Home > West Point Bank > Performance and Condition Ratios
West Point Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 1,539 |
| Cost of funding earning assets | 3.1914% | 115 |
| Net interest margin | 2.0793% | 4,386 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.7385% | 4,087 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.4249% | 3,814 |
| Return on assets (ROA) | 0.4590% | 3,750 |
| Pretax return on assets | 0.5641% | 3,701 |
| Return on Equity (ROE) | 7.1300% | 3,249 |
| Retained earnings to average equity (ytd only) | 4.0796% | 2,932 |
| Net charge-offs to loans | -0.0012% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.6034% | 1,494 |
| Assets per employee ($millions) | 9.6557% | 786 |
| Cash dividends to net income (ytd only)* | 42.7996% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4875% | 4,343 |
| Loan loss allowance to noncurrent loans | 1,654.2056% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,566 |
| Noncurrent loans to loans | 0.0295% | 3,528 |
| Net loans and leases to total assets | 76.3600% | 1,072 |
| Net loans and leases to deposits | 98.4905% | 617 |
| Net loans and leases to core deposits | 119.7769% | 630 |
| Total domestic deposits to total assets | 77.5300% | 3,782 |
| Equity capital to assets | 6.2844% | 4,166 |
| Core capital (leverage) ratio | 8.5645% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9248% | 2,607 |
| Memoranda: | ||
| Average total assets | $432,720,000 | 1,908 |
| Average earning assets | $407,820,400 | 1,888 |
| Average equity | $27,845,600 | 2,370 |
| Average total loans | $324,679,400 | 1,705 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 1,626 |
| Cost of funding earning assets | 3.0204% | 112 |
| Net interest margin | 2.0864% | 4,416 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.7352% | 4,073 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4733% | 3,817 |
| Return on assets (ROA) | 0.5187% | 3,710 |
| Pretax return on assets | 0.6726% | 3,601 |
| Return on Equity (ROE) | 8.0100% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.8415% | 2,987 |
| Net charge-offs to loans | -0.0013% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.8203% | 1,592 |
| Assets per employee ($millions) | 8.9958% | 934 |
| Cash dividends to net income (ytd only)* | 39.5377% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 4,382 |
| Loan loss allowance to noncurrent loans | 2,358.4615% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,696 |
| Noncurrent loans to loans | 0.0188% | 3,630 |
| Net loans and leases to total assets | 76.5100% | 1,061 |
| Net loans and leases to deposits | 99.8943% | 523 |
| Net loans and leases to core deposits | 115.7434% | 672 |
| Total domestic deposits to total assets | 76.5900% | 3,964 |
| Equity capital to assets | 5.6844% | 4,088 |
| Core capital (leverage) ratio | 9.0023% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1921% | 2,552 |
| Memoranda: | ||
| Average total assets | $422,618,250 | 1,945 |
| Average earning assets | $398,309,500 | 1,909 |
| Average equity | $27,373,750 | 2,385 |
| Average total loans | $315,086,250 | 1,742 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9465% | 1,663 |
| Cost of funding earning assets | 2.8920% | 103 |
| Net interest margin | 2.0545% | 4,478 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.7768% | 4,043 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3102% | 4,137 |
| Return on assets (ROA) | 0.3859% | 4,040 |
| Pretax return on assets | 0.4512% | 4,042 |
| Return on Equity (ROE) | 5.7000% | 3,758 |
| Retained earnings to average equity (ytd only) | 2.8453% | 3,523 |
| Net charge-offs to loans | -0.0013% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.9175% | 713 |
| Assets per employee ($millions) | 8.5413% | 1,075 |
| Cash dividends to net income (ytd only)* | 50.1253% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4385% | 4,419 |
| Loan loss allowance to noncurrent loans | 671.1538% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,293 |
| Noncurrent loans to loans | 0.0653% | 3,237 |
| Net loans and leases to total assets | 74.2200% | 1,259 |
| Net loans and leases to deposits | 92.9350% | 957 |
| Net loans and leases to core deposits | 108.3422% | 892 |
| Total domestic deposits to total assets | 79.8600% | 3,600 |
| Equity capital to assets | 6.4836% | 3,998 |
| Core capital (leverage) ratio | 9.1789% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8937% | 2,335 |
| Memoranda: | ||
| Average total assets | $413,560,333 | 1,974 |
| Average earning assets | $389,971,000 | 1,946 |
| Average equity | $27,975,667 | 2,356 |
| Average total loans | $304,892,667 | 1,757 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,677 |
| Cost of funding earning assets | 2.7152% | 67 |
| Net interest margin | 2.0594% | 4,548 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.6991% | 4,197 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.3233% | 4,217 |
| Return on assets (ROA) | 0.3668% | 4,093 |
| Pretax return on assets | 0.4700% | 4,031 |
| Return on Equity (ROE) | 5.3100% | 3,846 |
| Retained earnings to average equity (ytd only) | 2.4610% | 3,613 |
| Net charge-offs to loans | -0.0013% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.1900% | 985 |
| Assets per employee ($millions) | 8.3326% | 1,190 |
| Cash dividends to net income (ytd only)* | 53.6193% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4575% | 4,467 |
| Loan loss allowance to noncurrent loans | 418.1548% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 2,994 |
| Noncurrent loans to loans | 0.1094% | 2,979 |
| Net loans and leases to total assets | 73.3800% | 1,279 |
| Net loans and leases to deposits | 90.4349% | 1,015 |
| Net loans and leases to core deposits | 103.9841% | 923 |
| Total domestic deposits to total assets | 81.1400% | 3,617 |
| Equity capital to assets | 6.9150% | 3,870 |
| Core capital (leverage) ratio | 9.4342% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1952% | 2,307 |
| Memoranda: | ||
| Average total assets | $406,808,500 | 2,020 |
| Average earning assets | $383,611,500 | 1,989 |
| Average equity | $28,119,000 | 2,380 |
| Average total loans | $298,158,000 | 1,798 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 1,718 |
| Cost of funding earning assets | 1.0166% | 147 |
| Net interest margin | 2.9837% | 3,491 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.8761% | 3,880 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8966% | 2,973 |
| Return on assets (ROA) | 0.9106% | 2,857 |
| Pretax return on assets | 1.1535% | 2,592 |
| Return on Equity (ROE) | 11.2700% | 2,389 |
| Retained earnings to average equity (ytd only) | 8.5822% | 1,613 |
| Net charge-offs to loans | -0.0167% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.8638% | 2,932 |
| Assets per employee ($millions) | 7.7841% | 1,443 |
| Cash dividends to net income (ytd only)* | 23.8237% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4872% | 4,447 |
| Loan loss allowance to noncurrent loans | 499.6454% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,080 |
| Noncurrent loans to loans | 0.0975% | 3,063 |
| Net loans and leases to total assets | 72.4900% | 1,362 |
| Net loans and leases to deposits | 86.5279% | 1,275 |
| Net loans and leases to core deposits | 98.4362% | 1,084 |
| Total domestic deposits to total assets | 83.7800% | 3,257 |
| Equity capital to assets | 6.9090% | 3,710 |
| Core capital (leverage) ratio | 10.0689% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8009% | 2,051 |
| Memoranda: | ||
| Average total assets | $368,787,200 | 2,147 |
| Average earning assets | $348,222,200 | 2,116 |
| Average equity | $29,805,800 | 2,345 |
| Average total loans | $246,243,400 | 1,963 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 1,478 |
| Cost of funding earning assets | 0.6565% | 322 |
| Net interest margin | 3.2462% | 2,471 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.8838% | 3,785 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0448% | 2,301 |
| Return on assets (ROA) | 1.0637% | 2,198 |
| Pretax return on assets | 1.3844% | 1,763 |
| Return on Equity (ROE) | 12.6600% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.0260% | 1,333 |
| Net charge-offs to loans | -0.0226% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4004% | 3,586 |
| Assets per employee ($millions) | 6.9543% | 1,982 |
| Cash dividends to net income (ytd only)* | 20.7900% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5406% | 4,442 |
| Loan loss allowance to noncurrent loans | 474.0741% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,102 |
| Noncurrent loans to loans | 0.1140% | 3,077 |
| Net loans and leases to total assets | 70.2900% | 1,455 |
| Net loans and leases to deposits | 77.6759% | 1,744 |
| Net loans and leases to core deposits | 85.4662% | 1,558 |
| Total domestic deposits to total assets | 90.4900% | 1,439 |
| Equity capital to assets | 7.3570% | 3,296 |
| Core capital (leverage) ratio | 10.1589% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0241% | 1,708 |
| Memoranda: | ||
| Average total assets | $361,737,000 | 2,185 |
| Average earning assets | $341,805,000 | 2,161 |
| Average equity | $30,400,250 | 2,348 |
| Average total loans | $235,503,000 | 2,027 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 1,367 |
| Cost of funding earning assets | 0.4652% | 640 |
| Net interest margin | 3.3067% | 1,888 |
| Noninterest income to average assets | 0.2882% | 3,449 |
| Noninterest expense to average assets | 1.9006% | 3,699 |
| Loan and lease loss provision to assets | 0.1057% | 943 |
| Net operating income to assets | 1.0883% | 1,819 |
| Return on assets (ROA) | 1.0883% | 1,801 |
| Pretax return on assets | 1.4099% | 1,412 |
| Return on Equity (ROE) | 12.4210% | 1,542 |
| Retained earnings to average equity (ytd only) | 9.8809% | 1,054 |
| Net charge-offs to loans | -0.0317% | 4,056 |
| Credit loss provision to net charge-offs | -527.7778% | 3,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6352% | 3,810 |
| Assets per employee ($millions) | 7.0213% | 1,925 |
| Cash dividends to net income (ytd only)* | 20.4499% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5407% | 4,512 |
| Loan loss allowance to noncurrent loans | 285.0427% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 2,843 |
| Noncurrent loans to loans | 0.1897% | 2,757 |
| Net loans and leases to total assets | 64.7202% | 1,832 |
| Net loans and leases to deposits | 70.3434% | 2,168 |
| Net loans and leases to core deposits | 75.3721% | 2,063 |
| Total domestic deposits to total assets | 92.0060% | 828 |
| Equity capital to assets | 7.2407% | 3,638 |
| Core capital (leverage) ratio | 10.1356% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7553% | 1,493 |
| Memoranda: | ||
| Average total assets | $359,457,333 | 2,205 |
| Average earning assets | $340,038,667 | 2,186 |
| Average equity | $31,495,000 | 2,346 |
| Average total loans | $227,179,000 | 2,070 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 1,195 |
| Cost of funding earning assets | 0.3638% | 1,103 |
| Net interest margin | 3.3758% | 1,363 |
| Noninterest income to average assets | 0.2792% | 3,468 |
| Noninterest expense to average assets | 1.8581% | 3,789 |
| Loan and lease loss provision to assets | 0.0572% | 1,367 |
| Net operating income to assets | 1.2048% | 1,236 |
| Return on assets (ROA) | 1.2048% | 1,225 |
| Pretax return on assets | 1.5594% | 903 |
| Return on Equity (ROE) | 12.5671% | 1,135 |
| Retained earnings to average equity (ytd only) | 10.1802% | 978 |
| Net charge-offs to loans | -0.0718% | 4,378 |
| Credit loss provision to net charge-offs | -128.2051% | 2,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4738% | 4,091 |
| Assets per employee ($millions) | 6.6238% | 2,273 |
| Cash dividends to net income (ytd only)* | 18.9934% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5400% | 4,549 |
| Loan loss allowance to noncurrent loans | 87.3723% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 1,583 |
| Noncurrent loans to loans | 0.6181% | 1,516 |
| Net loans and leases to total assets | 61.6374% | 1,903 |
| Net loans and leases to deposits | 68.2527% | 2,126 |
| Net loans and leases to core deposits | 76.3274% | 1,761 |
| Total domestic deposits to total assets | 90.3076% | 1,383 |
| Equity capital to assets | 8.8911% | 2,807 |
| Core capital (leverage) ratio | 10.4043% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6710% | 1,350 |
| Memoranda: | ||
| Average total assets | $349,611,500 | 2,259 |
| Average earning assets | $330,947,000 | 2,232 |
| Average equity | $33,516,000 | 2,306 |
| Average total loans | $217,408,500 | 2,117 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4541% | 2,789 |
| Cost of funding earning assets | 0.3450% | 1,985 |
| Net interest margin | 3.1091% | 2,875 |
| Noninterest income to average assets | 0.2124% | 4,100 |
| Noninterest expense to average assets | 1.7425% | 4,237 |
| Loan and lease loss provision to assets | 0.0649% | 1,764 |
| Net operating income to assets | 1.0553% | 2,463 |
| Return on assets (ROA) | 1.0553% | 2,537 |
| Pretax return on assets | 1.3711% | 2,135 |
| Return on Equity (ROE) | 11.6180% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.8231% | 962 |
| Net charge-offs to loans | 0.0015% | 2,606 |
| Credit loss provision to net charge-offs | 7,633.3333% | 94 |
| Earnings coverage of net charge-offs (x) | 1,688.3333% | 88 |
| Efficiency ratio | 54.8212% | 3,841 |
| Assets per employee ($millions) | 6.8308% | 2,048 |
| Cash dividends to net income (ytd only)* | 15.4487% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5198% | 4,608 |
| Loan loss allowance to noncurrent loans | 41.2663% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 766 |
| Noncurrent loans to loans | 1.2597% | 763 |
| Net loans and leases to total assets | 62.0851% | 1,931 |
| Net loans and leases to deposits | 69.7512% | 2,156 |
| Net loans and leases to core deposits | 78.4736% | 1,722 |
| Total domestic deposits to total assets | 89.0095% | 1,513 |
| Equity capital to assets | 10.3151% | 2,350 |
| Core capital (leverage) ratio | 10.2365% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9260% | 1,282 |
| Memoranda: | ||
| Average total assets | $352,705,600 | 2,185 |
| Average earning assets | $336,496,800 | 2,152 |
| Average equity | $32,036,600 | 2,420 |
| Average total loans | $197,679,400 | 2,244 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 3,194 |
| Cost of funding earning assets | 0.3418% | 2,193 |
| Net interest margin | 3.0272% | 3,241 |
| Noninterest income to average assets | 0.2014% | 4,194 |
| Noninterest expense to average assets | 1.6521% | 4,400 |
| Loan and lease loss provision to assets | 0.0540% | 1,904 |
| Net operating income to assets | 1.0625% | 2,678 |
| Return on assets (ROA) | 1.0625% | 2,747 |
| Pretax return on assets | 1.3881% | 2,386 |
| Return on Equity (ROE) | 12.0917% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.4911% | 1,177 |
| Net charge-offs to loans | 0.0055% | 2,127 |
| Credit loss provision to net charge-offs | 1,800.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 480.6250% | 309 |
| Efficiency ratio | 53.3939% | 3,885 |
| Assets per employee ($millions) | 6.8642% | 1,962 |
| Cash dividends to net income (ytd only)* | 13.2369% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4915% | 4,712 |
| Loan loss allowance to noncurrent loans | 39.6263% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 972 |
| Noncurrent loans to loans | 1.2404% | 892 |
| Net loans and leases to total assets | 60.0473% | 2,254 |
| Net loans and leases to deposits | 67.7521% | 2,458 |
| Net loans and leases to core deposits | 75.9132% | 2,058 |
| Total domestic deposits to total assets | 88.6279% | 1,498 |
| Equity capital to assets | 10.3660% | 2,560 |
| Core capital (leverage) ratio | 9.7123% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1096% | 1,327 |
| Memoranda: | ||
| Average total assets | $355,497,250 | 2,188 |
| Average earning assets | $339,713,500 | 2,152 |
| Average equity | $31,238,250 | 2,485 |
| Average total loans | $193,811,000 | 2,313 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2823% | 3,476 |
| Cost of funding earning assets | 0.3267% | 2,531 |
| Net interest margin | 2.9556% | 3,432 |
| Noninterest income to average assets | 0.1897% | 4,255 |
| Noninterest expense to average assets | 1.5734% | 4,545 |
| Loan and lease loss provision to assets | 0.0662% | 1,719 |
| Net operating income to assets | 1.0506% | 2,717 |
| Return on assets (ROA) | 1.0506% | 2,794 |
| Pretax return on assets | 1.3777% | 2,399 |
| Return on Equity (ROE) | 12.6813% | 1,830 |
| Retained earnings to average equity (ytd only) | 11.0030% | 1,124 |
| Net charge-offs to loans | 0.0106% | 1,759 |
| Credit loss provision to net charge-offs | 1,190.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 259.6000% | 424 |
| Efficiency ratio | 52.1475% | 4,030 |
| Assets per employee ($millions) | 8.3456% | 1,063 |
| Cash dividends to net income (ytd only)* | 13.2345% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5071% | 4,732 |
| Loan loss allowance to noncurrent loans | 688.1944% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,000 |
| Noncurrent loans to loans | 0.0737% | 3,817 |
| Net loans and leases to total assets | 51.7738% | 3,367 |
| Net loans and leases to deposits | 57.3232% | 3,612 |
| Net loans and leases to core deposits | 68.4845% | 2,919 |
| Total domestic deposits to total assets | 90.3190% | 639 |
| Equity capital to assets | 8.1462% | 4,458 |
| Core capital (leverage) ratio | 7.9454% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9236% | 1,659 |
| Memoranda: | ||
| Average total assets | $359,593,667 | 2,160 |
| Average earning assets | $344,024,000 | 2,119 |
| Average equity | $29,792,000 | 2,567 |
| Average total loans | $189,379,667 | 2,352 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 3,541 |
| Cost of funding earning assets | 0.3126% | 2,868 |
| Net interest margin | 2.9502% | 3,382 |
| Noninterest income to average assets | 0.1797% | 4,295 |
| Noninterest expense to average assets | 1.4596% | 4,690 |
| Loan and lease loss provision to assets | 0.0102% | 2,640 |
| Net operating income to assets | 1.1649% | 2,281 |
| Return on assets (ROA) | 1.1649% | 2,352 |
| Pretax return on assets | 1.5335% | 1,903 |
| Return on Equity (ROE) | 13.9360% | 1,442 |
| Retained earnings to average equity (ytd only) | 12.2348% | 1,088 |
| Net charge-offs to loans | 0.0301% | 1,186 |
| Credit loss provision to net charge-offs | 64.2857% | 1,265 |
| Earnings coverage of net charge-offs (x) | 96.9286% | 628 |
| Efficiency ratio | 48.5985% | 4,296 |
| Assets per employee ($millions) | 8.2857% | 1,069 |
| Cash dividends to net income (ytd only)* | 12.2070% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4684% | 4,793 |
| Loan loss allowance to noncurrent loans | 299.3174% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 3,821 |
| Noncurrent loans to loans | 0.1565% | 3,548 |
| Net loans and leases to total assets | 49.9776% | 3,625 |
| Net loans and leases to deposits | 54.7759% | 3,888 |
| Net loans and leases to core deposits | 64.8035% | 3,336 |
| Total domestic deposits to total assets | 91.2401% | 315 |
| Equity capital to assets | 7.9293% | 4,529 |
| Core capital (leverage) ratio | 8.0429% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3655% | 1,455 |
| Memoranda: | ||
| Average total assets | $351,615,000 | 2,181 |
| Average earning assets | $336,523,000 | 2,145 |
| Average equity | $29,391,500 | 2,595 |
| Average total loans | $186,355,500 | 2,385 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,438 |
| Cost of funding earning assets | 0.6322% | 2,105 |
| Net interest margin | 3.4616% | 2,589 |
| Noninterest income to average assets | 0.2291% | 4,129 |
| Noninterest expense to average assets | 1.9071% | 4,313 |
| Loan and lease loss provision to assets | 0.0967% | 3,139 |
| Net operating income to assets | 1.2654% | 1,345 |
| Return on assets (ROA) | 1.3020% | 1,343 |
| Pretax return on assets | 1.5643% | 1,150 |
| Return on Equity (ROE) | 14.0282% | 805 |
| Retained earnings to average equity (ytd only) | 12.1997% | 299 |
| Net charge-offs to loans | -0.0027% | 4,024 |
| Credit loss provision to net charge-offs | -5,700.0000% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1173% | 4,201 |
| Assets per employee ($millions) | 7.5085% | 1,278 |
| Cash dividends to net income (ytd only)* | 13.0344% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4755% | 4,808 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 4,025 |
| Noncurrent loans to loans | 0.1132% | 3,835 |
| Net loans and leases to total assets | 55.8784% | 3,314 |
| Net loans and leases to deposits | 61.8976% | 3,610 |
| Net loans and leases to core deposits | 78.4593% | 2,518 |
| Total domestic deposits to total assets | 90.2755% | 458 |
| Equity capital to assets | 8.8439% | 4,184 |
| Core capital (leverage) ratio | 9.0883% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2894% | 1,450 |
| Memoranda: | ||
| Average total assets | $294,628,200 | 2,319 |
| Average earning assets | $280,444,400 | 2,287 |
| Average equity | $27,345,000 | 2,654 |
| Average total loans | $187,044,600 | 2,353 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 2,028 |
| Cost of funding earning assets | 0.7320% | 1,845 |
| Net interest margin | 3.5927% | 2,297 |
| Noninterest income to average assets | 0.2389% | 4,057 |
| Noninterest expense to average assets | 1.8654% | 4,389 |
| Loan and lease loss provision to assets | 0.1330% | 2,690 |
| Net operating income to assets | 1.3138% | 1,324 |
| Return on assets (ROA) | 1.3263% | 1,380 |
| Pretax return on assets | 1.6694% | 1,031 |
| Return on Equity (ROE) | 14.0986% | 866 |
| Retained earnings to average equity (ytd only) | 12.2383% | 396 |
| Net charge-offs to loans | -0.0114% | 4,255 |
| Credit loss provision to net charge-offs | -1,781.2500% | 4,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0799% | 4,415 |
| Assets per employee ($millions) | 6.9804% | 1,518 |
| Cash dividends to net income (ytd only)* | 13.1949% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 4,831 |
| Loan loss allowance to noncurrent loans | 190.4051% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,631 |
| Noncurrent loans to loans | 0.2509% | 3,403 |
| Net loans and leases to total assets | 61.9760% | 3,015 |
| Net loans and leases to deposits | 69.2718% | 3,371 |
| Net loans and leases to core deposits | 70.8093% | 3,571 |
| Total domestic deposits to total assets | 89.4679% | 590 |
| Equity capital to assets | 9.4783% | 3,700 |
| Core capital (leverage) ratio | 9.4749% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8042% | 1,558 |
| Memoranda: | ||
| Average total assets | $285,692,000 | 2,347 |
| Average earning assets | $271,398,750 | 2,318 |
| Average equity | $26,876,750 | 2,677 |
| Average total loans | $187,433,500 | 2,353 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 1,893 |
| Cost of funding earning assets | 0.8891% | 1,426 |
| Net interest margin | 3.6179% | 2,425 |
| Noninterest income to average assets | 0.2207% | 4,168 |
| Noninterest expense to average assets | 1.8421% | 4,496 |
| Loan and lease loss provision to assets | 0.1887% | 2,138 |
| Net operating income to assets | 1.2731% | 1,429 |
| Return on assets (ROA) | 1.2889% | 1,500 |
| Pretax return on assets | 1.6406% | 1,127 |
| Return on Equity (ROE) | 13.7369% | 932 |
| Retained earnings to average equity (ytd only) | 11.8396% | 477 |
| Net charge-offs to loans | -0.0203% | 4,407 |
| Credit loss provision to net charge-offs | -1,394.7368% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4485% | 4,475 |
| Assets per employee ($millions) | 7.1009% | 1,389 |
| Cash dividends to net income (ytd only)* | 13.8122% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4670% | 4,862 |
| Loan loss allowance to noncurrent loans | 173.8095% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 3,645 |
| Noncurrent loans to loans | 0.2687% | 3,417 |
| Net loans and leases to total assets | 65.7329% | 2,663 |
| Net loans and leases to deposits | 74.4171% | 3,034 |
| Net loans and leases to core deposits | 76.9134% | 3,203 |
| Total domestic deposits to total assets | 88.3304% | 1,029 |
| Equity capital to assets | 9.7121% | 3,462 |
| Core capital (leverage) ratio | 9.4460% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5431% | 1,982 |
| Memoranda: | ||
| Average total assets | $280,870,000 | 2,356 |
| Average earning assets | $266,339,667 | 2,328 |
| Average equity | $26,352,333 | 2,693 |
| Average total loans | $187,605,000 | 2,327 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 2,080 |
| Cost of funding earning assets | 1.2446% | 665 |
| Net interest margin | 3.3311% | 3,512 |
| Noninterest income to average assets | 0.2392% | 4,123 |
| Noninterest expense to average assets | 1.7731% | 4,697 |
| Loan and lease loss provision to assets | 0.0573% | 3,046 |
| Net operating income to assets | 1.2401% | 1,404 |
| Return on assets (ROA) | 1.2718% | 1,420 |
| Pretax return on assets | 1.5998% | 1,055 |
| Return on Equity (ROE) | 13.8019% | 738 |
| Retained earnings to average equity (ytd only) | 11.8591% | 437 |
| Net charge-offs to loans | -0.0704% | 4,731 |
| Credit loss provision to net charge-offs | -121.2121% | 3,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3025% | 4,531 |
| Assets per employee ($millions) | 6.0816% | 1,612 |
| Cash dividends to net income (ytd only)* | 14.0766% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3506% | 4,972 |
| Loan loss allowance to noncurrent loans | 111.2040% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 3,539 |
| Noncurrent loans to loans | 0.3153% | 3,366 |
| Net loans and leases to total assets | 69.0667% | 2,388 |
| Net loans and leases to deposits | 77.4800% | 2,935 |
| Net loans and leases to core deposits | 103.8367% | 1,198 |
| Total domestic deposits to total assets | 89.1414% | 607 |
| Equity capital to assets | 9.5943% | 4,136 |
| Core capital (leverage) ratio | 9.2525% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7455% | 2,375 |
| Memoranda: | ||
| Average total assets | $279,287,000 | 2,328 |
| Average earning assets | $264,177,000 | 2,296 |
| Average equity | $25,735,500 | 2,727 |
| Average total loans | $187,617,000 | 2,280 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 3,395 |
| Cost of funding earning assets | 1.5310% | 362 |
| Net interest margin | 2.8182% | 4,745 |
| Noninterest income to average assets | 0.2232% | 4,329 |
| Noninterest expense to average assets | 1.8640% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8929% | 3,229 |
| Return on assets (ROA) | 0.8904% | 3,334 |
| Pretax return on assets | 1.0447% | 3,346 |
| Return on Equity (ROE) | 10.5116% | 2,080 |
| Retained earnings to average equity (ytd only) | 8.3699% | 868 |
| Net charge-offs to loans | -0.0052% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0204% | 3,070 |
| Assets per employee ($millions) | 6.1935% | 1,491 |
| Cash dividends to net income (ytd only)* | 20.3749% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3190% | 5,034 |
| Loan loss allowance to noncurrent loans | 76.6839% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 3,345 |
| Noncurrent loans to loans | 0.4161% | 2,955 |
| Net loans and leases to total assets | 64.9208% | 3,083 |
| Net loans and leases to deposits | 108.1587% | 223 |
| Net loans and leases to core deposits | 127.5630% | 316 |
| Total domestic deposits to total assets | 60.0237% | 5,087 |
| Equity capital to assets | 8.8501% | 4,766 |
| Core capital (leverage) ratio | 8.6685% | 4,744 |
| Tier 1 risk-based capital ratio | 12.1947% | 4,247 |
| Total risk-based capital ratio | 12.4814% | 4,658 |
| Memoranda: | ||
| Average total assets | $275,594,400 | 2,301 |
| Average earning assets | $262,894,000 | 2,257 |
| Average equity | $23,345,600 | 2,843 |
| Average total loans | $171,564,200 | 2,403 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 3,739 |
| Cost of funding earning assets | 1.5458% | 352 |
| Net interest margin | 2.7279% | 4,918 |
| Noninterest income to average assets | 0.2191% | 4,419 |
| Noninterest expense to average assets | 1.8667% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7701% | 3,772 |
| Return on assets (ROA) | 0.7670% | 3,851 |
| Pretax return on assets | 0.9539% | 3,725 |
| Return on Equity (ROE) | 9.1612% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.9758% | 1,871 |
| Net charge-offs to loans | -0.0309% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0909% | 2,716 |
| Assets per employee ($millions) | 6.4189% | 1,318 |
| Cash dividends to net income (ytd only)* | 23.8551% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3439% | 5,096 |
| Loan loss allowance to noncurrent loans | 100.3226% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 3,730 |
| Noncurrent loans to loans | 0.3428% | 3,307 |
| Net loans and leases to total assets | 61.0445% | 3,586 |
| Net loans and leases to deposits | 99.2779% | 700 |
| Net loans and leases to core deposits | 129.9550% | 292 |
| Total domestic deposits to total assets | 61.4885% | 5,151 |
| Equity capital to assets | 8.2020% | 5,091 |
| Core capital (leverage) ratio | 8.4066% | 4,982 |
| Tier 1 risk-based capital ratio | 12.1026% | 4,365 |
| Total risk-based capital ratio | 12.4108% | 4,726 |
| Memoranda: | ||
| Average total assets | $273,267,750 | 2,327 |
| Average earning assets | $261,004,000 | 2,282 |
| Average equity | $22,878,500 | 2,899 |
| Average total loans | $168,067,250 | 2,454 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 3,675 |
| Cost of funding earning assets | 1.5229% | 352 |
| Net interest margin | 2.7620% | 4,956 |
| Noninterest income to average assets | 0.2211% | 4,419 |
| Noninterest expense to average assets | 1.8516% | 4,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8105% | 3,615 |
| Return on assets (ROA) | 0.8062% | 3,687 |
| Pretax return on assets | 0.9995% | 3,551 |
| Return on Equity (ROE) | 9.5578% | 2,607 |
| Retained earnings to average equity (ytd only) | 7.3288% | 1,679 |
| Net charge-offs to loans | -0.0598% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8236% | 3,001 |
| Assets per employee ($millions) | 6.2741% | 1,357 |
| Cash dividends to net income (ytd only)* | 23.3209% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3642% | 5,138 |
| Loan loss allowance to noncurrent loans | 113.2616% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 3,768 |
| Noncurrent loans to loans | 0.3215% | 3,379 |
| Net loans and leases to total assets | 62.6367% | 3,481 |
| Net loans and leases to deposits | 100.8751% | 614 |
| Net loans and leases to core deposits | 131.5733% | 296 |
| Total domestic deposits to total assets | 62.0934% | 5,191 |
| Equity capital to assets | 8.5916% | 5,008 |
| Core capital (leverage) ratio | 8.8825% | 4,728 |
| Tier 1 risk-based capital ratio | 12.2203% | 4,288 |
| Total risk-based capital ratio | 12.5414% | 4,685 |
| Memoranda: | ||
| Average total assets | $265,934,330 | 2,377 |
| Average earning assets | $253,730,330 | 2,335 |
| Average equity | $22,432,000 | 2,932 |
| Average total loans | $163,800,670 | 2,496 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 3,659 |
| Cost of funding earning assets | 1.4387% | 399 |
| Net interest margin | 2.8276% | 4,959 |
| Noninterest income to average assets | 0.1917% | 4,606 |
| Noninterest expense to average assets | 1.9412% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7483% | 3,775 |
| Return on assets (ROA) | 0.7483% | 3,822 |
| Pretax return on assets | 0.9476% | 3,620 |
| Return on Equity (ROE) | 8.9586% | 2,830 |
| Retained earnings to average equity (ytd only) | 6.6639% | 2,173 |
| Net charge-offs to loans | -0.1258% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1975% | 2,761 |
| Assets per employee ($millions) | 5.9700% | 1,570 |
| Cash dividends to net income (ytd only)* | 25.6148% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3926% | 5,181 |
| Loan loss allowance to noncurrent loans | 111.0526% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 3,756 |
| Noncurrent loans to loans | 0.3535% | 3,312 |
| Net loans and leases to total assets | 61.1429% | 3,585 |
| Net loans and leases to deposits | 95.1244% | 1,051 |
| Net loans and leases to core deposits | 126.7382% | 363 |
| Total domestic deposits to total assets | 64.2768% | 5,236 |
| Equity capital to assets | 8.5078% | 4,983 |
| Core capital (leverage) ratio | 9.0484% | 4,622 |
| Tier 1 risk-based capital ratio | 12.5116% | 4,161 |
| Total risk-based capital ratio | 12.8473% | 4,573 |
| Memoranda: | ||
| Average total assets | $260,871,500 | 2,438 |
| Average earning assets | $248,837,000 | 2,390 |
| Average equity | $21,789,000 | 2,993 |
| Average total loans | $158,927,500 | 2,569 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 4,200 |
| Cost of funding earning assets | 1.0508% | 609 |
| Net interest margin | 2.8853% | 4,938 |
| Noninterest income to average assets | 0.2805% | 4,225 |
| Noninterest expense to average assets | 1.9922% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8655% | 3,554 |
| Return on assets (ROA) | 0.8642% | 3,560 |
| Pretax return on assets | 1.0375% | 3,482 |
| Return on Equity (ROE) | 10.4544% | 2,318 |
| Retained earnings to average equity (ytd only) | 7.9992% | 1,236 |
| Net charge-offs to loans | 0.0990% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 19.2481% | 2,078 |
| Efficiency ratio | 65.7204% | 2,909 |
| Assets per employee ($millions) | 6.0248% | 1,500 |
| Cash dividends to net income (ytd only)* | 23.4852% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3723% | 5,238 |
| Loan loss allowance to noncurrent loans | 122.9958% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,894 |
| Noncurrent loans to loans | 0.3027% | 3,467 |
| Net loans and leases to total assets | 60.2281% | 3,750 |
| Net loans and leases to deposits | 96.1830% | 1,056 |
| Net loans and leases to core deposits | 134.4507% | 254 |
| Total domestic deposits to total assets | 62.6183% | 5,297 |
| Equity capital to assets | 8.1949% | 5,085 |
| Core capital (leverage) ratio | 9.1268% | 4,536 |
| Tier 1 risk-based capital ratio | 13.0614% | 3,814 |
| Total risk-based capital ratio | 13.3892% | 4,222 |
| Memoranda: | ||
| Average total assets | $246,359,400 | 2,497 |
| Average earning assets | $234,877,200 | 2,451 |
| Average equity | $20,364,600 | 3,059 |
| Average total loans | $134,391,800 | 2,828 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,276 |
| Cost of funding earning assets | 0.9671% | 693 |
| Net interest margin | 2.9048% | 4,966 |
| Noninterest income to average assets | 0.2983% | 4,154 |
| Noninterest expense to average assets | 2.0056% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8593% | 3,700 |
| Return on assets (ROA) | 0.8575% | 3,711 |
| Pretax return on assets | 1.0604% | 3,534 |
| Return on Equity (ROE) | 10.3497% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.8681% | 1,718 |
| Net charge-offs to loans | 0.1190% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.8521% | 2,137 |
| Efficiency ratio | 65.3681% | 2,975 |
| Assets per employee ($millions) | 5.7200% | 1,717 |
| Cash dividends to net income (ytd only)* | 23.9771% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4095% | 5,276 |
| Loan loss allowance to noncurrent loans | 137.5286% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 4,010 |
| Noncurrent loans to loans | 0.2977% | 3,609 |
| Net loans and leases to total assets | 58.0761% | 4,032 |
| Net loans and leases to deposits | 92.6380% | 1,544 |
| Net loans and leases to core deposits | 130.6743% | 318 |
| Total domestic deposits to total assets | 62.6914% | 5,366 |
| Equity capital to assets | 8.0765% | 5,153 |
| Core capital (leverage) ratio | 9.1668% | 4,548 |
| Tier 1 risk-based capital ratio | 12.9333% | 3,947 |
| Total risk-based capital ratio | 13.2744% | 4,373 |
| Memoranda: | ||
| Average total assets | $243,183,000 | 2,527 |
| Average earning assets | $231,887,500 | 2,487 |
| Average equity | $20,148,250 | 3,103 |
| Average total loans | $128,836,500 | 2,912 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 4,328 |
| Cost of funding earning assets | 0.9197% | 678 |
| Net interest margin | 2.8883% | 5,026 |
| Noninterest income to average assets | 0.3403% | 3,905 |
| Noninterest expense to average assets | 1.9954% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8901% | 3,496 |
| Return on assets (ROA) | 0.8887% | 3,509 |
| Pretax return on assets | 1.0976% | 3,324 |
| Return on Equity (ROE) | 10.6329% | 2,265 |
| Retained earnings to average equity (ytd only) | 8.1439% | 1,562 |
| Net charge-offs to loans | 0.0684% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 31.4524% | 1,456 |
| Efficiency ratio | 64.4797% | 3,250 |
| Assets per employee ($millions) | 5.5329% | 1,854 |
| Cash dividends to net income (ytd only)* | 23.4082% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5078% | 5,250 |
| Loan loss allowance to noncurrent loans | 74.8058% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 3,257 |
| Noncurrent loans to loans | 0.6789% | 2,410 |
| Net loans and leases to total assets | 54.2406% | 4,318 |
| Net loans and leases to deposits | 100.0030% | 805 |
| Net loans and leases to core deposits | 127.1284% | 388 |
| Total domestic deposits to total assets | 54.2389% | 5,483 |
| Equity capital to assets | 8.2170% | 5,121 |
| Core capital (leverage) ratio | 9.2157% | 4,448 |
| Tier 1 risk-based capital ratio | 13.6862% | 3,514 |
| Total risk-based capital ratio | 14.0977% | 3,897 |
| Memoranda: | ||
| Average total assets | $240,350,000 | 2,559 |
| Average earning assets | $229,196,670 | 2,515 |
| Average equity | $20,088,670 | 3,120 |
| Average total loans | $122,859,330 | 3,002 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 4,447 |
| Cost of funding earning assets | 0.8254% | 847 |
| Net interest margin | 2.8854% | 5,057 |
| Noninterest income to average assets | 0.4238% | 3,284 |
| Noninterest expense to average assets | 2.2094% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7681% | 3,839 |
| Return on assets (ROA) | 0.7655% | 3,850 |
| Pretax return on assets | 0.9631% | 3,655 |
| Return on Equity (ROE) | 9.0805% | 2,874 |
| Retained earnings to average equity (ytd only) | 6.5968% | 2,455 |
| Net charge-offs to loans | 0.1153% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.9706% | 1,599 |
| Efficiency ratio | 69.5675% | 2,560 |
| Assets per employee ($millions) | 6.0284% | 1,496 |
| Cash dividends to net income (ytd only)* | 27.3523% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5608% | 5,249 |
| Loan loss allowance to noncurrent loans | 59.4077% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 2,947 |
| Noncurrent loans to loans | 0.9439% | 1,935 |
| Net loans and leases to total assets | 50.1545% | 4,547 |
| Net loans and leases to deposits | 109.1201% | 280 |
| Net loans and leases to core deposits | 115.6645% | 739 |
| Total domestic deposits to total assets | 45.9626% | 5,560 |
| Equity capital to assets | 8.1900% | 5,182 |
| Core capital (leverage) ratio | 9.1286% | 4,533 |
| Tier 1 risk-based capital ratio | 14.3119% | 3,222 |
| Total risk-based capital ratio | 14.7570% | 3,558 |
| Memoranda: | ||
| Average total assets | $238,801,500 | 2,596 |
| Average earning assets | $227,765,000 | 2,553 |
| Average equity | $20,131,000 | 3,145 |
| Average total loans | $117,928,500 | 3,091 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 4,658 |
| Cost of funding earning assets | 0.3050% | 4,086 |
| Net interest margin | 3.2576% | 4,290 |
| Noninterest income to average assets | 0.2542% | 4,612 |
| Noninterest expense to average assets | 1.9083% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9693% | 2,367 |
| Return on assets (ROA) | 0.9684% | 2,410 |
| Pretax return on assets | 1.4475% | 1,825 |
| Return on Equity (ROE) | 11.0342% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.5412% | 605 |
| Net charge-offs to loans | 0.0413% | 2,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 80.7561% | 770 |
| Efficiency ratio | 56.8431% | 4,679 |
| Assets per employee ($millions) | 6.3910% | 1,271 |
| Cash dividends to net income (ytd only)* | 22.5938% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6268% | 5,198 |
| Loan loss allowance to noncurrent loans | 94.3347% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,589 |
| Noncurrent loans to loans | 0.6644% | 2,553 |
| Net loans and leases to total assets | 48.0061% | 4,767 |
| Net loans and leases to deposits | 106.5776% | 377 |
| Net loans and leases to core deposits | 107.8658% | 1,141 |
| Total domestic deposits to total assets | 45.0433% | 5,624 |
| Equity capital to assets | 8.6747% | 4,972 |
| Core capital (leverage) ratio | 9.0285% | 4,615 |
| Tier 1 risk-based capital ratio | 14.7518% | 2,960 |
| Total risk-based capital ratio | 15.2408% | 3,271 |
| Memoranda: | ||
| Average total assets | $228,525,000 | 2,648 |
| Average earning assets | $217,678,000 | 2,602 |
| Average equity | $20,055,800 | 3,139 |
| Average total loans | $99,385,200 | 3,361 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5503% | 4,690 |
| Cost of funding earning assets | 0.2540% | 4,529 |
| Net interest margin | 3.2963% | 4,183 |
| Noninterest income to average assets | 0.2737% | 4,546 |
| Noninterest expense to average assets | 1.8227% | 5,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0741% | 2,208 |
| Return on assets (ROA) | 1.0729% | 2,262 |
| Pretax return on assets | 1.5879% | 1,465 |
| Return on Equity (ROE) | 12.1887% | 1,277 |
| Retained earnings to average equity (ytd only) | 9.6814% | 656 |
| Net charge-offs to loans | 0.0237% | 2,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 158.8549% | 517 |
| Efficiency ratio | 53.4150% | 4,977 |
| Assets per employee ($millions) | 6.3828% | 1,261 |
| Cash dividends to net income (ytd only)* | 20.5706% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 5,138 |
| Loan loss allowance to noncurrent loans | 153.2091% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 4,249 |
| Noncurrent loans to loans | 0.4569% | 3,337 |
| Net loans and leases to total assets | 44.4500% | 5,004 |
| Net loans and leases to deposits | 98.5616% | 861 |
| Net loans and leases to core deposits | 99.4223% | 1,757 |
| Total domestic deposits to total assets | 45.0987% | 5,694 |
| Equity capital to assets | 8.9391% | 4,966 |
| Core capital (leverage) ratio | 9.0331% | 4,702 |
| Tier 1 risk-based capital ratio | 15.0045% | 2,913 |
| Total risk-based capital ratio | 15.5249% | 3,213 |
| Memoranda: | ||
| Average total assets | $226,539,250 | 2,689 |
| Average earning assets | $215,713,000 | 2,635 |
| Average equity | $19,941,500 | 3,171 |
| Average total loans | $95,672,750 | 3,446 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 4,827 |
| Cost of funding earning assets | 0.2128% | 4,861 |
| Net interest margin | 3.2605% | 4,238 |
| Noninterest income to average assets | 0.2758% | 4,579 |
| Noninterest expense to average assets | 1.7526% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0914% | 2,017 |
| Return on assets (ROA) | 1.0908% | 2,077 |
| Pretax return on assets | 1.6236% | 1,266 |
| Return on Equity (ROE) | 12.4593% | 1,173 |
| Retained earnings to average equity (ytd only) | 9.9020% | 606 |
| Net charge-offs to loans | 0.0390% | 2,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 100.7778% | 651 |
| Efficiency ratio | 51.8960% | 5,185 |
| Assets per employee ($millions) | 6.5603% | 1,119 |
| Cash dividends to net income (ytd only)* | 20.5255% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 5,107 |
| Loan loss allowance to noncurrent loans | 121.5461% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 4,023 |
| Noncurrent loans to loans | 0.6095% | 2,898 |
| Net loans and leases to total assets | 43.1212% | 5,094 |
| Net loans and leases to deposits | 104.8368% | 452 |
| Net loans and leases to core deposits | 105.8703% | 1,243 |
| Total domestic deposits to total assets | 41.1317% | 5,746 |
| Equity capital to assets | 8.9821% | 4,924 |
| Core capital (leverage) ratio | 9.1993% | 4,489 |
| Tier 1 risk-based capital ratio | 15.3901% | 2,752 |
| Total risk-based capital ratio | 15.9354% | 2,994 |
| Memoranda: | ||
| Average total assets | $223,331,000 | 2,732 |
| Average earning assets | $212,418,330 | 2,674 |
| Average equity | $19,551,670 | 3,206 |
| Average total loans | $92,325,330 | 3,531 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 4,899 |
| Cost of funding earning assets | 0.1894% | 5,072 |
| Net interest margin | 3.2253% | 4,260 |
| Noninterest income to average assets | 0.3456% | 4,080 |
| Noninterest expense to average assets | 1.8206% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0767% | 1,956 |
| Return on assets (ROA) | 1.0767% | 2,004 |
| Pretax return on assets | 1.5914% | 1,260 |
| Return on Equity (ROE) | 12.5787% | 1,094 |
| Retained earnings to average equity (ytd only) | 9.9227% | 825 |
| Net charge-offs to loans | 0.0767% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 51.4706% | 881 |
| Efficiency ratio | 53.3582% | 5,182 |
| Assets per employee ($millions) | 6.5639% | 1,155 |
| Cash dividends to net income (ytd only)* | 21.1149% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 5,063 |
| Loan loss allowance to noncurrent loans | 178.3133% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 4,419 |
| Noncurrent loans to loans | 0.4493% | 3,484 |
| Net loans and leases to total assets | 41.0536% | 5,206 |
| Net loans and leases to deposits | 101.7808% | 508 |
| Net loans and leases to core deposits | 103.3036% | 1,268 |
| Total domestic deposits to total assets | 40.3353% | 5,812 |
| Equity capital to assets | 8.5821% | 5,177 |
| Core capital (leverage) ratio | 8.9651% | 4,780 |
| Tier 1 risk-based capital ratio | 15.8532% | 2,608 |
| Total risk-based capital ratio | 16.4350% | 2,820 |
| Memoranda: | ||
| Average total assets | $219,926,000 | 2,793 |
| Average earning assets | $209,094,500 | 2,734 |
| Average equity | $18,825,500 | 3,308 |
| Average total loans | $88,613,000 | 3,628 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1019% | 5,401 |
| Cost of funding earning assets | 0.1807% | 5,205 |
| Net interest margin | 2.9212% | 5,092 |
| Noninterest income to average assets | 0.2526% | 4,908 |
| Noninterest expense to average assets | 1.7053% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9108% | 2,768 |
| Return on assets (ROA) | 0.9102% | 2,881 |
| Pretax return on assets | 1.3408% | 2,138 |
| Return on Equity (ROE) | 10.3756% | 1,814 |
| Retained earnings to average equity (ytd only) | 7.7193% | 952 |
| Net charge-offs to loans | -0.0026% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9651% | 5,075 |
| Assets per employee ($millions) | 6.3729% | 1,224 |
| Cash dividends to net income (ytd only)* | 25.6016% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,809 |
| Loan loss allowance to noncurrent loans | 163.4989% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 4,411 |
| Noncurrent loans to loans | 0.5456% | 3,208 |
| Net loans and leases to total assets | 38.8170% | 5,368 |
| Net loans and leases to deposits | 97.5380% | 863 |
| Net loans and leases to core deposits | 99.0625% | 1,703 |
| Total domestic deposits to total assets | 39.7968% | 5,871 |
| Equity capital to assets | 8.4540% | 5,306 |
| Core capital (leverage) ratio | 8.3121% | 5,428 |
| Tier 1 risk-based capital ratio | 16.2623% | 2,441 |
| Total risk-based capital ratio | 16.8930% | 2,618 |
| Memoranda: | ||
| Average total assets | $214,569,600 | 2,808 |
| Average earning assets | $205,258,200 | 2,736 |
| Average equity | $18,823,000 | 3,294 |
| Average total loans | $77,403,200 | 3,861 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9983% | 5,569 |
| Cost of funding earning assets | 0.1762% | 5,296 |
| Net interest margin | 2.8221% | 5,319 |
| Noninterest income to average assets | 0.2554% | 4,933 |
| Noninterest expense to average assets | 1.6999% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8596% | 3,103 |
| Return on assets (ROA) | 0.8596% | 3,231 |
| Pretax return on assets | 1.2595% | 2,576 |
| Return on Equity (ROE) | 9.7099% | 2,183 |
| Retained earnings to average equity (ytd only) | 7.0714% | 1,589 |
| Net charge-offs to loans | -0.0106% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4405% | 4,896 |
| Assets per employee ($millions) | 7.5454% | 706 |
| Cash dividends to net income (ytd only)* | 27.1741% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,814 |
| Loan loss allowance to noncurrent loans | 182.4940% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 4,702 |
| Noncurrent loans to loans | 0.5033% | 3,491 |
| Net loans and leases to total assets | 33.9961% | 5,624 |
| Net loans and leases to deposits | 92.7462% | 1,403 |
| Net loans and leases to core deposits | 94.1568% | 2,185 |
| Total domestic deposits to total assets | 36.6550% | 5,942 |
| Equity capital to assets | 8.1461% | 5,690 |
| Core capital (leverage) ratio | 8.1373% | 5,620 |
| Tier 1 risk-based capital ratio | 15.0244% | 3,040 |
| Total risk-based capital ratio | 15.6240% | 3,278 |
| Memoranda: | ||
| Average total assets | $214,042,500 | 2,825 |
| Average earning assets | $205,091,250 | 2,751 |
| Average equity | $18,949,250 | 3,302 |
| Average total loans | $75,537,750 | 3,942 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0845% | 5,563 |
| Cost of funding earning assets | 0.1796% | 5,324 |
| Net interest margin | 2.9049% | 5,257 |
| Noninterest income to average assets | 0.2616% | 4,913 |
| Noninterest expense to average assets | 1.7676% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8683% | 3,014 |
| Return on assets (ROA) | 0.8697% | 3,123 |
| Pretax return on assets | 1.2738% | 2,508 |
| Return on Equity (ROE) | 9.5247% | 2,259 |
| Retained earnings to average equity (ytd only) | 6.8522% | 1,691 |
| Net charge-offs to loans | -0.0410% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1567% | 4,880 |
| Assets per employee ($millions) | 6.7242% | 988 |
| Cash dividends to net income (ytd only)* | 28.0584% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 4,622 |
| Loan loss allowance to noncurrent loans | 68.2624% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 3,440 |
| Noncurrent loans to loans | 1.4332% | 1,545 |
| Net loans and leases to total assets | 35.1208% | 5,640 |
| Net loans and leases to deposits | 90.6915% | 1,671 |
| Net loans and leases to core deposits | 92.1118% | 2,339 |
| Total domestic deposits to total assets | 38.7256% | 6,019 |
| Equity capital to assets | 8.7508% | 5,436 |
| Core capital (leverage) ratio | 8.5991% | 5,266 |
| Tier 1 risk-based capital ratio | 15.9086% | 2,689 |
| Total risk-based capital ratio | 16.5635% | 2,873 |
| Memoranda: | ||
| Average total assets | $204,905,330 | 2,933 |
| Average earning assets | $195,948,000 | 2,857 |
| Average equity | $18,709,330 | 3,337 |
| Average total loans | $73,101,670 | 4,015 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 5,557 |
| Cost of funding earning assets | 0.1835% | 5,345 |
| Net interest margin | 2.9596% | 5,203 |
| Noninterest income to average assets | 0.2729% | 4,778 |
| Noninterest expense to average assets | 1.7311% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9408% | 2,556 |
| Return on assets (ROA) | 0.9450% | 2,646 |
| Pretax return on assets | 1.3727% | 1,989 |
| Return on Equity (ROE) | 10.1117% | 1,942 |
| Retained earnings to average equity (ytd only) | 7.3876% | 1,712 |
| Net charge-offs to loans | -0.0569% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8843% | 5,202 |
| Assets per employee ($millions) | 6.6821% | 1,016 |
| Cash dividends to net income (ytd only)* | 26.9397% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 4,262 |
| Loan loss allowance to noncurrent loans | 61.6935% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 3,256 |
| Noncurrent loans to loans | 1.7248% | 1,301 |
| Net loans and leases to total assets | 33.2632% | 5,742 |
| Net loans and leases to deposits | 84.3015% | 2,273 |
| Net loans and leases to core deposits | 84.7071% | 2,874 |
| Total domestic deposits to total assets | 39.4574% | 6,081 |
| Equity capital to assets | 8.7149% | 5,410 |
| Core capital (leverage) ratio | 9.6226% | 4,010 |
| Tier 1 risk-based capital ratio | 16.4395% | 2,501 |
| Total risk-based capital ratio | 17.1228% | 2,679 |
| Memoranda: | ||
| Average total assets | $196,408,000 | 3,029 |
| Average earning assets | $187,456,500 | 2,963 |
| Average equity | $18,355,000 | 3,391 |
| Average total loans | $70,301,000 | 4,109 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 5,159 |
| Cost of funding earning assets | 0.2456% | 4,829 |
| Net interest margin | 3.1539% | 4,769 |
| Noninterest income to average assets | 0.2512% | 5,089 |
| Noninterest expense to average assets | 2.0757% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8133% | 3,286 |
| Return on assets (ROA) | 0.8600% | 3,137 |
| Pretax return on assets | 1.2362% | 2,520 |
| Return on Equity (ROE) | 8.2759% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.2759% | 829 |
| Net charge-offs to loans | -0.0231% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9630% | 4,270 |
| Assets per employee ($millions) | 5.9635% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 4,058 |
| Loan loss allowance to noncurrent loans | 51.0135% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 2,462 |
| Noncurrent loans to loans | 2.1539% | 937 |
| Net loans and leases to total assets | 37.9842% | 5,622 |
| Net loans and leases to deposits | 82.8217% | 2,496 |
| Net loans and leases to core deposits | 84.1790% | 2,950 |
| Total domestic deposits to total assets | 45.8626% | 6,132 |
| Equity capital to assets | 10.0572% | 3,896 |
| Core capital (leverage) ratio | 10.4396% | 2,999 |
| Tier 1 risk-based capital ratio | 19.3523% | 1,621 |
| Total risk-based capital ratio | 20.1649% | 1,687 |
| Memoranda: | ||
| Average total assets | $166,399,600 | 3,359 |
| Average earning assets | $157,964,000 | 3,280 |
| Average equity | $17,291,200 | 3,492 |
| Average total loans | $64,813,800 | 4,236 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 5,219 |
| Cost of funding earning assets | 0.2556% | 4,812 |
| Net interest margin | 3.1382% | 4,852 |
| Noninterest income to average assets | 0.2719% | 4,992 |
| Noninterest expense to average assets | 2.0668% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8202% | 3,335 |
| Return on assets (ROA) | 0.8828% | 3,109 |
| Pretax return on assets | 1.2739% | 2,498 |
| Return on Equity (ROE) | 8.4209% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.4209% | 1,081 |
| Net charge-offs to loans | -0.0209% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5930% | 4,317 |
| Assets per employee ($millions) | 5.2166% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 4,031 |
| Loan loss allowance to noncurrent loans | 50.0668% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 2,360 |
| Noncurrent loans to loans | 2.2660% | 955 |
| Net loans and leases to total assets | 37.9665% | 5,706 |
| Net loans and leases to deposits | 79.8414% | 2,901 |
| Net loans and leases to core deposits | 81.1530% | 3,331 |
| Total domestic deposits to total assets | 47.5524% | 6,217 |
| Equity capital to assets | 10.2684% | 3,856 |
| Core capital (leverage) ratio | 10.4698% | 3,072 |
| Tier 1 risk-based capital ratio | 24.4160% | 903 |
| Total risk-based capital ratio | 25.4545% | 913 |
| Memoranda: | ||
| Average total assets | $163,273,000 | 3,424 |
| Average earning assets | $154,949,000 | 3,355 |
| Average equity | $17,115,750 | 3,540 |
| Average total loans | $63,839,500 | 4,308 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3715% | 5,291 |
| Cost of funding earning assets | 0.2652% | 4,769 |
| Net interest margin | 3.1063% | 4,956 |
| Noninterest income to average assets | 0.3431% | 4,501 |
| Noninterest expense to average assets | 2.1084% | 5,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8238% | 3,254 |
| Return on assets (ROA) | 0.9219% | 2,899 |
| Pretax return on assets | 1.3286% | 2,250 |
| Return on Equity (ROE) | 8.7308% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.7308% | 1,018 |
| Net charge-offs to loans | -0.0539% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9909% | 4,361 |
| Assets per employee ($millions) | 4.8765% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,974 |
| Loan loss allowance to noncurrent loans | 47.2534% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1919% | 2,122 |
| Noncurrent loans to loans | 2.4763% | 905 |
| Net loans and leases to total assets | 39.7312% | 5,648 |
| Net loans and leases to deposits | 78.2918% | 2,992 |
| Net loans and leases to core deposits | 79.5801% | 3,435 |
| Total domestic deposits to total assets | 50.7476% | 6,288 |
| Equity capital to assets | 10.6578% | 3,263 |
| Core capital (leverage) ratio | 10.7423% | 2,687 |
| Tier 1 risk-based capital ratio | 24.5611% | 901 |
| Total risk-based capital ratio | 25.6364% | 906 |
| Memoranda: | ||
| Average total assets | $160,314,330 | 3,483 |
| Average earning assets | $152,336,330 | 3,411 |
| Average equity | $16,928,670 | 3,573 |
| Average total loans | $63,083,000 | 4,368 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2753% | 5,503 |
| Cost of funding earning assets | 0.2657% | 4,844 |
| Net interest margin | 3.0096% | 5,191 |
| Noninterest income to average assets | 0.2900% | 4,855 |
| Noninterest expense to average assets | 2.0174% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7841% | 3,345 |
| Return on assets (ROA) | 0.9824% | 2,465 |
| Pretax return on assets | 1.4199% | 1,810 |
| Return on Equity (ROE) | 9.3474% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.3474% | 1,086 |
| Net charge-offs to loans | -0.0707% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0476% | 4,471 |
| Assets per employee ($millions) | 4.6622% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 3,985 |
| Loan loss allowance to noncurrent loans | 47.6523% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 2,378 |
| Noncurrent loans to loans | 2.5177% | 961 |
| Net loans and leases to total assets | 39.0163% | 5,663 |
| Net loans and leases to deposits | 74.5756% | 3,223 |
| Net loans and leases to core deposits | 75.7827% | 3,618 |
| Total domestic deposits to total assets | 52.3177% | 6,356 |
| Equity capital to assets | 10.7806% | 3,214 |
| Core capital (leverage) ratio | 10.5141% | 2,941 |
| Tier 1 risk-based capital ratio | 24.4597% | 944 |
| Total risk-based capital ratio | 25.5439% | 947 |
| Memoranda: | ||
| Average total assets | $160,009,500 | 3,506 |
| Average earning assets | $152,048,500 | 3,429 |
| Average equity | $16,817,500 | 3,616 |
| Average total loans | $62,277,500 | 4,421 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4716% | 5,389 |
| Cost of funding earning assets | 0.2959% | 4,832 |
| Net interest margin | 3.1757% | 5,001 |
| Noninterest income to average assets | 0.2563% | 5,299 |
| Noninterest expense to average assets | 2.0512% | 5,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8665% | 3,040 |
| Return on assets (ROA) | 0.8643% | 3,139 |
| Pretax return on assets | 1.2437% | 2,471 |
| Return on Equity (ROE) | 9.0114% | 2,575 |
| Retained earnings to average equity (ytd only) | 9.0114% | 703 |
| Net charge-offs to loans | 0.0915% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 35.9091% | 1,178 |
| Efficiency ratio | 62.1937% | 4,881 |
| Assets per employee ($millions) | 5.0478% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 4,033 |
| Loan loss allowance to noncurrent loans | 43.1739% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1428% | 2,474 |
| Noncurrent loans to loans | 2.7664% | 867 |
| Net loans and leases to total assets | 37.8982% | 5,857 |
| Net loans and leases to deposits | 75.7074% | 3,231 |
| Net loans and leases to core deposits | 76.9628% | 3,614 |
| Total domestic deposits to total assets | 50.0588% | 6,448 |
| Equity capital to assets | 10.1857% | 3,874 |
| Core capital (leverage) ratio | 10.5230% | 2,918 |
| Tier 1 risk-based capital ratio | 25.0167% | 836 |
| Total risk-based capital ratio | 26.1415% | 832 |
| Memoranda: | ||
| Average total assets | $158,392,800 | 3,513 |
| Average earning assets | $151,716,800 | 3,415 |
| Average equity | $15,191,800 | 3,801 |
| Average total loans | $60,091,000 | 4,488 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 5,459 |
| Cost of funding earning assets | 0.3024% | 4,868 |
| Net interest margin | 3.1628% | 5,084 |
| Noninterest income to average assets | 0.2301% | 5,554 |
| Noninterest expense to average assets | 2.0633% | 5,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8532% | 3,160 |
| Return on assets (ROA) | 0.8502% | 3,268 |
| Pretax return on assets | 1.1979% | 2,784 |
| Return on Equity (ROE) | 9.0073% | 2,682 |
| Retained earnings to average equity (ytd only) | 9.0073% | 1,002 |
| Net charge-offs to loans | 0.0626% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 50.7533% | 967 |
| Efficiency ratio | 63.1865% | 4,690 |
| Assets per employee ($millions) | 4.7410% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 3,811 |
| Loan loss allowance to noncurrent loans | 61.7056% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8412% | 3,313 |
| Noncurrent loans to loans | 2.0584% | 1,523 |
| Net loans and leases to total assets | 38.1082% | 5,938 |
| Net loans and leases to deposits | 72.9853% | 3,565 |
| Net loans and leases to core deposits | 74.1822% | 3,925 |
| Total domestic deposits to total assets | 52.2135% | 6,524 |
| Equity capital to assets | 10.0734% | 4,081 |
| Core capital (leverage) ratio | 10.2203% | 3,385 |
| Tier 1 risk-based capital ratio | 25.2855% | 854 |
| Total risk-based capital ratio | 26.4905% | 847 |
| Memoranda: | ||
| Average total assets | $157,608,500 | 3,550 |
| Average earning assets | $151,253,500 | 3,442 |
| Average equity | $14,876,500 | 3,880 |
| Average total loans | $59,624,500 | 4,537 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4404% | 5,540 |
| Cost of funding earning assets | 0.3050% | 4,921 |
| Net interest margin | 3.1354% | 5,141 |
| Noninterest income to average assets | 0.2000% | 5,760 |
| Noninterest expense to average assets | 2.0608% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8161% | 3,251 |
| Return on assets (ROA) | 0.8152% | 3,359 |
| Pretax return on assets | 1.1570% | 2,845 |
| Return on Equity (ROE) | 8.8328% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.8328% | 1,041 |
| Net charge-offs to loans | 0.0472% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 65.3571% | 760 |
| Efficiency ratio | 64.0189% | 4,683 |
| Assets per employee ($millions) | 4.6697% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 3,744 |
| Loan loss allowance to noncurrent loans | 69.8569% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 3,676 |
| Noncurrent loans to loans | 1.8920% | 1,814 |
| Net loans and leases to total assets | 37.8397% | 5,969 |
| Net loans and leases to deposits | 69.6525% | 3,866 |
| Net loans and leases to core deposits | 71.2152% | 4,128 |
| Total domestic deposits to total assets | 54.3264% | 6,587 |
| Equity capital to assets | 9.9533% | 4,174 |
| Core capital (leverage) ratio | 10.2390% | 3,280 |
| Tier 1 risk-based capital ratio | 26.2431% | 747 |
| Total risk-based capital ratio | 27.4941% | 736 |
| Memoranda: | ||
| Average total assets | $157,994,000 | 3,563 |
| Average earning assets | $152,134,670 | 3,442 |
| Average equity | $14,582,000 | 3,933 |
| Average total loans | $59,370,000 | 4,569 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3642% | 5,720 |
| Cost of funding earning assets | 0.3146% | 4,921 |
| Net interest margin | 3.0496% | 5,387 |
| Noninterest income to average assets | 0.2551% | 5,319 |
| Noninterest expense to average assets | 2.0282% | 5,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8228% | 3,042 |
| Return on assets (ROA) | 0.8228% | 3,114 |
| Pretax return on assets | 1.1604% | 2,655 |
| Return on Equity (ROE) | 9.2650% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.2650% | 1,169 |
| Net charge-offs to loans | 0.1210% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,139 |
| Efficiency ratio | 63.6078% | 4,922 |
| Assets per employee ($millions) | 4.8442% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,016 |
| Loan loss allowance to noncurrent loans | 69.5613% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 3,604 |
| Noncurrent loans to loans | 1.8957% | 2,007 |
| Net loans and leases to total assets | 36.3738% | 6,050 |
| Net loans and leases to deposits | 68.9923% | 3,742 |
| Net loans and leases to core deposits | 70.7656% | 4,008 |
| Total domestic deposits to total assets | 52.7215% | 6,664 |
| Equity capital to assets | 9.1801% | 4,892 |
| Core capital (leverage) ratio | 9.5581% | 4,194 |
| Tier 1 risk-based capital ratio | 25.1472% | 872 |
| Total risk-based capital ratio | 26.3982% | 857 |
| Memoranda: | ||
| Average total assets | $159,941,000 | 3,563 |
| Average earning assets | $153,856,500 | 3,440 |
| Average equity | $14,204,000 | 4,011 |
| Average total loans | $59,509,000 | 4,610 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1316% | 6,209 |
| Cost of funding earning assets | 0.3515% | 5,117 |
| Net interest margin | 2.7801% | 6,012 |
| Noninterest income to average assets | 0.1734% | 6,046 |
| Noninterest expense to average assets | 1.9995% | 6,026 |
| Loan and lease loss provision to assets | 0.0275% | 4,574 |
| Net operating income to assets | 0.5492% | 4,508 |
| Return on assets (ROA) | 0.5470% | 4,649 |
| Pretax return on assets | 0.7817% | 4,217 |
| Return on Equity (ROE) | 6.2563% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.2563% | 1,819 |
| Net charge-offs to loans | 0.0725% | 4,194 |
| Credit loss provision to net charge-offs | 97.7778% | 2,541 |
| Earnings coverage of net charge-offs (x) | 28.8444% | 1,225 |
| Efficiency ratio | 71.1106% | 3,648 |
| Assets per employee ($millions) | 5.0008% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 4,024 |
| Loan loss allowance to noncurrent loans | 77.6367% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 3,960 |
| Noncurrent loans to loans | 1.7040% | 2,357 |
| Net loans and leases to total assets | 37.0567% | 6,155 |
| Net loans and leases to deposits | 71.8109% | 3,546 |
| Net loans and leases to core deposits | 73.6930% | 3,870 |
| Total domestic deposits to total assets | 51.6032% | 6,750 |
| Equity capital to assets | 8.5818% | 5,490 |
| Core capital (leverage) ratio | 9.3988% | 4,415 |
| Tier 1 risk-based capital ratio | 24.0355% | 952 |
| Total risk-based capital ratio | 25.2859% | 944 |
| Memoranda: | ||
| Average total assets | $159,786,800 | 3,561 |
| Average earning assets | $151,650,000 | 3,472 |
| Average equity | $13,970,000 | 4,077 |
| Average total loans | $62,045,600 | 4,543 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0097% | 6,417 |
| Cost of funding earning assets | 0.3556% | 5,244 |
| Net interest margin | 2.6541% | 6,243 |
| Noninterest income to average assets | 0.2354% | 5,746 |
| Noninterest expense to average assets | 1.9591% | 6,083 |
| Loan and lease loss provision to assets | 0.0367% | 4,278 |
| Net operating income to assets | 0.5366% | 4,634 |
| Return on assets (ROA) | 0.5342% | 4,801 |
| Pretax return on assets | 0.7471% | 4,496 |
| Return on Equity (ROE) | 6.0824% | 4,142 |
| Retained earnings to average equity (ytd only) | 6.0824% | 2,357 |
| Net charge-offs to loans | 0.0810% | 3,795 |
| Credit loss provision to net charge-offs | 115.7895% | 2,035 |
| Earnings coverage of net charge-offs (x) | 24.8135% | 1,409 |
| Efficiency ratio | 71.3374% | 3,547 |
| Assets per employee ($millions) | 5.2518% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 4,249 |
| Loan loss allowance to noncurrent loans | 74.4661% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 3,467 |
| Noncurrent loans to loans | 1.7846% | 2,519 |
| Net loans and leases to total assets | 36.5764% | 6,253 |
| Net loans and leases to deposits | 68.7212% | 3,970 |
| Net loans and leases to core deposits | 70.4330% | 4,275 |
| Total domestic deposits to total assets | 53.2244% | 6,824 |
| Equity capital to assets | 8.3227% | 5,898 |
| Core capital (leverage) ratio | 9.1986% | 4,834 |
| Tier 1 risk-based capital ratio | 23.1276% | 1,122 |
| Total risk-based capital ratio | 24.3761% | 1,106 |
| Memoranda: | ||
| Average total assets | $159,727,250 | 3,597 |
| Average earning assets | $151,106,000 | 3,513 |
| Average equity | $14,029,250 | 4,107 |
| Average total loans | $62,533,250 | 4,565 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9142% | 6,520 |
| Cost of funding earning assets | 0.3626% | 5,296 |
| Net interest margin | 2.5516% | 6,388 |
| Noninterest income to average assets | 0.2231% | 5,847 |
| Noninterest expense to average assets | 1.9508% | 6,129 |
| Loan and lease loss provision to assets | 0.0555% | 3,892 |
| Net operating income to assets | 0.4474% | 5,026 |
| Return on assets (ROA) | 0.4474% | 5,196 |
| Pretax return on assets | 0.6200% | 4,949 |
| Return on Equity (ROE) | 5.0039% | 4,731 |
| Retained earnings to average equity (ytd only) | 5.0039% | 3,054 |
| Net charge-offs to loans | 0.1328% | 3,052 |
| Credit loss provision to net charge-offs | 104.7619% | 2,110 |
| Earnings coverage of net charge-offs (x) | 12.7619% | 1,953 |
| Efficiency ratio | 74.2802% | 3,080 |
| Assets per employee ($millions) | 5.0353% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,493 |
| Loan loss allowance to noncurrent loans | 60.7306% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 3,239 |
| Noncurrent loans to loans | 2.1452% | 2,235 |
| Net loans and leases to total assets | 38.7296% | 6,132 |
| Net loans and leases to deposits | 72.8505% | 3,328 |
| Net loans and leases to core deposits | 74.9764% | 3,675 |
| Total domestic deposits to total assets | 53.1631% | 6,872 |
| Equity capital to assets | 8.8555% | 5,384 |
| Core capital (leverage) ratio | 9.5283% | 4,201 |
| Tier 1 risk-based capital ratio | 23.7788% | 1,020 |
| Total risk-based capital ratio | 25.0290% | 1,007 |
| Memoranda: | ||
| Average total assets | $158,700,670 | 3,639 |
| Average earning assets | $149,476,670 | 3,564 |
| Average equity | $14,189,000 | 4,113 |
| Average total loans | $63,260,670 | 4,564 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7215% | 6,723 |
| Cost of funding earning assets | 0.3720% | 5,349 |
| Net interest margin | 2.3495% | 6,643 |
| Noninterest income to average assets | 0.2350% | 5,775 |
| Noninterest expense to average assets | 1.8675% | 6,338 |
| Loan and lease loss provision to assets | 0.0650% | 3,545 |
| Net operating income to assets | 0.3475% | 5,363 |
| Return on assets (ROA) | 0.3475% | 5,507 |
| Pretax return on assets | 0.4975% | 5,267 |
| Return on Equity (ROE) | 3.8686% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.8686% | 3,918 |
| Net charge-offs to loans | 0.1556% | 2,465 |
| Credit loss provision to net charge-offs | 104.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,895 |
| Efficiency ratio | 76.8519% | 2,787 |
| Assets per employee ($millions) | 5.1803% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 4,908 |
| Loan loss allowance to noncurrent loans | 66.9748% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 3,607 |
| Noncurrent loans to loans | 1.8772% | 2,762 |
| Net loans and leases to total assets | 40.2782% | 5,976 |
| Net loans and leases to deposits | 75.0462% | 2,768 |
| Net loans and leases to core deposits | 76.9834% | 3,210 |
| Total domestic deposits to total assets | 53.6713% | 6,942 |
| Equity capital to assets | 9.3238% | 5,103 |
| Core capital (leverage) ratio | 8.9502% | 4,969 |
| Tier 1 risk-based capital ratio | 23.8435% | 1,037 |
| Total risk-based capital ratio | 25.0943% | 1,015 |
| Memoranda: | ||
| Average total assets | $160,003,500 | 3,647 |
| Average earning assets | $149,477,500 | 3,601 |
| Average equity | $14,372,000 | 4,125 |
| Average total loans | $64,264,500 | 4,556 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3026% | 6,579 |
| Cost of funding earning assets | 0.4710% | 5,414 |
| Net interest margin | 2.8315% | 6,349 |
| Noninterest income to average assets | 0.1795% | 6,112 |
| Noninterest expense to average assets | 1.9909% | 6,343 |
| Loan and lease loss provision to assets | 0.0765% | 4,762 |
| Net operating income to assets | 0.5121% | 4,635 |
| Return on assets (ROA) | 0.5121% | 4,904 |
| Pretax return on assets | 0.8029% | 4,283 |
| Return on Equity (ROE) | 5.2180% | 4,582 |
| Retained earnings to average equity (ytd only) | -7.6659% | 6,557 |
| Net charge-offs to loans | 0.1554% | 4,147 |
| Credit loss provision to net charge-offs | 116.3462% | 2,480 |
| Earnings coverage of net charge-offs (x) | 13.3750% | 1,830 |
| Efficiency ratio | 69.3612% | 3,919 |
| Assets per employee ($millions) | 5.3096% | 1,888 |
| Cash dividends to net income (ytd only)* | 246.9136% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,011 |
| Loan loss allowance to noncurrent loans | 80.1611% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.0292% | 3,976 |
| Noncurrent loans to loans | 1.5245% | 3,322 |
| Net loans and leases to total assets | 39.0892% | 6,224 |
| Net loans and leases to deposits | 79.1468% | 2,382 |
| Net loans and leases to core deposits | 81.4977% | 2,820 |
| Total domestic deposits to total assets | 49.3882% | 7,016 |
| Equity capital to assets | 8.6599% | 5,896 |
| Core capital (leverage) ratio | 8.2844% | 5,902 |
| Tier 1 risk-based capital ratio | 22.1669% | 1,236 |
| Total risk-based capital ratio | 23.4082% | 1,204 |
| Memoranda: | ||
| Average total assets | $158,173,400 | 3,652 |
| Average earning assets | $150,306,400 | 3,545 |
| Average equity | $15,523,200 | 3,854 |
| Average total loans | $66,924,400 | 4,465 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4358% | 6,580 |
| Cost of funding earning assets | 0.4982% | 5,445 |
| Net interest margin | 2.9376% | 6,295 |
| Noninterest income to average assets | 0.1737% | 6,266 |
| Noninterest expense to average assets | 1.9893% | 6,369 |
| Loan and lease loss provision to assets | 0.0417% | 5,252 |
| Net operating income to assets | 0.6310% | 4,232 |
| Return on assets (ROA) | 0.6310% | 4,487 |
| Pretax return on assets | 0.9444% | 3,941 |
| Return on Equity (ROE) | 6.2371% | 4,207 |
| Retained earnings to average equity (ytd only) | 6.2371% | 2,535 |
| Net charge-offs to loans | 0.0772% | 4,634 |
| Credit loss provision to net charge-offs | 125.6410% | 2,291 |
| Earnings coverage of net charge-offs (x) | 29.6915% | 1,107 |
| Efficiency ratio | 66.8575% | 4,276 |
| Assets per employee ($millions) | 5.4093% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,401 |
| Loan loss allowance to noncurrent loans | 77.8107% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 4,181 |
| Noncurrent loans to loans | 1.5104% | 3,522 |
| Net loans and leases to total assets | 39.5660% | 6,318 |
| Net loans and leases to deposits | 80.1709% | 2,363 |
| Net loans and leases to core deposits | 82.5047% | 2,892 |
| Total domestic deposits to total assets | 49.3521% | 7,112 |
| Equity capital to assets | 9.6131% | 5,038 |
| Core capital (leverage) ratio | 9.7379% | 3,891 |
| Tier 1 risk-based capital ratio | 24.9660% | 910 |
| Total risk-based capital ratio | 26.1860% | 903 |
| Memoranda: | ||
| Average total assets | $156,567,250 | 3,710 |
| Average earning assets | $149,325,250 | 3,601 |
| Average equity | $15,840,500 | 3,842 |
| Average total loans | $67,371,500 | 4,490 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 6,455 |
| Cost of funding earning assets | 0.5240% | 5,460 |
| Net interest margin | 3.1014% | 6,006 |
| Noninterest income to average assets | 0.1295% | 6,540 |
| Noninterest expense to average assets | 1.9809% | 6,472 |
| Loan and lease loss provision to assets | 0.0484% | 5,071 |
| Net operating income to assets | 0.6974% | 3,884 |
| Return on assets (ROA) | 0.6974% | 4,148 |
| Pretax return on assets | 1.0585% | 3,472 |
| Return on Equity (ROE) | 6.7694% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.7694% | 2,237 |
| Net charge-offs to loans | 0.0919% | 4,238 |
| Credit loss provision to net charge-offs | 119.3548% | 2,304 |
| Earnings coverage of net charge-offs (x) | 27.2903% | 1,137 |
| Efficiency ratio | 64.1525% | 4,873 |
| Assets per employee ($millions) | 5.3233% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 5,425 |
| Loan loss allowance to noncurrent loans | 66.1889% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 3,992 |
| Noncurrent loans to loans | 1.7895% | 3,235 |
| Net loans and leases to total assets | 41.0090% | 6,270 |
| Net loans and leases to deposits | 82.8266% | 2,001 |
| Net loans and leases to core deposits | 85.0698% | 2,551 |
| Total domestic deposits to total assets | 49.5119% | 7,183 |
| Equity capital to assets | 10.0138% | 4,312 |
| Core capital (leverage) ratio | 10.0480% | 3,355 |
| Tier 1 risk-based capital ratio | 25.8562% | 819 |
| Total risk-based capital ratio | 27.1070% | 798 |
| Memoranda: | ||
| Average total assets | $152,860,670 | 3,789 |
| Average earning assets | $145,806,670 | 3,685 |
| Average equity | $15,747,330 | 3,843 |
| Average total loans | $67,450,000 | 4,504 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 6,113 |
| Cost of funding earning assets | 0.5427% | 5,545 |
| Net interest margin | 3.3180% | 5,409 |
| Noninterest income to average assets | 0.1071% | 6,703 |
| Noninterest expense to average assets | 2.0048% | 6,450 |
| Loan and lease loss provision to assets | 0.0054% | 5,208 |
| Net operating income to assets | 0.8538% | 3,137 |
| Return on assets (ROA) | 0.8538% | 3,373 |
| Pretax return on assets | 1.2553% | 2,707 |
| Return on Equity (ROE) | 8.1664% | 3,208 |
| Retained earnings to average equity (ytd only) | 8.1664% | 1,921 |
| Net charge-offs to loans | -0.0059% | 5,826 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3934% | 5,385 |
| Assets per employee ($millions) | 5.0724% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 5,629 |
| Loan loss allowance to noncurrent loans | 68.2373% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 4,140 |
| Noncurrent loans to loans | 1.7176% | 3,537 |
| Net loans and leases to total assets | 41.9338% | 6,201 |
| Net loans and leases to deposits | 80.1639% | 2,181 |
| Net loans and leases to core deposits | 82.2436% | 2,797 |
| Total domestic deposits to total assets | 52.3101% | 7,234 |
| Equity capital to assets | 10.0399% | 4,080 |
| Core capital (leverage) ratio | 10.6871% | 2,559 |
| Tier 1 risk-based capital ratio | 26.0581% | 796 |
| Total risk-based capital ratio | 27.3093% | 784 |
| Memoranda: | ||
| Average total assets | $149,441,500 | 3,880 |
| Average earning assets | $142,255,000 | 3,783 |
| Average equity | $15,625,000 | 3,869 |
| Average total loans | $68,037,000 | 4,521 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 4,518 |
| Cost of funding earning assets | 0.6477% | 5,841 |
| Net interest margin | 3.9894% | 2,936 |
| Noninterest income to average assets | 0.2669% | 5,609 |
| Noninterest expense to average assets | 2.2400% | 6,186 |
| Loan and lease loss provision to assets | 0.2516% | 3,687 |
| Net operating income to assets | 0.9767% | 2,296 |
| Return on assets (ROA) | 0.9767% | 2,431 |
| Pretax return on assets | 1.5513% | 1,337 |
| Return on Equity (ROE) | 8.9852% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.9852% | 805 |
| Net charge-offs to loans | 0.2335% | 4,320 |
| Credit loss provision to net charge-offs | 213.5802% | 1,147 |
| Earnings coverage of net charge-offs (x) | 15.3025% | 1,402 |
| Efficiency ratio | 55.1538% | 6,403 |
| Assets per employee ($millions) | 4.5690% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 5,725 |
| Loan loss allowance to noncurrent loans | 42.0399% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 3,900 |
| Noncurrent loans to loans | 2.6718% | 2,433 |
| Net loans and leases to total assets | 48.4150% | 5,783 |
| Net loans and leases to deposits | 88.2482% | 1,350 |
| Net loans and leases to core deposits | 90.0762% | 2,124 |
| Total domestic deposits to total assets | 54.8623% | 7,268 |
| Equity capital to assets | 10.9171% | 3,061 |
| Core capital (leverage) ratio | 10.7263% | 2,500 |
| Tier 1 risk-based capital ratio | 26.3680% | 749 |
| Total risk-based capital ratio | 27.6193% | 740 |
| Memoranda: | ||
| Average total assets | $137,497,000 | 4,022 |
| Average earning assets | $130,145,800 | 3,929 |
| Average equity | $14,946,800 | 3,920 |
| Average total loans | $69,366,600 | 4,516 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 4,516 |
| Cost of funding earning assets | 0.6639% | 5,969 |
| Net interest margin | 4.0235% | 2,818 |
| Noninterest income to average assets | 0.2443% | 5,872 |
| Noninterest expense to average assets | 2.1749% | 6,330 |
| Loan and lease loss provision to assets | 0.3078% | 3,064 |
| Net operating income to assets | 1.0415% | 2,174 |
| Return on assets (ROA) | 1.0415% | 2,324 |
| Pretax return on assets | 1.5691% | 1,462 |
| Return on Equity (ROE) | 9.5919% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.5919% | 957 |
| Net charge-offs to loans | 0.2672% | 3,768 |
| Credit loss provision to net charge-offs | 226.6187% | 1,261 |
| Earnings coverage of net charge-offs (x) | 13.8201% | 1,580 |
| Efficiency ratio | 53.3398% | 6,563 |
| Assets per employee ($millions) | 4.8157% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,892 |
| Loan loss allowance to noncurrent loans | 38.7243% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.4640% | 3,924 |
| Noncurrent loans to loans | 2.8401% | 2,452 |
| Net loans and leases to total assets | 47.9899% | 5,956 |
| Net loans and leases to deposits | 87.4265% | 1,505 |
| Net loans and leases to core deposits | 88.8779% | 2,381 |
| Total domestic deposits to total assets | 54.8917% | 7,339 |
| Equity capital to assets | 10.5461% | 3,651 |
| Core capital (leverage) ratio | 10.7373% | 2,631 |
| Tier 1 risk-based capital ratio | 25.9272% | 844 |
| Total risk-based capital ratio | 27.1783% | 821 |
| Memoranda: | ||
| Average total assets | $136,461,250 | 4,073 |
| Average earning assets | $129,137,250 | 3,971 |
| Average equity | $14,817,750 | 3,955 |
| Average total loans | $69,369,750 | 4,553 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 4,581 |
| Cost of funding earning assets | 0.6908% | 6,017 |
| Net interest margin | 3.9975% | 2,848 |
| Noninterest income to average assets | 0.2945% | 5,525 |
| Noninterest expense to average assets | 2.1915% | 6,405 |
| Loan and lease loss provision to assets | 0.3334% | 2,782 |
| Net operating income to assets | 1.0150% | 2,166 |
| Return on assets (ROA) | 1.0150% | 2,262 |
| Pretax return on assets | 1.5412% | 1,398 |
| Return on Equity (ROE) | 9.2517% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.2517% | 1,031 |
| Net charge-offs to loans | 0.1447% | 4,322 |
| Credit loss provision to net charge-offs | 446.0000% | 679 |
| Earnings coverage of net charge-offs (x) | 25.0800% | 1,046 |
| Efficiency ratio | 53.4191% | 6,675 |
| Assets per employee ($millions) | 4.4994% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 5,956 |
| Loan loss allowance to noncurrent loans | 39.8340% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 1.6328% | 3,733 |
| Noncurrent loans to loans | 2.7625% | 2,636 |
| Net loans and leases to total assets | 51.1368% | 5,674 |
| Net loans and leases to deposits | 91.4420% | 1,116 |
| Net loans and leases to core deposits | 93.0331% | 2,014 |
| Total domestic deposits to total assets | 55.9227% | 7,403 |
| Equity capital to assets | 11.0845% | 2,868 |
| Core capital (leverage) ratio | 10.8219% | 2,399 |
| Tier 1 risk-based capital ratio | 25.6888% | 835 |
| Total risk-based capital ratio | 26.9400% | 820 |
| Memoranda: | ||
| Average total assets | $133,791,670 | 4,151 |
| Average earning assets | $126,228,670 | 4,065 |
| Average equity | $14,678,330 | 3,967 |
| Average total loans | $69,125,670 | 4,609 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 5,358 |
| Cost of funding earning assets | 0.7470% | 5,879 |
| Net interest margin | 3.7476% | 3,850 |
| Noninterest income to average assets | 0.2282% | 6,092 |
| Noninterest expense to average assets | 2.2973% | 6,193 |
| Loan and lease loss provision to assets | 0.0180% | 5,717 |
| Net operating income to assets | 0.9640% | 2,300 |
| Return on assets (ROA) | 0.9640% | 2,367 |
| Pretax return on assets | 1.4385% | 1,625 |
| Return on Equity (ROE) | 8.8329% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.8329% | 1,433 |
| Net charge-offs to loans | -0.0116% | 6,402 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0800% | 5,974 |
| Assets per employee ($millions) | 4.5849% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 6,763 |
| Loan loss allowance to noncurrent loans | 33.8384% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 4,077 |
| Noncurrent loans to loans | 2.5818% | 2,915 |
| Net loans and leases to total assets | 49.7415% | 5,885 |
| Net loans and leases to deposits | 89.4400% | 1,304 |
| Net loans and leases to core deposits | 90.9705% | 2,243 |
| Total domestic deposits to total assets | 55.6144% | 7,463 |
| Equity capital to assets | 10.6415% | 3,049 |
| Core capital (leverage) ratio | 10.5328% | 2,579 |
| Tier 1 risk-based capital ratio | 24.9475% | 880 |
| Total risk-based capital ratio | 25.9934% | 884 |
| Memoranda: | ||
| Average total assets | $133,197,000 | 4,190 |
| Average earning assets | $125,306,500 | 4,117 |
| Average equity | $14,536,500 | 3,986 |
| Average total loans | $68,792,000 | 4,661 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9401% | 4,833 |
| Cost of funding earning assets | 0.7903% | 6,612 |
| Net interest margin | 4.1498% | 2,365 |
| Noninterest income to average assets | 0.2262% | 6,188 |
| Noninterest expense to average assets | 2.2958% | 6,370 |
| Loan and lease loss provision to assets | 0.4732% | 3,300 |
| Net operating income to assets | 0.8737% | 2,485 |
| Return on assets (ROA) | 0.8737% | 2,628 |
| Pretax return on assets | 1.3566% | 1,777 |
| Return on Equity (ROE) | 7.9031% | 2,737 |
| Retained earnings to average equity (ytd only) | 7.9031% | 1,012 |
| Net charge-offs to loans | 0.7629% | 2,732 |
| Credit loss provision to net charge-offs | 116.0784% | 3,709 |
| Earnings coverage of net charge-offs (x) | 4.4882% | 2,906 |
| Efficiency ratio | 55.2994% | 6,677 |
| Assets per employee ($millions) | 4.0265% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 6,802 |
| Loan loss allowance to noncurrent loans | 46.5207% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.2364% | 4,548 |
| Noncurrent loans to loans | 1.8654% | 3,731 |
| Net loans and leases to total assets | 52.7509% | 5,819 |
| Net loans and leases to deposits | 95.4513% | 915 |
| Net loans and leases to core deposits | 97.0348% | 1,888 |
| Total domestic deposits to total assets | 55.2648% | 7,540 |
| Equity capital to assets | 11.2040% | 2,506 |
| Core capital (leverage) ratio | 10.6084% | 2,456 |
| Tier 1 risk-based capital ratio | 25.3519% | 815 |
| Total risk-based capital ratio | 26.4257% | 808 |
| Memoranda: | ||
| Average total assets | $125,096,000 | 4,376 |
| Average earning assets | $117,547,400 | 4,280 |
| Average equity | $13,830,000 | 4,177 |
| Average total loans | $66,848,800 | 4,795 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0324% | 4,666 |
| Cost of funding earning assets | 0.8022% | 6,756 |
| Net interest margin | 4.2302% | 2,107 |
| Noninterest income to average assets | 0.1890% | 6,531 |
| Noninterest expense to average assets | 2.2422% | 6,485 |
| Loan and lease loss provision to assets | 0.4865% | 3,045 |
| Net operating income to assets | 0.9557% | 2,394 |
| Return on assets (ROA) | 0.9557% | 2,518 |
| Pretax return on assets | 1.4358% | 1,783 |
| Return on Equity (ROE) | 8.6752% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.6752% | 1,171 |
| Net charge-offs to loans | 0.8070% | 2,435 |
| Credit loss provision to net charge-offs | 112.6866% | 3,738 |
| Earnings coverage of net charge-offs (x) | 4.4527% | 3,040 |
| Efficiency ratio | 53.4812% | 6,832 |
| Assets per employee ($millions) | 4.1917% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 6,894 |
| Loan loss allowance to noncurrent loans | 35.9236% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 4,520 |
| Noncurrent loans to loans | 2.3618% | 3,281 |
| Net loans and leases to total assets | 50.7234% | 6,244 |
| Net loans and leases to deposits | 90.7042% | 1,623 |
| Net loans and leases to core deposits | 92.1730% | 2,776 |
| Total domestic deposits to total assets | 55.9218% | 7,641 |
| Equity capital to assets | 10.8393% | 3,128 |
| Core capital (leverage) ratio | 10.7798% | 2,436 |
| Tier 1 risk-based capital ratio | 25.3313% | 838 |
| Total risk-based capital ratio | 26.3635% | 838 |
| Memoranda: | ||
| Average total assets | $124,158,250 | 4,451 |
| Average earning assets | $116,681,250 | 4,363 |
| Average equity | $13,678,500 | 4,279 |
| Average total loans | $66,420,250 | 4,885 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0403% | 4,747 |
| Cost of funding earning assets | 0.8123% | 6,869 |
| Net interest margin | 4.2280% | 2,059 |
| Noninterest income to average assets | 0.1751% | 6,651 |
| Noninterest expense to average assets | 2.2728% | 6,428 |
| Loan and lease loss provision to assets | 0.1080% | 5,834 |
| Net operating income to assets | 1.1765% | 1,619 |
| Return on assets (ROA) | 1.1765% | 1,687 |
| Pretax return on assets | 1.7803% | 923 |
| Return on Equity (ROE) | 10.6180% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.6180% | 724 |
| Net charge-offs to loans | 0.1416% | 4,810 |
| Credit loss provision to net charge-offs | 140.4255% | 2,851 |
| Earnings coverage of net charge-offs (x) | 24.5532% | 1,063 |
| Efficiency ratio | 54.2666% | 6,851 |
| Assets per employee ($millions) | 4.1881% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 7,024 |
| Loan loss allowance to noncurrent loans | 27.1567% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 1.6961% | 3,897 |
| Noncurrent loans to loans | 2.9606% | 2,705 |
| Net loans and leases to total assets | 52.2409% | 6,185 |
| Net loans and leases to deposits | 92.1713% | 1,503 |
| Net loans and leases to core deposits | 93.6909% | 2,768 |
| Total domestic deposits to total assets | 56.6780% | 7,702 |
| Equity capital to assets | 11.1276% | 2,747 |
| Core capital (leverage) ratio | 11.0769% | 2,181 |
| Tier 1 risk-based capital ratio | 25.0472% | 839 |
| Total risk-based capital ratio | 26.0223% | 847 |
| Memoranda: | ||
| Average total assets | $122,229,670 | 4,523 |
| Average earning assets | $115,231,670 | 4,433 |
| Average equity | $13,543,000 | 4,305 |
| Average total loans | $66,401,670 | 4,922 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 5,232 |
| Cost of funding earning assets | 0.8830% | 6,835 |
| Net interest margin | 4.0686% | 2,571 |
| Noninterest income to average assets | 0.2423% | 6,212 |
| Noninterest expense to average assets | 2.3265% | 6,313 |
| Loan and lease loss provision to assets | 0.0664% | 5,973 |
| Net operating income to assets | 1.0952% | 1,841 |
| Return on assets (ROA) | 1.0952% | 1,926 |
| Pretax return on assets | 1.6727% | 1,109 |
| Return on Equity (ROE) | 9.9069% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.9069% | 1,162 |
| Net charge-offs to loans | 0.1143% | 4,297 |
| Credit loss provision to net charge-offs | 105.2632% | 3,255 |
| Earnings coverage of net charge-offs (x) | 27.5789% | 925 |
| Efficiency ratio | 56.8163% | 6,651 |
| Assets per employee ($millions) | 4.0468% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 7,195 |
| Loan loss allowance to noncurrent loans | 31.4951% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 4,063 |
| Noncurrent loans to loans | 2.4522% | 3,225 |
| Net loans and leases to total assets | 52.6409% | 6,202 |
| Net loans and leases to deposits | 92.7409% | 1,507 |
| Net loans and leases to core deposits | 94.2646% | 2,812 |
| Total domestic deposits to total assets | 56.7613% | 7,789 |
| Equity capital to assets | 10.7939% | 2,963 |
| Core capital (leverage) ratio | 10.9559% | 2,256 |
| Tier 1 risk-based capital ratio | 23.9627% | 972 |
| Total risk-based capital ratio | 24.8908% | 973 |
| Memoranda: | ||
| Average total assets | $120,523,000 | 4,617 |
| Average earning assets | $113,256,500 | 4,534 |
| Average equity | $13,324,000 | 4,399 |
| Average total loans | $66,518,000 | 4,984 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2978% | 5,183 |
| Cost of funding earning assets | 1.0791% | 7,032 |
| Net interest margin | 4.2187% | 2,006 |
| Noninterest income to average assets | 0.2085% | 6,613 |
| Noninterest expense to average assets | 2.4009% | 6,466 |
| Loan and lease loss provision to assets | 0.6499% | 3,201 |
| Net operating income to assets | 0.7031% | 2,919 |
| Return on assets (ROA) | 0.7031% | 2,990 |
| Pretax return on assets | 1.0957% | 2,268 |
| Return on Equity (ROE) | 6.1537% | 3,150 |
| Retained earnings to average equity (ytd only) | 6.1537% | 1,296 |
| Net charge-offs to loans | 0.8801% | 2,635 |
| Credit loss provision to net charge-offs | 126.7606% | 4,106 |
| Earnings coverage of net charge-offs (x) | 3.4049% | 3,360 |
| Efficiency ratio | 57.5098% | 6,832 |
| Assets per employee ($millions) | 3.8532% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 7,204 |
| Loan loss allowance to noncurrent loans | 32.9057% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 1.6757% | 3,857 |
| Noncurrent loans to loans | 2.3449% | 3,238 |
| Net loans and leases to total assets | 57.0703% | 5,807 |
| Net loans and leases to deposits | 98.1127% | 1,091 |
| Net loans and leases to core deposits | 103.2232% | 3,662 |
| Total domestic deposits to total assets | 58.1681% | 7,832 |
| Equity capital to assets | 11.3386% | 2,444 |
| Core capital (leverage) ratio | 11.3666% | 1,998 |
| Tier 1 risk-based capital ratio | 23.0784% | 1,036 |
| Total risk-based capital ratio | 23.9935% | 1,050 |
| Memoranda: | ||
| Average total assets | $110,793,800 | 4,800 |
| Average earning assets | $103,420,600 | 4,745 |
| Average equity | $12,659,000 | 4,600 |
| Average total loans | $64,537,600 | 5,083 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3885% | 5,009 |
| Cost of funding earning assets | 1.1255% | 7,115 |
| Net interest margin | 4.2630% | 1,830 |
| Noninterest income to average assets | 0.1618% | 7,043 |
| Noninterest expense to average assets | 2.4502% | 6,249 |
| Loan and lease loss provision to assets | 0.4927% | 3,441 |
| Net operating income to assets | 0.8017% | 2,811 |
| Return on assets (ROA) | 0.8017% | 2,875 |
| Pretax return on assets | 1.1910% | 2,294 |
| Return on Equity (ROE) | 7.0028% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.0028% | 1,508 |
| Net charge-offs to loans | 0.5246% | 3,114 |
| Credit loss provision to net charge-offs | 160.7143% | 2,946 |
| Earnings coverage of net charge-offs (x) | 5.4921% | 2,805 |
| Efficiency ratio | 58.8582% | 6,581 |
| Assets per employee ($millions) | 3.7172% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 7,111 |
| Loan loss allowance to noncurrent loans | 36.8988% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4949% | 4,130 |
| Noncurrent loans to loans | 2.1713% | 3,416 |
| Net loans and leases to total assets | 57.0680% | 6,024 |
| Net loans and leases to deposits | 89.0269% | 2,777 |
| Net loans and leases to core deposits | 93.1431% | 5,116 |
| Total domestic deposits to total assets | 64.1020% | 7,763 |
| Equity capital to assets | 11.5974% | 2,508 |
| Core capital (leverage) ratio | 11.4944% | 2,078 |
| Tier 1 risk-based capital ratio | 24.3681% | 965 |
| Total risk-based capital ratio | 25.3457% | 969 |
| Memoranda: | ||
| Average total assets | $109,593,250 | 4,863 |
| Average earning assets | $102,116,250 | 4,820 |
| Average equity | $12,547,000 | 4,650 |
| Average total loans | $64,051,000 | 5,134 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5164% | 4,533 |
| Cost of funding earning assets | 1.1849% | 7,150 |
| Net interest margin | 4.3315% | 1,572 |
| Noninterest income to average assets | 0.1891% | 6,942 |
| Noninterest expense to average assets | 2.5295% | 6,018 |
| Loan and lease loss provision to assets | 0.5360% | 2,888 |
| Net operating income to assets | 0.7636% | 2,996 |
| Return on assets (ROA) | 0.7636% | 3,102 |
| Pretax return on assets | 1.1565% | 2,442 |
| Return on Equity (ROE) | 6.6998% | 3,331 |
| Retained earnings to average equity (ytd only) | 6.6998% | 1,694 |
| Net charge-offs to loans | 0.4155% | 3,136 |
| Credit loss provision to net charge-offs | 219.5489% | 2,095 |
| Earnings coverage of net charge-offs (x) | 6.9323% | 2,529 |
| Efficiency ratio | 59.5217% | 6,616 |
| Assets per employee ($millions) | 3.6980% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 7,089 |
| Loan loss allowance to noncurrent loans | 40.7843% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3845% | 4,191 |
| Noncurrent loans to loans | 2.0093% | 3,506 |
| Net loans and leases to total assets | 56.7284% | 6,120 |
| Net loans and leases to deposits | 91.5498% | 2,560 |
| Net loans and leases to core deposits | 95.2810% | 4,981 |
| Total domestic deposits to total assets | 61.9645% | 7,893 |
| Equity capital to assets | 11.3790% | 2,614 |
| Core capital (leverage) ratio | 11.0690% | 2,353 |
| Tier 1 risk-based capital ratio | 23.0343% | 1,126 |
| Total risk-based capital ratio | 23.9876% | 1,133 |
| Memoranda: | ||
| Average total assets | $108,952,330 | 4,911 |
| Average earning assets | $101,443,000 | 4,861 |
| Average equity | $12,418,330 | 4,702 |
| Average total loans | $64,016,670 | 5,175 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 4,398 |
| Cost of funding earning assets | 1.2980% | 7,015 |
| Net interest margin | 4.2960% | 1,617 |
| Noninterest income to average assets | 0.1853% | 6,969 |
| Noninterest expense to average assets | 2.6492% | 5,223 |
| Loan and lease loss provision to assets | 0.4039% | 2,903 |
| Net operating income to assets | 0.7596% | 3,300 |
| Return on assets (ROA) | 0.7596% | 3,476 |
| Pretax return on assets | 1.1301% | 2,872 |
| Return on Equity (ROE) | 6.6583% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.6583% | 2,343 |
| Net charge-offs to loans | 0.6594% | 1,864 |
| Credit loss provision to net charge-offs | 102.8302% | 3,650 |
| Earnings coverage of net charge-offs (x) | 3.9057% | 3,031 |
| Efficiency ratio | 62.8875% | 5,895 |
| Assets per employee ($millions) | 3.0608% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5721% | 7,717 |
| Loan loss allowance to noncurrent loans | 27.0632% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 1.7615% | 3,283 |
| Noncurrent loans to loans | 2.1141% | 3,096 |
| Net loans and leases to total assets | 57.4082% | 6,035 |
| Net loans and leases to deposits | 90.0148% | 2,926 |
| Net loans and leases to core deposits | 93.8865% | 5,165 |
| Total domestic deposits to total assets | 63.7765% | 7,854 |
| Equity capital to assets | 11.2834% | 2,738 |
| Core capital (leverage) ratio | 11.2623% | 2,298 |
| Tier 1 risk-based capital ratio | 22.8513% | 1,209 |
| Total risk-based capital ratio | 23.5248% | 1,234 |
| Memoranda: | ||
| Average total assets | $107,958,000 | 4,955 |
| Average earning assets | $100,465,000 | 4,906 |
| Average equity | $12,315,500 | 4,747 |
| Average total loans | $64,297,500 | 5,190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2621% | 4,173 |
| Cost of funding earning assets | 2.0910% | 6,094 |
| Net interest margin | 4.1711% | 2,433 |
| Noninterest income to average assets | 0.2214% | 6,858 |
| Noninterest expense to average assets | 2.6114% | 5,607 |
| Loan and lease loss provision to assets | 0.3349% | 3,707 |
| Net operating income to assets | 0.7110% | 3,842 |
| Return on assets (ROA) | 0.7110% | 3,674 |
| Pretax return on assets | 1.1209% | 2,954 |
| Return on Equity (ROE) | 6.5494% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.5494% | 1,320 |
| Net charge-offs to loans | 0.4403% | 2,630 |
| Credit loss provision to net charge-offs | 123.2323% | 4,357 |
| Earnings coverage of net charge-offs (x) | 5.3569% | 3,674 |
| Efficiency ratio | 63.8020% | 5,605 |
| Assets per employee ($millions) | 2.7823% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 7,757 |
| Loan loss allowance to noncurrent loans | 25.9526% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6807% | 2,893 |
| Noncurrent loans to loans | 2.1409% | 2,579 |
| Net loans and leases to total assets | 61.1125% | 5,753 |
| Net loans and leases to deposits | 93.7752% | 2,806 |
| Net loans and leases to core deposits | 97.5158% | 5,095 |
| Total domestic deposits to total assets | 65.1691% | 7,709 |
| Equity capital to assets | 11.5372% | 2,614 |
| Core capital (leverage) ratio | 11.4669% | 2,275 |
| Tier 1 risk-based capital ratio | 22.2352% | 1,290 |
| Total risk-based capital ratio | 22.8964% | 1,326 |
| Memoranda: | ||
| Average total assets | $109,288,200 | 4,802 |
| Average earning assets | $100,765,000 | 4,785 |
| Average equity | $11,863,600 | 4,866 |
| Average total loans | $67,451,800 | 4,965 |