Home > Partners Bank > Performance and Condition Ratios
Partners Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 1,220 |
| Cost of funding earning assets | 1.7932% | 1,258 |
| Net interest margin | 3.6689% | 1,814 |
| Noninterest income to average assets | 1.8700% | 289 |
| Noninterest expense to average assets | 2.7399% | 1,645 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.6580% | 785 |
| Return on assets (ROA) | 1.3815% | 1,222 |
| Pretax return on assets | 2.0288% | 640 |
| Return on Equity (ROE) | 14.1300% | 1,458 |
| Retained earnings to average equity (ytd only) | 5.7341% | 2,343 |
| Net charge-offs to loans | 0.0389% | 1,532 |
| Credit loss provision to net charge-offs | 570.2899% | 615 |
| Earnings coverage of net charge-offs (x) | 78.6159% | 1,033 |
| Efficiency ratio | 51.4933% | 3,875 |
| Assets per employee ($millions) | 6.6573% | 2,299 |
| Cash dividends to net income (ytd only)* | 59.4283% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,081 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.1400% | 332 |
| Net loans and leases to deposits | 104.6361% | 334 |
| Net loans and leases to core deposits | 121.7560% | 575 |
| Total domestic deposits to total assets | 79.4600% | 3,548 |
| Equity capital to assets | 9.6603% | 2,234 |
| Core capital (leverage) ratio | 10.1464% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6199% | 2,376 |
| Memoranda: | ||
| Average total assets | $420,339,600 | 1,951 |
| Average earning assets | $395,378,200 | 1,925 |
| Average equity | $41,087,800 | 1,848 |
| Average total loans | $355,014,600 | 1,596 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3233% | 1,256 |
| Cost of funding earning assets | 1.6377% | 1,307 |
| Net interest margin | 3.6857% | 1,807 |
| Noninterest income to average assets | 2.3500% | 246 |
| Noninterest expense to average assets | 2.7819% | 1,474 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 2.1224% | 424 |
| Return on assets (ROA) | 2.1239% | 417 |
| Pretax return on assets | 2.8589% | 263 |
| Return on Equity (ROE) | 21.6600% | 588 |
| Retained earnings to average equity (ytd only) | 21.2159% | 223 |
| Net charge-offs to loans | 0.0243% | 1,594 |
| Credit loss provision to net charge-offs | 781.2500% | 476 |
| Earnings coverage of net charge-offs (x) | 147.9375% | 734 |
| Efficiency ratio | 47.8031% | 4,058 |
| Assets per employee ($millions) | 6.3849% | 2,418 |
| Cash dividends to net income (ytd only)* | 2.0544% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 1,577 |
| Loan loss allowance to noncurrent loans | 7,598.5714% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,681 |
| Noncurrent loans to loans | 0.0180% | 3,647 |
| Net loans and leases to total assets | 86.8400% | 126 |
| Net loans and leases to deposits | 113.1791% | 144 |
| Net loans and leases to core deposits | 134.1334% | 289 |
| Total domestic deposits to total assets | 76.7300% | 3,955 |
| Equity capital to assets | 10.0627% | 1,798 |
| Core capital (leverage) ratio | 11.0775% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0379% | 2,261 |
| Memoranda: | ||
| Average total assets | $415,578,250 | 1,971 |
| Average earning assets | $390,947,750 | 1,945 |
| Average equity | $40,748,250 | 1,841 |
| Average total loans | $351,055,750 | 1,609 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 1,530 |
| Cost of funding earning assets | 1.3277% | 1,637 |
| Net interest margin | 3.6940% | 1,826 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.6814% | 1,685 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.7500% | 3,216 |
| Return on assets (ROA) | 0.7524% | 3,229 |
| Pretax return on assets | 1.0058% | 2,895 |
| Return on Equity (ROE) | 7.7500% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.0588% | 2,265 |
| Net charge-offs to loans | 0.0390% | 1,134 |
| Credit loss provision to net charge-offs | 474.2424% | 673 |
| Earnings coverage of net charge-offs (x) | 36.6212% | 1,452 |
| Efficiency ratio | 69.3157% | 1,832 |
| Assets per employee ($millions) | 5.7426% | 2,930 |
| Cash dividends to net income (ytd only)* | 8.8773% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,427 |
| Loan loss allowance to noncurrent loans | 7,225.3521% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,664 |
| Noncurrent loans to loans | 0.0197% | 3,618 |
| Net loans and leases to total assets | 85.7700% | 163 |
| Net loans and leases to deposits | 106.0903% | 304 |
| Net loans and leases to core deposits | 126.4524% | 377 |
| Total domestic deposits to total assets | 80.8400% | 3,451 |
| Equity capital to assets | 9.6674% | 2,048 |
| Core capital (leverage) ratio | 10.5872% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7890% | 2,373 |
| Memoranda: | ||
| Average total assets | $407,252,000 | 1,988 |
| Average earning assets | $383,216,333 | 1,967 |
| Average equity | $39,553,667 | 1,895 |
| Average total loans | $338,770,000 | 1,635 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 1,537 |
| Cost of funding earning assets | 0.9908% | 2,079 |
| Net interest margin | 3.8444% | 1,589 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.6787% | 1,726 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.7741% | 3,281 |
| Return on assets (ROA) | 0.7741% | 3,237 |
| Pretax return on assets | 1.0473% | 2,864 |
| Return on Equity (ROE) | 7.9600% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.9650% | 2,230 |
| Net charge-offs to loans | 0.0232% | 1,221 |
| Credit loss provision to net charge-offs | 989.4737% | 364 |
| Earnings coverage of net charge-offs (x) | 65.5789% | 972 |
| Efficiency ratio | 68.4717% | 1,921 |
| Assets per employee ($millions) | 5.6582% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,237 |
| Loan loss allowance to noncurrent loans | 2,604.1237% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 3,315 |
| Noncurrent loans to loans | 0.0578% | 3,321 |
| Net loans and leases to total assets | 80.0300% | 538 |
| Net loans and leases to deposits | 98.3615% | 519 |
| Net loans and leases to core deposits | 119.6655% | 448 |
| Total domestic deposits to total assets | 81.3600% | 3,576 |
| Equity capital to assets | 9.5796% | 2,075 |
| Core capital (leverage) ratio | 10.8473% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3636% | 1,847 |
| Memoranda: | ||
| Average total assets | $404,070,500 | 2,030 |
| Average earning assets | $380,290,000 | 1,995 |
| Average equity | $39,272,000 | 1,926 |
| Average total loans | $328,276,500 | 1,689 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 1,104 |
| Cost of funding earning assets | 0.4718% | 1,576 |
| Net interest margin | 3.8024% | 1,158 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.7943% | 1,328 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.7419% | 3,506 |
| Return on assets (ROA) | 0.7419% | 3,446 |
| Pretax return on assets | 0.9849% | 3,118 |
| Return on Equity (ROE) | 8.4100% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.4087% | 1,675 |
| Net charge-offs to loans | 0.0117% | 1,945 |
| Credit loss provision to net charge-offs | 1,444.4444% | 340 |
| Earnings coverage of net charge-offs (x) | 121.0556% | 881 |
| Efficiency ratio | 71.4173% | 1,510 |
| Assets per employee ($millions) | 5.5647% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 1,698 |
| Loan loss allowance to noncurrent loans | 2,195.4315% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,304 |
| Noncurrent loans to loans | 0.0614% | 3,311 |
| Net loans and leases to total assets | 80.1400% | 577 |
| Net loans and leases to deposits | 95.9995% | 638 |
| Net loans and leases to core deposits | 114.3255% | 479 |
| Total domestic deposits to total assets | 83.4800% | 3,315 |
| Equity capital to assets | 9.8649% | 1,778 |
| Core capital (leverage) ratio | 10.6508% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2268% | 1,880 |
| Memoranda: | ||
| Average total assets | $389,680,800 | 2,062 |
| Average earning assets | $366,719,000 | 2,042 |
| Average equity | $34,381,200 | 2,136 |
| Average total loans | $307,428,200 | 1,691 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 941 |
| Cost of funding earning assets | 0.4130% | 1,203 |
| Net interest margin | 3.7571% | 1,021 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.7838% | 1,275 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.7354% | 3,465 |
| Return on assets (ROA) | 0.7354% | 3,409 |
| Pretax return on assets | 0.9720% | 3,106 |
| Return on Equity (ROE) | 8.5900% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.5938% | 1,788 |
| Net charge-offs to loans | 0.0079% | 1,848 |
| Credit loss provision to net charge-offs | 2,111.1111% | 241 |
| Earnings coverage of net charge-offs (x) | 178.3889% | 667 |
| Efficiency ratio | 71.6318% | 1,571 |
| Assets per employee ($millions) | 5.7069% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,343 |
| Loan loss allowance to noncurrent loans | 2,081.1881% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,402 |
| Noncurrent loans to loans | 0.0594% | 3,454 |
| Net loans and leases to total assets | 81.7300% | 397 |
| Net loans and leases to deposits | 98.3012% | 441 |
| Net loans and leases to core deposits | 115.4626% | 338 |
| Total domestic deposits to total assets | 83.1500% | 3,659 |
| Equity capital to assets | 9.1437% | 2,122 |
| Core capital (leverage) ratio | 10.1556% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1225% | 2,418 |
| Memoranda: | ||
| Average total assets | $388,327,000 | 2,087 |
| Average earning assets | $365,731,250 | 2,065 |
| Average equity | $33,232,500 | 2,220 |
| Average total loans | $304,045,000 | 1,696 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 924 |
| Cost of funding earning assets | 0.4046% | 891 |
| Net interest margin | 3.6053% | 1,056 |
| Noninterest income to average assets | 0.3634% | 2,969 |
| Noninterest expense to average assets | 2.8098% | 1,157 |
| Loan and lease loss provision to assets | 0.0893% | 1,104 |
| Net operating income to assets | 0.6534% | 3,464 |
| Return on assets (ROA) | 0.6534% | 3,415 |
| Pretax return on assets | 0.8619% | 3,169 |
| Return on Equity (ROE) | 7.8273% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.8273% | 1,682 |
| Net charge-offs to loans | 0.0274% | 1,175 |
| Credit loss provision to net charge-offs | 425.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 45.2750% | 1,202 |
| Efficiency ratio | 74.7102% | 1,424 |
| Assets per employee ($millions) | 6.2279% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,353 |
| Loan loss allowance to noncurrent loans | 3,644.0367% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,736 |
| Noncurrent loans to loans | 0.0347% | 3,693 |
| Net loans and leases to total assets | 72.1253% | 1,088 |
| Net loans and leases to deposits | 84.6087% | 1,078 |
| Net loans and leases to core deposits | 99.0404% | 710 |
| Total domestic deposits to total assets | 85.2457% | 3,428 |
| Equity capital to assets | 7.3672% | 3,552 |
| Core capital (leverage) ratio | 9.0754% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4765% | 2,931 |
| Memoranda: | ||
| Average total assets | $380,804,667 | 2,123 |
| Average earning assets | $358,862,333 | 2,105 |
| Average equity | $31,786,333 | 2,322 |
| Average total loans | $292,045,667 | 1,746 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 921 |
| Cost of funding earning assets | 0.3811% | 983 |
| Net interest margin | 3.5215% | 1,048 |
| Noninterest income to average assets | 0.3031% | 3,295 |
| Noninterest expense to average assets | 2.8276% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6050% | 3,379 |
| Return on assets (ROA) | 0.6050% | 3,360 |
| Pretax return on assets | 0.7947% | 3,123 |
| Return on Equity (ROE) | 6.7692% | 3,109 |
| Retained earnings to average equity (ytd only) | 6.7692% | 1,971 |
| Net charge-offs to loans | 0.0413% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 24.4138% | 1,213 |
| Efficiency ratio | 78.0601% | 1,308 |
| Assets per employee ($millions) | 5.4723% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 2,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 78.3717% | 349 |
| Net loans and leases to deposits | 88.9351% | 564 |
| Net loans and leases to core deposits | 108.2539% | 299 |
| Total domestic deposits to total assets | 88.1224% | 2,473 |
| Equity capital to assets | 8.6955% | 2,976 |
| Core capital (leverage) ratio | 9.2536% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9326% | 2,631 |
| Memoranda: | ||
| Average total assets | $356,343,500 | 2,228 |
| Average earning assets | $335,875,500 | 2,208 |
| Average equity | $31,850,000 | 2,394 |
| Average total loans | $281,111,500 | 1,786 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 889 |
| Cost of funding earning assets | 0.5104% | 885 |
| Net interest margin | 3.7613% | 1,083 |
| Noninterest income to average assets | 0.8951% | 1,215 |
| Noninterest expense to average assets | 2.8825% | 1,189 |
| Loan and lease loss provision to assets | 0.1434% | 835 |
| Net operating income to assets | 1.0841% | 2,356 |
| Return on assets (ROA) | 1.1098% | 2,316 |
| Pretax return on assets | 1.4529% | 1,870 |
| Return on Equity (ROE) | 12.5462% | 1,632 |
| Retained earnings to average equity (ytd only) | 12.5462% | 463 |
| Net charge-offs to loans | 0.0158% | 1,993 |
| Credit loss provision to net charge-offs | 1,178.5714% | 475 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 742 |
| Efficiency ratio | 64.8289% | 2,427 |
| Assets per employee ($millions) | 5.4924% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 77.2403% | 433 |
| Net loans and leases to deposits | 89.3513% | 590 |
| Net loans and leases to core deposits | 111.9352% | 258 |
| Total domestic deposits to total assets | 86.4457% | 2,737 |
| Equity capital to assets | 9.1664% | 3,449 |
| Core capital (leverage) ratio | 9.0048% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7143% | 2,722 |
| Memoranda: | ||
| Average total assets | $345,113,200 | 2,223 |
| Average earning assets | $325,840,600 | 2,204 |
| Average equity | $30,527,200 | 2,498 |
| Average total loans | $265,266,200 | 1,859 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 1,026 |
| Cost of funding earning assets | 0.5369% | 885 |
| Net interest margin | 3.7177% | 1,301 |
| Noninterest income to average assets | 1.0810% | 944 |
| Noninterest expense to average assets | 2.9712% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2329% | 2,051 |
| Return on assets (ROA) | 1.2673% | 1,984 |
| Pretax return on assets | 1.6577% | 1,527 |
| Return on Equity (ROE) | 14.4607% | 1,266 |
| Retained earnings to average equity (ytd only) | 14.4607% | 464 |
| Net charge-offs to loans | 0.0173% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 122.3235% | 767 |
| Efficiency ratio | 64.7960% | 2,277 |
| Assets per employee ($millions) | 5.6189% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,335 |
| Loan loss allowance to noncurrent loans | 167,750.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,300 |
| Noncurrent loans to loans | 0.0007% | 4,231 |
| Net loans and leases to total assets | 82.1590% | 179 |
| Net loans and leases to deposits | 94.7004% | 391 |
| Net loans and leases to core deposits | 118.8287% | 195 |
| Total domestic deposits to total assets | 86.7567% | 2,444 |
| Equity capital to assets | 8.8149% | 3,987 |
| Core capital (leverage) ratio | 9.0664% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2852% | 3,062 |
| Memoranda: | ||
| Average total assets | $343,513,500 | 2,254 |
| Average earning assets | $323,808,250 | 2,236 |
| Average equity | $30,103,750 | 2,557 |
| Average total loans | $262,745,000 | 1,898 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 1,238 |
| Cost of funding earning assets | 0.5518% | 931 |
| Net interest margin | 3.6141% | 1,559 |
| Noninterest income to average assets | 1.4846% | 551 |
| Noninterest expense to average assets | 3.0229% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4222% | 1,514 |
| Return on assets (ROA) | 1.4745% | 1,422 |
| Pretax return on assets | 1.9252% | 964 |
| Return on Equity (ROE) | 16.8605% | 806 |
| Retained earnings to average equity (ytd only) | 16.8605% | 280 |
| Net charge-offs to loans | 0.0215% | 1,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 116.4074% | 682 |
| Efficiency ratio | 61.9215% | 2,739 |
| Assets per employee ($millions) | 4.9287% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,744 |
| Loan loss allowance to noncurrent loans | 18,677.7778% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,281 |
| Noncurrent loans to loans | 0.0066% | 4,212 |
| Net loans and leases to total assets | 77.8236% | 456 |
| Net loans and leases to deposits | 85.7431% | 934 |
| Net loans and leases to core deposits | 107.3769% | 432 |
| Total domestic deposits to total assets | 90.7636% | 453 |
| Equity capital to assets | 8.9764% | 3,816 |
| Core capital (leverage) ratio | 9.0332% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0761% | 2,692 |
| Memoranda: | ||
| Average total assets | $338,148,333 | 2,269 |
| Average earning assets | $317,865,000 | 2,248 |
| Average equity | $29,572,000 | 2,591 |
| Average total loans | $250,724,667 | 1,958 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 2,161 |
| Cost of funding earning assets | 0.5503% | 1,101 |
| Net interest margin | 3.2282% | 2,612 |
| Noninterest income to average assets | 0.2474% | 3,914 |
| Noninterest expense to average assets | 2.7581% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4747% | 4,226 |
| Return on assets (ROA) | 0.6166% | 3,961 |
| Pretax return on assets | 0.7003% | 4,019 |
| Return on Equity (ROE) | 7.1484% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.1484% | 2,533 |
| Net charge-offs to loans | 0.0217% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 34.6923% | 1,035 |
| Efficiency ratio | 83.6535% | 616 |
| Assets per employee ($millions) | 5.0836% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,156 |
| Loan loss allowance to noncurrent loans | 16,076.1905% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,350 |
| Noncurrent loans to loans | 0.0085% | 4,277 |
| Net loans and leases to total assets | 71.9073% | 1,041 |
| Net loans and leases to deposits | 78.6936% | 1,644 |
| Net loans and leases to core deposits | 98.4354% | 785 |
| Total domestic deposits to total assets | 91.3762% | 268 |
| Equity capital to assets | 8.4823% | 4,131 |
| Core capital (leverage) ratio | 8.6715% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,719,500 | 2,263 |
| Average earning assets | $316,209,000 | 2,242 |
| Average equity | $28,873,500 | 2,626 |
| Average total loans | $240,158,000 | 2,030 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 1,404 |
| Cost of funding earning assets | 0.6196% | 2,185 |
| Net interest margin | 3.8430% | 1,381 |
| Noninterest income to average assets | 0.3497% | 3,368 |
| Noninterest expense to average assets | 2.8558% | 1,804 |
| Loan and lease loss provision to assets | 0.5740% | 370 |
| Net operating income to assets | 0.4561% | 4,128 |
| Return on assets (ROA) | 0.5875% | 3,898 |
| Pretax return on assets | 0.6810% | 3,924 |
| Return on Equity (ROE) | 5.9650% | 3,597 |
| Retained earnings to average equity (ytd only) | 5.9650% | 1,809 |
| Net charge-offs to loans | 0.0102% | 2,955 |
| Credit loss provision to net charge-offs | 8,100.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 155.5500% | 552 |
| Efficiency ratio | 72.1511% | 1,663 |
| Assets per employee ($millions) | 4.8358% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,730 |
| Loan loss allowance to noncurrent loans | 48,414.2857% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,470 |
| Noncurrent loans to loans | 0.0030% | 4,397 |
| Net loans and leases to total assets | 69.5279% | 1,617 |
| Net loans and leases to deposits | 76.8767% | 2,187 |
| Net loans and leases to core deposits | 95.6467% | 1,142 |
| Total domestic deposits to total assets | 90.4408% | 399 |
| Equity capital to assets | 8.7752% | 4,241 |
| Core capital (leverage) ratio | 8.5941% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2042% | 2,548 |
| Memoranda: | ||
| Average total assets | $282,230,400 | 2,391 |
| Average earning assets | $265,001,800 | 2,371 |
| Average equity | $27,795,400 | 2,615 |
| Average total loans | $196,937,000 | 2,263 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 1,687 |
| Cost of funding earning assets | 0.6303% | 2,428 |
| Net interest margin | 3.8262% | 1,554 |
| Noninterest income to average assets | 0.2410% | 4,042 |
| Noninterest expense to average assets | 2.7752% | 2,039 |
| Loan and lease loss provision to assets | 0.5436% | 506 |
| Net operating income to assets | 0.4420% | 4,184 |
| Return on assets (ROA) | 0.5810% | 3,925 |
| Pretax return on assets | 0.6731% | 3,961 |
| Return on Equity (ROE) | 5.7099% | 3,660 |
| Retained earnings to average equity (ytd only) | 5.7099% | 2,236 |
| Net charge-offs to loans | 0.0099% | 2,745 |
| Credit loss provision to net charge-offs | 7,878.5714% | 152 |
| Earnings coverage of net charge-offs (x) | 152.9286% | 592 |
| Efficiency ratio | 72.4559% | 1,585 |
| Assets per employee ($millions) | 5.0027% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,969 |
| Loan loss allowance to noncurrent loans | 11,512.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,344 |
| Noncurrent loans to loans | 0.0099% | 4,407 |
| Net loans and leases to total assets | 76.6509% | 1,010 |
| Net loans and leases to deposits | 91.9095% | 1,078 |
| Net loans and leases to core deposits | 124.3611% | 335 |
| Total domestic deposits to total assets | 83.3983% | 3,025 |
| Equity capital to assets | 8.7737% | 4,272 |
| Core capital (leverage) ratio | 10.5038% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2073% | 2,866 |
| Memoranda: | ||
| Average total assets | $270,579,250 | 2,434 |
| Average earning assets | $253,825,000 | 2,421 |
| Average equity | $27,530,250 | 2,619 |
| Average total loans | $188,166,000 | 2,344 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 1,971 |
| Cost of funding earning assets | 0.6527% | 2,679 |
| Net interest margin | 3.8296% | 1,742 |
| Noninterest income to average assets | 0.2591% | 3,924 |
| Noninterest expense to average assets | 2.9551% | 1,703 |
| Loan and lease loss provision to assets | 0.4953% | 733 |
| Net operating income to assets | 0.3337% | 4,358 |
| Return on assets (ROA) | 0.5460% | 3,978 |
| Pretax return on assets | 0.6466% | 3,976 |
| Return on Equity (ROE) | 5.0667% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.0667% | 2,445 |
| Net charge-offs to loans | 0.0048% | 2,800 |
| Credit loss provision to net charge-offs | 15,625.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 280.5000% | 336 |
| Efficiency ratio | 76.8707% | 1,173 |
| Assets per employee ($millions) | 5.0478% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 2,777 |
| Loan loss allowance to noncurrent loans | 2,563.8298% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,396 |
| Noncurrent loans to loans | 0.0449% | 4,303 |
| Net loans and leases to total assets | 67.2304% | 2,471 |
| Net loans and leases to deposits | 79.8854% | 2,440 |
| Net loans and leases to core deposits | 106.1100% | 890 |
| Total domestic deposits to total assets | 84.1585% | 2,702 |
| Equity capital to assets | 9.1042% | 3,994 |
| Core capital (leverage) ratio | 10.2971% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,379,667 | 2,531 |
| Average earning assets | $236,267,333 | 2,515 |
| Average equity | $27,197,000 | 2,631 |
| Average total loans | $166,844,667 | 2,501 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 2,646 |
| Cost of funding earning assets | 0.6958% | 2,953 |
| Net interest margin | 3.6967% | 2,334 |
| Noninterest income to average assets | 0.3206% | 3,601 |
| Noninterest expense to average assets | 3.6329% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1179% | 4,639 |
| Return on assets (ROA) | 0.4416% | 4,089 |
| Pretax return on assets | 0.4915% | 4,139 |
| Return on Equity (ROE) | 3.7044% | 4,037 |
| Retained earnings to average equity (ytd only) | 3.7044% | 2,803 |
| Net charge-offs to loans | 0.0027% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 700 |
| Efficiency ratio | 96.4995% | 309 |
| Assets per employee ($millions) | 3.8540% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 2,868 |
| Loan loss allowance to noncurrent loans | 831.1628% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,164 |
| Noncurrent loans to loans | 0.1398% | 3,967 |
| Net loans and leases to total assets | 62.5909% | 3,239 |
| Net loans and leases to deposits | 70.4246% | 3,555 |
| Net loans and leases to core deposits | 82.4888% | 2,980 |
| Total domestic deposits to total assets | 88.8764% | 718 |
| Equity capital to assets | 10.9160% | 2,928 |
| Core capital (leverage) ratio | 11.6608% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,613,000 | 2,674 |
| Average earning assets | $209,270,500 | 2,673 |
| Average equity | $26,779,000 | 2,652 |
| Average total loans | $145,556,500 | 2,674 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 3,231 |
| Cost of funding earning assets | 0.6140% | 3,582 |
| Net interest margin | 3.7918% | 2,525 |
| Noninterest income to average assets | 0.5757% | 2,335 |
| Noninterest expense to average assets | 3.5576% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4831% | 4,443 |
| Return on assets (ROA) | 0.5180% | 4,417 |
| Pretax return on assets | 0.5482% | 4,495 |
| Return on Equity (ROE) | 3.6987% | 4,536 |
| Retained earnings to average equity (ytd only) | 2.7041% | 3,685 |
| Net charge-offs to loans | 0.0320% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 30.1563% | 1,578 |
| Efficiency ratio | 87.4382% | 470 |
| Assets per employee ($millions) | 3.2766% | 4,661 |
| Cash dividends to net income (ytd only)* | 26.8916% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 1,910 |
| Loan loss allowance to noncurrent loans | 795.1111% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 4,009 |
| Noncurrent loans to loans | 0.1638% | 3,877 |
| Net loans and leases to total assets | 65.6731% | 2,990 |
| Net loans and leases to deposits | 81.0323% | 2,659 |
| Net loans and leases to core deposits | 97.4300% | 1,777 |
| Total domestic deposits to total assets | 81.0456% | 3,760 |
| Equity capital to assets | 13.1058% | 1,457 |
| Core capital (leverage) ratio | 13.2992% | 1,116 |
| Tier 1 risk-based capital ratio | 16.4691% | 2,225 |
| Total risk-based capital ratio | 17.5746% | 2,229 |
| Memoranda: | ||
| Average total assets | $188,807,800 | 2,927 |
| Average earning assets | $173,928,800 | 2,942 |
| Average equity | $26,441,400 | 2,598 |
| Average total loans | $100,025,200 | 3,223 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 3,875 |
| Cost of funding earning assets | 0.5747% | 3,802 |
| Net interest margin | 3.6484% | 3,100 |
| Noninterest income to average assets | 0.5191% | 2,611 |
| Noninterest expense to average assets | 3.4944% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3796% | 4,756 |
| Return on assets (ROA) | 0.4280% | 4,699 |
| Pretax return on assets | 0.4288% | 4,778 |
| Return on Equity (ROE) | 3.0025% | 4,763 |
| Retained earnings to average equity (ytd only) | 2.3280% | 4,165 |
| Net charge-offs to loans | 0.0294% | 2,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 26.2962% | 1,747 |
| Efficiency ratio | 90.1847% | 318 |
| Assets per employee ($millions) | 3.5380% | 4,463 |
| Cash dividends to net income (ytd only)* | 22.4665% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,515 |
| Loan loss allowance to noncurrent loans | 469.9739% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 3,751 |
| Noncurrent loans to loans | 0.3010% | 3,462 |
| Net loans and leases to total assets | 61.1305% | 3,577 |
| Net loans and leases to deposits | 78.6124% | 3,041 |
| Net loans and leases to core deposits | 95.1377% | 2,073 |
| Total domestic deposits to total assets | 77.7619% | 4,396 |
| Equity capital to assets | 13.3200% | 1,456 |
| Core capital (leverage) ratio | 13.6886% | 1,082 |
| Tier 1 risk-based capital ratio | 18.7212% | 1,633 |
| Total risk-based capital ratio | 19.9706% | 1,601 |
| Memoranda: | ||
| Average total assets | $184,403,000 | 3,001 |
| Average earning assets | $169,603,500 | 3,018 |
| Average equity | $26,288,250 | 2,619 |
| Average total loans | $90,692,500 | 3,425 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 4,508 |
| Cost of funding earning assets | 0.4781% | 4,212 |
| Net interest margin | 3.4549% | 3,729 |
| Noninterest income to average assets | 0.6131% | 2,090 |
| Noninterest expense to average assets | 3.4879% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3088% | 4,866 |
| Return on assets (ROA) | 0.3843% | 4,777 |
| Pretax return on assets | 0.3685% | 4,864 |
| Return on Equity (ROE) | 2.6291% | 4,854 |
| Retained earnings to average equity (ytd only) | 1.6037% | 4,247 |
| Net charge-offs to loans | 0.0433% | 2,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 15.2941% | 1,994 |
| Efficiency ratio | 92.2504% | 273 |
| Assets per employee ($millions) | 3.2179% | 4,761 |
| Cash dividends to net income (ytd only)* | 39.0029% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 706 |
| Loan loss allowance to noncurrent loans | 454.1562% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 3,673 |
| Noncurrent loans to loans | 0.3917% | 3,121 |
| Net loans and leases to total assets | 51.5662% | 4,382 |
| Net loans and leases to deposits | 64.2835% | 4,212 |
| Net loans and leases to core deposits | 71.3909% | 4,041 |
| Total domestic deposits to total assets | 80.2169% | 3,993 |
| Equity capital to assets | 13.8802% | 1,170 |
| Core capital (leverage) ratio | 14.7909% | 754 |
| Tier 1 risk-based capital ratio | 20.7131% | 1,215 |
| Total risk-based capital ratio | 21.9654% | 1,191 |
| Memoranda: | ||
| Average total assets | $177,470,000 | 3,085 |
| Average earning assets | $162,726,330 | 3,106 |
| Average equity | $25,940,000 | 2,639 |
| Average total loans | $78,509,670 | 3,685 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 4,651 |
| Cost of funding earning assets | 0.3867% | 4,544 |
| Net interest margin | 3.4490% | 3,753 |
| Noninterest income to average assets | 0.9336% | 957 |
| Noninterest expense to average assets | 3.4397% | 1,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6106% | 4,203 |
| Return on assets (ROA) | 0.6106% | 4,245 |
| Pretax return on assets | 0.6483% | 4,421 |
| Return on Equity (ROE) | 4.0611% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.0611% | 3,294 |
| Net charge-offs to loans | 0.0656% | 1,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,441 |
| Efficiency ratio | 84.1407% | 700 |
| Assets per employee ($millions) | 2.9769% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6167% | 214 |
| Loan loss allowance to noncurrent loans | 478.8360% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 3,677 |
| Noncurrent loans to loans | 0.5465% | 2,677 |
| Net loans and leases to total assets | 38.3512% | 4,945 |
| Net loans and leases to deposits | 44.8759% | 4,961 |
| Net loans and leases to core deposits | 49.3371% | 4,911 |
| Total domestic deposits to total assets | 85.4606% | 2,499 |
| Equity capital to assets | 14.5024% | 877 |
| Core capital (leverage) ratio | 15.2089% | 653 |
| Tier 1 risk-based capital ratio | 24.0862% | 837 |
| Total risk-based capital ratio | 25.3418% | 818 |
| Memoranda: | ||
| Average total assets | $169,668,000 | 3,195 |
| Average earning assets | $155,176,000 | 3,212 |
| Average equity | $25,510,500 | 2,679 |
| Average total loans | $67,082,500 | 3,942 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5255% | 4,892 |
| Cost of funding earning assets | 0.3146% | 4,496 |
| Net interest margin | 3.2110% | 4,465 |
| Noninterest income to average assets | 0.3910% | 3,489 |
| Noninterest expense to average assets | 2.9442% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4018% | 4,862 |
| Return on assets (ROA) | 0.4046% | 4,847 |
| Pretax return on assets | 0.3904% | 4,941 |
| Return on Equity (ROE) | 2.8194% | 4,933 |
| Retained earnings to average equity (ytd only) | 1.7185% | 4,460 |
| Net charge-offs to loans | 0.1115% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 10.4923% | 2,713 |
| Efficiency ratio | 88.3677% | 414 |
| Assets per employee ($millions) | 2.9231% | 5,034 |
| Cash dividends to net income (ytd only)* | 39.0449% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8018% | 164 |
| Loan loss allowance to noncurrent loans | 341.0112% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 3,028 |
| Noncurrent loans to loans | 0.8216% | 1,964 |
| Net loans and leases to total assets | 38.5923% | 4,994 |
| Net loans and leases to deposits | 45.8610% | 4,986 |
| Net loans and leases to core deposits | 46.5487% | 5,021 |
| Total domestic deposits to total assets | 84.1505% | 2,956 |
| Equity capital to assets | 15.6076% | 598 |
| Core capital (leverage) ratio | 15.8977% | 525 |
| Tier 1 risk-based capital ratio | 29.6379% | 480 |
| Total risk-based capital ratio | 30.8969% | 471 |
| Memoranda: | ||
| Average total assets | $175,973,200 | 3,101 |
| Average earning assets | $161,167,200 | 3,128 |
| Average equity | $25,254,000 | 2,629 |
| Average total loans | $58,292,600 | 4,137 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 5,040 |
| Cost of funding earning assets | 0.3093% | 4,460 |
| Net interest margin | 3.0869% | 4,726 |
| Noninterest income to average assets | 0.3999% | 3,482 |
| Noninterest expense to average assets | 2.8469% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3835% | 4,984 |
| Return on assets (ROA) | 0.3865% | 4,980 |
| Pretax return on assets | 0.3880% | 5,045 |
| Return on Equity (ROE) | 2.7481% | 5,038 |
| Retained earnings to average equity (ytd only) | 2.0068% | 4,579 |
| Net charge-offs to loans | 0.1578% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.7166% | 2,781 |
| Efficiency ratio | 88.0876% | 400 |
| Assets per employee ($millions) | 3.2766% | 4,799 |
| Cash dividends to net income (ytd only)* | 26.9748% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 224 |
| Loan loss allowance to noncurrent loans | 592.5081% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 3,766 |
| Noncurrent loans to loans | 0.4309% | 3,111 |
| Net loans and leases to total assets | 41.5431% | 4,982 |
| Net loans and leases to deposits | 49.0282% | 4,982 |
| Net loans and leases to core deposits | 52.4601% | 4,953 |
| Total domestic deposits to total assets | 84.7330% | 2,708 |
| Equity capital to assets | 14.7673% | 770 |
| Core capital (leverage) ratio | 15.3068% | 631 |
| Tier 1 risk-based capital ratio | 28.1175% | 564 |
| Total risk-based capital ratio | 29.3753% | 553 |
| Memoranda: | ||
| Average total assets | $179,042,500 | 3,085 |
| Average earning assets | $164,260,250 | 3,106 |
| Average equity | $25,180,250 | 2,647 |
| Average total loans | $56,617,000 | 4,214 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1542% | 5,262 |
| Cost of funding earning assets | 0.2933% | 4,458 |
| Net interest margin | 2.8609% | 5,065 |
| Noninterest income to average assets | 0.4163% | 3,379 |
| Noninterest expense to average assets | 2.7330% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3409% | 5,059 |
| Return on assets (ROA) | 0.3453% | 5,051 |
| Pretax return on assets | 0.3202% | 5,142 |
| Return on Equity (ROE) | 2.4933% | 5,099 |
| Retained earnings to average equity (ytd only) | 1.3887% | 4,665 |
| Net charge-offs to loans | -0.0077% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6416% | 385 |
| Assets per employee ($millions) | 3.8094% | 4,195 |
| Cash dividends to net income (ytd only)* | 44.3038% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0256% | 138 |
| Loan loss allowance to noncurrent loans | 281.3711% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 3,153 |
| Noncurrent loans to loans | 1.0753% | 1,641 |
| Net loans and leases to total assets | 33.0936% | 5,266 |
| Net loans and leases to deposits | 38.4313% | 5,280 |
| Net loans and leases to core deposits | 42.1009% | 5,240 |
| Total domestic deposits to total assets | 86.1111% | 2,228 |
| Equity capital to assets | 13.6822% | 1,032 |
| Core capital (leverage) ratio | 14.4808% | 785 |
| Tier 1 risk-based capital ratio | 28.9191% | 523 |
| Total risk-based capital ratio | 30.1781% | 515 |
| Memoranda: | ||
| Average total assets | $183,021,330 | 3,067 |
| Average earning assets | $168,409,000 | 3,084 |
| Average equity | $25,348,000 | 2,643 |
| Average total loans | $51,742,670 | 4,355 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0273% | 5,356 |
| Cost of funding earning assets | 0.2894% | 4,418 |
| Net interest margin | 2.7378% | 5,225 |
| Noninterest income to average assets | 0.4413% | 3,174 |
| Noninterest expense to average assets | 2.7307% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2447% | 5,191 |
| Return on assets (ROA) | 0.2512% | 5,180 |
| Pretax return on assets | 0.2381% | 5,231 |
| Return on Equity (ROE) | 1.8030% | 5,209 |
| Retained earnings to average equity (ytd only) | 1.8030% | 4,413 |
| Net charge-offs to loans | 0.0086% | 2,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 589 |
| Efficiency ratio | 92.1829% | 357 |
| Assets per employee ($millions) | 3.7807% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1595% | 56 |
| Loan loss allowance to noncurrent loans | 622.1122% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 4,114 |
| Noncurrent loans to loans | 0.6686% | 2,543 |
| Net loans and leases to total assets | 23.4454% | 5,470 |
| Net loans and leases to deposits | 27.1570% | 5,479 |
| Net loans and leases to core deposits | 29.7609% | 5,463 |
| Total domestic deposits to total assets | 86.3327% | 2,391 |
| Equity capital to assets | 13.5502% | 1,029 |
| Core capital (leverage) ratio | 14.4712% | 769 |
| Tier 1 risk-based capital ratio | 32.8987% | 379 |
| Total risk-based capital ratio | 34.1616% | 372 |
| Memoranda: | ||
| Average total assets | $183,106,500 | 3,100 |
| Average earning assets | $168,600,500 | 3,113 |
| Average equity | $25,513,000 | 2,654 |
| Average total loans | $46,414,000 | 4,524 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 4,981 |
| Cost of funding earning assets | 0.2831% | 4,290 |
| Net interest margin | 3.0881% | 4,717 |
| Noninterest income to average assets | 0.4207% | 3,499 |
| Noninterest expense to average assets | 2.8038% | 2,758 |
| Loan and lease loss provision to assets | -0.3439% | 5,626 |
| Net operating income to assets | 0.4537% | 4,519 |
| Return on assets (ROA) | 0.3748% | 4,784 |
| Pretax return on assets | 0.6694% | 4,580 |
| Return on Equity (ROE) | 2.5380% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.4242% | 4,434 |
| Net charge-offs to loans | -0.2333% | 5,538 |
| Credit loss provision to net charge-offs | 434.7826% | 713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2026% | 631 |
| Assets per employee ($millions) | 3.6931% | 4,439 |
| Cash dividends to net income (ytd only)* | 43.8838% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9697% | 62 |
| Loan loss allowance to noncurrent loans | 472.6817% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 3,891 |
| Noncurrent loans to loans | 0.8398% | 2,121 |
| Net loans and leases to total assets | 25.2121% | 5,514 |
| Net loans and leases to deposits | 29.5160% | 5,526 |
| Net loans and leases to core deposits | 31.8348% | 5,507 |
| Total domestic deposits to total assets | 85.4184% | 2,686 |
| Equity capital to assets | 14.3257% | 828 |
| Core capital (leverage) ratio | 14.9982% | 619 |
| Tier 1 risk-based capital ratio | 35.8269% | 298 |
| Total risk-based capital ratio | 37.0922% | 297 |
| Memoranda: | ||
| Average total assets | $174,479,000 | 3,187 |
| Average earning assets | $159,998,800 | 3,199 |
| Average equity | $25,768,800 | 2,622 |
| Average total loans | $59,139,800 | 4,220 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 4,866 |
| Cost of funding earning assets | 0.2812% | 4,301 |
| Net interest margin | 3.1879% | 4,481 |
| Noninterest income to average assets | 0.4312% | 3,467 |
| Noninterest expense to average assets | 2.8385% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4777% | 4,799 |
| Return on assets (ROA) | 0.4805% | 4,828 |
| Pretax return on assets | 0.5160% | 4,992 |
| Return on Equity (ROE) | 3.2283% | 5,057 |
| Retained earnings to average equity (ytd only) | 2.4873% | 4,404 |
| Net charge-offs to loans | -0.2944% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6951% | 707 |
| Assets per employee ($millions) | 3.2212% | 5,045 |
| Cash dividends to net income (ytd only)* | 22.9531% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8763% | 75 |
| Loan loss allowance to noncurrent loans | 783.9117% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 4,160 |
| Noncurrent loans to loans | 0.4945% | 3,215 |
| Net loans and leases to total assets | 37.5099% | 5,287 |
| Net loans and leases to deposits | 45.7398% | 5,265 |
| Net loans and leases to core deposits | 48.8924% | 5,234 |
| Total domestic deposits to total assets | 82.0072% | 3,779 |
| Equity capital to assets | 16.0456% | 538 |
| Core capital (leverage) ratio | 15.6891% | 539 |
| Tier 1 risk-based capital ratio | 30.3663% | 465 |
| Total risk-based capital ratio | 31.6356% | 458 |
| Memoranda: | ||
| Average total assets | $172,858,500 | 3,233 |
| Average earning assets | $158,343,000 | 3,247 |
| Average equity | $25,730,000 | 2,645 |
| Average total loans | $62,047,250 | 4,191 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3022% | 5,102 |
| Cost of funding earning assets | 0.2579% | 4,476 |
| Net interest margin | 3.0443% | 4,809 |
| Noninterest income to average assets | 0.4325% | 3,471 |
| Noninterest expense to average assets | 2.7203% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4715% | 4,784 |
| Return on assets (ROA) | 0.4758% | 4,803 |
| Pretax return on assets | 0.5110% | 4,987 |
| Return on Equity (ROE) | 3.2759% | 5,048 |
| Retained earnings to average equity (ytd only) | 2.1552% | 4,389 |
| Net charge-offs to loans | -0.4628% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3034% | 820 |
| Assets per employee ($millions) | 3.5270% | 4,672 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6302% | 85 |
| Loan loss allowance to noncurrent loans | 443.8503% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,800 |
| Noncurrent loans to loans | 0.8179% | 2,357 |
| Net loans and leases to total assets | 39.0450% | 5,255 |
| Net loans and leases to deposits | 47.0239% | 5,248 |
| Net loans and leases to core deposits | 50.5638% | 5,200 |
| Total domestic deposits to total assets | 83.0322% | 3,556 |
| Equity capital to assets | 15.5490% | 605 |
| Core capital (leverage) ratio | 15.2255% | 590 |
| Tier 1 risk-based capital ratio | 28.1646% | 542 |
| Total risk-based capital ratio | 29.4310% | 530 |
| Memoranda: | ||
| Average total assets | $175,717,330 | 3,214 |
| Average earning assets | $161,285,330 | 3,221 |
| Average equity | $25,520,000 | 2,666 |
| Average total loans | $61,360,670 | 4,229 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1338% | 5,327 |
| Cost of funding earning assets | 0.2555% | 4,492 |
| Net interest margin | 2.8783% | 5,121 |
| Noninterest income to average assets | 0.4605% | 3,249 |
| Noninterest expense to average assets | 2.7274% | 3,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3867% | 4,982 |
| Return on assets (ROA) | 0.3957% | 4,979 |
| Pretax return on assets | 0.3867% | 5,184 |
| Return on Equity (ROE) | 2.8187% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.8187% | 4,000 |
| Net charge-offs to loans | -0.8451% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8330% | 670 |
| Assets per employee ($millions) | 3.6100% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2774% | 68 |
| Loan loss allowance to noncurrent loans | 1,187.5000% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,683 |
| Noncurrent loans to loans | 0.3602% | 3,802 |
| Net loans and leases to total assets | 30.6238% | 5,568 |
| Net loans and leases to deposits | 35.7099% | 5,590 |
| Net loans and leases to core deposits | 39.7629% | 5,531 |
| Total domestic deposits to total assets | 85.7573% | 2,772 |
| Equity capital to assets | 14.1091% | 874 |
| Core capital (leverage) ratio | 14.3571% | 752 |
| Tier 1 risk-based capital ratio | 29.4622% | 499 |
| Total risk-based capital ratio | 30.7314% | 498 |
| Memoranda: | ||
| Average total assets | $178,927,500 | 3,199 |
| Average earning assets | $164,400,500 | 3,209 |
| Average equity | $25,118,000 | 2,704 |
| Average total loans | $57,745,000 | 4,360 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 4,855 |
| Cost of funding earning assets | 0.2604% | 4,459 |
| Net interest margin | 3.2062% | 4,440 |
| Noninterest income to average assets | 0.4163% | 3,767 |
| Noninterest expense to average assets | 2.7950% | 3,037 |
| Loan and lease loss provision to assets | 0.0954% | 2,454 |
| Net operating income to assets | 0.4762% | 4,725 |
| Return on assets (ROA) | 0.4975% | 4,719 |
| Pretax return on assets | 0.5068% | 5,011 |
| Return on Equity (ROE) | 3.3842% | 5,048 |
| Retained earnings to average equity (ytd only) | -4.0291% | 5,636 |
| Net charge-offs to loans | 0.5556% | 424 |
| Credit loss provision to net charge-offs | 44.9871% | 3,442 |
| Earnings coverage of net charge-offs (x) | 2.7378% | 3,778 |
| Efficiency ratio | 82.8059% | 1,114 |
| Assets per employee ($millions) | 3.5471% | 4,681 |
| Cash dividends to net income (ytd only)* | 219.0581% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0662% | 74 |
| Loan loss allowance to noncurrent loans | 1,820.1550% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,907 |
| Noncurrent loans to loans | 0.2234% | 4,351 |
| Net loans and leases to total assets | 31.2345% | 5,616 |
| Net loans and leases to deposits | 36.4311% | 5,632 |
| Net loans and leases to core deposits | 41.3338% | 5,564 |
| Total domestic deposits to total assets | 85.7360% | 2,705 |
| Equity capital to assets | 13.9658% | 898 |
| Core capital (leverage) ratio | 14.4075% | 716 |
| Tier 1 risk-based capital ratio | 32.1159% | 409 |
| Total risk-based capital ratio | 33.3855% | 399 |
| Memoranda: | ||
| Average total assets | $183,507,800 | 3,128 |
| Average earning assets | $169,357,000 | 3,121 |
| Average equity | $26,978,400 | 2,572 |
| Average total loans | $70,018,400 | 4,043 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 4,822 |
| Cost of funding earning assets | 0.2580% | 4,535 |
| Net interest margin | 3.2357% | 4,385 |
| Noninterest income to average assets | 0.4100% | 3,848 |
| Noninterest expense to average assets | 2.7891% | 3,046 |
| Loan and lease loss provision to assets | 0.2702% | 660 |
| Net operating income to assets | 0.3819% | 5,083 |
| Return on assets (ROA) | 0.4085% | 5,082 |
| Pretax return on assets | 0.3682% | 5,357 |
| Return on Equity (ROE) | 2.7459% | 5,288 |
| Retained earnings to average equity (ytd only) | 1.0364% | 5,076 |
| Net charge-offs to loans | 1.1803% | 134 |
| Credit loss provision to net charge-offs | 57.9598% | 2,935 |
| Earnings coverage of net charge-offs (x) | 1.3122% | 3,709 |
| Efficiency ratio | 82.0127% | 1,187 |
| Assets per employee ($millions) | 3.5890% | 4,659 |
| Cash dividends to net income (ytd only)* | 62.2569% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8241% | 235 |
| Loan loss allowance to noncurrent loans | 426.4432% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 4,085 |
| Noncurrent loans to loans | 0.6622% | 3,045 |
| Net loans and leases to total assets | 43.9109% | 5,196 |
| Net loans and leases to deposits | 52.1213% | 5,196 |
| Net loans and leases to core deposits | 59.2924% | 4,977 |
| Total domestic deposits to total assets | 84.2476% | 3,124 |
| Equity capital to assets | 15.5641% | 622 |
| Core capital (leverage) ratio | 15.3408% | 577 |
| Tier 1 risk-based capital ratio | 27.7339% | 595 |
| Total risk-based capital ratio | 28.9968% | 582 |
| Memoranda: | ||
| Average total assets | $185,046,000 | 3,118 |
| Average earning assets | $171,048,250 | 3,109 |
| Average equity | $27,530,750 | 2,554 |
| Average total loans | $73,087,000 | 3,987 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 5,213 |
| Cost of funding earning assets | 0.2532% | 4,627 |
| Net interest margin | 3.0825% | 4,880 |
| Noninterest income to average assets | 0.4045% | 3,846 |
| Noninterest expense to average assets | 2.8217% | 2,958 |
| Loan and lease loss provision to assets | 0.3210% | 536 |
| Net operating income to assets | 0.2333% | 5,464 |
| Return on assets (ROA) | 0.2632% | 5,478 |
| Pretax return on assets | 0.1445% | 5,674 |
| Return on Equity (ROE) | 1.7958% | 5,555 |
| Retained earnings to average equity (ytd only) | -0.7811% | 5,410 |
| Net charge-offs to loans | 1.8432% | 77 |
| Credit loss provision to net charge-offs | 46.2250% | 2,707 |
| Earnings coverage of net charge-offs (x) | 0.6271% | 3,504 |
| Efficiency ratio | 86.6294% | 822 |
| Assets per employee ($millions) | 3.6246% | 4,561 |
| Cash dividends to net income (ytd only)* | 143.4959% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 232 |
| Loan loss allowance to noncurrent loans | 185.6544% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 2,985 |
| Noncurrent loans to loans | 1.5461% | 1,395 |
| Net loans and leases to total assets | 40.5092% | 5,397 |
| Net loans and leases to deposits | 47.8009% | 5,424 |
| Net loans and leases to core deposits | 54.3390% | 5,259 |
| Total domestic deposits to total assets | 84.7455% | 2,983 |
| Equity capital to assets | 14.9077% | 750 |
| Core capital (leverage) ratio | 14.8098% | 640 |
| Tier 1 risk-based capital ratio | 27.4314% | 622 |
| Total risk-based capital ratio | 28.6927% | 609 |
| Memoranda: | ||
| Average total assets | $186,910,670 | 3,116 |
| Average earning assets | $172,977,000 | 3,109 |
| Average equity | $27,397,670 | 2,570 |
| Average total loans | $70,419,670 | 4,085 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2196% | 5,459 |
| Cost of funding earning assets | 0.2528% | 4,674 |
| Net interest margin | 2.9668% | 5,189 |
| Noninterest income to average assets | 0.4193% | 3,685 |
| Noninterest expense to average assets | 2.7754% | 3,166 |
| Loan and lease loss provision to assets | 0.1596% | 1,306 |
| Net operating income to assets | 0.3129% | 5,268 |
| Return on assets (ROA) | 0.3384% | 5,276 |
| Pretax return on assets | 0.2575% | 5,572 |
| Return on Equity (ROE) | 2.3282% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.3282% | 4,322 |
| Net charge-offs to loans | 2.8920% | 38 |
| Credit loss provision to net charge-offs | 15.4639% | 2,323 |
| Earnings coverage of net charge-offs (x) | 0.3794% | 2,934 |
| Efficiency ratio | 87.6344% | 843 |
| Assets per employee ($millions) | 3.6131% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3557% | 157 |
| Loan loss allowance to noncurrent loans | 230.4069% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 3,499 |
| Noncurrent loans to loans | 1.4564% | 1,623 |
| Net loans and leases to total assets | 32.9877% | 5,750 |
| Net loans and leases to deposits | 38.7229% | 5,754 |
| Net loans and leases to core deposits | 43.8258% | 5,661 |
| Total domestic deposits to total assets | 85.1891% | 3,043 |
| Equity capital to assets | 14.6874% | 778 |
| Core capital (leverage) ratio | 14.7447% | 656 |
| Tier 1 risk-based capital ratio | 29.3874% | 532 |
| Total risk-based capital ratio | 30.6503% | 523 |
| Memoranda: | ||
| Average total assets | $187,937,500 | 3,114 |
| Average earning assets | $174,057,500 | 3,111 |
| Average equity | $27,317,500 | 2,576 |
| Average total loans | $67,081,000 | 4,189 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,665 |
| Cost of funding earning assets | 0.2706% | 4,580 |
| Net interest margin | 3.3330% | 4,175 |
| Noninterest income to average assets | 0.5421% | 3,062 |
| Noninterest expense to average assets | 2.8403% | 3,069 |
| Loan and lease loss provision to assets | 0.1828% | 1,233 |
| Net operating income to assets | 0.5727% | 4,409 |
| Return on assets (ROA) | 0.7097% | 3,876 |
| Pretax return on assets | 0.7525% | 4,355 |
| Return on Equity (ROE) | 4.9718% | 4,517 |
| Retained earnings to average equity (ytd only) | -0.5597% | 5,604 |
| Net charge-offs to loans | 0.3402% | 872 |
| Credit loss provision to net charge-offs | 128.6765% | 2,032 |
| Earnings coverage of net charge-offs (x) | 5.5588% | 3,365 |
| Efficiency ratio | 78.2477% | 1,931 |
| Assets per employee ($millions) | 3.6153% | 4,621 |
| Cash dividends to net income (ytd only)* | 111.2583% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6583% | 110 |
| Loan loss allowance to noncurrent loans | 746.9388% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 4,761 |
| Noncurrent loans to loans | 0.4898% | 3,737 |
| Net loans and leases to total assets | 35.8896% | 5,715 |
| Net loans and leases to deposits | 42.0534% | 5,709 |
| Net loans and leases to core deposits | 47.9405% | 5,567 |
| Total domestic deposits to total assets | 85.3431% | 2,927 |
| Equity capital to assets | 14.3835% | 803 |
| Core capital (leverage) ratio | 14.5053% | 712 |
| Tier 1 risk-based capital ratio | 29.8193% | 512 |
| Total risk-based capital ratio | 31.0876% | 504 |
| Memoranda: | ||
| Average total assets | $191,491,000 | 3,029 |
| Average earning assets | $177,409,000 | 3,026 |
| Average equity | $27,334,400 | 2,515 |
| Average total loans | $79,945,800 | 3,830 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 4,654 |
| Cost of funding earning assets | 0.2738% | 4,622 |
| Net interest margin | 3.3512% | 4,136 |
| Noninterest income to average assets | 0.5801% | 2,852 |
| Noninterest expense to average assets | 2.8140% | 3,132 |
| Loan and lease loss provision to assets | 0.1906% | 1,066 |
| Net operating income to assets | 0.6266% | 4,258 |
| Return on assets (ROA) | 0.8026% | 3,514 |
| Pretax return on assets | 0.8719% | 4,085 |
| Return on Equity (ROE) | 5.6332% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.9015% | 3,692 |
| Net charge-offs to loans | 0.3591% | 732 |
| Credit loss provision to net charge-offs | 123.8739% | 1,934 |
| Earnings coverage of net charge-offs (x) | 5.6622% | 3,172 |
| Efficiency ratio | 76.3588% | 2,188 |
| Assets per employee ($millions) | 3.4528% | 4,889 |
| Cash dividends to net income (ytd only)* | 30.7424% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8941% | 274 |
| Loan loss allowance to noncurrent loans | 561.2832% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 4,702 |
| Noncurrent loans to loans | 0.5156% | 3,806 |
| Net loans and leases to total assets | 44.8240% | 5,301 |
| Net loans and leases to deposits | 52.6452% | 5,331 |
| Net loans and leases to core deposits | 61.7424% | 4,958 |
| Total domestic deposits to total assets | 85.1436% | 2,952 |
| Equity capital to assets | 14.7031% | 805 |
| Core capital (leverage) ratio | 14.7893% | 684 |
| Tier 1 risk-based capital ratio | 27.4321% | 655 |
| Total risk-based capital ratio | 28.6968% | 639 |
| Memoranda: | ||
| Average total assets | $192,365,500 | 3,048 |
| Average earning assets | $178,242,500 | 3,048 |
| Average equity | $27,408,000 | 2,523 |
| Average total loans | $82,424,250 | 3,795 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 5,153 |
| Cost of funding earning assets | 0.2759% | 4,659 |
| Net interest margin | 3.1575% | 4,800 |
| Noninterest income to average assets | 0.6688% | 2,365 |
| Noninterest expense to average assets | 2.8035% | 3,222 |
| Loan and lease loss provision to assets | 0.2071% | 942 |
| Net operating income to assets | 0.5610% | 4,516 |
| Return on assets (ROA) | 0.8303% | 3,328 |
| Pretax return on assets | 0.8655% | 4,081 |
| Return on Equity (ROE) | 5.8891% | 4,186 |
| Retained earnings to average equity (ytd only) | 3.2750% | 3,966 |
| Net charge-offs to loans | -0.4363% | 6,181 |
| Credit loss provision to net charge-offs | -113.6364% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9729% | 2,080 |
| Assets per employee ($millions) | 3.4892% | 4,820 |
| Cash dividends to net income (ytd only)* | 44.3890% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1510% | 233 |
| Loan loss allowance to noncurrent loans | 217.6560% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 3,259 |
| Noncurrent loans to loans | 1.4477% | 1,844 |
| Net loans and leases to total assets | 45.8068% | 5,262 |
| Net loans and leases to deposits | 53.4049% | 5,288 |
| Net loans and leases to core deposits | 60.7272% | 5,031 |
| Total domestic deposits to total assets | 85.7726% | 2,809 |
| Equity capital to assets | 14.0075% | 979 |
| Core capital (leverage) ratio | 13.8744% | 879 |
| Tier 1 risk-based capital ratio | 25.2255% | 841 |
| Total risk-based capital ratio | 26.4915% | 827 |
| Memoranda: | ||
| Average total assets | $193,185,670 | 3,061 |
| Average earning assets | $179,063,330 | 3,054 |
| Average equity | $27,236,670 | 2,544 |
| Average total loans | $80,679,000 | 3,857 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2785% | 5,496 |
| Cost of funding earning assets | 0.2712% | 4,771 |
| Net interest margin | 3.0073% | 5,197 |
| Noninterest income to average assets | 0.9287% | 1,307 |
| Noninterest expense to average assets | 2.6993% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0112% | 2,214 |
| Return on assets (ROA) | 1.0050% | 2,381 |
| Pretax return on assets | 1.0153% | 3,434 |
| Return on Equity (ROE) | 7.1057% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.1057% | 1,971 |
| Net charge-offs to loans | -2.0466% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5458% | 3,080 |
| Assets per employee ($millions) | 3.7864% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7710% | 147 |
| Loan loss allowance to noncurrent loans | 233.9038% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 3,458 |
| Noncurrent loans to loans | 1.6122% | 1,728 |
| Net loans and leases to total assets | 38.6846% | 5,680 |
| Net loans and leases to deposits | 45.4344% | 5,682 |
| Net loans and leases to core deposits | 51.3331% | 5,528 |
| Total domestic deposits to total assets | 85.1440% | 3,338 |
| Equity capital to assets | 14.7329% | 773 |
| Core capital (leverage) ratio | 13.9870% | 826 |
| Tier 1 risk-based capital ratio | 26.7955% | 730 |
| Total risk-based capital ratio | 28.0633% | 712 |
| Memoranda: | ||
| Average total assets | $193,826,500 | 3,073 |
| Average earning assets | $179,961,500 | 3,071 |
| Average equity | $27,414,500 | 2,543 |
| Average total loans | $75,636,000 | 4,035 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,572 |
| Cost of funding earning assets | 0.2815% | 4,989 |
| Net interest margin | 3.4922% | 3,826 |
| Noninterest income to average assets | 0.4461% | 3,863 |
| Noninterest expense to average assets | 2.6409% | 4,086 |
| Loan and lease loss provision to assets | 0.5917% | 238 |
| Net operating income to assets | 0.4311% | 5,107 |
| Return on assets (ROA) | 0.4471% | 5,125 |
| Pretax return on assets | 0.4461% | 5,394 |
| Return on Equity (ROE) | 3.3872% | 5,336 |
| Retained earnings to average equity (ytd only) | 1.3720% | 5,160 |
| Net charge-offs to loans | 0.8909% | 365 |
| Credit loss provision to net charge-offs | 159.9444% | 1,512 |
| Earnings coverage of net charge-offs (x) | 2.7622% | 4,073 |
| Efficiency ratio | 72.1028% | 3,191 |
| Assets per employee ($millions) | 3.8889% | 4,192 |
| Cash dividends to net income (ytd only)* | 59.4937% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3047% | 214 |
| Loan loss allowance to noncurrent loans | 803.8835% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 4,954 |
| Noncurrent loans to loans | 0.4111% | 4,408 |
| Net loans and leases to total assets | 36.6456% | 5,919 |
| Net loans and leases to deposits | 42.5622% | 5,946 |
| Net loans and leases to core deposits | 51.9087% | 5,619 |
| Total domestic deposits to total assets | 86.0988% | 2,781 |
| Equity capital to assets | 13.5816% | 1,121 |
| Core capital (leverage) ratio | 13.8951% | 843 |
| Tier 1 risk-based capital ratio | 28.8950% | 573 |
| Total risk-based capital ratio | 30.1617% | 556 |
| Memoranda: | ||
| Average total assets | $194,365,200 | 3,056 |
| Average earning assets | $179,028,800 | 3,057 |
| Average equity | $25,655,600 | 2,599 |
| Average total loans | $80,708,000 | 3,856 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 4,450 |
| Cost of funding earning assets | 0.2849% | 5,048 |
| Net interest margin | 3.5407% | 3,667 |
| Noninterest income to average assets | 0.4523% | 3,878 |
| Noninterest expense to average assets | 2.6118% | 4,159 |
| Loan and lease loss provision to assets | 0.7929% | 158 |
| Net operating income to assets | 0.3489% | 5,428 |
| Return on assets (ROA) | 0.3668% | 5,448 |
| Pretax return on assets | 0.3213% | 5,741 |
| Return on Equity (ROE) | 2.7997% | 5,620 |
| Retained earnings to average equity (ytd only) | 0.8946% | 5,527 |
| Net charge-offs to loans | 1.1694% | 238 |
| Credit loss provision to net charge-offs | 159.7222% | 1,512 |
| Earnings coverage of net charge-offs (x) | 2.2083% | 3,963 |
| Efficiency ratio | 70.4351% | 3,435 |
| Assets per employee ($millions) | 3.8161% | 4,260 |
| Cash dividends to net income (ytd only)* | 68.0440% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6115% | 562 |
| Loan loss allowance to noncurrent loans | 768.7307% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 5,159 |
| Noncurrent loans to loans | 0.3397% | 4,883 |
| Net loans and leases to total assets | 46.6637% | 5,323 |
| Net loans and leases to deposits | 53.8808% | 5,401 |
| Net loans and leases to core deposits | 65.9826% | 4,714 |
| Total domestic deposits to total assets | 86.6053% | 2,526 |
| Equity capital to assets | 13.1860% | 1,339 |
| Core capital (leverage) ratio | 13.9575% | 854 |
| Tier 1 risk-based capital ratio | 24.1260% | 975 |
| Total risk-based capital ratio | 25.3878% | 957 |
| Memoranda: | ||
| Average total assets | $193,372,750 | 3,086 |
| Average earning assets | $177,812,750 | 3,096 |
| Average equity | $25,335,250 | 2,636 |
| Average total loans | $82,093,750 | 3,843 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6456% | 5,022 |
| Cost of funding earning assets | 0.2872% | 5,107 |
| Net interest margin | 3.3584% | 4,359 |
| Noninterest income to average assets | 0.4716% | 3,700 |
| Noninterest expense to average assets | 2.6366% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7666% | 3,477 |
| Return on assets (ROA) | 0.7857% | 3,500 |
| Pretax return on assets | 0.9453% | 3,700 |
| Return on Equity (ROE) | 6.0100% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.1207% | 4,221 |
| Net charge-offs to loans | -1.1676% | 6,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0838% | 2,966 |
| Assets per employee ($millions) | 3.7398% | 4,372 |
| Cash dividends to net income (ytd only)* | 48.0744% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6395% | 582 |
| Loan loss allowance to noncurrent loans | 596.9048% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 5,031 |
| Noncurrent loans to loans | 0.4422% | 4,659 |
| Net loans and leases to total assets | 48.4837% | 5,132 |
| Net loans and leases to deposits | 56.4524% | 5,159 |
| Net loans and leases to core deposits | 63.0685% | 4,894 |
| Total domestic deposits to total assets | 85.8842% | 3,102 |
| Equity capital to assets | 13.6937% | 1,088 |
| Core capital (leverage) ratio | 13.9278% | 857 |
| Tier 1 risk-based capital ratio | 23.6832% | 1,023 |
| Total risk-based capital ratio | 24.9444% | 1,002 |
| Memoranda: | ||
| Average total assets | $191,684,670 | 3,129 |
| Average earning assets | $176,212,670 | 3,125 |
| Average equity | $25,058,330 | 2,656 |
| Average total loans | $77,764,670 | 3,979 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3603% | 5,728 |
| Cost of funding earning assets | 0.2829% | 5,244 |
| Net interest margin | 3.0774% | 5,318 |
| Noninterest income to average assets | 0.4767% | 3,587 |
| Noninterest expense to average assets | 2.5999% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6225% | 4,082 |
| Return on assets (ROA) | 0.6536% | 4,030 |
| Pretax return on assets | 0.7431% | 4,340 |
| Return on Equity (ROE) | 5.1206% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.1206% | 3,046 |
| Net charge-offs to loans | -2.7242% | 6,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6029% | 2,390 |
| Assets per employee ($millions) | 3.6981% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5794% | 251 |
| Loan loss allowance to noncurrent loans | 417.1901% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 4,894 |
| Noncurrent loans to loans | 0.8580% | 3,747 |
| Net loans and leases to total assets | 34.0473% | 6,179 |
| Net loans and leases to deposits | 39.0398% | 6,202 |
| Net loans and leases to core deposits | 46.3966% | 5,965 |
| Total domestic deposits to total assets | 87.2116% | 2,695 |
| Equity capital to assets | 12.5886% | 1,531 |
| Core capital (leverage) ratio | 13.7675% | 904 |
| Tier 1 risk-based capital ratio | 26.6149% | 737 |
| Total risk-based capital ratio | 27.7548% | 735 |
| Memoranda: | ||
| Average total assets | $192,162,000 | 3,135 |
| Average earning assets | $176,771,500 | 3,141 |
| Average equity | $24,528,500 | 2,693 |
| Average total loans | $69,157,000 | 4,296 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 4,402 |
| Cost of funding earning assets | 0.2880% | 5,687 |
| Net interest margin | 3.6277% | 3,341 |
| Noninterest income to average assets | 0.4592% | 4,025 |
| Noninterest expense to average assets | 2.6347% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9198% | 2,682 |
| Return on assets (ROA) | 0.9798% | 2,491 |
| Pretax return on assets | 1.2520% | 2,353 |
| Return on Equity (ROE) | 7.6124% | 3,242 |
| Retained earnings to average equity (ytd only) | 5.5137% | 2,271 |
| Net charge-offs to loans | 0.1245% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 23.2143% | 1,417 |
| Efficiency ratio | 69.1567% | 3,985 |
| Assets per employee ($millions) | 3.4835% | 4,930 |
| Cash dividends to net income (ytd only)* | 27.5698% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0281% | 453 |
| Loan loss allowance to noncurrent loans | 471.9540% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 5,182 |
| Noncurrent loans to loans | 0.6416% | 4,376 |
| Net loans and leases to total assets | 35.6100% | 6,221 |
| Net loans and leases to deposits | 41.0376% | 6,268 |
| Net loans and leases to core deposits | 46.0819% | 6,133 |
| Total domestic deposits to total assets | 86.7739% | 2,844 |
| Equity capital to assets | 12.9547% | 1,295 |
| Core capital (leverage) ratio | 13.9387% | 838 |
| Tier 1 risk-based capital ratio | 29.6444% | 516 |
| Total risk-based capital ratio | 30.9065% | 508 |
| Memoranda: | ||
| Average total assets | $193,608,800 | 3,102 |
| Average earning assets | $178,816,600 | 3,085 |
| Average equity | $24,919,800 | 2,635 |
| Average total loans | $78,702,800 | 3,982 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 4,477 |
| Cost of funding earning assets | 0.2877% | 5,832 |
| Net interest margin | 3.6190% | 3,365 |
| Noninterest income to average assets | 0.4513% | 4,145 |
| Noninterest expense to average assets | 2.6223% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9181% | 2,743 |
| Return on assets (ROA) | 0.9823% | 2,558 |
| Pretax return on assets | 1.2601% | 2,480 |
| Return on Equity (ROE) | 7.6437% | 3,312 |
| Retained earnings to average equity (ytd only) | 5.7262% | 2,579 |
| Net charge-offs to loans | 0.1261% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 22.4684% | 1,495 |
| Efficiency ratio | 69.0075% | 3,914 |
| Assets per employee ($millions) | 3.6392% | 4,580 |
| Cash dividends to net income (ytd only)* | 25.0864% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1198% | 1,466 |
| Loan loss allowance to noncurrent loans | 440.3397% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 5,233 |
| Noncurrent loans to loans | 0.4814% | 4,996 |
| Net loans and leases to total assets | 48.7312% | 5,273 |
| Net loans and leases to deposits | 59.7962% | 4,997 |
| Net loans and leases to core deposits | 70.5422% | 4,260 |
| Total domestic deposits to total assets | 81.4954% | 5,088 |
| Equity capital to assets | 12.2197% | 1,767 |
| Core capital (leverage) ratio | 13.5637% | 999 |
| Tier 1 risk-based capital ratio | 22.5593% | 1,215 |
| Total risk-based capital ratio | 23.8151% | 1,196 |
| Memoranda: | ||
| Average total assets | $195,854,000 | 3,099 |
| Average earning assets | $181,226,250 | 3,083 |
| Average equity | $25,170,250 | 2,640 |
| Average total loans | $81,428,750 | 3,928 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 5,239 |
| Cost of funding earning assets | 0.2886% | 5,914 |
| Net interest margin | 3.3810% | 4,260 |
| Noninterest income to average assets | 0.4253% | 4,338 |
| Noninterest expense to average assets | 2.5885% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7804% | 3,402 |
| Return on assets (ROA) | 0.8761% | 3,074 |
| Pretax return on assets | 1.0939% | 3,114 |
| Return on Equity (ROE) | 6.7069% | 3,769 |
| Retained earnings to average equity (ytd only) | 3.8739% | 3,833 |
| Net charge-offs to loans | 0.1159% | 3,203 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 21.6591% | 1,404 |
| Efficiency ratio | 72.6542% | 3,359 |
| Assets per employee ($millions) | 3.5442% | 4,770 |
| Cash dividends to net income (ytd only)* | 42.2404% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3811% | 1,117 |
| Loan loss allowance to noncurrent loans | 521.5347% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 5,399 |
| Noncurrent loans to loans | 0.4566% | 5,118 |
| Net loans and leases to total assets | 44.3144% | 5,711 |
| Net loans and leases to deposits | 50.8085% | 5,782 |
| Net loans and leases to core deposits | 59.3907% | 5,313 |
| Total domestic deposits to total assets | 87.2185% | 2,701 |
| Equity capital to assets | 12.3567% | 1,670 |
| Core capital (leverage) ratio | 13.6373% | 928 |
| Tier 1 risk-based capital ratio | 23.1185% | 1,115 |
| Total risk-based capital ratio | 24.3756% | 1,099 |
| Memoranda: | ||
| Average total assets | $195,632,330 | 3,126 |
| Average earning assets | $181,541,670 | 3,097 |
| Average equity | $25,555,670 | 2,621 |
| Average total loans | $75,958,330 | 4,106 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5182% | 5,662 |
| Cost of funding earning assets | 0.2919% | 6,031 |
| Net interest margin | 3.2263% | 4,819 |
| Noninterest income to average assets | 0.4592% | 4,058 |
| Noninterest expense to average assets | 2.4716% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8123% | 3,091 |
| Return on assets (ROA) | 0.8123% | 3,227 |
| Pretax return on assets | 0.9878% | 3,408 |
| Return on Equity (ROE) | 6.0555% | 4,018 |
| Retained earnings to average equity (ytd only) | 4.8231% | 3,342 |
| Net charge-offs to loans | 0.0344% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 463 |
| Efficiency ratio | 71.4454% | 3,726 |
| Assets per employee ($millions) | 3.7719% | 4,410 |
| Cash dividends to net income (ytd only)* | 20.3518% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0273% | 644 |
| Loan loss allowance to noncurrent loans | 507.0922% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 5,473 |
| Noncurrent loans to loans | 0.5970% | 4,944 |
| Net loans and leases to total assets | 35.0315% | 6,360 |
| Net loans and leases to deposits | 40.5692% | 6,392 |
| Net loans and leases to core deposits | 47.5594% | 6,119 |
| Total domestic deposits to total assets | 86.3499% | 3,330 |
| Equity capital to assets | 13.4370% | 1,233 |
| Core capital (leverage) ratio | 12.9606% | 1,129 |
| Tier 1 risk-based capital ratio | 25.8099% | 806 |
| Total risk-based capital ratio | 27.0704% | 795 |
| Memoranda: | ||
| Average total assets | $195,983,500 | 3,143 |
| Average earning assets | $182,250,500 | 3,113 |
| Average equity | $26,290,000 | 2,583 |
| Average total loans | $69,693,000 | 4,355 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 4,035 |
| Cost of funding earning assets | 0.3302% | 6,315 |
| Net interest margin | 4.0154% | 2,332 |
| Noninterest income to average assets | 0.5276% | 3,728 |
| Noninterest expense to average assets | 2.8160% | 3,964 |
| Loan and lease loss provision to assets | 0.3267% | 2,084 |
| Net operating income to assets | 0.8627% | 2,992 |
| Return on assets (ROA) | 0.9806% | 2,647 |
| Pretax return on assets | 1.2419% | 2,633 |
| Return on Equity (ROE) | 7.0449% | 3,619 |
| Retained earnings to average equity (ytd only) | 4.9991% | 2,702 |
| Net charge-offs to loans | 0.1525% | 4,170 |
| Credit loss provision to net charge-offs | 491.8033% | 495 |
| Earnings coverage of net charge-offs (x) | 21.3689% | 1,305 |
| Efficiency ratio | 66.4867% | 4,413 |
| Assets per employee ($millions) | 3.6265% | 4,718 |
| Cash dividends to net income (ytd only)* | 29.0394% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1387% | 582 |
| Loan loss allowance to noncurrent loans | 513.3652% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 5,564 |
| Noncurrent loans to loans | 0.6114% | 4,984 |
| Net loans and leases to total assets | 33.8969% | 6,551 |
| Net loans and leases to deposits | 39.2224% | 6,586 |
| Net loans and leases to core deposits | 44.4727% | 6,441 |
| Total domestic deposits to total assets | 86.4223% | 3,141 |
| Equity capital to assets | 13.3918% | 1,274 |
| Core capital (leverage) ratio | 13.4021% | 982 |
| Tier 1 risk-based capital ratio | 27.9231% | 634 |
| Total risk-based capital ratio | 29.1866% | 617 |
| Memoranda: | ||
| Average total assets | $183,667,800 | 3,265 |
| Average earning assets | $169,595,000 | 3,235 |
| Average equity | $25,564,600 | 2,607 |
| Average total loans | $79,995,000 | 4,039 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 4,222 |
| Cost of funding earning assets | 0.3387% | 6,425 |
| Net interest margin | 4.0179% | 2,433 |
| Noninterest income to average assets | 0.5322% | 3,730 |
| Noninterest expense to average assets | 2.7946% | 3,998 |
| Loan and lease loss provision to assets | 0.3322% | 1,972 |
| Net operating income to assets | 0.8683% | 3,140 |
| Return on assets (ROA) | 1.0260% | 2,602 |
| Pretax return on assets | 1.3117% | 2,549 |
| Return on Equity (ROE) | 7.2966% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.3963% | 3,100 |
| Net charge-offs to loans | 0.1625% | 3,819 |
| Credit loss provision to net charge-offs | 445.5446% | 601 |
| Earnings coverage of net charge-offs (x) | 19.3371% | 1,503 |
| Efficiency ratio | 65.9697% | 4,456 |
| Assets per employee ($millions) | 3.5452% | 4,858 |
| Cash dividends to net income (ytd only)* | 26.0429% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2896% | 1,542 |
| Loan loss allowance to noncurrent loans | 144.5318% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 4,431 |
| Noncurrent loans to loans | 1.5841% | 3,412 |
| Net loans and leases to total assets | 45.9244% | 5,771 |
| Net loans and leases to deposits | 53.4445% | 5,853 |
| Net loans and leases to core deposits | 61.8511% | 5,374 |
| Total domestic deposits to total assets | 85.9291% | 3,295 |
| Equity capital to assets | 13.8527% | 1,216 |
| Core capital (leverage) ratio | 13.7118% | 941 |
| Tier 1 risk-based capital ratio | 24.1477% | 1,002 |
| Total risk-based capital ratio | 25.4060% | 981 |
| Memoranda: | ||
| Average total assets | $180,627,500 | 3,341 |
| Average earning assets | $166,517,750 | 3,316 |
| Average equity | $25,399,500 | 2,647 |
| Average total loans | $82,861,000 | 3,994 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 5,058 |
| Cost of funding earning assets | 0.3425% | 6,544 |
| Net interest margin | 3.8268% | 3,235 |
| Noninterest income to average assets | 0.5533% | 3,562 |
| Noninterest expense to average assets | 2.7777% | 4,104 |
| Loan and lease loss provision to assets | 0.3367% | 1,959 |
| Net operating income to assets | 0.7753% | 3,488 |
| Return on assets (ROA) | 0.9562% | 2,885 |
| Pretax return on assets | 1.1863% | 2,989 |
| Return on Equity (ROE) | 6.7647% | 3,908 |
| Retained earnings to average equity (ytd only) | 3.8905% | 4,028 |
| Net charge-offs to loans | 0.1135% | 4,037 |
| Credit loss provision to net charge-offs | 652.1739% | 490 |
| Earnings coverage of net charge-offs (x) | 25.1739% | 1,204 |
| Efficiency ratio | 68.1255% | 4,096 |
| Assets per employee ($millions) | 3.4630% | 5,063 |
| Cash dividends to net income (ytd only)* | 42.4883% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 2,210 |
| Loan loss allowance to noncurrent loans | 121.3476% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 4,102 |
| Noncurrent loans to loans | 1.6530% | 3,422 |
| Net loans and leases to total assets | 52.2779% | 5,063 |
| Net loans and leases to deposits | 61.1834% | 5,103 |
| Net loans and leases to core deposits | 71.4863% | 4,358 |
| Total domestic deposits to total assets | 85.4446% | 3,643 |
| Equity capital to assets | 14.1561% | 1,029 |
| Core capital (leverage) ratio | 13.8914% | 834 |
| Tier 1 risk-based capital ratio | 21.7451% | 1,338 |
| Total risk-based capital ratio | 23.0058% | 1,316 |
| Memoranda: | ||
| Average total assets | $178,204,000 | 3,382 |
| Average earning assets | $164,106,330 | 3,362 |
| Average equity | $25,189,670 | 2,651 |
| Average total loans | $81,043,670 | 4,073 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 6,109 |
| Cost of funding earning assets | 0.3482% | 6,645 |
| Net interest margin | 3.5135% | 4,627 |
| Noninterest income to average assets | 0.6454% | 2,958 |
| Noninterest expense to average assets | 2.8229% | 3,935 |
| Loan and lease loss provision to assets | 0.3385% | 1,847 |
| Net operating income to assets | 0.5857% | 4,414 |
| Return on assets (ROA) | 0.9184% | 3,048 |
| Pretax return on assets | 1.1282% | 3,205 |
| Return on Equity (ROE) | 6.5020% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.2080% | 3,431 |
| Net charge-offs to loans | 0.0870% | 3,641 |
| Credit loss provision to net charge-offs | 937.5000% | 373 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 936 |
| Efficiency ratio | 72.7749% | 3,296 |
| Assets per employee ($millions) | 3.5130% | 5,094 |
| Cash dividends to net income (ytd only)* | 19.9017% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4463% | 1,434 |
| Loan loss allowance to noncurrent loans | 92.2880% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 3,816 |
| Noncurrent loans to loans | 2.6507% | 2,453 |
| Net loans and leases to total assets | 40.2199% | 6,334 |
| Net loans and leases to deposits | 46.9260% | 6,364 |
| Net loans and leases to core deposits | 53.7204% | 6,076 |
| Total domestic deposits to total assets | 85.7093% | 3,684 |
| Equity capital to assets | 14.0306% | 1,020 |
| Core capital (leverage) ratio | 13.8483% | 843 |
| Tier 1 risk-based capital ratio | 24.4032% | 961 |
| Total risk-based capital ratio | 25.6597% | 946 |
| Memoranda: | ||
| Average total assets | $177,267,000 | 3,418 |
| Average earning assets | $163,141,500 | 3,386 |
| Average equity | $25,038,500 | 2,660 |
| Average total loans | $73,531,500 | 4,330 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 4,416 |
| Cost of funding earning assets | 0.4721% | 6,647 |
| Net interest margin | 4.1888% | 2,100 |
| Noninterest income to average assets | 0.5625% | 3,410 |
| Noninterest expense to average assets | 2.8645% | 4,112 |
| Loan and lease loss provision to assets | 0.4255% | 2,463 |
| Net operating income to assets | 0.9253% | 2,504 |
| Return on assets (ROA) | 0.9371% | 2,580 |
| Pretax return on assets | 1.1787% | 2,534 |
| Return on Equity (ROE) | 6.9040% | 3,439 |
| Retained earnings to average equity (ytd only) | 4.7036% | 2,852 |
| Net charge-offs to loans | 0.4070% | 3,387 |
| Credit loss provision to net charge-offs | 212.8571% | 1,152 |
| Earnings coverage of net charge-offs (x) | 7.9514% | 2,234 |
| Efficiency ratio | 64.3159% | 5,068 |
| Assets per employee ($millions) | 3.3088% | 5,492 |
| Cash dividends to net income (ytd only)* | 31.8708% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 1,640 |
| Loan loss allowance to noncurrent loans | 122.0277% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1553% | 4,302 |
| Noncurrent loans to loans | 1.8731% | 3,380 |
| Net loans and leases to total assets | 40.7843% | 6,486 |
| Net loans and leases to deposits | 47.7039% | 6,518 |
| Net loans and leases to core deposits | 53.6444% | 6,325 |
| Total domestic deposits to total assets | 85.4946% | 3,598 |
| Equity capital to assets | 14.2209% | 995 |
| Core capital (leverage) ratio | 13.9175% | 845 |
| Tier 1 risk-based capital ratio | 25.9945% | 780 |
| Total risk-based capital ratio | 27.2509% | 769 |
| Memoranda: | ||
| Average total assets | $175,108,400 | 3,411 |
| Average earning assets | $162,670,600 | 3,352 |
| Average equity | $23,768,800 | 2,693 |
| Average total loans | $85,993,600 | 3,966 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 4,463 |
| Cost of funding earning assets | 0.5054% | 6,675 |
| Net interest margin | 4.1956% | 2,117 |
| Noninterest income to average assets | 0.5797% | 3,302 |
| Noninterest expense to average assets | 2.8343% | 4,217 |
| Loan and lease loss provision to assets | 0.4227% | 2,357 |
| Net operating income to assets | 0.9678% | 2,446 |
| Return on assets (ROA) | 0.9811% | 2,547 |
| Pretax return on assets | 1.2469% | 2,463 |
| Return on Equity (ROE) | 7.3150% | 3,373 |
| Retained earnings to average equity (ytd only) | 4.8047% | 3,308 |
| Net charge-offs to loans | 0.5202% | 2,671 |
| Credit loss provision to net charge-offs | 159.4828% | 1,937 |
| Earnings coverage of net charge-offs (x) | 6.2356% | 2,591 |
| Efficiency ratio | 63.1641% | 5,203 |
| Assets per employee ($millions) | 3.3616% | 5,338 |
| Cash dividends to net income (ytd only)* | 34.3169% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,537 |
| Loan loss allowance to noncurrent loans | 73.8072% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 3,804 |
| Noncurrent loans to loans | 1.9039% | 3,496 |
| Net loans and leases to total assets | 58.4818% | 4,417 |
| Net loans and leases to deposits | 71.3211% | 4,093 |
| Net loans and leases to core deposits | 80.3729% | 3,583 |
| Total domestic deposits to total assets | 81.9979% | 5,089 |
| Equity capital to assets | 13.8755% | 1,210 |
| Core capital (leverage) ratio | 13.6125% | 1,012 |
| Tier 1 risk-based capital ratio | 19.8100% | 1,730 |
| Total risk-based capital ratio | 21.0355% | 1,711 |
| Memoranda: | ||
| Average total assets | $175,043,250 | 3,429 |
| Average earning assets | $163,024,000 | 3,368 |
| Average equity | $23,476,250 | 2,729 |
| Average total loans | $89,193,000 | 3,923 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 5,506 |
| Cost of funding earning assets | 0.5527% | 6,652 |
| Net interest margin | 3.9022% | 3,299 |
| Noninterest income to average assets | 0.5621% | 3,387 |
| Noninterest expense to average assets | 2.7919% | 4,458 |
| Loan and lease loss provision to assets | 0.2759% | 3,173 |
| Net operating income to assets | 0.9205% | 2,556 |
| Return on assets (ROA) | 0.9345% | 2,601 |
| Pretax return on assets | 1.1471% | 2,676 |
| Return on Equity (ROE) | 7.0508% | 3,428 |
| Retained earnings to average equity (ytd only) | 3.9113% | 3,703 |
| Net charge-offs to loans | 0.3465% | 3,163 |
| Credit loss provision to net charge-offs | 165.5172% | 1,835 |
| Earnings coverage of net charge-offs (x) | 8.4345% | 2,058 |
| Efficiency ratio | 66.5115% | 4,771 |
| Assets per employee ($millions) | 3.2784% | 5,466 |
| Cash dividends to net income (ytd only)* | 44.5264% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 4,295 |
| Loan loss allowance to noncurrent loans | 40.7056% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 1.9053% | 3,366 |
| Noncurrent loans to loans | 3.5855% | 1,969 |
| Net loans and leases to total assets | 52.3637% | 5,522 |
| Net loans and leases to deposits | 60.7988% | 5,638 |
| Net loans and leases to core deposits | 70.4332% | 5,021 |
| Total domestic deposits to total assets | 86.1262% | 3,257 |
| Equity capital to assets | 13.4434% | 1,324 |
| Core capital (leverage) ratio | 13.5826% | 972 |
| Tier 1 risk-based capital ratio | 19.9215% | 1,623 |
| Total risk-based capital ratio | 21.0805% | 1,615 |
| Memoranda: | ||
| Average total assets | $174,003,330 | 3,467 |
| Average earning assets | $162,113,670 | 3,402 |
| Average equity | $23,061,330 | 2,753 |
| Average total loans | $83,698,000 | 4,103 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 6,319 |
| Cost of funding earning assets | 0.6117% | 6,558 |
| Net interest margin | 3.5708% | 4,717 |
| Noninterest income to average assets | 0.6076% | 3,108 |
| Noninterest expense to average assets | 2.7967% | 4,456 |
| Loan and lease loss provision to assets | 0.2783% | 2,928 |
| Net operating income to assets | 0.7702% | 3,169 |
| Return on assets (ROA) | 0.7722% | 3,231 |
| Pretax return on assets | 0.8650% | 3,645 |
| Return on Equity (ROE) | 5.8698% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.8698% | 2,714 |
| Net charge-offs to loans | 0.7235% | 1,769 |
| Credit loss provision to net charge-offs | 84.5070% | 3,053 |
| Earnings coverage of net charge-offs (x) | 3.4648% | 2,733 |
| Efficiency ratio | 71.0247% | 4,050 |
| Assets per employee ($millions) | 3.2259% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 3,881 |
| Loan loss allowance to noncurrent loans | 56.1215% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 4,379 |
| Noncurrent loans to loans | 2.7939% | 2,706 |
| Net loans and leases to total assets | 45.2632% | 6,356 |
| Net loans and leases to deposits | 52.1868% | 6,461 |
| Net loans and leases to core deposits | 62.2203% | 5,906 |
| Total domestic deposits to total assets | 86.7330% | 3,101 |
| Equity capital to assets | 13.1981% | 1,300 |
| Core capital (leverage) ratio | 13.9444% | 864 |
| Tier 1 risk-based capital ratio | 22.5752% | 1,130 |
| Total risk-based capital ratio | 23.7833% | 1,121 |
| Memoranda: | ||
| Average total assets | $172,489,500 | 3,512 |
| Average earning assets | $160,861,000 | 3,444 |
| Average equity | $22,692,500 | 2,781 |
| Average total loans | $78,510,500 | 4,307 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 5,555 |
| Cost of funding earning assets | 0.9779% | 5,794 |
| Net interest margin | 3.7881% | 3,994 |
| Noninterest income to average assets | 0.8878% | 1,892 |
| Noninterest expense to average assets | 3.0199% | 3,772 |
| Loan and lease loss provision to assets | 0.4363% | 3,503 |
| Net operating income to assets | 0.7495% | 2,998 |
| Return on assets (ROA) | 0.9899% | 2,180 |
| Pretax return on assets | 1.1182% | 2,511 |
| Return on Equity (ROE) | 7.6157% | 2,842 |
| Retained earnings to average equity (ytd only) | 6.1661% | 1,735 |
| Net charge-offs to loans | 0.3707% | 4,179 |
| Credit loss provision to net charge-offs | 246.0526% | 1,169 |
| Earnings coverage of net charge-offs (x) | 7.2434% | 2,169 |
| Efficiency ratio | 70.1586% | 4,144 |
| Assets per employee ($millions) | 3.1051% | 5,871 |
| Cash dividends to net income (ytd only)* | 19.0336% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6615% | 3,350 |
| Loan loss allowance to noncurrent loans | 68.5622% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 4,816 |
| Noncurrent loans to loans | 2.4234% | 3,094 |
| Net loans and leases to total assets | 44.2903% | 6,689 |
| Net loans and leases to deposits | 51.0812% | 6,802 |
| Net loans and leases to core deposits | 61.0632% | 6,310 |
| Total domestic deposits to total assets | 86.7057% | 2,978 |
| Equity capital to assets | 13.1128% | 1,342 |
| Core capital (leverage) ratio | 13.4159% | 999 |
| Tier 1 risk-based capital ratio | 23.1753% | 1,015 |
| Total risk-based capital ratio | 24.4258% | 994 |
| Memoranda: | ||
| Average total assets | $171,429,800 | 3,509 |
| Average earning assets | $154,613,800 | 3,562 |
| Average equity | $22,283,000 | 2,849 |
| Average total loans | $82,006,600 | 4,282 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 5,643 |
| Cost of funding earning assets | 1.0195% | 5,848 |
| Net interest margin | 3.7844% | 4,038 |
| Noninterest income to average assets | 0.9658% | 1,564 |
| Noninterest expense to average assets | 3.0513% | 3,566 |
| Loan and lease loss provision to assets | 0.4802% | 3,072 |
| Net operating income to assets | 0.7272% | 3,289 |
| Return on assets (ROA) | 1.0404% | 2,205 |
| Pretax return on assets | 1.1725% | 2,591 |
| Return on Equity (ROE) | 8.0219% | 2,890 |
| Retained earnings to average equity (ytd only) | 7.0513% | 1,816 |
| Net charge-offs to loans | 0.4947% | 3,298 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 5.4175% | 2,749 |
| Efficiency ratio | 70.1125% | 4,042 |
| Assets per employee ($millions) | 2.7403% | 6,706 |
| Cash dividends to net income (ytd only)* | 12.0983% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,667 |
| Loan loss allowance to noncurrent loans | 60.6045% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 4,644 |
| Noncurrent loans to loans | 1.9134% | 3,787 |
| Net loans and leases to total assets | 56.4343% | 5,490 |
| Net loans and leases to deposits | 65.3695% | 5,738 |
| Net loans and leases to core deposits | 80.9240% | 4,394 |
| Total domestic deposits to total assets | 86.3314% | 2,895 |
| Equity capital to assets | 13.5030% | 1,349 |
| Core capital (leverage) ratio | 13.7497% | 981 |
| Tier 1 risk-based capital ratio | 18.4390% | 1,884 |
| Total risk-based capital ratio | 19.3585% | 1,953 |
| Memoranda: | ||
| Average total assets | $171,592,250 | 3,545 |
| Average earning assets | $153,537,250 | 3,632 |
| Average equity | $22,255,250 | 2,894 |
| Average total loans | $83,279,000 | 4,313 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 6,631 |
| Cost of funding earning assets | 1.0468% | 5,928 |
| Net interest margin | 3.4846% | 5,304 |
| Noninterest income to average assets | 0.8467% | 1,898 |
| Noninterest expense to average assets | 3.0821% | 3,385 |
| Loan and lease loss provision to assets | 0.2604% | 4,324 |
| Net operating income to assets | 0.5006% | 4,332 |
| Return on assets (ROA) | 0.8818% | 2,742 |
| Pretax return on assets | 1.0395% | 2,981 |
| Return on Equity (ROE) | 6.8939% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.4147% | 2,668 |
| Net charge-offs to loans | -0.0051% | 7,114 |
| Credit loss provision to net charge-offs | -11,150.0000% | 7,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3551% | 2,666 |
| Assets per employee ($millions) | 3.1219% | 5,859 |
| Cash dividends to net income (ytd only)* | 21.4570% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 5,681 |
| Loan loss allowance to noncurrent loans | 52.9765% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.3348% | 4,485 |
| Noncurrent loans to loans | 2.1743% | 3,506 |
| Net loans and leases to total assets | 52.9259% | 6,112 |
| Net loans and leases to deposits | 61.0601% | 6,300 |
| Net loans and leases to core deposits | 75.2486% | 5,290 |
| Total domestic deposits to total assets | 86.6784% | 2,715 |
| Equity capital to assets | 13.0042% | 1,567 |
| Core capital (leverage) ratio | 13.4529% | 1,073 |
| Tier 1 risk-based capital ratio | 18.9902% | 1,722 |
| Total risk-based capital ratio | 19.8910% | 1,770 |
| Memoranda: | ||
| Average total assets | $171,244,330 | 3,583 |
| Average earning assets | $151,697,670 | 3,679 |
| Average equity | $21,903,330 | 2,929 |
| Average total loans | $78,182,330 | 4,500 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 6,656 |
| Cost of funding earning assets | 1.0801% | 5,990 |
| Net interest margin | 3.4780% | 5,250 |
| Noninterest income to average assets | 0.7181% | 2,482 |
| Noninterest expense to average assets | 3.1062% | 3,239 |
| Loan and lease loss provision to assets | 0.1707% | 4,824 |
| Net operating income to assets | 0.4434% | 4,645 |
| Return on assets (ROA) | 0.6385% | 3,839 |
| Pretax return on assets | 0.6549% | 4,391 |
| Return on Equity (ROE) | 5.0345% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.0345% | 3,139 |
| Net charge-offs to loans | -0.0337% | 7,230 |
| Credit loss provision to net charge-offs | -1,216.6667% | 6,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2602% | 2,110 |
| Assets per employee ($millions) | 2.8376% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 5,025 |
| Loan loss allowance to noncurrent loans | 139.7554% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 6,113 |
| Noncurrent loans to loans | 0.9191% | 5,479 |
| Net loans and leases to total assets | 40.5804% | 7,213 |
| Net loans and leases to deposits | 46.5348% | 7,309 |
| Net loans and leases to core deposits | 56.7554% | 6,951 |
| Total domestic deposits to total assets | 87.2044% | 2,527 |
| Equity capital to assets | 12.6806% | 1,666 |
| Core capital (leverage) ratio | 13.2274% | 1,149 |
| Tier 1 risk-based capital ratio | 23.0658% | 1,063 |
| Total risk-based capital ratio | 24.0242% | 1,083 |
| Memoranda: | ||
| Average total assets | $171,013,500 | 3,641 |
| Average earning assets | $148,131,000 | 3,794 |
| Average equity | $21,690,500 | 2,980 |
| Average total loans | $71,305,500 | 4,810 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4477% | 4,447 |
| Cost of funding earning assets | 1.1838% | 6,714 |
| Net interest margin | 4.2640% | 1,843 |
| Noninterest income to average assets | 0.6415% | 3,348 |
| Noninterest expense to average assets | 3.3788% | 2,747 |
| Loan and lease loss provision to assets | 0.5255% | 3,743 |
| Net operating income to assets | 0.5661% | 3,464 |
| Return on assets (ROA) | 0.8690% | 2,346 |
| Pretax return on assets | 1.0055% | 2,572 |
| Return on Equity (ROE) | 6.6344% | 2,938 |
| Retained earnings to average equity (ytd only) | 5.0971% | 1,771 |
| Net charge-offs to loans | 0.9168% | 2,554 |
| Credit loss provision to net charge-offs | 118.7324% | 4,530 |
| Earnings coverage of net charge-offs (x) | 2.6634% | 3,781 |
| Efficiency ratio | 74.1349% | 3,869 |
| Assets per employee ($millions) | 2.7694% | 6,717 |
| Cash dividends to net income (ytd only)* | 23.1707% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 5,549 |
| Loan loss allowance to noncurrent loans | 124.6637% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 5,236 |
| Noncurrent loans to loans | 0.9362% | 5,441 |
| Net loans and leases to total assets | 41.8040% | 7,257 |
| Net loans and leases to deposits | 47.9867% | 7,359 |
| Net loans and leases to core deposits | 67.8099% | 6,889 |
| Total domestic deposits to total assets | 87.1158% | 2,429 |
| Equity capital to assets | 12.6865% | 1,653 |
| Core capital (leverage) ratio | 13.7942% | 1,019 |
| Tier 1 risk-based capital ratio | 21.9320% | 1,164 |
| Total risk-based capital ratio | 22.7744% | 1,184 |
| Memoranda: | ||
| Average total assets | $160,412,200 | 3,766 |
| Average earning assets | $147,328,000 | 3,758 |
| Average equity | $21,011,800 | 3,070 |
| Average total loans | $77,442,600 | 4,605 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 3,990 |
| Cost of funding earning assets | 1.2200% | 6,837 |
| Net interest margin | 4.3574% | 1,570 |
| Noninterest income to average assets | 0.7261% | 2,845 |
| Noninterest expense to average assets | 3.5118% | 2,252 |
| Loan and lease loss provision to assets | 0.5644% | 3,132 |
| Net operating income to assets | 0.5756% | 3,705 |
| Return on assets (ROA) | 0.8929% | 2,522 |
| Pretax return on assets | 1.0150% | 2,859 |
| Return on Equity (ROE) | 6.7600% | 3,178 |
| Retained earnings to average equity (ytd only) | 5.7269% | 2,089 |
| Net charge-offs to loans | 0.8766% | 2,212 |
| Credit loss provision to net charge-offs | 129.0944% | 3,883 |
| Earnings coverage of net charge-offs (x) | 2.7881% | 3,826 |
| Efficiency ratio | 74.2343% | 3,828 |
| Assets per employee ($millions) | 2.6780% | 6,897 |
| Cash dividends to net income (ytd only)* | 15.2827% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 6,823 |
| Loan loss allowance to noncurrent loans | 48.3834% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 2.0601% | 3,264 |
| Noncurrent loans to loans | 1.8293% | 3,873 |
| Net loans and leases to total assets | 60.4577% | 5,511 |
| Net loans and leases to deposits | 72.7444% | 5,542 |
| Net loans and leases to core deposits | 104.4263% | 3,885 |
| Total domestic deposits to total assets | 83.1098% | 4,172 |
| Equity capital to assets | 13.6023% | 1,453 |
| Core capital (leverage) ratio | 14.0292% | 1,081 |
| Tier 1 risk-based capital ratio | 17.9153% | 2,012 |
| Total risk-based capital ratio | 18.6250% | 2,109 |
| Memoranda: | ||
| Average total assets | $158,281,250 | 3,821 |
| Average earning assets | $145,466,250 | 3,810 |
| Average equity | $20,906,750 | 3,110 |
| Average total loans | $78,939,250 | 4,591 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 5,135 |
| Cost of funding earning assets | 1.2475% | 6,967 |
| Net interest margin | 4.1561% | 2,140 |
| Noninterest income to average assets | 0.7198% | 2,868 |
| Noninterest expense to average assets | 3.5675% | 2,149 |
| Loan and lease loss provision to assets | 0.6062% | 2,625 |
| Net operating income to assets | 0.3382% | 4,726 |
| Return on assets (ROA) | 0.8246% | 2,856 |
| Pretax return on assets | 0.9193% | 3,278 |
| Return on Equity (ROE) | 6.3056% | 3,519 |
| Retained earnings to average equity (ytd only) | 4.7413% | 2,665 |
| Net charge-offs to loans | 0.2325% | 4,043 |
| Credit loss provision to net charge-offs | 564.7059% | 826 |
| Earnings coverage of net charge-offs (x) | 9.1765% | 2,163 |
| Efficiency ratio | 78.3634% | 3,293 |
| Assets per employee ($millions) | 2.6614% | 6,923 |
| Cash dividends to net income (ytd only)* | 24.8086% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 4,439 |
| Loan loss allowance to noncurrent loans | 63.4259% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.1780% | 2,963 |
| Noncurrent loans to loans | 2.0077% | 3,510 |
| Net loans and leases to total assets | 53.2126% | 6,547 |
| Net loans and leases to deposits | 61.2233% | 6,799 |
| Net loans and leases to core deposits | 87.0759% | 5,801 |
| Total domestic deposits to total assets | 86.9156% | 2,298 |
| Equity capital to assets | 12.8064% | 1,786 |
| Core capital (leverage) ratio | 13.5323% | 1,261 |
| Tier 1 risk-based capital ratio | 18.7328% | 1,832 |
| Total risk-based capital ratio | 19.7051% | 1,838 |
| Memoranda: | ||
| Average total assets | $158,374,000 | 3,859 |
| Average earning assets | $146,049,670 | 3,820 |
| Average equity | $20,711,670 | 3,141 |
| Average total loans | $73,126,330 | 4,834 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 6,885 |
| Cost of funding earning assets | 1.2999% | 7,010 |
| Net interest margin | 3.7182% | 3,815 |
| Noninterest income to average assets | 0.9790% | 1,548 |
| Noninterest expense to average assets | 3.5177% | 2,053 |
| Loan and lease loss provision to assets | 0.3551% | 3,189 |
| Net operating income to assets | 0.4804% | 4,516 |
| Return on assets (ROA) | 0.7634% | 3,462 |
| Pretax return on assets | 0.8522% | 3,880 |
| Return on Equity (ROE) | 5.7767% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.7767% | 2,740 |
| Net charge-offs to loans | 0.3781% | 2,582 |
| Credit loss provision to net charge-offs | 222.2222% | 2,037 |
| Earnings coverage of net charge-offs (x) | 5.5873% | 2,648 |
| Efficiency ratio | 79.7585% | 2,854 |
| Assets per employee ($millions) | 2.6464% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 4,946 |
| Loan loss allowance to noncurrent loans | 30.3196% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 2.7692% | 2,045 |
| Noncurrent loans to loans | 3.8848% | 1,573 |
| Net loans and leases to total assets | 41.1092% | 7,518 |
| Net loans and leases to deposits | 47.4917% | 7,598 |
| Net loans and leases to core deposits | 67.0674% | 7,192 |
| Total domestic deposits to total assets | 86.5608% | 2,419 |
| Equity capital to assets | 13.2924% | 1,621 |
| Core capital (leverage) ratio | 13.5210% | 1,317 |
| Tier 1 risk-based capital ratio | 22.7179% | 1,222 |
| Total risk-based capital ratio | 23.5630% | 1,230 |
| Memoranda: | ||
| Average total assets | $157,718,000 | 3,869 |
| Average earning assets | $145,554,500 | 3,836 |
| Average equity | $20,842,500 | 3,132 |
| Average total loans | $66,655,000 | 5,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2302% | 4,352 |
| Cost of funding earning assets | 1.9074% | 6,711 |
| Net interest margin | 4.3228% | 1,908 |
| Noninterest income to average assets | 0.8445% | 2,267 |
| Noninterest expense to average assets | 3.5688% | 2,222 |
| Loan and lease loss provision to assets | 0.2154% | 4,736 |
| Net operating income to assets | 0.8548% | 3,206 |
| Return on assets (ROA) | 0.9141% | 2,791 |
| Pretax return on assets | 1.0606% | 3,178 |
| Return on Equity (ROE) | 6.8940% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.2793% | 1,872 |
| Net charge-offs to loans | 0.4875% | 2,408 |
| Credit loss provision to net charge-offs | 89.7790% | 5,687 |
| Earnings coverage of net charge-offs (x) | 5.0304% | 3,776 |
| Efficiency ratio | 74.7259% | 3,456 |
| Assets per employee ($millions) | 2.6109% | 6,985 |
| Cash dividends to net income (ytd only)* | 23.4228% | 4,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 5,697 |
| Loan loss allowance to noncurrent loans | 42.1527% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 3,356 |
| Noncurrent loans to loans | 2.4726% | 2,213 |
| Net loans and leases to total assets | 42.4866% | 7,558 |
| Net loans and leases to deposits | 48.9966% | 7,671 |
| Net loans and leases to core deposits | 69.4619% | 7,224 |
| Total domestic deposits to total assets | 86.7134% | 2,086 |
| Equity capital to assets | 13.1366% | 1,735 |
| Core capital (leverage) ratio | 13.8050% | 1,310 |
| Tier 1 risk-based capital ratio | 22.5656% | 1,243 |
| Total risk-based capital ratio | 23.3333% | 1,271 |
| Memoranda: | ||
| Average total assets | $150,861,400 | 3,883 |
| Average earning assets | $137,201,800 | 3,909 |
| Average equity | $20,002,800 | 3,226 |
| Average total loans | $74,250,200 | 4,728 |