Home > Woodlands National Bank > Performance and Condition Ratios
Woodlands National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 3,547 |
| Cost of funding earning assets | 1.0152% | 3,259 |
| Net interest margin | 3.2258% | 2,809 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.2836% | 2,890 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9286% | 2,456 |
| Return on assets (ROA) | 0.8442% | 2,699 |
| Pretax return on assets | 1.1229% | 2,339 |
| Return on Equity (ROE) | 13.2100% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.5611% | 1,680 |
| Net charge-offs to loans | 0.1291% | 762 |
| Credit loss provision to net charge-offs | 74.8663% | 2,054 |
| Earnings coverage of net charge-offs (x) | 22.6043% | 1,811 |
| Efficiency ratio | 64.2295% | 2,581 |
| Assets per employee ($millions) | 7.1257% | 1,990 |
| Cash dividends to net income (ytd only)* | 42.7655% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 639 |
| Loan loss allowance to noncurrent loans | 138.1679% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 703 |
| Noncurrent loans to loans | 1.2402% | 569 |
| Net loans and leases to total assets | 41.1700% | 3,993 |
| Net loans and leases to deposits | 44.7669% | 4,080 |
| Net loans and leases to core deposits | 53.5628% | 3,987 |
| Total domestic deposits to total assets | 91.9700% | 313 |
| Equity capital to assets | 7.4195% | 3,758 |
| Core capital (leverage) ratio | 9.9941% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1080% | 599 |
| Memoranda: | ||
| Average total assets | $332,367,600 | 2,262 |
| Average earning assets | $309,007,000 | 2,251 |
| Average equity | $21,240,400 | 2,755 |
| Average total loans | $144,802,200 | 2,716 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 3,471 |
| Cost of funding earning assets | 0.9753% | 3,106 |
| Net interest margin | 3.2214% | 2,866 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.2331% | 2,982 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9756% | 2,432 |
| Return on assets (ROA) | 0.8635% | 2,801 |
| Pretax return on assets | 1.1442% | 2,446 |
| Return on Equity (ROE) | 14.0700% | 1,636 |
| Retained earnings to average equity (ytd only) | 8.2067% | 1,887 |
| Net charge-offs to loans | 0.1254% | 646 |
| Credit loss provision to net charge-offs | 93.4783% | 1,675 |
| Earnings coverage of net charge-offs (x) | 24.2464% | 1,716 |
| Efficiency ratio | 62.5392% | 2,657 |
| Assets per employee ($millions) | 6.4924% | 2,333 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 738 |
| Loan loss allowance to noncurrent loans | 566.2736% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,614 |
| Noncurrent loans to loans | 0.2961% | 2,178 |
| Net loans and leases to total assets | 44.2600% | 3,906 |
| Net loans and leases to deposits | 47.3815% | 4,026 |
| Net loans and leases to core deposits | 53.9657% | 3,930 |
| Total domestic deposits to total assets | 93.4200% | 251 |
| Equity capital to assets | 5.9410% | 4,009 |
| Core capital (leverage) ratio | 9.8269% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8042% | 721 |
| Memoranda: | ||
| Average total assets | $333,513,500 | 2,253 |
| Average earning assets | $310,040,500 | 2,247 |
| Average equity | $20,470,500 | 2,806 |
| Average total loans | $146,674,250 | 2,709 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,484 |
| Cost of funding earning assets | 0.9146% | 2,884 |
| Net interest margin | 3.1867% | 3,025 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.2112% | 3,040 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9499% | 2,589 |
| Return on assets (ROA) | 0.7843% | 3,142 |
| Pretax return on assets | 1.1534% | 2,496 |
| Return on Equity (ROE) | 12.6500% | 1,976 |
| Retained earnings to average equity (ytd only) | 6.9353% | 2,303 |
| Net charge-offs to loans | 0.2043% | 392 |
| Credit loss provision to net charge-offs | 23.1788% | 1,761 |
| Earnings coverage of net charge-offs (x) | 15.4636% | 1,853 |
| Efficiency ratio | 61.5891% | 2,763 |
| Assets per employee ($millions) | 6.3303% | 2,447 |
| Cash dividends to net income (ytd only)* | 45.1807% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,014 |
| Loan loss allowance to noncurrent loans | 350.7645% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 1,296 |
| Noncurrent loans to loans | 0.4447% | 1,609 |
| Net loans and leases to total assets | 43.9800% | 3,876 |
| Net loans and leases to deposits | 47.3779% | 4,008 |
| Net loans and leases to core deposits | 54.4532% | 3,875 |
| Total domestic deposits to total assets | 92.8300% | 279 |
| Equity capital to assets | 6.5382% | 3,985 |
| Core capital (leverage) ratio | 9.4923% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4413% | 767 |
| Memoranda: | ||
| Average total assets | $338,642,667 | 2,245 |
| Average earning assets | $316,000,000 | 2,233 |
| Average equity | $20,994,000 | 2,774 |
| Average total loans | $147,826,333 | 2,696 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 3,635 |
| Cost of funding earning assets | 0.8192% | 2,660 |
| Net interest margin | 3.0996% | 3,347 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.1363% | 3,284 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0133% | 2,490 |
| Return on assets (ROA) | 0.8375% | 3,018 |
| Pretax return on assets | 1.2033% | 2,417 |
| Return on Equity (ROE) | 13.8700% | 1,804 |
| Retained earnings to average equity (ytd only) | 8.0849% | 2,194 |
| Net charge-offs to loans | 0.0945% | 613 |
| Credit loss provision to net charge-offs | 74.2857% | 1,232 |
| Earnings coverage of net charge-offs (x) | 35.7143% | 1,231 |
| Efficiency ratio | 59.4682% | 3,024 |
| Assets per employee ($millions) | 7.1510% | 1,852 |
| Cash dividends to net income (ytd only)* | 41.7246% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,001 |
| Loan loss allowance to noncurrent loans | 252.0376% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 1,776 |
| Noncurrent loans to loans | 0.6353% | 1,182 |
| Net loans and leases to total assets | 42.3000% | 3,939 |
| Net loans and leases to deposits | 45.3916% | 4,057 |
| Net loans and leases to core deposits | 54.6470% | 3,807 |
| Total domestic deposits to total assets | 93.1900% | 276 |
| Equity capital to assets | 6.2029% | 4,137 |
| Core capital (leverage) ratio | 9.2530% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1642% | 823 |
| Memoranda: | ||
| Average total assets | $343,402,000 | 2,262 |
| Average earning assets | $320,300,000 | 2,253 |
| Average equity | $20,730,000 | 2,822 |
| Average total loans | $148,204,000 | 2,716 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 3,362 |
| Cost of funding earning assets | 0.3675% | 2,351 |
| Net interest margin | 3.0252% | 3,379 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.0426% | 3,461 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9535% | 2,754 |
| Return on assets (ROA) | 0.9238% | 2,813 |
| Pretax return on assets | 1.2420% | 2,304 |
| Return on Equity (ROE) | 13.7600% | 1,583 |
| Retained earnings to average equity (ytd only) | 8.6528% | 1,582 |
| Net charge-offs to loans | -0.0329% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.4174% | 2,996 |
| Assets per employee ($millions) | 6.8654% | 2,071 |
| Cash dividends to net income (ytd only)* | 37.1058% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 872 |
| Loan loss allowance to noncurrent loans | 3,172.3684% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 2,267 |
| Noncurrent loans to loans | 0.0521% | 3,383 |
| Net loans and leases to total assets | 42.6200% | 3,950 |
| Net loans and leases to deposits | 45.5318% | 4,066 |
| Net loans and leases to core deposits | 53.4805% | 3,833 |
| Total domestic deposits to total assets | 93.6000% | 289 |
| Equity capital to assets | 5.8635% | 4,142 |
| Core capital (leverage) ratio | 8.7273% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8527% | 846 |
| Memoranda: | ||
| Average total assets | $350,090,000 | 2,228 |
| Average earning assets | $327,576,600 | 2,209 |
| Average equity | $23,506,800 | 2,673 |
| Average total loans | $142,653,600 | 2,700 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 3,462 |
| Cost of funding earning assets | 0.1857% | 3,108 |
| Net interest margin | 2.8500% | 3,287 |
| Noninterest income to average assets | 0.5171% | 2,101 |
| Noninterest expense to average assets | 2.0172% | 3,387 |
| Loan and lease loss provision to assets | 0.0371% | 1,921 |
| Net operating income to assets | 0.8508% | 2,772 |
| Return on assets (ROA) | 0.8499% | 2,755 |
| Pretax return on assets | 1.1427% | 2,265 |
| Return on Equity (ROE) | 11.0565% | 1,962 |
| Retained earnings to average equity (ytd only) | 6.6012% | 2,132 |
| Net charge-offs to loans | -0.1064% | 4,459 |
| Credit loss provision to net charge-offs | -85.5263% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0734% | 2,906 |
| Assets per employee ($millions) | 7.4979% | 1,608 |
| Cash dividends to net income (ytd only)* | 40.2955% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 991 |
| Loan loss allowance to noncurrent loans | 1,090.1869% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 2,689 |
| Noncurrent loans to loans | 0.1542% | 2,921 |
| Net loans and leases to total assets | 37.9208% | 4,170 |
| Net loans and leases to deposits | 40.5696% | 4,248 |
| Net loans and leases to core deposits | 46.7238% | 4,093 |
| Total domestic deposits to total assets | 93.4712% | 399 |
| Equity capital to assets | 6.0904% | 4,180 |
| Core capital (leverage) ratio | 8.7237% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4785% | 922 |
| Memoranda: | ||
| Average total assets | $350,384,000 | 2,249 |
| Average earning assets | $329,610,000 | 2,231 |
| Average equity | $26,934,333 | 2,587 |
| Average total loans | $142,901,000 | 2,723 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9853% | 3,298 |
| Cost of funding earning assets | 0.1595% | 3,379 |
| Net interest margin | 2.8258% | 3,058 |
| Noninterest income to average assets | 0.5439% | 1,934 |
| Noninterest expense to average assets | 2.0982% | 3,146 |
| Loan and lease loss provision to assets | 0.0752% | 1,094 |
| Net operating income to assets | 0.7747% | 2,747 |
| Return on assets (ROA) | 0.7719% | 2,753 |
| Pretax return on assets | 1.0323% | 2,344 |
| Return on Equity (ROE) | 9.0619% | 2,299 |
| Retained earnings to average equity (ytd only) | 4.9861% | 2,600 |
| Net charge-offs to loans | -0.0028% | 3,166 |
| Credit loss provision to net charge-offs | -6,500.0000% | 3,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3805% | 2,850 |
| Assets per employee ($millions) | 6.8058% | 2,140 |
| Cash dividends to net income (ytd only)* | 44.9775% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,333 |
| Loan loss allowance to noncurrent loans | 456.1616% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 2,776 |
| Noncurrent loans to loans | 0.3456% | 2,247 |
| Net loans and leases to total assets | 41.4323% | 3,922 |
| Net loans and leases to deposits | 45.0636% | 4,017 |
| Net loans and leases to core deposits | 52.4913% | 3,696 |
| Total domestic deposits to total assets | 91.9418% | 597 |
| Equity capital to assets | 7.6165% | 3,843 |
| Core capital (leverage) ratio | 9.0843% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3362% | 851 |
| Memoranda: | ||
| Average total assets | $345,627,500 | 2,272 |
| Average earning assets | $325,998,000 | 2,258 |
| Average equity | $29,442,000 | 2,517 |
| Average total loans | $144,947,000 | 2,689 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 2,811 |
| Cost of funding earning assets | 0.1685% | 3,787 |
| Net interest margin | 3.2779% | 2,372 |
| Noninterest income to average assets | 0.6323% | 2,015 |
| Noninterest expense to average assets | 2.0146% | 3,636 |
| Loan and lease loss provision to assets | -0.0664% | 4,426 |
| Net operating income to assets | 1.3285% | 1,524 |
| Return on assets (ROA) | 1.3325% | 1,544 |
| Pretax return on assets | 1.8141% | 885 |
| Return on Equity (ROE) | 14.1054% | 1,155 |
| Retained earnings to average equity (ytd only) | 10.9792% | 705 |
| Net charge-offs to loans | -0.0655% | 4,435 |
| Credit loss provision to net charge-offs | 208.3333% | 1,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6194% | 3,969 |
| Assets per employee ($millions) | 6.8817% | 2,005 |
| Cash dividends to net income (ytd only)* | 22.1631% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,579 |
| Loan loss allowance to noncurrent loans | 380.5556% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,793 |
| Noncurrent loans to loans | 0.3928% | 2,184 |
| Net loans and leases to total assets | 41.1591% | 4,022 |
| Net loans and leases to deposits | 45.6361% | 4,111 |
| Net loans and leases to core deposits | 54.7056% | 3,710 |
| Total domestic deposits to total assets | 90.1900% | 872 |
| Equity capital to assets | 9.3929% | 3,235 |
| Core capital (leverage) ratio | 8.4893% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2936% | 720 |
| Memoranda: | ||
| Average total assets | $338,621,800 | 2,251 |
| Average earning assets | $322,827,400 | 2,217 |
| Average equity | $31,987,800 | 2,424 |
| Average total loans | $164,878,600 | 2,512 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5558% | 2,679 |
| Cost of funding earning assets | 0.1739% | 3,886 |
| Net interest margin | 3.3819% | 2,205 |
| Noninterest income to average assets | 0.6477% | 2,022 |
| Noninterest expense to average assets | 2.0047% | 3,658 |
| Loan and lease loss provision to assets | -0.1073% | 4,620 |
| Net operating income to assets | 1.4522% | 1,388 |
| Return on assets (ROA) | 1.4575% | 1,429 |
| Pretax return on assets | 1.9872% | 817 |
| Return on Equity (ROE) | 15.4066% | 1,061 |
| Retained earnings to average equity (ytd only) | 12.2564% | 785 |
| Net charge-offs to loans | -0.0795% | 4,532 |
| Credit loss provision to net charge-offs | 267.3267% | 1,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6959% | 4,050 |
| Assets per employee ($millions) | 7.8776% | 1,323 |
| Cash dividends to net income (ytd only)* | 20.4471% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,978 |
| Loan loss allowance to noncurrent loans | 581.5217% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 3,438 |
| Noncurrent loans to loans | 0.2426% | 2,964 |
| Net loans and leases to total assets | 40.3861% | 4,188 |
| Net loans and leases to deposits | 44.5590% | 4,294 |
| Net loans and leases to core deposits | 52.7763% | 3,997 |
| Total domestic deposits to total assets | 90.6350% | 490 |
| Equity capital to assets | 8.9237% | 3,903 |
| Core capital (leverage) ratio | 8.2474% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1286% | 682 |
| Memoranda: | ||
| Average total assets | $335,535,500 | 2,286 |
| Average earning assets | $320,482,750 | 2,251 |
| Average equity | $31,743,250 | 2,469 |
| Average total loans | $169,436,500 | 2,504 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 3,170 |
| Cost of funding earning assets | 0.1816% | 3,933 |
| Net interest margin | 3.2237% | 2,686 |
| Noninterest income to average assets | 0.6822% | 1,883 |
| Noninterest expense to average assets | 2.0379% | 3,586 |
| Loan and lease loss provision to assets | 0.0648% | 1,745 |
| Net operating income to assets | 1.2223% | 2,103 |
| Return on assets (ROA) | 1.2242% | 2,169 |
| Pretax return on assets | 1.6607% | 1,587 |
| Return on Equity (ROE) | 12.6665% | 1,831 |
| Retained earnings to average equity (ytd only) | 9.4727% | 1,561 |
| Net charge-offs to loans | -0.0992% | 4,626 |
| Credit loss provision to net charge-offs | -120.6897% | 3,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1858% | 3,775 |
| Assets per employee ($millions) | 7.5528% | 1,446 |
| Cash dividends to net income (ytd only)* | 25.2143% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 2,061 |
| Loan loss allowance to noncurrent loans | 404.6926% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 2,505 |
| Noncurrent loans to loans | 0.3406% | 2,690 |
| Net loans and leases to total assets | 50.4096% | 3,519 |
| Net loans and leases to deposits | 55.6482% | 3,736 |
| Net loans and leases to core deposits | 67.1456% | 3,025 |
| Total domestic deposits to total assets | 90.5863% | 527 |
| Equity capital to assets | 8.9754% | 3,819 |
| Core capital (leverage) ratio | 8.3944% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3873% | 772 |
| Memoranda: | ||
| Average total assets | $323,964,333 | 2,338 |
| Average earning assets | $309,398,000 | 2,288 |
| Average equity | $31,311,000 | 2,479 |
| Average total loans | $175,359,000 | 2,469 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 2,542 |
| Cost of funding earning assets | 0.1912% | 3,997 |
| Net interest margin | 3.4395% | 1,993 |
| Noninterest income to average assets | 0.7171% | 1,816 |
| Noninterest expense to average assets | 2.0749% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4135% | 1,536 |
| Return on assets (ROA) | 1.4135% | 1,608 |
| Pretax return on assets | 1.9309% | 1,065 |
| Return on Equity (ROE) | 14.0482% | 1,423 |
| Retained earnings to average equity (ytd only) | 10.8261% | 1,439 |
| Net charge-offs to loans | -0.1393% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7967% | 4,014 |
| Assets per employee ($millions) | 6.5465% | 2,140 |
| Cash dividends to net income (ytd only)* | 22.9358% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,030 |
| Loan loss allowance to noncurrent loans | 384.5779% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 2,457 |
| Noncurrent loans to loans | 0.3601% | 2,793 |
| Net loans and leases to total assets | 52.5938% | 3,384 |
| Net loans and leases to deposits | 58.5656% | 3,594 |
| Net loans and leases to core deposits | 65.7498% | 3,265 |
| Total domestic deposits to total assets | 89.8033% | 913 |
| Equity capital to assets | 9.6612% | 3,044 |
| Core capital (leverage) ratio | 9.1141% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8163% | 695 |
| Memoranda: | ||
| Average total assets | $308,455,500 | 2,398 |
| Average earning assets | $294,922,500 | 2,364 |
| Average equity | $31,036,000 | 2,484 |
| Average total loans | $172,315,500 | 2,496 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 3,716 |
| Cost of funding earning assets | 0.3453% | 3,891 |
| Net interest margin | 3.2959% | 3,074 |
| Noninterest income to average assets | 0.8418% | 1,412 |
| Noninterest expense to average assets | 2.3204% | 3,352 |
| Loan and lease loss provision to assets | 0.3339% | 1,062 |
| Net operating income to assets | 0.9828% | 2,352 |
| Return on assets (ROA) | 1.0248% | 2,341 |
| Pretax return on assets | 1.3671% | 1,764 |
| Return on Equity (ROE) | 9.3811% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.3043% | 1,279 |
| Net charge-offs to loans | 0.1674% | 991 |
| Credit loss provision to net charge-offs | 346.7433% | 1,590 |
| Earnings coverage of net charge-offs (x) | 17.1149% | 2,095 |
| Efficiency ratio | 58.4457% | 3,661 |
| Assets per employee ($millions) | 6.1694% | 2,195 |
| Cash dividends to net income (ytd only)* | 22.1382% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,270 |
| Loan loss allowance to noncurrent loans | 1,470.7006% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 3,064 |
| Noncurrent loans to loans | 0.0905% | 3,928 |
| Net loans and leases to total assets | 57.8266% | 3,104 |
| Net loans and leases to deposits | 65.0686% | 3,351 |
| Net loans and leases to core deposits | 74.5021% | 2,863 |
| Total domestic deposits to total assets | 88.8702% | 1,041 |
| Equity capital to assets | 10.4957% | 2,676 |
| Core capital (leverage) ratio | 9.3262% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8587% | 789 |
| Memoranda: | ||
| Average total assets | $271,078,200 | 2,458 |
| Average earning assets | $257,139,000 | 2,424 |
| Average equity | $29,612,600 | 2,491 |
| Average total loans | $155,922,800 | 2,605 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 3,897 |
| Cost of funding earning assets | 0.3904% | 3,860 |
| Net interest margin | 3.2688% | 3,283 |
| Noninterest income to average assets | 0.8947% | 1,238 |
| Noninterest expense to average assets | 2.3382% | 3,316 |
| Loan and lease loss provision to assets | 0.3123% | 1,280 |
| Net operating income to assets | 0.9985% | 2,345 |
| Return on assets (ROA) | 1.0558% | 2,257 |
| Pretax return on assets | 1.4113% | 1,693 |
| Return on Equity (ROE) | 9.5602% | 2,183 |
| Retained earnings to average equity (ytd only) | 7.8050% | 1,368 |
| Net charge-offs to loans | 0.1848% | 810 |
| Credit loss provision to net charge-offs | 295.2381% | 1,777 |
| Earnings coverage of net charge-offs (x) | 15.6143% | 2,092 |
| Efficiency ratio | 58.5889% | 3,585 |
| Assets per employee ($millions) | 6.1829% | 2,105 |
| Cash dividends to net income (ytd only)* | 18.3596% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,762 |
| Loan loss allowance to noncurrent loans | 751.4493% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 3,079 |
| Noncurrent loans to loans | 0.1574% | 3,754 |
| Net loans and leases to total assets | 57.1906% | 3,503 |
| Net loans and leases to deposits | 64.0868% | 3,791 |
| Net loans and leases to core deposits | 72.5552% | 3,427 |
| Total domestic deposits to total assets | 89.2393% | 671 |
| Equity capital to assets | 10.0946% | 3,154 |
| Core capital (leverage) ratio | 9.1967% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7028% | 817 |
| Memoranda: | ||
| Average total assets | $264,814,750 | 2,474 |
| Average earning assets | $250,685,000 | 2,443 |
| Average equity | $29,245,500 | 2,515 |
| Average total loans | $151,515,500 | 2,655 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 1,058 |
| Cost of funding earning assets | 0.4318% | 3,886 |
| Net interest margin | 4.4166% | 598 |
| Noninterest income to average assets | 0.9260% | 1,109 |
| Noninterest expense to average assets | 2.4270% | 3,185 |
| Loan and lease loss provision to assets | 0.4872% | 749 |
| Net operating income to assets | 1.5987% | 764 |
| Return on assets (ROA) | 1.6888% | 688 |
| Pretax return on assets | 2.2987% | 304 |
| Return on Equity (ROE) | 14.6462% | 765 |
| Retained earnings to average equity (ytd only) | 13.3753% | 318 |
| Net charge-offs to loans | 0.2944% | 541 |
| Credit loss provision to net charge-offs | 290.0943% | 1,648 |
| Earnings coverage of net charge-offs (x) | 15.9104% | 1,884 |
| Efficiency ratio | 47.5843% | 4,653 |
| Assets per employee ($millions) | 6.7864% | 1,568 |
| Cash dividends to net income (ytd only)* | 8.6773% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,592 |
| Loan loss allowance to noncurrent loans | 749.2754% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 3,292 |
| Noncurrent loans to loans | 0.1581% | 3,828 |
| Net loans and leases to total assets | 52.9701% | 3,958 |
| Net loans and leases to deposits | 63.2278% | 3,942 |
| Net loans and leases to core deposits | 77.5138% | 3,151 |
| Total domestic deposits to total assets | 83.7766% | 2,824 |
| Equity capital to assets | 9.4466% | 3,707 |
| Core capital (leverage) ratio | 10.9176% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1576% | 755 |
| Memoranda: | ||
| Average total assets | $252,487,667 | 2,530 |
| Average earning assets | $238,553,333 | 2,500 |
| Average equity | $29,113,333 | 2,515 |
| Average total loans | $144,014,000 | 2,709 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 2,862 |
| Cost of funding earning assets | 0.6035% | 3,414 |
| Net interest margin | 3.7157% | 2,276 |
| Noninterest income to average assets | 1.2341% | 579 |
| Noninterest expense to average assets | 2.8241% | 2,361 |
| Loan and lease loss provision to assets | 1.0470% | 200 |
| Net operating income to assets | 0.6305% | 3,514 |
| Return on assets (ROA) | 0.8413% | 2,837 |
| Pretax return on assets | 1.1100% | 2,481 |
| Return on Equity (ROE) | 6.4206% | 3,161 |
| Retained earnings to average equity (ytd only) | 3.8043% | 2,752 |
| Net charge-offs to loans | 0.0249% | 1,868 |
| Credit loss provision to net charge-offs | 7,062.5000% | 105 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 486 |
| Efficiency ratio | 59.8664% | 3,755 |
| Assets per employee ($millions) | 4.4755% | 3,293 |
| Cash dividends to net income (ytd only)* | 40.7489% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 890 |
| Loan loss allowance to noncurrent loans | 1,621.8978% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,201 |
| Noncurrent loans to loans | 0.1043% | 4,094 |
| Net loans and leases to total assets | 57.6888% | 3,697 |
| Net loans and leases to deposits | 66.7501% | 3,811 |
| Net loans and leases to core deposits | 73.3761% | 3,679 |
| Total domestic deposits to total assets | 86.4251% | 1,814 |
| Equity capital to assets | 12.7754% | 1,564 |
| Core capital (leverage) ratio | 12.2852% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9760% | 869 |
| Memoranda: | ||
| Average total assets | $215,858,500 | 2,740 |
| Average earning assets | $202,166,500 | 2,729 |
| Average equity | $28,284,000 | 2,555 |
| Average total loans | $128,713,000 | 2,852 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 2,346 |
| Cost of funding earning assets | 0.6935% | 3,191 |
| Net interest margin | 4.0010% | 1,857 |
| Noninterest income to average assets | 0.9475% | 1,076 |
| Noninterest expense to average assets | 2.9323% | 2,201 |
| Loan and lease loss provision to assets | 0.1170% | 1,809 |
| Net operating income to assets | 1.2234% | 1,970 |
| Return on assets (ROA) | 1.2202% | 2,072 |
| Pretax return on assets | 1.6328% | 1,390 |
| Return on Equity (ROE) | 9.1499% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.8781% | 1,934 |
| Net charge-offs to loans | 0.0728% | 2,057 |
| Credit loss provision to net charge-offs | 265.1685% | 1,045 |
| Earnings coverage of net charge-offs (x) | 39.7416% | 1,320 |
| Efficiency ratio | 62.4802% | 3,294 |
| Assets per employee ($millions) | 4.1589% | 3,684 |
| Cash dividends to net income (ytd only)* | 35.7578% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,836 |
| Loan loss allowance to noncurrent loans | 18,500.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 1,470 |
| Noncurrent loans to loans | 0.0071% | 4,566 |
| Net loans and leases to total assets | 59.8464% | 3,598 |
| Net loans and leases to deposits | 69.7968% | 3,688 |
| Net loans and leases to core deposits | 71.1418% | 3,908 |
| Total domestic deposits to total assets | 85.7438% | 2,166 |
| Equity capital to assets | 13.4555% | 1,296 |
| Core capital (leverage) ratio | 12.4044% | 1,533 |
| Tier 1 risk-based capital ratio | 18.9685% | 1,523 |
| Total risk-based capital ratio | 20.2185% | 1,489 |
| Memoranda: | ||
| Average total assets | $201,683,800 | 2,827 |
| Average earning assets | $188,451,000 | 2,811 |
| Average equity | $26,896,600 | 2,572 |
| Average total loans | $122,318,000 | 2,921 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 2,323 |
| Cost of funding earning assets | 0.6860% | 3,281 |
| Net interest margin | 4.0437% | 1,791 |
| Noninterest income to average assets | 0.9208% | 1,101 |
| Noninterest expense to average assets | 2.8822% | 2,311 |
| Loan and lease loss provision to assets | 0.0906% | 2,091 |
| Net operating income to assets | 1.2893% | 1,895 |
| Return on assets (ROA) | 1.2845% | 1,991 |
| Pretax return on assets | 1.7203% | 1,286 |
| Return on Equity (ROE) | 9.6546% | 2,596 |
| Retained earnings to average equity (ytd only) | 6.6000% | 2,059 |
| Net charge-offs to loans | 0.0626% | 1,926 |
| Credit loss provision to net charge-offs | 238.5965% | 1,133 |
| Earnings coverage of net charge-offs (x) | 47.8409% | 1,228 |
| Efficiency ratio | 61.2364% | 3,447 |
| Assets per employee ($millions) | 4.2066% | 3,606 |
| Cash dividends to net income (ytd only)* | 31.6389% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,126 |
| Loan loss allowance to noncurrent loans | 572.4014% | 878 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 973 |
| Noncurrent loans to loans | 0.2217% | 3,750 |
| Net loans and leases to total assets | 60.2784% | 3,655 |
| Net loans and leases to deposits | 70.2615% | 3,755 |
| Net loans and leases to core deposits | 94.8349% | 2,096 |
| Total domestic deposits to total assets | 85.7914% | 2,087 |
| Equity capital to assets | 13.4391% | 1,386 |
| Core capital (leverage) ratio | 11.9258% | 1,903 |
| Tier 1 risk-based capital ratio | 15.8568% | 2,493 |
| Total risk-based capital ratio | 16.8740% | 2,528 |
| Memoranda: | ||
| Average total assets | $200,118,750 | 2,861 |
| Average earning assets | $186,985,500 | 2,846 |
| Average equity | $26,625,750 | 2,601 |
| Average total loans | $121,369,500 | 2,964 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 2,488 |
| Cost of funding earning assets | 0.6432% | 3,445 |
| Net interest margin | 4.0153% | 1,876 |
| Noninterest income to average assets | 0.8571% | 1,186 |
| Noninterest expense to average assets | 2.9376% | 2,173 |
| Loan and lease loss provision to assets | 0.1221% | 1,531 |
| Net operating income to assets | 1.1701% | 2,258 |
| Return on assets (ROA) | 1.1629% | 2,356 |
| Pretax return on assets | 1.5506% | 1,698 |
| Return on Equity (ROE) | 8.7714% | 2,946 |
| Retained earnings to average equity (ytd only) | 5.7638% | 2,392 |
| Net charge-offs to loans | 0.0501% | 1,932 |
| Credit loss provision to net charge-offs | 403.3333% | 709 |
| Earnings coverage of net charge-offs (x) | 55.5333% | 1,030 |
| Efficiency ratio | 63.5052% | 3,215 |
| Assets per employee ($millions) | 4.2939% | 3,441 |
| Cash dividends to net income (ytd only)* | 34.2882% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,040 |
| Loan loss allowance to noncurrent loans | 133.0852% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2524% | 1,045 |
| Noncurrent loans to loans | 0.9727% | 1,684 |
| Net loans and leases to total assets | 58.3089% | 3,884 |
| Net loans and leases to deposits | 67.4070% | 4,001 |
| Net loans and leases to core deposits | 91.5865% | 2,452 |
| Total domestic deposits to total assets | 86.5029% | 1,820 |
| Equity capital to assets | 12.8446% | 1,666 |
| Core capital (leverage) ratio | 11.9782% | 1,844 |
| Tier 1 risk-based capital ratio | 18.5346% | 1,657 |
| Total risk-based capital ratio | 19.7602% | 1,628 |
| Memoranda: | ||
| Average total assets | $198,117,670 | 2,886 |
| Average earning assets | $185,638,000 | 2,867 |
| Average equity | $26,267,330 | 2,618 |
| Average total loans | $119,878,000 | 2,992 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 2,126 |
| Cost of funding earning assets | 0.5471% | 3,834 |
| Net interest margin | 4.1810% | 1,345 |
| Noninterest income to average assets | 0.6376% | 1,874 |
| Noninterest expense to average assets | 2.9504% | 2,134 |
| Loan and lease loss provision to assets | 0.1271% | 1,378 |
| Net operating income to assets | 1.1168% | 2,403 |
| Return on assets (ROA) | 1.1168% | 2,453 |
| Pretax return on assets | 1.4773% | 1,845 |
| Return on Equity (ROE) | 8.2817% | 3,126 |
| Retained earnings to average equity (ytd only) | 8.2817% | 1,558 |
| Net charge-offs to loans | 0.0068% | 2,449 |
| Credit loss provision to net charge-offs | 3,050.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 385.0000% | 201 |
| Efficiency ratio | 64.6844% | 3,134 |
| Assets per employee ($millions) | 3.8572% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,994 |
| Loan loss allowance to noncurrent loans | 67.1350% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2773% | 1,034 |
| Noncurrent loans to loans | 1.9679% | 755 |
| Net loans and leases to total assets | 58.7250% | 3,811 |
| Net loans and leases to deposits | 68.9672% | 3,843 |
| Net loans and leases to core deposits | 89.2914% | 2,577 |
| Total domestic deposits to total assets | 85.1491% | 2,624 |
| Equity capital to assets | 13.1812% | 1,356 |
| Core capital (leverage) ratio | 12.9784% | 1,284 |
| Tier 1 risk-based capital ratio | 19.1705% | 1,508 |
| Total risk-based capital ratio | 20.4205% | 1,482 |
| Memoranda: | ||
| Average total assets | $191,976,500 | 2,978 |
| Average earning assets | $179,859,500 | 2,952 |
| Average equity | $25,888,500 | 2,651 |
| Average total loans | $117,671,500 | 3,049 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 2,245 |
| Cost of funding earning assets | 0.3629% | 4,202 |
| Net interest margin | 4.2029% | 1,385 |
| Noninterest income to average assets | 0.8180% | 1,401 |
| Noninterest expense to average assets | 2.9767% | 2,108 |
| Loan and lease loss provision to assets | 0.1005% | 2,176 |
| Net operating income to assets | 1.2143% | 2,110 |
| Return on assets (ROA) | 1.2026% | 2,153 |
| Pretax return on assets | 1.6174% | 1,413 |
| Return on Equity (ROE) | 9.2566% | 2,854 |
| Retained earnings to average equity (ytd only) | 6.4263% | 1,965 |
| Net charge-offs to loans | 0.1486% | 1,289 |
| Credit loss provision to net charge-offs | 111.7647% | 2,313 |
| Earnings coverage of net charge-offs (x) | 19.2647% | 2,075 |
| Efficiency ratio | 63.0491% | 3,334 |
| Assets per employee ($millions) | 3.8204% | 4,148 |
| Cash dividends to net income (ytd only)* | 30.5763% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 1,995 |
| Loan loss allowance to noncurrent loans | 68.7189% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 715 |
| Noncurrent loans to loans | 1.9047% | 723 |
| Net loans and leases to total assets | 62.4177% | 3,527 |
| Net loans and leases to deposits | 73.5733% | 3,538 |
| Net loans and leases to core deposits | 97.6630% | 1,890 |
| Total domestic deposits to total assets | 84.8374% | 2,714 |
| Equity capital to assets | 13.8178% | 1,025 |
| Core capital (leverage) ratio | 11.9914% | 1,737 |
| Tier 1 risk-based capital ratio | 19.7591% | 1,347 |
| Total risk-based capital ratio | 21.0090% | 1,317 |
| Memoranda: | ||
| Average total assets | $189,001,400 | 2,969 |
| Average earning assets | $174,997,400 | 2,978 |
| Average equity | $24,555,400 | 2,673 |
| Average total loans | $114,399,800 | 3,072 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 2,539 |
| Cost of funding earning assets | 0.3286% | 4,314 |
| Net interest margin | 4.0987% | 1,634 |
| Noninterest income to average assets | 0.7983% | 1,480 |
| Noninterest expense to average assets | 2.9410% | 2,190 |
| Loan and lease loss provision to assets | 0.0630% | 2,716 |
| Net operating income to assets | 1.1807% | 2,316 |
| Return on assets (ROA) | 1.1652% | 2,396 |
| Pretax return on assets | 1.5650% | 1,688 |
| Return on Equity (ROE) | 9.1078% | 3,038 |
| Retained earnings to average equity (ytd only) | 6.6174% | 2,325 |
| Net charge-offs to loans | 0.1485% | 1,109 |
| Credit loss provision to net charge-offs | 70.8661% | 2,629 |
| Earnings coverage of net charge-offs (x) | 18.5274% | 2,047 |
| Efficiency ratio | 63.9402% | 3,198 |
| Assets per employee ($millions) | 4.1576% | 3,643 |
| Cash dividends to net income (ytd only)* | 27.3437% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,397 |
| Loan loss allowance to noncurrent loans | 97.3965% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 1,726 |
| Noncurrent loans to loans | 1.2755% | 1,324 |
| Net loans and leases to total assets | 58.1171% | 4,027 |
| Net loans and leases to deposits | 67.2636% | 4,107 |
| Net loans and leases to core deposits | 88.8288% | 2,762 |
| Total domestic deposits to total assets | 86.4020% | 2,014 |
| Equity capital to assets | 12.4390% | 1,631 |
| Core capital (leverage) ratio | 12.1429% | 1,700 |
| Tier 1 risk-based capital ratio | 19.3320% | 1,464 |
| Total risk-based capital ratio | 20.5479% | 1,444 |
| Memoranda: | ||
| Average total assets | $190,407,000 | 2,980 |
| Average earning assets | $176,083,250 | 2,985 |
| Average equity | $24,359,500 | 2,704 |
| Average total loans | $114,005,000 | 3,098 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,552 |
| Cost of funding earning assets | 0.3079% | 4,366 |
| Net interest margin | 4.0501% | 1,699 |
| Noninterest income to average assets | 0.7867% | 1,512 |
| Noninterest expense to average assets | 3.0488% | 1,908 |
| Loan and lease loss provision to assets | 0.0854% | 2,206 |
| Net operating income to assets | 1.0496% | 2,812 |
| Return on assets (ROA) | 1.0387% | 2,860 |
| Pretax return on assets | 1.3877% | 2,193 |
| Return on Equity (ROE) | 8.0398% | 3,489 |
| Retained earnings to average equity (ytd only) | 5.5196% | 2,812 |
| Net charge-offs to loans | 0.2038% | 783 |
| Credit loss provision to net charge-offs | 69.5652% | 2,353 |
| Earnings coverage of net charge-offs (x) | 12.1130% | 2,224 |
| Efficiency ratio | 67.0511% | 2,814 |
| Assets per employee ($millions) | 3.9570% | 3,975 |
| Cash dividends to net income (ytd only)* | 31.3464% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,277 |
| Loan loss allowance to noncurrent loans | 134.9954% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 1,914 |
| Noncurrent loans to loans | 0.9471% | 1,836 |
| Net loans and leases to total assets | 59.4350% | 3,858 |
| Net loans and leases to deposits | 69.1756% | 3,928 |
| Net loans and leases to core deposits | 91.2839% | 2,458 |
| Total domestic deposits to total assets | 85.9190% | 2,321 |
| Equity capital to assets | 12.8637% | 1,365 |
| Core capital (leverage) ratio | 12.3382% | 1,520 |
| Tier 1 risk-based capital ratio | 19.1627% | 1,509 |
| Total risk-based capital ratio | 20.3994% | 1,476 |
| Memoranda: | ||
| Average total assets | $187,354,000 | 3,025 |
| Average earning assets | $173,426,000 | 3,028 |
| Average equity | $24,204,670 | 2,736 |
| Average total loans | $112,859,670 | 3,127 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 2,527 |
| Cost of funding earning assets | 0.2906% | 4,413 |
| Net interest margin | 4.0060% | 1,706 |
| Noninterest income to average assets | 0.8105% | 1,416 |
| Noninterest expense to average assets | 2.8679% | 2,473 |
| Loan and lease loss provision to assets | 0.1075% | 1,739 |
| Net operating income to assets | 1.1554% | 2,192 |
| Return on assets (ROA) | 1.1588% | 2,193 |
| Pretax return on assets | 1.5436% | 1,554 |
| Return on Equity (ROE) | 8.9496% | 2,925 |
| Retained earnings to average equity (ytd only) | 6.9571% | 2,298 |
| Net charge-offs to loans | 0.3818% | 412 |
| Credit loss provision to net charge-offs | 46.7290% | 1,977 |
| Earnings coverage of net charge-offs (x) | 7.1589% | 2,114 |
| Efficiency ratio | 63.3810% | 3,583 |
| Assets per employee ($millions) | 3.7149% | 4,396 |
| Cash dividends to net income (ytd only)* | 22.2635% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,368 |
| Loan loss allowance to noncurrent loans | 110.2525% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 1,850 |
| Noncurrent loans to loans | 1.1562% | 1,570 |
| Net loans and leases to total assets | 58.9058% | 3,857 |
| Net loans and leases to deposits | 68.4492% | 3,916 |
| Net loans and leases to core deposits | 86.6456% | 2,752 |
| Total domestic deposits to total assets | 86.0577% | 2,522 |
| Equity capital to assets | 12.7615% | 1,356 |
| Core capital (leverage) ratio | 12.3632% | 1,451 |
| Tier 1 risk-based capital ratio | 19.0814% | 1,533 |
| Total risk-based capital ratio | 20.3089% | 1,501 |
| Memoranda: | ||
| Average total assets | $186,062,500 | 3,072 |
| Average earning assets | $172,040,500 | 3,073 |
| Average equity | $24,090,500 | 2,766 |
| Average total loans | $112,114,000 | 3,160 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3375% | 2,214 |
| Cost of funding earning assets | 0.2743% | 4,370 |
| Net interest margin | 4.0632% | 1,552 |
| Noninterest income to average assets | 0.9807% | 1,066 |
| Noninterest expense to average assets | 2.9813% | 2,213 |
| Loan and lease loss provision to assets | 0.2095% | 954 |
| Net operating income to assets | 0.9579% | 2,409 |
| Return on assets (ROA) | 0.9664% | 2,416 |
| Pretax return on assets | 1.5678% | 1,395 |
| Return on Equity (ROE) | 7.4369% | 3,065 |
| Retained earnings to average equity (ytd only) | 4.7854% | 2,269 |
| Net charge-offs to loans | 0.3289% | 773 |
| Credit loss provision to net charge-offs | 105.2632% | 2,443 |
| Earnings coverage of net charge-offs (x) | 8.8643% | 2,857 |
| Efficiency ratio | 62.5581% | 3,850 |
| Assets per employee ($millions) | 3.7279% | 4,392 |
| Cash dividends to net income (ytd only)* | 35.6532% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 1,989 |
| Loan loss allowance to noncurrent loans | 464.9068% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,535 |
| Noncurrent loans to loans | 0.2896% | 3,744 |
| Net loans and leases to total assets | 60.0482% | 3,824 |
| Net loans and leases to deposits | 70.1777% | 3,855 |
| Net loans and leases to core deposits | 91.6334% | 2,403 |
| Total domestic deposits to total assets | 85.5659% | 2,627 |
| Equity capital to assets | 13.1404% | 1,198 |
| Core capital (leverage) ratio | 11.6643% | 1,822 |
| Tier 1 risk-based capital ratio | 19.0409% | 1,500 |
| Total risk-based capital ratio | 20.2909% | 1,460 |
| Memoranda: | ||
| Average total assets | $181,396,200 | 3,097 |
| Average earning assets | $168,068,800 | 3,100 |
| Average equity | $23,571,600 | 2,801 |
| Average total loans | $109,767,800 | 3,187 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,220 |
| Cost of funding earning assets | 0.2669% | 4,433 |
| Net interest margin | 4.0499% | 1,542 |
| Noninterest income to average assets | 1.0308% | 961 |
| Noninterest expense to average assets | 2.9725% | 2,186 |
| Loan and lease loss provision to assets | 0.2135% | 884 |
| Net operating income to assets | 1.0188% | 2,479 |
| Return on assets (ROA) | 1.0301% | 2,451 |
| Pretax return on assets | 1.6059% | 1,400 |
| Return on Equity (ROE) | 7.9497% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.5346% | 2,518 |
| Net charge-offs to loans | 0.4009% | 531 |
| Credit loss provision to net charge-offs | 88.1459% | 2,481 |
| Earnings coverage of net charge-offs (x) | 7.4376% | 2,873 |
| Efficiency ratio | 61.9988% | 3,882 |
| Assets per employee ($millions) | 3.8872% | 4,181 |
| Cash dividends to net income (ytd only)* | 30.3787% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 2,227 |
| Loan loss allowance to noncurrent loans | 325.5656% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,628 |
| Noncurrent loans to loans | 0.4075% | 3,478 |
| Net loans and leases to total assets | 56.1865% | 4,221 |
| Net loans and leases to deposits | 65.6667% | 4,277 |
| Net loans and leases to core deposits | 87.2392% | 2,851 |
| Total domestic deposits to total assets | 85.5632% | 2,494 |
| Equity capital to assets | 12.6838% | 1,556 |
| Core capital (leverage) ratio | 11.6578% | 1,914 |
| Tier 1 risk-based capital ratio | 19.5380% | 1,469 |
| Total risk-based capital ratio | 20.7878% | 1,434 |
| Memoranda: | ||
| Average total assets | $181,079,000 | 3,127 |
| Average earning assets | $167,374,250 | 3,135 |
| Average equity | $23,463,750 | 2,835 |
| Average total loans | $109,413,750 | 3,218 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,106 |
| Cost of funding earning assets | 0.2572% | 4,481 |
| Net interest margin | 4.0478% | 1,469 |
| Noninterest income to average assets | 1.0239% | 967 |
| Noninterest expense to average assets | 3.1582% | 1,682 |
| Loan and lease loss provision to assets | 0.1967% | 937 |
| Net operating income to assets | 0.9075% | 2,878 |
| Return on assets (ROA) | 0.9250% | 2,836 |
| Pretax return on assets | 1.4285% | 1,903 |
| Return on Equity (ROE) | 7.0851% | 3,511 |
| Retained earnings to average equity (ytd only) | 4.7176% | 2,904 |
| Net charge-offs to loans | 0.4320% | 467 |
| Credit loss provision to net charge-offs | 73.8397% | 2,335 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,758 |
| Efficiency ratio | 66.1153% | 3,328 |
| Assets per employee ($millions) | 3.6890% | 4,451 |
| Cash dividends to net income (ytd only)* | 33.4143% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,588 |
| Loan loss allowance to noncurrent loans | 63.1861% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 1,204 |
| Noncurrent loans to loans | 2.0053% | 840 |
| Net loans and leases to total assets | 59.8196% | 3,863 |
| Net loans and leases to deposits | 70.1406% | 3,905 |
| Net loans and leases to core deposits | 89.5941% | 2,561 |
| Total domestic deposits to total assets | 85.2853% | 2,702 |
| Equity capital to assets | 12.8790% | 1,431 |
| Core capital (leverage) ratio | 12.4759% | 1,382 |
| Tier 1 risk-based capital ratio | 18.6210% | 1,688 |
| Total risk-based capital ratio | 19.8534% | 1,655 |
| Memoranda: | ||
| Average total assets | $177,948,330 | 3,182 |
| Average earning assets | $164,088,670 | 3,190 |
| Average equity | $23,232,000 | 2,857 |
| Average total loans | $109,732,330 | 3,224 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 1,872 |
| Cost of funding earning assets | 0.2540% | 4,503 |
| Net interest margin | 4.0796% | 1,270 |
| Noninterest income to average assets | 0.9983% | 1,009 |
| Noninterest expense to average assets | 3.1780% | 1,670 |
| Loan and lease loss provision to assets | 0.2061% | 793 |
| Net operating income to assets | 0.8991% | 2,765 |
| Return on assets (ROA) | 0.9067% | 2,782 |
| Pretax return on assets | 1.3761% | 1,965 |
| Return on Equity (ROE) | 6.8958% | 3,448 |
| Retained earnings to average equity (ytd only) | 4.4579% | 3,193 |
| Net charge-offs to loans | 0.5703% | 313 |
| Credit loss provision to net charge-offs | 58.0645% | 1,923 |
| Earnings coverage of net charge-offs (x) | 4.4258% | 2,388 |
| Efficiency ratio | 66.6345% | 3,391 |
| Assets per employee ($millions) | 3.4879% | 4,799 |
| Cash dividends to net income (ytd only)* | 35.3535% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 2,492 |
| Loan loss allowance to noncurrent loans | 61.4081% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.5241% | 1,040 |
| Noncurrent loans to loans | 2.1327% | 812 |
| Net loans and leases to total assets | 61.0554% | 3,656 |
| Net loans and leases to deposits | 71.0259% | 3,693 |
| Net loans and leases to core deposits | 89.3376% | 2,414 |
| Total domestic deposits to total assets | 85.9622% | 2,683 |
| Equity capital to assets | 13.3049% | 1,146 |
| Core capital (leverage) ratio | 11.9186% | 1,681 |
| Tier 1 risk-based capital ratio | 18.8086% | 1,657 |
| Total risk-based capital ratio | 20.0585% | 1,615 |
| Memoranda: | ||
| Average total assets | $174,698,500 | 3,257 |
| Average earning assets | $160,603,500 | 3,258 |
| Average equity | $22,970,500 | 2,896 |
| Average total loans | $108,722,500 | 3,268 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 2,893 |
| Cost of funding earning assets | 0.2575% | 4,496 |
| Net interest margin | 3.8327% | 2,198 |
| Noninterest income to average assets | 0.9249% | 1,333 |
| Noninterest expense to average assets | 2.8985% | 2,679 |
| Loan and lease loss provision to assets | 0.1315% | 1,894 |
| Net operating income to assets | 0.9223% | 2,712 |
| Return on assets (ROA) | 0.9305% | 2,788 |
| Pretax return on assets | 1.4554% | 1,733 |
| Return on Equity (ROE) | 7.3181% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.0078% | 2,342 |
| Net charge-offs to loans | 0.2565% | 1,080 |
| Credit loss provision to net charge-offs | 89.3536% | 2,807 |
| Earnings coverage of net charge-offs (x) | 10.6958% | 2,615 |
| Efficiency ratio | 64.5190% | 3,850 |
| Assets per employee ($millions) | 3.3654% | 4,947 |
| Cash dividends to net income (ytd only)* | 31.5695% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,301 |
| Loan loss allowance to noncurrent loans | 176.9139% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 2,728 |
| Noncurrent loans to loans | 0.7631% | 2,633 |
| Net loans and leases to total assets | 61.7567% | 3,641 |
| Net loans and leases to deposits | 71.6675% | 3,744 |
| Net loans and leases to core deposits | 90.4848% | 2,455 |
| Total domestic deposits to total assets | 86.1711% | 2,503 |
| Equity capital to assets | 12.9929% | 1,264 |
| Core capital (leverage) ratio | 11.1713% | 2,192 |
| Tier 1 risk-based capital ratio | 18.1543% | 1,816 |
| Total risk-based capital ratio | 19.4040% | 1,776 |
| Memoranda: | ||
| Average total assets | $178,715,800 | 3,178 |
| Average earning assets | $165,419,000 | 3,169 |
| Average equity | $22,724,600 | 2,919 |
| Average total loans | $102,535,000 | 3,342 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,087 |
| Cost of funding earning assets | 0.2524% | 4,582 |
| Net interest margin | 3.7838% | 2,394 |
| Noninterest income to average assets | 0.8988% | 1,407 |
| Noninterest expense to average assets | 2.8797% | 2,704 |
| Loan and lease loss provision to assets | 0.0891% | 2,443 |
| Net operating income to assets | 0.9168% | 2,823 |
| Return on assets (ROA) | 0.9277% | 2,889 |
| Pretax return on assets | 1.4525% | 1,872 |
| Return on Equity (ROE) | 7.3351% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.0466% | 2,796 |
| Net charge-offs to loans | 0.2659% | 876 |
| Credit loss provision to net charge-offs | 59.7015% | 2,914 |
| Earnings coverage of net charge-offs (x) | 10.2190% | 2,600 |
| Efficiency ratio | 65.0826% | 3,749 |
| Assets per employee ($millions) | 3.8322% | 4,246 |
| Cash dividends to net income (ytd only)* | 31.2001% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,270 |
| Loan loss allowance to noncurrent loans | 162.8571% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 3,132 |
| Noncurrent loans to loans | 0.8500% | 2,557 |
| Net loans and leases to total assets | 51.9454% | 4,661 |
| Net loans and leases to deposits | 59.4151% | 4,796 |
| Net loans and leases to core deposits | 76.1268% | 3,821 |
| Total domestic deposits to total assets | 87.4279% | 1,705 |
| Equity capital to assets | 11.8722% | 2,203 |
| Core capital (leverage) ratio | 11.0334% | 2,415 |
| Tier 1 risk-based capital ratio | 19.0998% | 1,651 |
| Total risk-based capital ratio | 20.3500% | 1,604 |
| Memoranda: | ||
| Average total assets | $179,644,000 | 3,180 |
| Average earning assets | $166,423,250 | 3,175 |
| Average equity | $22,721,250 | 2,943 |
| Average total loans | $100,780,000 | 3,380 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 2,986 |
| Cost of funding earning assets | 0.2523% | 4,637 |
| Net interest margin | 3.8203% | 2,240 |
| Noninterest income to average assets | 0.8808% | 1,436 |
| Noninterest expense to average assets | 2.9671% | 2,457 |
| Loan and lease loss provision to assets | 0.0401% | 3,353 |
| Net operating income to assets | 0.8950% | 2,887 |
| Return on assets (ROA) | 0.9141% | 2,928 |
| Pretax return on assets | 1.4291% | 1,912 |
| Return on Equity (ROE) | 7.0654% | 3,504 |
| Retained earnings to average equity (ytd only) | 4.8048% | 2,865 |
| Net charge-offs to loans | 0.1639% | 1,353 |
| Credit loss provision to net charge-offs | 42.6829% | 2,748 |
| Earnings coverage of net charge-offs (x) | 15.3049% | 2,002 |
| Efficiency ratio | 67.0224% | 3,533 |
| Assets per employee ($millions) | 3.6264% | 4,556 |
| Cash dividends to net income (ytd only)* | 31.9950% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 2,071 |
| Loan loss allowance to noncurrent loans | 164.1170% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 3,161 |
| Noncurrent loans to loans | 0.8826% | 2,531 |
| Net loans and leases to total assets | 53.6724% | 4,539 |
| Net loans and leases to deposits | 61.7842% | 4,673 |
| Net loans and leases to core deposits | 76.4053% | 3,788 |
| Total domestic deposits to total assets | 86.8708% | 1,975 |
| Equity capital to assets | 12.4177% | 1,828 |
| Core capital (leverage) ratio | 11.4946% | 1,998 |
| Tier 1 risk-based capital ratio | 19.0439% | 1,684 |
| Total risk-based capital ratio | 20.2950% | 1,654 |
| Memoranda: | ||
| Average total assets | $174,378,670 | 3,261 |
| Average earning assets | $160,928,000 | 3,258 |
| Average equity | $22,560,670 | 2,968 |
| Average total loans | $100,057,670 | 3,406 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 2,837 |
| Cost of funding earning assets | 0.2492% | 4,715 |
| Net interest margin | 3.8522% | 2,093 |
| Noninterest income to average assets | 0.9415% | 1,203 |
| Noninterest expense to average assets | 3.0090% | 2,363 |
| Loan and lease loss provision to assets | 0.0828% | 2,300 |
| Net operating income to assets | 0.9234% | 2,629 |
| Return on assets (ROA) | 0.9628% | 2,565 |
| Pretax return on assets | 1.4950% | 1,612 |
| Return on Equity (ROE) | 7.2815% | 3,299 |
| Retained earnings to average equity (ytd only) | 5.2241% | 2,801 |
| Net charge-offs to loans | 0.1123% | 1,450 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 22.8929% | 1,389 |
| Efficiency ratio | 66.1788% | 3,771 |
| Assets per employee ($millions) | 3.5701% | 4,700 |
| Cash dividends to net income (ytd only)* | 28.2555% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,839 |
| Loan loss allowance to noncurrent loans | 141.0997% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 2,758 |
| Noncurrent loans to loans | 1.0895% | 2,214 |
| Net loans and leases to total assets | 54.3243% | 4,424 |
| Net loans and leases to deposits | 62.7104% | 4,530 |
| Net loans and leases to core deposits | 76.8221% | 3,599 |
| Total domestic deposits to total assets | 86.6272% | 2,397 |
| Equity capital to assets | 12.6361% | 1,594 |
| Core capital (leverage) ratio | 12.2619% | 1,455 |
| Tier 1 risk-based capital ratio | 19.8997% | 1,523 |
| Total risk-based capital ratio | 21.1520% | 1,492 |
| Memoranda: | ||
| Average total assets | $169,095,000 | 3,337 |
| Average earning assets | $157,311,500 | 3,324 |
| Average equity | $22,358,000 | 2,983 |
| Average total loans | $99,724,500 | 3,427 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 1,683 |
| Cost of funding earning assets | 0.2713% | 4,569 |
| Net interest margin | 4.2020% | 1,170 |
| Noninterest income to average assets | 0.8805% | 1,500 |
| Noninterest expense to average assets | 3.1417% | 2,111 |
| Loan and lease loss provision to assets | 0.1293% | 1,862 |
| Net operating income to assets | 0.9201% | 2,759 |
| Return on assets (ROA) | 0.9209% | 2,843 |
| Pretax return on assets | 1.4507% | 1,720 |
| Return on Equity (ROE) | 6.7315% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.2187% | 2,983 |
| Net charge-offs to loans | 0.1309% | 2,060 |
| Credit loss provision to net charge-offs | 158.9147% | 1,690 |
| Earnings coverage of net charge-offs (x) | 19.4031% | 1,949 |
| Efficiency ratio | 66.2079% | 3,868 |
| Assets per employee ($millions) | 3.1937% | 5,302 |
| Cash dividends to net income (ytd only)* | 37.3288% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 2,046 |
| Loan loss allowance to noncurrent loans | 127.3035% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 2,514 |
| Noncurrent loans to loans | 1.1717% | 2,018 |
| Net loans and leases to total assets | 62.2835% | 3,518 |
| Net loans and leases to deposits | 73.0831% | 3,605 |
| Net loans and leases to core deposits | 88.1321% | 2,587 |
| Total domestic deposits to total assets | 85.2229% | 2,991 |
| Equity capital to assets | 13.8772% | 974 |
| Core capital (leverage) ratio | 12.3195% | 1,439 |
| Tier 1 risk-based capital ratio | 19.2786% | 1,633 |
| Total risk-based capital ratio | 20.5308% | 1,595 |
| Memoranda: | ||
| Average total assets | $158,545,000 | 3,447 |
| Average earning assets | $144,884,600 | 3,474 |
| Average equity | $21,689,200 | 3,007 |
| Average total loans | $98,533,200 | 3,408 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,646 |
| Cost of funding earning assets | 0.2703% | 4,659 |
| Net interest margin | 4.2134% | 1,139 |
| Noninterest income to average assets | 0.8610% | 1,577 |
| Noninterest expense to average assets | 3.1054% | 2,208 |
| Loan and lease loss provision to assets | 0.0969% | 2,234 |
| Net operating income to assets | 0.9433% | 2,742 |
| Return on assets (ROA) | 0.9444% | 2,842 |
| Pretax return on assets | 1.4945% | 1,692 |
| Return on Equity (ROE) | 6.9287% | 3,662 |
| Retained earnings to average equity (ytd only) | 4.4873% | 3,275 |
| Net charge-offs to loans | 0.1906% | 1,339 |
| Credit loss provision to net charge-offs | 82.1429% | 2,581 |
| Earnings coverage of net charge-offs (x) | 13.4787% | 2,324 |
| Efficiency ratio | 65.7814% | 3,933 |
| Assets per employee ($millions) | 3.1946% | 5,296 |
| Cash dividends to net income (ytd only)* | 35.2361% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 2,545 |
| Loan loss allowance to noncurrent loans | 157.6880% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 3,236 |
| Noncurrent loans to loans | 0.8946% | 2,740 |
| Net loans and leases to total assets | 60.2665% | 3,845 |
| Net loans and leases to deposits | 71.1569% | 3,854 |
| Net loans and leases to core deposits | 86.2812% | 2,822 |
| Total domestic deposits to total assets | 84.6952% | 3,133 |
| Equity capital to assets | 13.5088% | 1,224 |
| Core capital (leverage) ratio | 12.5097% | 1,414 |
| Tier 1 risk-based capital ratio | 18.9634% | 1,782 |
| Total risk-based capital ratio | 20.2140% | 1,751 |
| Memoranda: | ||
| Average total assets | $158,259,750 | 3,487 |
| Average earning assets | $144,013,000 | 3,523 |
| Average equity | $21,571,500 | 3,038 |
| Average total loans | $97,925,500 | 3,452 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 1,426 |
| Cost of funding earning assets | 0.2760% | 4,655 |
| Net interest margin | 4.2631% | 991 |
| Noninterest income to average assets | 0.7977% | 1,788 |
| Noninterest expense to average assets | 3.1767% | 2,044 |
| Loan and lease loss provision to assets | 0.1212% | 1,826 |
| Net operating income to assets | 0.8637% | 3,066 |
| Return on assets (ROA) | 0.8653% | 3,160 |
| Pretax return on assets | 1.3656% | 2,125 |
| Return on Equity (ROE) | 6.3289% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.9019% | 3,518 |
| Net charge-offs to loans | 0.2033% | 1,243 |
| Credit loss provision to net charge-offs | 95.9596% | 2,131 |
| Earnings coverage of net charge-offs (x) | 11.7475% | 2,264 |
| Efficiency ratio | 67.7985% | 3,699 |
| Assets per employee ($millions) | 3.1212% | 5,441 |
| Cash dividends to net income (ytd only)* | 38.3481% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 2,566 |
| Loan loss allowance to noncurrent loans | 111.9216% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1303% | 2,253 |
| Noncurrent loans to loans | 1.2868% | 2,099 |
| Net loans and leases to total assets | 62.5747% | 3,467 |
| Net loans and leases to deposits | 74.6545% | 3,418 |
| Net loans and leases to core deposits | 89.3302% | 2,411 |
| Total domestic deposits to total assets | 83.8190% | 3,643 |
| Equity capital to assets | 13.8287% | 1,040 |
| Core capital (leverage) ratio | 12.5529% | 1,352 |
| Tier 1 risk-based capital ratio | 18.9846% | 1,794 |
| Total risk-based capital ratio | 20.2360% | 1,764 |
| Memoranda: | ||
| Average total assets | $156,705,330 | 3,534 |
| Average earning assets | $142,011,000 | 3,568 |
| Average equity | $21,425,670 | 3,065 |
| Average total loans | $97,369,670 | 3,483 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 1,871 |
| Cost of funding earning assets | 0.2731% | 4,748 |
| Net interest margin | 4.0968% | 1,286 |
| Noninterest income to average assets | 0.8050% | 1,695 |
| Noninterest expense to average assets | 3.2809% | 1,765 |
| Loan and lease loss provision to assets | 0.1146% | 1,801 |
| Net operating income to assets | 0.7234% | 3,674 |
| Return on assets (ROA) | 0.7234% | 3,810 |
| Pretax return on assets | 1.1157% | 3,014 |
| Return on Equity (ROE) | 5.3213% | 4,367 |
| Retained earnings to average equity (ytd only) | 2.2297% | 4,568 |
| Net charge-offs to loans | 0.3564% | 687 |
| Credit loss provision to net charge-offs | 52.3256% | 2,078 |
| Earnings coverage of net charge-offs (x) | 5.6163% | 2,370 |
| Efficiency ratio | 72.3320% | 3,114 |
| Assets per employee ($millions) | 3.2113% | 5,394 |
| Cash dividends to net income (ytd only)* | 58.0986% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 2,756 |
| Loan loss allowance to noncurrent loans | 115.2697% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 2,436 |
| Noncurrent loans to loans | 1.2470% | 2,296 |
| Net loans and leases to total assets | 59.3184% | 3,758 |
| Net loans and leases to deposits | 70.9505% | 3,646 |
| Net loans and leases to core deposits | 86.2218% | 2,520 |
| Total domestic deposits to total assets | 83.6053% | 3,972 |
| Equity capital to assets | 13.3610% | 1,234 |
| Core capital (leverage) ratio | 12.3483% | 1,427 |
| Tier 1 risk-based capital ratio | 18.7219% | 1,935 |
| Total risk-based capital ratio | 19.9727% | 1,897 |
| Memoranda: | ||
| Average total assets | $157,028,000 | 3,553 |
| Average earning assets | $142,061,500 | 3,592 |
| Average equity | $21,348,000 | 3,090 |
| Average total loans | $96,514,000 | 3,513 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 1,057 |
| Cost of funding earning assets | 0.3243% | 4,545 |
| Net interest margin | 4.5020% | 748 |
| Noninterest income to average assets | 1.0507% | 1,104 |
| Noninterest expense to average assets | 3.5432% | 1,399 |
| Loan and lease loss provision to assets | 0.2083% | 1,206 |
| Net operating income to assets | 0.8469% | 3,132 |
| Return on assets (ROA) | 0.8486% | 3,221 |
| Pretax return on assets | 1.3313% | 2,139 |
| Return on Equity (ROE) | 5.9237% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.1543% | 3,238 |
| Net charge-offs to loans | 0.3587% | 1,218 |
| Credit loss provision to net charge-offs | 92.3077% | 2,592 |
| Earnings coverage of net charge-offs (x) | 6.8092% | 3,136 |
| Efficiency ratio | 69.3096% | 3,655 |
| Assets per employee ($millions) | 2.9518% | 5,759 |
| Cash dividends to net income (ytd only)* | 29.8691% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 2,549 |
| Loan loss allowance to noncurrent loans | 102.4338% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 2,368 |
| Noncurrent loans to loans | 1.4492% | 2,028 |
| Net loans and leases to total assets | 61.8690% | 3,519 |
| Net loans and leases to deposits | 75.1547% | 3,293 |
| Net loans and leases to core deposits | 84.4770% | 2,848 |
| Total domestic deposits to total assets | 82.3222% | 4,305 |
| Equity capital to assets | 13.8398% | 1,016 |
| Core capital (leverage) ratio | 12.4164% | 1,393 |
| Tier 1 risk-based capital ratio | 19.2091% | 1,791 |
| Total risk-based capital ratio | 20.4103% | 1,767 |
| Memoranda: | ||
| Average total assets | $143,994,400 | 3,725 |
| Average earning assets | $128,877,000 | 3,790 |
| Average equity | $20,629,000 | 3,088 |
| Average total loans | $90,617,200 | 3,618 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 1,126 |
| Cost of funding earning assets | 0.3299% | 4,565 |
| Net interest margin | 4.4580% | 805 |
| Noninterest income to average assets | 0.9000% | 1,522 |
| Noninterest expense to average assets | 3.7075% | 1,105 |
| Loan and lease loss provision to assets | 0.1130% | 2,158 |
| Net operating income to assets | 0.6914% | 3,984 |
| Return on assets (ROA) | 0.6939% | 4,062 |
| Pretax return on assets | 1.0648% | 3,321 |
| Return on Equity (ROE) | 4.7991% | 4,817 |
| Retained earnings to average equity (ytd only) | 3.1386% | 4,389 |
| Net charge-offs to loans | 0.2781% | 1,412 |
| Credit loss provision to net charge-offs | 64.5161% | 2,861 |
| Earnings coverage of net charge-offs (x) | 6.7044% | 3,041 |
| Efficiency ratio | 75.4870% | 2,577 |
| Assets per employee ($millions) | 2.8716% | 5,884 |
| Cash dividends to net income (ytd only)* | 34.5996% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 2,886 |
| Loan loss allowance to noncurrent loans | 72.0954% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 1,582 |
| Noncurrent loans to loans | 2.0300% | 1,556 |
| Net loans and leases to total assets | 62.6714% | 3,389 |
| Net loans and leases to deposits | 77.2011% | 3,047 |
| Net loans and leases to core deposits | 85.5656% | 2,709 |
| Total domestic deposits to total assets | 81.1793% | 4,774 |
| Equity capital to assets | 13.9635% | 1,018 |
| Core capital (leverage) ratio | 13.0511% | 1,154 |
| Tier 1 risk-based capital ratio | 18.1487% | 2,164 |
| Total risk-based capital ratio | 19.3519% | 2,141 |
| Memoranda: | ||
| Average total assets | $141,620,000 | 3,795 |
| Average earning assets | $126,480,000 | 3,870 |
| Average equity | $20,475,500 | 3,119 |
| Average total loans | $89,172,750 | 3,678 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 1,110 |
| Cost of funding earning assets | 0.3411% | 4,525 |
| Net interest margin | 4.4364% | 800 |
| Noninterest income to average assets | 0.8630% | 1,612 |
| Noninterest expense to average assets | 3.8461% | 915 |
| Loan and lease loss provision to assets | 0.0575% | 3,141 |
| Net operating income to assets | 0.6003% | 4,352 |
| Return on assets (ROA) | 0.6041% | 4,439 |
| Pretax return on assets | 0.9119% | 3,836 |
| Return on Equity (ROE) | 4.1277% | 5,090 |
| Retained earnings to average equity (ytd only) | 2.4570% | 4,647 |
| Net charge-offs to loans | 0.2659% | 1,487 |
| Credit loss provision to net charge-offs | 34.4828% | 2,993 |
| Earnings coverage of net charge-offs (x) | 5.7759% | 2,870 |
| Efficiency ratio | 79.4856% | 2,097 |
| Assets per employee ($millions) | 2.4051% | 6,354 |
| Cash dividends to net income (ytd only)* | 40.4762% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 2,789 |
| Loan loss allowance to noncurrent loans | 77.8656% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 2.0646% | 1,534 |
| Noncurrent loans to loans | 1.9563% | 1,731 |
| Net loans and leases to total assets | 63.9068% | 3,083 |
| Net loans and leases to deposits | 80.2636% | 2,482 |
| Net loans and leases to core deposits | 89.2256% | 2,192 |
| Total domestic deposits to total assets | 79.6211% | 5,323 |
| Equity capital to assets | 14.7738% | 755 |
| Core capital (leverage) ratio | 13.2897% | 1,051 |
| Tier 1 risk-based capital ratio | 18.6314% | 2,027 |
| Total risk-based capital ratio | 19.8316% | 1,998 |
| Memoranda: | ||
| Average total assets | $139,051,670 | 3,865 |
| Average earning assets | $123,705,000 | 3,940 |
| Average equity | $20,350,330 | 3,133 |
| Average total loans | $87,239,000 | 3,736 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,376 |
| Cost of funding earning assets | 0.3305% | 4,731 |
| Net interest margin | 4.3191% | 964 |
| Noninterest income to average assets | 0.8269% | 1,646 |
| Noninterest expense to average assets | 3.9963% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4725% | 4,827 |
| Return on assets (ROA) | 0.4725% | 4,905 |
| Pretax return on assets | 0.6713% | 4,590 |
| Return on Equity (ROE) | 3.2442% | 5,366 |
| Retained earnings to average equity (ytd only) | 0.9693% | 5,209 |
| Net charge-offs to loans | 0.0935% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.6500% | 1,766 |
| Efficiency ratio | 85.6173% | 1,490 |
| Assets per employee ($millions) | 2.4589% | 6,398 |
| Cash dividends to net income (ytd only)* | 70.1220% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 2,414 |
| Loan loss allowance to noncurrent loans | 81.4415% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.0199% | 1,685 |
| Noncurrent loans to loans | 2.0645% | 1,795 |
| Net loans and leases to total assets | 59.8711% | 3,582 |
| Net loans and leases to deposits | 74.8996% | 2,955 |
| Net loans and leases to core deposits | 85.3625% | 2,385 |
| Total domestic deposits to total assets | 79.9352% | 5,494 |
| Equity capital to assets | 14.4831% | 794 |
| Core capital (leverage) ratio | 13.2687% | 1,057 |
| Tier 1 risk-based capital ratio | 19.2482% | 1,895 |
| Total risk-based capital ratio | 20.4513% | 1,870 |
| Memoranda: | ||
| Average total assets | $138,829,000 | 3,898 |
| Average earning assets | $123,450,500 | 3,977 |
| Average equity | $20,221,000 | 3,150 |
| Average total loans | $85,595,000 | 3,807 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,510 |
| Cost of funding earning assets | 0.4303% | 4,316 |
| Net interest margin | 4.2923% | 1,126 |
| Noninterest income to average assets | 1.0585% | 1,258 |
| Noninterest expense to average assets | 3.6501% | 1,375 |
| Loan and lease loss provision to assets | 0.0216% | 4,699 |
| Net operating income to assets | 0.7819% | 3,385 |
| Return on assets (ROA) | 0.7838% | 3,479 |
| Pretax return on assets | 1.1915% | 2,611 |
| Return on Equity (ROE) | 5.4769% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.1705% | 3,207 |
| Net charge-offs to loans | 0.3420% | 1,967 |
| Credit loss provision to net charge-offs | 10.4530% | 4,576 |
| Earnings coverage of net charge-offs (x) | 5.8641% | 3,189 |
| Efficiency ratio | 74.6116% | 3,029 |
| Assets per employee ($millions) | 2.3707% | 6,477 |
| Cash dividends to net income (ytd only)* | 23.8532% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 2,419 |
| Loan loss allowance to noncurrent loans | 88.8278% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.9709% | 1,822 |
| Noncurrent loans to loans | 1.9082% | 2,111 |
| Net loans and leases to total assets | 61.3715% | 3,471 |
| Net loans and leases to deposits | 77.8974% | 2,735 |
| Net loans and leases to core deposits | 87.5702% | 2,284 |
| Total domestic deposits to total assets | 78.7850% | 5,691 |
| Equity capital to assets | 14.6492% | 751 |
| Core capital (leverage) ratio | 13.0461% | 1,124 |
| Tier 1 risk-based capital ratio | 19.4523% | 1,804 |
| Total risk-based capital ratio | 20.6563% | 1,776 |
| Memoranda: | ||
| Average total assets | $139,063,400 | 3,893 |
| Average earning assets | $123,174,200 | 3,988 |
| Average equity | $19,901,600 | 3,158 |
| Average total loans | $83,923,200 | 3,825 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 1,671 |
| Cost of funding earning assets | 0.4459% | 4,325 |
| Net interest margin | 4.2261% | 1,262 |
| Noninterest income to average assets | 1.1167% | 1,175 |
| Noninterest expense to average assets | 3.7402% | 1,181 |
| Loan and lease loss provision to assets | 0.0287% | 4,432 |
| Net operating income to assets | 0.7222% | 3,743 |
| Return on assets (ROA) | 0.7247% | 3,853 |
| Pretax return on assets | 1.0938% | 3,140 |
| Return on Equity (ROE) | 5.0936% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.0521% | 3,808 |
| Net charge-offs to loans | 0.3451% | 1,819 |
| Credit loss provision to net charge-offs | 13.8889% | 4,166 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 3,198 |
| Efficiency ratio | 76.4856% | 2,654 |
| Assets per employee ($millions) | 2.4247% | 6,531 |
| Cash dividends to net income (ytd only)* | 20.4484% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 2,263 |
| Loan loss allowance to noncurrent loans | 72.2538% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.1845% | 1,828 |
| Noncurrent loans to loans | 2.5098% | 1,725 |
| Net loans and leases to total assets | 56.7926% | 4,205 |
| Net loans and leases to deposits | 70.7564% | 3,676 |
| Net loans and leases to core deposits | 80.3796% | 3,081 |
| Total domestic deposits to total assets | 80.2649% | 5,438 |
| Equity capital to assets | 13.7282% | 1,043 |
| Core capital (leverage) ratio | 12.8162% | 1,272 |
| Tier 1 risk-based capital ratio | 19.1886% | 1,931 |
| Total risk-based capital ratio | 20.3956% | 1,914 |
| Memoranda: | ||
| Average total assets | $139,453,750 | 3,925 |
| Average earning assets | $123,484,250 | 4,017 |
| Average equity | $19,841,250 | 3,206 |
| Average total loans | $83,443,500 | 3,871 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 1,484 |
| Cost of funding earning assets | 0.4730% | 4,170 |
| Net interest margin | 4.2587% | 1,117 |
| Noninterest income to average assets | 1.1961% | 1,064 |
| Noninterest expense to average assets | 3.8939% | 985 |
| Loan and lease loss provision to assets | 0.0437% | 4,093 |
| Net operating income to assets | 0.6684% | 3,975 |
| Return on assets (ROA) | 0.6723% | 4,109 |
| Pretax return on assets | 1.0113% | 3,461 |
| Return on Equity (ROE) | 4.6672% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.0611% | 3,713 |
| Net charge-offs to loans | 0.1250% | 3,125 |
| Credit loss provision to net charge-offs | 57.6923% | 3,059 |
| Earnings coverage of net charge-offs (x) | 13.8654% | 1,867 |
| Efficiency ratio | 78.3044% | 2,408 |
| Assets per employee ($millions) | 2.4054% | 6,574 |
| Cash dividends to net income (ytd only)* | 12.9870% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 1,870 |
| Loan loss allowance to noncurrent loans | 78.6047% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.3976% | 1,774 |
| Noncurrent loans to loans | 2.5345% | 1,821 |
| Net loans and leases to total assets | 59.5922% | 3,733 |
| Net loans and leases to deposits | 74.3330% | 3,100 |
| Net loans and leases to core deposits | 87.2019% | 2,208 |
| Total domestic deposits to total assets | 80.1692% | 5,572 |
| Equity capital to assets | 14.1662% | 916 |
| Core capital (leverage) ratio | 12.9325% | 1,193 |
| Tier 1 risk-based capital ratio | 19.0835% | 1,975 |
| Total risk-based capital ratio | 20.2642% | 1,953 |
| Memoranda: | ||
| Average total assets | $137,444,330 | 3,992 |
| Average earning assets | $120,929,000 | 4,103 |
| Average equity | $19,797,670 | 3,225 |
| Average total loans | $83,208,330 | 3,894 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7028% | 1,530 |
| Cost of funding earning assets | 0.5107% | 3,964 |
| Net interest margin | 4.1921% | 1,212 |
| Noninterest income to average assets | 1.2111% | 1,037 |
| Noninterest expense to average assets | 4.0408% | 845 |
| Loan and lease loss provision to assets | 0.0880% | 3,197 |
| Net operating income to assets | 0.5366% | 4,512 |
| Return on assets (ROA) | 0.5366% | 4,655 |
| Pretax return on assets | 0.7653% | 4,310 |
| Return on Equity (ROE) | 3.6943% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.6943% | 4,009 |
| Net charge-offs to loans | -0.0243% | 5,808 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0851% | 2,025 |
| Assets per employee ($millions) | 2.4237% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1269% | 1,738 |
| Loan loss allowance to noncurrent loans | 74.9356% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 2.5937% | 1,761 |
| Noncurrent loans to loans | 2.8382% | 1,785 |
| Net loans and leases to total assets | 57.1572% | 3,893 |
| Net loans and leases to deposits | 71.3321% | 3,275 |
| Net loans and leases to core deposits | 83.8065% | 2,342 |
| Total domestic deposits to total assets | 80.1283% | 5,726 |
| Equity capital to assets | 14.1493% | 979 |
| Core capital (leverage) ratio | 12.7673% | 1,210 |
| Tier 1 risk-based capital ratio | 19.0555% | 2,032 |
| Total risk-based capital ratio | 20.2625% | 2,013 |
| Memoranda: | ||
| Average total assets | $136,409,000 | 4,055 |
| Average earning assets | $119,844,500 | 4,155 |
| Average equity | $19,814,500 | 3,264 |
| Average total loans | $82,397,500 | 3,943 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 1,834 |
| Cost of funding earning assets | 0.5844% | 4,497 |
| Net interest margin | 4.3173% | 1,365 |
| Noninterest income to average assets | 1.3885% | 807 |
| Noninterest expense to average assets | 4.2771% | 698 |
| Loan and lease loss provision to assets | 0.2292% | 2,838 |
| Net operating income to assets | 0.4933% | 4,712 |
| Return on assets (ROA) | 0.4933% | 4,963 |
| Pretax return on assets | 0.6645% | 4,778 |
| Return on Equity (ROE) | 3.4209% | 5,381 |
| Retained earnings to average equity (ytd only) | 3.4209% | 3,819 |
| Net charge-offs to loans | 0.5242% | 2,155 |
| Credit loss provision to net charge-offs | 75.3056% | 3,996 |
| Earnings coverage of net charge-offs (x) | 2.9364% | 3,959 |
| Efficiency ratio | 82.2420% | 1,832 |
| Assets per employee ($millions) | 2.2415% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 1,833 |
| Loan loss allowance to noncurrent loans | 76.9438% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 3.1933% | 1,457 |
| Noncurrent loans to loans | 2.6904% | 1,964 |
| Net loans and leases to total assets | 61.2419% | 3,381 |
| Net loans and leases to deposits | 77.7278% | 2,573 |
| Net loans and leases to core deposits | 82.5056% | 2,716 |
| Total domestic deposits to total assets | 78.7903% | 5,936 |
| Equity capital to assets | 14.9260% | 759 |
| Core capital (leverage) ratio | 12.0831% | 1,522 |
| Tier 1 risk-based capital ratio | 18.3762% | 2,144 |
| Total risk-based capital ratio | 19.6002% | 2,116 |
| Memoranda: | ||
| Average total assets | $134,390,400 | 4,052 |
| Average earning assets | $117,735,000 | 4,169 |
| Average equity | $19,380,800 | 3,276 |
| Average total loans | $78,016,400 | 4,092 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 2,281 |
| Cost of funding earning assets | 0.5921% | 4,731 |
| Net interest margin | 4.2383% | 1,624 |
| Noninterest income to average assets | 1.4210% | 745 |
| Noninterest expense to average assets | 4.1799% | 741 |
| Loan and lease loss provision to assets | 0.2846% | 2,290 |
| Net operating income to assets | 0.4941% | 4,865 |
| Return on assets (ROA) | 0.4941% | 5,135 |
| Pretax return on assets | 0.6631% | 4,974 |
| Return on Equity (ROE) | 3.4557% | 5,510 |
| Retained earnings to average equity (ytd only) | 3.4557% | 4,433 |
| Net charge-offs to loans | 0.5708% | 1,907 |
| Credit loss provision to net charge-offs | 87.5380% | 3,381 |
| Earnings coverage of net charge-offs (x) | 2.9149% | 3,863 |
| Efficiency ratio | 81.0368% | 1,930 |
| Assets per employee ($millions) | 2.2842% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3157% | 1,488 |
| Loan loss allowance to noncurrent loans | 65.9472% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 3.8679% | 1,267 |
| Noncurrent loans to loans | 3.5114% | 1,546 |
| Net loans and leases to total assets | 54.5417% | 4,661 |
| Net loans and leases to deposits | 67.0819% | 4,325 |
| Net loans and leases to core deposits | 70.4192% | 4,444 |
| Total domestic deposits to total assets | 81.3062% | 5,263 |
| Equity capital to assets | 14.3224% | 1,028 |
| Core capital (leverage) ratio | 12.4854% | 1,414 |
| Tier 1 risk-based capital ratio | 18.7241% | 2,096 |
| Total risk-based capital ratio | 19.9403% | 2,070 |
| Memoranda: | ||
| Average total assets | $134,926,500 | 4,081 |
| Average earning assets | $117,999,000 | 4,200 |
| Average equity | $19,291,250 | 3,320 |
| Average total loans | $76,845,000 | 4,171 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 2,340 |
| Cost of funding earning assets | 0.6172% | 4,744 |
| Net interest margin | 4.2230% | 1,688 |
| Noninterest income to average assets | 1.4558% | 688 |
| Noninterest expense to average assets | 4.1455% | 784 |
| Loan and lease loss provision to assets | 0.1788% | 3,307 |
| Net operating income to assets | 0.5798% | 4,453 |
| Return on assets (ROA) | 0.5767% | 4,733 |
| Pretax return on assets | 0.8076% | 4,452 |
| Return on Equity (ROE) | 4.0357% | 5,250 |
| Retained earnings to average equity (ytd only) | 4.0357% | 3,921 |
| Net charge-offs to loans | 0.3431% | 2,642 |
| Credit loss provision to net charge-offs | 90.9091% | 3,017 |
| Earnings coverage of net charge-offs (x) | 5.0379% | 2,923 |
| Efficiency ratio | 80.2437% | 2,132 |
| Assets per employee ($millions) | 2.3548% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3276% | 1,541 |
| Loan loss allowance to noncurrent loans | 54.5097% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 3.9654% | 1,296 |
| Noncurrent loans to loans | 4.2701% | 1,266 |
| Net loans and leases to total assets | 57.3120% | 4,278 |
| Net loans and leases to deposits | 71.9029% | 3,628 |
| Net loans and leases to core deposits | 74.9499% | 3,893 |
| Total domestic deposits to total assets | 79.7074% | 5,814 |
| Equity capital to assets | 14.7248% | 853 |
| Core capital (leverage) ratio | 12.5832% | 1,316 |
| Tier 1 risk-based capital ratio | 18.4945% | 2,135 |
| Total risk-based capital ratio | 19.7643% | 2,082 |
| Memoranda: | ||
| Average total assets | $134,218,330 | 4,112 |
| Average earning assets | $116,979,670 | 4,238 |
| Average equity | $19,178,670 | 3,330 |
| Average total loans | $76,952,670 | 4,189 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 2,469 |
| Cost of funding earning assets | 0.6279% | 4,912 |
| Net interest margin | 4.2157% | 1,716 |
| Noninterest income to average assets | 1.4624% | 679 |
| Noninterest expense to average assets | 4.1361% | 797 |
| Loan and lease loss provision to assets | 0.1034% | 4,042 |
| Net operating income to assets | 0.6352% | 4,198 |
| Return on assets (ROA) | 0.6352% | 4,410 |
| Pretax return on assets | 0.8922% | 4,056 |
| Return on Equity (ROE) | 4.5122% | 5,038 |
| Retained earnings to average equity (ytd only) | 4.5122% | 3,879 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1382% | 2,181 |
| Assets per employee ($millions) | 2.4623% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4382% | 1,451 |
| Loan loss allowance to noncurrent loans | 63.3310% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 3.7258% | 1,507 |
| Noncurrent loans to loans | 3.8499% | 1,608 |
| Net loans and leases to total assets | 55.6147% | 4,455 |
| Net loans and leases to deposits | 70.5480% | 3,644 |
| Net loans and leases to core deposits | 74.0484% | 3,895 |
| Total domestic deposits to total assets | 78.8325% | 6,115 |
| Equity capital to assets | 14.4379% | 878 |
| Core capital (leverage) ratio | 12.3414% | 1,413 |
| Tier 1 risk-based capital ratio | 17.9294% | 2,321 |
| Total risk-based capital ratio | 19.1726% | 2,292 |
| Memoranda: | ||
| Average total assets | $135,394,500 | 4,117 |
| Average earning assets | $117,845,500 | 4,254 |
| Average equity | $19,059,500 | 3,340 |
| Average total loans | $76,741,000 | 4,223 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 3,075 |
| Cost of funding earning assets | 0.7956% | 4,904 |
| Net interest margin | 4.1630% | 2,183 |
| Noninterest income to average assets | 1.0849% | 1,129 |
| Noninterest expense to average assets | 3.8085% | 1,336 |
| Loan and lease loss provision to assets | 0.5954% | 1,741 |
| Net operating income to assets | 0.2815% | 5,319 |
| Return on assets (ROA) | 0.2821% | 5,476 |
| Pretax return on assets | 0.3318% | 5,471 |
| Return on Equity (ROE) | 2.0357% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.0357% | 4,761 |
| Net charge-offs to loans | 0.8871% | 1,960 |
| Credit loss provision to net charge-offs | 110.4396% | 3,024 |
| Earnings coverage of net charge-offs (x) | 1.7184% | 4,488 |
| Efficiency ratio | 79.9187% | 2,313 |
| Assets per employee ($millions) | 2.6005% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3337% | 1,568 |
| Loan loss allowance to noncurrent loans | 45.3137% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 3.7344% | 1,561 |
| Noncurrent loans to loans | 5.1502% | 1,078 |
| Net loans and leases to total assets | 55.0506% | 4,868 |
| Net loans and leases to deposits | 68.6382% | 4,341 |
| Net loans and leases to core deposits | 71.8497% | 4,548 |
| Total domestic deposits to total assets | 80.2040% | 5,684 |
| Equity capital to assets | 13.7289% | 1,159 |
| Core capital (leverage) ratio | 11.8574% | 1,680 |
| Tier 1 risk-based capital ratio | 18.4873% | 2,050 |
| Total risk-based capital ratio | 19.6957% | 2,027 |
| Memoranda: | ||
| Average total assets | $135,038,400 | 4,072 |
| Average earning assets | $118,399,200 | 4,174 |
| Average equity | $18,716,000 | 3,322 |
| Average total loans | $82,063,400 | 4,079 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 2,979 |
| Cost of funding earning assets | 0.8303% | 4,945 |
| Net interest margin | 4.1934% | 2,129 |
| Noninterest income to average assets | 1.1791% | 950 |
| Noninterest expense to average assets | 3.8409% | 1,247 |
| Loan and lease loss provision to assets | 0.7334% | 1,306 |
| Net operating income to assets | 0.2729% | 5,494 |
| Return on assets (ROA) | 0.2729% | 5,657 |
| Pretax return on assets | 0.2789% | 5,750 |
| Return on Equity (ROE) | 1.9645% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.9645% | 5,156 |
| Net charge-offs to loans | 1.0037% | 1,602 |
| Credit loss provision to net charge-offs | 118.0511% | 2,762 |
| Earnings coverage of net charge-offs (x) | 1.6294% | 4,422 |
| Efficiency ratio | 78.6299% | 2,456 |
| Assets per employee ($millions) | 2.7255% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3155% | 1,662 |
| Loan loss allowance to noncurrent loans | 42.1604% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 4.0374% | 1,520 |
| Noncurrent loans to loans | 5.4921% | 1,081 |
| Net loans and leases to total assets | 55.0682% | 4,989 |
| Net loans and leases to deposits | 69.6392% | 4,353 |
| Net loans and leases to core deposits | 73.0166% | 4,580 |
| Total domestic deposits to total assets | 79.0765% | 5,971 |
| Equity capital to assets | 13.3137% | 1,457 |
| Core capital (leverage) ratio | 12.0769% | 1,664 |
| Tier 1 risk-based capital ratio | 18.6918% | 2,030 |
| Total risk-based capital ratio | 19.9086% | 2,001 |
| Memoranda: | ||
| Average total assets | $134,341,500 | 4,113 |
| Average earning assets | $117,706,000 | 4,209 |
| Average equity | $18,664,500 | 3,328 |
| Average total loans | $83,157,500 | 4,081 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 2,282 |
| Cost of funding earning assets | 0.8920% | 4,744 |
| Net interest margin | 4.3013% | 1,645 |
| Noninterest income to average assets | 1.2436% | 814 |
| Noninterest expense to average assets | 4.0340% | 999 |
| Loan and lease loss provision to assets | 0.6536% | 1,475 |
| Net operating income to assets | 0.2897% | 5,411 |
| Return on assets (ROA) | 0.2897% | 5,549 |
| Pretax return on assets | 0.3003% | 5,668 |
| Return on Equity (ROE) | 2.0542% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.0542% | 4,950 |
| Net charge-offs to loans | 1.0826% | 1,456 |
| Credit loss provision to net charge-offs | 94.5175% | 3,320 |
| Earnings coverage of net charge-offs (x) | 1.3794% | 4,244 |
| Efficiency ratio | 80.3892% | 2,324 |
| Assets per employee ($millions) | 2.4977% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 2,067 |
| Loan loss allowance to noncurrent loans | 56.1905% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 3.5181% | 1,868 |
| Noncurrent loans to loans | 3.7794% | 1,852 |
| Net loans and leases to total assets | 58.4679% | 4,551 |
| Net loans and leases to deposits | 73.8454% | 3,825 |
| Net loans and leases to core deposits | 77.4104% | 4,135 |
| Total domestic deposits to total assets | 79.1761% | 6,038 |
| Equity capital to assets | 13.9048% | 1,130 |
| Core capital (leverage) ratio | 12.5488% | 1,336 |
| Tier 1 risk-based capital ratio | 18.4023% | 2,041 |
| Total risk-based capital ratio | 19.6118% | 2,009 |
| Memoranda: | ||
| Average total assets | $131,880,000 | 4,185 |
| Average earning assets | $114,801,330 | 4,308 |
| Average equity | $18,596,330 | 3,316 |
| Average total loans | $84,244,670 | 4,084 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 1,865 |
| Cost of funding earning assets | 1.0023% | 4,189 |
| Net interest margin | 4.2985% | 1,567 |
| Noninterest income to average assets | 1.4787% | 588 |
| Noninterest expense to average assets | 4.1785% | 836 |
| Loan and lease loss provision to assets | 0.5829% | 1,482 |
| Net operating income to assets | 0.3467% | 5,190 |
| Return on assets (ROA) | 0.3467% | 5,271 |
| Pretax return on assets | 0.4540% | 5,173 |
| Return on Equity (ROE) | 2.4409% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.4409% | 4,687 |
| Net charge-offs to loans | 0.7760% | 1,663 |
| Credit loss provision to net charge-offs | 113.7725% | 2,360 |
| Earnings coverage of net charge-offs (x) | 2.0240% | 3,290 |
| Efficiency ratio | 79.6471% | 2,588 |
| Assets per employee ($millions) | 2.4226% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 2,153 |
| Loan loss allowance to noncurrent loans | 60.1504% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 3.6751% | 1,843 |
| Noncurrent loans to loans | 3.5153% | 2,119 |
| Net loans and leases to total assets | 60.0554% | 4,252 |
| Net loans and leases to deposits | 77.8118% | 3,092 |
| Net loans and leases to core deposits | 80.6230% | 3,653 |
| Total domestic deposits to total assets | 77.1803% | 6,502 |
| Equity capital to assets | 13.6959% | 1,107 |
| Core capital (leverage) ratio | 12.5202% | 1,314 |
| Tier 1 risk-based capital ratio | 17.8871% | 2,154 |
| Total risk-based capital ratio | 19.1226% | 2,129 |
| Memoranda: | ||
| Average total assets | $130,383,000 | 4,249 |
| Average earning assets | $113,341,500 | 4,368 |
| Average equity | $18,517,500 | 3,322 |
| Average total loans | $86,082,500 | 4,076 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9839% | 874 |
| Cost of funding earning assets | 1.0799% | 5,256 |
| Net interest margin | 4.9040% | 547 |
| Noninterest income to average assets | 1.5493% | 615 |
| Noninterest expense to average assets | 4.1869% | 916 |
| Loan and lease loss provision to assets | 1.1503% | 1,383 |
| Net operating income to assets | 0.3867% | 4,605 |
| Return on assets (ROA) | 0.3917% | 4,726 |
| Pretax return on assets | 0.4995% | 4,623 |
| Return on Equity (ROE) | 2.6684% | 5,099 |
| Retained earnings to average equity (ytd only) | 2.6684% | 3,990 |
| Net charge-offs to loans | 1.3455% | 1,659 |
| Credit loss provision to net charge-offs | 117.5987% | 3,630 |
| Earnings coverage of net charge-offs (x) | 1.6801% | 4,479 |
| Efficiency ratio | 71.5232% | 3,884 |
| Assets per employee ($millions) | 2.1947% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 2,416 |
| Loan loss allowance to noncurrent loans | 51.7128% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 4.3022% | 1,552 |
| Noncurrent loans to loans | 3.7749% | 1,963 |
| Net loans and leases to total assets | 69.6998% | 2,601 |
| Net loans and leases to deposits | 88.9979% | 1,648 |
| Net loans and leases to core deposits | 91.9408% | 2,506 |
| Total domestic deposits to total assets | 78.3162% | 6,253 |
| Equity capital to assets | 14.7516% | 848 |
| Core capital (leverage) ratio | 12.6642% | 1,252 |
| Tier 1 risk-based capital ratio | 17.1205% | 2,303 |
| Total risk-based capital ratio | 18.3516% | 2,283 |
| Memoranda: | ||
| Average total assets | $124,315,000 | 4,395 |
| Average earning assets | $108,524,400 | 4,495 |
| Average equity | $18,250,600 | 3,388 |
| Average total loans | $90,377,000 | 4,038 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0437% | 858 |
| Cost of funding earning assets | 1.0906% | 5,481 |
| Net interest margin | 4.9531% | 483 |
| Noninterest income to average assets | 1.5576% | 576 |
| Noninterest expense to average assets | 4.1088% | 928 |
| Loan and lease loss provision to assets | 1.1816% | 1,217 |
| Net operating income to assets | 0.4521% | 4,530 |
| Return on assets (ROA) | 0.4587% | 4,680 |
| Pretax return on assets | 0.5983% | 4,599 |
| Return on Equity (ROE) | 3.1282% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.1282% | 4,244 |
| Net charge-offs to loans | 1.3592% | 1,492 |
| Credit loss provision to net charge-offs | 118.9189% | 3,483 |
| Earnings coverage of net charge-offs (x) | 1.7827% | 4,381 |
| Efficiency ratio | 69.6200% | 4,148 |
| Assets per employee ($millions) | 2.4505% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 2,507 |
| Loan loss allowance to noncurrent loans | 69.7493% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 3.3326% | 2,137 |
| Noncurrent loans to loans | 2.7135% | 2,926 |
| Net loans and leases to total assets | 66.4757% | 3,574 |
| Net loans and leases to deposits | 82.5615% | 2,995 |
| Net loans and leases to core deposits | 85.0636% | 3,785 |
| Total domestic deposits to total assets | 80.5166% | 5,536 |
| Equity capital to assets | 13.9268% | 1,189 |
| Core capital (leverage) ratio | 12.3738% | 1,470 |
| Tier 1 risk-based capital ratio | 16.7396% | 2,439 |
| Total risk-based capital ratio | 17.9955% | 2,405 |
| Memoranda: | ||
| Average total assets | $124,119,250 | 4,452 |
| Average earning assets | $108,320,000 | 4,560 |
| Average equity | $18,199,750 | 3,439 |
| Average total loans | $90,739,000 | 4,096 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0723% | 801 |
| Cost of funding earning assets | 1.0814% | 5,773 |
| Net interest margin | 4.9909% | 429 |
| Noninterest income to average assets | 1.4533% | 601 |
| Noninterest expense to average assets | 4.1703% | 844 |
| Loan and lease loss provision to assets | 1.1122% | 1,286 |
| Net operating income to assets | 0.4037% | 4,739 |
| Return on assets (ROA) | 0.4037% | 4,902 |
| Pretax return on assets | 0.5355% | 4,794 |
| Return on Equity (ROE) | 2.7037% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.7037% | 4,415 |
| Net charge-offs to loans | 1.3919% | 1,369 |
| Credit loss provision to net charge-offs | 106.4669% | 3,832 |
| Earnings coverage of net charge-offs (x) | 1.5773% | 4,310 |
| Efficiency ratio | 71.5378% | 3,895 |
| Assets per employee ($millions) | 2.2875% | 7,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 3,265 |
| Loan loss allowance to noncurrent loans | 43.5497% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.8189% | 1,819 |
| Noncurrent loans to loans | 3.7798% | 2,045 |
| Net loans and leases to total assets | 72.9040% | 2,189 |
| Net loans and leases to deposits | 92.2680% | 1,485 |
| Net loans and leases to core deposits | 100.2749% | 1,985 |
| Total domestic deposits to total assets | 79.0133% | 6,035 |
| Equity capital to assets | 14.2498% | 1,089 |
| Core capital (leverage) ratio | 12.3659% | 1,463 |
| Tier 1 risk-based capital ratio | 16.0123% | 2,665 |
| Total risk-based capital ratio | 17.2663% | 2,621 |
| Memoranda: | ||
| Average total assets | $121,383,000 | 4,538 |
| Average earning assets | $106,154,000 | 4,638 |
| Average equity | $18,123,330 | 3,444 |
| Average total loans | $91,097,670 | 4,122 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1176% | 756 |
| Cost of funding earning assets | 1.0325% | 6,215 |
| Net interest margin | 5.0851% | 355 |
| Noninterest income to average assets | 1.1049% | 1,033 |
| Noninterest expense to average assets | 3.9314% | 1,122 |
| Loan and lease loss provision to assets | 1.0167% | 1,226 |
| Net operating income to assets | 0.4270% | 4,723 |
| Return on assets (ROA) | 0.4270% | 4,857 |
| Pretax return on assets | 0.5965% | 4,616 |
| Return on Equity (ROE) | 2.7910% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.7910% | 4,458 |
| Net charge-offs to loans | 0.8658% | 1,814 |
| Credit loss provision to net charge-offs | 155.4404% | 2,299 |
| Earnings coverage of net charge-offs (x) | 2.4663% | 3,310 |
| Efficiency ratio | 70.9046% | 4,132 |
| Assets per employee ($millions) | 2.3175% | 7,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 2,599 |
| Loan loss allowance to noncurrent loans | 67.4948% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.9663% | 2,423 |
| Noncurrent loans to loans | 2.7301% | 2,921 |
| Net loans and leases to total assets | 73.4625% | 2,093 |
| Net loans and leases to deposits | 93.2122% | 1,447 |
| Net loans and leases to core deposits | 104.5729% | 1,692 |
| Total domestic deposits to total assets | 78.8121% | 6,116 |
| Equity capital to assets | 15.3382% | 800 |
| Core capital (leverage) ratio | 13.6190% | 1,049 |
| Tier 1 risk-based capital ratio | 17.1338% | 2,228 |
| Total risk-based capital ratio | 18.3898% | 2,176 |
| Memoranda: | ||
| Average total assets | $118,024,500 | 4,675 |
| Average earning assets | $103,047,000 | 4,783 |
| Average equity | $18,058,000 | 3,470 |
| Average total loans | $89,170,000 | 4,223 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4378% | 760 |
| Cost of funding earning assets | 1.3677% | 6,064 |
| Net interest margin | 5.0702% | 393 |
| Noninterest income to average assets | 1.1898% | 1,087 |
| Noninterest expense to average assets | 3.9564% | 1,429 |
| Loan and lease loss provision to assets | 1.1162% | 2,048 |
| Net operating income to assets | 0.3471% | 4,331 |
| Return on assets (ROA) | 0.4027% | 4,224 |
| Pretax return on assets | 0.6425% | 3,770 |
| Return on Equity (ROE) | 2.7694% | 4,603 |
| Retained earnings to average equity (ytd only) | 2.7694% | 3,224 |
| Net charge-offs to loans | 1.5731% | 1,603 |
| Credit loss provision to net charge-offs | 95.6768% | 5,793 |
| Earnings coverage of net charge-offs (x) | 1.4330% | 4,690 |
| Efficiency ratio | 70.2953% | 4,564 |
| Assets per employee ($millions) | 2.3571% | 7,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 2,908 |
| Loan loss allowance to noncurrent loans | 99.7380% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 2.3444% | 2,956 |
| Noncurrent loans to loans | 1.6989% | 4,095 |
| Net loans and leases to total assets | 74.9724% | 2,039 |
| Net loans and leases to deposits | 97.4533% | 1,160 |
| Net loans and leases to core deposits | 116.1551% | 2,299 |
| Total domestic deposits to total assets | 76.9316% | 6,499 |
| Equity capital to assets | 15.2621% | 853 |
| Core capital (leverage) ratio | 13.1448% | 1,203 |
| Tier 1 risk-based capital ratio | 16.6512% | 2,257 |
| Total risk-based capital ratio | 17.9062% | 2,210 |
| Memoranda: | ||
| Average total assets | $120,941,800 | 4,537 |
| Average earning assets | $105,874,000 | 4,684 |
| Average equity | $17,585,200 | 3,570 |
| Average total loans | $89,695,200 | 4,220 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4136% | 903 |
| Cost of funding earning assets | 1.4340% | 6,106 |
| Net interest margin | 4.9796% | 462 |
| Noninterest income to average assets | 1.1272% | 1,239 |
| Noninterest expense to average assets | 3.9107% | 1,412 |
| Loan and lease loss provision to assets | 0.9311% | 2,067 |
| Net operating income to assets | 0.4501% | 4,193 |
| Return on assets (ROA) | 0.5006% | 4,071 |
| Pretax return on assets | 0.7044% | 3,838 |
| Return on Equity (ROE) | 3.4849% | 4,585 |
| Retained earnings to average equity (ytd only) | 3.4849% | 3,342 |
| Net charge-offs to loans | 1.7475% | 1,159 |
| Credit loss provision to net charge-offs | 72.3404% | 5,939 |
| Earnings coverage of net charge-offs (x) | 1.2153% | 4,859 |
| Efficiency ratio | 71.4286% | 4,340 |
| Assets per employee ($millions) | 2.5211% | 7,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 3,911 |
| Loan loss allowance to noncurrent loans | 76.4420% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 2.2043% | 3,091 |
| Noncurrent loans to loans | 1.8380% | 3,856 |
| Net loans and leases to total assets | 71.5175% | 3,150 |
| Net loans and leases to deposits | 91.6482% | 2,298 |
| Net loans and leases to core deposits | 107.4742% | 3,539 |
| Total domestic deposits to total assets | 78.0348% | 6,081 |
| Equity capital to assets | 14.4238% | 1,166 |
| Core capital (leverage) ratio | 12.5453% | 1,563 |
| Tier 1 risk-based capital ratio | 16.2203% | 2,550 |
| Total risk-based capital ratio | 17.4718% | 2,486 |
| Memoranda: | ||
| Average total assets | $121,713,750 | 4,551 |
| Average earning assets | $106,270,750 | 4,700 |
| Average equity | $17,484,750 | 3,617 |
| Average total loans | $89,648,750 | 4,259 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4037% | 1,004 |
| Cost of funding earning assets | 1.5029% | 6,130 |
| Net interest margin | 4.9009% | 535 |
| Noninterest income to average assets | 1.2650% | 952 |
| Noninterest expense to average assets | 4.0212% | 1,284 |
| Loan and lease loss provision to assets | 0.9083% | 1,858 |
| Net operating income to assets | 0.4252% | 4,399 |
| Return on assets (ROA) | 0.5004% | 4,211 |
| Pretax return on assets | 0.7134% | 3,953 |
| Return on Equity (ROE) | 3.4880% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.4880% | 3,371 |
| Net charge-offs to loans | 1.6038% | 1,181 |
| Credit loss provision to net charge-offs | 76.4951% | 5,292 |
| Earnings coverage of net charge-offs (x) | 1.2754% | 4,571 |
| Efficiency ratio | 72.6432% | 4,272 |
| Assets per employee ($millions) | 2.5279% | 7,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 2,761 |
| Loan loss allowance to noncurrent loans | 73.2402% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.7400% | 2,345 |
| Noncurrent loans to loans | 2.1794% | 3,281 |
| Net loans and leases to total assets | 70.4234% | 3,604 |
| Net loans and leases to deposits | 88.1211% | 3,150 |
| Net loans and leases to core deposits | 100.9162% | 4,410 |
| Total domestic deposits to total assets | 79.9165% | 5,498 |
| Equity capital to assets | 14.1360% | 1,262 |
| Core capital (leverage) ratio | 12.9672% | 1,440 |
| Tier 1 risk-based capital ratio | 16.0080% | 2,623 |
| Total risk-based capital ratio | 17.2610% | 2,562 |
| Memoranda: | ||
| Average total assets | $121,107,670 | 4,598 |
| Average earning assets | $105,532,670 | 4,736 |
| Average equity | $17,373,670 | 3,642 |
| Average total loans | $89,663,000 | 4,287 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4413% | 970 |
| Cost of funding earning assets | 1.5003% | 6,398 |
| Net interest margin | 4.9410% | 468 |
| Noninterest income to average assets | 1.4065% | 711 |
| Noninterest expense to average assets | 4.0325% | 1,148 |
| Loan and lease loss provision to assets | 0.9188% | 1,418 |
| Net operating income to assets | 0.5172% | 4,351 |
| Return on assets (ROA) | 0.6381% | 4,029 |
| Pretax return on assets | 0.9488% | 3,539 |
| Return on Equity (ROE) | 4.4148% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.4148% | 3,460 |
| Net charge-offs to loans | 0.7497% | 1,695 |
| Credit loss provision to net charge-offs | 162.7219% | 2,612 |
| Earnings coverage of net charge-offs (x) | 2.9882% | 3,312 |
| Efficiency ratio | 70.5023% | 4,480 |
| Assets per employee ($millions) | 2.3432% | 7,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 1,663 |
| Loan loss allowance to noncurrent loans | 72.4197% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 3.4568% | 1,559 |
| Noncurrent loans to loans | 2.6003% | 2,535 |
| Net loans and leases to total assets | 72.3085% | 3,174 |
| Net loans and leases to deposits | 90.7962% | 2,811 |
| Net loans and leases to core deposits | 102.3632% | 4,302 |
| Total domestic deposits to total assets | 79.6382% | 5,492 |
| Equity capital to assets | 14.2935% | 1,284 |
| Core capital (leverage) ratio | 13.0176% | 1,478 |
| Tier 1 risk-based capital ratio | 15.8856% | 2,729 |
| Total risk-based capital ratio | 17.1421% | 2,668 |
| Memoranda: | ||
| Average total assets | $119,727,500 | 4,666 |
| Average earning assets | $104,512,500 | 4,789 |
| Average equity | $17,305,500 | 3,672 |
| Average total loans | $90,171,000 | 4,302 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1548% | 808 |
| Cost of funding earning assets | 1.8515% | 6,865 |
| Net interest margin | 5.3033% | 281 |
| Noninterest income to average assets | 1.5172% | 608 |
| Noninterest expense to average assets | 4.2392% | 1,110 |
| Loan and lease loss provision to assets | 0.8188% | 1,815 |
| Net operating income to assets | 0.8044% | 3,418 |
| Return on assets (ROA) | 0.8163% | 3,205 |
| Pretax return on assets | 1.1693% | 2,770 |
| Return on Equity (ROE) | 5.6904% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.9336% | 2,676 |
| Net charge-offs to loans | 0.6574% | 1,888 |
| Credit loss provision to net charge-offs | 164.9573% | 3,121 |
| Earnings coverage of net charge-offs (x) | 3.9709% | 4,159 |
| Efficiency ratio | 68.2607% | 4,679 |
| Assets per employee ($millions) | 2.4502% | 7,300 |
| Cash dividends to net income (ytd only)* | 30.8732% | 4,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 1,768 |
| Loan loss allowance to noncurrent loans | 97.2376% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 3.2004% | 1,426 |
| Noncurrent loans to loans | 1.7991% | 3,058 |
| Net loans and leases to total assets | 75.6422% | 2,722 |
| Net loans and leases to deposits | 100.1790% | 1,817 |
| Net loans and leases to core deposits | 112.5346% | 3,508 |
| Total domestic deposits to total assets | 75.5070% | 6,339 |
| Equity capital to assets | 14.6205% | 1,270 |
| Core capital (leverage) ratio | 12.9431% | 1,562 |
| Tier 1 risk-based capital ratio | 15.4230% | 2,866 |
| Total risk-based capital ratio | 16.6782% | 2,805 |
| Memoranda: | ||
| Average total assets | $117,852,400 | 4,572 |
| Average earning assets | $104,293,400 | 4,668 |
| Average equity | $16,905,600 | 3,755 |
| Average total loans | $88,982,400 | 4,258 |