Home > Woodsville Guaranty Savings Bank > Performance and Condition Ratios
Woodsville Guaranty Savings 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 | 3.8862% | 4,095 |
| Cost of funding earning assets | 1.1647% | 2,895 |
| Net interest margin | 2.7216% | 3,788 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.8227% | 1,452 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.2449% | 4,106 |
| Return on assets (ROA) | 0.2574% | 4,093 |
| Pretax return on assets | 0.2843% | 4,105 |
| Return on Equity (ROE) | 4.8400% | 3,754 |
| Retained earnings to average equity (ytd only) | -0.1125% | 4,096 |
| Net charge-offs to loans | -0.0017% | 3,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 91.6392% | 367 |
| Assets per employee ($millions) | 5.8494% | 2,941 |
| Cash dividends to net income (ytd only)* | 102.3229% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 3,880 |
| Loan loss allowance to noncurrent loans | 576.0402% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 2,847 |
| Noncurrent loans to loans | 0.1451% | 2,791 |
| Net loans and leases to total assets | 69.5900% | 1,856 |
| Net loans and leases to deposits | 84.6806% | 1,719 |
| Net loans and leases to core deposits | 88.7340% | 2,136 |
| Total domestic deposits to total assets | 82.1800% | 3,096 |
| Equity capital to assets | 5.4974% | 4,337 |
| Core capital (leverage) ratio | 8.1714% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0973% | 1,248 |
| Memoranda: | ||
| Average total assets | $669,043,000 | 1,354 |
| Average earning assets | $627,471,000 | 1,328 |
| Average equity | $35,561,000 | 2,033 |
| Average total loans | $474,412,800 | 1,287 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 4,086 |
| Cost of funding earning assets | 1.0917% | 2,766 |
| Net interest margin | 2.7399% | 3,824 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.8059% | 1,423 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.2722% | 4,150 |
| Return on assets (ROA) | 0.2884% | 4,131 |
| Pretax return on assets | 0.3275% | 4,135 |
| Return on Equity (ROE) | 5.4700% | 3,735 |
| Retained earnings to average equity (ytd only) | 0.4451% | 4,052 |
| Net charge-offs to loans | 0.0020% | 2,502 |
| Credit loss provision to net charge-offs | -857.1429% | 4,594 |
| Earnings coverage of net charge-offs (x) | 211.7143% | 574 |
| Efficiency ratio | 90.4270% | 360 |
| Assets per employee ($millions) | 5.4631% | 3,214 |
| Cash dividends to net income (ytd only)* | 91.8694% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 3,914 |
| Loan loss allowance to noncurrent loans | 507.0886% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 2,782 |
| Noncurrent loans to loans | 0.1643% | 2,725 |
| Net loans and leases to total assets | 70.9600% | 1,706 |
| Net loans and leases to deposits | 83.8899% | 1,749 |
| Net loans and leases to core deposits | 89.0739% | 1,991 |
| Total domestic deposits to total assets | 84.5900% | 2,628 |
| Equity capital to assets | 4.6401% | 4,312 |
| Core capital (leverage) ratio | 8.1048% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1364% | 1,285 |
| Memoranda: | ||
| Average total assets | $665,208,500 | 1,357 |
| Average earning assets | $624,088,250 | 1,333 |
| Average equity | $35,045,500 | 2,046 |
| Average total loans | $472,950,500 | 1,287 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 4,126 |
| Cost of funding earning assets | 0.9697% | 2,699 |
| Net interest margin | 2.7443% | 3,915 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.7821% | 1,456 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.2695% | 4,204 |
| Return on assets (ROA) | 0.2899% | 4,195 |
| Pretax return on assets | 0.3279% | 4,202 |
| Return on Equity (ROE) | 5.2900% | 3,845 |
| Retained earnings to average equity (ytd only) | 0.4404% | 3,997 |
| Net charge-offs to loans | -0.0004% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.9181% | 357 |
| Assets per employee ($millions) | 5.3249% | 3,303 |
| Cash dividends to net income (ytd only)* | 91.6753% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 3,888 |
| Loan loss allowance to noncurrent loans | 401.5656% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 2,506 |
| Noncurrent loans to loans | 0.2128% | 2,410 |
| Net loans and leases to total assets | 69.3100% | 1,819 |
| Net loans and leases to deposits | 82.2294% | 1,811 |
| Net loans and leases to core deposits | 87.0779% | 1,999 |
| Total domestic deposits to total assets | 84.2900% | 2,753 |
| Equity capital to assets | 5.2461% | 4,336 |
| Core capital (leverage) ratio | 8.3652% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1205% | 1,294 |
| Memoranda: | ||
| Average total assets | $662,956,000 | 1,356 |
| Average earning assets | $622,230,000 | 1,338 |
| Average equity | $36,334,000 | 2,005 |
| Average total loans | $470,317,667 | 1,279 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 4,035 |
| Cost of funding earning assets | 0.8268% | 2,619 |
| Net interest margin | 2.8653% | 3,841 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.7804% | 1,481 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.3094% | 4,238 |
| Return on assets (ROA) | 0.3115% | 4,197 |
| Pretax return on assets | 0.3681% | 4,176 |
| Return on Equity (ROE) | 5.5600% | 3,792 |
| Retained earnings to average equity (ytd only) | 0.7236% | 3,905 |
| Net charge-offs to loans | 0.0026% | 1,932 |
| Credit loss provision to net charge-offs | 3,500.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 233.3333% | 456 |
| Efficiency ratio | 86.6029% | 484 |
| Assets per employee ($millions) | 5.0689% | 3,604 |
| Cash dividends to net income (ytd only)* | 86.9822% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 3,903 |
| Loan loss allowance to noncurrent loans | 479.5587% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 2,594 |
| Noncurrent loans to loans | 0.1841% | 2,557 |
| Net loans and leases to total assets | 70.8800% | 1,538 |
| Net loans and leases to deposits | 79.9210% | 1,822 |
| Net loans and leases to core deposits | 84.1805% | 1,973 |
| Total domestic deposits to total assets | 88.6800% | 1,666 |
| Equity capital to assets | 5.7562% | 4,273 |
| Core capital (leverage) ratio | 8.4127% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3984% | 1,289 |
| Memoranda: | ||
| Average total assets | $650,980,000 | 1,393 |
| Average earning assets | $611,036,500 | 1,375 |
| Average equity | $36,483,000 | 2,023 |
| Average total loans | $465,383,000 | 1,299 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3769% | 3,410 |
| Cost of funding earning assets | 0.3325% | 2,613 |
| Net interest margin | 3.0444% | 3,321 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7517% | 1,435 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.6535% | 3,750 |
| Return on assets (ROA) | 0.6342% | 3,746 |
| Pretax return on assets | 0.7933% | 3,643 |
| Return on Equity (ROE) | 9.6600% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.4253% | 2,865 |
| Net charge-offs to loans | 0.0014% | 2,515 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,715 |
| Earnings coverage of net charge-offs (x) | 740.8333% | 244 |
| Efficiency ratio | 79.7356% | 737 |
| Assets per employee ($millions) | 4.9471% | 3,715 |
| Cash dividends to net income (ytd only)* | 43.8105% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 3,690 |
| Loan loss allowance to noncurrent loans | 678.8889% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 2,862 |
| Noncurrent loans to loans | 0.1360% | 2,830 |
| Net loans and leases to total assets | 70.8100% | 1,547 |
| Net loans and leases to deposits | 78.7782% | 1,873 |
| Net loans and leases to core deposits | 79.4120% | 2,170 |
| Total domestic deposits to total assets | 89.8900% | 1,417 |
| Equity capital to assets | 5.4511% | 4,253 |
| Core capital (leverage) ratio | 8.4980% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3655% | 1,278 |
| Memoranda: | ||
| Average total assets | $635,605,000 | 1,410 |
| Average earning assets | $597,859,400 | 1,388 |
| Average equity | $41,749,200 | 1,865 |
| Average total loans | $434,993,600 | 1,306 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2830% | 3,226 |
| Cost of funding earning assets | 0.2789% | 2,393 |
| Net interest margin | 3.0041% | 3,206 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.7128% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5824% | 3,879 |
| Return on assets (ROA) | 0.5283% | 3,959 |
| Pretax return on assets | 0.6486% | 3,898 |
| Return on Equity (ROE) | 7.7100% | 3,404 |
| Retained earnings to average equity (ytd only) | 3.6320% | 3,575 |
| Net charge-offs to loans | 0.0009% | 2,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,131.3333% | 129 |
| Efficiency ratio | 79.1305% | 829 |
| Assets per employee ($millions) | 5.2543% | 3,454 |
| Cash dividends to net income (ytd only)* | 52.8731% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 2,969 |
| Loan loss allowance to noncurrent loans | 788.5580% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 2,959 |
| Noncurrent loans to loans | 0.1407% | 2,923 |
| Net loans and leases to total assets | 69.9700% | 1,479 |
| Net loans and leases to deposits | 78.8725% | 1,648 |
| Net loans and leases to core deposits | 79.6617% | 1,926 |
| Total domestic deposits to total assets | 88.7100% | 2,209 |
| Equity capital to assets | 5.1920% | 4,239 |
| Core capital (leverage) ratio | 8.4682% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4505% | 1,298 |
| Memoranda: | ||
| Average total assets | $632,488,500 | 1,425 |
| Average earning assets | $595,576,000 | 1,399 |
| Average equity | $43,354,750 | 1,841 |
| Average total loans | $427,947,250 | 1,312 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1705% | 3,142 |
| Cost of funding earning assets | 0.2602% | 2,139 |
| Net interest margin | 2.9103% | 3,139 |
| Noninterest income to average assets | 0.5927% | 1,775 |
| Noninterest expense to average assets | 2.7253% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5166% | 3,855 |
| Return on assets (ROA) | 0.4606% | 3,936 |
| Pretax return on assets | 0.5470% | 3,928 |
| Return on Equity (ROE) | 6.2082% | 3,529 |
| Retained earnings to average equity (ytd only) | 2.4191% | 3,639 |
| Net charge-offs to loans | 0.0014% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 644.0000% | 213 |
| Efficiency ratio | 81.6210% | 826 |
| Assets per employee ($millions) | 5.0565% | 3,629 |
| Cash dividends to net income (ytd only)* | 61.0345% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 2,811 |
| Loan loss allowance to noncurrent loans | 954.6490% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 3,139 |
| Noncurrent loans to loans | 0.1233% | 3,107 |
| Net loans and leases to total assets | 67.3741% | 1,538 |
| Net loans and leases to deposits | 75.6894% | 1,708 |
| Net loans and leases to core deposits | 76.4533% | 1,979 |
| Total domestic deposits to total assets | 89.0139% | 2,181 |
| Equity capital to assets | 6.3742% | 4,069 |
| Core capital (leverage) ratio | 8.6223% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $629,645,000 | 1,433 |
| Average earning assets | $594,156,333 | 1,421 |
| Average equity | $46,712,333 | 1,772 |
| Average total loans | $419,415,000 | 1,330 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1007% | 2,983 |
| Cost of funding earning assets | 0.2658% | 1,970 |
| Net interest margin | 2.8349% | 3,026 |
| Noninterest income to average assets | 0.5915% | 1,729 |
| Noninterest expense to average assets | 2.6677% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5100% | 3,684 |
| Return on assets (ROA) | 0.4748% | 3,742 |
| Pretax return on assets | 0.5667% | 3,714 |
| Return on Equity (ROE) | 5.9818% | 3,351 |
| Retained earnings to average equity (ytd only) | 2.4358% | 3,424 |
| Net charge-offs to loans | 0.0183% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 50.5263% | 922 |
| Efficiency ratio | 81.4241% | 1,033 |
| Assets per employee ($millions) | 4.7220% | 3,985 |
| Cash dividends to net income (ytd only)* | 59.2790% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,807 |
| Loan loss allowance to noncurrent loans | 832.8904% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 3,125 |
| Noncurrent loans to loans | 0.1453% | 3,079 |
| Net loans and leases to total assets | 66.1612% | 1,393 |
| Net loans and leases to deposits | 75.9058% | 1,456 |
| Net loans and leases to core deposits | 76.7063% | 1,730 |
| Total domestic deposits to total assets | 87.1622% | 2,870 |
| Equity capital to assets | 7.4125% | 3,984 |
| Core capital (leverage) ratio | 8.7012% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $630,967,000 | 1,432 |
| Average earning assets | $597,542,000 | 1,417 |
| Average equity | $50,085,500 | 1,741 |
| Average total loans | $415,389,000 | 1,329 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2381% | 3,379 |
| Cost of funding earning assets | 0.3100% | 2,295 |
| Net interest margin | 2.9281% | 3,379 |
| Noninterest income to average assets | 0.6688% | 1,872 |
| Noninterest expense to average assets | 2.7465% | 1,490 |
| Loan and lease loss provision to assets | 0.0456% | 2,140 |
| Net operating income to assets | 0.5393% | 4,001 |
| Return on assets (ROA) | 0.5686% | 3,986 |
| Pretax return on assets | 0.6884% | 3,952 |
| Return on Equity (ROE) | 6.6818% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.2011% | 3,550 |
| Net charge-offs to loans | 0.0153% | 2,006 |
| Credit loss provision to net charge-offs | 437.5000% | 870 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 1,108 |
| Efficiency ratio | 79.7210% | 823 |
| Assets per employee ($millions) | 4.9111% | 3,811 |
| Cash dividends to net income (ytd only)* | 52.0917% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,847 |
| Loan loss allowance to noncurrent loans | 762.5758% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 3,218 |
| Noncurrent loans to loans | 0.1585% | 3,142 |
| Net loans and leases to total assets | 63.9572% | 1,705 |
| Net loans and leases to deposits | 74.9729% | 1,644 |
| Net loans and leases to core deposits | 75.7866% | 1,939 |
| Total domestic deposits to total assets | 85.3072% | 3,172 |
| Equity capital to assets | 8.4431% | 4,089 |
| Core capital (leverage) ratio | 8.7709% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $613,769,200 | 1,424 |
| Average earning assets | $581,949,800 | 1,407 |
| Average equity | $52,231,800 | 1,698 |
| Average total loans | $419,061,600 | 1,327 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3219% | 3,333 |
| Cost of funding earning assets | 0.3235% | 2,367 |
| Net interest margin | 2.9983% | 3,306 |
| Noninterest income to average assets | 0.6917% | 1,851 |
| Noninterest expense to average assets | 2.7188% | 1,536 |
| Loan and lease loss provision to assets | 0.0615% | 1,765 |
| Net operating income to assets | 0.6156% | 3,978 |
| Return on assets (ROA) | 0.6372% | 3,993 |
| Pretax return on assets | 0.7784% | 3,929 |
| Return on Equity (ROE) | 7.4723% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.2819% | 4,115 |
| Net charge-offs to loans | 0.0083% | 2,007 |
| Credit loss provision to net charge-offs | 1,076.9231% | 496 |
| Earnings coverage of net charge-offs (x) | 142.3077% | 701 |
| Efficiency ratio | 76.9686% | 962 |
| Assets per employee ($millions) | 4.8227% | 3,867 |
| Cash dividends to net income (ytd only)* | 69.4617% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,939 |
| Loan loss allowance to noncurrent loans | 680.0268% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 3,315 |
| Noncurrent loans to loans | 0.1781% | 3,240 |
| Net loans and leases to total assets | 67.0371% | 1,425 |
| Net loans and leases to deposits | 80.1062% | 1,286 |
| Net loans and leases to core deposits | 80.8504% | 1,666 |
| Total domestic deposits to total assets | 83.6853% | 3,543 |
| Equity capital to assets | 8.7650% | 4,026 |
| Core capital (leverage) ratio | 8.8603% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $606,372,750 | 1,451 |
| Average earning assets | $574,482,250 | 1,436 |
| Average equity | $51,710,000 | 1,733 |
| Average total loans | $419,700,750 | 1,349 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1219% | 3,819 |
| Cost of funding earning assets | 0.3411% | 2,393 |
| Net interest margin | 2.7808% | 3,827 |
| Noninterest income to average assets | 0.6952% | 1,826 |
| Noninterest expense to average assets | 2.6818% | 1,637 |
| Loan and lease loss provision to assets | 0.0863% | 1,422 |
| Net operating income to assets | 0.4790% | 4,259 |
| Return on assets (ROA) | 0.5103% | 4,241 |
| Pretax return on assets | 0.5956% | 4,241 |
| Return on Equity (ROE) | 6.0419% | 3,897 |
| Retained earnings to average equity (ytd only) | 0.9114% | 4,364 |
| Net charge-offs to loans | 0.0081% | 1,840 |
| Credit loss provision to net charge-offs | 1,529.4118% | 350 |
| Earnings coverage of net charge-offs (x) | 114.4118% | 690 |
| Efficiency ratio | 80.6024% | 748 |
| Assets per employee ($millions) | 4.5405% | 4,077 |
| Cash dividends to net income (ytd only)* | 84.9155% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,827 |
| Loan loss allowance to noncurrent loans | 794.5055% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 3,520 |
| Noncurrent loans to loans | 0.1534% | 3,436 |
| Net loans and leases to total assets | 67.9319% | 1,450 |
| Net loans and leases to deposits | 81.4310% | 1,284 |
| Net loans and leases to core deposits | 82.2287% | 1,704 |
| Total domestic deposits to total assets | 83.4226% | 3,600 |
| Equity capital to assets | 8.9761% | 3,817 |
| Core capital (leverage) ratio | 8.8383% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $602,727,000 | 1,452 |
| Average earning assets | $570,483,000 | 1,440 |
| Average equity | $50,911,000 | 1,746 |
| Average total loans | $419,967,667 | 1,353 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2785% | 3,505 |
| Cost of funding earning assets | 0.3616% | 2,431 |
| Net interest margin | 2.9170% | 3,475 |
| Noninterest income to average assets | 0.6855% | 1,913 |
| Noninterest expense to average assets | 2.6186% | 1,836 |
| Loan and lease loss provision to assets | 0.1528% | 847 |
| Net operating income to assets | 0.5561% | 4,054 |
| Return on assets (ROA) | 0.5892% | 4,031 |
| Pretax return on assets | 0.7141% | 3,990 |
| Return on Equity (ROE) | 7.2021% | 3,551 |
| Retained earnings to average equity (ytd only) | 1.7944% | 4,055 |
| Net charge-offs to loans | -0.0057% | 3,440 |
| Credit loss provision to net charge-offs | -3,833.3333% | 3,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9977% | 1,139 |
| Assets per employee ($millions) | 4.8739% | 3,779 |
| Cash dividends to net income (ytd only)* | 75.0846% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,944 |
| Loan loss allowance to noncurrent loans | 953.5849% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 3,667 |
| Noncurrent loans to loans | 0.1257% | 3,681 |
| Net loans and leases to total assets | 67.8414% | 1,551 |
| Net loans and leases to deposits | 81.2906% | 1,397 |
| Net loans and leases to core deposits | 81.9938% | 1,840 |
| Total domestic deposits to total assets | 83.4554% | 3,579 |
| Equity capital to assets | 7.9245% | 4,532 |
| Core capital (leverage) ratio | 8.1884% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $602,145,500 | 1,447 |
| Average earning assets | $569,768,500 | 1,430 |
| Average equity | $49,263,500 | 1,782 |
| Average total loans | $422,304,000 | 1,352 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 3,388 |
| Cost of funding earning assets | 0.5320% | 2,734 |
| Net interest margin | 3.2390% | 3,252 |
| Noninterest income to average assets | 0.7504% | 1,689 |
| Noninterest expense to average assets | 2.9506% | 1,543 |
| Loan and lease loss provision to assets | 0.1703% | 2,253 |
| Net operating income to assets | 0.5734% | 3,836 |
| Return on assets (ROA) | 0.5801% | 3,919 |
| Pretax return on assets | 0.6817% | 3,922 |
| Return on Equity (ROE) | 6.4361% | 3,436 |
| Retained earnings to average equity (ytd only) | 1.3291% | 4,099 |
| Net charge-offs to loans | 0.0078% | 3,053 |
| Credit loss provision to net charge-offs | 2,906.2500% | 339 |
| Earnings coverage of net charge-offs (x) | 144.0313% | 604 |
| Efficiency ratio | 77.7536% | 1,053 |
| Assets per employee ($millions) | 4.5750% | 3,838 |
| Cash dividends to net income (ytd only)* | 79.3495% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,261 |
| Loan loss allowance to noncurrent loans | 983.2653% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 3,809 |
| Noncurrent loans to loans | 0.1159% | 3,821 |
| Net loans and leases to total assets | 70.8452% | 1,452 |
| Net loans and leases to deposits | 86.8188% | 1,188 |
| Net loans and leases to core deposits | 87.6636% | 1,725 |
| Total domestic deposits to total assets | 81.6012% | 3,744 |
| Equity capital to assets | 8.4486% | 4,484 |
| Core capital (leverage) ratio | 8.5275% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $545,962,200 | 1,439 |
| Average earning assets | $513,156,200 | 1,424 |
| Average equity | $49,207,200 | 1,719 |
| Average total loans | $412,363,000 | 1,316 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 3,542 |
| Cost of funding earning assets | 0.5615% | 2,859 |
| Net interest margin | 3.2469% | 3,341 |
| Noninterest income to average assets | 0.7161% | 1,746 |
| Noninterest expense to average assets | 2.9567% | 1,542 |
| Loan and lease loss provision to assets | 0.1196% | 2,827 |
| Net operating income to assets | 0.5878% | 3,808 |
| Return on assets (ROA) | 0.5945% | 3,883 |
| Pretax return on assets | 0.6947% | 3,913 |
| Return on Equity (ROE) | 6.4839% | 3,375 |
| Retained earnings to average equity (ytd only) | 1.1500% | 4,203 |
| Net charge-offs to loans | 0.0127% | 2,648 |
| Credit loss provision to net charge-offs | 1,230.7692% | 719 |
| Earnings coverage of net charge-offs (x) | 82.9744% | 902 |
| Efficiency ratio | 78.5667% | 977 |
| Assets per employee ($millions) | 4.1687% | 4,171 |
| Cash dividends to net income (ytd only)* | 82.2642% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,675 |
| Loan loss allowance to noncurrent loans | 532.4786% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 3,687 |
| Noncurrent loans to loans | 0.1893% | 3,635 |
| Net loans and leases to total assets | 76.1173% | 1,076 |
| Net loans and leases to deposits | 93.6567% | 951 |
| Net loans and leases to core deposits | 95.6343% | 1,488 |
| Total domestic deposits to total assets | 81.2727% | 3,596 |
| Equity capital to assets | 8.8226% | 4,239 |
| Core capital (leverage) ratio | 8.7542% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $534,907,500 | 1,448 |
| Average earning assets | $502,005,250 | 1,432 |
| Average equity | $49,043,500 | 1,712 |
| Average total loans | $409,720,500 | 1,318 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 3,779 |
| Cost of funding earning assets | 0.5954% | 2,990 |
| Net interest margin | 3.2377% | 3,561 |
| Noninterest income to average assets | 0.6221% | 2,052 |
| Noninterest expense to average assets | 2.9611% | 1,684 |
| Loan and lease loss provision to assets | 0.0571% | 3,587 |
| Net operating income to assets | 0.5589% | 3,863 |
| Return on assets (ROA) | 0.5692% | 3,912 |
| Pretax return on assets | 0.6469% | 3,975 |
| Return on Equity (ROE) | 6.1260% | 3,462 |
| Retained earnings to average equity (ytd only) | 0.3071% | 4,245 |
| Net charge-offs to loans | 0.0194% | 2,340 |
| Credit loss provision to net charge-offs | 384.6154% | 1,436 |
| Earnings coverage of net charge-offs (x) | 46.6410% | 1,153 |
| Efficiency ratio | 81.0541% | 815 |
| Assets per employee ($millions) | 4.2382% | 4,067 |
| Cash dividends to net income (ytd only)* | 94.9866% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,805 |
| Loan loss allowance to noncurrent loans | 483.3333% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,507 |
| Noncurrent loans to loans | 0.1963% | 3,673 |
| Net loans and leases to total assets | 75.7918% | 1,164 |
| Net loans and leases to deposits | 97.1941% | 713 |
| Net loans and leases to core deposits | 99.3686% | 1,305 |
| Total domestic deposits to total assets | 77.9798% | 4,192 |
| Equity capital to assets | 8.8893% | 4,177 |
| Core capital (leverage) ratio | 9.0667% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $525,619,333 | 1,447 |
| Average earning assets | $492,080,667 | 1,430 |
| Average equity | $48,841,000 | 1,704 |
| Average total loans | $402,051,333 | 1,318 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,751 |
| Cost of funding earning assets | 0.6513% | 3,164 |
| Net interest margin | 3.3618% | 3,420 |
| Noninterest income to average assets | 0.6429% | 1,852 |
| Noninterest expense to average assets | 2.9998% | 1,888 |
| Loan and lease loss provision to assets | 0.0470% | 3,192 |
| Net operating income to assets | 0.6366% | 3,485 |
| Return on assets (ROA) | 0.6366% | 3,549 |
| Pretax return on assets | 0.7408% | 3,565 |
| Return on Equity (ROE) | 6.6935% | 3,071 |
| Retained earnings to average equity (ytd only) | -0.7657% | 4,112 |
| Net charge-offs to loans | 0.0020% | 2,522 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 503.0000% | 123 |
| Efficiency ratio | 79.2020% | 1,219 |
| Assets per employee ($millions) | 3.9101% | 4,035 |
| Cash dividends to net income (ytd only)* | 111.4391% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,619 |
| Loan loss allowance to noncurrent loans | 467.4501% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,543 |
| Noncurrent loans to loans | 0.2174% | 3,702 |
| Net loans and leases to total assets | 76.8031% | 1,165 |
| Net loans and leases to deposits | 98.8467% | 635 |
| Net loans and leases to core deposits | 101.9740% | 1,324 |
| Total domestic deposits to total assets | 77.6992% | 4,266 |
| Equity capital to assets | 9.6997% | 4,041 |
| Core capital (leverage) ratio | 9.4059% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,827,000 | 1,443 |
| Average earning assets | $477,844,500 | 1,428 |
| Average equity | $48,584,500 | 1,705 |
| Average total loans | $390,662,000 | 1,319 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 3,960 |
| Cost of funding earning assets | 0.6982% | 3,164 |
| Net interest margin | 3.4390% | 3,628 |
| Noninterest income to average assets | 0.6888% | 1,854 |
| Noninterest expense to average assets | 3.0024% | 2,011 |
| Loan and lease loss provision to assets | 0.0384% | 3,245 |
| Net operating income to assets | 0.7349% | 3,751 |
| Return on assets (ROA) | 0.7349% | 3,821 |
| Pretax return on assets | 0.8681% | 3,830 |
| Return on Equity (ROE) | 7.8968% | 3,206 |
| Retained earnings to average equity (ytd only) | 3.7261% | 3,125 |
| Net charge-offs to loans | 0.0360% | 2,665 |
| Credit loss provision to net charge-offs | 137.3239% | 1,875 |
| Earnings coverage of net charge-offs (x) | 32.4014% | 1,504 |
| Efficiency ratio | 76.8095% | 1,286 |
| Assets per employee ($millions) | 4.0729% | 3,822 |
| Cash dividends to net income (ytd only)* | 52.8150% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,469 |
| Loan loss allowance to noncurrent loans | 443.9411% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 3,506 |
| Noncurrent loans to loans | 0.2264% | 3,638 |
| Net loans and leases to total assets | 74.6309% | 1,642 |
| Net loans and leases to deposits | 98.0678% | 758 |
| Net loans and leases to core deposits | 101.4563% | 1,446 |
| Total domestic deposits to total assets | 76.1013% | 4,588 |
| Equity capital to assets | 9.3269% | 4,475 |
| Core capital (leverage) ratio | 9.3177% | 4,263 |
| Tier 1 risk-based capital ratio | 16.0367% | 2,391 |
| Total risk-based capital ratio | 17.2881% | 2,338 |
| Memoranda: | ||
| Average total assets | $507,556,800 | 1,409 |
| Average earning assets | $475,251,800 | 1,401 |
| Average equity | $47,234,400 | 1,679 |
| Average total loans | $394,631,200 | 1,282 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,938 |
| Cost of funding earning assets | 0.7024% | 3,215 |
| Net interest margin | 3.4889% | 3,596 |
| Noninterest income to average assets | 0.6921% | 1,817 |
| Noninterest expense to average assets | 2.9914% | 2,004 |
| Loan and lease loss provision to assets | 0.0515% | 2,878 |
| Net operating income to assets | 0.7699% | 3,773 |
| Return on assets (ROA) | 0.7699% | 3,842 |
| Pretax return on assets | 0.9154% | 3,825 |
| Return on Equity (ROE) | 8.2781% | 3,203 |
| Retained earnings to average equity (ytd only) | 5.1196% | 2,838 |
| Net charge-offs to loans | 0.0468% | 2,166 |
| Credit loss provision to net charge-offs | 140.2878% | 1,721 |
| Earnings coverage of net charge-offs (x) | 26.3523% | 1,745 |
| Efficiency ratio | 75.5735% | 1,375 |
| Assets per employee ($millions) | 3.9555% | 3,957 |
| Cash dividends to net income (ytd only)* | 38.1555% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 3,608 |
| Loan loss allowance to noncurrent loans | 419.9143% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,565 |
| Noncurrent loans to loans | 0.2362% | 3,695 |
| Net loans and leases to total assets | 77.3175% | 1,263 |
| Net loans and leases to deposits | 101.5716% | 526 |
| Net loans and leases to core deposits | 105.3827% | 1,227 |
| Total domestic deposits to total assets | 76.1212% | 4,639 |
| Equity capital to assets | 9.5889% | 4,399 |
| Core capital (leverage) ratio | 9.3646% | 4,310 |
| Tier 1 risk-based capital ratio | 15.8829% | 2,477 |
| Total risk-based capital ratio | 17.1339% | 2,410 |
| Memoranda: | ||
| Average total assets | $505,132,250 | 1,419 |
| Average earning assets | $472,875,750 | 1,410 |
| Average equity | $46,982,000 | 1,689 |
| Average total loans | $395,801,000 | 1,286 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 3,981 |
| Cost of funding earning assets | 0.6956% | 3,190 |
| Net interest margin | 3.4797% | 3,661 |
| Noninterest income to average assets | 0.6427% | 1,958 |
| Noninterest expense to average assets | 2.9782% | 2,062 |
| Loan and lease loss provision to assets | 0.0475% | 2,864 |
| Net operating income to assets | 0.7441% | 3,856 |
| Return on assets (ROA) | 0.7441% | 3,916 |
| Pretax return on assets | 0.8836% | 3,896 |
| Return on Equity (ROE) | 8.0844% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.0409% | 2,751 |
| Net charge-offs to loans | 0.0434% | 2,029 |
| Credit loss provision to net charge-offs | 139.5349% | 1,570 |
| Earnings coverage of net charge-offs (x) | 27.3256% | 1,546 |
| Efficiency ratio | 76.1808% | 1,368 |
| Assets per employee ($millions) | 3.8051% | 4,119 |
| Cash dividends to net income (ytd only)* | 37.6464% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,712 |
| Loan loss allowance to noncurrent loans | 364.3324% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,441 |
| Noncurrent loans to loans | 0.2703% | 3,563 |
| Net loans and leases to total assets | 78.1165% | 1,200 |
| Net loans and leases to deposits | 104.7297% | 392 |
| Net loans and leases to core deposits | 109.1267% | 1,026 |
| Total domestic deposits to total assets | 74.5887% | 4,792 |
| Equity capital to assets | 9.4953% | 4,405 |
| Core capital (leverage) ratio | 9.3852% | 4,267 |
| Tier 1 risk-based capital ratio | 15.4282% | 2,651 |
| Total risk-based capital ratio | 16.6791% | 2,576 |
| Memoranda: | ||
| Average total assets | $504,741,000 | 1,421 |
| Average earning assets | $473,831,670 | 1,405 |
| Average equity | $46,459,670 | 1,698 |
| Average total loans | $395,939,670 | 1,286 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 3,955 |
| Cost of funding earning assets | 0.6843% | 3,131 |
| Net interest margin | 3.4870% | 3,629 |
| Noninterest income to average assets | 0.5731% | 2,167 |
| Noninterest expense to average assets | 2.8855% | 2,314 |
| Loan and lease loss provision to assets | 0.0237% | 3,121 |
| Net operating income to assets | 0.7819% | 3,678 |
| Return on assets (ROA) | 0.7819% | 3,730 |
| Pretax return on assets | 0.9392% | 3,642 |
| Return on Equity (ROE) | 8.6294% | 2,976 |
| Retained earnings to average equity (ytd only) | 5.8285% | 2,533 |
| Net charge-offs to loans | 0.0606% | 1,431 |
| Credit loss provision to net charge-offs | 50.0000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 20.3000% | 1,562 |
| Efficiency ratio | 74.9795% | 1,613 |
| Assets per employee ($millions) | 3.8579% | 4,109 |
| Cash dividends to net income (ytd only)* | 32.4570% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 3,847 |
| Loan loss allowance to noncurrent loans | 290.6818% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 3,280 |
| Noncurrent loans to loans | 0.3351% | 3,375 |
| Net loans and leases to total assets | 77.7671% | 1,198 |
| Net loans and leases to deposits | 102.2314% | 484 |
| Net loans and leases to core deposits | 107.2334% | 1,087 |
| Total domestic deposits to total assets | 76.0697% | 4,752 |
| Equity capital to assets | 9.2721% | 4,459 |
| Core capital (leverage) ratio | 9.1979% | 4,476 |
| Tier 1 risk-based capital ratio | 15.0900% | 2,847 |
| Total risk-based capital ratio | 16.3405% | 2,759 |
| Memoranda: | ||
| Average total assets | $505,977,500 | 1,420 |
| Average earning assets | $475,257,000 | 1,403 |
| Average equity | $45,843,500 | 1,711 |
| Average total loans | $395,781,500 | 1,291 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 3,834 |
| Cost of funding earning assets | 0.5647% | 2,959 |
| Net interest margin | 3.5071% | 3,682 |
| Noninterest income to average assets | 0.6418% | 2,081 |
| Noninterest expense to average assets | 2.9505% | 2,189 |
| Loan and lease loss provision to assets | 0.1102% | 1,994 |
| Net operating income to assets | 0.7409% | 3,999 |
| Return on assets (ROA) | 0.7348% | 4,027 |
| Pretax return on assets | 0.8672% | 3,981 |
| Return on Equity (ROE) | 8.3633% | 3,291 |
| Retained earnings to average equity (ytd only) | 5.4083% | 2,531 |
| Net charge-offs to loans | 0.0479% | 2,475 |
| Credit loss provision to net charge-offs | 294.1176% | 1,040 |
| Earnings coverage of net charge-offs (x) | 26.2834% | 1,733 |
| Efficiency ratio | 74.9796% | 1,499 |
| Assets per employee ($millions) | 4.0834% | 3,770 |
| Cash dividends to net income (ytd only)* | 35.3326% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,849 |
| Loan loss allowance to noncurrent loans | 251.4304% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 3,100 |
| Noncurrent loans to loans | 0.3867% | 3,148 |
| Net loans and leases to total assets | 77.1580% | 1,414 |
| Net loans and leases to deposits | 101.2916% | 640 |
| Net loans and leases to core deposits | 106.5775% | 1,222 |
| Total domestic deposits to total assets | 76.1741% | 4,736 |
| Equity capital to assets | 8.8524% | 4,693 |
| Core capital (leverage) ratio | 9.0197% | 4,637 |
| Tier 1 risk-based capital ratio | 14.6394% | 2,996 |
| Total risk-based capital ratio | 15.8895% | 2,919 |
| Memoranda: | ||
| Average total assets | $499,199,800 | 1,408 |
| Average earning assets | $468,764,600 | 1,390 |
| Average equity | $43,858,400 | 1,704 |
| Average total loans | $390,094,800 | 1,280 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,792 |
| Cost of funding earning assets | 0.5428% | 2,914 |
| Net interest margin | 3.5049% | 3,682 |
| Noninterest income to average assets | 0.6433% | 2,106 |
| Noninterest expense to average assets | 2.9390% | 2,196 |
| Loan and lease loss provision to assets | 0.1209% | 1,674 |
| Net operating income to assets | 0.7398% | 4,109 |
| Return on assets (ROA) | 0.7523% | 4,077 |
| Pretax return on assets | 0.8899% | 4,053 |
| Return on Equity (ROE) | 8.5799% | 3,300 |
| Retained earnings to average equity (ytd only) | 5.5934% | 2,892 |
| Net charge-offs to loans | 0.0299% | 2,494 |
| Credit loss provision to net charge-offs | 517.2414% | 682 |
| Earnings coverage of net charge-offs (x) | 42.6197% | 1,302 |
| Efficiency ratio | 74.6894% | 1,494 |
| Assets per employee ($millions) | 4.0984% | 3,733 |
| Cash dividends to net income (ytd only)* | 34.8091% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 3,975 |
| Loan loss allowance to noncurrent loans | 197.2959% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 3,133 |
| Noncurrent loans to loans | 0.4891% | 2,922 |
| Net loans and leases to total assets | 78.7203% | 1,213 |
| Net loans and leases to deposits | 103.6696% | 567 |
| Net loans and leases to core deposits | 108.4598% | 1,137 |
| Total domestic deposits to total assets | 75.9338% | 4,794 |
| Equity capital to assets | 8.7245% | 4,778 |
| Core capital (leverage) ratio | 8.9106% | 4,791 |
| Tier 1 risk-based capital ratio | 14.1844% | 3,278 |
| Total risk-based capital ratio | 15.4347% | 3,191 |
| Memoranda: | ||
| Average total assets | $496,392,750 | 1,423 |
| Average earning assets | $466,188,750 | 1,401 |
| Average equity | $43,526,750 | 1,715 |
| Average total loans | $388,192,750 | 1,292 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 3,770 |
| Cost of funding earning assets | 0.5004% | 3,008 |
| Net interest margin | 3.5046% | 3,611 |
| Noninterest income to average assets | 0.6282% | 2,188 |
| Noninterest expense to average assets | 2.9270% | 2,266 |
| Loan and lease loss provision to assets | 0.1215% | 1,619 |
| Net operating income to assets | 0.7483% | 4,038 |
| Return on assets (ROA) | 0.6253% | 4,424 |
| Pretax return on assets | 0.7241% | 4,449 |
| Return on Equity (ROE) | 7.1193% | 3,867 |
| Retained earnings to average equity (ytd only) | 4.3389% | 3,430 |
| Net charge-offs to loans | 0.0276% | 2,301 |
| Credit loss provision to net charge-offs | 566.0377% | 656 |
| Earnings coverage of net charge-offs (x) | 46.0566% | 1,191 |
| Efficiency ratio | 74.7518% | 1,601 |
| Assets per employee ($millions) | 3.9873% | 3,917 |
| Cash dividends to net income (ytd only)* | 39.0544% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 4,099 |
| Loan loss allowance to noncurrent loans | 182.6595% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,110 |
| Noncurrent loans to loans | 0.5219% | 2,855 |
| Net loans and leases to total assets | 76.9431% | 1,475 |
| Net loans and leases to deposits | 102.3686% | 637 |
| Net loans and leases to core deposits | 107.7702% | 1,130 |
| Total domestic deposits to total assets | 75.1628% | 4,941 |
| Equity capital to assets | 8.5913% | 4,878 |
| Core capital (leverage) ratio | 8.9891% | 4,698 |
| Tier 1 risk-based capital ratio | 13.8673% | 3,430 |
| Total risk-based capital ratio | 15.0779% | 3,358 |
| Memoranda: | ||
| Average total assets | $493,820,670 | 1,432 |
| Average earning assets | $463,214,670 | 1,414 |
| Average equity | $43,375,330 | 1,727 |
| Average total loans | $384,022,670 | 1,299 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 3,579 |
| Cost of funding earning assets | 0.4677% | 3,063 |
| Net interest margin | 3.5409% | 3,385 |
| Noninterest income to average assets | 0.6055% | 2,231 |
| Noninterest expense to average assets | 2.9175% | 2,298 |
| Loan and lease loss provision to assets | 0.1231% | 1,532 |
| Net operating income to assets | 0.7752% | 3,811 |
| Return on assets (ROA) | 0.5989% | 4,437 |
| Pretax return on assets | 0.6851% | 4,487 |
| Return on Equity (ROE) | 6.7420% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.9529% | 3,608 |
| Net charge-offs to loans | 0.0158% | 2,204 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 82.1333% | 694 |
| Efficiency ratio | 74.2690% | 1,864 |
| Assets per employee ($millions) | 3.9414% | 4,078 |
| Cash dividends to net income (ytd only)* | 41.3699% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 4,211 |
| Loan loss allowance to noncurrent loans | 174.4487% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 3,106 |
| Noncurrent loans to loans | 0.5451% | 2,894 |
| Net loans and leases to total assets | 78.8213% | 1,113 |
| Net loans and leases to deposits | 100.1466% | 700 |
| Net loans and leases to core deposits | 110.5363% | 967 |
| Total domestic deposits to total assets | 78.7059% | 4,625 |
| Equity capital to assets | 8.9860% | 4,572 |
| Core capital (leverage) ratio | 8.9234% | 4,769 |
| Tier 1 risk-based capital ratio | 14.0629% | 3,348 |
| Total risk-based capital ratio | 15.2689% | 3,285 |
| Memoranda: | ||
| Average total assets | $487,540,000 | 1,453 |
| Average earning assets | $457,511,000 | 1,439 |
| Average equity | $43,310,500 | 1,737 |
| Average total loans | $379,346,000 | 1,322 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 3,537 |
| Cost of funding earning assets | 0.5252% | 2,139 |
| Net interest margin | 3.4331% | 3,741 |
| Noninterest income to average assets | 0.6630% | 2,126 |
| Noninterest expense to average assets | 3.0209% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6066% | 3,982 |
| Return on assets (ROA) | 0.8045% | 3,180 |
| Pretax return on assets | 1.1310% | 3,057 |
| Return on Equity (ROE) | 9.1003% | 2,267 |
| Retained earnings to average equity (ytd only) | 6.0906% | 1,490 |
| Net charge-offs to loans | -0.1258% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9936% | 1,351 |
| Assets per employee ($millions) | 3.8612% | 4,181 |
| Cash dividends to net income (ytd only)* | 33.0721% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,308 |
| Loan loss allowance to noncurrent loans | 183.6478% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,319 |
| Noncurrent loans to loans | 0.5074% | 3,000 |
| Net loans and leases to total assets | 75.3773% | 1,700 |
| Net loans and leases to deposits | 96.9611% | 997 |
| Net loans and leases to core deposits | 107.9554% | 1,133 |
| Total domestic deposits to total assets | 77.7397% | 4,755 |
| Equity capital to assets | 8.7837% | 4,906 |
| Core capital (leverage) ratio | 8.7960% | 4,867 |
| Tier 1 risk-based capital ratio | 14.0064% | 3,356 |
| Total risk-based capital ratio | 15.2891% | 3,244 |
| Memoranda: | ||
| Average total assets | $475,843,800 | 1,459 |
| Average earning assets | $444,963,800 | 1,450 |
| Average equity | $42,064,600 | 1,771 |
| Average total loans | $367,318,400 | 1,319 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,454 |
| Cost of funding earning assets | 0.5327% | 2,012 |
| Net interest margin | 3.4402% | 3,709 |
| Noninterest income to average assets | 0.6595% | 2,167 |
| Noninterest expense to average assets | 3.0407% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6321% | 4,266 |
| Return on assets (ROA) | 0.7962% | 3,583 |
| Pretax return on assets | 1.0502% | 3,489 |
| Return on Equity (ROE) | 8.9914% | 2,604 |
| Retained earnings to average equity (ytd only) | 5.9112% | 2,303 |
| Net charge-offs to loans | -0.2012% | 5,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4682% | 1,268 |
| Assets per employee ($millions) | 3.8320% | 4,261 |
| Cash dividends to net income (ytd only)* | 34.2572% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 4,277 |
| Loan loss allowance to noncurrent loans | 164.0932% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,142 |
| Noncurrent loans to loans | 0.5854% | 2,941 |
| Net loans and leases to total assets | 77.3143% | 1,381 |
| Net loans and leases to deposits | 102.0237% | 615 |
| Net loans and leases to core deposits | 109.7669% | 1,042 |
| Total domestic deposits to total assets | 75.7807% | 5,044 |
| Equity capital to assets | 8.9503% | 4,954 |
| Core capital (leverage) ratio | 8.8023% | 4,965 |
| Tier 1 risk-based capital ratio | 13.4943% | 3,707 |
| Total risk-based capital ratio | 14.7982% | 3,588 |
| Memoranda: | ||
| Average total assets | $471,246,250 | 1,486 |
| Average earning assets | $440,471,250 | 1,476 |
| Average equity | $41,727,750 | 1,805 |
| Average total loans | $365,137,000 | 1,340 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 3,395 |
| Cost of funding earning assets | 0.5361% | 1,869 |
| Net interest margin | 3.4067% | 3,749 |
| Noninterest income to average assets | 0.6534% | 2,190 |
| Noninterest expense to average assets | 3.0585% | 1,945 |
| Loan and lease loss provision to assets | 0.1067% | 1,904 |
| Net operating income to assets | 0.5207% | 4,648 |
| Return on assets (ROA) | 0.7344% | 3,755 |
| Pretax return on assets | 0.9431% | 3,786 |
| Return on Equity (ROE) | 8.3248% | 2,862 |
| Retained earnings to average equity (ytd only) | 5.4999% | 2,404 |
| Net charge-offs to loans | -0.0701% | 5,301 |
| Credit loss provision to net charge-offs | -196.8504% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7663% | 1,230 |
| Assets per employee ($millions) | 3.7276% | 4,395 |
| Cash dividends to net income (ytd only)* | 33.9338% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,537 |
| Loan loss allowance to noncurrent loans | 279.9345% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 3,947 |
| Noncurrent loans to loans | 0.3301% | 3,856 |
| Net loans and leases to total assets | 77.4145% | 1,330 |
| Net loans and leases to deposits | 103.5572% | 522 |
| Net loans and leases to core deposits | 111.2843% | 936 |
| Total domestic deposits to total assets | 74.7553% | 5,228 |
| Equity capital to assets | 8.8726% | 5,015 |
| Core capital (leverage) ratio | 8.9184% | 4,817 |
| Tier 1 risk-based capital ratio | 13.2085% | 3,871 |
| Total risk-based capital ratio | 14.4257% | 3,800 |
| Memoranda: | ||
| Average total assets | $468,660,670 | 1,497 |
| Average earning assets | $437,612,330 | 1,495 |
| Average equity | $41,346,330 | 1,816 |
| Average total loans | $362,206,000 | 1,348 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 3,420 |
| Cost of funding earning assets | 0.5434% | 1,762 |
| Net interest margin | 3.3511% | 3,842 |
| Noninterest income to average assets | 0.6477% | 2,191 |
| Noninterest expense to average assets | 3.0857% | 1,901 |
| Loan and lease loss provision to assets | 0.1287% | 1,494 |
| Net operating income to assets | 0.4487% | 4,786 |
| Return on assets (ROA) | 0.6408% | 4,015 |
| Pretax return on assets | 0.8055% | 4,093 |
| Return on Equity (ROE) | 7.2847% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.4371% | 3,210 |
| Net charge-offs to loans | -0.1016% | 5,447 |
| Credit loss provision to net charge-offs | -164.8352% | 4,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6387% | 1,191 |
| Assets per employee ($millions) | 3.8558% | 4,251 |
| Cash dividends to net income (ytd only)* | 39.0897% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 4,711 |
| Loan loss allowance to noncurrent loans | 256.2842% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 3,856 |
| Noncurrent loans to loans | 0.3560% | 3,816 |
| Net loans and leases to total assets | 76.4292% | 1,340 |
| Net loans and leases to deposits | 101.2312% | 539 |
| Net loans and leases to core deposits | 107.8936% | 983 |
| Total domestic deposits to total assets | 75.4996% | 5,287 |
| Equity capital to assets | 8.8620% | 4,944 |
| Core capital (leverage) ratio | 8.7461% | 5,004 |
| Tier 1 risk-based capital ratio | 13.1651% | 3,982 |
| Total risk-based capital ratio | 14.3955% | 3,905 |
| Memoranda: | ||
| Average total assets | $466,286,000 | 1,510 |
| Average earning assets | $435,794,500 | 1,505 |
| Average equity | $41,017,500 | 1,823 |
| Average total loans | $358,356,000 | 1,371 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 3,415 |
| Cost of funding earning assets | 0.5755% | 1,513 |
| Net interest margin | 3.3646% | 3,942 |
| Noninterest income to average assets | 0.6590% | 2,374 |
| Noninterest expense to average assets | 3.0895% | 2,071 |
| Loan and lease loss provision to assets | 0.2141% | 1,048 |
| Net operating income to assets | 0.4130% | 4,898 |
| Return on assets (ROA) | 0.6009% | 4,312 |
| Pretax return on assets | 0.7121% | 4,452 |
| Return on Equity (ROE) | 6.6187% | 3,682 |
| Retained earnings to average equity (ytd only) | 3.5303% | 3,421 |
| Net charge-offs to loans | 0.2818% | 976 |
| Credit loss provision to net charge-offs | 99.3757% | 2,621 |
| Earnings coverage of net charge-offs (x) | 3.2612% | 3,701 |
| Efficiency ratio | 81.4754% | 1,263 |
| Assets per employee ($millions) | 3.6694% | 4,518 |
| Cash dividends to net income (ytd only)* | 46.6617% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 4,952 |
| Loan loss allowance to noncurrent loans | 250.7832% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 3,947 |
| Noncurrent loans to loans | 0.3399% | 3,917 |
| Net loans and leases to total assets | 75.9206% | 1,526 |
| Net loans and leases to deposits | 100.3910% | 647 |
| Net loans and leases to core deposits | 108.8099% | 974 |
| Total domestic deposits to total assets | 75.6249% | 5,279 |
| Equity capital to assets | 8.7312% | 5,075 |
| Core capital (leverage) ratio | 8.7692% | 5,002 |
| Tier 1 risk-based capital ratio | 13.0064% | 4,075 |
| Total risk-based capital ratio | 14.1277% | 4,042 |
| Memoranda: | ||
| Average total assets | $446,151,000 | 1,523 |
| Average earning assets | $415,446,200 | 1,513 |
| Average equity | $40,506,600 | 1,830 |
| Average total loans | $340,991,400 | 1,373 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 3,393 |
| Cost of funding earning assets | 0.5811% | 1,475 |
| Net interest margin | 3.3746% | 3,941 |
| Noninterest income to average assets | 0.6422% | 2,467 |
| Noninterest expense to average assets | 3.1496% | 1,899 |
| Loan and lease loss provision to assets | 0.2523% | 743 |
| Net operating income to assets | 0.3244% | 5,230 |
| Return on assets (ROA) | 0.5630% | 4,547 |
| Pretax return on assets | 0.6624% | 4,705 |
| Return on Equity (ROE) | 6.1391% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.1700% | 4,014 |
| Net charge-offs to loans | 0.3173% | 730 |
| Credit loss provision to net charge-offs | 104.1147% | 2,298 |
| Earnings coverage of net charge-offs (x) | 2.6159% | 3,545 |
| Efficiency ratio | 83.2428% | 1,050 |
| Assets per employee ($millions) | 3.6868% | 4,497 |
| Cash dividends to net income (ytd only)* | 48.3627% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,951 |
| Loan loss allowance to noncurrent loans | 182.3669% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 3,556 |
| Noncurrent loans to loans | 0.4806% | 3,569 |
| Net loans and leases to total assets | 76.8670% | 1,388 |
| Net loans and leases to deposits | 104.8907% | 416 |
| Net loans and leases to core deposits | 109.0383% | 980 |
| Total domestic deposits to total assets | 73.2830% | 5,496 |
| Equity capital to assets | 9.0449% | 5,132 |
| Core capital (leverage) ratio | 8.8883% | 4,954 |
| Tier 1 risk-based capital ratio | 13.2229% | 4,021 |
| Total risk-based capital ratio | 14.3700% | 3,994 |
| Memoranda: | ||
| Average total assets | $441,184,750 | 1,539 |
| Average earning assets | $410,701,250 | 1,529 |
| Average equity | $40,461,000 | 1,840 |
| Average total loans | $337,028,250 | 1,391 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,338 |
| Cost of funding earning assets | 0.5777% | 1,481 |
| Net interest margin | 3.3944% | 3,918 |
| Noninterest income to average assets | 0.6113% | 2,562 |
| Noninterest expense to average assets | 3.1943% | 1,820 |
| Loan and lease loss provision to assets | 0.1670% | 1,342 |
| Net operating income to assets | 0.3516% | 5,176 |
| Return on assets (ROA) | 0.5912% | 4,437 |
| Pretax return on assets | 0.6937% | 4,635 |
| Return on Equity (ROE) | 6.4158% | 3,844 |
| Retained earnings to average equity (ytd only) | 3.5158% | 3,661 |
| Net charge-offs to loans | 0.2643% | 914 |
| Credit loss provision to net charge-offs | 83.1435% | 2,334 |
| Earnings coverage of net charge-offs (x) | 2.8815% | 3,199 |
| Efficiency ratio | 84.6592% | 993 |
| Assets per employee ($millions) | 3.5283% | 4,706 |
| Cash dividends to net income (ytd only)* | 45.2012% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 5,058 |
| Loan loss allowance to noncurrent loans | 105.0883% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 2,782 |
| Noncurrent loans to loans | 0.8274% | 2,676 |
| Net loans and leases to total assets | 76.2668% | 1,451 |
| Net loans and leases to deposits | 104.3349% | 445 |
| Net loans and leases to core deposits | 107.8069% | 1,044 |
| Total domestic deposits to total assets | 73.0981% | 5,598 |
| Equity capital to assets | 9.2405% | 5,032 |
| Core capital (leverage) ratio | 9.0753% | 4,743 |
| Tier 1 risk-based capital ratio | 12.9724% | 4,221 |
| Total risk-based capital ratio | 14.1047% | 4,195 |
| Memoranda: | ||
| Average total assets | $437,085,670 | 1,553 |
| Average earning assets | $407,138,330 | 1,541 |
| Average equity | $40,275,670 | 1,845 |
| Average total loans | $332,151,000 | 1,404 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 3,307 |
| Cost of funding earning assets | 0.5755% | 1,507 |
| Net interest margin | 3.4003% | 3,866 |
| Noninterest income to average assets | 0.5649% | 2,718 |
| Noninterest expense to average assets | 3.1707% | 1,904 |
| Loan and lease loss provision to assets | 0.2261% | 825 |
| Net operating income to assets | 0.2741% | 5,369 |
| Return on assets (ROA) | 0.6480% | 4,106 |
| Pretax return on assets | 0.7929% | 4,215 |
| Return on Equity (ROE) | 7.0423% | 3,431 |
| Retained earnings to average equity (ytd only) | 4.1130% | 3,430 |
| Net charge-offs to loans | 0.5171% | 419 |
| Credit loss provision to net charge-offs | 57.9196% | 1,991 |
| Earnings coverage of net charge-offs (x) | 1.4421% | 2,819 |
| Efficiency ratio | 84.9197% | 1,072 |
| Assets per employee ($millions) | 3.4676% | 4,860 |
| Cash dividends to net income (ytd only)* | 41.5954% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 5,159 |
| Loan loss allowance to noncurrent loans | 124.2424% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 3,067 |
| Noncurrent loans to loans | 0.6990% | 3,095 |
| Net loans and leases to total assets | 76.1855% | 1,365 |
| Net loans and leases to deposits | 101.5657% | 528 |
| Net loans and leases to core deposits | 106.2625% | 1,062 |
| Total domestic deposits to total assets | 75.0110% | 5,521 |
| Equity capital to assets | 9.3694% | 4,814 |
| Core capital (leverage) ratio | 9.0654% | 4,777 |
| Tier 1 risk-based capital ratio | 13.2916% | 4,101 |
| Total risk-based capital ratio | 14.3952% | 4,090 |
| Memoranda: | ||
| Average total assets | $433,345,000 | 1,569 |
| Average earning assets | $403,852,000 | 1,553 |
| Average equity | $39,873,500 | 1,855 |
| Average total loans | $327,211,000 | 1,414 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 2,862 |
| Cost of funding earning assets | 0.6030% | 1,341 |
| Net interest margin | 3.5109% | 3,484 |
| Noninterest income to average assets | 0.6141% | 2,647 |
| Noninterest expense to average assets | 3.1605% | 2,062 |
| Loan and lease loss provision to assets | 0.0953% | 2,412 |
| Net operating income to assets | 0.5231% | 4,607 |
| Return on assets (ROA) | 0.6077% | 4,332 |
| Pretax return on assets | 0.7270% | 4,447 |
| Return on Equity (ROE) | 6.3074% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.1596% | 3,039 |
| Net charge-offs to loans | 0.1783% | 1,607 |
| Credit loss provision to net charge-offs | 70.6714% | 3,115 |
| Earnings coverage of net charge-offs (x) | 5.3534% | 3,406 |
| Efficiency ratio | 81.4133% | 1,488 |
| Assets per employee ($millions) | 3.5218% | 4,798 |
| Cash dividends to net income (ytd only)* | 34.0517% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 4,912 |
| Loan loss allowance to noncurrent loans | 158.2555% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 3,127 |
| Noncurrent loans to loans | 0.5945% | 3,385 |
| Net loans and leases to total assets | 73.4862% | 1,810 |
| Net loans and leases to deposits | 98.4607% | 787 |
| Net loans and leases to core deposits | 103.3004% | 1,279 |
| Total domestic deposits to total assets | 74.6350% | 5,588 |
| Equity capital to assets | 9.0359% | 5,089 |
| Core capital (leverage) ratio | 8.9656% | 4,922 |
| Tier 1 risk-based capital ratio | 13.4245% | 4,042 |
| Total risk-based capital ratio | 14.5656% | 4,043 |
| Memoranda: | ||
| Average total assets | $419,936,600 | 1,576 |
| Average earning assets | $390,867,800 | 1,560 |
| Average equity | $40,460,200 | 1,777 |
| Average total loans | $317,396,000 | 1,397 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 2,756 |
| Cost of funding earning assets | 0.6138% | 1,317 |
| Net interest margin | 3.5348% | 3,409 |
| Noninterest income to average assets | 0.6193% | 2,637 |
| Noninterest expense to average assets | 3.1935% | 1,983 |
| Loan and lease loss provision to assets | 0.0722% | 2,732 |
| Net operating income to assets | 0.5368% | 4,646 |
| Return on assets (ROA) | 0.6122% | 4,429 |
| Pretax return on assets | 0.7328% | 4,559 |
| Return on Equity (ROE) | 6.2522% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.0742% | 3,561 |
| Net charge-offs to loans | 0.2246% | 1,163 |
| Credit loss provision to net charge-offs | 42.2932% | 3,137 |
| Earnings coverage of net charge-offs (x) | 4.1917% | 3,385 |
| Efficiency ratio | 81.7033% | 1,440 |
| Assets per employee ($millions) | 3.4312% | 4,924 |
| Cash dividends to net income (ytd only)* | 34.8348% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 5,241 |
| Loan loss allowance to noncurrent loans | 143.8397% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 3,407 |
| Noncurrent loans to loans | 0.6184% | 3,464 |
| Net loans and leases to total assets | 75.5151% | 1,458 |
| Net loans and leases to deposits | 100.1809% | 652 |
| Net loans and leases to core deposits | 108.2318% | 968 |
| Total domestic deposits to total assets | 75.3787% | 5,590 |
| Equity capital to assets | 9.5991% | 4,638 |
| Core capital (leverage) ratio | 9.5396% | 4,251 |
| Tier 1 risk-based capital ratio | 14.1630% | 3,755 |
| Total risk-based capital ratio | 15.2149% | 3,805 |
| Memoranda: | ||
| Average total assets | $415,744,750 | 1,603 |
| Average earning assets | $386,882,750 | 1,586 |
| Average equity | $40,710,250 | 1,787 |
| Average total loans | $315,753,750 | 1,408 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 2,602 |
| Cost of funding earning assets | 0.6263% | 1,251 |
| Net interest margin | 3.5584% | 3,252 |
| Noninterest income to average assets | 0.6121% | 2,669 |
| Noninterest expense to average assets | 3.2570% | 1,828 |
| Loan and lease loss provision to assets | 0.0729% | 2,650 |
| Net operating income to assets | 0.5098% | 4,724 |
| Return on assets (ROA) | 0.6131% | 4,402 |
| Pretax return on assets | 0.7113% | 4,623 |
| Return on Equity (ROE) | 6.2185% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.0339% | 3,446 |
| Net charge-offs to loans | 0.2967% | 883 |
| Credit loss provision to net charge-offs | 32.3974% | 2,900 |
| Earnings coverage of net charge-offs (x) | 2.9503% | 3,265 |
| Efficiency ratio | 83.0626% | 1,361 |
| Assets per employee ($millions) | 3.2703% | 5,211 |
| Cash dividends to net income (ytd only)* | 35.1308% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 5,239 |
| Loan loss allowance to noncurrent loans | 106.4197% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 3,124 |
| Noncurrent loans to loans | 0.8600% | 2,976 |
| Net loans and leases to total assets | 75.0342% | 1,498 |
| Net loans and leases to deposits | 101.2491% | 583 |
| Net loans and leases to core deposits | 105.6159% | 1,095 |
| Total domestic deposits to total assets | 74.1084% | 5,781 |
| Equity capital to assets | 9.6790% | 4,430 |
| Core capital (leverage) ratio | 9.7132% | 3,982 |
| Tier 1 risk-based capital ratio | 13.9899% | 3,932 |
| Total risk-based capital ratio | 15.0998% | 3,939 |
| Memoranda: | ||
| Average total assets | $411,358,000 | 1,625 |
| Average earning assets | $382,534,670 | 1,613 |
| Average equity | $40,556,670 | 1,801 |
| Average total loans | $312,073,330 | 1,427 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 2,286 |
| Cost of funding earning assets | 0.6334% | 1,210 |
| Net interest margin | 3.6129% | 2,953 |
| Noninterest income to average assets | 0.5778% | 2,786 |
| Noninterest expense to average assets | 3.2923% | 1,733 |
| Loan and lease loss provision to assets | 0.0736% | 2,468 |
| Net operating income to assets | 0.4948% | 4,706 |
| Return on assets (ROA) | 0.5631% | 4,538 |
| Pretax return on assets | 0.6543% | 4,743 |
| Return on Equity (ROE) | 5.6584% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.4699% | 3,915 |
| Net charge-offs to loans | 0.2933% | 813 |
| Credit loss provision to net charge-offs | 33.0396% | 2,251 |
| Earnings coverage of net charge-offs (x) | 2.9119% | 2,683 |
| Efficiency ratio | 83.5449% | 1,425 |
| Assets per employee ($millions) | 3.1549% | 5,474 |
| Cash dividends to net income (ytd only)* | 38.6760% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 5,097 |
| Loan loss allowance to noncurrent loans | 104.3641% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 3,087 |
| Noncurrent loans to loans | 0.9464% | 2,884 |
| Net loans and leases to total assets | 75.9849% | 1,211 |
| Net loans and leases to deposits | 99.4149% | 593 |
| Net loans and leases to core deposits | 103.9613% | 1,066 |
| Total domestic deposits to total assets | 76.4322% | 5,691 |
| Equity capital to assets | 10.1013% | 4,013 |
| Core capital (leverage) ratio | 9.7551% | 3,951 |
| Tier 1 risk-based capital ratio | 14.0257% | 3,990 |
| Total risk-based capital ratio | 15.2297% | 3,954 |
| Memoranda: | ||
| Average total assets | $407,739,000 | 1,645 |
| Average earning assets | $379,527,500 | 1,630 |
| Average equity | $40,577,000 | 1,809 |
| Average total loans | $309,614,500 | 1,438 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,623 |
| Cost of funding earning assets | 0.7356% | 919 |
| Net interest margin | 3.5594% | 3,558 |
| Noninterest income to average assets | 0.6130% | 2,784 |
| Noninterest expense to average assets | 3.2598% | 2,043 |
| Loan and lease loss provision to assets | 0.0624% | 3,268 |
| Net operating income to assets | 0.4884% | 4,853 |
| Return on assets (ROA) | 0.6435% | 4,275 |
| Pretax return on assets | 0.7735% | 4,355 |
| Return on Equity (ROE) | 6.6224% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.4474% | 3,014 |
| Net charge-offs to loans | 0.0375% | 4,086 |
| Credit loss provision to net charge-offs | 213.6752% | 1,160 |
| Earnings coverage of net charge-offs (x) | 22.2308% | 1,635 |
| Efficiency ratio | 83.3972% | 1,480 |
| Assets per employee ($millions) | 3.2413% | 5,365 |
| Cash dividends to net income (ytd only)* | 32.8422% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 4,861 |
| Loan loss allowance to noncurrent loans | 76.0530% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 2,593 |
| Noncurrent loans to loans | 1.3662% | 2,151 |
| Net loans and leases to total assets | 74.3606% | 1,527 |
| Net loans and leases to deposits | 96.1406% | 892 |
| Net loans and leases to core deposits | 101.4359% | 1,282 |
| Total domestic deposits to total assets | 77.3457% | 5,545 |
| Equity capital to assets | 9.8050% | 4,347 |
| Core capital (leverage) ratio | 9.6037% | 4,091 |
| Tier 1 risk-based capital ratio | 14.6515% | 3,698 |
| Total risk-based capital ratio | 15.9947% | 3,564 |
| Memoranda: | ||
| Average total assets | $400,790,400 | 1,639 |
| Average earning assets | $371,106,800 | 1,626 |
| Average equity | $38,943,800 | 1,817 |
| Average total loans | $312,334,600 | 1,380 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,508 |
| Cost of funding earning assets | 0.7631% | 832 |
| Net interest margin | 3.5661% | 3,572 |
| Noninterest income to average assets | 0.5972% | 2,893 |
| Noninterest expense to average assets | 3.2559% | 2,011 |
| Loan and lease loss provision to assets | 0.1172% | 2,107 |
| Net operating income to assets | 0.4472% | 5,083 |
| Return on assets (ROA) | 0.6370% | 4,379 |
| Pretax return on assets | 0.7456% | 4,539 |
| Return on Equity (ROE) | 6.5716% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.3776% | 3,534 |
| Net charge-offs to loans | 0.2721% | 1,444 |
| Credit loss provision to net charge-offs | 54.7731% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.9875% | 3,773 |
| Efficiency ratio | 83.5856% | 1,439 |
| Assets per employee ($millions) | 3.1766% | 5,474 |
| Cash dividends to net income (ytd only)* | 33.3860% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 5,623 |
| Loan loss allowance to noncurrent loans | 56.5297% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3691% | 2,260 |
| Noncurrent loans to loans | 1.5801% | 2,061 |
| Net loans and leases to total assets | 78.6450% | 877 |
| Net loans and leases to deposits | 103.0015% | 451 |
| Net loans and leases to core deposits | 109.0813% | 791 |
| Total domestic deposits to total assets | 76.3533% | 5,769 |
| Equity capital to assets | 10.0204% | 4,143 |
| Core capital (leverage) ratio | 9.4242% | 4,480 |
| Tier 1 risk-based capital ratio | 14.3651% | 3,971 |
| Total risk-based capital ratio | 15.4966% | 3,979 |
| Memoranda: | ||
| Average total assets | $398,076,000 | 1,666 |
| Average earning assets | $368,161,250 | 1,649 |
| Average equity | $38,589,250 | 1,840 |
| Average total loans | $313,088,750 | 1,389 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,573 |
| Cost of funding earning assets | 0.7828% | 779 |
| Net interest margin | 3.5195% | 3,700 |
| Noninterest income to average assets | 0.5678% | 3,002 |
| Noninterest expense to average assets | 3.2568% | 2,025 |
| Loan and lease loss provision to assets | 0.1001% | 2,352 |
| Net operating income to assets | 0.3940% | 5,246 |
| Return on assets (ROA) | 0.6378% | 4,266 |
| Pretax return on assets | 0.7480% | 4,467 |
| Return on Equity (ROE) | 6.6535% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.4391% | 3,348 |
| Net charge-offs to loans | 0.1641% | 2,081 |
| Credit loss provision to net charge-offs | 77.8210% | 2,359 |
| Earnings coverage of net charge-offs (x) | 4.3619% | 3,124 |
| Efficiency ratio | 85.3003% | 1,342 |
| Assets per employee ($millions) | 3.2585% | 5,326 |
| Cash dividends to net income (ytd only)* | 33.2810% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 5,522 |
| Loan loss allowance to noncurrent loans | 68.7656% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1986% | 2,694 |
| Noncurrent loans to loans | 1.3954% | 2,472 |
| Net loans and leases to total assets | 77.2754% | 1,007 |
| Net loans and leases to deposits | 101.1900% | 497 |
| Net loans and leases to core deposits | 106.8431% | 841 |
| Total domestic deposits to total assets | 76.3666% | 5,870 |
| Equity capital to assets | 9.6478% | 4,562 |
| Core capital (leverage) ratio | 9.5929% | 4,187 |
| Tier 1 risk-based capital ratio | 14.1172% | 4,182 |
| Total risk-based capital ratio | 15.3621% | 4,117 |
| Memoranda: | ||
| Average total assets | $399,468,670 | 1,660 |
| Average earning assets | $368,911,000 | 1,645 |
| Average equity | $38,295,670 | 1,847 |
| Average total loans | $313,260,670 | 1,387 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,677 |
| Cost of funding earning assets | 0.8111% | 711 |
| Net interest margin | 3.4435% | 3,927 |
| Noninterest income to average assets | 0.5690% | 2,926 |
| Noninterest expense to average assets | 3.2328% | 2,119 |
| Loan and lease loss provision to assets | 0.0504% | 3,092 |
| Net operating income to assets | 0.4038% | 5,098 |
| Return on assets (ROA) | 0.6546% | 4,021 |
| Pretax return on assets | 0.7704% | 4,226 |
| Return on Equity (ROE) | 6.8507% | 3,558 |
| Retained earnings to average equity (ytd only) | 4.6163% | 3,350 |
| Net charge-offs to loans | 0.0884% | 2,279 |
| Credit loss provision to net charge-offs | 72.4638% | 1,975 |
| Earnings coverage of net charge-offs (x) | 7.5652% | 2,108 |
| Efficiency ratio | 86.0129% | 1,455 |
| Assets per employee ($millions) | 3.1344% | 5,626 |
| Cash dividends to net income (ytd only)* | 32.6154% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 5,601 |
| Loan loss allowance to noncurrent loans | 60.2045% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.4357% | 2,472 |
| Noncurrent loans to loans | 1.6257% | 2,392 |
| Net loans and leases to total assets | 79.0693% | 651 |
| Net loans and leases to deposits | 102.5004% | 350 |
| Net loans and leases to core deposits | 108.6353% | 648 |
| Total domestic deposits to total assets | 77.1405% | 5,948 |
| Equity capital to assets | 9.7614% | 4,152 |
| Core capital (leverage) ratio | 9.3207% | 4,540 |
| Tier 1 risk-based capital ratio | 14.1828% | 4,203 |
| Total risk-based capital ratio | 15.4581% | 4,135 |
| Memoranda: | ||
| Average total assets | $397,177,500 | 1,677 |
| Average earning assets | $367,878,000 | 1,659 |
| Average equity | $37,952,500 | 1,857 |
| Average total loans | $312,262,500 | 1,391 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 2,641 |
| Cost of funding earning assets | 0.8782% | 829 |
| Net interest margin | 3.5062% | 3,871 |
| Noninterest income to average assets | 0.5934% | 3,132 |
| Noninterest expense to average assets | 3.1763% | 2,489 |
| Loan and lease loss provision to assets | 0.1020% | 3,100 |
| Net operating income to assets | 0.4543% | 4,934 |
| Return on assets (ROA) | 0.6762% | 4,005 |
| Pretax return on assets | 0.8174% | 4,084 |
| Return on Equity (ROE) | 7.2090% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.1167% | 2,515 |
| Net charge-offs to loans | 0.1474% | 3,330 |
| Credit loss provision to net charge-offs | 88.4956% | 2,805 |
| Earnings coverage of net charge-offs (x) | 5.6593% | 3,247 |
| Efficiency ratio | 82.9694% | 1,752 |
| Assets per employee ($millions) | 3.1206% | 5,637 |
| Cash dividends to net income (ytd only)* | 29.0237% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 5,626 |
| Loan loss allowance to noncurrent loans | 68.2694% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 2,710 |
| Noncurrent loans to loans | 1.4480% | 2,719 |
| Net loans and leases to total assets | 76.6575% | 993 |
| Net loans and leases to deposits | 101.4852% | 418 |
| Net loans and leases to core deposits | 107.0909% | 735 |
| Total domestic deposits to total assets | 75.5356% | 6,136 |
| Equity capital to assets | 9.3552% | 4,615 |
| Core capital (leverage) ratio | 9.2871% | 4,580 |
| Tier 1 risk-based capital ratio | 14.0798% | 4,246 |
| Total risk-based capital ratio | 15.4090% | 4,131 |
| Memoranda: | ||
| Average total assets | $392,340,600 | 1,683 |
| Average earning assets | $361,986,000 | 1,666 |
| Average equity | $36,801,400 | 1,877 |
| Average total loans | $306,581,000 | 1,384 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 2,543 |
| Cost of funding earning assets | 0.8951% | 833 |
| Net interest margin | 3.5199% | 3,792 |
| Noninterest income to average assets | 0.6010% | 3,140 |
| Noninterest expense to average assets | 3.1938% | 2,388 |
| Loan and lease loss provision to assets | 0.1368% | 2,577 |
| Net operating income to assets | 0.4303% | 5,110 |
| Return on assets (ROA) | 0.5736% | 4,594 |
| Pretax return on assets | 0.6889% | 4,722 |
| Return on Equity (ROE) | 6.1113% | 4,127 |
| Retained earnings to average equity (ytd only) | 4.0086% | 3,844 |
| Net charge-offs to loans | 0.2122% | 2,554 |
| Credit loss provision to net charge-offs | 82.3045% | 2,788 |
| Earnings coverage of net charge-offs (x) | 3.9280% | 3,583 |
| Efficiency ratio | 83.0251% | 1,705 |
| Assets per employee ($millions) | 3.0844% | 5,709 |
| Cash dividends to net income (ytd only)* | 34.4066% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 5,840 |
| Loan loss allowance to noncurrent loans | 74.9569% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.2831% | 3,079 |
| Noncurrent loans to loans | 1.2942% | 3,244 |
| Net loans and leases to total assets | 79.4072% | 613 |
| Net loans and leases to deposits | 103.9338% | 299 |
| Net loans and leases to core deposits | 109.4094% | 599 |
| Total domestic deposits to total assets | 76.4017% | 6,124 |
| Equity capital to assets | 9.4575% | 4,603 |
| Core capital (leverage) ratio | 9.2711% | 4,726 |
| Tier 1 risk-based capital ratio | 13.5332% | 4,733 |
| Total risk-based capital ratio | 14.8284% | 4,668 |
| Memoranda: | ||
| Average total assets | $389,786,500 | 1,701 |
| Average earning assets | $359,436,500 | 1,680 |
| Average equity | $36,586,750 | 1,907 |
| Average total loans | $305,308,500 | 1,387 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 2,730 |
| Cost of funding earning assets | 0.9116% | 846 |
| Net interest margin | 3.4463% | 4,016 |
| Noninterest income to average assets | 0.5689% | 3,390 |
| Noninterest expense to average assets | 3.1844% | 2,396 |
| Loan and lease loss provision to assets | 0.1542% | 2,389 |
| Net operating income to assets | 0.3482% | 5,412 |
| Return on assets (ROA) | 0.5304% | 4,831 |
| Pretax return on assets | 0.6234% | 4,936 |
| Return on Equity (ROE) | 5.6651% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.5517% | 4,056 |
| Net charge-offs to loans | 0.2004% | 2,562 |
| Credit loss provision to net charge-offs | 99.0099% | 2,267 |
| Earnings coverage of net charge-offs (x) | 3.6172% | 3,344 |
| Efficiency ratio | 84.9698% | 1,534 |
| Assets per employee ($millions) | 2.9864% | 5,871 |
| Cash dividends to net income (ytd only)* | 37.3062% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 5,735 |
| Loan loss allowance to noncurrent loans | 71.7890% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2635% | 3,235 |
| Noncurrent loans to loans | 1.4206% | 3,168 |
| Net loans and leases to total assets | 77.6501% | 789 |
| Net loans and leases to deposits | 100.5005% | 397 |
| Net loans and leases to core deposits | 105.9496% | 742 |
| Total domestic deposits to total assets | 77.2634% | 6,090 |
| Equity capital to assets | 9.3050% | 4,851 |
| Core capital (leverage) ratio | 9.2945% | 4,548 |
| Tier 1 risk-based capital ratio | 13.4435% | 4,812 |
| Total risk-based capital ratio | 14.7433% | 4,730 |
| Memoranda: | ||
| Average total assets | $389,142,330 | 1,703 |
| Average earning assets | $358,931,000 | 1,689 |
| Average equity | $36,433,330 | 1,917 |
| Average total loans | $302,378,000 | 1,392 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 2,736 |
| Cost of funding earning assets | 0.9324% | 837 |
| Net interest margin | 3.4041% | 4,098 |
| Noninterest income to average assets | 0.5328% | 3,549 |
| Noninterest expense to average assets | 3.1352% | 2,559 |
| Loan and lease loss provision to assets | 0.1546% | 2,324 |
| Net operating income to assets | 0.3389% | 5,403 |
| Return on assets (ROA) | 0.4823% | 4,923 |
| Pretax return on assets | 0.5535% | 5,104 |
| Return on Equity (ROE) | 5.1360% | 4,495 |
| Retained earnings to average equity (ytd only) | 3.0289% | 4,467 |
| Net charge-offs to loans | 0.2746% | 1,858 |
| Credit loss provision to net charge-offs | 72.8155% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.5583% | 3,004 |
| Efficiency ratio | 85.2340% | 1,620 |
| Assets per employee ($millions) | 3.1282% | 5,771 |
| Cash dividends to net income (ytd only)* | 41.0256% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 5,868 |
| Loan loss allowance to noncurrent loans | 72.6564% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.3033% | 3,361 |
| Noncurrent loans to loans | 1.4202% | 3,439 |
| Net loans and leases to total assets | 77.3264% | 683 |
| Net loans and leases to deposits | 98.7727% | 403 |
| Net loans and leases to core deposits | 104.0930% | 713 |
| Total domestic deposits to total assets | 78.2872% | 6,074 |
| Equity capital to assets | 9.6136% | 4,688 |
| Core capital (leverage) ratio | 9.0980% | 4,720 |
| Tier 1 risk-based capital ratio | 13.5629% | 4,826 |
| Total risk-based capital ratio | 14.8891% | 4,736 |
| Memoranda: | ||
| Average total assets | $388,104,000 | 1,725 |
| Average earning assets | $358,630,000 | 1,706 |
| Average equity | $36,448,500 | 1,937 |
| Average total loans | $300,111,000 | 1,413 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 2,464 |
| Cost of funding earning assets | 1.0779% | 992 |
| Net interest margin | 3.6545% | 3,855 |
| Noninterest income to average assets | 0.5908% | 3,330 |
| Noninterest expense to average assets | 3.0118% | 3,228 |
| Loan and lease loss provision to assets | 0.1274% | 4,021 |
| Net operating income to assets | 0.6326% | 4,075 |
| Return on assets (ROA) | 0.8177% | 3,446 |
| Pretax return on assets | 1.0730% | 3,264 |
| Return on Equity (ROE) | 8.9454% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.4062% | 1,866 |
| Net charge-offs to loans | 0.6269% | 1,873 |
| Credit loss provision to net charge-offs | 25.7083% | 5,192 |
| Earnings coverage of net charge-offs (x) | 1.9313% | 4,456 |
| Efficiency ratio | 75.8908% | 2,767 |
| Assets per employee ($millions) | 3.1565% | 5,723 |
| Cash dividends to net income (ytd only)* | 28.3853% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 5,821 |
| Loan loss allowance to noncurrent loans | 76.2844% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1937% | 3,670 |
| Noncurrent loans to loans | 1.3598% | 3,560 |
| Net loans and leases to total assets | 75.7546% | 954 |
| Net loans and leases to deposits | 97.6306% | 528 |
| Net loans and leases to core deposits | 103.0661% | 833 |
| Total domestic deposits to total assets | 77.5931% | 6,148 |
| Equity capital to assets | 9.1765% | 5,298 |
| Core capital (leverage) ratio | 9.0262% | 4,862 |
| Tier 1 risk-based capital ratio | 13.5350% | 4,727 |
| Total risk-based capital ratio | 14.8088% | 4,656 |
| Memoranda: | ||
| Average total assets | $384,716,200 | 1,697 |
| Average earning assets | $355,589,200 | 1,675 |
| Average equity | $35,169,000 | 1,962 |
| Average total loans | $304,027,800 | 1,378 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 2,319 |
| Cost of funding earning assets | 1.1101% | 1,029 |
| Net interest margin | 3.7091% | 3,758 |
| Noninterest income to average assets | 0.6010% | 3,264 |
| Noninterest expense to average assets | 3.0342% | 3,116 |
| Loan and lease loss provision to assets | 0.1448% | 3,724 |
| Net operating income to assets | 0.6519% | 4,133 |
| Return on assets (ROA) | 0.7722% | 3,845 |
| Pretax return on assets | 1.0045% | 3,688 |
| Return on Equity (ROE) | 8.4560% | 3,061 |
| Retained earnings to average equity (ytd only) | 5.8168% | 2,819 |
| Net charge-offs to loans | 0.8034% | 1,365 |
| Credit loss provision to net charge-offs | 22.6158% | 4,917 |
| Earnings coverage of net charge-offs (x) | 1.5515% | 4,502 |
| Efficiency ratio | 75.3421% | 2,770 |
| Assets per employee ($millions) | 3.0303% | 6,007 |
| Cash dividends to net income (ytd only)* | 31.2104% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 6,001 |
| Loan loss allowance to noncurrent loans | 195.1965% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 5,255 |
| Noncurrent loans to loans | 0.5235% | 5,394 |
| Net loans and leases to total assets | 80.6533% | 457 |
| Net loans and leases to deposits | 105.1682% | 257 |
| Net loans and leases to core deposits | 110.8183% | 544 |
| Total domestic deposits to total assets | 76.6898% | 6,284 |
| Equity capital to assets | 9.5227% | 5,175 |
| Core capital (leverage) ratio | 8.7344% | 5,424 |
| Tier 1 risk-based capital ratio | 12.9831% | 5,266 |
| Total risk-based capital ratio | 14.2403% | 5,226 |
| Memoranda: | ||
| Average total assets | $382,254,750 | 1,721 |
| Average earning assets | $353,103,000 | 1,706 |
| Average equity | $34,909,500 | 2,001 |
| Average total loans | $304,526,750 | 1,390 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 2,278 |
| Cost of funding earning assets | 1.1199% | 1,128 |
| Net interest margin | 3.7376% | 3,651 |
| Noninterest income to average assets | 0.6149% | 3,170 |
| Noninterest expense to average assets | 3.0373% | 3,131 |
| Loan and lease loss provision to assets | 0.1509% | 3,641 |
| Net operating income to assets | 0.6741% | 4,003 |
| Return on assets (ROA) | 0.7622% | 3,815 |
| Pretax return on assets | 0.9932% | 3,733 |
| Return on Equity (ROE) | 8.4636% | 3,035 |
| Retained earnings to average equity (ytd only) | 5.6559% | 2,902 |
| Net charge-offs to loans | 1.2067% | 894 |
| Credit loss provision to net charge-offs | 15.8124% | 4,670 |
| Earnings coverage of net charge-offs (x) | 1.0791% | 4,481 |
| Efficiency ratio | 74.6834% | 2,953 |
| Assets per employee ($millions) | 3.0651% | 5,925 |
| Cash dividends to net income (ytd only)* | 33.1741% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,192 |
| Loan loss allowance to noncurrent loans | 187.2274% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 5,426 |
| Noncurrent loans to loans | 0.5300% | 5,463 |
| Net loans and leases to total assets | 78.8923% | 627 |
| Net loans and leases to deposits | 103.9115% | 281 |
| Net loans and leases to core deposits | 107.8097% | 669 |
| Total domestic deposits to total assets | 75.9226% | 6,474 |
| Equity capital to assets | 9.2666% | 5,367 |
| Core capital (leverage) ratio | 8.8396% | 5,146 |
| Tier 1 risk-based capital ratio | 13.1624% | 5,069 |
| Total risk-based capital ratio | 14.4056% | 5,049 |
| Memoranda: | ||
| Average total assets | $384,421,670 | 1,719 |
| Average earning assets | $355,039,330 | 1,697 |
| Average equity | $34,618,670 | 1,999 |
| Average total loans | $303,973,330 | 1,388 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 2,321 |
| Cost of funding earning assets | 1.1371% | 1,224 |
| Net interest margin | 3.7429% | 3,623 |
| Noninterest income to average assets | 0.6270% | 3,073 |
| Noninterest expense to average assets | 3.0326% | 3,144 |
| Loan and lease loss provision to assets | 0.1449% | 3,555 |
| Net operating income to assets | 0.7068% | 3,852 |
| Return on assets (ROA) | 0.7512% | 3,851 |
| Pretax return on assets | 0.9633% | 3,817 |
| Return on Equity (ROE) | 8.4620% | 3,074 |
| Retained earnings to average equity (ytd only) | 5.7463% | 3,115 |
| Net charge-offs to loans | 0.0433% | 4,083 |
| Credit loss provision to net charge-offs | 424.2424% | 750 |
| Earnings coverage of net charge-offs (x) | 30.7879% | 903 |
| Efficiency ratio | 74.2589% | 3,060 |
| Assets per employee ($millions) | 3.2494% | 5,662 |
| Cash dividends to net income (ytd only)* | 32.0937% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 4,030 |
| Loan loss allowance to noncurrent loans | 134.7612% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 4,405 |
| Noncurrent loans to loans | 1.1345% | 4,443 |
| Net loans and leases to total assets | 78.8824% | 500 |
| Net loans and leases to deposits | 103.5771% | 263 |
| Net loans and leases to core deposits | 107.5248% | 626 |
| Total domestic deposits to total assets | 76.1581% | 6,526 |
| Equity capital to assets | 9.1145% | 5,334 |
| Core capital (leverage) ratio | 8.6268% | 5,407 |
| Tier 1 risk-based capital ratio | 12.8292% | 5,342 |
| Total risk-based capital ratio | 14.1431% | 5,266 |
| Memoranda: | ||
| Average total assets | $386,595,500 | 1,716 |
| Average earning assets | $357,050,000 | 1,699 |
| Average equity | $34,318,000 | 2,014 |
| Average total loans | $304,533,000 | 1,388 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9524% | 3,099 |
| Cost of funding earning assets | 1.2996% | 1,486 |
| Net interest margin | 3.6528% | 4,505 |
| Noninterest income to average assets | 0.5760% | 3,322 |
| Noninterest expense to average assets | 3.0234% | 3,503 |
| Loan and lease loss provision to assets | 0.6792% | 1,508 |
| Net operating income to assets | 0.2860% | 5,304 |
| Return on assets (ROA) | 0.3665% | 5,173 |
| Pretax return on assets | 0.3182% | 5,516 |
| Return on Equity (ROE) | 4.2246% | 4,748 |
| Retained earnings to average equity (ytd only) | 1.3068% | 5,242 |
| Net charge-offs to loans | 0.2069% | 4,506 |
| Credit loss provision to net charge-offs | 414.0127% | 556 |
| Earnings coverage of net charge-offs (x) | 5.5892% | 2,745 |
| Efficiency ratio | 76.7303% | 2,782 |
| Assets per employee ($millions) | 3.2481% | 5,618 |
| Cash dividends to net income (ytd only)* | 69.0663% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 4,053 |
| Loan loss allowance to noncurrent loans | 114.0958% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 3,988 |
| Noncurrent loans to loans | 1.3093% | 4,186 |
| Net loans and leases to total assets | 76.3251% | 902 |
| Net loans and leases to deposits | 101.2458% | 405 |
| Net loans and leases to core deposits | 105.3151% | 830 |
| Total domestic deposits to total assets | 75.3860% | 6,552 |
| Equity capital to assets | 8.6472% | 5,960 |
| Core capital (leverage) ratio | 8.2555% | 5,918 |
| Tier 1 risk-based capital ratio | 12.3336% | 5,592 |
| Total risk-based capital ratio | 13.6048% | 5,545 |
| Memoranda: | ||
| Average total assets | $382,820,000 | 1,688 |
| Average earning assets | $352,579,800 | 1,683 |
| Average equity | $33,210,200 | 2,004 |
| Average total loans | $303,477,400 | 1,403 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 3,194 |
| Cost of funding earning assets | 1.3287% | 1,555 |
| Net interest margin | 3.6502% | 4,562 |
| Noninterest income to average assets | 0.5648% | 3,407 |
| Noninterest expense to average assets | 3.0329% | 3,425 |
| Loan and lease loss provision to assets | 0.8415% | 1,091 |
| Net operating income to assets | 0.1704% | 5,773 |
| Return on assets (ROA) | 0.2686% | 5,670 |
| Pretax return on assets | 0.1483% | 6,004 |
| Return on Equity (ROE) | 3.0933% | 5,375 |
| Retained earnings to average equity (ytd only) | 0.1858% | 5,900 |
| Net charge-offs to loans | 0.2484% | 3,878 |
| Credit loss provision to net charge-offs | 424.7788% | 664 |
| Earnings coverage of net charge-offs (x) | 4.5009% | 3,052 |
| Efficiency ratio | 77.2804% | 2,642 |
| Assets per employee ($millions) | 3.1893% | 5,706 |
| Cash dividends to net income (ytd only)* | 93.9950% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 4,320 |
| Loan loss allowance to noncurrent loans | 116.1053% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.5425% | 3,777 |
| Noncurrent loans to loans | 1.2522% | 4,443 |
| Net loans and leases to total assets | 79.4629% | 564 |
| Net loans and leases to deposits | 105.6330% | 262 |
| Net loans and leases to core deposits | 110.4037% | 657 |
| Total domestic deposits to total assets | 75.2255% | 6,617 |
| Equity capital to assets | 8.8833% | 5,880 |
| Core capital (leverage) ratio | 8.2645% | 6,029 |
| Tier 1 risk-based capital ratio | 12.4014% | 5,578 |
| Total risk-based capital ratio | 13.6579% | 5,564 |
| Memoranda: | ||
| Average total assets | $380,271,000 | 1,711 |
| Average earning assets | $349,996,000 | 1,702 |
| Average equity | $33,016,500 | 2,011 |
| Average total loans | $303,217,000 | 1,412 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 3,327 |
| Cost of funding earning assets | 1.3394% | 1,703 |
| Net interest margin | 3.6267% | 4,622 |
| Noninterest income to average assets | 0.5561% | 3,425 |
| Noninterest expense to average assets | 3.0269% | 3,531 |
| Loan and lease loss provision to assets | 1.1007% | 742 |
| Net operating income to assets | 0.0304% | 6,168 |
| Return on assets (ROA) | 0.1179% | 6,057 |
| Pretax return on assets | -0.0938% | 6,358 |
| Return on Equity (ROE) | 1.3687% | 5,993 |
| Retained earnings to average equity (ytd only) | -1.5512% | 6,166 |
| Net charge-offs to loans | 0.0449% | 5,225 |
| Credit loss provision to net charge-offs | 3,088.2353% | 102 |
| Earnings coverage of net charge-offs (x) | 24.4118% | 1,063 |
| Efficiency ratio | 77.6732% | 2,766 |
| Assets per employee ($millions) | 3.2151% | 5,604 |
| Cash dividends to net income (ytd only)* | 213.3333% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 4,052 |
| Loan loss allowance to noncurrent loans | 110.6603% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 4,536 |
| Noncurrent loans to loans | 1.3708% | 4,360 |
| Net loans and leases to total assets | 78.2128% | 749 |
| Net loans and leases to deposits | 103.3888% | 337 |
| Net loans and leases to core deposits | 108.1153% | 808 |
| Total domestic deposits to total assets | 75.6492% | 6,652 |
| Equity capital to assets | 8.6139% | 6,042 |
| Core capital (leverage) ratio | 8.2524% | 5,945 |
| Tier 1 risk-based capital ratio | 12.3491% | 5,477 |
| Total risk-based capital ratio | 13.6874% | 5,391 |
| Memoranda: | ||
| Average total assets | $381,583,330 | 1,717 |
| Average earning assets | $351,507,330 | 1,704 |
| Average equity | $32,878,330 | 2,009 |
| Average total loans | $303,136,670 | 1,425 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 3,475 |
| Cost of funding earning assets | 1.3465% | 1,911 |
| Net interest margin | 3.5747% | 4,689 |
| Noninterest income to average assets | 0.5154% | 3,763 |
| Noninterest expense to average assets | 3.0587% | 3,427 |
| Loan and lease loss provision to assets | 0.1574% | 4,055 |
| Net operating income to assets | 0.4957% | 4,501 |
| Return on assets (ROA) | 0.6508% | 3,821 |
| Pretax return on assets | 0.7883% | 3,947 |
| Return on Equity (ROE) | 7.5519% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.6286% | 3,413 |
| Net charge-offs to loans | -0.0013% | 6,172 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1210% | 2,507 |
| Assets per employee ($millions) | 3.1772% | 5,769 |
| Cash dividends to net income (ytd only)* | 38.7097% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 6,679 |
| Loan loss allowance to noncurrent loans | 97.2549% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 5,321 |
| Noncurrent loans to loans | 0.9342% | 5,167 |
| Net loans and leases to total assets | 79.3559% | 583 |
| Net loans and leases to deposits | 104.3781% | 302 |
| Net loans and leases to core deposits | 109.4647% | 757 |
| Total domestic deposits to total assets | 76.0274% | 6,667 |
| Equity capital to assets | 8.8346% | 5,436 |
| Core capital (leverage) ratio | 8.5905% | 5,280 |
| Tier 1 risk-based capital ratio | 12.7940% | 4,980 |
| Total risk-based capital ratio | 13.9545% | 5,039 |
| Memoranda: | ||
| Average total assets | $381,079,500 | 1,727 |
| Average earning assets | $352,030,500 | 1,706 |
| Average equity | $32,839,500 | 1,997 |
| Average total loans | $302,783,000 | 1,445 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 3,644 |
| Cost of funding earning assets | 1.5719% | 2,232 |
| Net interest margin | 3.6211% | 4,716 |
| Noninterest income to average assets | 0.5727% | 3,648 |
| Noninterest expense to average assets | 3.0427% | 3,683 |
| Loan and lease loss provision to assets | 0.1919% | 5,311 |
| Net operating income to assets | 0.5623% | 3,840 |
| Return on assets (ROA) | 0.5156% | 4,177 |
| Pretax return on assets | 0.6051% | 4,307 |
| Return on Equity (ROE) | 6.0051% | 3,606 |
| Retained earnings to average equity (ytd only) | 2.9837% | 3,760 |
| Net charge-offs to loans | 0.4338% | 3,887 |
| Credit loss provision to net charge-offs | 54.8686% | 6,178 |
| Earnings coverage of net charge-offs (x) | 2.4359% | 3,912 |
| Efficiency ratio | 78.1278% | 2,690 |
| Assets per employee ($millions) | 3.2271% | 5,606 |
| Cash dividends to net income (ytd only)* | 50.3145% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 6,869 |
| Loan loss allowance to noncurrent loans | 102.5876% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 5,618 |
| Noncurrent loans to loans | 0.8227% | 5,404 |
| Net loans and leases to total assets | 78.1791% | 916 |
| Net loans and leases to deposits | 103.3570% | 425 |
| Net loans and leases to core deposits | 108.4194% | 1,019 |
| Total domestic deposits to total assets | 75.6399% | 6,673 |
| Equity capital to assets | 8.4073% | 5,989 |
| Core capital (leverage) ratio | 8.3986% | 5,536 |
| Tier 1 risk-based capital ratio | 12.1041% | 5,382 |
| Total risk-based capital ratio | 13.1362% | 5,568 |
| Memoranda: | ||
| Average total assets | $370,031,000 | 1,779 |
| Average earning assets | $339,457,800 | 1,760 |
| Average equity | $31,773,000 | 2,066 |
| Average total loans | $298,271,200 | 1,502 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 3,599 |
| Cost of funding earning assets | 1.6260% | 2,243 |
| Net interest margin | 3.6205% | 4,782 |
| Noninterest income to average assets | 0.5749% | 3,616 |
| Noninterest expense to average assets | 3.0616% | 3,528 |
| Loan and lease loss provision to assets | 0.2042% | 5,012 |
| Net operating income to assets | 0.5159% | 4,237 |
| Return on assets (ROA) | 0.5516% | 4,255 |
| Pretax return on assets | 0.6657% | 4,370 |
| Return on Equity (ROE) | 6.3884% | 3,627 |
| Retained earnings to average equity (ytd only) | 3.3484% | 4,093 |
| Net charge-offs to loans | 0.5544% | 3,095 |
| Credit loss provision to net charge-offs | 45.4177% | 5,953 |
| Earnings coverage of net charge-offs (x) | 1.8394% | 4,332 |
| Efficiency ratio | 78.7362% | 2,525 |
| Assets per employee ($millions) | 3.1960% | 5,683 |
| Cash dividends to net income (ytd only)* | 47.5878% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 6,980 |
| Loan loss allowance to noncurrent loans | 111.5247% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 5,806 |
| Noncurrent loans to loans | 0.7267% | 5,751 |
| Net loans and leases to total assets | 83.5461% | 360 |
| Net loans and leases to deposits | 112.5053% | 211 |
| Net loans and leases to core deposits | 117.5223% | 699 |
| Total domestic deposits to total assets | 74.2597% | 6,890 |
| Equity capital to assets | 8.8201% | 5,824 |
| Core capital (leverage) ratio | 8.2691% | 5,927 |
| Tier 1 risk-based capital ratio | 11.6555% | 5,778 |
| Total risk-based capital ratio | 12.6366% | 6,013 |
| Memoranda: | ||
| Average total assets | $365,726,750 | 1,808 |
| Average earning assets | $334,715,000 | 1,807 |
| Average equity | $31,577,000 | 2,093 |
| Average total loans | $296,508,000 | 1,528 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 4,030 |
| Cost of funding earning assets | 1.6504% | 2,382 |
| Net interest margin | 3.5332% | 5,118 |
| Noninterest income to average assets | 0.5516% | 3,697 |
| Noninterest expense to average assets | 3.0662% | 3,441 |
| Loan and lease loss provision to assets | 0.2239% | 4,663 |
| Net operating income to assets | 0.4464% | 4,565 |
| Return on assets (ROA) | 0.4708% | 4,616 |
| Pretax return on assets | 0.5189% | 4,847 |
| Return on Equity (ROE) | 5.4920% | 4,048 |
| Retained earnings to average equity (ytd only) | 2.4338% | 4,607 |
| Net charge-offs to loans | 0.7999% | 2,246 |
| Credit loss provision to net charge-offs | 34.9829% | 5,670 |
| Earnings coverage of net charge-offs (x) | 1.1186% | 4,672 |
| Efficiency ratio | 81.0686% | 2,290 |
| Assets per employee ($millions) | 2.9695% | 6,201 |
| Cash dividends to net income (ytd only)* | 55.6845% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 7,038 |
| Loan loss allowance to noncurrent loans | 109.5978% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 5,958 |
| Noncurrent loans to loans | 0.7284% | 5,800 |
| Net loans and leases to total assets | 81.5869% | 585 |
| Net loans and leases to deposits | 110.5187% | 259 |
| Net loans and leases to core deposits | 115.0382% | 881 |
| Total domestic deposits to total assets | 73.8218% | 6,994 |
| Equity capital to assets | 8.6209% | 5,987 |
| Core capital (leverage) ratio | 8.3775% | 5,613 |
| Tier 1 risk-based capital ratio | 11.8391% | 5,457 |
| Total risk-based capital ratio | 12.7951% | 5,695 |
| Memoranda: | ||
| Average total assets | $366,189,330 | 1,826 |
| Average earning assets | $334,825,330 | 1,824 |
| Average equity | $31,391,000 | 2,102 |
| Average total loans | $293,051,330 | 1,558 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0988% | 4,532 |
| Cost of funding earning assets | 1.6638% | 2,576 |
| Net interest margin | 3.4350% | 5,449 |
| Noninterest income to average assets | 0.4953% | 4,085 |
| Noninterest expense to average assets | 3.0328% | 3,552 |
| Loan and lease loss provision to assets | 0.2836% | 3,759 |
| Net operating income to assets | 0.3262% | 5,186 |
| Return on assets (ROA) | 0.3796% | 5,061 |
| Pretax return on assets | 0.3742% | 5,364 |
| Return on Equity (ROE) | 4.4413% | 4,687 |
| Retained earnings to average equity (ytd only) | 1.3783% | 5,255 |
| Net charge-offs to loans | 0.1797% | 3,845 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 4.2615% | 2,665 |
| Efficiency ratio | 83.3833% | 2,090 |
| Assets per employee ($millions) | 3.0647% | 6,078 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,857 |
| Loan loss allowance to noncurrent loans | 72.5789% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2856% | 4,604 |
| Noncurrent loans to loans | 1.5590% | 4,405 |
| Net loans and leases to total assets | 79.4945% | 908 |
| Net loans and leases to deposits | 109.0035% | 314 |
| Net loans and leases to core deposits | 112.8432% | 1,112 |
| Total domestic deposits to total assets | 72.9284% | 7,172 |
| Equity capital to assets | 8.7205% | 5,702 |
| Core capital (leverage) ratio | 8.5333% | 5,318 |
| Tier 1 risk-based capital ratio | 12.1565% | 5,031 |
| Total risk-based capital ratio | 13.4073% | 4,997 |
| Memoranda: | ||
| Average total assets | $366,659,000 | 1,867 |
| Average earning assets | $335,373,500 | 1,867 |
| Average equity | $31,342,500 | 2,125 |
| Average total loans | $289,380,000 | 1,625 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5386% | 3,935 |
| Cost of funding earning assets | 2.0041% | 2,944 |
| Net interest margin | 3.5345% | 4,803 |
| Noninterest income to average assets | 0.5230% | 4,235 |
| Noninterest expense to average assets | 3.1447% | 3,570 |
| Loan and lease loss provision to assets | 0.1678% | 6,010 |
| Net operating income to assets | 0.4092% | 4,093 |
| Return on assets (ROA) | 0.4833% | 3,895 |
| Pretax return on assets | 0.5161% | 4,138 |
| Return on Equity (ROE) | 5.9684% | 3,223 |
| Retained earnings to average equity (ytd only) | 2.9946% | 3,068 |
| Net charge-offs to loans | 0.0457% | 6,648 |
| Credit loss provision to net charge-offs | 468.7500% | 658 |
| Earnings coverage of net charge-offs (x) | 16.8984% | 1,224 |
| Efficiency ratio | 83.8654% | 2,366 |
| Assets per employee ($millions) | 3.1499% | 5,859 |
| Cash dividends to net income (ytd only)* | 49.8264% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,912 |
| Loan loss allowance to noncurrent loans | 92.5351% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.9710% | 5,166 |
| Noncurrent loans to loans | 1.1861% | 4,956 |
| Net loans and leases to total assets | 76.6323% | 1,662 |
| Net loans and leases to deposits | 108.8828% | 423 |
| Net loans and leases to core deposits | 122.8517% | 1,722 |
| Total domestic deposits to total assets | 70.3805% | 7,386 |
| Equity capital to assets | 8.3804% | 6,080 |
| Core capital (leverage) ratio | 8.6155% | 5,070 |
| Tier 1 risk-based capital ratio | 12.7405% | 4,334 |
| Total risk-based capital ratio | 13.9916% | 4,274 |
| Memoranda: | ||
| Average total assets | $357,520,200 | 1,900 |
| Average earning assets | $326,383,200 | 1,907 |
| Average equity | $28,952,400 | 2,305 |
| Average total loans | $280,251,800 | 1,714 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6493% | 3,579 |
| Cost of funding earning assets | 2.0976% | 2,902 |
| Net interest margin | 3.5517% | 4,666 |
| Noninterest income to average assets | 0.5281% | 4,254 |
| Noninterest expense to average assets | 3.2608% | 3,078 |
| Loan and lease loss provision to assets | 0.1168% | 6,198 |
| Net operating income to assets | 0.3716% | 4,514 |
| Return on assets (ROA) | 0.4607% | 4,264 |
| Pretax return on assets | 0.4855% | 4,562 |
| Return on Equity (ROE) | 5.7410% | 3,632 |
| Retained earnings to average equity (ytd only) | 2.8259% | 3,752 |
| Net charge-offs to loans | 0.0469% | 6,256 |
| Credit loss provision to net charge-offs | 316.3265% | 1,303 |
| Earnings coverage of net charge-offs (x) | 13.7759% | 1,653 |
| Efficiency ratio | 86.5094% | 2,013 |
| Assets per employee ($millions) | 2.9438% | 6,293 |
| Cash dividends to net income (ytd only)* | 50.7767% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,235 |
| Loan loss allowance to noncurrent loans | 249.6558% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 6,329 |
| Noncurrent loans to loans | 0.4041% | 6,534 |
| Net loans and leases to total assets | 81.9476% | 821 |
| Net loans and leases to deposits | 112.4974% | 373 |
| Net loans and leases to core deposits | 128.0149% | 1,578 |
| Total domestic deposits to total assets | 72.8440% | 7,102 |
| Equity capital to assets | 8.9131% | 5,615 |
| Core capital (leverage) ratio | 8.6602% | 5,206 |
| Tier 1 risk-based capital ratio | 12.7476% | 4,351 |
| Total risk-based capital ratio | 13.9838% | 4,315 |
| Memoranda: | ||
| Average total assets | $353,978,250 | 1,930 |
| Average earning assets | $323,027,250 | 1,945 |
| Average equity | $28,403,250 | 2,364 |
| Average total loans | $278,316,250 | 1,751 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6786% | 3,672 |
| Cost of funding earning assets | 2.1819% | 2,873 |
| Net interest margin | 3.4967% | 4,812 |
| Noninterest income to average assets | 0.5070% | 4,387 |
| Noninterest expense to average assets | 3.2394% | 3,195 |
| Loan and lease loss provision to assets | 0.1067% | 6,092 |
| Net operating income to assets | 0.2918% | 4,929 |
| Return on assets (ROA) | 0.4262% | 4,509 |
| Pretax return on assets | 0.5093% | 4,591 |
| Return on Equity (ROE) | 5.5098% | 3,863 |
| Retained earnings to average equity (ytd only) | 2.7513% | 3,797 |
| Net charge-offs to loans | 0.0705% | 5,520 |
| Credit loss provision to net charge-offs | 195.8763% | 2,332 |
| Earnings coverage of net charge-offs (x) | 8.3711% | 2,273 |
| Efficiency ratio | 87.6614% | 2,053 |
| Assets per employee ($millions) | 2.9670% | 6,217 |
| Cash dividends to net income (ytd only)* | 50.0659% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 6,290 |
| Loan loss allowance to noncurrent loans | 208.4708% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 6,231 |
| Noncurrent loans to loans | 0.4772% | 6,333 |
| Net loans and leases to total assets | 77.7329% | 1,810 |
| Net loans and leases to deposits | 107.0701% | 699 |
| Net loans and leases to core deposits | 121.4795% | 2,244 |
| Total domestic deposits to total assets | 72.6000% | 7,170 |
| Equity capital to assets | 8.4668% | 6,097 |
| Core capital (leverage) ratio | 8.2853% | 5,828 |
| Tier 1 risk-based capital ratio | 12.0895% | 4,839 |
| Total risk-based capital ratio | 13.2506% | 4,837 |
| Memoranda: | ||
| Average total assets | $356,182,000 | 1,947 |
| Average earning assets | $324,764,330 | 1,951 |
| Average equity | $27,550,670 | 2,433 |
| Average total loans | $275,235,000 | 1,794 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 4,006 |
| Cost of funding earning assets | 2.1773% | 3,278 |
| Net interest margin | 3.4812% | 4,801 |
| Noninterest income to average assets | 0.4761% | 4,543 |
| Noninterest expense to average assets | 3.1438% | 3,218 |
| Loan and lease loss provision to assets | 0.1011% | 5,671 |
| Net operating income to assets | 0.3892% | 4,897 |
| Return on assets (ROA) | 0.2953% | 5,485 |
| Pretax return on assets | 0.3099% | 5,656 |
| Return on Equity (ROE) | 4.0071% | 4,933 |
| Retained earnings to average equity (ytd only) | 1.7826% | 4,855 |
| Net charge-offs to loans | 0.0015% | 5,718 |
| Credit loss provision to net charge-offs | 9,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 69 |
| Efficiency ratio | 86.0479% | 2,059 |
| Assets per employee ($millions) | 2.9821% | 6,207 |
| Cash dividends to net income (ytd only)* | 55.5133% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 6,076 |
| Loan loss allowance to noncurrent loans | 678.9731% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 6,949 |
| Noncurrent loans to loans | 0.1496% | 7,092 |
| Net loans and leases to total assets | 76.2695% | 2,215 |
| Net loans and leases to deposits | 106.8886% | 801 |
| Net loans and leases to core deposits | 120.9011% | 2,345 |
| Total domestic deposits to total assets | 71.3543% | 7,297 |
| Equity capital to assets | 8.3545% | 6,307 |
| Core capital (leverage) ratio | 8.2013% | 6,101 |
| Tier 1 risk-based capital ratio | 12.2037% | 4,789 |
| Total risk-based capital ratio | 13.3945% | 4,724 |
| Memoranda: | ||
| Average total assets | $356,255,000 | 1,948 |
| Average earning assets | $325,179,500 | 1,947 |
| Average equity | $26,253,500 | 2,550 |
| Average total loans | $273,083,500 | 1,813 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1401% | 4,829 |
| Cost of funding earning assets | 2.5240% | 4,076 |
| Net interest margin | 3.6161% | 4,811 |
| Noninterest income to average assets | 0.5601% | 4,163 |
| Noninterest expense to average assets | 3.1892% | 3,372 |
| Loan and lease loss provision to assets | 0.1324% | 5,669 |
| Net operating income to assets | 0.5632% | 4,469 |
| Return on assets (ROA) | -0.3952% | 6,699 |
| Pretax return on assets | -0.9717% | 6,985 |
| Return on Equity (ROE) | -5.3985% | 6,901 |
| Retained earnings to average equity (ytd only) | -7.7685% | 6,864 |
| Net charge-offs to loans | 0.0711% | 5,749 |
| Credit loss provision to net charge-offs | 247.2222% | 1,884 |
| Earnings coverage of net charge-offs (x) | 12.2889% | 2,264 |
| Efficiency ratio | 82.8899% | 2,195 |
| Assets per employee ($millions) | 3.0054% | 6,049 |
| Cash dividends to net income (ytd only)* | -43.9006% | 8,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,176 |
| Loan loss allowance to noncurrent loans | 666.9975% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 6,861 |
| Noncurrent loans to loans | 0.1478% | 6,969 |
| Net loans and leases to total assets | 75.5073% | 2,758 |
| Net loans and leases to deposits | 103.2697% | 1,427 |
| Net loans and leases to core deposits | 122.2800% | 2,478 |
| Total domestic deposits to total assets | 73.1166% | 6,808 |
| Equity capital to assets | 6.3917% | 7,969 |
| Core capital (leverage) ratio | 6.1980% | 8,022 |
| Tier 1 risk-based capital ratio | 9.2181% | 7,594 |
| Total risk-based capital ratio | 10.3933% | 7,641 |
| Memoranda: | ||
| Average total assets | $336,007,800 | 1,985 |
| Average earning assets | $305,466,600 | 1,999 |
| Average equity | $24,599,400 | 2,681 |
| Average total loans | $253,233,600 | 1,885 |