Home > Commonwealth Community Bank, Inc. > Performance and Condition Ratios
Commonwealth Community Bank, Inc., 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 | 2.8726% | 4,540 |
| Cost of funding earning assets | 1.0723% | 3,140 |
| Net interest margin | 1.8003% | 4,458 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.5533% | 2,143 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | -0.2793% | 4,482 |
| Return on assets (ROA) | -0.2793% | 4,464 |
| Pretax return on assets | -0.2793% | 4,448 |
| Return on Equity (ROE) | -3.2100% | 4,445 |
| Retained earnings to average equity (ytd only) | -5.6556% | 4,405 |
| Net charge-offs to loans | 0.0046% | 2,554 |
| Credit loss provision to net charge-offs | 4,000.0000% | 130 |
| Earnings coverage of net charge-offs (x) | -169.5000% | 4,599 |
| Efficiency ratio | 109.7079% | 110 |
| Assets per employee ($millions) | 5.5677% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 1,723 |
| Loan loss allowance to noncurrent loans | 233.0798% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,413 |
| Noncurrent loans to loans | 0.5614% | 1,397 |
| Net loans and leases to total assets | 29.6600% | 4,299 |
| Net loans and leases to deposits | 35.4897% | 4,279 |
| Net loans and leases to core deposits | 38.9168% | 4,300 |
| Total domestic deposits to total assets | 83.5700% | 2,736 |
| Equity capital to assets | 9.6859% | 2,210 |
| Core capital (leverage) ratio | 15.7290% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $150,043,400 | 3,361 |
| Average earning assets | $136,252,800 | 3,380 |
| Average equity | $13,066,800 | 3,419 |
| Average total loans | $43,070,400 | 3,946 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8043% | 4,560 |
| Cost of funding earning assets | 0.8929% | 3,288 |
| Net interest margin | 1.9114% | 4,467 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.4776% | 2,300 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | -0.0942% | 4,473 |
| Return on assets (ROA) | -0.0942% | 4,458 |
| Pretax return on assets | -0.0942% | 4,442 |
| Return on Equity (ROE) | -1.1100% | 4,431 |
| Retained earnings to average equity (ytd only) | -4.5121% | 4,410 |
| Net charge-offs to loans | 0.0063% | 2,212 |
| Credit loss provision to net charge-offs | 3,050.0000% | 153 |
| Earnings coverage of net charge-offs (x) | -22.0000% | 4,611 |
| Efficiency ratio | 101.6194% | 160 |
| Assets per employee ($millions) | 5.5836% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 1,802 |
| Loan loss allowance to noncurrent loans | 315.4255% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,728 |
| Noncurrent loans to loans | 0.4165% | 1,788 |
| Net loans and leases to total assets | 29.5400% | 4,325 |
| Net loans and leases to deposits | 34.7605% | 4,318 |
| Net loans and leases to core deposits | 37.5640% | 4,302 |
| Total domestic deposits to total assets | 84.9900% | 2,499 |
| Equity capital to assets | 7.9347% | 3,097 |
| Core capital (leverage) ratio | 16.1687% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $148,580,250 | 3,387 |
| Average earning assets | $134,835,500 | 3,403 |
| Average equity | $12,558,500 | 3,467 |
| Average total loans | $42,125,500 | 3,971 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7300% | 4,594 |
| Cost of funding earning assets | 0.7772% | 3,276 |
| Net interest margin | 1.9528% | 4,507 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.5511% | 2,066 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | -0.0974% | 4,513 |
| Return on assets (ROA) | -0.0974% | 4,500 |
| Pretax return on assets | -0.0974% | 4,488 |
| Return on Equity (ROE) | -1.1300% | 4,476 |
| Retained earnings to average equity (ytd only) | -6.1455% | 4,453 |
| Net charge-offs to loans | 0.0486% | 1,027 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | -4.2000% | 4,625 |
| Efficiency ratio | 102.2777% | 150 |
| Assets per employee ($millions) | 5.2689% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,840 |
| Loan loss allowance to noncurrent loans | 320.2312% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,714 |
| Noncurrent loans to loans | 0.4123% | 1,694 |
| Net loans and leases to total assets | 28.0700% | 4,359 |
| Net loans and leases to deposits | 32.8510% | 4,357 |
| Net loans and leases to core deposits | 35.4604% | 4,335 |
| Total domestic deposits to total assets | 85.4400% | 2,413 |
| Equity capital to assets | 8.6017% | 2,778 |
| Core capital (leverage) ratio | 16.3368% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $147,855,000 | 3,401 |
| Average earning assets | $134,064,333 | 3,423 |
| Average equity | $12,757,333 | 3,462 |
| Average total loans | $41,123,000 | 4,000 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6930% | 4,620 |
| Cost of funding earning assets | 0.6695% | 3,158 |
| Net interest margin | 2.0235% | 4,557 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.4055% | 2,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1919% | 4,362 |
| Return on assets (ROA) | 0.1919% | 4,329 |
| Pretax return on assets | 0.1919% | 4,344 |
| Return on Equity (ROE) | 2.2200% | 4,277 |
| Retained earnings to average equity (ytd only) | -7.7956% | 4,426 |
| Net charge-offs to loans | 0.0884% | 639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.8889% | 1,741 |
| Efficiency ratio | 92.6119% | 289 |
| Assets per employee ($millions) | 5.3394% | 3,373 |
| Cash dividends to net income (ytd only)* | 450.7042% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,489 |
| Loan loss allowance to noncurrent loans | 161.1413% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 1,887 |
| Noncurrent loans to loans | 0.8895% | 848 |
| Net loans and leases to total assets | 27.2800% | 4,415 |
| Net loans and leases to deposits | 31.3779% | 4,417 |
| Net loans and leases to core deposits | 33.6978% | 4,397 |
| Total domestic deposits to total assets | 86.9300% | 2,294 |
| Equity capital to assets | 8.8240% | 2,648 |
| Core capital (leverage) ratio | 16.5531% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $147,995,000 | 3,447 |
| Average earning assets | $133,828,500 | 3,469 |
| Average equity | $12,776,500 | 3,502 |
| Average total loans | $40,705,000 | 4,058 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5088% | 4,503 |
| Cost of funding earning assets | 0.2697% | 3,158 |
| Net interest margin | 2.2392% | 4,459 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.3962% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3945% | 4,249 |
| Return on assets (ROA) | 0.3945% | 4,215 |
| Pretax return on assets | 0.3945% | 4,280 |
| Return on Equity (ROE) | 3.9200% | 4,171 |
| Retained earnings to average equity (ytd only) | 1.8648% | 4,007 |
| Net charge-offs to loans | 0.1357% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.7843% | 2,141 |
| Efficiency ratio | 85.8622% | 425 |
| Assets per employee ($millions) | 5.2296% | 3,487 |
| Cash dividends to net income (ytd only)* | 52.4126% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 1,193 |
| Loan loss allowance to noncurrent loans | 156.5104% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 1,853 |
| Noncurrent loans to loans | 0.9591% | 777 |
| Net loans and leases to total assets | 26.9300% | 4,461 |
| Net loans and leases to deposits | 30.6752% | 4,461 |
| Net loans and leases to core deposits | 33.1582% | 4,434 |
| Total domestic deposits to total assets | 87.8000% | 2,142 |
| Equity capital to assets | 8.4013% | 2,773 |
| Core capital (leverage) ratio | 16.9415% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $152,326,000 | 3,419 |
| Average earning assets | $138,310,800 | 3,435 |
| Average equity | $15,336,800 | 3,339 |
| Average total loans | $37,586,000 | 4,108 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4503% | 4,469 |
| Cost of funding earning assets | 0.2414% | 2,803 |
| Net interest margin | 2.2089% | 4,459 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.3528% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3736% | 4,281 |
| Return on assets (ROA) | 0.3736% | 4,228 |
| Pretax return on assets | 0.3736% | 4,298 |
| Return on Equity (ROE) | 3.5700% | 4,218 |
| Retained earnings to average equity (ytd only) | 0.9609% | 4,220 |
| Net charge-offs to loans | 0.0361% | 1,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 43.1000% | 1,355 |
| Efficiency ratio | 86.2957% | 453 |
| Assets per employee ($millions) | 5.1335% | 3,559 |
| Cash dividends to net income (ytd only)* | 73.0858% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 909 |
| Loan loss allowance to noncurrent loans | 315.7635% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 2,618 |
| Noncurrent loans to loans | 0.5316% | 1,474 |
| Net loans and leases to total assets | 26.1200% | 4,506 |
| Net loans and leases to deposits | 28.3477% | 4,526 |
| Net loans and leases to core deposits | 30.1623% | 4,508 |
| Total domestic deposits to total assets | 92.1500% | 836 |
| Equity capital to assets | 7.5276% | 3,206 |
| Core capital (leverage) ratio | 16.2102% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $153,800,250 | 3,431 |
| Average earning assets | $139,736,000 | 3,447 |
| Average equity | $16,095,500 | 3,307 |
| Average total loans | $36,973,000 | 4,141 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4222% | 4,446 |
| Cost of funding earning assets | 0.2439% | 2,343 |
| Net interest margin | 2.1783% | 4,462 |
| Noninterest income to average assets | 0.7318% | 1,230 |
| Noninterest expense to average assets | 2.2793% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4302% | 4,053 |
| Return on assets (ROA) | 0.4302% | 4,003 |
| Pretax return on assets | 0.4302% | 4,111 |
| Return on Equity (ROE) | 3.7863% | 4,073 |
| Retained earnings to average equity (ytd only) | 0.2576% | 4,141 |
| Net charge-offs to loans | 0.0547% | 839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 33.8000% | 1,343 |
| Efficiency ratio | 84.1240% | 676 |
| Assets per employee ($millions) | 5.4214% | 3,299 |
| Cash dividends to net income (ytd only)* | 93.1953% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 933 |
| Loan loss allowance to noncurrent loans | 661.8557% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 2,839 |
| Noncurrent loans to loans | 0.2596% | 2,440 |
| Net loans and leases to total assets | 24.1899% | 4,590 |
| Net loans and leases to deposits | 26.8278% | 4,601 |
| Net loans and leases to core deposits | 28.3557% | 4,589 |
| Total domestic deposits to total assets | 90.1673% | 1,644 |
| Equity capital to assets | 9.5686% | 1,964 |
| Core capital (leverage) ratio | 15.5071% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,154,333 | 3,440 |
| Average earning assets | $142,682,333 | 3,468 |
| Average equity | $17,854,000 | 3,248 |
| Average total loans | $36,568,333 | 4,203 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3524% | 4,415 |
| Cost of funding earning assets | 0.2507% | 2,152 |
| Net interest margin | 2.1017% | 4,445 |
| Noninterest income to average assets | 0.6015% | 1,693 |
| Noninterest expense to average assets | 2.2204% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2932% | 4,158 |
| Return on assets (ROA) | 0.2932% | 4,130 |
| Pretax return on assets | 0.2932% | 4,195 |
| Return on Equity (ROE) | 2.4420% | 4,192 |
| Retained earnings to average equity (ytd only) | -3.6108% | 4,348 |
| Net charge-offs to loans | -0.0442% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3350% | 615 |
| Assets per employee ($millions) | 5.5916% | 3,238 |
| Cash dividends to net income (ytd only)* | 247.8632% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 841 |
| Loan loss allowance to noncurrent loans | 446.2585% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 3,153 |
| Noncurrent loans to loans | 0.4092% | 2,025 |
| Net loans and leases to total assets | 22.5287% | 4,637 |
| Net loans and leases to deposits | 25.2652% | 4,651 |
| Net loans and leases to core deposits | 26.6192% | 4,645 |
| Total domestic deposits to total assets | 89.1687% | 1,994 |
| Equity capital to assets | 10.5049% | 1,590 |
| Core capital (leverage) ratio | 14.9147% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,614,000 | 3,425 |
| Average earning assets | $145,214,500 | 3,461 |
| Average equity | $19,164,500 | 3,222 |
| Average total loans | $36,171,500 | 4,227 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2482% | 4,609 |
| Cost of funding earning assets | 0.3172% | 2,225 |
| Net interest margin | 1.9310% | 4,631 |
| Noninterest income to average assets | 0.6905% | 1,795 |
| Noninterest expense to average assets | 2.2426% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2080% | 4,527 |
| Return on assets (ROA) | 0.2080% | 4,544 |
| Pretax return on assets | 0.2080% | 4,570 |
| Return on Equity (ROE) | 1.4439% | 4,562 |
| Retained earnings to average equity (ytd only) | 0.0572% | 4,469 |
| Net charge-offs to loans | -0.0028% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5136% | 278 |
| Assets per employee ($millions) | 5.6091% | 3,154 |
| Cash dividends to net income (ytd only)* | 96.0366% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 881 |
| Loan loss allowance to noncurrent loans | 428.9474% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 3,284 |
| Noncurrent loans to loans | 0.4174% | 2,102 |
| Net loans and leases to total assets | 21.9859% | 4,697 |
| Net loans and leases to deposits | 25.5036% | 4,697 |
| Net loans and leases to core deposits | 26.8915% | 4,689 |
| Total domestic deposits to total assets | 86.2071% | 2,833 |
| Equity capital to assets | 13.4524% | 782 |
| Core capital (leverage) ratio | 14.9442% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,721,000 | 3,414 |
| Average earning assets | $143,760,600 | 3,433 |
| Average equity | $22,715,800 | 3,005 |
| Average total loans | $35,847,800 | 4,276 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2422% | 4,697 |
| Cost of funding earning assets | 0.3346% | 2,256 |
| Net interest margin | 1.9076% | 4,714 |
| Noninterest income to average assets | 0.7089% | 1,796 |
| Noninterest expense to average assets | 2.2102% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2377% | 4,591 |
| Return on assets (ROA) | 0.2377% | 4,615 |
| Pretax return on assets | 0.2377% | 4,642 |
| Return on Equity (ROE) | 1.6227% | 4,640 |
| Retained earnings to average equity (ytd only) | -0.2094% | 4,586 |
| Net charge-offs to loans | -0.0037% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2889% | 311 |
| Assets per employee ($millions) | 4.9732% | 3,727 |
| Cash dividends to net income (ytd only)* | 112.9032% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 831 |
| Loan loss allowance to noncurrent loans | 455.9441% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 2,918 |
| Noncurrent loans to loans | 0.4068% | 2,341 |
| Net loans and leases to total assets | 21.6799% | 4,775 |
| Net loans and leases to deposits | 25.4468% | 4,775 |
| Net loans and leases to core deposits | 26.8448% | 4,769 |
| Total domestic deposits to total assets | 85.1970% | 3,049 |
| Equity capital to assets | 14.3299% | 664 |
| Core capital (leverage) ratio | 14.9798% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,485,500 | 3,461 |
| Average earning assets | $142,652,250 | 3,482 |
| Average equity | $22,924,250 | 3,029 |
| Average total loans | $35,706,000 | 4,331 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2331% | 4,746 |
| Cost of funding earning assets | 0.3529% | 2,293 |
| Net interest margin | 1.8802% | 4,760 |
| Noninterest income to average assets | 0.7622% | 1,638 |
| Noninterest expense to average assets | 2.2262% | 2,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2481% | 4,581 |
| Return on assets (ROA) | 0.2481% | 4,598 |
| Pretax return on assets | 0.2481% | 4,636 |
| Return on Equity (ROE) | 1.6809% | 4,626 |
| Retained earnings to average equity (ytd only) | -1.0625% | 4,608 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9740% | 344 |
| Assets per employee ($millions) | 4.9251% | 3,719 |
| Cash dividends to net income (ytd only)* | 163.2124% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 887 |
| Loan loss allowance to noncurrent loans | 385.2071% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 2,957 |
| Noncurrent loans to loans | 0.4671% | 2,274 |
| Net loans and leases to total assets | 22.5445% | 4,799 |
| Net loans and leases to deposits | 26.5899% | 4,806 |
| Net loans and leases to core deposits | 27.9930% | 4,803 |
| Total domestic deposits to total assets | 84.7859% | 3,185 |
| Equity capital to assets | 14.3918% | 640 |
| Core capital (leverage) ratio | 15.0271% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4877% | 194 |
| Memoranda: | ||
| Average total assets | $155,599,667 | 3,472 |
| Average earning assets | $141,685,333 | 3,495 |
| Average equity | $22,964,000 | 3,013 |
| Average total loans | $35,890,000 | 4,361 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2596% | 4,772 |
| Cost of funding earning assets | 0.3757% | 2,308 |
| Net interest margin | 1.8840% | 4,779 |
| Noninterest income to average assets | 0.5744% | 2,313 |
| Noninterest expense to average assets | 2.1734% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1138% | 4,704 |
| Return on assets (ROA) | 0.1138% | 4,718 |
| Pretax return on assets | 0.1138% | 4,721 |
| Return on Equity (ROE) | 0.7617% | 4,728 |
| Retained earnings to average equity (ytd only) | -4.6916% | 4,683 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0226% | 268 |
| Assets per employee ($millions) | 5.2242% | 3,406 |
| Cash dividends to net income (ytd only)* | 715.9091% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 872 |
| Loan loss allowance to noncurrent loans | 891.7808% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 3,415 |
| Noncurrent loans to loans | 0.2019% | 3,386 |
| Net loans and leases to total assets | 22.6566% | 4,828 |
| Net loans and leases to deposits | 26.7091% | 4,828 |
| Net loans and leases to core deposits | 28.1896% | 4,832 |
| Total domestic deposits to total assets | 84.8271% | 3,178 |
| Equity capital to assets | 14.3568% | 602 |
| Core capital (leverage) ratio | 15.2940% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7900% | 197 |
| Memoranda: | ||
| Average total assets | $154,597,500 | 3,484 |
| Average earning assets | $140,553,000 | 3,509 |
| Average equity | $23,105,000 | 2,983 |
| Average total loans | $35,744,000 | 4,385 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7735% | 4,762 |
| Cost of funding earning assets | 0.5801% | 2,446 |
| Net interest margin | 2.1934% | 4,764 |
| Noninterest income to average assets | 0.7736% | 1,615 |
| Noninterest expense to average assets | 2.4756% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2860% | 4,453 |
| Return on assets (ROA) | 0.3175% | 4,475 |
| Pretax return on assets | 0.3175% | 4,524 |
| Return on Equity (ROE) | 2.0832% | 4,551 |
| Retained earnings to average equity (ytd only) | 0.4703% | 4,371 |
| Net charge-offs to loans | 0.0676% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 18.5652% | 2,019 |
| Efficiency ratio | 89.6435% | 388 |
| Assets per employee ($millions) | 4.6202% | 3,791 |
| Cash dividends to net income (ytd only)* | 77.4262% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 795 |
| Loan loss allowance to noncurrent loans | 602.7778% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 3,392 |
| Noncurrent loans to loans | 0.3057% | 3,107 |
| Net loans and leases to total assets | 22.7438% | 4,866 |
| Net loans and leases to deposits | 27.2267% | 4,867 |
| Net loans and leases to core deposits | 28.8013% | 4,863 |
| Total domestic deposits to total assets | 83.5349% | 3,254 |
| Equity capital to assets | 15.5501% | 481 |
| Core capital (leverage) ratio | 15.7100% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2646% | 190 |
| Memoranda: | ||
| Average total assets | $149,299,000 | 3,413 |
| Average earning assets | $135,314,000 | 3,440 |
| Average equity | $22,753,400 | 2,958 |
| Average total loans | $34,013,400 | 4,431 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8844% | 4,798 |
| Cost of funding earning assets | 0.6240% | 2,466 |
| Net interest margin | 2.2604% | 4,792 |
| Noninterest income to average assets | 0.5836% | 2,235 |
| Noninterest expense to average assets | 2.4483% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1840% | 4,615 |
| Return on assets (ROA) | 0.2271% | 4,591 |
| Pretax return on assets | 0.2271% | 4,629 |
| Return on Equity (ROE) | 1.4983% | 4,623 |
| Retained earnings to average equity (ytd only) | -0.6751% | 4,577 |
| Net charge-offs to loans | 0.0079% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 778 |
| Efficiency ratio | 93.0082% | 283 |
| Assets per employee ($millions) | 4.6994% | 3,598 |
| Cash dividends to net income (ytd only)* | 145.0593% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 529 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 3,581 |
| Noncurrent loans to loans | 0.1228% | 3,894 |
| Net loans and leases to total assets | 22.3007% | 4,909 |
| Net loans and leases to deposits | 26.7147% | 4,912 |
| Net loans and leases to core deposits | 28.2266% | 4,911 |
| Total domestic deposits to total assets | 83.4773% | 2,998 |
| Equity capital to assets | 15.1076% | 612 |
| Core capital (leverage) ratio | 15.6003% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,506,750 | 3,412 |
| Average earning assets | $134,605,500 | 3,437 |
| Average equity | $22,514,500 | 2,976 |
| Average total loans | $33,684,750 | 4,468 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0244% | 4,828 |
| Cost of funding earning assets | 0.6751% | 2,529 |
| Net interest margin | 2.3493% | 4,818 |
| Noninterest income to average assets | 0.5815% | 2,202 |
| Noninterest expense to average assets | 2.3762% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3327% | 4,360 |
| Return on assets (ROA) | 0.3976% | 4,295 |
| Pretax return on assets | 0.3976% | 4,413 |
| Return on Equity (ROE) | 2.6196% | 4,419 |
| Retained earnings to average equity (ytd only) | -0.1158% | 4,330 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7184% | 462 |
| Assets per employee ($millions) | 4.6502% | 3,596 |
| Cash dividends to net income (ytd only)* | 104.4218% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 436 |
| Loan loss allowance to noncurrent loans | 1,296.1538% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 3,674 |
| Noncurrent loans to loans | 0.1539% | 3,840 |
| Net loans and leases to total assets | 21.5728% | 4,945 |
| Net loans and leases to deposits | 26.1243% | 4,953 |
| Net loans and leases to core deposits | 27.7101% | 4,946 |
| Total domestic deposits to total assets | 82.5775% | 3,210 |
| Equity capital to assets | 14.9071% | 631 |
| Core capital (leverage) ratio | 15.6837% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,882,000 | 3,393 |
| Average earning assets | $133,911,333 | 3,419 |
| Average equity | $22,446,333 | 2,966 |
| Average total loans | $33,510,333 | 4,493 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 4,843 |
| Cost of funding earning assets | 0.7484% | 2,678 |
| Net interest margin | 2.5019% | 4,825 |
| Noninterest income to average assets | 0.6037% | 2,025 |
| Noninterest expense to average assets | 2.4922% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3694% | 4,196 |
| Return on assets (ROA) | 0.3694% | 4,235 |
| Pretax return on assets | 0.3694% | 4,351 |
| Return on Equity (ROE) | 2.4110% | 4,364 |
| Retained earnings to average equity (ytd only) | -3.1127% | 4,366 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0906% | 626 |
| Assets per employee ($millions) | 4.4260% | 3,374 |
| Cash dividends to net income (ytd only)* | 229.1045% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0529% | 468 |
| Loan loss allowance to noncurrent loans | 608.1081% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 3,587 |
| Noncurrent loans to loans | 0.3376% | 3,285 |
| Net loans and leases to total assets | 22.0496% | 4,994 |
| Net loans and leases to deposits | 27.2577% | 4,997 |
| Net loans and leases to core deposits | 28.9579% | 4,995 |
| Total domestic deposits to total assets | 80.8931% | 3,690 |
| Equity capital to assets | 15.3057% | 708 |
| Core capital (leverage) ratio | 16.0931% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7569% | 177 |
| Memoranda: | ||
| Average total assets | $145,094,500 | 3,395 |
| Average earning assets | $130,940,000 | 3,435 |
| Average equity | $22,231,500 | 2,980 |
| Average total loans | $33,376,000 | 4,523 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 4,829 |
| Cost of funding earning assets | 0.7691% | 2,830 |
| Net interest margin | 2.7679% | 4,780 |
| Noninterest income to average assets | 0.7050% | 1,800 |
| Noninterest expense to average assets | 2.5700% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6319% | 4,066 |
| Return on assets (ROA) | 0.6319% | 4,134 |
| Pretax return on assets | 0.6319% | 4,367 |
| Return on Equity (ROE) | 4.1664% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.6017% | 3,734 |
| Net charge-offs to loans | 0.0629% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 41.2727% | 1,291 |
| Efficiency ratio | 80.2652% | 922 |
| Assets per employee ($millions) | 4.5041% | 3,212 |
| Cash dividends to net income (ytd only)* | 37.5551% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9898% | 468 |
| Loan loss allowance to noncurrent loans | 272.8745% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 3,027 |
| Noncurrent loans to loans | 0.7292% | 2,060 |
| Net loans and leases to total assets | 23.0331% | 5,047 |
| Net loans and leases to deposits | 27.7677% | 5,051 |
| Net loans and leases to core deposits | 29.4319% | 5,052 |
| Total domestic deposits to total assets | 82.9490% | 3,211 |
| Equity capital to assets | 15.6253% | 665 |
| Core capital (leverage) ratio | 16.4875% | 464 |
| Tier 1 risk-based capital ratio | 37.2582% | 284 |
| Total risk-based capital ratio | 38.3096% | 286 |
| Memoranda: | ||
| Average total assets | $143,695,400 | 3,384 |
| Average earning assets | $129,629,600 | 3,431 |
| Average equity | $21,793,400 | 2,978 |
| Average total loans | $34,992,000 | 4,537 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 4,904 |
| Cost of funding earning assets | 0.7646% | 2,894 |
| Net interest margin | 2.8103% | 4,849 |
| Noninterest income to average assets | 0.7169% | 1,718 |
| Noninterest expense to average assets | 2.6046% | 3,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6481% | 4,164 |
| Return on assets (ROA) | 0.6481% | 4,216 |
| Pretax return on assets | 0.6481% | 4,452 |
| Return on Equity (ROE) | 4.3062% | 4,529 |
| Retained earnings to average equity (ytd only) | 2.2025% | 4,205 |
| Net charge-offs to loans | 0.0643% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 41.0516% | 1,353 |
| Efficiency ratio | 80.0742% | 916 |
| Assets per employee ($millions) | 4.3552% | 3,405 |
| Cash dividends to net income (ytd only)* | 48.8546% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9451% | 515 |
| Loan loss allowance to noncurrent loans | 401.1905% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 3,961 |
| Noncurrent loans to loans | 0.4848% | 2,845 |
| Net loans and leases to total assets | 23.6409% | 5,131 |
| Net loans and leases to deposits | 28.5855% | 5,132 |
| Net loans and leases to core deposits | 30.2356% | 5,131 |
| Total domestic deposits to total assets | 82.7026% | 3,250 |
| Equity capital to assets | 15.7604% | 683 |
| Core capital (leverage) ratio | 16.7668% | 468 |
| Tier 1 risk-based capital ratio | 41.6017% | 220 |
| Total risk-based capital ratio | 42.7685% | 218 |
| Memoranda: | ||
| Average total assets | $143,586,250 | 3,419 |
| Average earning assets | $129,569,500 | 3,468 |
| Average equity | $21,611,500 | 3,013 |
| Average total loans | $35,272,000 | 4,585 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6168% | 4,918 |
| Cost of funding earning assets | 0.7521% | 2,881 |
| Net interest margin | 2.8647% | 4,857 |
| Noninterest income to average assets | 0.7399% | 1,561 |
| Noninterest expense to average assets | 2.6320% | 3,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6925% | 4,027 |
| Return on assets (ROA) | 0.6925% | 4,088 |
| Pretax return on assets | 0.6925% | 4,346 |
| Return on Equity (ROE) | 4.6743% | 4,426 |
| Retained earnings to average equity (ytd only) | 1.8716% | 4,153 |
| Net charge-offs to loans | 0.0958% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 29.2353% | 1,492 |
| Efficiency ratio | 79.1702% | 1,043 |
| Assets per employee ($millions) | 4.3774% | 3,321 |
| Cash dividends to net income (ytd only)* | 59.9598% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 516 |
| Loan loss allowance to noncurrent loans | 1,837.8378% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,244 |
| Noncurrent loans to loans | 0.1059% | 4,195 |
| Net loans and leases to total assets | 23.7077% | 5,179 |
| Net loans and leases to deposits | 28.5808% | 5,180 |
| Net loans and leases to core deposits | 30.2082% | 5,178 |
| Total domestic deposits to total assets | 82.9497% | 3,220 |
| Equity capital to assets | 15.5827% | 690 |
| Core capital (leverage) ratio | 16.3591% | 501 |
| Tier 1 risk-based capital ratio | 39.6570% | 239 |
| Total risk-based capital ratio | 40.8037% | 237 |
| Memoranda: | ||
| Average total assets | $143,541,330 | 3,440 |
| Average earning assets | $129,506,000 | 3,486 |
| Average equity | $21,265,000 | 3,038 |
| Average total loans | $35,479,000 | 4,609 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 5,025 |
| Cost of funding earning assets | 0.7311% | 2,882 |
| Net interest margin | 2.7942% | 4,993 |
| Noninterest income to average assets | 0.6430% | 1,843 |
| Noninterest expense to average assets | 2.7117% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4529% | 4,637 |
| Return on assets (ROA) | 0.4529% | 4,654 |
| Pretax return on assets | 0.4529% | 4,771 |
| Return on Equity (ROE) | 3.1392% | 4,761 |
| Retained earnings to average equity (ytd only) | -2.6353% | 4,793 |
| Net charge-offs to loans | 0.0671% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,386 |
| Efficiency ratio | 85.6890% | 603 |
| Assets per employee ($millions) | 4.3552% | 3,410 |
| Cash dividends to net income (ytd only)* | 183.9506% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 542 |
| Loan loss allowance to noncurrent loans | 193.8375% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 3,420 |
| Noncurrent loans to loans | 1.0112% | 1,652 |
| Net loans and leases to total assets | 24.0838% | 5,237 |
| Net loans and leases to deposits | 28.8265% | 5,234 |
| Net loans and leases to core deposits | 30.4669% | 5,233 |
| Total domestic deposits to total assets | 83.5475% | 3,205 |
| Equity capital to assets | 14.8452% | 784 |
| Core capital (leverage) ratio | 16.2084% | 507 |
| Tier 1 risk-based capital ratio | 34.4981% | 339 |
| Total risk-based capital ratio | 35.5278% | 338 |
| Memoranda: | ||
| Average total assets | $143,084,500 | 3,483 |
| Average earning assets | $129,124,500 | 3,530 |
| Average equity | $20,642,500 | 3,100 |
| Average total loans | $35,755,000 | 4,643 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 4,865 |
| Cost of funding earning assets | 0.5977% | 2,738 |
| Net interest margin | 2.9460% | 4,857 |
| Noninterest income to average assets | 0.6161% | 2,211 |
| Noninterest expense to average assets | 2.7253% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5576% | 4,529 |
| Return on assets (ROA) | 0.5576% | 4,528 |
| Pretax return on assets | 0.5576% | 4,711 |
| Return on Equity (ROE) | 4.1800% | 4,664 |
| Retained earnings to average equity (ytd only) | 3.5091% | 3,658 |
| Net charge-offs to loans | 0.0995% | 1,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 21.8919% | 1,924 |
| Efficiency ratio | 83.0153% | 706 |
| Assets per employee ($millions) | 4.3165% | 3,436 |
| Cash dividends to net income (ytd only)* | 16.0494% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9114% | 559 |
| Loan loss allowance to noncurrent loans | 173.4336% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,278 |
| Noncurrent loans to loans | 1.1021% | 1,472 |
| Net loans and leases to total assets | 24.9301% | 5,269 |
| Net loans and leases to deposits | 29.4967% | 5,278 |
| Net loans and leases to core deposits | 31.0941% | 5,265 |
| Total domestic deposits to total assets | 84.5183% | 2,826 |
| Equity capital to assets | 14.0446% | 958 |
| Core capital (leverage) ratio | 16.3837% | 470 |
| Tier 1 risk-based capital ratio | 38.9065% | 247 |
| Total risk-based capital ratio | 40.0693% | 246 |
| Memoranda: | ||
| Average total assets | $145,266,000 | 3,442 |
| Average earning assets | $131,498,200 | 3,475 |
| Average equity | $19,378,200 | 3,150 |
| Average total loans | $37,181,800 | 4,630 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 4,895 |
| Cost of funding earning assets | 0.5648% | 2,740 |
| Net interest margin | 2.9713% | 4,887 |
| Noninterest income to average assets | 0.6138% | 2,244 |
| Noninterest expense to average assets | 2.8160% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4887% | 4,781 |
| Return on assets (ROA) | 0.4887% | 4,788 |
| Pretax return on assets | 0.4887% | 4,917 |
| Return on Equity (ROE) | 3.7111% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.1631% | 4,165 |
| Net charge-offs to loans | 0.0570% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 33.4421% | 1,514 |
| Efficiency ratio | 85.2128% | 562 |
| Assets per employee ($millions) | 4.3222% | 3,394 |
| Cash dividends to net income (ytd only)* | 14.7662% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 531 |
| Loan loss allowance to noncurrent loans | 176.0494% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 3,552 |
| Noncurrent loans to loans | 1.1091% | 1,535 |
| Net loans and leases to total assets | 25.1020% | 5,336 |
| Net loans and leases to deposits | 29.7754% | 5,341 |
| Net loans and leases to core deposits | 31.4172% | 5,336 |
| Total domestic deposits to total assets | 84.3046% | 2,854 |
| Equity capital to assets | 13.1091% | 1,288 |
| Core capital (leverage) ratio | 16.1056% | 502 |
| Tier 1 risk-based capital ratio | 40.4671% | 228 |
| Total risk-based capital ratio | 41.7162% | 224 |
| Memoranda: | ||
| Average total assets | $145,971,000 | 3,471 |
| Average earning assets | $132,196,500 | 3,500 |
| Average equity | $19,221,250 | 3,185 |
| Average total loans | $37,426,250 | 4,674 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,900 |
| Cost of funding earning assets | 0.5312% | 2,754 |
| Net interest margin | 2.9831% | 4,900 |
| Noninterest income to average assets | 0.6051% | 2,297 |
| Noninterest expense to average assets | 2.7059% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6024% | 4,487 |
| Return on assets (ROA) | 0.6024% | 4,493 |
| Pretax return on assets | 0.6024% | 4,735 |
| Return on Equity (ROE) | 4.5680% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.7534% | 3,723 |
| Net charge-offs to loans | -0.0106% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7920% | 851 |
| Assets per employee ($millions) | 4.4081% | 3,264 |
| Cash dividends to net income (ytd only)* | 17.8330% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 521 |
| Loan loss allowance to noncurrent loans | 193.4383% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 3,709 |
| Noncurrent loans to loans | 1.0333% | 1,704 |
| Net loans and leases to total assets | 24.8414% | 5,402 |
| Net loans and leases to deposits | 29.6788% | 5,400 |
| Net loans and leases to core deposits | 31.0409% | 5,397 |
| Total domestic deposits to total assets | 83.7008% | 3,175 |
| Equity capital to assets | 13.0765% | 1,263 |
| Core capital (leverage) ratio | 15.8997% | 513 |
| Tier 1 risk-based capital ratio | 35.7094% | 318 |
| Total risk-based capital ratio | 36.8533% | 315 |
| Memoranda: | ||
| Average total assets | $147,083,330 | 3,476 |
| Average earning assets | $133,282,330 | 3,511 |
| Average equity | $19,395,670 | 3,180 |
| Average total loans | $37,729,330 | 4,714 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 4,872 |
| Cost of funding earning assets | 0.5074% | 2,735 |
| Net interest margin | 2.9939% | 4,892 |
| Noninterest income to average assets | 0.5842% | 2,340 |
| Noninterest expense to average assets | 2.8264% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4706% | 4,764 |
| Return on assets (ROA) | 0.4706% | 4,765 |
| Pretax return on assets | 0.4706% | 4,918 |
| Return on Equity (ROE) | 3.5542% | 4,879 |
| Retained earnings to average equity (ytd only) | 1.9405% | 4,366 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7260% | 667 |
| Assets per employee ($millions) | 4.5072% | 3,144 |
| Cash dividends to net income (ytd only)* | 45.4023% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 625 |
| Loan loss allowance to noncurrent loans | 185.1385% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 3,800 |
| Noncurrent loans to loans | 1.0436% | 1,753 |
| Net loans and leases to total assets | 25.0827% | 5,447 |
| Net loans and leases to deposits | 29.8201% | 5,453 |
| Net loans and leases to core deposits | 31.1473% | 5,445 |
| Total domestic deposits to total assets | 84.1135% | 3,278 |
| Equity capital to assets | 12.8025% | 1,338 |
| Core capital (leverage) ratio | 15.5340% | 548 |
| Tier 1 risk-based capital ratio | 33.9142% | 352 |
| Total risk-based capital ratio | 35.0105% | 351 |
| Memoranda: | ||
| Average total assets | $147,891,500 | 3,494 |
| Average earning assets | $134,004,000 | 3,533 |
| Average equity | $19,582,500 | 3,190 |
| Average total loans | $38,157,500 | 4,745 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,727 |
| Cost of funding earning assets | 0.4698% | 2,607 |
| Net interest margin | 3.0646% | 4,759 |
| Noninterest income to average assets | 0.6006% | 2,443 |
| Noninterest expense to average assets | 2.6740% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6961% | 3,619 |
| Return on assets (ROA) | 0.6961% | 3,671 |
| Pretax return on assets | 0.6961% | 4,518 |
| Return on Equity (ROE) | 4.9957% | 4,157 |
| Retained earnings to average equity (ytd only) | 1.6280% | 4,328 |
| Net charge-offs to loans | 0.0570% | 2,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 46.7273% | 1,146 |
| Efficiency ratio | 79.3450% | 1,176 |
| Assets per employee ($millions) | 4.4560% | 3,259 |
| Cash dividends to net income (ytd only)* | 67.4125% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 622 |
| Loan loss allowance to noncurrent loans | 147.0000% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 3,504 |
| Noncurrent loans to loans | 1.3064% | 1,329 |
| Net loans and leases to total assets | 25.5279% | 5,511 |
| Net loans and leases to deposits | 30.7152% | 5,506 |
| Net loans and leases to core deposits | 32.2314% | 5,503 |
| Total domestic deposits to total assets | 83.1115% | 3,520 |
| Equity capital to assets | 13.6847% | 990 |
| Core capital (leverage) ratio | 15.2427% | 578 |
| Tier 1 risk-based capital ratio | 39.5132% | 223 |
| Total risk-based capital ratio | 40.7627% | 218 |
| Memoranda: | ||
| Average total assets | $147,682,200 | 3,495 |
| Average earning assets | $133,459,000 | 3,550 |
| Average equity | $20,577,800 | 3,070 |
| Average total loans | $38,581,600 | 4,774 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 4,750 |
| Cost of funding earning assets | 0.4623% | 2,598 |
| Net interest margin | 3.0646% | 4,789 |
| Noninterest income to average assets | 0.6033% | 2,465 |
| Noninterest expense to average assets | 2.6244% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7467% | 3,753 |
| Return on assets (ROA) | 0.7467% | 3,814 |
| Pretax return on assets | 0.7467% | 4,496 |
| Return on Equity (ROE) | 5.3354% | 4,396 |
| Retained earnings to average equity (ytd only) | 0.8699% | 5,013 |
| Net charge-offs to loans | 0.0966% | 1,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 29.5733% | 1,568 |
| Efficiency ratio | 77.8491% | 1,351 |
| Assets per employee ($millions) | 4.2042% | 3,634 |
| Cash dividends to net income (ytd only)* | 83.6961% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 675 |
| Loan loss allowance to noncurrent loans | 205.8989% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 3,993 |
| Noncurrent loans to loans | 0.9319% | 2,059 |
| Net loans and leases to total assets | 25.4635% | 5,580 |
| Net loans and leases to deposits | 31.0392% | 5,573 |
| Net loans and leases to core deposits | 32.5888% | 5,573 |
| Total domestic deposits to total assets | 82.0365% | 3,766 |
| Equity capital to assets | 14.4807% | 863 |
| Core capital (leverage) ratio | 15.2549% | 613 |
| Tier 1 risk-based capital ratio | 39.3325% | 232 |
| Total risk-based capital ratio | 40.5821% | 229 |
| Memoranda: | ||
| Average total assets | $147,841,000 | 3,525 |
| Average earning assets | $133,521,000 | 3,583 |
| Average equity | $20,691,500 | 3,084 |
| Average total loans | $38,658,750 | 4,821 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 4,731 |
| Cost of funding earning assets | 0.4563% | 2,543 |
| Net interest margin | 3.0579% | 4,777 |
| Noninterest income to average assets | 0.6105% | 2,406 |
| Noninterest expense to average assets | 2.6095% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7618% | 3,582 |
| Return on assets (ROA) | 0.7618% | 3,630 |
| Pretax return on assets | 0.7618% | 4,398 |
| Return on Equity (ROE) | 5.5062% | 4,266 |
| Retained earnings to average equity (ytd only) | -0.9372% | 5,226 |
| Net charge-offs to loans | 0.1597% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 18.1935% | 1,894 |
| Efficiency ratio | 77.4038% | 1,542 |
| Assets per employee ($millions) | 4.2168% | 3,586 |
| Cash dividends to net income (ytd only)* | 117.0213% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 758 |
| Loan loss allowance to noncurrent loans | 250.8651% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 3,905 |
| Noncurrent loans to loans | 0.7472% | 2,532 |
| Net loans and leases to total assets | 25.7157% | 5,615 |
| Net loans and leases to deposits | 31.5757% | 5,611 |
| Net loans and leases to core deposits | 32.9817% | 5,614 |
| Total domestic deposits to total assets | 81.4415% | 4,064 |
| Equity capital to assets | 14.4762% | 831 |
| Core capital (leverage) ratio | 14.9916% | 627 |
| Tier 1 risk-based capital ratio | 38.8141% | 227 |
| Total risk-based capital ratio | 40.0635% | 224 |
| Memoranda: | ||
| Average total assets | $148,072,000 | 3,547 |
| Average earning assets | $133,686,670 | 3,598 |
| Average equity | $20,486,000 | 3,104 |
| Average total loans | $38,811,000 | 4,852 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5083% | 4,669 |
| Cost of funding earning assets | 0.4516% | 2,511 |
| Net interest margin | 3.0567% | 4,772 |
| Noninterest income to average assets | 0.5879% | 2,469 |
| Noninterest expense to average assets | 2.6943% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6500% | 3,937 |
| Return on assets (ROA) | 0.6500% | 3,971 |
| Pretax return on assets | 0.6500% | 4,595 |
| Return on Equity (ROE) | 4.8088% | 4,474 |
| Retained earnings to average equity (ytd only) | -8.3606% | 5,536 |
| Net charge-offs to loans | 0.3087% | 599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.0333% | 2,088 |
| Efficiency ratio | 80.5645% | 1,306 |
| Assets per employee ($millions) | 4.2664% | 3,553 |
| Cash dividends to net income (ytd only)* | 273.8589% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 825 |
| Loan loss allowance to noncurrent loans | 178.4653% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 4,006 |
| Noncurrent loans to loans | 1.0505% | 1,958 |
| Net loans and leases to total assets | 25.2721% | 5,678 |
| Net loans and leases to deposits | 30.6374% | 5,673 |
| Net loans and leases to core deposits | 31.9572% | 5,668 |
| Total domestic deposits to total assets | 82.4876% | 4,021 |
| Equity capital to assets | 13.4916% | 1,068 |
| Core capital (leverage) ratio | 14.8200% | 643 |
| Tier 1 risk-based capital ratio | 36.9199% | 277 |
| Total risk-based capital ratio | 38.1428% | 274 |
| Memoranda: | ||
| Average total assets | $148,314,500 | 3,578 |
| Average earning assets | $133,740,000 | 3,631 |
| Average equity | $20,046,500 | 3,170 |
| Average total loans | $38,877,500 | 4,892 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 3,857 |
| Cost of funding earning assets | 0.4534% | 2,507 |
| Net interest margin | 3.3607% | 3,958 |
| Noninterest income to average assets | 0.6542% | 2,401 |
| Noninterest expense to average assets | 2.5807% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1157% | 1,837 |
| Return on assets (ROA) | 1.1157% | 1,928 |
| Pretax return on assets | 1.1157% | 3,044 |
| Return on Equity (ROE) | 7.6814% | 3,127 |
| Retained earnings to average equity (ytd only) | 4.8003% | 2,472 |
| Net charge-offs to loans | -0.0942% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8165% | 2,932 |
| Assets per employee ($millions) | 4.2087% | 3,608 |
| Cash dividends to net income (ytd only)* | 37.5075% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9264% | 768 |
| Loan loss allowance to noncurrent loans | 214.4476% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 4,348 |
| Noncurrent loans to loans | 0.8983% | 2,302 |
| Net loans and leases to total assets | 26.1632% | 5,728 |
| Net loans and leases to deposits | 31.7795% | 5,714 |
| Net loans and leases to core deposits | 33.0246% | 5,721 |
| Total domestic deposits to total assets | 82.3273% | 3,982 |
| Equity capital to assets | 13.5412% | 1,026 |
| Core capital (leverage) ratio | 14.9354% | 609 |
| Tier 1 risk-based capital ratio | 38.0471% | 251 |
| Total risk-based capital ratio | 39.2973% | 247 |
| Memoranda: | ||
| Average total assets | $148,875,000 | 3,541 |
| Average earning assets | $134,764,600 | 3,576 |
| Average equity | $21,623,600 | 3,011 |
| Average total loans | $39,289,800 | 4,900 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 3,575 |
| Cost of funding earning assets | 0.4521% | 2,539 |
| Net interest margin | 3.4512% | 3,664 |
| Noninterest income to average assets | 0.6547% | 2,394 |
| Noninterest expense to average assets | 2.4948% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2898% | 1,324 |
| Return on assets (ROA) | 1.2898% | 1,427 |
| Pretax return on assets | 1.2898% | 2,474 |
| Return on Equity (ROE) | 8.7343% | 2,638 |
| Retained earnings to average equity (ytd only) | 5.4015% | 2,550 |
| Net charge-offs to loans | -0.0848% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9193% | 3,606 |
| Assets per employee ($millions) | 4.3461% | 3,339 |
| Cash dividends to net income (ytd only)* | 38.1579% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 880 |
| Loan loss allowance to noncurrent loans | 493.3775% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 5,038 |
| Noncurrent loans to loans | 0.3811% | 3,894 |
| Net loans and leases to total assets | 25.5549% | 5,803 |
| Net loans and leases to deposits | 31.9642% | 5,789 |
| Net loans and leases to core deposits | 33.2623% | 5,789 |
| Total domestic deposits to total assets | 79.9483% | 4,522 |
| Equity capital to assets | 14.9666% | 748 |
| Core capital (leverage) ratio | 14.7811% | 672 |
| Tier 1 risk-based capital ratio | 36.9949% | 288 |
| Total risk-based capital ratio | 38.2384% | 284 |
| Memoranda: | ||
| Average total assets | $149,267,250 | 3,550 |
| Average earning assets | $135,371,000 | 3,579 |
| Average equity | $22,042,750 | 3,002 |
| Average total loans | $39,288,000 | 4,947 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 3,591 |
| Cost of funding earning assets | 0.4544% | 2,529 |
| Net interest margin | 3.4507% | 3,680 |
| Noninterest income to average assets | 0.5812% | 2,716 |
| Noninterest expense to average assets | 2.3288% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3862% | 1,086 |
| Return on assets (ROA) | 1.3862% | 1,148 |
| Pretax return on assets | 1.3862% | 2,079 |
| Return on Equity (ROE) | 9.4305% | 2,308 |
| Retained earnings to average equity (ytd only) | 4.3758% | 3,131 |
| Net charge-offs to loans | -0.0613% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6860% | 4,236 |
| Assets per employee ($millions) | 4.3487% | 3,298 |
| Cash dividends to net income (ytd only)* | 53.5992% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 967 |
| Loan loss allowance to noncurrent loans | 288.1890% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 4,816 |
| Noncurrent loans to loans | 0.6446% | 3,142 |
| Net loans and leases to total assets | 26.1565% | 5,867 |
| Net loans and leases to deposits | 32.5276% | 5,842 |
| Net loans and leases to core deposits | 33.8755% | 5,848 |
| Total domestic deposits to total assets | 80.4134% | 4,446 |
| Equity capital to assets | 15.4123% | 648 |
| Core capital (leverage) ratio | 14.5041% | 711 |
| Tier 1 risk-based capital ratio | 36.8369% | 291 |
| Total risk-based capital ratio | 38.0768% | 288 |
| Memoranda: | ||
| Average total assets | $148,319,000 | 3,582 |
| Average earning assets | $134,696,330 | 3,616 |
| Average equity | $21,801,670 | 3,032 |
| Average total loans | $39,178,330 | 4,996 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 4,190 |
| Cost of funding earning assets | 0.4583% | 2,484 |
| Net interest margin | 3.2760% | 4,315 |
| Noninterest income to average assets | 0.5682% | 2,692 |
| Noninterest expense to average assets | 2.3749% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1767% | 1,625 |
| Return on assets (ROA) | 1.1767% | 1,728 |
| Pretax return on assets | 1.1767% | 2,794 |
| Return on Equity (ROE) | 8.2033% | 2,804 |
| Retained earnings to average equity (ytd only) | -2.1400% | 5,395 |
| Net charge-offs to loans | -0.0717% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8688% | 3,655 |
| Assets per employee ($millions) | 4.3838% | 3,268 |
| Cash dividends to net income (ytd only)* | 126.0870% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 1,019 |
| Loan loss allowance to noncurrent loans | 307.6271% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,942 |
| Noncurrent loans to loans | 0.6066% | 3,358 |
| Net loans and leases to total assets | 25.6137% | 5,924 |
| Net loans and leases to deposits | 31.7309% | 5,905 |
| Net loans and leases to core deposits | 33.0277% | 5,907 |
| Total domestic deposits to total assets | 80.7218% | 4,576 |
| Equity capital to assets | 14.5080% | 836 |
| Core capital (leverage) ratio | 14.2629% | 742 |
| Tier 1 risk-based capital ratio | 35.4353% | 322 |
| Total risk-based capital ratio | 36.6513% | 321 |
| Memoranda: | ||
| Average total assets | $148,550,500 | 3,604 |
| Average earning assets | $135,288,500 | 3,628 |
| Average equity | $21,308,500 | 3,075 |
| Average total loans | $39,064,500 | 5,045 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 4,024 |
| Cost of funding earning assets | 0.4705% | 2,438 |
| Net interest margin | 3.3360% | 4,163 |
| Noninterest income to average assets | 0.6136% | 2,650 |
| Noninterest expense to average assets | 2.7261% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9210% | 2,754 |
| Return on assets (ROA) | 0.9210% | 2,841 |
| Pretax return on assets | 0.9210% | 3,761 |
| Return on Equity (ROE) | 6.4845% | 3,787 |
| Retained earnings to average equity (ytd only) | 2.2783% | 4,427 |
| Net charge-offs to loans | 0.0726% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 45.6333% | 1,068 |
| Efficiency ratio | 74.7464% | 2,471 |
| Assets per employee ($millions) | 4.4864% | 3,066 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 1,095 |
| Loan loss allowance to noncurrent loans | 319.1964% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,986 |
| Noncurrent loans to loans | 0.5710% | 3,462 |
| Net loans and leases to total assets | 26.0118% | 5,975 |
| Net loans and leases to deposits | 32.3935% | 5,964 |
| Net loans and leases to core deposits | 33.7009% | 5,965 |
| Total domestic deposits to total assets | 80.2995% | 4,665 |
| Equity capital to assets | 14.1606% | 878 |
| Core capital (leverage) ratio | 14.3200% | 753 |
| Tier 1 risk-based capital ratio | 35.6668% | 323 |
| Total risk-based capital ratio | 36.8734% | 314 |
| Memoranda: | ||
| Average total assets | $148,637,400 | 3,590 |
| Average earning assets | $135,163,400 | 3,609 |
| Average equity | $21,111,800 | 3,058 |
| Average total loans | $41,324,800 | 4,954 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,984 |
| Cost of funding earning assets | 0.4743% | 2,459 |
| Net interest margin | 3.3594% | 4,106 |
| Noninterest income to average assets | 0.5592% | 2,989 |
| Noninterest expense to average assets | 2.8076% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8047% | 3,408 |
| Return on assets (ROA) | 0.8047% | 3,502 |
| Pretax return on assets | 0.8047% | 4,326 |
| Return on Equity (ROE) | 5.6614% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.0718% | 5,290 |
| Net charge-offs to loans | 0.0637% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 44.8931% | 1,133 |
| Efficiency ratio | 77.7226% | 1,986 |
| Assets per employee ($millions) | 4.3475% | 3,249 |
| Cash dividends to net income (ytd only)* | 81.0691% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 1,232 |
| Loan loss allowance to noncurrent loans | 330.3167% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 5,165 |
| Noncurrent loans to loans | 0.5501% | 3,692 |
| Net loans and leases to total assets | 26.6835% | 6,053 |
| Net loans and leases to deposits | 33.5545% | 6,021 |
| Net loans and leases to core deposits | 34.9223% | 6,030 |
| Total domestic deposits to total assets | 79.5229% | 4,854 |
| Equity capital to assets | 14.5771% | 842 |
| Core capital (leverage) ratio | 14.1670% | 818 |
| Tier 1 risk-based capital ratio | 34.4165% | 365 |
| Total risk-based capital ratio | 35.6212% | 365 |
| Memoranda: | ||
| Average total assets | $148,783,750 | 3,617 |
| Average earning assets | $135,221,000 | 3,647 |
| Average equity | $21,148,500 | 3,076 |
| Average total loans | $41,849,500 | 4,998 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 4,022 |
| Cost of funding earning assets | 0.4746% | 2,474 |
| Net interest margin | 3.3367% | 4,153 |
| Noninterest income to average assets | 0.5473% | 3,056 |
| Noninterest expense to average assets | 2.8275% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7565% | 3,617 |
| Return on assets (ROA) | 0.7565% | 3,713 |
| Pretax return on assets | 0.7565% | 4,466 |
| Return on Equity (ROE) | 5.3674% | 4,443 |
| Retained earnings to average equity (ytd only) | -1.5607% | 5,778 |
| Net charge-offs to loans | 0.0943% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 1,426 |
| Efficiency ratio | 78.8922% | 1,934 |
| Assets per employee ($millions) | 4.3308% | 3,246 |
| Cash dividends to net income (ytd only)* | 129.0780% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 1,429 |
| Loan loss allowance to noncurrent loans | 216.6172% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 4,906 |
| Noncurrent loans to loans | 0.8178% | 3,078 |
| Net loans and leases to total assets | 27.4894% | 6,103 |
| Net loans and leases to deposits | 34.0770% | 6,082 |
| Net loans and leases to core deposits | 35.4477% | 6,077 |
| Total domestic deposits to total assets | 80.6684% | 4,699 |
| Equity capital to assets | 13.7552% | 1,074 |
| Core capital (leverage) ratio | 13.8463% | 888 |
| Tier 1 risk-based capital ratio | 31.7189% | 467 |
| Total risk-based capital ratio | 32.8382% | 467 |
| Memoranda: | ||
| Average total assets | $149,107,000 | 3,641 |
| Average earning assets | $135,704,670 | 3,669 |
| Average equity | $21,015,670 | 3,109 |
| Average total loans | $42,408,670 | 5,015 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 3,662 |
| Cost of funding earning assets | 0.4684% | 2,575 |
| Net interest margin | 3.4219% | 3,748 |
| Noninterest income to average assets | 0.5199% | 3,151 |
| Noninterest expense to average assets | 2.8286% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8078% | 3,218 |
| Return on assets (ROA) | 0.8078% | 3,339 |
| Pretax return on assets | 0.8078% | 4,209 |
| Return on Equity (ROE) | 5.6645% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.6733% | 4,348 |
| Net charge-offs to loans | -0.0279% | 5,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7859% | 2,214 |
| Assets per employee ($millions) | 4.5499% | 2,972 |
| Cash dividends to net income (ytd only)* | 52.8053% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 1,570 |
| Loan loss allowance to noncurrent loans | 350.7042% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 5,282 |
| Noncurrent loans to loans | 0.5036% | 4,070 |
| Net loans and leases to total assets | 27.6707% | 6,143 |
| Net loans and leases to deposits | 34.8259% | 6,102 |
| Net loans and leases to core deposits | 36.3844% | 6,087 |
| Total domestic deposits to total assets | 79.4543% | 5,185 |
| Equity capital to assets | 14.5956% | 806 |
| Core capital (leverage) ratio | 13.8807% | 860 |
| Tier 1 risk-based capital ratio | 32.1153% | 454 |
| Total risk-based capital ratio | 33.2700% | 453 |
| Memoranda: | ||
| Average total assets | $150,037,500 | 3,653 |
| Average earning assets | $136,647,500 | 3,673 |
| Average equity | $21,396,500 | 3,086 |
| Average total loans | $43,009,500 | 5,023 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 3,751 |
| Cost of funding earning assets | 0.5005% | 2,675 |
| Net interest margin | 3.4938% | 3,819 |
| Noninterest income to average assets | 0.5558% | 3,141 |
| Noninterest expense to average assets | 2.4172% | 4,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3075% | 1,291 |
| Return on assets (ROA) | 1.3049% | 1,344 |
| Pretax return on assets | 1.3049% | 2,228 |
| Return on Equity (ROE) | 9.6837% | 2,258 |
| Retained earnings to average equity (ytd only) | 5.4606% | 2,288 |
| Net charge-offs to loans | 0.1249% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 35.2857% | 1,192 |
| Efficiency ratio | 64.8961% | 4,421 |
| Assets per employee ($millions) | 4.5432% | 2,964 |
| Cash dividends to net income (ytd only)* | 43.6105% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 1,774 |
| Loan loss allowance to noncurrent loans | 309.5833% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 5,200 |
| Noncurrent loans to loans | 0.5489% | 4,017 |
| Net loans and leases to total assets | 28.6686% | 6,216 |
| Net loans and leases to deposits | 36.1713% | 6,168 |
| Net loans and leases to core deposits | 37.7943% | 6,157 |
| Total domestic deposits to total assets | 79.2579% | 5,192 |
| Equity capital to assets | 14.5051% | 809 |
| Core capital (leverage) ratio | 13.7160% | 898 |
| Tier 1 risk-based capital ratio | 30.7139% | 485 |
| Total risk-based capital ratio | 31.8217% | 479 |
| Memoranda: | ||
| Average total assets | $151,124,000 | 3,614 |
| Average earning assets | $137,070,400 | 3,645 |
| Average equity | $20,364,200 | 3,122 |
| Average total loans | $44,850,000 | 5,001 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0032% | 3,746 |
| Cost of funding earning assets | 0.5053% | 2,705 |
| Net interest margin | 3.4979% | 3,838 |
| Noninterest income to average assets | 0.5794% | 2,996 |
| Noninterest expense to average assets | 2.3501% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3991% | 1,133 |
| Return on assets (ROA) | 1.3956% | 1,181 |
| Pretax return on assets | 1.3956% | 2,029 |
| Return on Equity (ROE) | 10.5566% | 1,964 |
| Retained earnings to average equity (ytd only) | 4.8287% | 3,197 |
| Net charge-offs to loans | 0.0916% | 2,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 51.2608% | 961 |
| Efficiency ratio | 62.6820% | 4,783 |
| Assets per employee ($millions) | 4.4360% | 3,078 |
| Cash dividends to net income (ytd only)* | 54.2588% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 1,868 |
| Loan loss allowance to noncurrent loans | 320.0000% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 4,841 |
| Noncurrent loans to loans | 0.5422% | 4,304 |
| Net loans and leases to total assets | 28.8378% | 6,291 |
| Net loans and leases to deposits | 36.1880% | 6,237 |
| Net loans and leases to core deposits | 38.3921% | 6,226 |
| Total domestic deposits to total assets | 79.6888% | 5,174 |
| Equity capital to assets | 13.9906% | 1,010 |
| Core capital (leverage) ratio | 13.4550% | 1,016 |
| Tier 1 risk-based capital ratio | 29.7566% | 538 |
| Total risk-based capital ratio | 30.8868% | 536 |
| Memoranda: | ||
| Average total assets | $151,423,250 | 3,635 |
| Average earning assets | $137,221,000 | 3,670 |
| Average equity | $20,018,500 | 3,172 |
| Average total loans | $45,131,250 | 5,042 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,546 |
| Cost of funding earning assets | 0.5054% | 2,779 |
| Net interest margin | 3.5439% | 3,599 |
| Noninterest income to average assets | 0.5646% | 3,018 |
| Noninterest expense to average assets | 2.3611% | 4,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4127% | 1,033 |
| Return on assets (ROA) | 1.4074% | 1,086 |
| Pretax return on assets | 1.4074% | 1,864 |
| Return on Equity (ROE) | 10.8558% | 1,788 |
| Retained earnings to average equity (ytd only) | 2.1060% | 4,841 |
| Net charge-offs to loans | 0.1145% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 41.1923% | 1,034 |
| Efficiency ratio | 62.5655% | 4,933 |
| Assets per employee ($millions) | 4.4747% | 2,960 |
| Cash dividends to net income (ytd only)* | 80.5998% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 2,015 |
| Loan loss allowance to noncurrent loans | 306.3492% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 4,903 |
| Noncurrent loans to loans | 0.5671% | 4,317 |
| Net loans and leases to total assets | 28.7017% | 6,341 |
| Net loans and leases to deposits | 36.1063% | 6,288 |
| Net loans and leases to core deposits | 38.2873% | 6,265 |
| Total domestic deposits to total assets | 79.4921% | 5,347 |
| Equity capital to assets | 13.6078% | 1,122 |
| Core capital (leverage) ratio | 13.1344% | 1,114 |
| Tier 1 risk-based capital ratio | 28.7934% | 596 |
| Total risk-based capital ratio | 29.9227% | 591 |
| Memoranda: | ||
| Average total assets | $151,623,330 | 3,655 |
| Average earning assets | $137,307,330 | 3,686 |
| Average equity | $19,657,670 | 3,210 |
| Average total loans | $45,421,000 | 5,056 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 3,690 |
| Cost of funding earning assets | 0.5146% | 2,763 |
| Net interest margin | 3.4831% | 3,770 |
| Noninterest income to average assets | 0.5497% | 3,048 |
| Noninterest expense to average assets | 2.2092% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5063% | 806 |
| Return on assets (ROA) | 1.4957% | 854 |
| Pretax return on assets | 1.4957% | 1,438 |
| Return on Equity (ROE) | 11.8317% | 1,459 |
| Retained earnings to average equity (ytd only) | 8.5916% | 1,386 |
| Net charge-offs to loans | 0.1481% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 33.5294% | 983 |
| Efficiency ratio | 59.4595% | 5,477 |
| Assets per employee ($millions) | 4.3286% | 3,288 |
| Cash dividends to net income (ytd only)* | 27.3852% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 2,259 |
| Loan loss allowance to noncurrent loans | 137.2822% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 4,565 |
| Noncurrent loans to loans | 1.2587% | 2,932 |
| Net loans and leases to total assets | 29.5809% | 6,368 |
| Net loans and leases to deposits | 36.7005% | 6,292 |
| Net loans and leases to core deposits | 38.6766% | 6,286 |
| Total domestic deposits to total assets | 80.6007% | 5,354 |
| Equity capital to assets | 13.1538% | 1,231 |
| Core capital (leverage) ratio | 13.2395% | 1,075 |
| Tier 1 risk-based capital ratio | 28.2602% | 622 |
| Total risk-based capital ratio | 29.3686% | 620 |
| Memoranda: | ||
| Average total assets | $151,364,500 | 3,686 |
| Average earning assets | $137,578,000 | 3,704 |
| Average equity | $19,135,000 | 3,263 |
| Average total loans | $45,912,000 | 5,080 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 3,350 |
| Cost of funding earning assets | 0.5891% | 2,762 |
| Net interest margin | 3.6110% | 3,418 |
| Noninterest income to average assets | 0.5824% | 3,195 |
| Noninterest expense to average assets | 2.3929% | 5,090 |
| Loan and lease loss provision to assets | 0.0893% | 3,328 |
| Net operating income to assets | 1.3609% | 1,106 |
| Return on assets (ROA) | 1.3715% | 1,128 |
| Pretax return on assets | 1.3996% | 1,779 |
| Return on Equity (ROE) | 10.7641% | 1,840 |
| Retained earnings to average equity (ytd only) | 2.1378% | 4,718 |
| Net charge-offs to loans | 0.4282% | 1,561 |
| Credit loss provision to net charge-offs | 67.6329% | 3,367 |
| Earnings coverage of net charge-offs (x) | 11.1932% | 2,268 |
| Efficiency ratio | 61.8161% | 5,240 |
| Assets per employee ($millions) | 4.3208% | 3,232 |
| Cash dividends to net income (ytd only)* | 80.1395% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 2,262 |
| Loan loss allowance to noncurrent loans | 587.5912% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 5,640 |
| Noncurrent loans to loans | 0.2964% | 5,294 |
| Net loans and leases to total assets | 30.0313% | 6,459 |
| Net loans and leases to deposits | 37.4658% | 6,386 |
| Net loans and leases to core deposits | 39.6844% | 6,374 |
| Total domestic deposits to total assets | 80.1566% | 5,407 |
| Equity capital to assets | 12.1286% | 1,724 |
| Core capital (leverage) ratio | 12.8981% | 1,181 |
| Tier 1 risk-based capital ratio | 27.2668% | 657 |
| Total risk-based capital ratio | 28.3836% | 656 |
| Memoranda: | ||
| Average total assets | $156,757,000 | 3,608 |
| Average earning assets | $142,758,000 | 3,622 |
| Average equity | $19,973,800 | 3,154 |
| Average total loans | $48,337,800 | 5,016 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 3,422 |
| Cost of funding earning assets | 0.6045% | 2,772 |
| Net interest margin | 3.5870% | 3,507 |
| Noninterest income to average assets | 0.5775% | 3,286 |
| Noninterest expense to average assets | 2.2545% | 5,468 |
| Loan and lease loss provision to assets | 0.1012% | 3,077 |
| Net operating income to assets | 1.4518% | 981 |
| Return on assets (ROA) | 1.4518% | 1,030 |
| Pretax return on assets | 1.4889% | 1,646 |
| Return on Equity (ROE) | 11.2647% | 1,720 |
| Retained earnings to average equity (ytd only) | -0.0065% | 5,939 |
| Net charge-offs to loans | 0.3956% | 1,618 |
| Credit loss provision to net charge-offs | 82.7586% | 2,779 |
| Earnings coverage of net charge-offs (x) | 13.0068% | 2,075 |
| Efficiency ratio | 58.6404% | 5,607 |
| Assets per employee ($millions) | 4.3535% | 3,129 |
| Cash dividends to net income (ytd only)* | 100.0584% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 2,330 |
| Loan loss allowance to noncurrent loans | 329.1829% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 5,650 |
| Noncurrent loans to loans | 0.5443% | 4,834 |
| Net loans and leases to total assets | 30.4347% | 6,518 |
| Net loans and leases to deposits | 38.1230% | 6,441 |
| Net loans and leases to core deposits | 40.3716% | 6,437 |
| Total domestic deposits to total assets | 79.8329% | 5,550 |
| Equity capital to assets | 11.8007% | 2,049 |
| Core capital (leverage) ratio | 12.5504% | 1,398 |
| Tier 1 risk-based capital ratio | 26.2274% | 771 |
| Total risk-based capital ratio | 27.3833% | 763 |
| Memoranda: | ||
| Average total assets | $158,139,000 | 3,624 |
| Average earning assets | $144,035,500 | 3,636 |
| Average equity | $20,381,750 | 3,147 |
| Average total loans | $48,867,000 | 5,051 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 3,645 |
| Cost of funding earning assets | 0.6167% | 2,794 |
| Net interest margin | 3.5072% | 3,753 |
| Noninterest income to average assets | 0.5673% | 3,402 |
| Noninterest expense to average assets | 2.2079% | 5,612 |
| Loan and lease loss provision to assets | 0.1499% | 2,454 |
| Net operating income to assets | 1.3595% | 1,170 |
| Return on assets (ROA) | 1.3595% | 1,254 |
| Pretax return on assets | 1.4145% | 1,878 |
| Return on Equity (ROE) | 10.2729% | 2,093 |
| Retained earnings to average equity (ytd only) | -5.9957% | 6,516 |
| Net charge-offs to loans | 0.4897% | 1,337 |
| Credit loss provision to net charge-offs | 99.1736% | 2,262 |
| Earnings coverage of net charge-offs (x) | 10.3471% | 2,162 |
| Efficiency ratio | 58.5293% | 5,664 |
| Assets per employee ($millions) | 4.5699% | 2,696 |
| Cash dividends to net income (ytd only)* | 158.3640% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 2,403 |
| Loan loss allowance to noncurrent loans | 182.1803% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 5,256 |
| Noncurrent loans to loans | 0.9936% | 3,947 |
| Net loans and leases to total assets | 30.3363% | 6,568 |
| Net loans and leases to deposits | 37.8642% | 6,492 |
| Net loans and leases to core deposits | 40.5060% | 6,450 |
| Total domestic deposits to total assets | 80.1188% | 5,580 |
| Equity capital to assets | 11.6484% | 2,174 |
| Core capital (leverage) ratio | 11.5299% | 1,912 |
| Tier 1 risk-based capital ratio | 24.9815% | 874 |
| Total risk-based capital ratio | 26.1509% | 868 |
| Memoranda: | ||
| Average total assets | $160,061,330 | 3,608 |
| Average earning assets | $146,271,000 | 3,625 |
| Average equity | $21,182,000 | 3,076 |
| Average total loans | $49,416,000 | 5,047 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 3,802 |
| Cost of funding earning assets | 0.6299% | 2,847 |
| Net interest margin | 3.4509% | 3,903 |
| Noninterest income to average assets | 0.5172% | 3,657 |
| Noninterest expense to average assets | 2.1330% | 5,837 |
| Loan and lease loss provision to assets | 0.1478% | 2,400 |
| Net operating income to assets | 1.2857% | 1,321 |
| Return on assets (ROA) | 1.2857% | 1,421 |
| Pretax return on assets | 1.3941% | 1,875 |
| Return on Equity (ROE) | 9.1887% | 2,398 |
| Retained earnings to average equity (ytd only) | 6.4603% | 2,426 |
| Net charge-offs to loans | 0.6225% | 978 |
| Credit loss provision to net charge-offs | 76.9231% | 2,196 |
| Earnings coverage of net charge-offs (x) | 8.0256% | 1,989 |
| Efficiency ratio | 58.0429% | 5,844 |
| Assets per employee ($millions) | 4.7746% | 2,533 |
| Cash dividends to net income (ytd only)* | 29.6935% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 2,906 |
| Loan loss allowance to noncurrent loans | 247.5219% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 5,787 |
| Noncurrent loans to loans | 0.6966% | 4,734 |
| Net loans and leases to total assets | 29.8096% | 6,613 |
| Net loans and leases to deposits | 38.5517% | 6,483 |
| Net loans and leases to core deposits | 41.3134% | 6,424 |
| Total domestic deposits to total assets | 77.3237% | 6,214 |
| Equity capital to assets | 14.1551% | 978 |
| Core capital (leverage) ratio | 12.1521% | 1,489 |
| Tier 1 risk-based capital ratio | 25.7538% | 813 |
| Total risk-based capital ratio | 26.8754% | 812 |
| Memoranda: | ||
| Average total assets | $162,403,000 | 3,609 |
| Average earning assets | $148,599,500 | 3,619 |
| Average equity | $22,723,500 | 2,957 |
| Average total loans | $50,121,500 | 5,055 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 3,776 |
| Cost of funding earning assets | 0.8846% | 2,037 |
| Net interest margin | 3.5244% | 4,400 |
| Noninterest income to average assets | 0.5732% | 3,430 |
| Noninterest expense to average assets | 2.4643% | 5,211 |
| Loan and lease loss provision to assets | 0.1413% | 3,839 |
| Net operating income to assets | 1.1809% | 1,660 |
| Return on assets (ROA) | 2.2830% | 234 |
| Pretax return on assets | 2.2996% | 341 |
| Return on Equity (ROE) | 16.3576% | 606 |
| Retained earnings to average equity (ytd only) | 3.8165% | 3,523 |
| Net charge-offs to loans | 0.4216% | 2,549 |
| Credit loss provision to net charge-offs | 99.5671% | 3,114 |
| Earnings coverage of net charge-offs (x) | 9.3550% | 2,272 |
| Efficiency ratio | 64.9870% | 4,707 |
| Assets per employee ($millions) | 4.9233% | 2,326 |
| Cash dividends to net income (ytd only)* | 76.6685% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 2,919 |
| Loan loss allowance to noncurrent loans | 228.0840% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 5,520 |
| Noncurrent loans to loans | 0.7470% | 4,685 |
| Net loans and leases to total assets | 30.8570% | 6,670 |
| Net loans and leases to deposits | 39.5100% | 6,573 |
| Net loans and leases to core deposits | 42.3915% | 6,530 |
| Total domestic deposits to total assets | 78.0992% | 6,065 |
| Equity capital to assets | 13.8291% | 1,109 |
| Core capital (leverage) ratio | 11.5401% | 1,850 |
| Tier 1 risk-based capital ratio | 24.6998% | 883 |
| Total risk-based capital ratio | 25.8318% | 883 |
| Memoranda: | ||
| Average total assets | $162,765,800 | 3,573 |
| Average earning assets | $148,647,400 | 3,584 |
| Average equity | $22,717,200 | 2,884 |
| Average total loans | $54,797,200 | 4,907 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 3,722 |
| Cost of funding earning assets | 0.9334% | 1,959 |
| Net interest margin | 3.5453% | 4,458 |
| Noninterest income to average assets | 0.5912% | 3,340 |
| Noninterest expense to average assets | 2.4236% | 5,328 |
| Loan and lease loss provision to assets | 0.1392% | 3,800 |
| Net operating income to assets | 1.2594% | 1,544 |
| Return on assets (ROA) | 2.7282% | 142 |
| Pretax return on assets | 2.7495% | 200 |
| Return on Equity (ROE) | 19.5024% | 363 |
| Retained earnings to average equity (ytd only) | 14.6151% | 262 |
| Net charge-offs to loans | 0.4712% | 2,210 |
| Credit loss provision to net charge-offs | 86.2944% | 3,422 |
| Earnings coverage of net charge-offs (x) | 8.7107% | 2,408 |
| Efficiency ratio | 63.3020% | 4,926 |
| Assets per employee ($millions) | 4.9992% | 2,196 |
| Cash dividends to net income (ytd only)* | 25.0601% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 3,585 |
| Loan loss allowance to noncurrent loans | 240.1709% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 5,776 |
| Noncurrent loans to loans | 0.6597% | 5,122 |
| Net loans and leases to total assets | 31.7411% | 6,757 |
| Net loans and leases to deposits | 41.3820% | 6,630 |
| Net loans and leases to core deposits | 43.8042% | 6,605 |
| Total domestic deposits to total assets | 76.7027% | 6,281 |
| Equity capital to assets | 14.7480% | 884 |
| Core capital (leverage) ratio | 12.3687% | 1,461 |
| Tier 1 risk-based capital ratio | 26.0182% | 826 |
| Total risk-based capital ratio | 27.0990% | 826 |
| Memoranda: | ||
| Average total assets | $162,840,000 | 3,606 |
| Average earning assets | $148,698,250 | 3,616 |
| Average equity | $22,779,500 | 2,900 |
| Average total loans | $55,746,000 | 4,926 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 3,420 |
| Cost of funding earning assets | 0.9817% | 1,871 |
| Net interest margin | 3.6068% | 4,226 |
| Noninterest income to average assets | 0.5687% | 3,461 |
| Noninterest expense to average assets | 2.5659% | 4,899 |
| Loan and lease loss provision to assets | 0.1357% | 3,829 |
| Net operating income to assets | 1.1523% | 1,873 |
| Return on assets (ROA) | 3.3652% | 82 |
| Pretax return on assets | 3.3973% | 118 |
| Return on Equity (ROE) | 24.5074% | 160 |
| Retained earnings to average equity (ytd only) | 17.0060% | 181 |
| Net charge-offs to loans | 0.4382% | 2,289 |
| Credit loss provision to net charge-offs | 88.7097% | 3,086 |
| Earnings coverage of net charge-offs (x) | 8.4839% | 2,289 |
| Efficiency ratio | 66.4112% | 4,455 |
| Assets per employee ($millions) | 4.8810% | 2,315 |
| Cash dividends to net income (ytd only)* | 30.6085% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 3,747 |
| Loan loss allowance to noncurrent loans | 159.5547% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 5,537 |
| Noncurrent loans to loans | 0.9775% | 4,562 |
| Net loans and leases to total assets | 32.7089% | 6,785 |
| Net loans and leases to deposits | 42.0312% | 6,647 |
| Net loans and leases to core deposits | 44.1878% | 6,655 |
| Total domestic deposits to total assets | 77.8205% | 6,187 |
| Equity capital to assets | 13.8815% | 1,152 |
| Core capital (leverage) ratio | 11.8117% | 1,718 |
| Tier 1 risk-based capital ratio | 25.0891% | 893 |
| Total risk-based capital ratio | 26.1795% | 896 |
| Memoranda: | ||
| Average total assets | $162,129,330 | 3,626 |
| Average earning assets | $148,111,000 | 3,639 |
| Average equity | $22,262,670 | 2,953 |
| Average total loans | $56,592,330 | 4,928 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 2,133 |
| Cost of funding earning assets | 1.0546% | 1,647 |
| Net interest margin | 3.8759% | 3,025 |
| Noninterest income to average assets | 0.5742% | 3,389 |
| Noninterest expense to average assets | 2.6090% | 4,783 |
| Loan and lease loss provision to assets | 0.1248% | 3,786 |
| Net operating income to assets | 1.3457% | 1,333 |
| Return on assets (ROA) | 5.8696% | 42 |
| Pretax return on assets | 5.8970% | 50 |
| Return on Equity (ROE) | 42.9887% | 42 |
| Retained earnings to average equity (ytd only) | 40.2094% | 32 |
| Net charge-offs to loans | 0.5723% | 1,657 |
| Credit loss provision to net charge-offs | 60.9756% | 3,093 |
| Earnings coverage of net charge-offs (x) | 7.3171% | 2,089 |
| Efficiency ratio | 63.5258% | 5,014 |
| Assets per employee ($millions) | 4.5266% | 2,945 |
| Cash dividends to net income (ytd only)* | 6.4653% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 4,215 |
| Loan loss allowance to noncurrent loans | 126.2369% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 5,284 |
| Noncurrent loans to loans | 1.1800% | 4,363 |
| Net loans and leases to total assets | 34.1706% | 6,727 |
| Net loans and leases to deposits | 43.9058% | 6,566 |
| Net loans and leases to core deposits | 46.0609% | 6,566 |
| Total domestic deposits to total assets | 77.8269% | 6,289 |
| Equity capital to assets | 13.8740% | 1,062 |
| Core capital (leverage) ratio | 12.5630% | 1,310 |
| Tier 1 risk-based capital ratio | 25.2523% | 880 |
| Total risk-based capital ratio | 26.3106% | 888 |
| Memoranda: | ||
| Average total assets | $160,216,500 | 3,685 |
| Average earning assets | $146,029,500 | 3,699 |
| Average equity | $21,875,500 | 2,988 |
| Average total loans | $57,317,500 | 4,927 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 1,689 |
| Cost of funding earning assets | 1.1737% | 2,199 |
| Net interest margin | 4.1299% | 2,308 |
| Noninterest income to average assets | 0.4854% | 3,957 |
| Noninterest expense to average assets | 2.7314% | 4,614 |
| Loan and lease loss provision to assets | 0.0784% | 5,631 |
| Net operating income to assets | 1.3982% | 1,035 |
| Return on assets (ROA) | 1.4052% | 1,102 |
| Pretax return on assets | 1.4274% | 1,692 |
| Return on Equity (ROE) | 11.2431% | 1,635 |
| Retained earnings to average equity (ytd only) | 2.5350% | 4,423 |
| Net charge-offs to loans | 0.1954% | 4,580 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 19.1167% | 1,180 |
| Efficiency ratio | 64.5714% | 5,023 |
| Assets per employee ($millions) | 4.3743% | 3,110 |
| Cash dividends to net income (ytd only)* | 77.4523% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 4,001 |
| Loan loss allowance to noncurrent loans | 368.7764% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 6,051 |
| Noncurrent loans to loans | 0.4079% | 5,899 |
| Net loans and leases to total assets | 36.3457% | 6,743 |
| Net loans and leases to deposits | 46.7469% | 6,585 |
| Net loans and leases to core deposits | 49.2378% | 6,573 |
| Total domestic deposits to total assets | 77.7500% | 6,241 |
| Equity capital to assets | 13.4257% | 1,307 |
| Core capital (leverage) ratio | 11.4374% | 1,937 |
| Tier 1 risk-based capital ratio | 20.4002% | 1,546 |
| Total risk-based capital ratio | 21.3966% | 1,573 |
| Memoranda: | ||
| Average total assets | $153,071,400 | 3,752 |
| Average earning assets | $138,792,600 | 3,766 |
| Average equity | $19,131,800 | 3,260 |
| Average total loans | $61,397,800 | 4,816 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 1,755 |
| Cost of funding earning assets | 1.1931% | 2,363 |
| Net interest margin | 4.1376% | 2,320 |
| Noninterest income to average assets | 0.4852% | 3,997 |
| Noninterest expense to average assets | 2.5996% | 5,079 |
| Loan and lease loss provision to assets | 0.0790% | 5,458 |
| Net operating income to assets | 1.5582% | 833 |
| Return on assets (ROA) | 1.5678% | 894 |
| Pretax return on assets | 1.5678% | 1,466 |
| Return on Equity (ROE) | 12.7896% | 1,333 |
| Retained earnings to average equity (ytd only) | 8.7387% | 1,238 |
| Net charge-offs to loans | 0.1993% | 4,204 |
| Credit loss provision to net charge-offs | 96.7742% | 3,539 |
| Earnings coverage of net charge-offs (x) | 20.0640% | 1,239 |
| Efficiency ratio | 61.3585% | 5,509 |
| Assets per employee ($millions) | 4.3086% | 3,257 |
| Cash dividends to net income (ytd only)* | 31.6732% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 4,256 |
| Loan loss allowance to noncurrent loans | 173.8523% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 5,196 |
| Noncurrent loans to loans | 0.8447% | 5,180 |
| Net loans and leases to total assets | 37.6767% | 6,790 |
| Net loans and leases to deposits | 48.5213% | 6,599 |
| Net loans and leases to core deposits | 51.3889% | 6,600 |
| Total domestic deposits to total assets | 77.6499% | 6,264 |
| Equity capital to assets | 14.3538% | 1,038 |
| Core capital (leverage) ratio | 12.1851% | 1,601 |
| Tier 1 risk-based capital ratio | 21.6181% | 1,350 |
| Total risk-based capital ratio | 22.6289% | 1,360 |
| Memoranda: | ||
| Average total assets | $151,970,750 | 3,793 |
| Average earning assets | $137,791,250 | 3,804 |
| Average equity | $18,629,250 | 3,334 |
| Average total loans | $62,220,000 | 4,826 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 1,715 |
| Cost of funding earning assets | 1.2167% | 2,465 |
| Net interest margin | 4.1352% | 2,283 |
| Noninterest income to average assets | 0.5128% | 3,762 |
| Noninterest expense to average assets | 2.6676% | 4,947 |
| Loan and lease loss provision to assets | 0.0795% | 5,318 |
| Net operating income to assets | 1.5173% | 852 |
| Return on assets (ROA) | 1.5186% | 912 |
| Pretax return on assets | 1.5186% | 1,475 |
| Return on Equity (ROE) | 13.1591% | 1,166 |
| Retained earnings to average equity (ytd only) | 6.6599% | 2,042 |
| Net charge-offs to loans | 0.1583% | 4,230 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 24.1000% | 1,072 |
| Efficiency ratio | 62.5544% | 5,489 |
| Assets per employee ($millions) | 4.3650% | 3,051 |
| Cash dividends to net income (ytd only)* | 49.3892% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 4,398 |
| Loan loss allowance to noncurrent loans | 163.4011% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 5,567 |
| Noncurrent loans to loans | 0.8810% | 5,203 |
| Net loans and leases to total assets | 39.6145% | 6,774 |
| Net loans and leases to deposits | 50.8149% | 6,546 |
| Net loans and leases to core deposits | 53.5873% | 6,587 |
| Total domestic deposits to total assets | 77.9584% | 6,297 |
| Equity capital to assets | 12.7338% | 1,655 |
| Core capital (leverage) ratio | 11.7553% | 1,745 |
| Tier 1 risk-based capital ratio | 21.2578% | 1,373 |
| Total risk-based capital ratio | 22.3024% | 1,388 |
| Memoranda: | ||
| Average total assets | $150,924,670 | 3,832 |
| Average earning assets | $136,923,000 | 3,838 |
| Average equity | $17,417,670 | 3,507 |
| Average total loans | $63,189,670 | 4,823 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 1,680 |
| Cost of funding earning assets | 1.2514% | 2,496 |
| Net interest margin | 4.1156% | 2,212 |
| Noninterest income to average assets | 0.4373% | 4,389 |
| Noninterest expense to average assets | 2.6693% | 4,964 |
| Loan and lease loss provision to assets | 0.0800% | 5,007 |
| Net operating income to assets | 1.4240% | 1,025 |
| Return on assets (ROA) | 1.4240% | 1,057 |
| Pretax return on assets | 1.4240% | 1,660 |
| Return on Equity (ROE) | 13.0248% | 1,189 |
| Retained earnings to average equity (ytd only) | 8.1954% | 1,667 |
| Net charge-offs to loans | 0.1248% | 3,774 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 866 |
| Efficiency ratio | 63.9617% | 5,369 |
| Assets per employee ($millions) | 4.3544% | 3,124 |
| Cash dividends to net income (ytd only)* | 37.0787% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 4,628 |
| Loan loss allowance to noncurrent loans | 145.1560% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 5,542 |
| Noncurrent loans to loans | 0.9696% | 5,104 |
| Net loans and leases to total assets | 40.6328% | 6,735 |
| Net loans and leases to deposits | 51.4909% | 6,514 |
| Net loans and leases to core deposits | 54.7664% | 6,506 |
| Total domestic deposits to total assets | 78.9126% | 6,214 |
| Equity capital to assets | 10.9433% | 2,746 |
| Core capital (leverage) ratio | 11.9000% | 1,615 |
| Tier 1 risk-based capital ratio | 21.2716% | 1,352 |
| Total risk-based capital ratio | 22.3313% | 1,349 |
| Memoranda: | ||
| Average total assets | $149,999,500 | 3,876 |
| Average earning assets | $136,163,500 | 3,895 |
| Average equity | $16,399,500 | 3,651 |
| Average total loans | $64,082,000 | 4,835 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4383% | 2,510 |
| Cost of funding earning assets | 1.6619% | 1,767 |
| Net interest margin | 3.7764% | 4,049 |
| Noninterest income to average assets | 0.5411% | 3,878 |
| Noninterest expense to average assets | 2.7658% | 4,724 |
| Loan and lease loss provision to assets | 0.0798% | 6,356 |
| Net operating income to assets | 1.0670% | 1,820 |
| Return on assets (ROA) | 1.0708% | 1,888 |
| Pretax return on assets | 1.1207% | 2,504 |
| Return on Equity (ROE) | 9.8436% | 1,989 |
| Retained earnings to average equity (ytd only) | 4.1122% | 2,974 |
| Net charge-offs to loans | 0.2262% | 4,933 |
| Credit loss provision to net charge-offs | 78.4314% | 5,616 |
| Earnings coverage of net charge-offs (x) | 11.7647% | 1,577 |
| Efficiency ratio | 69.8037% | 4,215 |
| Assets per employee ($millions) | 4.2170% | 3,356 |
| Cash dividends to net income (ytd only)* | 58.2247% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,813 |
| Loan loss allowance to noncurrent loans | 242.1053% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 5,810 |
| Noncurrent loans to loans | 0.5524% | 5,945 |
| Net loans and leases to total assets | 43.6871% | 6,739 |
| Net loans and leases to deposits | 52.9592% | 6,677 |
| Net loans and leases to core deposits | 56.5793% | 6,663 |
| Total domestic deposits to total assets | 82.4920% | 5,025 |
| Equity capital to assets | 10.9225% | 2,755 |
| Core capital (leverage) ratio | 11.5131% | 1,825 |
| Tier 1 risk-based capital ratio | 20.5916% | 1,383 |
| Total risk-based capital ratio | 21.6254% | 1,398 |
| Memoranda: | ||
| Average total assets | $150,442,000 | 3,864 |
| Average earning assets | $136,292,600 | 3,892 |
| Average equity | $16,366,000 | 3,696 |
| Average total loans | $67,653,000 | 4,761 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4045% | 2,860 |
| Cost of funding earning assets | 1.7525% | 1,614 |
| Net interest margin | 3.6520% | 4,626 |
| Noninterest income to average assets | 0.6086% | 3,383 |
| Noninterest expense to average assets | 2.7442% | 4,704 |
| Loan and lease loss provision to assets | 0.0794% | 6,252 |
| Net operating income to assets | 1.0253% | 2,153 |
| Return on assets (ROA) | 1.0303% | 2,242 |
| Pretax return on assets | 1.0973% | 2,836 |
| Return on Equity (ROE) | 9.4799% | 2,325 |
| Retained earnings to average equity (ytd only) | 1.8668% | 5,025 |
| Net charge-offs to loans | 0.1348% | 5,219 |
| Credit loss provision to net charge-offs | 130.4348% | 3,097 |
| Earnings coverage of net charge-offs (x) | 19.2459% | 1,216 |
| Efficiency ratio | 70.0834% | 4,046 |
| Assets per employee ($millions) | 4.3010% | 3,254 |
| Cash dividends to net income (ytd only)* | 80.3087% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,456 |
| Loan loss allowance to noncurrent loans | 140.7576% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 5,517 |
| Noncurrent loans to loans | 0.9946% | 5,248 |
| Net loans and leases to total assets | 43.4640% | 6,878 |
| Net loans and leases to deposits | 53.5101% | 6,800 |
| Net loans and leases to core deposits | 57.0073% | 6,789 |
| Total domestic deposits to total assets | 81.2258% | 5,290 |
| Equity capital to assets | 10.8340% | 3,133 |
| Core capital (leverage) ratio | 11.2035% | 2,125 |
| Tier 1 risk-based capital ratio | 20.7802% | 1,400 |
| Total risk-based capital ratio | 21.9181% | 1,395 |
| Memoranda: | ||
| Average total assets | $151,153,750 | 3,910 |
| Average earning assets | $136,870,250 | 3,920 |
| Average equity | $16,427,250 | 3,736 |
| Average total loans | $68,227,750 | 4,818 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 2,816 |
| Cost of funding earning assets | 1.8214% | 1,558 |
| Net interest margin | 3.6150% | 4,755 |
| Noninterest income to average assets | 0.6369% | 3,085 |
| Noninterest expense to average assets | 2.4987% | 5,722 |
| Loan and lease loss provision to assets | 0.0793% | 6,147 |
| Net operating income to assets | 1.2977% | 1,314 |
| Return on assets (ROA) | 1.3042% | 1,357 |
| Pretax return on assets | 1.3359% | 1,989 |
| Return on Equity (ROE) | 11.9879% | 1,462 |
| Retained earnings to average equity (ytd only) | 0.5951% | 5,522 |
| Net charge-offs to loans | 0.0784% | 5,354 |
| Credit loss provision to net charge-offs | 222.2222% | 1,750 |
| Earnings coverage of net charge-offs (x) | 39.4815% | 735 |
| Efficiency ratio | 63.9499% | 5,345 |
| Assets per employee ($millions) | 4.3564% | 3,122 |
| Cash dividends to net income (ytd only)* | 95.0355% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,484 |
| Loan loss allowance to noncurrent loans | 239.1858% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 5,854 |
| Noncurrent loans to loans | 0.5801% | 6,089 |
| Net loans and leases to total assets | 43.8170% | 6,934 |
| Net loans and leases to deposits | 53.7434% | 6,881 |
| Net loans and leases to core deposits | 57.6669% | 6,853 |
| Total domestic deposits to total assets | 81.5301% | 5,187 |
| Equity capital to assets | 11.2307% | 2,661 |
| Core capital (leverage) ratio | 11.0543% | 2,199 |
| Tier 1 risk-based capital ratio | 21.8500% | 1,228 |
| Total risk-based capital ratio | 23.0738% | 1,205 |
| Memoranda: | ||
| Average total assets | $151,359,670 | 3,930 |
| Average earning assets | $136,928,670 | 3,954 |
| Average equity | $16,466,670 | 3,726 |
| Average total loans | $68,851,000 | 4,830 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 3,679 |
| Cost of funding earning assets | 1.8816% | 1,527 |
| Net interest margin | 3.3909% | 5,616 |
| Noninterest income to average assets | 0.6658% | 2,842 |
| Noninterest expense to average assets | 2.5331% | 5,606 |
| Loan and lease loss provision to assets | 0.0796% | 5,847 |
| Net operating income to assets | 1.0591% | 1,967 |
| Return on assets (ROA) | 1.0716% | 1,997 |
| Pretax return on assets | 1.1353% | 2,606 |
| Return on Equity (ROE) | 10.0136% | 2,100 |
| Retained earnings to average equity (ytd only) | -13.2358% | 7,136 |
| Net charge-offs to loans | 0.0231% | 5,254 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 113.2500% | 288 |
| Efficiency ratio | 67.8267% | 4,752 |
| Assets per employee ($millions) | 4.3605% | 3,191 |
| Cash dividends to net income (ytd only)* | 232.1782% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,641 |
| Loan loss allowance to noncurrent loans | 79.6249% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 5,143 |
| Noncurrent loans to loans | 1.7044% | 4,188 |
| Net loans and leases to total assets | 44.4816% | 6,955 |
| Net loans and leases to deposits | 54.1174% | 6,910 |
| Net loans and leases to core deposits | 57.4259% | 6,910 |
| Total domestic deposits to total assets | 82.1945% | 4,983 |
| Equity capital to assets | 10.3777% | 3,369 |
| Core capital (leverage) ratio | 10.7636% | 2,401 |
| Tier 1 risk-based capital ratio | 21.1394% | 1,318 |
| Total risk-based capital ratio | 22.3581% | 1,300 |
| Memoranda: | ||
| Average total assets | $150,802,000 | 3,997 |
| Average earning assets | $136,482,500 | 4,023 |
| Average equity | $16,138,000 | 3,810 |
| Average total loans | $69,401,500 | 4,887 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 3,924 |
| Cost of funding earning assets | 2.2616% | 1,797 |
| Net interest margin | 3.2791% | 5,824 |
| Noninterest income to average assets | 0.6000% | 3,632 |
| Noninterest expense to average assets | 2.9779% | 4,242 |
| Loan and lease loss provision to assets | 0.0712% | 6,866 |
| Net operating income to assets | 0.4160% | 4,063 |
| Return on assets (ROA) | 0.8149% | 2,563 |
| Pretax return on assets | 1.0492% | 2,417 |
| Return on Equity (ROE) | 7.6039% | 2,539 |
| Retained earnings to average equity (ytd only) | 5.3693% | 1,641 |
| Net charge-offs to loans | 0.1447% | 5,790 |
| Credit loss provision to net charge-offs | 103.7736% | 5,321 |
| Earnings coverage of net charge-offs (x) | 8.8774% | 1,873 |
| Efficiency ratio | 83.0206% | 2,472 |
| Assets per employee ($millions) | 4.1386% | 3,543 |
| Cash dividends to net income (ytd only)* | 29.3884% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 4,784 |
| Loan loss allowance to noncurrent loans | 67.1598% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 4,582 |
| Noncurrent loans to loans | 1.9319% | 3,755 |
| Net loans and leases to total assets | 46.3628% | 6,941 |
| Net loans and leases to deposits | 57.2500% | 6,831 |
| Net loans and leases to core deposits | 76.1384% | 6,389 |
| Total domestic deposits to total assets | 80.9830% | 5,347 |
| Equity capital to assets | 11.0331% | 2,686 |
| Core capital (leverage) ratio | 11.1653% | 2,132 |
| Tier 1 risk-based capital ratio | 22.1855% | 1,127 |
| Total risk-based capital ratio | 23.3893% | 1,110 |
| Memoranda: | ||
| Average total assets | $154,505,200 | 3,889 |
| Average earning assets | $140,739,000 | 3,887 |
| Average equity | $16,557,200 | 3,769 |
| Average total loans | $73,266,800 | 4,760 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5635% | 4,073 |
| Cost of funding earning assets | 2.3366% | 1,855 |
| Net interest margin | 3.2269% | 5,927 |
| Noninterest income to average assets | 0.6115% | 3,610 |
| Noninterest expense to average assets | 3.0680% | 3,777 |
| Loan and lease loss provision to assets | 0.0684% | 6,679 |
| Net operating income to assets | 0.2995% | 4,793 |
| Return on assets (ROA) | 0.7860% | 2,935 |
| Pretax return on assets | 1.0957% | 2,590 |
| Return on Equity (ROE) | 7.3871% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.3871% | 1,358 |
| Net charge-offs to loans | -0.0612% | 7,878 |
| Credit loss provision to net charge-offs | -235.2941% | 7,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2674% | 2,032 |
| Assets per employee ($millions) | 3.9541% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 3,864 |
| Loan loss allowance to noncurrent loans | 116.2100% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0289% | 5,019 |
| Noncurrent loans to loans | 1.2180% | 4,911 |
| Net loans and leases to total assets | 47.1884% | 7,015 |
| Net loans and leases to deposits | 58.7651% | 6,913 |
| Net loans and leases to core deposits | 80.5569% | 6,297 |
| Total domestic deposits to total assets | 80.3002% | 5,332 |
| Equity capital to assets | 11.2928% | 2,754 |
| Core capital (leverage) ratio | 11.0876% | 2,344 |
| Tier 1 risk-based capital ratio | 22.3072% | 1,185 |
| Total risk-based capital ratio | 23.5580% | 1,169 |
| Memoranda: | ||
| Average total assets | $155,884,500 | 3,878 |
| Average earning assets | $142,257,250 | 3,885 |
| Average equity | $16,587,000 | 3,789 |
| Average total loans | $74,087,750 | 4,771 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 3,429 |
| Cost of funding earning assets | 2.4201% | 1,880 |
| Net interest margin | 3.3012% | 5,548 |
| Noninterest income to average assets | 0.6022% | 3,678 |
| Noninterest expense to average assets | 3.2340% | 3,217 |
| Loan and lease loss provision to assets | 0.0634% | 6,577 |
| Net operating income to assets | 0.2123% | 5,221 |
| Return on assets (ROA) | 0.8633% | 2,702 |
| Pretax return on assets | 1.3223% | 1,959 |
| Return on Equity (ROE) | 8.2746% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.2746% | 1,126 |
| Net charge-offs to loans | -0.1551% | 8,006 |
| Credit loss provision to net charge-offs | -86.2069% | 6,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3833% | 1,873 |
| Assets per employee ($millions) | 3.8835% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 3,822 |
| Loan loss allowance to noncurrent loans | 146.6667% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 5,460 |
| Noncurrent loans to loans | 0.9431% | 5,337 |
| Net loans and leases to total assets | 47.6356% | 7,065 |
| Net loans and leases to deposits | 59.0835% | 6,959 |
| Net loans and leases to core deposits | 79.5273% | 6,444 |
| Total domestic deposits to total assets | 80.6243% | 5,219 |
| Equity capital to assets | 10.7924% | 3,123 |
| Core capital (leverage) ratio | 10.8656% | 2,515 |
| Tier 1 risk-based capital ratio | 22.1097% | 1,236 |
| Total risk-based capital ratio | 23.3378% | 1,210 |
| Memoranda: | ||
| Average total assets | $157,761,000 | 3,867 |
| Average earning assets | $144,127,670 | 3,856 |
| Average equity | $16,460,000 | 3,822 |
| Average total loans | $74,810,000 | 4,782 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9677% | 2,492 |
| Cost of funding earning assets | 2.6042% | 1,553 |
| Net interest margin | 3.3635% | 5,273 |
| Noninterest income to average assets | 0.6165% | 3,431 |
| Noninterest expense to average assets | 3.8804% | 1,334 |
| Loan and lease loss provision to assets | 0.0746% | 6,024 |
| Net operating income to assets | -0.3157% | 6,697 |
| Return on assets (ROA) | -0.2511% | 6,697 |
| Pretax return on assets | -0.2014% | 6,575 |
| Return on Equity (ROE) | -2.4460% | 6,717 |
| Retained earnings to average equity (ytd only) | -2.4460% | 6,182 |
| Net charge-offs to loans | -0.0899% | 7,848 |
| Credit loss provision to net charge-offs | -176.4706% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1887% | 946 |
| Assets per employee ($millions) | 3.9698% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 4,258 |
| Loan loss allowance to noncurrent loans | 129.7814% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 5,301 |
| Noncurrent loans to loans | 0.9802% | 5,035 |
| Net loans and leases to total assets | 47.6231% | 7,054 |
| Net loans and leases to deposits | 59.9819% | 6,895 |
| Net loans and leases to core deposits | 80.4660% | 6,349 |
| Total domestic deposits to total assets | 79.3957% | 5,575 |
| Equity capital to assets | 10.7575% | 3,228 |
| Core capital (leverage) ratio | 9.7683% | 3,672 |
| Tier 1 risk-based capital ratio | 21.1507% | 1,427 |
| Total risk-based capital ratio | 22.4013% | 1,395 |
| Memoranda: | ||
| Average total assets | $160,912,500 | 3,819 |
| Average earning assets | $146,990,500 | 3,812 |
| Average equity | $16,517,000 | 3,835 |
| Average total loans | $75,635,000 | 4,775 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0512% | 5,294 |
| Cost of funding earning assets | 3.0380% | 1,720 |
| Net interest margin | 3.0132% | 6,878 |
| Noninterest income to average assets | 0.6038% | 3,819 |
| Noninterest expense to average assets | 2.2998% | 6,704 |
| Loan and lease loss provision to assets | 0.0539% | 6,742 |
| Net operating income to assets | 0.7558% | 3,640 |
| Return on assets (ROA) | 0.7504% | 3,503 |
| Pretax return on assets | 1.0000% | 3,385 |
| Return on Equity (ROE) | 8.1213% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.4737% | 992 |
| Net charge-offs to loans | 0.0768% | 5,661 |
| Credit loss provision to net charge-offs | 147.5410% | 3,578 |
| Earnings coverage of net charge-offs (x) | 29.0656% | 1,194 |
| Efficiency ratio | 68.4295% | 4,650 |
| Assets per employee ($millions) | 4.7715% | 2,213 |
| Cash dividends to net income (ytd only)* | 7.9745% | 4,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 4,704 |
| Loan loss allowance to noncurrent loans | 110.5134% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 4,402 |
| Noncurrent loans to loans | 1.0680% | 4,436 |
| Net loans and leases to total assets | 45.3195% | 7,387 |
| Net loans and leases to deposits | 62.7695% | 6,892 |
| Net loans and leases to core deposits | 82.8136% | 6,393 |
| Total domestic deposits to total assets | 72.1999% | 6,965 |
| Equity capital to assets | 9.8076% | 4,287 |
| Core capital (leverage) ratio | 9.6605% | 3,815 |
| Tier 1 risk-based capital ratio | 19.6238% | 1,681 |
| Total risk-based capital ratio | 20.7433% | 1,664 |
| Memoranda: | ||
| Average total assets | $167,102,400 | 3,595 |
| Average earning assets | $152,895,400 | 3,600 |
| Average equity | $15,440,800 | 4,041 |
| Average total loans | $79,396,200 | 4,538 |