.4305% | 5,453 |
| Net loans and leases to deposits | 53.1788% | 5,258 |
| Net loans and leases to core deposits | 57.0887% | 5,183 |
| Total domestic deposits to total assets | 79.7884% | 5,096 |
| Equity capital to assets | 13.1553% | 1,324 |
| Core capital (leverage) ratio | 12.0769% | 1,592 |
| Tier 1 risk-based capital ratio | 23.3450% | 1,070 |
| Total risk-based capital ratio | 24.5656% | 1,046 |
| Memoranda: | ||
| Average total assets | $118,728,500 | 4,208 |
| Average earning assets | $111,899,000 | 4,145 |
| Average equity | $15,507,500 | 3,829 |
| Average total loans | $52,118,500 | 4,734 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3635% | 5,596 |
| Cost of funding earning assets | 0.4047% | 3,649 |
| Net interest margin | 2.9588% | 5,533 |
| Noninterest income to average assets | 0.3082% | 4,914 |
| Noninterest expense to average assets | 2.3537% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7279% | 3,751 |
| Return on assets (ROA) | 0.7262% | 3,868 |
| Pretax return on assets | 0.7391% | 4,481 |
| Return on Equity (ROE) | 5.6668% | 4,323 |
| Retained earnings to average equity (ytd only) | 2.9674% | 4,133 |
| Net charge-offs to loans | 0.8211% | 421 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.9977% | 4,281 |
| Efficiency ratio | 76.0610% | 2,499 |
| Assets per employee ($millions) | 4.9287% | 2,412 |
| Cash dividends to net income (ytd only)* | 47.6359% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 3,468 |
| Loan loss allowance to noncurrent loans | 104.1096% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 3,943 |
| Noncurrent loans to loans | 1.2406% | 2,374 |
| Net loans and leases to total assets | 44.1913% | 5,449 |
| Net loans and leases to deposits | 55.8413% | 5,194 |
| Net loans and leases to core deposits | 60.5649% | 5,092 |
| Total domestic deposits to total assets | 79.1374% | 5,224 |
| Equity capital to assets | 12.9667% | 1,390 |
| Core capital (leverage) ratio | 11.7460% | 1,797 |
| Tier 1 risk-based capital ratio | 23.0159% | 1,082 |
| Total risk-based capital ratio | 24.1852% | 1,071 |
| Memoranda: | ||
| Average total assets | $116,496,400 | 4,248 |
| Average earning assets | $109,707,400 | 4,191 |
| Average equity | $14,929,000 | 3,849 |
| Average total loans | $52,612,800 | 4,742 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 5,712 |
| Cost of funding earning assets | 0.4126% | 3,653 |
| Net interest margin | 2.9176% | 5,665 |
| Noninterest income to average assets | 0.3068% | 4,986 |
| Noninterest expense to average assets | 2.3553% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6905% | 3,991 |
| Return on assets (ROA) | 0.6882% | 4,093 |
| Pretax return on assets | 0.6951% | 4,717 |
| Return on Equity (ROE) | 5.3865% | 4,541 |
| Retained earnings to average equity (ytd only) | 5.3865% | 2,833 |
| Net charge-offs to loans | 1.1245% | 252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.3702% | 4,172 |
| Efficiency ratio | 77.1547% | 2,329 |
| Assets per employee ($millions) | 4.9378% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 3,906 |
| Loan loss allowance to noncurrent loans | 128.4351% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 4,580 |
| Noncurrent loans to loans | 0.9773% | 3,116 |
| Net loans and leases to total assets | 44.6775% | 5,480 |
| Net loans and leases to deposits | 55.2205% | 5,294 |
| Net loans and leases to core deposits | 60.0438% | 5,184 |
| Total domestic deposits to total assets | 80.9075% | 4,845 |
| Equity capital to assets | 12.9545% | 1,455 |
| Core capital (leverage) ratio | 12.1973% | 1,576 |
| Tier 1 risk-based capital ratio | 22.9905% | 1,110 |
| Total risk-based capital ratio | 24.1275% | 1,113 |
| Memoranda: | ||
| Average total assets | $116,048,500 | 4,301 |
| Average earning assets | $109,219,000 | 4,240 |
| Average equity | $14,826,750 | 3,887 |
| Average total loans | $52,526,750 | 4,779 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 5,730 |
| Cost of funding earning assets | 0.4211% | 3,645 |
| Net interest margin | 2.9198% | 5,701 |
| Noninterest income to average assets | 0.2968% | 5,037 |
| Noninterest expense to average assets | 2.3518% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6821% | 3,928 |
| Return on assets (ROA) | 0.6821% | 4,031 |
| Pretax return on assets | 0.6891% | 4,678 |
| Return on Equity (ROE) | 5.3646% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.3646% | 2,724 |
| Net charge-offs to loans | 1.6525% | 156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.9211% | 3,936 |
| Efficiency ratio | 77.3402% | 2,400 |
| Assets per employee ($millions) | 4.8308% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 3,773 |
| Loan loss allowance to noncurrent loans | 127.3234% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 4,604 |
| Noncurrent loans to loans | 1.0333% | 3,169 |
| Net loans and leases to total assets | 44.3190% | 5,513 |
| Net loans and leases to deposits | 54.2931% | 5,334 |
| Net loans and leases to core deposits | 59.0996% | 5,195 |
| Total domestic deposits to total assets | 81.6291% | 4,772 |
| Equity capital to assets | 13.0198% | 1,363 |
| Core capital (leverage) ratio | 12.0945% | 1,609 |
| Tier 1 risk-based capital ratio | 23.8831% | 1,002 |
| Total risk-based capital ratio | 25.1028% | 983 |
| Memoranda: | ||
| Average total assets | $115,229,000 | 4,348 |
| Average earning assets | $108,294,000 | 4,283 |
| Average equity | $14,651,670 | 3,916 |
| Average total loans | $52,162,670 | 4,825 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3712% | 5,711 |
| Cost of funding earning assets | 0.4270% | 3,675 |
| Net interest margin | 2.9442% | 5,658 |
| Noninterest income to average assets | 0.2960% | 4,995 |
| Noninterest expense to average assets | 2.3330% | 5,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7103% | 3,629 |
| Return on assets (ROA) | 0.7103% | 3,712 |
| Pretax return on assets | 0.7243% | 4,404 |
| Return on Equity (ROE) | 5.6549% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.6549% | 2,716 |
| Net charge-offs to loans | -0.0077% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3098% | 2,748 |
| Assets per employee ($millions) | 4.8036% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1410% | 1,251 |
| Loan loss allowance to noncurrent loans | 121.4363% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 3,749 |
| Noncurrent loans to loans | 1.7631% | 2,187 |
| Net loans and leases to total assets | 44.2456% | 5,484 |
| Net loans and leases to deposits | 53.9133% | 5,297 |
| Net loans and leases to core deposits | 58.5234% | 5,159 |
| Total domestic deposits to total assets | 82.0681% | 4,920 |
| Equity capital to assets | 12.6485% | 1,490 |
| Core capital (leverage) ratio | 12.0583% | 1,619 |
| Tier 1 risk-based capital ratio | 23.7710% | 1,039 |
| Total risk-based capital ratio | 25.0296% | 1,019 |
| Memoranda: | ||
| Average total assets | $114,874,000 | 4,396 |
| Average earning assets | $107,736,500 | 4,323 |
| Average equity | $14,430,000 | 3,966 |
| Average total loans | $52,210,000 | 4,855 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4264% | 5,783 |
| Cost of funding earning assets | 0.5020% | 3,590 |
| Net interest margin | 2.9244% | 5,742 |
| Noninterest income to average assets | 0.3243% | 5,018 |
| Noninterest expense to average assets | 2.7597% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3691% | 5,265 |
| Return on assets (ROA) | 0.7339% | 3,721 |
| Pretax return on assets | 0.6675% | 4,646 |
| Return on Equity (ROE) | 5.8298% | 4,190 |
| Retained earnings to average equity (ytd only) | 2.8841% | 4,193 |
| Net charge-offs to loans | 0.0812% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.5610% | 2,652 |
| Efficiency ratio | 90.1155% | 1,013 |
| Assets per employee ($millions) | 4.7693% | 2,487 |
| Cash dividends to net income (ytd only)* | 50.5288% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1340% | 1,278 |
| Loan loss allowance to noncurrent loans | 104.0075% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 3,560 |
| Noncurrent loans to loans | 2.0518% | 1,932 |
| Net loans and leases to total assets | 44.7127% | 5,608 |
| Net loans and leases to deposits | 54.3954% | 5,439 |
| Net loans and leases to core deposits | 59.0736% | 5,299 |
| Total domestic deposits to total assets | 82.1993% | 4,809 |
| Equity capital to assets | 12.4740% | 1,523 |
| Core capital (leverage) ratio | 11.7623% | 1,783 |
| Tier 1 risk-based capital ratio | 23.0822% | 1,084 |
| Total risk-based capital ratio | 24.3401% | 1,063 |
| Memoranda: | ||
| Average total assets | $115,956,000 | 4,365 |
| Average earning assets | $108,569,200 | 4,296 |
| Average equity | $14,597,400 | 3,945 |
| Average total loans | $50,517,200 | 4,945 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4221% | 5,840 |
| Cost of funding earning assets | 0.5165% | 3,606 |
| Net interest margin | 2.9056% | 5,803 |
| Noninterest income to average assets | 0.3301% | 5,047 |
| Noninterest expense to average assets | 2.4378% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6224% | 4,250 |
| Return on assets (ROA) | 0.9043% | 2,921 |
| Pretax return on assets | 0.8951% | 3,908 |
| Return on Equity (ROE) | 7.1674% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.1674% | 1,803 |
| Net charge-offs to loans | 0.0533% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 26.7462% | 1,337 |
| Efficiency ratio | 79.9023% | 2,112 |
| Assets per employee ($millions) | 4.8004% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 1,330 |
| Loan loss allowance to noncurrent loans | 109.9613% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8975% | 3,895 |
| Noncurrent loans to loans | 1.9983% | 2,247 |
| Net loans and leases to total assets | 43.9254% | 5,731 |
| Net loans and leases to deposits | 53.5026% | 5,581 |
| Net loans and leases to core deposits | 58.2569% | 5,431 |
| Total domestic deposits to total assets | 82.0995% | 4,889 |
| Equity capital to assets | 12.4522% | 1,610 |
| Core capital (leverage) ratio | 12.1469% | 1,591 |
| Tier 1 risk-based capital ratio | 24.5853% | 927 |
| Total risk-based capital ratio | 25.8449% | 905 |
| Memoranda: | ||
| Average total assets | $116,329,500 | 4,398 |
| Average earning assets | $108,934,750 | 4,332 |
| Average equity | $14,677,250 | 3,973 |
| Average total loans | $50,072,750 | 4,999 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4063% | 5,890 |
| Cost of funding earning assets | 0.5293% | 3,614 |
| Net interest margin | 2.8771% | 5,834 |
| Noninterest income to average assets | 0.3273% | 5,076 |
| Noninterest expense to average assets | 2.3975% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6495% | 4,063 |
| Return on assets (ROA) | 0.8792% | 3,055 |
| Pretax return on assets | 0.8517% | 4,113 |
| Return on Equity (ROE) | 6.9382% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.9382% | 1,911 |
| Net charge-offs to loans | 0.0848% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 17.2857% | 1,614 |
| Efficiency ratio | 79.3984% | 2,239 |
| Assets per employee ($millions) | 4.6208% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2808% | 1,288 |
| Loan loss allowance to noncurrent loans | 115.0963% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 4,108 |
| Noncurrent loans to loans | 1.9817% | 2,424 |
| Net loans and leases to total assets | 42.1309% | 5,892 |
| Net loans and leases to deposits | 51.6288% | 5,718 |
| Net loans and leases to core deposits | 56.2217% | 5,578 |
| Total domestic deposits to total assets | 81.6033% | 5,179 |
| Equity capital to assets | 12.4557% | 1,604 |
| Core capital (leverage) ratio | 11.6086% | 1,853 |
| Tier 1 risk-based capital ratio | 24.7009% | 907 |
| Total risk-based capital ratio | 25.9612% | 891 |
| Memoranda: | ||
| Average total assets | $116,703,000 | 4,425 |
| Average earning assets | $109,208,670 | 4,357 |
| Average equity | $14,787,670 | 3,988 |
| Average total loans | $49,516,000 | 5,043 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 5,945 |
| Cost of funding earning assets | 0.5367% | 3,709 |
| Net interest margin | 2.8625% | 5,882 |
| Noninterest income to average assets | 0.3035% | 5,269 |
| Noninterest expense to average assets | 2.3701% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7196% | 3,594 |
| Return on assets (ROA) | 0.7196% | 3,728 |
| Pretax return on assets | 0.6070% | 4,919 |
| Return on Equity (ROE) | 5.6315% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.6315% | 2,875 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6105% | 2,387 |
| Assets per employee ($millions) | 4.7540% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3920% | 1,260 |
| Loan loss allowance to noncurrent loans | 110.0856% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 4,174 |
| Noncurrent loans to loans | 2.1728% | 2,420 |
| Net loans and leases to total assets | 39.7245% | 6,019 |
| Net loans and leases to deposits | 48.9006% | 5,859 |
| Net loans and leases to core deposits | 53.1289% | 5,741 |
| Total domestic deposits to total assets | 81.2353% | 5,435 |
| Equity capital to assets | 12.6537% | 1,615 |
| Core capital (leverage) ratio | 11.2877% | 2,018 |
| Tier 1 risk-based capital ratio | 24.7469% | 924 |
| Total risk-based capital ratio | 26.0083% | 907 |
| Memoranda: | ||
| Average total assets | $117,294,000 | 4,457 |
| Average earning assets | $109,555,000 | 4,384 |
| Average equity | $14,987,000 | 4,001 |
| Average total loans | $49,371,000 | 5,077 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 5,903 |
| Cost of funding earning assets | 0.6186% | 4,187 |
| Net interest margin | 3.1507% | 5,689 |
| Noninterest income to average assets | 0.3143% | 5,206 |
| Noninterest expense to average assets | 2.5203% | 5,027 |
| Loan and lease loss provision to assets | 0.0808% | 4,689 |
| Net operating income to assets | 0.7318% | 3,597 |
| Return on assets (ROA) | 0.7551% | 3,731 |
| Pretax return on assets | 0.6815% | 4,727 |
| Return on Equity (ROE) | 5.6584% | 4,334 |
| Retained earnings to average equity (ytd only) | 2.8460% | 4,235 |
| Net charge-offs to loans | 0.0160% | 5,691 |
| Credit loss provision to net charge-offs | 1,125.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 102.8750% | 376 |
| Efficiency ratio | 77.3278% | 2,544 |
| Assets per employee ($millions) | 4.6295% | 2,734 |
| Cash dividends to net income (ytd only)* | 49.7027% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2969% | 1,376 |
| Loan loss allowance to noncurrent loans | 96.0963% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 3,952 |
| Noncurrent loans to loans | 2.3902% | 2,239 |
| Net loans and leases to total assets | 42.5231% | 5,947 |
| Net loans and leases to deposits | 52.6826% | 5,758 |
| Net loans and leases to core deposits | 57.4097% | 5,598 |
| Total domestic deposits to total assets | 80.7158% | 5,477 |
| Equity capital to assets | 12.9043% | 1,490 |
| Core capital (leverage) ratio | 11.3291% | 1,994 |
| Tier 1 risk-based capital ratio | 23.5840% | 1,021 |
| Total risk-based capital ratio | 24.8386% | 1,002 |
| Memoranda: | ||
| Average total assets | $111,373,600 | 4,561 |
| Average earning assets | $104,104,000 | 4,490 |
| Average equity | $14,862,800 | 3,994 |
| Average total loans | $50,068,600 | 5,106 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 5,980 |
| Cost of funding earning assets | 0.6256% | 4,406 |
| Net interest margin | 3.1929% | 5,719 |
| Noninterest income to average assets | 0.3010% | 5,371 |
| Noninterest expense to average assets | 2.5171% | 5,023 |
| Loan and lease loss provision to assets | 0.1088% | 4,212 |
| Net operating income to assets | 0.7278% | 3,781 |
| Return on assets (ROA) | 0.7641% | 3,879 |
| Pretax return on assets | 0.6976% | 4,870 |
| Return on Equity (ROE) | 5.6764% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.4968% | 3,042 |
| Net charge-offs to loans | 0.0213% | 5,367 |
| Credit loss provision to net charge-offs | 1,125.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 79.5979% | 518 |
| Efficiency ratio | 76.5723% | 2,589 |
| Assets per employee ($millions) | 4.5383% | 2,847 |
| Cash dividends to net income (ytd only)* | 3.1650% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3571% | 1,423 |
| Loan loss allowance to noncurrent loans | 95.9370% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 4,160 |
| Noncurrent loans to loans | 2.4569% | 2,343 |
| Net loans and leases to total assets | 42.2442% | 6,108 |
| Net loans and leases to deposits | 52.8481% | 5,900 |
| Net loans and leases to core deposits | 57.5192% | 5,764 |
| Total domestic deposits to total assets | 79.9351% | 5,674 |
| Equity capital to assets | 13.5179% | 1,342 |
| Core capital (leverage) ratio | 11.8477% | 1,749 |
| Tier 1 risk-based capital ratio | 24.9129% | 916 |
| Total risk-based capital ratio | 26.1756% | 906 |
| Memoranda: | ||
| Average total assets | $110,282,750 | 4,629 |
| Average earning assets | $103,144,000 | 4,568 |
| Average equity | $14,844,750 | 4,039 |
| Average total loans | $49,992,750 | 5,166 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 5,997 |
| Cost of funding earning assets | 0.6343% | 4,587 |
| Net interest margin | 3.2320% | 5,639 |
| Noninterest income to average assets | 0.3040% | 5,376 |
| Noninterest expense to average assets | 2.5489% | 4,963 |
| Loan and lease loss provision to assets | 0.1099% | 4,152 |
| Net operating income to assets | 0.7251% | 3,726 |
| Return on assets (ROA) | 0.7800% | 3,737 |
| Pretax return on assets | 0.7233% | 4,761 |
| Return on Equity (ROE) | 5.8035% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.5311% | 2,973 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6098% | 2,652 |
| Assets per employee ($millions) | 4.4397% | 3,023 |
| Cash dividends to net income (ytd only)* | 4.6948% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3273% | 1,542 |
| Loan loss allowance to noncurrent loans | 89.5110% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 4,107 |
| Noncurrent loans to loans | 2.6001% | 2,311 |
| Net loans and leases to total assets | 42.9157% | 6,116 |
| Net loans and leases to deposits | 53.6764% | 5,905 |
| Net loans and leases to core deposits | 58.8869% | 5,702 |
| Total domestic deposits to total assets | 79.9526% | 5,752 |
| Equity capital to assets | 13.4857% | 1,310 |
| Core capital (leverage) ratio | 11.7267% | 1,768 |
| Tier 1 risk-based capital ratio | 25.1457% | 890 |
| Total risk-based capital ratio | 26.4083% | 871 |
| Memoranda: | ||
| Average total assets | $109,224,670 | 4,687 |
| Average earning assets | $102,165,670 | 4,621 |
| Average equity | $14,680,670 | 4,052 |
| Average total loans | $50,295,000 | 5,183 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 5,900 |
| Cost of funding earning assets | 0.6520% | 4,714 |
| Net interest margin | 3.2996% | 5,482 |
| Noninterest income to average assets | 0.3175% | 5,335 |
| Noninterest expense to average assets | 2.5623% | 4,950 |
| Loan and lease loss provision to assets | 0.1108% | 3,967 |
| Net operating income to assets | 0.7643% | 3,545 |
| Return on assets (ROA) | 0.8233% | 3,506 |
| Pretax return on assets | 0.7864% | 4,467 |
| Return on Equity (ROE) | 6.1361% | 4,223 |
| Retained earnings to average equity (ytd only) | 6.1361% | 2,883 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3529% | 2,881 |
| Assets per employee ($millions) | 4.2699% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2357% | 1,813 |
| Loan loss allowance to noncurrent loans | 86.0140% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 4,190 |
| Noncurrent loans to loans | 2.5992% | 2,507 |
| Net loans and leases to total assets | 43.6041% | 6,052 |
| Net loans and leases to deposits | 54.2453% | 5,785 |
| Net loans and leases to core deposits | 58.9350% | 5,630 |
| Total domestic deposits to total assets | 80.3832% | 5,757 |
| Equity capital to assets | 13.1241% | 1,390 |
| Core capital (leverage) ratio | 11.9534% | 1,614 |
| Tier 1 risk-based capital ratio | 25.3563% | 870 |
| Total risk-based capital ratio | 26.6178% | 849 |
| Memoranda: | ||
| Average total assets | $108,341,000 | 4,742 |
| Average earning assets | $101,225,000 | 4,668 |
| Average equity | $14,537,000 | 4,086 |
| Average total loans | $51,058,500 | 5,186 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3229% | 5,688 |
| Cost of funding earning assets | 0.7925% | 4,919 |
| Net interest margin | 3.5303% | 5,022 |
| Noninterest income to average assets | 0.3207% | 5,251 |
| Noninterest expense to average assets | 2.6074% | 5,068 |
| Loan and lease loss provision to assets | 0.1166% | 5,142 |
| Net operating income to assets | 0.8960% | 2,620 |
| Return on assets (ROA) | 0.9524% | 2,529 |
| Pretax return on assets | 0.9475% | 3,437 |
| Return on Equity (ROE) | 7.0280% | 3,395 |
| Retained earnings to average equity (ytd only) | 4.1881% | 3,200 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1237% | 3,555 |
| Assets per employee ($millions) | 4.2266% | 3,419 |
| Cash dividends to net income (ytd only)* | 40.4082% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0475% | 2,135 |
| Loan loss allowance to noncurrent loans | 82.7825% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 4,174 |
| Noncurrent loans to loans | 2.4733% | 2,660 |
| Net loans and leases to total assets | 48.7626% | 5,746 |
| Net loans and leases to deposits | 61.3824% | 5,325 |
| Net loans and leases to core deposits | 67.0427% | 5,152 |
| Total domestic deposits to total assets | 79.4407% | 5,881 |
| Equity capital to assets | 13.7264% | 1,162 |
| Core capital (leverage) ratio | 11.9467% | 1,624 |
| Tier 1 risk-based capital ratio | 23.9701% | 970 |
| Total risk-based capital ratio | 25.2301% | 955 |
| Memoranda: | ||
| Average total assets | $102,901,200 | 4,822 |
| Average earning assets | $96,024,600 | 4,750 |
| Average equity | $13,944,200 | 4,118 |
| Average total loans | $51,901,600 | 5,195 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 5,740 |
| Cost of funding earning assets | 0.8131% | 5,065 |
| Net interest margin | 3.5470% | 4,994 |
| Noninterest income to average assets | 0.3209% | 5,302 |
| Noninterest expense to average assets | 2.5750% | 5,171 |
| Loan and lease loss provision to assets | 0.1174% | 4,969 |
| Net operating income to assets | 0.9322% | 2,610 |
| Return on assets (ROA) | 1.0110% | 2,436 |
| Pretax return on assets | 1.0201% | 3,329 |
| Return on Equity (ROE) | 7.4854% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.4854% | 1,717 |
| Net charge-offs to loans | -0.0026% | 6,675 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8797% | 3,764 |
| Assets per employee ($millions) | 4.2228% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9897% | 2,362 |
| Loan loss allowance to noncurrent loans | 79.7565% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.2447% | 4,309 |
| Noncurrent loans to loans | 2.4947% | 2,777 |
| Net loans and leases to total assets | 48.9007% | 5,848 |
| Net loans and leases to deposits | 61.6362% | 5,449 |
| Net loans and leases to core deposits | 67.4947% | 5,239 |
| Total domestic deposits to total assets | 79.3377% | 5,903 |
| Equity capital to assets | 13.8857% | 1,204 |
| Core capital (leverage) ratio | 12.2579% | 1,557 |
| Tier 1 risk-based capital ratio | 24.1987% | 993 |
| Total risk-based capital ratio | 25.4321% | 978 |
| Memoranda: | ||
| Average total assets | $102,210,250 | 4,861 |
| Average earning assets | $95,439,500 | 4,807 |
| Average equity | $13,804,250 | 4,165 |
| Average total loans | $51,726,500 | 5,244 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 5,862 |
| Cost of funding earning assets | 0.8268% | 5,206 |
| Net interest margin | 3.5170% | 5,082 |
| Noninterest income to average assets | 0.2968% | 5,511 |
| Noninterest expense to average assets | 2.5719% | 5,284 |
| Loan and lease loss provision to assets | 0.1187% | 4,790 |
| Net operating income to assets | 0.8796% | 2,738 |
| Return on assets (ROA) | 0.9991% | 2,336 |
| Pretax return on assets | 1.0090% | 3,206 |
| Return on Equity (ROE) | 7.4708% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.4708% | 1,671 |
| Net charge-offs to loans | -0.0039% | 6,561 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8629% | 3,764 |
| Assets per employee ($millions) | 4.1538% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 2,518 |
| Loan loss allowance to noncurrent loans | 76.5989% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 4,338 |
| Noncurrent loans to loans | 2.5442% | 2,839 |
| Net loans and leases to total assets | 49.3225% | 5,909 |
| Net loans and leases to deposits | 62.2527% | 5,469 |
| Net loans and leases to core deposits | 68.2820% | 5,263 |
| Total domestic deposits to total assets | 79.2296% | 6,027 |
| Equity capital to assets | 13.5587% | 1,260 |
| Core capital (leverage) ratio | 12.0874% | 1,560 |
| Tier 1 risk-based capital ratio | 23.5519% | 1,052 |
| Total risk-based capital ratio | 24.8104% | 1,039 |
| Memoranda: | ||
| Average total assets | $101,090,670 | 4,933 |
| Average earning assets | $94,341,670 | 4,873 |
| Average equity | $13,519,330 | 4,219 |
| Average total loans | $51,411,330 | 5,303 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 5,714 |
| Cost of funding earning assets | 0.8358% | 5,358 |
| Net interest margin | 3.5585% | 4,772 |
| Noninterest income to average assets | 0.2969% | 5,542 |
| Noninterest expense to average assets | 2.6957% | 4,854 |
| Loan and lease loss provision to assets | 0.1203% | 4,510 |
| Net operating income to assets | 0.8544% | 2,755 |
| Return on assets (ROA) | 0.8103% | 3,042 |
| Pretax return on assets | 0.7501% | 4,095 |
| Return on Equity (ROE) | 6.1032% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.1032% | 2,577 |
| Net charge-offs to loans | -0.0078% | 6,304 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6667% | 3,395 |
| Assets per employee ($millions) | 4.0538% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 2,648 |
| Loan loss allowance to noncurrent loans | 39.0205% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 2.4984% | 2,734 |
| Noncurrent loans to loans | 4.9015% | 1,385 |
| Net loans and leases to total assets | 49.9970% | 5,851 |
| Net loans and leases to deposits | 62.8699% | 5,402 |
| Net loans and leases to core deposits | 69.3350% | 5,126 |
| Total domestic deposits to total assets | 79.5246% | 6,052 |
| Equity capital to assets | 13.2684% | 1,274 |
| Core capital (leverage) ratio | 11.8857% | 1,628 |
| Tier 1 risk-based capital ratio | 22.5393% | 1,140 |
| Total risk-based capital ratio | 23.7983% | 1,116 |
| Memoranda: | ||
| Average total assets | $99,713,500 | 5,007 |
| Average earning assets | $92,847,500 | 4,948 |
| Average equity | $13,239,000 | 4,283 |
| Average total loans | $50,998,500 | 5,364 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 5,882 |
| Cost of funding earning assets | 1.0410% | 5,476 |
| Net interest margin | 3.6329% | 4,655 |
| Noninterest income to average assets | 0.3190% | 5,510 |
| Noninterest expense to average assets | 2.6607% | 5,174 |
| Loan and lease loss provision to assets | 0.1708% | 5,515 |
| Net operating income to assets | 0.8684% | 2,519 |
| Return on assets (ROA) | 0.9497% | 2,329 |
| Pretax return on assets | 0.9476% | 3,112 |
| Return on Equity (ROE) | 7.0155% | 3,114 |
| Retained earnings to average equity (ytd only) | 4.0968% | 2,991 |
| Net charge-offs to loans | 0.3276% | 4,370 |
| Credit loss provision to net charge-offs | 102.4691% | 4,413 |
| Earnings coverage of net charge-offs (x) | 6.2222% | 2,412 |
| Efficiency ratio | 71.9533% | 3,806 |
| Assets per employee ($millions) | 4.0867% | 3,603 |
| Cash dividends to net income (ytd only)* | 41.6035% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9011% | 2,562 |
| Loan loss allowance to noncurrent loans | 34.9781% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 3.1301% | 2,260 |
| Noncurrent loans to loans | 5.4351% | 1,210 |
| Net loans and leases to total assets | 50.3482% | 6,137 |
| Net loans and leases to deposits | 62.9776% | 5,747 |
| Net loans and leases to core deposits | 70.1210% | 5,435 |
| Total domestic deposits to total assets | 79.9462% | 5,852 |
| Equity capital to assets | 13.2860% | 1,263 |
| Core capital (leverage) ratio | 11.5915% | 1,790 |
| Tier 1 risk-based capital ratio | 21.5486% | 1,238 |
| Total risk-based capital ratio | 22.7774% | 1,218 |
| Memoranda: | ||
| Average total assets | $97,191,000 | 5,073 |
| Average earning assets | $90,396,200 | 5,003 |
| Average equity | $13,156,600 | 4,336 |
| Average total loans | $49,449,800 | 5,505 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6953% | 6,038 |
| Cost of funding earning assets | 1.0859% | 5,513 |
| Net interest margin | 3.6094% | 4,828 |
| Noninterest income to average assets | 0.3451% | 5,406 |
| Noninterest expense to average assets | 2.6620% | 5,046 |
| Loan and lease loss provision to assets | 0.1457% | 5,579 |
| Net operating income to assets | 0.8892% | 2,652 |
| Return on assets (ROA) | 0.9872% | 2,396 |
| Pretax return on assets | 0.9955% | 3,202 |
| Return on Equity (ROE) | 7.2589% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.2589% | 1,720 |
| Net charge-offs to loans | 0.2410% | 4,497 |
| Credit loss provision to net charge-offs | 119.1011% | 3,475 |
| Earnings coverage of net charge-offs (x) | 8.5171% | 2,149 |
| Efficiency ratio | 71.8634% | 3,728 |
| Assets per employee ($millions) | 4.1768% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 2,183 |
| Loan loss allowance to noncurrent loans | 32.2473% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 3.0815% | 2,351 |
| Noncurrent loans to loans | 6.2423% | 971 |
| Net loans and leases to total assets | 47.1025% | 6,602 |
| Net loans and leases to deposits | 59.5047% | 6,353 |
| Net loans and leases to core deposits | 67.7306% | 5,969 |
| Total domestic deposits to total assets | 79.1576% | 5,983 |
| Equity capital to assets | 13.8543% | 1,215 |
| Core capital (leverage) ratio | 11.8889% | 1,722 |
| Tier 1 risk-based capital ratio | 23.0106% | 1,073 |
| Total risk-based capital ratio | 24.2666% | 1,034 |
| Memoranda: | ||
| Average total assets | $96,968,500 | 5,137 |
| Average earning assets | $90,243,250 | 5,058 |
| Average equity | $13,188,000 | 4,397 |
| Average total loans | $49,227,500 | 5,596 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 6,012 |
| Cost of funding earning assets | 1.1472% | 5,422 |
| Net interest margin | 3.5925% | 4,848 |
| Noninterest income to average assets | 0.3066% | 5,709 |
| Noninterest expense to average assets | 2.6701% | 5,036 |
| Loan and lease loss provision to assets | 0.1585% | 5,303 |
| Net operating income to assets | 0.8407% | 2,777 |
| Return on assets (ROA) | 0.8469% | 2,897 |
| Pretax return on assets | 0.8156% | 3,825 |
| Return on Equity (ROE) | 6.2680% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.2680% | 2,189 |
| Net charge-offs to loans | 0.2542% | 4,079 |
| Credit loss provision to net charge-offs | 120.6349% | 3,360 |
| Earnings coverage of net charge-offs (x) | 7.3651% | 2,309 |
| Efficiency ratio | 73.3945% | 3,579 |
| Assets per employee ($millions) | 4.0751% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9220% | 2,367 |
| Loan loss allowance to noncurrent loans | 30.2537% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 3.3598% | 2,093 |
| Noncurrent loans to loans | 6.3528% | 964 |
| Net loans and leases to total assets | 50.4023% | 6,387 |
| Net loans and leases to deposits | 63.2977% | 6,109 |
| Net loans and leases to core deposits | 73.5878% | 5,488 |
| Total domestic deposits to total assets | 79.6274% | 5,851 |
| Equity capital to assets | 13.4556% | 1,363 |
| Core capital (leverage) ratio | 11.7122% | 1,797 |
| Tier 1 risk-based capital ratio | 21.6220% | 1,254 |
| Total risk-based capital ratio | 22.8790% | 1,231 |
| Memoranda: | ||
| Average total assets | $95,877,000 | 5,197 |
| Average earning assets | $88,908,330 | 5,137 |
| Average equity | $12,954,670 | 4,450 |
| Average total loans | $49,574,330 | 5,628 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 5,847 |
| Cost of funding earning assets | 1.1976% | 5,419 |
| Net interest margin | 3.6154% | 4,655 |
| Noninterest income to average assets | 0.3203% | 5,586 |
| Noninterest expense to average assets | 2.7098% | 4,862 |
| Loan and lease loss provision to assets | 0.1517% | 5,021 |
| Net operating income to assets | 0.8134% | 2,908 |
| Return on assets (ROA) | 0.9356% | 2,475 |
| Pretax return on assets | 0.9398% | 3,316 |
| Return on Equity (ROE) | 6.9094% | 3,392 |
| Retained earnings to average equity (ytd only) | 6.9094% | 2,173 |
| Net charge-offs to loans | 0.3819% | 2,904 |
| Credit loss provision to net charge-offs | 76.5957% | 3,960 |
| Earnings coverage of net charge-offs (x) | 4.8936% | 2,518 |
| Efficiency ratio | 73.6541% | 3,626 |
| Assets per employee ($millions) | 4.0063% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9331% | 2,352 |
| Loan loss allowance to noncurrent loans | 29.1409% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 3.5610% | 1,968 |
| Noncurrent loans to loans | 6.6336% | 937 |
| Net loans and leases to total assets | 49.7535% | 6,487 |
| Net loans and leases to deposits | 62.5534% | 6,224 |
| Net loans and leases to core deposits | 72.7158% | 5,640 |
| Total domestic deposits to total assets | 79.5376% | 5,935 |
| Equity capital to assets | 13.4849% | 1,332 |
| Core capital (leverage) ratio | 11.8532% | 1,723 |
| Tier 1 risk-based capital ratio | 21.8393% | 1,220 |
| Total risk-based capital ratio | 23.0965% | 1,209 |
| Memoranda: | ||
| Average total assets | $94,914,000 | 5,290 |
| Average earning assets | $88,179,500 | 5,234 |
| Average equity | $12,852,000 | 4,511 |
| Average total loans | $49,231,000 | 5,702 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2626% | 5,358 |
| Cost of funding earning assets | 1.5959% | 5,044 |
| Net interest margin | 3.6667% | 4,275 |
| Noninterest income to average assets | 0.4100% | 5,125 |
| Noninterest expense to average assets | 2.6593% | 5,557 |
| Loan and lease loss provision to assets | 0.4668% | 4,035 |
| Net operating income to assets | 0.7512% | 2,716 |
| Return on assets (ROA) | 0.7920% | 2,654 |
| Pretax return on assets | 0.7469% | 3,418 |
| Return on Equity (ROE) | 5.9899% | 3,215 |
| Retained earnings to average equity (ytd only) | 2.9706% | 3,086 |
| Net charge-offs to loans | 0.2285% | 5,186 |
| Credit loss provision to net charge-offs | 375.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 9.4224% | 1,800 |
| Efficiency ratio | 69.3923% | 4,751 |
| Assets per employee ($millions) | 3.7470% | 4,400 |
| Cash dividends to net income (ytd only)* | 50.4065% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 2,192 |
| Loan loss allowance to noncurrent loans | 27.1287% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 3.7939% | 1,751 |
| Noncurrent loans to loans | 7.1155% | 778 |
| Net loans and leases to total assets | 52.0101% | 6,419 |
| Net loans and leases to deposits | 65.6193% | 6,094 |
| Net loans and leases to core deposits | 84.0771% | 5,704 |
| Total domestic deposits to total assets | 79.2604% | 5,917 |
| Equity capital to assets | 13.5979% | 1,282 |
| Core capital (leverage) ratio | 11.5505% | 1,888 |
| Tier 1 risk-based capital ratio | 21.3624% | 1,241 |
| Total risk-based capital ratio | 22.6213% | 1,211 |
| Memoranda: | ||
| Average total assets | $93,182,000 | 5,295 |
| Average earning assets | $86,972,800 | 5,229 |
| Average equity | $12,320,800 | 4,672 |
| Average total loans | $50,767,000 | 5,634 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 5,423 |
| Cost of funding earning assets | 1.6828% | 4,986 |
| Net interest margin | 3.6171% | 4,420 |
| Noninterest income to average assets | 0.4198% | 5,135 |
| Noninterest expense to average assets | 2.6563% | 5,504 |
| Loan and lease loss provision to assets | 0.6233% | 2,900 |
| Net operating income to assets | 0.5473% | 3,800 |
| Return on assets (ROA) | 0.7006% | 3,262 |
| Pretax return on assets | 0.6720% | 3,954 |
| Return on Equity (ROE) | 5.3369% | 3,817 |
| Retained earnings to average equity (ytd only) | 5.3369% | 2,288 |
| Net charge-offs to loans | 0.1985% | 4,825 |
| Credit loss provision to net charge-offs | 572.3684% | 680 |
| Earnings coverage of net charge-offs (x) | 10.4869% | 1,960 |
| Efficiency ratio | 69.9359% | 4,606 |
| Assets per employee ($millions) | 3.8094% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 1,884 |
| Loan loss allowance to noncurrent loans | 29.5475% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 3.5764% | 1,845 |
| Noncurrent loans to loans | 6.6452% | 853 |
| Net loans and leases to total assets | 52.3752% | 6,571 |
| Net loans and leases to deposits | 66.2681% | 6,285 |
| Net loans and leases to core deposits | 84.6098% | 5,992 |
| Total domestic deposits to total assets | 79.0352% | 5,791 |
| Equity capital to assets | 13.6997% | 1,416 |
| Core capital (leverage) ratio | 11.8414% | 1,874 |
| Tier 1 risk-based capital ratio | 21.2938% | 1,329 |
| Total risk-based capital ratio | 22.5520% | 1,300 |
| Memoranda: | ||
| Average total assets | $93,058,500 | 5,333 |
| Average earning assets | $86,918,500 | 5,270 |
| Average equity | $12,216,500 | 4,741 |
| Average total loans | $51,038,750 | 5,669 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 5,115 |
| Cost of funding earning assets | 1.7559% | 4,970 |
| Net interest margin | 3.6510% | 4,159 |
| Noninterest income to average assets | 0.3986% | 5,303 |
| Noninterest expense to average assets | 2.6578% | 5,530 |
| Loan and lease loss provision to assets | 0.8339% | 2,007 |
| Net operating income to assets | 0.3704% | 4,621 |
| Return on assets (ROA) | 0.5588% | 3,955 |
| Pretax return on assets | 0.5047% | 4,604 |
| Return on Equity (ROE) | 4.3217% | 4,371 |
| Retained earnings to average equity (ytd only) | 4.3217% | 2,896 |
| Net charge-offs to loans | 0.0939% | 5,240 |
| Credit loss provision to net charge-offs | 1,604.1667% | 318 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,240 |
| Efficiency ratio | 69.7952% | 4,821 |
| Assets per employee ($millions) | 3.8447% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 1,569 |
| Loan loss allowance to noncurrent loans | 28.6737% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 3.7833% | 1,610 |
| Noncurrent loans to loans | 6.9699% | 705 |
| Net loans and leases to total assets | 53.1965% | 6,548 |
| Net loans and leases to deposits | 66.7673% | 6,324 |
| Net loans and leases to core deposits | 86.0554% | 5,898 |
| Total domestic deposits to total assets | 79.6744% | 5,564 |
| Equity capital to assets | 13.1588% | 1,634 |
| Core capital (leverage) ratio | 11.5553% | 2,058 |
| Tier 1 risk-based capital ratio | 20.5089% | 1,483 |
| Total risk-based capital ratio | 21.7295% | 1,452 |
| Memoranda: | ||
| Average total assets | $92,332,670 | 5,395 |
| Average earning assets | $86,222,000 | 5,326 |
| Average equity | $11,939,670 | 4,827 |
| Average total loans | $51,092,000 | 5,716 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 5,207 |
| Cost of funding earning assets | 1.7745% | 5,243 |
| Net interest margin | 3.6698% | 4,019 |
| Noninterest income to average assets | 0.4201% | 5,052 |
| Noninterest expense to average assets | 2.6721% | 5,140 |
| Loan and lease loss provision to assets | 0.5847% | 2,153 |
| Net operating income to assets | 0.6280% | 3,896 |
| Return on assets (ROA) | 0.5933% | 4,240 |
| Pretax return on assets | 0.5500% | 4,916 |
| Return on Equity (ROE) | 4.6290% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.6290% | 3,344 |
| Net charge-offs to loans | 0.0853% | 4,311 |
| Credit loss provision to net charge-offs | 1,227.2727% | 516 |
| Earnings coverage of net charge-offs (x) | 24.5455% | 1,237 |
| Efficiency ratio | 69.5603% | 4,668 |
| Assets per employee ($millions) | 3.8994% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,027 |
| Loan loss allowance to noncurrent loans | 33.5972% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 2.4299% | 2,359 |
| Noncurrent loans to loans | 4.4480% | 1,298 |
| Net loans and leases to total assets | 53.8115% | 6,485 |
| Net loans and leases to deposits | 67.3902% | 6,233 |
| Net loans and leases to core deposits | 86.4475% | 5,871 |
| Total domestic deposits to total assets | 79.8506% | 5,419 |
| Equity capital to assets | 12.8363% | 1,814 |
| Core capital (leverage) ratio | 11.7272% | 2,032 |
| Tier 1 risk-based capital ratio | 20.2049% | 1,582 |
| Total risk-based capital ratio | 21.4572% | 1,537 |
| Memoranda: | ||
| Average total assets | $92,362,500 | 5,410 |
| Average earning assets | $86,109,000 | 5,352 |
| Average equity | $11,838,500 | 4,890 |
| Average total loans | $51,594,500 | 5,733 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0230% | 5,441 |
| Cost of funding earning assets | 2.1376% | 5,889 |
| Net interest margin | 3.8855% | 3,635 |
| Noninterest income to average assets | 0.3589% | 5,855 |
| Noninterest expense to average assets | 2.4627% | 6,159 |
| Loan and lease loss provision to assets | 0.2158% | 4,728 |
| Net operating income to assets | 1.1003% | 2,148 |
| Return on assets (ROA) | 1.0803% | 2,140 |
| Pretax return on assets | 1.2927% | 2,334 |
| Return on Equity (ROE) | 8.2576% | 2,952 |
| Retained earnings to average equity (ytd only) | 5.1317% | 1,944 |
| Net charge-offs to loans | 0.1051% | 5,250 |
| Credit loss provision to net charge-offs | 372.5490% | 1,186 |
| Earnings coverage of net charge-offs (x) | 26.4510% | 1,287 |
| Efficiency ratio | 61.6434% | 6,019 |
| Assets per employee ($millions) | 3.7975% | 3,964 |
| Cash dividends to net income (ytd only)* | 37.8549% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 4,694 |
| Loan loss allowance to noncurrent loans | 25.2774% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 2.6695% | 1,786 |
| Noncurrent loans to loans | 4.6730% | 1,003 |
| Net loans and leases to total assets | 56.4522% | 6,381 |
| Net loans and leases to deposits | 72.3832% | 6,012 |
| Net loans and leases to core deposits | 90.9364% | 5,725 |
| Total domestic deposits to total assets | 77.9908% | 5,718 |
| Equity capital to assets | 12.7980% | 1,870 |
| Core capital (leverage) ratio | 11.3539% | 2,337 |
| Tier 1 risk-based capital ratio | 17.9171% | 2,060 |
| Total risk-based capital ratio | 19.0301% | 2,033 |
| Memoranda: | ||
| Average total assets | $88,035,000 | 5,419 |
| Average earning assets | $82,383,800 | 5,355 |
| Average equity | $11,516,600 | 4,965 |
| Average total loans | $48,546,000 | 5,756 |