Home > Hometown Bank of Pennsylvania > Performance and Condition Ratios
Hometown Bank of Pennsylvania, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 3,030 |
| Cost of funding earning assets | 1.5256% | 1,878 |
| Net interest margin | 3.0141% | 3,250 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.1037% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8489% | 2,708 |
| Return on assets (ROA) | 0.8489% | 2,687 |
| Pretax return on assets | 1.0674% | 2,498 |
| Return on Equity (ROE) | 11.5300% | 2,083 |
| Retained earnings to average equity (ytd only) | 8.1817% | 1,486 |
| Net charge-offs to loans | 0.0009% | 2,848 |
| Credit loss provision to net charge-offs | 350.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 1,885.5000% | 84 |
| Efficiency ratio | 66.3093% | 2,310 |
| Assets per employee ($millions) | 6.0917% | 2,744 |
| Cash dividends to net income (ytd only)* | 29.0484% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6282% | 4,210 |
| Loan loss allowance to noncurrent loans | 5,456.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,564 |
| Noncurrent loans to loans | 0.0115% | 3,674 |
| Net loans and leases to total assets | 58.0700% | 3,031 |
| Net loans and leases to deposits | 62.8716% | 3,354 |
| Net loans and leases to core deposits | 67.2558% | 3,444 |
| Total domestic deposits to total assets | 92.3600% | 249 |
| Equity capital to assets | 7.4309% | 3,752 |
| Core capital (leverage) ratio | 8.3365% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1577% | 1,812 |
| Memoranda: | ||
| Average total assets | $352,812,200 | 2,185 |
| Average earning assets | $339,534,600 | 2,127 |
| Average equity | $25,972,600 | 2,464 |
| Average total loans | $214,152,600 | 2,200 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 3,070 |
| Cost of funding earning assets | 1.3435% | 2,020 |
| Net interest margin | 3.0768% | 3,183 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.1042% | 3,349 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.9039% | 2,663 |
| Return on assets (ROA) | 0.9039% | 2,650 |
| Pretax return on assets | 1.1368% | 2,466 |
| Return on Equity (ROE) | 12.3100% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.0614% | 1,383 |
| Net charge-offs to loans | 0.0031% | 2,414 |
| Credit loss provision to net charge-offs | -600.0000% | 4,582 |
| Earnings coverage of net charge-offs (x) | 590.2000% | 263 |
| Efficiency ratio | 65.0562% | 2,380 |
| Assets per employee ($millions) | 6.3233% | 2,477 |
| Cash dividends to net income (ytd only)* | 18.2627% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6200% | 4,242 |
| Loan loss allowance to noncurrent loans | 5,296.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,586 |
| Noncurrent loans to loans | 0.0117% | 3,709 |
| Net loans and leases to total assets | 57.8700% | 3,039 |
| Net loans and leases to deposits | 62.4864% | 3,373 |
| Net loans and leases to core deposits | 66.8826% | 3,383 |
| Total domestic deposits to total assets | 92.6100% | 363 |
| Equity capital to assets | 7.1558% | 3,537 |
| Core capital (leverage) ratio | 8.5652% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1288% | 1,846 |
| Memoranda: | ||
| Average total assets | $348,116,500 | 2,210 |
| Average earning assets | $335,145,000 | 2,162 |
| Average equity | $25,562,500 | 2,475 |
| Average total loans | $213,406,250 | 2,207 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 3,079 |
| Cost of funding earning assets | 1.1657% | 2,088 |
| Net interest margin | 3.1453% | 3,118 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.1462% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9102% | 2,723 |
| Return on assets (ROA) | 0.9102% | 2,706 |
| Pretax return on assets | 1.1448% | 2,522 |
| Return on Equity (ROE) | 12.2800% | 2,071 |
| Retained earnings to average equity (ytd only) | 8.8809% | 1,715 |
| Net charge-offs to loans | -0.0019% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.1803% | 2,350 |
| Assets per employee ($millions) | 5.6400% | 3,029 |
| Cash dividends to net income (ytd only)* | 27.6992% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6467% | 4,247 |
| Loan loss allowance to noncurrent loans | 608.9286% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 2,969 |
| Noncurrent loans to loans | 0.1062% | 2,953 |
| Net loans and leases to total assets | 59.9200% | 2,777 |
| Net loans and leases to deposits | 64.8415% | 3,138 |
| Net loans and leases to core deposits | 68.8982% | 3,193 |
| Total domestic deposits to total assets | 92.4200% | 337 |
| Equity capital to assets | 7.3696% | 3,596 |
| Core capital (leverage) ratio | 8.7262% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1250% | 1,839 |
| Memoranda: | ||
| Average total assets | $341,904,333 | 2,235 |
| Average earning assets | $329,062,333 | 2,193 |
| Average equity | $25,335,333 | 2,504 |
| Average total loans | $213,353,667 | 2,197 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 3,013 |
| Cost of funding earning assets | 0.9827% | 2,105 |
| Net interest margin | 3.2293% | 3,045 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.1431% | 3,273 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9183% | 2,795 |
| Return on assets (ROA) | 0.9183% | 2,751 |
| Pretax return on assets | 1.1538% | 2,548 |
| Return on Equity (ROE) | 12.3600% | 2,128 |
| Retained earnings to average equity (ytd only) | 12.3577% | 1,203 |
| Net charge-offs to loans | 0.0186% | 1,306 |
| Credit loss provision to net charge-offs | 450.0000% | 583 |
| Earnings coverage of net charge-offs (x) | 101.9000% | 783 |
| Efficiency ratio | 63.9929% | 2,461 |
| Assets per employee ($millions) | 5.7089% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 4,297 |
| Loan loss allowance to noncurrent loans | 542.4125% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 2,614 |
| Noncurrent loans to loans | 0.1214% | 2,906 |
| Net loans and leases to total assets | 61.4200% | 2,520 |
| Net loans and leases to deposits | 66.6431% | 2,881 |
| Net loans and leases to core deposits | 70.6213% | 2,911 |
| Total domestic deposits to total assets | 92.1600% | 481 |
| Equity capital to assets | 7.6209% | 3,494 |
| Core capital (leverage) ratio | 8.8935% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0334% | 1,965 |
| Memoranda: | ||
| Average total assets | $338,016,500 | 2,278 |
| Average earning assets | $325,645,000 | 2,231 |
| Average equity | $25,118,000 | 2,540 |
| Average total loans | $214,577,000 | 2,207 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 2,719 |
| Cost of funding earning assets | 0.3961% | 2,138 |
| Net interest margin | 3.2300% | 2,768 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.0642% | 3,404 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9684% | 2,683 |
| Return on assets (ROA) | 0.9684% | 2,628 |
| Pretax return on assets | 1.2160% | 2,385 |
| Return on Equity (ROE) | 12.6700% | 1,917 |
| Retained earnings to average equity (ytd only) | 9.7598% | 1,227 |
| Net charge-offs to loans | 0.0005% | 2,590 |
| Credit loss provision to net charge-offs | 18,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 4,035.0000% | 35 |
| Efficiency ratio | 61.8584% | 2,781 |
| Assets per employee ($millions) | 5.7500% | 2,990 |
| Cash dividends to net income (ytd only)* | 22.9642% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,296 |
| Loan loss allowance to noncurrent loans | 594.5946% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 2,550 |
| Noncurrent loans to loans | 0.1702% | 2,633 |
| Net loans and leases to total assets | 64.5200% | 2,196 |
| Net loans and leases to deposits | 69.6893% | 2,606 |
| Net loans and leases to core deposits | 73.6990% | 2,589 |
| Total domestic deposits to total assets | 92.5800% | 498 |
| Equity capital to assets | 7.2360% | 3,530 |
| Core capital (leverage) ratio | 8.6803% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5748% | 2,141 |
| Memoranda: | ||
| Average total assets | $317,020,800 | 2,368 |
| Average earning assets | $299,911,200 | 2,333 |
| Average equity | $24,232,000 | 2,621 |
| Average total loans | $208,147,600 | 2,177 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 2,788 |
| Cost of funding earning assets | 0.3420% | 1,770 |
| Net interest margin | 3.1042% | 2,926 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.0743% | 3,284 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8552% | 3,046 |
| Return on assets (ROA) | 0.8552% | 3,023 |
| Pretax return on assets | 1.0725% | 2,805 |
| Return on Equity (ROE) | 11.0300% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.5310% | 1,473 |
| Net charge-offs to loans | -0.0026% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.7340% | 2,447 |
| Assets per employee ($millions) | 5.7812% | 2,948 |
| Cash dividends to net income (ytd only)* | 13.6024% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,360 |
| Loan loss allowance to noncurrent loans | 357.6159% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,216 |
| Noncurrent loans to loans | 0.2871% | 2,215 |
| Net loans and leases to total assets | 66.6900% | 1,818 |
| Net loans and leases to deposits | 72.3259% | 2,179 |
| Net loans and leases to core deposits | 76.7430% | 2,138 |
| Total domestic deposits to total assets | 92.2100% | 814 |
| Equity capital to assets | 7.5746% | 3,169 |
| Core capital (leverage) ratio | 8.6284% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0513% | 2,037 |
| Memoranda: | ||
| Average total assets | $312,900,750 | 2,403 |
| Average earning assets | $294,349,750 | 2,383 |
| Average equity | $24,257,000 | 2,672 |
| Average total loans | $205,839,750 | 2,199 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2720% | 2,826 |
| Cost of funding earning assets | 0.3404% | 1,361 |
| Net interest margin | 2.9316% | 3,085 |
| Noninterest income to average assets | 0.2855% | 3,464 |
| Noninterest expense to average assets | 2.0636% | 3,251 |
| Loan and lease loss provision to assets | 0.0575% | 1,555 |
| Net operating income to assets | 0.7262% | 3,220 |
| Return on assets (ROA) | 0.7262% | 3,174 |
| Pretax return on assets | 0.9089% | 3,035 |
| Return on Equity (ROE) | 9.2967% | 2,598 |
| Retained earnings to average equity (ytd only) | 7.0645% | 1,966 |
| Net charge-offs to loans | -0.0078% | 3,497 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1071% | 2,226 |
| Assets per employee ($millions) | 5.4025% | 3,328 |
| Cash dividends to net income (ytd only)* | 24.0106% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,496 |
| Loan loss allowance to noncurrent loans | 350.2479% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,376 |
| Noncurrent loans to loans | 0.2923% | 2,300 |
| Net loans and leases to total assets | 65.3742% | 1,770 |
| Net loans and leases to deposits | 70.7925% | 2,128 |
| Net loans and leases to core deposits | 75.4218% | 2,060 |
| Total domestic deposits to total assets | 92.3462% | 707 |
| Equity capital to assets | 7.5520% | 3,437 |
| Core capital (leverage) ratio | 8.5150% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9678% | 2,076 |
| Memoranda: | ||
| Average total assets | $313,138,667 | 2,421 |
| Average earning assets | $293,152,000 | 2,416 |
| Average equity | $24,460,333 | 2,712 |
| Average total loans | $204,334,333 | 2,206 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2009% | 2,689 |
| Cost of funding earning assets | 0.3464% | 1,240 |
| Net interest margin | 2.8545% | 2,977 |
| Noninterest income to average assets | 0.2645% | 3,539 |
| Noninterest expense to average assets | 2.0151% | 3,393 |
| Loan and lease loss provision to assets | 0.0575% | 1,363 |
| Net operating income to assets | 0.6926% | 3,087 |
| Return on assets (ROA) | 0.6926% | 3,076 |
| Pretax return on assets | 0.8664% | 2,897 |
| Return on Equity (ROE) | 8.7214% | 2,426 |
| Retained earnings to average equity (ytd only) | 8.7214% | 1,358 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5652% | 2,435 |
| Assets per employee ($millions) | 5.4675% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,683 |
| Loan loss allowance to noncurrent loans | 356.2069% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 2,538 |
| Noncurrent loans to loans | 0.2833% | 2,457 |
| Net loans and leases to total assets | 62.8222% | 1,763 |
| Net loans and leases to deposits | 68.0126% | 2,153 |
| Net loans and leases to core deposits | 72.4739% | 2,070 |
| Total domestic deposits to total assets | 92.3685% | 445 |
| Equity capital to assets | 7.5581% | 3,893 |
| Core capital (leverage) ratio | 8.5071% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9386% | 2,241 |
| Memoranda: | ||
| Average total assets | $313,034,500 | 2,430 |
| Average earning assets | $293,295,500 | 2,430 |
| Average equity | $24,858,500 | 2,783 |
| Average total loans | $203,018,000 | 2,204 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 2,668 |
| Cost of funding earning assets | 0.5071% | 902 |
| Net interest margin | 2.9912% | 3,222 |
| Noninterest income to average assets | 0.2982% | 3,615 |
| Noninterest expense to average assets | 2.2198% | 3,011 |
| Loan and lease loss provision to assets | 0.0638% | 1,794 |
| Net operating income to assets | 0.6531% | 3,739 |
| Return on assets (ROA) | 0.6531% | 3,798 |
| Pretax return on assets | 0.8105% | 3,700 |
| Return on Equity (ROE) | 8.9535% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.2376% | 1,830 |
| Net charge-offs to loans | 0.0010% | 2,643 |
| Credit loss provision to net charge-offs | 9,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,233.0000% | 119 |
| Efficiency ratio | 71.7429% | 1,534 |
| Assets per employee ($millions) | 5.2325% | 3,532 |
| Cash dividends to net income (ytd only)* | 19.1640% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,732 |
| Loan loss allowance to noncurrent loans | 412.4490% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,812 |
| Noncurrent loans to loans | 0.2434% | 2,755 |
| Net loans and leases to total assets | 65.6687% | 1,510 |
| Net loans and leases to deposits | 71.6982% | 1,942 |
| Net loans and leases to core deposits | 76.6585% | 1,862 |
| Total domestic deposits to total assets | 91.5904% | 288 |
| Equity capital to assets | 8.3483% | 4,144 |
| Core capital (leverage) ratio | 8.5928% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0367% | 2,233 |
| Memoranda: | ||
| Average total assets | $282,055,400 | 2,525 |
| Average earning assets | $263,641,200 | 2,532 |
| Average equity | $20,573,000 | 3,165 |
| Average total loans | $196,058,800 | 2,257 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 2,844 |
| Cost of funding earning assets | 0.5475% | 847 |
| Net interest margin | 2.9501% | 3,437 |
| Noninterest income to average assets | 0.3021% | 3,624 |
| Noninterest expense to average assets | 2.2421% | 2,919 |
| Loan and lease loss provision to assets | 0.0625% | 1,748 |
| Net operating income to assets | 0.6062% | 3,999 |
| Return on assets (ROA) | 0.6062% | 4,046 |
| Pretax return on assets | 0.7498% | 3,989 |
| Return on Equity (ROE) | 8.6537% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.2186% | 2,734 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4027% | 1,268 |
| Assets per employee ($millions) | 4.9436% | 3,749 |
| Cash dividends to net income (ytd only)* | 28.1399% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,866 |
| Loan loss allowance to noncurrent loans | 395.3908% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,980 |
| Noncurrent loans to loans | 0.2518% | 2,928 |
| Net loans and leases to total assets | 67.2669% | 1,397 |
| Net loans and leases to deposits | 72.2237% | 2,030 |
| Net loans and leases to core deposits | 77.1806% | 1,947 |
| Total domestic deposits to total assets | 93.1369% | 26 |
| Equity capital to assets | 6.7836% | 4,845 |
| Core capital (leverage) ratio | 6.8845% | 4,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3083% | 3,058 |
| Memoranda: | ||
| Average total assets | $276,697,500 | 2,578 |
| Average earning assets | $258,151,000 | 2,580 |
| Average equity | $19,382,250 | 3,303 |
| Average total loans | $194,744,250 | 2,306 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4804% | 2,939 |
| Cost of funding earning assets | 0.6036% | 735 |
| Net interest margin | 2.8768% | 3,630 |
| Noninterest income to average assets | 0.3003% | 3,631 |
| Noninterest expense to average assets | 2.2443% | 2,942 |
| Loan and lease loss provision to assets | 0.0626% | 1,794 |
| Net operating income to assets | 0.5499% | 4,111 |
| Return on assets (ROA) | 0.5499% | 4,155 |
| Pretax return on assets | 0.6772% | 4,111 |
| Return on Equity (ROE) | 7.7620% | 3,470 |
| Retained earnings to average equity (ytd only) | 5.9228% | 2,834 |
| Net charge-offs to loans | 0.0010% | 2,203 |
| Credit loss provision to net charge-offs | 8,500.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 1,005.0000% | 125 |
| Efficiency ratio | 75.2097% | 1,151 |
| Assets per employee ($millions) | 4.6569% | 3,968 |
| Cash dividends to net income (ytd only)* | 23.6948% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 3,865 |
| Loan loss allowance to noncurrent loans | 513.8667% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 3,343 |
| Noncurrent loans to loans | 0.1923% | 3,268 |
| Net loans and leases to total assets | 69.1092% | 1,307 |
| Net loans and leases to deposits | 74.3622% | 1,967 |
| Net loans and leases to core deposits | 79.3582% | 1,934 |
| Total domestic deposits to total assets | 92.9359% | 35 |
| Equity capital to assets | 6.9635% | 4,851 |
| Core capital (leverage) ratio | 7.0316% | 4,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5340% | 3,033 |
| Memoranda: | ||
| Average total assets | $271,705,333 | 2,598 |
| Average earning assets | $253,480,000 | 2,603 |
| Average equity | $19,247,667 | 3,310 |
| Average total loans | $193,601,333 | 2,322 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 2,889 |
| Cost of funding earning assets | 0.6726% | 606 |
| Net interest margin | 2.8378% | 3,675 |
| Noninterest income to average assets | 0.2763% | 3,743 |
| Noninterest expense to average assets | 2.2669% | 2,887 |
| Loan and lease loss provision to assets | 0.0597% | 1,927 |
| Net operating income to assets | 0.4853% | 4,201 |
| Return on assets (ROA) | 0.4853% | 4,239 |
| Pretax return on assets | 0.5959% | 4,198 |
| Return on Equity (ROE) | 6.7910% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.7910% | 2,644 |
| Net charge-offs to loans | -0.0062% | 3,477 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5677% | 990 |
| Assets per employee ($millions) | 4.7535% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 3,989 |
| Loan loss allowance to noncurrent loans | 496.3158% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 3,485 |
| Noncurrent loans to loans | 0.1935% | 3,413 |
| Net loans and leases to total assets | 70.5342% | 1,223 |
| Net loans and leases to deposits | 75.8701% | 1,924 |
| Net loans and leases to core deposits | 80.7656% | 1,938 |
| Total domestic deposits to total assets | 92.9671% | 34 |
| Equity capital to assets | 6.9441% | 4,860 |
| Core capital (leverage) ratio | 7.2039% | 4,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6244% | 2,989 |
| Memoranda: | ||
| Average total assets | $267,851,500 | 2,610 |
| Average earning assets | $249,768,500 | 2,615 |
| Average equity | $19,143,000 | 3,314 |
| Average total loans | $192,888,500 | 2,333 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 3,554 |
| Cost of funding earning assets | 0.9370% | 752 |
| Net interest margin | 2.7719% | 4,294 |
| Noninterest income to average assets | 0.3122% | 3,604 |
| Noninterest expense to average assets | 2.3670% | 3,218 |
| Loan and lease loss provision to assets | 0.0496% | 3,768 |
| Net operating income to assets | 0.4165% | 4,212 |
| Return on assets (ROA) | 0.4172% | 4,289 |
| Pretax return on assets | 0.5090% | 4,256 |
| Return on Equity (ROE) | 5.3679% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.5165% | 3,070 |
| Net charge-offs to loans | -0.0397% | 4,617 |
| Credit loss provision to net charge-offs | -169.0141% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9302% | 823 |
| Assets per employee ($millions) | 4.4828% | 3,927 |
| Cash dividends to net income (ytd only)* | 34.4896% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,969 |
| Loan loss allowance to noncurrent loans | 461.9048% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 3,406 |
| Noncurrent loans to loans | 0.2106% | 3,444 |
| Net loans and leases to total assets | 72.1473% | 1,271 |
| Net loans and leases to deposits | 77.9692% | 2,071 |
| Net loans and leases to core deposits | 83.4533% | 2,083 |
| Total domestic deposits to total assets | 92.5331% | 34 |
| Equity capital to assets | 7.3619% | 4,864 |
| Core capital (leverage) ratio | 7.2640% | 4,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0934% | 3,076 |
| Memoranda: | ||
| Average total assets | $241,864,000 | 2,637 |
| Average earning assets | $227,968,200 | 2,614 |
| Average equity | $18,797,000 | 3,299 |
| Average total loans | $178,672,800 | 2,422 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 3,741 |
| Cost of funding earning assets | 0.9780% | 825 |
| Net interest margin | 2.7488% | 4,402 |
| Noninterest income to average assets | 0.3494% | 3,372 |
| Noninterest expense to average assets | 2.4017% | 3,126 |
| Loan and lease loss provision to assets | 0.0506% | 3,717 |
| Net operating income to assets | 0.4081% | 4,250 |
| Return on assets (ROA) | 0.4090% | 4,312 |
| Pretax return on assets | 0.4989% | 4,279 |
| Return on Equity (ROE) | 5.1875% | 3,831 |
| Retained earnings to average equity (ytd only) | 3.9690% | 3,064 |
| Net charge-offs to loans | -0.0712% | 4,758 |
| Credit loss provision to net charge-offs | -95.7447% | 3,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4131% | 761 |
| Assets per employee ($millions) | 4.5693% | 3,758 |
| Cash dividends to net income (ytd only)* | 23.4890% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,733 |
| Loan loss allowance to noncurrent loans | 399.1304% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 3,531 |
| Noncurrent loans to loans | 0.2489% | 3,410 |
| Net loans and leases to total assets | 71.4995% | 1,743 |
| Net loans and leases to deposits | 77.3363% | 2,610 |
| Net loans and leases to core deposits | 82.4755% | 2,623 |
| Total domestic deposits to total assets | 92.4527% | 27 |
| Equity capital to assets | 7.4426% | 4,871 |
| Core capital (leverage) ratio | 7.4039% | 4,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4811% | 3,039 |
| Memoranda: | ||
| Average total assets | $237,330,000 | 2,651 |
| Average earning assets | $224,530,500 | 2,616 |
| Average equity | $18,711,000 | 3,305 |
| Average total loans | $175,984,500 | 2,439 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8166% | 3,819 |
| Cost of funding earning assets | 1.0101% | 961 |
| Net interest margin | 2.8065% | 4,441 |
| Noninterest income to average assets | 0.2873% | 3,740 |
| Noninterest expense to average assets | 2.4314% | 3,169 |
| Loan and lease loss provision to assets | 0.0519% | 3,655 |
| Net operating income to assets | 0.3888% | 4,251 |
| Return on assets (ROA) | 0.3902% | 4,310 |
| Pretax return on assets | 0.4742% | 4,290 |
| Return on Equity (ROE) | 4.8495% | 3,869 |
| Retained earnings to average equity (ytd only) | 3.0108% | 3,385 |
| Net charge-offs to loans | -0.0081% | 4,149 |
| Credit loss provision to net charge-offs | -857.1429% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2600% | 745 |
| Assets per employee ($millions) | 4.5200% | 3,761 |
| Cash dividends to net income (ytd only)* | 37.9157% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,840 |
| Loan loss allowance to noncurrent loans | 295.3608% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 3,388 |
| Noncurrent loans to loans | 0.3182% | 3,245 |
| Net loans and leases to total assets | 72.8731% | 1,574 |
| Net loans and leases to deposits | 78.9286% | 2,550 |
| Net loans and leases to core deposits | 84.1148% | 2,594 |
| Total domestic deposits to total assets | 92.3279% | 32 |
| Equity capital to assets | 7.5390% | 4,866 |
| Core capital (leverage) ratio | 7.7306% | 4,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4063% | 3,104 |
| Memoranda: | ||
| Average total assets | $231,146,667 | 2,673 |
| Average earning assets | $219,777,000 | 2,632 |
| Average equity | $18,600,000 | 3,314 |
| Average total loans | $173,049,667 | 2,446 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 3,510 |
| Cost of funding earning assets | 1.0672% | 1,156 |
| Net interest margin | 3.0404% | 4,212 |
| Noninterest income to average assets | 0.3003% | 3,710 |
| Noninterest expense to average assets | 2.5843% | 3,026 |
| Loan and lease loss provision to assets | 0.0540% | 3,095 |
| Net operating income to assets | 0.4481% | 4,021 |
| Return on assets (ROA) | 0.4496% | 4,066 |
| Pretax return on assets | 0.5485% | 4,036 |
| Return on Equity (ROE) | 5.3969% | 3,509 |
| Retained earnings to average equity (ytd only) | 5.3969% | 2,117 |
| Net charge-offs to loans | -0.0048% | 3,856 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1406% | 1,030 |
| Assets per employee ($millions) | 4.0284% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,773 |
| Loan loss allowance to noncurrent loans | 361.3734% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,650 |
| Noncurrent loans to loans | 0.2733% | 3,516 |
| Net loans and leases to total assets | 74.8333% | 1,478 |
| Net loans and leases to deposits | 81.7138% | 2,493 |
| Net loans and leases to core deposits | 87.4852% | 2,565 |
| Total domestic deposits to total assets | 91.5798% | 68 |
| Equity capital to assets | 8.2903% | 4,901 |
| Core capital (leverage) ratio | 8.3121% | 4,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3517% | 2,990 |
| Memoranda: | ||
| Average total assets | $222,419,000 | 2,697 |
| Average earning assets | $211,021,500 | 2,655 |
| Average equity | $18,529,000 | 3,318 |
| Average total loans | $168,133,000 | 2,467 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 3,378 |
| Cost of funding earning assets | 1.0626% | 1,462 |
| Net interest margin | 3.2919% | 4,012 |
| Noninterest income to average assets | 0.3087% | 3,845 |
| Noninterest expense to average assets | 2.4901% | 3,477 |
| Loan and lease loss provision to assets | 0.0073% | 3,859 |
| Net operating income to assets | 0.7497% | 3,701 |
| Return on assets (ROA) | 0.7516% | 3,776 |
| Pretax return on assets | 0.9271% | 3,656 |
| Return on Equity (ROE) | 8.6386% | 2,892 |
| Retained earnings to average equity (ytd only) | 6.7126% | 1,521 |
| Net charge-offs to loans | -0.0220% | 4,646 |
| Credit loss provision to net charge-offs | -42.8571% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7663% | 1,761 |
| Assets per employee ($millions) | 3.9864% | 3,914 |
| Cash dividends to net income (ytd only)* | 22.2947% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 3,543 |
| Loan loss allowance to noncurrent loans | 288.8112% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,387 |
| Noncurrent loans to loans | 0.3451% | 3,209 |
| Net loans and leases to total assets | 74.8529% | 1,610 |
| Net loans and leases to deposits | 81.8202% | 2,579 |
| Net loans and leases to core deposits | 87.8015% | 2,623 |
| Total domestic deposits to total assets | 91.4846% | 69 |
| Equity capital to assets | 8.3722% | 4,960 |
| Core capital (leverage) ratio | 8.3649% | 4,918 |
| Tier 1 risk-based capital ratio | 11.4971% | 4,630 |
| Total risk-based capital ratio | 12.5366% | 4,630 |
| Memoranda: | ||
| Average total assets | $204,087,600 | 2,810 |
| Average earning assets | $193,020,800 | 2,771 |
| Average equity | $17,757,600 | 3,360 |
| Average total loans | $158,801,800 | 2,525 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 3,448 |
| Cost of funding earning assets | 1.0373% | 1,595 |
| Net interest margin | 3.3337% | 4,032 |
| Noninterest income to average assets | 0.3062% | 3,911 |
| Noninterest expense to average assets | 2.4523% | 3,558 |
| Loan and lease loss provision to assets | 0.0632% | 2,625 |
| Net operating income to assets | 0.7658% | 3,792 |
| Return on assets (ROA) | 0.7668% | 3,852 |
| Pretax return on assets | 0.9452% | 3,751 |
| Return on Equity (ROE) | 8.7231% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.4283% | 1,659 |
| Net charge-offs to loans | -0.0255% | 4,648 |
| Credit loss provision to net charge-offs | -316.6667% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8871% | 1,983 |
| Assets per employee ($millions) | 4.0695% | 3,802 |
| Cash dividends to net income (ytd only)* | 14.8435% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,223 |
| Loan loss allowance to noncurrent loans | 702.0325% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 4,153 |
| Noncurrent loans to loans | 0.1512% | 3,999 |
| Net loans and leases to total assets | 73.2454% | 1,956 |
| Net loans and leases to deposits | 80.0226% | 2,896 |
| Net loans and leases to core deposits | 86.9668% | 2,820 |
| Total domestic deposits to total assets | 91.5309% | 59 |
| Equity capital to assets | 8.2775% | 5,074 |
| Core capital (leverage) ratio | 8.3704% | 4,998 |
| Tier 1 risk-based capital ratio | 11.5752% | 4,635 |
| Total risk-based capital ratio | 12.6820% | 4,605 |
| Memoranda: | ||
| Average total assets | $200,297,000 | 2,858 |
| Average earning assets | $189,454,750 | 2,821 |
| Average equity | $17,608,000 | 3,399 |
| Average total loans | $157,060,500 | 2,572 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 3,413 |
| Cost of funding earning assets | 0.9858% | 1,763 |
| Net interest margin | 3.3864% | 3,935 |
| Noninterest income to average assets | 0.3003% | 3,925 |
| Noninterest expense to average assets | 2.4704% | 3,572 |
| Loan and lease loss provision to assets | 0.0929% | 1,993 |
| Net operating income to assets | 0.7626% | 3,781 |
| Return on assets (ROA) | 0.7626% | 3,845 |
| Pretax return on assets | 0.9380% | 3,750 |
| Return on Equity (ROE) | 8.4874% | 3,068 |
| Retained earnings to average equity (ytd only) | 6.5235% | 2,038 |
| Net charge-offs to loans | -0.0400% | 4,767 |
| Credit loss provision to net charge-offs | -290.3226% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5570% | 2,144 |
| Assets per employee ($millions) | 4.4612% | 3,202 |
| Cash dividends to net income (ytd only)* | 23.1394% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,104 |
| Loan loss allowance to noncurrent loans | 1,118.8312% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,399 |
| Noncurrent loans to loans | 0.0978% | 4,239 |
| Net loans and leases to total assets | 72.7201% | 2,109 |
| Net loans and leases to deposits | 79.4642% | 3,009 |
| Net loans and leases to core deposits | 87.3381% | 2,863 |
| Total domestic deposits to total assets | 91.5130% | 59 |
| Equity capital to assets | 8.2960% | 5,121 |
| Core capital (leverage) ratio | 8.8483% | 4,757 |
| Tier 1 risk-based capital ratio | 12.0473% | 4,388 |
| Total risk-based capital ratio | 13.2234% | 4,319 |
| Memoranda: | ||
| Average total assets | $193,811,670 | 2,924 |
| Average earning assets | $183,202,000 | 2,888 |
| Average equity | $17,414,000 | 3,424 |
| Average total loans | $155,185,330 | 2,607 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 2,989 |
| Cost of funding earning assets | 0.9369% | 1,855 |
| Net interest margin | 3.5279% | 3,509 |
| Noninterest income to average assets | 0.3202% | 3,721 |
| Noninterest expense to average assets | 2.6072% | 3,199 |
| Loan and lease loss provision to assets | 0.0980% | 1,787 |
| Net operating income to assets | 0.7623% | 3,742 |
| Return on assets (ROA) | 0.7623% | 3,787 |
| Pretax return on assets | 0.9366% | 3,650 |
| Return on Equity (ROE) | 8.1214% | 3,209 |
| Retained earnings to average equity (ytd only) | 8.1214% | 1,611 |
| Net charge-offs to loans | 0.0052% | 2,521 |
| Credit loss provision to net charge-offs | 2,250.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 237.5000% | 334 |
| Efficiency ratio | 71.5909% | 2,099 |
| Assets per employee ($millions) | 3.9845% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,408 |
| Loan loss allowance to noncurrent loans | 1,028.1250% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 3,976 |
| Noncurrent loans to loans | 0.1021% | 4,282 |
| Net loans and leases to total assets | 81.0598% | 705 |
| Net loans and leases to deposits | 89.3885% | 1,702 |
| Net loans and leases to core deposits | 95.4507% | 1,976 |
| Total domestic deposits to total assets | 90.6826% | 232 |
| Equity capital to assets | 9.1255% | 4,593 |
| Core capital (leverage) ratio | 9.5686% | 4,057 |
| Tier 1 risk-based capital ratio | 12.0125% | 4,449 |
| Total risk-based capital ratio | 13.1462% | 4,420 |
| Memoranda: | ||
| Average total assets | $183,648,000 | 3,051 |
| Average earning assets | $172,906,500 | 3,028 |
| Average equity | $17,238,500 | 3,455 |
| Average total loans | $154,055,500 | 2,650 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 3,122 |
| Cost of funding earning assets | 0.7055% | 2,059 |
| Net interest margin | 3.5915% | 3,413 |
| Noninterest income to average assets | 0.3260% | 3,923 |
| Noninterest expense to average assets | 2.7302% | 2,932 |
| Loan and lease loss provision to assets | -0.0734% | 5,236 |
| Net operating income to assets | 0.8505% | 3,607 |
| Return on assets (ROA) | 0.8505% | 3,603 |
| Pretax return on assets | 1.0420% | 3,472 |
| Return on Equity (ROE) | 8.8198% | 3,084 |
| Retained earnings to average equity (ytd only) | 6.9499% | 1,695 |
| Net charge-offs to loans | 0.1635% | 1,178 |
| Credit loss provision to net charge-offs | -54.1126% | 4,338 |
| Earnings coverage of net charge-offs (x) | 7.1385% | 3,013 |
| Efficiency ratio | 73.8129% | 1,647 |
| Assets per employee ($millions) | 3.9120% | 4,023 |
| Cash dividends to net income (ytd only)* | 21.2017% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,336 |
| Loan loss allowance to noncurrent loans | 976.8293% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 3,879 |
| Noncurrent loans to loans | 0.1083% | 4,245 |
| Net loans and leases to total assets | 85.1126% | 302 |
| Net loans and leases to deposits | 94.5068% | 1,227 |
| Net loans and leases to core deposits | 100.8372% | 1,658 |
| Total domestic deposits to total assets | 90.0597% | 457 |
| Equity capital to assets | 9.6705% | 3,980 |
| Core capital (leverage) ratio | 9.6290% | 3,973 |
| Tier 1 risk-based capital ratio | 12.1862% | 4,305 |
| Total risk-based capital ratio | 13.3292% | 4,266 |
| Memoranda: | ||
| Average total assets | $170,246,800 | 3,164 |
| Average earning assets | $159,879,600 | 3,140 |
| Average equity | $16,417,600 | 3,470 |
| Average total loans | $141,265,200 | 2,753 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,437 |
| Cost of funding earning assets | 0.6587% | 2,100 |
| Net interest margin | 3.4994% | 3,699 |
| Noninterest income to average assets | 0.3207% | 4,005 |
| Noninterest expense to average assets | 2.6105% | 3,251 |
| Loan and lease loss provision to assets | 0.0474% | 3,040 |
| Net operating income to assets | 0.7764% | 3,987 |
| Return on assets (ROA) | 0.7764% | 3,997 |
| Pretax return on assets | 0.9486% | 3,883 |
| Return on Equity (ROE) | 8.0575% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.7952% | 2,240 |
| Net charge-offs to loans | -0.0106% | 4,422 |
| Credit loss provision to net charge-offs | -545.4545% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3828% | 1,826 |
| Assets per employee ($millions) | 4.1536% | 3,650 |
| Cash dividends to net income (ytd only)* | 15.6665% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 1,704 |
| Loan loss allowance to noncurrent loans | 263.1647% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 2,957 |
| Noncurrent loans to loans | 0.5317% | 2,787 |
| Net loans and leases to total assets | 80.0524% | 1,010 |
| Net loans and leases to deposits | 88.4939% | 2,089 |
| Net loans and leases to core deposits | 94.0112% | 2,286 |
| Total domestic deposits to total assets | 90.4610% | 357 |
| Equity capital to assets | 9.3212% | 4,254 |
| Core capital (leverage) ratio | 9.6428% | 3,996 |
| Tier 1 risk-based capital ratio | 12.5563% | 4,182 |
| Total risk-based capital ratio | 13.8089% | 4,063 |
| Memoranda: | ||
| Average total assets | $168,798,250 | 3,209 |
| Average earning assets | $158,501,250 | 3,182 |
| Average equity | $16,266,000 | 3,512 |
| Average total loans | $138,722,750 | 2,804 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,392 |
| Cost of funding earning assets | 0.6211% | 2,098 |
| Net interest margin | 3.4948% | 3,650 |
| Noninterest income to average assets | 0.3190% | 4,046 |
| Noninterest expense to average assets | 2.5772% | 3,390 |
| Loan and lease loss provision to assets | 0.0725% | 2,435 |
| Net operating income to assets | 0.7745% | 3,940 |
| Return on assets (ROA) | 0.7745% | 3,946 |
| Pretax return on assets | 0.9461% | 3,822 |
| Return on Equity (ROE) | 7.9437% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.0352% | 2,540 |
| Net charge-offs to loans | -0.0117% | 4,369 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6734% | 2,054 |
| Assets per employee ($millions) | 4.4466% | 3,212 |
| Cash dividends to net income (ytd only)* | 24.0250% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,601 |
| Loan loss allowance to noncurrent loans | 262.0957% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 2,944 |
| Noncurrent loans to loans | 0.5492% | 2,766 |
| Net loans and leases to total assets | 79.9958% | 1,022 |
| Net loans and leases to deposits | 88.5722% | 2,038 |
| Net loans and leases to core deposits | 94.3272% | 2,195 |
| Total domestic deposits to total assets | 90.3171% | 459 |
| Equity capital to assets | 9.4217% | 4,175 |
| Core capital (leverage) ratio | 9.7656% | 3,825 |
| Tier 1 risk-based capital ratio | 12.7724% | 4,025 |
| Total risk-based capital ratio | 14.0257% | 3,927 |
| Memoranda: | ||
| Average total assets | $165,530,000 | 3,261 |
| Average earning assets | $155,203,670 | 3,228 |
| Average equity | $16,138,670 | 3,542 |
| Average total loans | $136,628,670 | 2,836 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 3,168 |
| Cost of funding earning assets | 0.5836% | 2,148 |
| Net interest margin | 3.5359% | 3,401 |
| Noninterest income to average assets | 0.3045% | 4,127 |
| Noninterest expense to average assets | 2.6141% | 3,299 |
| Loan and lease loss provision to assets | 0.0891% | 2,023 |
| Net operating income to assets | 0.7402% | 3,947 |
| Return on assets (ROA) | 0.7402% | 3,946 |
| Pretax return on assets | 0.9011% | 3,850 |
| Return on Equity (ROE) | 7.4571% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.4571% | 2,074 |
| Net charge-offs to loans | -0.0089% | 4,203 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5275% | 2,119 |
| Assets per employee ($millions) | 4.3226% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 1,536 |
| Loan loss allowance to noncurrent loans | 165.7261% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 2,113 |
| Noncurrent loans to loans | 0.8926% | 2,041 |
| Net loans and leases to total assets | 80.9739% | 798 |
| Net loans and leases to deposits | 90.0857% | 1,683 |
| Net loans and leases to core deposits | 96.4504% | 1,946 |
| Total domestic deposits to total assets | 89.8855% | 704 |
| Equity capital to assets | 9.8357% | 3,759 |
| Core capital (leverage) ratio | 10.0310% | 3,498 |
| Tier 1 risk-based capital ratio | 13.1493% | 3,877 |
| Total risk-based capital ratio | 14.4037% | 3,779 |
| Memoranda: | ||
| Average total assets | $161,585,500 | 3,333 |
| Average earning assets | $150,797,000 | 3,319 |
| Average equity | $16,038,500 | 3,587 |
| Average total loans | $134,566,000 | 2,879 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 2,660 |
| Cost of funding earning assets | 0.4715% | 2,594 |
| Net interest margin | 3.7362% | 2,651 |
| Noninterest income to average assets | 0.3312% | 4,103 |
| Noninterest expense to average assets | 2.7542% | 2,939 |
| Loan and lease loss provision to assets | 0.3637% | 423 |
| Net operating income to assets | 0.3507% | 4,828 |
| Return on assets (ROA) | 0.3507% | 4,853 |
| Pretax return on assets | 0.6819% | 4,552 |
| Return on Equity (ROE) | 3.3558% | 4,728 |
| Retained earnings to average equity (ytd only) | 1.5163% | 4,393 |
| Net charge-offs to loans | -0.0069% | 4,704 |
| Credit loss provision to net charge-offs | -6,222.2222% | 5,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4833% | 2,149 |
| Assets per employee ($millions) | 4.4142% | 3,328 |
| Cash dividends to net income (ytd only)* | 54.8148% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,549 |
| Loan loss allowance to noncurrent loans | 154.6603% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 1,957 |
| Noncurrent loans to loans | 0.9439% | 1,887 |
| Net loans and leases to total assets | 83.1718% | 532 |
| Net loans and leases to deposits | 92.7730% | 1,410 |
| Net loans and leases to core deposits | 99.2312% | 1,772 |
| Total domestic deposits to total assets | 89.6509% | 709 |
| Equity capital to assets | 10.0188% | 3,684 |
| Core capital (leverage) ratio | 10.1103% | 3,303 |
| Tier 1 risk-based capital ratio | 12.9583% | 3,929 |
| Total risk-based capital ratio | 14.2119% | 3,830 |
| Memoranda: | ||
| Average total assets | $153,981,400 | 3,422 |
| Average earning assets | $142,952,600 | 3,411 |
| Average equity | $16,091,400 | 3,578 |
| Average total loans | $130,415,400 | 2,909 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 2,595 |
| Cost of funding earning assets | 0.4525% | 2,693 |
| Net interest margin | 3.7527% | 2,569 |
| Noninterest income to average assets | 0.3361% | 4,127 |
| Noninterest expense to average assets | 2.4868% | 3,780 |
| Loan and lease loss provision to assets | 0.1178% | 1,837 |
| Net operating income to assets | 0.8493% | 3,273 |
| Return on assets (ROA) | 0.8493% | 3,324 |
| Pretax return on assets | 1.2203% | 2,824 |
| Return on Equity (ROE) | 8.0408% | 3,105 |
| Retained earnings to average equity (ytd only) | 6.8177% | 1,789 |
| Net charge-offs to loans | -0.0062% | 4,502 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0160% | 3,377 |
| Assets per employee ($millions) | 4.3002% | 3,469 |
| Cash dividends to net income (ytd only)* | 15.2108% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 3,182 |
| Loan loss allowance to noncurrent loans | 389.3130% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 4,045 |
| Noncurrent loans to loans | 0.2961% | 3,878 |
| Net loans and leases to total assets | 84.7508% | 360 |
| Net loans and leases to deposits | 95.0174% | 1,198 |
| Net loans and leases to core deposits | 101.2057% | 1,607 |
| Total domestic deposits to total assets | 89.1950% | 781 |
| Equity capital to assets | 10.6932% | 3,170 |
| Core capital (leverage) ratio | 10.8140% | 2,632 |
| Tier 1 risk-based capital ratio | 13.6786% | 3,597 |
| Total risk-based capital ratio | 14.9287% | 3,525 |
| Memoranda: | ||
| Average total assets | $152,748,750 | 3,464 |
| Average earning assets | $142,008,000 | 3,450 |
| Average equity | $16,134,000 | 3,610 |
| Average total loans | $129,487,250 | 2,944 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,546 |
| Cost of funding earning assets | 0.4610% | 2,495 |
| Net interest margin | 3.7190% | 2,585 |
| Noninterest income to average assets | 0.3393% | 4,123 |
| Noninterest expense to average assets | 2.4174% | 4,001 |
| Loan and lease loss provision to assets | 0.1184% | 1,734 |
| Net operating income to assets | 0.8799% | 3,018 |
| Return on assets (ROA) | 0.8799% | 3,077 |
| Pretax return on assets | 1.2626% | 2,526 |
| Return on Equity (ROE) | 8.3656% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.5149% | 1,836 |
| Net charge-offs to loans | -0.0062% | 4,388 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6427% | 3,733 |
| Assets per employee ($millions) | 4.2105% | 3,596 |
| Cash dividends to net income (ytd only)* | 22.1226% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,430 |
| Loan loss allowance to noncurrent loans | 370.7500% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 4,068 |
| Noncurrent loans to loans | 0.3041% | 3,949 |
| Net loans and leases to total assets | 85.7915% | 287 |
| Net loans and leases to deposits | 96.2411% | 1,049 |
| Net loans and leases to core deposits | 102.6848% | 1,456 |
| Total domestic deposits to total assets | 89.1422% | 890 |
| Equity capital to assets | 10.7351% | 3,098 |
| Core capital (leverage) ratio | 10.7340% | 2,672 |
| Tier 1 risk-based capital ratio | 13.5924% | 3,644 |
| Total risk-based capital ratio | 14.8361% | 3,566 |
| Memoranda: | ||
| Average total assets | $152,062,330 | 3,494 |
| Average earning assets | $141,435,670 | 3,472 |
| Average equity | $15,994,000 | 3,641 |
| Average total loans | $128,406,000 | 2,972 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 2,548 |
| Cost of funding earning assets | 0.4658% | 2,377 |
| Net interest margin | 3.6643% | 2,634 |
| Noninterest income to average assets | 0.3204% | 4,258 |
| Noninterest expense to average assets | 2.2823% | 4,450 |
| Loan and lease loss provision to assets | 0.1182% | 1,612 |
| Net operating income to assets | 0.9061% | 2,729 |
| Return on assets (ROA) | 0.9061% | 2,786 |
| Pretax return on assets | 1.3289% | 2,141 |
| Return on Equity (ROE) | 8.7039% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.7039% | 1,189 |
| Net charge-offs to loans | -0.0126% | 4,519 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1972% | 4,285 |
| Assets per employee ($millions) | 4.7618% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 3,570 |
| Loan loss allowance to noncurrent loans | 281.9608% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 3,857 |
| Noncurrent loans to loans | 0.3979% | 3,666 |
| Net loans and leases to total assets | 83.1623% | 447 |
| Net loans and leases to deposits | 93.0527% | 1,216 |
| Net loans and leases to core deposits | 99.3407% | 1,554 |
| Total domestic deposits to total assets | 89.3712% | 964 |
| Equity capital to assets | 10.5291% | 3,151 |
| Core capital (leverage) ratio | 10.5959% | 2,793 |
| Tier 1 risk-based capital ratio | 13.8903% | 3,547 |
| Total risk-based capital ratio | 15.1363% | 3,463 |
| Memoranda: | ||
| Average total assets | $152,304,500 | 3,525 |
| Average earning assets | $141,690,000 | 3,502 |
| Average equity | $15,855,000 | 3,677 |
| Average total loans | $126,847,000 | 3,010 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 2,766 |
| Cost of funding earning assets | 0.5048% | 2,051 |
| Net interest margin | 3.6164% | 3,013 |
| Noninterest income to average assets | 0.3629% | 4,147 |
| Noninterest expense to average assets | 2.4802% | 4,075 |
| Loan and lease loss provision to assets | 0.1377% | 1,815 |
| Net operating income to assets | 0.7569% | 3,506 |
| Return on assets (ROA) | 0.7569% | 3,624 |
| Pretax return on assets | 1.0986% | 3,109 |
| Return on Equity (ROE) | 7.0355% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.1454% | 2,244 |
| Net charge-offs to loans | 0.0258% | 3,518 |
| Credit loss provision to net charge-offs | 629.0323% | 546 |
| Earnings coverage of net charge-offs (x) | 56.4839% | 939 |
| Efficiency ratio | 66.7363% | 3,476 |
| Assets per employee ($millions) | 4.9107% | 2,498 |
| Cash dividends to net income (ytd only)* | 26.8657% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,674 |
| Loan loss allowance to noncurrent loans | 271.2891% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,934 |
| Noncurrent loans to loans | 0.4079% | 3,687 |
| Net loans and leases to total assets | 81.5511% | 663 |
| Net loans and leases to deposits | 91.0228% | 1,575 |
| Net loans and leases to core deposits | 97.2763% | 1,817 |
| Total domestic deposits to total assets | 89.5941% | 825 |
| Equity capital to assets | 10.2909% | 3,396 |
| Core capital (leverage) ratio | 10.3990% | 2,990 |
| Tier 1 risk-based capital ratio | 13.8902% | 3,525 |
| Total risk-based capital ratio | 15.1202% | 3,453 |
| Memoranda: | ||
| Average total assets | $141,639,200 | 3,645 |
| Average earning assets | $131,345,600 | 3,626 |
| Average equity | $15,237,000 | 3,787 |
| Average total loans | $120,015,800 | 3,070 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,719 |
| Cost of funding earning assets | 0.5108% | 2,008 |
| Net interest margin | 3.6294% | 2,971 |
| Noninterest income to average assets | 0.3597% | 4,204 |
| Noninterest expense to average assets | 2.5133% | 3,947 |
| Loan and lease loss provision to assets | 0.1727% | 1,306 |
| Net operating income to assets | 0.7099% | 3,791 |
| Return on assets (ROA) | 0.7099% | 3,929 |
| Pretax return on assets | 1.0408% | 3,468 |
| Return on Equity (ROE) | 6.5212% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.2963% | 2,630 |
| Net charge-offs to loans | 0.0348% | 2,934 |
| Credit loss provision to net charge-offs | 580.6452% | 630 |
| Earnings coverage of net charge-offs (x) | 40.8086% | 1,221 |
| Efficiency ratio | 67.4389% | 3,333 |
| Assets per employee ($millions) | 4.8237% | 2,588 |
| Cash dividends to net income (ytd only)* | 18.7840% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 3,648 |
| Loan loss allowance to noncurrent loans | 260.7211% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 3,245 |
| Noncurrent loans to loans | 0.4352% | 3,727 |
| Net loans and leases to total assets | 82.7325% | 538 |
| Net loans and leases to deposits | 92.8373% | 1,392 |
| Net loans and leases to core deposits | 97.7546% | 1,836 |
| Total domestic deposits to total assets | 89.1155% | 843 |
| Equity capital to assets | 10.7905% | 3,253 |
| Core capital (leverage) ratio | 10.8429% | 2,634 |
| Tier 1 risk-based capital ratio | 14.3156% | 3,386 |
| Total risk-based capital ratio | 15.5651% | 3,318 |
| Memoranda: | ||
| Average total assets | $138,991,250 | 3,709 |
| Average earning assets | $128,943,500 | 3,686 |
| Average equity | $15,129,750 | 3,821 |
| Average total loans | $118,636,000 | 3,096 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 2,615 |
| Cost of funding earning assets | 0.5237% | 1,917 |
| Net interest margin | 3.6422% | 2,929 |
| Noninterest income to average assets | 0.3647% | 4,150 |
| Noninterest expense to average assets | 2.5357% | 3,925 |
| Loan and lease loss provision to assets | 0.1751% | 1,256 |
| Net operating income to assets | 0.7032% | 3,771 |
| Return on assets (ROA) | 0.7032% | 3,920 |
| Pretax return on assets | 1.0227% | 3,500 |
| Return on Equity (ROE) | 6.4404% | 3,831 |
| Retained earnings to average equity (ytd only) | 4.5831% | 2,993 |
| Net charge-offs to loans | 0.0594% | 2,343 |
| Credit loss provision to net charge-offs | 342.8571% | 865 |
| Earnings coverage of net charge-offs (x) | 23.4571% | 1,588 |
| Efficiency ratio | 67.9172% | 3,359 |
| Assets per employee ($millions) | 4.7525% | 2,625 |
| Cash dividends to net income (ytd only)* | 28.8382% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,979 |
| Loan loss allowance to noncurrent loans | 270.6612% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 3,372 |
| Noncurrent loans to loans | 0.4038% | 3,916 |
| Net loans and leases to total assets | 86.0096% | 252 |
| Net loans and leases to deposits | 96.7539% | 994 |
| Net loans and leases to core deposits | 101.1830% | 1,542 |
| Total domestic deposits to total assets | 88.8952% | 961 |
| Equity capital to assets | 11.0032% | 3,056 |
| Core capital (leverage) ratio | 10.8639% | 2,580 |
| Tier 1 risk-based capital ratio | 14.0957% | 3,550 |
| Total risk-based capital ratio | 15.3213% | 3,484 |
| Memoranda: | ||
| Average total assets | $137,084,670 | 3,771 |
| Average earning assets | $126,792,000 | 3,743 |
| Average equity | $14,968,000 | 3,857 |
| Average total loans | $117,815,670 | 3,115 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 2,555 |
| Cost of funding earning assets | 0.5314% | 1,857 |
| Net interest margin | 3.6466% | 2,898 |
| Noninterest income to average assets | 0.3540% | 4,196 |
| Noninterest expense to average assets | 2.5250% | 3,998 |
| Loan and lease loss provision to assets | 0.1755% | 1,160 |
| Net operating income to assets | 0.6729% | 3,861 |
| Return on assets (ROA) | 0.6729% | 3,982 |
| Pretax return on assets | 1.0065% | 3,457 |
| Return on Equity (ROE) | 6.1872% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.1872% | 2,284 |
| Net charge-offs to loans | -0.0034% | 4,200 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1137% | 3,450 |
| Assets per employee ($millions) | 4.8726% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 4,130 |
| Loan loss allowance to noncurrent loans | 236.8324% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 3,152 |
| Noncurrent loans to loans | 0.4588% | 3,800 |
| Net loans and leases to total assets | 85.8017% | 230 |
| Net loans and leases to deposits | 96.5380% | 889 |
| Net loans and leases to core deposits | 101.5264% | 1,371 |
| Total domestic deposits to total assets | 88.8787% | 1,166 |
| Equity capital to assets | 10.9930% | 2,953 |
| Core capital (leverage) ratio | 10.8410% | 2,581 |
| Tier 1 risk-based capital ratio | 14.1078% | 3,612 |
| Total risk-based capital ratio | 15.3240% | 3,575 |
| Memoranda: | ||
| Average total assets | $136,715,500 | 3,796 |
| Average earning assets | $125,705,500 | 3,794 |
| Average equity | $14,869,500 | 3,883 |
| Average total loans | $116,798,000 | 3,135 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,473 |
| Cost of funding earning assets | 0.5762% | 1,538 |
| Net interest margin | 3.6493% | 2,942 |
| Noninterest income to average assets | 0.3188% | 4,615 |
| Noninterest expense to average assets | 2.3475% | 4,655 |
| Loan and lease loss provision to assets | 0.2185% | 945 |
| Net operating income to assets | 0.7551% | 3,548 |
| Return on assets (ROA) | 0.7551% | 3,643 |
| Pretax return on assets | 1.1033% | 3,040 |
| Return on Equity (ROE) | 6.9747% | 3,526 |
| Retained earnings to average equity (ytd only) | 5.0326% | 2,391 |
| Net charge-offs to loans | 0.0106% | 4,101 |
| Credit loss provision to net charge-offs | 2,416.6667% | 145 |
| Earnings coverage of net charge-offs (x) | 146.1667% | 430 |
| Efficiency ratio | 63.9762% | 4,268 |
| Assets per employee ($millions) | 4.7241% | 2,701 |
| Cash dividends to net income (ytd only)* | 27.8443% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 4,246 |
| Loan loss allowance to noncurrent loans | 222.7273% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 3,142 |
| Noncurrent loans to loans | 0.4772% | 3,759 |
| Net loans and leases to total assets | 83.2298% | 464 |
| Net loans and leases to deposits | 93.3636% | 1,268 |
| Net loans and leases to core deposits | 97.6902% | 1,697 |
| Total domestic deposits to total assets | 89.1459% | 1,048 |
| Equity capital to assets | 10.7599% | 3,065 |
| Core capital (leverage) ratio | 10.6601% | 2,762 |
| Tier 1 risk-based capital ratio | 14.3478% | 3,523 |
| Total risk-based capital ratio | 15.5445% | 3,469 |
| Memoranda: | ||
| Average total assets | $132,694,400 | 3,836 |
| Average earning assets | $121,831,200 | 3,844 |
| Average equity | $14,366,200 | 3,928 |
| Average total loans | $113,204,000 | 3,147 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 2,407 |
| Cost of funding earning assets | 0.5860% | 1,493 |
| Net interest margin | 3.6628% | 2,917 |
| Noninterest income to average assets | 0.3181% | 4,664 |
| Noninterest expense to average assets | 2.3330% | 4,692 |
| Loan and lease loss provision to assets | 0.2381% | 746 |
| Net operating income to assets | 0.7587% | 3,640 |
| Return on assets (ROA) | 0.7587% | 3,742 |
| Pretax return on assets | 1.1092% | 3,181 |
| Return on Equity (ROE) | 6.9970% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.6891% | 2,453 |
| Net charge-offs to loans | 0.0189% | 3,558 |
| Credit loss provision to net charge-offs | 1,468.7500% | 250 |
| Earnings coverage of net charge-offs (x) | 83.1360% | 721 |
| Efficiency ratio | 63.3911% | 4,351 |
| Assets per employee ($millions) | 5.2318% | 2,029 |
| Cash dividends to net income (ytd only)* | 18.6914% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 4,677 |
| Loan loss allowance to noncurrent loans | 209.7122% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 3,314 |
| Noncurrent loans to loans | 0.4829% | 3,912 |
| Net loans and leases to total assets | 83.7848% | 398 |
| Net loans and leases to deposits | 93.9998% | 1,205 |
| Net loans and leases to core deposits | 98.4860% | 1,651 |
| Total domestic deposits to total assets | 89.1330% | 958 |
| Equity capital to assets | 10.7501% | 3,301 |
| Core capital (leverage) ratio | 10.9909% | 2,494 |
| Tier 1 risk-based capital ratio | 14.4344% | 3,612 |
| Total risk-based capital ratio | 15.5893% | 3,577 |
| Memoranda: | ||
| Average total assets | $131,618,250 | 3,902 |
| Average earning assets | $120,816,000 | 3,907 |
| Average equity | $14,272,500 | 3,983 |
| Average total loans | $112,692,750 | 3,188 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,252 |
| Cost of funding earning assets | 0.5932% | 1,462 |
| Net interest margin | 3.6847% | 2,776 |
| Noninterest income to average assets | 0.3196% | 4,673 |
| Noninterest expense to average assets | 2.3711% | 4,656 |
| Loan and lease loss provision to assets | 0.2459% | 721 |
| Net operating income to assets | 0.7407% | 3,683 |
| Return on assets (ROA) | 0.7407% | 3,790 |
| Pretax return on assets | 1.0818% | 3,249 |
| Return on Equity (ROE) | 6.8100% | 3,722 |
| Retained earnings to average equity (ytd only) | 4.8320% | 2,967 |
| Net charge-offs to loans | -0.0089% | 4,892 |
| Credit loss provision to net charge-offs | -3,200.0000% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1047% | 4,342 |
| Assets per employee ($millions) | 5.2235% | 2,015 |
| Cash dividends to net income (ytd only)* | 29.0456% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 4,953 |
| Loan loss allowance to noncurrent loans | 198.9267% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 3,371 |
| Noncurrent loans to loans | 0.4937% | 3,990 |
| Net loans and leases to total assets | 85.8601% | 247 |
| Net loans and leases to deposits | 96.5604% | 903 |
| Net loans and leases to core deposits | 100.8400% | 1,417 |
| Total domestic deposits to total assets | 88.9186% | 1,177 |
| Equity capital to assets | 10.9711% | 2,915 |
| Core capital (leverage) ratio | 10.8578% | 2,562 |
| Tier 1 risk-based capital ratio | 14.4892% | 3,644 |
| Total risk-based capital ratio | 15.6156% | 3,643 |
| Memoranda: | ||
| Average total assets | $130,148,670 | 3,958 |
| Average earning assets | $119,357,000 | 3,961 |
| Average equity | $14,155,670 | 4,020 |
| Average total loans | $111,878,330 | 3,211 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 2,151 |
| Cost of funding earning assets | 0.5913% | 1,495 |
| Net interest margin | 3.6923% | 2,645 |
| Noninterest income to average assets | 0.3079% | 4,724 |
| Noninterest expense to average assets | 2.3459% | 4,751 |
| Loan and lease loss provision to assets | 0.2617% | 614 |
| Net operating income to assets | 0.7419% | 3,587 |
| Return on assets (ROA) | 0.7419% | 3,713 |
| Pretax return on assets | 1.0837% | 3,142 |
| Return on Equity (ROE) | 6.8515% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.8515% | 2,077 |
| Net charge-offs to loans | -0.0072% | 4,606 |
| Credit loss provision to net charge-offs | -4,250.0000% | 5,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5530% | 4,545 |
| Assets per employee ($millions) | 5.2687% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 5,336 |
| Loan loss allowance to noncurrent loans | 181.4035% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 3,454 |
| Noncurrent loans to loans | 0.5120% | 4,043 |
| Net loans and leases to total assets | 83.7417% | 326 |
| Net loans and leases to deposits | 94.0541% | 974 |
| Net loans and leases to core deposits | 98.0480% | 1,468 |
| Total domestic deposits to total assets | 89.0356% | 1,241 |
| Equity capital to assets | 10.8300% | 3,166 |
| Core capital (leverage) ratio | 10.9946% | 2,419 |
| Tier 1 risk-based capital ratio | 14.6358% | 3,634 |
| Total risk-based capital ratio | 15.7014% | 3,671 |
| Memoranda: | ||
| Average total assets | $129,929,000 | 3,990 |
| Average earning assets | $119,058,000 | 3,994 |
| Average equity | $14,070,000 | 4,062 |
| Average total loans | $111,200,000 | 3,246 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 1,839 |
| Cost of funding earning assets | 0.6764% | 1,228 |
| Net interest margin | 3.8300% | 2,509 |
| Noninterest income to average assets | 0.3218% | 4,817 |
| Noninterest expense to average assets | 2.3464% | 4,982 |
| Loan and lease loss provision to assets | 0.2378% | 996 |
| Net operating income to assets | 0.8387% | 3,184 |
| Return on assets (ROA) | 0.8387% | 3,278 |
| Pretax return on assets | 1.2429% | 2,478 |
| Return on Equity (ROE) | 7.9073% | 3,183 |
| Retained earnings to average equity (ytd only) | 5.8520% | 2,020 |
| Net charge-offs to loans | 0.5051% | 808 |
| Credit loss provision to net charge-offs | 53.9568% | 3,403 |
| Earnings coverage of net charge-offs (x) | 3.3597% | 3,908 |
| Efficiency ratio | 61.3090% | 5,021 |
| Assets per employee ($millions) | 5.1256% | 2,162 |
| Cash dividends to net income (ytd only)* | 25.9924% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 5,626 |
| Loan loss allowance to noncurrent loans | 162.7148% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 3,448 |
| Noncurrent loans to loans | 0.5240% | 4,099 |
| Net loans and leases to total assets | 85.9342% | 210 |
| Net loans and leases to deposits | 96.4838% | 870 |
| Net loans and leases to core deposits | 101.1120% | 1,313 |
| Total domestic deposits to total assets | 89.0660% | 1,205 |
| Equity capital to assets | 10.8279% | 3,091 |
| Core capital (leverage) ratio | 10.5672% | 2,882 |
| Tier 1 risk-based capital ratio | 14.4993% | 3,777 |
| Total risk-based capital ratio | 15.4913% | 3,865 |
| Memoranda: | ||
| Average total assets | $126,152,800 | 4,058 |
| Average earning assets | $115,456,800 | 4,061 |
| Average equity | $13,380,000 | 4,122 |
| Average total loans | $110,076,000 | 3,217 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,782 |
| Cost of funding earning assets | 0.6923% | 1,184 |
| Net interest margin | 3.8336% | 2,498 |
| Noninterest income to average assets | 0.3215% | 4,864 |
| Noninterest expense to average assets | 2.3460% | 4,972 |
| Loan and lease loss provision to assets | 0.2228% | 1,024 |
| Net operating income to assets | 0.8489% | 3,185 |
| Return on assets (ROA) | 0.8489% | 3,278 |
| Pretax return on assets | 1.2606% | 2,530 |
| Return on Equity (ROE) | 8.0463% | 3,179 |
| Retained earnings to average equity (ytd only) | 6.6784% | 1,993 |
| Net charge-offs to loans | 0.0024% | 4,631 |
| Credit loss provision to net charge-offs | 10,500.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 698.1086% | 110 |
| Efficiency ratio | 61.2635% | 4,995 |
| Assets per employee ($millions) | 5.1616% | 2,061 |
| Cash dividends to net income (ytd only)* | 17.0001% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 3,858 |
| Loan loss allowance to noncurrent loans | 95.7909% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 2,668 |
| Noncurrent loans to loans | 1.3191% | 2,442 |
| Net loans and leases to total assets | 85.4440% | 226 |
| Net loans and leases to deposits | 95.6868% | 909 |
| Net loans and leases to core deposits | 99.9882% | 1,369 |
| Total domestic deposits to total assets | 89.2956% | 1,076 |
| Equity capital to assets | 10.5696% | 3,469 |
| Core capital (leverage) ratio | 10.5429% | 2,994 |
| Tier 1 risk-based capital ratio | 14.1357% | 4,114 |
| Total risk-based capital ratio | 15.3881% | 4,051 |
| Memoranda: | ||
| Average total assets | $125,655,750 | 4,101 |
| Average earning assets | $114,980,250 | 4,111 |
| Average equity | $13,256,250 | 4,166 |
| Average total loans | $109,829,000 | 3,242 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 1,712 |
| Cost of funding earning assets | 0.7065% | 1,164 |
| Net interest margin | 3.8289% | 2,451 |
| Noninterest income to average assets | 0.3212% | 4,848 |
| Noninterest expense to average assets | 2.3609% | 4,996 |
| Loan and lease loss provision to assets | 0.1927% | 1,268 |
| Net operating income to assets | 0.8592% | 3,017 |
| Return on assets (ROA) | 0.8592% | 3,119 |
| Pretax return on assets | 1.2752% | 2,351 |
| Return on Equity (ROE) | 8.1501% | 3,016 |
| Retained earnings to average equity (ytd only) | 6.0783% | 2,272 |
| Net charge-offs to loans | 0.0037% | 4,261 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 153 |
| Efficiency ratio | 61.6611% | 5,054 |
| Assets per employee ($millions) | 5.0163% | 2,197 |
| Cash dividends to net income (ytd only)* | 25.4206% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 4,485 |
| Loan loss allowance to noncurrent loans | 95.1044% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 2,859 |
| Noncurrent loans to loans | 1.2479% | 2,731 |
| Net loans and leases to total assets | 87.7000% | 108 |
| Net loans and leases to deposits | 98.2728% | 648 |
| Net loans and leases to core deposits | 102.8744% | 1,088 |
| Total domestic deposits to total assets | 89.2414% | 1,225 |
| Equity capital to assets | 10.6517% | 3,253 |
| Core capital (leverage) ratio | 10.4599% | 2,990 |
| Tier 1 risk-based capital ratio | 13.8345% | 4,364 |
| Total risk-based capital ratio | 15.0856% | 4,315 |
| Memoranda: | ||
| Average total assets | $124,527,670 | 4,145 |
| Average earning assets | $114,081,000 | 4,147 |
| Average equity | $13,128,670 | 4,196 |
| Average total loans | $109,216,000 | 3,262 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 1,811 |
| Cost of funding earning assets | 0.7193% | 1,127 |
| Net interest margin | 3.7809% | 2,549 |
| Noninterest income to average assets | 0.3127% | 4,862 |
| Noninterest expense to average assets | 2.3435% | 5,084 |
| Loan and lease loss provision to assets | 0.1934% | 1,220 |
| Net operating income to assets | 0.9574% | 2,370 |
| Return on assets (ROA) | 0.9574% | 2,442 |
| Pretax return on assets | 1.2153% | 2,418 |
| Return on Equity (ROE) | 9.1286% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.1286% | 1,210 |
| Net charge-offs to loans | 0.0074% | 3,497 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 218.5000% | 225 |
| Efficiency ratio | 62.4570% | 5,066 |
| Assets per employee ($millions) | 5.0179% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 4,859 |
| Loan loss allowance to noncurrent loans | 95.8207% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 3,159 |
| Noncurrent loans to loans | 1.2024% | 3,037 |
| Net loans and leases to total assets | 86.2389% | 137 |
| Net loans and leases to deposits | 96.5076% | 618 |
| Net loans and leases to core deposits | 101.2191% | 1,022 |
| Total domestic deposits to total assets | 89.3597% | 1,441 |
| Equity capital to assets | 10.5422% | 3,206 |
| Core capital (leverage) ratio | 10.6920% | 2,708 |
| Tier 1 risk-based capital ratio | 13.9137% | 4,380 |
| Total risk-based capital ratio | 15.1643% | 4,327 |
| Memoranda: | ||
| Average total assets | $124,088,000 | 4,192 |
| Average earning assets | $112,884,500 | 4,199 |
| Average equity | $13,014,000 | 4,232 |
| Average total loans | $108,172,500 | 3,299 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 1,831 |
| Cost of funding earning assets | 0.8621% | 901 |
| Net interest margin | 3.7493% | 2,851 |
| Noninterest income to average assets | 0.3163% | 5,072 |
| Noninterest expense to average assets | 2.3288% | 5,293 |
| Loan and lease loss provision to assets | 0.1626% | 2,243 |
| Net operating income to assets | 0.8262% | 3,153 |
| Return on assets (ROA) | 0.8262% | 3,240 |
| Pretax return on assets | 1.2482% | 2,373 |
| Return on Equity (ROE) | 8.1967% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.8898% | 1,481 |
| Net charge-offs to loans | 0.0010% | 5,462 |
| Credit loss provision to net charge-offs | 20,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,735.0000% | 22 |
| Efficiency ratio | 62.2744% | 5,163 |
| Assets per employee ($millions) | 4.9091% | 2,301 |
| Cash dividends to net income (ytd only)* | 15.9449% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,027 |
| Loan loss allowance to noncurrent loans | 90.3832% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 3,238 |
| Noncurrent loans to loans | 1.2451% | 3,053 |
| Net loans and leases to total assets | 86.1222% | 148 |
| Net loans and leases to deposits | 96.3421% | 705 |
| Net loans and leases to core deposits | 101.1958% | 1,076 |
| Total domestic deposits to total assets | 89.3920% | 1,388 |
| Equity capital to assets | 10.4320% | 3,246 |
| Core capital (leverage) ratio | 10.2493% | 3,218 |
| Tier 1 risk-based capital ratio | 13.7243% | 4,504 |
| Total risk-based capital ratio | 14.9747% | 4,447 |
| Memoranda: | ||
| Average total assets | $122,979,600 | 4,215 |
| Average earning assets | $112,287,000 | 4,215 |
| Average equity | $12,395,200 | 4,376 |
| Average total loans | $104,600,400 | 3,352 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,875 |
| Cost of funding earning assets | 0.8922% | 846 |
| Net interest margin | 3.7168% | 2,966 |
| Noninterest income to average assets | 0.3153% | 5,176 |
| Noninterest expense to average assets | 2.3103% | 5,301 |
| Loan and lease loss provision to assets | 0.1517% | 2,370 |
| Net operating income to assets | 0.8300% | 3,193 |
| Return on assets (ROA) | 0.8300% | 3,315 |
| Pretax return on assets | 1.2527% | 2,502 |
| Return on Equity (ROE) | 8.3079% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.4294% | 1,676 |
| Net charge-offs to loans | 0.0013% | 5,198 |
| Credit loss provision to net charge-offs | 14,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 1,299.2180% | 25 |
| Efficiency ratio | 62.1937% | 5,106 |
| Assets per employee ($millions) | 4.9436% | 2,246 |
| Cash dividends to net income (ytd only)* | 10.5747% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 5,427 |
| Loan loss allowance to noncurrent loans | 87.0526% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 3,529 |
| Noncurrent loans to loans | 1.2338% | 3,344 |
| Net loans and leases to total assets | 85.1792% | 184 |
| Net loans and leases to deposits | 95.1122% | 755 |
| Net loans and leases to core deposits | 100.1875% | 1,103 |
| Total domestic deposits to total assets | 89.5566% | 1,257 |
| Equity capital to assets | 10.2257% | 3,605 |
| Core capital (leverage) ratio | 10.2025% | 3,397 |
| Tier 1 risk-based capital ratio | 13.5221% | 4,740 |
| Total risk-based capital ratio | 14.7419% | 4,715 |
| Memoranda: | ||
| Average total assets | $123,042,500 | 4,248 |
| Average earning assets | $112,532,250 | 4,249 |
| Average equity | $12,293,250 | 4,434 |
| Average total loans | $104,025,750 | 3,387 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,890 |
| Cost of funding earning assets | 0.9113% | 847 |
| Net interest margin | 3.6754% | 3,057 |
| Noninterest income to average assets | 0.3256% | 5,097 |
| Noninterest expense to average assets | 2.2904% | 5,394 |
| Loan and lease loss provision to assets | 0.1465% | 2,503 |
| Net operating income to assets | 0.8367% | 3,115 |
| Return on assets (ROA) | 0.8367% | 3,268 |
| Pretax return on assets | 1.2632% | 2,431 |
| Return on Equity (ROE) | 8.4412% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.1110% | 1,842 |
| Net charge-offs to loans | 0.0039% | 4,842 |
| Credit loss provision to net charge-offs | 4,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 433.0000% | 113 |
| Efficiency ratio | 61.9006% | 5,186 |
| Assets per employee ($millions) | 4.8301% | 2,328 |
| Cash dividends to net income (ytd only)* | 15.7588% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 5,624 |
| Loan loss allowance to noncurrent loans | 115.6780% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 4,332 |
| Noncurrent loans to loans | 0.9085% | 4,108 |
| Net loans and leases to total assets | 81.8686% | 366 |
| Net loans and leases to deposits | 91.0236% | 1,050 |
| Net loans and leases to core deposits | 95.9408% | 1,365 |
| Total domestic deposits to total assets | 89.9421% | 1,061 |
| Equity capital to assets | 9.8612% | 4,108 |
| Core capital (leverage) ratio | 10.0528% | 3,444 |
| Tier 1 risk-based capital ratio | 13.3689% | 4,864 |
| Total risk-based capital ratio | 14.5444% | 4,868 |
| Memoranda: | ||
| Average total assets | $122,860,000 | 4,282 |
| Average earning assets | $112,805,000 | 4,274 |
| Average equity | $12,178,330 | 4,492 |
| Average total loans | $103,229,000 | 3,417 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,895 |
| Cost of funding earning assets | 0.9147% | 919 |
| Net interest margin | 3.6660% | 3,007 |
| Noninterest income to average assets | 0.2765% | 5,475 |
| Noninterest expense to average assets | 2.2354% | 5,597 |
| Loan and lease loss provision to assets | 0.1481% | 2,399 |
| Net operating income to assets | 0.8494% | 2,905 |
| Return on assets (ROA) | 0.8494% | 3,045 |
| Pretax return on assets | 1.2840% | 2,279 |
| Return on Equity (ROE) | 8.5462% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.5462% | 1,544 |
| Net charge-offs to loans | 0.0078% | 3,998 |
| Credit loss provision to net charge-offs | 2,250.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 217.5000% | 186 |
| Efficiency ratio | 60.9515% | 5,451 |
| Assets per employee ($millions) | 5.1199% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 5,955 |
| Loan loss allowance to noncurrent loans | 1,079.3814% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 6,353 |
| Noncurrent loans to loans | 0.0934% | 6,200 |
| Net loans and leases to total assets | 83.6357% | 203 |
| Net loans and leases to deposits | 93.0955% | 720 |
| Net loans and leases to core deposits | 97.8333% | 1,087 |
| Total domestic deposits to total assets | 89.8386% | 1,143 |
| Equity capital to assets | 9.9311% | 4,240 |
| Core capital (leverage) ratio | 10.0927% | 3,281 |
| Tier 1 risk-based capital ratio | 13.5790% | 4,812 |
| Total risk-based capital ratio | 14.7445% | 4,835 |
| Memoranda: | ||
| Average total assets | $121,498,500 | 4,356 |
| Average earning assets | $112,384,500 | 4,324 |
| Average equity | $12,075,500 | 4,558 |
| Average total loans | $102,891,000 | 3,440 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 1,395 |
| Cost of funding earning assets | 0.9827% | 1,445 |
| Net interest margin | 4.0798% | 2,084 |
| Noninterest income to average assets | 0.3649% | 4,873 |
| Noninterest expense to average assets | 2.3963% | 5,415 |
| Loan and lease loss provision to assets | 0.1606% | 3,610 |
| Net operating income to assets | 0.9733% | 2,447 |
| Return on assets (ROA) | 0.9733% | 2,679 |
| Pretax return on assets | 1.4711% | 1,777 |
| Return on Equity (ROE) | 9.9923% | 2,171 |
| Retained earnings to average equity (ytd only) | 8.5086% | 961 |
| Net charge-offs to loans | 0.0127% | 5,740 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 152.4167% | 275 |
| Efficiency ratio | 59.4906% | 5,618 |
| Assets per employee ($millions) | 4.8048% | 2,485 |
| Cash dividends to net income (ytd only)* | 14.8488% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 84.0509% | 210 |
| Net loans and leases to deposits | 93.5136% | 780 |
| Net loans and leases to core deposits | 99.0260% | 1,082 |
| Total domestic deposits to total assets | 89.8810% | 1,023 |
| Equity capital to assets | 9.9467% | 4,245 |
| Core capital (leverage) ratio | 10.1423% | 3,220 |
| Tier 1 risk-based capital ratio | 13.3630% | 4,844 |
| Total risk-based capital ratio | 14.4865% | 4,881 |
| Memoranda: | ||
| Average total assets | $112,091,800 | 4,545 |
| Average earning assets | $100,642,600 | 4,581 |
| Average equity | $10,918,400 | 4,777 |
| Average total loans | $94,669,200 | 3,648 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0974% | 1,434 |
| Cost of funding earning assets | 0.9846% | 1,655 |
| Net interest margin | 4.1128% | 2,047 |
| Noninterest income to average assets | 0.3294% | 5,161 |
| Noninterest expense to average assets | 2.4199% | 5,342 |
| Loan and lease loss provision to assets | 0.1635% | 3,477 |
| Net operating income to assets | 0.9447% | 2,768 |
| Return on assets (ROA) | 0.9447% | 2,996 |
| Pretax return on assets | 1.4292% | 2,145 |
| Return on Equity (ROE) | 9.7549% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.7544% | 1,325 |
| Net charge-offs to loans | 0.0043% | 5,702 |
| Credit loss provision to net charge-offs | 4,500.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 438.3225% | 101 |
| Efficiency ratio | 60.3079% | 5,448 |
| Assets per employee ($millions) | 4.6106% | 2,730 |
| Cash dividends to net income (ytd only)* | 10.2561% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 6,191 |
| Loan loss allowance to noncurrent loans | 4,208.6957% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 6,721 |
| Noncurrent loans to loans | 0.0230% | 6,581 |
| Net loans and leases to total assets | 85.7858% | 154 |
| Net loans and leases to deposits | 95.8753% | 667 |
| Net loans and leases to core deposits | 101.4560% | 1,023 |
| Total domestic deposits to total assets | 89.4764% | 1,143 |
| Equity capital to assets | 10.1696% | 4,245 |
| Core capital (leverage) ratio | 10.1996% | 3,282 |
| Tier 1 risk-based capital ratio | 13.7222% | 4,745 |
| Total risk-based capital ratio | 14.8563% | 4,771 |
| Memoranda: | ||
| Average total assets | $110,084,750 | 4,635 |
| Average earning assets | $98,584,500 | 4,675 |
| Average equity | $10,661,000 | 4,874 |
| Average total loans | $92,845,000 | 3,716 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0772% | 1,576 |
| Cost of funding earning assets | 0.9858% | 1,850 |
| Net interest margin | 4.0915% | 2,126 |
| Noninterest income to average assets | 0.3378% | 5,128 |
| Noninterest expense to average assets | 2.4364% | 5,340 |
| Loan and lease loss provision to assets | 0.1661% | 3,447 |
| Net operating income to assets | 0.9229% | 2,794 |
| Return on assets (ROA) | 0.9229% | 3,054 |
| Pretax return on assets | 1.3972% | 2,206 |
| Return on Equity (ROE) | 9.7018% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.7018% | 1,057 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9137% | 5,434 |
| Assets per employee ($millions) | 4.5313% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 6,292 |
| Loan loss allowance to noncurrent loans | 18,520.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,852 |
| Noncurrent loans to loans | 0.0052% | 6,708 |
| Net loans and leases to total assets | 84.2836% | 200 |
| Net loans and leases to deposits | 94.0207% | 770 |
| Net loans and leases to core deposits | 99.6587% | 1,125 |
| Total domestic deposits to total assets | 89.6436% | 1,132 |
| Equity capital to assets | 10.1648% | 4,102 |
| Core capital (leverage) ratio | 10.4286% | 2,882 |
| Tier 1 risk-based capital ratio | 14.0399% | 4,425 |
| Total risk-based capital ratio | 15.1691% | 4,485 |
| Memoranda: | ||
| Average total assets | $108,358,000 | 4,708 |
| Average earning assets | $96,981,670 | 4,732 |
| Average equity | $10,307,330 | 4,961 |
| Average total loans | $90,510,330 | 3,792 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 1,479 |
| Cost of funding earning assets | 1.0000% | 1,988 |
| Net interest margin | 4.1355% | 1,979 |
| Noninterest income to average assets | 0.3324% | 5,197 |
| Noninterest expense to average assets | 2.4628% | 5,277 |
| Loan and lease loss provision to assets | 0.1700% | 3,272 |
| Net operating income to assets | 0.9179% | 2,837 |
| Return on assets (ROA) | 0.9179% | 3,051 |
| Pretax return on assets | 1.3863% | 2,227 |
| Return on Equity (ROE) | 10.0170% | 2,400 |
| Retained earnings to average equity (ytd only) | 10.0170% | 1,266 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2782% | 5,406 |
| Assets per employee ($millions) | 4.4749% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 6,550 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 83.8153% | 190 |
| Net loans and leases to deposits | 92.9716% | 731 |
| Net loans and leases to core deposits | 98.8502% | 1,059 |
| Total domestic deposits to total assets | 90.1516% | 1,005 |
| Equity capital to assets | 9.5169% | 4,780 |
| Core capital (leverage) ratio | 9.6214% | 3,887 |
| Tier 1 risk-based capital ratio | 13.0379% | 5,189 |
| Total risk-based capital ratio | 14.1616% | 5,248 |
| Memoranda: | ||
| Average total assets | $105,895,500 | 4,792 |
| Average earning assets | $94,403,000 | 4,839 |
| Average equity | $9,703,500 | 5,119 |
| Average total loans | $87,563,000 | 3,897 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 1,992 |
| Cost of funding earning assets | 1.1878% | 2,106 |
| Net interest margin | 4.0308% | 2,729 |
| Noninterest income to average assets | 0.3066% | 5,348 |
| Noninterest expense to average assets | 2.7299% | 4,622 |
| Loan and lease loss provision to assets | 0.1686% | 4,533 |
| Net operating income to assets | 0.9117% | 2,550 |
| Return on assets (ROA) | 0.9117% | 2,668 |
| Pretax return on assets | 1.0220% | 3,158 |
| Return on Equity (ROE) | 10.2910% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.2910% | 512 |
| Net charge-offs to loans | 0.0063% | 6,341 |
| Credit loss provision to net charge-offs | 3,300.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 143 |
| Efficiency ratio | 69.6298% | 4,032 |
| Assets per employee ($millions) | 4.3497% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 6,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 6,607 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 79.8837% | 507 |
| Net loans and leases to deposits | 87.7941% | 1,409 |
| Net loans and leases to core deposits | 93.2547% | 1,772 |
| Total domestic deposits to total assets | 90.9898% | 512 |
| Equity capital to assets | 8.7994% | 5,797 |
| Core capital (leverage) ratio | 8.8490% | 5,022 |
| Tier 1 risk-based capital ratio | 12.1208% | 5,747 |
| Total risk-based capital ratio | 13.2245% | 5,829 |
| Memoranda: | ||
| Average total assets | $97,844,000 | 4,952 |
| Average earning assets | $87,725,400 | 4,997 |
| Average equity | $8,667,800 | 5,368 |
| Average total loans | $79,495,000 | 4,155 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 2,125 |
| Cost of funding earning assets | 1.2082% | 2,273 |
| Net interest margin | 4.0136% | 2,856 |
| Noninterest income to average assets | 0.3188% | 5,317 |
| Noninterest expense to average assets | 2.8008% | 4,340 |
| Loan and lease loss provision to assets | 0.1871% | 4,159 |
| Net operating income to assets | 0.8676% | 2,871 |
| Return on assets (ROA) | 0.8676% | 3,016 |
| Pretax return on assets | 0.9355% | 3,638 |
| Return on Equity (ROE) | 9.7754% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.7754% | 915 |
| Net charge-offs to loans | 0.0051% | 6,112 |
| Credit loss provision to net charge-offs | 4,500.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 269.9925% | 142 |
| Efficiency ratio | 71.3882% | 3,669 |
| Assets per employee ($millions) | 3.9412% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 6,639 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 80.2998% | 488 |
| Net loans and leases to deposits | 88.1004% | 1,426 |
| Net loans and leases to core deposits | 93.6589% | 1,818 |
| Total domestic deposits to total assets | 91.1458% | 392 |
| Equity capital to assets | 8.6766% | 6,107 |
| Core capital (leverage) ratio | 8.7784% | 5,299 |
| Tier 1 risk-based capital ratio | 12.4176% | 5,561 |
| Total risk-based capital ratio | 13.5466% | 5,654 |
| Memoranda: | ||
| Average total assets | $96,206,750 | 5,033 |
| Average earning assets | $86,405,000 | 5,079 |
| Average equity | $8,538,250 | 5,424 |
| Average total loans | $78,311,500 | 4,234 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 2,350 |
| Cost of funding earning assets | 1.2163% | 2,467 |
| Net interest margin | 3.9630% | 3,021 |
| Noninterest income to average assets | 0.3379% | 5,185 |
| Noninterest expense to average assets | 2.8135% | 4,373 |
| Loan and lease loss provision to assets | 0.1912% | 4,010 |
| Net operating income to assets | 0.8861% | 2,708 |
| Return on assets (ROA) | 0.8861% | 2,811 |
| Pretax return on assets | 0.8989% | 3,617 |
| Return on Equity (ROE) | 9.9042% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.9042% | 871 |
| Net charge-offs to loans | 0.0078% | 5,751 |
| Credit loss provision to net charge-offs | 3,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 210 |
| Efficiency ratio | 72.0740% | 3,717 |
| Assets per employee ($millions) | 3.9834% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 6,572 |
| Loan loss allowance to noncurrent loans | 5,450.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 6,640 |
| Noncurrent loans to loans | 0.0171% | 6,953 |
| Net loans and leases to total assets | 81.3092% | 425 |
| Net loans and leases to deposits | 89.2311% | 1,351 |
| Net loans and leases to core deposits | 93.1311% | 2,003 |
| Total domestic deposits to total assets | 91.1221% | 458 |
| Equity capital to assets | 8.6731% | 5,973 |
| Core capital (leverage) ratio | 8.9690% | 4,777 |
| Tier 1 risk-based capital ratio | 12.2772% | 5,536 |
| Total risk-based capital ratio | 13.3626% | 5,667 |
| Memoranda: | ||
| Average total assets | $94,118,670 | 5,134 |
| Average earning assets | $84,683,330 | 5,173 |
| Average equity | $8,420,670 | 5,483 |
| Average total loans | $76,718,000 | 4,322 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0410% | 2,903 |
| Cost of funding earning assets | 1.2301% | 2,632 |
| Net interest margin | 3.8109% | 3,562 |
| Noninterest income to average assets | 0.3370% | 5,211 |
| Noninterest expense to average assets | 2.7663% | 4,580 |
| Loan and lease loss provision to assets | 0.1970% | 3,658 |
| Net operating income to assets | 0.8316% | 2,877 |
| Return on assets (ROA) | 0.8316% | 2,935 |
| Pretax return on assets | 0.8316% | 3,782 |
| Return on Equity (ROE) | 9.1429% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.1429% | 1,338 |
| Net charge-offs to loans | 0.0162% | 4,851 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 398 |
| Efficiency ratio | 72.8950% | 3,703 |
| Assets per employee ($millions) | 3.8457% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 6,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 6,697 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 83.5713% | 246 |
| Net loans and leases to deposits | 92.1453% | 1,005 |
| Net loans and leases to core deposits | 99.4084% | 1,391 |
| Total domestic deposits to total assets | 90.6952% | 766 |
| Equity capital to assets | 9.1087% | 5,029 |
| Core capital (leverage) ratio | 9.2486% | 4,214 |
| Tier 1 risk-based capital ratio | 12.3572% | 5,387 |
| Total risk-based capital ratio | 13.4131% | 5,534 |
| Memoranda: | ||
| Average total assets | $91,386,000 | 5,255 |
| Average earning assets | $82,919,500 | 5,274 |
| Average equity | $8,312,500 | 5,515 |
| Average total loans | $74,210,000 | 4,452 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 4,484 |
| Cost of funding earning assets | 1.3295% | 3,691 |
| Net interest margin | 3.6855% | 4,416 |
| Noninterest income to average assets | 0.3855% | 5,018 |
| Noninterest expense to average assets | 3.0107% | 3,807 |
| Loan and lease loss provision to assets | 0.1706% | 5,518 |
| Net operating income to assets | 1.0099% | 2,006 |
| Return on assets (ROA) | 1.0099% | 2,112 |
| Pretax return on assets | 0.6939% | 3,998 |
| Return on Equity (ROE) | 10.3524% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.3524% | 457 |
| Net charge-offs to loans | 0.1113% | 5,764 |
| Credit loss provision to net charge-offs | 192.8571% | 1,655 |
| Earnings coverage of net charge-offs (x) | 9.7714% | 1,785 |
| Efficiency ratio | 77.6908% | 2,760 |
| Assets per employee ($millions) | 4.1125% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 6,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 6,758 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 77.2503% | 1,056 |
| Net loans and leases to deposits | 85.1025% | 2,264 |
| Net loans and leases to core deposits | 89.9999% | 2,766 |
| Total domestic deposits to total assets | 90.7732% | 706 |
| Equity capital to assets | 9.0831% | 5,015 |
| Core capital (leverage) ratio | 9.4390% | 3,788 |
| Tier 1 risk-based capital ratio | 12.4249% | 5,088 |
| Total risk-based capital ratio | 13.4476% | 5,272 |
| Memoranda: | ||
| Average total assets | $79,118,000 | 5,617 |
| Average earning assets | $74,915,400 | 5,516 |
| Average equity | $7,718,000 | 5,798 |
| Average total loans | $62,897,200 | 4,959 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 4,630 |
| Cost of funding earning assets | 1.3521% | 3,886 |
| Net interest margin | 3.6865% | 4,475 |
| Noninterest income to average assets | 0.4003% | 4,951 |
| Noninterest expense to average assets | 3.0851% | 3,398 |
| Loan and lease loss provision to assets | 0.1835% | 5,208 |
| Net operating income to assets | 0.6153% | 3,814 |
| Return on assets (ROA) | 0.6153% | 3,983 |
| Pretax return on assets | 0.6153% | 4,548 |
| Return on Equity (ROE) | 6.1810% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.1810% | 2,273 |
| Net charge-offs to loans | 0.0087% | 6,542 |
| Credit loss provision to net charge-offs | 2,625.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 114.3189% | 278 |
| Efficiency ratio | 79.4329% | 2,430 |
| Assets per employee ($millions) | 3.8339% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 6,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 80.0154% | 746 |
| Net loans and leases to deposits | 88.3190% | 1,971 |
| Net loans and leases to core deposits | 93.5567% | 2,584 |
| Total domestic deposits to total assets | 90.5981% | 598 |
| Equity capital to assets | 9.2228% | 5,274 |
| Core capital (leverage) ratio | 9.5201% | 3,875 |
| Tier 1 risk-based capital ratio | 12.3041% | 5,179 |
| Total risk-based capital ratio | 13.4322% | 5,257 |
| Memoranda: | ||
| Average total assets | $76,278,500 | 5,760 |
| Average earning assets | $72,081,750 | 5,667 |
| Average equity | $7,593,000 | 5,913 |
| Average total loans | $60,979,250 | 5,103 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0204% | 4,849 |
| Cost of funding earning assets | 1.3401% | 4,251 |
| Net interest margin | 3.6803% | 4,449 |
| Noninterest income to average assets | 0.4267% | 4,702 |
| Noninterest expense to average assets | 3.1526% | 3,081 |
| Loan and lease loss provision to assets | 0.1902% | 4,978 |
| Net operating income to assets | 0.5544% | 4,068 |
| Return on assets (ROA) | 0.5544% | 4,211 |
| Pretax return on assets | 0.5544% | 4,723 |
| Return on Equity (ROE) | 5.4176% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.4176% | 2,666 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8926% | 2,313 |
| Assets per employee ($millions) | 3.7272% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 6,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 81.1118% | 655 |
| Net loans and leases to deposits | 90.1100% | 1,836 |
| Net loans and leases to core deposits | 94.3287% | 2,666 |
| Total domestic deposits to total assets | 90.0142% | 914 |
| Equity capital to assets | 9.7546% | 4,332 |
| Core capital (leverage) ratio | 10.1957% | 2,945 |
| Tier 1 risk-based capital ratio | 13.1694% | 4,309 |
| Total risk-based capital ratio | 14.3467% | 4,318 |
| Memoranda: | ||
| Average total assets | $73,589,670 | 5,884 |
| Average earning assets | $69,396,670 | 5,793 |
| Average equity | $7,531,000 | 5,957 |
| Average total loans | $58,572,000 | 5,246 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 5,256 |
| Cost of funding earning assets | 1.3489% | 4,506 |
| Net interest margin | 3.5950% | 4,754 |
| Noninterest income to average assets | 0.3312% | 5,494 |
| Noninterest expense to average assets | 3.1720% | 2,970 |
| Loan and lease loss provision to assets | 0.1684% | 4,844 |
| Net operating income to assets | 0.3874% | 4,893 |
| Return on assets (ROA) | 0.3874% | 5,031 |
| Pretax return on assets | 0.3874% | 5,335 |
| Return on Equity (ROE) | 3.6903% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.6903% | 3,942 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0904% | 1,897 |
| Assets per employee ($millions) | 3.4912% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 6,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 78.6022% | 1,038 |
| Net loans and leases to deposits | 87.7472% | 2,269 |
| Net loans and leases to core deposits | 90.4735% | 3,303 |
| Total domestic deposits to total assets | 89.5780% | 1,189 |
| Equity capital to assets | 10.2392% | 3,548 |
| Core capital (leverage) ratio | 10.5679% | 2,558 |
| Tier 1 risk-based capital ratio | 14.0152% | 3,645 |
| Total risk-based capital ratio | 15.2158% | 3,640 |
| Memoranda: | ||
| Average total assets | $71,249,000 | 6,014 |
| Average earning assets | $67,315,500 | 5,923 |
| Average equity | $7,479,000 | 6,023 |
| Average total loans | $55,774,000 | 5,431 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 5,296 |
| Cost of funding earning assets | 1.6535% | 4,776 |
| Net interest margin | 3.6238% | 4,455 |
| Noninterest income to average assets | 0.3896% | 5,297 |
| Noninterest expense to average assets | 3.6037% | 2,132 |
| Loan and lease loss provision to assets | 0.3123% | 4,948 |
| Net operating income to assets | -0.3174% | 5,997 |
| Return on assets (ROA) | -0.3090% | 5,979 |
| Pretax return on assets | -0.3090% | 5,841 |
| Return on Equity (ROE) | -2.4529% | 5,916 |
| Retained earnings to average equity (ytd only) | -2.4529% | 5,605 |
| Net charge-offs to loans | 0.0115% | 7,068 |
| Credit loss provision to net charge-offs | 3,720.0000% | 97 |
| Earnings coverage of net charge-offs (x) | -0.6000% | 6,751 |
| Efficiency ratio | 100.1400% | 1,094 |
| Assets per employee ($millions) | 3.2944% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 5,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 76.1296% | 1,758 |
| Net loans and leases to deposits | 85.4584% | 3,005 |
| Net loans and leases to core deposits | 110.3966% | 2,850 |
| Total domestic deposits to total assets | 89.0839% | 1,444 |
| Equity capital to assets | 10.7701% | 2,900 |
| Core capital (leverage) ratio | 10.8711% | 2,301 |
| Tier 1 risk-based capital ratio | 14.4067% | 3,258 |
| Total risk-based capital ratio | 15.5940% | 3,242 |
| Memoranda: | ||
| Average total assets | $59,549,600 | 6,368 |
| Average earning assets | $52,735,200 | 6,426 |
| Average equity | $7,501,200 | 6,088 |
| Average total loans | $43,579,800 | 5,952 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 5,434 |
| Cost of funding earning assets | 1.7088% | 4,853 |
| Net interest margin | 3.5895% | 4,514 |
| Noninterest income to average assets | 0.4037% | 5,248 |
| Noninterest expense to average assets | 3.7053% | 1,807 |
| Loan and lease loss provision to assets | 0.3640% | 4,137 |
| Net operating income to assets | -0.5483% | 6,477 |
| Return on assets (ROA) | -0.5367% | 6,463 |
| Pretax return on assets | -0.5367% | 6,344 |
| Return on Equity (ROE) | -4.0813% | 6,349 |
| Retained earnings to average equity (ytd only) | -4.0813% | 6,121 |
| Net charge-offs to loans | 0.0162% | 6,688 |
| Credit loss provision to net charge-offs | 3,120.0000% | 129 |
| Earnings coverage of net charge-offs (x) | -15.7916% | 6,930 |
| Efficiency ratio | 105.2353% | 877 |
| Assets per employee ($millions) | 2.6695% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 5,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 76.7828% | 1,826 |
| Net loans and leases to deposits | 87.0413% | 3,138 |
| Net loans and leases to core deposits | 114.1180% | 2,815 |
| Total domestic deposits to total assets | 88.2143% | 1,554 |
| Equity capital to assets | 11.5688% | 2,534 |
| Core capital (leverage) ratio | 12.0080% | 1,797 |
| Tier 1 risk-based capital ratio | 13.1103% | 4,115 |
| Total risk-based capital ratio | 14.1441% | 4,202 |
| Memoranda: | ||
| Average total assets | $57,141,500 | 6,499 |
| Average earning assets | $49,624,500 | 6,591 |
| Average equity | $7,513,750 | 6,140 |
| Average total loans | $41,155,000 | 6,099 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 5,959 |
| Cost of funding earning assets | 1.7293% | 5,130 |
| Net interest margin | 3.5006% | 4,798 |
| Noninterest income to average assets | 0.4231% | 5,094 |
| Noninterest expense to average assets | 3.7350% | 1,768 |
| Loan and lease loss provision to assets | 0.4231% | 3,427 |
| Net operating income to assets | -0.6930% | 6,744 |
| Return on assets (ROA) | -0.6748% | 6,732 |
| Pretax return on assets | -0.6748% | 6,580 |
| Return on Equity (ROE) | -4.9022% | 6,596 |
| Retained earnings to average equity (ytd only) | -4.9022% | 6,287 |
| Net charge-offs to loans | 0.0261% | 6,112 |
| Credit loss provision to net charge-offs | 2,320.0000% | 229 |
| Earnings coverage of net charge-offs (x) | -14.8000% | 6,550 |
| Efficiency ratio | 107.7895% | 916 |
| Assets per employee ($millions) | 2.7560% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 4,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 72.9244% | 2,971 |
| Net loans and leases to deposits | 93.6661% | 2,143 |
| Net loans and leases to core deposits | 127.0929% | 1,775 |
| Total domestic deposits to total assets | 77.8557% | 6,117 |
| Equity capital to assets | 12.8864% | 1,742 |
| Core capital (leverage) ratio | 13.1677% | 1,379 |
| Tier 1 risk-based capital ratio | 17.9028% | 2,048 |
| Total risk-based capital ratio | 19.1538% | 1,985 |
| Memoranda: | ||
| Average total assets | $54,832,330 | 6,643 |
| Average earning assets | $47,649,000 | 6,724 |
| Average equity | $7,547,670 | 6,162 |
| Average total loans | $38,281,670 | 6,283 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 6,383 |
| Cost of funding earning assets | 1.7669% | 5,285 |
| Net interest margin | 3.4119% | 5,087 |
| Noninterest income to average assets | 0.3602% | 5,560 |
| Noninterest expense to average assets | 3.7141% | 1,628 |
| Loan and lease loss provision to assets | 0.4952% | 2,497 |
| Net operating income to assets | -0.9079% | 7,198 |
| Return on assets (ROA) | -0.8704% | 7,197 |
| Pretax return on assets | -0.8704% | 7,078 |
| Return on Equity (ROE) | -6.1113% | 7,074 |
| Retained earnings to average equity (ytd only) | -6.1113% | 6,700 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5000% | 759 |
| Assets per employee ($millions) | 2.6798% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.6145% | 4,438 |
| Net loans and leases to deposits | 86.1654% | 3,598 |
| Net loans and leases to core deposits | 113.7034% | 3,034 |
| Total domestic deposits to total assets | 77.3100% | 6,206 |
| Equity capital to assets | 13.3609% | 1,590 |
| Core capital (leverage) ratio | 14.0928% | 1,169 |
| Tier 1 risk-based capital ratio | 19.5643% | 1,706 |
| Total risk-based capital ratio | 20.8144% | 1,655 |
| Memoranda: | ||
| Average total assets | $53,311,000 | 6,731 |
| Average earning assets | $45,957,000 | 6,839 |
| Average equity | $7,592,500 | 6,190 |
| Average total loans | $36,049,500 | 6,440 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 7,595 |
| Cost of funding earning assets | 1.8613% | 6,846 |
| Net interest margin | 3.4380% | 5,514 |
| Noninterest income to average assets | 0.3851% | 5,599 |
| Noninterest expense to average assets | 4.5461% | 847 |
| Loan and lease loss provision to assets | 0.6403% | 2,271 |
| Net operating income to assets | -1.6908% | 7,529 |
| Return on assets (ROA) | -1.6498% | 7,469 |
| Pretax return on assets | -1.6498% | 7,322 |
| Return on Equity (ROE) | -9.1143% | 7,209 |
| Retained earnings to average equity (ytd only) | -9.1143% | 6,983 |
| Net charge-offs to loans | 0.0040% | 6,937 |
| Credit loss provision to net charge-offs | 28,100.0000% | 18 |
| Earnings coverage of net charge-offs (x) | -461.0000% | 7,031 |
| Efficiency ratio | 130.0522% | 464 |
| Assets per employee ($millions) | 2.5173% | 7,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 4,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.9070% | 4,656 |
| Net loans and leases to deposits | 89.1562% | 3,608 |
| Net loans and leases to core deposits | 114.7817% | 3,257 |
| Total domestic deposits to total assets | 75.0447% | 6,443 |
| Equity capital to assets | 15.2266% | 1,106 |
| Core capital (leverage) ratio | 15.8688% | 848 |
| Tier 1 risk-based capital ratio | 21.2656% | 1,421 |
| Total risk-based capital ratio | 22.4691% | 1,394 |
| Memoranda: | ||
| Average total assets | $43,883,600 | 7,031 |
| Average earning assets | $39,703,600 | 7,049 |
| Average equity | $7,943,600 | 6,106 |
| Average total loans | $24,702,600 | 7,045 |