Home > Jim Thorpe Neighborhood Bank > Performance and Condition Ratios
Jim Thorpe Neighborhood Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5397% | 4,380 |
| Cost of funding earning assets | 0.8065% | 3,712 |
| Net interest margin | 2.7332% | 3,771 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.2497% | 2,983 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.6080% | 3,425 |
| Return on assets (ROA) | 0.6080% | 3,415 |
| Pretax return on assets | 0.6952% | 3,449 |
| Return on Equity (ROE) | 9.6300% | 2,600 |
| Retained earnings to average equity (ytd only) | 6.5555% | 2,040 |
| Net charge-offs to loans | -0.0682% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.0390% | 1,160 |
| Assets per employee ($millions) | 5.7729% | 3,005 |
| Cash dividends to net income (ytd only)* | 31.9350% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 2,790 |
| Loan loss allowance to noncurrent loans | 2,288.1356% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,550 |
| Noncurrent loans to loans | 0.0484% | 3,381 |
| Net loans and leases to total assets | 48.5700% | 3,694 |
| Net loans and leases to deposits | 52.3825% | 3,863 |
| Net loans and leases to core deposits | 56.1354% | 3,907 |
| Total domestic deposits to total assets | 92.7200% | 206 |
| Equity capital to assets | 6.8995% | 3,976 |
| Core capital (leverage) ratio | 9.0986% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9838% | 690 |
| Memoranda: | ||
| Average total assets | $243,103,000 | 2,722 |
| Average earning assets | $228,012,800 | 2,697 |
| Average equity | $15,345,800 | 3,238 |
| Average total loans | $123,253,600 | 2,920 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 4,408 |
| Cost of funding earning assets | 0.6873% | 3,795 |
| Net interest margin | 2.7473% | 3,814 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2297% | 2,995 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.5740% | 3,617 |
| Return on assets (ROA) | 0.5740% | 3,599 |
| Pretax return on assets | 0.6671% | 3,608 |
| Return on Equity (ROE) | 9.3100% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.1874% | 1,891 |
| Net charge-offs to loans | -0.0928% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.8591% | 1,023 |
| Assets per employee ($millions) | 5.8548% | 2,884 |
| Cash dividends to net income (ytd only)* | 12.1037% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 2,811 |
| Loan loss allowance to noncurrent loans | 1,409.3750% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,416 |
| Noncurrent loans to loans | 0.0787% | 3,197 |
| Net loans and leases to total assets | 47.8900% | 3,744 |
| Net loans and leases to deposits | 51.9748% | 3,875 |
| Net loans and leases to core deposits | 55.5399% | 3,874 |
| Total domestic deposits to total assets | 92.1400% | 427 |
| Equity capital to assets | 5.6404% | 4,096 |
| Core capital (leverage) ratio | 9.3754% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0656% | 696 |
| Memoranda: | ||
| Average total assets | $241,820,250 | 2,732 |
| Average earning assets | $226,786,000 | 2,708 |
| Average equity | $14,900,500 | 3,270 |
| Average total loans | $123,589,000 | 2,918 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3977% | 4,421 |
| Cost of funding earning assets | 0.6373% | 3,665 |
| Net interest margin | 2.7603% | 3,888 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.2423% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5576% | 3,682 |
| Return on assets (ROA) | 0.5576% | 3,688 |
| Pretax return on assets | 0.6432% | 3,717 |
| Return on Equity (ROE) | 8.7900% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.1759% | 2,230 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.7100% | 1,023 |
| Assets per employee ($millions) | 5.4003% | 3,232 |
| Cash dividends to net income (ytd only)* | 18.3459% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,081 |
| Loan loss allowance to noncurrent loans | 2,706.1224% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,613 |
| Noncurrent loans to loans | 0.0396% | 3,446 |
| Net loans and leases to total assets | 52.6900% | 3,357 |
| Net loans and leases to deposits | 57.9146% | 3,539 |
| Net loans and leases to core deposits | 61.4741% | 3,559 |
| Total domestic deposits to total assets | 90.9800% | 657 |
| Equity capital to assets | 6.5875% | 3,956 |
| Core capital (leverage) ratio | 9.2589% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9719% | 722 |
| Memoranda: | ||
| Average total assets | $238,508,667 | 2,761 |
| Average earning assets | $224,683,667 | 2,734 |
| Average equity | $15,134,000 | 3,256 |
| Average total loans | $124,145,667 | 2,905 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2885% | 4,443 |
| Cost of funding earning assets | 0.5802% | 3,441 |
| Net interest margin | 2.7083% | 4,063 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.1650% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5760% | 3,735 |
| Return on assets (ROA) | 0.5760% | 3,702 |
| Pretax return on assets | 0.6654% | 3,729 |
| Return on Equity (ROE) | 9.2500% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.7162% | 2,024 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.4912% | 1,126 |
| Assets per employee ($millions) | 5.6667% | 3,057 |
| Cash dividends to net income (ytd only)* | 5.7471% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,243 |
| Loan loss allowance to noncurrent loans | 1,339.3939% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 3,367 |
| Noncurrent loans to loans | 0.0793% | 3,168 |
| Net loans and leases to total assets | 51.8800% | 3,351 |
| Net loans and leases to deposits | 56.9534% | 3,514 |
| Net loans and leases to core deposits | 61.8676% | 3,453 |
| Total domestic deposits to total assets | 91.0900% | 772 |
| Equity capital to assets | 6.6269% | 3,988 |
| Core capital (leverage) ratio | 9.0292% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0145% | 742 |
| Memoranda: | ||
| Average total assets | $241,657,500 | 2,777 |
| Average earning assets | $228,187,500 | 2,750 |
| Average equity | $15,052,500 | 3,300 |
| Average total loans | $124,382,000 | 2,941 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9359% | 4,200 |
| Cost of funding earning assets | 0.2803% | 3,040 |
| Net interest margin | 2.6555% | 4,107 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.1493% | 3,159 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.5970% | 3,891 |
| Return on assets (ROA) | 0.5970% | 3,848 |
| Pretax return on assets | 0.6685% | 3,912 |
| Return on Equity (ROE) | 8.5100% | 3,253 |
| Retained earnings to average equity (ytd only) | 5.5591% | 2,805 |
| Net charge-offs to loans | 0.0040% | 2,310 |
| Credit loss provision to net charge-offs | 2,200.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 349.2000% | 435 |
| Efficiency ratio | 75.0785% | 1,111 |
| Assets per employee ($millions) | 5.9833% | 2,780 |
| Cash dividends to net income (ytd only)* | 34.7023% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,037 |
| Loan loss allowance to noncurrent loans | 2,706.1224% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,650 |
| Noncurrent loans to loans | 0.0395% | 3,490 |
| Net loans and leases to total assets | 49.9900% | 3,503 |
| Net loans and leases to deposits | 54.4933% | 3,653 |
| Net loans and leases to core deposits | 58.5435% | 3,583 |
| Total domestic deposits to total assets | 91.7400% | 706 |
| Equity capital to assets | 5.8427% | 4,146 |
| Core capital (leverage) ratio | 8.6182% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8922% | 731 |
| Memoranda: | ||
| Average total assets | $244,736,400 | 2,758 |
| Average earning assets | $230,461,000 | 2,731 |
| Average equity | $17,161,200 | 3,192 |
| Average total loans | $125,312,000 | 2,873 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8055% | 4,189 |
| Cost of funding earning assets | 0.2057% | 3,206 |
| Net interest margin | 2.5997% | 4,103 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.0921% | 3,228 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6209% | 3,784 |
| Return on assets (ROA) | 0.6209% | 3,740 |
| Pretax return on assets | 0.6901% | 3,819 |
| Return on Equity (ROE) | 8.5000% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.4991% | 2,191 |
| Net charge-offs to loans | 0.0042% | 2,047 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 433 |
| Efficiency ratio | 73.8930% | 1,284 |
| Assets per employee ($millions) | 6.0634% | 2,709 |
| Cash dividends to net income (ytd only)* | 11.7647% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,289 |
| Loan loss allowance to noncurrent loans | 2,042.1875% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,687 |
| Noncurrent loans to loans | 0.0511% | 3,511 |
| Net loans and leases to total assets | 48.6900% | 3,555 |
| Net loans and leases to deposits | 52.6217% | 3,692 |
| Net loans and leases to core deposits | 54.9624% | 3,687 |
| Total domestic deposits to total assets | 92.5300% | 711 |
| Equity capital to assets | 5.3184% | 4,184 |
| Core capital (leverage) ratio | 8.9752% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3713% | 808 |
| Memoranda: | ||
| Average total assets | $244,592,000 | 2,780 |
| Average earning assets | $230,069,750 | 2,759 |
| Average equity | $17,868,250 | 3,169 |
| Average total loans | $125,648,250 | 2,875 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7282% | 4,099 |
| Cost of funding earning assets | 0.1845% | 3,120 |
| Net interest margin | 2.5437% | 4,014 |
| Noninterest income to average assets | 0.4369% | 2,528 |
| Noninterest expense to average assets | 2.1266% | 3,075 |
| Loan and lease loss provision to assets | 0.0497% | 1,689 |
| Net operating income to assets | 0.6193% | 3,571 |
| Return on assets (ROA) | 0.6193% | 3,522 |
| Pretax return on assets | 0.6724% | 3,650 |
| Return on Equity (ROE) | 7.7371% | 3,091 |
| Retained earnings to average equity (ytd only) | 6.4734% | 2,183 |
| Net charge-offs to loans | 0.0032% | 1,944 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 435.5000% | 289 |
| Efficiency ratio | 74.6508% | 1,433 |
| Assets per employee ($millions) | 5.8523% | 2,872 |
| Cash dividends to net income (ytd only)* | 16.3320% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,553 |
| Loan loss allowance to noncurrent loans | 1,998.4375% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,717 |
| Noncurrent loans to loans | 0.0505% | 3,570 |
| Net loans and leases to total assets | 52.2491% | 3,127 |
| Net loans and leases to deposits | 57.5539% | 3,263 |
| Net loans and leases to core deposits | 58.8986% | 3,351 |
| Total domestic deposits to total assets | 90.7828% | 1,349 |
| Equity capital to assets | 6.9462% | 3,798 |
| Core capital (leverage) ratio | 8.8995% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6101% | 768 |
| Memoranda: | ||
| Average total assets | $241,235,333 | 2,820 |
| Average earning assets | $228,721,333 | 2,804 |
| Average equity | $19,309,667 | 3,122 |
| Average total loans | $125,764,000 | 2,886 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6367% | 4,056 |
| Cost of funding earning assets | 0.1827% | 3,052 |
| Net interest margin | 2.4540% | 3,987 |
| Noninterest income to average assets | 0.2679% | 3,524 |
| Noninterest expense to average assets | 2.1349% | 3,027 |
| Loan and lease loss provision to assets | 0.0496% | 1,482 |
| Net operating income to assets | 0.3853% | 3,989 |
| Return on assets (ROA) | 0.3853% | 3,953 |
| Pretax return on assets | 0.4151% | 4,009 |
| Return on Equity (ROE) | 4.5175% | 3,755 |
| Retained earnings to average equity (ytd only) | 4.1297% | 2,888 |
| Net charge-offs to loans | 0.0064% | 1,523 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 563 |
| Efficiency ratio | 82.1247% | 976 |
| Assets per employee ($millions) | 5.7765% | 3,030 |
| Cash dividends to net income (ytd only)* | 8.5837% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,757 |
| Loan loss allowance to noncurrent loans | 10,408.3333% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,035 |
| Noncurrent loans to loans | 0.0095% | 3,950 |
| Net loans and leases to total assets | 52.5416% | 2,936 |
| Net loans and leases to deposits | 58.5469% | 3,030 |
| Net loans and leases to core deposits | 59.9485% | 3,150 |
| Total domestic deposits to total assets | 89.7427% | 1,695 |
| Equity capital to assets | 7.9194% | 3,627 |
| Core capital (leverage) ratio | 8.9036% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2775% | 862 |
| Memoranda: | ||
| Average total assets | $241,881,500 | 2,833 |
| Average earning assets | $229,832,000 | 2,808 |
| Average equity | $20,631,000 | 3,091 |
| Average total loans | $125,322,500 | 2,901 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8086% | 4,193 |
| Cost of funding earning assets | 0.2013% | 3,451 |
| Net interest margin | 2.6073% | 4,037 |
| Noninterest income to average assets | 0.3206% | 3,491 |
| Noninterest expense to average assets | 2.2009% | 3,085 |
| Loan and lease loss provision to assets | 0.0734% | 1,632 |
| Net operating income to assets | 0.4529% | 4,178 |
| Return on assets (ROA) | 0.5137% | 4,106 |
| Pretax return on assets | 0.5837% | 4,131 |
| Return on Equity (ROE) | 5.2057% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.9860% | 3,636 |
| Net charge-offs to loans | 0.0076% | 2,296 |
| Credit loss provision to net charge-offs | 1,888.8889% | 320 |
| Earnings coverage of net charge-offs (x) | 151.2222% | 657 |
| Efficiency ratio | 78.9156% | 875 |
| Assets per employee ($millions) | 6.0226% | 2,750 |
| Cash dividends to net income (ytd only)* | 42.6409% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,837 |
| Loan loss allowance to noncurrent loans | 10,175.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,125 |
| Noncurrent loans to loans | 0.0096% | 4,028 |
| Net loans and leases to total assets | 50.1110% | 3,258 |
| Net loans and leases to deposits | 56.6585% | 3,366 |
| Net loans and leases to core deposits | 58.0895% | 3,467 |
| Total domestic deposits to total assets | 88.4439% | 1,818 |
| Equity capital to assets | 9.1145% | 3,498 |
| Core capital (leverage) ratio | 8.6875% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8517% | 780 |
| Memoranda: | ||
| Average total assets | $231,451,000 | 2,836 |
| Average earning assets | $219,113,400 | 2,816 |
| Average equity | $22,840,200 | 2,999 |
| Average total loans | $117,763,400 | 2,966 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8278% | 4,262 |
| Cost of funding earning assets | 0.2027% | 3,578 |
| Net interest margin | 2.6251% | 4,097 |
| Noninterest income to average assets | 0.3152% | 3,534 |
| Noninterest expense to average assets | 2.2280% | 2,980 |
| Loan and lease loss provision to assets | 0.0822% | 1,441 |
| Net operating income to assets | 0.4278% | 4,329 |
| Return on assets (ROA) | 0.5103% | 4,225 |
| Pretax return on assets | 0.5794% | 4,264 |
| Return on Equity (ROE) | 5.0659% | 4,108 |
| Retained earnings to average equity (ytd only) | 4.2168% | 3,505 |
| Net charge-offs to loans | 0.0103% | 1,933 |
| Credit loss provision to net charge-offs | 1,555.5556% | 388 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 836 |
| Efficiency ratio | 79.6940% | 765 |
| Assets per employee ($millions) | 5.7885% | 2,905 |
| Cash dividends to net income (ytd only)* | 16.7623% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,012 |
| Loan loss allowance to noncurrent loans | 1,401.1765% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,916 |
| Noncurrent loans to loans | 0.0677% | 3,756 |
| Net loans and leases to total assets | 52.4137% | 3,155 |
| Net loans and leases to deposits | 59.6566% | 3,264 |
| Net loans and leases to core deposits | 61.4566% | 3,364 |
| Total domestic deposits to total assets | 87.8590% | 1,931 |
| Equity capital to assets | 9.6891% | 3,196 |
| Core capital (leverage) ratio | 9.4280% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4225% | 759 |
| Memoranda: | ||
| Average total assets | $227,582,250 | 2,890 |
| Average earning assets | $215,046,500 | 2,870 |
| Average equity | $22,923,750 | 3,030 |
| Average total loans | $115,964,750 | 3,031 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8588% | 4,274 |
| Cost of funding earning assets | 0.2097% | 3,657 |
| Net interest margin | 2.6492% | 4,084 |
| Noninterest income to average assets | 0.3165% | 3,532 |
| Noninterest expense to average assets | 2.2805% | 2,824 |
| Loan and lease loss provision to assets | 0.0981% | 1,289 |
| Net operating income to assets | 0.3880% | 4,408 |
| Return on assets (ROA) | 0.5135% | 4,233 |
| Pretax return on assets | 0.5813% | 4,269 |
| Return on Equity (ROE) | 5.0306% | 4,120 |
| Retained earnings to average equity (ytd only) | 3.8690% | 3,561 |
| Net charge-offs to loans | 0.0372% | 1,262 |
| Credit loss provision to net charge-offs | 523.8095% | 665 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,332 |
| Efficiency ratio | 80.9494% | 727 |
| Assets per employee ($millions) | 5.3771% | 3,262 |
| Cash dividends to net income (ytd only)* | 23.0903% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,047 |
| Loan loss allowance to noncurrent loans | 187.1336% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 2,570 |
| Noncurrent loans to loans | 0.4996% | 2,182 |
| Net loans and leases to total assets | 53.9057% | 3,141 |
| Net loans and leases to deposits | 61.8124% | 3,224 |
| Net loans and leases to core deposits | 63.7878% | 3,308 |
| Total domestic deposits to total assets | 87.2085% | 2,214 |
| Equity capital to assets | 10.1830% | 2,688 |
| Core capital (leverage) ratio | 9.3104% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8038% | 723 |
| Memoranda: | ||
| Average total assets | $224,333,333 | 2,906 |
| Average earning assets | $211,764,667 | 2,891 |
| Average equity | $22,900,000 | 3,019 |
| Average total loans | $112,758,333 | 3,087 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7862% | 4,388 |
| Cost of funding earning assets | 0.2186% | 3,736 |
| Net interest margin | 2.5676% | 4,210 |
| Noninterest income to average assets | 0.3167% | 3,509 |
| Noninterest expense to average assets | 2.3347% | 2,688 |
| Loan and lease loss provision to assets | 0.0537% | 2,034 |
| Net operating income to assets | 0.2952% | 4,526 |
| Return on assets (ROA) | 0.5385% | 4,140 |
| Pretax return on assets | 0.6315% | 4,144 |
| Return on Equity (ROE) | 5.2688% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.9362% | 3,236 |
| Net charge-offs to loans | 0.0520% | 986 |
| Credit loss provision to net charge-offs | 214.2857% | 871 |
| Earnings coverage of net charge-offs (x) | 15.9286% | 1,331 |
| Efficiency ratio | 85.4058% | 535 |
| Assets per employee ($millions) | 5.4900% | 3,125 |
| Cash dividends to net income (ytd only)* | 6.3123% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,966 |
| Loan loss allowance to noncurrent loans | 98.8971% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 1,920 |
| Noncurrent loans to loans | 0.9810% | 1,379 |
| Net loans and leases to total assets | 48.7938% | 3,733 |
| Net loans and leases to deposits | 55.7352% | 3,812 |
| Net loans and leases to core deposits | 57.6482% | 3,862 |
| Total domestic deposits to total assets | 87.5458% | 2,069 |
| Equity capital to assets | 9.9294% | 2,769 |
| Core capital (leverage) ratio | 9.5769% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5167% | 729 |
| Memoranda: | ||
| Average total assets | $223,581,500 | 2,904 |
| Average earning assets | $210,469,500 | 2,889 |
| Average equity | $22,851,500 | 3,007 |
| Average total loans | $107,693,500 | 3,157 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1201% | 4,543 |
| Cost of funding earning assets | 0.3035% | 4,124 |
| Net interest margin | 2.8165% | 4,239 |
| Noninterest income to average assets | 0.9257% | 1,203 |
| Noninterest expense to average assets | 2.5340% | 2,739 |
| Loan and lease loss provision to assets | 0.0532% | 3,711 |
| Net operating income to assets | 0.9224% | 2,599 |
| Return on assets (ROA) | 1.0702% | 2,167 |
| Pretax return on assets | 1.1316% | 2,578 |
| Return on Equity (ROE) | 10.0857% | 1,971 |
| Retained earnings to average equity (ytd only) | 7.0154% | 1,390 |
| Net charge-offs to loans | 0.0020% | 3,333 |
| Credit loss provision to net charge-offs | 5,500.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 1,064.5000% | 111 |
| Efficiency ratio | 71.1165% | 1,792 |
| Assets per employee ($millions) | 5.2875% | 3,063 |
| Cash dividends to net income (ytd only)* | 30.4426% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,811 |
| Loan loss allowance to noncurrent loans | 253.5885% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,345 |
| Noncurrent loans to loans | 0.4001% | 2,775 |
| Net loans and leases to total assets | 46.5708% | 4,088 |
| Net loans and leases to deposits | 53.8283% | 4,120 |
| Net loans and leases to core deposits | 55.6919% | 4,165 |
| Total domestic deposits to total assets | 86.5172% | 2,138 |
| Equity capital to assets | 10.5158% | 2,661 |
| Core capital (leverage) ratio | 9.5186% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3734% | 733 |
| Memoranda: | ||
| Average total assets | $206,868,600 | 2,888 |
| Average earning assets | $193,713,200 | 2,877 |
| Average equity | $21,951,800 | 3,011 |
| Average total loans | $100,868,200 | 3,215 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1601% | 4,625 |
| Cost of funding earning assets | 0.3237% | 4,198 |
| Net interest margin | 2.8364% | 4,280 |
| Noninterest income to average assets | 0.3289% | 3,512 |
| Noninterest expense to average assets | 2.5121% | 2,799 |
| Loan and lease loss provision to assets | 0.0527% | 3,691 |
| Net operating income to assets | 0.3655% | 4,333 |
| Return on assets (ROA) | 0.5515% | 3,995 |
| Pretax return on assets | 0.6283% | 4,053 |
| Return on Equity (ROE) | 5.1847% | 3,835 |
| Retained earnings to average equity (ytd only) | 4.3700% | 2,864 |
| Net charge-offs to loans | 0.0013% | 3,171 |
| Credit loss provision to net charge-offs | 8,000.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 715.0000% | 170 |
| Efficiency ratio | 84.2546% | 585 |
| Assets per employee ($millions) | 5.2842% | 2,909 |
| Cash dividends to net income (ytd only)* | 15.7143% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 3,797 |
| Loan loss allowance to noncurrent loans | 259.0452% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 3,535 |
| Noncurrent loans to loans | 0.3769% | 2,937 |
| Net loans and leases to total assets | 47.1194% | 4,261 |
| Net loans and leases to deposits | 54.0492% | 4,335 |
| Net loans and leases to core deposits | 55.9377% | 4,383 |
| Total domestic deposits to total assets | 87.1787% | 1,592 |
| Equity capital to assets | 10.0840% | 3,158 |
| Core capital (leverage) ratio | 9.8544% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3905% | 853 |
| Memoranda: | ||
| Average total assets | $203,067,000 | 2,895 |
| Average earning assets | $189,906,750 | 2,896 |
| Average equity | $21,601,500 | 3,039 |
| Average total loans | $99,964,750 | 3,241 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3250% | 4,623 |
| Cost of funding earning assets | 0.3622% | 4,215 |
| Net interest margin | 2.9628% | 4,204 |
| Noninterest income to average assets | 0.3191% | 3,554 |
| Noninterest expense to average assets | 2.6233% | 2,588 |
| Loan and lease loss provision to assets | 0.0508% | 3,670 |
| Net operating income to assets | 0.3706% | 4,291 |
| Return on assets (ROA) | 0.5986% | 3,819 |
| Pretax return on assets | 0.6810% | 3,910 |
| Return on Equity (ROE) | 5.5196% | 3,666 |
| Retained earnings to average equity (ytd only) | 4.2826% | 2,785 |
| Net charge-offs to loans | 0.0020% | 2,944 |
| Credit loss provision to net charge-offs | 5,000.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 218 |
| Efficiency ratio | 84.7341% | 599 |
| Assets per employee ($millions) | 4.5608% | 3,707 |
| Cash dividends to net income (ytd only)* | 22.4109% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 3,661 |
| Loan loss allowance to noncurrent loans | 305.1829% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 3,708 |
| Noncurrent loans to loans | 0.3217% | 3,231 |
| Net loans and leases to total assets | 50.3075% | 4,150 |
| Net loans and leases to deposits | 58.5413% | 4,193 |
| Net loans and leases to core deposits | 60.8276% | 4,219 |
| Total domestic deposits to total assets | 85.9350% | 2,037 |
| Equity capital to assets | 11.0212% | 2,323 |
| Core capital (leverage) ratio | 9.9466% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4055% | 859 |
| Memoranda: | ||
| Average total assets | $196,777,333 | 2,925 |
| Average earning assets | $184,423,000 | 2,920 |
| Average equity | $21,342,000 | 3,046 |
| Average total loans | $98,084,333 | 3,269 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 4,702 |
| Cost of funding earning assets | 0.4367% | 4,211 |
| Net interest margin | 2.9998% | 4,280 |
| Noninterest income to average assets | 0.3531% | 3,406 |
| Noninterest expense to average assets | 2.6731% | 2,771 |
| Loan and lease loss provision to assets | 0.0411% | 3,260 |
| Net operating income to assets | 0.3961% | 4,143 |
| Return on assets (ROA) | 0.6611% | 3,465 |
| Pretax return on assets | 0.7432% | 3,559 |
| Return on Equity (ROE) | 6.1467% | 3,264 |
| Retained earnings to average equity (ytd only) | 6.1467% | 1,821 |
| Net charge-offs to loans | 0.0042% | 2,429 |
| Credit loss provision to net charge-offs | 2,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 294 |
| Efficiency ratio | 84.6004% | 791 |
| Assets per employee ($millions) | 4.3532% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,686 |
| Loan loss allowance to noncurrent loans | 295.1368% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,804 |
| Noncurrent loans to loans | 0.3400% | 3,279 |
| Net loans and leases to total assets | 50.0055% | 4,240 |
| Net loans and leases to deposits | 58.3892% | 4,272 |
| Net loans and leases to core deposits | 60.7825% | 4,323 |
| Total domestic deposits to total assets | 85.6417% | 2,151 |
| Equity capital to assets | 11.2973% | 2,591 |
| Core capital (leverage) ratio | 10.1623% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7423% | 773 |
| Memoranda: | ||
| Average total assets | $194,828,000 | 2,911 |
| Average earning assets | $182,278,500 | 2,899 |
| Average equity | $20,954,500 | 3,079 |
| Average total loans | $96,148,500 | 3,276 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5822% | 4,794 |
| Cost of funding earning assets | 0.4655% | 4,220 |
| Net interest margin | 3.1167% | 4,341 |
| Noninterest income to average assets | 0.3835% | 3,394 |
| Noninterest expense to average assets | 2.6372% | 3,069 |
| Loan and lease loss provision to assets | 0.0249% | 3,521 |
| Net operating income to assets | 0.5601% | 4,268 |
| Return on assets (ROA) | 0.6362% | 4,121 |
| Pretax return on assets | 0.7073% | 4,196 |
| Return on Equity (ROE) | 6.4041% | 3,779 |
| Retained earnings to average equity (ytd only) | 3.6408% | 3,175 |
| Net charge-offs to loans | 0.0439% | 2,511 |
| Credit loss provision to net charge-offs | 117.0732% | 2,158 |
| Earnings coverage of net charge-offs (x) | 30.4390% | 1,567 |
| Efficiency ratio | 80.2844% | 918 |
| Assets per employee ($millions) | 4.5026% | 3,216 |
| Cash dividends to net income (ytd only)* | 43.1485% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,545 |
| Loan loss allowance to noncurrent loans | 312.1311% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 3,864 |
| Noncurrent loans to loans | 0.3192% | 3,294 |
| Net loans and leases to total assets | 47.7465% | 4,438 |
| Net loans and leases to deposits | 55.1148% | 4,497 |
| Net loans and leases to core deposits | 61.0065% | 4,390 |
| Total domestic deposits to total assets | 86.6310% | 1,791 |
| Equity capital to assets | 10.2314% | 3,695 |
| Core capital (leverage) ratio | 9.6095% | 3,953 |
| Tier 1 risk-based capital ratio | 19.1992% | 1,477 |
| Total risk-based capital ratio | 20.1588% | 1,503 |
| Memoranda: | ||
| Average total assets | $192,703,200 | 2,898 |
| Average earning assets | $179,385,800 | 2,891 |
| Average equity | $19,144,000 | 3,208 |
| Average total loans | $93,438,600 | 3,330 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 4,887 |
| Cost of funding earning assets | 0.4306% | 4,398 |
| Net interest margin | 3.1579% | 4,388 |
| Noninterest income to average assets | 0.3839% | 3,415 |
| Noninterest expense to average assets | 2.6394% | 3,041 |
| Loan and lease loss provision to assets | 0.0174% | 3,564 |
| Net operating income to assets | 0.5960% | 4,304 |
| Return on assets (ROA) | 0.6982% | 4,080 |
| Pretax return on assets | 0.7741% | 4,183 |
| Return on Equity (ROE) | 7.0827% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.2274% | 2,266 |
| Net charge-offs to loans | 0.0588% | 1,982 |
| Credit loss provision to net charge-offs | 60.9756% | 2,701 |
| Earnings coverage of net charge-offs (x) | 23.7297% | 1,823 |
| Efficiency ratio | 79.5631% | 961 |
| Assets per employee ($millions) | 4.6887% | 2,929 |
| Cash dividends to net income (ytd only)* | 12.0759% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,568 |
| Loan loss allowance to noncurrent loans | 241.9271% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 3,805 |
| Noncurrent loans to loans | 0.4135% | 3,067 |
| Net loans and leases to total assets | 45.6032% | 4,625 |
| Net loans and leases to deposits | 52.4912% | 4,689 |
| Net loans and leases to core deposits | 57.8626% | 4,615 |
| Total domestic deposits to total assets | 86.8778% | 1,583 |
| Equity capital to assets | 10.2072% | 3,816 |
| Core capital (leverage) ratio | 10.3993% | 3,204 |
| Tier 1 risk-based capital ratio | 19.8211% | 1,395 |
| Total risk-based capital ratio | 20.7790% | 1,421 |
| Memoranda: | ||
| Average total assets | $191,350,250 | 2,937 |
| Average earning assets | $177,748,000 | 2,934 |
| Average equity | $18,862,500 | 3,264 |
| Average total loans | $92,912,000 | 3,377 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 4,882 |
| Cost of funding earning assets | 0.3923% | 4,540 |
| Net interest margin | 3.2569% | 4,227 |
| Noninterest income to average assets | 0.3746% | 3,436 |
| Noninterest expense to average assets | 2.7149% | 2,858 |
| Loan and lease loss provision to assets | 0.0266% | 3,288 |
| Net operating income to assets | 0.6162% | 4,264 |
| Return on assets (ROA) | 0.6162% | 4,303 |
| Pretax return on assets | 0.6545% | 4,435 |
| Return on Equity (ROE) | 6.3312% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.0081% | 2,767 |
| Net charge-offs to loans | 0.0624% | 1,754 |
| Credit loss provision to net charge-offs | 86.2069% | 2,168 |
| Earnings coverage of net charge-offs (x) | 22.0690% | 1,708 |
| Efficiency ratio | 79.9436% | 967 |
| Assets per employee ($millions) | 4.2391% | 3,512 |
| Cash dividends to net income (ytd only)* | 20.8981% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,536 |
| Loan loss allowance to noncurrent loans | 245.0521% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 3,754 |
| Noncurrent loans to loans | 0.4139% | 3,053 |
| Net loans and leases to total assets | 49.2323% | 4,511 |
| Net loans and leases to deposits | 56.9588% | 4,558 |
| Net loans and leases to core deposits | 62.5576% | 4,477 |
| Total domestic deposits to total assets | 86.4348% | 1,841 |
| Equity capital to assets | 10.5226% | 3,497 |
| Core capital (leverage) ratio | 10.1199% | 3,483 |
| Tier 1 risk-based capital ratio | 19.1899% | 1,514 |
| Total risk-based capital ratio | 20.1500% | 1,545 |
| Memoranda: | ||
| Average total assets | $187,929,330 | 2,971 |
| Average earning assets | $174,340,000 | 2,982 |
| Average equity | $18,290,330 | 3,318 |
| Average total loans | $92,925,670 | 3,393 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 4,932 |
| Cost of funding earning assets | 0.3204% | 4,778 |
| Net interest margin | 3.3120% | 4,136 |
| Noninterest income to average assets | 0.3308% | 3,647 |
| Noninterest expense to average assets | 2.7185% | 2,850 |
| Loan and lease loss provision to assets | 0.0424% | 2,788 |
| Net operating income to assets | 0.6404% | 4,121 |
| Return on assets (ROA) | 0.6404% | 4,159 |
| Pretax return on assets | 0.6383% | 4,445 |
| Return on Equity (ROE) | 6.8551% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.4238% | 2,270 |
| Net charge-offs to loans | 0.1247% | 996 |
| Credit loss provision to net charge-offs | 68.9655% | 1,859 |
| Earnings coverage of net charge-offs (x) | 11.0690% | 1,924 |
| Efficiency ratio | 79.9750% | 1,069 |
| Assets per employee ($millions) | 4.2377% | 3,565 |
| Cash dividends to net income (ytd only)* | 6.2914% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,672 |
| Loan loss allowance to noncurrent loans | 243.7500% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 3,675 |
| Noncurrent loans to loans | 0.4121% | 3,110 |
| Net loans and leases to total assets | 49.4669% | 4,500 |
| Net loans and leases to deposits | 58.0902% | 4,496 |
| Net loans and leases to core deposits | 59.7021% | 4,577 |
| Total domestic deposits to total assets | 85.1554% | 2,618 |
| Equity capital to assets | 9.6622% | 4,121 |
| Core capital (leverage) ratio | 9.9829% | 3,622 |
| Tier 1 risk-based capital ratio | 18.9398% | 1,556 |
| Total risk-based capital ratio | 19.8912% | 1,586 |
| Memoranda: | ||
| Average total assets | $188,633,000 | 3,007 |
| Average earning assets | $174,759,500 | 3,003 |
| Average equity | $17,622,000 | 3,396 |
| Average total loans | $93,003,500 | 3,430 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,923 |
| Cost of funding earning assets | 0.3357% | 4,374 |
| Net interest margin | 3.1585% | 4,558 |
| Noninterest income to average assets | 0.3582% | 3,700 |
| Noninterest expense to average assets | 2.6377% | 3,217 |
| Loan and lease loss provision to assets | 0.0570% | 3,028 |
| Net operating income to assets | 0.5205% | 4,618 |
| Return on assets (ROA) | 0.5205% | 4,616 |
| Pretax return on assets | 0.5754% | 4,670 |
| Return on Equity (ROE) | 5.9987% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.4415% | 3,692 |
| Net charge-offs to loans | -0.0098% | 4,485 |
| Credit loss provision to net charge-offs | -1,222.2222% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6595% | 901 |
| Assets per employee ($millions) | 4.3365% | 3,401 |
| Cash dividends to net income (ytd only)* | 42.6295% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,573 |
| Loan loss allowance to noncurrent loans | 183.1395% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 3,413 |
| Noncurrent loans to loans | 0.5558% | 2,608 |
| Net loans and leases to total assets | 48.1589% | 4,624 |
| Net loans and leases to deposits | 54.8724% | 4,711 |
| Net loans and leases to core deposits | 56.2258% | 4,770 |
| Total domestic deposits to total assets | 87.7652% | 1,407 |
| Equity capital to assets | 9.0290% | 4,551 |
| Core capital (leverage) ratio | 9.4592% | 4,160 |
| Tier 1 risk-based capital ratio | 18.6552% | 1,582 |
| Total risk-based capital ratio | 19.6156% | 1,605 |
| Memoranda: | ||
| Average total assets | $192,894,600 | 2,935 |
| Average earning assets | $177,839,600 | 2,946 |
| Average equity | $16,737,000 | 3,432 |
| Average total loans | $91,373,400 | 3,454 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 4,985 |
| Cost of funding earning assets | 0.3494% | 4,185 |
| Net interest margin | 3.0950% | 4,714 |
| Noninterest income to average assets | 0.3495% | 3,799 |
| Noninterest expense to average assets | 2.6133% | 3,243 |
| Loan and lease loss provision to assets | 0.0620% | 2,734 |
| Net operating income to assets | 0.4825% | 4,794 |
| Return on assets (ROA) | 0.4825% | 4,799 |
| Pretax return on assets | 0.5260% | 4,863 |
| Return on Equity (ROE) | 5.6175% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.5823% | 3,458 |
| Net charge-offs to loans | -0.0176% | 4,589 |
| Credit loss provision to net charge-offs | -750.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6322% | 805 |
| Assets per employee ($millions) | 4.3694% | 3,331 |
| Cash dividends to net income (ytd only)* | 18.4290% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,944 |
| Loan loss allowance to noncurrent loans | 180.5447% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 3,558 |
| Noncurrent loans to loans | 0.5368% | 2,776 |
| Net loans and leases to total assets | 48.2253% | 4,705 |
| Net loans and leases to deposits | 56.9868% | 4,701 |
| Net loans and leases to core deposits | 58.4401% | 4,760 |
| Total domestic deposits to total assets | 84.6254% | 2,751 |
| Equity capital to assets | 8.2015% | 5,085 |
| Core capital (leverage) ratio | 9.4946% | 4,180 |
| Tier 1 risk-based capital ratio | 18.4102% | 1,689 |
| Total risk-based capital ratio | 19.3407% | 1,719 |
| Memoranda: | ||
| Average total assets | $193,416,250 | 2,953 |
| Average earning assets | $178,216,000 | 2,965 |
| Average equity | $16,614,250 | 3,466 |
| Average total loans | $91,007,750 | 3,482 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 5,041 |
| Cost of funding earning assets | 0.3176% | 4,288 |
| Net interest margin | 3.0844% | 4,760 |
| Noninterest income to average assets | 0.3421% | 3,889 |
| Noninterest expense to average assets | 2.6359% | 3,200 |
| Loan and lease loss provision to assets | 0.0624% | 2,656 |
| Net operating income to assets | 0.4565% | 4,847 |
| Return on assets (ROA) | 0.4565% | 4,852 |
| Pretax return on assets | 0.4918% | 4,918 |
| Return on Equity (ROE) | 5.2334% | 4,484 |
| Retained earnings to average equity (ytd only) | 3.7909% | 3,703 |
| Net charge-offs to loans | -0.0224% | 4,611 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6271% | 794 |
| Assets per employee ($millions) | 4.1836% | 3,605 |
| Cash dividends to net income (ytd only)* | 27.5626% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 4,121 |
| Loan loss allowance to noncurrent loans | 212.3223% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 3,812 |
| Noncurrent loans to loans | 0.4470% | 3,097 |
| Net loans and leases to total assets | 48.5869% | 4,682 |
| Net loans and leases to deposits | 58.2548% | 4,630 |
| Net loans and leases to core deposits | 59.8033% | 4,716 |
| Total domestic deposits to total assets | 83.4041% | 3,280 |
| Equity capital to assets | 8.5479% | 4,910 |
| Core capital (leverage) ratio | 9.4246% | 4,209 |
| Tier 1 risk-based capital ratio | 18.4241% | 1,691 |
| Total risk-based capital ratio | 19.3355% | 1,739 |
| Memoranda: | ||
| Average total assets | $192,347,330 | 2,984 |
| Average earning assets | $177,605,000 | 2,984 |
| Average equity | $16,777,000 | 3,466 |
| Average total loans | $89,427,000 | 3,532 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3881% | 5,040 |
| Cost of funding earning assets | 0.2831% | 4,477 |
| Net interest margin | 3.1050% | 4,699 |
| Noninterest income to average assets | 0.3307% | 3,939 |
| Noninterest expense to average assets | 2.6272% | 3,256 |
| Loan and lease loss provision to assets | 0.0624% | 2,526 |
| Net operating income to assets | 0.4763% | 4,751 |
| Return on assets (ROA) | 0.4763% | 4,754 |
| Pretax return on assets | 0.5159% | 4,847 |
| Return on Equity (ROE) | 5.4072% | 4,347 |
| Retained earnings to average equity (ytd only) | 4.9821% | 3,180 |
| Net charge-offs to loans | -0.0552% | 5,013 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9598% | 948 |
| Assets per employee ($millions) | 4.1345% | 3,752 |
| Cash dividends to net income (ytd only)* | 7.8603% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,055 |
| Loan loss allowance to noncurrent loans | 997.7011% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 4,757 |
| Noncurrent loans to loans | 0.0984% | 4,533 |
| Net loans and leases to total assets | 46.0273% | 4,791 |
| Net loans and leases to deposits | 54.3880% | 4,775 |
| Net loans and leases to core deposits | 55.7400% | 4,849 |
| Total domestic deposits to total assets | 84.6278% | 3,063 |
| Equity capital to assets | 8.6588% | 4,854 |
| Core capital (leverage) ratio | 9.4477% | 4,128 |
| Tier 1 risk-based capital ratio | 19.3157% | 1,471 |
| Total risk-based capital ratio | 20.2472% | 1,514 |
| Memoranda: | ||
| Average total assets | $192,298,500 | 3,011 |
| Average earning assets | $178,034,000 | 3,014 |
| Average equity | $16,940,500 | 3,485 |
| Average total loans | $86,941,000 | 3,609 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 5,115 |
| Cost of funding earning assets | 0.2784% | 4,331 |
| Net interest margin | 2.9956% | 4,894 |
| Noninterest income to average assets | 0.3286% | 4,119 |
| Noninterest expense to average assets | 2.5087% | 3,754 |
| Loan and lease loss provision to assets | 0.0203% | 3,894 |
| Net operating income to assets | 0.3493% | 4,830 |
| Return on assets (ROA) | 0.3959% | 4,722 |
| Pretax return on assets | 0.6450% | 4,639 |
| Return on Equity (ROE) | 4.4851% | 4,355 |
| Retained earnings to average equity (ytd only) | 2.0992% | 4,059 |
| Net charge-offs to loans | 0.0930% | 2,150 |
| Credit loss provision to net charge-offs | 52.6316% | 3,297 |
| Earnings coverage of net charge-offs (x) | 15.3947% | 2,250 |
| Efficiency ratio | 80.8980% | 1,024 |
| Assets per employee ($millions) | 4.3202% | 3,455 |
| Cash dividends to net income (ytd only)* | 53.1969% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 4,121 |
| Loan loss allowance to noncurrent loans | 485.8824% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 4,460 |
| Noncurrent loans to loans | 0.1989% | 4,116 |
| Net loans and leases to total assets | 43.5420% | 4,999 |
| Net loans and leases to deposits | 49.4743% | 5,081 |
| Net loans and leases to core deposits | 50.6247% | 5,116 |
| Total domestic deposits to total assets | 88.0094% | 1,493 |
| Equity capital to assets | 8.9568% | 4,769 |
| Core capital (leverage) ratio | 9.0219% | 4,623 |
| Tier 1 risk-based capital ratio | 19.7396% | 1,369 |
| Total risk-based capital ratio | 20.6566% | 1,407 |
| Memoranda: | ||
| Average total assets | $197,516,400 | 2,942 |
| Average earning assets | $182,803,400 | 2,934 |
| Average equity | $17,435,400 | 3,441 |
| Average total loans | $81,691,600 | 3,714 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2609% | 5,158 |
| Cost of funding earning assets | 0.2879% | 4,244 |
| Net interest margin | 2.9731% | 4,978 |
| Noninterest income to average assets | 0.3147% | 4,286 |
| Noninterest expense to average assets | 2.4892% | 3,773 |
| Loan and lease loss provision to assets | 0.0134% | 3,879 |
| Net operating income to assets | 0.4619% | 4,846 |
| Return on assets (ROA) | 0.5413% | 4,641 |
| Pretax return on assets | 0.6589% | 4,709 |
| Return on Equity (ROE) | 6.1539% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.1983% | 2,747 |
| Net charge-offs to loans | 0.0859% | 1,940 |
| Credit loss provision to net charge-offs | 38.4615% | 3,005 |
| Earnings coverage of net charge-offs (x) | 16.4618% | 2,167 |
| Efficiency ratio | 81.2198% | 978 |
| Assets per employee ($millions) | 4.5571% | 3,036 |
| Cash dividends to net income (ytd only)* | 15.5277% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 4,203 |
| Loan loss allowance to noncurrent loans | 546.0526% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 4,760 |
| Noncurrent loans to loans | 0.1787% | 4,351 |
| Net loans and leases to total assets | 42.0012% | 5,112 |
| Net loans and leases to deposits | 48.9882% | 5,160 |
| Net loans and leases to core deposits | 50.1205% | 5,193 |
| Total domestic deposits to total assets | 85.7374% | 2,413 |
| Equity capital to assets | 9.1491% | 4,773 |
| Core capital (leverage) ratio | 9.1820% | 4,532 |
| Tier 1 risk-based capital ratio | 19.5032% | 1,480 |
| Total risk-based capital ratio | 20.4096% | 1,507 |
| Memoranda: | ||
| Average total assets | $198,293,000 | 2,964 |
| Average earning assets | $183,420,750 | 2,955 |
| Average equity | $17,441,000 | 3,472 |
| Average total loans | $80,745,500 | 3,766 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2543% | 5,175 |
| Cost of funding earning assets | 0.2702% | 4,372 |
| Net interest margin | 2.9841% | 4,946 |
| Noninterest income to average assets | 0.2987% | 4,399 |
| Noninterest expense to average assets | 2.5178% | 3,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4651% | 4,812 |
| Return on assets (ROA) | 0.4677% | 4,827 |
| Pretax return on assets | 0.5457% | 4,913 |
| Return on Equity (ROE) | 5.3910% | 4,316 |
| Retained earnings to average equity (ytd only) | 3.9907% | 3,331 |
| Net charge-offs to loans | 0.0479% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 28.2105% | 1,512 |
| Efficiency ratio | 82.2693% | 979 |
| Assets per employee ($millions) | 4.3550% | 3,336 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,862 |
| Loan loss allowance to noncurrent loans | 331.8898% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 4,506 |
| Noncurrent loans to loans | 0.3156% | 3,911 |
| Net loans and leases to total assets | 40.6439% | 5,203 |
| Net loans and leases to deposits | 49.9116% | 5,139 |
| Net loans and leases to core deposits | 51.1531% | 5,182 |
| Total domestic deposits to total assets | 81.4316% | 4,066 |
| Equity capital to assets | 9.2508% | 4,671 |
| Core capital (leverage) ratio | 8.9985% | 4,728 |
| Tier 1 risk-based capital ratio | 19.5900% | 1,452 |
| Total risk-based capital ratio | 20.5322% | 1,472 |
| Memoranda: | ||
| Average total assets | $197,553,670 | 2,990 |
| Average earning assets | $182,833,670 | 2,975 |
| Average equity | $17,139,670 | 3,516 |
| Average total loans | $79,311,670 | 3,804 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2206% | 5,217 |
| Cost of funding earning assets | 0.2439% | 4,585 |
| Net interest margin | 2.9768% | 4,939 |
| Noninterest income to average assets | 0.2541% | 4,720 |
| Noninterest expense to average assets | 2.5370% | 3,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4187% | 4,897 |
| Return on assets (ROA) | 0.4275% | 4,886 |
| Pretax return on assets | 0.4840% | 4,998 |
| Return on Equity (ROE) | 5.0946% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.6621% | 3,085 |
| Net charge-offs to loans | 0.0711% | 1,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 16.7857% | 1,628 |
| Efficiency ratio | 84.2599% | 949 |
| Assets per employee ($millions) | 4.4164% | 3,300 |
| Cash dividends to net income (ytd only)* | 8.4906% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,845 |
| Loan loss allowance to noncurrent loans | 276.2215% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 4,421 |
| Noncurrent loans to loans | 0.3898% | 3,710 |
| Net loans and leases to total assets | 39.2000% | 5,279 |
| Net loans and leases to deposits | 44.8207% | 5,341 |
| Net loans and leases to core deposits | 45.8414% | 5,368 |
| Total domestic deposits to total assets | 87.4595% | 2,008 |
| Equity capital to assets | 8.6037% | 5,151 |
| Core capital (leverage) ratio | 8.8008% | 4,954 |
| Tier 1 risk-based capital ratio | 19.2403% | 1,552 |
| Total risk-based capital ratio | 20.1790% | 1,591 |
| Memoranda: | ||
| Average total assets | $198,344,000 | 3,012 |
| Average earning assets | $183,690,000 | 3,005 |
| Average equity | $16,645,000 | 3,587 |
| Average total loans | $78,720,500 | 3,843 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1380% | 5,367 |
| Cost of funding earning assets | 0.2457% | 4,605 |
| Net interest margin | 2.8924% | 5,152 |
| Noninterest income to average assets | 0.3952% | 3,927 |
| Noninterest expense to average assets | 2.5250% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4571% | 4,775 |
| Return on assets (ROA) | 0.5631% | 4,474 |
| Pretax return on assets | 0.6790% | 4,560 |
| Return on Equity (ROE) | 6.0838% | 3,938 |
| Retained earnings to average equity (ytd only) | 3.8573% | 3,177 |
| Net charge-offs to loans | 0.0145% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 97.2727% | 615 |
| Efficiency ratio | 82.0801% | 1,194 |
| Assets per employee ($millions) | 4.3032% | 3,430 |
| Cash dividends to net income (ytd only)* | 36.5965% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,736 |
| Loan loss allowance to noncurrent loans | 266.0494% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 4,285 |
| Noncurrent loans to loans | 0.4118% | 3,669 |
| Net loans and leases to total assets | 39.3159% | 5,346 |
| Net loans and leases to deposits | 44.2975% | 5,421 |
| Net loans and leases to core deposits | 45.4646% | 5,450 |
| Total domestic deposits to total assets | 88.7541% | 1,234 |
| Equity capital to assets | 8.1794% | 5,483 |
| Core capital (leverage) ratio | 8.7131% | 5,061 |
| Tier 1 risk-based capital ratio | 18.9040% | 1,625 |
| Total risk-based capital ratio | 19.8518% | 1,666 |
| Memoranda: | ||
| Average total assets | $194,097,600 | 3,022 |
| Average earning assets | $179,922,400 | 3,018 |
| Average equity | $17,965,800 | 3,412 |
| Average total loans | $75,959,000 | 3,902 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1211% | 5,452 |
| Cost of funding earning assets | 0.2450% | 4,650 |
| Net interest margin | 2.8761% | 5,224 |
| Noninterest income to average assets | 0.3686% | 4,138 |
| Noninterest expense to average assets | 2.5156% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4443% | 4,891 |
| Return on assets (ROA) | 0.5191% | 4,726 |
| Pretax return on assets | 0.6061% | 4,861 |
| Return on Equity (ROE) | 5.4463% | 4,335 |
| Retained earnings to average equity (ytd only) | 4.5410% | 3,106 |
| Net charge-offs to loans | 0.0159% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 83.5533% | 752 |
| Efficiency ratio | 82.8935% | 1,086 |
| Assets per employee ($millions) | 4.2742% | 3,459 |
| Cash dividends to net income (ytd only)* | 16.6221% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,574 |
| Loan loss allowance to noncurrent loans | 267.4923% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 4,132 |
| Noncurrent loans to loans | 0.4280% | 3,756 |
| Net loans and leases to total assets | 38.7857% | 5,440 |
| Net loans and leases to deposits | 44.5756% | 5,495 |
| Net loans and leases to core deposits | 45.8800% | 5,516 |
| Total domestic deposits to total assets | 87.0110% | 1,896 |
| Equity capital to assets | 9.9720% | 4,149 |
| Core capital (leverage) ratio | 9.3127% | 4,445 |
| Tier 1 risk-based capital ratio | 20.9279% | 1,285 |
| Total risk-based capital ratio | 21.9836% | 1,291 |
| Memoranda: | ||
| Average total assets | $193,135,000 | 3,039 |
| Average earning assets | $179,034,750 | 3,034 |
| Average equity | $18,409,500 | 3,382 |
| Average total loans | $75,277,000 | 3,946 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1305% | 5,517 |
| Cost of funding earning assets | 0.2454% | 4,703 |
| Net interest margin | 2.8852% | 5,294 |
| Noninterest income to average assets | 0.3609% | 4,181 |
| Noninterest expense to average assets | 2.5171% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4548% | 4,850 |
| Return on assets (ROA) | 0.4984% | 4,789 |
| Pretax return on assets | 0.5688% | 4,974 |
| Return on Equity (ROE) | 5.3105% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.9884% | 3,364 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9019% | 1,163 |
| Assets per employee ($millions) | 4.1217% | 3,699 |
| Cash dividends to net income (ytd only)* | 24.8963% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,531 |
| Loan loss allowance to noncurrent loans | 238.5246% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 4,412 |
| Noncurrent loans to loans | 0.4902% | 3,613 |
| Net loans and leases to total assets | 38.9192% | 5,471 |
| Net loans and leases to deposits | 44.8591% | 5,535 |
| Net loans and leases to core deposits | 46.2146% | 5,554 |
| Total domestic deposits to total assets | 86.7588% | 2,033 |
| Equity capital to assets | 10.0935% | 4,100 |
| Core capital (leverage) ratio | 8.8923% | 4,948 |
| Tier 1 risk-based capital ratio | 20.9718% | 1,272 |
| Total risk-based capital ratio | 22.0572% | 1,276 |
| Memoranda: | ||
| Average total assets | $193,400,330 | 3,056 |
| Average earning assets | $179,329,670 | 3,051 |
| Average equity | $18,152,670 | 3,422 |
| Average total loans | $75,214,670 | 3,972 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1074% | 5,596 |
| Cost of funding earning assets | 0.2387% | 4,820 |
| Net interest margin | 2.8687% | 5,367 |
| Noninterest income to average assets | 0.3523% | 4,206 |
| Noninterest expense to average assets | 2.4250% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5102% | 4,590 |
| Return on assets (ROA) | 0.5120% | 4,687 |
| Pretax return on assets | 0.5878% | 4,853 |
| Return on Equity (ROE) | 5.6624% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.2547% | 2,782 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5442% | 1,539 |
| Assets per employee ($millions) | 4.5756% | 2,943 |
| Cash dividends to net income (ytd only)* | 7.2000% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,679 |
| Loan loss allowance to noncurrent loans | 256.0117% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 4,559 |
| Noncurrent loans to loans | 0.4559% | 3,811 |
| Net loans and leases to total assets | 37.5742% | 5,571 |
| Net loans and leases to deposits | 42.7931% | 5,634 |
| Net loans and leases to core deposits | 43.6117% | 5,669 |
| Total domestic deposits to total assets | 87.8044% | 1,746 |
| Equity capital to assets | 9.2126% | 4,977 |
| Core capital (leverage) ratio | 8.6962% | 5,179 |
| Tier 1 risk-based capital ratio | 21.0396% | 1,315 |
| Total risk-based capital ratio | 22.1369% | 1,309 |
| Memoranda: | ||
| Average total assets | $195,301,500 | 3,040 |
| Average earning assets | $180,985,500 | 3,036 |
| Average equity | $17,660,500 | 3,480 |
| Average total loans | $75,490,500 | 3,989 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 5,408 |
| Cost of funding earning assets | 0.2057% | 5,231 |
| Net interest margin | 3.0571% | 5,009 |
| Noninterest income to average assets | 0.5534% | 2,995 |
| Noninterest expense to average assets | 2.6648% | 3,712 |
| Loan and lease loss provision to assets | 0.0662% | 2,960 |
| Net operating income to assets | 0.6291% | 4,145 |
| Return on assets (ROA) | 0.6350% | 4,200 |
| Pretax return on assets | 0.6577% | 4,654 |
| Return on Equity (ROE) | 6.8463% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.2708% | 2,937 |
| Net charge-offs to loans | 0.1300% | 2,071 |
| Credit loss provision to net charge-offs | 118.8119% | 2,165 |
| Earnings coverage of net charge-offs (x) | 12.8812% | 2,418 |
| Efficiency ratio | 78.7800% | 1,848 |
| Assets per employee ($millions) | 4.6155% | 2,859 |
| Cash dividends to net income (ytd only)* | 37.6195% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 3,776 |
| Loan loss allowance to noncurrent loans | 589.8649% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 4,982 |
| Noncurrent loans to loans | 0.1943% | 4,708 |
| Net loans and leases to total assets | 38.8479% | 5,585 |
| Net loans and leases to deposits | 44.1329% | 5,647 |
| Net loans and leases to core deposits | 44.8531% | 5,688 |
| Total domestic deposits to total assets | 88.0248% | 1,611 |
| Equity capital to assets | 8.8702% | 5,249 |
| Core capital (leverage) ratio | 8.5458% | 5,381 |
| Tier 1 risk-based capital ratio | 20.5256% | 1,377 |
| Total risk-based capital ratio | 21.6109% | 1,391 |
| Memoranda: | ||
| Average total assets | $181,251,000 | 3,149 |
| Average earning assets | $167,738,400 | 3,149 |
| Average equity | $16,812,000 | 3,558 |
| Average total loans | $77,714,600 | 3,890 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3041% | 5,401 |
| Cost of funding earning assets | 0.1937% | 5,436 |
| Net interest margin | 3.1104% | 4,937 |
| Noninterest income to average assets | 0.6116% | 2,683 |
| Noninterest expense to average assets | 2.7242% | 3,482 |
| Loan and lease loss provision to assets | 0.0674% | 2,833 |
| Net operating income to assets | 0.6836% | 3,976 |
| Return on assets (ROA) | 0.6917% | 4,050 |
| Pretax return on assets | 0.7015% | 4,677 |
| Return on Equity (ROE) | 7.3699% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.4606% | 1,984 |
| Net charge-offs to loans | 0.1434% | 1,688 |
| Credit loss provision to net charge-offs | 107.1429% | 2,153 |
| Earnings coverage of net charge-offs (x) | 12.0949% | 2,435 |
| Efficiency ratio | 78.1740% | 1,926 |
| Assets per employee ($millions) | 4.1690% | 3,585 |
| Cash dividends to net income (ytd only)* | 12.3380% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 4,100 |
| Loan loss allowance to noncurrent loans | 475.1381% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 5,034 |
| Noncurrent loans to loans | 0.2362% | 4,727 |
| Net loans and leases to total assets | 41.3078% | 5,525 |
| Net loans and leases to deposits | 45.8092% | 5,657 |
| Net loans and leases to core deposits | 46.5125% | 5,716 |
| Total domestic deposits to total assets | 90.1736% | 506 |
| Equity capital to assets | 9.4170% | 4,863 |
| Core capital (leverage) ratio | 9.4427% | 4,377 |
| Tier 1 risk-based capital ratio | 21.1475% | 1,321 |
| Total risk-based capital ratio | 22.2432% | 1,317 |
| Memoranda: | ||
| Average total assets | $178,101,000 | 3,223 |
| Average earning assets | $164,520,750 | 3,222 |
| Average equity | $16,716,250 | 3,599 |
| Average total loans | $78,098,250 | 3,919 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 5,429 |
| Cost of funding earning assets | 0.1952% | 5,485 |
| Net interest margin | 3.1097% | 4,948 |
| Noninterest income to average assets | 0.7305% | 2,088 |
| Noninterest expense to average assets | 2.8108% | 3,189 |
| Loan and lease loss provision to assets | 0.0681% | 2,757 |
| Net operating income to assets | 0.7509% | 3,640 |
| Return on assets (ROA) | 0.7634% | 3,675 |
| Pretax return on assets | 0.7373% | 4,534 |
| Return on Equity (ROE) | 8.1426% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.7633% | 1,810 |
| Net charge-offs to loans | 0.1934% | 1,296 |
| Credit loss provision to net charge-offs | 78.9474% | 2,346 |
| Earnings coverage of net charge-offs (x) | 9.1974% | 2,479 |
| Efficiency ratio | 77.9981% | 2,073 |
| Assets per employee ($millions) | 3.9300% | 4,018 |
| Cash dividends to net income (ytd only)* | 16.9391% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 4,468 |
| Loan loss allowance to noncurrent loans | 397.1564% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 4,963 |
| Noncurrent loans to loans | 0.2702% | 4,702 |
| Net loans and leases to total assets | 44.6727% | 5,339 |
| Net loans and leases to deposits | 51.0073% | 5,451 |
| Net loans and leases to core deposits | 51.7762% | 5,549 |
| Total domestic deposits to total assets | 87.5811% | 1,855 |
| Equity capital to assets | 9.4517% | 4,711 |
| Core capital (leverage) ratio | 9.6110% | 4,124 |
| Tier 1 risk-based capital ratio | 20.4326% | 1,462 |
| Total risk-based capital ratio | 21.4802% | 1,478 |
| Memoranda: | ||
| Average total assets | $176,323,000 | 3,264 |
| Average earning assets | $162,912,000 | 3,262 |
| Average equity | $16,530,330 | 3,637 |
| Average total loans | $78,586,670 | 3,930 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2870% | 5,476 |
| Cost of funding earning assets | 0.1994% | 5,519 |
| Net interest margin | 3.0877% | 4,989 |
| Noninterest income to average assets | 0.3236% | 4,601 |
| Noninterest expense to average assets | 2.6513% | 3,743 |
| Loan and lease loss provision to assets | 0.0674% | 2,593 |
| Net operating income to assets | 0.4584% | 4,837 |
| Return on assets (ROA) | 0.4584% | 4,956 |
| Pretax return on assets | 0.4584% | 5,290 |
| Return on Equity (ROE) | 4.9087% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.4275% | 3,371 |
| Net charge-offs to loans | 0.0964% | 1,757 |
| Credit loss provision to net charge-offs | 157.8947% | 1,212 |
| Earnings coverage of net charge-offs (x) | 12.3158% | 1,807 |
| Efficiency ratio | 83.4512% | 1,438 |
| Assets per employee ($millions) | 4.1426% | 3,671 |
| Cash dividends to net income (ytd only)* | 9.8039% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 4,537 |
| Loan loss allowance to noncurrent loans | 346.0000% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,949 |
| Noncurrent loans to loans | 0.3171% | 4,656 |
| Net loans and leases to total assets | 44.8178% | 5,281 |
| Net loans and leases to deposits | 49.9235% | 5,463 |
| Net loans and leases to core deposits | 50.7342% | 5,556 |
| Total domestic deposits to total assets | 89.7729% | 857 |
| Equity capital to assets | 9.8115% | 4,376 |
| Core capital (leverage) ratio | 9.1023% | 4,841 |
| Tier 1 risk-based capital ratio | 20.5178% | 1,525 |
| Total risk-based capital ratio | 21.6284% | 1,518 |
| Memoranda: | ||
| Average total assets | $178,023,500 | 3,264 |
| Average earning assets | $164,525,500 | 3,259 |
| Average equity | $16,623,500 | 3,647 |
| Average total loans | $78,836,500 | 3,933 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 5,579 |
| Cost of funding earning assets | 0.2559% | 5,261 |
| Net interest margin | 3.1176% | 5,164 |
| Noninterest income to average assets | 0.4003% | 4,178 |
| Noninterest expense to average assets | 2.5565% | 4,373 |
| Loan and lease loss provision to assets | 0.0805% | 2,867 |
| Net operating income to assets | 0.5793% | 4,461 |
| Return on assets (ROA) | 0.5803% | 4,542 |
| Pretax return on assets | 0.6298% | 4,844 |
| Return on Equity (ROE) | 7.2189% | 3,503 |
| Retained earnings to average equity (ytd only) | 4.4930% | 2,976 |
| Net charge-offs to loans | 0.0369% | 4,098 |
| Credit loss provision to net charge-offs | 482.7586% | 542 |
| Earnings coverage of net charge-offs (x) | 42.5172% | 1,032 |
| Efficiency ratio | 78.2846% | 2,166 |
| Assets per employee ($millions) | 4.4404% | 3,135 |
| Cash dividends to net income (ytd only)* | 37.7602% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 4,625 |
| Loan loss allowance to noncurrent loans | 274.5981% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 4,798 |
| Noncurrent loans to loans | 0.3945% | 4,458 |
| Net loans and leases to total assets | 42.8303% | 5,555 |
| Net loans and leases to deposits | 47.2900% | 5,725 |
| Net loans and leases to core deposits | 48.0168% | 5,812 |
| Total domestic deposits to total assets | 90.5695% | 510 |
| Equity capital to assets | 8.8851% | 5,391 |
| Core capital (leverage) ratio | 8.7402% | 5,306 |
| Tier 1 risk-based capital ratio | 20.3907% | 1,526 |
| Total risk-based capital ratio | 21.4988% | 1,517 |
| Memoranda: | ||
| Average total assets | $173,868,200 | 3,283 |
| Average earning assets | $159,802,400 | 3,285 |
| Average equity | $13,977,200 | 4,032 |
| Average total loans | $78,509,600 | 3,917 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4133% | 5,571 |
| Cost of funding earning assets | 0.2689% | 5,217 |
| Net interest margin | 3.1444% | 5,132 |
| Noninterest income to average assets | 0.4167% | 4,126 |
| Noninterest expense to average assets | 2.6407% | 4,047 |
| Loan and lease loss provision to assets | 0.0931% | 2,499 |
| Net operating income to assets | 0.5433% | 4,697 |
| Return on assets (ROA) | 0.5447% | 4,772 |
| Pretax return on assets | 0.5696% | 5,129 |
| Return on Equity (ROE) | 6.9706% | 3,719 |
| Retained earnings to average equity (ytd only) | 5.8187% | 2,519 |
| Net charge-offs to loans | 0.0510% | 3,483 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 28.3993% | 1,422 |
| Efficiency ratio | 79.9765% | 1,922 |
| Assets per employee ($millions) | 4.0454% | 3,783 |
| Cash dividends to net income (ytd only)* | 16.5239% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 4,927 |
| Loan loss allowance to noncurrent loans | 373.5426% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 5,106 |
| Noncurrent loans to loans | 0.2848% | 5,059 |
| Net loans and leases to total assets | 44.5286% | 5,490 |
| Net loans and leases to deposits | 49.7323% | 5,668 |
| Net loans and leases to core deposits | 50.5406% | 5,765 |
| Total domestic deposits to total assets | 89.5367% | 968 |
| Equity capital to assets | 8.4892% | 5,806 |
| Core capital (leverage) ratio | 8.7028% | 5,433 |
| Tier 1 risk-based capital ratio | 19.2063% | 1,857 |
| Total risk-based capital ratio | 20.2893% | 1,862 |
| Memoranda: | ||
| Average total assets | $171,820,750 | 3,339 |
| Average earning assets | $157,654,500 | 3,337 |
| Average equity | $13,427,500 | 4,145 |
| Average total loans | $78,429,500 | 3,948 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3982% | 5,621 |
| Cost of funding earning assets | 0.2803% | 5,176 |
| Net interest margin | 3.1179% | 5,196 |
| Noninterest income to average assets | 0.4044% | 4,211 |
| Noninterest expense to average assets | 2.6673% | 3,992 |
| Loan and lease loss provision to assets | 0.1052% | 2,265 |
| Net operating income to assets | 0.4851% | 4,867 |
| Return on assets (ROA) | 0.4874% | 4,930 |
| Pretax return on assets | 0.4944% | 5,290 |
| Return on Equity (ROE) | 6.4248% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.7608% | 3,110 |
| Net charge-offs to loans | 0.0688% | 3,013 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 18.9259% | 1,652 |
| Efficiency ratio | 81.7043% | 1,776 |
| Assets per employee ($millions) | 3.9906% | 3,859 |
| Cash dividends to net income (ytd only)* | 25.8993% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 5,228 |
| Loan loss allowance to noncurrent loans | 109.8093% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 4,201 |
| Noncurrent loans to loans | 0.9350% | 3,378 |
| Net loans and leases to total assets | 46.3551% | 5,328 |
| Net loans and leases to deposits | 51.6044% | 5,525 |
| Net loans and leases to core deposits | 52.4726% | 5,643 |
| Total domestic deposits to total assets | 89.8278% | 889 |
| Equity capital to assets | 8.4354% | 5,853 |
| Core capital (leverage) ratio | 8.5723% | 5,558 |
| Tier 1 risk-based capital ratio | 18.6414% | 2,023 |
| Total risk-based capital ratio | 19.6763% | 2,052 |
| Memoranda: | ||
| Average total assets | $171,110,670 | 3,370 |
| Average earning assets | $156,966,330 | 3,363 |
| Average equity | $12,981,000 | 4,227 |
| Average total loans | $78,475,670 | 3,957 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 5,702 |
| Cost of funding earning assets | 0.2853% | 5,216 |
| Net interest margin | 3.0900% | 5,287 |
| Noninterest income to average assets | 0.3911% | 4,268 |
| Noninterest expense to average assets | 2.6055% | 4,251 |
| Loan and lease loss provision to assets | 0.1041% | 2,185 |
| Net operating income to assets | 0.4998% | 4,696 |
| Return on assets (ROA) | 0.4998% | 4,776 |
| Pretax return on assets | 0.5137% | 5,126 |
| Return on Equity (ROE) | 6.9663% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.3213% | 2,370 |
| Net charge-offs to loans | 0.1173% | 2,021 |
| Credit loss provision to net charge-offs | 195.6522% | 1,065 |
| Earnings coverage of net charge-offs (x) | 11.6087% | 1,771 |
| Efficiency ratio | 80.8327% | 2,075 |
| Assets per employee ($millions) | 3.9135% | 4,122 |
| Cash dividends to net income (ytd only)* | 9.2593% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 5,616 |
| Loan loss allowance to noncurrent loans | 113.5015% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 4,771 |
| Noncurrent loans to loans | 0.8593% | 3,742 |
| Net loans and leases to total assets | 46.1570% | 5,317 |
| Net loans and leases to deposits | 50.4550% | 5,561 |
| Net loans and leases to core deposits | 51.2835% | 5,670 |
| Total domestic deposits to total assets | 91.4815% | 385 |
| Equity capital to assets | 7.7383% | 6,213 |
| Core capital (leverage) ratio | 8.2339% | 5,905 |
| Tier 1 risk-based capital ratio | 18.3274% | 2,172 |
| Total risk-based capital ratio | 19.3013% | 2,252 |
| Memoranda: | ||
| Average total assets | $172,864,000 | 3,368 |
| Average earning assets | $158,449,000 | 3,367 |
| Average equity | $12,402,500 | 4,359 |
| Average total loans | $78,464,000 | 3,985 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4676% | 5,698 |
| Cost of funding earning assets | 0.3148% | 5,472 |
| Net interest margin | 3.1528% | 5,151 |
| Noninterest income to average assets | 0.4098% | 4,375 |
| Noninterest expense to average assets | 2.6829% | 4,150 |
| Loan and lease loss provision to assets | 0.0900% | 3,311 |
| Net operating income to assets | 0.5068% | 4,703 |
| Return on assets (ROA) | 0.5068% | 4,831 |
| Pretax return on assets | 0.5168% | 5,154 |
| Return on Equity (ROE) | 6.4740% | 3,841 |
| Retained earnings to average equity (ytd only) | 3.8303% | 3,479 |
| Net charge-offs to loans | 0.2431% | 2,520 |
| Credit loss provision to net charge-offs | 83.1522% | 2,951 |
| Earnings coverage of net charge-offs (x) | 5.6087% | 3,260 |
| Efficiency ratio | 81.5550% | 1,937 |
| Assets per employee ($millions) | 4.1267% | 3,586 |
| Cash dividends to net income (ytd only)* | 40.8353% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 5,770 |
| Loan loss allowance to noncurrent loans | 106.5997% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 4,911 |
| Noncurrent loans to loans | 0.8880% | 3,767 |
| Net loans and leases to total assets | 43.8140% | 5,689 |
| Net loans and leases to deposits | 47.3873% | 5,933 |
| Net loans and leases to core deposits | 48.1570% | 6,022 |
| Total domestic deposits to total assets | 92.4592% | 201 |
| Equity capital to assets | 6.6403% | 6,545 |
| Core capital (leverage) ratio | 7.9973% | 6,137 |
| Tier 1 risk-based capital ratio | 17.6748% | 2,347 |
| Total risk-based capital ratio | 18.5962% | 2,449 |
| Memoranda: | ||
| Average total assets | $170,079,400 | 3,408 |
| Average earning assets | $155,353,400 | 3,411 |
| Average equity | $13,314,800 | 4,200 |
| Average total loans | $75,698,600 | 4,069 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4857% | 5,720 |
| Cost of funding earning assets | 0.3222% | 5,528 |
| Net interest margin | 3.1635% | 5,105 |
| Noninterest income to average assets | 0.4010% | 4,530 |
| Noninterest expense to average assets | 2.6977% | 4,027 |
| Loan and lease loss provision to assets | 0.0856% | 3,347 |
| Net operating income to assets | 0.4985% | 4,797 |
| Return on assets (ROA) | 0.4985% | 4,962 |
| Pretax return on assets | 0.5048% | 5,342 |
| Return on Equity (ROE) | 6.1225% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.0421% | 3,051 |
| Net charge-offs to loans | 0.3235% | 1,921 |
| Credit loss provision to net charge-offs | 59.3407% | 3,317 |
| Earnings coverage of net charge-offs (x) | 4.0934% | 3,539 |
| Efficiency ratio | 82.0439% | 1,822 |
| Assets per employee ($millions) | 4.0133% | 3,809 |
| Cash dividends to net income (ytd only)* | 17.6474% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,080 |
| Loan loss allowance to noncurrent loans | 93.8338% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 4,691 |
| Noncurrent loans to loans | 0.9479% | 3,922 |
| Net loans and leases to total assets | 45.2008% | 5,614 |
| Net loans and leases to deposits | 49.7268% | 5,854 |
| Net loans and leases to core deposits | 50.6615% | 5,975 |
| Total domestic deposits to total assets | 90.8982% | 578 |
| Equity capital to assets | 7.1542% | 6,503 |
| Core capital (leverage) ratio | 8.4332% | 5,825 |
| Tier 1 risk-based capital ratio | 17.6444% | 2,461 |
| Total risk-based capital ratio | 18.5112% | 2,565 |
| Memoranda: | ||
| Average total assets | $168,237,250 | 3,480 |
| Average earning assets | $153,537,250 | 3,474 |
| Average equity | $13,697,750 | 4,180 |
| Average total loans | $75,000,750 | 4,119 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 5,711 |
| Cost of funding earning assets | 0.3294% | 5,571 |
| Net interest margin | 3.1645% | 5,071 |
| Noninterest income to average assets | 0.3681% | 4,766 |
| Noninterest expense to average assets | 2.7016% | 4,027 |
| Loan and lease loss provision to assets | 0.0504% | 3,980 |
| Net operating income to assets | 0.5084% | 4,771 |
| Return on assets (ROA) | 0.5084% | 4,932 |
| Pretax return on assets | 0.5192% | 5,306 |
| Return on Equity (ROE) | 5.9936% | 4,181 |
| Retained earnings to average equity (ytd only) | 4.4246% | 3,458 |
| Net charge-offs to loans | 0.1383% | 2,996 |
| Credit loss provision to net charge-offs | 82.3529% | 2,583 |
| Earnings coverage of net charge-offs (x) | 9.3137% | 2,301 |
| Efficiency ratio | 82.5880% | 1,812 |
| Assets per employee ($millions) | 3.8531% | 4,105 |
| Cash dividends to net income (ytd only)* | 26.1792% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 5,679 |
| Loan loss allowance to noncurrent loans | 83.1522% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 4,483 |
| Noncurrent loans to loans | 1.2474% | 3,460 |
| Net loans and leases to total assets | 45.1011% | 5,624 |
| Net loans and leases to deposits | 49.6507% | 5,870 |
| Net loans and leases to core deposits | 50.5597% | 5,988 |
| Total domestic deposits to total assets | 90.8368% | 607 |
| Equity capital to assets | 8.0058% | 6,194 |
| Core capital (leverage) ratio | 8.5878% | 5,570 |
| Tier 1 risk-based capital ratio | 17.7929% | 2,396 |
| Total risk-based capital ratio | 18.7607% | 2,482 |
| Memoranda: | ||
| Average total assets | $166,793,000 | 3,511 |
| Average earning assets | $153,009,330 | 3,501 |
| Average equity | $14,148,330 | 4,120 |
| Average total loans | $73,766,670 | 4,183 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4667% | 5,790 |
| Cost of funding earning assets | 0.3313% | 5,707 |
| Net interest margin | 3.1355% | 5,139 |
| Noninterest income to average assets | 0.3379% | 4,993 |
| Noninterest expense to average assets | 2.6821% | 4,140 |
| Loan and lease loss provision to assets | 0.0213% | 4,199 |
| Net operating income to assets | 0.5033% | 4,640 |
| Return on assets (ROA) | 0.5033% | 4,789 |
| Pretax return on assets | 0.5199% | 5,201 |
| Return on Equity (ROE) | 5.7784% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.3715% | 3,019 |
| Net charge-offs to loans | 0.0976% | 2,880 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 12.7222% | 1,576 |
| Efficiency ratio | 83.2111% | 1,870 |
| Assets per employee ($millions) | 3.9380% | 4,084 |
| Cash dividends to net income (ytd only)* | 7.0423% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 5,844 |
| Loan loss allowance to noncurrent loans | 93.4066% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 4,839 |
| Noncurrent loans to loans | 1.1108% | 3,926 |
| Net loans and leases to total assets | 44.1157% | 5,652 |
| Net loans and leases to deposits | 49.1708% | 5,840 |
| Net loans and leases to core deposits | 50.1640% | 5,967 |
| Total domestic deposits to total assets | 89.7193% | 1,217 |
| Equity capital to assets | 8.8726% | 5,640 |
| Core capital (leverage) ratio | 8.3785% | 5,739 |
| Tier 1 risk-based capital ratio | 18.1381% | 2,304 |
| Total risk-based capital ratio | 19.1327% | 2,377 |
| Memoranda: | ||
| Average total assets | $169,273,500 | 3,515 |
| Average earning assets | $155,766,500 | 3,505 |
| Average equity | $14,744,500 | 4,048 |
| Average total loans | $73,773,500 | 4,208 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6466% | 6,137 |
| Cost of funding earning assets | 0.4178% | 5,804 |
| Net interest margin | 3.2287% | 5,499 |
| Noninterest income to average assets | 0.4339% | 4,362 |
| Noninterest expense to average assets | 2.8109% | 3,980 |
| Loan and lease loss provision to assets | 0.0112% | 5,775 |
| Net operating income to assets | 0.4661% | 4,815 |
| Return on assets (ROA) | 0.6384% | 4,309 |
| Pretax return on assets | 0.7773% | 4,379 |
| Return on Equity (ROE) | 7.0675% | 3,602 |
| Retained earnings to average equity (ytd only) | 4.5081% | 3,058 |
| Net charge-offs to loans | 0.1483% | 4,207 |
| Credit loss provision to net charge-offs | 16.0714% | 5,326 |
| Earnings coverage of net charge-offs (x) | 8.3304% | 2,430 |
| Efficiency ratio | 82.9371% | 1,756 |
| Assets per employee ($millions) | 3.9352% | 4,066 |
| Cash dividends to net income (ytd only)* | 36.2136% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 5,768 |
| Loan loss allowance to noncurrent loans | 145.2158% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 5,356 |
| Noncurrent loans to loans | 0.7221% | 4,734 |
| Net loans and leases to total assets | 42.1842% | 5,989 |
| Net loans and leases to deposits | 46.7873% | 6,194 |
| Net loans and leases to core deposits | 47.6881% | 6,285 |
| Total domestic deposits to total assets | 90.1617% | 870 |
| Equity capital to assets | 8.5556% | 6,005 |
| Core capital (leverage) ratio | 8.3225% | 5,865 |
| Tier 1 risk-based capital ratio | 18.4036% | 2,135 |
| Total risk-based capital ratio | 19.4390% | 2,156 |
| Memoranda: | ||
| Average total assets | $161,335,800 | 3,600 |
| Average earning assets | $147,673,600 | 3,593 |
| Average equity | $14,573,800 | 4,046 |
| Average total loans | $75,522,200 | 4,164 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7260% | 6,181 |
| Cost of funding earning assets | 0.4452% | 5,828 |
| Net interest margin | 3.2807% | 5,451 |
| Noninterest income to average assets | 0.4302% | 4,412 |
| Noninterest expense to average assets | 2.8731% | 3,695 |
| Loan and lease loss provision to assets | 0.0076% | 5,713 |
| Net operating income to assets | 0.4734% | 4,940 |
| Return on assets (ROA) | 0.5371% | 4,943 |
| Pretax return on assets | 0.6187% | 5,109 |
| Return on Equity (ROE) | 5.8610% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.8964% | 3,442 |
| Net charge-offs to loans | 0.1896% | 3,599 |
| Credit loss provision to net charge-offs | 8.3333% | 5,096 |
| Earnings coverage of net charge-offs (x) | 6.0832% | 2,856 |
| Efficiency ratio | 83.8575% | 1,608 |
| Assets per employee ($millions) | 3.5739% | 4,801 |
| Cash dividends to net income (ytd only)* | 16.4580% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 5,981 |
| Loan loss allowance to noncurrent loans | 134.4406% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 5,398 |
| Noncurrent loans to loans | 0.7634% | 4,891 |
| Net loans and leases to total assets | 46.1119% | 5,752 |
| Net loans and leases to deposits | 51.4061% | 6,013 |
| Net loans and leases to core deposits | 52.4793% | 6,149 |
| Total domestic deposits to total assets | 89.7012% | 1,010 |
| Equity capital to assets | 9.1864% | 5,609 |
| Core capital (leverage) ratio | 9.0358% | 5,007 |
| Tier 1 risk-based capital ratio | 19.2260% | 1,942 |
| Total risk-based capital ratio | 20.3105% | 1,967 |
| Memoranda: | ||
| Average total assets | $158,382,250 | 3,684 |
| Average earning assets | $144,638,250 | 3,681 |
| Average equity | $14,513,750 | 4,101 |
| Average total loans | $75,948,750 | 4,200 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 6,150 |
| Cost of funding earning assets | 0.4804% | 5,753 |
| Net interest margin | 3.3154% | 5,405 |
| Noninterest income to average assets | 0.4811% | 4,048 |
| Noninterest expense to average assets | 2.8965% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5138% | 4,751 |
| Return on assets (ROA) | 0.6055% | 4,601 |
| Pretax return on assets | 0.7260% | 4,751 |
| Return on Equity (ROE) | 6.6126% | 3,987 |
| Retained earnings to average equity (ytd only) | 5.1570% | 3,183 |
| Net charge-offs to loans | 0.1049% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 1,903 |
| Efficiency ratio | 82.4720% | 1,819 |
| Assets per employee ($millions) | 3.3548% | 5,315 |
| Cash dividends to net income (ytd only)* | 22.0126% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,754 |
| Loan loss allowance to noncurrent loans | 109.0909% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 5,305 |
| Noncurrent loans to loans | 1.0127% | 4,486 |
| Net loans and leases to total assets | 48.0317% | 5,608 |
| Net loans and leases to deposits | 53.7766% | 5,893 |
| Net loans and leases to core deposits | 54.9499% | 6,025 |
| Total domestic deposits to total assets | 89.3171% | 1,321 |
| Equity capital to assets | 9.4511% | 5,129 |
| Core capital (leverage) ratio | 8.7703% | 5,270 |
| Tier 1 risk-based capital ratio | 19.3740% | 1,881 |
| Total risk-based capital ratio | 20.5635% | 1,862 |
| Memoranda: | ||
| Average total assets | $157,568,330 | 3,707 |
| Average earning assets | $144,053,000 | 3,716 |
| Average equity | $14,427,000 | 4,106 |
| Average total loans | $76,289,000 | 4,207 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 6,296 |
| Cost of funding earning assets | 0.5077% | 5,765 |
| Net interest margin | 3.2712% | 5,569 |
| Noninterest income to average assets | 0.4096% | 4,599 |
| Noninterest expense to average assets | 2.8419% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4571% | 5,009 |
| Return on assets (ROA) | 0.6382% | 4,392 |
| Pretax return on assets | 0.7865% | 4,466 |
| Return on Equity (ROE) | 7.0811% | 3,740 |
| Retained earnings to average equity (ytd only) | 7.0811% | 2,393 |
| Net charge-offs to loans | 0.1403% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.2963% | 1,974 |
| Efficiency ratio | 83.4686% | 1,740 |
| Assets per employee ($millions) | 3.4881% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,897 |
| Loan loss allowance to noncurrent loans | 121.7077% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 5,328 |
| Noncurrent loans to loans | 0.9065% | 4,856 |
| Net loans and leases to total assets | 48.0285% | 5,552 |
| Net loans and leases to deposits | 53.5617% | 5,853 |
| Net loans and leases to core deposits | 54.5875% | 6,014 |
| Total domestic deposits to total assets | 89.6695% | 1,255 |
| Equity capital to assets | 9.1952% | 5,241 |
| Core capital (leverage) ratio | 8.5116% | 5,573 |
| Tier 1 risk-based capital ratio | 18.9425% | 2,005 |
| Total risk-based capital ratio | 20.1338% | 1,985 |
| Memoranda: | ||
| Average total assets | $159,192,000 | 3,702 |
| Average earning assets | $145,757,000 | 3,703 |
| Average equity | $14,348,000 | 4,125 |
| Average total loans | $76,958,000 | 4,215 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 5,531 |
| Cost of funding earning assets | 0.6748% | 5,688 |
| Net interest margin | 3.6970% | 4,309 |
| Noninterest income to average assets | 0.4737% | 4,038 |
| Noninterest expense to average assets | 3.0065% | 3,565 |
| Loan and lease loss provision to assets | 0.0261% | 6,247 |
| Net operating income to assets | 0.6470% | 3,751 |
| Return on assets (ROA) | 0.6714% | 3,816 |
| Pretax return on assets | 0.8091% | 3,949 |
| Return on Equity (ROE) | 7.4505% | 3,173 |
| Retained earnings to average equity (ytd only) | 4.6918% | 2,859 |
| Net charge-offs to loans | 0.1886% | 4,636 |
| Credit loss provision to net charge-offs | 26.4901% | 5,838 |
| Earnings coverage of net charge-offs (x) | 8.1788% | 2,198 |
| Efficiency ratio | 78.8636% | 2,477 |
| Assets per employee ($millions) | 3.5871% | 4,802 |
| Cash dividends to net income (ytd only)* | 37.0262% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,755 |
| Loan loss allowance to noncurrent loans | 97.5281% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 5,101 |
| Noncurrent loans to loans | 1.1456% | 4,452 |
| Net loans and leases to total assets | 47.5898% | 5,867 |
| Net loans and leases to deposits | 52.9969% | 6,139 |
| Net loans and leases to core deposits | 53.9815% | 6,307 |
| Total domestic deposits to total assets | 89.7975% | 1,099 |
| Equity capital to assets | 8.8359% | 5,749 |
| Core capital (leverage) ratio | 8.1832% | 6,031 |
| Tier 1 risk-based capital ratio | 18.1085% | 2,155 |
| Total risk-based capital ratio | 19.3060% | 2,150 |
| Memoranda: | ||
| Average total assets | $153,265,600 | 3,750 |
| Average earning assets | $138,410,200 | 3,777 |
| Average equity | $13,811,200 | 4,155 |
| Average total loans | $80,055,000 | 4,138 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 5,234 |
| Cost of funding earning assets | 0.7048% | 5,734 |
| Net interest margin | 3.8026% | 3,871 |
| Noninterest income to average assets | 0.4796% | 4,044 |
| Noninterest expense to average assets | 3.0682% | 3,290 |
| Loan and lease loss provision to assets | 0.0353% | 5,994 |
| Net operating income to assets | 0.6671% | 3,786 |
| Return on assets (ROA) | 0.6656% | 3,968 |
| Pretax return on assets | 0.7944% | 4,152 |
| Return on Equity (ROE) | 7.3487% | 3,358 |
| Retained earnings to average equity (ytd only) | 6.4045% | 2,292 |
| Net charge-offs to loans | 0.1835% | 4,330 |
| Credit loss provision to net charge-offs | 36.0360% | 5,323 |
| Earnings coverage of net charge-offs (x) | 8.4953% | 2,164 |
| Efficiency ratio | 78.6796% | 2,446 |
| Assets per employee ($millions) | 3.3405% | 5,390 |
| Cash dividends to net income (ytd only)* | 12.8477% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,650 |
| Loan loss allowance to noncurrent loans | 98.2684% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5254% | 3,819 |
| Noncurrent loans to loans | 1.1769% | 4,579 |
| Net loans and leases to total assets | 49.4284% | 5,781 |
| Net loans and leases to deposits | 55.0964% | 6,114 |
| Net loans and leases to core deposits | 56.1492% | 6,303 |
| Total domestic deposits to total assets | 89.7124% | 1,031 |
| Equity capital to assets | 9.1099% | 5,629 |
| Core capital (leverage) ratio | 9.0359% | 4,872 |
| Tier 1 risk-based capital ratio | 17.8268% | 2,321 |
| Total risk-based capital ratio | 19.0584% | 2,296 |
| Memoranda: | ||
| Average total assets | $151,226,750 | 3,804 |
| Average earning assets | $136,009,750 | 3,836 |
| Average equity | $13,698,250 | 4,190 |
| Average total loans | $80,646,750 | 4,155 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 4,948 |
| Cost of funding earning assets | 0.7399% | 5,739 |
| Net interest margin | 3.8634% | 3,475 |
| Noninterest income to average assets | 0.4514% | 4,274 |
| Noninterest expense to average assets | 3.1668% | 3,019 |
| Loan and lease loss provision to assets | 0.0536% | 5,642 |
| Net operating income to assets | 0.6093% | 4,017 |
| Return on assets (ROA) | 0.6082% | 4,150 |
| Pretax return on assets | 0.7060% | 4,365 |
| Return on Equity (ROE) | 6.7276% | 3,571 |
| Retained earnings to average equity (ytd only) | 5.2902% | 2,817 |
| Net charge-offs to loans | 0.2139% | 3,854 |
| Credit loss provision to net charge-offs | 45.9770% | 4,676 |
| Earnings coverage of net charge-offs (x) | 6.5287% | 2,381 |
| Efficiency ratio | 80.6276% | 2,296 |
| Assets per employee ($millions) | 3.0582% | 5,960 |
| Cash dividends to net income (ytd only)* | 21.3656% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 5,753 |
| Loan loss allowance to noncurrent loans | 156.6387% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4060% | 4,110 |
| Noncurrent loans to loans | 0.7358% | 5,442 |
| Net loans and leases to total assets | 55.6103% | 5,051 |
| Net loans and leases to deposits | 62.4196% | 5,453 |
| Net loans and leases to core deposits | 64.5055% | 5,671 |
| Total domestic deposits to total assets | 89.0911% | 1,483 |
| Equity capital to assets | 9.6886% | 4,550 |
| Core capital (leverage) ratio | 8.8931% | 4,891 |
| Tier 1 risk-based capital ratio | 17.0803% | 2,485 |
| Total risk-based capital ratio | 18.3193% | 2,465 |
| Memoranda: | ||
| Average total assets | $149,300,670 | 3,858 |
| Average earning assets | $134,337,670 | 3,899 |
| Average equity | $13,496,670 | 4,226 |
| Average total loans | $81,358,000 | 4,168 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 5,366 |
| Cost of funding earning assets | 0.7725% | 5,736 |
| Net interest margin | 3.7197% | 4,000 |
| Noninterest income to average assets | 0.4813% | 4,040 |
| Noninterest expense to average assets | 3.1562% | 3,045 |
| Loan and lease loss provision to assets | 0.0789% | 5,015 |
| Net operating income to assets | 0.5392% | 4,318 |
| Return on assets (ROA) | 0.5392% | 4,400 |
| Pretax return on assets | 0.6023% | 4,675 |
| Return on Equity (ROE) | 6.1738% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.1738% | 2,539 |
| Net charge-offs to loans | 0.4068% | 2,470 |
| Credit loss provision to net charge-offs | 36.1446% | 4,019 |
| Earnings coverage of net charge-offs (x) | 3.1205% | 2,845 |
| Efficiency ratio | 82.2481% | 2,187 |
| Assets per employee ($millions) | 3.2020% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,899 |
| Loan loss allowance to noncurrent loans | 170.5341% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 4,221 |
| Noncurrent loans to loans | 0.6669% | 5,696 |
| Net loans and leases to total assets | 54.6527% | 5,217 |
| Net loans and leases to deposits | 60.8846% | 5,631 |
| Net loans and leases to core deposits | 64.0311% | 5,722 |
| Total domestic deposits to total assets | 89.7644% | 1,314 |
| Equity capital to assets | 9.1031% | 5,043 |
| Core capital (leverage) ratio | 8.4524% | 5,541 |
| Tier 1 risk-based capital ratio | 16.7068% | 2,584 |
| Total risk-based capital ratio | 17.9253% | 2,568 |
| Memoranda: | ||
| Average total assets | $152,083,000 | 3,849 |
| Average earning assets | $137,215,000 | 3,874 |
| Average equity | $13,282,000 | 4,276 |
| Average total loans | $81,605,000 | 4,201 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 6,110 |
| Cost of funding earning assets | 1.2639% | 4,113 |
| Net interest margin | 3.3382% | 5,843 |
| Noninterest income to average assets | 0.5103% | 4,091 |
| Noninterest expense to average assets | 2.8102% | 4,564 |
| Loan and lease loss provision to assets | 0.2716% | 4,635 |
| Net operating income to assets | 0.4242% | 4,437 |
| Return on assets (ROA) | 0.5337% | 4,101 |
| Pretax return on assets | 0.6023% | 4,320 |
| Return on Equity (ROE) | 6.4491% | 3,377 |
| Retained earnings to average equity (ytd only) | 3.3894% | 3,501 |
| Net charge-offs to loans | 0.2655% | 4,708 |
| Credit loss provision to net charge-offs | 188.5463% | 1,720 |
| Earnings coverage of net charge-offs (x) | 5.2115% | 2,683 |
| Efficiency ratio | 78.9164% | 2,546 |
| Assets per employee ($millions) | 3.4103% | 5,149 |
| Cash dividends to net income (ytd only)* | 47.4435% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,529 |
| Loan loss allowance to noncurrent loans | 59.2257% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 4,701 |
| Noncurrent loans to loans | 2.0211% | 3,534 |
| Net loans and leases to total assets | 51.5101% | 5,988 |
| Net loans and leases to deposits | 57.2815% | 6,328 |
| Net loans and leases to core deposits | 59.3754% | 6,445 |
| Total domestic deposits to total assets | 89.9245% | 1,145 |
| Equity capital to assets | 8.3862% | 6,024 |
| Core capital (leverage) ratio | 7.9854% | 6,222 |
| Tier 1 risk-based capital ratio | 16.4708% | 2,534 |
| Total risk-based capital ratio | 17.7215% | 2,505 |
| Memoranda: | ||
| Average total assets | $157,566,800 | 3,745 |
| Average earning assets | $143,998,800 | 3,741 |
| Average equity | $13,040,600 | 4,355 |
| Average total loans | $85,504,400 | 4,167 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 6,194 |
| Cost of funding earning assets | 1.3965% | 3,605 |
| Net interest margin | 3.2521% | 6,164 |
| Noninterest income to average assets | 0.4581% | 4,503 |
| Noninterest expense to average assets | 2.7784% | 4,571 |
| Loan and lease loss provision to assets | 0.3364% | 3,913 |
| Net operating income to assets | 0.3178% | 5,093 |
| Return on assets (ROA) | 0.4006% | 4,923 |
| Pretax return on assets | 0.4023% | 5,210 |
| Return on Equity (ROE) | 4.8570% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.6479% | 3,883 |
| Net charge-offs to loans | 0.3517% | 3,898 |
| Credit loss provision to net charge-offs | 174.5614% | 2,113 |
| Earnings coverage of net charge-offs (x) | 3.4035% | 3,467 |
| Efficiency ratio | 80.9008% | 2,229 |
| Assets per employee ($millions) | 3.4500% | 5,098 |
| Cash dividends to net income (ytd only)* | 24.8948% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 5,726 |
| Loan loss allowance to noncurrent loans | 55.8962% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 4,750 |
| Noncurrent loans to loans | 2.0507% | 3,617 |
| Net loans and leases to total assets | 52.6609% | 6,019 |
| Net loans and leases to deposits | 59.5881% | 6,342 |
| Net loans and leases to core deposits | 61.7096% | 6,487 |
| Total domestic deposits to total assets | 88.3749% | 1,744 |
| Equity capital to assets | 8.7884% | 5,874 |
| Core capital (leverage) ratio | 8.3292% | 5,821 |
| Tier 1 risk-based capital ratio | 16.7215% | 2,453 |
| Total risk-based capital ratio | 17.9719% | 2,415 |
| Memoranda: | ||
| Average total assets | $157,739,500 | 3,801 |
| Average earning assets | $144,355,500 | 3,780 |
| Average equity | $13,011,750 | 4,435 |
| Average total loans | $86,434,000 | 4,213 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 6,172 |
| Cost of funding earning assets | 1.5085% | 3,210 |
| Net interest margin | 3.1809% | 6,379 |
| Noninterest income to average assets | 0.4200% | 4,755 |
| Noninterest expense to average assets | 2.7370% | 4,749 |
| Loan and lease loss provision to assets | 0.4705% | 2,963 |
| Net operating income to assets | 0.2220% | 5,489 |
| Return on assets (ROA) | 0.2132% | 5,650 |
| Pretax return on assets | 0.1186% | 5,943 |
| Return on Equity (ROE) | 2.6404% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.0312% | 5,356 |
| Net charge-offs to loans | 0.5178% | 2,980 |
| Credit loss provision to net charge-offs | 164.3172% | 2,399 |
| Earnings coverage of net charge-offs (x) | 2.0881% | 3,984 |
| Efficiency ratio | 82.0726% | 2,155 |
| Assets per employee ($millions) | 3.2401% | 5,572 |
| Cash dividends to net income (ytd only)* | 60.9467% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 6,079 |
| Loan loss allowance to noncurrent loans | 49.6774% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 4,499 |
| Noncurrent loans to loans | 2.1538% | 3,521 |
| Net loans and leases to total assets | 56.1031% | 5,686 |
| Net loans and leases to deposits | 64.7954% | 5,935 |
| Net loans and leases to core deposits | 67.1989% | 6,130 |
| Total domestic deposits to total assets | 86.5849% | 2,768 |
| Equity capital to assets | 8.5951% | 6,026 |
| Core capital (leverage) ratio | 7.8151% | 6,478 |
| Tier 1 risk-based capital ratio | 15.6060% | 2,846 |
| Total risk-based capital ratio | 16.8213% | 2,831 |
| Memoranda: | ||
| Average total assets | $158,569,330 | 3,817 |
| Average earning assets | $145,307,000 | 3,792 |
| Average equity | $12,801,000 | 4,482 |
| Average total loans | $87,677,330 | 4,206 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 6,396 |
| Cost of funding earning assets | 1.5962% | 2,991 |
| Net interest margin | 3.0576% | 6,697 |
| Noninterest income to average assets | 0.4057% | 4,872 |
| Noninterest expense to average assets | 2.6714% | 5,053 |
| Loan and lease loss provision to assets | 0.8608% | 1,476 |
| Net operating income to assets | -0.0797% | 6,415 |
| Return on assets (ROA) | -0.1336% | 6,547 |
| Pretax return on assets | -0.4057% | 6,721 |
| Return on Equity (ROE) | -1.7066% | 6,603 |
| Retained earnings to average equity (ytd only) | -1.7066% | 6,157 |
| Net charge-offs to loans | 1.0143% | 1,624 |
| Credit loss provision to net charge-offs | 155.3571% | 2,302 |
| Earnings coverage of net charge-offs (x) | 0.9732% | 4,188 |
| Efficiency ratio | 83.2049% | 2,116 |
| Assets per employee ($millions) | 3.4398% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 6,245 |
| Loan loss allowance to noncurrent loans | 56.8224% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.2488% | 4,685 |
| Noncurrent loans to loans | 1.8435% | 4,001 |
| Net loans and leases to total assets | 55.6583% | 5,799 |
| Net loans and leases to deposits | 65.4121% | 5,887 |
| Net loans and leases to core deposits | 68.0766% | 6,093 |
| Total domestic deposits to total assets | 85.0887% | 3,625 |
| Equity capital to assets | 8.1976% | 6,435 |
| Core capital (leverage) ratio | 7.3157% | 7,012 |
| Tier 1 risk-based capital ratio | 14.6445% | 3,295 |
| Total risk-based capital ratio | 15.7885% | 3,325 |
| Memoranda: | ||
| Average total assets | $161,712,000 | 3,804 |
| Average earning assets | $148,353,000 | 3,789 |
| Average equity | $12,657,000 | 4,551 |
| Average total loans | $88,336,000 | 4,244 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1792% | 5,748 |
| Cost of funding earning assets | 1.9954% | 2,983 |
| Net interest margin | 3.1838% | 6,147 |
| Noninterest income to average assets | 0.4379% | 4,900 |
| Noninterest expense to average assets | 2.8214% | 4,884 |
| Loan and lease loss provision to assets | 0.0452% | 7,109 |
| Net operating income to assets | 0.5042% | 3,707 |
| Return on assets (ROA) | 0.4160% | 4,171 |
| Pretax return on assets | 0.4205% | 4,436 |
| Return on Equity (ROE) | 5.0343% | 3,654 |
| Retained earnings to average equity (ytd only) | 1.1960% | 4,207 |
| Net charge-offs to loans | 0.0222% | 6,923 |
| Credit loss provision to net charge-offs | 350.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 42.9500% | 583 |
| Efficiency ratio | 83.5661% | 2,404 |
| Assets per employee ($millions) | 3.9217% | 3,973 |
| Cash dividends to net income (ytd only)* | 76.2422% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,892 |
| Loan loss allowance to noncurrent loans | 37.7395% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 1.4683% | 4,194 |
| Noncurrent loans to loans | 2.3302% | 3,255 |
| Net loans and leases to total assets | 52.6694% | 6,347 |
| Net loans and leases to deposits | 62.2780% | 6,434 |
| Net loans and leases to core deposits | 71.9240% | 6,663 |
| Total domestic deposits to total assets | 84.5714% | 3,768 |
| Equity capital to assets | 7.4866% | 7,044 |
| Core capital (leverage) ratio | 7.0758% | 7,173 |
| Tier 1 risk-based capital ratio | 13.9574% | 3,525 |
| Total risk-based capital ratio | 14.8952% | 3,665 |
| Memoranda: | ||
| Average total assets | $154,817,400 | 3,883 |
| Average earning assets | $142,880,400 | 3,839 |
| Average equity | $12,792,200 | 4,557 |
| Average total loans | $90,058,600 | 4,208 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 5,390 |
| Cost of funding earning assets | 2.0461% | 3,136 |
| Net interest margin | 3.2609% | 5,786 |
| Noninterest income to average assets | 0.4554% | 4,865 |
| Noninterest expense to average assets | 2.7307% | 5,191 |
| Loan and lease loss provision to assets | 0.0484% | 6,887 |
| Net operating income to assets | 0.5802% | 3,680 |
| Return on assets (ROA) | 0.6897% | 3,302 |
| Pretax return on assets | 0.8192% | 3,480 |
| Return on Equity (ROE) | 8.1344% | 2,585 |
| Retained earnings to average equity (ytd only) | 5.6307% | 2,139 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7402% | 3,044 |
| Assets per employee ($millions) | 3.9073% | 3,917 |
| Cash dividends to net income (ytd only)* | 30.7796% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,808 |
| Loan loss allowance to noncurrent loans | 186.5882% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 6,444 |
| Noncurrent loans to loans | 0.4760% | 6,365 |
| Net loans and leases to total assets | 55.2428% | 6,241 |
| Net loans and leases to deposits | 66.2219% | 6,290 |
| Net loans and leases to core deposits | 77.1852% | 6,548 |
| Total domestic deposits to total assets | 83.4207% | 4,008 |
| Equity capital to assets | 8.2566% | 6,552 |
| Core capital (leverage) ratio | 7.9022% | 6,497 |
| Tier 1 risk-based capital ratio | 14.8856% | 3,098 |
| Total risk-based capital ratio | 15.8795% | 3,160 |
| Memoranda: | ||
| Average total assets | $151,363,000 | 3,957 |
| Average earning assets | $139,836,750 | 3,930 |
| Average equity | $12,834,000 | 4,578 |
| Average total loans | $90,171,500 | 4,241 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3992% | 5,158 |
| Cost of funding earning assets | 2.1261% | 3,158 |
| Net interest margin | 3.2731% | 5,647 |
| Noninterest income to average assets | 0.4447% | 4,893 |
| Noninterest expense to average assets | 2.8272% | 4,843 |
| Loan and lease loss provision to assets | 0.0539% | 6,684 |
| Net operating income to assets | 0.5084% | 4,052 |
| Return on assets (ROA) | 0.6374% | 3,624 |
| Pretax return on assets | 0.7344% | 3,882 |
| Return on Equity (ROE) | 7.4471% | 3,010 |
| Retained earnings to average equity (ytd only) | 3.7786% | 3,194 |
| Net charge-offs to loans | -0.0022% | 7,484 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5391% | 2,786 |
| Assets per employee ($millions) | 3.4470% | 4,955 |
| Cash dividends to net income (ytd only)* | 49.2600% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 6,899 |
| Loan loss allowance to noncurrent loans | 266.7808% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 6,585 |
| Noncurrent loans to loans | 0.3265% | 6,695 |
| Net loans and leases to total assets | 59.8147% | 5,709 |
| Net loans and leases to deposits | 73.0194% | 5,607 |
| Net loans and leases to core deposits | 86.5970% | 5,845 |
| Total domestic deposits to total assets | 81.9162% | 4,722 |
| Equity capital to assets | 8.5757% | 5,936 |
| Core capital (leverage) ratio | 7.9267% | 6,447 |
| Tier 1 risk-based capital ratio | 14.9704% | 3,029 |
| Total risk-based capital ratio | 15.9781% | 3,071 |
| Memoranda: | ||
| Average total assets | $148,417,330 | 4,023 |
| Average earning assets | $137,058,330 | 4,007 |
| Average equity | $12,703,000 | 4,625 |
| Average total loans | $90,464,670 | 4,264 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 4,813 |
| Cost of funding earning assets | 2.1768% | 3,282 |
| Net interest margin | 3.3424% | 5,357 |
| Noninterest income to average assets | 0.4202% | 5,050 |
| Noninterest expense to average assets | 2.6745% | 5,128 |
| Loan and lease loss provision to assets | 0.0539% | 6,290 |
| Net operating income to assets | 0.6402% | 3,838 |
| Return on assets (ROA) | 0.7838% | 3,364 |
| Pretax return on assets | 0.9561% | 3,511 |
| Return on Equity (ROE) | 9.1661% | 2,648 |
| Retained earnings to average equity (ytd only) | 9.1661% | 1,429 |
| Net charge-offs to loans | -0.0044% | 7,164 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2087% | 3,452 |
| Assets per employee ($millions) | 3.4483% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 7,001 |
| Loan loss allowance to noncurrent loans | 235.7143% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 6,384 |
| Noncurrent loans to loans | 0.3574% | 6,537 |
| Net loans and leases to total assets | 61.6826% | 5,390 |
| Net loans and leases to deposits | 75.6322% | 5,270 |
| Net loans and leases to core deposits | 90.6685% | 5,488 |
| Total domestic deposits to total assets | 81.5559% | 4,729 |
| Equity capital to assets | 8.8720% | 5,521 |
| Core capital (leverage) ratio | 7.9276% | 6,572 |
| Tier 1 risk-based capital ratio | 15.1241% | 3,000 |
| Total risk-based capital ratio | 16.1102% | 3,059 |
| Memoranda: | ||
| Average total assets | $148,515,500 | 4,034 |
| Average earning assets | $137,266,500 | 4,009 |
| Average equity | $12,699,000 | 4,655 |
| Average total loans | $90,978,500 | 4,281 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 7,364 |
| Cost of funding earning assets | 2.4680% | 4,374 |
| Net interest margin | 3.0031% | 6,908 |
| Noninterest income to average assets | 0.4470% | 5,061 |
| Noninterest expense to average assets | 2.5971% | 5,665 |
| Loan and lease loss provision to assets | 0.0484% | 6,811 |
| Net operating income to assets | 0.5297% | 4,619 |
| Return on assets (ROA) | 0.3873% | 5,016 |
| Pretax return on assets | 0.4252% | 5,189 |
| Return on Equity (ROE) | 3.8882% | 4,862 |
| Retained earnings to average equity (ytd only) | -0.5265% | 5,447 |
| Net charge-offs to loans | 0.0121% | 6,750 |
| Credit loss provision to net charge-offs | 666.6667% | 640 |
| Earnings coverage of net charge-offs (x) | 86.7778% | 488 |
| Efficiency ratio | 80.4750% | 2,532 |
| Assets per employee ($millions) | 3.6239% | 4,358 |
| Cash dividends to net income (ytd only)* | 113.5417% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 7,096 |
| Loan loss allowance to noncurrent loans | 290.5512% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 6,251 |
| Noncurrent loans to loans | 0.2765% | 6,543 |
| Net loans and leases to total assets | 59.8716% | 5,930 |
| Net loans and leases to deposits | 73.8606% | 5,865 |
| Net loans and leases to core deposits | 90.4567% | 5,761 |
| Total domestic deposits to total assets | 81.0603% | 4,612 |
| Equity capital to assets | 8.2449% | 6,486 |
| Core capital (leverage) ratio | 9.2567% | 4,359 |
| Tier 1 risk-based capital ratio | 14.3329% | 3,375 |
| Total risk-based capital ratio | 15.2596% | 3,462 |
| Memoranda: | ||
| Average total assets | $123,944,400 | 4,422 |
| Average earning assets | $114,747,000 | 4,396 |
| Average equity | $12,345,200 | 4,740 |
| Average total loans | $74,342,600 | 4,725 |