Home > Bank of Jamestown > Performance and Condition Ratios
Bank of Jamestown, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 3,293 |
| Cost of funding earning assets | 1.2737% | 2,589 |
| Net interest margin | 3.1176% | 3,061 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.9511% | 3,732 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0456% | 2,077 |
| Return on assets (ROA) | 1.0456% | 2,046 |
| Pretax return on assets | 1.3089% | 1,847 |
| Return on Equity (ROE) | 9.2900% | 2,686 |
| Retained earnings to average equity (ytd only) | 7.4642% | 1,725 |
| Net charge-offs to loans | 0.0092% | 2,317 |
| Credit loss provision to net charge-offs | 1,123.0769% | 375 |
| Earnings coverage of net charge-offs (x) | 249.7692% | 497 |
| Efficiency ratio | 58.5895% | 3,234 |
| Assets per employee ($millions) | 7.2043% | 1,933 |
| Cash dividends to net income (ytd only)* | 19.6588% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 1,660 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.5200% | 2,625 |
| Net loans and leases to deposits | 86.1483% | 1,605 |
| Net loans and leases to core deposits | 89.9936% | 2,049 |
| Total domestic deposits to total assets | 72.5700% | 4,195 |
| Equity capital to assets | 11.8255% | 1,193 |
| Core capital (leverage) ratio | 12.5225% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $235,461,200 | 2,765 |
| Average earning assets | $226,743,400 | 2,705 |
| Average equity | $26,499,800 | 2,432 |
| Average total loans | $142,074,200 | 2,742 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 3,359 |
| Cost of funding earning assets | 1.1948% | 2,449 |
| Net interest margin | 3.0651% | 3,211 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.9674% | 3,672 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0166% | 2,315 |
| Return on assets (ROA) | 1.0166% | 2,300 |
| Pretax return on assets | 1.2562% | 2,159 |
| Return on Equity (ROE) | 9.1500% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.6777% | 2,407 |
| Net charge-offs to loans | 0.0076% | 2,134 |
| Credit loss provision to net charge-offs | 850.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 289.7500% | 463 |
| Efficiency ratio | 59.9239% | 2,973 |
| Assets per employee ($millions) | 6.9183% | 2,022 |
| Cash dividends to net income (ytd only)* | 27.0240% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 1,709 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.3700% | 2,804 |
| Net loans and leases to deposits | 82.5691% | 1,865 |
| Net loans and leases to core deposits | 86.2567% | 2,173 |
| Total domestic deposits to total assets | 73.1100% | 4,213 |
| Equity capital to assets | 11.3203% | 1,236 |
| Core capital (leverage) ratio | 12.5508% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $234,891,250 | 2,777 |
| Average earning assets | $226,411,000 | 2,713 |
| Average equity | $26,096,250 | 2,440 |
| Average total loans | $139,936,000 | 2,775 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 3,440 |
| Cost of funding earning assets | 1.1051% | 2,266 |
| Net interest margin | 3.0201% | 3,377 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.9686% | 3,661 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9592% | 2,549 |
| Return on assets (ROA) | 0.9592% | 2,541 |
| Pretax return on assets | 1.1918% | 2,382 |
| Return on Equity (ROE) | 8.6900% | 3,064 |
| Retained earnings to average equity (ytd only) | 4.9539% | 2,952 |
| Net charge-offs to loans | 0.0144% | 1,657 |
| Credit loss provision to net charge-offs | 990.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 151.9000% | 746 |
| Efficiency ratio | 60.3394% | 2,924 |
| Assets per employee ($millions) | 6.9497% | 1,965 |
| Cash dividends to net income (ytd only)* | 42.9840% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 1,565 |
| Loan loss allowance to noncurrent loans | 8,141.6667% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,748 |
| Noncurrent loans to loans | 0.0171% | 3,643 |
| Net loans and leases to total assets | 58.6300% | 2,905 |
| Net loans and leases to deposits | 78.2863% | 2,107 |
| Net loans and leases to core deposits | 81.4928% | 2,371 |
| Total domestic deposits to total assets | 74.8900% | 4,131 |
| Equity capital to assets | 11.1088% | 1,345 |
| Core capital (leverage) ratio | 12.2573% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $234,780,667 | 2,785 |
| Average earning assets | $227,673,667 | 2,712 |
| Average equity | $25,919,000 | 2,467 |
| Average total loans | $138,608,333 | 2,787 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,362 |
| Cost of funding earning assets | 1.0088% | 2,016 |
| Net interest margin | 3.0389% | 3,498 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.9622% | 3,706 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.9845% | 2,581 |
| Return on assets (ROA) | 0.9845% | 2,549 |
| Pretax return on assets | 1.2238% | 2,366 |
| Return on Equity (ROE) | 8.9500% | 3,064 |
| Retained earnings to average equity (ytd only) | 1.4289% | 3,796 |
| Net charge-offs to loans | 0.0203% | 1,269 |
| Credit loss provision to net charge-offs | 157.1429% | 929 |
| Earnings coverage of net charge-offs (x) | 110.8571% | 739 |
| Efficiency ratio | 59.6674% | 2,998 |
| Assets per employee ($millions) | 7.0504% | 1,943 |
| Cash dividends to net income (ytd only)* | 84.0278% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 1,744 |
| Loan loss allowance to noncurrent loans | 1,153.7037% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,078 |
| Noncurrent loans to loans | 0.1186% | 2,924 |
| Net loans and leases to total assets | 57.9100% | 2,877 |
| Net loans and leases to deposits | 77.2635% | 2,012 |
| Net loans and leases to core deposits | 80.4732% | 2,219 |
| Total domestic deposits to total assets | 74.9500% | 4,227 |
| Equity capital to assets | 11.1526% | 1,288 |
| Core capital (leverage) ratio | 12.0225% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $234,026,000 | 2,823 |
| Average earning assets | $226,796,000 | 2,760 |
| Average equity | $25,754,000 | 2,499 |
| Average total loans | $137,667,000 | 2,819 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6990% | 2,525 |
| Cost of funding earning assets | 0.6982% | 583 |
| Net interest margin | 3.0008% | 3,448 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.8847% | 3,865 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0155% | 2,512 |
| Return on assets (ROA) | 1.0155% | 2,459 |
| Pretax return on assets | 1.2454% | 2,291 |
| Return on Equity (ROE) | 9.2800% | 3,038 |
| Retained earnings to average equity (ytd only) | 4.0401% | 3,384 |
| Net charge-offs to loans | 0.0078% | 2,107 |
| Credit loss provision to net charge-offs | 2,181.8182% | 246 |
| Earnings coverage of net charge-offs (x) | 289.6364% | 501 |
| Efficiency ratio | 58.3203% | 3,294 |
| Assets per employee ($millions) | 7.1330% | 1,871 |
| Cash dividends to net income (ytd only)* | 56.4530% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 1,425 |
| Loan loss allowance to noncurrent loans | 3,464.9123% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,560 |
| Noncurrent loans to loans | 0.0411% | 3,476 |
| Net loans and leases to total assets | 58.1000% | 2,813 |
| Net loans and leases to deposits | 77.6663% | 1,980 |
| Net loans and leases to core deposits | 80.8624% | 2,085 |
| Total domestic deposits to total assets | 74.8100% | 4,324 |
| Equity capital to assets | 10.8586% | 1,319 |
| Core capital (leverage) ratio | 11.8384% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $236,542,000 | 2,808 |
| Average earning assets | $229,437,800 | 2,740 |
| Average equity | $25,890,600 | 2,538 |
| Average total loans | $141,828,600 | 2,708 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 2,303 |
| Cost of funding earning assets | 0.6482% | 340 |
| Net interest margin | 2.9666% | 3,306 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.9062% | 3,736 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.9638% | 2,611 |
| Return on assets (ROA) | 0.9638% | 2,585 |
| Pretax return on assets | 1.1907% | 2,404 |
| Return on Equity (ROE) | 8.7900% | 3,091 |
| Retained earnings to average equity (ytd only) | 6.2165% | 2,668 |
| Net charge-offs to loans | -0.0019% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.6022% | 3,163 |
| Assets per employee ($millions) | 7.1177% | 1,867 |
| Cash dividends to net income (ytd only)* | 29.2640% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,602 |
| Loan loss allowance to noncurrent loans | 1,752.7273% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,406 |
| Noncurrent loans to loans | 0.0799% | 3,305 |
| Net loans and leases to total assets | 57.7900% | 2,719 |
| Net loans and leases to deposits | 75.3380% | 1,930 |
| Net loans and leases to core deposits | 78.0157% | 2,040 |
| Total domestic deposits to total assets | 76.7100% | 4,335 |
| Equity capital to assets | 10.7836% | 1,259 |
| Core capital (leverage) ratio | 12.0607% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $236,830,250 | 2,826 |
| Average earning assets | $229,750,500 | 2,763 |
| Average equity | $25,973,250 | 2,578 |
| Average total loans | $142,601,750 | 2,712 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 2,163 |
| Cost of funding earning assets | 0.6169% | 245 |
| Net interest margin | 2.8790% | 3,222 |
| Noninterest income to average assets | 0.3192% | 3,262 |
| Noninterest expense to average assets | 1.8949% | 3,716 |
| Loan and lease loss provision to assets | 0.1011% | 990 |
| Net operating income to assets | 0.9087% | 2,547 |
| Return on assets (ROA) | 0.9087% | 2,517 |
| Pretax return on assets | 1.1176% | 2,341 |
| Return on Equity (ROE) | 8.2404% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.4142% | 2,917 |
| Net charge-offs to loans | -0.0042% | 3,285 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8602% | 3,198 |
| Assets per employee ($millions) | 7.1431% | 1,849 |
| Cash dividends to net income (ytd only)* | 46.4319% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,225 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,542 |
| Noncurrent loans to loans | 0.0615% | 3,493 |
| Net loans and leases to total assets | 60.5821% | 2,266 |
| Net loans and leases to deposits | 79.9474% | 1,393 |
| Net loans and leases to core deposits | 82.8115% | 1,533 |
| Total domestic deposits to total assets | 75.7775% | 4,470 |
| Equity capital to assets | 10.9480% | 1,235 |
| Core capital (leverage) ratio | 11.6113% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,479,000 | 2,844 |
| Average earning assets | $230,499,333 | 2,792 |
| Average equity | $26,188,000 | 2,626 |
| Average total loans | $144,247,000 | 2,705 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4093% | 2,062 |
| Cost of funding earning assets | 0.5895% | 280 |
| Net interest margin | 2.8198% | 3,077 |
| Noninterest income to average assets | 0.3121% | 3,229 |
| Noninterest expense to average assets | 1.8862% | 3,711 |
| Loan and lease loss provision to assets | 0.1007% | 830 |
| Net operating income to assets | 0.8676% | 2,426 |
| Return on assets (ROA) | 0.8676% | 2,416 |
| Pretax return on assets | 1.0623% | 2,256 |
| Return on Equity (ROE) | 7.8397% | 2,744 |
| Retained earnings to average equity (ytd only) | 0.2426% | 3,970 |
| Net charge-offs to loans | -0.0056% | 3,368 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8602% | 3,278 |
| Assets per employee ($millions) | 7.2425% | 1,825 |
| Cash dividends to net income (ytd only)* | 96.9052% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 2,550 |
| Loan loss allowance to noncurrent loans | 3,171.9298% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,739 |
| Noncurrent loans to loans | 0.0397% | 3,690 |
| Net loans and leases to total assets | 59.3153% | 2,149 |
| Net loans and leases to deposits | 78.1213% | 1,277 |
| Net loans and leases to core deposits | 80.8097% | 1,432 |
| Total domestic deposits to total assets | 75.9272% | 4,505 |
| Equity capital to assets | 10.8186% | 1,429 |
| Core capital (leverage) ratio | 11.3644% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,357,000 | 2,856 |
| Average earning assets | $231,364,000 | 2,795 |
| Average equity | $26,378,500 | 2,690 |
| Average total loans | $144,033,000 | 2,697 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 2,365 |
| Cost of funding earning assets | 0.6603% | 401 |
| Net interest margin | 2.9492% | 3,323 |
| Noninterest income to average assets | 0.3078% | 3,562 |
| Noninterest expense to average assets | 1.9025% | 3,917 |
| Loan and lease loss provision to assets | 0.0854% | 1,440 |
| Net operating income to assets | 0.9559% | 2,846 |
| Return on assets (ROA) | 0.9559% | 2,918 |
| Pretax return on assets | 1.1844% | 2,718 |
| Return on Equity (ROE) | 8.5783% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.7508% | 2,021 |
| Net charge-offs to loans | 0.0007% | 2,674 |
| Credit loss provision to net charge-offs | 20,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 2,974.0000% | 41 |
| Efficiency ratio | 59.9731% | 3,154 |
| Assets per employee ($millions) | 6.9915% | 1,932 |
| Cash dividends to net income (ytd only)* | 21.3042% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,848 |
| Loan loss allowance to noncurrent loans | 1,419.5122% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,576 |
| Noncurrent loans to loans | 0.0851% | 3,508 |
| Net loans and leases to total assets | 60.0505% | 2,158 |
| Net loans and leases to deposits | 79.1687% | 1,285 |
| Net loans and leases to core deposits | 82.1125% | 1,452 |
| Total domestic deposits to total assets | 75.8512% | 4,518 |
| Equity capital to assets | 11.3163% | 1,594 |
| Core capital (leverage) ratio | 11.4093% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,220,000 | 2,824 |
| Average earning assets | $227,485,800 | 2,760 |
| Average equity | $26,100,600 | 2,777 |
| Average total loans | $147,283,800 | 2,653 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 2,449 |
| Cost of funding earning assets | 0.6765% | 437 |
| Net interest margin | 2.9646% | 3,404 |
| Noninterest income to average assets | 0.3063% | 3,597 |
| Noninterest expense to average assets | 1.9364% | 3,846 |
| Loan and lease loss provision to assets | 0.1029% | 1,175 |
| Net operating income to assets | 0.9308% | 3,147 |
| Return on assets (ROA) | 0.9308% | 3,225 |
| Pretax return on assets | 1.1468% | 3,086 |
| Return on Equity (ROE) | 8.3856% | 3,288 |
| Retained earnings to average equity (ytd only) | 5.9302% | 2,854 |
| Net charge-offs to loans | 0.0027% | 2,261 |
| Credit loss provision to net charge-offs | 6,000.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 729.0000% | 220 |
| Efficiency ratio | 60.7783% | 2,864 |
| Assets per employee ($millions) | 6.9843% | 1,882 |
| Cash dividends to net income (ytd only)* | 29.2818% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 3,043 |
| Loan loss allowance to noncurrent loans | 1,368.2540% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,687 |
| Noncurrent loans to loans | 0.0869% | 3,649 |
| Net loans and leases to total assets | 60.3400% | 2,211 |
| Net loans and leases to deposits | 80.9938% | 1,188 |
| Net loans and leases to core deposits | 84.0127% | 1,430 |
| Total domestic deposits to total assets | 74.4995% | 4,617 |
| Equity capital to assets | 11.1713% | 1,908 |
| Core capital (leverage) ratio | 11.1410% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0856% | 1,941 |
| Memoranda: | ||
| Average total assets | $233,347,500 | 2,855 |
| Average earning assets | $226,665,500 | 2,789 |
| Average equity | $25,900,750 | 2,821 |
| Average total loans | $147,981,750 | 2,691 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 2,371 |
| Cost of funding earning assets | 0.6958% | 477 |
| Net interest margin | 2.9919% | 3,344 |
| Noninterest income to average assets | 0.3104% | 3,572 |
| Noninterest expense to average assets | 1.9425% | 3,859 |
| Loan and lease loss provision to assets | 0.1035% | 1,221 |
| Net operating income to assets | 0.9518% | 3,059 |
| Return on assets (ROA) | 0.9518% | 3,146 |
| Pretax return on assets | 1.1708% | 2,993 |
| Return on Equity (ROE) | 8.5942% | 3,229 |
| Retained earnings to average equity (ytd only) | 4.8810% | 3,227 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3860% | 2,962 |
| Assets per employee ($millions) | 6.9846% | 1,823 |
| Cash dividends to net income (ytd only)* | 43.2065% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,286 |
| Loan loss allowance to noncurrent loans | 1,312.5984% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,782 |
| Noncurrent loans to loans | 0.0861% | 3,756 |
| Net loans and leases to total assets | 61.3819% | 2,253 |
| Net loans and leases to deposits | 86.1396% | 905 |
| Net loans and leases to core deposits | 89.4996% | 1,173 |
| Total domestic deposits to total assets | 71.2587% | 4,728 |
| Equity capital to assets | 10.9695% | 2,003 |
| Core capital (leverage) ratio | 10.9981% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2272% | 2,279 |
| Memoranda: | ||
| Average total assets | $231,974,667 | 2,869 |
| Average earning assets | $225,345,000 | 2,793 |
| Average equity | $25,691,667 | 2,832 |
| Average total loans | $148,972,000 | 2,694 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 2,307 |
| Cost of funding earning assets | 0.7285% | 493 |
| Net interest margin | 2.9931% | 3,277 |
| Noninterest income to average assets | 0.3211% | 3,484 |
| Noninterest expense to average assets | 1.9631% | 3,827 |
| Loan and lease loss provision to assets | 0.1047% | 1,304 |
| Net operating income to assets | 0.9441% | 2,992 |
| Return on assets (ROA) | 0.9441% | 3,079 |
| Pretax return on assets | 1.1569% | 2,963 |
| Return on Equity (ROE) | 8.4821% | 3,192 |
| Retained earnings to average equity (ytd only) | 1.0034% | 4,215 |
| Net charge-offs to loans | 0.0695% | 859 |
| Credit loss provision to net charge-offs | 230.7692% | 842 |
| Earnings coverage of net charge-offs (x) | 27.8077% | 1,126 |
| Efficiency ratio | 60.8766% | 2,923 |
| Assets per employee ($millions) | 6.8651% | 1,881 |
| Cash dividends to net income (ytd only)* | 88.1701% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,670 |
| Loan loss allowance to noncurrent loans | 1,007.0064% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,797 |
| Noncurrent loans to loans | 0.1039% | 3,788 |
| Net loans and leases to total assets | 64.0803% | 2,030 |
| Net loans and leases to deposits | 90.4452% | 680 |
| Net loans and leases to core deposits | 94.0550% | 979 |
| Total domestic deposits to total assets | 70.8498% | 4,751 |
| Equity capital to assets | 10.9270% | 1,919 |
| Core capital (leverage) ratio | 11.2693% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7536% | 2,394 |
| Memoranda: | ||
| Average total assets | $229,223,500 | 2,872 |
| Average earning assets | $222,377,000 | 2,797 |
| Average equity | $25,512,500 | 2,838 |
| Average total loans | $149,740,500 | 2,692 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,197 |
| Cost of funding earning assets | 0.9779% | 648 |
| Net interest margin | 3.2021% | 3,359 |
| Noninterest income to average assets | 0.3416% | 3,419 |
| Noninterest expense to average assets | 2.1128% | 3,909 |
| Loan and lease loss provision to assets | 0.1471% | 2,536 |
| Net operating income to assets | 0.9962% | 2,304 |
| Return on assets (ROA) | 0.9962% | 2,446 |
| Pretax return on assets | 1.1719% | 2,436 |
| Return on Equity (ROE) | 8.7050% | 2,515 |
| Retained earnings to average equity (ytd only) | 6.7519% | 1,487 |
| Net charge-offs to loans | -0.0014% | 3,961 |
| Credit loss provision to net charge-offs | -15,700.0000% | 4,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5647% | 3,213 |
| Assets per employee ($millions) | 6.6187% | 1,835 |
| Cash dividends to net income (ytd only)* | 22.4365% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,708 |
| Loan loss allowance to noncurrent loans | 1,011.1111% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,939 |
| Noncurrent loans to loans | 0.1031% | 3,881 |
| Net loans and leases to total assets | 65.2263% | 2,200 |
| Net loans and leases to deposits | 91.1203% | 845 |
| Net loans and leases to core deposits | 94.8541% | 1,191 |
| Total domestic deposits to total assets | 71.5826% | 4,731 |
| Equity capital to assets | 11.3405% | 1,994 |
| Core capital (leverage) ratio | 11.4629% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1554% | 2,566 |
| Memoranda: | ||
| Average total assets | $213,415,400 | 2,840 |
| Average earning assets | $205,956,000 | 2,779 |
| Average equity | $24,422,800 | 2,848 |
| Average total loans | $142,298,000 | 2,723 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2416% | 2,273 |
| Cost of funding earning assets | 1.0269% | 697 |
| Net interest margin | 3.2147% | 3,448 |
| Noninterest income to average assets | 0.2616% | 3,907 |
| Noninterest expense to average assets | 2.0939% | 3,963 |
| Loan and lease loss provision to assets | 0.1254% | 2,769 |
| Net operating income to assets | 0.9823% | 2,401 |
| Return on assets (ROA) | 0.9823% | 2,538 |
| Pretax return on assets | 1.1413% | 2,592 |
| Return on Equity (ROE) | 8.5635% | 2,578 |
| Retained earnings to average equity (ytd only) | 5.9298% | 2,129 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3068% | 3,022 |
| Assets per employee ($millions) | 6.3944% | 1,921 |
| Cash dividends to net income (ytd only)* | 30.7544% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,838 |
| Loan loss allowance to noncurrent loans | 959.0604% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 3,050 |
| Noncurrent loans to loans | 0.1005% | 3,970 |
| Net loans and leases to total assets | 67.5654% | 2,302 |
| Net loans and leases to deposits | 93.1732% | 995 |
| Net loans and leases to core deposits | 97.0135% | 1,379 |
| Total domestic deposits to total assets | 72.5160% | 4,668 |
| Equity capital to assets | 11.4719% | 2,028 |
| Core capital (leverage) ratio | 11.4250% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0350% | 2,185 |
| Memoranda: | ||
| Average total assets | $210,510,500 | 2,845 |
| Average earning assets | $202,936,000 | 2,784 |
| Average equity | $24,148,500 | 2,859 |
| Average total loans | $140,790,250 | 2,749 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,375 |
| Cost of funding earning assets | 1.0850% | 742 |
| Net interest margin | 3.2511% | 3,519 |
| Noninterest income to average assets | 0.2709% | 3,858 |
| Noninterest expense to average assets | 2.1171% | 3,993 |
| Loan and lease loss provision to assets | 0.1268% | 2,757 |
| Net operating income to assets | 0.9990% | 2,335 |
| Return on assets (ROA) | 0.9990% | 2,456 |
| Pretax return on assets | 1.1584% | 2,506 |
| Return on Equity (ROE) | 8.7086% | 2,487 |
| Retained earnings to average equity (ytd only) | 4.7144% | 2,601 |
| Net charge-offs to loans | 0.0014% | 2,973 |
| Credit loss provision to net charge-offs | 13,200.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 1,338.0000% | 62 |
| Efficiency ratio | 62.2247% | 3,086 |
| Assets per employee ($millions) | 6.2888% | 1,959 |
| Cash dividends to net income (ytd only)* | 45.8654% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 3,650 |
| Loan loss allowance to noncurrent loans | 914.0940% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,053 |
| Noncurrent loans to loans | 0.1077% | 4,025 |
| Net loans and leases to total assets | 64.0916% | 2,868 |
| Net loans and leases to deposits | 88.0822% | 1,550 |
| Net loans and leases to core deposits | 91.9732% | 1,906 |
| Total domestic deposits to total assets | 72.7634% | 4,667 |
| Equity capital to assets | 11.4111% | 2,028 |
| Core capital (leverage) ratio | 11.5349% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5937% | 1,961 |
| Memoranda: | ||
| Average total assets | $208,210,667 | 2,839 |
| Average earning assets | $200,549,667 | 2,776 |
| Average equity | $23,884,333 | 2,862 |
| Average total loans | $138,279,333 | 2,763 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 2,412 |
| Cost of funding earning assets | 1.1611% | 875 |
| Net interest margin | 3.3031% | 3,587 |
| Noninterest income to average assets | 0.3116% | 3,648 |
| Noninterest expense to average assets | 2.1869% | 4,038 |
| Loan and lease loss provision to assets | 0.1285% | 2,108 |
| Net operating income to assets | 1.0165% | 2,127 |
| Return on assets (ROA) | 1.0165% | 2,228 |
| Pretax return on assets | 1.1762% | 2,282 |
| Return on Equity (ROE) | 8.8373% | 2,176 |
| Retained earnings to average equity (ytd only) | 0.7618% | 3,802 |
| Net charge-offs to loans | 0.0116% | 2,170 |
| Credit loss provision to net charge-offs | 1,650.0000% | 395 |
| Earnings coverage of net charge-offs (x) | 167.5000% | 391 |
| Efficiency ratio | 62.6325% | 3,420 |
| Assets per employee ($millions) | 6.0503% | 1,636 |
| Cash dividends to net income (ytd only)* | 91.3793% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 3,969 |
| Loan loss allowance to noncurrent loans | 579.8206% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 2,702 |
| Noncurrent loans to loans | 0.1622% | 3,880 |
| Net loans and leases to total assets | 66.1974% | 2,795 |
| Net loans and leases to deposits | 92.1321% | 1,267 |
| Net loans and leases to core deposits | 96.5581% | 1,746 |
| Total domestic deposits to total assets | 71.8505% | 4,781 |
| Equity capital to assets | 11.4643% | 2,470 |
| Core capital (leverage) ratio | 11.5418% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8280% | 1,965 |
| Memoranda: | ||
| Average total assets | $205,406,500 | 2,830 |
| Average earning assets | $197,751,500 | 2,761 |
| Average equity | $23,627,000 | 2,877 |
| Average total loans | $138,218,000 | 2,739 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 3,185 |
| Cost of funding earning assets | 1.1465% | 1,168 |
| Net interest margin | 3.2750% | 4,036 |
| Noninterest income to average assets | 0.3425% | 3,657 |
| Noninterest expense to average assets | 2.1901% | 4,177 |
| Loan and lease loss provision to assets | 0.1368% | 1,560 |
| Net operating income to assets | 1.0406% | 2,694 |
| Return on assets (ROA) | 1.0348% | 2,807 |
| Pretax return on assets | 1.1563% | 2,992 |
| Return on Equity (ROE) | 9.2563% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.1417% | 1,332 |
| Net charge-offs to loans | 0.1247% | 1,518 |
| Credit loss provision to net charge-offs | 172.5000% | 1,504 |
| Earnings coverage of net charge-offs (x) | 16.3875% | 2,175 |
| Efficiency ratio | 62.7610% | 3,253 |
| Assets per employee ($millions) | 6.0325% | 1,608 |
| Cash dividends to net income (ytd only)* | 22.8448% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 4,027 |
| Loan loss allowance to noncurrent loans | 597.5728% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 2,640 |
| Noncurrent loans to loans | 0.1482% | 3,932 |
| Net loans and leases to total assets | 67.1552% | 2,806 |
| Net loans and leases to deposits | 95.7678% | 965 |
| Net loans and leases to core deposits | 98.8751% | 1,663 |
| Total domestic deposits to total assets | 70.1230% | 4,931 |
| Equity capital to assets | 11.5410% | 2,499 |
| Core capital (leverage) ratio | 11.4953% | 2,115 |
| Tier 1 risk-based capital ratio | 13.6359% | 3,441 |
| Total risk-based capital ratio | 14.3504% | 3,627 |
| Memoranda: | ||
| Average total assets | $201,772,600 | 2,826 |
| Average earning assets | $193,890,400 | 2,761 |
| Average equity | $22,557,600 | 2,911 |
| Average total loans | $128,324,000 | 2,841 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 3,382 |
| Cost of funding earning assets | 1.1305% | 1,240 |
| Net interest margin | 3.2616% | 4,164 |
| Noninterest income to average assets | 0.3251% | 3,800 |
| Noninterest expense to average assets | 2.2049% | 4,170 |
| Loan and lease loss provision to assets | 0.1075% | 1,804 |
| Net operating income to assets | 1.0235% | 2,894 |
| Return on assets (ROA) | 1.0159% | 3,000 |
| Pretax return on assets | 1.1360% | 3,183 |
| Return on Equity (ROE) | 9.1622% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.3077% | 2,219 |
| Net charge-offs to loans | 0.0064% | 3,155 |
| Credit loss provision to net charge-offs | 2,700.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 314.4925% | 304 |
| Efficiency ratio | 63.7812% | 3,045 |
| Assets per employee ($millions) | 6.2297% | 1,444 |
| Cash dividends to net income (ytd only)* | 31.1559% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 3,916 |
| Loan loss allowance to noncurrent loans | 1,765.2778% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 2,945 |
| Noncurrent loans to loans | 0.0528% | 4,408 |
| Net loans and leases to total assets | 65.7073% | 3,085 |
| Net loans and leases to deposits | 93.6593% | 1,253 |
| Net loans and leases to core deposits | 96.9121% | 1,914 |
| Total domestic deposits to total assets | 70.1557% | 4,989 |
| Equity capital to assets | 11.2404% | 2,881 |
| Core capital (leverage) ratio | 11.4305% | 2,283 |
| Tier 1 risk-based capital ratio | 13.5065% | 3,568 |
| Total risk-based capital ratio | 14.2550% | 3,746 |
| Memoranda: | ||
| Average total assets | $200,939,750 | 2,851 |
| Average earning assets | $192,944,750 | 2,790 |
| Average equity | $22,279,250 | 2,957 |
| Average total loans | $125,662,750 | 2,902 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 3,594 |
| Cost of funding earning assets | 1.1085% | 1,264 |
| Net interest margin | 3.2071% | 4,354 |
| Noninterest income to average assets | 0.3079% | 3,871 |
| Noninterest expense to average assets | 2.2248% | 4,182 |
| Loan and lease loss provision to assets | 0.1083% | 1,730 |
| Net operating income to assets | 0.9619% | 3,050 |
| Return on assets (ROA) | 0.9499% | 3,160 |
| Pretax return on assets | 1.0351% | 3,435 |
| Return on Equity (ROE) | 8.6079% | 3,022 |
| Retained earnings to average equity (ytd only) | 4.2721% | 3,116 |
| Net charge-offs to loans | -0.0098% | 4,320 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7965% | 2,837 |
| Assets per employee ($millions) | 6.1455% | 1,441 |
| Cash dividends to net income (ytd only)* | 50.3696% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,819 |
| Loan loss allowance to noncurrent loans | 434.2756% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 2,509 |
| Noncurrent loans to loans | 0.2217% | 3,743 |
| Net loans and leases to total assets | 62.3503% | 3,504 |
| Net loans and leases to deposits | 86.7430% | 2,164 |
| Net loans and leases to core deposits | 89.7188% | 2,619 |
| Total domestic deposits to total assets | 71.8793% | 4,982 |
| Equity capital to assets | 11.0877% | 2,957 |
| Core capital (leverage) ratio | 11.1591% | 2,447 |
| Tier 1 risk-based capital ratio | 13.6944% | 3,487 |
| Total risk-based capital ratio | 14.4475% | 3,643 |
| Memoranda: | ||
| Average total assets | $199,393,000 | 2,877 |
| Average earning assets | $191,077,330 | 2,814 |
| Average equity | $22,003,000 | 2,972 |
| Average total loans | $122,099,670 | 2,957 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 3,803 |
| Cost of funding earning assets | 1.0607% | 1,336 |
| Net interest margin | 3.1609% | 4,479 |
| Noninterest income to average assets | 0.3015% | 3,869 |
| Noninterest expense to average assets | 2.2460% | 4,158 |
| Loan and lease loss provision to assets | 0.1093% | 1,631 |
| Net operating income to assets | 0.9401% | 3,089 |
| Return on assets (ROA) | 0.9146% | 3,220 |
| Pretax return on assets | 0.9409% | 3,639 |
| Return on Equity (ROE) | 8.3083% | 3,112 |
| Retained earnings to average equity (ytd only) | -0.4595% | 4,593 |
| Net charge-offs to loans | 0.1643% | 827 |
| Credit loss provision to net charge-offs | 110.2041% | 1,495 |
| Earnings coverage of net charge-offs (x) | 10.8571% | 1,941 |
| Efficiency ratio | 67.6005% | 2,699 |
| Assets per employee ($millions) | 6.0762% | 1,489 |
| Cash dividends to net income (ytd only)* | 105.5310% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 4,079 |
| Loan loss allowance to noncurrent loans | 506.7873% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 2,210 |
| Noncurrent loans to loans | 0.1814% | 3,943 |
| Net loans and leases to total assets | 60.1926% | 3,690 |
| Net loans and leases to deposits | 82.6128% | 2,549 |
| Net loans and leases to core deposits | 85.2557% | 2,936 |
| Total domestic deposits to total assets | 72.8611% | 5,007 |
| Equity capital to assets | 10.8956% | 2,955 |
| Core capital (leverage) ratio | 11.1553% | 2,422 |
| Tier 1 risk-based capital ratio | 13.6905% | 3,500 |
| Total risk-based capital ratio | 14.3921% | 3,714 |
| Memoranda: | ||
| Average total assets | $197,689,000 | 2,923 |
| Average earning assets | $188,932,500 | 2,864 |
| Average equity | $21,761,500 | 2,999 |
| Average total loans | $119,311,500 | 3,027 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 3,647 |
| Cost of funding earning assets | 0.9153% | 1,039 |
| Net interest margin | 3.2157% | 4,454 |
| Noninterest income to average assets | 0.3240% | 3,930 |
| Noninterest expense to average assets | 2.1707% | 4,405 |
| Loan and lease loss provision to assets | 0.0933% | 2,285 |
| Net operating income to assets | 0.9850% | 3,079 |
| Return on assets (ROA) | 0.9850% | 3,077 |
| Pretax return on assets | 1.1090% | 3,232 |
| Return on Equity (ROE) | 9.1610% | 2,912 |
| Retained earnings to average equity (ytd only) | 6.8611% | 1,730 |
| Net charge-offs to loans | 0.0071% | 3,431 |
| Credit loss provision to net charge-offs | 2,250.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 289.8750% | 337 |
| Efficiency ratio | 64.3560% | 3,136 |
| Assets per employee ($millions) | 5.7313% | 1,735 |
| Cash dividends to net income (ytd only)* | 25.1053% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,937 |
| Loan loss allowance to noncurrent loans | 802.1583% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 2,327 |
| Noncurrent loans to loans | 0.1190% | 4,194 |
| Net loans and leases to total assets | 59.3714% | 3,832 |
| Net loans and leases to deposits | 80.5741% | 2,893 |
| Net loans and leases to core deposits | 82.8961% | 3,190 |
| Total domestic deposits to total assets | 73.6854% | 4,965 |
| Equity capital to assets | 11.1236% | 2,579 |
| Core capital (leverage) ratio | 11.2835% | 2,277 |
| Tier 1 risk-based capital ratio | 14.0124% | 3,284 |
| Total risk-based capital ratio | 14.7265% | 3,466 |
| Memoranda: | ||
| Average total assets | $192,884,200 | 2,936 |
| Average earning assets | $182,881,200 | 2,889 |
| Average equity | $20,740,000 | 3,015 |
| Average total loans | $112,089,600 | 3,104 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,716 |
| Cost of funding earning assets | 0.8860% | 977 |
| Net interest margin | 3.1901% | 4,532 |
| Noninterest income to average assets | 0.3396% | 3,879 |
| Noninterest expense to average assets | 2.2156% | 4,284 |
| Loan and lease loss provision to assets | 0.0936% | 2,105 |
| Net operating income to assets | 0.9446% | 3,325 |
| Return on assets (ROA) | 0.9446% | 3,333 |
| Pretax return on assets | 1.0548% | 3,557 |
| Return on Equity (ROE) | 8.8622% | 3,146 |
| Retained earnings to average equity (ytd only) | 5.7608% | 2,784 |
| Net charge-offs to loans | 0.0048% | 3,270 |
| Credit loss provision to net charge-offs | 3,375.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 414.4991% | 229 |
| Efficiency ratio | 65.8632% | 2,895 |
| Assets per employee ($millions) | 5.4104% | 2,008 |
| Cash dividends to net income (ytd only)* | 34.9961% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,147 |
| Loan loss allowance to noncurrent loans | 730.6122% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 2,298 |
| Noncurrent loans to loans | 0.1269% | 4,314 |
| Net loans and leases to total assets | 58.9039% | 3,956 |
| Net loans and leases to deposits | 79.6797% | 3,073 |
| Net loans and leases to core deposits | 81.8232% | 3,337 |
| Total domestic deposits to total assets | 73.9258% | 4,982 |
| Equity capital to assets | 10.7565% | 2,891 |
| Core capital (leverage) ratio | 10.9856% | 2,590 |
| Tier 1 risk-based capital ratio | 13.9236% | 3,408 |
| Total risk-based capital ratio | 14.6242% | 3,621 |
| Memoranda: | ||
| Average total assets | $192,389,000 | 2,968 |
| Average earning assets | $182,393,750 | 2,917 |
| Average equity | $20,506,000 | 3,064 |
| Average total loans | $110,909,750 | 3,146 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 3,687 |
| Cost of funding earning assets | 0.8618% | 866 |
| Net interest margin | 3.1685% | 4,579 |
| Noninterest income to average assets | 0.3591% | 3,750 |
| Noninterest expense to average assets | 2.2120% | 4,343 |
| Loan and lease loss provision to assets | 0.0939% | 2,044 |
| Net operating income to assets | 0.9468% | 3,251 |
| Return on assets (ROA) | 0.9468% | 3,259 |
| Pretax return on assets | 1.0543% | 3,496 |
| Return on Equity (ROE) | 8.9106% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.2245% | 3,491 |
| Net charge-offs to loans | -0.0586% | 4,972 |
| Credit loss provision to net charge-offs | -281.2500% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8279% | 3,015 |
| Assets per employee ($millions) | 5.5991% | 1,801 |
| Cash dividends to net income (ytd only)* | 52.5910% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 3,935 |
| Loan loss allowance to noncurrent loans | 449.3671% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 2,075 |
| Noncurrent loans to loans | 0.2190% | 3,936 |
| Net loans and leases to total assets | 54.6906% | 4,275 |
| Net loans and leases to deposits | 72.7475% | 3,652 |
| Net loans and leases to core deposits | 74.7814% | 3,826 |
| Total domestic deposits to total assets | 75.1786% | 4,939 |
| Equity capital to assets | 10.5119% | 3,101 |
| Core capital (leverage) ratio | 10.7748% | 2,732 |
| Tier 1 risk-based capital ratio | 14.5191% | 3,106 |
| Total risk-based capital ratio | 15.2593% | 3,275 |
| Memoranda: | ||
| Average total assets | $191,593,670 | 2,993 |
| Average earning assets | $181,471,330 | 2,948 |
| Average equity | $20,357,670 | 3,096 |
| Average total loans | $109,278,330 | 3,182 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,475 |
| Cost of funding earning assets | 0.8347% | 819 |
| Net interest margin | 3.2031% | 4,444 |
| Noninterest income to average assets | 0.3696% | 3,662 |
| Noninterest expense to average assets | 2.2280% | 4,350 |
| Loan and lease loss provision to assets | 0.0950% | 1,925 |
| Net operating income to assets | 0.9736% | 2,971 |
| Return on assets (ROA) | 0.9736% | 3,001 |
| Pretax return on assets | 1.0855% | 3,225 |
| Return on Equity (ROE) | 9.1122% | 2,857 |
| Retained earnings to average equity (ytd only) | -0.3163% | 4,836 |
| Net charge-offs to loans | -0.1166% | 5,258 |
| Credit loss provision to net charge-offs | -140.6250% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3656% | 3,268 |
| Assets per employee ($millions) | 5.2764% | 2,160 |
| Cash dividends to net income (ytd only)* | 103.4707% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 4,323 |
| Loan loss allowance to noncurrent loans | 445.4148% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 1,951 |
| Noncurrent loans to loans | 0.2081% | 4,039 |
| Net loans and leases to total assets | 57.3991% | 4,003 |
| Net loans and leases to deposits | 77.2680% | 3,086 |
| Net loans and leases to core deposits | 79.7205% | 3,346 |
| Total domestic deposits to total assets | 74.2857% | 5,124 |
| Equity capital to assets | 10.6023% | 2,968 |
| Core capital (leverage) ratio | 10.7563% | 2,682 |
| Tier 1 risk-based capital ratio | 14.0030% | 3,380 |
| Total risk-based capital ratio | 14.7017% | 3,606 |
| Memoranda: | ||
| Average total assets | $189,406,500 | 3,042 |
| Average earning assets | $179,699,000 | 2,996 |
| Average equity | $20,236,500 | 3,139 |
| Average total loans | $109,797,000 | 3,194 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 3,773 |
| Cost of funding earning assets | 0.7471% | 834 |
| Net interest margin | 3.1388% | 4,604 |
| Noninterest income to average assets | 0.3445% | 4,001 |
| Noninterest expense to average assets | 2.2838% | 4,379 |
| Loan and lease loss provision to assets | 0.0643% | 2,933 |
| Net operating income to assets | 0.7633% | 3,330 |
| Return on assets (ROA) | 0.7625% | 3,373 |
| Pretax return on assets | 0.9602% | 3,700 |
| Return on Equity (ROE) | 7.2054% | 3,173 |
| Retained earnings to average equity (ytd only) | 3.0685% | 3,463 |
| Net charge-offs to loans | 0.2715% | 959 |
| Credit loss provision to net charge-offs | 44.1176% | 3,399 |
| Earnings coverage of net charge-offs (x) | 7.0368% | 3,100 |
| Efficiency ratio | 69.0091% | 2,698 |
| Assets per employee ($millions) | 5.2462% | 2,205 |
| Cash dividends to net income (ytd only)* | 57.4139% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 4,629 |
| Loan loss allowance to noncurrent loans | 453.3654% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 1,897 |
| Noncurrent loans to loans | 0.1899% | 4,156 |
| Net loans and leases to total assets | 57.5028% | 4,059 |
| Net loans and leases to deposits | 77.5380% | 3,169 |
| Net loans and leases to core deposits | 80.0186% | 3,419 |
| Total domestic deposits to total assets | 74.1608% | 5,169 |
| Equity capital to assets | 10.7665% | 2,878 |
| Core capital (leverage) ratio | 10.9230% | 2,406 |
| Tier 1 risk-based capital ratio | 14.1167% | 3,298 |
| Total risk-based capital ratio | 14.7674% | 3,527 |
| Memoranda: | ||
| Average total assets | $186,622,600 | 3,055 |
| Average earning assets | $176,277,000 | 2,998 |
| Average equity | $19,749,000 | 3,171 |
| Average total loans | $100,171,200 | 3,347 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 3,831 |
| Cost of funding earning assets | 0.7339% | 829 |
| Net interest margin | 3.1164% | 4,671 |
| Noninterest income to average assets | 0.3389% | 4,114 |
| Noninterest expense to average assets | 2.2995% | 4,299 |
| Loan and lease loss provision to assets | 0.0602% | 2,880 |
| Net operating income to assets | 0.8047% | 3,506 |
| Return on assets (ROA) | 0.8047% | 3,550 |
| Pretax return on assets | 0.9187% | 3,972 |
| Return on Equity (ROE) | 7.6382% | 3,326 |
| Retained earnings to average equity (ytd only) | 2.0813% | 4,608 |
| Net charge-offs to loans | 0.3939% | 541 |
| Credit loss provision to net charge-offs | 29.0657% | 3,089 |
| Earnings coverage of net charge-offs (x) | 4.7267% | 3,187 |
| Efficiency ratio | 70.1421% | 2,515 |
| Assets per employee ($millions) | 5.0678% | 2,367 |
| Cash dividends to net income (ytd only)* | 72.7516% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,720 |
| Loan loss allowance to noncurrent loans | 601.3514% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 1,938 |
| Noncurrent loans to loans | 0.1431% | 4,484 |
| Net loans and leases to total assets | 54.6963% | 4,353 |
| Net loans and leases to deposits | 73.9312% | 3,579 |
| Net loans and leases to core deposits | 76.6823% | 3,754 |
| Total domestic deposits to total assets | 73.9827% | 5,239 |
| Equity capital to assets | 10.6496% | 3,215 |
| Core capital (leverage) ratio | 11.0791% | 2,389 |
| Tier 1 risk-based capital ratio | 14.6785% | 3,081 |
| Total risk-based capital ratio | 15.3192% | 3,323 |
| Memoranda: | ||
| Average total assets | $186,062,250 | 3,083 |
| Average earning assets | $175,497,000 | 3,034 |
| Average equity | $19,602,750 | 3,211 |
| Average total loans | $97,827,750 | 3,415 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 3,789 |
| Cost of funding earning assets | 0.7259% | 779 |
| Net interest margin | 3.1038% | 4,674 |
| Noninterest income to average assets | 0.3309% | 4,175 |
| Noninterest expense to average assets | 2.3041% | 4,334 |
| Loan and lease loss provision to assets | 0.0905% | 2,170 |
| Net operating income to assets | 0.7652% | 3,569 |
| Return on assets (ROA) | 0.7652% | 3,615 |
| Pretax return on assets | 0.8579% | 4,077 |
| Return on Equity (ROE) | 7.2893% | 3,404 |
| Retained earnings to average equity (ytd only) | 2.3100% | 4,294 |
| Net charge-offs to loans | 0.2897% | 702 |
| Credit loss provision to net charge-offs | 60.4317% | 2,463 |
| Earnings coverage of net charge-offs (x) | 6.3309% | 2,722 |
| Efficiency ratio | 70.8416% | 2,532 |
| Assets per employee ($millions) | 5.1986% | 2,158 |
| Cash dividends to net income (ytd only)* | 68.3099% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,667 |
| Loan loss allowance to noncurrent loans | 225.1082% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 1,762 |
| Noncurrent loans to loans | 0.4821% | 3,304 |
| Net loans and leases to total assets | 50.6506% | 4,663 |
| Net loans and leases to deposits | 67.7182% | 4,094 |
| Net loans and leases to core deposits | 70.0270% | 4,224 |
| Total domestic deposits to total assets | 74.7960% | 5,222 |
| Equity capital to assets | 10.6370% | 3,186 |
| Core capital (leverage) ratio | 10.9673% | 2,444 |
| Tier 1 risk-based capital ratio | 15.2666% | 2,820 |
| Total risk-based capital ratio | 16.0484% | 2,943 |
| Memoranda: | ||
| Average total assets | $185,579,670 | 3,100 |
| Average earning assets | $174,689,000 | 3,054 |
| Average equity | $19,480,670 | 3,219 |
| Average total loans | $95,953,330 | 3,455 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 3,736 |
| Cost of funding earning assets | 0.7248% | 745 |
| Net interest margin | 3.0856% | 4,697 |
| Noninterest income to average assets | 0.3420% | 4,107 |
| Noninterest expense to average assets | 2.3118% | 4,374 |
| Loan and lease loss provision to assets | 0.1169% | 1,639 |
| Net operating income to assets | 0.7381% | 3,526 |
| Return on assets (ROA) | 0.7381% | 3,577 |
| Pretax return on assets | 0.8160% | 4,053 |
| Return on Equity (ROE) | 7.0793% | 3,371 |
| Retained earnings to average equity (ytd only) | -2.9895% | 5,262 |
| Net charge-offs to loans | 0.1042% | 1,331 |
| Credit loss provision to net charge-offs | 216.0000% | 964 |
| Earnings coverage of net charge-offs (x) | 17.2400% | 1,606 |
| Efficiency ratio | 71.2475% | 2,693 |
| Assets per employee ($millions) | 5.3851% | 1,996 |
| Cash dividends to net income (ytd only)* | 142.2287% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,393 |
| Loan loss allowance to noncurrent loans | 196.8476% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 1,292 |
| Noncurrent loans to loans | 0.5862% | 3,050 |
| Net loans and leases to total assets | 51.0837% | 4,589 |
| Net loans and leases to deposits | 69.0117% | 3,894 |
| Net loans and leases to core deposits | 71.2248% | 4,054 |
| Total domestic deposits to total assets | 74.0218% | 5,414 |
| Equity capital to assets | 10.2543% | 3,465 |
| Core capital (leverage) ratio | 10.8816% | 2,504 |
| Tier 1 risk-based capital ratio | 14.6475% | 3,142 |
| Total risk-based capital ratio | 15.4732% | 3,267 |
| Memoranda: | ||
| Average total assets | $184,795,000 | 3,138 |
| Average earning assets | $173,842,500 | 3,086 |
| Average equity | $19,267,500 | 3,260 |
| Average total loans | $96,014,000 | 3,481 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 3,884 |
| Cost of funding earning assets | 0.6955% | 827 |
| Net interest margin | 3.1120% | 4,701 |
| Noninterest income to average assets | 0.3469% | 4,251 |
| Noninterest expense to average assets | 2.3139% | 4,528 |
| Loan and lease loss provision to assets | 0.1541% | 1,624 |
| Net operating income to assets | 0.7224% | 3,680 |
| Return on assets (ROA) | 0.7532% | 3,642 |
| Pretax return on assets | 0.8395% | 4,049 |
| Return on Equity (ROE) | 7.0633% | 3,434 |
| Retained earnings to average equity (ytd only) | 4.5144% | 2,689 |
| Net charge-offs to loans | 0.3923% | 678 |
| Credit loss provision to net charge-offs | 79.0230% | 2,986 |
| Earnings coverage of net charge-offs (x) | 4.9195% | 3,421 |
| Efficiency ratio | 70.6900% | 2,796 |
| Assets per employee ($millions) | 5.1747% | 2,209 |
| Cash dividends to net income (ytd only)* | 36.0863% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,386 |
| Loan loss allowance to noncurrent loans | 195.8855% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2788% | 1,389 |
| Noncurrent loans to loans | 0.5908% | 3,078 |
| Net loans and leases to total assets | 51.6407% | 4,642 |
| Net loans and leases to deposits | 68.2223% | 4,069 |
| Net loans and leases to core deposits | 70.4500% | 4,204 |
| Total domestic deposits to total assets | 75.6947% | 5,272 |
| Equity capital to assets | 10.6055% | 3,034 |
| Core capital (leverage) ratio | 11.1980% | 2,170 |
| Tier 1 risk-based capital ratio | 15.2101% | 2,881 |
| Total risk-based capital ratio | 16.0394% | 3,002 |
| Memoranda: | ||
| Average total assets | $178,445,800 | 3,183 |
| Average earning assets | $167,804,400 | 3,141 |
| Average equity | $19,027,800 | 3,267 |
| Average total loans | $88,701,400 | 3,602 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 3,871 |
| Cost of funding earning assets | 0.6901% | 857 |
| Net interest margin | 3.1306% | 4,698 |
| Noninterest income to average assets | 0.3517% | 4,271 |
| Noninterest expense to average assets | 2.3437% | 4,424 |
| Loan and lease loss provision to assets | 0.1687% | 1,351 |
| Net operating income to assets | 0.7021% | 3,840 |
| Return on assets (ROA) | 0.7432% | 3,763 |
| Pretax return on assets | 0.8280% | 4,221 |
| Return on Equity (ROE) | 6.9605% | 3,578 |
| Retained earnings to average equity (ytd only) | 3.5540% | 3,765 |
| Net charge-offs to loans | 0.4953% | 429 |
| Credit loss provision to net charge-offs | 69.4444% | 2,800 |
| Earnings coverage of net charge-offs (x) | 3.9136% | 3,339 |
| Efficiency ratio | 71.1359% | 2,714 |
| Assets per employee ($millions) | 5.0186% | 2,353 |
| Cash dividends to net income (ytd only)* | 48.9404% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,417 |
| Loan loss allowance to noncurrent loans | 184.6287% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.3090% | 1,462 |
| Noncurrent loans to loans | 0.6343% | 3,111 |
| Net loans and leases to total assets | 49.9286% | 4,824 |
| Net loans and leases to deposits | 67.5169% | 4,202 |
| Net loans and leases to core deposits | 69.5970% | 4,355 |
| Total domestic deposits to total assets | 73.9497% | 5,437 |
| Equity capital to assets | 10.7373% | 3,325 |
| Core capital (leverage) ratio | 11.1256% | 2,336 |
| Tier 1 risk-based capital ratio | 15.3161% | 2,909 |
| Total risk-based capital ratio | 16.1459% | 3,028 |
| Memoranda: | ||
| Average total assets | $177,779,000 | 3,203 |
| Average earning assets | $167,120,500 | 3,166 |
| Average equity | $18,982,750 | 3,298 |
| Average total loans | $87,221,000 | 3,651 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 3,872 |
| Cost of funding earning assets | 0.6871% | 856 |
| Net interest margin | 3.1382% | 4,726 |
| Noninterest income to average assets | 0.3473% | 4,294 |
| Noninterest expense to average assets | 2.3403% | 4,498 |
| Loan and lease loss provision to assets | 0.1697% | 1,311 |
| Net operating income to assets | 0.7000% | 3,788 |
| Return on assets (ROA) | 0.7533% | 3,687 |
| Pretax return on assets | 0.8472% | 4,131 |
| Return on Equity (ROE) | 7.0686% | 3,501 |
| Retained earnings to average equity (ytd only) | 1.9210% | 4,596 |
| Net charge-offs to loans | 0.7080% | 297 |
| Credit loss provision to net charge-offs | 49.3421% | 2,679 |
| Earnings coverage of net charge-offs (x) | 2.7829% | 3,208 |
| Efficiency ratio | 70.9777% | 2,825 |
| Assets per employee ($millions) | 5.2914% | 1,991 |
| Cash dividends to net income (ytd only)* | 72.8228% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,518 |
| Loan loss allowance to noncurrent loans | 246.7153% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.2668% | 1,609 |
| Noncurrent loans to loans | 0.4748% | 3,656 |
| Net loans and leases to total assets | 47.5476% | 5,029 |
| Net loans and leases to deposits | 62.8410% | 4,583 |
| Net loans and leases to core deposits | 64.8864% | 4,688 |
| Total domestic deposits to total assets | 75.6634% | 5,327 |
| Equity capital to assets | 10.6739% | 3,437 |
| Core capital (leverage) ratio | 11.0351% | 2,399 |
| Tier 1 risk-based capital ratio | 15.6765% | 2,793 |
| Total risk-based capital ratio | 16.4957% | 2,902 |
| Memoranda: | ||
| Average total assets | $176,815,330 | 3,230 |
| Average earning assets | $166,209,000 | 3,190 |
| Average equity | $18,844,000 | 3,322 |
| Average total loans | $85,869,670 | 3,696 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 3,726 |
| Cost of funding earning assets | 0.6873% | 859 |
| Net interest margin | 3.1741% | 4,661 |
| Noninterest income to average assets | 0.3583% | 4,159 |
| Noninterest expense to average assets | 2.3917% | 4,394 |
| Loan and lease loss provision to assets | 0.1712% | 1,201 |
| Net operating income to assets | 0.6753% | 3,847 |
| Return on assets (ROA) | 0.7805% | 3,455 |
| Pretax return on assets | 0.8992% | 3,844 |
| Return on Equity (ROE) | 7.3294% | 3,271 |
| Retained earnings to average equity (ytd only) | -3.0646% | 5,477 |
| Net charge-offs to loans | 1.2955% | 142 |
| Credit loss provision to net charge-offs | 27.0758% | 2,248 |
| Earnings coverage of net charge-offs (x) | 1.5018% | 2,809 |
| Efficiency ratio | 71.5847% | 2,856 |
| Assets per employee ($millions) | 5.0568% | 2,282 |
| Cash dividends to net income (ytd only)* | 141.8129% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,934 |
| Loan loss allowance to noncurrent loans | 157.5856% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5849% | 1,262 |
| Noncurrent loans to loans | 0.7119% | 3,061 |
| Net loans and leases to total assets | 48.1064% | 4,962 |
| Net loans and leases to deposits | 63.1411% | 4,495 |
| Net loans and leases to core deposits | 65.2224% | 4,601 |
| Total domestic deposits to total assets | 76.1886% | 5,388 |
| Equity capital to assets | 10.5307% | 3,452 |
| Core capital (leverage) ratio | 10.9791% | 2,425 |
| Tier 1 risk-based capital ratio | 15.3937% | 2,973 |
| Total risk-based capital ratio | 16.1730% | 3,131 |
| Memoranda: | ||
| Average total assets | $175,270,000 | 3,259 |
| Average earning assets | $164,710,500 | 3,222 |
| Average equity | $18,664,500 | 3,351 |
| Average total loans | $85,527,000 | 3,711 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,499 |
| Cost of funding earning assets | 0.7111% | 775 |
| Net interest margin | 3.2437% | 4,492 |
| Noninterest income to average assets | 0.3924% | 4,091 |
| Noninterest expense to average assets | 2.4205% | 4,465 |
| Loan and lease loss provision to assets | 0.1739% | 1,309 |
| Net operating income to assets | 0.7134% | 3,745 |
| Return on assets (ROA) | 0.7355% | 3,738 |
| Pretax return on assets | 0.8619% | 3,982 |
| Return on Equity (ROE) | 6.9656% | 3,531 |
| Retained earnings to average equity (ytd only) | 4.0509% | 3,131 |
| Net charge-offs to loans | 0.3245% | 923 |
| Credit loss provision to net charge-offs | 114.0684% | 2,230 |
| Earnings coverage of net charge-offs (x) | 6.6236% | 3,196 |
| Efficiency ratio | 70.5644% | 3,136 |
| Assets per employee ($millions) | 5.1045% | 2,236 |
| Cash dividends to net income (ytd only)* | 41.8440% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,536 |
| Loan loss allowance to noncurrent loans | 67.0879% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 2.2281% | 755 |
| Noncurrent loans to loans | 2.0495% | 1,009 |
| Net loans and leases to total assets | 48.2723% | 4,993 |
| Net loans and leases to deposits | 63.3779% | 4,519 |
| Net loans and leases to core deposits | 65.5073% | 4,630 |
| Total domestic deposits to total assets | 76.1658% | 5,425 |
| Equity capital to assets | 10.7696% | 3,053 |
| Core capital (leverage) ratio | 11.1500% | 2,265 |
| Tier 1 risk-based capital ratio | 15.4705% | 2,945 |
| Total risk-based capital ratio | 16.4104% | 3,033 |
| Memoranda: | ||
| Average total assets | $172,527,600 | 3,267 |
| Average earning assets | $161,576,000 | 3,237 |
| Average equity | $18,218,200 | 3,351 |
| Average total loans | $81,041,600 | 3,792 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 3,675 |
| Cost of funding earning assets | 0.7169% | 772 |
| Net interest margin | 3.2050% | 4,653 |
| Noninterest income to average assets | 0.3452% | 4,461 |
| Noninterest expense to average assets | 2.3830% | 4,555 |
| Loan and lease loss provision to assets | 0.1741% | 1,220 |
| Net operating income to assets | 0.6708% | 4,032 |
| Return on assets (ROA) | 0.7004% | 4,011 |
| Pretax return on assets | 0.8227% | 4,264 |
| Return on Equity (ROE) | 6.6665% | 3,798 |
| Retained earnings to average equity (ytd only) | 2.7550% | 4,464 |
| Net charge-offs to loans | 0.3497% | 754 |
| Credit loss provision to net charge-offs | 107.1429% | 2,153 |
| Earnings coverage of net charge-offs (x) | 5.9191% | 3,132 |
| Efficiency ratio | 71.2402% | 3,008 |
| Assets per employee ($millions) | 5.0767% | 2,206 |
| Cash dividends to net income (ytd only)* | 58.6737% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 2,719 |
| Loan loss allowance to noncurrent loans | 53.5014% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.7143% | 600 |
| Noncurrent loans to loans | 2.5703% | 780 |
| Net loans and leases to total assets | 47.6168% | 5,110 |
| Net loans and leases to deposits | 62.6811% | 4,667 |
| Net loans and leases to core deposits | 64.6188% | 4,785 |
| Total domestic deposits to total assets | 75.9668% | 5,488 |
| Equity capital to assets | 10.6247% | 3,443 |
| Core capital (leverage) ratio | 10.9151% | 2,581 |
| Tier 1 risk-based capital ratio | 14.9906% | 3,296 |
| Total risk-based capital ratio | 15.9014% | 3,403 |
| Memoranda: | ||
| Average total assets | $172,271,250 | 3,296 |
| Average earning assets | $161,245,500 | 3,265 |
| Average equity | $18,100,000 | 3,393 |
| Average total loans | $80,065,500 | 3,855 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 3,683 |
| Cost of funding earning assets | 0.7292% | 721 |
| Net interest margin | 3.1722% | 4,738 |
| Noninterest income to average assets | 0.3578% | 4,390 |
| Noninterest expense to average assets | 2.3641% | 4,682 |
| Loan and lease loss provision to assets | 0.1743% | 1,194 |
| Net operating income to assets | 0.6726% | 4,018 |
| Return on assets (ROA) | 0.6726% | 4,126 |
| Pretax return on assets | 0.7911% | 4,346 |
| Return on Equity (ROE) | 6.4261% | 3,916 |
| Retained earnings to average equity (ytd only) | 0.5327% | 5,341 |
| Net charge-offs to loans | 0.3343% | 787 |
| Credit loss provision to net charge-offs | 113.6364% | 1,878 |
| Earnings coverage of net charge-offs (x) | 6.2955% | 2,803 |
| Efficiency ratio | 71.0049% | 3,153 |
| Assets per employee ($millions) | 5.4617% | 1,774 |
| Cash dividends to net income (ytd only)* | 91.7098% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 3,018 |
| Loan loss allowance to noncurrent loans | 50.0436% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 2.5044% | 753 |
| Noncurrent loans to loans | 2.6829% | 807 |
| Net loans and leases to total assets | 48.3084% | 5,073 |
| Net loans and leases to deposits | 62.6148% | 4,651 |
| Net loans and leases to core deposits | 64.6164% | 4,764 |
| Total domestic deposits to total assets | 77.1518% | 5,436 |
| Equity capital to assets | 10.2681% | 3,723 |
| Core capital (leverage) ratio | 10.6977% | 2,733 |
| Tier 1 risk-based capital ratio | 14.7562% | 3,500 |
| Total risk-based capital ratio | 15.6709% | 3,605 |
| Memoranda: | ||
| Average total assets | $172,159,330 | 3,312 |
| Average earning assets | $161,278,000 | 3,288 |
| Average equity | $18,020,330 | 3,420 |
| Average total loans | $78,975,330 | 3,915 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 3,511 |
| Cost of funding earning assets | 0.7699% | 588 |
| Net interest margin | 3.1544% | 4,769 |
| Noninterest income to average assets | 0.3512% | 4,389 |
| Noninterest expense to average assets | 2.3834% | 4,641 |
| Loan and lease loss provision to assets | 0.1756% | 1,106 |
| Net operating income to assets | 0.6485% | 4,053 |
| Return on assets (ROA) | 0.6485% | 4,175 |
| Pretax return on assets | 0.7468% | 4,438 |
| Return on Equity (ROE) | 6.1360% | 3,964 |
| Retained earnings to average equity (ytd only) | -4.6297% | 5,908 |
| Net charge-offs to loans | 0.1533% | 1,340 |
| Credit loss provision to net charge-offs | 258.6207% | 906 |
| Earnings coverage of net charge-offs (x) | 13.5862% | 1,713 |
| Efficiency ratio | 72.0963% | 3,155 |
| Assets per employee ($millions) | 5.4085% | 1,872 |
| Cash dividends to net income (ytd only)* | 175.4513% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 2,623 |
| Loan loss allowance to noncurrent loans | 50.4501% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.6411% | 787 |
| Noncurrent loans to loans | 2.8929% | 777 |
| Net loans and leases to total assets | 45.9167% | 5,208 |
| Net loans and leases to deposits | 59.2738% | 4,802 |
| Net loans and leases to core deposits | 61.1780% | 4,901 |
| Total domestic deposits to total assets | 77.4654% | 5,538 |
| Equity capital to assets | 10.3044% | 3,770 |
| Core capital (leverage) ratio | 10.7554% | 2,684 |
| Tier 1 risk-based capital ratio | 15.5903% | 3,109 |
| Total risk-based capital ratio | 16.5942% | 3,162 |
| Memoranda: | ||
| Average total assets | $170,851,500 | 3,345 |
| Average earning assets | $160,029,500 | 3,324 |
| Average equity | $18,057,500 | 3,438 |
| Average total loans | $75,673,000 | 4,033 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 3,093 |
| Cost of funding earning assets | 0.8152% | 601 |
| Net interest margin | 3.3430% | 4,428 |
| Noninterest income to average assets | 0.3894% | 4,268 |
| Noninterest expense to average assets | 2.4792% | 4,613 |
| Loan and lease loss provision to assets | 0.2956% | 696 |
| Net operating income to assets | 0.6192% | 4,280 |
| Return on assets (ROA) | 0.6360% | 4,311 |
| Pretax return on assets | 0.7534% | 4,429 |
| Return on Equity (ROE) | 6.1956% | 4,058 |
| Retained earnings to average equity (ytd only) | 3.4024% | 3,785 |
| Net charge-offs to loans | 0.5070% | 806 |
| Credit loss provision to net charge-offs | 136.8852% | 1,727 |
| Earnings coverage of net charge-offs (x) | 4.7650% | 3,569 |
| Efficiency ratio | 70.6694% | 3,432 |
| Assets per employee ($millions) | 5.6210% | 1,672 |
| Cash dividends to net income (ytd only)* | 45.0835% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 2,090 |
| Loan loss allowance to noncurrent loans | 45.9383% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 2.7788% | 782 |
| Noncurrent loans to loans | 3.4823% | 591 |
| Net loans and leases to total assets | 41.2552% | 5,675 |
| Net loans and leases to deposits | 52.7589% | 5,428 |
| Net loans and leases to core deposits | 54.4815% | 5,479 |
| Total domestic deposits to total assets | 78.1956% | 5,397 |
| Equity capital to assets | 10.8408% | 3,070 |
| Core capital (leverage) ratio | 11.0544% | 2,354 |
| Tier 1 risk-based capital ratio | 17.0676% | 2,487 |
| Total risk-based capital ratio | 18.1117% | 2,509 |
| Memoranda: | ||
| Average total assets | $169,492,400 | 3,351 |
| Average earning assets | $158,122,400 | 3,309 |
| Average equity | $17,399,400 | 3,468 |
| Average total loans | $72,186,200 | 4,118 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 2,983 |
| Cost of funding earning assets | 0.8311% | 590 |
| Net interest margin | 3.3707% | 4,356 |
| Noninterest income to average assets | 0.4070% | 4,191 |
| Noninterest expense to average assets | 2.4976% | 4,533 |
| Loan and lease loss provision to assets | 0.3229% | 578 |
| Net operating income to assets | 0.6095% | 4,405 |
| Return on assets (ROA) | 0.6317% | 4,399 |
| Pretax return on assets | 0.7581% | 4,508 |
| Return on Equity (ROE) | 6.2400% | 4,111 |
| Retained earnings to average equity (ytd only) | 2.4681% | 4,818 |
| Net charge-offs to loans | 0.5899% | 633 |
| Credit loss provision to net charge-offs | 128.0374% | 1,805 |
| Earnings coverage of net charge-offs (x) | 4.1807% | 3,518 |
| Efficiency ratio | 70.3163% | 3,453 |
| Assets per employee ($millions) | 5.2341% | 1,976 |
| Cash dividends to net income (ytd only)* | 60.4476% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 2,579 |
| Loan loss allowance to noncurrent loans | 43.0781% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 2.7715% | 890 |
| Noncurrent loans to loans | 3.5503% | 667 |
| Net loans and leases to total assets | 41.7471% | 5,695 |
| Net loans and leases to deposits | 53.8586% | 5,403 |
| Net loans and leases to core deposits | 55.6375% | 5,469 |
| Total domestic deposits to total assets | 77.5124% | 5,603 |
| Equity capital to assets | 10.7080% | 3,289 |
| Core capital (leverage) ratio | 10.8831% | 2,595 |
| Tier 1 risk-based capital ratio | 16.6740% | 2,735 |
| Total risk-based capital ratio | 17.6682% | 2,800 |
| Memoranda: | ||
| Average total assets | $169,707,750 | 3,373 |
| Average earning assets | $158,339,000 | 3,330 |
| Average equity | $17,179,000 | 3,520 |
| Average total loans | $72,557,750 | 4,137 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,881 |
| Cost of funding earning assets | 0.8427% | 578 |
| Net interest margin | 3.3771% | 4,274 |
| Noninterest income to average assets | 0.3954% | 4,275 |
| Noninterest expense to average assets | 2.5005% | 4,574 |
| Loan and lease loss provision to assets | 0.3767% | 457 |
| Net operating income to assets | 0.5559% | 4,565 |
| Return on assets (ROA) | 0.5890% | 4,506 |
| Pretax return on assets | 0.7087% | 4,609 |
| Return on Equity (ROE) | 5.9314% | 4,189 |
| Retained earnings to average equity (ytd only) | 0.1890% | 5,636 |
| Net charge-offs to loans | 0.8348% | 448 |
| Credit loss provision to net charge-offs | 105.2459% | 1,904 |
| Earnings coverage of net charge-offs (x) | 2.9213% | 3,433 |
| Efficiency ratio | 70.5162% | 3,571 |
| Assets per employee ($millions) | 5.3157% | 1,863 |
| Cash dividends to net income (ytd only)* | 96.8127% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 3,250 |
| Loan loss allowance to noncurrent loans | 42.9542% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.7090% | 980 |
| Noncurrent loans to loans | 3.3047% | 840 |
| Net loans and leases to total assets | 41.3164% | 5,723 |
| Net loans and leases to deposits | 53.1173% | 5,413 |
| Net loans and leases to core deposits | 54.7088% | 5,508 |
| Total domestic deposits to total assets | 77.7833% | 5,679 |
| Equity capital to assets | 10.3179% | 3,661 |
| Core capital (leverage) ratio | 10.5306% | 2,909 |
| Tier 1 risk-based capital ratio | 16.3126% | 2,928 |
| Total risk-based capital ratio | 17.2342% | 3,031 |
| Memoranda: | ||
| Average total assets | $170,446,330 | 3,377 |
| Average earning assets | $159,013,670 | 3,334 |
| Average equity | $16,927,000 | 3,553 |
| Average total loans | $73,074,000 | 4,130 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 2,970 |
| Cost of funding earning assets | 0.8517% | 580 |
| Net interest margin | 3.3215% | 4,453 |
| Noninterest income to average assets | 0.3962% | 4,219 |
| Noninterest expense to average assets | 2.4663% | 4,737 |
| Loan and lease loss provision to assets | 0.5416% | 259 |
| Net operating income to assets | 0.4152% | 5,065 |
| Return on assets (ROA) | 0.4829% | 4,847 |
| Pretax return on assets | 0.5673% | 4,944 |
| Return on Equity (ROE) | 4.9594% | 4,574 |
| Retained earnings to average equity (ytd only) | -6.7409% | 6,226 |
| Net charge-offs to loans | 0.0811% | 2,343 |
| Credit loss provision to net charge-offs | 1,540.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 29.2667% | 1,067 |
| Efficiency ratio | 70.5567% | 3,736 |
| Assets per employee ($millions) | 5.0609% | 2,173 |
| Cash dividends to net income (ytd only)* | 235.9223% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 2,532 |
| Loan loss allowance to noncurrent loans | 56.3983% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5397% | 1,246 |
| Noncurrent loans to loans | 2.9159% | 1,114 |
| Net loans and leases to total assets | 42.1265% | 5,658 |
| Net loans and leases to deposits | 54.6004% | 5,226 |
| Net loans and leases to core deposits | 56.3400% | 5,333 |
| Total domestic deposits to total assets | 77.1541% | 5,946 |
| Equity capital to assets | 9.5322% | 4,460 |
| Core capital (leverage) ratio | 10.3422% | 3,127 |
| Tier 1 risk-based capital ratio | 15.6312% | 3,364 |
| Total risk-based capital ratio | 16.7067% | 3,421 |
| Memoranda: | ||
| Average total assets | $170,618,500 | 3,396 |
| Average earning assets | $159,205,000 | 3,354 |
| Average equity | $16,615,000 | 3,599 |
| Average total loans | $73,965,000 | 4,136 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,530 |
| Cost of funding earning assets | 0.9788% | 501 |
| Net interest margin | 3.4368% | 4,140 |
| Noninterest income to average assets | 0.5522% | 3,389 |
| Noninterest expense to average assets | 2.5474% | 4,620 |
| Loan and lease loss provision to assets | 0.2928% | 1,161 |
| Net operating income to assets | 0.7195% | 3,701 |
| Return on assets (ROA) | 0.7325% | 3,729 |
| Pretax return on assets | 0.9443% | 3,585 |
| Return on Equity (ROE) | 7.4477% | 3,328 |
| Retained earnings to average equity (ytd only) | 4.0778% | 3,281 |
| Net charge-offs to loans | 0.6023% | 1,090 |
| Credit loss provision to net charge-offs | 110.5618% | 2,178 |
| Earnings coverage of net charge-offs (x) | 4.6090% | 3,516 |
| Efficiency ratio | 67.6090% | 4,268 |
| Assets per employee ($millions) | 4.8333% | 2,399 |
| Cash dividends to net income (ytd only)* | 45.2478% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 3,927 |
| Loan loss allowance to noncurrent loans | 60.1813% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2942% | 1,539 |
| Noncurrent loans to loans | 2.2295% | 1,740 |
| Net loans and leases to total assets | 43.2915% | 5,737 |
| Net loans and leases to deposits | 56.5709% | 5,249 |
| Net loans and leases to core deposits | 58.4193% | 5,354 |
| Total domestic deposits to total assets | 76.5262% | 6,047 |
| Equity capital to assets | 9.9476% | 3,839 |
| Core capital (leverage) ratio | 10.5389% | 2,871 |
| Tier 1 risk-based capital ratio | 16.0001% | 3,090 |
| Total risk-based capital ratio | 16.8906% | 3,240 |
| Memoranda: | ||
| Average total assets | $168,055,800 | 3,441 |
| Average earning assets | $157,238,200 | 3,384 |
| Average equity | $16,528,600 | 3,626 |
| Average total loans | $73,884,400 | 4,135 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 2,495 |
| Cost of funding earning assets | 1.0085% | 470 |
| Net interest margin | 3.4212% | 4,201 |
| Noninterest income to average assets | 0.5515% | 3,446 |
| Noninterest expense to average assets | 2.5350% | 4,602 |
| Loan and lease loss provision to assets | 0.3075% | 1,101 |
| Net operating income to assets | 0.6989% | 3,866 |
| Return on assets (ROA) | 0.7160% | 3,907 |
| Pretax return on assets | 0.9337% | 3,747 |
| Return on Equity (ROE) | 7.3011% | 3,488 |
| Retained earnings to average equity (ytd only) | 2.7876% | 4,651 |
| Net charge-offs to loans | 0.5998% | 1,041 |
| Credit loss provision to net charge-offs | 116.5663% | 2,024 |
| Earnings coverage of net charge-offs (x) | 4.6204% | 3,395 |
| Efficiency ratio | 67.5275% | 4,184 |
| Assets per employee ($millions) | 4.8086% | 2,427 |
| Cash dividends to net income (ytd only)* | 61.8205% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 4,160 |
| Loan loss allowance to noncurrent loans | 50.9904% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 2.3476% | 1,675 |
| Noncurrent loans to loans | 2.6388% | 1,606 |
| Net loans and leases to total assets | 43.7398% | 5,743 |
| Net loans and leases to deposits | 58.2035% | 5,168 |
| Net loans and leases to core deposits | 59.9453% | 5,306 |
| Total domestic deposits to total assets | 75.1497% | 6,263 |
| Equity capital to assets | 9.8455% | 4,111 |
| Core capital (leverage) ratio | 10.5790% | 2,917 |
| Tier 1 risk-based capital ratio | 15.6236% | 3,388 |
| Total risk-based capital ratio | 16.5165% | 3,538 |
| Memoranda: | ||
| Average total assets | $167,778,000 | 3,484 |
| Average earning assets | $157,056,250 | 3,424 |
| Average equity | $16,453,750 | 3,677 |
| Average total loans | $73,797,750 | 4,165 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 2,479 |
| Cost of funding earning assets | 1.0389% | 451 |
| Net interest margin | 3.3842% | 4,247 |
| Noninterest income to average assets | 0.5513% | 3,490 |
| Noninterest expense to average assets | 2.5238% | 4,650 |
| Loan and lease loss provision to assets | 0.2947% | 1,227 |
| Net operating income to assets | 0.6938% | 3,835 |
| Return on assets (ROA) | 0.7196% | 3,894 |
| Pretax return on assets | 0.9379% | 3,752 |
| Return on Equity (ROE) | 7.3469% | 3,421 |
| Retained earnings to average equity (ytd only) | 0.5605% | 5,680 |
| Net charge-offs to loans | 0.6528% | 1,004 |
| Credit loss provision to net charge-offs | 102.9167% | 2,152 |
| Earnings coverage of net charge-offs (x) | 4.1875% | 3,193 |
| Efficiency ratio | 67.7885% | 4,221 |
| Assets per employee ($millions) | 4.7771% | 2,416 |
| Cash dividends to net income (ytd only)* | 92.3715% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 4,581 |
| Loan loss allowance to noncurrent loans | 44.1979% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 2.6968% | 1,548 |
| Noncurrent loans to loans | 2.9061% | 1,545 |
| Net loans and leases to total assets | 43.9438% | 5,744 |
| Net loans and leases to deposits | 57.4065% | 5,209 |
| Net loans and leases to core deposits | 59.7020% | 5,287 |
| Total domestic deposits to total assets | 76.5484% | 6,188 |
| Equity capital to assets | 9.6824% | 4,331 |
| Core capital (leverage) ratio | 10.4436% | 2,945 |
| Tier 1 risk-based capital ratio | 15.5358% | 3,462 |
| Total risk-based capital ratio | 16.3959% | 3,643 |
| Memoranda: | ||
| Average total assets | $167,604,000 | 3,502 |
| Average earning assets | $157,083,670 | 3,445 |
| Average equity | $16,415,000 | 3,710 |
| Average total loans | $73,524,330 | 4,191 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 2,193 |
| Cost of funding earning assets | 1.0810% | 410 |
| Net interest margin | 3.4131% | 4,069 |
| Noninterest income to average assets | 0.5578% | 3,382 |
| Noninterest expense to average assets | 2.5434% | 4,603 |
| Loan and lease loss provision to assets | 0.2503% | 1,435 |
| Net operating income to assets | 0.7335% | 3,515 |
| Return on assets (ROA) | 0.7842% | 3,384 |
| Pretax return on assets | 1.0369% | 3,196 |
| Return on Equity (ROE) | 7.9622% | 2,993 |
| Retained earnings to average equity (ytd only) | -5.5179% | 6,399 |
| Net charge-offs to loans | 0.4379% | 1,359 |
| Credit loss provision to net charge-offs | 131.2500% | 1,508 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,223 |
| Efficiency ratio | 67.5744% | 4,396 |
| Assets per employee ($millions) | 4.8120% | 2,465 |
| Cash dividends to net income (ytd only)* | 169.3009% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,605 |
| Loan loss allowance to noncurrent loans | 36.1142% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 1.9552% | 2,402 |
| Noncurrent loans to loans | 3.6485% | 1,302 |
| Net loans and leases to total assets | 43.3123% | 5,728 |
| Net loans and leases to deposits | 56.5529% | 5,192 |
| Net loans and leases to core deposits | 58.2077% | 5,332 |
| Total domestic deposits to total assets | 76.5872% | 6,296 |
| Equity capital to assets | 9.7108% | 4,548 |
| Core capital (leverage) ratio | 10.1475% | 3,221 |
| Tier 1 risk-based capital ratio | 15.5130% | 3,518 |
| Total risk-based capital ratio | 16.4021% | 3,690 |
| Memoranda: | ||
| Average total assets | $167,806,000 | 3,539 |
| Average earning assets | $157,628,000 | 3,478 |
| Average equity | $16,528,000 | 3,735 |
| Average total loans | $73,071,500 | 4,233 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 2,451 |
| Cost of funding earning assets | 1.3424% | 314 |
| Net interest margin | 3.3917% | 4,915 |
| Noninterest income to average assets | 0.5036% | 3,873 |
| Noninterest expense to average assets | 2.4703% | 5,187 |
| Loan and lease loss provision to assets | 0.3354% | 2,004 |
| Net operating income to assets | 0.6931% | 3,770 |
| Return on assets (ROA) | 0.6941% | 4,026 |
| Pretax return on assets | 0.8600% | 4,068 |
| Return on Equity (ROE) | 7.1258% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.1316% | 3,319 |
| Net charge-offs to loans | 0.3137% | 3,075 |
| Credit loss provision to net charge-offs | 253.3937% | 953 |
| Earnings coverage of net charge-offs (x) | 9.0226% | 2,316 |
| Efficiency ratio | 67.4130% | 4,248 |
| Assets per employee ($millions) | 4.7769% | 2,528 |
| Cash dividends to net income (ytd only)* | 42.0190% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,559 |
| Loan loss allowance to noncurrent loans | 39.7237% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 1.8416% | 2,654 |
| Noncurrent loans to loans | 3.3079% | 1,549 |
| Net loans and leases to total assets | 42.6297% | 5,937 |
| Net loans and leases to deposits | 56.1147% | 5,435 |
| Net loans and leases to core deposits | 57.7952% | 5,568 |
| Total domestic deposits to total assets | 75.9688% | 6,355 |
| Equity capital to assets | 9.9892% | 4,177 |
| Core capital (leverage) ratio | 10.2669% | 3,054 |
| Tier 1 risk-based capital ratio | 16.1179% | 3,093 |
| Total risk-based capital ratio | 17.0061% | 3,245 |
| Memoranda: | ||
| Average total assets | $166,986,000 | 3,505 |
| Average earning assets | $155,615,400 | 3,455 |
| Average equity | $16,264,800 | 3,746 |
| Average total loans | $70,453,400 | 4,345 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 2,445 |
| Cost of funding earning assets | 1.3926% | 300 |
| Net interest margin | 3.3921% | 5,061 |
| Noninterest income to average assets | 0.4976% | 3,948 |
| Noninterest expense to average assets | 2.4648% | 5,197 |
| Loan and lease loss provision to assets | 0.3187% | 2,073 |
| Net operating income to assets | 0.6848% | 3,981 |
| Return on assets (ROA) | 0.6861% | 4,232 |
| Pretax return on assets | 0.8674% | 4,231 |
| Return on Equity (ROE) | 7.0891% | 3,756 |
| Retained earnings to average equity (ytd only) | 3.0701% | 4,714 |
| Net charge-offs to loans | 0.3885% | 2,538 |
| Credit loss provision to net charge-offs | 195.5882% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.2697% | 2,626 |
| Efficiency ratio | 67.5421% | 4,163 |
| Assets per employee ($millions) | 4.7821% | 2,485 |
| Cash dividends to net income (ytd only)* | 56.6943% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 5,538 |
| Loan loss allowance to noncurrent loans | 153.0418% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 4,523 |
| Noncurrent loans to loans | 0.7478% | 4,924 |
| Net loans and leases to total assets | 41.5441% | 6,160 |
| Net loans and leases to deposits | 54.7788% | 5,739 |
| Net loans and leases to core deposits | 56.4234% | 5,861 |
| Total domestic deposits to total assets | 75.8397% | 6,403 |
| Equity capital to assets | 9.7978% | 4,785 |
| Core capital (leverage) ratio | 10.2487% | 3,227 |
| Tier 1 risk-based capital ratio | 16.0577% | 3,235 |
| Total risk-based capital ratio | 16.8215% | 3,456 |
| Memoranda: | ||
| Average total assets | $166,934,750 | 3,537 |
| Average earning assets | $155,099,500 | 3,497 |
| Average equity | $16,155,750 | 3,795 |
| Average total loans | $70,011,250 | 4,397 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 2,329 |
| Cost of funding earning assets | 1.4421% | 298 |
| Net interest margin | 3.4015% | 5,085 |
| Noninterest income to average assets | 0.5228% | 3,763 |
| Noninterest expense to average assets | 2.4522% | 5,288 |
| Loan and lease loss provision to assets | 0.3094% | 2,132 |
| Net operating income to assets | 0.7272% | 3,717 |
| Return on assets (ROA) | 0.7291% | 3,982 |
| Pretax return on assets | 0.9257% | 3,982 |
| Return on Equity (ROE) | 7.5647% | 3,469 |
| Retained earnings to average equity (ytd only) | 1.5055% | 5,449 |
| Net charge-offs to loans | 0.5322% | 1,997 |
| Credit loss provision to net charge-offs | 138.7097% | 1,990 |
| Earnings coverage of net charge-offs (x) | 5.5269% | 2,815 |
| Efficiency ratio | 66.5473% | 4,415 |
| Assets per employee ($millions) | 4.7742% | 2,472 |
| Cash dividends to net income (ytd only)* | 80.0987% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 6,234 |
| Loan loss allowance to noncurrent loans | 183.3333% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 4,720 |
| Noncurrent loans to loans | 0.5338% | 5,455 |
| Net loans and leases to total assets | 41.2996% | 6,250 |
| Net loans and leases to deposits | 53.2879% | 5,927 |
| Net loans and leases to core deposits | 54.8543% | 6,034 |
| Total domestic deposits to total assets | 77.5028% | 6,246 |
| Equity capital to assets | 9.6579% | 4,813 |
| Core capital (leverage) ratio | 10.0656% | 3,334 |
| Tier 1 risk-based capital ratio | 15.9536% | 3,187 |
| Total risk-based capital ratio | 16.6062% | 3,493 |
| Memoranda: | ||
| Average total assets | $166,788,330 | 3,554 |
| Average earning assets | $155,049,670 | 3,515 |
| Average equity | $16,074,670 | 3,796 |
| Average total loans | $69,902,000 | 4,423 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 2,207 |
| Cost of funding earning assets | 1.4925% | 296 |
| Net interest margin | 3.4154% | 5,050 |
| Noninterest income to average assets | 0.5137% | 3,821 |
| Noninterest expense to average assets | 2.4701% | 5,245 |
| Loan and lease loss provision to assets | 0.3337% | 1,875 |
| Net operating income to assets | 0.7163% | 3,800 |
| Return on assets (ROA) | 0.7201% | 4,002 |
| Pretax return on assets | 0.8954% | 4,045 |
| Return on Equity (ROE) | 7.4799% | 3,508 |
| Retained earnings to average equity (ytd only) | -4.6625% | 6,557 |
| Net charge-offs to loans | 0.2914% | 2,503 |
| Credit loss provision to net charge-offs | 272.5490% | 1,073 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,788 |
| Efficiency ratio | 66.8616% | 4,384 |
| Assets per employee ($millions) | 4.7937% | 2,519 |
| Cash dividends to net income (ytd only)* | 162.3333% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,272 |
| Loan loss allowance to noncurrent loans | 106.8913% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 4,377 |
| Noncurrent loans to loans | 0.9303% | 4,805 |
| Net loans and leases to total assets | 41.4179% | 6,241 |
| Net loans and leases to deposits | 53.8778% | 5,821 |
| Net loans and leases to core deposits | 55.1936% | 5,972 |
| Total domestic deposits to total assets | 76.8739% | 6,418 |
| Equity capital to assets | 9.5011% | 4,806 |
| Core capital (leverage) ratio | 9.8644% | 3,547 |
| Tier 1 risk-based capital ratio | 15.6809% | 3,344 |
| Total risk-based capital ratio | 16.3498% | 3,653 |
| Memoranda: | ||
| Average total assets | $166,634,500 | 3,575 |
| Average earning assets | $155,180,000 | 3,525 |
| Average equity | $16,043,000 | 3,807 |
| Average total loans | $70,007,000 | 4,450 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 3,389 |
| Cost of funding earning assets | 1.7715% | 240 |
| Net interest margin | 3.1221% | 6,291 |
| Noninterest income to average assets | 0.5217% | 3,710 |
| Noninterest expense to average assets | 2.4622% | 5,591 |
| Loan and lease loss provision to assets | 0.2262% | 3,941 |
| Net operating income to assets | 0.6637% | 3,670 |
| Return on assets (ROA) | 0.6805% | 3,768 |
| Pretax return on assets | 0.7533% | 4,143 |
| Return on Equity (ROE) | 7.2214% | 3,298 |
| Retained earnings to average equity (ytd only) | 3.7544% | 3,546 |
| Net charge-offs to loans | 0.6525% | 2,518 |
| Credit loss provision to net charge-offs | 85.0679% | 4,237 |
| Earnings coverage of net charge-offs (x) | 3.6131% | 3,455 |
| Efficiency ratio | 71.9283% | 3,590 |
| Assets per employee ($millions) | 4.7283% | 2,548 |
| Cash dividends to net income (ytd only)* | 48.0106% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 6,596 |
| Loan loss allowance to noncurrent loans | 67.1806% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 4,049 |
| Noncurrent loans to loans | 1.3004% | 4,203 |
| Net loans and leases to total assets | 41.8245% | 6,399 |
| Net loans and leases to deposits | 54.7055% | 6,003 |
| Net loans and leases to core deposits | 56.0659% | 6,151 |
| Total domestic deposits to total assets | 76.4540% | 6,420 |
| Equity capital to assets | 9.7559% | 4,502 |
| Core capital (leverage) ratio | 10.1104% | 3,212 |
| Tier 1 risk-based capital ratio | 15.8740% | 3,110 |
| Total risk-based capital ratio | 16.4590% | 3,470 |
| Memoranda: | ||
| Average total assets | $166,195,400 | 3,551 |
| Average earning assets | $154,449,600 | 3,501 |
| Average equity | $15,661,800 | 3,779 |
| Average total loans | $67,743,200 | 4,569 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 3,534 |
| Cost of funding earning assets | 1.8216% | 243 |
| Net interest margin | 3.0820% | 6,425 |
| Noninterest income to average assets | 0.4889% | 3,958 |
| Noninterest expense to average assets | 2.4739% | 5,550 |
| Loan and lease loss provision to assets | 0.2212% | 3,803 |
| Net operating income to assets | 0.6155% | 4,021 |
| Return on assets (ROA) | 0.6155% | 4,198 |
| Pretax return on assets | 0.6547% | 4,627 |
| Return on Equity (ROE) | 6.5888% | 3,720 |
| Retained earnings to average equity (ytd only) | 2.1877% | 5,030 |
| Net charge-offs to loans | 0.3451% | 3,373 |
| Credit loss provision to net charge-offs | 158.6207% | 1,953 |
| Earnings coverage of net charge-offs (x) | 6.2817% | 2,579 |
| Efficiency ratio | 73.8517% | 3,209 |
| Assets per employee ($millions) | 4.8374% | 2,415 |
| Cash dividends to net income (ytd only)* | 66.7969% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,629 |
| Loan loss allowance to noncurrent loans | 62.0415% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.4653% | 3,921 |
| Noncurrent loans to loans | 1.8737% | 3,537 |
| Net loans and leases to total assets | 40.2192% | 6,612 |
| Net loans and leases to deposits | 52.8473% | 6,305 |
| Net loans and leases to core deposits | 54.2761% | 6,445 |
| Total domestic deposits to total assets | 76.1046% | 6,525 |
| Equity capital to assets | 9.6248% | 4,899 |
| Core capital (leverage) ratio | 9.9535% | 3,503 |
| Tier 1 risk-based capital ratio | 15.9929% | 3,124 |
| Total risk-based capital ratio | 16.7602% | 3,349 |
| Memoranda: | ||
| Average total assets | $166,372,000 | 3,569 |
| Average earning assets | $154,439,000 | 3,523 |
| Average equity | $15,541,000 | 3,819 |
| Average total loans | $67,222,750 | 4,624 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 3,462 |
| Cost of funding earning assets | 1.8622% | 249 |
| Net interest margin | 3.0735% | 6,461 |
| Noninterest income to average assets | 0.5197% | 3,707 |
| Noninterest expense to average assets | 2.4562% | 5,679 |
| Loan and lease loss provision to assets | 0.2096% | 3,822 |
| Net operating income to assets | 0.6527% | 3,785 |
| Return on assets (ROA) | 0.6527% | 3,910 |
| Pretax return on assets | 0.7042% | 4,370 |
| Return on Equity (ROE) | 7.0575% | 3,425 |
| Retained earnings to average equity (ytd only) | 0.4144% | 5,679 |
| Net charge-offs to loans | 0.3416% | 3,195 |
| Credit loss provision to net charge-offs | 152.1739% | 2,011 |
| Earnings coverage of net charge-offs (x) | 6.6348% | 2,361 |
| Efficiency ratio | 72.8856% | 3,565 |
| Assets per employee ($millions) | 4.8976% | 2,263 |
| Cash dividends to net income (ytd only)* | 94.1284% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,957 |
| Loan loss allowance to noncurrent loans | 70.0285% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 4,252 |
| Noncurrent loans to loans | 1.5710% | 4,048 |
| Net loans and leases to total assets | 39.7346% | 6,765 |
| Net loans and leases to deposits | 52.0238% | 6,470 |
| Net loans and leases to core deposits | 53.1911% | 6,605 |
| Total domestic deposits to total assets | 76.3776% | 6,541 |
| Equity capital to assets | 9.3706% | 5,034 |
| Core capital (leverage) ratio | 9.7070% | 3,652 |
| Tier 1 risk-based capital ratio | 15.7537% | 3,105 |
| Total risk-based capital ratio | 16.4785% | 3,347 |
| Memoranda: | ||
| Average total assets | $167,005,670 | 3,586 |
| Average earning assets | $154,870,330 | 3,549 |
| Average equity | $15,444,670 | 3,828 |
| Average total loans | $67,321,330 | 4,663 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 3,546 |
| Cost of funding earning assets | 1.8832% | 270 |
| Net interest margin | 3.0254% | 6,519 |
| Noninterest income to average assets | 0.6218% | 3,027 |
| Noninterest expense to average assets | 2.4682% | 5,678 |
| Loan and lease loss provision to assets | 0.1794% | 3,821 |
| Net operating income to assets | 0.7127% | 3,463 |
| Return on assets (ROA) | 0.7127% | 3,529 |
| Pretax return on assets | 0.7869% | 3,949 |
| Return on Equity (ROE) | 7.7579% | 3,025 |
| Retained earnings to average equity (ytd only) | -5.5971% | 6,562 |
| Net charge-offs to loans | 0.0296% | 4,682 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 80.8000% | 382 |
| Efficiency ratio | 71.8663% | 3,897 |
| Assets per employee ($millions) | 4.9668% | 2,213 |
| Cash dividends to net income (ytd only)* | 172.1477% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 6,005 |
| Loan loss allowance to noncurrent loans | 74.5255% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4259% | 4,137 |
| Noncurrent loans to loans | 1.4894% | 4,238 |
| Net loans and leases to total assets | 39.3561% | 6,827 |
| Net loans and leases to deposits | 51.7210% | 6,496 |
| Net loans and leases to core deposits | 52.8685% | 6,631 |
| Total domestic deposits to total assets | 76.0930% | 6,658 |
| Equity capital to assets | 9.0300% | 5,159 |
| Core capital (leverage) ratio | 9.5493% | 3,724 |
| Tier 1 risk-based capital ratio | 15.2886% | 3,261 |
| Total risk-based capital ratio | 16.0128% | 3,534 |
| Memoranda: | ||
| Average total assets | $167,248,500 | 3,604 |
| Average earning assets | $155,483,500 | 3,552 |
| Average equity | $15,365,000 | 3,834 |
| Average total loans | $67,531,000 | 4,702 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 5,060 |
| Cost of funding earning assets | 2.1299% | 384 |
| Net interest margin | 2.7642% | 7,070 |
| Noninterest income to average assets | 0.7041% | 2,819 |
| Noninterest expense to average assets | 2.5834% | 5,489 |
| Loan and lease loss provision to assets | 0.2871% | 4,504 |
| Net operating income to assets | 0.4798% | 4,193 |
| Return on assets (ROA) | 0.4798% | 4,348 |
| Pretax return on assets | 0.4089% | 4,914 |
| Return on Equity (ROE) | 5.1279% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.1279% | 2,344 |
| Net charge-offs to loans | 0.3410% | 4,308 |
| Credit loss provision to net charge-offs | 195.7627% | 1,618 |
| Earnings coverage of net charge-offs (x) | 4.7458% | 2,819 |
| Efficiency ratio | 78.7758% | 2,568 |
| Assets per employee ($millions) | 4.8714% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,411 |
| Loan loss allowance to noncurrent loans | 72.2995% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 4,281 |
| Noncurrent loans to loans | 1.3779% | 4,421 |
| Net loans and leases to total assets | 40.5607% | 6,930 |
| Net loans and leases to deposits | 54.1906% | 6,593 |
| Net loans and leases to core deposits | 55.3205% | 6,735 |
| Total domestic deposits to total assets | 74.8482% | 6,791 |
| Equity capital to assets | 9.3470% | 4,623 |
| Core capital (leverage) ratio | 9.8694% | 3,244 |
| Tier 1 risk-based capital ratio | 15.4386% | 3,022 |
| Total risk-based capital ratio | 16.0923% | 3,303 |
| Memoranda: | ||
| Average total assets | $160,912,200 | 3,679 |
| Average earning assets | $149,916,000 | 3,634 |
| Average equity | $15,055,000 | 3,932 |
| Average total loans | $69,207,400 | 4,708 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 5,341 |
| Cost of funding earning assets | 2.1828% | 398 |
| Net interest margin | 2.6999% | 7,233 |
| Noninterest income to average assets | 0.7087% | 2,775 |
| Noninterest expense to average assets | 2.5951% | 5,346 |
| Loan and lease loss provision to assets | 0.2479% | 4,609 |
| Net operating income to assets | 0.4574% | 4,505 |
| Return on assets (ROA) | 0.4574% | 4,689 |
| Pretax return on assets | 0.3806% | 5,280 |
| Return on Equity (ROE) | 4.8878% | 4,343 |
| Retained earnings to average equity (ytd only) | 4.8878% | 3,062 |
| Net charge-offs to loans | 0.3259% | 4,032 |
| Credit loss provision to net charge-offs | 174.7059% | 2,109 |
| Earnings coverage of net charge-offs (x) | 4.4294% | 3,055 |
| Efficiency ratio | 80.5023% | 2,275 |
| Assets per employee ($millions) | 4.7616% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 6,896 |
| Loan loss allowance to noncurrent loans | 56.1831% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 4,243 |
| Noncurrent loans to loans | 1.5093% | 4,372 |
| Net loans and leases to total assets | 41.6736% | 6,996 |
| Net loans and leases to deposits | 54.9495% | 6,692 |
| Net loans and leases to core deposits | 55.9785% | 6,860 |
| Total domestic deposits to total assets | 75.8397% | 6,684 |
| Equity capital to assets | 9.4982% | 4,848 |
| Core capital (leverage) ratio | 9.8468% | 3,437 |
| Tier 1 risk-based capital ratio | 15.8097% | 2,859 |
| Total risk-based capital ratio | 16.3893% | 3,165 |
| Memoranda: | ||
| Average total assets | $159,733,750 | 3,759 |
| Average earning assets | $148,794,500 | 3,707 |
| Average equity | $14,948,500 | 3,998 |
| Average total loans | $69,545,500 | 4,775 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 5,777 |
| Cost of funding earning assets | 2.2038% | 459 |
| Net interest margin | 2.6027% | 7,345 |
| Noninterest income to average assets | 0.7572% | 2,344 |
| Noninterest expense to average assets | 2.5784% | 5,414 |
| Loan and lease loss provision to assets | 0.3081% | 3,919 |
| Net operating income to assets | 0.4012% | 4,748 |
| Return on assets (ROA) | 0.4012% | 4,909 |
| Pretax return on assets | 0.2993% | 5,500 |
| Return on Equity (ROE) | 4.3092% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.3092% | 3,337 |
| Net charge-offs to loans | 0.4540% | 3,174 |
| Credit loss provision to net charge-offs | 154.0881% | 2,550 |
| Earnings coverage of net charge-offs (x) | 3.0377% | 3,482 |
| Efficiency ratio | 80.9317% | 2,310 |
| Assets per employee ($millions) | 4.7073% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 7,117 |
| Loan loss allowance to noncurrent loans | 44.1516% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 4,754 |
| Noncurrent loans to loans | 1.7260% | 4,102 |
| Net loans and leases to total assets | 43.6122% | 6,954 |
| Net loans and leases to deposits | 57.1522% | 6,645 |
| Net loans and leases to core deposits | 58.2278% | 6,814 |
| Total domestic deposits to total assets | 76.3088% | 6,628 |
| Equity capital to assets | 9.4885% | 4,718 |
| Core capital (leverage) ratio | 9.7809% | 3,431 |
| Tier 1 risk-based capital ratio | 15.8057% | 2,758 |
| Total risk-based capital ratio | 16.3519% | 3,066 |
| Memoranda: | ||
| Average total assets | $159,013,670 | 3,809 |
| Average earning assets | $148,383,330 | 3,733 |
| Average equity | $14,805,670 | 4,030 |
| Average total loans | $70,046,000 | 4,792 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 6,027 |
| Cost of funding earning assets | 2.2260% | 545 |
| Net interest margin | 2.5374% | 7,442 |
| Noninterest income to average assets | 0.7167% | 2,492 |
| Noninterest expense to average assets | 2.6019% | 5,352 |
| Loan and lease loss provision to assets | 0.1338% | 5,225 |
| Net operating income to assets | 0.4366% | 4,681 |
| Return on assets (ROA) | 0.4366% | 4,811 |
| Pretax return on assets | 0.3457% | 5,474 |
| Return on Equity (ROE) | 4.7347% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.7347% | 3,305 |
| Net charge-offs to loans | 0.0801% | 4,618 |
| Credit loss provision to net charge-offs | 378.5714% | 1,064 |
| Earnings coverage of net charge-offs (x) | 13.5714% | 1,487 |
| Efficiency ratio | 84.4390% | 1,982 |
| Assets per employee ($millions) | 4.7208% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6982% | 7,339 |
| Loan loss allowance to noncurrent loans | 45.2778% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 4,730 |
| Noncurrent loans to loans | 1.5420% | 4,434 |
| Net loans and leases to total assets | 43.3324% | 7,041 |
| Net loans and leases to deposits | 57.6602% | 6,643 |
| Net loans and leases to core deposits | 58.6531% | 6,839 |
| Total domestic deposits to total assets | 75.1514% | 6,881 |
| Equity capital to assets | 9.1447% | 5,072 |
| Core capital (leverage) ratio | 9.7238% | 3,483 |
| Tier 1 risk-based capital ratio | 15.8641% | 2,702 |
| Total risk-based capital ratio | 16.3691% | 3,015 |
| Memoranda: | ||
| Average total assets | $158,497,000 | 3,875 |
| Average earning assets | $147,709,000 | 3,808 |
| Average equity | $14,615,500 | 4,092 |
| Average total loans | $69,901,000 | 4,866 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9867% | 6,479 |
| Cost of funding earning assets | 2.4551% | 1,134 |
| Net interest margin | 2.5316% | 7,391 |
| Noninterest income to average assets | 0.7741% | 2,543 |
| Noninterest expense to average assets | 2.6582% | 5,565 |
| Loan and lease loss provision to assets | 0.1794% | 5,909 |
| Net operating income to assets | 0.4205% | 4,047 |
| Return on assets (ROA) | 0.4205% | 4,150 |
| Pretax return on assets | 0.3009% | 4,757 |
| Return on Equity (ROE) | 4.3329% | 3,950 |
| Retained earnings to average equity (ytd only) | 0.5157% | 4,621 |
| Net charge-offs to loans | 0.4952% | 3,787 |
| Credit loss provision to net charge-offs | 79.5389% | 6,289 |
| Earnings coverage of net charge-offs (x) | 2.1297% | 4,132 |
| Efficiency ratio | 84.6966% | 2,272 |
| Assets per employee ($millions) | 4.6025% | 2,763 |
| Cash dividends to net income (ytd only)* | 88.0989% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6451% | 7,480 |
| Loan loss allowance to noncurrent loans | 57.5448% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 4,991 |
| Noncurrent loans to loans | 1.1210% | 5,090 |
| Net loans and leases to total assets | 44.2921% | 7,103 |
| Net loans and leases to deposits | 58.5135% | 6,747 |
| Net loans and leases to core deposits | 72.2735% | 6,643 |
| Total domestic deposits to total assets | 75.6956% | 6,740 |
| Equity capital to assets | 9.2999% | 4,698 |
| Core capital (leverage) ratio | 9.9076% | 3,184 |
| Tier 1 risk-based capital ratio | 15.9782% | 2,534 |
| Total risk-based capital ratio | 16.4516% | 2,804 |
| Memoranda: | ||
| Average total assets | $153,861,400 | 3,901 |
| Average earning assets | $143,703,400 | 3,822 |
| Average equity | $14,932,200 | 4,072 |
| Average total loans | $70,075,800 | 4,863 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 6,460 |
| Cost of funding earning assets | 2.4908% | 1,331 |
| Net interest margin | 2.5550% | 7,399 |
| Noninterest income to average assets | 0.8416% | 2,239 |
| Noninterest expense to average assets | 2.6595% | 5,493 |
| Loan and lease loss provision to assets | 0.0966% | 6,400 |
| Net operating income to assets | 0.5309% | 3,857 |
| Return on assets (ROA) | 0.5309% | 3,948 |
| Pretax return on assets | 0.4734% | 4,600 |
| Return on Equity (ROE) | 5.4123% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.4123% | 2,249 |
| Net charge-offs to loans | 0.4067% | 3,630 |
| Credit loss provision to net charge-offs | 51.8692% | 6,282 |
| Earnings coverage of net charge-offs (x) | 3.0607% | 3,699 |
| Efficiency ratio | 82.3498% | 2,532 |
| Assets per employee ($millions) | 4.5262% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5985% | 7,584 |
| Loan loss allowance to noncurrent loans | 69.4352% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 5,103 |
| Noncurrent loans to loans | 0.8620% | 5,569 |
| Net loans and leases to total assets | 45.1109% | 7,168 |
| Net loans and leases to deposits | 61.8563% | 6,688 |
| Net loans and leases to core deposits | 76.1356% | 6,605 |
| Total domestic deposits to total assets | 72.9284% | 7,094 |
| Equity capital to assets | 9.8511% | 4,283 |
| Core capital (leverage) ratio | 10.3002% | 2,974 |
| Tier 1 risk-based capital ratio | 16.8069% | 2,330 |
| Total risk-based capital ratio | 17.2537% | 2,559 |
| Memoranda: | ||
| Average total assets | $153,205,250 | 3,928 |
| Average earning assets | $143,192,000 | 3,860 |
| Average equity | $15,027,000 | 4,092 |
| Average total loans | $70,154,500 | 4,904 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 6,380 |
| Cost of funding earning assets | 2.5255% | 1,525 |
| Net interest margin | 2.5871% | 7,373 |
| Noninterest income to average assets | 0.8576% | 2,152 |
| Noninterest expense to average assets | 2.5756% | 5,833 |
| Loan and lease loss provision to assets | 0.1320% | 5,773 |
| Net operating income to assets | 0.5870% | 3,733 |
| Return on assets (ROA) | 0.5870% | 3,840 |
| Pretax return on assets | 0.5635% | 4,431 |
| Return on Equity (ROE) | 5.9936% | 3,652 |
| Retained earnings to average equity (ytd only) | 5.9936% | 2,025 |
| Net charge-offs to loans | 0.4811% | 2,908 |
| Credit loss provision to net charge-offs | 59.7633% | 5,596 |
| Earnings coverage of net charge-offs (x) | 3.1479% | 3,545 |
| Efficiency ratio | 78.7370% | 3,228 |
| Assets per employee ($millions) | 4.4631% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6524% | 7,543 |
| Loan loss allowance to noncurrent loans | 89.5257% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 5,154 |
| Noncurrent loans to loans | 0.7288% | 5,784 |
| Net loans and leases to total assets | 45.4566% | 7,235 |
| Net loans and leases to deposits | 61.7942% | 6,744 |
| Net loans and leases to core deposits | 75.0767% | 6,728 |
| Total domestic deposits to total assets | 73.5613% | 7,030 |
| Equity capital to assets | 9.8836% | 4,099 |
| Core capital (leverage) ratio | 10.3380% | 2,963 |
| Tier 1 risk-based capital ratio | 17.1560% | 2,250 |
| Total risk-based capital ratio | 17.6554% | 2,428 |
| Memoranda: | ||
| Average total assets | $152,976,330 | 3,951 |
| Average earning assets | $142,705,670 | 3,883 |
| Average equity | $14,982,670 | 4,117 |
| Average total loans | $70,259,330 | 4,951 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1976% | 6,303 |
| Cost of funding earning assets | 2.5431% | 1,760 |
| Net interest margin | 2.6545% | 7,286 |
| Noninterest income to average assets | 0.8125% | 2,269 |
| Noninterest expense to average assets | 2.5522% | 5,641 |
| Loan and lease loss provision to assets | 0.2630% | 3,854 |
| Net operating income to assets | 0.4792% | 4,524 |
| Return on assets (ROA) | 0.4792% | 4,709 |
| Pretax return on assets | 0.4792% | 5,138 |
| Return on Equity (ROE) | 4.9149% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.9149% | 3,176 |
| Net charge-offs to loans | 0.6509% | 1,880 |
| Credit loss provision to net charge-offs | 87.8261% | 4,046 |
| Earnings coverage of net charge-offs (x) | 2.4783% | 3,504 |
| Efficiency ratio | 77.4704% | 3,259 |
| Assets per employee ($millions) | 4.3984% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 7,377 |
| Loan loss allowance to noncurrent loans | 105.4054% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 5,022 |
| Noncurrent loans to loans | 0.6868% | 5,688 |
| Net loans and leases to total assets | 45.1661% | 7,250 |
| Net loans and leases to deposits | 62.0261% | 6,738 |
| Net loans and leases to core deposits | 74.8318% | 6,756 |
| Total domestic deposits to total assets | 72.8179% | 7,079 |
| Equity capital to assets | 9.7322% | 4,329 |
| Core capital (leverage) ratio | 10.1478% | 3,243 |
| Tier 1 risk-based capital ratio | 16.7484% | 2,425 |
| Total risk-based capital ratio | 17.3035% | 2,612 |
| Memoranda: | ||
| Average total assets | $153,591,000 | 3,948 |
| Average earning assets | $143,604,000 | 3,880 |
| Average equity | $14,975,000 | 4,150 |
| Average total loans | $70,673,000 | 4,960 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9920% | 5,579 |
| Cost of funding earning assets | 2.9788% | 1,943 |
| Net interest margin | 3.0131% | 6,879 |
| Noninterest income to average assets | 0.8556% | 2,194 |
| Noninterest expense to average assets | 2.4732% | 6,116 |
| Loan and lease loss provision to assets | 0.1112% | 5,947 |
| Net operating income to assets | 0.9210% | 2,911 |
| Return on assets (ROA) | 0.9210% | 2,761 |
| Pretax return on assets | 1.0845% | 3,073 |
| Return on Equity (ROE) | 9.0667% | 2,620 |
| Retained earnings to average equity (ytd only) | -21.2500% | 7,710 |
| Net charge-offs to loans | 0.2296% | 3,946 |
| Credit loss provision to net charge-offs | 103.6585% | 5,162 |
| Earnings coverage of net charge-offs (x) | 11.1463% | 2,405 |
| Efficiency ratio | 67.4095% | 4,838 |
| Assets per employee ($millions) | 4.3783% | 2,829 |
| Cash dividends to net income (ytd only)* | 334.3750% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 7,351 |
| Loan loss allowance to noncurrent loans | 78.3459% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 4,539 |
| Noncurrent loans to loans | 0.9326% | 4,746 |
| Net loans and leases to total assets | 46.1945% | 7,311 |
| Net loans and leases to deposits | 63.9400% | 6,801 |
| Net loans and leases to core deposits | 76.7042% | 6,820 |
| Total domestic deposits to total assets | 72.2466% | 6,955 |
| Equity capital to assets | 9.7677% | 4,334 |
| Core capital (leverage) ratio | 10.0296% | 3,419 |
| Tier 1 risk-based capital ratio | 16.9275% | 2,332 |
| Total risk-based capital ratio | 17.5110% | 2,500 |
| Memoranda: | ||
| Average total assets | $152,876,400 | 3,848 |
| Average earning assets | $142,741,200 | 3,790 |
| Average equity | $15,529,400 | 4,020 |
| Average total loans | $71,438,400 | 4,813 |