Home > The Luzerne Bank > Performance and Condition Ratios
The Luzerne 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 | 4.8844% | 2,313 |
| Cost of funding earning assets | 1.3532% | 2,350 |
| Net interest margin | 3.5312% | 2,117 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.0181% | 3,590 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1686% | 1,729 |
| Return on assets (ROA) | 1.1687% | 1,698 |
| Pretax return on assets | 1.4590% | 1,511 |
| Return on Equity (ROE) | 11.7500% | 2,024 |
| Retained earnings to average equity (ytd only) | 8.9009% | 1,280 |
| Net charge-offs to loans | 0.0698% | 1,153 |
| Credit loss provision to net charge-offs | 27.9883% | 2,283 |
| Earnings coverage of net charge-offs (x) | 25.6589% | 1,729 |
| Efficiency ratio | 57.8444% | 3,308 |
| Assets per employee ($millions) | 9.7708% | 757 |
| Cash dividends to net income (ytd only)* | 24.2658% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3612% | 4,404 |
| Loan loss allowance to noncurrent loans | 229.3124% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 2,679 |
| Noncurrent loans to loans | 0.1575% | 2,732 |
| Net loans and leases to total assets | 81.3100% | 499 |
| Net loans and leases to deposits | 107.2937% | 255 |
| Net loans and leases to core deposits | 109.1601% | 988 |
| Total domestic deposits to total assets | 75.7900% | 3,961 |
| Equity capital to assets | 10.0660% | 1,968 |
| Core capital (leverage) ratio | 8.3156% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6858% | 2,857 |
| Memoranda: | ||
| Average total assets | $600,157,400 | 1,480 |
| Average earning assets | $543,832,200 | 1,511 |
| Average equity | $59,679,200 | 1,400 |
| Average total loans | $491,272,800 | 1,249 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 2,619 |
| Cost of funding earning assets | 1.1406% | 2,621 |
| Net interest margin | 3.4860% | 2,243 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.0668% | 3,432 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0225% | 2,294 |
| Return on assets (ROA) | 1.0198% | 2,290 |
| Pretax return on assets | 1.2713% | 2,121 |
| Return on Equity (ROE) | 10.2900% | 2,560 |
| Retained earnings to average equity (ytd only) | 6.4026% | 2,495 |
| Net charge-offs to loans | 0.0539% | 1,135 |
| Credit loss provision to net charge-offs | 248.7179% | 990 |
| Earnings coverage of net charge-offs (x) | 31.1282% | 1,575 |
| Efficiency ratio | 59.9671% | 2,969 |
| Assets per employee ($millions) | 9.3445% | 822 |
| Cash dividends to net income (ytd only)* | 37.7802% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4733% | 4,366 |
| Loan loss allowance to noncurrent loans | 162.3169% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 2,093 |
| Noncurrent loans to loans | 0.2916% | 2,188 |
| Net loans and leases to total assets | 79.5100% | 703 |
| Net loans and leases to deposits | 102.3171% | 419 |
| Net loans and leases to core deposits | 104.0814% | 1,118 |
| Total domestic deposits to total assets | 77.7100% | 3,853 |
| Equity capital to assets | 9.2906% | 2,232 |
| Core capital (leverage) ratio | 8.0402% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2037% | 2,900 |
| Memoranda: | ||
| Average total assets | $588,978,750 | 1,508 |
| Average earning assets | $533,017,250 | 1,544 |
| Average equity | $58,370,750 | 1,412 |
| Average total loans | $482,523,750 | 1,266 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 2,568 |
| Cost of funding earning assets | 0.9632% | 2,728 |
| Net interest margin | 3.5693% | 2,101 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.1491% | 3,218 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0516% | 2,258 |
| Return on assets (ROA) | 1.0586% | 2,236 |
| Pretax return on assets | 1.3205% | 2,019 |
| Return on Equity (ROE) | 10.4400% | 2,576 |
| Retained earnings to average equity (ytd only) | 6.2807% | 2,519 |
| Net charge-offs to loans | 0.0403% | 1,117 |
| Credit loss provision to net charge-offs | 205.2632% | 1,039 |
| Earnings coverage of net charge-offs (x) | 40.7684% | 1,389 |
| Efficiency ratio | 61.1278% | 2,827 |
| Assets per employee ($millions) | 8.7412% | 988 |
| Cash dividends to net income (ytd only)* | 39.8145% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4559% | 4,411 |
| Loan loss allowance to noncurrent loans | 141.5617% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 1,871 |
| Noncurrent loans to loans | 0.3221% | 1,986 |
| Net loans and leases to total assets | 82.5700% | 369 |
| Net loans and leases to deposits | 105.5040% | 324 |
| Net loans and leases to core deposits | 107.2431% | 940 |
| Total domestic deposits to total assets | 78.2600% | 3,815 |
| Equity capital to assets | 9.9379% | 1,893 |
| Core capital (leverage) ratio | 8.2145% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3028% | 2,920 |
| Memoranda: | ||
| Average total assets | $570,381,667 | 1,554 |
| Average earning assets | $513,935,000 | 1,587 |
| Average equity | $57,860,000 | 1,425 |
| Average total loans | $471,674,333 | 1,272 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 2,582 |
| Cost of funding earning assets | 0.7341% | 2,947 |
| Net interest margin | 3.6540% | 2,007 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.0846% | 3,416 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.2205% | 1,882 |
| Return on assets (ROA) | 1.2142% | 1,855 |
| Pretax return on assets | 1.5165% | 1,636 |
| Return on Equity (ROE) | 11.8400% | 2,259 |
| Retained earnings to average equity (ytd only) | 8.3347% | 2,135 |
| Net charge-offs to loans | 0.0338% | 1,045 |
| Credit loss provision to net charge-offs | 17.9487% | 1,378 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 1,085 |
| Efficiency ratio | 58.2881% | 3,167 |
| Assets per employee ($millions) | 8.4636% | 1,141 |
| Cash dividends to net income (ytd only)* | 29.6165% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4515% | 4,473 |
| Loan loss allowance to noncurrent loans | 122.1004% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 1,637 |
| Noncurrent loans to loans | 0.3698% | 1,823 |
| Net loans and leases to total assets | 82.2700% | 344 |
| Net loans and leases to deposits | 103.4131% | 317 |
| Net loans and leases to core deposits | 105.3827% | 861 |
| Total domestic deposits to total assets | 79.5500% | 3,824 |
| Equity capital to assets | 10.3695% | 1,631 |
| Core capital (leverage) ratio | 8.4904% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5829% | 2,991 |
| Memoranda: | ||
| Average total assets | $558,373,000 | 1,603 |
| Average earning assets | $503,454,000 | 1,639 |
| Average equity | $57,254,500 | 1,449 |
| Average total loans | $460,982,500 | 1,315 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 2,838 |
| Cost of funding earning assets | 0.1756% | 3,948 |
| Net interest margin | 3.4106% | 2,225 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.0055% | 3,566 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0465% | 2,391 |
| Return on assets (ROA) | 1.0286% | 2,404 |
| Pretax return on assets | 1.2816% | 2,154 |
| Return on Equity (ROE) | 10.2900% | 2,721 |
| Retained earnings to average equity (ytd only) | 1.8170% | 4,019 |
| Net charge-offs to loans | 0.0872% | 798 |
| Credit loss provision to net charge-offs | 191.3408% | 1,155 |
| Earnings coverage of net charge-offs (x) | 22.3575% | 1,841 |
| Efficiency ratio | 58.1724% | 3,315 |
| Assets per employee ($millions) | 8.5889% | 1,054 |
| Cash dividends to net income (ytd only)* | 82.3489% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 3,691 |
| Loan loss allowance to noncurrent loans | 247.7205% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 1,625 |
| Noncurrent loans to loans | 0.3726% | 1,807 |
| Net loans and leases to total assets | 81.7100% | 439 |
| Net loans and leases to deposits | 100.1431% | 432 |
| Net loans and leases to core deposits | 102.7930% | 859 |
| Total domestic deposits to total assets | 81.5900% | 3,679 |
| Equity capital to assets | 10.1345% | 1,644 |
| Core capital (leverage) ratio | 8.2600% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8303% | 2,990 |
| Memoranda: | ||
| Average total assets | $561,254,400 | 1,582 |
| Average earning assets | $511,938,200 | 1,600 |
| Average equity | $56,080,600 | 1,480 |
| Average total loans | $410,515,800 | 1,365 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 2,882 |
| Cost of funding earning assets | 0.1489% | 3,851 |
| Net interest margin | 3.2640% | 2,404 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.0001% | 3,487 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.9801% | 2,542 |
| Return on assets (ROA) | 0.9574% | 2,604 |
| Pretax return on assets | 1.1923% | 2,399 |
| Return on Equity (ROE) | 9.6200% | 2,841 |
| Retained earnings to average equity (ytd only) | 2.4827% | 3,919 |
| Net charge-offs to loans | 0.0877% | 694 |
| Credit loss provision to net charge-offs | 155.8935% | 1,108 |
| Earnings coverage of net charge-offs (x) | 21.1977% | 1,693 |
| Efficiency ratio | 59.9801% | 3,116 |
| Assets per employee ($millions) | 8.8377% | 956 |
| Cash dividends to net income (ytd only)* | 74.1792% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,728 |
| Loan loss allowance to noncurrent loans | 217.7814% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 1,600 |
| Noncurrent loans to loans | 0.4325% | 1,730 |
| Net loans and leases to total assets | 76.8600% | 823 |
| Net loans and leases to deposits | 89.5721% | 919 |
| Net loans and leases to core deposits | 93.1757% | 1,138 |
| Total domestic deposits to total assets | 85.8100% | 3,107 |
| Equity capital to assets | 10.1252% | 1,554 |
| Core capital (leverage) ratio | 7.9725% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3668% | 2,974 |
| Memoranda: | ||
| Average total assets | $564,146,000 | 1,582 |
| Average earning assets | $515,880,750 | 1,601 |
| Average equity | $56,173,750 | 1,494 |
| Average total loans | $399,809,000 | 1,386 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1988% | 3,052 |
| Cost of funding earning assets | 0.1565% | 3,497 |
| Net interest margin | 3.0424% | 2,748 |
| Noninterest income to average assets | 0.3266% | 3,212 |
| Noninterest expense to average assets | 1.9900% | 3,456 |
| Loan and lease loss provision to assets | 0.0369% | 1,925 |
| Net operating income to assets | 0.8713% | 2,695 |
| Return on assets (ROA) | 0.8603% | 2,709 |
| Pretax return on assets | 1.0714% | 2,506 |
| Return on Equity (ROE) | 8.6872% | 2,795 |
| Retained earnings to average equity (ytd only) | 3.3543% | 3,325 |
| Net charge-offs to loans | 0.0997% | 594 |
| Credit loss provision to net charge-offs | 53.8462% | 1,479 |
| Earnings coverage of net charge-offs (x) | 16.3846% | 1,624 |
| Efficiency ratio | 63.5635% | 2,832 |
| Assets per employee ($millions) | 8.6375% | 1,008 |
| Cash dividends to net income (ytd only)* | 61.3878% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 3,917 |
| Loan loss allowance to noncurrent loans | 250.6986% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 1,973 |
| Noncurrent loans to loans | 0.3643% | 2,056 |
| Net loans and leases to total assets | 72.8155% | 1,026 |
| Net loans and leases to deposits | 84.7529% | 1,068 |
| Net loans and leases to core deposits | 88.6064% | 1,193 |
| Total domestic deposits to total assets | 85.9151% | 3,270 |
| Equity capital to assets | 10.0084% | 1,711 |
| Core capital (leverage) ratio | 7.8427% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3997% | 2,944 |
| Memoranda: | ||
| Average total assets | $569,548,667 | 1,578 |
| Average earning assets | $521,438,000 | 1,605 |
| Average equity | $56,405,000 | 1,516 |
| Average total loans | $391,354,333 | 1,407 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0237% | 3,180 |
| Cost of funding earning assets | 0.1726% | 3,189 |
| Net interest margin | 2.8511% | 2,983 |
| Noninterest income to average assets | 0.3131% | 3,223 |
| Noninterest expense to average assets | 2.0097% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7396% | 2,891 |
| Return on assets (ROA) | 0.7266% | 2,942 |
| Pretax return on assets | 0.9024% | 2,764 |
| Return on Equity (ROE) | 7.3754% | 2,917 |
| Retained earnings to average equity (ytd only) | 3.8151% | 3,005 |
| Net charge-offs to loans | 0.1933% | 317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 7.1576% | 1,548 |
| Efficiency ratio | 68.2067% | 2,477 |
| Assets per employee ($millions) | 8.3733% | 1,176 |
| Cash dividends to net income (ytd only)* | 48.2726% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,879 |
| Loan loss allowance to noncurrent loans | 235.5128% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 1,968 |
| Noncurrent loans to loans | 0.4074% | 2,033 |
| Net loans and leases to total assets | 67.6007% | 1,253 |
| Net loans and leases to deposits | 78.8365% | 1,221 |
| Net loans and leases to core deposits | 83.4904% | 1,270 |
| Total domestic deposits to total assets | 85.7480% | 3,330 |
| Equity capital to assets | 10.0385% | 1,861 |
| Core capital (leverage) ratio | 7.7626% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9994% | 2,893 |
| Memoranda: | ||
| Average total assets | $573,604,000 | 1,571 |
| Average earning assets | $526,106,500 | 1,599 |
| Average equity | $56,512,000 | 1,555 |
| Average total loans | $380,740,500 | 1,427 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0974% | 3,688 |
| Cost of funding earning assets | 0.3592% | 1,861 |
| Net interest margin | 2.7382% | 3,799 |
| Noninterest income to average assets | 0.3560% | 3,307 |
| Noninterest expense to average assets | 1.8940% | 3,934 |
| Loan and lease loss provision to assets | -0.1069% | 4,547 |
| Net operating income to assets | 0.8437% | 3,208 |
| Return on assets (ROA) | 0.8963% | 3,114 |
| Pretax return on assets | 1.1191% | 2,906 |
| Return on Equity (ROE) | 9.0898% | 2,878 |
| Retained earnings to average equity (ytd only) | 3.5502% | 3,404 |
| Net charge-offs to loans | 0.0123% | 2,104 |
| Credit loss provision to net charge-offs | -1,355.5556% | 3,985 |
| Earnings coverage of net charge-offs (x) | 119.9778% | 783 |
| Efficiency ratio | 66.1297% | 2,242 |
| Assets per employee ($millions) | 8.3743% | 1,133 |
| Cash dividends to net income (ytd only)* | 60.9427% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,666 |
| Loan loss allowance to noncurrent loans | 210.5349% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 1,985 |
| Noncurrent loans to loans | 0.4839% | 1,917 |
| Net loans and leases to total assets | 63.9210% | 1,710 |
| Net loans and leases to deposits | 73.7763% | 1,735 |
| Net loans and leases to core deposits | 78.5864% | 1,714 |
| Total domestic deposits to total assets | 86.6416% | 2,649 |
| Equity capital to assets | 9.6737% | 2,970 |
| Core capital (leverage) ratio | 7.5372% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1822% | 2,845 |
| Memoranda: | ||
| Average total assets | $570,440,800 | 1,509 |
| Average earning assets | $517,559,000 | 1,552 |
| Average equity | $56,249,800 | 1,605 |
| Average total loans | $365,970,800 | 1,477 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 3,757 |
| Cost of funding earning assets | 0.3852% | 1,821 |
| Net interest margin | 2.7393% | 3,901 |
| Noninterest income to average assets | 0.3575% | 3,316 |
| Noninterest expense to average assets | 1.9238% | 3,883 |
| Loan and lease loss provision to assets | -0.0376% | 4,416 |
| Net operating income to assets | 0.7594% | 3,628 |
| Return on assets (ROA) | 0.7602% | 3,688 |
| Pretax return on assets | 0.9478% | 3,592 |
| Return on Equity (ROE) | 7.6717% | 3,484 |
| Retained earnings to average equity (ytd only) | 2.6483% | 4,019 |
| Net charge-offs to loans | 0.0092% | 1,981 |
| Credit loss provision to net charge-offs | -640.0000% | 3,720 |
| Earnings coverage of net charge-offs (x) | 154.5200% | 667 |
| Efficiency ratio | 67.3257% | 1,929 |
| Assets per employee ($millions) | 8.6757% | 995 |
| Cash dividends to net income (ytd only)* | 65.4799% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,057 |
| Loan loss allowance to noncurrent loans | 191.8440% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 1,895 |
| Noncurrent loans to loans | 0.6174% | 1,770 |
| Net loans and leases to total assets | 62.1211% | 1,990 |
| Net loans and leases to deposits | 71.9126% | 2,062 |
| Net loans and leases to core deposits | 77.6253% | 1,917 |
| Total domestic deposits to total assets | 86.3841% | 2,604 |
| Equity capital to assets | 9.6987% | 3,186 |
| Core capital (leverage) ratio | 7.1977% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1724% | 2,930 |
| Memoranda: | ||
| Average total assets | $566,501,250 | 1,536 |
| Average earning assets | $511,945,750 | 1,580 |
| Average equity | $56,135,500 | 1,622 |
| Average total loans | $362,823,250 | 1,508 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1276% | 3,810 |
| Cost of funding earning assets | 0.4000% | 1,888 |
| Net interest margin | 2.7276% | 3,926 |
| Noninterest income to average assets | 0.3405% | 3,403 |
| Noninterest expense to average assets | 1.8818% | 4,013 |
| Loan and lease loss provision to assets | 0.0231% | 2,512 |
| Net operating income to assets | 0.7252% | 3,700 |
| Return on assets (ROA) | 0.7269% | 3,762 |
| Pretax return on assets | 0.9049% | 3,651 |
| Return on Equity (ROE) | 7.2821% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.1271% | 3,138 |
| Net charge-offs to loans | 0.0066% | 1,896 |
| Credit loss provision to net charge-offs | 541.6667% | 654 |
| Earnings coverage of net charge-offs (x) | 216.6667% | 475 |
| Efficiency ratio | 66.3623% | 2,098 |
| Assets per employee ($millions) | 8.7603% | 928 |
| Cash dividends to net income (ytd only)* | 29.5933% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,637 |
| Loan loss allowance to noncurrent loans | 246.8108% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 2,339 |
| Noncurrent loans to loans | 0.5107% | 2,145 |
| Net loans and leases to total assets | 60.9425% | 2,316 |
| Net loans and leases to deposits | 70.6205% | 2,346 |
| Net loans and leases to core deposits | 77.0975% | 2,125 |
| Total domestic deposits to total assets | 86.2958% | 2,632 |
| Equity capital to assets | 9.6898% | 3,159 |
| Core capital (leverage) ratio | 7.4188% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5943% | 2,833 |
| Memoranda: | ||
| Average total assets | $561,578,000 | 1,546 |
| Average earning assets | $507,995,000 | 1,583 |
| Average equity | $56,055,333 | 1,616 |
| Average total loans | $361,957,667 | 1,515 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2215% | 3,644 |
| Cost of funding earning assets | 0.4130% | 1,992 |
| Net interest margin | 2.8085% | 3,745 |
| Noninterest income to average assets | 0.3272% | 3,464 |
| Noninterest expense to average assets | 1.8903% | 4,003 |
| Loan and lease loss provision to assets | 0.0474% | 2,129 |
| Net operating income to assets | 0.7411% | 3,599 |
| Return on assets (ROA) | 0.7440% | 3,663 |
| Pretax return on assets | 0.9255% | 3,552 |
| Return on Equity (ROE) | 7.3392% | 3,515 |
| Retained earnings to average equity (ytd only) | 3.7954% | 3,562 |
| Net charge-offs to loans | 0.0055% | 1,706 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 266.0000% | 330 |
| Efficiency ratio | 65.4179% | 2,312 |
| Assets per employee ($millions) | 8.2547% | 1,075 |
| Cash dividends to net income (ytd only)* | 48.2860% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,626 |
| Loan loss allowance to noncurrent loans | 201.9876% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 2,213 |
| Noncurrent loans to loans | 0.6233% | 2,010 |
| Net loans and leases to total assets | 62.9672% | 2,172 |
| Net loans and leases to deposits | 72.9713% | 2,217 |
| Net loans and leases to core deposits | 74.4690% | 2,472 |
| Total domestic deposits to total assets | 86.2905% | 2,628 |
| Equity capital to assets | 9.7921% | 2,905 |
| Core capital (leverage) ratio | 7.7390% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4450% | 2,827 |
| Memoranda: | ||
| Average total assets | $548,898,500 | 1,564 |
| Average earning assets | $494,929,500 | 1,607 |
| Average equity | $55,646,500 | 1,618 |
| Average total loans | $361,806,500 | 1,517 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 3,318 |
| Cost of funding earning assets | 0.6460% | 2,017 |
| Net interest margin | 3.1487% | 3,499 |
| Noninterest income to average assets | 0.3700% | 3,267 |
| Noninterest expense to average assets | 2.0552% | 4,029 |
| Loan and lease loss provision to assets | 0.1465% | 2,543 |
| Net operating income to assets | 0.7968% | 3,107 |
| Return on assets (ROA) | 0.8372% | 3,080 |
| Pretax return on assets | 1.0404% | 2,910 |
| Return on Equity (ROE) | 7.6160% | 2,955 |
| Retained earnings to average equity (ytd only) | 3.1968% | 3,229 |
| Net charge-offs to loans | 0.0588% | 1,936 |
| Credit loss provision to net charge-offs | 343.6019% | 1,599 |
| Earnings coverage of net charge-offs (x) | 26.6540% | 1,709 |
| Efficiency ratio | 63.6024% | 2,878 |
| Assets per employee ($millions) | 7.2359% | 1,426 |
| Cash dividends to net income (ytd only)* | 58.0256% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,669 |
| Loan loss allowance to noncurrent loans | 197.8518% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 2,173 |
| Noncurrent loans to loans | 0.6329% | 2,109 |
| Net loans and leases to total assets | 67.3734% | 1,906 |
| Net loans and leases to deposits | 78.7906% | 1,997 |
| Net loans and leases to core deposits | 80.5947% | 2,312 |
| Total domestic deposits to total assets | 85.5095% | 2,565 |
| Equity capital to assets | 10.5107% | 2,667 |
| Core capital (leverage) ratio | 7.8604% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8645% | 2,955 |
| Memoranda: | ||
| Average total assets | $494,883,000 | 1,564 |
| Average earning assets | $443,486,400 | 1,610 |
| Average equity | $54,398,800 | 1,572 |
| Average total loans | $358,849,800 | 1,483 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 3,245 |
| Cost of funding earning assets | 0.6892% | 2,094 |
| Net interest margin | 3.2135% | 3,454 |
| Noninterest income to average assets | 0.3658% | 3,267 |
| Noninterest expense to average assets | 2.1002% | 3,944 |
| Loan and lease loss provision to assets | 0.1618% | 2,381 |
| Net operating income to assets | 0.7912% | 3,126 |
| Return on assets (ROA) | 0.8462% | 3,046 |
| Pretax return on assets | 1.0526% | 2,899 |
| Return on Equity (ROE) | 7.6078% | 2,956 |
| Retained earnings to average equity (ytd only) | 3.5649% | 3,272 |
| Net charge-offs to loans | 0.0350% | 2,132 |
| Credit loss provision to net charge-offs | 627.6596% | 1,142 |
| Earnings coverage of net charge-offs (x) | 44.4681% | 1,279 |
| Efficiency ratio | 63.8804% | 2,754 |
| Assets per employee ($millions) | 8.4520% | 861 |
| Cash dividends to net income (ytd only)* | 53.1412% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,544 |
| Loan loss allowance to noncurrent loans | 190.1015% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 2,293 |
| Noncurrent loans to loans | 0.6431% | 2,187 |
| Net loans and leases to total assets | 69.2876% | 2,062 |
| Net loans and leases to deposits | 81.0842% | 2,189 |
| Net loans and leases to core deposits | 83.2576% | 2,558 |
| Total domestic deposits to total assets | 85.4514% | 2,269 |
| Equity capital to assets | 10.5144% | 2,779 |
| Core capital (leverage) ratio | 7.9459% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2809% | 3,064 |
| Memoranda: | ||
| Average total assets | $486,548,000 | 1,568 |
| Average earning assets | $436,025,000 | 1,619 |
| Average equity | $54,118,500 | 1,572 |
| Average total loans | $358,463,500 | 1,479 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,220 |
| Cost of funding earning assets | 0.7278% | 2,251 |
| Net interest margin | 3.3137% | 3,348 |
| Noninterest income to average assets | 0.3388% | 3,447 |
| Noninterest expense to average assets | 2.1651% | 3,888 |
| Loan and lease loss provision to assets | 0.1666% | 2,338 |
| Net operating income to assets | 0.7920% | 3,066 |
| Return on assets (ROA) | 0.7961% | 3,171 |
| Pretax return on assets | 0.9779% | 3,090 |
| Return on Equity (ROE) | 7.0159% | 3,124 |
| Retained earnings to average equity (ytd only) | 3.2830% | 3,277 |
| Net charge-offs to loans | 0.0388% | 1,965 |
| Credit loss provision to net charge-offs | 572.4638% | 1,139 |
| Earnings coverage of net charge-offs (x) | 39.1449% | 1,261 |
| Efficiency ratio | 64.6240% | 2,726 |
| Assets per employee ($millions) | 7.4789% | 1,193 |
| Cash dividends to net income (ytd only)* | 53.2061% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,608 |
| Loan loss allowance to noncurrent loans | 196.1451% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 2,481 |
| Noncurrent loans to loans | 0.6018% | 2,343 |
| Net loans and leases to total assets | 71.1964% | 1,842 |
| Net loans and leases to deposits | 84.0469% | 1,996 |
| Net loans and leases to core deposits | 86.6821% | 2,382 |
| Total domestic deposits to total assets | 84.7103% | 2,502 |
| Equity capital to assets | 10.7247% | 2,550 |
| Core capital (leverage) ratio | 8.2951% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1133% | 3,151 |
| Memoranda: | ||
| Average total assets | $474,056,333 | 1,572 |
| Average earning assets | $424,301,667 | 1,636 |
| Average equity | $53,792,000 | 1,566 |
| Average total loans | $355,425,667 | 1,473 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 3,173 |
| Cost of funding earning assets | 0.7893% | 2,454 |
| Net interest margin | 3.4235% | 3,231 |
| Noninterest income to average assets | 0.3363% | 3,506 |
| Noninterest expense to average assets | 2.2662% | 3,843 |
| Loan and lease loss provision to assets | 0.1751% | 1,687 |
| Net operating income to assets | 0.7588% | 3,060 |
| Return on assets (ROA) | 0.7644% | 3,115 |
| Pretax return on assets | 0.9518% | 2,991 |
| Return on Equity (ROE) | 6.5372% | 3,123 |
| Retained earnings to average equity (ytd only) | 2.7781% | 3,167 |
| Net charge-offs to loans | 0.0069% | 2,326 |
| Credit loss provision to net charge-offs | 3,333.3333% | 238 |
| Earnings coverage of net charge-offs (x) | 213.1667% | 326 |
| Efficiency ratio | 65.9685% | 2,966 |
| Assets per employee ($millions) | 6.3955% | 1,406 |
| Cash dividends to net income (ytd only)* | 57.5029% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,733 |
| Loan loss allowance to noncurrent loans | 190.6776% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 2,475 |
| Noncurrent loans to loans | 0.6232% | 2,434 |
| Net loans and leases to total assets | 75.7150% | 1,350 |
| Net loans and leases to deposits | 91.2703% | 1,368 |
| Net loans and leases to core deposits | 96.3662% | 1,759 |
| Total domestic deposits to total assets | 82.9569% | 3,125 |
| Equity capital to assets | 11.6543% | 2,325 |
| Core capital (leverage) ratio | 8.8923% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3722% | 3,255 |
| Memoranda: | ||
| Average total assets | $456,802,000 | 1,583 |
| Average earning assets | $406,946,500 | 1,644 |
| Average equity | $53,417,000 | 1,560 |
| Average total loans | $349,936,000 | 1,453 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 3,162 |
| Cost of funding earning assets | 0.7576% | 2,877 |
| Net interest margin | 3.6705% | 2,904 |
| Noninterest income to average assets | 0.2236% | 4,326 |
| Noninterest expense to average assets | 2.3346% | 3,860 |
| Loan and lease loss provision to assets | 0.0969% | 2,101 |
| Net operating income to assets | 0.8487% | 3,394 |
| Return on assets (ROA) | 0.8784% | 3,373 |
| Pretax return on assets | 1.0946% | 3,184 |
| Return on Equity (ROE) | 7.6270% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.4133% | 2,219 |
| Net charge-offs to loans | 0.0276% | 2,840 |
| Credit loss provision to net charge-offs | 453.1250% | 641 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,063 |
| Efficiency ratio | 65.8817% | 2,791 |
| Assets per employee ($millions) | 6.0417% | 1,604 |
| Cash dividends to net income (ytd only)* | 29.0241% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,681 |
| Loan loss allowance to noncurrent loans | 176.1233% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 2,416 |
| Noncurrent loans to loans | 0.6541% | 2,256 |
| Net loans and leases to total assets | 75.7031% | 1,465 |
| Net loans and leases to deposits | 89.7384% | 1,624 |
| Net loans and leases to core deposits | 93.8988% | 2,070 |
| Total domestic deposits to total assets | 84.3597% | 2,732 |
| Equity capital to assets | 11.7337% | 2,328 |
| Core capital (leverage) ratio | 8.6533% | 4,757 |
| Tier 1 risk-based capital ratio | 10.5774% | 4,999 |
| Total risk-based capital ratio | 11.2947% | 5,073 |
| Memoranda: | ||
| Average total assets | $449,105,000 | 1,559 |
| Average earning assets | $399,534,800 | 1,632 |
| Average equity | $51,724,000 | 1,551 |
| Average total loans | $347,883,200 | 1,429 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 3,228 |
| Cost of funding earning assets | 0.7384% | 3,024 |
| Net interest margin | 3.7049% | 2,904 |
| Noninterest income to average assets | 0.3675% | 3,514 |
| Noninterest expense to average assets | 2.3926% | 3,709 |
| Loan and lease loss provision to assets | 0.0922% | 2,066 |
| Net operating income to assets | 0.9414% | 3,199 |
| Return on assets (ROA) | 0.9819% | 3,123 |
| Pretax return on assets | 1.2265% | 2,895 |
| Return on Equity (ROE) | 8.5663% | 3,076 |
| Retained earnings to average equity (ytd only) | 6.2949% | 2,227 |
| Net charge-offs to loans | 0.0126% | 2,919 |
| Credit loss provision to net charge-offs | 939.3939% | 377 |
| Earnings coverage of net charge-offs (x) | 129.1482% | 606 |
| Efficiency ratio | 64.3420% | 2,955 |
| Assets per employee ($millions) | 5.9892% | 1,615 |
| Cash dividends to net income (ytd only)* | 26.5152% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 2,860 |
| Loan loss allowance to noncurrent loans | 166.2162% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 2,473 |
| Noncurrent loans to loans | 0.6819% | 2,256 |
| Net loans and leases to total assets | 74.4489% | 1,722 |
| Net loans and leases to deposits | 88.3220% | 1,890 |
| Net loans and leases to core deposits | 92.0487% | 2,362 |
| Total domestic deposits to total assets | 84.2926% | 2,715 |
| Equity capital to assets | 11.4877% | 2,667 |
| Core capital (leverage) ratio | 8.5453% | 4,925 |
| Tier 1 risk-based capital ratio | 10.4717% | 5,083 |
| Total risk-based capital ratio | 11.1589% | 5,162 |
| Memoranda: | ||
| Average total assets | $448,098,500 | 1,568 |
| Average earning assets | $398,306,750 | 1,642 |
| Average equity | $51,362,750 | 1,562 |
| Average total loans | $348,096,000 | 1,438 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 3,245 |
| Cost of funding earning assets | 0.7036% | 3,151 |
| Net interest margin | 3.7265% | 2,849 |
| Noninterest income to average assets | 0.3547% | 3,564 |
| Noninterest expense to average assets | 2.4293% | 3,662 |
| Loan and lease loss provision to assets | 0.0901% | 2,045 |
| Net operating income to assets | 0.9164% | 3,220 |
| Return on assets (ROA) | 0.9258% | 3,245 |
| Pretax return on assets | 1.1556% | 3,059 |
| Return on Equity (ROE) | 8.0827% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.4575% | 2,074 |
| Net charge-offs to loans | 0.0121% | 2,704 |
| Credit loss provision to net charge-offs | 952.3810% | 359 |
| Earnings coverage of net charge-offs (x) | 130.3810% | 563 |
| Efficiency ratio | 65.2190% | 2,941 |
| Assets per employee ($millions) | 5.9275% | 1,597 |
| Cash dividends to net income (ytd only)* | 20.1071% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,062 |
| Loan loss allowance to noncurrent loans | 153.3759% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 2,349 |
| Noncurrent loans to loans | 0.7180% | 2,189 |
| Net loans and leases to total assets | 76.5268% | 1,463 |
| Net loans and leases to deposits | 91.5455% | 1,549 |
| Net loans and leases to core deposits | 96.1701% | 2,054 |
| Total domestic deposits to total assets | 83.5942% | 3,014 |
| Equity capital to assets | 11.5701% | 2,556 |
| Core capital (leverage) ratio | 8.5810% | 4,921 |
| Tier 1 risk-based capital ratio | 10.3842% | 5,142 |
| Total risk-based capital ratio | 11.0255% | 5,224 |
| Memoranda: | ||
| Average total assets | $443,741,330 | 1,578 |
| Average earning assets | $393,992,330 | 1,658 |
| Average equity | $50,824,330 | 1,566 |
| Average total loans | $348,370,670 | 1,446 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 3,190 |
| Cost of funding earning assets | 0.6523% | 3,309 |
| Net interest margin | 3.7578% | 2,678 |
| Noninterest income to average assets | 0.3561% | 3,474 |
| Noninterest expense to average assets | 2.4280% | 3,690 |
| Loan and lease loss provision to assets | 0.0999% | 1,758 |
| Net operating income to assets | 0.9245% | 3,141 |
| Return on assets (ROA) | 0.9383% | 3,140 |
| Pretax return on assets | 1.1736% | 2,907 |
| Return on Equity (ROE) | 8.2351% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.5849% | 2,208 |
| Net charge-offs to loans | 0.0080% | 2,403 |
| Credit loss provision to net charge-offs | 1,571.4286% | 249 |
| Earnings coverage of net charge-offs (x) | 197.5714% | 395 |
| Efficiency ratio | 64.7682% | 3,121 |
| Assets per employee ($millions) | 6.0510% | 1,508 |
| Cash dividends to net income (ytd only)* | 20.0387% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,257 |
| Loan loss allowance to noncurrent loans | 154.0950% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 2,355 |
| Noncurrent loans to loans | 0.6982% | 2,277 |
| Net loans and leases to total assets | 78.3241% | 1,104 |
| Net loans and leases to deposits | 93.4439% | 1,236 |
| Net loans and leases to core deposits | 97.8860% | 1,783 |
| Total domestic deposits to total assets | 83.8194% | 3,112 |
| Equity capital to assets | 11.4938% | 2,404 |
| Core capital (leverage) ratio | 8.6346% | 4,927 |
| Tier 1 risk-based capital ratio | 10.0574% | 5,275 |
| Total risk-based capital ratio | 10.6436% | 5,325 |
| Memoranda: | ||
| Average total assets | $440,368,000 | 1,597 |
| Average earning assets | $390,015,000 | 1,679 |
| Average equity | $50,175,500 | 1,573 |
| Average total loans | $348,264,500 | 1,449 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 3,689 |
| Cost of funding earning assets | 0.4130% | 3,908 |
| Net interest margin | 3.7042% | 3,020 |
| Noninterest income to average assets | 0.4153% | 3,346 |
| Noninterest expense to average assets | 2.3092% | 4,097 |
| Loan and lease loss provision to assets | 0.1447% | 1,484 |
| Net operating income to assets | 1.0111% | 2,958 |
| Return on assets (ROA) | 1.0034% | 2,981 |
| Pretax return on assets | 1.2479% | 2,705 |
| Return on Equity (ROE) | 8.8077% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.8077% | 934 |
| Net charge-offs to loans | 0.0722% | 2,087 |
| Credit loss provision to net charge-offs | 253.1646% | 1,179 |
| Earnings coverage of net charge-offs (x) | 24.5359% | 1,806 |
| Efficiency ratio | 60.9317% | 3,704 |
| Assets per employee ($millions) | 6.2716% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,347 |
| Loan loss allowance to noncurrent loans | 150.8035% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 2,245 |
| Noncurrent loans to loans | 0.6999% | 2,240 |
| Net loans and leases to total assets | 78.1595% | 1,252 |
| Net loans and leases to deposits | 95.6353% | 1,105 |
| Net loans and leases to core deposits | 99.8772% | 1,727 |
| Total domestic deposits to total assets | 81.7266% | 3,713 |
| Equity capital to assets | 11.2936% | 2,422 |
| Core capital (leverage) ratio | 8.6552% | 4,915 |
| Tier 1 risk-based capital ratio | 10.0611% | 5,293 |
| Total risk-based capital ratio | 10.6028% | 5,363 |
| Memoranda: | ||
| Average total assets | $414,682,400 | 1,654 |
| Average earning assets | $369,015,400 | 1,727 |
| Average equity | $47,242,600 | 1,587 |
| Average total loans | $328,359,600 | 1,486 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,839 |
| Cost of funding earning assets | 0.3675% | 4,069 |
| Net interest margin | 3.6642% | 3,149 |
| Noninterest income to average assets | 0.3785% | 3,610 |
| Noninterest expense to average assets | 2.3357% | 4,006 |
| Loan and lease loss provision to assets | 0.1305% | 1,547 |
| Net operating income to assets | 0.9416% | 3,347 |
| Return on assets (ROA) | 0.9329% | 3,390 |
| Pretax return on assets | 1.1584% | 3,167 |
| Return on Equity (ROE) | 8.1698% | 3,479 |
| Retained earnings to average equity (ytd only) | 8.1698% | 1,572 |
| Net charge-offs to loans | 0.0601% | 1,963 |
| Credit loss provision to net charge-offs | 273.9726% | 1,100 |
| Earnings coverage of net charge-offs (x) | 27.2811% | 1,710 |
| Efficiency ratio | 62.8848% | 3,356 |
| Assets per employee ($millions) | 6.0122% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,543 |
| Loan loss allowance to noncurrent loans | 148.9513% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 2,311 |
| Noncurrent loans to loans | 0.6975% | 2,333 |
| Net loans and leases to total assets | 79.2343% | 1,127 |
| Net loans and leases to deposits | 97.8841% | 956 |
| Net loans and leases to core deposits | 102.2372% | 1,593 |
| Total domestic deposits to total assets | 80.9470% | 3,882 |
| Equity capital to assets | 11.2474% | 2,431 |
| Core capital (leverage) ratio | 8.7078% | 4,953 |
| Tier 1 risk-based capital ratio | 9.8790% | 5,400 |
| Total risk-based capital ratio | 10.3632% | 5,449 |
| Memoranda: | ||
| Average total assets | $408,600,500 | 1,682 |
| Average earning assets | $363,178,500 | 1,759 |
| Average equity | $46,658,250 | 1,606 |
| Average total loans | $323,752,500 | 1,510 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,933 |
| Cost of funding earning assets | 0.3417% | 4,124 |
| Net interest margin | 3.6067% | 3,283 |
| Noninterest income to average assets | 0.3498% | 3,824 |
| Noninterest expense to average assets | 2.3796% | 3,949 |
| Loan and lease loss provision to assets | 0.1093% | 1,796 |
| Net operating income to assets | 0.8641% | 3,610 |
| Return on assets (ROA) | 0.8556% | 3,648 |
| Pretax return on assets | 1.0603% | 3,474 |
| Return on Equity (ROE) | 7.4534% | 3,746 |
| Retained earnings to average equity (ytd only) | 7.4534% | 1,863 |
| Net charge-offs to loans | 0.0308% | 2,242 |
| Credit loss provision to net charge-offs | 448.9796% | 763 |
| Earnings coverage of net charge-offs (x) | 48.4694% | 1,148 |
| Efficiency ratio | 65.3546% | 3,092 |
| Assets per employee ($millions) | 5.8409% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,546 |
| Loan loss allowance to noncurrent loans | 130.3759% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 2,269 |
| Noncurrent loans to loans | 0.8035% | 2,123 |
| Net loans and leases to total assets | 78.9924% | 1,162 |
| Net loans and leases to deposits | 96.5191% | 1,093 |
| Net loans and leases to core deposits | 100.7935% | 1,670 |
| Total domestic deposits to total assets | 81.8412% | 3,773 |
| Equity capital to assets | 11.3269% | 2,337 |
| Core capital (leverage) ratio | 8.5797% | 5,057 |
| Tier 1 risk-based capital ratio | 9.7727% | 5,471 |
| Total risk-based capital ratio | 10.2020% | 5,510 |
| Memoranda: | ||
| Average total assets | $402,513,000 | 1,716 |
| Average earning assets | $358,223,330 | 1,785 |
| Average equity | $46,207,330 | 1,627 |
| Average total loans | $317,745,670 | 1,535 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 3,936 |
| Cost of funding earning assets | 0.3136% | 4,240 |
| Net interest margin | 3.5824% | 3,248 |
| Noninterest income to average assets | 0.3915% | 3,530 |
| Noninterest expense to average assets | 2.4227% | 3,886 |
| Loan and lease loss provision to assets | 0.0858% | 2,084 |
| Net operating income to assets | 0.8595% | 3,461 |
| Return on assets (ROA) | 0.8456% | 3,539 |
| Pretax return on assets | 1.0474% | 3,364 |
| Return on Equity (ROE) | 7.3149% | 3,660 |
| Retained earnings to average equity (ytd only) | 7.3149% | 2,141 |
| Net charge-offs to loans | 0.0116% | 2,330 |
| Credit loss provision to net charge-offs | 944.4444% | 362 |
| Earnings coverage of net charge-offs (x) | 126.6667% | 508 |
| Efficiency ratio | 66.2525% | 3,117 |
| Assets per employee ($millions) | 5.5497% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,553 |
| Loan loss allowance to noncurrent loans | 118.7324% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 2,158 |
| Noncurrent loans to loans | 0.9008% | 2,019 |
| Net loans and leases to total assets | 79.1532% | 1,056 |
| Net loans and leases to deposits | 94.0756% | 1,219 |
| Net loans and leases to core deposits | 97.8973% | 1,839 |
| Total domestic deposits to total assets | 84.1378% | 3,270 |
| Equity capital to assets | 11.7057% | 1,986 |
| Core capital (leverage) ratio | 8.5022% | 5,138 |
| Tier 1 risk-based capital ratio | 10.0593% | 5,487 |
| Total risk-based capital ratio | 10.9523% | 5,520 |
| Memoranda: | ||
| Average total assets | $396,418,000 | 1,755 |
| Average earning assets | $352,056,000 | 1,827 |
| Average equity | $45,824,500 | 1,650 |
| Average total loans | $311,092,500 | 1,555 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 4,100 |
| Cost of funding earning assets | 0.2563% | 4,511 |
| Net interest margin | 3.5275% | 3,435 |
| Noninterest income to average assets | 0.4273% | 3,458 |
| Noninterest expense to average assets | 2.4500% | 3,936 |
| Loan and lease loss provision to assets | 0.0906% | 2,382 |
| Net operating income to assets | 0.4768% | 4,438 |
| Return on assets (ROA) | 0.4778% | 4,472 |
| Pretax return on assets | 1.0102% | 3,529 |
| Return on Equity (ROE) | 4.0409% | 4,488 |
| Retained earnings to average equity (ytd only) | 0.0022% | 5,011 |
| Net charge-offs to loans | 0.0147% | 3,593 |
| Credit loss provision to net charge-offs | 813.9535% | 423 |
| Earnings coverage of net charge-offs (x) | 98.7209% | 651 |
| Efficiency ratio | 67.3136% | 3,036 |
| Assets per employee ($millions) | 5.5390% | 1,894 |
| Cash dividends to net income (ytd only)* | 99.9458% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,484 |
| Loan loss allowance to noncurrent loans | 146.4032% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 2,664 |
| Noncurrent loans to loans | 0.7337% | 2,379 |
| Net loans and leases to total assets | 76.1345% | 1,565 |
| Net loans and leases to deposits | 89.7920% | 1,801 |
| Net loans and leases to core deposits | 93.3054% | 2,257 |
| Total domestic deposits to total assets | 84.7898% | 2,916 |
| Equity capital to assets | 11.4154% | 2,265 |
| Core capital (leverage) ratio | 8.3844% | 5,233 |
| Tier 1 risk-based capital ratio | 9.7308% | 5,580 |
| Total risk-based capital ratio | 10.1739% | 5,630 |
| Memoranda: | ||
| Average total assets | $386,160,800 | 1,770 |
| Average earning assets | $341,772,200 | 1,829 |
| Average equity | $45,658,600 | 1,644 |
| Average total loans | $291,608,200 | 1,607 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 4,186 |
| Cost of funding earning assets | 0.2452% | 4,607 |
| Net interest margin | 3.5037% | 3,492 |
| Noninterest income to average assets | 0.4251% | 3,521 |
| Noninterest expense to average assets | 2.4581% | 3,863 |
| Loan and lease loss provision to assets | 0.0992% | 2,130 |
| Net operating income to assets | 0.6708% | 4,117 |
| Return on assets (ROA) | 0.6722% | 4,167 |
| Pretax return on assets | 0.9733% | 3,793 |
| Return on Equity (ROE) | 5.6347% | 4,279 |
| Retained earnings to average equity (ytd only) | 1.5991% | 4,789 |
| Net charge-offs to loans | 0.0204% | 3,086 |
| Credit loss provision to net charge-offs | 647.7273% | 506 |
| Earnings coverage of net charge-offs (x) | 69.8807% | 893 |
| Efficiency ratio | 67.8867% | 2,890 |
| Assets per employee ($millions) | 5.6085% | 1,820 |
| Cash dividends to net income (ytd only)* | 71.6208% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 3,603 |
| Loan loss allowance to noncurrent loans | 127.6571% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 2,465 |
| Noncurrent loans to loans | 0.8457% | 2,248 |
| Net loans and leases to total assets | 77.6219% | 1,329 |
| Net loans and leases to deposits | 92.3986% | 1,511 |
| Net loans and leases to core deposits | 94.9636% | 2,173 |
| Total domestic deposits to total assets | 84.0077% | 3,121 |
| Equity capital to assets | 12.0835% | 1,913 |
| Core capital (leverage) ratio | 8.7032% | 5,060 |
| Tier 1 risk-based capital ratio | 9.9163% | 5,613 |
| Total risk-based capital ratio | 10.3528% | 5,694 |
| Memoranda: | ||
| Average total assets | $382,999,750 | 1,794 |
| Average earning assets | $339,247,750 | 1,858 |
| Average equity | $45,692,000 | 1,660 |
| Average total loans | $287,779,000 | 1,628 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 4,370 |
| Cost of funding earning assets | 0.2410% | 4,632 |
| Net interest margin | 3.4070% | 3,747 |
| Noninterest income to average assets | 0.4328% | 3,467 |
| Noninterest expense to average assets | 2.4279% | 3,972 |
| Loan and lease loss provision to assets | 0.1330% | 1,564 |
| Net operating income to assets | 0.6132% | 4,246 |
| Return on assets (ROA) | 0.6132% | 4,290 |
| Pretax return on assets | 0.8870% | 3,968 |
| Return on Equity (ROE) | 5.1623% | 4,410 |
| Retained earnings to average equity (ytd only) | 1.1150% | 4,793 |
| Net charge-offs to loans | -0.0578% | 5,236 |
| Credit loss provision to net charge-offs | -310.9756% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5269% | 2,917 |
| Assets per employee ($millions) | 5.9390% | 1,506 |
| Cash dividends to net income (ytd only)* | 78.4014% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,383 |
| Loan loss allowance to noncurrent loans | 127.8632% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 2,441 |
| Noncurrent loans to loans | 0.8892% | 2,196 |
| Net loans and leases to total assets | 77.3169% | 1,344 |
| Net loans and leases to deposits | 92.1504% | 1,467 |
| Net loans and leases to core deposits | 94.3575% | 2,120 |
| Total domestic deposits to total assets | 83.9030% | 3,237 |
| Equity capital to assets | 12.2158% | 1,776 |
| Core capital (leverage) ratio | 8.6102% | 5,134 |
| Tier 1 risk-based capital ratio | 9.9862% | 5,631 |
| Total risk-based capital ratio | 10.4526% | 5,723 |
| Memoranda: | ||
| Average total assets | $383,540,330 | 1,792 |
| Average earning assets | $339,421,330 | 1,857 |
| Average equity | $45,561,330 | 1,665 |
| Average total loans | $283,950,670 | 1,642 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5328% | 4,598 |
| Cost of funding earning assets | 0.2437% | 4,587 |
| Net interest margin | 3.2891% | 4,048 |
| Noninterest income to average assets | 0.4070% | 3,611 |
| Noninterest expense to average assets | 2.4017% | 4,106 |
| Loan and lease loss provision to assets | 0.1545% | 1,182 |
| Net operating income to assets | 0.5265% | 4,488 |
| Return on assets (ROA) | 0.5265% | 4,528 |
| Pretax return on assets | 0.7573% | 4,267 |
| Return on Equity (ROE) | 4.4934% | 4,601 |
| Retained earnings to average equity (ytd only) | 0.4397% | 4,820 |
| Net charge-offs to loans | 0.0300% | 2,162 |
| Credit loss provision to net charge-offs | 714.2857% | 450 |
| Earnings coverage of net charge-offs (x) | 42.1429% | 998 |
| Efficiency ratio | 70.4913% | 2,816 |
| Assets per employee ($millions) | 6.3733% | 1,247 |
| Cash dividends to net income (ytd only)* | 90.2153% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,625 |
| Loan loss allowance to noncurrent loans | 142.6155% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 2,934 |
| Noncurrent loans to loans | 0.7814% | 2,507 |
| Net loans and leases to total assets | 71.1878% | 2,185 |
| Net loans and leases to deposits | 84.0193% | 2,286 |
| Net loans and leases to core deposits | 86.3843% | 2,684 |
| Total domestic deposits to total assets | 84.7280% | 3,201 |
| Equity capital to assets | 11.7234% | 2,016 |
| Core capital (leverage) ratio | 8.3630% | 5,333 |
| Tier 1 risk-based capital ratio | 10.4002% | 5,588 |
| Total risk-based capital ratio | 11.2154% | 5,678 |
| Memoranda: | ||
| Average total assets | $388,232,500 | 1,782 |
| Average earning assets | $343,074,500 | 1,855 |
| Average equity | $45,489,000 | 1,667 |
| Average total loans | $279,619,500 | 1,675 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 4,170 |
| Cost of funding earning assets | 0.2344% | 4,700 |
| Net interest margin | 3.4800% | 3,506 |
| Noninterest income to average assets | 0.4777% | 3,360 |
| Noninterest expense to average assets | 2.4543% | 4,152 |
| Loan and lease loss provision to assets | 0.1270% | 1,953 |
| Net operating income to assets | 0.6568% | 3,969 |
| Return on assets (ROA) | 0.6579% | 4,081 |
| Pretax return on assets | 0.9528% | 3,646 |
| Return on Equity (ROE) | 5.4474% | 4,217 |
| Retained earnings to average equity (ytd only) | 1.3701% | 4,726 |
| Net charge-offs to loans | 0.0642% | 2,777 |
| Credit loss provision to net charge-offs | 268.9266% | 1,069 |
| Earnings coverage of net charge-offs (x) | 22.8249% | 1,715 |
| Efficiency ratio | 67.4222% | 3,363 |
| Assets per employee ($millions) | 6.6844% | 1,057 |
| Cash dividends to net income (ytd only)* | 74.8479% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,886 |
| Loan loss allowance to noncurrent loans | 119.5522% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 2,633 |
| Noncurrent loans to loans | 0.8953% | 2,306 |
| Net loans and leases to total assets | 71.2862% | 2,281 |
| Net loans and leases to deposits | 84.0520% | 2,408 |
| Net loans and leases to core deposits | 86.6734% | 2,794 |
| Total domestic deposits to total assets | 84.8120% | 3,125 |
| Equity capital to assets | 11.7105% | 2,000 |
| Core capital (leverage) ratio | 8.5351% | 5,224 |
| Tier 1 risk-based capital ratio | 10.1645% | 5,691 |
| Total risk-based capital ratio | 10.9772% | 5,770 |
| Memoranda: | ||
| Average total assets | $374,690,000 | 1,786 |
| Average earning assets | $328,911,000 | 1,874 |
| Average equity | $45,250,600 | 1,661 |
| Average total loans | $275,643,400 | 1,639 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 4,119 |
| Cost of funding earning assets | 0.2295% | 4,791 |
| Net interest margin | 3.5091% | 3,434 |
| Noninterest income to average assets | 0.4875% | 3,338 |
| Noninterest expense to average assets | 2.4983% | 3,989 |
| Loan and lease loss provision to assets | 0.1170% | 1,973 |
| Net operating income to assets | 0.6676% | 4,010 |
| Return on assets (ROA) | 0.6691% | 4,126 |
| Pretax return on assets | 0.9527% | 3,804 |
| Return on Equity (ROE) | 5.4968% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.4184% | 4,943 |
| Net charge-offs to loans | 0.0621% | 2,469 |
| Credit loss provision to net charge-offs | 254.6875% | 1,183 |
| Earnings coverage of net charge-offs (x) | 23.2347% | 1,718 |
| Efficiency ratio | 67.9686% | 3,231 |
| Assets per employee ($millions) | 6.5891% | 1,055 |
| Cash dividends to net income (ytd only)* | 74.1952% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 4,177 |
| Loan loss allowance to noncurrent loans | 113.6507% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 2,768 |
| Noncurrent loans to loans | 0.9155% | 2,413 |
| Net loans and leases to total assets | 71.8998% | 2,212 |
| Net loans and leases to deposits | 84.8510% | 2,387 |
| Net loans and leases to core deposits | 87.3279% | 2,820 |
| Total domestic deposits to total assets | 84.7366% | 2,922 |
| Equity capital to assets | 11.9304% | 2,164 |
| Core capital (leverage) ratio | 8.5753% | 5,288 |
| Tier 1 risk-based capital ratio | 10.2226% | 5,731 |
| Total risk-based capital ratio | 11.0101% | 5,824 |
| Memoranda: | ||
| Average total assets | $371,438,750 | 1,805 |
| Average earning assets | $325,850,750 | 1,900 |
| Average equity | $45,213,000 | 1,668 |
| Average total loans | $274,713,500 | 1,646 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 4,123 |
| Cost of funding earning assets | 0.2242% | 4,894 |
| Net interest margin | 3.5270% | 3,381 |
| Noninterest income to average assets | 0.4996% | 3,195 |
| Noninterest expense to average assets | 2.5792% | 3,791 |
| Loan and lease loss provision to assets | 0.1348% | 1,691 |
| Net operating income to assets | 0.6191% | 4,192 |
| Return on assets (ROA) | 0.6214% | 4,312 |
| Pretax return on assets | 0.8770% | 4,037 |
| Return on Equity (ROE) | 5.0703% | 4,483 |
| Retained earnings to average equity (ytd only) | 0.9803% | 4,995 |
| Net charge-offs to loans | 0.0745% | 2,117 |
| Credit loss provision to net charge-offs | 243.1373% | 1,125 |
| Earnings coverage of net charge-offs (x) | 18.1863% | 1,840 |
| Efficiency ratio | 69.7227% | 3,029 |
| Assets per employee ($millions) | 6.2624% | 1,221 |
| Cash dividends to net income (ytd only)* | 80.6649% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 4,327 |
| Loan loss allowance to noncurrent loans | 100.2473% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 2,579 |
| Noncurrent loans to loans | 1.0318% | 2,218 |
| Net loans and leases to total assets | 72.2419% | 2,126 |
| Net loans and leases to deposits | 86.0821% | 2,245 |
| Net loans and leases to core deposits | 88.4298% | 2,689 |
| Total domestic deposits to total assets | 83.9221% | 3,298 |
| Equity capital to assets | 12.0784% | 2,075 |
| Core capital (leverage) ratio | 8.5939% | 5,271 |
| Tier 1 risk-based capital ratio | 10.5024% | 5,670 |
| Total risk-based capital ratio | 11.2959% | 5,784 |
| Memoranda: | ||
| Average total assets | $367,862,330 | 1,822 |
| Average earning assets | $322,090,330 | 1,919 |
| Average equity | $45,086,000 | 1,674 |
| Average total loans | $273,729,000 | 1,649 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 4,008 |
| Cost of funding earning assets | 0.2160% | 5,043 |
| Net interest margin | 3.5657% | 3,221 |
| Noninterest income to average assets | 0.5144% | 3,020 |
| Noninterest expense to average assets | 2.7325% | 3,303 |
| Loan and lease loss provision to assets | 0.1869% | 1,062 |
| Net operating income to assets | 0.5239% | 4,525 |
| Return on assets (ROA) | 0.5287% | 4,620 |
| Pretax return on assets | 0.7221% | 4,447 |
| Return on Equity (ROE) | 4.2815% | 4,785 |
| Retained earnings to average equity (ytd only) | 0.1780% | 5,067 |
| Net charge-offs to loans | 0.0117% | 2,735 |
| Credit loss provision to net charge-offs | 2,125.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 102.6250% | 530 |
| Efficiency ratio | 72.9664% | 2,647 |
| Assets per employee ($millions) | 5.3605% | 1,968 |
| Cash dividends to net income (ytd only)* | 95.8420% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 4,312 |
| Loan loss allowance to noncurrent loans | 91.7068% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 2,146 |
| Noncurrent loans to loans | 1.1507% | 2,107 |
| Net loans and leases to total assets | 74.4782% | 1,648 |
| Net loans and leases to deposits | 89.0495% | 1,696 |
| Net loans and leases to core deposits | 91.5692% | 2,228 |
| Total domestic deposits to total assets | 83.6369% | 3,664 |
| Equity capital to assets | 12.5606% | 1,643 |
| Core capital (leverage) ratio | 8.8697% | 4,999 |
| Tier 1 risk-based capital ratio | 9.8329% | 5,940 |
| Total risk-based capital ratio | 10.5818% | 6,021 |
| Memoranda: | ||
| Average total assets | $363,920,500 | 1,846 |
| Average earning assets | $318,476,000 | 1,942 |
| Average equity | $44,937,000 | 1,678 |
| Average total loans | $273,452,000 | 1,650 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 3,758 |
| Cost of funding earning assets | 0.1844% | 5,408 |
| Net interest margin | 3.7007% | 2,746 |
| Noninterest income to average assets | 0.6676% | 2,360 |
| Noninterest expense to average assets | 2.6498% | 3,758 |
| Loan and lease loss provision to assets | 0.3504% | 423 |
| Net operating income to assets | 0.6380% | 4,098 |
| Return on assets (ROA) | 0.6490% | 4,140 |
| Pretax return on assets | 0.9150% | 3,783 |
| Return on Equity (ROE) | 5.0621% | 4,475 |
| Retained earnings to average equity (ytd only) | 1.4791% | 4,879 |
| Net charge-offs to loans | 0.1719% | 1,656 |
| Credit loss provision to net charge-offs | 261.7521% | 1,104 |
| Earnings coverage of net charge-offs (x) | 9.3376% | 2,831 |
| Efficiency ratio | 65.6887% | 3,954 |
| Assets per employee ($millions) | 5.6721% | 1,636 |
| Cash dividends to net income (ytd only)* | 70.7801% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 4,745 |
| Loan loss allowance to noncurrent loans | 63.7527% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.3090% | 1,624 |
| Noncurrent loans to loans | 1.5263% | 1,524 |
| Net loans and leases to total assets | 74.2821% | 1,679 |
| Net loans and leases to deposits | 88.3339% | 1,833 |
| Net loans and leases to core deposits | 90.8861% | 2,325 |
| Total domestic deposits to total assets | 84.0924% | 3,450 |
| Equity capital to assets | 12.1410% | 1,854 |
| Core capital (leverage) ratio | 8.9029% | 5,000 |
| Tier 1 risk-based capital ratio | 10.6558% | 5,698 |
| Total risk-based capital ratio | 11.6063% | 5,763 |
| Memoranda: | ||
| Average total assets | $349,607,200 | 1,870 |
| Average earning assets | $305,349,800 | 1,992 |
| Average equity | $44,823,200 | 1,649 |
| Average total loans | $272,283,200 | 1,603 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,508 |
| Cost of funding earning assets | 0.1767% | 5,582 |
| Net interest margin | 3.7815% | 2,457 |
| Noninterest income to average assets | 0.6650% | 2,412 |
| Noninterest expense to average assets | 2.6667% | 3,673 |
| Loan and lease loss provision to assets | 0.3750% | 341 |
| Net operating income to assets | 0.6534% | 4,112 |
| Return on assets (ROA) | 0.6627% | 4,175 |
| Pretax return on assets | 0.9388% | 3,851 |
| Return on Equity (ROE) | 5.0967% | 4,583 |
| Retained earnings to average equity (ytd only) | 1.6920% | 5,022 |
| Net charge-offs to loans | 0.2812% | 950 |
| Credit loss provision to net charge-offs | 169.5804% | 1,535 |
| Earnings coverage of net charge-offs (x) | 5.8811% | 3,139 |
| Efficiency ratio | 64.9254% | 4,078 |
| Assets per employee ($millions) | 5.3926% | 1,871 |
| Cash dividends to net income (ytd only)* | 66.8028% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 5,308 |
| Loan loss allowance to noncurrent loans | 92.9084% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 2,436 |
| Noncurrent loans to loans | 0.9341% | 2,641 |
| Net loans and leases to total assets | 77.1863% | 1,223 |
| Net loans and leases to deposits | 93.5269% | 1,254 |
| Net loans and leases to core deposits | 96.6635% | 1,827 |
| Total domestic deposits to total assets | 82.5284% | 3,979 |
| Equity capital to assets | 13.0236% | 1,431 |
| Core capital (leverage) ratio | 9.0815% | 4,905 |
| Tier 1 risk-based capital ratio | 9.7658% | 6,088 |
| Total risk-based capital ratio | 10.5261% | 6,153 |
| Memoranda: | ||
| Average total assets | $344,837,750 | 1,909 |
| Average earning assets | $301,143,500 | 2,028 |
| Average equity | $44,838,500 | 1,658 |
| Average total loans | $271,214,500 | 1,623 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 3,434 |
| Cost of funding earning assets | 0.1720% | 5,676 |
| Net interest margin | 3.7911% | 2,353 |
| Noninterest income to average assets | 0.7205% | 2,130 |
| Noninterest expense to average assets | 2.6391% | 3,781 |
| Loan and lease loss provision to assets | 0.4061% | 280 |
| Net operating income to assets | 0.6934% | 3,921 |
| Return on assets (ROA) | 0.7072% | 3,978 |
| Pretax return on assets | 1.0071% | 3,560 |
| Return on Equity (ROE) | 5.4417% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.3883% | 4,538 |
| Net charge-offs to loans | 0.2176% | 1,171 |
| Credit loss provision to net charge-offs | 236.4865% | 1,088 |
| Earnings coverage of net charge-offs (x) | 8.1149% | 2,596 |
| Efficiency ratio | 63.1132% | 4,499 |
| Assets per employee ($millions) | 5.6698% | 1,602 |
| Cash dividends to net income (ytd only)* | 56.1116% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 5,463 |
| Loan loss allowance to noncurrent loans | 55.4554% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 1,715 |
| Noncurrent loans to loans | 1.5367% | 1,722 |
| Net loans and leases to total assets | 78.6514% | 987 |
| Net loans and leases to deposits | 96.1912% | 947 |
| Net loans and leases to core deposits | 99.3314% | 1,548 |
| Total domestic deposits to total assets | 81.7656% | 4,369 |
| Equity capital to assets | 12.9704% | 1,421 |
| Core capital (leverage) ratio | 9.1685% | 4,731 |
| Tier 1 risk-based capital ratio | 9.5937% | 6,188 |
| Total risk-based capital ratio | 10.3435% | 6,224 |
| Memoranda: | ||
| Average total assets | $344,741,670 | 1,920 |
| Average earning assets | $301,177,330 | 2,040 |
| Average equity | $44,802,000 | 1,666 |
| Average total loans | $272,045,330 | 1,619 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,169 |
| Cost of funding earning assets | 0.1677% | 5,793 |
| Net interest margin | 3.8503% | 2,064 |
| Noninterest income to average assets | 0.8902% | 1,420 |
| Noninterest expense to average assets | 2.6858% | 3,640 |
| Loan and lease loss provision to assets | 0.4649% | 229 |
| Net operating income to assets | 0.7673% | 3,443 |
| Return on assets (ROA) | 0.7949% | 3,419 |
| Pretax return on assets | 1.1401% | 2,905 |
| Return on Equity (ROE) | 6.1108% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.1108% | 2,428 |
| Net charge-offs to loans | 0.0221% | 2,706 |
| Credit loss provision to net charge-offs | 2,666.6667% | 150 |
| Earnings coverage of net charge-offs (x) | 89.8000% | 530 |
| Efficiency ratio | 60.9349% | 4,976 |
| Assets per employee ($millions) | 5.3773% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 5,561 |
| Loan loss allowance to noncurrent loans | 44.3573% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.6987% | 1,477 |
| Noncurrent loans to loans | 1.9238% | 1,390 |
| Net loans and leases to total assets | 78.2905% | 880 |
| Net loans and leases to deposits | 94.8284% | 909 |
| Net loans and leases to core deposits | 97.1651% | 1,542 |
| Total domestic deposits to total assets | 82.5602% | 4,319 |
| Equity capital to assets | 13.1306% | 1,334 |
| Core capital (leverage) ratio | 9.2071% | 4,700 |
| Tier 1 risk-based capital ratio | 9.8922% | 6,195 |
| Total risk-based capital ratio | 10.6572% | 6,266 |
| Memoranda: | ||
| Average total assets | $344,183,500 | 1,934 |
| Average earning assets | $300,448,000 | 2,050 |
| Average equity | $44,773,500 | 1,670 |
| Average total loans | $270,888,000 | 1,622 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 3,876 |
| Cost of funding earning assets | 0.1624% | 6,029 |
| Net interest margin | 3.7972% | 2,631 |
| Noninterest income to average assets | 0.7017% | 2,295 |
| Noninterest expense to average assets | 2.5952% | 4,239 |
| Loan and lease loss provision to assets | 0.5723% | 249 |
| Net operating income to assets | 0.6039% | 4,344 |
| Return on assets (ROA) | 0.5999% | 4,464 |
| Pretax return on assets | 0.8296% | 4,142 |
| Return on Equity (ROE) | 4.6193% | 4,835 |
| Retained earnings to average equity (ytd only) | 1.4938% | 5,094 |
| Net charge-offs to loans | 0.0983% | 3,102 |
| Credit loss provision to net charge-offs | 780.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 19.1840% | 1,797 |
| Efficiency ratio | 62.3066% | 4,863 |
| Assets per employee ($millions) | 5.0621% | 2,242 |
| Cash dividends to net income (ytd only)* | 67.6614% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 5,959 |
| Loan loss allowance to noncurrent loans | 42.1351% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5380% | 1,770 |
| Noncurrent loans to loans | 1.6998% | 1,720 |
| Net loans and leases to total assets | 77.8829% | 1,016 |
| Net loans and leases to deposits | 94.9748% | 996 |
| Net loans and leases to core deposits | 96.9893% | 1,634 |
| Total domestic deposits to total assets | 82.0038% | 4,422 |
| Equity capital to assets | 12.8867% | 1,421 |
| Core capital (leverage) ratio | 8.5595% | 5,486 |
| Tier 1 risk-based capital ratio | 9.5578% | 6,343 |
| Total risk-based capital ratio | 10.2330% | 6,399 |
| Memoranda: | ||
| Average total assets | $340,750,200 | 1,908 |
| Average earning assets | $296,220,800 | 2,022 |
| Average equity | $44,249,600 | 1,631 |
| Average total loans | $254,217,400 | 1,665 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 4,012 |
| Cost of funding earning assets | 0.1608% | 6,118 |
| Net interest margin | 3.7784% | 2,696 |
| Noninterest income to average assets | 0.5904% | 2,932 |
| Noninterest expense to average assets | 2.6412% | 4,044 |
| Loan and lease loss provision to assets | 0.2530% | 848 |
| Net operating income to assets | 0.7021% | 3,930 |
| Return on assets (ROA) | 0.6939% | 4,060 |
| Pretax return on assets | 0.9662% | 3,731 |
| Return on Equity (ROE) | 5.3335% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.5537% | 4,767 |
| Net charge-offs to loans | 0.0053% | 4,511 |
| Credit loss provision to net charge-offs | 6,450.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 313.7704% | 223 |
| Efficiency ratio | 65.5623% | 4,286 |
| Assets per employee ($millions) | 4.8170% | 2,496 |
| Cash dividends to net income (ytd only)* | 52.1197% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3348% | 6,451 |
| Loan loss allowance to noncurrent loans | 28.7748% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 2,909 |
| Noncurrent loans to loans | 1.1635% | 2,735 |
| Net loans and leases to total assets | 76.7190% | 1,140 |
| Net loans and leases to deposits | 92.0349% | 1,228 |
| Net loans and leases to core deposits | 93.3093% | 1,930 |
| Total domestic deposits to total assets | 83.3586% | 4,011 |
| Equity capital to assets | 13.2184% | 1,321 |
| Core capital (leverage) ratio | 9.0478% | 5,005 |
| Tier 1 risk-based capital ratio | 10.2766% | 6,274 |
| Total risk-based capital ratio | 10.5967% | 6,434 |
| Memoranda: | ||
| Average total assets | $339,882,000 | 1,922 |
| Average earning assets | $295,178,750 | 2,039 |
| Average equity | $44,222,250 | 1,637 |
| Average total loans | $250,265,500 | 1,698 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 4,309 |
| Cost of funding earning assets | 0.1589% | 6,205 |
| Net interest margin | 3.6968% | 2,977 |
| Noninterest income to average assets | 0.5963% | 2,834 |
| Noninterest expense to average assets | 2.6422% | 4,089 |
| Loan and lease loss provision to assets | 0.2553% | 850 |
| Net operating income to assets | 0.6553% | 4,066 |
| Return on assets (ROA) | 0.6409% | 4,251 |
| Pretax return on assets | 0.8874% | 3,930 |
| Return on Equity (ROE) | 4.9517% | 4,694 |
| Retained earnings to average equity (ytd only) | 2.8613% | 4,384 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,252 |
| Assets per employee ($millions) | 4.7888% | 2,488 |
| Cash dividends to net income (ytd only)* | 42.2161% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2625% | 6,549 |
| Loan loss allowance to noncurrent loans | 25.7110% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 3,427 |
| Noncurrent loans to loans | 1.0210% | 3,193 |
| Net loans and leases to total assets | 75.8278% | 1,194 |
| Net loans and leases to deposits | 89.3292% | 1,436 |
| Net loans and leases to core deposits | 90.8914% | 2,043 |
| Total domestic deposits to total assets | 84.8859% | 3,570 |
| Equity capital to assets | 13.2535% | 1,245 |
| Core capital (leverage) ratio | 8.8609% | 5,219 |
| Tier 1 risk-based capital ratio | 10.4544% | 6,264 |
| Total risk-based capital ratio | 10.7105% | 6,485 |
| Memoranda: | ||
| Average total assets | $340,779,670 | 1,912 |
| Average earning assets | $295,771,330 | 2,033 |
| Average equity | $44,106,000 | 1,620 |
| Average total loans | $247,168,330 | 1,713 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 4,676 |
| Cost of funding earning assets | 0.1574% | 6,313 |
| Net interest margin | 3.5912% | 3,288 |
| Noninterest income to average assets | 0.6194% | 2,619 |
| Noninterest expense to average assets | 2.5195% | 4,554 |
| Loan and lease loss provision to assets | 0.3318% | 542 |
| Net operating income to assets | 0.6526% | 3,942 |
| Return on assets (ROA) | 0.6229% | 4,163 |
| Pretax return on assets | 0.8359% | 3,955 |
| Return on Equity (ROE) | 4.8697% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.8697% | 3,190 |
| Net charge-offs to loans | 0.0049% | 3,564 |
| Credit loss provision to net charge-offs | 9,500.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 345.6667% | 139 |
| Efficiency ratio | 64.7610% | 4,734 |
| Assets per employee ($millions) | 4.5437% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2111% | 6,636 |
| Loan loss allowance to noncurrent loans | 42.1569% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 4,973 |
| Noncurrent loans to loans | 0.5008% | 4,662 |
| Net loans and leases to total assets | 71.5674% | 1,639 |
| Net loans and leases to deposits | 85.4197% | 1,675 |
| Net loans and leases to core deposits | 86.8280% | 2,218 |
| Total domestic deposits to total assets | 83.7833% | 4,351 |
| Equity capital to assets | 12.9777% | 1,316 |
| Core capital (leverage) ratio | 8.8701% | 5,172 |
| Tier 1 risk-based capital ratio | 10.9838% | 6,162 |
| Total risk-based capital ratio | 11.1954% | 6,465 |
| Memoranda: | ||
| Average total assets | $343,561,500 | 1,909 |
| Average earning assets | $297,278,500 | 2,028 |
| Average equity | $43,945,000 | 1,614 |
| Average total loans | $243,324,500 | 1,736 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4511% | 6,630 |
| Cost of funding earning assets | 0.0970% | 6,680 |
| Net interest margin | 2.3540% | 6,481 |
| Noninterest income to average assets | 0.4309% | 4,225 |
| Noninterest expense to average assets | 1.8709% | 6,224 |
| Loan and lease loss provision to assets | 0.1067% | 3,014 |
| Net operating income to assets | 0.3688% | 5,266 |
| Return on assets (ROA) | 0.3492% | 5,448 |
| Pretax return on assets | 0.4971% | 5,212 |
| Return on Equity (ROE) | 3.0601% | 5,480 |
| Retained earnings to average equity (ytd only) | 3.0601% | 4,049 |
| Net charge-offs to loans | 0.0467% | 4,571 |
| Credit loss provision to net charge-offs | 301.7241% | 756 |
| Earnings coverage of net charge-offs (x) | 17.8621% | 1,693 |
| Efficiency ratio | 72.1579% | 3,447 |
| Assets per employee ($millions) | 4.6179% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0966% | 6,730 |
| Loan loss allowance to noncurrent loans | 18.8558% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 4,845 |
| Noncurrent loans to loans | 0.5123% | 4,711 |
| Net loans and leases to total assets | 69.8763% | 2,032 |
| Net loans and leases to deposits | 81.8801% | 2,192 |
| Net loans and leases to core deposits | 83.4162% | 2,732 |
| Total domestic deposits to total assets | 85.3398% | 3,579 |
| Equity capital to assets | 12.6074% | 1,461 |
| Core capital (leverage) ratio | 8.7180% | 5,398 |
| Tier 1 risk-based capital ratio | 10.8408% | 6,248 |
| Total risk-based capital ratio | 10.9442% | 6,557 |
| Memoranda: | ||
| Average total assets | $327,925,000 | 1,967 |
| Average earning assets | $288,609,200 | 2,055 |
| Average equity | $37,417,000 | 1,853 |
| Average total loans | $248,175,600 | 1,670 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9280% | 6,803 |
| Cost of funding earning assets | 0.0731% | 6,811 |
| Net interest margin | 1.8549% | 6,756 |
| Noninterest income to average assets | 0.2326% | 5,771 |
| Noninterest expense to average assets | 1.4829% | 6,650 |
| Loan and lease loss provision to assets | 0.0825% | 3,416 |
| Net operating income to assets | 0.2194% | 5,867 |
| Return on assets (ROA) | 0.2194% | 5,946 |
| Pretax return on assets | 0.3093% | 5,853 |
| Return on Equity (ROE) | 1.9783% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.9783% | 5,143 |
| Net charge-offs to loans | -0.0246% | 6,112 |
| Credit loss provision to net charge-offs | -434.7826% | 6,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4188% | 2,666 |
| Assets per employee ($millions) | 4.2973% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0977% | 6,814 |
| Loan loss allowance to noncurrent loans | 27.1823% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 5,235 |
| Noncurrent loans to loans | 0.3595% | 5,311 |
| Net loans and leases to total assets | 75.0330% | 1,132 |
| Net loans and leases to deposits | 88.1994% | 1,345 |
| Net loans and leases to core deposits | 89.7652% | 1,993 |
| Total domestic deposits to total assets | 85.0721% | 3,710 |
| Equity capital to assets | 12.8437% | 1,397 |
| Core capital (leverage) ratio | 8.5285% | 5,743 |
| Tier 1 risk-based capital ratio | 10.5060% | 6,448 |
| Total risk-based capital ratio | 10.6135% | 6,677 |
| Memoranda: | ||
| Average total assets | $323,320,000 | 1,998 |
| Average earning assets | $286,223,750 | 2,088 |
| Average equity | $35,855,000 | 1,937 |
| Average total loans | $249,657,750 | 1,665 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7649% | 6,913 |
| Cost of funding earning assets | 0.0260% | 6,900 |
| Net interest margin | 0.7389% | 6,908 |
| Noninterest income to average assets | 0.0827% | 6,576 |
| Noninterest expense to average assets | 0.4352% | 6,919 |
| Loan and lease loss provision to assets | 0.0313% | 4,302 |
| Net operating income to assets | 0.1872% | 5,940 |
| Return on assets (ROA) | 0.1872% | 6,055 |
| Pretax return on assets | 0.2749% | 5,944 |
| Return on Equity (ROE) | 1.7874% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.7874% | 5,119 |
| Net charge-offs to loans | -0.0112% | 5,797 |
| Credit loss provision to net charge-offs | -357.1429% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1655% | 5,947 |
| Assets per employee ($millions) | 4.2229% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0252% | 6,875 |
| Loan loss allowance to noncurrent loans | 8.3117% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 5,412 |
| Noncurrent loans to loans | 0.3030% | 5,549 |
| Net loans and leases to total assets | 77.1298% | 850 |
| Net loans and leases to deposits | 90.7778% | 1,074 |
| Net loans and leases to core deposits | 92.4250% | 1,665 |
| Total domestic deposits to total assets | 84.9655% | 3,904 |
| Equity capital to assets | 13.0077% | 1,340 |
| Core capital (leverage) ratio | 8.4865% | 5,687 |
| Tier 1 risk-based capital ratio | 9.9871% | 6,636 |
| Total risk-based capital ratio | 10.0228% | 6,774 |
| Memoranda: | ||
| Average total assets | $319,363,000 | 2,024 |
| Average earning assets | $284,728,670 | 2,097 |
| Average equity | $33,456,330 | 2,082 |
| Average total loans | $248,960,330 | 1,664 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 3,169 |
| Cost of funding earning assets | 0.4046% | 5,061 |
| Net interest margin | 3.8291% | 2,349 |
| Noninterest income to average assets | 0.5815% | 3,243 |
| Noninterest expense to average assets | 2.9661% | 3,092 |
| Loan and lease loss provision to assets | 0.2430% | 1,485 |
| Net operating income to assets | 0.5968% | 4,231 |
| Return on assets (ROA) | 0.5968% | 4,380 |
| Pretax return on assets | 0.8284% | 4,047 |
| Return on Equity (ROE) | 6.5226% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.1180% | 3,160 |
| Net charge-offs to loans | 0.1607% | 2,441 |
| Credit loss provision to net charge-offs | 192.9293% | 1,123 |
| Earnings coverage of net charge-offs (x) | 8.5051% | 1,939 |
| Efficiency ratio | 73.4636% | 3,357 |
| Assets per employee ($millions) | 3.9198% | 4,118 |
| Cash dividends to net income (ytd only)* | 21.5352% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 4,851 |
| Loan loss allowance to noncurrent loans | 125.2782% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8664% | 4,217 |
| Noncurrent loans to loans | 1.0131% | 4,105 |
| Net loans and leases to total assets | 79.1838% | 504 |
| Net loans and leases to deposits | 89.9758% | 967 |
| Net loans and leases to core deposits | 91.6345% | 1,540 |
| Total domestic deposits to total assets | 88.0056% | 2,307 |
| Equity capital to assets | 9.3402% | 5,077 |
| Core capital (leverage) ratio | 9.2165% | 4,543 |
| Tier 1 risk-based capital ratio | 10.9193% | 6,441 |
| Total risk-based capital ratio | 12.1356% | 6,425 |
| Memoranda: | ||
| Average total assets | $314,350,000 | 2,085 |
| Average earning assets | $283,720,500 | 2,127 |
| Average equity | $28,761,500 | 2,402 |
| Average total loans | $246,380,000 | 1,689 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 3,312 |
| Cost of funding earning assets | 0.5532% | 4,788 |
| Net interest margin | 3.9682% | 2,534 |
| Noninterest income to average assets | 0.6336% | 3,087 |
| Noninterest expense to average assets | 2.7642% | 4,168 |
| Loan and lease loss provision to assets | 0.2319% | 2,815 |
| Net operating income to assets | 0.8568% | 3,012 |
| Return on assets (ROA) | 0.8570% | 3,258 |
| Pretax return on assets | 1.2017% | 2,804 |
| Return on Equity (ROE) | 9.5081% | 2,403 |
| Retained earnings to average equity (ytd only) | 7.6827% | 1,247 |
| Net charge-offs to loans | 0.2589% | 3,389 |
| Credit loss provision to net charge-offs | 114.7436% | 2,529 |
| Earnings coverage of net charge-offs (x) | 7.0913% | 2,680 |
| Efficiency ratio | 65.8538% | 4,532 |
| Assets per employee ($millions) | 4.0385% | 3,873 |
| Cash dividends to net income (ytd only)* | 19.1988% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 4,860 |
| Loan loss allowance to noncurrent loans | 147.8975% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 4,778 |
| Noncurrent loans to loans | 0.8465% | 4,496 |
| Net loans and leases to total assets | 75.6480% | 971 |
| Net loans and leases to deposits | 85.1537% | 1,620 |
| Net loans and leases to core deposits | 86.6580% | 2,236 |
| Total domestic deposits to total assets | 88.8371% | 1,681 |
| Equity capital to assets | 8.9644% | 5,562 |
| Core capital (leverage) ratio | 9.0093% | 4,882 |
| Tier 1 risk-based capital ratio | 11.0484% | 6,331 |
| Total risk-based capital ratio | 12.2572% | 6,310 |
| Memoranda: | ||
| Average total assets | $308,734,200 | 2,087 |
| Average earning assets | $277,277,400 | 2,118 |
| Average equity | $27,828,800 | 2,412 |
| Average total loans | $241,058,400 | 1,711 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 3,276 |
| Cost of funding earning assets | 0.5740% | 4,878 |
| Net interest margin | 4.0085% | 2,470 |
| Noninterest income to average assets | 0.6245% | 3,133 |
| Noninterest expense to average assets | 2.8203% | 3,916 |
| Loan and lease loss provision to assets | 0.1912% | 3,196 |
| Net operating income to assets | 0.8633% | 3,165 |
| Return on assets (ROA) | 0.8636% | 3,404 |
| Pretax return on assets | 1.2081% | 2,967 |
| Return on Equity (ROE) | 9.5670% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.1003% | 1,578 |
| Net charge-offs to loans | 0.1826% | 3,656 |
| Credit loss provision to net charge-offs | 133.4347% | 2,161 |
| Earnings coverage of net charge-offs (x) | 9.7628% | 2,275 |
| Efficiency ratio | 66.8456% | 4,280 |
| Assets per employee ($millions) | 4.0909% | 3,697 |
| Cash dividends to net income (ytd only)* | 15.3302% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 5,078 |
| Loan loss allowance to noncurrent loans | 149.3450% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 4,962 |
| Noncurrent loans to loans | 0.8327% | 4,749 |
| Net loans and leases to total assets | 78.6211% | 663 |
| Net loans and leases to deposits | 89.5315% | 1,203 |
| Net loans and leases to core deposits | 91.4210% | 1,835 |
| Total domestic deposits to total assets | 87.8140% | 2,164 |
| Equity capital to assets | 9.1761% | 5,619 |
| Core capital (leverage) ratio | 9.1689% | 4,806 |
| Tier 1 risk-based capital ratio | 10.9769% | 6,487 |
| Total risk-based capital ratio | 12.1918% | 6,480 |
| Memoranda: | ||
| Average total assets | $306,158,250 | 2,121 |
| Average earning assets | $274,540,750 | 2,162 |
| Average equity | $27,636,000 | 2,447 |
| Average total loans | $240,221,500 | 1,727 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 3,524 |
| Cost of funding earning assets | 0.5882% | 5,002 |
| Net interest margin | 3.9730% | 2,622 |
| Noninterest income to average assets | 0.6081% | 3,208 |
| Noninterest expense to average assets | 2.8387% | 3,870 |
| Loan and lease loss provision to assets | 0.1970% | 3,116 |
| Net operating income to assets | 0.8151% | 3,328 |
| Return on assets (ROA) | 0.8156% | 3,582 |
| Pretax return on assets | 1.1347% | 3,169 |
| Return on Equity (ROE) | 9.0861% | 2,782 |
| Retained earnings to average equity (ytd only) | 7.6010% | 1,814 |
| Net charge-offs to loans | 0.0639% | 4,539 |
| Credit loss provision to net charge-offs | 394.7368% | 747 |
| Earnings coverage of net charge-offs (x) | 26.6711% | 1,154 |
| Efficiency ratio | 68.0787% | 4,103 |
| Assets per employee ($millions) | 3.7809% | 4,366 |
| Cash dividends to net income (ytd only)* | 16.3446% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 4,981 |
| Loan loss allowance to noncurrent loans | 260.5714% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 5,781 |
| Noncurrent loans to loans | 0.4914% | 5,550 |
| Net loans and leases to total assets | 80.3637% | 468 |
| Net loans and leases to deposits | 91.6337% | 989 |
| Net loans and leases to core deposits | 93.5931% | 1,648 |
| Total domestic deposits to total assets | 87.7011% | 2,334 |
| Equity capital to assets | 9.1035% | 5,576 |
| Core capital (leverage) ratio | 9.1258% | 4,726 |
| Tier 1 risk-based capital ratio | 10.6394% | 6,647 |
| Total risk-based capital ratio | 11.8840% | 6,636 |
| Memoranda: | ||
| Average total assets | $304,576,000 | 2,130 |
| Average earning assets | $273,044,670 | 2,172 |
| Average equity | $27,338,330 | 2,460 |
| Average total loans | $237,790,330 | 1,734 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 3,835 |
| Cost of funding earning assets | 0.6102% | 5,050 |
| Net interest margin | 3.9111% | 2,876 |
| Noninterest income to average assets | 0.6097% | 3,164 |
| Noninterest expense to average assets | 2.8670% | 3,758 |
| Loan and lease loss provision to assets | 0.1923% | 3,025 |
| Net operating income to assets | 0.7589% | 3,578 |
| Return on assets (ROA) | 0.7599% | 3,812 |
| Pretax return on assets | 1.0549% | 3,485 |
| Return on Equity (ROE) | 8.5268% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.0195% | 2,431 |
| Net charge-offs to loans | 0.0086% | 4,609 |
| Credit loss provision to net charge-offs | 2,920.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 189.2000% | 190 |
| Efficiency ratio | 69.7086% | 3,866 |
| Assets per employee ($millions) | 3.8830% | 4,232 |
| Cash dividends to net income (ytd only)* | 17.6776% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,947 |
| Loan loss allowance to noncurrent loans | 211.0659% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 5,636 |
| Noncurrent loans to loans | 0.6236% | 5,402 |
| Net loans and leases to total assets | 75.9853% | 798 |
| Net loans and leases to deposits | 87.2722% | 1,254 |
| Net loans and leases to core deposits | 89.0530% | 1,944 |
| Total domestic deposits to total assets | 87.0670% | 2,924 |
| Equity capital to assets | 8.8940% | 5,644 |
| Core capital (leverage) ratio | 8.9821% | 4,868 |
| Tier 1 risk-based capital ratio | 10.9931% | 6,541 |
| Total risk-based capital ratio | 12.2437% | 6,530 |
| Memoranda: | ||
| Average total assets | $303,736,500 | 2,142 |
| Average earning assets | $272,047,000 | 2,186 |
| Average equity | $27,067,500 | 2,473 |
| Average total loans | $232,030,500 | 1,776 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 3,905 |
| Cost of funding earning assets | 0.7264% | 5,363 |
| Net interest margin | 4.0531% | 2,625 |
| Noninterest income to average assets | 0.6420% | 2,935 |
| Noninterest expense to average assets | 2.9314% | 3,841 |
| Loan and lease loss provision to assets | 0.2969% | 3,290 |
| Net operating income to assets | 0.7562% | 3,235 |
| Return on assets (ROA) | 0.7565% | 3,396 |
| Pretax return on assets | 1.0411% | 3,073 |
| Return on Equity (ROE) | 8.3000% | 2,764 |
| Retained earnings to average equity (ytd only) | 6.3527% | 1,830 |
| Net charge-offs to loans | 0.1477% | 4,963 |
| Credit loss provision to net charge-offs | 265.8307% | 906 |
| Earnings coverage of net charge-offs (x) | 11.9781% | 1,663 |
| Efficiency ratio | 68.6675% | 4,215 |
| Assets per employee ($millions) | 3.7125% | 4,529 |
| Cash dividends to net income (ytd only)* | 23.4614% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 4,893 |
| Loan loss allowance to noncurrent loans | 224.8485% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 5,831 |
| Noncurrent loans to loans | 0.5793% | 5,550 |
| Net loans and leases to total assets | 74.7861% | 1,130 |
| Net loans and leases to deposits | 85.3604% | 1,753 |
| Net loans and leases to core deposits | 87.1202% | 2,487 |
| Total domestic deposits to total assets | 87.6122% | 2,394 |
| Equity capital to assets | 8.9294% | 5,638 |
| Core capital (leverage) ratio | 8.9077% | 4,923 |
| Tier 1 risk-based capital ratio | 11.2379% | 6,324 |
| Total risk-based capital ratio | 12.4883% | 6,300 |
| Memoranda: | ||
| Average total assets | $285,660,800 | 2,230 |
| Average earning assets | $255,629,600 | 2,266 |
| Average equity | $26,036,000 | 2,480 |
| Average total loans | $215,936,000 | 1,904 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 3,966 |
| Cost of funding earning assets | 0.7542% | 5,441 |
| Net interest margin | 4.0592% | 2,649 |
| Noninterest income to average assets | 0.6414% | 2,935 |
| Noninterest expense to average assets | 2.9376% | 3,787 |
| Loan and lease loss provision to assets | 0.1987% | 4,040 |
| Net operating income to assets | 0.8140% | 3,085 |
| Return on assets (ROA) | 0.8140% | 3,252 |
| Pretax return on assets | 1.1299% | 2,896 |
| Return on Equity (ROE) | 8.8828% | 2,657 |
| Retained earnings to average equity (ytd only) | 7.3138% | 1,806 |
| Net charge-offs to loans | 0.1146% | 4,873 |
| Credit loss provision to net charge-offs | 229.5082% | 1,243 |
| Earnings coverage of net charge-offs (x) | 15.3500% | 1,472 |
| Efficiency ratio | 68.8581% | 4,147 |
| Assets per employee ($millions) | 3.5988% | 4,764 |
| Cash dividends to net income (ytd only)* | 17.6640% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 5,432 |
| Loan loss allowance to noncurrent loans | 304.4369% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 6,185 |
| Noncurrent loans to loans | 0.3965% | 6,061 |
| Net loans and leases to total assets | 76.0661% | 969 |
| Net loans and leases to deposits | 87.2482% | 1,526 |
| Net loans and leases to core deposits | 89.0399% | 2,351 |
| Total domestic deposits to total assets | 87.1837% | 2,536 |
| Equity capital to assets | 9.2506% | 5,451 |
| Core capital (leverage) ratio | 9.1508% | 4,710 |
| Tier 1 risk-based capital ratio | 11.4802% | 6,251 |
| Total risk-based capital ratio | 12.6621% | 6,291 |
| Memoranda: | ||
| Average total assets | $281,897,250 | 2,258 |
| Average earning assets | $251,734,500 | 2,301 |
| Average equity | $25,832,000 | 2,499 |
| Average total loans | $212,954,750 | 1,947 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 4,141 |
| Cost of funding earning assets | 0.7715% | 5,555 |
| Net interest margin | 4.0169% | 2,762 |
| Noninterest income to average assets | 0.6367% | 2,914 |
| Noninterest expense to average assets | 2.9218% | 3,936 |
| Loan and lease loss provision to assets | 0.2144% | 3,772 |
| Net operating income to assets | 0.7853% | 3,136 |
| Return on assets (ROA) | 0.7853% | 3,264 |
| Pretax return on assets | 1.0833% | 2,919 |
| Return on Equity (ROE) | 8.5977% | 2,680 |
| Retained earnings to average equity (ytd only) | 7.0096% | 1,874 |
| Net charge-offs to loans | 0.1095% | 4,600 |
| Credit loss provision to net charge-offs | 260.8696% | 1,167 |
| Earnings coverage of net charge-offs (x) | 15.7913% | 1,384 |
| Efficiency ratio | 69.2464% | 4,278 |
| Assets per employee ($millions) | 3.3879% | 5,233 |
| Cash dividends to net income (ytd only)* | 18.4713% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 5,522 |
| Loan loss allowance to noncurrent loans | 323.9506% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 6,299 |
| Noncurrent loans to loans | 0.3717% | 6,161 |
| Net loans and leases to total assets | 76.5571% | 992 |
| Net loans and leases to deposits | 87.8271% | 1,527 |
| Net loans and leases to core deposits | 89.7012% | 2,415 |
| Total domestic deposits to total assets | 87.1679% | 2,647 |
| Equity capital to assets | 9.2609% | 5,191 |
| Core capital (leverage) ratio | 9.5081% | 3,946 |
| Tier 1 risk-based capital ratio | 11.4646% | 6,190 |
| Total risk-based capital ratio | 12.6323% | 6,248 |
| Memoranda: | ||
| Average total assets | $279,894,330 | 2,294 |
| Average earning assets | $249,647,000 | 2,333 |
| Average equity | $25,565,000 | 2,504 |
| Average total loans | $210,048,000 | 1,996 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 4,141 |
| Cost of funding earning assets | 0.8045% | 5,557 |
| Net interest margin | 3.9775% | 2,785 |
| Noninterest income to average assets | 0.6460% | 2,870 |
| Noninterest expense to average assets | 2.9236% | 3,972 |
| Loan and lease loss provision to assets | 0.2149% | 3,500 |
| Net operating income to assets | 0.7621% | 3,207 |
| Return on assets (ROA) | 0.7621% | 3,275 |
| Pretax return on assets | 1.0485% | 2,953 |
| Return on Equity (ROE) | 8.4021% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.7912% | 2,239 |
| Net charge-offs to loans | 0.0233% | 4,757 |
| Credit loss provision to net charge-offs | 1,250.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 421 |
| Efficiency ratio | 69.8255% | 4,312 |
| Assets per employee ($millions) | 3.7592% | 4,396 |
| Cash dividends to net income (ytd only)* | 19.1729% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 5,417 |
| Loan loss allowance to noncurrent loans | 381.7778% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 6,476 |
| Noncurrent loans to loans | 0.3265% | 6,338 |
| Net loans and leases to total assets | 73.3882% | 1,441 |
| Net loans and leases to deposits | 84.4972% | 1,950 |
| Net loans and leases to core deposits | 86.0290% | 2,869 |
| Total domestic deposits to total assets | 86.8528% | 3,021 |
| Equity capital to assets | 9.1897% | 4,885 |
| Core capital (leverage) ratio | 9.2830% | 4,145 |
| Tier 1 risk-based capital ratio | 11.7314% | 5,912 |
| Total risk-based capital ratio | 12.9265% | 5,949 |
| Memoranda: | ||
| Average total assets | $279,244,500 | 2,310 |
| Average earning assets | $248,600,500 | 2,361 |
| Average equity | $25,327,000 | 2,511 |
| Average total loans | $206,123,000 | 2,040 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 4,084 |
| Cost of funding earning assets | 0.9794% | 5,784 |
| Net interest margin | 4.1243% | 2,465 |
| Noninterest income to average assets | 0.6846% | 2,939 |
| Noninterest expense to average assets | 2.8234% | 4,505 |
| Loan and lease loss provision to assets | 0.2491% | 4,807 |
| Net operating income to assets | 0.9293% | 2,280 |
| Return on assets (ROA) | 0.9397% | 2,368 |
| Pretax return on assets | 1.3084% | 1,908 |
| Return on Equity (ROE) | 10.5270% | 1,747 |
| Retained earnings to average equity (ytd only) | 8.4307% | 860 |
| Net charge-offs to loans | 0.1681% | 5,324 |
| Credit loss provision to net charge-offs | 195.6522% | 1,620 |
| Earnings coverage of net charge-offs (x) | 12.1188% | 1,543 |
| Efficiency ratio | 64.6606% | 5,232 |
| Assets per employee ($millions) | 3.8398% | 4,148 |
| Cash dividends to net income (ytd only)* | 19.9136% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 5,581 |
| Loan loss allowance to noncurrent loans | 475.4386% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,666 |
| Noncurrent loans to loans | 0.2496% | 6,566 |
| Net loans and leases to total assets | 72.4482% | 1,997 |
| Net loans and leases to deposits | 83.3291% | 2,563 |
| Net loans and leases to core deposits | 85.2234% | 3,435 |
| Total domestic deposits to total assets | 86.9422% | 2,857 |
| Equity capital to assets | 8.9509% | 5,211 |
| Core capital (leverage) ratio | 9.3761% | 3,888 |
| Tier 1 risk-based capital ratio | 11.5772% | 5,846 |
| Total risk-based capital ratio | 12.7127% | 5,939 |
| Memoranda: | ||
| Average total assets | $270,951,400 | 2,354 |
| Average earning assets | $241,883,800 | 2,409 |
| Average equity | $24,185,400 | 2,641 |
| Average total loans | $205,292,800 | 2,110 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 4,194 |
| Cost of funding earning assets | 1.0168% | 5,861 |
| Net interest margin | 4.1083% | 2,593 |
| Noninterest income to average assets | 0.6721% | 3,002 |
| Noninterest expense to average assets | 2.8427% | 4,306 |
| Loan and lease loss provision to assets | 0.2507% | 4,583 |
| Net operating income to assets | 0.9000% | 2,607 |
| Return on assets (ROA) | 0.9128% | 2,709 |
| Pretax return on assets | 1.2687% | 2,262 |
| Return on Equity (ROE) | 10.2338% | 2,035 |
| Retained earnings to average equity (ytd only) | 8.5421% | 1,225 |
| Net charge-offs to loans | 0.1468% | 5,131 |
| Credit loss provision to net charge-offs | 223.4513% | 1,550 |
| Earnings coverage of net charge-offs (x) | 13.3848% | 1,582 |
| Efficiency ratio | 65.4365% | 4,968 |
| Assets per employee ($millions) | 3.6076% | 4,710 |
| Cash dividends to net income (ytd only)* | 16.5306% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,897 |
| Loan loss allowance to noncurrent loans | 704.4248% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 7,035 |
| Noncurrent loans to loans | 0.1577% | 6,863 |
| Net loans and leases to total assets | 80.7418% | 643 |
| Net loans and leases to deposits | 95.9146% | 987 |
| Net loans and leases to core deposits | 97.9167% | 2,054 |
| Total domestic deposits to total assets | 84.1809% | 4,015 |
| Equity capital to assets | 9.4254% | 4,953 |
| Core capital (leverage) ratio | 9.1251% | 4,491 |
| Tier 1 risk-based capital ratio | 11.2358% | 6,152 |
| Total risk-based capital ratio | 12.3371% | 6,292 |
| Memoranda: | ||
| Average total assets | $268,612,250 | 2,410 |
| Average earning assets | $240,093,750 | 2,458 |
| Average equity | $23,959,250 | 2,700 |
| Average total loans | $205,236,750 | 2,140 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 4,558 |
| Cost of funding earning assets | 1.0647% | 5,847 |
| Net interest margin | 4.0151% | 2,946 |
| Noninterest income to average assets | 0.6709% | 2,884 |
| Noninterest expense to average assets | 2.8162% | 4,416 |
| Loan and lease loss provision to assets | 0.2441% | 4,480 |
| Net operating income to assets | 0.8478% | 2,741 |
| Return on assets (ROA) | 0.8670% | 2,804 |
| Pretax return on assets | 1.1969% | 2,427 |
| Return on Equity (ROE) | 9.9021% | 2,134 |
| Retained earnings to average equity (ytd only) | 8.1870% | 1,381 |
| Net charge-offs to loans | 0.2287% | 4,226 |
| Credit loss provision to net charge-offs | 142.8571% | 2,780 |
| Earnings coverage of net charge-offs (x) | 8.2771% | 2,162 |
| Efficiency ratio | 66.5676% | 4,870 |
| Assets per employee ($millions) | 3.8008% | 4,221 |
| Cash dividends to net income (ytd only)* | 17.3208% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 6,036 |
| Loan loss allowance to noncurrent loans | 368.6144% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 6,859 |
| Noncurrent loans to loans | 0.2931% | 6,645 |
| Net loans and leases to total assets | 72.8713% | 2,195 |
| Net loans and leases to deposits | 83.9547% | 2,877 |
| Net loans and leases to core deposits | 89.3274% | 3,364 |
| Total domestic deposits to total assets | 86.7984% | 2,649 |
| Equity capital to assets | 8.7141% | 5,864 |
| Core capital (leverage) ratio | 8.9558% | 4,678 |
| Tier 1 risk-based capital ratio | 11.2472% | 6,002 |
| Total risk-based capital ratio | 12.2907% | 6,189 |
| Memoranda: | ||
| Average total assets | $270,365,330 | 2,418 |
| Average earning assets | $239,694,000 | 2,484 |
| Average equity | $23,671,670 | 2,723 |
| Average total loans | $201,974,330 | 2,195 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 4,083 |
| Cost of funding earning assets | 1.1642% | 5,581 |
| Net interest margin | 4.0254% | 2,768 |
| Noninterest income to average assets | 0.6956% | 2,629 |
| Noninterest expense to average assets | 2.8514% | 4,274 |
| Loan and lease loss provision to assets | 0.2249% | 4,245 |
| Net operating income to assets | 0.8560% | 2,727 |
| Return on assets (ROA) | 0.8560% | 2,815 |
| Pretax return on assets | 1.1753% | 2,456 |
| Return on Equity (ROE) | 9.7530% | 2,189 |
| Retained earnings to average equity (ytd only) | 8.0278% | 1,700 |
| Net charge-offs to loans | 0.0179% | 5,330 |
| Credit loss provision to net charge-offs | 1,666.6667% | 299 |
| Earnings coverage of net charge-offs (x) | 103.7778% | 311 |
| Efficiency ratio | 67.0663% | 4,903 |
| Assets per employee ($millions) | 3.4974% | 5,033 |
| Cash dividends to net income (ytd only)* | 17.6883% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 5,951 |
| Loan loss allowance to noncurrent loans | 222.5519% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 6,520 |
| Noncurrent loans to loans | 0.4996% | 6,298 |
| Net loans and leases to total assets | 75.2820% | 1,686 |
| Net loans and leases to deposits | 86.9048% | 2,422 |
| Net loans and leases to core deposits | 92.7278% | 3,011 |
| Total domestic deposits to total assets | 86.6258% | 2,832 |
| Equity capital to assets | 8.9040% | 5,406 |
| Core capital (leverage) ratio | 8.7399% | 4,954 |
| Tier 1 risk-based capital ratio | 11.1309% | 6,025 |
| Total risk-based capital ratio | 12.2059% | 6,174 |
| Memoranda: | ||
| Average total assets | $266,818,500 | 2,501 |
| Average earning assets | $235,703,000 | 2,581 |
| Average equity | $23,418,500 | 2,776 |
| Average total loans | $200,763,500 | 2,274 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 4,700 |
| Cost of funding earning assets | 1.4649% | 5,662 |
| Net interest margin | 3.9340% | 3,147 |
| Noninterest income to average assets | 0.7679% | 2,570 |
| Noninterest expense to average assets | 2.9908% | 4,181 |
| Loan and lease loss provision to assets | 0.1774% | 5,922 |
| Net operating income to assets | 0.8240% | 2,434 |
| Return on assets (ROA) | 0.8381% | 2,476 |
| Pretax return on assets | 1.1314% | 2,157 |
| Return on Equity (ROE) | 9.1486% | 1,978 |
| Retained earnings to average equity (ytd only) | 7.0135% | 956 |
| Net charge-offs to loans | 0.0354% | 6,770 |
| Credit loss provision to net charge-offs | 651.5152% | 449 |
| Earnings coverage of net charge-offs (x) | 47.3636% | 542 |
| Efficiency ratio | 69.8670% | 4,653 |
| Assets per employee ($millions) | 3.5241% | 4,954 |
| Cash dividends to net income (ytd only)* | 23.3383% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 6,092 |
| Loan loss allowance to noncurrent loans | 528.5714% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 7,102 |
| Noncurrent loans to loans | 0.2003% | 6,924 |
| Net loans and leases to total assets | 73.5778% | 2,367 |
| Net loans and leases to deposits | 86.8305% | 2,772 |
| Net loans and leases to core deposits | 105.1955% | 3,435 |
| Total domestic deposits to total assets | 84.7372% | 3,690 |
| Equity capital to assets | 8.6508% | 5,661 |
| Core capital (leverage) ratio | 9.0850% | 4,279 |
| Tier 1 risk-based capital ratio | 11.0846% | 5,841 |
| Total risk-based capital ratio | 12.1087% | 6,025 |
| Memoranda: | ||
| Average total assets | $242,344,600 | 2,691 |
| Average earning assets | $216,394,000 | 2,749 |
| Average equity | $22,200,200 | 2,925 |
| Average total loans | $186,277,400 | 2,445 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4587% | 4,640 |
| Cost of funding earning assets | 1.5234% | 5,737 |
| Net interest margin | 3.9354% | 3,097 |
| Noninterest income to average assets | 0.7763% | 2,571 |
| Noninterest expense to average assets | 3.0879% | 3,688 |
| Loan and lease loss provision to assets | 0.1582% | 5,768 |
| Net operating income to assets | 0.7854% | 2,879 |
| Return on assets (ROA) | 0.8046% | 2,859 |
| Pretax return on assets | 1.0843% | 2,627 |
| Return on Equity (ROE) | 8.6467% | 2,393 |
| Retained earnings to average equity (ytd only) | 6.7947% | 1,593 |
| Net charge-offs to loans | 0.0408% | 6,332 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 38.4488% | 774 |
| Efficiency ratio | 71.7380% | 4,295 |
| Assets per employee ($millions) | 3.1777% | 5,704 |
| Cash dividends to net income (ytd only)* | 21.4187% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 6,080 |
| Loan loss allowance to noncurrent loans | 698.2270% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 7,259 |
| Noncurrent loans to loans | 0.1484% | 7,105 |
| Net loans and leases to total assets | 77.8446% | 1,603 |
| Net loans and leases to deposits | 93.1330% | 2,037 |
| Net loans and leases to core deposits | 112.2414% | 2,998 |
| Total domestic deposits to total assets | 83.5844% | 3,914 |
| Equity capital to assets | 9.4312% | 4,836 |
| Core capital (leverage) ratio | 9.2479% | 4,266 |
| Tier 1 risk-based capital ratio | 11.6478% | 5,291 |
| Total risk-based capital ratio | 12.6721% | 5,448 |
| Memoranda: | ||
| Average total assets | $235,972,000 | 2,770 |
| Average earning assets | $211,545,000 | 2,831 |
| Average equity | $21,957,750 | 2,977 |
| Average total loans | $183,052,750 | 2,502 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4545% | 4,869 |
| Cost of funding earning assets | 1.5431% | 5,962 |
| Net interest margin | 3.9114% | 3,053 |
| Noninterest income to average assets | 0.7722% | 2,573 |
| Noninterest expense to average assets | 3.1675% | 3,441 |
| Loan and lease loss provision to assets | 0.1538% | 5,533 |
| Net operating income to assets | 0.7265% | 3,147 |
| Return on assets (ROA) | 0.7560% | 3,126 |
| Pretax return on assets | 1.0089% | 2,978 |
| Return on Equity (ROE) | 8.1624% | 2,709 |
| Retained earnings to average equity (ytd only) | 6.2902% | 1,889 |
| Net charge-offs to loans | 0.0631% | 5,615 |
| Credit loss provision to net charge-offs | 315.7895% | 1,474 |
| Earnings coverage of net charge-offs (x) | 23.0702% | 1,199 |
| Efficiency ratio | 73.8204% | 4,058 |
| Assets per employee ($millions) | 3.0657% | 5,962 |
| Cash dividends to net income (ytd only)* | 22.9379% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 6,084 |
| Loan loss allowance to noncurrent loans | 849.0909% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 7,349 |
| Noncurrent loans to loans | 0.1200% | 7,215 |
| Net loans and leases to total assets | 76.8679% | 1,976 |
| Net loans and leases to deposits | 94.1601% | 2,066 |
| Net loans and leases to core deposits | 106.4552% | 3,782 |
| Total domestic deposits to total assets | 81.6353% | 4,844 |
| Equity capital to assets | 9.3420% | 4,812 |
| Core capital (leverage) ratio | 9.3837% | 4,051 |
| Tier 1 risk-based capital ratio | 11.8390% | 5,064 |
| Total risk-based capital ratio | 12.8464% | 5,223 |
| Memoranda: | ||
| Average total assets | $234,126,670 | 2,815 |
| Average earning assets | $210,615,670 | 2,860 |
| Average equity | $21,684,670 | 3,012 |
| Average total loans | $180,747,000 | 2,563 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 5,268 |
| Cost of funding earning assets | 1.5857% | 6,084 |
| Net interest margin | 3.8442% | 3,278 |
| Noninterest income to average assets | 0.7394% | 2,659 |
| Noninterest expense to average assets | 3.0915% | 3,407 |
| Loan and lease loss provision to assets | 0.1544% | 4,960 |
| Net operating income to assets | 0.7201% | 3,462 |
| Return on assets (ROA) | 0.7240% | 3,644 |
| Pretax return on assets | 0.9590% | 3,505 |
| Return on Equity (ROE) | 7.8510% | 3,216 |
| Retained earnings to average equity (ytd only) | 5.9533% | 2,649 |
| Net charge-offs to loans | -0.0067% | 7,216 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6111% | 3,896 |
| Assets per employee ($millions) | 2.9894% | 6,187 |
| Cash dividends to net income (ytd only)* | 24.1706% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 6,053 |
| Loan loss allowance to noncurrent loans | 317.9931% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 6,700 |
| Noncurrent loans to loans | 0.3200% | 6,642 |
| Net loans and leases to total assets | 76.6758% | 2,118 |
| Net loans and leases to deposits | 94.6032% | 2,171 |
| Net loans and leases to core deposits | 107.1210% | 3,781 |
| Total domestic deposits to total assets | 81.0499% | 4,950 |
| Equity capital to assets | 9.3464% | 4,868 |
| Core capital (leverage) ratio | 9.3321% | 4,197 |
| Tier 1 risk-based capital ratio | 12.0059% | 4,962 |
| Total risk-based capital ratio | 13.0279% | 5,065 |
| Memoranda: | ||
| Average total assets | $233,159,000 | 2,839 |
| Average earning assets | $209,874,500 | 2,883 |
| Average equity | $21,500,500 | 3,040 |
| Average total loans | $179,458,500 | 2,602 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8634% | 6,220 |
| Cost of funding earning assets | 1.9012% | 6,724 |
| Net interest margin | 3.9621% | 3,301 |
| Noninterest income to average assets | 0.7950% | 2,546 |
| Noninterest expense to average assets | 3.1287% | 3,591 |
| Loan and lease loss provision to assets | 0.1686% | 5,220 |
| Net operating income to assets | 0.8117% | 3,389 |
| Return on assets (ROA) | 0.8201% | 3,188 |
| Pretax return on assets | 1.1153% | 2,974 |
| Return on Equity (ROE) | 8.7109% | 2,750 |
| Retained earnings to average equity (ytd only) | 6.2186% | 1,422 |
| Net charge-offs to loans | 0.0517% | 6,051 |
| Credit loss provision to net charge-offs | 440.4762% | 990 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 1,087 |
| Efficiency ratio | 71.0870% | 4,118 |
| Assets per employee ($millions) | 2.9891% | 6,079 |
| Cash dividends to net income (ytd only)* | 28.6111% | 4,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,217 |
| Loan loss allowance to noncurrent loans | 363.5417% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 6,667 |
| Noncurrent loans to loans | 0.2692% | 6,568 |
| Net loans and leases to total assets | 75.7240% | 2,703 |
| Net loans and leases to deposits | 94.1108% | 2,740 |
| Net loans and leases to core deposits | 106.1062% | 4,187 |
| Total domestic deposits to total assets | 80.4626% | 4,847 |
| Equity capital to assets | 9.0964% | 5,233 |
| Core capital (leverage) ratio | 9.4171% | 4,135 |
| Tier 1 risk-based capital ratio | 11.8874% | 4,909 |
| Total risk-based capital ratio | 12.8626% | 5,030 |
| Memoranda: | ||
| Average total assets | $219,486,600 | 2,880 |
| Average earning assets | $199,765,800 | 2,896 |
| Average equity | $20,663,800 | 3,139 |
| Average total loans | $162,326,400 | 2,743 |