Home > The First National Bank of Waynesboro > Performance and Condition Ratios
The First National Bank of Waynesboro, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6937% | 937 |
| Cost of funding earning assets | 0.6423% | 4,009 |
| Net interest margin | 5.0514% | 297 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 2.7085% | 1,716 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 2.1405% | 372 |
| Return on assets (ROA) | 2.1284% | 371 |
| Pretax return on assets | 2.9159% | 218 |
| Return on Equity (ROE) | 14.0200% | 1,480 |
| Retained earnings to average equity (ytd only) | 12.5867% | 564 |
| Net charge-offs to loans | 0.0399% | 1,517 |
| Credit loss provision to net charge-offs | 510.6383% | 657 |
| Earnings coverage of net charge-offs (x) | 131.9787% | 776 |
| Efficiency ratio | 47.0417% | 4,147 |
| Assets per employee ($millions) | 5.9158% | 2,886 |
| Cash dividends to net income (ytd only)* | 10.2540% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 1,388 |
| Loan loss allowance to noncurrent loans | 538.8199% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 2,490 |
| Noncurrent loans to loans | 0.2603% | 2,251 |
| Net loans and leases to total assets | 58.9100% | 2,959 |
| Net loans and leases to deposits | 70.7897% | 2,832 |
| Net loans and leases to core deposits | 76.5555% | 2,938 |
| Total domestic deposits to total assets | 83.2200% | 2,836 |
| Equity capital to assets | 15.8374% | 479 |
| Core capital (leverage) ratio | 16.7777% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6515% | 228 |
| Memoranda: | ||
| Average total assets | $203,435,200 | 2,970 |
| Average earning assets | $191,651,600 | 2,933 |
| Average equity | $30,873,800 | 2,230 |
| Average total loans | $117,731,400 | 2,977 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 908 |
| Cost of funding earning assets | 0.5738% | 4,020 |
| Net interest margin | 5.0280% | 297 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 2.6432% | 1,817 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.1986% | 376 |
| Return on assets (ROA) | 2.1856% | 379 |
| Pretax return on assets | 2.9256% | 248 |
| Return on Equity (ROE) | 14.5600% | 1,534 |
| Retained earnings to average equity (ytd only) | 14.5638% | 608 |
| Net charge-offs to loans | 0.0665% | 1,008 |
| Credit loss provision to net charge-offs | 310.3448% | 862 |
| Earnings coverage of net charge-offs (x) | 80.1552% | 1,045 |
| Efficiency ratio | 46.3412% | 4,116 |
| Assets per employee ($millions) | 5.4771% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,629 |
| Loan loss allowance to noncurrent loans | 472.7273% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 2,395 |
| Noncurrent loans to loans | 0.2871% | 2,210 |
| Net loans and leases to total assets | 61.3300% | 2,723 |
| Net loans and leases to deposits | 73.8351% | 2,582 |
| Net loans and leases to core deposits | 80.1757% | 2,587 |
| Total domestic deposits to total assets | 83.0700% | 3,004 |
| Equity capital to assets | 16.0158% | 447 |
| Core capital (leverage) ratio | 16.8222% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4798% | 238 |
| Memoranda: | ||
| Average total assets | $202,530,500 | 2,976 |
| Average earning assets | $190,526,750 | 2,949 |
| Average equity | $30,394,250 | 2,236 |
| Average total loans | $116,235,000 | 3,000 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4798% | 857 |
| Cost of funding earning assets | 0.4828% | 4,015 |
| Net interest margin | 4.9971% | 312 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 2.5901% | 1,953 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 2.2890% | 311 |
| Return on assets (ROA) | 2.2759% | 309 |
| Pretax return on assets | 2.9122% | 225 |
| Return on Equity (ROE) | 15.5000% | 1,363 |
| Retained earnings to average equity (ytd only) | 15.5003% | 517 |
| Net charge-offs to loans | 0.0964% | 695 |
| Credit loss provision to net charge-offs | 218.1818% | 1,009 |
| Earnings coverage of net charge-offs (x) | 56.5818% | 1,222 |
| Efficiency ratio | 45.9535% | 4,168 |
| Assets per employee ($millions) | 5.9290% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,654 |
| Loan loss allowance to noncurrent loans | 609.0909% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,537 |
| Noncurrent loans to loans | 0.2243% | 2,365 |
| Net loans and leases to total assets | 55.9400% | 3,123 |
| Net loans and leases to deposits | 66.4020% | 3,040 |
| Net loans and leases to core deposits | 71.6325% | 3,033 |
| Total domestic deposits to total assets | 84.2500% | 2,764 |
| Equity capital to assets | 14.9974% | 525 |
| Core capital (leverage) ratio | 16.2470% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5844% | 227 |
| Memoranda: | ||
| Average total assets | $204,316,000 | 2,972 |
| Average earning assets | $192,231,667 | 2,949 |
| Average equity | $29,999,333 | 2,264 |
| Average total loans | $114,114,333 | 3,018 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2677% | 863 |
| Cost of funding earning assets | 0.4129% | 3,930 |
| Net interest margin | 4.8547% | 345 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 2.4349% | 2,420 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.3946% | 282 |
| Return on assets (ROA) | 2.3817% | 281 |
| Pretax return on assets | 2.9065% | 219 |
| Return on Equity (ROE) | 16.4000% | 1,282 |
| Retained earnings to average equity (ytd only) | 16.4006% | 652 |
| Net charge-offs to loans | 0.0534% | 827 |
| Credit loss provision to net charge-offs | 400.0000% | 607 |
| Earnings coverage of net charge-offs (x) | 102.7333% | 777 |
| Efficiency ratio | 44.4685% | 4,284 |
| Assets per employee ($millions) | 5.8228% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 1,554 |
| Loan loss allowance to noncurrent loans | 530.7692% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,485 |
| Noncurrent loans to loans | 0.2672% | 2,191 |
| Net loans and leases to total assets | 54.1200% | 3,193 |
| Net loans and leases to deposits | 64.0177% | 3,083 |
| Net loans and leases to core deposits | 67.7483% | 3,113 |
| Total domestic deposits to total assets | 84.5500% | 2,963 |
| Equity capital to assets | 14.8152% | 497 |
| Core capital (leverage) ratio | 15.4533% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8930% | 232 |
| Memoranda: | ||
| Average total assets | $202,716,000 | 3,022 |
| Average earning assets | $190,825,000 | 2,997 |
| Average equity | $29,438,000 | 2,315 |
| Average total loans | $112,320,500 | 3,072 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 1,093 |
| Cost of funding earning assets | 0.1795% | 3,910 |
| Net interest margin | 4.0993% | 659 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.6071% | 1,810 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.5666% | 748 |
| Return on assets (ROA) | 1.5465% | 759 |
| Pretax return on assets | 2.0330% | 441 |
| Return on Equity (ROE) | 11.0600% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.5843% | 1,287 |
| Net charge-offs to loans | 0.0465% | 1,224 |
| Credit loss provision to net charge-offs | 389.7959% | 787 |
| Earnings coverage of net charge-offs (x) | 88.3469% | 1,031 |
| Efficiency ratio | 54.7649% | 3,711 |
| Assets per employee ($millions) | 5.6010% | 3,124 |
| Cash dividends to net income (ytd only)* | 13.3483% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,613 |
| Loan loss allowance to noncurrent loans | 647.8992% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,699 |
| Noncurrent loans to loans | 0.2111% | 2,434 |
| Net loans and leases to total assets | 55.1500% | 3,106 |
| Net loans and leases to deposits | 64.7211% | 2,977 |
| Net loans and leases to core deposits | 66.1954% | 3,122 |
| Total domestic deposits to total assets | 85.2200% | 2,930 |
| Equity capital to assets | 14.2252% | 553 |
| Core capital (leverage) ratio | 15.2085% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5139% | 229 |
| Memoranda: | ||
| Average total assets | $201,031,800 | 3,041 |
| Average earning assets | $190,006,600 | 3,002 |
| Average equity | $28,108,600 | 2,424 |
| Average total loans | $105,272,200 | 3,080 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 1,424 |
| Cost of funding earning assets | 0.1610% | 3,435 |
| Net interest margin | 3.5879% | 1,085 |
| Noninterest income to average assets | 0.8530% | 933 |
| Noninterest expense to average assets | 2.3817% | 2,290 |
| Loan and lease loss provision to assets | 0.1189% | 841 |
| Net operating income to assets | 1.3824% | 947 |
| Return on assets (ROA) | 1.3573% | 986 |
| Pretax return on assets | 1.7209% | 714 |
| Return on Equity (ROE) | 9.7942% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.7942% | 1,076 |
| Net charge-offs to loans | -0.0039% | 3,273 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9981% | 3,771 |
| Assets per employee ($millions) | 5.3656% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,561 |
| Loan loss allowance to noncurrent loans | 658.8745% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 2,913 |
| Noncurrent loans to loans | 0.2199% | 2,622 |
| Net loans and leases to total assets | 50.7698% | 3,291 |
| Net loans and leases to deposits | 59.2512% | 3,110 |
| Net loans and leases to core deposits | 62.0752% | 3,110 |
| Total domestic deposits to total assets | 85.6856% | 3,324 |
| Equity capital to assets | 13.5939% | 571 |
| Core capital (leverage) ratio | 14.3473% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7383% | 215 |
| Memoranda: | ||
| Average total assets | $201,869,333 | 3,084 |
| Average earning assets | $191,309,667 | 3,052 |
| Average equity | $27,975,667 | 2,528 |
| Average total loans | $101,494,333 | 3,162 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 1,637 |
| Cost of funding earning assets | 0.1613% | 3,349 |
| Net interest margin | 3.3943% | 1,312 |
| Noninterest income to average assets | 0.7926% | 1,060 |
| Noninterest expense to average assets | 2.3320% | 2,388 |
| Loan and lease loss provision to assets | 0.1195% | 700 |
| Net operating income to assets | 1.2685% | 1,073 |
| Return on assets (ROA) | 1.2427% | 1,120 |
| Pretax return on assets | 1.5354% | 947 |
| Return on Equity (ROE) | 8.8810% | 2,361 |
| Retained earnings to average equity (ytd only) | 8.8810% | 1,302 |
| Net charge-offs to loans | 0.0160% | 1,216 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 211.7500% | 414 |
| Efficiency ratio | 58.0278% | 3,678 |
| Assets per employee ($millions) | 5.4778% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,660 |
| Loan loss allowance to noncurrent loans | 804.4199% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 3,184 |
| Noncurrent loans to loans | 0.1824% | 2,905 |
| Net loans and leases to total assets | 48.2534% | 3,361 |
| Net loans and leases to deposits | 56.3721% | 3,234 |
| Net loans and leases to core deposits | 59.0904% | 3,228 |
| Total domestic deposits to total assets | 85.5980% | 3,382 |
| Equity capital to assets | 13.7379% | 566 |
| Core capital (leverage) ratio | 13.8362% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5783% | 200 |
| Memoranda: | ||
| Average total assets | $200,857,500 | 3,096 |
| Average earning assets | $190,906,500 | 3,073 |
| Average equity | $28,105,000 | 2,599 |
| Average total loans | $99,722,500 | 3,194 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 1,850 |
| Cost of funding earning assets | 0.1914% | 3,548 |
| Net interest margin | 3.6150% | 1,427 |
| Noninterest income to average assets | 0.9477% | 1,094 |
| Noninterest expense to average assets | 2.4818% | 2,236 |
| Loan and lease loss provision to assets | 0.0391% | 2,258 |
| Net operating income to assets | 1.4167% | 1,225 |
| Return on assets (ROA) | 1.3744% | 1,414 |
| Pretax return on assets | 1.7957% | 921 |
| Return on Equity (ROE) | 9.1018% | 2,873 |
| Retained earnings to average equity (ytd only) | 4.6858% | 2,929 |
| Net charge-offs to loans | -0.0283% | 4,101 |
| Credit loss provision to net charge-offs | -270.3704% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7889% | 3,603 |
| Assets per employee ($millions) | 5.3793% | 3,384 |
| Cash dividends to net income (ytd only)* | 48.5179% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 1,931 |
| Loan loss allowance to noncurrent loans | 627.8027% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 3,144 |
| Noncurrent loans to loans | 0.2226% | 2,850 |
| Net loans and leases to total assets | 49.6340% | 3,333 |
| Net loans and leases to deposits | 58.3404% | 3,224 |
| Net loans and leases to core deposits | 60.6421% | 3,271 |
| Total domestic deposits to total assets | 85.0765% | 3,249 |
| Equity capital to assets | 14.2518% | 620 |
| Core capital (leverage) ratio | 14.8336% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9161% | 219 |
| Memoranda: | ||
| Average total assets | $186,555,600 | 3,153 |
| Average earning assets | $176,626,400 | 3,120 |
| Average equity | $28,170,200 | 2,641 |
| Average total loans | $95,538,800 | 3,256 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 1,759 |
| Cost of funding earning assets | 0.2006% | 3,597 |
| Net interest margin | 3.7004% | 1,327 |
| Noninterest income to average assets | 0.9231% | 1,209 |
| Noninterest expense to average assets | 2.4146% | 2,395 |
| Loan and lease loss provision to assets | 0.1308% | 883 |
| Net operating income to assets | 1.5175% | 1,229 |
| Return on assets (ROA) | 1.4733% | 1,382 |
| Pretax return on assets | 1.8222% | 1,111 |
| Return on Equity (ROE) | 9.6105% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.4157% | 1,904 |
| Net charge-offs to loans | -0.0297% | 4,127 |
| Credit loss provision to net charge-offs | -857.1429% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6022% | 3,718 |
| Assets per employee ($millions) | 5.0654% | 3,636 |
| Cash dividends to net income (ytd only)* | 12.4322% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,474 |
| Loan loss allowance to noncurrent loans | 584.0467% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 3,173 |
| Noncurrent loans to loans | 0.2648% | 2,865 |
| Net loans and leases to total assets | 52.4088% | 3,159 |
| Net loans and leases to deposits | 63.0659% | 2,948 |
| Net loans and leases to core deposits | 65.7557% | 2,972 |
| Total domestic deposits to total assets | 83.1016% | 3,681 |
| Equity capital to assets | 15.8970% | 428 |
| Core capital (leverage) ratio | 15.5313% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2313% | 211 |
| Memoranda: | ||
| Average total assets | $183,435,750 | 3,219 |
| Average earning assets | $173,455,000 | 3,186 |
| Average equity | $28,121,250 | 2,674 |
| Average total loans | $94,376,250 | 3,318 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 1,641 |
| Cost of funding earning assets | 0.2106% | 3,648 |
| Net interest margin | 3.7566% | 1,207 |
| Noninterest income to average assets | 0.9271% | 1,201 |
| Noninterest expense to average assets | 2.3580% | 2,591 |
| Loan and lease loss provision to assets | 0.1306% | 950 |
| Net operating income to assets | 1.6264% | 994 |
| Return on assets (ROA) | 1.5800% | 1,152 |
| Pretax return on assets | 1.9337% | 944 |
| Return on Equity (ROE) | 10.4340% | 2,608 |
| Retained earnings to average equity (ytd only) | 10.4340% | 1,278 |
| Net charge-offs to loans | -0.0449% | 4,324 |
| Credit loss provision to net charge-offs | -571.4286% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6482% | 3,971 |
| Assets per employee ($millions) | 5.2333% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,512 |
| Loan loss allowance to noncurrent loans | 565.0980% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 3,320 |
| Noncurrent loans to loans | 0.2696% | 2,971 |
| Net loans and leases to total assets | 50.8561% | 3,464 |
| Net loans and leases to deposits | 60.9098% | 3,309 |
| Net loans and leases to core deposits | 63.4805% | 3,336 |
| Total domestic deposits to total assets | 83.4940% | 3,581 |
| Equity capital to assets | 15.5964% | 458 |
| Core capital (leverage) ratio | 14.9513% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6562% | 206 |
| Memoranda: | ||
| Average total assets | $183,796,000 | 3,219 |
| Average earning assets | $173,774,667 | 3,186 |
| Average equity | $27,832,000 | 2,685 |
| Average total loans | $93,478,000 | 3,343 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 3,003 |
| Cost of funding earning assets | 0.2248% | 3,681 |
| Net interest margin | 3.2482% | 2,551 |
| Noninterest income to average assets | 0.9668% | 1,194 |
| Noninterest expense to average assets | 2.3660% | 2,606 |
| Loan and lease loss provision to assets | 0.1304% | 1,050 |
| Net operating income to assets | 1.2248% | 2,057 |
| Return on assets (ROA) | 1.1819% | 2,292 |
| Pretax return on assets | 1.4926% | 2,012 |
| Return on Equity (ROE) | 7.9230% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.9230% | 2,267 |
| Net charge-offs to loans | -0.0818% | 4,572 |
| Credit loss provision to net charge-offs | -315.7895% | 3,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5169% | 3,232 |
| Assets per employee ($millions) | 5.1728% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,623 |
| Loan loss allowance to noncurrent loans | 343.8903% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,073 |
| Noncurrent loans to loans | 0.4349% | 2,554 |
| Net loans and leases to total assets | 48.7727% | 3,737 |
| Net loans and leases to deposits | 57.8990% | 3,652 |
| Net loans and leases to core deposits | 59.8636% | 3,708 |
| Total domestic deposits to total assets | 84.2375% | 3,360 |
| Equity capital to assets | 14.8947% | 511 |
| Core capital (leverage) ratio | 15.0621% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1115% | 204 |
| Memoranda: | ||
| Average total assets | $184,112,000 | 3,214 |
| Average earning assets | $174,373,000 | 3,175 |
| Average equity | $27,464,500 | 2,702 |
| Average total loans | $92,921,500 | 3,364 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 1,655 |
| Cost of funding earning assets | 0.3274% | 3,990 |
| Net interest margin | 4.0473% | 883 |
| Noninterest income to average assets | 0.8282% | 1,459 |
| Noninterest expense to average assets | 2.7181% | 2,184 |
| Loan and lease loss provision to assets | 0.1619% | 2,350 |
| Net operating income to assets | 1.3850% | 1,055 |
| Return on assets (ROA) | 1.3668% | 1,181 |
| Pretax return on assets | 1.7274% | 808 |
| Return on Equity (ROE) | 8.3946% | 2,652 |
| Retained earnings to average equity (ytd only) | 7.1402% | 1,345 |
| Net charge-offs to loans | 0.0639% | 1,865 |
| Credit loss provision to net charge-offs | 433.3333% | 1,362 |
| Earnings coverage of net charge-offs (x) | 51.1833% | 1,176 |
| Efficiency ratio | 58.7009% | 3,634 |
| Assets per employee ($millions) | 5.2001% | 3,160 |
| Cash dividends to net income (ytd only)* | 14.9431% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,015 |
| Loan loss allowance to noncurrent loans | 318.6275% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 3,161 |
| Noncurrent loans to loans | 0.4357% | 2,664 |
| Net loans and leases to total assets | 50.7349% | 3,764 |
| Net loans and leases to deposits | 60.2244% | 3,742 |
| Net loans and leases to core deposits | 62.3285% | 3,813 |
| Total domestic deposits to total assets | 84.2431% | 3,036 |
| Equity capital to assets | 14.9404% | 584 |
| Core capital (leverage) ratio | 15.8821% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4738% | 209 |
| Memoranda: | ||
| Average total assets | $160,591,400 | 3,278 |
| Average earning assets | $150,865,200 | 3,257 |
| Average equity | $26,147,800 | 2,732 |
| Average total loans | $93,920,000 | 3,341 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 1,301 |
| Cost of funding earning assets | 0.3468% | 4,071 |
| Net interest margin | 4.2542% | 647 |
| Noninterest income to average assets | 0.8151% | 1,436 |
| Noninterest expense to average assets | 2.8214% | 1,911 |
| Loan and lease loss provision to assets | 0.1933% | 2,046 |
| Net operating income to assets | 1.4179% | 1,067 |
| Return on assets (ROA) | 1.4111% | 1,168 |
| Pretax return on assets | 1.7847% | 804 |
| Return on Equity (ROE) | 8.4623% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.4623% | 1,150 |
| Net charge-offs to loans | 0.0922% | 1,384 |
| Credit loss provision to net charge-offs | 346.1538% | 1,621 |
| Earnings coverage of net charge-offs (x) | 35.5846% | 1,447 |
| Efficiency ratio | 58.6817% | 3,571 |
| Assets per employee ($millions) | 4.5989% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,038 |
| Loan loss allowance to noncurrent loans | 272.7273% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 3,016 |
| Noncurrent loans to loans | 0.4876% | 2,602 |
| Net loans and leases to total assets | 58.0848% | 3,406 |
| Net loans and leases to deposits | 70.7615% | 3,237 |
| Net loans and leases to core deposits | 73.9313% | 3,324 |
| Total domestic deposits to total assets | 82.0853% | 3,398 |
| Equity capital to assets | 16.7144% | 400 |
| Core capital (leverage) ratio | 16.2900% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8485% | 226 |
| Memoranda: | ||
| Average total assets | $155,238,500 | 3,313 |
| Average earning assets | $145,704,250 | 3,297 |
| Average equity | $25,886,750 | 2,739 |
| Average total loans | $93,990,250 | 3,350 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6931% | 1,425 |
| Cost of funding earning assets | 0.3606% | 4,225 |
| Net interest margin | 4.3325% | 700 |
| Noninterest income to average assets | 0.8205% | 1,377 |
| Noninterest expense to average assets | 2.8279% | 2,030 |
| Loan and lease loss provision to assets | 0.2152% | 1,935 |
| Net operating income to assets | 1.4806% | 956 |
| Return on assets (ROA) | 1.4922% | 1,013 |
| Pretax return on assets | 1.8509% | 738 |
| Return on Equity (ROE) | 8.9558% | 2,379 |
| Retained earnings to average equity (ytd only) | 8.9558% | 1,024 |
| Net charge-offs to loans | 0.0832% | 1,417 |
| Credit loss provision to net charge-offs | 423.0769% | 1,357 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 1,239 |
| Efficiency ratio | 57.9524% | 3,691 |
| Assets per employee ($millions) | 4.4726% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,100 |
| Loan loss allowance to noncurrent loans | 182.9851% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 2,628 |
| Noncurrent loans to loans | 0.6994% | 2,130 |
| Net loans and leases to total assets | 58.7310% | 3,450 |
| Net loans and leases to deposits | 71.2223% | 3,330 |
| Net loans and leases to core deposits | 74.3901% | 3,427 |
| Total domestic deposits to total assets | 82.4616% | 3,251 |
| Equity capital to assets | 16.3764% | 425 |
| Core capital (leverage) ratio | 16.8337% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6167% | 248 |
| Memoranda: | ||
| Average total assets | $153,330,333 | 3,318 |
| Average earning assets | $143,657,667 | 3,299 |
| Average equity | $25,547,667 | 2,746 |
| Average total loans | $93,735,333 | 3,339 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 1,468 |
| Cost of funding earning assets | 0.3772% | 4,436 |
| Net interest margin | 4.4036% | 621 |
| Noninterest income to average assets | 0.9017% | 1,060 |
| Noninterest expense to average assets | 2.9514% | 2,005 |
| Loan and lease loss provision to assets | 0.1739% | 1,699 |
| Net operating income to assets | 1.5483% | 700 |
| Return on assets (ROA) | 1.5439% | 776 |
| Pretax return on assets | 1.8944% | 575 |
| Return on Equity (ROE) | 9.1815% | 2,035 |
| Retained earnings to average equity (ytd only) | 9.1815% | 920 |
| Net charge-offs to loans | 0.0216% | 1,935 |
| Credit loss provision to net charge-offs | 1,300.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 419 |
| Efficiency ratio | 58.7327% | 3,908 |
| Assets per employee ($millions) | 4.3125% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,495 |
| Loan loss allowance to noncurrent loans | 210.9091% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 2,984 |
| Noncurrent loans to loans | 0.5846% | 2,545 |
| Net loans and leases to total assets | 61.5599% | 3,343 |
| Net loans and leases to deposits | 74.8303% | 3,184 |
| Net loans and leases to core deposits | 78.3850% | 3,327 |
| Total domestic deposits to total assets | 82.2660% | 3,339 |
| Equity capital to assets | 16.6614% | 489 |
| Core capital (leverage) ratio | 17.1767% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8865% | 264 |
| Memoranda: | ||
| Average total assets | $149,489,500 | 3,326 |
| Average earning assets | $139,975,500 | 3,309 |
| Average equity | $25,137,500 | 2,766 |
| Average total loans | $92,708,000 | 3,346 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 1,172 |
| Cost of funding earning assets | 0.3449% | 4,610 |
| Net interest margin | 4.7773% | 412 |
| Noninterest income to average assets | 1.1318% | 730 |
| Noninterest expense to average assets | 3.3019% | 1,294 |
| Loan and lease loss provision to assets | 0.1508% | 1,413 |
| Net operating income to assets | 1.6716% | 707 |
| Return on assets (ROA) | 1.6653% | 763 |
| Pretax return on assets | 2.1371% | 435 |
| Return on Equity (ROE) | 9.5052% | 2,517 |
| Retained earnings to average equity (ytd only) | 6.5007% | 1,606 |
| Net charge-offs to loans | 0.1802% | 1,116 |
| Credit loss provision to net charge-offs | 131.2500% | 1,944 |
| Earnings coverage of net charge-offs (x) | 19.9813% | 1,962 |
| Efficiency ratio | 58.9865% | 3,836 |
| Assets per employee ($millions) | 4.2298% | 3,598 |
| Cash dividends to net income (ytd only)* | 31.6085% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,416 |
| Loan loss allowance to noncurrent loans | 164.9175% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 2,597 |
| Noncurrent loans to loans | 0.7302% | 2,054 |
| Net loans and leases to total assets | 60.9553% | 3,507 |
| Net loans and leases to deposits | 74.3898% | 3,314 |
| Net loans and leases to core deposits | 78.0090% | 3,448 |
| Total domestic deposits to total assets | 81.9404% | 3,522 |
| Equity capital to assets | 16.9728% | 469 |
| Core capital (leverage) ratio | 17.7180% | 359 |
| Tier 1 risk-based capital ratio | 29.7821% | 481 |
| Total risk-based capital ratio | 31.0320% | 475 |
| Memoranda: | ||
| Average total assets | $139,253,200 | 3,448 |
| Average earning assets | $130,178,400 | 3,421 |
| Average equity | $24,397,200 | 2,763 |
| Average total loans | $88,780,200 | 3,429 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 1,053 |
| Cost of funding earning assets | 0.3408% | 4,687 |
| Net interest margin | 4.8530% | 377 |
| Noninterest income to average assets | 1.1625% | 675 |
| Noninterest expense to average assets | 3.3192% | 1,232 |
| Loan and lease loss provision to assets | 0.1985% | 889 |
| Net operating income to assets | 1.7047% | 736 |
| Return on assets (ROA) | 1.6985% | 785 |
| Pretax return on assets | 2.1665% | 483 |
| Return on Equity (ROE) | 9.6137% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.3715% | 938 |
| Net charge-offs to loans | 0.1255% | 1,257 |
| Credit loss provision to net charge-offs | 245.7831% | 1,111 |
| Earnings coverage of net charge-offs (x) | 29.3866% | 1,645 |
| Efficiency ratio | 58.3148% | 3,891 |
| Assets per employee ($millions) | 3.8751% | 4,061 |
| Cash dividends to net income (ytd only)* | 2.5203% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,040 |
| Loan loss allowance to noncurrent loans | 133.7900% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 2,074 |
| Noncurrent loans to loans | 0.9595% | 1,674 |
| Net loans and leases to total assets | 66.4479% | 2,997 |
| Net loans and leases to deposits | 83.2344% | 2,539 |
| Net loans and leases to core deposits | 85.7431% | 2,930 |
| Total domestic deposits to total assets | 79.8323% | 4,020 |
| Equity capital to assets | 18.6164% | 340 |
| Core capital (leverage) ratio | 18.5934% | 310 |
| Tier 1 risk-based capital ratio | 29.4500% | 501 |
| Total risk-based capital ratio | 30.7013% | 493 |
| Memoranda: | ||
| Average total assets | $137,055,750 | 3,508 |
| Average earning assets | $127,917,000 | 3,489 |
| Average equity | $24,214,750 | 2,786 |
| Average total loans | $88,140,250 | 3,483 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 1,187 |
| Cost of funding earning assets | 0.3284% | 4,744 |
| Net interest margin | 4.7822% | 419 |
| Noninterest income to average assets | 1.0150% | 854 |
| Noninterest expense to average assets | 3.1469% | 1,622 |
| Loan and lease loss provision to assets | 0.1963% | 883 |
| Net operating income to assets | 1.7145% | 711 |
| Return on assets (ROA) | 1.7087% | 744 |
| Pretax return on assets | 2.1333% | 512 |
| Return on Equity (ROE) | 9.8450% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.4763% | 914 |
| Net charge-offs to loans | 0.0482% | 1,957 |
| Credit loss provision to net charge-offs | 642.8571% | 497 |
| Earnings coverage of net charge-offs (x) | 76.5238% | 842 |
| Efficiency ratio | 57.3853% | 4,083 |
| Assets per employee ($millions) | 3.8653% | 4,041 |
| Cash dividends to net income (ytd only)* | 3.7447% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 1,980 |
| Loan loss allowance to noncurrent loans | 149.8069% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 2,288 |
| Noncurrent loans to loans | 0.8735% | 1,853 |
| Net loans and leases to total assets | 64.8895% | 3,251 |
| Net loans and leases to deposits | 80.6021% | 2,890 |
| Net loans and leases to core deposits | 82.8085% | 3,216 |
| Total domestic deposits to total assets | 80.5059% | 3,936 |
| Equity capital to assets | 18.1754% | 363 |
| Core capital (leverage) ratio | 18.0299% | 339 |
| Tier 1 risk-based capital ratio | 29.3509% | 503 |
| Total risk-based capital ratio | 30.6020% | 494 |
| Memoranda: | ||
| Average total assets | $137,531,670 | 3,519 |
| Average earning assets | $128,518,330 | 3,499 |
| Average equity | $23,870,000 | 2,809 |
| Average total loans | $87,089,000 | 3,523 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 1,278 |
| Cost of funding earning assets | 0.3138% | 4,807 |
| Net interest margin | 4.7108% | 482 |
| Noninterest income to average assets | 0.9347% | 955 |
| Noninterest expense to average assets | 3.0609% | 1,828 |
| Loan and lease loss provision to assets | 0.2019% | 790 |
| Net operating income to assets | 1.7097% | 715 |
| Return on assets (ROA) | 1.7050% | 747 |
| Pretax return on assets | 2.0829% | 547 |
| Return on Equity (ROE) | 10.0551% | 2,348 |
| Retained earnings to average equity (ytd only) | 10.0551% | 1,022 |
| Net charge-offs to loans | 0.0789% | 1,291 |
| Credit loss provision to net charge-offs | 411.7647% | 681 |
| Earnings coverage of net charge-offs (x) | 46.7059% | 1,066 |
| Efficiency ratio | 57.1968% | 4,188 |
| Assets per employee ($millions) | 3.9442% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,165 |
| Loan loss allowance to noncurrent loans | 149.8641% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 2,504 |
| Noncurrent loans to loans | 0.8568% | 1,926 |
| Net loans and leases to total assets | 61.4286% | 3,555 |
| Net loans and leases to deposits | 75.3191% | 3,322 |
| Net loans and leases to core deposits | 77.1227% | 3,587 |
| Total domestic deposits to total assets | 81.5579% | 3,840 |
| Equity capital to assets | 17.3005% | 416 |
| Core capital (leverage) ratio | 17.0727% | 416 |
| Tier 1 risk-based capital ratio | 30.0335% | 477 |
| Total risk-based capital ratio | 31.2847% | 465 |
| Memoranda: | ||
| Average total assets | $138,654,000 | 3,550 |
| Average earning assets | $129,999,500 | 3,515 |
| Average equity | $23,510,500 | 2,838 |
| Average total loans | $86,158,000 | 3,574 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 1,436 |
| Cost of funding earning assets | 0.2896% | 4,619 |
| Net interest margin | 4.5563% | 680 |
| Noninterest income to average assets | 1.1027% | 759 |
| Noninterest expense to average assets | 3.1746% | 1,618 |
| Loan and lease loss provision to assets | 0.1262% | 1,737 |
| Net operating income to assets | 1.5819% | 919 |
| Return on assets (ROA) | 1.5738% | 932 |
| Pretax return on assets | 2.0486% | 500 |
| Return on Equity (ROE) | 9.6448% | 2,666 |
| Retained earnings to average equity (ytd only) | 7.5621% | 1,431 |
| Net charge-offs to loans | 0.1516% | 1,264 |
| Credit loss provision to net charge-offs | 140.6504% | 1,921 |
| Earnings coverage of net charge-offs (x) | 24.3577% | 1,817 |
| Efficiency ratio | 59.2325% | 3,980 |
| Assets per employee ($millions) | 4.0959% | 3,753 |
| Cash dividends to net income (ytd only)* | 21.5941% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,493 |
| Loan loss allowance to noncurrent loans | 182.2917% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 2,899 |
| Noncurrent loans to loans | 0.6666% | 2,328 |
| Net loans and leases to total assets | 61.2969% | 3,627 |
| Net loans and leases to deposits | 74.4220% | 3,467 |
| Net loans and leases to core deposits | 76.1698% | 3,703 |
| Total domestic deposits to total assets | 82.3639% | 3,530 |
| Equity capital to assets | 16.6150% | 453 |
| Core capital (leverage) ratio | 17.0728% | 401 |
| Tier 1 risk-based capital ratio | 29.0003% | 510 |
| Total risk-based capital ratio | 30.2504% | 503 |
| Memoranda: | ||
| Average total assets | $137,117,800 | 3,542 |
| Average earning assets | $128,107,000 | 3,525 |
| Average equity | $22,374,800 | 2,872 |
| Average total loans | $81,111,000 | 3,645 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 1,460 |
| Cost of funding earning assets | 0.2919% | 4,577 |
| Net interest margin | 4.4958% | 751 |
| Noninterest income to average assets | 1.1011% | 780 |
| Noninterest expense to average assets | 3.0340% | 1,917 |
| Loan and lease loss provision to assets | 0.2030% | 847 |
| Net operating income to assets | 1.5645% | 1,037 |
| Return on assets (ROA) | 1.5560% | 1,058 |
| Pretax return on assets | 2.0480% | 552 |
| Return on Equity (ROE) | 9.5802% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.7989% | 1,308 |
| Net charge-offs to loans | 0.1086% | 1,403 |
| Credit loss provision to net charge-offs | 320.0000% | 975 |
| Earnings coverage of net charge-offs (x) | 35.6480% | 1,447 |
| Efficiency ratio | 57.2903% | 4,212 |
| Assets per employee ($millions) | 4.0343% | 3,826 |
| Cash dividends to net income (ytd only)* | 8.1556% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,886 |
| Loan loss allowance to noncurrent loans | 201.0545% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 2,983 |
| Noncurrent loans to loans | 0.6714% | 2,398 |
| Net loans and leases to total assets | 62.7963% | 3,565 |
| Net loans and leases to deposits | 77.0540% | 3,316 |
| Net loans and leases to core deposits | 79.2068% | 3,554 |
| Total domestic deposits to total assets | 81.4966% | 3,738 |
| Equity capital to assets | 17.1326% | 410 |
| Core capital (leverage) ratio | 17.5035% | 373 |
| Tier 1 risk-based capital ratio | 29.2462% | 511 |
| Total risk-based capital ratio | 30.4979% | 504 |
| Memoranda: | ||
| Average total assets | $136,582,250 | 3,594 |
| Average earning assets | $127,433,500 | 3,570 |
| Average equity | $22,184,000 | 2,896 |
| Average total loans | $79,785,750 | 3,702 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 1,651 |
| Cost of funding earning assets | 0.2991% | 4,422 |
| Net interest margin | 4.3473% | 944 |
| Noninterest income to average assets | 0.9816% | 990 |
| Noninterest expense to average assets | 2.8446% | 2,518 |
| Loan and lease loss provision to assets | 0.2091% | 805 |
| Net operating income to assets | 1.5339% | 1,069 |
| Return on assets (ROA) | 1.5247% | 1,091 |
| Pretax return on assets | 1.9690% | 644 |
| Return on Equity (ROE) | 9.5560% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.3729% | 1,463 |
| Net charge-offs to loans | 0.0819% | 1,509 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 47.1250% | 1,167 |
| Efficiency ratio | 56.5042% | 4,417 |
| Assets per employee ($millions) | 4.0957% | 3,738 |
| Cash dividends to net income (ytd only)* | 12.3810% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,707 |
| Loan loss allowance to noncurrent loans | 172.4031% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 2,886 |
| Noncurrent loans to loans | 0.8197% | 2,084 |
| Net loans and leases to total assets | 55.7057% | 4,190 |
| Net loans and leases to deposits | 67.3511% | 4,065 |
| Net loans and leases to core deposits | 69.1215% | 4,196 |
| Total domestic deposits to total assets | 82.7094% | 3,492 |
| Equity capital to assets | 16.0720% | 492 |
| Core capital (leverage) ratio | 16.8921% | 407 |
| Tier 1 risk-based capital ratio | 30.6098% | 457 |
| Total risk-based capital ratio | 31.8617% | 452 |
| Memoranda: | ||
| Average total assets | $137,732,330 | 3,601 |
| Average earning assets | $128,400,330 | 3,576 |
| Average equity | $21,975,670 | 2,927 |
| Average total loans | $78,132,330 | 3,750 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 1,462 |
| Cost of funding earning assets | 0.3545% | 3,953 |
| Net interest margin | 4.2856% | 972 |
| Noninterest income to average assets | 0.9491% | 1,024 |
| Noninterest expense to average assets | 2.9262% | 2,267 |
| Loan and lease loss provision to assets | 0.1752% | 994 |
| Net operating income to assets | 1.4724% | 1,142 |
| Return on assets (ROA) | 1.4631% | 1,168 |
| Pretax return on assets | 1.8252% | 867 |
| Return on Equity (ROE) | 9.2041% | 2,803 |
| Retained earnings to average equity (ytd only) | 9.2041% | 1,394 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2549% | 4,170 |
| Assets per employee ($millions) | 4.0508% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,891 |
| Loan loss allowance to noncurrent loans | 251.7815% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 3,570 |
| Noncurrent loans to loans | 0.5506% | 2,873 |
| Net loans and leases to total assets | 56.4084% | 4,091 |
| Net loans and leases to deposits | 68.4287% | 3,917 |
| Net loans and leases to core deposits | 70.0790% | 4,077 |
| Total domestic deposits to total assets | 82.4338% | 3,832 |
| Equity capital to assets | 16.4157% | 451 |
| Core capital (leverage) ratio | 15.9464% | 495 |
| Tier 1 risk-based capital ratio | 30.8866% | 442 |
| Total risk-based capital ratio | 32.1389% | 442 |
| Memoranda: | ||
| Average total assets | $136,971,000 | 3,646 |
| Average earning assets | $127,495,500 | 3,624 |
| Average equity | $21,773,000 | 2,973 |
| Average total loans | $77,856,000 | 3,781 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 1,317 |
| Cost of funding earning assets | 0.3534% | 3,684 |
| Net interest margin | 4.2929% | 975 |
| Noninterest income to average assets | 1.1048% | 837 |
| Noninterest expense to average assets | 3.2125% | 1,579 |
| Loan and lease loss provision to assets | 0.1417% | 1,603 |
| Net operating income to assets | 1.2445% | 1,377 |
| Return on assets (ROA) | 1.2375% | 1,423 |
| Pretax return on assets | 1.7284% | 940 |
| Return on Equity (ROE) | 7.7806% | 2,898 |
| Retained earnings to average equity (ytd only) | 4.7598% | 2,285 |
| Net charge-offs to loans | 0.1795% | 1,392 |
| Credit loss provision to net charge-offs | 135.9712% | 1,944 |
| Earnings coverage of net charge-offs (x) | 18.0432% | 2,095 |
| Efficiency ratio | 63.0851% | 3,762 |
| Assets per employee ($millions) | 4.1254% | 3,773 |
| Cash dividends to net income (ytd only)* | 38.8250% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,417 |
| Loan loss allowance to noncurrent loans | 268.0965% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 3,826 |
| Noncurrent loans to loans | 0.4707% | 3,096 |
| Net loans and leases to total assets | 55.7851% | 4,210 |
| Net loans and leases to deposits | 69.7302% | 3,902 |
| Net loans and leases to core deposits | 71.3796% | 4,092 |
| Total domestic deposits to total assets | 80.0014% | 4,337 |
| Equity capital to assets | 15.4008% | 601 |
| Core capital (leverage) ratio | 16.1562% | 456 |
| Tier 1 risk-based capital ratio | 28.7630% | 507 |
| Total risk-based capital ratio | 30.0134% | 502 |
| Memoranda: | ||
| Average total assets | $133,418,400 | 3,691 |
| Average earning assets | $123,924,200 | 3,686 |
| Average equity | $21,219,400 | 3,017 |
| Average total loans | $77,423,000 | 3,799 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 1,318 |
| Cost of funding earning assets | 0.3557% | 3,612 |
| Net interest margin | 4.2644% | 1,012 |
| Noninterest income to average assets | 1.1439% | 775 |
| Noninterest expense to average assets | 3.2475% | 1,463 |
| Loan and lease loss provision to assets | 0.2328% | 778 |
| Net operating income to assets | 1.1703% | 1,801 |
| Return on assets (ROA) | 1.1601% | 1,887 |
| Pretax return on assets | 1.6055% | 1,401 |
| Return on Equity (ROE) | 7.2334% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.2334% | 1,576 |
| Net charge-offs to loans | 0.1213% | 1,578 |
| Credit loss provision to net charge-offs | 328.5714% | 913 |
| Earnings coverage of net charge-offs (x) | 26.1431% | 1,697 |
| Efficiency ratio | 63.6761% | 3,612 |
| Assets per employee ($millions) | 3.9692% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 1,952 |
| Loan loss allowance to noncurrent loans | 289.0625% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 3,890 |
| Noncurrent loans to loans | 0.4794% | 3,247 |
| Net loans and leases to total assets | 60.3092% | 3,824 |
| Net loans and leases to deposits | 77.1423% | 3,260 |
| Net loans and leases to core deposits | 79.3403% | 3,506 |
| Total domestic deposits to total assets | 78.1792% | 4,695 |
| Equity capital to assets | 16.6477% | 470 |
| Core capital (leverage) ratio | 16.9087% | 394 |
| Tier 1 risk-based capital ratio | 28.2486% | 548 |
| Total risk-based capital ratio | 29.5001% | 542 |
| Memoranda: | ||
| Average total assets | $131,706,750 | 3,758 |
| Average earning assets | $122,188,000 | 3,748 |
| Average equity | $21,123,750 | 3,052 |
| Average total loans | $76,967,000 | 3,842 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,510 |
| Cost of funding earning assets | 0.3500% | 3,584 |
| Net interest margin | 4.1507% | 1,202 |
| Noninterest income to average assets | 1.0565% | 906 |
| Noninterest expense to average assets | 3.1103% | 1,814 |
| Loan and lease loss provision to assets | 0.2213% | 794 |
| Net operating income to assets | 1.1800% | 1,666 |
| Return on assets (ROA) | 1.1686% | 1,748 |
| Pretax return on assets | 1.5567% | 1,469 |
| Return on Equity (ROE) | 7.3793% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.3793% | 1,411 |
| Net charge-offs to loans | 0.0369% | 2,460 |
| Credit loss provision to net charge-offs | 1,042.8571% | 375 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 739 |
| Efficiency ratio | 63.4312% | 3,773 |
| Assets per employee ($millions) | 3.7408% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,892 |
| Loan loss allowance to noncurrent loans | 261.9855% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 3,864 |
| Noncurrent loans to loans | 0.5396% | 3,134 |
| Net loans and leases to total assets | 57.6347% | 4,071 |
| Net loans and leases to deposits | 73.4018% | 3,605 |
| Net loans and leases to core deposits | 76.8236% | 3,694 |
| Total domestic deposits to total assets | 78.5195% | 4,725 |
| Equity capital to assets | 16.3693% | 488 |
| Core capital (leverage) ratio | 16.3547% | 435 |
| Tier 1 risk-based capital ratio | 29.7939% | 472 |
| Total risk-based capital ratio | 31.0464% | 467 |
| Memoranda: | ||
| Average total assets | $131,947,330 | 3,780 |
| Average earning assets | $122,293,000 | 3,762 |
| Average equity | $20,896,330 | 3,071 |
| Average total loans | $75,920,670 | 3,884 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 1,611 |
| Cost of funding earning assets | 0.3549% | 3,475 |
| Net interest margin | 4.0566% | 1,329 |
| Noninterest income to average assets | 1.0388% | 932 |
| Noninterest expense to average assets | 3.1618% | 1,715 |
| Loan and lease loss provision to assets | 0.1812% | 953 |
| Net operating income to assets | 1.1626% | 1,619 |
| Return on assets (ROA) | 1.1506% | 1,702 |
| Pretax return on assets | 1.4435% | 1,722 |
| Return on Equity (ROE) | 7.3878% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.3878% | 1,699 |
| Net charge-offs to loans | 0.0159% | 2,480 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 313 |
| Efficiency ratio | 65.8491% | 3,523 |
| Assets per employee ($millions) | 3.6903% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,382 |
| Loan loss allowance to noncurrent loans | 228.8636% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 3,873 |
| Noncurrent loans to loans | 0.5819% | 3,068 |
| Net loans and leases to total assets | 56.1555% | 4,154 |
| Net loans and leases to deposits | 70.7772% | 3,715 |
| Net loans and leases to core deposits | 73.9820% | 3,830 |
| Total domestic deposits to total assets | 79.3412% | 4,762 |
| Equity capital to assets | 15.7013% | 542 |
| Core capital (leverage) ratio | 15.7244% | 501 |
| Tier 1 risk-based capital ratio | 29.4743% | 498 |
| Total risk-based capital ratio | 30.7252% | 499 |
| Memoranda: | ||
| Average total assets | $132,457,000 | 3,807 |
| Average earning assets | $122,860,000 | 3,795 |
| Average equity | $20,628,500 | 3,110 |
| Average total loans | $75,610,000 | 3,916 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 1,270 |
| Cost of funding earning assets | 0.3634% | 3,378 |
| Net interest margin | 4.2427% | 1,027 |
| Noninterest income to average assets | 1.2028% | 787 |
| Noninterest expense to average assets | 3.3462% | 1,478 |
| Loan and lease loss provision to assets | 0.1319% | 1,891 |
| Net operating income to assets | 1.1477% | 1,709 |
| Return on assets (ROA) | 1.2470% | 1,449 |
| Pretax return on assets | 1.8106% | 779 |
| Return on Equity (ROE) | 7.6218% | 3,158 |
| Retained earnings to average equity (ytd only) | 6.1377% | 1,637 |
| Net charge-offs to loans | 0.1576% | 1,697 |
| Credit loss provision to net charge-offs | 143.8596% | 1,906 |
| Earnings coverage of net charge-offs (x) | 19.6228% | 1,903 |
| Efficiency ratio | 65.0414% | 3,753 |
| Assets per employee ($millions) | 3.6685% | 4,521 |
| Cash dividends to net income (ytd only)* | 19.4713% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,780 |
| Loan loss allowance to noncurrent loans | 169.0391% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 3,568 |
| Noncurrent loans to loans | 0.7433% | 2,670 |
| Net loans and leases to total assets | 56.5335% | 4,214 |
| Net loans and leases to deposits | 70.9793% | 3,814 |
| Net loans and leases to core deposits | 74.4555% | 3,885 |
| Total domestic deposits to total assets | 79.6479% | 4,646 |
| Equity capital to assets | 15.4454% | 574 |
| Core capital (leverage) ratio | 16.2067% | 437 |
| Tier 1 risk-based capital ratio | 28.9108% | 520 |
| Total risk-based capital ratio | 30.1605% | 511 |
| Memoranda: | ||
| Average total assets | $124,379,200 | 3,918 |
| Average earning assets | $115,563,800 | 3,902 |
| Average equity | $20,349,600 | 3,133 |
| Average total loans | $72,355,600 | 3,984 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,228 |
| Cost of funding earning assets | 0.3646% | 3,389 |
| Net interest margin | 4.2703% | 984 |
| Noninterest income to average assets | 1.2532% | 738 |
| Noninterest expense to average assets | 3.2598% | 1,651 |
| Loan and lease loss provision to assets | 0.2744% | 640 |
| Net operating income to assets | 1.1884% | 1,676 |
| Return on assets (ROA) | 1.3294% | 1,299 |
| Pretax return on assets | 1.8869% | 729 |
| Return on Equity (ROE) | 8.0047% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.0047% | 1,171 |
| Net charge-offs to loans | 0.0932% | 2,019 |
| Credit loss provision to net charge-offs | 504.0000% | 696 |
| Earnings coverage of net charge-offs (x) | 35.9973% | 1,320 |
| Efficiency ratio | 62.4531% | 4,147 |
| Assets per employee ($millions) | 3.6798% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,842 |
| Loan loss allowance to noncurrent loans | 267.4757% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 4,082 |
| Noncurrent loans to loans | 0.5529% | 3,336 |
| Net loans and leases to total assets | 58.6785% | 4,026 |
| Net loans and leases to deposits | 75.2419% | 3,474 |
| Net loans and leases to core deposits | 79.2416% | 3,528 |
| Total domestic deposits to total assets | 77.9865% | 4,915 |
| Equity capital to assets | 16.6656% | 466 |
| Core capital (leverage) ratio | 16.7544% | 384 |
| Tier 1 risk-based capital ratio | 29.3334% | 507 |
| Total risk-based capital ratio | 30.5873% | 504 |
| Memoranda: | ||
| Average total assets | $122,457,750 | 3,976 |
| Average earning assets | $113,742,750 | 3,957 |
| Average equity | $20,337,500 | 3,159 |
| Average total loans | $71,541,750 | 4,027 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 1,295 |
| Cost of funding earning assets | 0.3630% | 3,424 |
| Net interest margin | 4.2234% | 1,072 |
| Noninterest income to average assets | 1.0315% | 1,053 |
| Noninterest expense to average assets | 3.0056% | 2,324 |
| Loan and lease loss provision to assets | 0.2764% | 670 |
| Net operating income to assets | 1.2312% | 1,499 |
| Return on assets (ROA) | 1.4625% | 1,002 |
| Pretax return on assets | 1.9856% | 585 |
| Return on Equity (ROE) | 8.8167% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.8167% | 897 |
| Net charge-offs to loans | 0.0340% | 2,771 |
| Credit loss provision to net charge-offs | 1,400.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 98.7500% | 589 |
| Efficiency ratio | 60.6574% | 4,556 |
| Assets per employee ($millions) | 3.6156% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 2,017 |
| Loan loss allowance to noncurrent loans | 202.6871% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 3,807 |
| Noncurrent loans to loans | 0.7209% | 2,927 |
| Net loans and leases to total assets | 57.9276% | 4,124 |
| Net loans and leases to deposits | 74.4597% | 3,533 |
| Net loans and leases to core deposits | 78.2521% | 3,622 |
| Total domestic deposits to total assets | 77.7973% | 5,038 |
| Equity capital to assets | 16.7582% | 458 |
| Core capital (leverage) ratio | 16.3710% | 418 |
| Tier 1 risk-based capital ratio | 30.2491% | 484 |
| Total risk-based capital ratio | 31.5021% | 481 |
| Memoranda: | ||
| Average total assets | $121,572,330 | 4,018 |
| Average earning assets | $112,943,330 | 3,997 |
| Average equity | $20,166,330 | 3,178 |
| Average total loans | $70,550,000 | 4,079 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 1,414 |
| Cost of funding earning assets | 0.3645% | 3,456 |
| Net interest margin | 4.1705% | 1,168 |
| Noninterest income to average assets | 1.0058% | 1,065 |
| Noninterest expense to average assets | 2.9084% | 2,680 |
| Loan and lease loss provision to assets | 0.2316% | 793 |
| Net operating income to assets | 1.3897% | 1,057 |
| Return on assets (ROA) | 1.3764% | 1,143 |
| Pretax return on assets | 1.7106% | 1,049 |
| Return on Equity (ROE) | 8.3413% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.3413% | 1,329 |
| Net charge-offs to loans | 0.0631% | 1,862 |
| Credit loss provision to net charge-offs | 636.3636% | 505 |
| Earnings coverage of net charge-offs (x) | 53.8182% | 837 |
| Efficiency ratio | 59.7553% | 4,780 |
| Assets per employee ($millions) | 3.5586% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 2,577 |
| Loan loss allowance to noncurrent loans | 225.1174% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 3,832 |
| Noncurrent loans to loans | 0.6070% | 3,357 |
| Net loans and leases to total assets | 57.2137% | 4,126 |
| Net loans and leases to deposits | 73.4394% | 3,506 |
| Net loans and leases to core deposits | 77.2279% | 3,572 |
| Total domestic deposits to total assets | 77.9060% | 5,162 |
| Equity capital to assets | 16.6672% | 452 |
| Core capital (leverage) ratio | 16.4699% | 424 |
| Tier 1 risk-based capital ratio | 29.9185% | 512 |
| Total risk-based capital ratio | 31.1709% | 507 |
| Memoranda: | ||
| Average total assets | $120,893,000 | 4,053 |
| Average earning assets | $111,929,500 | 4,049 |
| Average equity | $19,949,000 | 3,204 |
| Average total loans | $69,691,500 | 4,120 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 883 |
| Cost of funding earning assets | 0.3774% | 3,397 |
| Net interest margin | 4.4481% | 718 |
| Noninterest income to average assets | 1.1058% | 960 |
| Noninterest expense to average assets | 3.2402% | 1,863 |
| Loan and lease loss provision to assets | 0.2153% | 966 |
| Net operating income to assets | 1.2536% | 1,380 |
| Return on assets (ROA) | 1.2742% | 1,382 |
| Pretax return on assets | 1.7707% | 849 |
| Return on Equity (ROE) | 7.6146% | 3,185 |
| Retained earnings to average equity (ytd only) | 5.9910% | 1,790 |
| Net charge-offs to loans | 0.2953% | 1,029 |
| Credit loss provision to net charge-offs | 125.2525% | 2,072 |
| Earnings coverage of net charge-offs (x) | 11.3889% | 2,584 |
| Efficiency ratio | 62.3413% | 4,552 |
| Assets per employee ($millions) | 3.5528% | 4,719 |
| Cash dividends to net income (ytd only)* | 21.3215% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,897 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 3,509 |
| Noncurrent loans to loans | 0.7803% | 2,835 |
| Net loans and leases to total assets | 56.5425% | 4,249 |
| Net loans and leases to deposits | 72.3302% | 3,682 |
| Net loans and leases to core deposits | 76.0528% | 3,749 |
| Total domestic deposits to total assets | 78.1728% | 5,133 |
| Equity capital to assets | 16.3352% | 486 |
| Core capital (leverage) ratio | 16.5613% | 411 |
| Tier 1 risk-based capital ratio | 29.6882% | 519 |
| Total risk-based capital ratio | 30.9393% | 510 |
| Memoranda: | ||
| Average total assets | $115,209,400 | 4,154 |
| Average earning assets | $105,979,000 | 4,143 |
| Average equity | $19,278,800 | 3,243 |
| Average total loans | $67,048,400 | 4,169 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 841 |
| Cost of funding earning assets | 0.3832% | 3,397 |
| Net interest margin | 4.4749% | 691 |
| Noninterest income to average assets | 1.0953% | 1,006 |
| Noninterest expense to average assets | 3.1349% | 2,127 |
| Loan and lease loss provision to assets | 0.3245% | 429 |
| Net operating income to assets | 1.2885% | 1,372 |
| Return on assets (ROA) | 1.3214% | 1,345 |
| Pretax return on assets | 1.7842% | 927 |
| Return on Equity (ROE) | 7.8472% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.8472% | 1,304 |
| Net charge-offs to loans | 0.2125% | 1,224 |
| Credit loss provision to net charge-offs | 261.3208% | 1,099 |
| Earnings coverage of net charge-offs (x) | 16.6226% | 2,102 |
| Efficiency ratio | 60.2974% | 4,849 |
| Assets per employee ($millions) | 3.2606% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 2,270 |
| Loan loss allowance to noncurrent loans | 159.7809% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 3,276 |
| Noncurrent loans to loans | 0.9212% | 2,676 |
| Net loans and leases to total assets | 59.8856% | 3,896 |
| Net loans and leases to deposits | 77.8853% | 3,109 |
| Net loans and leases to core deposits | 82.2318% | 3,226 |
| Total domestic deposits to total assets | 76.8894% | 5,360 |
| Equity capital to assets | 17.2081% | 413 |
| Core capital (leverage) ratio | 17.0334% | 379 |
| Tier 1 risk-based capital ratio | 29.3590% | 555 |
| Total risk-based capital ratio | 30.6115% | 547 |
| Memoranda: | ||
| Average total assets | $113,813,250 | 4,224 |
| Average earning assets | $104,372,750 | 4,234 |
| Average equity | $19,165,500 | 3,282 |
| Average total loans | $66,510,500 | 4,223 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 910 |
| Cost of funding earning assets | 0.3819% | 3,459 |
| Net interest margin | 4.4068% | 752 |
| Noninterest income to average assets | 1.0711% | 1,043 |
| Noninterest expense to average assets | 3.0745% | 2,324 |
| Loan and lease loss provision to assets | 0.3289% | 423 |
| Net operating income to assets | 1.2951% | 1,336 |
| Return on assets (ROA) | 1.3526% | 1,233 |
| Pretax return on assets | 1.7817% | 925 |
| Return on Equity (ROE) | 8.0913% | 2,999 |
| Retained earnings to average equity (ytd only) | 8.0913% | 1,227 |
| Net charge-offs to loans | 0.2502% | 1,038 |
| Credit loss provision to net charge-offs | 228.0488% | 1,114 |
| Earnings coverage of net charge-offs (x) | 14.1098% | 2,081 |
| Efficiency ratio | 60.1721% | 4,951 |
| Assets per employee ($millions) | 3.0831% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 2,528 |
| Loan loss allowance to noncurrent loans | 137.0158% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 3,261 |
| Noncurrent loans to loans | 1.0554% | 2,534 |
| Net loans and leases to total assets | 57.0537% | 4,214 |
| Net loans and leases to deposits | 73.8274% | 3,509 |
| Net loans and leases to core deposits | 77.9225% | 3,584 |
| Total domestic deposits to total assets | 77.2799% | 5,413 |
| Equity capital to assets | 16.8328% | 434 |
| Core capital (leverage) ratio | 16.5794% | 407 |
| Tier 1 risk-based capital ratio | 29.5099% | 568 |
| Total risk-based capital ratio | 30.7616% | 561 |
| Memoranda: | ||
| Average total assets | $113,710,670 | 4,258 |
| Average earning assets | $104,203,000 | 4,265 |
| Average equity | $19,008,000 | 3,315 |
| Average total loans | $65,559,670 | 4,289 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 1,071 |
| Cost of funding earning assets | 0.3774% | 3,563 |
| Net interest margin | 4.2998% | 878 |
| Noninterest income to average assets | 1.0077% | 1,104 |
| Noninterest expense to average assets | 3.0266% | 2,494 |
| Loan and lease loss provision to assets | 0.2643% | 605 |
| Net operating income to assets | 1.3501% | 1,134 |
| Return on assets (ROA) | 1.3389% | 1,231 |
| Pretax return on assets | 1.6771% | 1,097 |
| Return on Equity (ROE) | 8.0377% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.0377% | 1,560 |
| Net charge-offs to loans | 0.0980% | 1,743 |
| Credit loss provision to net charge-offs | 468.7500% | 579 |
| Earnings coverage of net charge-offs (x) | 34.6875% | 1,056 |
| Efficiency ratio | 60.7496% | 4,996 |
| Assets per employee ($millions) | 3.2365% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 2,939 |
| Loan loss allowance to noncurrent loans | 109.5181% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8333% | 3,001 |
| Noncurrent loans to loans | 1.2743% | 2,247 |
| Net loans and leases to total assets | 56.6972% | 4,127 |
| Net loans and leases to deposits | 73.3475% | 3,390 |
| Net loans and leases to core deposits | 77.4348% | 3,436 |
| Total domestic deposits to total assets | 77.2994% | 5,569 |
| Equity capital to assets | 16.8857% | 443 |
| Core capital (leverage) ratio | 16.2261% | 438 |
| Tier 1 risk-based capital ratio | 29.7137% | 553 |
| Total risk-based capital ratio | 30.9653% | 546 |
| Memoranda: | ||
| Average total assets | $113,528,500 | 4,294 |
| Average earning assets | $104,935,000 | 4,277 |
| Average equity | $18,911,000 | 3,349 |
| Average total loans | $65,320,000 | 4,316 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 1,518 |
| Cost of funding earning assets | 0.3878% | 3,817 |
| Net interest margin | 4.2265% | 1,226 |
| Noninterest income to average assets | 1.0960% | 1,009 |
| Noninterest expense to average assets | 3.2398% | 2,101 |
| Loan and lease loss provision to assets | 0.1812% | 1,419 |
| Net operating income to assets | 1.1897% | 1,617 |
| Return on assets (ROA) | 1.2702% | 1,421 |
| Pretax return on assets | 1.7446% | 900 |
| Return on Equity (ROE) | 7.9657% | 3,154 |
| Retained earnings to average equity (ytd only) | 6.2968% | 1,753 |
| Net charge-offs to loans | 0.2882% | 1,506 |
| Credit loss provision to net charge-offs | 116.9492% | 2,043 |
| Earnings coverage of net charge-offs (x) | 11.7175% | 2,457 |
| Efficiency ratio | 64.0866% | 4,574 |
| Assets per employee ($millions) | 3.2508% | 5,347 |
| Cash dividends to net income (ytd only)* | 20.9511% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 3,440 |
| Loan loss allowance to noncurrent loans | 115.6463% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 3,343 |
| Noncurrent loans to loans | 1.1221% | 2,592 |
| Net loans and leases to total assets | 56.8256% | 4,225 |
| Net loans and leases to deposits | 73.0029% | 3,551 |
| Net loans and leases to core deposits | 76.7920% | 3,623 |
| Total domestic deposits to total assets | 77.8402% | 5,466 |
| Equity capital to assets | 16.4302% | 483 |
| Core capital (leverage) ratio | 16.1481% | 454 |
| Tier 1 risk-based capital ratio | 29.1915% | 547 |
| Total risk-based capital ratio | 30.4435% | 538 |
| Memoranda: | ||
| Average total assets | $114,235,000 | 4,295 |
| Average earning assets | $107,014,000 | 4,246 |
| Average equity | $18,215,600 | 3,377 |
| Average total loans | $61,421,000 | 4,448 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 1,743 |
| Cost of funding earning assets | 0.3860% | 3,946 |
| Net interest margin | 4.1504% | 1,432 |
| Noninterest income to average assets | 1.0902% | 1,024 |
| Noninterest expense to average assets | 3.1062% | 2,453 |
| Loan and lease loss provision to assets | 0.2623% | 812 |
| Net operating income to assets | 1.1638% | 1,811 |
| Return on assets (ROA) | 1.2721% | 1,512 |
| Pretax return on assets | 1.7711% | 938 |
| Return on Equity (ROE) | 8.0384% | 3,183 |
| Retained earnings to average equity (ytd only) | 8.0384% | 1,340 |
| Net charge-offs to loans | 0.2141% | 1,754 |
| Credit loss provision to net charge-offs | 231.9588% | 1,121 |
| Earnings coverage of net charge-offs (x) | 16.6495% | 1,954 |
| Efficiency ratio | 62.2575% | 4,850 |
| Assets per employee ($millions) | 3.1751% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 2,796 |
| Loan loss allowance to noncurrent loans | 132.5874% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 3,529 |
| Noncurrent loans to loans | 1.1205% | 2,817 |
| Net loans and leases to total assets | 56.5681% | 4,259 |
| Net loans and leases to deposits | 73.3028% | 3,520 |
| Net loans and leases to core deposits | 77.2557% | 3,612 |
| Total domestic deposits to total assets | 77.1705% | 5,649 |
| Equity capital to assets | 16.7159% | 469 |
| Core capital (leverage) ratio | 16.4716% | 425 |
| Tier 1 risk-based capital ratio | 29.8420% | 535 |
| Total risk-based capital ratio | 31.0964% | 525 |
| Memoranda: | ||
| Average total assets | $114,349,250 | 4,327 |
| Average earning assets | $107,426,000 | 4,280 |
| Average equity | $18,096,000 | 3,407 |
| Average total loans | $60,400,000 | 4,517 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 2,029 |
| Cost of funding earning assets | 0.3810% | 4,097 |
| Net interest margin | 4.0604% | 1,634 |
| Noninterest income to average assets | 0.9651% | 1,295 |
| Noninterest expense to average assets | 3.0323% | 2,719 |
| Loan and lease loss provision to assets | 0.2426% | 920 |
| Net operating income to assets | 1.1228% | 1,848 |
| Return on assets (ROA) | 1.1228% | 1,927 |
| Pretax return on assets | 1.5127% | 1,500 |
| Return on Equity (ROE) | 7.2257% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.2257% | 1,651 |
| Net charge-offs to loans | 0.3679% | 1,111 |
| Credit loss provision to net charge-offs | 128.4404% | 1,624 |
| Earnings coverage of net charge-offs (x) | 9.2936% | 2,377 |
| Efficiency ratio | 63.3370% | 4,796 |
| Assets per employee ($millions) | 3.2256% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 3,145 |
| Loan loss allowance to noncurrent loans | 166.2109% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 4,274 |
| Noncurrent loans to loans | 0.8670% | 3,535 |
| Net loans and leases to total assets | 51.5532% | 4,790 |
| Net loans and leases to deposits | 66.1668% | 4,256 |
| Net loans and leases to core deposits | 69.8968% | 4,276 |
| Total domestic deposits to total assets | 77.9140% | 5,650 |
| Equity capital to assets | 16.1460% | 525 |
| Core capital (leverage) ratio | 15.6374% | 523 |
| Tier 1 risk-based capital ratio | 31.5030% | 461 |
| Total risk-based capital ratio | 32.7557% | 454 |
| Memoranda: | ||
| Average total assets | $115,423,000 | 4,341 |
| Average earning assets | $108,659,000 | 4,274 |
| Average equity | $17,936,000 | 3,424 |
| Average total loans | $59,263,000 | 4,574 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 2,306 |
| Cost of funding earning assets | 0.3822% | 4,173 |
| Net interest margin | 3.9747% | 1,842 |
| Noninterest income to average assets | 0.9393% | 1,283 |
| Noninterest expense to average assets | 2.9789% | 2,944 |
| Loan and lease loss provision to assets | 0.2400% | 920 |
| Net operating income to assets | 1.1484% | 1,638 |
| Return on assets (ROA) | 1.1484% | 1,705 |
| Pretax return on assets | 1.4637% | 1,533 |
| Return on Equity (ROE) | 7.5323% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.5323% | 1,803 |
| Net charge-offs to loans | 0.3032% | 1,154 |
| Credit loss provision to net charge-offs | 155.5556% | 1,229 |
| Earnings coverage of net charge-offs (x) | 11.0444% | 1,810 |
| Efficiency ratio | 63.6164% | 4,919 |
| Assets per employee ($millions) | 3.1257% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 3,428 |
| Loan loss allowance to noncurrent loans | 149.5575% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 4,328 |
| Noncurrent loans to loans | 0.9616% | 3,493 |
| Net loans and leases to total assets | 50.0748% | 4,900 |
| Net loans and leases to deposits | 63.6865% | 4,351 |
| Net loans and leases to core deposits | 67.3435% | 4,374 |
| Total domestic deposits to total assets | 78.6271% | 5,736 |
| Equity capital to assets | 15.5805% | 590 |
| Core capital (leverage) ratio | 15.1070% | 587 |
| Tier 1 risk-based capital ratio | 31.2752% | 474 |
| Total risk-based capital ratio | 32.5274% | 467 |
| Memoranda: | ||
| Average total assets | $116,687,000 | 4,346 |
| Average earning assets | $109,895,500 | 4,274 |
| Average equity | $17,790,000 | 3,446 |
| Average total loans | $59,368,500 | 4,613 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 1,712 |
| Cost of funding earning assets | 0.4510% | 4,100 |
| Net interest margin | 4.2005% | 1,356 |
| Noninterest income to average assets | 1.0703% | 1,233 |
| Noninterest expense to average assets | 3.1310% | 2,640 |
| Loan and lease loss provision to assets | 0.2141% | 1,710 |
| Net operating income to assets | 1.2098% | 1,527 |
| Return on assets (ROA) | 1.2098% | 1,603 |
| Pretax return on assets | 1.6721% | 1,012 |
| Return on Equity (ROE) | 7.9640% | 3,043 |
| Retained earnings to average equity (ytd only) | 6.1852% | 1,862 |
| Net charge-offs to loans | 0.2859% | 2,260 |
| Credit loss provision to net charge-offs | 148.7805% | 1,563 |
| Earnings coverage of net charge-offs (x) | 13.1098% | 2,060 |
| Efficiency ratio | 62.4060% | 5,135 |
| Assets per employee ($millions) | 3.1817% | 5,527 |
| Cash dividends to net income (ytd only)* | 22.3350% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 3,808 |
| Loan loss allowance to noncurrent loans | 146.6905% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 4,473 |
| Noncurrent loans to loans | 0.9320% | 3,663 |
| Net loans and leases to total assets | 50.2536% | 5,057 |
| Net loans and leases to deposits | 63.2409% | 4,589 |
| Net loans and leases to core deposits | 66.7645% | 4,632 |
| Total domestic deposits to total assets | 79.4637% | 5,561 |
| Equity capital to assets | 14.9172% | 684 |
| Core capital (leverage) ratio | 15.5873% | 529 |
| Tier 1 risk-based capital ratio | 30.0116% | 497 |
| Total risk-based capital ratio | 31.2642% | 494 |
| Memoranda: | ||
| Average total assets | $113,987,800 | 4,409 |
| Average earning assets | $107,106,000 | 4,335 |
| Average equity | $17,315,400 | 3,517 |
| Average total loans | $57,360,800 | 4,705 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 1,757 |
| Cost of funding earning assets | 0.4650% | 4,114 |
| Net interest margin | 4.1804% | 1,397 |
| Noninterest income to average assets | 1.0543% | 1,314 |
| Noninterest expense to average assets | 3.0864% | 2,706 |
| Loan and lease loss provision to assets | 0.2665% | 1,328 |
| Net operating income to assets | 1.2065% | 1,606 |
| Return on assets (ROA) | 1.2065% | 1,685 |
| Pretax return on assets | 1.6240% | 1,284 |
| Return on Equity (ROE) | 7.9052% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.9052% | 1,448 |
| Net charge-offs to loans | 0.2304% | 2,424 |
| Credit loss provision to net charge-offs | 230.6122% | 1,051 |
| Earnings coverage of net charge-offs (x) | 16.3576% | 1,809 |
| Efficiency ratio | 62.0142% | 5,138 |
| Assets per employee ($millions) | 3.0151% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 3,676 |
| Loan loss allowance to noncurrent loans | 229.3651% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 5,362 |
| Noncurrent loans to loans | 0.6333% | 4,615 |
| Net loans and leases to total assets | 54.1947% | 4,582 |
| Net loans and leases to deposits | 69.8490% | 3,810 |
| Net loans and leases to core deposits | 74.1922% | 3,819 |
| Total domestic deposits to total assets | 77.5884% | 5,961 |
| Equity capital to assets | 16.1403% | 532 |
| Core capital (leverage) ratio | 16.0436% | 484 |
| Tier 1 risk-based capital ratio | 29.6892% | 530 |
| Total risk-based capital ratio | 30.9420% | 523 |
| Memoranda: | ||
| Average total assets | $113,054,000 | 4,481 |
| Average earning assets | $106,079,500 | 4,404 |
| Average equity | $17,254,000 | 3,569 |
| Average total loans | $56,706,000 | 4,768 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 2,061 |
| Cost of funding earning assets | 0.4761% | 4,138 |
| Net interest margin | 4.0617% | 1,658 |
| Noninterest income to average assets | 1.0126% | 1,499 |
| Noninterest expense to average assets | 3.0325% | 2,900 |
| Loan and lease loss provision to assets | 0.2758% | 1,335 |
| Net operating income to assets | 1.1470% | 1,762 |
| Return on assets (ROA) | 1.1470% | 1,876 |
| Pretax return on assets | 1.5171% | 1,570 |
| Return on Equity (ROE) | 7.6548% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.6548% | 1,608 |
| Net charge-offs to loans | 0.3841% | 1,683 |
| Credit loss provision to net charge-offs | 147.6636% | 1,558 |
| Earnings coverage of net charge-offs (x) | 9.5981% | 2,259 |
| Efficiency ratio | 62.8437% | 5,042 |
| Assets per employee ($millions) | 2.8054% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 3,838 |
| Loan loss allowance to noncurrent loans | 231.2865% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 5,538 |
| Noncurrent loans to loans | 0.6239% | 4,693 |
| Net loans and leases to total assets | 49.3812% | 5,178 |
| Net loans and leases to deposits | 63.2876% | 4,583 |
| Net loans and leases to core deposits | 66.7424% | 4,622 |
| Total domestic deposits to total assets | 78.0267% | 5,973 |
| Equity capital to assets | 15.7856% | 561 |
| Core capital (leverage) ratio | 14.8884% | 633 |
| Tier 1 risk-based capital ratio | 31.6985% | 451 |
| Total risk-based capital ratio | 32.9508% | 442 |
| Memoranda: | ||
| Average total assets | $114,558,000 | 4,474 |
| Average earning assets | $107,541,330 | 4,398 |
| Average equity | $17,165,670 | 3,600 |
| Average total loans | $55,711,000 | 4,827 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 2,481 |
| Cost of funding earning assets | 0.4979% | 4,109 |
| Net interest margin | 3.9145% | 2,067 |
| Noninterest income to average assets | 1.0177% | 1,426 |
| Noninterest expense to average assets | 2.9164% | 3,284 |
| Loan and lease loss provision to assets | 0.3005% | 1,156 |
| Net operating income to assets | 1.1747% | 1,595 |
| Return on assets (ROA) | 1.1747% | 1,708 |
| Pretax return on assets | 1.4787% | 1,620 |
| Return on Equity (ROE) | 8.0407% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.0407% | 1,742 |
| Net charge-offs to loans | 0.5841% | 1,042 |
| Credit loss provision to net charge-offs | 107.3171% | 1,724 |
| Earnings coverage of net charge-offs (x) | 6.3537% | 2,233 |
| Efficiency ratio | 62.1091% | 5,289 |
| Assets per employee ($millions) | 2.9384% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 4,404 |
| Loan loss allowance to noncurrent loans | 220.0590% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 5,707 |
| Noncurrent loans to loans | 0.6200% | 4,894 |
| Net loans and leases to total assets | 45.8871% | 5,449 |
| Net loans and leases to deposits | 57.7287% | 5,071 |
| Net loans and leases to core deposits | 60.2401% | 5,119 |
| Total domestic deposits to total assets | 79.4876% | 5,874 |
| Equity capital to assets | 14.6570% | 834 |
| Core capital (leverage) ratio | 13.6221% | 900 |
| Tier 1 risk-based capital ratio | 32.1302% | 447 |
| Total risk-based capital ratio | 33.3830% | 439 |
| Memoranda: | ||
| Average total assets | $117,132,000 | 4,462 |
| Average earning assets | $110,052,500 | 4,369 |
| Average equity | $17,113,000 | 3,652 |
| Average total loans | $56,157,000 | 4,850 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 2,319 |
| Cost of funding earning assets | 0.6765% | 3,673 |
| Net interest margin | 4.0940% | 2,026 |
| Noninterest income to average assets | 1.0477% | 1,413 |
| Noninterest expense to average assets | 3.0182% | 3,206 |
| Loan and lease loss provision to assets | 0.2472% | 2,677 |
| Net operating income to assets | 1.1969% | 1,614 |
| Return on assets (ROA) | 1.1969% | 1,782 |
| Pretax return on assets | 1.6245% | 1,323 |
| Return on Equity (ROE) | 8.3205% | 2,948 |
| Retained earnings to average equity (ytd only) | 5.9932% | 2,079 |
| Net charge-offs to loans | 0.4442% | 2,450 |
| Credit loss provision to net charge-offs | 116.3265% | 2,481 |
| Earnings coverage of net charge-offs (x) | 8.8082% | 2,349 |
| Efficiency ratio | 61.7240% | 5,278 |
| Assets per employee ($millions) | 3.0718% | 5,899 |
| Cash dividends to net income (ytd only)* | 27.9710% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 4,718 |
| Loan loss allowance to noncurrent loans | 135.5311% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 5,304 |
| Noncurrent loans to loans | 0.9473% | 4,297 |
| Net loans and leases to total assets | 48.7407% | 5,337 |
| Net loans and leases to deposits | 61.2584% | 4,874 |
| Net loans and leases to core deposits | 63.9392% | 4,964 |
| Total domestic deposits to total assets | 79.5657% | 5,767 |
| Equity capital to assets | 14.5627% | 853 |
| Core capital (leverage) ratio | 14.6803% | 632 |
| Tier 1 risk-based capital ratio | 28.8152% | 571 |
| Total risk-based capital ratio | 30.0652% | 559 |
| Memoranda: | ||
| Average total assets | $115,299,600 | 4,458 |
| Average earning assets | $108,207,400 | 4,390 |
| Average equity | $16,585,600 | 3,689 |
| Average total loans | $55,150,000 | 4,899 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 2,320 |
| Cost of funding earning assets | 0.7284% | 3,533 |
| Net interest margin | 4.0907% | 2,121 |
| Noninterest income to average assets | 0.9941% | 1,518 |
| Noninterest expense to average assets | 2.9220% | 3,511 |
| Loan and lease loss provision to assets | 0.3051% | 2,167 |
| Net operating income to assets | 1.1901% | 1,774 |
| Return on assets (ROA) | 1.1901% | 1,953 |
| Pretax return on assets | 1.6043% | 1,563 |
| Return on Equity (ROE) | 8.2997% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.2997% | 1,495 |
| Net charge-offs to loans | 0.2103% | 3,471 |
| Credit loss provision to net charge-offs | 305.8140% | 880 |
| Earnings coverage of net charge-offs (x) | 19.1402% | 1,514 |
| Efficiency ratio | 60.4802% | 5,415 |
| Assets per employee ($millions) | 2.9839% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,660 |
| Loan loss allowance to noncurrent loans | 128.0292% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 5,121 |
| Noncurrent loans to loans | 1.2247% | 4,006 |
| Net loans and leases to total assets | 49.8678% | 5,323 |
| Net loans and leases to deposits | 63.8790% | 4,728 |
| Net loans and leases to core deposits | 66.3285% | 4,918 |
| Total domestic deposits to total assets | 78.0660% | 6,061 |
| Equity capital to assets | 15.4859% | 707 |
| Core capital (leverage) ratio | 14.2183% | 768 |
| Tier 1 risk-based capital ratio | 29.5443% | 551 |
| Total risk-based capital ratio | 30.7981% | 544 |
| Memoranda: | ||
| Average total assets | $114,942,000 | 4,512 |
| Average earning assets | $107,819,750 | 4,443 |
| Average equity | $16,482,250 | 3,740 |
| Average total loans | $54,528,750 | 4,971 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 2,654 |
| Cost of funding earning assets | 0.7368% | 3,707 |
| Net interest margin | 4.0298% | 2,383 |
| Noninterest income to average assets | 0.9205% | 1,711 |
| Noninterest expense to average assets | 2.8372% | 3,878 |
| Loan and lease loss provision to assets | 0.3057% | 2,157 |
| Net operating income to assets | 1.1678% | 1,823 |
| Return on assets (ROA) | 1.1678% | 2,025 |
| Pretax return on assets | 1.5628% | 1,662 |
| Return on Equity (ROE) | 8.3552% | 3,087 |
| Retained earnings to average equity (ytd only) | 8.3552% | 1,495 |
| Net charge-offs to loans | 0.3219% | 2,746 |
| Credit loss provision to net charge-offs | 204.5977% | 1,396 |
| Earnings coverage of net charge-offs (x) | 12.5057% | 1,871 |
| Efficiency ratio | 60.2920% | 5,529 |
| Assets per employee ($millions) | 3.1499% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 4,180 |
| Loan loss allowance to noncurrent loans | 126.5600% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 5,404 |
| Noncurrent loans to loans | 1.1574% | 4,224 |
| Net loans and leases to total assets | 44.4551% | 5,967 |
| Net loans and leases to deposits | 58.4916% | 5,398 |
| Net loans and leases to core deposits | 60.6103% | 5,530 |
| Total domestic deposits to total assets | 76.0025% | 6,459 |
| Equity capital to assets | 13.9211% | 1,132 |
| Core capital (leverage) ratio | 13.7508% | 882 |
| Tier 1 risk-based capital ratio | 29.5066% | 542 |
| Total risk-based capital ratio | 30.7600% | 530 |
| Memoranda: | ||
| Average total assets | $116,454,670 | 4,495 |
| Average earning assets | $109,386,000 | 4,424 |
| Average equity | $16,277,330 | 3,763 |
| Average total loans | $54,060,670 | 5,027 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 2,561 |
| Cost of funding earning assets | 0.7567% | 3,816 |
| Net interest margin | 4.0618% | 2,246 |
| Noninterest income to average assets | 0.9126% | 1,692 |
| Noninterest expense to average assets | 2.8006% | 4,025 |
| Loan and lease loss provision to assets | 0.3832% | 1,639 |
| Net operating income to assets | 1.2052% | 1,717 |
| Return on assets (ROA) | 1.2052% | 1,901 |
| Pretax return on assets | 1.5431% | 1,762 |
| Return on Equity (ROE) | 8.6046% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.6046% | 1,728 |
| Net charge-offs to loans | 0.4585% | 1,949 |
| Credit loss provision to net charge-offs | 177.4194% | 1,445 |
| Earnings coverage of net charge-offs (x) | 8.9194% | 1,900 |
| Efficiency ratio | 59.2483% | 5,734 |
| Assets per employee ($millions) | 3.1733% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 4,669 |
| Loan loss allowance to noncurrent loans | 208.3565% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 6,066 |
| Noncurrent loans to loans | 0.6653% | 5,320 |
| Net loans and leases to total assets | 45.3225% | 5,866 |
| Net loans and leases to deposits | 59.7447% | 5,181 |
| Net loans and leases to core deposits | 61.9372% | 5,337 |
| Total domestic deposits to total assets | 75.8602% | 6,559 |
| Equity capital to assets | 13.8555% | 1,074 |
| Core capital (leverage) ratio | 13.3184% | 1,012 |
| Tier 1 risk-based capital ratio | 29.0443% | 568 |
| Total risk-based capital ratio | 30.2951% | 561 |
| Memoranda: | ||
| Average total assets | $114,834,000 | 4,570 |
| Average earning assets | $107,833,000 | 4,490 |
| Average equity | $16,084,500 | 3,800 |
| Average total loans | $54,090,000 | 5,068 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 2,171 |
| Cost of funding earning assets | 0.9296% | 3,878 |
| Net interest margin | 4.2435% | 1,914 |
| Noninterest income to average assets | 1.0084% | 1,347 |
| Noninterest expense to average assets | 3.3151% | 2,477 |
| Loan and lease loss provision to assets | 0.2647% | 3,573 |
| Net operating income to assets | 1.0480% | 2,010 |
| Return on assets (ROA) | 1.0912% | 1,986 |
| Pretax return on assets | 1.4523% | 1,622 |
| Return on Equity (ROE) | 7.9391% | 2,939 |
| Retained earnings to average equity (ytd only) | 6.1312% | 1,944 |
| Net charge-offs to loans | 0.4340% | 3,268 |
| Credit loss provision to net charge-offs | 125.6410% | 2,490 |
| Earnings coverage of net charge-offs (x) | 7.8761% | 2,241 |
| Efficiency ratio | 66.6425% | 4,632 |
| Assets per employee ($millions) | 2.8784% | 6,320 |
| Cash dividends to net income (ytd only)* | 22.7723% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 4,954 |
| Loan loss allowance to noncurrent loans | 185.1852% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 6,081 |
| Noncurrent loans to loans | 0.6972% | 5,305 |
| Net loans and leases to total assets | 47.6750% | 5,860 |
| Net loans and leases to deposits | 63.3327% | 5,085 |
| Net loans and leases to core deposits | 65.7865% | 5,274 |
| Total domestic deposits to total assets | 75.2770% | 6,567 |
| Equity capital to assets | 14.1649% | 1,011 |
| Core capital (leverage) ratio | 13.6004% | 926 |
| Tier 1 risk-based capital ratio | 28.1677% | 611 |
| Total risk-based capital ratio | 29.4175% | 602 |
| Memoranda: | ||
| Average total assets | $111,067,000 | 4,616 |
| Average earning assets | $103,806,800 | 4,546 |
| Average equity | $15,266,200 | 3,853 |
| Average total loans | $53,919,200 | 5,117 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 2,306 |
| Cost of funding earning assets | 0.9693% | 3,900 |
| Net interest margin | 4.2021% | 2,087 |
| Noninterest income to average assets | 0.9726% | 1,412 |
| Noninterest expense to average assets | 3.1295% | 3,058 |
| Loan and lease loss provision to assets | 0.3695% | 2,638 |
| Net operating income to assets | 1.0560% | 2,119 |
| Return on assets (ROA) | 1.1146% | 2,056 |
| Pretax return on assets | 1.4745% | 1,725 |
| Return on Equity (ROE) | 8.1724% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.1724% | 1,440 |
| Net charge-offs to loans | 0.4606% | 2,890 |
| Credit loss provision to net charge-offs | 165.0538% | 1,845 |
| Earnings coverage of net charge-offs (x) | 7.8926% | 2,279 |
| Efficiency ratio | 63.9135% | 5,088 |
| Assets per employee ($millions) | 2.8155% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 4,490 |
| Loan loss allowance to noncurrent loans | 230.6061% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 6,264 |
| Noncurrent loans to loans | 0.6136% | 5,666 |
| Net loans and leases to total assets | 48.2888% | 5,923 |
| Net loans and leases to deposits | 64.7712% | 5,081 |
| Net loans and leases to core deposits | 67.6659% | 5,214 |
| Total domestic deposits to total assets | 74.5528% | 6,697 |
| Equity capital to assets | 14.5077% | 987 |
| Core capital (leverage) ratio | 13.9516% | 913 |
| Tier 1 risk-based capital ratio | 27.6659% | 686 |
| Total risk-based capital ratio | 28.9177% | 671 |
| Memoranda: | ||
| Average total assets | $110,769,750 | 4,649 |
| Average earning assets | $103,437,000 | 4,589 |
| Average equity | $15,107,500 | 3,895 |
| Average total loans | $53,844,500 | 5,169 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0565% | 2,892 |
| Cost of funding earning assets | 1.0028% | 3,926 |
| Net interest margin | 4.0537% | 2,596 |
| Noninterest income to average assets | 0.9326% | 1,522 |
| Noninterest expense to average assets | 3.0749% | 3,349 |
| Loan and lease loss provision to assets | 0.3817% | 2,508 |
| Net operating income to assets | 0.9638% | 2,372 |
| Return on assets (ROA) | 1.0514% | 2,128 |
| Pretax return on assets | 1.3754% | 1,877 |
| Return on Equity (ROE) | 7.8742% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.8742% | 1,499 |
| Net charge-offs to loans | 0.2970% | 3,387 |
| Credit loss provision to net charge-offs | 265.0000% | 1,148 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,720 |
| Efficiency ratio | 65.1908% | 5,025 |
| Assets per employee ($millions) | 2.9643% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 4,322 |
| Loan loss allowance to noncurrent loans | 129.5302% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 5,775 |
| Noncurrent loans to loans | 1.1226% | 4,791 |
| Net loans and leases to total assets | 47.7019% | 6,082 |
| Net loans and leases to deposits | 63.4839% | 5,341 |
| Net loans and leases to core deposits | 66.2971% | 5,476 |
| Total domestic deposits to total assets | 75.1402% | 6,708 |
| Equity capital to assets | 13.9890% | 1,100 |
| Core capital (leverage) ratio | 13.4781% | 1,004 |
| Tier 1 risk-based capital ratio | 27.6868% | 682 |
| Total risk-based capital ratio | 28.9386% | 664 |
| Memoranda: | ||
| Average total assets | $111,091,670 | 4,676 |
| Average earning assets | $103,707,330 | 4,611 |
| Average equity | $14,833,330 | 3,938 |
| Average total loans | $53,864,670 | 5,219 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 3,455 |
| Cost of funding earning assets | 1.0393% | 3,922 |
| Net interest margin | 3.8850% | 3,218 |
| Noninterest income to average assets | 0.9159% | 1,599 |
| Noninterest expense to average assets | 2.9911% | 3,683 |
| Loan and lease loss provision to assets | 0.4186% | 2,097 |
| Net operating income to assets | 0.8925% | 2,601 |
| Return on assets (ROA) | 1.0734% | 1,987 |
| Pretax return on assets | 1.3596% | 1,851 |
| Return on Equity (ROE) | 8.2313% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.2313% | 1,649 |
| Net charge-offs to loans | 0.0811% | 4,131 |
| Credit loss provision to net charge-offs | 1,063.6364% | 364 |
| Earnings coverage of net charge-offs (x) | 39.3636% | 691 |
| Efficiency ratio | 65.8786% | 5,054 |
| Assets per employee ($millions) | 3.2517% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,754 |
| Loan loss allowance to noncurrent loans | 196.3158% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 6,321 |
| Noncurrent loans to loans | 0.7042% | 5,608 |
| Net loans and leases to total assets | 45.4588% | 6,336 |
| Net loans and leases to deposits | 58.9522% | 5,835 |
| Net loans and leases to core deposits | 61.3281% | 5,988 |
| Total domestic deposits to total assets | 77.1113% | 6,516 |
| Equity capital to assets | 12.6070% | 1,568 |
| Core capital (leverage) ratio | 13.2174% | 1,053 |
| Tier 1 risk-based capital ratio | 26.2931% | 758 |
| Total risk-based capital ratio | 27.5337% | 745 |
| Memoranda: | ||
| Average total assets | $111,798,000 | 4,690 |
| Average earning assets | $104,298,000 | 4,633 |
| Average equity | $14,578,500 | 3,978 |
| Average total loans | $54,251,500 | 5,242 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 1,083 |
| Cost of funding earning assets | 1.3115% | 3,807 |
| Net interest margin | 4.5670% | 1,085 |
| Noninterest income to average assets | 0.8279% | 2,150 |
| Noninterest expense to average assets | 3.2995% | 2,739 |
| Loan and lease loss provision to assets | 0.2277% | 5,001 |
| Net operating income to assets | 1.0923% | 1,723 |
| Return on assets (ROA) | 1.0923% | 1,808 |
| Pretax return on assets | 1.4319% | 1,557 |
| Return on Equity (ROE) | 8.1818% | 2,626 |
| Retained earnings to average equity (ytd only) | 6.4693% | 1,569 |
| Net charge-offs to loans | 0.3174% | 4,432 |
| Credit loss provision to net charge-offs | 140.6977% | 2,682 |
| Earnings coverage of net charge-offs (x) | 10.2558% | 1,735 |
| Efficiency ratio | 66.5339% | 4,859 |
| Assets per employee ($millions) | 2.8793% | 6,383 |
| Cash dividends to net income (ytd only)* | 20.9302% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,630 |
| Loan loss allowance to noncurrent loans | 174.3869% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 6,328 |
| Noncurrent loans to loans | 0.6729% | 5,700 |
| Net loans and leases to total assets | 50.5961% | 6,100 |
| Net loans and leases to deposits | 67.1961% | 5,217 |
| Net loans and leases to core deposits | 70.2480% | 5,423 |
| Total domestic deposits to total assets | 75.2961% | 6,731 |
| Equity capital to assets | 13.5159% | 1,174 |
| Core capital (leverage) ratio | 13.7240% | 923 |
| Tier 1 risk-based capital ratio | 25.9047% | 764 |
| Total risk-based capital ratio | 27.0605% | 751 |
| Memoranda: | ||
| Average total assets | $106,288,800 | 4,817 |
| Average earning assets | $96,147,000 | 4,819 |
| Average equity | $14,190,000 | 4,106 |
| Average total loans | $54,191,200 | 5,309 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9406% | 1,052 |
| Cost of funding earning assets | 1.3579% | 3,847 |
| Net interest margin | 4.5827% | 1,080 |
| Noninterest income to average assets | 0.7606% | 2,449 |
| Noninterest expense to average assets | 3.1190% | 3,247 |
| Loan and lease loss provision to assets | 0.2824% | 4,321 |
| Net operating income to assets | 1.0857% | 1,942 |
| Return on assets (ROA) | 1.0857% | 2,052 |
| Pretax return on assets | 1.4723% | 1,680 |
| Return on Equity (ROE) | 8.1576% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.1576% | 1,368 |
| Net charge-offs to loans | 0.3475% | 3,917 |
| Credit loss provision to net charge-offs | 159.5745% | 2,376 |
| Earnings coverage of net charge-offs (x) | 9.9146% | 1,942 |
| Efficiency ratio | 63.9969% | 5,236 |
| Assets per employee ($millions) | 2.9216% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 5,672 |
| Loan loss allowance to noncurrent loans | 163.5000% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 6,363 |
| Noncurrent loans to loans | 0.7084% | 5,793 |
| Net loans and leases to total assets | 54.5802% | 5,759 |
| Net loans and leases to deposits | 73.9405% | 4,522 |
| Net loans and leases to core deposits | 77.5067% | 4,862 |
| Total domestic deposits to total assets | 73.8164% | 6,940 |
| Equity capital to assets | 14.5030% | 1,018 |
| Core capital (leverage) ratio | 13.8748% | 946 |
| Tier 1 risk-based capital ratio | 25.1350% | 855 |
| Total risk-based capital ratio | 26.2852% | 844 |
| Memoranda: | ||
| Average total assets | $106,227,500 | 4,882 |
| Average earning assets | $95,341,000 | 4,916 |
| Average equity | $14,137,750 | 4,177 |
| Average total loans | $54,103,500 | 5,385 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 1,329 |
| Cost of funding earning assets | 1.3926% | 3,921 |
| Net interest margin | 4.4438% | 1,337 |
| Noninterest income to average assets | 0.6992% | 2,709 |
| Noninterest expense to average assets | 3.0069% | 3,688 |
| Loan and lease loss provision to assets | 0.2789% | 4,168 |
| Net operating income to assets | 1.0283% | 2,090 |
| Return on assets (ROA) | 1.0283% | 2,165 |
| Pretax return on assets | 1.3593% | 1,921 |
| Return on Equity (ROE) | 7.9528% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.9528% | 1,456 |
| Net charge-offs to loans | 0.3564% | 3,571 |
| Credit loss provision to net charge-offs | 157.8947% | 2,494 |
| Earnings coverage of net charge-offs (x) | 9.2737% | 2,038 |
| Efficiency ratio | 64.7318% | 5,199 |
| Assets per employee ($millions) | 2.6489% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 5,698 |
| Loan loss allowance to noncurrent loans | 136.1656% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 6,281 |
| Noncurrent loans to loans | 0.8435% | 5,588 |
| Net loans and leases to total assets | 50.7697% | 6,342 |
| Net loans and leases to deposits | 67.4115% | 5,625 |
| Net loans and leases to core deposits | 81.7722% | 4,448 |
| Total domestic deposits to total assets | 75.3131% | 6,807 |
| Equity capital to assets | 13.5133% | 1,342 |
| Core capital (leverage) ratio | 12.7178% | 1,321 |
| Tier 1 risk-based capital ratio | 24.6257% | 881 |
| Total risk-based capital ratio | 25.7266% | 875 |
| Memoranda: | ||
| Average total assets | $107,551,670 | 4,874 |
| Average earning assets | $95,504,330 | 4,945 |
| Average equity | $13,907,000 | 4,218 |
| Average total loans | $53,316,330 | 5,454 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7746% | 1,543 |
| Cost of funding earning assets | 1.4532% | 3,851 |
| Net interest margin | 4.3214% | 1,624 |
| Noninterest income to average assets | 0.6830% | 2,719 |
| Noninterest expense to average assets | 2.9423% | 3,901 |
| Loan and lease loss provision to assets | 0.2769% | 3,809 |
| Net operating income to assets | 0.9635% | 2,318 |
| Return on assets (ROA) | 0.9635% | 2,381 |
| Pretax return on assets | 1.2183% | 2,301 |
| Return on Equity (ROE) | 7.6196% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.6196% | 1,874 |
| Net charge-offs to loans | 0.4018% | 2,835 |
| Credit loss provision to net charge-offs | 141.5094% | 2,511 |
| Earnings coverage of net charge-offs (x) | 7.6415% | 2,061 |
| Efficiency ratio | 66.3062% | 5,051 |
| Assets per employee ($millions) | 3.0269% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,911 |
| Loan loss allowance to noncurrent loans | 151.7949% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 6,553 |
| Noncurrent loans to loans | 0.7383% | 5,847 |
| Net loans and leases to total assets | 45.4123% | 6,881 |
| Net loans and leases to deposits | 58.4762% | 6,590 |
| Net loans and leases to core deposits | 60.8282% | 6,683 |
| Total domestic deposits to total assets | 77.6594% | 6,408 |
| Equity capital to assets | 12.0366% | 2,023 |
| Core capital (leverage) ratio | 12.1856% | 1,554 |
| Tier 1 risk-based capital ratio | 24.3191% | 932 |
| Total risk-based capital ratio | 25.3709% | 933 |
| Memoranda: | ||
| Average total assets | $108,350,000 | 4,914 |
| Average earning assets | $94,137,000 | 5,044 |
| Average equity | $13,701,500 | 4,313 |
| Average total loans | $52,765,500 | 5,547 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9118% | 313 |
| Cost of funding earning assets | 2.0432% | 2,757 |
| Net interest margin | 4.8685% | 600 |
| Noninterest income to average assets | 0.8215% | 2,300 |
| Noninterest expense to average assets | 3.3449% | 2,854 |
| Loan and lease loss provision to assets | 0.1417% | 6,223 |
| Net operating income to assets | 1.0184% | 1,780 |
| Return on assets (ROA) | 1.0568% | 1,680 |
| Pretax return on assets | 1.3518% | 1,552 |
| Return on Equity (ROE) | 8.3989% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.7053% | 1,067 |
| Net charge-offs to loans | 0.2824% | 4,866 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 10.1905% | 1,713 |
| Efficiency ratio | 69.8410% | 4,659 |
| Assets per employee ($millions) | 2.6757% | 6,899 |
| Cash dividends to net income (ytd only)* | 20.1642% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 5,989 |
| Loan loss allowance to noncurrent loans | 103.4483% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 6,094 |
| Noncurrent loans to loans | 1.0455% | 5,226 |
| Net loans and leases to total assets | 51.2746% | 6,502 |
| Net loans and leases to deposits | 68.3115% | 5,790 |
| Net loans and leases to core deposits | 88.0835% | 5,319 |
| Total domestic deposits to total assets | 75.0600% | 6,852 |
| Equity capital to assets | 13.3345% | 1,382 |
| Core capital (leverage) ratio | 12.9003% | 1,278 |
| Tier 1 risk-based capital ratio | 24.2684% | 924 |
| Total risk-based capital ratio | 25.2987% | 919 |
| Memoranda: | ||
| Average total assets | $103,710,800 | 4,992 |
| Average earning assets | $84,522,400 | 5,318 |
| Average equity | $13,049,400 | 4,498 |
| Average total loans | $52,060,400 | 5,586 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8181% | 403 |
| Cost of funding earning assets | 2.1192% | 2,805 |
| Net interest margin | 4.6989% | 827 |
| Noninterest income to average assets | 0.8047% | 2,405 |
| Noninterest expense to average assets | 3.2751% | 3,011 |
| Loan and lease loss provision to assets | 0.1727% | 5,634 |
| Net operating income to assets | 0.9262% | 2,320 |
| Return on assets (ROA) | 0.9262% | 2,390 |
| Pretax return on assets | 1.2090% | 2,237 |
| Return on Equity (ROE) | 7.4701% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.4701% | 1,322 |
| Net charge-offs to loans | 0.1798% | 4,950 |
| Credit loss provision to net charge-offs | 192.8571% | 2,345 |
| Earnings coverage of net charge-offs (x) | 15.4287% | 1,534 |
| Efficiency ratio | 70.3297% | 4,525 |
| Assets per employee ($millions) | 2.7918% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 5,115 |
| Loan loss allowance to noncurrent loans | 161.5776% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 6,552 |
| Noncurrent loans to loans | 0.7422% | 5,829 |
| Net loans and leases to total assets | 49.3138% | 6,843 |
| Net loans and leases to deposits | 65.2148% | 6,380 |
| Net loans and leases to core deposits | 89.8468% | 5,445 |
| Total domestic deposits to total assets | 75.6174% | 6,657 |
| Equity capital to assets | 12.9619% | 1,712 |
| Core capital (leverage) ratio | 12.9468% | 1,388 |
| Tier 1 risk-based capital ratio | 23.9125% | 1,007 |
| Total risk-based capital ratio | 25.0563% | 997 |
| Memoranda: | ||
| Average total assets | $104,219,500 | 5,010 |
| Average earning assets | $85,437,250 | 5,321 |
| Average equity | $12,922,250 | 4,562 |
| Average total loans | $51,899,500 | 5,639 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8054% | 447 |
| Cost of funding earning assets | 2.2068% | 2,763 |
| Net interest margin | 4.5986% | 952 |
| Noninterest income to average assets | 0.7568% | 2,665 |
| Noninterest expense to average assets | 3.1854% | 3,371 |
| Loan and lease loss provision to assets | 0.1738% | 5,318 |
| Net operating income to assets | 0.9054% | 2,437 |
| Return on assets (ROA) | 0.9054% | 2,536 |
| Pretax return on assets | 1.1912% | 2,326 |
| Return on Equity (ROE) | 7.4174% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.4174% | 1,428 |
| Net charge-offs to loans | 0.2134% | 4,178 |
| Credit loss provision to net charge-offs | 163.6364% | 2,803 |
| Earnings coverage of net charge-offs (x) | 12.8545% | 1,779 |
| Efficiency ratio | 70.0042% | 4,782 |
| Assets per employee ($millions) | 2.5769% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 4,952 |
| Loan loss allowance to noncurrent loans | 130.9524% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 6,325 |
| Noncurrent loans to loans | 0.9154% | 5,384 |
| Net loans and leases to total assets | 48.3764% | 7,007 |
| Net loans and leases to deposits | 63.7044% | 6,593 |
| Net loans and leases to core deposits | 87.2206% | 5,793 |
| Total domestic deposits to total assets | 75.9389% | 6,563 |
| Equity capital to assets | 12.4851% | 1,931 |
| Core capital (leverage) ratio | 15.5796% | 813 |
| Tier 1 risk-based capital ratio | 24.4219% | 986 |
| Total risk-based capital ratio | 25.5566% | 983 |
| Memoranda: | ||
| Average total assets | $103,596,670 | 5,058 |
| Average earning assets | $85,461,330 | 5,359 |
| Average equity | $12,646,000 | 4,649 |
| Average total loans | $51,549,000 | 5,693 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6498% | 635 |
| Cost of funding earning assets | 2.2793% | 2,793 |
| Net interest margin | 4.3705% | 1,421 |
| Noninterest income to average assets | 0.7433% | 2,639 |
| Noninterest expense to average assets | 3.0311% | 3,627 |
| Loan and lease loss provision to assets | 0.1733% | 4,730 |
| Net operating income to assets | 0.9475% | 2,526 |
| Return on assets (ROA) | 0.9475% | 2,655 |
| Pretax return on assets | 1.2093% | 2,595 |
| Return on Equity (ROE) | 7.8503% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.8503% | 1,873 |
| Net charge-offs to loans | 0.2381% | 3,211 |
| Credit loss provision to net charge-offs | 145.1613% | 2,846 |
| Earnings coverage of net charge-offs (x) | 11.5806% | 1,867 |
| Efficiency ratio | 68.6736% | 4,840 |
| Assets per employee ($millions) | 2.6180% | 7,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 5,177 |
| Loan loss allowance to noncurrent loans | 140.7229% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 6,315 |
| Noncurrent loans to loans | 0.8113% | 5,413 |
| Net loans and leases to total assets | 48.2878% | 7,002 |
| Net loans and leases to deposits | 63.2352% | 6,632 |
| Net loans and leases to core deposits | 86.7207% | 5,852 |
| Total domestic deposits to total assets | 76.3622% | 6,441 |
| Equity capital to assets | 12.1651% | 2,160 |
| Core capital (leverage) ratio | 12.2398% | 1,796 |
| Tier 1 risk-based capital ratio | 22.9267% | 1,204 |
| Total risk-based capital ratio | 23.9730% | 1,194 |
| Memoranda: | ||
| Average total assets | $103,857,500 | 5,072 |
| Average earning assets | $87,220,500 | 5,311 |
| Average equity | $12,534,500 | 4,697 |
| Average total loans | $52,089,000 | 5,712 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4784% | 430 |
| Cost of funding earning assets | 2.6524% | 3,411 |
| Net interest margin | 4.8260% | 740 |
| Noninterest income to average assets | 0.8685% | 2,116 |
| Noninterest expense to average assets | 3.7404% | 1,875 |
| Loan and lease loss provision to assets | 0.1347% | 5,631 |
| Net operating income to assets | 0.7328% | 3,747 |
| Return on assets (ROA) | 0.7328% | 3,581 |
| Pretax return on assets | 1.1161% | 2,973 |
| Return on Equity (ROE) | 5.4161% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.4161% | 1,805 |
| Net charge-offs to loans | 0.2574% | 3,699 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 9.2868% | 2,715 |
| Efficiency ratio | 74.9405% | 3,408 |
| Assets per employee ($millions) | 2.6409% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 5,457 |
| Loan loss allowance to noncurrent loans | 103.8251% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5330% | 5,579 |
| Noncurrent loans to loans | 1.0353% | 4,515 |
| Net loans and leases to total assets | 50.9316% | 6,941 |
| Net loans and leases to deposits | 66.6353% | 6,599 |
| Net loans and leases to core deposits | 91.6409% | 5,671 |
| Total domestic deposits to total assets | 76.4333% | 6,139 |
| Equity capital to assets | 11.9712% | 2,307 |
| Core capital (leverage) ratio | 13.9295% | 1,271 |
| Tier 1 risk-based capital ratio | 21.9721% | 1,319 |
| Total risk-based capital ratio | 22.9699% | 1,315 |
| Memoranda: | ||
| Average total assets | $100,977,400 | 5,016 |
| Average earning assets | $86,261,200 | 5,222 |
| Average equity | $13,663,000 | 4,413 |
| Average total loans | $52,845,400 | 5,591 |