Home > Clarion County Community Bank > Performance and Condition Ratios
Clarion County Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1887% | 1,689 |
| Cost of funding earning assets | 1.7112% | 1,426 |
| Net interest margin | 3.4775% | 2,239 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 3.2234% | 809 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.2036% | 4,161 |
| Return on assets (ROA) | 0.2008% | 4,174 |
| Pretax return on assets | 0.1957% | 4,204 |
| Return on Equity (ROE) | 2.7300% | 4,063 |
| Retained earnings to average equity (ytd only) | 0.4380% | 3,964 |
| Net charge-offs to loans | 0.0120% | 2,204 |
| Credit loss provision to net charge-offs | -95.2381% | 4,476 |
| Earnings coverage of net charge-offs (x) | 19.5714% | 1,896 |
| Efficiency ratio | 94.4534% | 291 |
| Assets per employee ($millions) | 4.5121% | 3,947 |
| Cash dividends to net income (ytd only)* | 83.9450% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 3,950 |
| Loan loss allowance to noncurrent loans | 252.3729% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 1,913 |
| Noncurrent loans to loans | 0.3192% | 2,042 |
| Net loans and leases to total assets | 81.2600% | 507 |
| Net loans and leases to deposits | 94.6112% | 895 |
| Net loans and leases to core deposits | 103.7169% | 1,234 |
| Total domestic deposits to total assets | 85.8900% | 2,057 |
| Equity capital to assets | 7.3251% | 3,806 |
| Core capital (leverage) ratio | 8.8061% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $217,131,800 | 2,862 |
| Average earning assets | $201,783,400 | 2,848 |
| Average equity | $15,982,600 | 3,184 |
| Average total loans | $175,624,400 | 2,485 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 1,650 |
| Cost of funding earning assets | 1.5267% | 1,539 |
| Net interest margin | 3.5641% | 2,079 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 3.2661% | 751 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.2282% | 4,202 |
| Return on assets (ROA) | 0.2245% | 4,218 |
| Pretax return on assets | 0.2239% | 4,228 |
| Return on Equity (ROE) | 3.0500% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.0458% | 3,493 |
| Net charge-offs to loans | -0.0277% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.6855% | 274 |
| Assets per employee ($millions) | 4.3287% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 3,839 |
| Loan loss allowance to noncurrent loans | 215.5340% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 1,717 |
| Noncurrent loans to loans | 0.4004% | 1,827 |
| Net loans and leases to total assets | 80.8600% | 559 |
| Net loans and leases to deposits | 93.6138% | 930 |
| Net loans and leases to core deposits | 103.9946% | 1,124 |
| Total domestic deposits to total assets | 86.3800% | 2,073 |
| Equity capital to assets | 6.9114% | 3,657 |
| Core capital (leverage) ratio | 9.1910% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $215,013,000 | 2,885 |
| Average earning assets | $199,730,250 | 2,878 |
| Average equity | $15,846,750 | 3,185 |
| Average total loans | $173,325,750 | 2,501 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 1,574 |
| Cost of funding earning assets | 1.3916% | 1,470 |
| Net interest margin | 3.6031% | 2,032 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 3.2633% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2505% | 4,231 |
| Return on assets (ROA) | 0.2450% | 4,258 |
| Pretax return on assets | 0.2487% | 4,277 |
| Return on Equity (ROE) | 3.2500% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.2538% | 3,411 |
| Net charge-offs to loans | -0.0234% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 92.7942% | 287 |
| Assets per employee ($millions) | 4.2932% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 3,810 |
| Loan loss allowance to noncurrent loans | 215.4381% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 1,580 |
| Noncurrent loans to loans | 0.4139% | 1,689 |
| Net loans and leases to total assets | 80.1900% | 609 |
| Net loans and leases to deposits | 91.8901% | 1,030 |
| Net loans and leases to core deposits | 100.6460% | 1,201 |
| Total domestic deposits to total assets | 87.2700% | 1,840 |
| Equity capital to assets | 7.5221% | 3,503 |
| Core capital (leverage) ratio | 9.3081% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $213,095,667 | 2,910 |
| Average earning assets | $198,050,667 | 2,901 |
| Average equity | $16,043,000 | 3,183 |
| Average total loans | $171,078,333 | 2,518 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 1,481 |
| Cost of funding earning assets | 1.1966% | 1,459 |
| Net interest margin | 3.6668% | 1,982 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 3.0935% | 947 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4216% | 4,053 |
| Return on assets (ROA) | 0.4107% | 4,020 |
| Pretax return on assets | 0.4277% | 4,089 |
| Return on Equity (ROE) | 5.4500% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.4531% | 2,903 |
| Net charge-offs to loans | -0.0353% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.8783% | 473 |
| Assets per employee ($millions) | 4.0714% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 3,780 |
| Loan loss allowance to noncurrent loans | 193.0693% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 1,353 |
| Noncurrent loans to loans | 0.4803% | 1,511 |
| Net loans and leases to total assets | 78.7200% | 682 |
| Net loans and leases to deposits | 89.6850% | 1,080 |
| Net loans and leases to core deposits | 97.9864% | 1,175 |
| Total domestic deposits to total assets | 87.7800% | 1,994 |
| Equity capital to assets | 7.7469% | 3,413 |
| Core capital (leverage) ratio | 9.3295% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $212,313,000 | 2,957 |
| Average earning assets | $197,559,000 | 2,942 |
| Average equity | $15,991,000 | 3,215 |
| Average total loans | $169,770,500 | 2,546 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 835 |
| Cost of funding earning assets | 0.6864% | 621 |
| Net interest margin | 3.7431% | 1,280 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.7242% | 1,503 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.7565% | 3,466 |
| Return on assets (ROA) | 0.7553% | 3,409 |
| Pretax return on assets | 0.8899% | 3,392 |
| Return on Equity (ROE) | 9.4000% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.0236% | 2,234 |
| Net charge-offs to loans | 0.0553% | 1,108 |
| Credit loss provision to net charge-offs | 200.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 22.7444% | 1,829 |
| Efficiency ratio | 73.5973% | 1,260 |
| Assets per employee ($millions) | 4.7314% | 3,867 |
| Cash dividends to net income (ytd only)* | 25.2845% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 3,893 |
| Loan loss allowance to noncurrent loans | 171.9953% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 1,275 |
| Noncurrent loans to loans | 0.5003% | 1,447 |
| Net loans and leases to total assets | 79.7700% | 623 |
| Net loans and leases to deposits | 89.5861% | 1,081 |
| Net loans and leases to core deposits | 96.6356% | 1,167 |
| Total domestic deposits to total assets | 89.0400% | 1,705 |
| Equity capital to assets | 7.3179% | 3,481 |
| Core capital (leverage) ratio | 9.2597% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $209,454,000 | 2,981 |
| Average earning assets | $196,254,000 | 2,965 |
| Average equity | $16,829,000 | 3,217 |
| Average total loans | $162,874,400 | 2,518 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 738 |
| Cost of funding earning assets | 0.6263% | 383 |
| Net interest margin | 3.6731% | 1,210 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.6961% | 1,483 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.7290% | 3,482 |
| Return on assets (ROA) | 0.7274% | 3,436 |
| Pretax return on assets | 0.8521% | 3,467 |
| Return on Equity (ROE) | 8.8500% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.8518% | 1,703 |
| Net charge-offs to loans | 0.0083% | 1,834 |
| Credit loss provision to net charge-offs | 1,350.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 147.1000% | 758 |
| Efficiency ratio | 74.1431% | 1,260 |
| Assets per employee ($millions) | 4.8021% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 3,899 |
| Loan loss allowance to noncurrent loans | 150.9000% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 1,141 |
| Noncurrent loans to loans | 0.5871% | 1,369 |
| Net loans and leases to total assets | 79.9000% | 536 |
| Net loans and leases to deposits | 88.8839% | 972 |
| Net loans and leases to core deposits | 96.5153% | 978 |
| Total domestic deposits to total assets | 89.8900% | 1,714 |
| Equity capital to assets | 7.3505% | 3,301 |
| Core capital (leverage) ratio | 9.2553% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $208,588,750 | 3,010 |
| Average earning assets | $195,652,500 | 2,981 |
| Average equity | $17,141,000 | 3,232 |
| Average total loans | $160,764,500 | 2,543 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 734 |
| Cost of funding earning assets | 0.5750% | 336 |
| Net interest margin | 3.5515% | 1,178 |
| Noninterest income to average assets | 0.1849% | 4,081 |
| Noninterest expense to average assets | 2.6598% | 1,483 |
| Loan and lease loss provision to assets | 0.0867% | 1,143 |
| Net operating income to assets | 0.6698% | 3,416 |
| Return on assets (ROA) | 0.6673% | 3,368 |
| Pretax return on assets | 0.7723% | 3,396 |
| Return on Equity (ROE) | 7.8404% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.8404% | 1,677 |
| Net charge-offs to loans | 0.0178% | 1,384 |
| Credit loss provision to net charge-offs | 642.8571% | 539 |
| Earnings coverage of net charge-offs (x) | 63.9286% | 1,048 |
| Efficiency ratio | 75.5264% | 1,331 |
| Assets per employee ($millions) | 4.8526% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 3,947 |
| Loan loss allowance to noncurrent loans | 155.1541% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 1,254 |
| Noncurrent loans to loans | 0.5816% | 1,454 |
| Net loans and leases to total assets | 76.8422% | 650 |
| Net loans and leases to deposits | 85.9086% | 981 |
| Net loans and leases to core deposits | 94.1277% | 904 |
| Total domestic deposits to total assets | 89.4465% | 1,975 |
| Equity capital to assets | 7.8276% | 3,247 |
| Core capital (leverage) ratio | 9.2909% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,688,000 | 3,045 |
| Average earning assets | $195,126,667 | 3,026 |
| Average equity | $17,677,667 | 3,264 |
| Average total loans | $157,579,333 | 2,570 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 681 |
| Cost of funding earning assets | 0.5596% | 349 |
| Net interest margin | 3.5009% | 1,089 |
| Noninterest income to average assets | 0.1757% | 4,122 |
| Noninterest expense to average assets | 2.5637% | 1,711 |
| Loan and lease loss provision to assets | 0.0869% | 957 |
| Net operating income to assets | 0.7124% | 3,012 |
| Return on assets (ROA) | 0.7259% | 2,947 |
| Pretax return on assets | 0.8378% | 2,985 |
| Return on Equity (ROE) | 8.1962% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.1962% | 1,522 |
| Net charge-offs to loans | -0.0103% | 3,600 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8188% | 1,759 |
| Assets per employee ($millions) | 4.8746% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 4,006 |
| Loan loss allowance to noncurrent loans | 321.3004% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 2,364 |
| Noncurrent loans to loans | 0.2842% | 2,454 |
| Net loans and leases to total assets | 74.1856% | 647 |
| Net loans and leases to deposits | 83.4854% | 922 |
| Net loans and leases to core deposits | 92.4731% | 795 |
| Total domestic deposits to total assets | 88.8606% | 2,141 |
| Equity capital to assets | 8.4176% | 3,225 |
| Core capital (leverage) ratio | 9.2064% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,202,000 | 3,058 |
| Average earning assets | $195,149,000 | 3,041 |
| Average equity | $18,350,000 | 3,291 |
| Average total loans | $155,469,500 | 2,590 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 975 |
| Cost of funding earning assets | 0.7369% | 274 |
| Net interest margin | 3.4737% | 1,813 |
| Noninterest income to average assets | 0.2313% | 3,997 |
| Noninterest expense to average assets | 2.6222% | 1,819 |
| Loan and lease loss provision to assets | 0.1191% | 1,048 |
| Net operating income to assets | 0.6707% | 3,696 |
| Return on assets (ROA) | 0.7113% | 3,653 |
| Pretax return on assets | 0.8215% | 3,681 |
| Return on Equity (ROE) | 7.6650% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.8838% | 2,412 |
| Net charge-offs to loans | 0.0126% | 2,089 |
| Credit loss provision to net charge-offs | 1,263.1579% | 443 |
| Earnings coverage of net charge-offs (x) | 94.7895% | 903 |
| Efficiency ratio | 74.5765% | 1,245 |
| Assets per employee ($millions) | 4.6545% | 3,998 |
| Cash dividends to net income (ytd only)* | 23.2380% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,068 |
| Loan loss allowance to noncurrent loans | 207.1856% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 1,933 |
| Noncurrent loans to loans | 0.4337% | 2,054 |
| Net loans and leases to total assets | 74.5244% | 624 |
| Net loans and leases to deposits | 84.7336% | 866 |
| Net loans and leases to core deposits | 94.4625% | 758 |
| Total domestic deposits to total assets | 87.9514% | 2,072 |
| Equity capital to assets | 9.3049% | 3,319 |
| Core capital (leverage) ratio | 9.2942% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,472,000 | 3,056 |
| Average earning assets | $190,518,000 | 3,025 |
| Average equity | $18,695,400 | 3,329 |
| Average total loans | $150,469,600 | 2,626 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 1,081 |
| Cost of funding earning assets | 0.7789% | 268 |
| Net interest margin | 3.4397% | 2,043 |
| Noninterest income to average assets | 0.2273% | 4,044 |
| Noninterest expense to average assets | 2.5963% | 1,845 |
| Loan and lease loss provision to assets | 0.1296% | 896 |
| Net operating income to assets | 0.6566% | 3,876 |
| Return on assets (ROA) | 0.7057% | 3,821 |
| Pretax return on assets | 0.8094% | 3,873 |
| Return on Equity (ROE) | 7.6106% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.6106% | 2,177 |
| Net charge-offs to loans | 0.0187% | 1,683 |
| Credit loss provision to net charge-offs | 928.5714% | 531 |
| Earnings coverage of net charge-offs (x) | 63.2381% | 1,113 |
| Efficiency ratio | 74.6323% | 1,161 |
| Assets per employee ($millions) | 4.4759% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,209 |
| Loan loss allowance to noncurrent loans | 189.9148% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 2,037 |
| Noncurrent loans to loans | 0.4621% | 2,174 |
| Net loans and leases to total assets | 74.9686% | 615 |
| Net loans and leases to deposits | 85.5329% | 857 |
| Net loans and leases to core deposits | 95.9223% | 749 |
| Total domestic deposits to total assets | 87.6489% | 2,031 |
| Equity capital to assets | 9.5053% | 3,362 |
| Core capital (leverage) ratio | 9.3163% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,641,000 | 3,094 |
| Average earning assets | $189,665,500 | 3,068 |
| Average equity | $18,605,250 | 3,377 |
| Average total loans | $149,585,250 | 2,675 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 1,178 |
| Cost of funding earning assets | 0.8237% | 261 |
| Net interest margin | 3.3846% | 2,188 |
| Noninterest income to average assets | 0.2186% | 4,100 |
| Noninterest expense to average assets | 2.5771% | 1,920 |
| Loan and lease loss provision to assets | 0.1347% | 912 |
| Net operating income to assets | 0.6223% | 3,936 |
| Return on assets (ROA) | 0.6627% | 3,912 |
| Pretax return on assets | 0.7516% | 3,967 |
| Return on Equity (ROE) | 7.2075% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.2075% | 2,355 |
| Net charge-offs to loans | -0.0108% | 3,697 |
| Credit loss provision to net charge-offs | -1,687.5000% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4089% | 1,137 |
| Assets per employee ($millions) | 4.6490% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,225 |
| Loan loss allowance to noncurrent loans | 231.9716% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 2,512 |
| Noncurrent loans to loans | 0.3763% | 2,551 |
| Net loans and leases to total assets | 74.1815% | 734 |
| Net loans and leases to deposits | 84.5134% | 1,026 |
| Net loans and leases to core deposits | 95.0140% | 858 |
| Total domestic deposits to total assets | 87.7748% | 1,944 |
| Equity capital to assets | 9.4049% | 3,422 |
| Core capital (leverage) ratio | 9.0744% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,383,000 | 3,096 |
| Average earning assets | $189,385,667 | 3,073 |
| Average equity | $18,425,333 | 3,388 |
| Average total loans | $148,668,667 | 2,699 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 1,412 |
| Cost of funding earning assets | 0.8689% | 259 |
| Net interest margin | 3.2226% | 2,626 |
| Noninterest income to average assets | 0.2054% | 4,153 |
| Noninterest expense to average assets | 2.5262% | 2,100 |
| Loan and lease loss provision to assets | 0.1495% | 872 |
| Net operating income to assets | 0.5264% | 4,125 |
| Return on assets (ROA) | 0.5264% | 4,162 |
| Pretax return on assets | 0.5762% | 4,226 |
| Return on Equity (ROE) | 5.7903% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.7903% | 2,969 |
| Net charge-offs to loans | -0.0162% | 3,891 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6824% | 975 |
| Assets per employee ($millions) | 4.6953% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 4,317 |
| Loan loss allowance to noncurrent loans | 163.8999% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 2,022 |
| Noncurrent loans to loans | 0.5136% | 2,318 |
| Net loans and leases to total assets | 72.5822% | 945 |
| Net loans and leases to deposits | 82.3760% | 1,310 |
| Net loans and leases to core deposits | 92.4229% | 1,091 |
| Total domestic deposits to total assets | 88.1108% | 1,785 |
| Equity capital to assets | 8.9922% | 3,696 |
| Core capital (leverage) ratio | 9.1178% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,621,000 | 3,085 |
| Average earning assets | $189,662,500 | 3,055 |
| Average equity | $18,237,500 | 3,402 |
| Average total loans | $148,203,000 | 2,714 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 1,134 |
| Cost of funding earning assets | 1.2017% | 275 |
| Net interest margin | 3.3783% | 2,839 |
| Noninterest income to average assets | 0.2574% | 3,937 |
| Noninterest expense to average assets | 2.8025% | 1,936 |
| Loan and lease loss provision to assets | 0.1319% | 2,715 |
| Net operating income to assets | 0.4526% | 4,134 |
| Return on assets (ROA) | 0.5570% | 3,979 |
| Pretax return on assets | 0.6214% | 4,036 |
| Return on Equity (ROE) | 5.9023% | 3,613 |
| Retained earnings to average equity (ytd only) | 4.2255% | 2,699 |
| Net charge-offs to loans | 0.0463% | 2,141 |
| Credit loss provision to net charge-offs | 384.6154% | 1,480 |
| Earnings coverage of net charge-offs (x) | 18.5846% | 2,017 |
| Efficiency ratio | 81.4752% | 781 |
| Assets per employee ($millions) | 4.7463% | 3,666 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 4,456 |
| Loan loss allowance to noncurrent loans | 205.4770% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 2,511 |
| Noncurrent loans to loans | 0.3808% | 2,841 |
| Net loans and leases to total assets | 73.9711% | 1,023 |
| Net loans and leases to deposits | 84.5826% | 1,403 |
| Net loans and leases to core deposits | 94.7643% | 1,194 |
| Total domestic deposits to total assets | 87.4544% | 1,724 |
| Equity capital to assets | 9.1901% | 3,898 |
| Core capital (leverage) ratio | 9.0204% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,578,600 | 3,032 |
| Average earning assets | $178,580,000 | 3,013 |
| Average equity | $17,891,400 | 3,375 |
| Average total loans | $140,516,400 | 2,747 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 1,201 |
| Cost of funding earning assets | 1.2691% | 281 |
| Net interest margin | 3.3718% | 2,996 |
| Noninterest income to average assets | 0.2266% | 4,138 |
| Noninterest expense to average assets | 2.7922% | 1,989 |
| Loan and lease loss provision to assets | 0.1352% | 2,662 |
| Net operating income to assets | 0.4197% | 4,222 |
| Return on assets (ROA) | 0.5294% | 4,051 |
| Pretax return on assets | 0.5949% | 4,110 |
| Return on Equity (ROE) | 5.5703% | 3,699 |
| Retained earnings to average equity (ytd only) | 5.5703% | 2,295 |
| Net charge-offs to loans | 0.0424% | 2,017 |
| Credit loss provision to net charge-offs | 431.8182% | 1,401 |
| Earnings coverage of net charge-offs (x) | 19.3636% | 1,936 |
| Efficiency ratio | 82.1421% | 728 |
| Assets per employee ($millions) | 4.4925% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 4,377 |
| Loan loss allowance to noncurrent loans | 189.8649% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 2,390 |
| Noncurrent loans to loans | 0.4163% | 2,810 |
| Net loans and leases to total assets | 73.0369% | 1,496 |
| Net loans and leases to deposits | 83.8770% | 1,925 |
| Net loans and leases to core deposits | 94.6570% | 1,579 |
| Total domestic deposits to total assets | 87.0762% | 1,636 |
| Equity capital to assets | 9.4384% | 3,732 |
| Core capital (leverage) ratio | 9.1322% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,137,250 | 3,035 |
| Average earning assets | $176,081,750 | 3,015 |
| Average equity | $17,784,250 | 3,385 |
| Average total loans | $138,490,500 | 2,773 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,436 |
| Cost of funding earning assets | 1.3201% | 333 |
| Net interest margin | 3.3685% | 3,194 |
| Noninterest income to average assets | 0.1772% | 4,406 |
| Noninterest expense to average assets | 2.7387% | 2,260 |
| Loan and lease loss provision to assets | 0.1404% | 2,610 |
| Net operating income to assets | 0.4268% | 4,174 |
| Return on assets (ROA) | 0.4278% | 4,236 |
| Pretax return on assets | 0.4667% | 4,308 |
| Return on Equity (ROE) | 4.4912% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.4912% | 2,708 |
| Net charge-offs to loans | 0.0641% | 1,604 |
| Credit loss provision to net charge-offs | 295.4545% | 1,633 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 2,034 |
| Efficiency ratio | 81.8798% | 760 |
| Assets per employee ($millions) | 4.6065% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 4,424 |
| Loan loss allowance to noncurrent loans | 156.2408% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 2,328 |
| Noncurrent loans to loans | 0.4906% | 2,681 |
| Net loans and leases to total assets | 71.1943% | 1,843 |
| Net loans and leases to deposits | 81.5373% | 2,254 |
| Net loans and leases to core deposits | 93.3211% | 1,802 |
| Total domestic deposits to total assets | 87.3150% | 1,489 |
| Equity capital to assets | 9.3011% | 3,828 |
| Core capital (leverage) ratio | 9.1083% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,123,333 | 3,038 |
| Average earning assets | $174,082,333 | 3,014 |
| Average equity | $17,634,667 | 3,401 |
| Average total loans | $137,248,667 | 2,781 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 1,277 |
| Cost of funding earning assets | 1.3761% | 439 |
| Net interest margin | 3.4897% | 3,015 |
| Noninterest income to average assets | 0.1923% | 4,399 |
| Noninterest expense to average assets | 2.7809% | 2,483 |
| Loan and lease loss provision to assets | 0.1547% | 1,854 |
| Net operating income to assets | 0.4755% | 3,956 |
| Return on assets (ROA) | 0.4775% | 4,005 |
| Pretax return on assets | 0.5327% | 4,067 |
| Return on Equity (ROE) | 4.9500% | 3,650 |
| Retained earnings to average equity (ytd only) | 4.9500% | 2,294 |
| Net charge-offs to loans | 0.0352% | 1,711 |
| Credit loss provision to net charge-offs | 583.3333% | 808 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,273 |
| Efficiency ratio | 80.2296% | 1,116 |
| Assets per employee ($millions) | 4.6628% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 4,532 |
| Loan loss allowance to noncurrent loans | 196.9582% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 2,528 |
| Noncurrent loans to loans | 0.3788% | 3,131 |
| Net loans and leases to total assets | 73.9029% | 1,622 |
| Net loans and leases to deposits | 87.6007% | 1,797 |
| Net loans and leases to core deposits | 101.0750% | 1,394 |
| Total domestic deposits to total assets | 84.3634% | 2,646 |
| Equity capital to assets | 9.4745% | 4,242 |
| Core capital (leverage) ratio | 9.6043% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,949,000 | 3,039 |
| Average earning assets | $169,755,000 | 3,026 |
| Average equity | $17,454,500 | 3,425 |
| Average total loans | $136,470,500 | 2,761 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 1,353 |
| Cost of funding earning assets | 1.3257% | 714 |
| Net interest margin | 3.7198% | 2,753 |
| Noninterest income to average assets | 0.1912% | 4,523 |
| Noninterest expense to average assets | 2.9696% | 2,098 |
| Loan and lease loss provision to assets | 0.1882% | 1,091 |
| Net operating income to assets | 0.4769% | 4,458 |
| Return on assets (ROA) | 0.4894% | 4,477 |
| Pretax return on assets | 0.5385% | 4,510 |
| Return on Equity (ROE) | 4.8359% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.3597% | 3,330 |
| Net charge-offs to loans | 0.2147% | 954 |
| Credit loss provision to net charge-offs | 114.1304% | 2,202 |
| Earnings coverage of net charge-offs (x) | 4.3225% | 3,228 |
| Efficiency ratio | 80.6394% | 891 |
| Assets per employee ($millions) | 4.3847% | 3,398 |
| Cash dividends to net income (ytd only)* | 30.5250% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 4,511 |
| Loan loss allowance to noncurrent loans | 194.0476% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 2,368 |
| Noncurrent loans to loans | 0.3759% | 3,095 |
| Net loans and leases to total assets | 75.8836% | 1,434 |
| Net loans and leases to deposits | 87.7584% | 1,881 |
| Net loans and leases to core deposits | 101.3255% | 1,459 |
| Total domestic deposits to total assets | 86.4688% | 1,859 |
| Equity capital to assets | 9.8286% | 4,079 |
| Core capital (leverage) ratio | 9.7531% | 3,786 |
| Tier 1 risk-based capital ratio | 10.7596% | 4,944 |
| Total risk-based capital ratio | 11.3761% | 5,057 |
| Memoranda: | ||
| Average total assets | $167,331,600 | 3,131 |
| Average earning assets | $157,050,800 | 3,112 |
| Average equity | $16,935,800 | 3,445 |
| Average total loans | $128,555,600 | 2,838 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 1,370 |
| Cost of funding earning assets | 1.2901% | 810 |
| Net interest margin | 3.7749% | 2,666 |
| Noninterest income to average assets | 0.2299% | 4,359 |
| Noninterest expense to average assets | 2.9357% | 2,141 |
| Loan and lease loss provision to assets | 0.1936% | 919 |
| Net operating income to assets | 0.5773% | 4,351 |
| Return on assets (ROA) | 0.5758% | 4,406 |
| Pretax return on assets | 0.6412% | 4,465 |
| Return on Equity (ROE) | 5.6463% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.6463% | 2,540 |
| Net charge-offs to loans | 0.0870% | 1,607 |
| Credit loss provision to net charge-offs | 289.1566% | 972 |
| Earnings coverage of net charge-offs (x) | 12.4944% | 2,353 |
| Efficiency ratio | 77.8277% | 1,122 |
| Assets per employee ($millions) | 4.4495% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 4,271 |
| Loan loss allowance to noncurrent loans | 178.2114% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 2,721 |
| Noncurrent loans to loans | 0.4721% | 2,884 |
| Net loans and leases to total assets | 74.4417% | 1,724 |
| Net loans and leases to deposits | 86.4703% | 2,137 |
| Net loans and leases to core deposits | 98.8219% | 1,759 |
| Total domestic deposits to total assets | 86.0894% | 1,954 |
| Equity capital to assets | 10.0583% | 3,958 |
| Core capital (leverage) ratio | 10.1553% | 3,470 |
| Tier 1 risk-based capital ratio | 10.9638% | 4,924 |
| Total risk-based capital ratio | 11.6618% | 5,030 |
| Memoranda: | ||
| Average total assets | $165,317,750 | 3,184 |
| Average earning assets | $155,126,500 | 3,166 |
| Average equity | $16,860,250 | 3,473 |
| Average total loans | $127,177,500 | 2,889 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 1,284 |
| Cost of funding earning assets | 1.2463% | 877 |
| Net interest margin | 3.8294% | 2,482 |
| Noninterest income to average assets | 0.2239% | 4,405 |
| Noninterest expense to average assets | 2.9635% | 2,098 |
| Loan and lease loss provision to assets | 0.2030% | 841 |
| Net operating income to assets | 0.5784% | 4,364 |
| Return on assets (ROA) | 0.5806% | 4,395 |
| Pretax return on assets | 0.6544% | 4,436 |
| Return on Equity (ROE) | 5.6655% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.6655% | 2,438 |
| Net charge-offs to loans | 0.0713% | 1,650 |
| Credit loss provision to net charge-offs | 366.6667% | 776 |
| Earnings coverage of net charge-offs (x) | 15.4444% | 1,987 |
| Efficiency ratio | 77.6095% | 1,202 |
| Assets per employee ($millions) | 4.1268% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 4,355 |
| Loan loss allowance to noncurrent loans | 168.8995% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 2,425 |
| Noncurrent loans to loans | 0.4868% | 2,822 |
| Net loans and leases to total assets | 77.3791% | 1,331 |
| Net loans and leases to deposits | 90.2457% | 1,710 |
| Net loans and leases to core deposits | 101.9865% | 1,555 |
| Total domestic deposits to total assets | 85.7427% | 2,162 |
| Equity capital to assets | 10.3694% | 3,633 |
| Core capital (leverage) ratio | 10.3631% | 3,231 |
| Tier 1 risk-based capital ratio | 11.1747% | 4,843 |
| Total risk-based capital ratio | 11.8720% | 4,977 |
| Memoranda: | ||
| Average total assets | $162,580,670 | 3,230 |
| Average earning assets | $152,609,670 | 3,202 |
| Average equity | $16,662,330 | 3,499 |
| Average total loans | $126,145,330 | 2,914 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 1,242 |
| Cost of funding earning assets | 1.1890% | 934 |
| Net interest margin | 3.8491% | 2,348 |
| Noninterest income to average assets | 0.2008% | 4,555 |
| Noninterest expense to average assets | 2.9355% | 2,171 |
| Loan and lease loss provision to assets | 0.2231% | 697 |
| Net operating income to assets | 0.5848% | 4,285 |
| Return on assets (ROA) | 0.5826% | 4,329 |
| Pretax return on assets | 0.6595% | 4,397 |
| Return on Equity (ROE) | 5.7195% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.7195% | 2,584 |
| Net charge-offs to loans | -0.0737% | 4,950 |
| Credit loss provision to net charge-offs | -391.3043% | 3,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8332% | 1,402 |
| Assets per employee ($millions) | 4.3925% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,401 |
| Loan loss allowance to noncurrent loans | 133.5025% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 2,325 |
| Noncurrent loans to loans | 0.6263% | 2,447 |
| Net loans and leases to total assets | 76.7661% | 1,355 |
| Net loans and leases to deposits | 89.4395% | 1,695 |
| Net loans and leases to core deposits | 99.8064% | 1,641 |
| Total domestic deposits to total assets | 85.8301% | 2,347 |
| Equity capital to assets | 10.2442% | 3,580 |
| Core capital (leverage) ratio | 10.3298% | 3,245 |
| Tier 1 risk-based capital ratio | 11.1051% | 4,927 |
| Total risk-based capital ratio | 11.8032% | 5,066 |
| Memoranda: | ||
| Average total assets | $161,334,500 | 3,285 |
| Average earning assets | $151,722,000 | 3,250 |
| Average equity | $16,435,000 | 3,541 |
| Average total loans | $124,822,500 | 2,964 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 1,179 |
| Cost of funding earning assets | 0.9541% | 911 |
| Net interest margin | 3.9879% | 2,025 |
| Noninterest income to average assets | 0.1973% | 4,721 |
| Noninterest expense to average assets | 2.9140% | 2,306 |
| Loan and lease loss provision to assets | 0.1999% | 948 |
| Net operating income to assets | 0.7262% | 4,052 |
| Return on assets (ROA) | 0.7252% | 4,061 |
| Pretax return on assets | 0.8584% | 4,016 |
| Return on Equity (ROE) | 7.2850% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.7999% | 2,293 |
| Net charge-offs to loans | 0.4914% | 365 |
| Credit loss provision to net charge-offs | 50.4808% | 3,183 |
| Earnings coverage of net charge-offs (x) | 2.6763% | 3,499 |
| Efficiency ratio | 73.3355% | 1,713 |
| Assets per employee ($millions) | 4.2144% | 3,595 |
| Cash dividends to net income (ytd only)* | 20.3850% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 4,655 |
| Loan loss allowance to noncurrent loans | 126.5499% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 2,320 |
| Noncurrent loans to loans | 0.5992% | 2,485 |
| Net loans and leases to total assets | 76.7371% | 1,480 |
| Net loans and leases to deposits | 90.0467% | 1,797 |
| Net loans and leases to core deposits | 98.9254% | 1,799 |
| Total domestic deposits to total assets | 85.2193% | 2,548 |
| Equity capital to assets | 10.1288% | 3,544 |
| Core capital (leverage) ratio | 10.2826% | 3,266 |
| Tier 1 risk-based capital ratio | 11.4280% | 4,757 |
| Total risk-based capital ratio | 12.0784% | 4,941 |
| Memoranda: | ||
| Average total assets | $157,618,000 | 3,309 |
| Average earning assets | $149,251,600 | 3,253 |
| Average equity | $15,689,800 | 3,549 |
| Average total loans | $126,995,200 | 2,912 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 1,207 |
| Cost of funding earning assets | 0.9184% | 849 |
| Net interest margin | 3.9641% | 2,074 |
| Noninterest income to average assets | 0.1996% | 4,777 |
| Noninterest expense to average assets | 2.8826% | 2,362 |
| Loan and lease loss provision to assets | 0.1529% | 1,287 |
| Net operating income to assets | 0.7718% | 4,001 |
| Return on assets (ROA) | 0.7703% | 4,020 |
| Pretax return on assets | 0.9164% | 3,958 |
| Return on Equity (ROE) | 7.7733% | 3,637 |
| Retained earnings to average equity (ytd only) | 7.7733% | 1,756 |
| Net charge-offs to loans | 0.2035% | 831 |
| Credit loss provision to net charge-offs | 92.3077% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.4667% | 2,884 |
| Efficiency ratio | 72.9108% | 1,749 |
| Assets per employee ($millions) | 4.0903% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 3,982 |
| Loan loss allowance to noncurrent loans | 97.0102% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 1,647 |
| Noncurrent loans to loans | 0.9935% | 1,712 |
| Net loans and leases to total assets | 79.4267% | 1,104 |
| Net loans and leases to deposits | 95.0688% | 1,264 |
| Net loans and leases to core deposits | 104.4672% | 1,422 |
| Total domestic deposits to total assets | 83.5465% | 3,103 |
| Equity capital to assets | 9.9572% | 3,690 |
| Core capital (leverage) ratio | 10.2853% | 3,308 |
| Tier 1 risk-based capital ratio | 11.1904% | 4,948 |
| Total risk-based capital ratio | 12.0268% | 5,044 |
| Memoranda: | ||
| Average total assets | $156,985,500 | 3,344 |
| Average earning assets | $148,665,750 | 3,290 |
| Average equity | $15,557,000 | 3,586 |
| Average total loans | $127,786,000 | 2,930 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 1,173 |
| Cost of funding earning assets | 0.8679% | 838 |
| Net interest margin | 3.9639% | 1,986 |
| Noninterest income to average assets | 0.2088% | 4,764 |
| Noninterest expense to average assets | 2.9205% | 2,290 |
| Loan and lease loss provision to assets | 0.1537% | 1,226 |
| Net operating income to assets | 0.7468% | 4,044 |
| Return on assets (ROA) | 0.7468% | 4,046 |
| Pretax return on assets | 0.8902% | 3,989 |
| Return on Equity (ROE) | 7.5479% | 3,699 |
| Retained earnings to average equity (ytd only) | 7.5479% | 1,821 |
| Net charge-offs to loans | 0.0438% | 1,987 |
| Credit loss provision to net charge-offs | 428.5714% | 779 |
| Earnings coverage of net charge-offs (x) | 29.1071% | 1,537 |
| Efficiency ratio | 73.6672% | 1,754 |
| Assets per employee ($millions) | 4.0664% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,493 |
| Loan loss allowance to noncurrent loans | 91.8437% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 1,526 |
| Noncurrent loans to loans | 1.1514% | 1,514 |
| Net loans and leases to total assets | 81.1354% | 835 |
| Net loans and leases to deposits | 94.3917% | 1,311 |
| Net loans and leases to core deposits | 103.2251% | 1,463 |
| Total domestic deposits to total assets | 85.9560% | 2,302 |
| Equity capital to assets | 9.9876% | 3,635 |
| Core capital (leverage) ratio | 10.3205% | 3,222 |
| Tier 1 risk-based capital ratio | 11.0802% | 5,014 |
| Total risk-based capital ratio | 11.9982% | 5,067 |
| Memoranda: | ||
| Average total assets | $156,140,000 | 3,368 |
| Average earning assets | $147,935,330 | 3,316 |
| Average equity | $15,448,000 | 3,620 |
| Average total loans | $127,736,000 | 2,942 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 1,147 |
| Cost of funding earning assets | 0.8413% | 795 |
| Net interest margin | 3.9269% | 1,941 |
| Noninterest income to average assets | 0.1962% | 4,844 |
| Noninterest expense to average assets | 2.9029% | 2,361 |
| Loan and lease loss provision to assets | 0.1529% | 1,184 |
| Net operating income to assets | 0.7289% | 3,988 |
| Return on assets (ROA) | 0.7289% | 3,995 |
| Pretax return on assets | 0.8640% | 3,967 |
| Return on Equity (ROE) | 7.4019% | 3,633 |
| Retained earnings to average equity (ytd only) | 7.4019% | 2,104 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0572% | 1,894 |
| Assets per employee ($millions) | 3.9149% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,820 |
| Loan loss allowance to noncurrent loans | 103.0733% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 1,959 |
| Noncurrent loans to loans | 0.9938% | 1,836 |
| Net loans and leases to total assets | 80.7104% | 831 |
| Net loans and leases to deposits | 93.7639% | 1,244 |
| Net loans and leases to core deposits | 102.1837% | 1,510 |
| Total domestic deposits to total assets | 86.0783% | 2,515 |
| Equity capital to assets | 9.8565% | 3,744 |
| Core capital (leverage) ratio | 10.0859% | 3,442 |
| Tier 1 risk-based capital ratio | 10.8623% | 5,213 |
| Total risk-based capital ratio | 11.7573% | 5,259 |
| Memoranda: | ||
| Average total assets | $156,949,000 | 3,397 |
| Average earning assets | $148,818,000 | 3,351 |
| Average equity | $15,455,500 | 3,652 |
| Average total loans | $128,248,000 | 2,956 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,259 |
| Cost of funding earning assets | 0.7561% | 799 |
| Net interest margin | 3.9142% | 2,046 |
| Noninterest income to average assets | 0.2599% | 4,579 |
| Noninterest expense to average assets | 3.1034% | 1,850 |
| Loan and lease loss provision to assets | 0.1599% | 1,401 |
| Net operating income to assets | 0.3904% | 4,726 |
| Return on assets (ROA) | 0.3938% | 4,727 |
| Pretax return on assets | 0.7137% | 4,478 |
| Return on Equity (ROE) | 3.8559% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.5511% | 3,797 |
| Net charge-offs to loans | 0.0714% | 2,428 |
| Credit loss provision to net charge-offs | 275.8621% | 1,010 |
| Earnings coverage of net charge-offs (x) | 14.9770% | 2,280 |
| Efficiency ratio | 78.1376% | 1,329 |
| Assets per employee ($millions) | 3.9325% | 4,071 |
| Cash dividends to net income (ytd only)* | 33.8409% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 4,108 |
| Loan loss allowance to noncurrent loans | 104.1736% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 2,053 |
| Noncurrent loans to loans | 0.9301% | 1,918 |
| Net loans and leases to total assets | 81.0866% | 821 |
| Net loans and leases to deposits | 94.7566% | 1,196 |
| Net loans and leases to core deposits | 103.3153% | 1,462 |
| Total domestic deposits to total assets | 85.5735% | 2,622 |
| Equity capital to assets | 9.8385% | 3,880 |
| Core capital (leverage) ratio | 9.9347% | 3,536 |
| Tier 1 risk-based capital ratio | 10.7197% | 5,289 |
| Total risk-based capital ratio | 11.5778% | 5,357 |
| Memoranda: | ||
| Average total assets | $150,059,800 | 3,470 |
| Average earning assets | $142,302,000 | 3,423 |
| Average equity | $15,327,000 | 3,680 |
| Average total loans | $121,899,800 | 3,031 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 1,314 |
| Cost of funding earning assets | 0.7323% | 837 |
| Net interest margin | 3.8890% | 2,075 |
| Noninterest income to average assets | 0.2707% | 4,566 |
| Noninterest expense to average assets | 3.1289% | 1,725 |
| Loan and lease loss provision to assets | 0.1619% | 1,264 |
| Net operating income to assets | 0.5009% | 4,727 |
| Return on assets (ROA) | 0.5063% | 4,744 |
| Pretax return on assets | 0.6745% | 4,669 |
| Return on Equity (ROE) | 4.9095% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.9095% | 2,946 |
| Net charge-offs to loans | 0.0865% | 1,929 |
| Credit loss provision to net charge-offs | 230.7692% | 1,209 |
| Earnings coverage of net charge-offs (x) | 11.8202% | 2,472 |
| Efficiency ratio | 79.0502% | 1,208 |
| Assets per employee ($millions) | 3.7199% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 4,244 |
| Loan loss allowance to noncurrent loans | 107.6439% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 1,891 |
| Noncurrent loans to loans | 0.8998% | 2,131 |
| Net loans and leases to total assets | 80.2468% | 949 |
| Net loans and leases to deposits | 94.5177% | 1,239 |
| Net loans and leases to core deposits | 102.9560% | 1,469 |
| Total domestic deposits to total assets | 84.9014% | 2,750 |
| Equity capital to assets | 10.2697% | 3,620 |
| Core capital (leverage) ratio | 10.3173% | 3,180 |
| Tier 1 risk-based capital ratio | 11.0828% | 5,197 |
| Total risk-based capital ratio | 11.9255% | 5,313 |
| Memoranda: | ||
| Average total assets | $148,249,500 | 3,522 |
| Average earning assets | $140,565,500 | 3,470 |
| Average equity | $15,289,750 | 3,717 |
| Average total loans | $120,175,250 | 3,080 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 1,360 |
| Cost of funding earning assets | 0.7027% | 882 |
| Net interest margin | 3.8564% | 2,073 |
| Noninterest income to average assets | 0.2629% | 4,654 |
| Noninterest expense to average assets | 3.1329% | 1,758 |
| Loan and lease loss provision to assets | 0.1635% | 1,225 |
| Net operating income to assets | 0.4660% | 4,809 |
| Return on assets (ROA) | 0.4740% | 4,806 |
| Pretax return on assets | 0.6402% | 4,720 |
| Return on Equity (ROE) | 4.5894% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.5894% | 2,982 |
| Net charge-offs to loans | 0.0806% | 1,812 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 2,222 |
| Efficiency ratio | 79.8057% | 1,228 |
| Assets per employee ($millions) | 3.6562% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 4,400 |
| Loan loss allowance to noncurrent loans | 194.5000% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 3,091 |
| Noncurrent loans to loans | 0.4901% | 3,281 |
| Net loans and leases to total assets | 80.8844% | 824 |
| Net loans and leases to deposits | 95.2699% | 1,144 |
| Net loans and leases to core deposits | 103.1696% | 1,424 |
| Total domestic deposits to total assets | 84.9003% | 2,849 |
| Equity capital to assets | 10.3119% | 3,557 |
| Core capital (leverage) ratio | 10.4997% | 2,917 |
| Tier 1 risk-based capital ratio | 11.2873% | 5,097 |
| Total risk-based capital ratio | 12.1356% | 5,226 |
| Memoranda: | ||
| Average total assets | $146,827,000 | 3,561 |
| Average earning assets | $139,457,000 | 3,506 |
| Average equity | $15,165,330 | 3,741 |
| Average total loans | $119,038,000 | 3,107 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,342 |
| Cost of funding earning assets | 0.6842% | 909 |
| Net interest margin | 3.8300% | 2,018 |
| Noninterest income to average assets | 0.2615% | 4,664 |
| Noninterest expense to average assets | 3.1331% | 1,783 |
| Loan and lease loss provision to assets | 0.1652% | 1,088 |
| Net operating income to assets | 0.4329% | 4,849 |
| Return on assets (ROA) | 0.4488% | 4,806 |
| Pretax return on assets | 0.6222% | 4,676 |
| Return on Equity (ROE) | 4.3412% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.3412% | 3,253 |
| Net charge-offs to loans | 0.1193% | 1,213 |
| Credit loss provision to net charge-offs | 171.4286% | 1,120 |
| Earnings coverage of net charge-offs (x) | 7.9429% | 2,097 |
| Efficiency ratio | 80.3672% | 1,334 |
| Assets per employee ($millions) | 3.6552% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,582 |
| Loan loss allowance to noncurrent loans | 248.8889% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 3,546 |
| Noncurrent loans to loans | 0.3794% | 3,739 |
| Net loans and leases to total assets | 80.3572% | 793 |
| Net loans and leases to deposits | 93.9798% | 1,109 |
| Net loans and leases to core deposits | 101.9605% | 1,369 |
| Total domestic deposits to total assets | 85.5047% | 2,887 |
| Equity capital to assets | 10.3347% | 3,370 |
| Core capital (leverage) ratio | 10.6020% | 2,789 |
| Tier 1 risk-based capital ratio | 11.4810% | 5,041 |
| Total risk-based capital ratio | 12.3192% | 5,175 |
| Memoranda: | ||
| Average total assets | $145,288,500 | 3,612 |
| Average earning assets | $137,965,000 | 3,552 |
| Average equity | $15,019,000 | 3,781 |
| Average total loans | $117,349,000 | 3,157 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 1,427 |
| Cost of funding earning assets | 0.6361% | 1,130 |
| Net interest margin | 3.9028% | 1,953 |
| Noninterest income to average assets | 0.2849% | 4,703 |
| Noninterest expense to average assets | 3.2351% | 1,716 |
| Loan and lease loss provision to assets | 0.1308% | 1,903 |
| Net operating income to assets | 0.4930% | 4,661 |
| Return on assets (ROA) | 0.4811% | 4,780 |
| Pretax return on assets | 0.6133% | 4,748 |
| Return on Equity (ROE) | 4.4295% | 4,691 |
| Retained earnings to average equity (ytd only) | 3.3121% | 3,557 |
| Net charge-offs to loans | 0.0857% | 2,471 |
| Credit loss provision to net charge-offs | 185.5670% | 1,517 |
| Earnings coverage of net charge-offs (x) | 10.7732% | 2,603 |
| Efficiency ratio | 80.9896% | 1,307 |
| Assets per employee ($millions) | 3.6093% | 4,599 |
| Cash dividends to net income (ytd only)* | 25.2266% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 4,613 |
| Loan loss allowance to noncurrent loans | 82.8290% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 1,824 |
| Noncurrent loans to loans | 1.1388% | 1,799 |
| Net loans and leases to total assets | 79.6531% | 943 |
| Net loans and leases to deposits | 92.3841% | 1,395 |
| Net loans and leases to core deposits | 101.3431% | 1,501 |
| Total domestic deposits to total assets | 86.2195% | 2,486 |
| Equity capital to assets | 10.3400% | 3,339 |
| Core capital (leverage) ratio | 10.4985% | 2,885 |
| Tier 1 risk-based capital ratio | 11.6775% | 4,938 |
| Total risk-based capital ratio | 12.5200% | 5,083 |
| Memoranda: | ||
| Average total assets | $137,615,000 | 3,709 |
| Average earning assets | $130,802,600 | 3,640 |
| Average equity | $14,945,400 | 3,814 |
| Average total loans | $113,187,000 | 3,172 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,351 |
| Cost of funding earning assets | 0.6180% | 1,221 |
| Net interest margin | 3.9547% | 1,795 |
| Noninterest income to average assets | 0.2815% | 4,753 |
| Noninterest expense to average assets | 3.2085% | 1,756 |
| Loan and lease loss provision to assets | 0.1324% | 1,770 |
| Net operating income to assets | 0.5429% | 4,525 |
| Return on assets (ROA) | 0.5444% | 4,625 |
| Pretax return on assets | 0.7023% | 4,605 |
| Return on Equity (ROE) | 4.9498% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.9498% | 2,861 |
| Net charge-offs to loans | 0.0877% | 2,086 |
| Credit loss provision to net charge-offs | 182.4324% | 1,543 |
| Earnings coverage of net charge-offs (x) | 11.4734% | 2,482 |
| Efficiency ratio | 79.3932% | 1,510 |
| Assets per employee ($millions) | 3.3339% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 4,777 |
| Loan loss allowance to noncurrent loans | 481.1659% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 4,321 |
| Noncurrent loans to loans | 0.1925% | 4,578 |
| Net loans and leases to total assets | 81.9750% | 624 |
| Net loans and leases to deposits | 96.6561% | 982 |
| Net loans and leases to core deposits | 105.7801% | 1,205 |
| Total domestic deposits to total assets | 84.8110% | 2,889 |
| Equity capital to assets | 10.8869% | 3,152 |
| Core capital (leverage) ratio | 10.9042% | 2,556 |
| Tier 1 risk-based capital ratio | 12.0391% | 4,765 |
| Total risk-based capital ratio | 12.8867% | 4,924 |
| Memoranda: | ||
| Average total assets | $135,926,000 | 3,752 |
| Average earning assets | $129,228,250 | 3,681 |
| Average equity | $14,949,750 | 3,842 |
| Average total loans | $112,461,000 | 3,187 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 1,340 |
| Cost of funding earning assets | 0.6019% | 1,299 |
| Net interest margin | 3.9649% | 1,755 |
| Noninterest income to average assets | 0.2556% | 4,947 |
| Noninterest expense to average assets | 3.1659% | 1,895 |
| Loan and lease loss provision to assets | 0.1338% | 1,707 |
| Net operating income to assets | 0.5533% | 4,470 |
| Return on assets (ROA) | 0.5544% | 4,580 |
| Pretax return on assets | 0.7268% | 4,542 |
| Return on Equity (ROE) | 5.0230% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.0230% | 2,727 |
| Net charge-offs to loans | 0.0665% | 2,242 |
| Credit loss provision to net charge-offs | 243.2432% | 1,123 |
| Earnings coverage of net charge-offs (x) | 15.6216% | 1,979 |
| Efficiency ratio | 78.6558% | 1,696 |
| Assets per employee ($millions) | 3.5326% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 4,829 |
| Loan loss allowance to noncurrent loans | 543.3673% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 4,220 |
| Noncurrent loans to loans | 0.1717% | 4,748 |
| Net loans and leases to total assets | 82.0766% | 621 |
| Net loans and leases to deposits | 97.7473% | 912 |
| Net loans and leases to core deposits | 106.6050% | 1,129 |
| Total domestic deposits to total assets | 83.9682% | 3,278 |
| Equity capital to assets | 10.9581% | 3,106 |
| Core capital (leverage) ratio | 10.9244% | 2,514 |
| Tier 1 risk-based capital ratio | 12.3514% | 4,615 |
| Total risk-based capital ratio | 13.2251% | 4,757 |
| Memoranda: | ||
| Average total assets | $134,560,670 | 3,805 |
| Average earning assets | $127,922,000 | 3,722 |
| Average equity | $14,851,670 | 3,880 |
| Average total loans | $111,329,330 | 3,219 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 1,339 |
| Cost of funding earning assets | 0.5789% | 1,485 |
| Net interest margin | 3.9921% | 1,631 |
| Noninterest income to average assets | 0.2798% | 4,708 |
| Noninterest expense to average assets | 3.1890% | 1,858 |
| Loan and lease loss provision to assets | 0.1354% | 1,556 |
| Net operating income to assets | 0.5685% | 4,325 |
| Return on assets (ROA) | 0.5776% | 4,394 |
| Pretax return on assets | 0.7642% | 4,327 |
| Return on Equity (ROE) | 5.2142% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.2142% | 2,806 |
| Net charge-offs to loans | 0.1274% | 1,339 |
| Credit loss provision to net charge-offs | 128.5714% | 1,368 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,056 |
| Efficiency ratio | 78.2288% | 1,865 |
| Assets per employee ($millions) | 3.6473% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 5,022 |
| Loan loss allowance to noncurrent loans | 1,053.6082% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 4,548 |
| Noncurrent loans to loans | 0.0865% | 5,128 |
| Net loans and leases to total assets | 82.3585% | 519 |
| Net loans and leases to deposits | 99.0438% | 688 |
| Net loans and leases to core deposits | 108.0265% | 968 |
| Total domestic deposits to total assets | 83.1536% | 3,840 |
| Equity capital to assets | 10.9967% | 2,948 |
| Core capital (leverage) ratio | 11.0638% | 2,347 |
| Tier 1 risk-based capital ratio | 12.5987% | 4,519 |
| Total risk-based capital ratio | 13.4641% | 4,677 |
| Memoranda: | ||
| Average total assets | $132,956,000 | 3,864 |
| Average earning assets | $126,450,000 | 3,777 |
| Average equity | $14,729,000 | 3,903 |
| Average total loans | $109,923,000 | 3,240 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,662 |
| Cost of funding earning assets | 0.5561% | 1,709 |
| Net interest margin | 3.9234% | 1,952 |
| Noninterest income to average assets | 0.2796% | 4,881 |
| Noninterest expense to average assets | 3.0412% | 2,410 |
| Loan and lease loss provision to assets | 0.1926% | 1,144 |
| Net operating income to assets | 0.5988% | 4,271 |
| Return on assets (ROA) | 0.5947% | 4,399 |
| Pretax return on assets | 0.7742% | 4,280 |
| Return on Equity (ROE) | 5.3793% | 4,336 |
| Retained earnings to average equity (ytd only) | 4.2226% | 2,980 |
| Net charge-offs to loans | 0.1778% | 1,613 |
| Credit loss provision to net charge-offs | 135.1351% | 1,937 |
| Earnings coverage of net charge-offs (x) | 6.8216% | 3,167 |
| Efficiency ratio | 75.7774% | 2,310 |
| Assets per employee ($millions) | 3.5395% | 4,749 |
| Cash dividends to net income (ytd only)* | 21.5026% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 4,916 |
| Loan loss allowance to noncurrent loans | 688.4354% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 4,223 |
| Noncurrent loans to loans | 0.1365% | 4,946 |
| Net loans and leases to total assets | 81.4505% | 648 |
| Net loans and leases to deposits | 96.5453% | 952 |
| Net loans and leases to core deposits | 104.5497% | 1,194 |
| Total domestic deposits to total assets | 84.3650% | 3,345 |
| Equity capital to assets | 11.1619% | 2,666 |
| Core capital (leverage) ratio | 11.0520% | 2,348 |
| Tier 1 risk-based capital ratio | 13.0266% | 4,292 |
| Total risk-based capital ratio | 13.9244% | 4,427 |
| Memoranda: | ||
| Average total assets | $129,817,000 | 3,890 |
| Average earning assets | $123,539,400 | 3,807 |
| Average equity | $14,351,400 | 3,931 |
| Average total loans | $104,030,000 | 3,314 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 1,704 |
| Cost of funding earning assets | 0.5634% | 1,684 |
| Net interest margin | 3.9037% | 2,020 |
| Noninterest income to average assets | 0.2748% | 4,974 |
| Noninterest expense to average assets | 3.0726% | 2,292 |
| Loan and lease loss provision to assets | 0.0926% | 2,314 |
| Net operating income to assets | 0.6313% | 4,234 |
| Return on assets (ROA) | 0.6258% | 4,370 |
| Pretax return on assets | 0.8183% | 4,282 |
| Return on Equity (ROE) | 5.6749% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.6749% | 2,473 |
| Net charge-offs to loans | 0.0918% | 2,247 |
| Credit loss provision to net charge-offs | 126.7606% | 1,909 |
| Earnings coverage of net charge-offs (x) | 12.5639% | 2,397 |
| Efficiency ratio | 76.9925% | 2,094 |
| Assets per employee ($millions) | 3.5414% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 5,196 |
| Loan loss allowance to noncurrent loans | 314.6580% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 4,380 |
| Noncurrent loans to loans | 0.2868% | 4,555 |
| Net loans and leases to total assets | 80.9663% | 704 |
| Net loans and leases to deposits | 96.0386% | 1,001 |
| Net loans and leases to core deposits | 106.7604% | 1,047 |
| Total domestic deposits to total assets | 84.3060% | 3,300 |
| Equity capital to assets | 11.1432% | 2,859 |
| Core capital (leverage) ratio | 10.9637% | 2,525 |
| Tier 1 risk-based capital ratio | 13.3402% | 4,222 |
| Total risk-based capital ratio | 14.2176% | 4,368 |
| Memoranda: | ||
| Average total assets | $129,530,500 | 3,933 |
| Average earning assets | $123,299,250 | 3,854 |
| Average equity | $14,284,750 | 3,980 |
| Average total loans | $103,117,000 | 3,361 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 1,790 |
| Cost of funding earning assets | 0.5711% | 1,640 |
| Net interest margin | 3.8478% | 2,147 |
| Noninterest income to average assets | 0.2604% | 5,088 |
| Noninterest expense to average assets | 3.0659% | 2,348 |
| Loan and lease loss provision to assets | 0.0930% | 2,263 |
| Net operating income to assets | 0.5937% | 4,381 |
| Return on assets (ROA) | 0.5937% | 4,470 |
| Pretax return on assets | 0.7673% | 4,429 |
| Return on Equity (ROE) | 5.4022% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.4022% | 2,599 |
| Net charge-offs to loans | 0.0118% | 3,497 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 633 |
| Efficiency ratio | 78.0892% | 2,057 |
| Assets per employee ($millions) | 3.6585% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 5,107 |
| Loan loss allowance to noncurrent loans | 211.1814% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 4,458 |
| Noncurrent loans to loans | 0.4484% | 4,127 |
| Net loans and leases to total assets | 79.5015% | 869 |
| Net loans and leases to deposits | 93.0813% | 1,242 |
| Net loans and leases to core deposits | 104.9409% | 1,130 |
| Total domestic deposits to total assets | 85.4108% | 2,965 |
| Equity capital to assets | 10.8529% | 3,049 |
| Core capital (leverage) ratio | 10.9049% | 2,515 |
| Tier 1 risk-based capital ratio | 13.3739% | 4,294 |
| Total risk-based capital ratio | 14.2996% | 4,405 |
| Memoranda: | ||
| Average total assets | $129,030,330 | 3,981 |
| Average earning assets | $122,927,330 | 3,894 |
| Average equity | $14,179,330 | 4,015 |
| Average total loans | $101,803,670 | 3,405 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 1,725 |
| Cost of funding earning assets | 0.5689% | 1,671 |
| Net interest margin | 3.8440% | 2,091 |
| Noninterest income to average assets | 0.2318% | 5,303 |
| Noninterest expense to average assets | 3.0480% | 2,430 |
| Loan and lease loss provision to assets | 0.0940% | 2,119 |
| Net operating income to assets | 0.5858% | 4,338 |
| Return on assets (ROA) | 0.5858% | 4,441 |
| Pretax return on assets | 0.7518% | 4,422 |
| Return on Equity (ROE) | 5.2967% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.2967% | 2,891 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2784% | 2,148 |
| Assets per employee ($millions) | 3.6017% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 5,196 |
| Loan loss allowance to noncurrent loans | 211.0151% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 4,579 |
| Noncurrent loans to loans | 0.4567% | 4,215 |
| Net loans and leases to total assets | 77.4350% | 1,006 |
| Net loans and leases to deposits | 90.8000% | 1,313 |
| Net loans and leases to core deposits | 101.0772% | 1,250 |
| Total domestic deposits to total assets | 85.2808% | 3,277 |
| Equity capital to assets | 10.9948% | 2,976 |
| Core capital (leverage) ratio | 10.9776% | 2,433 |
| Tier 1 risk-based capital ratio | 13.8049% | 4,147 |
| Total risk-based capital ratio | 14.7539% | 4,236 |
| Memoranda: | ||
| Average total assets | $127,692,000 | 4,035 |
| Average earning assets | $121,643,000 | 3,944 |
| Average equity | $14,122,000 | 4,054 |
| Average total loans | $99,850,500 | 3,453 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,376 |
| Cost of funding earning assets | 0.5665% | 2,078 |
| Net interest margin | 3.7916% | 2,657 |
| Noninterest income to average assets | 0.3166% | 4,855 |
| Noninterest expense to average assets | 3.1134% | 2,477 |
| Loan and lease loss provision to assets | 0.1296% | 2,025 |
| Net operating income to assets | 0.5492% | 4,600 |
| Return on assets (ROA) | 0.5466% | 4,695 |
| Pretax return on assets | 0.6745% | 4,709 |
| Return on Equity (ROE) | 5.0117% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.2692% | 3,152 |
| Net charge-offs to loans | 0.1318% | 2,698 |
| Credit loss provision to net charge-offs | 131.1475% | 1,821 |
| Earnings coverage of net charge-offs (x) | 8.1721% | 2,916 |
| Efficiency ratio | 79.4093% | 2,013 |
| Assets per employee ($millions) | 3.3979% | 5,064 |
| Cash dividends to net income (ytd only)* | 14.8148% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 5,225 |
| Loan loss allowance to noncurrent loans | 282.6866% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 4,963 |
| Noncurrent loans to loans | 0.3407% | 4,634 |
| Net loans and leases to total assets | 77.4512% | 1,077 |
| Net loans and leases to deposits | 91.9768% | 1,290 |
| Net loans and leases to core deposits | 100.1625% | 1,384 |
| Total domestic deposits to total assets | 84.2073% | 3,624 |
| Equity capital to assets | 11.1260% | 2,775 |
| Core capital (leverage) ratio | 11.2912% | 2,143 |
| Tier 1 risk-based capital ratio | 15.0887% | 3,440 |
| Total risk-based capital ratio | 16.1061% | 3,503 |
| Memoranda: | ||
| Average total assets | $123,497,800 | 4,113 |
| Average earning assets | $117,391,400 | 4,021 |
| Average equity | $13,468,600 | 4,110 |
| Average total loans | $92,541,200 | 3,571 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 2,544 |
| Cost of funding earning assets | 0.5696% | 2,109 |
| Net interest margin | 3.7506% | 2,809 |
| Noninterest income to average assets | 0.2755% | 5,234 |
| Noninterest expense to average assets | 3.0507% | 2,633 |
| Loan and lease loss provision to assets | 0.0488% | 3,402 |
| Net operating income to assets | 0.5924% | 4,472 |
| Return on assets (ROA) | 0.5932% | 4,561 |
| Pretax return on assets | 0.7407% | 4,558 |
| Return on Equity (ROE) | 5.4677% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.4677% | 2,783 |
| Net charge-offs to loans | 0.0205% | 4,118 |
| Credit loss provision to net charge-offs | 321.4286% | 869 |
| Earnings coverage of net charge-offs (x) | 51.9181% | 955 |
| Efficiency ratio | 79.4633% | 1,994 |
| Assets per employee ($millions) | 3.3869% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,182 |
| Loan loss allowance to noncurrent loans | 69.2704% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0829% | 2,794 |
| Noncurrent loans to loans | 1.4546% | 2,236 |
| Net loans and leases to total assets | 73.6939% | 1,574 |
| Net loans and leases to deposits | 86.5739% | 1,843 |
| Net loans and leases to core deposits | 94.1905% | 1,843 |
| Total domestic deposits to total assets | 85.1225% | 3,293 |
| Equity capital to assets | 11.0177% | 2,942 |
| Core capital (leverage) ratio | 11.3965% | 2,137 |
| Tier 1 risk-based capital ratio | 15.7172% | 3,202 |
| Total risk-based capital ratio | 16.7717% | 3,246 |
| Memoranda: | ||
| Average total assets | $122,941,500 | 4,160 |
| Average earning assets | $116,813,750 | 4,064 |
| Average equity | $13,338,750 | 4,157 |
| Average total loans | $91,096,250 | 3,637 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 2,601 |
| Cost of funding earning assets | 0.5721% | 2,145 |
| Net interest margin | 3.7223% | 2,868 |
| Noninterest income to average assets | 0.2472% | 5,432 |
| Noninterest expense to average assets | 3.0471% | 2,665 |
| Loan and lease loss provision to assets | 0.0491% | 3,321 |
| Net operating income to assets | 0.5555% | 4,569 |
| Return on assets (ROA) | 0.5714% | 4,602 |
| Pretax return on assets | 0.7073% | 4,614 |
| Return on Equity (ROE) | 5.2948% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.2948% | 2,766 |
| Net charge-offs to loans | 0.0332% | 3,542 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,257 |
| Efficiency ratio | 80.5279% | 1,943 |
| Assets per employee ($millions) | 3.2914% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 5,261 |
| Loan loss allowance to noncurrent loans | 112.5457% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 3,664 |
| Noncurrent loans to loans | 0.9077% | 3,444 |
| Net loans and leases to total assets | 73.5129% | 1,503 |
| Net loans and leases to deposits | 83.3340% | 2,108 |
| Net loans and leases to core deposits | 90.9741% | 2,032 |
| Total domestic deposits to total assets | 88.2148% | 1,779 |
| Equity capital to assets | 11.1045% | 2,780 |
| Core capital (leverage) ratio | 11.3509% | 2,118 |
| Tier 1 risk-based capital ratio | 16.1896% | 2,986 |
| Total risk-based capital ratio | 17.2727% | 3,008 |
| Memoranda: | ||
| Average total assets | $122,149,670 | 4,192 |
| Average earning assets | $116,056,330 | 4,109 |
| Average equity | $13,182,670 | 4,188 |
| Average total loans | $90,364,670 | 3,671 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 2,512 |
| Cost of funding earning assets | 0.5846% | 2,120 |
| Net interest margin | 3.7175% | 2,798 |
| Noninterest income to average assets | 0.1962% | 5,791 |
| Noninterest expense to average assets | 2.9624% | 3,009 |
| Loan and lease loss provision to assets | 0.0490% | 3,115 |
| Net operating income to assets | 0.5828% | 4,276 |
| Return on assets (ROA) | 0.5722% | 4,416 |
| Pretax return on assets | 0.7063% | 4,468 |
| Return on Equity (ROE) | 5.3794% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.3794% | 2,866 |
| Net charge-offs to loans | 0.0620% | 2,540 |
| Credit loss provision to net charge-offs | 107.1429% | 1,563 |
| Earnings coverage of net charge-offs (x) | 16.7857% | 1,494 |
| Efficiency ratio | 79.4040% | 2,285 |
| Assets per employee ($millions) | 3.6673% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 5,489 |
| Loan loss allowance to noncurrent loans | 130.1860% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 3,998 |
| Noncurrent loans to loans | 0.7742% | 3,925 |
| Net loans and leases to total assets | 73.8535% | 1,297 |
| Net loans and leases to deposits | 83.4561% | 1,883 |
| Net loans and leases to core deposits | 91.3793% | 1,790 |
| Total domestic deposits to total assets | 88.4938% | 1,939 |
| Equity capital to assets | 10.8988% | 2,827 |
| Core capital (leverage) ratio | 11.1177% | 2,282 |
| Tier 1 risk-based capital ratio | 16.5731% | 2,860 |
| Total risk-based capital ratio | 17.6790% | 2,901 |
| Memoranda: | ||
| Average total assets | $122,334,500 | 4,227 |
| Average earning assets | $116,315,500 | 4,132 |
| Average equity | $13,012,500 | 4,233 |
| Average total loans | $90,323,000 | 3,695 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,646 |
| Cost of funding earning assets | 0.6413% | 2,285 |
| Net interest margin | 3.7422% | 2,889 |
| Noninterest income to average assets | 0.2995% | 5,203 |
| Noninterest expense to average assets | 2.8416% | 3,565 |
| Loan and lease loss provision to assets | 0.0676% | 3,781 |
| Net operating income to assets | 0.7563% | 3,510 |
| Return on assets (ROA) | 0.7633% | 3,574 |
| Pretax return on assets | 0.9703% | 3,475 |
| Return on Equity (ROE) | 7.3388% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.5647% | 1,646 |
| Net charge-offs to loans | 0.2619% | 2,394 |
| Credit loss provision to net charge-offs | 36.5217% | 4,113 |
| Earnings coverage of net charge-offs (x) | 5.5565% | 3,269 |
| Efficiency ratio | 73.4138% | 3,230 |
| Assets per employee ($millions) | 3.8640% | 4,129 |
| Cash dividends to net income (ytd only)* | 10.5485% | 4,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 5,530 |
| Loan loss allowance to noncurrent loans | 227.8195% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 4,905 |
| Noncurrent loans to loans | 0.4416% | 4,897 |
| Net loans and leases to total assets | 72.3414% | 1,631 |
| Net loans and leases to deposits | 81.2698% | 2,288 |
| Net loans and leases to core deposits | 88.4617% | 2,194 |
| Total domestic deposits to total assets | 89.0139% | 1,612 |
| Equity capital to assets | 10.3804% | 3,310 |
| Core capital (leverage) ratio | 10.8517% | 2,522 |
| Tier 1 risk-based capital ratio | 16.3982% | 2,902 |
| Total risk-based capital ratio | 17.5075% | 2,936 |
| Memoranda: | ||
| Average total assets | $124,190,400 | 4,178 |
| Average earning assets | $118,513,600 | 4,076 |
| Average equity | $12,917,600 | 4,280 |
| Average total loans | $87,834,400 | 3,742 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 2,621 |
| Cost of funding earning assets | 0.6500% | 2,358 |
| Net interest margin | 3.7419% | 2,876 |
| Noninterest income to average assets | 0.2960% | 5,330 |
| Noninterest expense to average assets | 2.8140% | 3,606 |
| Loan and lease loss provision to assets | 0.0257% | 4,493 |
| Net operating income to assets | 0.8026% | 3,331 |
| Return on assets (ROA) | 0.8043% | 3,459 |
| Pretax return on assets | 1.0327% | 3,366 |
| Return on Equity (ROE) | 7.7289% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.7289% | 1,535 |
| Net charge-offs to loans | 0.0336% | 4,457 |
| Credit loss provision to net charge-offs | 109.0909% | 2,154 |
| Earnings coverage of net charge-offs (x) | 44.7767% | 932 |
| Efficiency ratio | 72.7071% | 3,282 |
| Assets per employee ($millions) | 3.8503% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 4,916 |
| Loan loss allowance to noncurrent loans | 94.8833% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 3,871 |
| Noncurrent loans to loans | 1.2525% | 3,309 |
| Net loans and leases to total assets | 71.3290% | 1,722 |
| Net loans and leases to deposits | 80.1056% | 2,396 |
| Net loans and leases to core deposits | 86.9801% | 2,284 |
| Total domestic deposits to total assets | 89.0437% | 1,533 |
| Equity capital to assets | 10.3857% | 3,408 |
| Core capital (leverage) ratio | 10.7312% | 2,752 |
| Tier 1 risk-based capital ratio | 16.0238% | 3,178 |
| Total risk-based capital ratio | 17.2935% | 3,131 |
| Memoranda: | ||
| Average total assets | $124,326,250 | 4,218 |
| Average earning assets | $118,761,000 | 4,114 |
| Average equity | $12,938,250 | 4,320 |
| Average total loans | $87,203,750 | 3,783 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 2,644 |
| Cost of funding earning assets | 0.6644% | 2,365 |
| Net interest margin | 3.7143% | 2,904 |
| Noninterest income to average assets | 0.2839% | 5,417 |
| Noninterest expense to average assets | 2.8100% | 3,639 |
| Loan and lease loss provision to assets | 0.0385% | 4,182 |
| Net operating income to assets | 0.7678% | 3,480 |
| Return on assets (ROA) | 0.7891% | 3,514 |
| Pretax return on assets | 1.0136% | 3,444 |
| Return on Equity (ROE) | 7.5776% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.5776% | 1,636 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2748% | 3,266 |
| Assets per employee ($millions) | 4.0060% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 4,898 |
| Loan loss allowance to noncurrent loans | 108.2247% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 4,222 |
| Noncurrent loans to loans | 1.1241% | 3,685 |
| Net loans and leases to total assets | 70.5482% | 1,793 |
| Net loans and leases to deposits | 79.0770% | 2,447 |
| Net loans and leases to core deposits | 85.7720% | 2,357 |
| Total domestic deposits to total assets | 89.2146% | 1,501 |
| Equity capital to assets | 10.2701% | 3,575 |
| Core capital (leverage) ratio | 10.3165% | 3,081 |
| Tier 1 risk-based capital ratio | 16.3292% | 3,023 |
| Total risk-based capital ratio | 17.6250% | 2,957 |
| Memoranda: | ||
| Average total assets | $124,699,000 | 4,243 |
| Average earning assets | $119,214,000 | 4,137 |
| Average equity | $12,985,670 | 4,346 |
| Average total loans | $86,625,000 | 3,805 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 2,581 |
| Cost of funding earning assets | 0.6761% | 2,427 |
| Net interest margin | 3.7083% | 2,819 |
| Noninterest income to average assets | 0.2529% | 5,650 |
| Noninterest expense to average assets | 2.7210% | 3,981 |
| Loan and lease loss provision to assets | 0.0384% | 3,951 |
| Net operating income to assets | 0.8022% | 3,155 |
| Return on assets (ROA) | 0.8195% | 3,191 |
| Pretax return on assets | 1.0628% | 3,100 |
| Return on Equity (ROE) | 7.8159% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.8159% | 1,818 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6091% | 3,686 |
| Assets per employee ($millions) | 4.0698% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 5,002 |
| Loan loss allowance to noncurrent loans | 129.1768% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 4,664 |
| Noncurrent loans to loans | 0.9590% | 4,217 |
| Net loans and leases to total assets | 67.4207% | 2,119 |
| Net loans and leases to deposits | 75.6291% | 2,694 |
| Net loans and leases to core deposits | 81.7327% | 2,608 |
| Total domestic deposits to total assets | 89.1466% | 1,600 |
| Equity capital to assets | 10.3913% | 3,682 |
| Core capital (leverage) ratio | 10.2493% | 3,078 |
| Tier 1 risk-based capital ratio | 16.3889% | 3,068 |
| Total risk-based capital ratio | 17.6726% | 3,000 |
| Memoranda: | ||
| Average total assets | $124,955,500 | 4,286 |
| Average earning assets | $119,515,000 | 4,166 |
| Average equity | $13,101,500 | 4,364 |
| Average total loans | $85,592,500 | 3,852 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 2,259 |
| Cost of funding earning assets | 0.8810% | 2,066 |
| Net interest margin | 3.9018% | 2,821 |
| Noninterest income to average assets | 0.2651% | 5,564 |
| Noninterest expense to average assets | 2.7337% | 4,274 |
| Loan and lease loss provision to assets | 0.1334% | 3,960 |
| Net operating income to assets | 0.8514% | 3,036 |
| Return on assets (ROA) | 0.8608% | 3,239 |
| Pretax return on assets | 1.1357% | 3,031 |
| Return on Equity (ROE) | 8.4369% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.9076% | 1,154 |
| Net charge-offs to loans | 0.3141% | 3,071 |
| Credit loss provision to net charge-offs | 59.0580% | 4,473 |
| Earnings coverage of net charge-offs (x) | 5.5652% | 3,007 |
| Efficiency ratio | 68.5052% | 4,056 |
| Assets per employee ($millions) | 3.9919% | 3,965 |
| Cash dividends to net income (ytd only)* | 6.2738% | 4,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 4,930 |
| Loan loss allowance to noncurrent loans | 181.2715% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 4,907 |
| Noncurrent loans to loans | 0.6842% | 4,829 |
| Net loans and leases to total assets | 67.8823% | 2,201 |
| Net loans and leases to deposits | 76.2693% | 2,758 |
| Net loans and leases to core deposits | 82.9930% | 2,668 |
| Total domestic deposits to total assets | 89.0035% | 1,562 |
| Equity capital to assets | 10.5804% | 3,422 |
| Core capital (leverage) ratio | 10.1728% | 3,170 |
| Tier 1 risk-based capital ratio | 16.3996% | 2,941 |
| Total risk-based capital ratio | 17.6777% | 2,894 |
| Memoranda: | ||
| Average total assets | $122,217,000 | 4,309 |
| Average earning assets | $116,689,600 | 4,192 |
| Average equity | $12,469,000 | 4,466 |
| Average total loans | $87,867,400 | 3,797 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 2,234 |
| Cost of funding earning assets | 0.9219% | 2,034 |
| Net interest margin | 3.9192% | 2,843 |
| Noninterest income to average assets | 0.3141% | 5,272 |
| Noninterest expense to average assets | 2.7260% | 4,262 |
| Loan and lease loss provision to assets | 0.1784% | 3,356 |
| Net operating income to assets | 0.8687% | 3,136 |
| Return on assets (ROA) | 0.8678% | 3,385 |
| Pretax return on assets | 1.1491% | 3,165 |
| Return on Equity (ROE) | 8.5869% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.5869% | 1,380 |
| Net charge-offs to loans | 0.3884% | 2,539 |
| Credit loss provision to net charge-offs | 63.1783% | 4,069 |
| Earnings coverage of net charge-offs (x) | 4.7055% | 3,227 |
| Efficiency ratio | 67.2335% | 4,222 |
| Assets per employee ($millions) | 3.8991% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 5,030 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 4,517 |
| Noncurrent loans to loans | 0.8644% | 4,691 |
| Net loans and leases to total assets | 69.9404% | 1,911 |
| Net loans and leases to deposits | 78.6051% | 2,579 |
| Net loans and leases to core deposits | 85.6881% | 2,501 |
| Total domestic deposits to total assets | 88.9769% | 1,443 |
| Equity capital to assets | 10.6095% | 3,721 |
| Core capital (leverage) ratio | 10.0394% | 3,494 |
| Tier 1 risk-based capital ratio | 16.4200% | 3,047 |
| Total risk-based capital ratio | 17.6985% | 2,997 |
| Memoranda: | ||
| Average total assets | $121,834,250 | 4,355 |
| Average earning assets | $116,280,000 | 4,239 |
| Average equity | $12,313,000 | 4,538 |
| Average total loans | $88,569,750 | 3,829 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 2,142 |
| Cost of funding earning assets | 0.9605% | 1,992 |
| Net interest margin | 3.9312% | 2,789 |
| Noninterest income to average assets | 0.2882% | 5,506 |
| Noninterest expense to average assets | 2.7015% | 4,419 |
| Loan and lease loss provision to assets | 0.1932% | 3,155 |
| Net operating income to assets | 0.8641% | 3,064 |
| Return on assets (ROA) | 0.8628% | 3,338 |
| Pretax return on assets | 1.1445% | 3,137 |
| Return on Equity (ROE) | 8.6801% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.6801% | 1,387 |
| Net charge-offs to loans | 0.1295% | 3,893 |
| Credit loss provision to net charge-offs | 203.4483% | 1,403 |
| Earnings coverage of net charge-offs (x) | 14.1034% | 1,734 |
| Efficiency ratio | 66.8558% | 4,347 |
| Assets per employee ($millions) | 3.9435% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,498 |
| Loan loss allowance to noncurrent loans | 117.7373% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 4,320 |
| Noncurrent loans to loans | 1.1831% | 4,176 |
| Net loans and leases to total assets | 71.1100% | 1,718 |
| Net loans and leases to deposits | 79.5425% | 2,450 |
| Net loans and leases to core deposits | 86.5632% | 2,355 |
| Total domestic deposits to total assets | 89.3988% | 1,276 |
| Equity capital to assets | 10.1898% | 4,063 |
| Core capital (leverage) ratio | 9.7971% | 3,720 |
| Tier 1 risk-based capital ratio | 15.5883% | 3,389 |
| Total risk-based capital ratio | 16.8620% | 3,343 |
| Memoranda: | ||
| Average total assets | $122,154,670 | 4,369 |
| Average earning assets | $116,604,670 | 4,255 |
| Average equity | $12,142,670 | 4,574 |
| Average total loans | $89,555,670 | 3,819 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 2,033 |
| Cost of funding earning assets | 1.0091% | 1,925 |
| Net interest margin | 3.9506% | 2,715 |
| Noninterest income to average assets | 0.1867% | 6,263 |
| Noninterest expense to average assets | 2.5879% | 4,865 |
| Loan and lease loss provision to assets | 0.2162% | 2,778 |
| Net operating income to assets | 0.8705% | 3,048 |
| Return on assets (ROA) | 0.8681% | 3,290 |
| Pretax return on assets | 1.1498% | 3,112 |
| Return on Equity (ROE) | 8.8440% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.8440% | 1,644 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3974% | 4,671 |
| Assets per employee ($millions) | 4.1299% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 4,724 |
| Loan loss allowance to noncurrent loans | 142.1659% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 4,774 |
| Noncurrent loans to loans | 0.9643% | 4,748 |
| Net loans and leases to total assets | 71.6561% | 1,460 |
| Net loans and leases to deposits | 81.2407% | 2,030 |
| Net loans and leases to core deposits | 88.1479% | 2,034 |
| Total domestic deposits to total assets | 88.2022% | 2,185 |
| Equity capital to assets | 9.7856% | 4,401 |
| Core capital (leverage) ratio | 9.6449% | 3,853 |
| Tier 1 risk-based capital ratio | 15.1352% | 3,662 |
| Total risk-based capital ratio | 16.4018% | 3,611 |
| Memoranda: | ||
| Average total assets | $122,107,000 | 4,407 |
| Average earning assets | $116,539,000 | 4,281 |
| Average equity | $11,985,500 | 4,611 |
| Average total loans | $90,253,500 | 3,824 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2510% | 1,868 |
| Cost of funding earning assets | 1.2164% | 1,920 |
| Net interest margin | 4.0345% | 2,710 |
| Noninterest income to average assets | 0.2728% | 5,575 |
| Noninterest expense to average assets | 2.5343% | 5,337 |
| Loan and lease loss provision to assets | 0.3072% | 3,214 |
| Net operating income to assets | 0.9002% | 2,603 |
| Return on assets (ROA) | 0.9091% | 2,686 |
| Pretax return on assets | 1.2860% | 2,188 |
| Return on Equity (ROE) | 9.7271% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.7271% | 618 |
| Net charge-offs to loans | 0.3831% | 3,494 |
| Credit loss provision to net charge-offs | 103.6827% | 3,329 |
| Earnings coverage of net charge-offs (x) | 5.3343% | 2,826 |
| Efficiency ratio | 61.5871% | 5,524 |
| Assets per employee ($millions) | 4.1489% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,957 |
| Loan loss allowance to noncurrent loans | 98.8156% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 4,146 |
| Noncurrent loans to loans | 1.3062% | 4,192 |
| Net loans and leases to total assets | 74.2416% | 1,229 |
| Net loans and leases to deposits | 82.7491% | 2,099 |
| Net loans and leases to core deposits | 88.7086% | 2,295 |
| Total domestic deposits to total assets | 89.7189% | 1,147 |
| Equity capital to assets | 9.8464% | 4,374 |
| Core capital (leverage) ratio | 9.4447% | 4,119 |
| Tier 1 risk-based capital ratio | 14.7332% | 3,806 |
| Total risk-based capital ratio | 15.9856% | 3,778 |
| Memoranda: | ||
| Average total assets | $119,127,200 | 4,425 |
| Average earning assets | $113,445,600 | 4,295 |
| Average equity | $11,133,800 | 4,750 |
| Average total loans | $92,141,200 | 3,807 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2571% | 2,000 |
| Cost of funding earning assets | 1.2400% | 2,064 |
| Net interest margin | 4.0171% | 2,843 |
| Noninterest income to average assets | 0.2783% | 5,622 |
| Noninterest expense to average assets | 2.5100% | 5,431 |
| Loan and lease loss provision to assets | 0.3164% | 3,002 |
| Net operating income to assets | 0.8909% | 2,777 |
| Return on assets (ROA) | 0.8909% | 2,930 |
| Pretax return on assets | 1.2757% | 2,378 |
| Return on Equity (ROE) | 9.6631% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.6631% | 938 |
| Net charge-offs to loans | 0.4956% | 2,768 |
| Credit loss provision to net charge-offs | 81.9767% | 4,074 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 3,171 |
| Efficiency ratio | 61.1871% | 5,534 |
| Assets per employee ($millions) | 4.3388% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,521 |
| Loan loss allowance to noncurrent loans | 100.1833% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 4,429 |
| Noncurrent loans to loans | 1.1844% | 4,563 |
| Net loans and leases to total assets | 74.9222% | 1,155 |
| Net loans and leases to deposits | 83.2023% | 2,144 |
| Net loans and leases to core deposits | 87.9862% | 2,494 |
| Total domestic deposits to total assets | 90.0482% | 843 |
| Equity capital to assets | 9.5196% | 5,053 |
| Core capital (leverage) ratio | 9.2848% | 4,476 |
| Tier 1 risk-based capital ratio | 14.5028% | 3,979 |
| Total risk-based capital ratio | 15.7544% | 3,951 |
| Memoranda: | ||
| Average total assets | $118,829,500 | 4,463 |
| Average earning assets | $113,115,000 | 4,323 |
| Average equity | $10,955,500 | 4,814 |
| Average total loans | $92,553,000 | 3,834 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 1,959 |
| Cost of funding earning assets | 1.2599% | 2,186 |
| Net interest margin | 4.0184% | 2,754 |
| Noninterest income to average assets | 0.3001% | 5,488 |
| Noninterest expense to average assets | 2.4944% | 5,563 |
| Loan and lease loss provision to assets | 0.3358% | 2,771 |
| Net operating income to assets | 0.9038% | 2,618 |
| Return on assets (ROA) | 0.9038% | 2,726 |
| Pretax return on assets | 1.2938% | 2,153 |
| Return on Equity (ROE) | 9.9141% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.9141% | 865 |
| Net charge-offs to loans | 0.7228% | 2,066 |
| Credit loss provision to net charge-offs | 59.1045% | 4,361 |
| Earnings coverage of net charge-offs (x) | 2.8687% | 3,406 |
| Efficiency ratio | 60.4852% | 5,800 |
| Assets per employee ($millions) | 4.2697% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 5,946 |
| Loan loss allowance to noncurrent loans | 129.3520% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 4,976 |
| Noncurrent loans to loans | 0.8525% | 5,241 |
| Net loans and leases to total assets | 76.3649% | 1,026 |
| Net loans and leases to deposits | 84.6186% | 2,012 |
| Net loans and leases to core deposits | 89.5321% | 2,436 |
| Total domestic deposits to total assets | 90.2460% | 840 |
| Equity capital to assets | 9.3132% | 5,118 |
| Core capital (leverage) ratio | 9.3156% | 4,231 |
| Tier 1 risk-based capital ratio | 14.0542% | 4,134 |
| Total risk-based capital ratio | 15.3047% | 4,106 |
| Memoranda: | ||
| Average total assets | $117,944,000 | 4,515 |
| Average earning assets | $112,232,670 | 4,376 |
| Average equity | $10,752,330 | 4,856 |
| Average total loans | $92,699,670 | 3,866 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2399% | 2,092 |
| Cost of funding earning assets | 1.2885% | 2,252 |
| Net interest margin | 3.9515% | 2,906 |
| Noninterest income to average assets | 0.2390% | 5,993 |
| Noninterest expense to average assets | 2.4518% | 5,733 |
| Loan and lease loss provision to assets | 0.3893% | 2,241 |
| Net operating income to assets | 0.7990% | 3,041 |
| Return on assets (ROA) | 0.7990% | 3,109 |
| Pretax return on assets | 1.1576% | 2,522 |
| Return on Equity (ROE) | 8.8624% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.8624% | 1,422 |
| Net charge-offs to loans | 1.3478% | 1,029 |
| Credit loss provision to net charge-offs | 36.4217% | 4,011 |
| Earnings coverage of net charge-offs (x) | 1.4473% | 3,623 |
| Efficiency ratio | 61.3151% | 5,794 |
| Assets per employee ($millions) | 4.3260% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 6,293 |
| Loan loss allowance to noncurrent loans | 116.3017% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 4,911 |
| Noncurrent loans to loans | 0.8833% | 5,279 |
| Net loans and leases to total assets | 78.8538% | 637 |
| Net loans and leases to deposits | 87.1732% | 1,569 |
| Net loans and leases to core deposits | 91.0387% | 2,239 |
| Total domestic deposits to total assets | 90.4564% | 866 |
| Equity capital to assets | 9.1480% | 4,961 |
| Core capital (leverage) ratio | 9.2494% | 4,212 |
| Tier 1 risk-based capital ratio | 13.7117% | 4,273 |
| Total risk-based capital ratio | 14.9327% | 4,275 |
| Memoranda: | ||
| Average total assets | $117,140,500 | 4,556 |
| Average earning assets | $111,451,500 | 4,421 |
| Average equity | $10,561,500 | 4,905 |
| Average total loans | $92,893,000 | 3,901 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6099% | 1,858 |
| Cost of funding earning assets | 1.6609% | 1,776 |
| Net interest margin | 3.9490% | 3,260 |
| Noninterest income to average assets | 0.1960% | 6,373 |
| Noninterest expense to average assets | 2.7086% | 4,953 |
| Loan and lease loss provision to assets | 0.5347% | 3,016 |
| Net operating income to assets | 0.4841% | 4,177 |
| Return on assets (ROA) | 0.4940% | 4,284 |
| Pretax return on assets | 0.7207% | 3,900 |
| Return on Equity (ROE) | 5.2872% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.2872% | 2,256 |
| Net charge-offs to loans | 0.0826% | 6,002 |
| Credit loss provision to net charge-offs | 789.3333% | 276 |
| Earnings coverage of net charge-offs (x) | 18.3200% | 1,108 |
| Efficiency ratio | 68.5799% | 4,440 |
| Assets per employee ($millions) | 4.1957% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 5,300 |
| Loan loss allowance to noncurrent loans | 148.4576% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 5,106 |
| Noncurrent loans to loans | 0.8390% | 5,375 |
| Net loans and leases to total assets | 77.9477% | 947 |
| Net loans and leases to deposits | 85.9098% | 2,119 |
| Net loans and leases to core deposits | 89.8885% | 2,785 |
| Total domestic deposits to total assets | 90.7320% | 730 |
| Equity capital to assets | 8.8849% | 5,311 |
| Core capital (leverage) ratio | 8.9685% | 4,595 |
| Tier 1 risk-based capital ratio | 13.2255% | 4,435 |
| Total risk-based capital ratio | 14.4780% | 4,383 |
| Memoranda: | ||
| Average total assets | $110,721,000 | 4,696 |
| Average earning assets | $105,242,000 | 4,587 |
| Average equity | $10,345,800 | 5,026 |
| Average total loans | $90,817,800 | 4,032 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6425% | 1,906 |
| Cost of funding earning assets | 1.7508% | 1,622 |
| Net interest margin | 3.8917% | 3,566 |
| Noninterest income to average assets | 0.1944% | 6,492 |
| Noninterest expense to average assets | 2.5876% | 5,372 |
| Loan and lease loss provision to assets | 0.2849% | 4,295 |
| Net operating income to assets | 0.6860% | 3,489 |
| Return on assets (ROA) | 0.6860% | 3,641 |
| Pretax return on assets | 1.0186% | 3,116 |
| Return on Equity (ROE) | 7.2459% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.2459% | 1,729 |
| Net charge-offs to loans | 0.0457% | 6,080 |
| Credit loss provision to net charge-offs | 751.6129% | 395 |
| Earnings coverage of net charge-offs (x) | 34.3891% | 779 |
| Efficiency ratio | 66.4991% | 4,757 |
| Assets per employee ($millions) | 4.3312% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 6,714 |
| Loan loss allowance to noncurrent loans | 95.2381% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 5,127 |
| Noncurrent loans to loans | 0.9549% | 5,321 |
| Net loans and leases to total assets | 78.2612% | 991 |
| Net loans and leases to deposits | 86.3772% | 2,262 |
| Net loans and leases to core deposits | 89.2792% | 3,201 |
| Total domestic deposits to total assets | 90.6040% | 594 |
| Equity capital to assets | 9.0514% | 5,505 |
| Core capital (leverage) ratio | 9.1524% | 4,457 |
| Tier 1 risk-based capital ratio | 13.3580% | 4,303 |
| Total risk-based capital ratio | 14.4245% | 4,424 |
| Memoranda: | ||
| Average total assets | $109,031,250 | 4,796 |
| Average earning assets | $103,569,000 | 4,683 |
| Average equity | $10,322,750 | 5,104 |
| Average total loans | $90,340,250 | 4,104 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7003% | 1,766 |
| Cost of funding earning assets | 1.8196% | 1,570 |
| Net interest margin | 3.8807% | 3,529 |
| Noninterest income to average assets | 0.1767% | 6,639 |
| Noninterest expense to average assets | 2.6317% | 5,203 |
| Loan and lease loss provision to assets | 0.2857% | 4,109 |
| Net operating income to assets | 0.6354% | 3,703 |
| Return on assets (ROA) | 0.6354% | 3,844 |
| Pretax return on assets | 0.9437% | 3,333 |
| Return on Equity (ROE) | 6.6046% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.6046% | 2,018 |
| Net charge-offs to loans | 0.0558% | 5,606 |
| Credit loss provision to net charge-offs | 608.0000% | 603 |
| Earnings coverage of net charge-offs (x) | 26.1600% | 1,007 |
| Efficiency ratio | 68.1597% | 4,553 |
| Assets per employee ($millions) | 4.0409% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 6,962 |
| Loan loss allowance to noncurrent loans | 105.6630% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 5,365 |
| Noncurrent loans to loans | 0.7870% | 5,701 |
| Net loans and leases to total assets | 80.6318% | 708 |
| Net loans and leases to deposits | 89.0414% | 1,996 |
| Net loans and leases to core deposits | 92.3586% | 2,936 |
| Total domestic deposits to total assets | 90.5554% | 662 |
| Equity capital to assets | 9.2263% | 5,106 |
| Core capital (leverage) ratio | 9.3019% | 4,119 |
| Tier 1 risk-based capital ratio | 13.0024% | 4,445 |
| Total risk-based capital ratio | 13.9746% | 4,637 |
| Memoranda: | ||
| Average total assets | $106,394,000 | 4,902 |
| Average earning assets | $101,012,330 | 4,778 |
| Average equity | $10,235,330 | 5,134 |
| Average total loans | $89,666,670 | 4,150 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7733% | 1,545 |
| Cost of funding earning assets | 1.8317% | 1,741 |
| Net interest margin | 3.9415% | 3,145 |
| Noninterest income to average assets | 0.1398% | 6,980 |
| Noninterest expense to average assets | 2.7684% | 4,617 |
| Loan and lease loss provision to assets | 0.2912% | 3,688 |
| Net operating income to assets | 0.5436% | 4,160 |
| Return on assets (ROA) | 0.5436% | 4,298 |
| Pretax return on assets | 0.8231% | 3,779 |
| Return on Equity (ROE) | 5.5262% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.5262% | 2,854 |
| Net charge-offs to loans | 0.0316% | 5,128 |
| Credit loss provision to net charge-offs | 1,071.4286% | 438 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 672 |
| Efficiency ratio | 71.3000% | 4,070 |
| Assets per employee ($millions) | 3.8930% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 7,154 |
| Loan loss allowance to noncurrent loans | 108.7827% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 5,410 |
| Noncurrent loans to loans | 0.7252% | 5,869 |
| Net loans and leases to total assets | 84.4717% | 332 |
| Net loans and leases to deposits | 93.8028% | 1,373 |
| Net loans and leases to core deposits | 98.3626% | 2,306 |
| Total domestic deposits to total assets | 90.0524% | 960 |
| Equity capital to assets | 9.7050% | 4,224 |
| Core capital (leverage) ratio | 9.7703% | 3,433 |
| Tier 1 risk-based capital ratio | 12.9302% | 4,387 |
| Total risk-based capital ratio | 13.8491% | 4,605 |
| Memoranda: | ||
| Average total assets | $103,019,000 | 5,062 |
| Average earning assets | $97,830,000 | 4,932 |
| Average equity | $10,133,500 | 5,202 |
| Average total loans | $88,502,500 | 4,241 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1316% | 1,432 |
| Cost of funding earning assets | 2.1118% | 2,407 |
| Net interest margin | 4.0198% | 2,785 |
| Noninterest income to average assets | 0.1808% | 6,797 |
| Noninterest expense to average assets | 3.1413% | 3,578 |
| Loan and lease loss provision to assets | 0.2734% | 5,223 |
| Net operating income to assets | 1.0914% | 1,535 |
| Return on assets (ROA) | 1.0914% | 1,582 |
| Pretax return on assets | 0.5747% | 3,972 |
| Return on Equity (ROE) | 10.3771% | 1,586 |
| Retained earnings to average equity (ytd only) | 10.3771% | 338 |
| Net charge-offs to loans | 0.1433% | 5,804 |
| Credit loss provision to net charge-offs | 218.7500% | 1,727 |
| Earnings coverage of net charge-offs (x) | 6.7857% | 2,287 |
| Efficiency ratio | 78.7413% | 3,084 |
| Assets per employee ($millions) | 3.7380% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 7,311 |
| Loan loss allowance to noncurrent loans | 95.7958% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 5,153 |
| Noncurrent loans to loans | 0.7611% | 5,745 |
| Net loans and leases to total assets | 86.0741% | 276 |
| Net loans and leases to deposits | 95.9212% | 1,341 |
| Net loans and leases to core deposits | 118.8302% | 2,051 |
| Total domestic deposits to total assets | 89.7342% | 1,088 |
| Equity capital to assets | 9.9735% | 3,796 |
| Core capital (leverage) ratio | 9.8665% | 3,246 |
| Tier 1 risk-based capital ratio | 13.0857% | 4,088 |
| Total risk-based capital ratio | 13.9465% | 4,301 |
| Memoranda: | ||
| Average total assets | $89,613,200 | 5,404 |
| Average earning assets | $84,903,800 | 5,301 |
| Average equity | $9,424,600 | 5,471 |
| Average total loans | $78,168,800 | 4,577 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1915% | 1,396 |
| Cost of funding earning assets | 2.1944% | 2,436 |
| Net interest margin | 3.9971% | 2,839 |
| Noninterest income to average assets | 0.1859% | 6,887 |
| Noninterest expense to average assets | 3.1403% | 3,498 |
| Loan and lease loss provision to assets | 0.2351% | 5,094 |
| Net operating income to assets | 1.3689% | 1,086 |
| Return on assets (ROA) | 1.3689% | 1,145 |
| Pretax return on assets | 0.5884% | 4,215 |
| Return on Equity (ROE) | 12.8232% | 1,144 |
| Retained earnings to average equity (ytd only) | 12.8232% | 272 |
| Net charge-offs to loans | 0.1178% | 5,518 |
| Credit loss provision to net charge-offs | 228.3582% | 1,909 |
| Earnings coverage of net charge-offs (x) | 8.0001% | 2,320 |
| Efficiency ratio | 79.2248% | 2,961 |
| Assets per employee ($millions) | 3.4749% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 7,332 |
| Loan loss allowance to noncurrent loans | 90.0915% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 5,589 |
| Noncurrent loans to loans | 0.7945% | 5,708 |
| Net loans and leases to total assets | 87.3749% | 243 |
| Net loans and leases to deposits | 98.2066% | 1,300 |
| Net loans and leases to core deposits | 123.1241% | 1,986 |
| Total domestic deposits to total assets | 88.9705% | 1,211 |
| Equity capital to assets | 10.6479% | 3,348 |
| Core capital (leverage) ratio | 10.0289% | 3,251 |
| Tier 1 risk-based capital ratio | 12.3265% | 4,683 |
| Total risk-based capital ratio | 13.1223% | 5,026 |
| Memoranda: | ||
| Average total assets | $86,784,750 | 5,524 |
| Average earning assets | $82,024,750 | 5,419 |
| Average equity | $9,264,250 | 5,570 |
| Average total loans | $75,833,500 | 4,703 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2040% | 1,441 |
| Cost of funding earning assets | 2.2735% | 2,477 |
| Net interest margin | 3.9304% | 2,975 |
| Noninterest income to average assets | 0.1871% | 6,958 |
| Noninterest expense to average assets | 3.2284% | 3,242 |
| Loan and lease loss provision to assets | 0.2203% | 4,834 |
| Net operating income to assets | 0.4263% | 4,395 |
| Return on assets (ROA) | 0.4263% | 4,507 |
| Pretax return on assets | 0.4524% | 4,778 |
| Return on Equity (ROE) | 3.9901% | 4,495 |
| Retained earnings to average equity (ytd only) | 3.9901% | 3,066 |
| Net charge-offs to loans | 0.1821% | 4,428 |
| Credit loss provision to net charge-offs | 138.8060% | 3,364 |
| Earnings coverage of net charge-offs (x) | 4.2388% | 3,165 |
| Efficiency ratio | 82.7565% | 2,631 |
| Assets per employee ($millions) | 3.4363% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6903% | 7,445 |
| Loan loss allowance to noncurrent loans | 119.3258% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 5,991 |
| Noncurrent loans to loans | 0.5785% | 6,099 |
| Net loans and leases to total assets | 85.5021% | 435 |
| Net loans and leases to deposits | 95.8253% | 1,824 |
| Net loans and leases to core deposits | 117.2288% | 2,610 |
| Total domestic deposits to total assets | 89.2270% | 1,155 |
| Equity capital to assets | 10.4092% | 3,509 |
| Core capital (leverage) ratio | 10.4345% | 2,870 |
| Tier 1 risk-based capital ratio | 12.8041% | 4,289 |
| Total risk-based capital ratio | 13.5628% | 4,589 |
| Memoranda: | ||
| Average total assets | $84,439,330 | 5,630 |
| Average earning assets | $79,787,670 | 5,537 |
| Average equity | $9,022,330 | 5,682 |
| Average total loans | $73,589,000 | 4,825 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3357% | 1,201 |
| Cost of funding earning assets | 2.3636% | 2,450 |
| Net interest margin | 3.9721% | 2,765 |
| Noninterest income to average assets | 0.1610% | 7,154 |
| Noninterest expense to average assets | 3.2688% | 2,742 |
| Loan and lease loss provision to assets | 0.2195% | 4,258 |
| Net operating income to assets | 0.4391% | 4,701 |
| Return on assets (ROA) | 0.4391% | 4,872 |
| Pretax return on assets | 0.4196% | 5,339 |
| Return on Equity (ROE) | 4.0525% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.0525% | 3,646 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6454% | 2,342 |
| Assets per employee ($millions) | 3.1701% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 7,304 |
| Loan loss allowance to noncurrent loans | 255.8140% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 6,726 |
| Noncurrent loans to loans | 0.2941% | 6,707 |
| Net loans and leases to total assets | 88.0323% | 260 |
| Net loans and leases to deposits | 100.8590% | 1,296 |
| Net loans and leases to core deposits | 121.4543% | 2,297 |
| Total domestic deposits to total assets | 87.2825% | 2,075 |
| Equity capital to assets | 11.1609% | 2,843 |
| Core capital (leverage) ratio | 10.8714% | 2,604 |
| Tier 1 risk-based capital ratio | 13.4318% | 3,913 |
| Total risk-based capital ratio | 14.2658% | 4,094 |
| Memoranda: | ||
| Average total assets | $81,987,000 | 5,752 |
| Average earning assets | $77,339,000 | 5,643 |
| Average equity | $8,883,500 | 5,743 |
| Average total loans | $71,922,500 | 4,911 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6356% | 2,310 |
| Cost of funding earning assets | 2.9170% | 2,192 |
| Net interest margin | 3.7186% | 4,391 |
| Noninterest income to average assets | 0.2235% | 6,845 |
| Noninterest expense to average assets | 3.2610% | 3,109 |
| Loan and lease loss provision to assets | 0.1655% | 5,269 |
| Net operating income to assets | 0.3793% | 5,228 |
| Return on assets (ROA) | 0.3780% | 5,052 |
| Pretax return on assets | 0.3021% | 5,506 |
| Return on Equity (ROE) | 3.3860% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.3860% | 3,047 |
| Net charge-offs to loans | 0.0562% | 5,972 |
| Credit loss provision to net charge-offs | 352.9412% | 1,275 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,588 |
| Efficiency ratio | 87.4260% | 1,731 |
| Assets per employee ($millions) | 3.1366% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 7,383 |
| Loan loss allowance to noncurrent loans | 220.5240% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 6,459 |
| Noncurrent loans to loans | 0.3237% | 6,403 |
| Net loans and leases to total assets | 86.1193% | 593 |
| Net loans and leases to deposits | 96.6039% | 2,353 |
| Net loans and leases to core deposits | 115.8160% | 3,142 |
| Total domestic deposits to total assets | 89.1468% | 985 |
| Equity capital to assets | 10.5062% | 3,497 |
| Core capital (leverage) ratio | 10.5195% | 2,962 |
| Tier 1 risk-based capital ratio | 12.7955% | 4,219 |
| Total risk-based capital ratio | 13.5782% | 4,450 |
| Memoranda: | ||
| Average total assets | $72,494,000 | 5,948 |
| Average earning assets | $68,359,000 | 5,880 |
| Average equity | $8,092,200 | 6,050 |
| Average total loans | $60,461,200 | 5,244 |