Home > Pathway Bank > Performance and Condition Ratios
Pathway Bank, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0512% | 1,091 |
| Cost of funding earning assets | 3.1904% | 329 |
| Net interest margin | 2.8608% | 3,323 |
| Noninterest income to average assets | 0.7000% | 1,095 |
| Noninterest expense to average assets | 2.2404% | 2,975 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.8547% | 2,445 |
| Return on assets (ROA) | 0.8547% | 2,456 |
| Pretax return on assets | 1.1038% | 2,202 |
| Return on Equity (ROE) | 8.2200% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.2203% | 1,307 |
| Net charge-offs to loans | -0.0736% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.0225% | 2,542 |
| Assets per employee ($millions) | 7.7397% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 674 |
| Loan loss allowance to noncurrent loans | 16,842.8571% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,722 |
| Noncurrent loans to loans | 0.0101% | 3,717 |
| Net loans and leases to total assets | 64.5100% | 2,503 |
| Net loans and leases to deposits | 90.3679% | 1,276 |
| Net loans and leases to core deposits | 102.6459% | 1,324 |
| Total domestic deposits to total assets | 71.3900% | 4,193 |
| Equity capital to assets | 10.6298% | 1,736 |
| Core capital (leverage) ratio | 11.5427% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $316,374,333 | 2,356 |
| Average earning assets | $294,882,667 | 2,352 |
| Average equity | $32,894,333 | 2,231 |
| Average total loans | $203,690,000 | 2,318 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0206% | 1,037 |
| Cost of funding earning assets | 3.2477% | 270 |
| Net interest margin | 2.7729% | 3,418 |
| Noninterest income to average assets | 0.6400% | 1,224 |
| Noninterest expense to average assets | 2.3691% | 2,596 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.6293% | 3,074 |
| Return on assets (ROA) | 0.6293% | 3,098 |
| Pretax return on assets | 0.8129% | 2,897 |
| Return on Equity (ROE) | 6.1200% | 3,184 |
| Retained earnings to average equity (ytd only) | 6.1214% | 2,072 |
| Net charge-offs to loans | -0.1450% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.0633% | 1,837 |
| Assets per employee ($millions) | 7.3128% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8761% | 485 |
| Loan loss allowance to noncurrent loans | 11,370.9677% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,701 |
| Noncurrent loans to loans | 0.0165% | 3,667 |
| Net loans and leases to total assets | 58.6300% | 2,997 |
| Net loans and leases to deposits | 86.4737% | 1,492 |
| Net loans and leases to core deposits | 98.4109% | 1,495 |
| Total domestic deposits to total assets | 67.8000% | 4,345 |
| Equity capital to assets | 10.4417% | 1,756 |
| Core capital (leverage) ratio | 10.9859% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $315,898,500 | 2,373 |
| Average earning assets | $293,992,500 | 2,366 |
| Average equity | $32,476,000 | 2,251 |
| Average total loans | $201,409,000 | 2,331 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6457% | 991 |
| Cost of funding earning assets | 2.2506% | 591 |
| Net interest margin | 3.3951% | 2,412 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.2869% | 2,883 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1298% | 1,832 |
| Return on assets (ROA) | 1.1298% | 1,813 |
| Pretax return on assets | 1.4609% | 1,508 |
| Return on Equity (ROE) | 10.9500% | 2,237 |
| Retained earnings to average equity (ytd only) | 10.1890% | 967 |
| Net charge-offs to loans | 0.0343% | 1,620 |
| Credit loss provision to net charge-offs | 171.4286% | 1,347 |
| Earnings coverage of net charge-offs (x) | 61.2857% | 1,177 |
| Efficiency ratio | 59.8817% | 3,091 |
| Assets per employee ($millions) | 7.5558% | 1,696 |
| Cash dividends to net income (ytd only)* | 6.9767% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 851 |
| Loan loss allowance to noncurrent loans | 367.9570% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 1,768 |
| Noncurrent loans to loans | 0.4327% | 1,702 |
| Net loans and leases to total assets | 66.6500% | 2,180 |
| Net loans and leases to deposits | 99.6274% | 558 |
| Net loans and leases to core deposits | 117.4821% | 702 |
| Total domestic deposits to total assets | 66.9000% | 4,358 |
| Equity capital to assets | 10.1208% | 1,935 |
| Core capital (leverage) ratio | 11.1830% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $285,447,600 | 2,495 |
| Average earning assets | $264,554,600 | 2,496 |
| Average equity | $29,443,600 | 2,290 |
| Average total loans | $204,318,400 | 2,257 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 1,026 |
| Cost of funding earning assets | 1.7814% | 1,039 |
| Net interest margin | 3.7076% | 1,761 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.3045% | 2,779 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.3445% | 1,435 |
| Return on assets (ROA) | 1.3445% | 1,422 |
| Pretax return on assets | 1.7265% | 1,122 |
| Return on Equity (ROE) | 12.9600% | 1,904 |
| Retained earnings to average equity (ytd only) | 11.9221% | 984 |
| Net charge-offs to loans | -0.0013% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.1151% | 3,393 |
| Assets per employee ($millions) | 7.1406% | 1,856 |
| Cash dividends to net income (ytd only)* | 8.0415% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 820 |
| Loan loss allowance to noncurrent loans | 186.5913% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 907 |
| Noncurrent loans to loans | 0.8757% | 946 |
| Net loans and leases to total assets | 71.2500% | 1,661 |
| Net loans and leases to deposits | 101.4113% | 456 |
| Net loans and leases to core deposits | 117.6204% | 617 |
| Total domestic deposits to total assets | 70.2600% | 4,320 |
| Equity capital to assets | 10.6533% | 1,482 |
| Core capital (leverage) ratio | 12.2462% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $277,473,250 | 2,543 |
| Average earning assets | $257,089,750 | 2,540 |
| Average equity | $28,775,000 | 2,305 |
| Average total loans | $201,665,000 | 2,274 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 964 |
| Cost of funding earning assets | 1.5961% | 1,077 |
| Net interest margin | 3.7936% | 1,644 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.1808% | 3,129 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.5398% | 1,035 |
| Return on assets (ROA) | 1.5398% | 1,027 |
| Pretax return on assets | 1.8908% | 888 |
| Return on Equity (ROE) | 14.9900% | 1,472 |
| Retained earnings to average equity (ytd only) | 13.3856% | 759 |
| Net charge-offs to loans | 0.0182% | 1,545 |
| Credit loss provision to net charge-offs | 333.3333% | 804 |
| Earnings coverage of net charge-offs (x) | 146.3889% | 762 |
| Efficiency ratio | 52.5424% | 3,736 |
| Assets per employee ($millions) | 6.7266% | 2,123 |
| Cash dividends to net income (ytd only)* | 10.7296% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 632 |
| Loan loss allowance to noncurrent loans | 400.1122% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 1,612 |
| Noncurrent loans to loans | 0.4466% | 1,603 |
| Net loans and leases to total assets | 71.0500% | 1,630 |
| Net loans and leases to deposits | 97.5360% | 640 |
| Net loans and leases to core deposits | 103.3302% | 1,078 |
| Total domestic deposits to total assets | 72.8400% | 4,258 |
| Equity capital to assets | 11.2593% | 1,288 |
| Core capital (leverage) ratio | 12.1647% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $272,376,667 | 2,575 |
| Average earning assets | $252,110,333 | 2,573 |
| Average equity | $27,970,333 | 2,357 |
| Average total loans | $198,198,000 | 2,303 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 1,047 |
| Cost of funding earning assets | 1.4604% | 918 |
| Net interest margin | 3.6725% | 1,960 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.1458% | 3,263 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4098% | 1,381 |
| Return on assets (ROA) | 1.4098% | 1,352 |
| Pretax return on assets | 1.7586% | 1,150 |
| Return on Equity (ROE) | 14.4400% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.0331% | 1,462 |
| Net charge-offs to loans | -0.0040% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.8548% | 3,614 |
| Assets per employee ($millions) | 6.7471% | 2,152 |
| Cash dividends to net income (ytd only)* | 23.5849% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 668 |
| Loan loss allowance to noncurrent loans | 328.9547% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,306 |
| Noncurrent loans to loans | 0.5462% | 1,353 |
| Net loans and leases to total assets | 70.2600% | 1,597 |
| Net loans and leases to deposits | 93.2432% | 832 |
| Net loans and leases to core deposits | 100.9967% | 1,044 |
| Total domestic deposits to total assets | 75.3500% | 4,202 |
| Equity capital to assets | 10.0831% | 1,776 |
| Core capital (leverage) ratio | 11.3386% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $270,669,500 | 2,612 |
| Average earning assets | $251,708,500 | 2,608 |
| Average equity | $26,429,500 | 2,466 |
| Average total loans | $197,543,500 | 2,322 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 972 |
| Cost of funding earning assets | 0.6609% | 689 |
| Net interest margin | 3.6884% | 1,406 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.3256% | 2,657 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3154% | 1,377 |
| Return on assets (ROA) | 1.1835% | 1,775 |
| Pretax return on assets | 1.5219% | 1,391 |
| Return on Equity (ROE) | 12.6100% | 1,934 |
| Retained earnings to average equity (ytd only) | 10.4281% | 1,031 |
| Net charge-offs to loans | -0.1097% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.7232% | 3,497 |
| Assets per employee ($millions) | 7.3530% | 1,720 |
| Cash dividends to net income (ytd only)* | 17.3310% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 675 |
| Loan loss allowance to noncurrent loans | 1,979.2135% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,071 |
| Noncurrent loans to loans | 0.0903% | 3,112 |
| Net loans and leases to total assets | 73.1600% | 1,293 |
| Net loans and leases to deposits | 92.3308% | 896 |
| Net loans and leases to core deposits | 99.7918% | 1,015 |
| Total domestic deposits to total assets | 79.2300% | 3,978 |
| Equity capital to assets | 9.4315% | 2,063 |
| Core capital (leverage) ratio | 10.8960% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $243,767,000 | 2,764 |
| Average earning assets | $227,575,800 | 2,753 |
| Average equity | $22,871,000 | 2,711 |
| Average total loans | $179,577,200 | 2,377 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 804 |
| Cost of funding earning assets | 0.5115% | 484 |
| Net interest margin | 3.5697% | 1,135 |
| Noninterest income to average assets | 0.6702% | 1,462 |
| Noninterest expense to average assets | 2.2646% | 2,655 |
| Loan and lease loss provision to assets | 0.0512% | 1,663 |
| Net operating income to assets | 1.3173% | 1,094 |
| Return on assets (ROA) | 1.2883% | 1,156 |
| Pretax return on assets | 1.6558% | 838 |
| Return on Equity (ROE) | 13.7083% | 1,187 |
| Retained earnings to average equity (ytd only) | 9.1721% | 1,237 |
| Net charge-offs to loans | -0.2132% | 4,600 |
| Credit loss provision to net charge-offs | -33.5196% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9668% | 3,774 |
| Assets per employee ($millions) | 6.7845% | 2,084 |
| Cash dividends to net income (ytd only)* | 33.0907% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 650 |
| Loan loss allowance to noncurrent loans | 580.1347% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 1,749 |
| Noncurrent loans to loans | 0.3291% | 2,160 |
| Net loans and leases to total assets | 68.6720% | 1,423 |
| Net loans and leases to deposits | 85.5231% | 1,010 |
| Net loans and leases to core deposits | 88.7056% | 1,189 |
| Total domestic deposits to total assets | 80.2964% | 4,203 |
| Equity capital to assets | 8.3530% | 2,871 |
| Core capital (leverage) ratio | 9.8570% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,571,333 | 2,862 |
| Average earning assets | $219,346,333 | 2,852 |
| Average equity | $22,045,000 | 2,886 |
| Average total loans | $167,938,667 | 2,484 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 994 |
| Cost of funding earning assets | 0.4773% | 559 |
| Net interest margin | 3.3772% | 1,358 |
| Noninterest income to average assets | 0.6190% | 1,610 |
| Noninterest expense to average assets | 2.3216% | 2,416 |
| Loan and lease loss provision to assets | 0.0538% | 1,418 |
| Net operating income to assets | 0.8539% | 2,474 |
| Return on assets (ROA) | 0.7930% | 2,681 |
| Pretax return on assets | 1.3402% | 1,407 |
| Return on Equity (ROE) | 7.9283% | 2,715 |
| Retained earnings to average equity (ytd only) | -1.0404% | 4,147 |
| Net charge-offs to loans | -0.0074% | 3,481 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5960% | 3,423 |
| Assets per employee ($millions) | 7.0691% | 1,944 |
| Cash dividends to net income (ytd only)* | 113.1222% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 801 |
| Loan loss allowance to noncurrent loans | 464.7059% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 1,850 |
| Noncurrent loans to loans | 0.3994% | 2,062 |
| Net loans and leases to total assets | 73.4190% | 707 |
| Net loans and leases to deposits | 93.9187% | 367 |
| Net loans and leases to core deposits | 95.9141% | 661 |
| Total domestic deposits to total assets | 78.1729% | 4,396 |
| Equity capital to assets | 9.1770% | 2,549 |
| Core capital (leverage) ratio | 10.3332% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,951,500 | 2,940 |
| Average earning assets | $209,521,500 | 2,932 |
| Average equity | $22,300,000 | 2,958 |
| Average total loans | $161,663,000 | 2,534 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 1,831 |
| Cost of funding earning assets | 0.5922% | 563 |
| Net interest margin | 3.2240% | 2,542 |
| Noninterest income to average assets | 1.2022% | 730 |
| Noninterest expense to average assets | 2.6462% | 1,758 |
| Loan and lease loss provision to assets | 0.0586% | 1,887 |
| Net operating income to assets | 1.1783% | 2,000 |
| Return on assets (ROA) | 1.1787% | 2,061 |
| Pretax return on assets | 1.5120% | 1,677 |
| Return on Equity (ROE) | 10.8353% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.3978% | 1,070 |
| Net charge-offs to loans | -0.1172% | 4,611 |
| Credit loss provision to net charge-offs | -73.6196% | 3,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3667% | 2,805 |
| Assets per employee ($millions) | 6.0750% | 2,689 |
| Cash dividends to net income (ytd only)* | 13.2670% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1550% | 482 |
| Loan loss allowance to noncurrent loans | 512.3003% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 1,644 |
| Noncurrent loans to loans | 0.4207% | 2,089 |
| Net loans and leases to total assets | 68.4819% | 1,211 |
| Net loans and leases to deposits | 87.4555% | 677 |
| Net loans and leases to core deposits | 89.6375% | 988 |
| Total domestic deposits to total assets | 78.3049% | 4,362 |
| Equity capital to assets | 10.9075% | 1,850 |
| Core capital (leverage) ratio | 10.7246% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,629,400 | 3,030 |
| Average earning assets | $191,312,400 | 3,018 |
| Average equity | $22,260,600 | 3,038 |
| Average total loans | $139,119,800 | 2,736 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 2,096 |
| Cost of funding earning assets | 0.6099% | 610 |
| Net interest margin | 3.1586% | 2,863 |
| Noninterest income to average assets | 1.3680% | 633 |
| Noninterest expense to average assets | 2.6892% | 1,616 |
| Loan and lease loss provision to assets | 0.0592% | 1,809 |
| Net operating income to assets | 1.1976% | 2,178 |
| Return on assets (ROA) | 1.1976% | 2,233 |
| Pretax return on assets | 1.5673% | 1,802 |
| Return on Equity (ROE) | 11.0161% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.8358% | 1,373 |
| Net charge-offs to loans | -0.1512% | 4,728 |
| Credit loss provision to net charge-offs | -58.0645% | 3,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9302% | 2,710 |
| Assets per employee ($millions) | 5.8199% | 2,867 |
| Cash dividends to net income (ytd only)* | 10.7143% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 465 |
| Loan loss allowance to noncurrent loans | 330.7933% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 1,355 |
| Noncurrent loans to loans | 0.6614% | 1,660 |
| Net loans and leases to total assets | 67.6227% | 1,361 |
| Net loans and leases to deposits | 86.7320% | 784 |
| Net loans and leases to core deposits | 88.9353% | 1,100 |
| Total domestic deposits to total assets | 77.9674% | 4,429 |
| Equity capital to assets | 10.9647% | 2,048 |
| Core capital (leverage) ratio | 10.8902% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,630,750 | 3,081 |
| Average earning assets | $189,108,250 | 3,075 |
| Average equity | $22,027,750 | 3,085 |
| Average total loans | $136,695,750 | 2,801 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 1,676 |
| Cost of funding earning assets | 0.6272% | 648 |
| Net interest margin | 3.3223% | 2,372 |
| Noninterest income to average assets | 1.6742% | 438 |
| Noninterest expense to average assets | 2.7144% | 1,555 |
| Loan and lease loss provision to assets | 0.0599% | 1,833 |
| Net operating income to assets | 1.5594% | 1,148 |
| Return on assets (ROA) | 1.5594% | 1,211 |
| Pretax return on assets | 1.9986% | 838 |
| Return on Equity (ROE) | 14.3879% | 1,310 |
| Retained earnings to average equity (ytd only) | -18.6343% | 4,911 |
| Net charge-offs to loans | -0.1433% | 4,719 |
| Credit loss provision to net charge-offs | -62.5000% | 3,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5154% | 3,471 |
| Assets per employee ($millions) | 5.3244% | 3,323 |
| Cash dividends to net income (ytd only)* | 229.5134% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 396 |
| Loan loss allowance to noncurrent loans | 251.4286% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 1,169 |
| Noncurrent loans to loans | 0.8981% | 1,380 |
| Net loans and leases to total assets | 64.2056% | 1,925 |
| Net loans and leases to deposits | 82.4330% | 1,185 |
| Net loans and leases to core deposits | 84.5454% | 1,524 |
| Total domestic deposits to total assets | 77.8883% | 4,440 |
| Equity capital to assets | 10.9848% | 1,987 |
| Core capital (leverage) ratio | 10.6936% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,335,333 | 3,097 |
| Average earning assets | $186,857,333 | 3,092 |
| Average equity | $21,712,667 | 3,113 |
| Average total loans | $133,977,667 | 2,848 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 717 |
| Cost of funding earning assets | 0.6503% | 693 |
| Net interest margin | 3.9081% | 969 |
| Noninterest income to average assets | 1.7552% | 468 |
| Noninterest expense to average assets | 2.4914% | 2,197 |
| Loan and lease loss provision to assets | 0.0610% | 1,902 |
| Net operating income to assets | 2.2290% | 394 |
| Return on assets (ROA) | 2.2290% | 427 |
| Pretax return on assets | 2.8331% | 289 |
| Return on Equity (ROE) | 20.7144% | 487 |
| Retained earnings to average equity (ytd only) | 20.7144% | 246 |
| Net charge-offs to loans | -0.2772% | 4,837 |
| Credit loss provision to net charge-offs | -32.6087% | 2,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9592% | 4,473 |
| Assets per employee ($millions) | 5.3941% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3152% | 356 |
| Loan loss allowance to noncurrent loans | 242.9027% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 1,282 |
| Noncurrent loans to loans | 0.9531% | 1,421 |
| Net loans and leases to total assets | 62.6987% | 2,205 |
| Net loans and leases to deposits | 80.5609% | 1,468 |
| Net loans and leases to core deposits | 82.5187% | 1,800 |
| Total domestic deposits to total assets | 77.8278% | 4,454 |
| Equity capital to assets | 10.9354% | 1,910 |
| Core capital (leverage) ratio | 11.2473% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,678,000 | 3,114 |
| Average earning assets | $182,695,500 | 3,114 |
| Average equity | $21,164,000 | 3,144 |
| Average total loans | $132,765,000 | 2,868 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 1,290 |
| Cost of funding earning assets | 0.8922% | 876 |
| Net interest margin | 3.6167% | 2,085 |
| Noninterest income to average assets | 0.9831% | 1,075 |
| Noninterest expense to average assets | 2.8110% | 1,913 |
| Loan and lease loss provision to assets | 0.0975% | 3,119 |
| Net operating income to assets | 1.1473% | 1,735 |
| Return on assets (ROA) | 1.1473% | 1,862 |
| Pretax return on assets | 1.4399% | 1,540 |
| Return on Equity (ROE) | 10.3769% | 1,857 |
| Retained earnings to average equity (ytd only) | 1.5538% | 4,014 |
| Net charge-offs to loans | -0.0944% | 4,803 |
| Credit loss provision to net charge-offs | -138.4615% | 3,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2198% | 2,783 |
| Assets per employee ($millions) | 5.0913% | 3,291 |
| Cash dividends to net income (ytd only)* | 85.0260% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1826% | 426 |
| Loan loss allowance to noncurrent loans | 94.4750% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.9365% | 299 |
| Noncurrent loans to loans | 2.3103% | 457 |
| Net loans and leases to total assets | 69.5630% | 1,614 |
| Net loans and leases to deposits | 89.9699% | 929 |
| Net loans and leases to core deposits | 92.3989% | 1,355 |
| Total domestic deposits to total assets | 77.3181% | 4,382 |
| Equity capital to assets | 10.5707% | 2,610 |
| Core capital (leverage) ratio | 9.7770% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,523,000 | 3,066 |
| Average earning assets | $171,703,000 | 3,057 |
| Average equity | $20,401,000 | 3,149 |
| Average total loans | $137,707,200 | 2,774 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7173% | 1,025 |
| Cost of funding earning assets | 0.9216% | 993 |
| Net interest margin | 3.7957% | 1,629 |
| Noninterest income to average assets | 1.0685% | 911 |
| Noninterest expense to average assets | 2.8248% | 1,902 |
| Loan and lease loss provision to assets | 0.0654% | 3,521 |
| Net operating income to assets | 1.3234% | 1,304 |
| Return on assets (ROA) | 1.3234% | 1,388 |
| Pretax return on assets | 1.7142% | 941 |
| Return on Equity (ROE) | 11.8368% | 1,422 |
| Retained earnings to average equity (ytd only) | 11.8368% | 452 |
| Net charge-offs to loans | -0.0721% | 4,761 |
| Credit loss provision to net charge-offs | -120.0000% | 3,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9560% | 3,225 |
| Assets per employee ($millions) | 5.3423% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9675% | 525 |
| Loan loss allowance to noncurrent loans | 107.7549% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 616 |
| Noncurrent loans to loans | 1.8259% | 719 |
| Net loans and leases to total assets | 70.0517% | 1,946 |
| Net loans and leases to deposits | 93.3922% | 976 |
| Net loans and leases to core deposits | 96.3765% | 1,427 |
| Total domestic deposits to total assets | 75.0081% | 4,502 |
| Equity capital to assets | 10.8229% | 2,536 |
| Core capital (leverage) ratio | 10.5725% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,559,000 | 3,062 |
| Average earning assets | $170,995,750 | 3,049 |
| Average equity | $20,523,000 | 3,133 |
| Average total loans | $138,642,500 | 2,771 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 744 |
| Cost of funding earning assets | 0.9578% | 1,120 |
| Net interest margin | 4.1027% | 1,105 |
| Noninterest income to average assets | 1.2412% | 656 |
| Noninterest expense to average assets | 2.9264% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6393% | 695 |
| Return on assets (ROA) | 1.6393% | 761 |
| Pretax return on assets | 2.1369% | 406 |
| Return on Equity (ROE) | 14.4912% | 791 |
| Retained earnings to average equity (ytd only) | 14.4912% | 247 |
| Net charge-offs to loans | -0.0987% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4205% | 3,763 |
| Assets per employee ($millions) | 5.0332% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8693% | 563 |
| Loan loss allowance to noncurrent loans | 95.7500% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 577 |
| Noncurrent loans to loans | 1.9523% | 701 |
| Net loans and leases to total assets | 71.6982% | 1,768 |
| Net loans and leases to deposits | 95.5751% | 829 |
| Net loans and leases to core deposits | 98.6417% | 1,360 |
| Total domestic deposits to total assets | 75.0177% | 4,516 |
| Equity capital to assets | 10.7252% | 2,549 |
| Core capital (leverage) ratio | 10.6854% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,857,333 | 3,084 |
| Average earning assets | $166,624,000 | 3,078 |
| Average equity | $20,233,000 | 3,153 |
| Average total loans | $137,774,667 | 2,772 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8523% | 204 |
| Cost of funding earning assets | 1.0201% | 1,336 |
| Net interest margin | 4.8322% | 260 |
| Noninterest income to average assets | 0.7805% | 1,366 |
| Noninterest expense to average assets | 2.9787% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7562% | 447 |
| Return on assets (ROA) | 1.7562% | 495 |
| Pretax return on assets | 2.2899% | 239 |
| Return on Equity (ROE) | 15.0734% | 538 |
| Retained earnings to average equity (ytd only) | 15.0734% | 188 |
| Net charge-offs to loans | -0.1334% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1803% | 4,197 |
| Assets per employee ($millions) | 4.1412% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9594% | 536 |
| Loan loss allowance to noncurrent loans | 101.9946% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.7009% | 574 |
| Noncurrent loans to loans | 1.9210% | 759 |
| Net loans and leases to total assets | 78.3609% | 926 |
| Net loans and leases to deposits | 106.1386% | 290 |
| Net loans and leases to core deposits | 109.8525% | 854 |
| Total domestic deposits to total assets | 73.8288% | 4,674 |
| Equity capital to assets | 11.9483% | 2,107 |
| Core capital (leverage) ratio | 11.3372% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,138,500 | 3,133 |
| Average earning assets | $158,023,000 | 3,130 |
| Average equity | $19,823,000 | 3,185 |
| Average total loans | $134,951,500 | 2,777 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 1,874 |
| Cost of funding earning assets | 1.2709% | 840 |
| Net interest margin | 3.5878% | 3,172 |
| Noninterest income to average assets | 0.8162% | 1,399 |
| Noninterest expense to average assets | 3.3601% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6119% | 4,123 |
| Return on assets (ROA) | 0.6101% | 4,191 |
| Pretax return on assets | 0.7783% | 4,018 |
| Return on Equity (ROE) | 5.5165% | 4,061 |
| Retained earnings to average equity (ytd only) | 2.8846% | 3,590 |
| Net charge-offs to loans | -0.0785% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6692% | 886 |
| Assets per employee ($millions) | 4.2622% | 3,564 |
| Cash dividends to net income (ytd only)* | 47.7099% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 501 |
| Loan loss allowance to noncurrent loans | 53.0128% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 3.0560% | 172 |
| Noncurrent loans to loans | 3.6730% | 215 |
| Net loans and leases to total assets | 77.1801% | 1,231 |
| Net loans and leases to deposits | 102.8153% | 427 |
| Net loans and leases to core deposits | 107.4893% | 1,010 |
| Total domestic deposits to total assets | 75.0667% | 4,700 |
| Equity capital to assets | 11.3551% | 2,657 |
| Core capital (leverage) ratio | 10.8423% | 2,641 |
| Tier 1 risk-based capital ratio | 12.1096% | 4,299 |
| Total risk-based capital ratio | 13.3648% | 4,179 |
| Memoranda: | ||
| Average total assets | $171,781,600 | 3,095 |
| Average earning assets | $159,176,600 | 3,091 |
| Average equity | $18,997,400 | 3,225 |
| Average total loans | $132,410,200 | 2,797 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 1,906 |
| Cost of funding earning assets | 1.2921% | 807 |
| Net interest margin | 3.5805% | 3,302 |
| Noninterest income to average assets | 0.8220% | 1,353 |
| Noninterest expense to average assets | 3.3545% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6129% | 4,266 |
| Return on assets (ROA) | 0.6105% | 4,321 |
| Pretax return on assets | 0.7832% | 4,164 |
| Return on Equity (ROE) | 5.5569% | 4,180 |
| Retained earnings to average equity (ytd only) | 2.4823% | 4,100 |
| Net charge-offs to loans | -0.1263% | 5,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5426% | 870 |
| Assets per employee ($millions) | 4.1709% | 3,664 |
| Cash dividends to net income (ytd only)* | 55.3301% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 497 |
| Loan loss allowance to noncurrent loans | 50.2577% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 3.2279% | 162 |
| Noncurrent loans to loans | 3.9074% | 182 |
| Net loans and leases to total assets | 76.8653% | 1,338 |
| Net loans and leases to deposits | 99.9399% | 640 |
| Net loans and leases to core deposits | 103.7246% | 1,345 |
| Total domestic deposits to total assets | 76.9115% | 4,524 |
| Equity capital to assets | 11.1978% | 2,929 |
| Core capital (leverage) ratio | 10.7572% | 2,882 |
| Tier 1 risk-based capital ratio | 12.1152% | 4,357 |
| Total risk-based capital ratio | 13.3709% | 4,247 |
| Memoranda: | ||
| Average total assets | $172,105,250 | 3,122 |
| Average earning assets | $159,528,500 | 3,115 |
| Average equity | $18,907,000 | 3,258 |
| Average total loans | $131,964,000 | 2,832 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 2,044 |
| Cost of funding earning assets | 1.3143% | 708 |
| Net interest margin | 3.4916% | 3,622 |
| Noninterest income to average assets | 0.8628% | 1,171 |
| Noninterest expense to average assets | 3.4267% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5304% | 4,460 |
| Return on assets (ROA) | 0.5276% | 4,496 |
| Pretax return on assets | 0.6703% | 4,402 |
| Return on Equity (ROE) | 4.8337% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.1778% | 4,060 |
| Net charge-offs to loans | -0.0869% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0882% | 724 |
| Assets per employee ($millions) | 4.3572% | 3,351 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9615% | 506 |
| Loan loss allowance to noncurrent loans | 44.7098% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 3.5447% | 140 |
| Noncurrent loans to loans | 4.3871% | 143 |
| Net loans and leases to total assets | 73.5583% | 1,952 |
| Net loans and leases to deposits | 94.9540% | 1,157 |
| Net loans and leases to core deposits | 98.0655% | 1,883 |
| Total domestic deposits to total assets | 77.4673% | 4,490 |
| Equity capital to assets | 10.8934% | 3,183 |
| Core capital (leverage) ratio | 10.1421% | 3,455 |
| Tier 1 risk-based capital ratio | 11.8785% | 4,487 |
| Total risk-based capital ratio | 13.1333% | 4,362 |
| Memoranda: | ||
| Average total assets | $172,471,330 | 3,128 |
| Average earning assets | $159,927,330 | 3,132 |
| Average equity | $18,826,330 | 3,267 |
| Average total loans | $131,259,330 | 2,854 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 1,988 |
| Cost of funding earning assets | 1.2859% | 688 |
| Net interest margin | 3.4847% | 3,636 |
| Noninterest income to average assets | 0.9443% | 934 |
| Noninterest expense to average assets | 2.9867% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9125% | 3,188 |
| Return on assets (ROA) | 0.9070% | 3,257 |
| Pretax return on assets | 1.1728% | 2,909 |
| Return on Equity (ROE) | 8.3002% | 3,116 |
| Retained earnings to average equity (ytd only) | 4.6729% | 3,046 |
| Net charge-offs to loans | -0.0395% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2367% | 2,154 |
| Assets per employee ($millions) | 4.7767% | 2,816 |
| Cash dividends to net income (ytd only)* | 43.7018% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 583 |
| Loan loss allowance to noncurrent loans | 48.0557% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 3.2302% | 179 |
| Noncurrent loans to loans | 3.9842% | 193 |
| Net loans and leases to total assets | 73.0737% | 1,961 |
| Net loans and leases to deposits | 94.2171% | 1,149 |
| Net loans and leases to core deposits | 98.0013% | 1,773 |
| Total domestic deposits to total assets | 77.5589% | 4,584 |
| Equity capital to assets | 10.7074% | 3,157 |
| Core capital (leverage) ratio | 10.3986% | 3,166 |
| Tier 1 risk-based capital ratio | 11.4521% | 4,766 |
| Total risk-based capital ratio | 12.7061% | 4,663 |
| Memoranda: | ||
| Average total assets | $171,562,500 | 3,175 |
| Average earning assets | $158,638,000 | 3,178 |
| Average equity | $18,746,500 | 3,285 |
| Average total loans | $131,504,500 | 2,887 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 1,926 |
| Cost of funding earning assets | 0.9996% | 747 |
| Net interest margin | 3.6724% | 3,151 |
| Noninterest income to average assets | 0.9139% | 1,147 |
| Noninterest expense to average assets | 3.0577% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0940% | 2,628 |
| Return on assets (ROA) | 1.0940% | 2,624 |
| Pretax return on assets | 1.2384% | 2,746 |
| Return on Equity (ROE) | 9.9909% | 2,520 |
| Retained earnings to average equity (ytd only) | 6.4908% | 1,930 |
| Net charge-offs to loans | 0.1967% | 979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 8.0394% | 2,930 |
| Efficiency ratio | 70.6945% | 2,077 |
| Assets per employee ($millions) | 4.2697% | 3,512 |
| Cash dividends to net income (ytd only)* | 35.0333% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 561 |
| Loan loss allowance to noncurrent loans | 271.5368% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 2,392 |
| Noncurrent loans to loans | 0.7035% | 2,231 |
| Net loans and leases to total assets | 77.3675% | 1,382 |
| Net loans and leases to deposits | 102.9421% | 535 |
| Net loans and leases to core deposits | 113.1130% | 827 |
| Total domestic deposits to total assets | 75.1563% | 4,854 |
| Equity capital to assets | 11.2295% | 2,489 |
| Core capital (leverage) ratio | 10.8991% | 2,626 |
| Tier 1 risk-based capital ratio | 11.8394% | 4,542 |
| Total risk-based capital ratio | 13.0942% | 4,416 |
| Memoranda: | ||
| Average total assets | $164,894,400 | 3,218 |
| Average earning assets | $151,864,400 | 3,226 |
| Average equity | $18,056,400 | 3,292 |
| Average total loans | $129,150,400 | 2,883 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,905 |
| Cost of funding earning assets | 0.9553% | 731 |
| Net interest margin | 3.6734% | 3,108 |
| Noninterest income to average assets | 0.9467% | 1,068 |
| Noninterest expense to average assets | 3.0210% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0975% | 2,676 |
| Return on assets (ROA) | 1.0975% | 2,696 |
| Pretax return on assets | 1.3107% | 2,577 |
| Return on Equity (ROE) | 10.0878% | 2,581 |
| Retained earnings to average equity (ytd only) | 6.1764% | 2,561 |
| Net charge-offs to loans | -0.0840% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2740% | 2,310 |
| Assets per employee ($millions) | 4.2482% | 3,508 |
| Cash dividends to net income (ytd only)* | 38.7738% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1564% | 390 |
| Loan loss allowance to noncurrent loans | 204.1637% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 1,762 |
| Noncurrent loans to loans | 1.0562% | 1,614 |
| Net loans and leases to total assets | 77.8864% | 1,359 |
| Net loans and leases to deposits | 105.1267% | 478 |
| Net loans and leases to core deposits | 119.1962% | 597 |
| Total domestic deposits to total assets | 74.0882% | 4,971 |
| Equity capital to assets | 11.0369% | 2,627 |
| Core capital (leverage) ratio | 10.6316% | 2,953 |
| Tier 1 risk-based capital ratio | 11.5304% | 4,777 |
| Total risk-based capital ratio | 12.7879% | 4,655 |
| Memoranda: | ||
| Average total assets | $164,488,750 | 3,253 |
| Average earning assets | $151,571,000 | 3,255 |
| Average equity | $17,895,750 | 3,329 |
| Average total loans | $128,603,250 | 2,914 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 1,852 |
| Cost of funding earning assets | 0.9003% | 733 |
| Net interest margin | 3.6765% | 3,020 |
| Noninterest income to average assets | 0.9726% | 1,008 |
| Noninterest expense to average assets | 2.9557% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2042% | 2,179 |
| Return on assets (ROA) | 1.2042% | 2,180 |
| Pretax return on assets | 1.4017% | 2,139 |
| Return on Equity (ROE) | 11.1226% | 2,056 |
| Retained earnings to average equity (ytd only) | 6.4394% | 2,341 |
| Net charge-offs to loans | 0.0110% | 2,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 164.2857% | 482 |
| Efficiency ratio | 67.3566% | 2,753 |
| Assets per employee ($millions) | 4.0245% | 3,854 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1388% | 414 |
| Loan loss allowance to noncurrent loans | 282.9569% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 2,459 |
| Noncurrent loans to loans | 0.7559% | 2,232 |
| Net loans and leases to total assets | 76.4237% | 1,572 |
| Net loans and leases to deposits | 99.3978% | 848 |
| Net loans and leases to core deposits | 104.5838% | 1,347 |
| Total domestic deposits to total assets | 76.8868% | 4,748 |
| Equity capital to assets | 10.9451% | 2,688 |
| Core capital (leverage) ratio | 10.4358% | 3,092 |
| Tier 1 risk-based capital ratio | 11.7777% | 4,633 |
| Total risk-based capital ratio | 13.0352% | 4,508 |
| Memoranda: | ||
| Average total assets | $164,091,330 | 3,275 |
| Average earning assets | $151,067,670 | 3,281 |
| Average equity | $17,765,670 | 3,359 |
| Average total loans | $127,508,670 | 2,943 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 1,978 |
| Cost of funding earning assets | 0.8369% | 806 |
| Net interest margin | 3.6276% | 3,079 |
| Noninterest income to average assets | 1.0096% | 895 |
| Noninterest expense to average assets | 3.0140% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0291% | 2,737 |
| Return on assets (ROA) | 1.0291% | 2,754 |
| Pretax return on assets | 1.3225% | 2,279 |
| Return on Equity (ROE) | 9.5581% | 2,653 |
| Retained earnings to average equity (ytd only) | 2.5201% | 4,159 |
| Net charge-offs to loans | -0.0725% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0530% | 2,656 |
| Assets per employee ($millions) | 3.9848% | 4,007 |
| Cash dividends to net income (ytd only)* | 73.6342% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1929% | 394 |
| Loan loss allowance to noncurrent loans | 396.3016% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 3,117 |
| Noncurrent loans to loans | 0.5533% | 2,869 |
| Net loans and leases to total assets | 76.0575% | 1,535 |
| Net loans and leases to deposits | 95.9018% | 1,042 |
| Net loans and leases to core deposits | 108.1792% | 1,110 |
| Total domestic deposits to total assets | 79.3077% | 4,528 |
| Equity capital to assets | 10.7893% | 2,779 |
| Core capital (leverage) ratio | 10.3310% | 3,147 |
| Tier 1 risk-based capital ratio | 11.7393% | 4,717 |
| Total risk-based capital ratio | 12.9979% | 4,596 |
| Memoranda: | ||
| Average total assets | $163,634,500 | 3,317 |
| Average earning assets | $150,072,500 | 3,329 |
| Average equity | $17,618,500 | 3,405 |
| Average total loans | $126,833,500 | 2,980 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 1,788 |
| Cost of funding earning assets | 0.7260% | 904 |
| Net interest margin | 3.7525% | 2,592 |
| Noninterest income to average assets | 0.9334% | 1,178 |
| Noninterest expense to average assets | 2.9671% | 2,257 |
| Loan and lease loss provision to assets | -0.0885% | 5,463 |
| Net operating income to assets | 0.8436% | 2,978 |
| Return on assets (ROA) | 0.8165% | 3,131 |
| Pretax return on assets | 1.4586% | 1,786 |
| Return on Equity (ROE) | 7.4742% | 3,048 |
| Retained earnings to average equity (ytd only) | 4.8073% | 2,251 |
| Net charge-offs to loans | -0.1508% | 5,471 |
| Credit loss provision to net charge-offs | 74.8663% | 3,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2583% | 3,041 |
| Assets per employee ($millions) | 3.9974% | 3,965 |
| Cash dividends to net income (ytd only)* | 35.6811% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1821% | 383 |
| Loan loss allowance to noncurrent loans | 299.3499% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.6138% | 822 |
| Noncurrent loans to loans | 0.7289% | 2,388 |
| Net loans and leases to total assets | 75.5726% | 1,673 |
| Net loans and leases to deposits | 98.8019% | 839 |
| Net loans and leases to core deposits | 112.0571% | 895 |
| Total domestic deposits to total assets | 76.4891% | 4,920 |
| Equity capital to assets | 10.7447% | 2,902 |
| Core capital (leverage) ratio | 10.2053% | 3,183 |
| Tier 1 risk-based capital ratio | 11.5105% | 4,843 |
| Total risk-based capital ratio | 12.7692% | 4,737 |
| Memoranda: | ||
| Average total assets | $158,235,400 | 3,373 |
| Average earning assets | $145,317,000 | 3,380 |
| Average equity | $17,286,200 | 3,461 |
| Average total loans | $123,969,200 | 2,999 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,448 |
| Cost of funding earning assets | 0.6789% | 1,081 |
| Net interest margin | 3.8914% | 2,067 |
| Noninterest income to average assets | 0.9675% | 1,096 |
| Noninterest expense to average assets | 2.9536% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0392% | 2,374 |
| Return on assets (ROA) | 1.0381% | 2,418 |
| Pretax return on assets | 1.5992% | 1,423 |
| Return on Equity (ROE) | 9.4620% | 2,372 |
| Retained earnings to average equity (ytd only) | 6.5250% | 1,952 |
| Net charge-offs to loans | 0.1298% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.6913% | 2,210 |
| Efficiency ratio | 64.3831% | 3,471 |
| Assets per employee ($millions) | 4.3161% | 3,445 |
| Cash dividends to net income (ytd only)* | 31.0401% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 610 |
| Loan loss allowance to noncurrent loans | 135.0494% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 2.1654% | 570 |
| Noncurrent loans to loans | 1.4529% | 1,290 |
| Net loans and leases to total assets | 77.0865% | 1,410 |
| Net loans and leases to deposits | 107.2539% | 365 |
| Net loans and leases to core deposits | 120.6309% | 571 |
| Total domestic deposits to total assets | 71.8729% | 5,387 |
| Equity capital to assets | 10.4896% | 3,389 |
| Core capital (leverage) ratio | 10.6137% | 2,864 |
| Tier 1 risk-based capital ratio | 11.5343% | 4,943 |
| Total risk-based capital ratio | 12.7905% | 4,825 |
| Memoranda: | ||
| Average total assets | $156,820,750 | 3,418 |
| Average earning assets | $144,553,250 | 3,418 |
| Average equity | $17,205,250 | 3,502 |
| Average total loans | $123,306,000 | 3,039 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 1,113 |
| Cost of funding earning assets | 0.6223% | 1,320 |
| Net interest margin | 4.0503% | 1,459 |
| Noninterest income to average assets | 1.0249% | 966 |
| Noninterest expense to average assets | 2.9833% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1652% | 1,715 |
| Return on assets (ROA) | 1.1635% | 1,762 |
| Pretax return on assets | 1.7832% | 876 |
| Return on Equity (ROE) | 10.4370% | 1,866 |
| Retained earnings to average equity (ytd only) | 6.8955% | 1,643 |
| Net charge-offs to loans | -0.2677% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0888% | 3,975 |
| Assets per employee ($millions) | 4.0417% | 3,886 |
| Cash dividends to net income (ytd only)* | 33.9326% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 377 |
| Loan loss allowance to noncurrent loans | 93.9582% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.9426% | 667 |
| Noncurrent loans to loans | 2.4420% | 630 |
| Net loans and leases to total assets | 77.7232% | 1,284 |
| Net loans and leases to deposits | 103.6919% | 510 |
| Net loans and leases to core deposits | 115.1364% | 750 |
| Total domestic deposits to total assets | 74.9559% | 5,205 |
| Equity capital to assets | 11.0432% | 2,758 |
| Core capital (leverage) ratio | 10.9348% | 2,474 |
| Tier 1 risk-based capital ratio | 12.0221% | 4,619 |
| Total risk-based capital ratio | 13.2821% | 4,494 |
| Memoranda: | ||
| Average total assets | $152,984,670 | 3,481 |
| Average earning assets | $141,422,000 | 3,474 |
| Average equity | $17,054,670 | 3,528 |
| Average total loans | $120,289,330 | 3,087 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 737 |
| Cost of funding earning assets | 0.5720% | 1,565 |
| Net interest margin | 4.2311% | 927 |
| Noninterest income to average assets | 0.9213% | 1,183 |
| Noninterest expense to average assets | 3.0611% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1469% | 1,681 |
| Return on assets (ROA) | 1.1469% | 1,717 |
| Pretax return on assets | 1.7682% | 863 |
| Return on Equity (ROE) | 10.2379% | 1,854 |
| Retained earnings to average equity (ytd only) | 5.0241% | 2,881 |
| Net charge-offs to loans | -0.1597% | 5,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9467% | 3,995 |
| Assets per employee ($millions) | 3.8953% | 4,190 |
| Cash dividends to net income (ytd only)* | 50.9259% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3548% | 378 |
| Loan loss allowance to noncurrent loans | 103.5996% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.7556% | 830 |
| Noncurrent loans to loans | 2.2729% | 731 |
| Net loans and leases to total assets | 75.4188% | 1,511 |
| Net loans and leases to deposits | 99.6642% | 636 |
| Net loans and leases to core deposits | 107.1506% | 1,030 |
| Total domestic deposits to total assets | 75.6729% | 5,263 |
| Equity capital to assets | 11.1864% | 2,440 |
| Core capital (leverage) ratio | 11.2033% | 2,183 |
| Tier 1 risk-based capital ratio | 12.2405% | 4,551 |
| Total risk-based capital ratio | 13.5007% | 4,445 |
| Memoranda: | ||
| Average total assets | $150,664,000 | 3,548 |
| Average earning assets | $139,158,500 | 3,539 |
| Average equity | $16,878,500 | 3,561 |
| Average total loans | $117,739,500 | 3,145 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 2,670 |
| Cost of funding earning assets | 0.4775% | 2,276 |
| Net interest margin | 3.6699% | 2,818 |
| Noninterest income to average assets | 0.9068% | 1,391 |
| Noninterest expense to average assets | 3.3106% | 1,549 |
| Loan and lease loss provision to assets | 0.0280% | 3,799 |
| Net operating income to assets | 0.6554% | 3,973 |
| Return on assets (ROA) | 0.6489% | 4,120 |
| Pretax return on assets | 0.9783% | 3,545 |
| Return on Equity (ROE) | 5.5763% | 4,167 |
| Retained earnings to average equity (ytd only) | 2.5593% | 4,062 |
| Net charge-offs to loans | -0.4741% | 5,832 |
| Credit loss provision to net charge-offs | -7.6336% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9637% | 1,988 |
| Assets per employee ($millions) | 3.8311% | 4,250 |
| Cash dividends to net income (ytd only)* | 54.1037% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 403 |
| Loan loss allowance to noncurrent loans | 104.1811% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.7449% | 868 |
| Noncurrent loans to loans | 2.2067% | 772 |
| Net loans and leases to total assets | 77.2540% | 1,319 |
| Net loans and leases to deposits | 100.4237% | 646 |
| Net loans and leases to core deposits | 107.1557% | 1,056 |
| Total domestic deposits to total assets | 76.9281% | 5,124 |
| Equity capital to assets | 11.2194% | 2,398 |
| Core capital (leverage) ratio | 11.0365% | 2,308 |
| Tier 1 risk-based capital ratio | 12.2123% | 4,568 |
| Total risk-based capital ratio | 13.4731% | 4,440 |
| Memoranda: | ||
| Average total assets | $142,693,600 | 3,627 |
| Average earning assets | $132,975,000 | 3,601 |
| Average equity | $16,606,000 | 3,609 |
| Average total loans | $110,532,000 | 3,210 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 2,746 |
| Cost of funding earning assets | 0.4656% | 2,415 |
| Net interest margin | 3.6683% | 2,834 |
| Noninterest income to average assets | 0.9124% | 1,367 |
| Noninterest expense to average assets | 3.2336% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7252% | 3,723 |
| Return on assets (ROA) | 0.7271% | 3,841 |
| Pretax return on assets | 1.1006% | 3,233 |
| Return on Equity (ROE) | 6.1890% | 3,983 |
| Retained earnings to average equity (ytd only) | 2.8249% | 4,199 |
| Net charge-offs to loans | -0.2344% | 5,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1105% | 2,262 |
| Assets per employee ($millions) | 3.8664% | 4,186 |
| Cash dividends to net income (ytd only)* | 54.3562% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0392% | 679 |
| Loan loss allowance to noncurrent loans | 83.3274% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.6946% | 477 |
| Noncurrent loans to loans | 2.4472% | 724 |
| Net loans and leases to total assets | 76.6408% | 1,417 |
| Net loans and leases to deposits | 98.8561% | 788 |
| Net loans and leases to core deposits | 107.9855% | 1,053 |
| Total domestic deposits to total assets | 77.5277% | 4,997 |
| Equity capital to assets | 11.4407% | 2,560 |
| Core capital (leverage) ratio | 11.4920% | 2,041 |
| Tier 1 risk-based capital ratio | 12.4402% | 4,513 |
| Total risk-based capital ratio | 13.6982% | 4,403 |
| Memoranda: | ||
| Average total assets | $141,014,250 | 3,673 |
| Average earning assets | $131,427,500 | 3,648 |
| Average equity | $16,566,750 | 3,648 |
| Average total loans | $108,629,500 | 3,241 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 2,960 |
| Cost of funding earning assets | 0.4680% | 2,391 |
| Net interest margin | 3.6095% | 3,065 |
| Noninterest income to average assets | 0.8961% | 1,385 |
| Noninterest expense to average assets | 3.2364% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6794% | 3,898 |
| Return on assets (ROA) | 0.6717% | 4,091 |
| Pretax return on assets | 1.0097% | 3,541 |
| Return on Equity (ROE) | 5.6654% | 4,215 |
| Retained earnings to average equity (ytd only) | 1.8319% | 4,637 |
| Net charge-offs to loans | 0.0864% | 1,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.4348% | 1,992 |
| Efficiency ratio | 75.4392% | 2,157 |
| Assets per employee ($millions) | 3.6976% | 4,444 |
| Cash dividends to net income (ytd only)* | 67.6660% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 834 |
| Loan loss allowance to noncurrent loans | 77.4917% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.7742% | 460 |
| Noncurrent loans to loans | 2.5077% | 691 |
| Net loans and leases to total assets | 75.6695% | 1,543 |
| Net loans and leases to deposits | 98.8922% | 797 |
| Net loans and leases to core deposits | 105.7005% | 1,199 |
| Total domestic deposits to total assets | 76.5172% | 5,218 |
| Equity capital to assets | 11.8393% | 2,241 |
| Core capital (leverage) ratio | 11.4999% | 1,994 |
| Tier 1 risk-based capital ratio | 12.8784% | 4,270 |
| Total risk-based capital ratio | 14.1355% | 4,181 |
| Memoranda: | ||
| Average total assets | $139,044,670 | 3,732 |
| Average earning assets | $129,492,670 | 3,703 |
| Average equity | $16,486,000 | 3,665 |
| Average total loans | $106,523,670 | 3,297 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,116 |
| Cost of funding earning assets | 0.4691% | 2,376 |
| Net interest margin | 3.5600% | 3,241 |
| Noninterest income to average assets | 0.8589% | 1,419 |
| Noninterest expense to average assets | 3.3894% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5359% | 4,482 |
| Return on assets (ROA) | 0.5379% | 4,581 |
| Pretax return on assets | 0.7866% | 4,242 |
| Return on Equity (ROE) | 4.5334% | 4,688 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,105 |
| Net charge-offs to loans | -0.1023% | 5,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6653% | 1,530 |
| Assets per employee ($millions) | 3.5563% | 4,733 |
| Cash dividends to net income (ytd only)* | 100.0000% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 775 |
| Loan loss allowance to noncurrent loans | 149.9656% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 1.9049% | 938 |
| Noncurrent loans to loans | 1.3578% | 1,756 |
| Net loans and leases to total assets | 75.5829% | 1,457 |
| Net loans and leases to deposits | 97.7217% | 780 |
| Net loans and leases to core deposits | 103.3083% | 1,236 |
| Total domestic deposits to total assets | 77.3451% | 5,242 |
| Equity capital to assets | 11.8491% | 2,122 |
| Core capital (leverage) ratio | 11.1616% | 2,254 |
| Tier 1 risk-based capital ratio | 12.8509% | 4,357 |
| Total risk-based capital ratio | 14.1096% | 4,259 |
| Memoranda: | ||
| Average total assets | $138,313,500 | 3,774 |
| Average earning assets | $128,765,500 | 3,738 |
| Average equity | $16,411,500 | 3,675 |
| Average total loans | $105,571,500 | 3,326 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 3,495 |
| Cost of funding earning assets | 0.3995% | 3,169 |
| Net interest margin | 3.5558% | 3,301 |
| Noninterest income to average assets | 0.8467% | 1,619 |
| Noninterest expense to average assets | 3.1599% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6663% | 3,969 |
| Return on assets (ROA) | 0.6687% | 4,046 |
| Pretax return on assets | 1.0020% | 3,471 |
| Return on Equity (ROE) | 5.5734% | 4,248 |
| Retained earnings to average equity (ytd only) | -3.1804% | 5,833 |
| Net charge-offs to loans | -0.0157% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3919% | 2,370 |
| Assets per employee ($millions) | 3.7279% | 4,418 |
| Cash dividends to net income (ytd only)* | 157.0646% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 716 |
| Loan loss allowance to noncurrent loans | 717.3333% | 798 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 2,033 |
| Noncurrent loans to loans | 0.2881% | 4,430 |
| Net loans and leases to total assets | 73.9366% | 1,743 |
| Net loans and leases to deposits | 95.4584% | 1,072 |
| Net loans and leases to core deposits | 101.2339% | 1,424 |
| Total domestic deposits to total assets | 77.4543% | 5,248 |
| Equity capital to assets | 11.8819% | 2,045 |
| Core capital (leverage) ratio | 11.3496% | 2,087 |
| Tier 1 risk-based capital ratio | 13.1211% | 4,225 |
| Total risk-based capital ratio | 14.3823% | 4,141 |
| Memoranda: | ||
| Average total assets | $136,524,600 | 3,776 |
| Average earning assets | $127,146,000 | 3,753 |
| Average equity | $16,381,400 | 3,620 |
| Average total loans | $101,688,400 | 3,357 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 3,565 |
| Cost of funding earning assets | 0.3958% | 3,261 |
| Net interest margin | 3.5489% | 3,345 |
| Noninterest income to average assets | 0.8460% | 1,632 |
| Noninterest expense to average assets | 3.2654% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5973% | 4,399 |
| Return on assets (ROA) | 0.5973% | 4,499 |
| Pretax return on assets | 0.8900% | 4,015 |
| Return on Equity (ROE) | 4.9654% | 4,642 |
| Retained earnings to average equity (ytd only) | -5.6492% | 6,044 |
| Net charge-offs to loans | 0.0409% | 3,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 29.3242% | 1,521 |
| Efficiency ratio | 77.9925% | 1,945 |
| Assets per employee ($millions) | 3.9185% | 4,041 |
| Cash dividends to net income (ytd only)* | 213.7709% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 820 |
| Loan loss allowance to noncurrent loans | 519.7531% | 995 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 2,044 |
| Noncurrent loans to loans | 0.3984% | 4,187 |
| Net loans and leases to total assets | 72.5778% | 1,970 |
| Net loans and leases to deposits | 95.5470% | 1,050 |
| Net loans and leases to core deposits | 102.8317% | 1,317 |
| Total domestic deposits to total assets | 75.9603% | 5,489 |
| Equity capital to assets | 11.8770% | 2,190 |
| Core capital (leverage) ratio | 11.4915% | 2,047 |
| Tier 1 risk-based capital ratio | 13.5523% | 4,111 |
| Total risk-based capital ratio | 14.8118% | 4,032 |
| Memoranda: | ||
| Average total assets | $136,172,500 | 3,823 |
| Average earning assets | $126,984,500 | 3,797 |
| Average equity | $16,379,500 | 3,648 |
| Average total loans | $101,076,750 | 3,404 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9312% | 3,567 |
| Cost of funding earning assets | 0.4028% | 3,250 |
| Net interest margin | 3.5284% | 3,381 |
| Noninterest income to average assets | 0.8127% | 1,724 |
| Noninterest expense to average assets | 3.2595% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5653% | 4,498 |
| Return on assets (ROA) | 0.5653% | 4,602 |
| Pretax return on assets | 0.8421% | 4,154 |
| Return on Equity (ROE) | 4.6802% | 4,757 |
| Retained earnings to average equity (ytd only) | -9.5432% | 6,169 |
| Net charge-offs to loans | -0.1249% | 5,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8586% | 1,938 |
| Assets per employee ($millions) | 3.6142% | 4,603 |
| Cash dividends to net income (ytd only)* | 303.9063% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2201% | 715 |
| Loan loss allowance to noncurrent loans | 247.9143% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 1.5525% | 1,570 |
| Noncurrent loans to loans | 0.8955% | 2,887 |
| Net loans and leases to total assets | 72.4268% | 1,910 |
| Net loans and leases to deposits | 87.9985% | 1,837 |
| Net loans and leases to core deposits | 94.6504% | 1,897 |
| Total domestic deposits to total assets | 82.3046% | 4,188 |
| Equity capital to assets | 12.0928% | 1,954 |
| Core capital (leverage) ratio | 11.3395% | 2,129 |
| Tier 1 risk-based capital ratio | 13.5247% | 4,201 |
| Total risk-based capital ratio | 14.7877% | 4,128 |
| Memoranda: | ||
| Average total assets | $135,847,330 | 3,857 |
| Average earning assets | $126,628,330 | 3,832 |
| Average equity | $16,409,670 | 3,655 |
| Average total loans | $100,887,670 | 3,424 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8524% | 3,816 |
| Cost of funding earning assets | 0.4092% | 3,200 |
| Net interest margin | 3.4432% | 3,650 |
| Noninterest income to average assets | 0.7421% | 1,952 |
| Noninterest expense to average assets | 3.3950% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3769% | 5,153 |
| Return on assets (ROA) | 0.3769% | 5,276 |
| Pretax return on assets | 0.5434% | 5,063 |
| Return on Equity (ROE) | 3.1218% | 5,326 |
| Retained earnings to average equity (ytd only) | -21.8525% | 6,288 |
| Net charge-offs to loans | -0.1650% | 6,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6083% | 1,215 |
| Assets per employee ($millions) | 3.8590% | 4,233 |
| Cash dividends to net income (ytd only)* | 800.0000% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0962% | 926 |
| Loan loss allowance to noncurrent loans | 275.3477% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 1.4252% | 1,857 |
| Noncurrent loans to loans | 0.7613% | 3,354 |
| Net loans and leases to total assets | 73.2213% | 1,612 |
| Net loans and leases to deposits | 91.5367% | 1,237 |
| Net loans and leases to core deposits | 98.2432% | 1,454 |
| Total domestic deposits to total assets | 79.9912% | 5,053 |
| Equity capital to assets | 11.5862% | 2,387 |
| Core capital (leverage) ratio | 11.5953% | 1,935 |
| Tier 1 risk-based capital ratio | 13.6419% | 4,254 |
| Total risk-based capital ratio | 14.8999% | 4,156 |
| Memoranda: | ||
| Average total assets | $136,909,000 | 3,862 |
| Average earning assets | $127,091,000 | 3,845 |
| Average equity | $16,529,000 | 3,662 |
| Average total loans | $101,806,000 | 3,418 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,463 |
| Cost of funding earning assets | 0.4562% | 3,111 |
| Net interest margin | 3.6082% | 3,385 |
| Noninterest income to average assets | 0.9086% | 1,472 |
| Noninterest expense to average assets | 3.3877% | 1,723 |
| Loan and lease loss provision to assets | 0.0290% | 4,029 |
| Net operating income to assets | 0.5633% | 4,539 |
| Return on assets (ROA) | 0.5647% | 4,623 |
| Pretax return on assets | 0.8268% | 4,156 |
| Return on Equity (ROE) | 4.6275% | 4,830 |
| Retained earnings to average equity (ytd only) | 1.0382% | 5,304 |
| Net charge-offs to loans | -0.0142% | 5,634 |
| Credit loss provision to net charge-offs | -285.7143% | 5,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2933% | 2,025 |
| Assets per employee ($millions) | 3.4588% | 4,964 |
| Cash dividends to net income (ytd only)* | 77.5641% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1422% | 898 |
| Loan loss allowance to noncurrent loans | 501.4085% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 2,383 |
| Noncurrent loans to loans | 0.4272% | 4,360 |
| Net loans and leases to total assets | 72.3353% | 1,853 |
| Net loans and leases to deposits | 90.5292% | 1,460 |
| Net loans and leases to core deposits | 95.8968% | 1,731 |
| Total domestic deposits to total assets | 79.9027% | 5,048 |
| Equity capital to assets | 12.5743% | 1,599 |
| Core capital (leverage) ratio | 11.5745% | 1,922 |
| Tier 1 risk-based capital ratio | 14.3349% | 3,877 |
| Total risk-based capital ratio | 15.5932% | 3,808 |
| Memoranda: | ||
| Average total assets | $138,118,400 | 3,837 |
| Average earning assets | $127,570,400 | 3,815 |
| Average equity | $16,855,800 | 3,546 |
| Average total loans | $98,483,800 | 3,456 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 3,565 |
| Cost of funding earning assets | 0.4610% | 3,143 |
| Net interest margin | 3.5873% | 3,481 |
| Noninterest income to average assets | 0.9127% | 1,486 |
| Noninterest expense to average assets | 3.3725% | 1,735 |
| Loan and lease loss provision to assets | 0.0384% | 3,638 |
| Net operating income to assets | 0.5605% | 4,629 |
| Return on assets (ROA) | 0.5605% | 4,703 |
| Pretax return on assets | 0.8177% | 4,300 |
| Return on Equity (ROE) | 4.6268% | 4,890 |
| Retained earnings to average equity (ytd only) | 0.9745% | 5,494 |
| Net charge-offs to loans | 0.1480% | 2,306 |
| Credit loss provision to net charge-offs | 36.6972% | 3,340 |
| Earnings coverage of net charge-offs (x) | 8.1834% | 2,842 |
| Efficiency ratio | 79.1875% | 2,029 |
| Assets per employee ($millions) | 3.5164% | 4,831 |
| Cash dividends to net income (ytd only)* | 78.9379% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 1,135 |
| Loan loss allowance to noncurrent loans | 475.8865% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 2,535 |
| Noncurrent loans to loans | 0.4348% | 4,596 |
| Net loans and leases to total assets | 69.4708% | 2,274 |
| Net loans and leases to deposits | 86.0921% | 1,895 |
| Net loans and leases to core deposits | 90.9849% | 2,118 |
| Total domestic deposits to total assets | 80.6936% | 4,918 |
| Equity capital to assets | 12.3289% | 1,807 |
| Core capital (leverage) ratio | 11.5698% | 2,003 |
| Tier 1 risk-based capital ratio | 14.1397% | 4,112 |
| Total risk-based capital ratio | 15.3969% | 4,042 |
| Memoranda: | ||
| Average total assets | $138,924,500 | 3,850 |
| Average earning assets | $128,414,000 | 3,825 |
| Average equity | $16,829,250 | 3,567 |
| Average total loans | $98,176,750 | 3,487 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 3,408 |
| Cost of funding earning assets | 0.4695% | 3,110 |
| Net interest margin | 3.6161% | 3,295 |
| Noninterest income to average assets | 0.9074% | 1,477 |
| Noninterest expense to average assets | 3.3386% | 1,825 |
| Loan and lease loss provision to assets | 0.0573% | 3,145 |
| Net operating income to assets | 0.5791% | 4,461 |
| Return on assets (ROA) | 0.5791% | 4,558 |
| Pretax return on assets | 0.8458% | 4,096 |
| Return on Equity (ROE) | 4.8087% | 4,764 |
| Retained earnings to average equity (ytd only) | 1.0950% | 5,320 |
| Net charge-offs to loans | 0.1889% | 1,901 |
| Credit loss provision to net charge-offs | 43.0108% | 2,886 |
| Earnings coverage of net charge-offs (x) | 6.7742% | 2,724 |
| Efficiency ratio | 78.1345% | 2,272 |
| Assets per employee ($millions) | 3.3445% | 5,163 |
| Cash dividends to net income (ytd only)* | 77.2277% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 1,068 |
| Loan loss allowance to noncurrent loans | 233.4868% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 1.5600% | 2,091 |
| Noncurrent loans to loans | 0.9294% | 3,392 |
| Net loans and leases to total assets | 68.3782% | 2,353 |
| Net loans and leases to deposits | 81.5169% | 2,313 |
| Net loans and leases to core deposits | 86.0771% | 2,508 |
| Total domestic deposits to total assets | 83.8823% | 3,966 |
| Equity capital to assets | 12.6553% | 1,566 |
| Core capital (leverage) ratio | 11.3140% | 2,147 |
| Tier 1 risk-based capital ratio | 14.7135% | 3,802 |
| Total risk-based capital ratio | 15.9716% | 3,748 |
| Memoranda: | ||
| Average total assets | $139,519,000 | 3,856 |
| Average earning assets | $128,647,000 | 3,842 |
| Average equity | $16,803,000 | 3,564 |
| Average total loans | $98,473,670 | 3,485 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,532 |
| Cost of funding earning assets | 0.4741% | 3,187 |
| Net interest margin | 3.5633% | 3,416 |
| Noninterest income to average assets | 0.9636% | 1,219 |
| Noninterest expense to average assets | 3.4525% | 1,585 |
| Loan and lease loss provision to assets | 0.0843% | 2,499 |
| Net operating income to assets | 0.4860% | 4,756 |
| Return on assets (ROA) | 0.4860% | 4,831 |
| Pretax return on assets | 0.6995% | 4,492 |
| Return on Equity (ROE) | 4.1339% | 4,975 |
| Retained earnings to average equity (ytd only) | 0.2390% | 5,476 |
| Net charge-offs to loans | 0.2139% | 1,470 |
| Credit loss provision to net charge-offs | 55.5556% | 2,150 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,414 |
| Efficiency ratio | 80.9682% | 2,054 |
| Assets per employee ($millions) | 3.3979% | 5,158 |
| Cash dividends to net income (ytd only)* | 94.2197% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0678% | 1,385 |
| Loan loss allowance to noncurrent loans | 198.2659% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 2,176 |
| Noncurrent loans to loans | 1.0429% | 3,341 |
| Net loans and leases to total assets | 69.9648% | 1,890 |
| Net loans and leases to deposits | 84.8148% | 1,741 |
| Net loans and leases to core deposits | 89.1839% | 1,986 |
| Total domestic deposits to total assets | 82.4912% | 4,788 |
| Equity capital to assets | 12.0527% | 1,836 |
| Core capital (leverage) ratio | 10.7765% | 2,623 |
| Tier 1 risk-based capital ratio | 13.5969% | 4,608 |
| Total risk-based capital ratio | 14.8545% | 4,560 |
| Memoranda: | ||
| Average total assets | $142,389,500 | 3,842 |
| Average earning assets | $130,778,000 | 3,821 |
| Average equity | $16,739,500 | 3,586 |
| Average total loans | $100,958,500 | 3,448 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 4,145 |
| Cost of funding earning assets | 0.5487% | 3,123 |
| Net interest margin | 3.4337% | 4,154 |
| Noninterest income to average assets | 0.8870% | 1,727 |
| Noninterest expense to average assets | 3.1471% | 2,604 |
| Loan and lease loss provision to assets | 0.0824% | 3,469 |
| Net operating income to assets | 0.5580% | 4,465 |
| Return on assets (ROA) | 0.5637% | 4,558 |
| Pretax return on assets | 0.8191% | 4,080 |
| Return on Equity (ROE) | 4.8537% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.8631% | 5,452 |
| Net charge-offs to loans | 0.1276% | 3,540 |
| Credit loss provision to net charge-offs | 95.2381% | 2,630 |
| Earnings coverage of net charge-offs (x) | 10.3254% | 2,390 |
| Efficiency ratio | 77.8929% | 2,491 |
| Assets per employee ($millions) | 3.7299% | 4,414 |
| Cash dividends to net income (ytd only)* | 82.2168% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0334% | 1,483 |
| Loan loss allowance to noncurrent loans | 242.6573% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 1.4649% | 2,545 |
| Noncurrent loans to loans | 0.8380% | 3,885 |
| Net loans and leases to total assets | 68.9556% | 2,183 |
| Net loans and leases to deposits | 89.1269% | 1,330 |
| Net loans and leases to core deposits | 93.2958% | 1,652 |
| Total domestic deposits to total assets | 77.3679% | 5,920 |
| Equity capital to assets | 11.4721% | 2,188 |
| Core capital (leverage) ratio | 10.5128% | 2,903 |
| Tier 1 risk-based capital ratio | 12.7360% | 5,150 |
| Total risk-based capital ratio | 13.9923% | 5,092 |
| Memoranda: | ||
| Average total assets | $145,656,400 | 3,776 |
| Average earning assets | $133,762,400 | 3,759 |
| Average equity | $16,914,800 | 3,572 |
| Average total loans | $98,735,600 | 3,480 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 4,325 |
| Cost of funding earning assets | 0.5612% | 3,155 |
| Net interest margin | 3.3861% | 4,330 |
| Noninterest income to average assets | 0.9233% | 1,679 |
| Noninterest expense to average assets | 3.2330% | 2,254 |
| Loan and lease loss provision to assets | 0.0824% | 3,421 |
| Net operating income to assets | 0.5020% | 4,779 |
| Return on assets (ROA) | 0.5097% | 4,917 |
| Pretax return on assets | 0.7330% | 4,565 |
| Return on Equity (ROE) | 4.3759% | 5,039 |
| Retained earnings to average equity (ytd only) | 4.3759% | 3,560 |
| Net charge-offs to loans | 0.0818% | 3,783 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 14.6496% | 1,927 |
| Efficiency ratio | 80.0771% | 2,086 |
| Assets per employee ($millions) | 3.7863% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0888% | 1,533 |
| Loan loss allowance to noncurrent loans | 217.2308% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 1.5589% | 2,595 |
| Noncurrent loans to loans | 0.9615% | 3,891 |
| Net loans and leases to total assets | 67.2346% | 2,423 |
| Net loans and leases to deposits | 87.6662% | 1,404 |
| Net loans and leases to core deposits | 92.0719% | 1,760 |
| Total domestic deposits to total assets | 76.6939% | 6,090 |
| Equity capital to assets | 11.6182% | 2,202 |
| Core capital (leverage) ratio | 10.6377% | 2,849 |
| Tier 1 risk-based capital ratio | 13.1067% | 5,050 |
| Total risk-based capital ratio | 14.3638% | 4,991 |
| Memoranda: | ||
| Average total assets | $145,704,000 | 3,817 |
| Average earning assets | $133,996,000 | 3,790 |
| Average equity | $16,971,500 | 3,607 |
| Average total loans | $97,822,250 | 3,529 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 4,358 |
| Cost of funding earning assets | 0.5817% | 3,108 |
| Net interest margin | 3.3475% | 4,386 |
| Noninterest income to average assets | 0.9321% | 1,711 |
| Noninterest expense to average assets | 3.1948% | 2,368 |
| Loan and lease loss provision to assets | 0.0827% | 3,414 |
| Net operating income to assets | 0.5041% | 4,780 |
| Return on assets (ROA) | 0.5157% | 4,901 |
| Pretax return on assets | 0.7418% | 4,531 |
| Return on Equity (ROE) | 4.4234% | 5,043 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,460 |
| Net charge-offs to loans | 0.1345% | 3,027 |
| Credit loss provision to net charge-offs | 92.3077% | 2,386 |
| Earnings coverage of net charge-offs (x) | 9.0154% | 2,335 |
| Efficiency ratio | 79.8140% | 2,185 |
| Assets per employee ($millions) | 3.5404% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1651% | 1,494 |
| Loan loss allowance to noncurrent loans | 233.7823% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5418% | 2,797 |
| Noncurrent loans to loans | 0.9261% | 4,070 |
| Net loans and leases to total assets | 64.8422% | 2,787 |
| Net loans and leases to deposits | 80.0733% | 2,308 |
| Net loans and leases to core deposits | 83.8579% | 2,580 |
| Total domestic deposits to total assets | 80.9785% | 5,344 |
| Equity capital to assets | 11.6116% | 2,206 |
| Core capital (leverage) ratio | 10.5280% | 2,848 |
| Tier 1 risk-based capital ratio | 13.6263% | 4,690 |
| Total risk-based capital ratio | 14.8841% | 4,647 |
| Memoranda: | ||
| Average total assets | $145,050,330 | 3,855 |
| Average earning assets | $133,055,000 | 3,843 |
| Average equity | $16,910,000 | 3,636 |
| Average total loans | $96,629,670 | 3,574 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 4,221 |
| Cost of funding earning assets | 0.6000% | 3,106 |
| Net interest margin | 3.3741% | 4,215 |
| Noninterest income to average assets | 0.9159% | 1,709 |
| Noninterest expense to average assets | 3.2773% | 2,137 |
| Loan and lease loss provision to assets | 0.0828% | 3,272 |
| Net operating income to assets | 0.4513% | 4,905 |
| Return on assets (ROA) | 0.4745% | 4,966 |
| Pretax return on assets | 0.6759% | 4,675 |
| Return on Equity (ROE) | 4.0620% | 5,061 |
| Retained earnings to average equity (ytd only) | 4.0620% | 3,789 |
| Net charge-offs to loans | -0.0578% | 6,196 |
| Credit loss provision to net charge-offs | -214.2857% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8746% | 2,051 |
| Assets per employee ($millions) | 3.6019% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2858% | 1,434 |
| Loan loss allowance to noncurrent loans | 212.7745% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 2,824 |
| Noncurrent loans to loans | 1.0743% | 4,001 |
| Net loans and leases to total assets | 61.7169% | 3,122 |
| Net loans and leases to deposits | 72.9875% | 3,054 |
| Net loans and leases to core deposits | 76.0637% | 3,316 |
| Total domestic deposits to total assets | 84.5581% | 4,247 |
| Equity capital to assets | 11.5178% | 2,395 |
| Core capital (leverage) ratio | 10.4534% | 2,842 |
| Tier 1 risk-based capital ratio | 13.9068% | 4,574 |
| Total risk-based capital ratio | 15.1662% | 4,526 |
| Memoranda: | ||
| Average total assets | $144,997,000 | 3,897 |
| Average earning assets | $132,656,500 | 3,889 |
| Average equity | $16,937,500 | 3,684 |
| Average total loans | $96,841,500 | 3,595 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 3,625 |
| Cost of funding earning assets | 0.8294% | 2,427 |
| Net interest margin | 3.6176% | 4,012 |
| Noninterest income to average assets | 0.9472% | 1,713 |
| Noninterest expense to average assets | 3.4058% | 2,031 |
| Loan and lease loss provision to assets | 0.2113% | 3,032 |
| Net operating income to assets | 0.4510% | 4,883 |
| Return on assets (ROA) | 0.4775% | 5,021 |
| Pretax return on assets | 0.6726% | 4,752 |
| Return on Equity (ROE) | 4.1329% | 5,088 |
| Retained earnings to average equity (ytd only) | 4.1329% | 3,316 |
| Net charge-offs to loans | 0.6538% | 1,797 |
| Credit loss provision to net charge-offs | 46.7290% | 4,766 |
| Earnings coverage of net charge-offs (x) | 1.8723% | 4,490 |
| Efficiency ratio | 80.0927% | 2,129 |
| Assets per employee ($millions) | 3.3885% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 1,818 |
| Loan loss allowance to noncurrent loans | 195.1402% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.7370% | 2,786 |
| Noncurrent loans to loans | 1.0656% | 4,077 |
| Net loans and leases to total assets | 69.0861% | 2,013 |
| Net loans and leases to deposits | 85.6038% | 1,561 |
| Net loans and leases to core deposits | 89.7533% | 1,862 |
| Total domestic deposits to total assets | 80.7045% | 5,485 |
| Equity capital to assets | 11.8509% | 2,144 |
| Core capital (leverage) ratio | 10.4349% | 2,842 |
| Tier 1 risk-based capital ratio | 12.8360% | 5,224 |
| Total risk-based capital ratio | 14.0937% | 5,158 |
| Memoranda: | ||
| Average total assets | $141,992,200 | 3,915 |
| Average earning assets | $129,727,200 | 3,904 |
| Average equity | $16,405,000 | 3,725 |
| Average total loans | $98,200,800 | 3,567 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 3,726 |
| Cost of funding earning assets | 0.8753% | 2,352 |
| Net interest margin | 3.6029% | 4,224 |
| Noninterest income to average assets | 0.9752% | 1,580 |
| Noninterest expense to average assets | 3.5251% | 1,701 |
| Loan and lease loss provision to assets | 0.2114% | 2,951 |
| Net operating income to assets | 0.3888% | 5,297 |
| Return on assets (ROA) | 0.4247% | 5,381 |
| Pretax return on assets | 0.5872% | 5,210 |
| Return on Equity (ROE) | 3.6996% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.6996% | 4,286 |
| Net charge-offs to loans | 0.2499% | 3,222 |
| Credit loss provision to net charge-offs | 122.9508% | 2,351 |
| Earnings coverage of net charge-offs (x) | 4.3553% | 3,327 |
| Efficiency ratio | 82.4797% | 1,755 |
| Assets per employee ($millions) | 3.2851% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,246 |
| Loan loss allowance to noncurrent loans | 147.1429% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 2.3496% | 2,263 |
| Noncurrent loans to loans | 1.6750% | 3,276 |
| Net loans and leases to total assets | 69.2527% | 2,057 |
| Net loans and leases to deposits | 84.8478% | 1,755 |
| Net loans and leases to core deposits | 89.8732% | 1,998 |
| Total domestic deposits to total assets | 81.6198% | 5,156 |
| Equity capital to assets | 11.8108% | 2,419 |
| Core capital (leverage) ratio | 10.3030% | 3,160 |
| Tier 1 risk-based capital ratio | 12.5496% | 5,604 |
| Total risk-based capital ratio | 13.8108% | 5,555 |
| Memoranda: | ||
| Average total assets | $141,910,750 | 3,957 |
| Average earning assets | $129,929,250 | 3,939 |
| Average equity | $16,289,750 | 3,774 |
| Average total loans | $97,648,500 | 3,619 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 3,748 |
| Cost of funding earning assets | 0.9387% | 2,126 |
| Net interest margin | 3.5659% | 4,395 |
| Noninterest income to average assets | 0.9893% | 1,494 |
| Noninterest expense to average assets | 3.4856% | 1,813 |
| Loan and lease loss provision to assets | 0.2111% | 2,965 |
| Net operating income to assets | 0.4211% | 5,145 |
| Return on assets (ROA) | 0.4770% | 5,170 |
| Pretax return on assets | 0.6332% | 5,014 |
| Return on Equity (ROE) | 4.1960% | 5,180 |
| Retained earnings to average equity (ytd only) | 4.1960% | 3,819 |
| Net charge-offs to loans | 0.2170% | 3,276 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 5.2095% | 2,883 |
| Efficiency ratio | 81.9114% | 1,889 |
| Assets per employee ($millions) | 3.0405% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5326% | 1,244 |
| Loan loss allowance to noncurrent loans | 158.3493% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 2.0284% | 2,747 |
| Noncurrent loans to loans | 1.5994% | 3,511 |
| Net loans and leases to total assets | 68.1019% | 2,277 |
| Net loans and leases to deposits | 81.7036% | 2,152 |
| Net loans and leases to core deposits | 86.1749% | 2,407 |
| Total domestic deposits to total assets | 83.3524% | 4,605 |
| Equity capital to assets | 11.7049% | 2,408 |
| Core capital (leverage) ratio | 9.8868% | 3,596 |
| Tier 1 risk-based capital ratio | 12.7747% | 5,356 |
| Total risk-based capital ratio | 14.0374% | 5,321 |
| Memoranda: | ||
| Average total assets | $142,127,330 | 3,969 |
| Average earning assets | $130,176,000 | 3,956 |
| Average equity | $16,158,330 | 3,781 |
| Average total loans | $96,765,000 | 3,649 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 3,945 |
| Cost of funding earning assets | 0.9966% | 2,002 |
| Net interest margin | 3.4956% | 4,724 |
| Noninterest income to average assets | 0.8181% | 2,072 |
| Noninterest expense to average assets | 3.5153% | 1,730 |
| Loan and lease loss provision to assets | 0.2094% | 2,852 |
| Net operating income to assets | 0.2457% | 5,839 |
| Return on assets (ROA) | 0.2457% | 5,985 |
| Pretax return on assets | 0.2960% | 5,986 |
| Return on Equity (ROE) | 2.1929% | 6,008 |
| Retained earnings to average equity (ytd only) | 2.1929% | 5,166 |
| Net charge-offs to loans | 0.3116% | 2,404 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.4133% | 3,212 |
| Efficiency ratio | 87.4306% | 1,345 |
| Assets per employee ($millions) | 2.9693% | 6,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5620% | 1,275 |
| Loan loss allowance to noncurrent loans | 127.1586% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 2.3080% | 2,570 |
| Noncurrent loans to loans | 2.0148% | 3,140 |
| Net loans and leases to total assets | 63.5179% | 2,946 |
| Net loans and leases to deposits | 75.7198% | 2,839 |
| Net loans and leases to core deposits | 79.9039% | 3,082 |
| Total domestic deposits to total assets | 83.8855% | 4,552 |
| Equity capital to assets | 11.1096% | 2,793 |
| Core capital (leverage) ratio | 9.5815% | 3,942 |
| Tier 1 risk-based capital ratio | 12.5784% | 5,539 |
| Total risk-based capital ratio | 13.8405% | 5,494 |
| Memoranda: | ||
| Average total assets | $143,259,000 | 3,986 |
| Average earning assets | $131,249,000 | 3,961 |
| Average equity | $16,052,000 | 3,805 |
| Average total loans | $96,285,000 | 3,678 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 3,355 |
| Cost of funding earning assets | 1.3335% | 1,329 |
| Net interest margin | 3.5672% | 4,858 |
| Noninterest income to average assets | 1.1920% | 933 |
| Noninterest expense to average assets | 3.5379% | 1,892 |
| Loan and lease loss provision to assets | 0.6431% | 1,588 |
| Net operating income to assets | 0.2436% | 5,446 |
| Return on assets (ROA) | 0.2737% | 5,507 |
| Pretax return on assets | 0.3139% | 5,522 |
| Return on Equity (ROE) | 2.5939% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.5939% | 4,378 |
| Net charge-offs to loans | 0.2353% | 4,308 |
| Credit loss provision to net charge-offs | 393.2203% | 593 |
| Earnings coverage of net charge-offs (x) | 5.6398% | 2,723 |
| Efficiency ratio | 79.3195% | 2,400 |
| Assets per employee ($millions) | 3.0657% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4866% | 1,335 |
| Loan loss allowance to noncurrent loans | 132.2089% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 2.3450% | 2,585 |
| Noncurrent loans to loans | 1.8808% | 3,364 |
| Net loans and leases to total assets | 67.5739% | 2,476 |
| Net loans and leases to deposits | 81.1759% | 2,329 |
| Net loans and leases to core deposits | 86.7784% | 2,531 |
| Total domestic deposits to total assets | 83.2437% | 4,650 |
| Equity capital to assets | 11.3032% | 2,691 |
| Core capital (leverage) ratio | 9.5125% | 4,008 |
| Tier 1 risk-based capital ratio | 12.3213% | 5,602 |
| Total risk-based capital ratio | 13.5837% | 5,565 |
| Memoranda: | ||
| Average total assets | $144,296,400 | 3,906 |
| Average earning assets | $132,204,600 | 3,884 |
| Average equity | $15,227,800 | 3,864 |
| Average total loans | $100,282,600 | 3,613 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9011% | 3,548 |
| Cost of funding earning assets | 1.3764% | 1,333 |
| Net interest margin | 3.5247% | 5,078 |
| Noninterest income to average assets | 1.2440% | 836 |
| Noninterest expense to average assets | 3.5511% | 1,809 |
| Loan and lease loss provision to assets | 0.8526% | 1,072 |
| Net operating income to assets | 0.1130% | 5,934 |
| Return on assets (ROA) | 0.1589% | 5,927 |
| Pretax return on assets | 0.1213% | 6,058 |
| Return on Equity (ROE) | 1.5327% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.5327% | 5,369 |
| Net charge-offs to loans | 0.3884% | 3,172 |
| Credit loss provision to net charge-offs | 315.6463% | 894 |
| Earnings coverage of net charge-offs (x) | 3.4354% | 3,437 |
| Efficiency ratio | 79.2821% | 2,365 |
| Assets per employee ($millions) | 3.0942% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3794% | 1,570 |
| Loan loss allowance to noncurrent loans | 68.6740% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.6965% | 2,405 |
| Noncurrent loans to loans | 3.4647% | 1,982 |
| Net loans and leases to total assets | 68.3742% | 2,407 |
| Net loans and leases to deposits | 82.2701% | 2,306 |
| Net loans and leases to core deposits | 90.6482% | 2,169 |
| Total domestic deposits to total assets | 83.1093% | 4,633 |
| Equity capital to assets | 11.0965% | 3,052 |
| Core capital (leverage) ratio | 9.3152% | 4,427 |
| Tier 1 risk-based capital ratio | 11.9393% | 5,935 |
| Total risk-based capital ratio | 13.2002% | 5,911 |
| Memoranda: | ||
| Average total assets | $145,115,000 | 3,908 |
| Average earning assets | $133,190,000 | 3,892 |
| Average equity | $15,049,750 | 3,911 |
| Average total loans | $100,922,250 | 3,626 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 3,359 |
| Cost of funding earning assets | 1.4148% | 1,354 |
| Net interest margin | 3.5445% | 4,949 |
| Noninterest income to average assets | 1.0791% | 1,118 |
| Noninterest expense to average assets | 3.4771% | 2,043 |
| Loan and lease loss provision to assets | 1.2709% | 589 |
| Net operating income to assets | -0.1931% | 6,467 |
| Return on assets (ROA) | -0.1931% | 6,502 |
| Pretax return on assets | -0.4163% | 6,599 |
| Return on Equity (ROE) | -1.9052% | 6,506 |
| Retained earnings to average equity (ytd only) | -1.9052% | 6,234 |
| Net charge-offs to loans | 0.7362% | 2,035 |
| Credit loss provision to net charge-offs | 248.7936% | 1,220 |
| Earnings coverage of net charge-offs (x) | 1.6729% | 4,037 |
| Efficiency ratio | 80.2719% | 2,346 |
| Assets per employee ($millions) | 3.1443% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2255% | 1,869 |
| Loan loss allowance to noncurrent loans | 66.7734% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.7019% | 2,478 |
| Noncurrent loans to loans | 3.3330% | 2,143 |
| Net loans and leases to total assets | 69.6488% | 2,288 |
| Net loans and leases to deposits | 83.3462% | 2,210 |
| Net loans and leases to core deposits | 92.1126% | 2,109 |
| Total domestic deposits to total assets | 83.5658% | 4,519 |
| Equity capital to assets | 10.7296% | 3,253 |
| Core capital (leverage) ratio | 8.9722% | 4,766 |
| Tier 1 risk-based capital ratio | 11.4102% | 6,240 |
| Total risk-based capital ratio | 12.6696% | 6,222 |
| Memoranda: | ||
| Average total assets | $146,042,330 | 3,920 |
| Average earning assets | $134,009,330 | 3,909 |
| Average equity | $14,801,670 | 3,945 |
| Average total loans | $101,332,670 | 3,652 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 3,669 |
| Cost of funding earning assets | 1.4709% | 1,291 |
| Net interest margin | 3.4133% | 5,380 |
| Noninterest income to average assets | 0.6869% | 2,644 |
| Noninterest expense to average assets | 3.2437% | 2,730 |
| Loan and lease loss provision to assets | 1.5755% | 391 |
| Net operating income to assets | -0.5751% | 6,853 |
| Return on assets (ROA) | -0.5751% | 6,855 |
| Pretax return on assets | -1.0140% | 7,003 |
| Return on Equity (ROE) | -5.8437% | 6,855 |
| Retained earnings to average equity (ytd only) | -5.8437% | 6,583 |
| Net charge-offs to loans | 1.8550% | 695 |
| Credit loss provision to net charge-offs | 124.0343% | 2,218 |
| Earnings coverage of net charge-offs (x) | 0.4421% | 4,292 |
| Efficiency ratio | 85.2436% | 1,805 |
| Assets per employee ($millions) | 3.2446% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 2,958 |
| Loan loss allowance to noncurrent loans | 79.9481% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 2.3437% | 2,902 |
| Noncurrent loans to loans | 2.2726% | 3,229 |
| Net loans and leases to total assets | 66.9811% | 2,760 |
| Net loans and leases to deposits | 80.2392% | 2,674 |
| Net loans and leases to core deposits | 89.4042% | 2,425 |
| Total domestic deposits to total assets | 83.4768% | 4,706 |
| Equity capital to assets | 10.1507% | 3,592 |
| Core capital (leverage) ratio | 8.7644% | 4,980 |
| Tier 1 risk-based capital ratio | 11.1516% | 6,393 |
| Total risk-based capital ratio | 12.4064% | 6,358 |
| Memoranda: | ||
| Average total assets | $146,745,000 | 3,939 |
| Average earning assets | $134,065,000 | 3,933 |
| Average equity | $14,443,000 | 4,009 |
| Average total loans | $100,483,500 | 3,705 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 3,921 |
| Cost of funding earning assets | 1.8734% | 932 |
| Net interest margin | 3.2632% | 6,093 |
| Noninterest income to average assets | 0.7055% | 2,814 |
| Noninterest expense to average assets | 3.3305% | 2,638 |
| Loan and lease loss provision to assets | 0.4232% | 3,577 |
| Net operating income to assets | -0.0053% | 5,842 |
| Return on assets (ROA) | 0.0727% | 5,790 |
| Pretax return on assets | 0.0013% | 5,894 |
| Return on Equity (ROE) | 0.7968% | 5,753 |
| Retained earnings to average equity (ytd only) | 0.7968% | 5,154 |
| Net charge-offs to loans | 1.7431% | 1,232 |
| Credit loss provision to net charge-offs | 37.0156% | 6,423 |
| Earnings coverage of net charge-offs (x) | 0.3031% | 5,805 |
| Efficiency ratio | 90.5772% | 1,281 |
| Assets per employee ($millions) | 3.1356% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 3,016 |
| Loan loss allowance to noncurrent loans | 56.1732% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.7642% | 2,534 |
| Noncurrent loans to loans | 3.1206% | 2,446 |
| Net loans and leases to total assets | 67.5331% | 3,095 |
| Net loans and leases to deposits | 80.8931% | 3,014 |
| Net loans and leases to core deposits | 91.1788% | 2,594 |
| Total domestic deposits to total assets | 83.4844% | 4,615 |
| Equity capital to assets | 9.5231% | 4,376 |
| Core capital (leverage) ratio | 7.7056% | 6,541 |
| Tier 1 risk-based capital ratio | 10.1875% | 6,876 |
| Total risk-based capital ratio | 11.4417% | 6,856 |
| Memoranda: | ||
| Average total assets | $151,240,400 | 3,854 |
| Average earning assets | $137,716,000 | 3,860 |
| Average equity | $13,805,800 | 4,182 |
| Average total loans | $99,193,800 | 3,821 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 4,704 |
| Cost of funding earning assets | 1.9354% | 914 |
| Net interest margin | 3.0883% | 6,641 |
| Noninterest income to average assets | 0.6562% | 3,089 |
| Noninterest expense to average assets | 3.2951% | 2,589 |
| Loan and lease loss provision to assets | 0.3835% | 3,587 |
| Net operating income to assets | -0.0640% | 6,132 |
| Return on assets (ROA) | -0.0026% | 6,133 |
| Pretax return on assets | -0.1159% | 6,237 |
| Return on Equity (ROE) | -0.0289% | 6,135 |
| Retained earnings to average equity (ytd only) | -0.0289% | 5,789 |
| Net charge-offs to loans | 0.7809% | 2,483 |
| Credit loss provision to net charge-offs | 75.7315% | 5,261 |
| Earnings coverage of net charge-offs (x) | 0.3391% | 5,688 |
| Efficiency ratio | 95.0478% | 942 |
| Assets per employee ($millions) | 3.2287% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6772% | 1,104 |
| Loan loss allowance to noncurrent loans | 45.2722% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 4.6263% | 1,452 |
| Noncurrent loans to loans | 5.9135% | 1,074 |
| Net loans and leases to total assets | 65.7436% | 3,748 |
| Net loans and leases to deposits | 78.6930% | 3,688 |
| Net loans and leases to core deposits | 89.1326% | 3,221 |
| Total domestic deposits to total assets | 83.5444% | 4,355 |
| Equity capital to assets | 9.3246% | 5,095 |
| Core capital (leverage) ratio | 7.6614% | 6,714 |
| Tier 1 risk-based capital ratio | 10.0308% | 7,052 |
| Total risk-based capital ratio | 11.2952% | 7,028 |
| Memoranda: | ||
| Average total assets | $152,990,750 | 3,879 |
| Average earning assets | $139,229,750 | 3,887 |
| Average equity | $13,823,250 | 4,246 |
| Average total loans | $99,205,500 | 3,879 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 4,713 |
| Cost of funding earning assets | 1.9800% | 953 |
| Net interest margin | 3.0682% | 6,681 |
| Noninterest income to average assets | 0.6616% | 2,947 |
| Noninterest expense to average assets | 3.3571% | 2,382 |
| Loan and lease loss provision to assets | 0.0129% | 6,783 |
| Net operating income to assets | 0.1243% | 5,795 |
| Return on assets (ROA) | 0.1243% | 5,898 |
| Pretax return on assets | 0.0803% | 6,020 |
| Return on Equity (ROE) | 1.3898% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.3898% | 5,187 |
| Net charge-offs to loans | 0.6132% | 2,695 |
| Credit loss provision to net charge-offs | 3.3003% | 5,991 |
| Earnings coverage of net charge-offs (x) | 0.2376% | 5,492 |
| Efficiency ratio | 97.2983% | 907 |
| Assets per employee ($millions) | 3.3251% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6407% | 1,144 |
| Loan loss allowance to noncurrent loans | 50.5284% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 4.0411% | 1,705 |
| Noncurrent loans to loans | 5.2262% | 1,304 |
| Net loans and leases to total assets | 61.0802% | 4,862 |
| Net loans and leases to deposits | 72.7913% | 4,877 |
| Net loans and leases to core deposits | 82.9610% | 4,286 |
| Total domestic deposits to total assets | 83.9114% | 4,143 |
| Equity capital to assets | 9.1486% | 5,217 |
| Core capital (leverage) ratio | 9.0080% | 4,588 |
| Tier 1 risk-based capital ratio | 12.6161% | 4,762 |
| Total risk-based capital ratio | 13.8790% | 4,718 |
| Memoranda: | ||
| Average total assets | $154,480,670 | 3,879 |
| Average earning assets | $140,406,330 | 3,897 |
| Average equity | $13,814,670 | 4,241 |
| Average total loans | $98,831,000 | 3,936 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 3,768 |
| Cost of funding earning assets | 2.0309% | 997 |
| Net interest margin | 3.2227% | 6,220 |
| Noninterest income to average assets | 0.5437% | 3,696 |
| Noninterest expense to average assets | 3.1950% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2448% | 5,522 |
| Return on assets (ROA) | 0.2448% | 5,643 |
| Pretax return on assets | 0.2680% | 5,693 |
| Return on Equity (ROE) | 2.7686% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.7686% | 4,473 |
| Net charge-offs to loans | -1.3324% | 7,860 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2619% | 1,260 |
| Assets per employee ($millions) | 3.3605% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2713% | 654 |
| Loan loss allowance to noncurrent loans | 48.1933% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 5.1027% | 1,248 |
| Noncurrent loans to loans | 6.7880% | 897 |
| Net loans and leases to total assets | 60.4625% | 5,044 |
| Net loans and leases to deposits | 72.4807% | 4,989 |
| Net loans and leases to core deposits | 84.2378% | 4,168 |
| Total domestic deposits to total assets | 83.4188% | 4,418 |
| Equity capital to assets | 8.9129% | 5,399 |
| Core capital (leverage) ratio | 9.0193% | 4,530 |
| Tier 1 risk-based capital ratio | 12.4353% | 4,807 |
| Total risk-based capital ratio | 13.7045% | 4,737 |
| Memoranda: | ||
| Average total assets | $155,244,500 | 3,924 |
| Average earning assets | $140,629,500 | 3,949 |
| Average equity | $13,725,500 | 4,307 |
| Average total loans | $100,267,500 | 3,957 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7129% | 3,042 |
| Cost of funding earning assets | 2.5635% | 868 |
| Net interest margin | 3.1494% | 6,228 |
| Noninterest income to average assets | 0.6296% | 3,425 |
| Noninterest expense to average assets | 2.9138% | 4,494 |
| Loan and lease loss provision to assets | 3.9812% | 342 |
| Net operating income to assets | -2.1451% | 7,144 |
| Return on assets (ROA) | -2.0826% | 7,122 |
| Pretax return on assets | -3.2872% | 7,365 |
| Return on Equity (ROE) | -21.9498% | 7,208 |
| Retained earnings to average equity (ytd only) | -23.9584% | 7,235 |
| Net charge-offs to loans | 4.4562% | 332 |
| Credit loss provision to net charge-offs | 122.4445% | 4,320 |
| Earnings coverage of net charge-offs (x) | 0.1834% | 5,966 |
| Efficiency ratio | 83.0091% | 2,476 |
| Assets per employee ($millions) | 3.7120% | 4,491 |
| Cash dividends to net income (ytd only)* | -9.1505% | 7,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7207% | 999 |
| Loan loss allowance to noncurrent loans | 39.3459% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 4.7805% | 1,316 |
| Noncurrent loans to loans | 6.9148% | 823 |
| Net loans and leases to total assets | 64.8354% | 4,406 |
| Net loans and leases to deposits | 77.9759% | 4,380 |
| Net loans and leases to core deposits | 107.6658% | 3,141 |
| Total domestic deposits to total assets | 83.1480% | 4,459 |
| Equity capital to assets | 8.7701% | 5,484 |
| Core capital (leverage) ratio | 8.9954% | 4,430 |
| Tier 1 risk-based capital ratio | 11.7534% | 5,154 |
| Total risk-based capital ratio | 13.0179% | 5,104 |
| Memoranda: | ||
| Average total assets | $153,749,000 | 3,905 |
| Average earning assets | $140,629,200 | 3,889 |
| Average equity | $14,587,800 | 4,128 |
| Average total loans | $112,179,600 | 3,646 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7284% | 3,197 |
| Cost of funding earning assets | 2.6758% | 847 |
| Net interest margin | 3.0526% | 6,456 |
| Noninterest income to average assets | 0.6849% | 3,121 |
| Noninterest expense to average assets | 2.8701% | 4,568 |
| Loan and lease loss provision to assets | 5.3268% | 148 |
| Net operating income to assets | -2.9875% | 7,580 |
| Return on assets (ROA) | -2.9040% | 7,563 |
| Pretax return on assets | -4.5827% | 7,764 |
| Return on Equity (ROE) | -30.0288% | 7,608 |
| Retained earnings to average equity (ytd only) | -32.6655% | 7,645 |
| Net charge-offs to loans | 5.6764% | 169 |
| Credit loss provision to net charge-offs | 125.8429% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1449% | 5,889 |
| Efficiency ratio | 82.3882% | 2,529 |
| Assets per employee ($millions) | 3.5190% | 4,879 |
| Cash dividends to net income (ytd only)* | -8.7804% | 7,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6780% | 900 |
| Loan loss allowance to noncurrent loans | 42.4052% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 5.0671% | 1,153 |
| Noncurrent loans to loans | 6.3152% | 924 |
| Net loans and leases to total assets | 72.8318% | 2,838 |
| Net loans and leases to deposits | 88.9517% | 2,789 |
| Net loans and leases to core deposits | 121.6591% | 2,101 |
| Total domestic deposits to total assets | 81.8780% | 4,725 |
| Equity capital to assets | 9.2356% | 5,108 |
| Core capital (leverage) ratio | 9.0947% | 4,499 |
| Tier 1 risk-based capital ratio | 11.4253% | 5,500 |
| Total risk-based capital ratio | 12.6903% | 5,437 |
| Memoranda: | ||
| Average total assets | $153,210,250 | 3,927 |
| Average earning assets | $140,467,000 | 3,919 |
| Average equity | $14,816,500 | 4,131 |
| Average total loans | $114,247,500 | 3,632 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9391% | 2,422 |
| Cost of funding earning assets | 2.7464% | 913 |
| Net interest margin | 3.1927% | 5,940 |
| Noninterest income to average assets | 0.6141% | 3,572 |
| Noninterest expense to average assets | 2.8526% | 4,721 |
| Loan and lease loss provision to assets | 3.1300% | 479 |
| Net operating income to assets | -1.4558% | 7,223 |
| Return on assets (ROA) | -1.3831% | 7,199 |
| Pretax return on assets | -2.3198% | 7,378 |
| Return on Equity (ROE) | -14.1003% | 7,286 |
| Retained earnings to average equity (ytd only) | -16.3364% | 7,320 |
| Net charge-offs to loans | 0.6686% | 2,368 |
| Credit loss provision to net charge-offs | 628.4974% | 741 |
| Earnings coverage of net charge-offs (x) | 1.3990% | 4,481 |
| Efficiency ratio | 80.3708% | 2,984 |
| Assets per employee ($millions) | 3.6618% | 4,421 |
| Cash dividends to net income (ytd only)* | -15.8582% | 7,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2988% | 448 |
| Loan loss allowance to noncurrent loans | 49.5174% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 5.0924% | 1,027 |
| Noncurrent loans to loans | 6.6619% | 774 |
| Net loans and leases to total assets | 71.3805% | 3,383 |
| Net loans and leases to deposits | 88.1343% | 3,147 |
| Net loans and leases to core deposits | 119.0774% | 2,446 |
| Total domestic deposits to total assets | 80.9905% | 5,083 |
| Equity capital to assets | 10.3962% | 3,521 |
| Core capital (leverage) ratio | 10.4386% | 2,865 |
| Tier 1 risk-based capital ratio | 13.3298% | 3,914 |
| Total risk-based capital ratio | 14.6033% | 3,835 |
| Memoranda: | ||
| Average total assets | $155,014,330 | 3,924 |
| Average earning assets | $142,513,330 | 3,890 |
| Average equity | $15,205,330 | 4,080 |
| Average total loans | $115,461,330 | 3,637 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1467% | 1,776 |
| Cost of funding earning assets | 2.8166% | 944 |
| Net interest margin | 3.3300% | 5,397 |
| Noninterest income to average assets | 0.6066% | 3,502 |
| Noninterest expense to average assets | 2.5600% | 5,611 |
| Loan and lease loss provision to assets | 6.2356% | 118 |
| Net operating income to assets | -3.1718% | 7,868 |
| Return on assets (ROA) | -3.1718% | 7,871 |
| Pretax return on assets | -5.1381% | 7,997 |
| Return on Equity (ROE) | -33.3210% | 7,929 |
| Retained earnings to average equity (ytd only) | -34.9141% | 7,914 |
| Net charge-offs to loans | 1.5323% | 943 |
| Credit loss provision to net charge-offs | 543.9462% | 1,021 |
| Earnings coverage of net charge-offs (x) | 0.9574% | 4,295 |
| Efficiency ratio | 69.9930% | 4,578 |
| Assets per employee ($millions) | 3.6597% | 4,426 |
| Cash dividends to net income (ytd only)* | -4.7812% | 8,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1946% | 405 |
| Loan loss allowance to noncurrent loans | 30.1037% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 7.9496% | 374 |
| Noncurrent loans to loans | 10.6121% | 251 |
| Net loans and leases to total assets | 70.9583% | 3,479 |
| Net loans and leases to deposits | 88.6209% | 3,167 |
| Net loans and leases to core deposits | 118.8786% | 2,516 |
| Total domestic deposits to total assets | 80.0695% | 5,342 |
| Equity capital to assets | 10.1800% | 3,781 |
| Core capital (leverage) ratio | 10.4341% | 2,998 |
| Tier 1 risk-based capital ratio | 12.9949% | 4,180 |
| Total risk-based capital ratio | 14.2666% | 4,093 |
| Memoranda: | ||
| Average total assets | $155,623,000 | 3,917 |
| Average earning assets | $142,581,000 | 3,905 |
| Average equity | $14,813,500 | 4,172 |
| Average total loans | $116,429,000 | 3,641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9945% | 1,146 |
| Cost of funding earning assets | 3.5014% | 517 |
| Net interest margin | 3.4931% | 5,321 |
| Noninterest income to average assets | 0.7321% | 2,890 |
| Noninterest expense to average assets | 2.7388% | 5,095 |
| Loan and lease loss provision to assets | 0.9021% | 1,657 |
| Net operating income to assets | 0.2333% | 5,744 |
| Return on assets (ROA) | 0.2782% | 5,433 |
| Pretax return on assets | 0.3518% | 5,388 |
| Return on Equity (ROE) | 3.0919% | 5,201 |
| Retained earnings to average equity (ytd only) | 0.4935% | 4,945 |
| Net charge-offs to loans | 1.1111% | 1,089 |
| Credit loss provision to net charge-offs | 106.1224% | 5,046 |
| Earnings coverage of net charge-offs (x) | 1.4082% | 5,419 |
| Efficiency ratio | 69.5874% | 4,429 |
| Assets per employee ($millions) | 3.7531% | 4,054 |
| Cash dividends to net income (ytd only)* | 84.0399% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 2,918 |
| Loan loss allowance to noncurrent loans | 30.7318% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 3.7802% | 1,135 |
| Noncurrent loans to loans | 4.7214% | 981 |
| Net loans and leases to total assets | 75.2559% | 2,819 |
| Net loans and leases to deposits | 93.2459% | 2,912 |
| Net loans and leases to core deposits | 125.4596% | 2,210 |
| Total domestic deposits to total assets | 80.7069% | 4,772 |
| Equity capital to assets | 8.8427% | 5,580 |
| Core capital (leverage) ratio | 8.8136% | 5,019 |
| Tier 1 risk-based capital ratio | 10.7791% | 5,931 |
| Total risk-based capital ratio | 12.0308% | 5,837 |
| Memoranda: | ||
| Average total assets | $144,115,800 | 4,005 |
| Average earning assets | $132,175,600 | 4,004 |
| Average equity | $12,969,200 | 4,587 |
| Average total loans | $110,250,800 | 3,671 |