Home > Bank of Wiggins > Performance and Condition Ratios
Bank of Wiggins, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 3,717 |
| Cost of funding earning assets | 1.7573% | 2,835 |
| Net interest margin | 2.8618% | 3,377 |
| Noninterest income to average assets | 0.7800% | 955 |
| Noninterest expense to average assets | 2.7780% | 1,558 |
| Loan and lease loss provision to assets | -0.0700% | 4,314 |
| Net operating income to assets | 0.5163% | 3,432 |
| Return on assets (ROA) | 0.5163% | 3,450 |
| Pretax return on assets | 0.6665% | 3,331 |
| Return on Equity (ROE) | 5.2100% | 3,462 |
| Retained earnings to average equity (ytd only) | 0.1745% | 3,861 |
| Net charge-offs to loans | 0.0213% | 2,174 |
| Credit loss provision to net charge-offs | -10.0000% | 4,289 |
| Earnings coverage of net charge-offs (x) | 58.7000% | 1,115 |
| Efficiency ratio | 82.2926% | 904 |
| Assets per employee ($millions) | 4.8410% | 3,750 |
| Cash dividends to net income (ytd only)* | 96.6469% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 1,290 |
| Loan loss allowance to noncurrent loans | 231.5789% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 2,086 |
| Noncurrent loans to loans | 0.6060% | 1,588 |
| Net loans and leases to total assets | 46.7300% | 3,784 |
| Net loans and leases to deposits | 52.1500% | 3,853 |
| Net loans and leases to core deposits | 65.9893% | 3,532 |
| Total domestic deposits to total assets | 89.6000% | 942 |
| Equity capital to assets | 9.5904% | 2,387 |
| Core capital (leverage) ratio | 15.2167% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $196,400,800 | 3,020 |
| Average earning assets | $177,826,000 | 3,037 |
| Average equity | $19,479,000 | 3,007 |
| Average total loans | $93,798,600 | 3,270 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 3,759 |
| Cost of funding earning assets | 1.7113% | 2,930 |
| Net interest margin | 2.8489% | 3,365 |
| Noninterest income to average assets | 0.7700% | 943 |
| Noninterest expense to average assets | 2.7465% | 1,571 |
| Loan and lease loss provision to assets | -0.0700% | 4,341 |
| Net operating income to assets | 0.5153% | 3,426 |
| Return on assets (ROA) | 0.5153% | 3,455 |
| Pretax return on assets | 0.6807% | 3,316 |
| Return on Equity (ROE) | 5.1500% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.6276% | 2,972 |
| Net charge-offs to loans | 0.0256% | 1,812 |
| Credit loss provision to net charge-offs | -16.6667% | 4,339 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 1,207 |
| Efficiency ratio | 81.9123% | 957 |
| Assets per employee ($millions) | 4.7253% | 3,817 |
| Cash dividends to net income (ytd only)* | 29.5905% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,362 |
| Loan loss allowance to noncurrent loans | 157.0749% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 1,626 |
| Noncurrent loans to loans | 0.8878% | 1,128 |
| Net loans and leases to total assets | 45.9700% | 3,824 |
| Net loans and leases to deposits | 52.1049% | 3,883 |
| Net loans and leases to core deposits | 65.7474% | 3,578 |
| Total domestic deposits to total assets | 88.2300% | 1,175 |
| Equity capital to assets | 10.8081% | 1,828 |
| Core capital (leverage) ratio | 15.5556% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $195,881,250 | 3,021 |
| Average earning assets | $177,329,750 | 3,045 |
| Average equity | $19,590,000 | 2,999 |
| Average total loans | $93,732,250 | 3,275 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 3,766 |
| Cost of funding earning assets | 1.6642% | 2,941 |
| Net interest margin | 2.8464% | 3,343 |
| Noninterest income to average assets | 0.7800% | 909 |
| Noninterest expense to average assets | 2.8111% | 1,437 |
| Loan and lease loss provision to assets | -0.0800% | 4,378 |
| Net operating income to assets | 0.4580% | 3,538 |
| Return on assets (ROA) | 0.4580% | 3,577 |
| Pretax return on assets | 0.6255% | 3,392 |
| Return on Equity (ROE) | 4.7100% | 3,590 |
| Retained earnings to average equity (ytd only) | 2.3298% | 3,242 |
| Net charge-offs to loans | 0.0214% | 1,729 |
| Credit loss provision to net charge-offs | -200.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 52.9000% | 1,080 |
| Efficiency ratio | 83.7131% | 879 |
| Assets per employee ($millions) | 4.4847% | 3,924 |
| Cash dividends to net income (ytd only)* | 50.5643% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,328 |
| Loan loss allowance to noncurrent loans | 349.8667% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,456 |
| Noncurrent loans to loans | 0.4035% | 1,981 |
| Net loans and leases to total assets | 46.4300% | 3,811 |
| Net loans and leases to deposits | 51.8922% | 3,901 |
| Net loans and leases to core deposits | 68.6782% | 3,435 |
| Total domestic deposits to total assets | 89.4800% | 853 |
| Equity capital to assets | 9.6450% | 2,307 |
| Core capital (leverage) ratio | 15.8081% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $193,445,000 | 3,042 |
| Average earning assets | $175,100,333 | 3,063 |
| Average equity | $18,799,667 | 3,032 |
| Average total loans | $93,399,333 | 3,278 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 3,711 |
| Cost of funding earning assets | 1.5754% | 3,029 |
| Net interest margin | 2.9017% | 3,193 |
| Noninterest income to average assets | 0.8000% | 824 |
| Noninterest expense to average assets | 2.6840% | 1,721 |
| Loan and lease loss provision to assets | -0.0700% | 4,384 |
| Net operating income to assets | 0.6433% | 3,031 |
| Return on assets (ROA) | 0.6433% | 3,052 |
| Pretax return on assets | 0.8125% | 2,898 |
| Return on Equity (ROE) | 6.5900% | 3,058 |
| Retained earnings to average equity (ytd only) | 6.5941% | 1,948 |
| Net charge-offs to loans | 0.0299% | 1,271 |
| Credit loss provision to net charge-offs | 71.4286% | 1,322 |
| Earnings coverage of net charge-offs (x) | 50.7143% | 957 |
| Efficiency ratio | 78.3537% | 1,320 |
| Assets per employee ($millions) | 4.6893% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,290 |
| Loan loss allowance to noncurrent loans | 536.0000% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,662 |
| Noncurrent loans to loans | 0.2666% | 2,361 |
| Net loans and leases to total assets | 48.0800% | 3,700 |
| Net loans and leases to deposits | 53.6315% | 3,793 |
| Net loans and leases to core deposits | 65.8255% | 3,526 |
| Total domestic deposits to total assets | 89.6500% | 913 |
| Equity capital to assets | 9.6956% | 2,199 |
| Core capital (leverage) ratio | 15.9857% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $191,505,000 | 3,057 |
| Average earning assets | $173,413,000 | 3,085 |
| Average equity | $18,683,500 | 3,045 |
| Average total loans | $93,630,500 | 3,284 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 3,478 |
| Cost of funding earning assets | 1.3249% | 2,441 |
| Net interest margin | 2.9491% | 3,394 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.7986% | 1,504 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.5190% | 3,632 |
| Return on assets (ROA) | 0.5190% | 3,619 |
| Pretax return on assets | 0.6521% | 3,530 |
| Return on Equity (ROE) | 5.6700% | 3,590 |
| Retained earnings to average equity (ytd only) | 0.0799% | 4,025 |
| Net charge-offs to loans | 0.0204% | 1,934 |
| Credit loss provision to net charge-offs | -73.6842% | 4,469 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 1,141 |
| Efficiency ratio | 81.2737% | 829 |
| Assets per employee ($millions) | 4.5416% | 3,927 |
| Cash dividends to net income (ytd only)* | 98.5915% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 1,255 |
| Loan loss allowance to noncurrent loans | 1,065.0794% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,056 |
| Noncurrent loans to loans | 0.1348% | 2,832 |
| Net loans and leases to total assets | 48.3000% | 3,711 |
| Net loans and leases to deposits | 53.9723% | 3,798 |
| Net loans and leases to core deposits | 66.6303% | 3,470 |
| Total domestic deposits to total assets | 89.4900% | 909 |
| Equity capital to assets | 9.8171% | 2,112 |
| Core capital (leverage) ratio | 16.1180% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $191,526,400 | 3,041 |
| Average earning assets | $172,765,000 | 3,073 |
| Average equity | $17,517,000 | 3,050 |
| Average total loans | $93,192,200 | 3,250 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 3,407 |
| Cost of funding earning assets | 1.2475% | 2,286 |
| Net interest margin | 2.9890% | 3,356 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.7441% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5773% | 3,604 |
| Return on assets (ROA) | 0.5773% | 3,589 |
| Pretax return on assets | 0.7241% | 3,498 |
| Return on Equity (ROE) | 6.3800% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.6584% | 3,057 |
| Net charge-offs to loans | 0.0243% | 1,593 |
| Credit loss provision to net charge-offs | -11.7647% | 4,473 |
| Earnings coverage of net charge-offs (x) | 61.1176% | 1,193 |
| Efficiency ratio | 79.1533% | 913 |
| Assets per employee ($millions) | 4.6668% | 3,837 |
| Cash dividends to net income (ytd only)* | 26.9880% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,224 |
| Loan loss allowance to noncurrent loans | 797.6471% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 2,927 |
| Noncurrent loans to loans | 0.1830% | 2,627 |
| Net loans and leases to total assets | 47.8300% | 3,749 |
| Net loans and leases to deposits | 52.6302% | 3,856 |
| Net loans and leases to core deposits | 65.1731% | 3,474 |
| Total domestic deposits to total assets | 90.8800% | 701 |
| Equity capital to assets | 8.4155% | 2,777 |
| Core capital (leverage) ratio | 16.3220% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $191,678,250 | 3,047 |
| Average earning assets | $172,715,250 | 3,077 |
| Average equity | $17,344,500 | 3,055 |
| Average total loans | $93,121,000 | 3,259 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 3,353 |
| Cost of funding earning assets | 1.1493% | 2,134 |
| Net interest margin | 3.0213% | 3,373 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.7478% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5944% | 3,582 |
| Return on assets (ROA) | 0.5944% | 3,590 |
| Pretax return on assets | 0.7300% | 3,543 |
| Return on Equity (ROE) | 6.4200% | 3,592 |
| Retained earnings to average equity (ytd only) | 3.8967% | 3,230 |
| Net charge-offs to loans | 0.0172% | 1,570 |
| Credit loss provision to net charge-offs | -37.5000% | 4,521 |
| Earnings coverage of net charge-offs (x) | 87.1250% | 1,003 |
| Efficiency ratio | 79.0816% | 906 |
| Assets per employee ($millions) | 4.4500% | 3,980 |
| Cash dividends to net income (ytd only)* | 39.2982% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,299 |
| Loan loss allowance to noncurrent loans | 1,663.4146% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,348 |
| Noncurrent loans to loans | 0.0880% | 3,065 |
| Net loans and leases to total assets | 48.0100% | 3,690 |
| Net loans and leases to deposits | 53.3700% | 3,783 |
| Net loans and leases to core deposits | 64.5624% | 3,413 |
| Total domestic deposits to total assets | 89.9600% | 927 |
| Equity capital to assets | 9.4455% | 2,190 |
| Core capital (leverage) ratio | 15.9217% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $191,791,667 | 3,054 |
| Average earning assets | $172,970,000 | 3,081 |
| Average equity | $17,758,667 | 3,042 |
| Average total loans | $93,204,000 | 3,252 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,374 |
| Cost of funding earning assets | 0.9894% | 2,083 |
| Net interest margin | 3.0512% | 3,460 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.6769% | 1,730 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6291% | 3,636 |
| Return on assets (ROA) | 0.6291% | 3,594 |
| Pretax return on assets | 0.7979% | 3,468 |
| Return on Equity (ROE) | 6.8600% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.8632% | 2,532 |
| Net charge-offs to loans | 0.0129% | 1,473 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 128.6667% | 673 |
| Efficiency ratio | 76.9001% | 1,089 |
| Assets per employee ($millions) | 4.7705% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,356 |
| Loan loss allowance to noncurrent loans | 507.3801% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,441 |
| Noncurrent loans to loans | 0.2908% | 2,098 |
| Net loans and leases to total assets | 46.9400% | 3,714 |
| Net loans and leases to deposits | 51.9872% | 3,795 |
| Net loans and leases to core deposits | 62.5514% | 3,418 |
| Total domestic deposits to total assets | 90.2900% | 1,050 |
| Equity capital to assets | 9.2607% | 2,310 |
| Core capital (leverage) ratio | 16.1907% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $192,012,500 | 3,089 |
| Average earning assets | $173,438,000 | 3,115 |
| Average equity | $17,601,000 | 3,076 |
| Average total loans | $93,189,500 | 3,290 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 2,288 |
| Cost of funding earning assets | 0.5389% | 1,168 |
| Net interest margin | 3.2585% | 2,680 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.8195% | 1,278 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7261% | 3,549 |
| Return on assets (ROA) | 0.7341% | 3,466 |
| Pretax return on assets | 0.8953% | 3,372 |
| Return on Equity (ROE) | 6.7100% | 3,693 |
| Retained earnings to average equity (ytd only) | 1.5869% | 4,079 |
| Net charge-offs to loans | 0.0311% | 1,446 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 62.6071% | 1,225 |
| Efficiency ratio | 75.8040% | 1,033 |
| Assets per employee ($millions) | 4.4865% | 4,047 |
| Cash dividends to net income (ytd only)* | 76.3636% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,200 |
| Loan loss allowance to noncurrent loans | 309.9778% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 1,886 |
| Noncurrent loans to loans | 0.4839% | 1,491 |
| Net loans and leases to total assets | 48.7100% | 3,612 |
| Net loans and leases to deposits | 53.7517% | 3,693 |
| Net loans and leases to core deposits | 61.2138% | 3,439 |
| Total domestic deposits to total assets | 90.6300% | 1,096 |
| Equity capital to assets | 9.0689% | 2,318 |
| Core capital (leverage) ratio | 16.2873% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $194,789,000 | 3,072 |
| Average earning assets | $177,599,200 | 3,084 |
| Average equity | $21,299,000 | 2,831 |
| Average total loans | $90,121,600 | 3,290 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 1,931 |
| Cost of funding earning assets | 0.5105% | 719 |
| Net interest margin | 3.2282% | 2,538 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.6404% | 1,622 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8839% | 2,947 |
| Return on assets (ROA) | 0.8949% | 2,864 |
| Pretax return on assets | 1.0558% | 2,856 |
| Return on Equity (ROE) | 7.8600% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.5259% | 2,542 |
| Net charge-offs to loans | 0.0358% | 1,147 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 1,130 |
| Efficiency ratio | 71.3709% | 1,605 |
| Assets per employee ($millions) | 4.5097% | 4,047 |
| Cash dividends to net income (ytd only)* | 16.9954% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,218 |
| Loan loss allowance to noncurrent loans | 326.6355% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 2,017 |
| Noncurrent loans to loans | 0.4688% | 1,631 |
| Net loans and leases to total assets | 47.4600% | 3,671 |
| Net loans and leases to deposits | 52.4092% | 3,706 |
| Net loans and leases to core deposits | 58.9494% | 3,455 |
| Total domestic deposits to total assets | 90.5600% | 1,416 |
| Equity capital to assets | 8.9178% | 2,268 |
| Core capital (leverage) ratio | 16.2395% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $196,377,500 | 3,086 |
| Average earning assets | $179,412,000 | 3,094 |
| Average equity | $22,351,500 | 2,791 |
| Average total loans | $89,353,750 | 3,309 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 1,736 |
| Cost of funding earning assets | 0.5070% | 499 |
| Net interest margin | 3.1276% | 2,446 |
| Noninterest income to average assets | 0.7237% | 1,246 |
| Noninterest expense to average assets | 2.5687% | 1,731 |
| Loan and lease loss provision to assets | 0.0131% | 2,359 |
| Net operating income to assets | 0.8671% | 2,702 |
| Return on assets (ROA) | 0.8868% | 2,612 |
| Pretax return on assets | 1.0398% | 2,605 |
| Return on Equity (ROE) | 7.2895% | 3,222 |
| Retained earnings to average equity (ytd only) | 5.4361% | 2,539 |
| Net charge-offs to loans | 0.0293% | 1,139 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 78.6923% | 941 |
| Efficiency ratio | 71.3846% | 1,786 |
| Assets per employee ($millions) | 4.4982% | 4,069 |
| Cash dividends to net income (ytd only)* | 25.4257% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 1,261 |
| Loan loss allowance to noncurrent loans | 282.4242% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 1,959 |
| Noncurrent loans to loans | 0.5506% | 1,514 |
| Net loans and leases to total assets | 45.7591% | 3,726 |
| Net loans and leases to deposits | 51.2534% | 3,742 |
| Net loans and leases to core deposits | 57.7599% | 3,440 |
| Total domestic deposits to total assets | 89.2800% | 2,056 |
| Equity capital to assets | 10.2805% | 1,546 |
| Core capital (leverage) ratio | 15.7195% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,701,000 | 3,105 |
| Average earning assets | $182,629,667 | 3,115 |
| Average equity | $24,171,667 | 2,732 |
| Average total loans | $88,706,000 | 3,342 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5313% | 1,697 |
| Cost of funding earning assets | 0.5032% | 482 |
| Net interest margin | 3.0281% | 2,411 |
| Noninterest income to average assets | 0.6516% | 1,487 |
| Noninterest expense to average assets | 2.5569% | 1,729 |
| Loan and lease loss provision to assets | 0.0199% | 1,998 |
| Net operating income to assets | 0.7409% | 2,888 |
| Return on assets (ROA) | 0.7967% | 2,660 |
| Pretax return on assets | 0.9377% | 2,641 |
| Return on Equity (ROE) | 6.0954% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.0954% | 2,217 |
| Net charge-offs to loans | 0.0454% | 837 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 44.9000% | 962 |
| Efficiency ratio | 74.1359% | 1,728 |
| Assets per employee ($millions) | 4.9592% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,332 |
| Loan loss allowance to noncurrent loans | 862.9630% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 2,933 |
| Noncurrent loans to loans | 0.1827% | 2,901 |
| Net loans and leases to total assets | 44.0033% | 3,738 |
| Net loans and leases to deposits | 50.1289% | 3,722 |
| Net loans and leases to core deposits | 56.4262% | 3,413 |
| Total domestic deposits to total assets | 87.7802% | 2,632 |
| Equity capital to assets | 11.8987% | 998 |
| Core capital (leverage) ratio | 15.1716% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,339,500 | 3,090 |
| Average earning assets | $185,993,500 | 3,102 |
| Average equity | $26,315,000 | 2,695 |
| Average total loans | $88,105,500 | 3,356 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6931% | 2,133 |
| Cost of funding earning assets | 0.5780% | 609 |
| Net interest margin | 3.1151% | 2,861 |
| Noninterest income to average assets | 0.6084% | 2,119 |
| Noninterest expense to average assets | 2.6273% | 1,806 |
| Loan and lease loss provision to assets | 0.0135% | 2,811 |
| Net operating income to assets | 0.7143% | 3,594 |
| Return on assets (ROA) | 0.7413% | 3,575 |
| Pretax return on assets | 0.8789% | 3,551 |
| Return on Equity (ROE) | 4.8117% | 4,036 |
| Retained earnings to average equity (ytd only) | 1.1322% | 4,221 |
| Net charge-offs to loans | 0.0297% | 1,644 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 63.7308% | 1,136 |
| Efficiency ratio | 75.3349% | 1,169 |
| Assets per employee ($millions) | 4.9832% | 3,744 |
| Cash dividends to net income (ytd only)* | 76.4706% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 1,264 |
| Loan loss allowance to noncurrent loans | 842.1687% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 3,070 |
| Noncurrent loans to loans | 0.1897% | 2,998 |
| Net loans and leases to total assets | 42.1546% | 3,971 |
| Net loans and leases to deposits | 49.2946% | 3,926 |
| Net loans and leases to core deposits | 55.5149% | 3,663 |
| Total domestic deposits to total assets | 85.5158% | 3,085 |
| Equity capital to assets | 14.2072% | 630 |
| Core capital (leverage) ratio | 14.8949% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,632,000 | 3,116 |
| Average earning assets | $178,035,000 | 3,109 |
| Average equity | $29,677,800 | 2,556 |
| Average total loans | $87,486,800 | 3,372 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 2,181 |
| Cost of funding earning assets | 0.5936% | 659 |
| Net interest margin | 3.1427% | 2,926 |
| Noninterest income to average assets | 0.6016% | 2,208 |
| Noninterest expense to average assets | 2.6292% | 1,754 |
| Loan and lease loss provision to assets | 0.0058% | 2,858 |
| Net operating income to assets | 0.7312% | 3,693 |
| Return on assets (ROA) | 0.7646% | 3,674 |
| Pretax return on assets | 0.9045% | 3,681 |
| Return on Equity (ROE) | 4.8613% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.8604% | 3,619 |
| Net charge-offs to loans | 0.0122% | 1,878 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 154.8750% | 664 |
| Efficiency ratio | 75.1205% | 1,114 |
| Assets per employee ($millions) | 4.9637% | 3,733 |
| Cash dividends to net income (ytd only)* | 20.5882% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,314 |
| Loan loss allowance to noncurrent loans | 467.5585% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 2,826 |
| Noncurrent loans to loans | 0.3446% | 2,547 |
| Net loans and leases to total assets | 43.0000% | 4,022 |
| Net loans and leases to deposits | 50.9814% | 3,955 |
| Net loans and leases to core deposits | 57.3136% | 3,674 |
| Total domestic deposits to total assets | 84.3444% | 3,352 |
| Equity capital to assets | 15.1504% | 520 |
| Core capital (leverage) ratio | 15.9032% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,712,000 | 3,169 |
| Average earning assets | $174,963,500 | 3,169 |
| Average equity | $29,840,500 | 2,581 |
| Average total loans | $87,477,250 | 3,416 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 2,055 |
| Cost of funding earning assets | 0.6097% | 714 |
| Net interest margin | 3.1936% | 2,773 |
| Noninterest income to average assets | 0.5868% | 2,273 |
| Noninterest expense to average assets | 2.6000% | 1,851 |
| Loan and lease loss provision to assets | 0.0096% | 2,738 |
| Net operating income to assets | 0.7880% | 3,540 |
| Return on assets (ROA) | 0.8299% | 3,496 |
| Pretax return on assets | 0.9713% | 3,497 |
| Return on Equity (ROE) | 5.2083% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.7029% | 3,619 |
| Net charge-offs to loans | 0.0205% | 1,530 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 768 |
| Efficiency ratio | 73.6204% | 1,277 |
| Assets per employee ($millions) | 4.5409% | 4,076 |
| Cash dividends to net income (ytd only)* | 28.9032% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,339 |
| Loan loss allowance to noncurrent loans | 548.2353% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 2,650 |
| Noncurrent loans to loans | 0.2875% | 2,897 |
| Net loans and leases to total assets | 45.7770% | 3,919 |
| Net loans and leases to deposits | 54.5565% | 3,823 |
| Net loans and leases to core deposits | 61.6732% | 3,496 |
| Total domestic deposits to total assets | 83.9075% | 3,472 |
| Equity capital to assets | 15.6584% | 452 |
| Core capital (leverage) ratio | 15.9401% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,766,333 | 3,199 |
| Average earning assets | $172,222,000 | 3,194 |
| Average equity | $29,760,333 | 2,572 |
| Average total loans | $87,711,667 | 3,430 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 2,024 |
| Cost of funding earning assets | 0.6216% | 791 |
| Net interest margin | 3.2047% | 2,682 |
| Noninterest income to average assets | 0.5693% | 2,331 |
| Noninterest expense to average assets | 2.5975% | 1,891 |
| Loan and lease loss provision to assets | 0.0087% | 2,658 |
| Net operating income to assets | 0.7666% | 3,526 |
| Return on assets (ROA) | 0.7684% | 3,592 |
| Pretax return on assets | 0.9113% | 3,580 |
| Return on Equity (ROE) | 4.7797% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.7797% | 3,289 |
| Net charge-offs to loans | 0.0183% | 1,377 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 598 |
| Efficiency ratio | 73.8916% | 1,323 |
| Assets per employee ($millions) | 4.6714% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,323 |
| Loan loss allowance to noncurrent loans | 267.3040% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 2,174 |
| Noncurrent loans to loans | 0.5946% | 2,081 |
| Net loans and leases to total assets | 46.3274% | 3,937 |
| Net loans and leases to deposits | 55.1334% | 3,856 |
| Net loans and leases to core deposits | 62.6156% | 3,531 |
| Total domestic deposits to total assets | 84.0279% | 3,423 |
| Equity capital to assets | 15.6103% | 428 |
| Core capital (leverage) ratio | 16.5197% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,791,500 | 3,210 |
| Average earning assets | $169,875,000 | 3,215 |
| Average equity | $29,709,000 | 2,566 |
| Average total loans | $87,216,500 | 3,449 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 2,024 |
| Cost of funding earning assets | 0.6920% | 1,761 |
| Net interest margin | 3.5502% | 2,312 |
| Noninterest income to average assets | 0.6315% | 2,094 |
| Noninterest expense to average assets | 3.0038% | 1,429 |
| Loan and lease loss provision to assets | 0.0523% | 3,722 |
| Net operating income to assets | 0.7365% | 3,312 |
| Return on assets (ROA) | 0.7565% | 3,374 |
| Pretax return on assets | 0.8429% | 3,519 |
| Return on Equity (ROE) | 4.3912% | 4,062 |
| Retained earnings to average equity (ytd only) | 0.7885% | 4,296 |
| Net charge-offs to loans | 0.1029% | 1,438 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 16.6957% | 2,117 |
| Efficiency ratio | 77.4813% | 1,085 |
| Assets per employee ($millions) | 4.3506% | 4,073 |
| Cash dividends to net income (ytd only)* | 82.0436% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 1,246 |
| Loan loss allowance to noncurrent loans | 417.3134% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 1,548 |
| Noncurrent loans to loans | 0.3874% | 2,822 |
| Net loans and leases to total assets | 46.5566% | 4,092 |
| Net loans and leases to deposits | 56.0065% | 3,996 |
| Net loans and leases to core deposits | 62.0074% | 3,827 |
| Total domestic deposits to total assets | 83.1272% | 3,374 |
| Equity capital to assets | 16.5543% | 379 |
| Core capital (leverage) ratio | 16.5253% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,944,000 | 3,142 |
| Average earning assets | $160,836,800 | 3,159 |
| Average equity | $30,310,800 | 2,465 |
| Average total loans | $89,415,400 | 3,407 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 1,970 |
| Cost of funding earning assets | 0.7067% | 1,987 |
| Net interest margin | 3.6443% | 2,112 |
| Noninterest income to average assets | 0.6726% | 1,893 |
| Noninterest expense to average assets | 3.0048% | 1,436 |
| Loan and lease loss provision to assets | 0.0597% | 3,594 |
| Net operating income to assets | 0.8052% | 3,067 |
| Return on assets (ROA) | 0.8302% | 3,106 |
| Pretax return on assets | 0.9634% | 3,187 |
| Return on Equity (ROE) | 4.7702% | 3,948 |
| Retained earnings to average equity (ytd only) | 3.7854% | 3,149 |
| Net charge-offs to loans | 0.1154% | 1,202 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 16.6538% | 2,051 |
| Efficiency ratio | 75.1435% | 1,284 |
| Assets per employee ($millions) | 4.2800% | 4,061 |
| Cash dividends to net income (ytd only)* | 20.6452% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,206 |
| Loan loss allowance to noncurrent loans | 842.1687% | 690 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 1,083 |
| Noncurrent loans to loans | 0.1852% | 3,650 |
| Net loans and leases to total assets | 49.0810% | 4,148 |
| Net loans and leases to deposits | 59.7741% | 4,068 |
| Net loans and leases to core deposits | 66.2454% | 3,879 |
| Total domestic deposits to total assets | 82.1108% | 3,393 |
| Equity capital to assets | 17.2439% | 351 |
| Core capital (leverage) ratio | 16.9667% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,248,500 | 3,139 |
| Average earning assets | $159,038,250 | 3,160 |
| Average equity | $30,326,250 | 2,454 |
| Average total loans | $90,152,000 | 3,412 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 2,150 |
| Cost of funding earning assets | 0.7212% | 2,286 |
| Net interest margin | 3.7016% | 2,156 |
| Noninterest income to average assets | 0.7215% | 1,664 |
| Noninterest expense to average assets | 3.0752% | 1,417 |
| Loan and lease loss provision to assets | 0.0893% | 3,159 |
| Net operating income to assets | 0.7980% | 3,052 |
| Return on assets (ROA) | 0.8259% | 3,066 |
| Pretax return on assets | 0.9651% | 3,127 |
| Return on Equity (ROE) | 4.7305% | 3,906 |
| Retained earnings to average equity (ytd only) | 3.2423% | 3,290 |
| Net charge-offs to loans | 0.1705% | 873 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 11.4416% | 2,098 |
| Efficiency ratio | 75.0566% | 1,365 |
| Assets per employee ($millions) | 4.1303% | 4,175 |
| Cash dividends to net income (ytd only)* | 31.4607% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 1,115 |
| Loan loss allowance to noncurrent loans | 459.8684% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 1,015 |
| Noncurrent loans to loans | 0.3379% | 3,182 |
| Net loans and leases to total assets | 48.7322% | 4,222 |
| Net loans and leases to deposits | 59.0630% | 4,164 |
| Net loans and leases to core deposits | 65.3078% | 4,006 |
| Total domestic deposits to total assets | 82.5089% | 3,234 |
| Equity capital to assets | 16.8413% | 389 |
| Core capital (leverage) ratio | 17.0122% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,410,667 | 3,140 |
| Average earning assets | $157,228,667 | 3,160 |
| Average equity | $30,102,333 | 2,455 |
| Average total loans | $90,327,000 | 3,407 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,210 |
| Cost of funding earning assets | 0.7515% | 2,660 |
| Net interest margin | 3.7839% | 2,041 |
| Noninterest income to average assets | 0.8274% | 1,235 |
| Noninterest expense to average assets | 3.3550% | 1,134 |
| Loan and lease loss provision to assets | 0.0334% | 3,352 |
| Net operating income to assets | 0.7201% | 3,202 |
| Return on assets (ROA) | 0.7201% | 3,287 |
| Pretax return on assets | 0.8846% | 3,176 |
| Return on Equity (ROE) | 4.0468% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.0468% | 2,662 |
| Net charge-offs to loans | 0.0619% | 1,391 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,235 |
| Efficiency ratio | 78.5156% | 1,280 |
| Assets per employee ($millions) | 3.7582% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,213 |
| Loan loss allowance to noncurrent loans | 197.1791% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 863 |
| Noncurrent loans to loans | 0.7824% | 2,049 |
| Net loans and leases to total assets | 52.7545% | 4,072 |
| Net loans and leases to deposits | 65.0711% | 3,921 |
| Net loans and leases to core deposits | 72.5104% | 3,730 |
| Total domestic deposits to total assets | 81.0721% | 3,647 |
| Equity capital to assets | 17.7689% | 374 |
| Core capital (leverage) ratio | 17.9967% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,750,000 | 3,156 |
| Average earning assets | $152,753,500 | 3,165 |
| Average equity | $29,850,500 | 2,463 |
| Average total loans | $90,510,500 | 3,386 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 2,817 |
| Cost of funding earning assets | 0.7678% | 2,837 |
| Net interest margin | 3.7701% | 2,609 |
| Noninterest income to average assets | 0.7364% | 1,677 |
| Noninterest expense to average assets | 3.3096% | 1,278 |
| Loan and lease loss provision to assets | 0.0261% | 3,495 |
| Net operating income to assets | 0.6697% | 3,952 |
| Return on assets (ROA) | 0.6924% | 3,953 |
| Pretax return on assets | 0.8602% | 3,853 |
| Return on Equity (ROE) | 4.0104% | 4,455 |
| Retained earnings to average equity (ytd only) | 0.3487% | 4,593 |
| Net charge-offs to loans | 0.0471% | 2,445 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 32.9333% | 1,484 |
| Efficiency ratio | 79.4138% | 991 |
| Assets per employee ($millions) | 3.7813% | 4,167 |
| Cash dividends to net income (ytd only)* | 91.3043% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 1,099 |
| Loan loss allowance to noncurrent loans | 179.0013% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 718 |
| Noncurrent loans to loans | 0.8639% | 1,783 |
| Net loans and leases to total assets | 53.4959% | 4,112 |
| Net loans and leases to deposits | 65.3653% | 3,988 |
| Net loans and leases to core deposits | 70.1752% | 3,956 |
| Total domestic deposits to total assets | 81.8415% | 3,549 |
| Equity capital to assets | 17.8208% | 384 |
| Core capital (leverage) ratio | 17.6997% | 360 |
| Tier 1 risk-based capital ratio | 29.8927% | 479 |
| Total risk-based capital ratio | 31.1447% | 471 |
| Memoranda: | ||
| Average total assets | $172,741,800 | 3,088 |
| Average earning assets | $157,208,800 | 3,110 |
| Average equity | $29,822,200 | 2,404 |
| Average total loans | $95,512,400 | 3,289 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 2,984 |
| Cost of funding earning assets | 0.7648% | 2,893 |
| Net interest margin | 3.7584% | 2,723 |
| Noninterest income to average assets | 0.8030% | 1,411 |
| Noninterest expense to average assets | 3.1181% | 1,674 |
| Loan and lease loss provision to assets | 0.0337% | 3,238 |
| Net operating income to assets | 0.8849% | 3,401 |
| Return on assets (ROA) | 0.9002% | 3,420 |
| Pretax return on assets | 1.0860% | 3,338 |
| Return on Equity (ROE) | 5.2546% | 4,254 |
| Retained earnings to average equity (ytd only) | 4.2545% | 3,269 |
| Net charge-offs to loans | 0.0606% | 1,948 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 32.7246% | 1,548 |
| Efficiency ratio | 73.8989% | 1,581 |
| Assets per employee ($millions) | 3.6500% | 4,334 |
| Cash dividends to net income (ytd only)* | 19.0315% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 1,150 |
| Loan loss allowance to noncurrent loans | 234.5638% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 885 |
| Noncurrent loans to loans | 0.6544% | 2,324 |
| Net loans and leases to total assets | 53.4121% | 4,223 |
| Net loans and leases to deposits | 65.8782% | 4,076 |
| Net loans and leases to core deposits | 70.9079% | 4,004 |
| Total domestic deposits to total assets | 81.0771% | 3,732 |
| Equity capital to assets | 18.2761% | 371 |
| Core capital (leverage) ratio | 17.9554% | 357 |
| Tier 1 risk-based capital ratio | 31.0746% | 450 |
| Total risk-based capital ratio | 32.3264% | 445 |
| Memoranda: | ||
| Average total assets | $174,332,500 | 3,103 |
| Average earning assets | $158,469,250 | 3,128 |
| Average equity | $29,865,250 | 2,417 |
| Average total loans | $96,789,500 | 3,308 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 3,106 |
| Cost of funding earning assets | 0.7481% | 2,903 |
| Net interest margin | 3.7218% | 2,867 |
| Noninterest income to average assets | 0.7967% | 1,360 |
| Noninterest expense to average assets | 3.0973% | 1,738 |
| Loan and lease loss provision to assets | 0.0499% | 2,824 |
| Net operating income to assets | 0.8430% | 3,497 |
| Return on assets (ROA) | 0.8579% | 3,502 |
| Pretax return on assets | 1.0506% | 3,385 |
| Return on Equity (ROE) | 5.1163% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.6024% | 3,449 |
| Net charge-offs to loans | 0.0892% | 1,477 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 21.7045% | 1,726 |
| Efficiency ratio | 74.1052% | 1,630 |
| Assets per employee ($millions) | 4.0091% | 3,850 |
| Cash dividends to net income (ytd only)* | 29.5905% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,430 |
| Loan loss allowance to noncurrent loans | 313.4529% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 893 |
| Noncurrent loans to loans | 0.4618% | 2,897 |
| Net loans and leases to total assets | 55.2122% | 4,123 |
| Net loans and leases to deposits | 67.4280% | 4,000 |
| Net loans and leases to core deposits | 73.9743% | 3,894 |
| Total domestic deposits to total assets | 81.8833% | 3,550 |
| Equity capital to assets | 17.5477% | 420 |
| Core capital (leverage) ratio | 17.4859% | 384 |
| Tier 1 risk-based capital ratio | 30.2883% | 473 |
| Total risk-based capital ratio | 31.5396% | 467 |
| Memoranda: | ||
| Average total assets | $176,476,000 | 3,095 |
| Average earning assets | $160,406,000 | 3,129 |
| Average equity | $29,591,670 | 2,427 |
| Average total loans | $98,693,330 | 3,306 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 3,271 |
| Cost of funding earning assets | 0.7274% | 2,903 |
| Net interest margin | 3.6617% | 3,040 |
| Noninterest income to average assets | 0.7260% | 1,527 |
| Noninterest expense to average assets | 3.1235% | 1,680 |
| Loan and lease loss provision to assets | 0.0291% | 3,035 |
| Net operating income to assets | 0.7159% | 3,881 |
| Return on assets (ROA) | 0.7372% | 3,864 |
| Pretax return on assets | 0.9276% | 3,668 |
| Return on Equity (ROE) | 4.4973% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.4973% | 3,124 |
| Net charge-offs to loans | 0.0521% | 1,541 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 31.9231% | 1,294 |
| Efficiency ratio | 77.0591% | 1,373 |
| Assets per employee ($millions) | 3.8769% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,522 |
| Loan loss allowance to noncurrent loans | 210.5422% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 1.5580% | 752 |
| Noncurrent loans to loans | 0.6865% | 2,303 |
| Net loans and leases to total assets | 54.6429% | 4,158 |
| Net loans and leases to deposits | 66.2221% | 4,039 |
| Net loans and leases to core deposits | 72.0919% | 3,939 |
| Total domestic deposits to total assets | 82.5146% | 3,574 |
| Equity capital to assets | 17.0217% | 443 |
| Core capital (leverage) ratio | 16.6695% | 459 |
| Tier 1 risk-based capital ratio | 29.9346% | 480 |
| Total risk-based capital ratio | 31.1858% | 469 |
| Memoranda: | ||
| Average total assets | $178,517,500 | 3,103 |
| Average earning assets | $162,220,500 | 3,146 |
| Average equity | $29,262,000 | 2,451 |
| Average total loans | $99,750,000 | 3,331 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 3,083 |
| Cost of funding earning assets | 0.5927% | 2,778 |
| Net interest margin | 3.7146% | 2,979 |
| Noninterest income to average assets | 0.8091% | 1,417 |
| Noninterest expense to average assets | 2.9602% | 2,164 |
| Loan and lease loss provision to assets | 0.0737% | 2,657 |
| Net operating income to assets | 0.9617% | 3,169 |
| Return on assets (ROA) | 0.9631% | 3,167 |
| Pretax return on assets | 1.1686% | 3,024 |
| Return on Equity (ROE) | 6.2097% | 4,104 |
| Retained earnings to average equity (ytd only) | 2.3916% | 4,184 |
| Net charge-offs to loans | 0.2653% | 728 |
| Credit loss provision to net charge-offs | 49.0975% | 3,207 |
| Earnings coverage of net charge-offs (x) | 8.2599% | 2,912 |
| Efficiency ratio | 70.4660% | 2,112 |
| Assets per employee ($millions) | 4.2459% | 3,549 |
| Cash dividends to net income (ytd only)* | 61.4865% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 1,792 |
| Loan loss allowance to noncurrent loans | 154.4751% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.6251% | 686 |
| Noncurrent loans to loans | 0.8806% | 1,828 |
| Net loans and leases to total assets | 55.5246% | 4,164 |
| Net loans and leases to deposits | 66.0959% | 4,113 |
| Net loans and leases to core deposits | 70.9579% | 4,061 |
| Total domestic deposits to total assets | 84.0060% | 2,995 |
| Equity capital to assets | 15.7897% | 568 |
| Core capital (leverage) ratio | 16.2812% | 481 |
| Tier 1 risk-based capital ratio | 29.2528% | 504 |
| Total risk-based capital ratio | 30.5039% | 492 |
| Memoranda: | ||
| Average total assets | $184,411,600 | 3,013 |
| Average earning assets | $168,389,200 | 3,043 |
| Average equity | $28,600,200 | 2,424 |
| Average total loans | $104,391,200 | 3,225 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 3,038 |
| Cost of funding earning assets | 0.5723% | 2,687 |
| Net interest margin | 3.7071% | 2,994 |
| Noninterest income to average assets | 0.8272% | 1,385 |
| Noninterest expense to average assets | 2.9230% | 2,245 |
| Loan and lease loss provision to assets | 0.0620% | 2,736 |
| Net operating income to assets | 1.0181% | 3,010 |
| Return on assets (ROA) | 1.0241% | 3,002 |
| Pretax return on assets | 1.2362% | 2,865 |
| Return on Equity (ROE) | 6.6331% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.5867% | 2,895 |
| Net charge-offs to loans | 0.2901% | 575 |
| Credit loss provision to net charge-offs | 37.7193% | 2,921 |
| Earnings coverage of net charge-offs (x) | 7.8509% | 2,769 |
| Efficiency ratio | 69.3651% | 2,293 |
| Assets per employee ($millions) | 4.0930% | 3,740 |
| Cash dividends to net income (ytd only)* | 15.7747% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 1,964 |
| Loan loss allowance to noncurrent loans | 57.4599% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.0594% | 510 |
| Noncurrent loans to loans | 2.3140% | 586 |
| Net loans and leases to total assets | 56.3266% | 4,186 |
| Net loans and leases to deposits | 68.0503% | 4,058 |
| Net loans and leases to core deposits | 73.3531% | 3,988 |
| Total domestic deposits to total assets | 82.7720% | 3,382 |
| Equity capital to assets | 15.6518% | 591 |
| Core capital (leverage) ratio | 16.3205% | 475 |
| Tier 1 risk-based capital ratio | 29.3203% | 508 |
| Total risk-based capital ratio | 30.5714% | 499 |
| Memoranda: | ||
| Average total assets | $184,870,750 | 3,029 |
| Average earning assets | $168,897,750 | 3,057 |
| Average equity | $28,543,250 | 2,432 |
| Average total loans | $104,796,000 | 3,246 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 2,905 |
| Cost of funding earning assets | 0.5518% | 2,596 |
| Net interest margin | 3.7095% | 2,887 |
| Noninterest income to average assets | 0.8363% | 1,365 |
| Noninterest expense to average assets | 2.9530% | 2,190 |
| Loan and lease loss provision to assets | 0.0735% | 2,414 |
| Net operating income to assets | 0.9709% | 3,140 |
| Return on assets (ROA) | 0.9735% | 3,132 |
| Pretax return on assets | 1.1983% | 2,952 |
| Return on Equity (ROE) | 6.3343% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.7595% | 3,203 |
| Net charge-offs to loans | 0.1299% | 1,140 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 17.2647% | 1,959 |
| Efficiency ratio | 69.9514% | 2,321 |
| Assets per employee ($millions) | 4.3263% | 3,392 |
| Cash dividends to net income (ytd only)* | 24.8613% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 1,366 |
| Loan loss allowance to noncurrent loans | 78.0933% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.0088% | 535 |
| Noncurrent loans to loans | 1.9343% | 790 |
| Net loans and leases to total assets | 53.9743% | 4,339 |
| Net loans and leases to deposits | 64.1267% | 4,273 |
| Net loans and leases to core deposits | 68.7615% | 4,216 |
| Total domestic deposits to total assets | 84.1682% | 3,002 |
| Equity capital to assets | 15.3835% | 612 |
| Core capital (leverage) ratio | 16.0183% | 489 |
| Tier 1 risk-based capital ratio | 29.4837% | 493 |
| Total risk-based capital ratio | 30.7369% | 488 |
| Memoranda: | ||
| Average total assets | $185,100,000 | 3,049 |
| Average earning assets | $168,916,330 | 3,074 |
| Average equity | $28,448,330 | 2,445 |
| Average total loans | $104,680,670 | 3,254 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 2,571 |
| Cost of funding earning assets | 0.5520% | 2,389 |
| Net interest margin | 3.7357% | 2,664 |
| Noninterest income to average assets | 0.7366% | 1,675 |
| Noninterest expense to average assets | 3.1023% | 1,820 |
| Loan and lease loss provision to assets | 0.0238% | 3,212 |
| Net operating income to assets | 0.6608% | 4,240 |
| Return on assets (ROA) | 0.6608% | 4,247 |
| Pretax return on assets | 1.0117% | 3,493 |
| Return on Equity (ROE) | 4.3013% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.3013% | 3,464 |
| Net charge-offs to loans | 0.0415% | 1,705 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 43.4545% | 1,021 |
| Efficiency ratio | 74.9738% | 1,750 |
| Assets per employee ($millions) | 4.2468% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,648 |
| Loan loss allowance to noncurrent loans | 70.2875% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.9683% | 585 |
| Noncurrent loans to loans | 2.0651% | 756 |
| Net loans and leases to total assets | 55.9531% | 4,127 |
| Net loans and leases to deposits | 66.8068% | 4,032 |
| Net loans and leases to core deposits | 71.4845% | 4,007 |
| Total domestic deposits to total assets | 83.7536% | 3,416 |
| Equity capital to assets | 15.1354% | 641 |
| Core capital (leverage) ratio | 15.8742% | 505 |
| Tier 1 risk-based capital ratio | 28.0504% | 558 |
| Total risk-based capital ratio | 29.3030% | 554 |
| Memoranda: | ||
| Average total assets | $184,634,500 | 3,086 |
| Average earning assets | $168,107,000 | 3,123 |
| Average equity | $28,363,500 | 2,475 |
| Average total loans | $106,046,500 | 3,263 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 2,387 |
| Cost of funding earning assets | 0.4958% | 2,372 |
| Net interest margin | 3.7877% | 2,471 |
| Noninterest income to average assets | 0.7931% | 1,588 |
| Noninterest expense to average assets | 2.9499% | 2,288 |
| Loan and lease loss provision to assets | 0.0725% | 2,759 |
| Net operating income to assets | 0.8792% | 2,821 |
| Return on assets (ROA) | 0.8831% | 2,825 |
| Pretax return on assets | 1.2506% | 2,551 |
| Return on Equity (ROE) | 5.6323% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.0035% | 4,120 |
| Net charge-offs to loans | 0.1375% | 1,690 |
| Credit loss provision to net charge-offs | 89.7959% | 2,789 |
| Earnings coverage of net charge-offs (x) | 16.3197% | 2,188 |
| Efficiency ratio | 69.1248% | 2,673 |
| Assets per employee ($millions) | 4.0535% | 3,877 |
| Cash dividends to net income (ytd only)* | 64.4279% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,572 |
| Loan loss allowance to noncurrent loans | 82.9295% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.0125% | 556 |
| Noncurrent loans to loans | 1.7519% | 918 |
| Net loans and leases to total assets | 57.2664% | 4,081 |
| Net loans and leases to deposits | 68.0080% | 4,027 |
| Net loans and leases to core deposits | 73.1163% | 3,961 |
| Total domestic deposits to total assets | 84.2053% | 3,121 |
| Equity capital to assets | 15.5941% | 571 |
| Core capital (leverage) ratio | 15.8121% | 492 |
| Tier 1 risk-based capital ratio | 27.7311% | 555 |
| Total risk-based capital ratio | 28.9838% | 542 |
| Memoranda: | ||
| Average total assets | $182,076,400 | 3,091 |
| Average earning assets | $167,015,400 | 3,116 |
| Average equity | $28,549,400 | 2,458 |
| Average total loans | $106,888,600 | 3,229 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 2,274 |
| Cost of funding earning assets | 0.4821% | 2,414 |
| Net interest margin | 3.8138% | 2,346 |
| Noninterest income to average assets | 0.7795% | 1,667 |
| Noninterest expense to average assets | 2.9510% | 2,246 |
| Loan and lease loss provision to assets | 0.0645% | 2,784 |
| Net operating income to assets | 0.8846% | 3,109 |
| Return on assets (ROA) | 0.8887% | 3,133 |
| Pretax return on assets | 1.2703% | 2,624 |
| Return on Equity (ROE) | 5.6597% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.6145% | 3,132 |
| Net charge-offs to loans | 0.1282% | 1,500 |
| Credit loss provision to net charge-offs | 85.4369% | 2,514 |
| Earnings coverage of net charge-offs (x) | 17.6117% | 2,096 |
| Efficiency ratio | 68.9490% | 2,721 |
| Assets per employee ($millions) | 3.9869% | 4,014 |
| Cash dividends to net income (ytd only)* | 18.4667% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,719 |
| Loan loss allowance to noncurrent loans | 110.3152% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.5338% | 980 |
| Noncurrent loans to loans | 1.3095% | 1,462 |
| Net loans and leases to total assets | 57.2898% | 4,126 |
| Net loans and leases to deposits | 68.5650% | 4,073 |
| Net loans and leases to core deposits | 73.7269% | 4,000 |
| Total domestic deposits to total assets | 83.5555% | 3,273 |
| Equity capital to assets | 15.9390% | 553 |
| Core capital (leverage) ratio | 16.1135% | 480 |
| Tier 1 risk-based capital ratio | 28.3376% | 545 |
| Total risk-based capital ratio | 29.5906% | 540 |
| Memoranda: | ||
| Average total assets | $181,993,250 | 3,118 |
| Average earning assets | $167,040,000 | 3,142 |
| Average equity | $28,575,500 | 2,474 |
| Average total loans | $107,111,000 | 3,255 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 2,047 |
| Cost of funding earning assets | 0.4767% | 2,361 |
| Net interest margin | 3.8492% | 2,101 |
| Noninterest income to average assets | 0.7580% | 1,736 |
| Noninterest expense to average assets | 2.9318% | 2,319 |
| Loan and lease loss provision to assets | 0.0595% | 2,780 |
| Net operating income to assets | 0.9180% | 2,816 |
| Return on assets (ROA) | 0.9211% | 2,859 |
| Pretax return on assets | 1.3034% | 2,369 |
| Return on Equity (ROE) | 5.8963% | 4,093 |
| Retained earnings to average equity (ytd only) | 4.3164% | 3,137 |
| Net charge-offs to loans | 0.1007% | 1,617 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 22.8333% | 1,696 |
| Efficiency ratio | 68.3359% | 2,950 |
| Assets per employee ($millions) | 4.0259% | 3,910 |
| Cash dividends to net income (ytd only)* | 26.7943% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,731 |
| Loan loss allowance to noncurrent loans | 127.9835% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.3523% | 1,185 |
| Noncurrent loans to loans | 1.1400% | 1,716 |
| Net loans and leases to total assets | 57.9714% | 4,038 |
| Net loans and leases to deposits | 69.3344% | 3,958 |
| Net loans and leases to core deposits | 74.5535% | 3,894 |
| Total domestic deposits to total assets | 83.6113% | 3,360 |
| Equity capital to assets | 15.9599% | 536 |
| Core capital (leverage) ratio | 15.9752% | 482 |
| Tier 1 risk-based capital ratio | 27.9129% | 555 |
| Total risk-based capital ratio | 29.1652% | 545 |
| Memoranda: | ||
| Average total assets | $181,524,670 | 3,138 |
| Average earning assets | $166,579,000 | 3,156 |
| Average equity | $28,356,670 | 2,483 |
| Average total loans | $107,278,330 | 3,261 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 1,915 |
| Cost of funding earning assets | 0.4779% | 2,265 |
| Net interest margin | 3.8378% | 1,995 |
| Noninterest income to average assets | 0.7221% | 1,861 |
| Noninterest expense to average assets | 3.0159% | 2,128 |
| Loan and lease loss provision to assets | 0.0374% | 3,050 |
| Net operating income to assets | 0.8056% | 3,197 |
| Return on assets (ROA) | 0.8101% | 3,232 |
| Pretax return on assets | 1.1932% | 2,622 |
| Return on Equity (ROE) | 5.2425% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.2425% | 2,760 |
| Net charge-offs to loans | 0.0632% | 1,700 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 32.7059% | 1,166 |
| Efficiency ratio | 71.1319% | 2,713 |
| Assets per employee ($millions) | 4.0316% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,851 |
| Loan loss allowance to noncurrent loans | 120.5426% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 1,058 |
| Noncurrent loans to loans | 1.2069% | 1,675 |
| Net loans and leases to total assets | 58.0589% | 3,970 |
| Net loans and leases to deposits | 69.1684% | 3,879 |
| Net loans and leases to core deposits | 74.5136% | 3,791 |
| Total domestic deposits to total assets | 83.9385% | 3,501 |
| Equity capital to assets | 15.6454% | 551 |
| Core capital (leverage) ratio | 15.7446% | 499 |
| Tier 1 risk-based capital ratio | 27.6793% | 580 |
| Total risk-based capital ratio | 28.9317% | 569 |
| Memoranda: | ||
| Average total assets | $181,703,500 | 3,168 |
| Average earning assets | $166,555,500 | 3,183 |
| Average equity | $28,078,000 | 2,507 |
| Average total loans | $107,627,500 | 3,279 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 1,839 |
| Cost of funding earning assets | 0.5059% | 2,042 |
| Net interest margin | 3.8888% | 2,000 |
| Noninterest income to average assets | 0.8230% | 1,667 |
| Noninterest expense to average assets | 2.9806% | 2,406 |
| Loan and lease loss provision to assets | 0.1405% | 1,775 |
| Net operating income to assets | 0.9192% | 2,725 |
| Return on assets (ROA) | 0.9310% | 2,785 |
| Pretax return on assets | 1.2817% | 2,346 |
| Return on Equity (ROE) | 6.0928% | 3,932 |
| Retained earnings to average equity (ytd only) | 2.4293% | 4,144 |
| Net charge-offs to loans | 0.2414% | 1,156 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 10.0077% | 2,694 |
| Efficiency ratio | 67.9478% | 3,243 |
| Assets per employee ($millions) | 3.9562% | 4,050 |
| Cash dividends to net income (ytd only)* | 60.1277% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,937 |
| Loan loss allowance to noncurrent loans | 102.5726% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7320% | 884 |
| Noncurrent loans to loans | 1.3989% | 1,455 |
| Net loans and leases to total assets | 58.6935% | 4,003 |
| Net loans and leases to deposits | 69.4183% | 3,970 |
| Net loans and leases to core deposits | 74.5065% | 3,877 |
| Total domestic deposits to total assets | 84.5505% | 3,221 |
| Equity capital to assets | 15.2605% | 601 |
| Core capital (leverage) ratio | 15.5126% | 528 |
| Tier 1 risk-based capital ratio | 27.0263% | 612 |
| Total risk-based capital ratio | 28.2784% | 604 |
| Memoranda: | ||
| Average total assets | $185,061,200 | 3,111 |
| Average earning assets | $169,588,600 | 3,118 |
| Average equity | $28,279,200 | 2,492 |
| Average total loans | $107,714,800 | 3,246 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 1,875 |
| Cost of funding earning assets | 0.5107% | 2,010 |
| Net interest margin | 3.8837% | 2,040 |
| Noninterest income to average assets | 0.8445% | 1,593 |
| Noninterest expense to average assets | 2.9654% | 2,414 |
| Loan and lease loss provision to assets | 0.1751% | 1,286 |
| Net operating income to assets | 0.9010% | 2,899 |
| Return on assets (ROA) | 0.9148% | 2,958 |
| Pretax return on assets | 1.2864% | 2,482 |
| Return on Equity (ROE) | 5.9845% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.9331% | 2,877 |
| Net charge-offs to loans | 0.3025% | 759 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 8.2376% | 2,792 |
| Efficiency ratio | 67.2798% | 3,360 |
| Assets per employee ($millions) | 3.9489% | 4,049 |
| Cash dividends to net income (ytd only)* | 17.5686% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 2,043 |
| Loan loss allowance to noncurrent loans | 149.5192% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 1,209 |
| Noncurrent loans to loans | 0.9588% | 2,325 |
| Net loans and leases to total assets | 58.8577% | 4,007 |
| Net loans and leases to deposits | 70.5253% | 3,936 |
| Net loans and leases to core deposits | 75.7849% | 3,864 |
| Total domestic deposits to total assets | 83.4561% | 3,418 |
| Equity capital to assets | 15.9802% | 561 |
| Core capital (leverage) ratio | 15.4626% | 562 |
| Tier 1 risk-based capital ratio | 27.6530% | 603 |
| Total risk-based capital ratio | 28.9052% | 587 |
| Memoranda: | ||
| Average total assets | $185,830,000 | 3,107 |
| Average earning assets | $170,485,250 | 3,118 |
| Average equity | $28,406,000 | 2,503 |
| Average total loans | $107,551,250 | 3,262 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 1,925 |
| Cost of funding earning assets | 0.5141% | 1,992 |
| Net interest margin | 3.8518% | 2,130 |
| Noninterest income to average assets | 0.8108% | 1,670 |
| Noninterest expense to average assets | 2.8907% | 2,708 |
| Loan and lease loss provision to assets | 0.1966% | 1,099 |
| Net operating income to assets | 0.8563% | 3,068 |
| Return on assets (ROA) | 0.8760% | 3,093 |
| Pretax return on assets | 1.2819% | 2,479 |
| Return on Equity (ROE) | 5.8159% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.2271% | 3,223 |
| Net charge-offs to loans | 0.3431% | 686 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 2,634 |
| Efficiency ratio | 66.6010% | 3,587 |
| Assets per employee ($millions) | 4.0336% | 3,842 |
| Cash dividends to net income (ytd only)* | 27.3171% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 2,092 |
| Loan loss allowance to noncurrent loans | 176.1042% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5554% | 1,210 |
| Noncurrent loans to loans | 0.8199% | 2,692 |
| Net loans and leases to total assets | 57.2055% | 4,197 |
| Net loans and leases to deposits | 68.1807% | 4,165 |
| Net loans and leases to core deposits | 73.2400% | 4,054 |
| Total domestic deposits to total assets | 83.9027% | 3,306 |
| Equity capital to assets | 15.4538% | 636 |
| Core capital (leverage) ratio | 14.9549% | 620 |
| Tier 1 risk-based capital ratio | 28.0200% | 590 |
| Total risk-based capital ratio | 29.2735% | 577 |
| Memoranda: | ||
| Average total assets | $187,223,330 | 3,114 |
| Average earning assets | $171,558,330 | 3,126 |
| Average equity | $28,198,670 | 2,520 |
| Average total loans | $107,245,000 | 3,280 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 1,984 |
| Cost of funding earning assets | 0.5220% | 1,926 |
| Net interest margin | 3.8213% | 2,215 |
| Noninterest income to average assets | 0.8040% | 1,601 |
| Noninterest expense to average assets | 2.9395% | 2,574 |
| Loan and lease loss provision to assets | 0.0957% | 2,095 |
| Net operating income to assets | 0.8836% | 2,838 |
| Return on assets (ROA) | 0.9188% | 2,767 |
| Pretax return on assets | 1.3230% | 2,205 |
| Return on Equity (ROE) | 6.1800% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.1800% | 2,292 |
| Net charge-offs to loans | 0.1682% | 1,131 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 14.2889% | 1,703 |
| Efficiency ratio | 68.2469% | 3,419 |
| Assets per employee ($millions) | 4.0372% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 2,155 |
| Loan loss allowance to noncurrent loans | 182.0843% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 1,254 |
| Noncurrent loans to loans | 0.8023% | 2,830 |
| Net loans and leases to total assets | 55.2751% | 4,327 |
| Net loans and leases to deposits | 65.3377% | 4,312 |
| Net loans and leases to core deposits | 69.7043% | 4,262 |
| Total domestic deposits to total assets | 84.5991% | 3,279 |
| Equity capital to assets | 14.8786% | 720 |
| Core capital (leverage) ratio | 14.8859% | 623 |
| Tier 1 risk-based capital ratio | 27.8308% | 619 |
| Total risk-based capital ratio | 29.0839% | 606 |
| Memoranda: | ||
| Average total assets | $188,061,500 | 3,111 |
| Average earning assets | $172,403,000 | 3,127 |
| Average equity | $27,961,000 | 2,534 |
| Average total loans | $107,018,500 | 3,293 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 1,630 |
| Cost of funding earning assets | 0.5925% | 1,418 |
| Net interest margin | 3.8974% | 2,039 |
| Noninterest income to average assets | 0.7075% | 2,166 |
| Noninterest expense to average assets | 2.8898% | 2,891 |
| Loan and lease loss provision to assets | 0.1462% | 1,619 |
| Net operating income to assets | 0.8606% | 3,064 |
| Return on assets (ROA) | 0.8665% | 3,112 |
| Pretax return on assets | 1.2496% | 2,469 |
| Return on Equity (ROE) | 5.8997% | 4,073 |
| Retained earnings to average equity (ytd only) | 2.2378% | 4,445 |
| Net charge-offs to loans | 0.2473% | 1,217 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 9.4891% | 2,813 |
| Efficiency ratio | 67.5649% | 3,651 |
| Assets per employee ($millions) | 3.9654% | 3,999 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 2,231 |
| Loan loss allowance to noncurrent loans | 85.8168% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.0797% | 831 |
| Noncurrent loans to loans | 1.6840% | 1,349 |
| Net loans and leases to total assets | 56.8980% | 4,212 |
| Net loans and leases to deposits | 67.1090% | 4,212 |
| Net loans and leases to core deposits | 71.6628% | 4,160 |
| Total domestic deposits to total assets | 84.7844% | 3,179 |
| Equity capital to assets | 14.8572% | 691 |
| Core capital (leverage) ratio | 14.7680% | 659 |
| Tier 1 risk-based capital ratio | 27.2298% | 647 |
| Total risk-based capital ratio | 28.4832% | 631 |
| Memoranda: | ||
| Average total assets | $187,419,400 | 3,084 |
| Average earning assets | $171,651,400 | 3,102 |
| Average equity | $27,527,000 | 2,501 |
| Average total loans | $110,809,600 | 3,186 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 1,538 |
| Cost of funding earning assets | 0.6080% | 1,358 |
| Net interest margin | 3.9111% | 1,994 |
| Noninterest income to average assets | 0.6962% | 2,237 |
| Noninterest expense to average assets | 2.8466% | 3,016 |
| Loan and lease loss provision to assets | 0.1122% | 2,010 |
| Net operating income to assets | 0.9354% | 2,780 |
| Return on assets (ROA) | 0.9434% | 2,848 |
| Pretax return on assets | 1.3270% | 2,293 |
| Return on Equity (ROE) | 6.4418% | 3,937 |
| Retained earnings to average equity (ytd only) | 5.3553% | 2,676 |
| Net charge-offs to loans | 0.1887% | 1,351 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 12.7216% | 2,380 |
| Efficiency ratio | 66.5946% | 3,785 |
| Assets per employee ($millions) | 3.9484% | 3,979 |
| Cash dividends to net income (ytd only)* | 16.8675% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 2,459 |
| Loan loss allowance to noncurrent loans | 94.2424% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.1038% | 939 |
| Noncurrent loans to loans | 1.5165% | 1,657 |
| Net loans and leases to total assets | 57.7929% | 4,169 |
| Net loans and leases to deposits | 68.6695% | 4,127 |
| Net loans and leases to core deposits | 73.3867% | 4,067 |
| Total domestic deposits to total assets | 84.1610% | 3,359 |
| Equity capital to assets | 15.2070% | 695 |
| Core capital (leverage) ratio | 15.0782% | 623 |
| Tier 1 risk-based capital ratio | 27.6003% | 645 |
| Total risk-based capital ratio | 28.8535% | 628 |
| Memoranda: | ||
| Average total assets | $187,680,750 | 3,104 |
| Average earning assets | $171,712,000 | 3,124 |
| Average equity | $27,486,250 | 2,517 |
| Average total loans | $111,612,500 | 3,202 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 1,506 |
| Cost of funding earning assets | 0.6247% | 1,261 |
| Net interest margin | 3.8831% | 2,041 |
| Noninterest income to average assets | 0.6497% | 2,479 |
| Noninterest expense to average assets | 2.8580% | 3,038 |
| Loan and lease loss provision to assets | 0.1147% | 1,923 |
| Net operating income to assets | 0.8483% | 3,133 |
| Return on assets (ROA) | 0.8578% | 3,199 |
| Pretax return on assets | 1.2411% | 2,592 |
| Return on Equity (ROE) | 5.9321% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.2875% | 3,293 |
| Net charge-offs to loans | 0.1919% | 1,310 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 11.7037% | 2,269 |
| Efficiency ratio | 68.0485% | 3,662 |
| Assets per employee ($millions) | 3.8885% | 4,097 |
| Cash dividends to net income (ytd only)* | 27.7228% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 2,715 |
| Loan loss allowance to noncurrent loans | 139.4619% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.8581% | 1,231 |
| Noncurrent loans to loans | 1.0100% | 2,627 |
| Net loans and leases to total assets | 58.3117% | 4,065 |
| Net loans and leases to deposits | 68.7701% | 4,057 |
| Net loans and leases to core deposits | 73.5440% | 3,995 |
| Total domestic deposits to total assets | 84.7921% | 3,215 |
| Equity capital to assets | 14.6582% | 780 |
| Core capital (leverage) ratio | 14.5934% | 691 |
| Tier 1 risk-based capital ratio | 26.7743% | 723 |
| Total risk-based capital ratio | 28.0275% | 710 |
| Memoranda: | ||
| Average total assets | $188,383,330 | 3,122 |
| Average earning assets | $172,235,670 | 3,134 |
| Average equity | $27,241,670 | 2,542 |
| Average total loans | $112,549,000 | 3,197 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 1,465 |
| Cost of funding earning assets | 0.6426% | 1,167 |
| Net interest margin | 3.8553% | 2,044 |
| Noninterest income to average assets | 0.6869% | 2,218 |
| Noninterest expense to average assets | 2.8428% | 3,094 |
| Loan and lease loss provision to assets | 0.0972% | 2,076 |
| Net operating income to assets | 0.8990% | 2,745 |
| Return on assets (ROA) | 0.9110% | 2,819 |
| Pretax return on assets | 1.2893% | 2,336 |
| Return on Equity (ROE) | 6.3422% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.3422% | 2,314 |
| Net charge-offs to loans | 0.1619% | 1,298 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 14.0870% | 1,687 |
| Efficiency ratio | 67.4862% | 3,908 |
| Assets per employee ($millions) | 3.9968% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 2,946 |
| Loan loss allowance to noncurrent loans | 128.3003% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 2.0485% | 1,150 |
| Noncurrent loans to loans | 1.0858% | 2,588 |
| Net loans and leases to total assets | 57.3721% | 4,040 |
| Net loans and leases to deposits | 67.4467% | 4,006 |
| Net loans and leases to core deposits | 71.9770% | 3,966 |
| Total domestic deposits to total assets | 85.0629% | 3,375 |
| Equity capital to assets | 14.3836% | 867 |
| Core capital (leverage) ratio | 14.5061% | 690 |
| Tier 1 risk-based capital ratio | 25.0709% | 882 |
| Total risk-based capital ratio | 26.3233% | 860 |
| Memoranda: | ||
| Average total assets | $189,251,500 | 3,129 |
| Average earning assets | $173,060,000 | 3,137 |
| Average equity | $27,183,000 | 2,562 |
| Average total loans | $113,627,500 | 3,206 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 1,248 |
| Cost of funding earning assets | 0.7775% | 731 |
| Net interest margin | 3.9454% | 2,068 |
| Noninterest income to average assets | 0.8844% | 1,553 |
| Noninterest expense to average assets | 3.0514% | 2,682 |
| Loan and lease loss provision to assets | 0.0876% | 2,720 |
| Net operating income to assets | 0.9677% | 2,541 |
| Return on assets (ROA) | 0.9677% | 2,628 |
| Pretax return on assets | 1.3363% | 2,123 |
| Return on Equity (ROE) | 6.8663% | 3,709 |
| Retained earnings to average equity (ytd only) | 3.0233% | 4,090 |
| Net charge-offs to loans | 0.2033% | 2,041 |
| Credit loss provision to net charge-offs | 69.9571% | 3,080 |
| Earnings coverage of net charge-offs (x) | 11.3734% | 2,497 |
| Efficiency ratio | 68.1835% | 3,870 |
| Assets per employee ($millions) | 3.8094% | 4,324 |
| Cash dividends to net income (ytd only)* | 55.9689% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 3,202 |
| Loan loss allowance to noncurrent loans | 141.7502% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.9785% | 1,294 |
| Noncurrent loans to loans | 0.9487% | 2,955 |
| Net loans and leases to total assets | 61.1168% | 3,622 |
| Net loans and leases to deposits | 71.6628% | 3,720 |
| Net loans and leases to core deposits | 76.4186% | 3,663 |
| Total domestic deposits to total assets | 85.2839% | 3,172 |
| Equity capital to assets | 14.3427% | 858 |
| Core capital (leverage) ratio | 14.5325% | 697 |
| Tier 1 risk-based capital ratio | 25.5886% | 793 |
| Total risk-based capital ratio | 26.8417% | 780 |
| Memoranda: | ||
| Average total assets | $186,113,400 | 3,149 |
| Average earning assets | $169,388,400 | 3,166 |
| Average equity | $26,229,600 | 2,554 |
| Average total loans | $114,632,600 | 3,132 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 1,208 |
| Cost of funding earning assets | 0.8046% | 670 |
| Net interest margin | 3.9379% | 2,083 |
| Noninterest income to average assets | 0.8976% | 1,528 |
| Noninterest expense to average assets | 3.0333% | 2,695 |
| Loan and lease loss provision to assets | 0.0609% | 3,139 |
| Net operating income to assets | 0.9764% | 2,560 |
| Return on assets (ROA) | 0.9764% | 2,632 |
| Pretax return on assets | 1.3858% | 2,063 |
| Return on Equity (ROE) | 6.9593% | 3,726 |
| Retained earnings to average equity (ytd only) | 5.8147% | 2,525 |
| Net charge-offs to loans | 0.1224% | 2,590 |
| Credit loss provision to net charge-offs | 80.9524% | 2,575 |
| Earnings coverage of net charge-offs (x) | 19.2186% | 1,796 |
| Efficiency ratio | 67.7068% | 3,910 |
| Assets per employee ($millions) | 3.9546% | 3,973 |
| Cash dividends to net income (ytd only)* | 16.4465% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 3,233 |
| Loan loss allowance to noncurrent loans | 255.1669% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 1.8266% | 1,620 |
| Noncurrent loans to loans | 0.5440% | 4,292 |
| Net loans and leases to total assets | 61.3425% | 3,583 |
| Net loans and leases to deposits | 72.3778% | 3,648 |
| Net loans and leases to core deposits | 77.2341% | 3,614 |
| Total domestic deposits to total assets | 84.7532% | 3,441 |
| Equity capital to assets | 14.5555% | 840 |
| Core capital (leverage) ratio | 14.7415% | 666 |
| Tier 1 risk-based capital ratio | 26.1189% | 776 |
| Total risk-based capital ratio | 27.3723% | 756 |
| Memoranda: | ||
| Average total assets | $185,977,000 | 3,180 |
| Average earning assets | $169,190,250 | 3,194 |
| Average equity | $26,094,000 | 2,567 |
| Average total loans | $114,382,000 | 3,159 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 1,251 |
| Cost of funding earning assets | 0.8374% | 587 |
| Net interest margin | 3.8790% | 2,255 |
| Noninterest income to average assets | 0.9010% | 1,492 |
| Noninterest expense to average assets | 3.1009% | 2,497 |
| Loan and lease loss provision to assets | 0.0366% | 3,561 |
| Net operating income to assets | 0.8763% | 2,927 |
| Return on assets (ROA) | 0.8763% | 3,014 |
| Pretax return on assets | 1.2849% | 2,318 |
| Return on Equity (ROE) | 6.3242% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.5860% | 3,245 |
| Net charge-offs to loans | 0.0948% | 2,723 |
| Credit loss provision to net charge-offs | 62.9630% | 2,596 |
| Earnings coverage of net charge-offs (x) | 22.7593% | 1,497 |
| Efficiency ratio | 70.1191% | 3,638 |
| Assets per employee ($millions) | 3.8644% | 4,137 |
| Cash dividends to net income (ytd only)* | 27.4847% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 3,350 |
| Loan loss allowance to noncurrent loans | 212.5828% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 2.0993% | 1,493 |
| Noncurrent loans to loans | 0.6584% | 4,060 |
| Net loans and leases to total assets | 60.9583% | 3,571 |
| Net loans and leases to deposits | 72.2993% | 3,537 |
| Net loans and leases to core deposits | 77.3188% | 3,508 |
| Total domestic deposits to total assets | 84.3139% | 3,815 |
| Equity capital to assets | 14.2742% | 874 |
| Core capital (leverage) ratio | 14.4075% | 729 |
| Tier 1 risk-based capital ratio | 25.5433% | 820 |
| Total risk-based capital ratio | 26.7970% | 797 |
| Memoranda: | ||
| Average total assets | $186,013,330 | 3,195 |
| Average earning assets | $168,857,670 | 3,212 |
| Average equity | $25,774,000 | 2,588 |
| Average total loans | $113,969,000 | 3,176 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 1,195 |
| Cost of funding earning assets | 0.8811% | 500 |
| Net interest margin | 3.8491% | 2,273 |
| Noninterest income to average assets | 0.8740% | 1,472 |
| Noninterest expense to average assets | 2.9440% | 3,069 |
| Loan and lease loss provision to assets | 0.0515% | 3,066 |
| Net operating income to assets | 0.9599% | 2,361 |
| Return on assets (ROA) | 0.9599% | 2,430 |
| Pretax return on assets | 1.3679% | 1,857 |
| Return on Equity (ROE) | 7.0331% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.0331% | 2,035 |
| Net charge-offs to loans | 0.1549% | 1,788 |
| Credit loss provision to net charge-offs | 54.5455% | 2,161 |
| Earnings coverage of net charge-offs (x) | 15.0227% | 1,571 |
| Efficiency ratio | 67.4705% | 4,279 |
| Assets per employee ($millions) | 3.9747% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,473 |
| Loan loss allowance to noncurrent loans | 195.4933% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 2.1572% | 1,545 |
| Noncurrent loans to loans | 0.7302% | 4,033 |
| Net loans and leases to total assets | 59.3249% | 3,662 |
| Net loans and leases to deposits | 69.3083% | 3,693 |
| Net loans and leases to core deposits | 74.0049% | 3,644 |
| Total domestic deposits to total assets | 85.5957% | 3,561 |
| Equity capital to assets | 13.8465% | 970 |
| Core capital (leverage) ratio | 14.3070% | 729 |
| Tier 1 risk-based capital ratio | 25.5076% | 834 |
| Total risk-based capital ratio | 26.7615% | 819 |
| Memoranda: | ||
| Average total assets | $186,275,500 | 3,215 |
| Average earning assets | $168,871,500 | 3,231 |
| Average equity | $25,422,500 | 2,606 |
| Average total loans | $113,615,500 | 3,189 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 1,186 |
| Cost of funding earning assets | 1.1910% | 188 |
| Net interest margin | 3.6646% | 3,205 |
| Noninterest income to average assets | 0.9334% | 1,573 |
| Noninterest expense to average assets | 2.8320% | 3,610 |
| Loan and lease loss provision to assets | 0.1556% | 2,329 |
| Net operating income to assets | 0.8292% | 3,137 |
| Return on assets (ROA) | 0.8292% | 3,223 |
| Pretax return on assets | 1.2673% | 2,281 |
| Return on Equity (ROE) | 6.0922% | 4,038 |
| Retained earnings to average equity (ytd only) | 2.1733% | 4,703 |
| Net charge-offs to loans | 0.2546% | 2,447 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.1463% | 2,551 |
| Efficiency ratio | 66.5589% | 4,460 |
| Assets per employee ($millions) | 3.9519% | 3,964 |
| Cash dividends to net income (ytd only)* | 64.3267% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 3,576 |
| Loan loss allowance to noncurrent loans | 115.4119% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 2.2052% | 1,620 |
| Noncurrent loans to loans | 1.2265% | 3,095 |
| Net loans and leases to total assets | 60.9323% | 3,550 |
| Net loans and leases to deposits | 70.7937% | 3,681 |
| Net loans and leases to core deposits | 77.7878% | 3,395 |
| Total domestic deposits to total assets | 86.0702% | 3,226 |
| Equity capital to assets | 13.4479% | 1,087 |
| Core capital (leverage) ratio | 14.0024% | 824 |
| Tier 1 risk-based capital ratio | 24.6094% | 894 |
| Total risk-based capital ratio | 25.8624% | 883 |
| Memoranda: | ||
| Average total assets | $188,981,600 | 3,174 |
| Average earning assets | $171,289,000 | 3,204 |
| Average equity | $25,721,400 | 2,569 |
| Average total loans | $115,496,400 | 3,137 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 1,288 |
| Cost of funding earning assets | 1.2388% | 166 |
| Net interest margin | 3.5899% | 3,489 |
| Noninterest income to average assets | 0.9463% | 1,617 |
| Noninterest expense to average assets | 2.6463% | 4,214 |
| Loan and lease loss provision to assets | 0.1595% | 2,267 |
| Net operating income to assets | 0.9224% | 2,729 |
| Return on assets (ROA) | 0.9224% | 2,837 |
| Pretax return on assets | 1.3917% | 1,956 |
| Return on Equity (ROE) | 6.7573% | 3,789 |
| Retained earnings to average equity (ytd only) | 5.6045% | 2,656 |
| Net charge-offs to loans | 0.2617% | 2,244 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 9.7269% | 2,442 |
| Efficiency ratio | 63.0460% | 4,981 |
| Assets per employee ($millions) | 3.9759% | 3,882 |
| Cash dividends to net income (ytd only)* | 17.0602% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 3,759 |
| Loan loss allowance to noncurrent loans | 171.7759% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 2.1063% | 1,899 |
| Noncurrent loans to loans | 0.8339% | 4,165 |
| Net loans and leases to total assets | 59.8411% | 3,719 |
| Net loans and leases to deposits | 69.9955% | 3,788 |
| Net loans and leases to core deposits | 80.9401% | 3,011 |
| Total domestic deposits to total assets | 85.4927% | 3,496 |
| Equity capital to assets | 13.8009% | 1,020 |
| Core capital (leverage) ratio | 14.2178% | 814 |
| Tier 1 risk-based capital ratio | 21.9749% | 1,322 |
| Total risk-based capital ratio | 23.2263% | 1,308 |
| Memoranda: | ||
| Average total assets | $189,792,250 | 3,185 |
| Average earning assets | $171,887,500 | 3,220 |
| Average equity | $25,907,250 | 2,585 |
| Average total loans | $115,670,500 | 3,153 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 1,323 |
| Cost of funding earning assets | 1.2875% | 152 |
| Net interest margin | 3.5143% | 3,723 |
| Noninterest income to average assets | 0.9446% | 1,677 |
| Noninterest expense to average assets | 2.5099% | 4,687 |
| Loan and lease loss provision to assets | 0.1646% | 2,270 |
| Net operating income to assets | 0.9415% | 2,610 |
| Return on assets (ROA) | 0.9415% | 2,751 |
| Pretax return on assets | 1.4552% | 1,753 |
| Return on Equity (ROE) | 6.9219% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.1953% | 2,929 |
| Net charge-offs to loans | 0.2697% | 2,129 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 9.8408% | 2,229 |
| Efficiency ratio | 60.7768% | 5,365 |
| Assets per employee ($millions) | 4.0379% | 3,713 |
| Cash dividends to net income (ytd only)* | 24.9443% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,052 |
| Loan loss allowance to noncurrent loans | 134.7430% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 2.1994% | 1,963 |
| Noncurrent loans to loans | 1.0364% | 3,862 |
| Net loans and leases to total assets | 60.4568% | 3,583 |
| Net loans and leases to deposits | 70.3477% | 3,673 |
| Net loans and leases to core deposits | 79.9948% | 3,023 |
| Total domestic deposits to total assets | 85.9400% | 3,403 |
| Equity capital to assets | 13.3012% | 1,221 |
| Core capital (leverage) ratio | 13.7825% | 887 |
| Tier 1 risk-based capital ratio | 21.1328% | 1,463 |
| Total risk-based capital ratio | 22.3834% | 1,433 |
| Memoranda: | ||
| Average total assets | $190,768,000 | 3,185 |
| Average earning assets | $172,891,330 | 3,211 |
| Average equity | $25,946,670 | 2,590 |
| Average total loans | $116,411,670 | 3,136 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 1,389 |
| Cost of funding earning assets | 1.3086% | 150 |
| Net interest margin | 3.4467% | 3,927 |
| Noninterest income to average assets | 0.9432% | 1,633 |
| Noninterest expense to average assets | 2.7815% | 3,760 |
| Loan and lease loss provision to assets | 0.0941% | 3,095 |
| Net operating income to assets | 0.9160% | 2,579 |
| Return on assets (ROA) | 0.9160% | 2,726 |
| Pretax return on assets | 1.1963% | 2,587 |
| Return on Equity (ROE) | 6.6620% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.6620% | 2,339 |
| Net charge-offs to loans | 0.1546% | 2,475 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 13.7111% | 1,506 |
| Efficiency ratio | 68.3102% | 4,251 |
| Assets per employee ($millions) | 4.1118% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 4,222 |
| Loan loss allowance to noncurrent loans | 105.5880% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 2.4222% | 1,914 |
| Noncurrent loans to loans | 1.3275% | 3,573 |
| Net loans and leases to total assets | 59.1486% | 3,578 |
| Net loans and leases to deposits | 69.2178% | 3,611 |
| Net loans and leases to core deposits | 78.6621% | 2,976 |
| Total domestic deposits to total assets | 85.4528% | 3,819 |
| Equity capital to assets | 13.6929% | 1,140 |
| Core capital (leverage) ratio | 13.6716% | 884 |
| Tier 1 risk-based capital ratio | 20.9189% | 1,557 |
| Total risk-based capital ratio | 22.1697% | 1,528 |
| Memoranda: | ||
| Average total assets | $191,262,000 | 3,209 |
| Average earning assets | $173,616,500 | 3,224 |
| Average equity | $26,298,500 | 2,582 |
| Average total loans | $116,437,500 | 3,151 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 1,272 |
| Cost of funding earning assets | 1.5650% | 121 |
| Net interest margin | 3.5505% | 4,298 |
| Noninterest income to average assets | 1.0284% | 1,457 |
| Noninterest expense to average assets | 2.9796% | 3,350 |
| Loan and lease loss provision to assets | 0.1845% | 3,333 |
| Net operating income to assets | 0.8413% | 3,086 |
| Return on assets (ROA) | 0.8413% | 3,343 |
| Pretax return on assets | 1.0988% | 3,163 |
| Return on Equity (ROE) | 6.0553% | 4,141 |
| Retained earnings to average equity (ytd only) | 2.4547% | 4,511 |
| Net charge-offs to loans | 0.3058% | 3,113 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.9573% | 2,704 |
| Efficiency ratio | 69.8964% | 3,838 |
| Assets per employee ($millions) | 4.0270% | 3,891 |
| Cash dividends to net income (ytd only)* | 59.4628% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 4,214 |
| Loan loss allowance to noncurrent loans | 96.3248% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 2.5202% | 1,933 |
| Noncurrent loans to loans | 1.4426% | 3,437 |
| Net loans and leases to total assets | 60.9278% | 3,436 |
| Net loans and leases to deposits | 71.4982% | 3,495 |
| Net loans and leases to core deposits | 81.2751% | 2,855 |
| Total domestic deposits to total assets | 85.2158% | 3,757 |
| Equity capital to assets | 13.8083% | 1,116 |
| Core capital (leverage) ratio | 13.6051% | 911 |
| Tier 1 risk-based capital ratio | 20.6087% | 1,546 |
| Total risk-based capital ratio | 21.8596% | 1,515 |
| Memoranda: | ||
| Average total assets | $190,291,200 | 3,173 |
| Average earning assets | $173,355,200 | 3,183 |
| Average equity | $26,439,600 | 2,528 |
| Average total loans | $114,781,000 | 3,193 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1747% | 1,245 |
| Cost of funding earning assets | 1.6147% | 118 |
| Net interest margin | 3.5600% | 4,396 |
| Noninterest income to average assets | 1.0314% | 1,422 |
| Noninterest expense to average assets | 3.0284% | 3,135 |
| Loan and lease loss provision to assets | 0.1581% | 3,535 |
| Net operating income to assets | 0.8047% | 3,429 |
| Return on assets (ROA) | 0.8047% | 3,671 |
| Pretax return on assets | 1.0923% | 3,379 |
| Return on Equity (ROE) | 5.7826% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.6563% | 3,617 |
| Net charge-offs to loans | 0.2638% | 3,138 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 7.9070% | 2,532 |
| Efficiency ratio | 70.7768% | 3,539 |
| Assets per employee ($millions) | 3.9121% | 4,051 |
| Cash dividends to net income (ytd only)* | 19.4782% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,278 |
| Loan loss allowance to noncurrent loans | 98.1280% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 2.6350% | 2,003 |
| Noncurrent loans to loans | 1.4492% | 3,630 |
| Net loans and leases to total assets | 59.9893% | 3,787 |
| Net loans and leases to deposits | 71.0265% | 3,744 |
| Net loans and leases to core deposits | 80.9096% | 3,098 |
| Total domestic deposits to total assets | 84.4605% | 3,999 |
| Equity capital to assets | 14.1245% | 1,108 |
| Core capital (leverage) ratio | 13.7301% | 934 |
| Tier 1 risk-based capital ratio | 21.2784% | 1,459 |
| Total risk-based capital ratio | 22.5298% | 1,431 |
| Memoranda: | ||
| Average total assets | $190,546,500 | 3,199 |
| Average earning assets | $173,814,750 | 3,214 |
| Average equity | $26,515,750 | 2,542 |
| Average total loans | $114,240,500 | 3,230 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 1,200 |
| Cost of funding earning assets | 1.6609% | 119 |
| Net interest margin | 3.5588% | 4,420 |
| Noninterest income to average assets | 1.0153% | 1,419 |
| Noninterest expense to average assets | 3.1055% | 2,912 |
| Loan and lease loss provision to assets | 0.1943% | 3,147 |
| Net operating income to assets | 0.6811% | 3,978 |
| Return on assets (ROA) | 0.6811% | 4,239 |
| Pretax return on assets | 0.9631% | 3,842 |
| Return on Equity (ROE) | 4.9183% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.2286% | 4,461 |
| Net charge-offs to loans | 0.3257% | 2,730 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 5.9570% | 2,724 |
| Efficiency ratio | 72.8498% | 3,262 |
| Assets per employee ($millions) | 4.0182% | 3,833 |
| Cash dividends to net income (ytd only)* | 34.3558% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 4,437 |
| Loan loss allowance to noncurrent loans | 105.7943% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 2.4611% | 2,267 |
| Noncurrent loans to loans | 1.3302% | 3,926 |
| Net loans and leases to total assets | 60.2840% | 3,769 |
| Net loans and leases to deposits | 71.4129% | 3,697 |
| Net loans and leases to core deposits | 80.6783% | 3,128 |
| Total domestic deposits to total assets | 84.4162% | 4,133 |
| Equity capital to assets | 14.2167% | 1,007 |
| Core capital (leverage) ratio | 13.7788% | 874 |
| Tier 1 risk-based capital ratio | 21.4388% | 1,399 |
| Total risk-based capital ratio | 22.6895% | 1,373 |
| Memoranda: | ||
| Average total assets | $191,468,670 | 3,196 |
| Average earning assets | $174,719,670 | 3,208 |
| Average equity | $26,513,330 | 2,532 |
| Average total loans | $114,229,670 | 3,245 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 1,264 |
| Cost of funding earning assets | 1.7172% | 117 |
| Net interest margin | 3.5071% | 4,660 |
| Noninterest income to average assets | 0.9981% | 1,429 |
| Noninterest expense to average assets | 3.0792% | 2,987 |
| Loan and lease loss provision to assets | 0.1639% | 3,340 |
| Net operating income to assets | 0.6806% | 3,974 |
| Return on assets (ROA) | 0.6806% | 4,192 |
| Pretax return on assets | 0.9586% | 3,839 |
| Return on Equity (ROE) | 4.9800% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.9800% | 3,569 |
| Net charge-offs to loans | 0.2782% | 2,557 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 6.8481% | 2,146 |
| Efficiency ratio | 73.2840% | 3,204 |
| Assets per employee ($millions) | 4.1794% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 4,438 |
| Loan loss allowance to noncurrent loans | 151.4445% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 2.2611% | 2,635 |
| Noncurrent loans to loans | 0.9488% | 4,779 |
| Net loans and leases to total assets | 57.9812% | 4,041 |
| Net loans and leases to deposits | 68.0787% | 4,045 |
| Net loans and leases to core deposits | 76.6480% | 3,533 |
| Total domestic deposits to total assets | 85.1679% | 3,956 |
| Equity capital to assets | 13.7372% | 1,124 |
| Core capital (leverage) ratio | 13.6068% | 906 |
| Tier 1 risk-based capital ratio | 21.6990% | 1,334 |
| Total risk-based capital ratio | 22.9499% | 1,312 |
| Memoranda: | ||
| Average total assets | $192,775,000 | 3,201 |
| Average earning assets | $176,099,500 | 3,208 |
| Average equity | $26,345,500 | 2,544 |
| Average total loans | $113,607,000 | 3,287 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 1,064 |
| Cost of funding earning assets | 2.0352% | 83 |
| Net interest margin | 3.5109% | 5,100 |
| Noninterest income to average assets | 0.9971% | 1,376 |
| Noninterest expense to average assets | 2.6410% | 4,957 |
| Loan and lease loss provision to assets | 0.4723% | 2,240 |
| Net operating income to assets | 0.8829% | 2,677 |
| Return on assets (ROA) | 0.8829% | 2,811 |
| Pretax return on assets | 1.1243% | 2,747 |
| Return on Equity (ROE) | 6.6139% | 3,580 |
| Retained earnings to average equity (ytd only) | 2.9123% | 4,168 |
| Net charge-offs to loans | 0.7858% | 2,192 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 3.3802% | 3,542 |
| Efficiency ratio | 62.3224% | 5,406 |
| Assets per employee ($millions) | 4.2021% | 3,464 |
| Cash dividends to net income (ytd only)* | 55.9671% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 4,355 |
| Loan loss allowance to noncurrent loans | 104.7711% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 2.4723% | 2,455 |
| Noncurrent loans to loans | 1.3591% | 4,106 |
| Net loans and leases to total assets | 58.1972% | 4,335 |
| Net loans and leases to deposits | 68.3028% | 4,398 |
| Net loans and leases to core deposits | 76.7992% | 3,858 |
| Total domestic deposits to total assets | 85.2047% | 3,740 |
| Equity capital to assets | 13.5961% | 1,224 |
| Core capital (leverage) ratio | 13.4181% | 1,000 |
| Tier 1 risk-based capital ratio | 21.1961% | 1,377 |
| Total risk-based capital ratio | 22.4474% | 1,354 |
| Memoranda: | ||
| Average total assets | $192,654,600 | 3,152 |
| Average earning assets | $177,819,600 | 3,116 |
| Average equity | $25,718,600 | 2,507 |
| Average total loans | $115,810,000 | 3,257 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 1,026 |
| Cost of funding earning assets | 2.0916% | 80 |
| Net interest margin | 3.5117% | 5,140 |
| Noninterest income to average assets | 1.0023% | 1,336 |
| Noninterest expense to average assets | 2.6279% | 4,982 |
| Loan and lease loss provision to assets | 0.3075% | 3,069 |
| Net operating income to assets | 1.0674% | 2,081 |
| Return on assets (ROA) | 1.0674% | 2,224 |
| Pretax return on assets | 1.3160% | 2,239 |
| Return on Equity (ROE) | 8.0328% | 3,027 |
| Retained earnings to average equity (ytd only) | 6.8651% | 2,041 |
| Net charge-offs to loans | 0.5093% | 2,723 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 5.2792% | 2,827 |
| Efficiency ratio | 61.8117% | 5,440 |
| Assets per employee ($millions) | 4.2448% | 3,373 |
| Cash dividends to net income (ytd only)* | 14.5360% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 4,501 |
| Loan loss allowance to noncurrent loans | 115.0035% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.8754% | 3,300 |
| Noncurrent loans to loans | 1.2282% | 4,487 |
| Net loans and leases to total assets | 58.0869% | 4,500 |
| Net loans and leases to deposits | 68.4310% | 4,536 |
| Net loans and leases to core deposits | 77.0371% | 4,040 |
| Total domestic deposits to total assets | 84.8838% | 3,823 |
| Equity capital to assets | 13.7600% | 1,263 |
| Core capital (leverage) ratio | 13.6789% | 985 |
| Tier 1 risk-based capital ratio | 21.7638% | 1,330 |
| Total risk-based capital ratio | 23.0152% | 1,297 |
| Memoranda: | ||
| Average total assets | $192,493,750 | 3,170 |
| Average earning assets | $178,104,000 | 3,138 |
| Average equity | $25,578,000 | 2,518 |
| Average total loans | $116,232,750 | 3,279 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6360% | 1,000 |
| Cost of funding earning assets | 2.1659% | 79 |
| Net interest margin | 3.4700% | 5,292 |
| Noninterest income to average assets | 0.9908% | 1,348 |
| Noninterest expense to average assets | 2.5766% | 5,276 |
| Loan and lease loss provision to assets | 0.3195% | 2,874 |
| Net operating income to assets | 1.0513% | 2,035 |
| Return on assets (ROA) | 1.0513% | 2,129 |
| Pretax return on assets | 1.3060% | 2,118 |
| Return on Equity (ROE) | 8.0086% | 2,944 |
| Retained earnings to average equity (ytd only) | 6.2271% | 2,277 |
| Net charge-offs to loans | 0.5247% | 2,524 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 5.0882% | 2,695 |
| Efficiency ratio | 61.3168% | 5,682 |
| Assets per employee ($millions) | 4.2747% | 3,207 |
| Cash dividends to net income (ytd only)* | 22.2443% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,465 |
| Loan loss allowance to noncurrent loans | 193.2224% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 1.4946% | 3,963 |
| Noncurrent loans to loans | 0.7368% | 5,440 |
| Net loans and leases to total assets | 58.4910% | 4,545 |
| Net loans and leases to deposits | 68.6968% | 4,604 |
| Net loans and leases to core deposits | 77.9276% | 4,059 |
| Total domestic deposits to total assets | 85.1437% | 3,816 |
| Equity capital to assets | 13.6133% | 1,238 |
| Core capital (leverage) ratio | 13.3267% | 1,054 |
| Tier 1 risk-based capital ratio | 21.3093% | 1,363 |
| Total risk-based capital ratio | 22.5606% | 1,349 |
| Memoranda: | ||
| Average total assets | $191,571,330 | 3,203 |
| Average earning assets | $177,290,330 | 3,173 |
| Average equity | $25,148,000 | 2,544 |
| Average total loans | $116,628,330 | 3,304 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 1,051 |
| Cost of funding earning assets | 2.2317% | 77 |
| Net interest margin | 3.3702% | 5,540 |
| Noninterest income to average assets | 0.9792% | 1,391 |
| Noninterest expense to average assets | 2.5129% | 5,509 |
| Loan and lease loss provision to assets | 0.1925% | 3,704 |
| Net operating income to assets | 0.9980% | 2,185 |
| Return on assets (ROA) | 0.9980% | 2,233 |
| Pretax return on assets | 1.3956% | 1,736 |
| Return on Equity (ROE) | 7.7471% | 3,029 |
| Retained earnings to average equity (ytd only) | 7.7471% | 1,829 |
| Net charge-offs to loans | 0.3122% | 2,801 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 1,840 |
| Efficiency ratio | 61.2755% | 5,797 |
| Assets per employee ($millions) | 4.3182% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 4,686 |
| Loan loss allowance to noncurrent loans | 161.3704% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 1.7327% | 3,661 |
| Noncurrent loans to loans | 0.8650% | 5,307 |
| Net loans and leases to total assets | 59.0739% | 4,451 |
| Net loans and leases to deposits | 68.7391% | 4,563 |
| Net loans and leases to core deposits | 78.0655% | 4,006 |
| Total domestic deposits to total assets | 85.9392% | 3,553 |
| Equity capital to assets | 12.9034% | 1,422 |
| Core capital (leverage) ratio | 13.3541% | 1,009 |
| Tier 1 risk-based capital ratio | 20.6716% | 1,453 |
| Total risk-based capital ratio | 21.9227% | 1,426 |
| Memoranda: | ||
| Average total assets | $191,175,500 | 3,231 |
| Average earning assets | $177,083,000 | 3,193 |
| Average equity | $24,628,500 | 2,587 |
| Average total loans | $117,872,500 | 3,290 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9931% | 859 |
| Cost of funding earning assets | 2.3618% | 176 |
| Net interest margin | 3.6313% | 4,662 |
| Noninterest income to average assets | 1.0377% | 1,394 |
| Noninterest expense to average assets | 2.7612% | 4,736 |
| Loan and lease loss provision to assets | 0.3567% | 3,983 |
| Net operating income to assets | 0.8539% | 2,571 |
| Return on assets (ROA) | 0.8539% | 2,709 |
| Pretax return on assets | 1.2901% | 1,956 |
| Return on Equity (ROE) | 7.4146% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.2380% | 3,600 |
| Net charge-offs to loans | 0.5337% | 3,478 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 4.6167% | 2,866 |
| Efficiency ratio | 62.6410% | 5,598 |
| Assets per employee ($millions) | 4.1784% | 3,427 |
| Cash dividends to net income (ytd only)* | 56.3291% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 4,688 |
| Loan loss allowance to noncurrent loans | 134.5199% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.9348% | 3,431 |
| Noncurrent loans to loans | 1.0123% | 5,040 |
| Net loans and leases to total assets | 62.5975% | 4,150 |
| Net loans and leases to deposits | 72.6448% | 4,406 |
| Net loans and leases to core deposits | 82.9951% | 3,744 |
| Total domestic deposits to total assets | 86.1692% | 3,270 |
| Equity capital to assets | 12.8612% | 1,459 |
| Core capital (leverage) ratio | 13.1755% | 1,069 |
| Tier 1 risk-based capital ratio | 19.8001% | 1,527 |
| Total risk-based capital ratio | 21.0505% | 1,496 |
| Memoranda: | ||
| Average total assets | $185,026,200 | 3,297 |
| Average earning assets | $171,731,000 | 3,251 |
| Average equity | $21,309,400 | 2,967 |
| Average total loans | $123,672,800 | 3,242 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0668% | 814 |
| Cost of funding earning assets | 2.3655% | 213 |
| Net interest margin | 3.7013% | 4,394 |
| Noninterest income to average assets | 1.0650% | 1,263 |
| Noninterest expense to average assets | 2.7133% | 4,825 |
| Loan and lease loss provision to assets | 0.2938% | 4,225 |
| Net operating income to assets | 1.0759% | 1,985 |
| Return on assets (ROA) | 1.0759% | 2,092 |
| Pretax return on assets | 1.4963% | 1,633 |
| Return on Equity (ROE) | 9.6286% | 2,279 |
| Retained earnings to average equity (ytd only) | 8.4824% | 1,244 |
| Net charge-offs to loans | 0.4339% | 3,559 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 6.0936% | 2,601 |
| Efficiency ratio | 60.2506% | 5,912 |
| Assets per employee ($millions) | 4.3233% | 3,217 |
| Cash dividends to net income (ytd only)* | 11.9029% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,786 |
| Loan loss allowance to noncurrent loans | 165.4786% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 4,431 |
| Noncurrent loans to loans | 0.8055% | 5,604 |
| Net loans and leases to total assets | 64.7027% | 3,971 |
| Net loans and leases to deposits | 74.1440% | 4,481 |
| Net loans and leases to core deposits | 85.0219% | 3,794 |
| Total domestic deposits to total assets | 87.2663% | 2,392 |
| Equity capital to assets | 11.4787% | 2,551 |
| Core capital (leverage) ratio | 11.3660% | 2,032 |
| Tier 1 risk-based capital ratio | 16.6355% | 2,492 |
| Total risk-based capital ratio | 17.8860% | 2,451 |
| Memoranda: | ||
| Average total assets | $184,275,250 | 3,356 |
| Average earning assets | $171,180,000 | 3,301 |
| Average equity | $20,591,000 | 3,099 |
| Average total loans | $124,759,250 | 3,267 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0520% | 845 |
| Cost of funding earning assets | 2.3944% | 242 |
| Net interest margin | 3.6577% | 4,546 |
| Noninterest income to average assets | 1.0766% | 1,157 |
| Noninterest expense to average assets | 2.6985% | 4,914 |
| Loan and lease loss provision to assets | 0.3113% | 3,886 |
| Net operating income to assets | 1.0537% | 2,006 |
| Return on assets (ROA) | 1.0537% | 2,076 |
| Pretax return on assets | 1.4673% | 1,648 |
| Return on Equity (ROE) | 9.5174% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.7771% | 1,519 |
| Net charge-offs to loans | 0.4550% | 3,172 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 5.7133% | 2,611 |
| Efficiency ratio | 60.2723% | 6,002 |
| Assets per employee ($millions) | 4.1194% | 3,541 |
| Cash dividends to net income (ytd only)* | 18.2851% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,863 |
| Loan loss allowance to noncurrent loans | 135.8696% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3632% | 4,440 |
| Noncurrent loans to loans | 0.9629% | 5,377 |
| Net loans and leases to total assets | 66.1252% | 3,807 |
| Net loans and leases to deposits | 75.4161% | 4,434 |
| Net loans and leases to core deposits | 87.6403% | 3,592 |
| Total domestic deposits to total assets | 87.6806% | 2,169 |
| Equity capital to assets | 11.2308% | 2,660 |
| Core capital (leverage) ratio | 11.0115% | 2,237 |
| Tier 1 risk-based capital ratio | 16.0303% | 2,659 |
| Total risk-based capital ratio | 17.2806% | 2,617 |
| Memoranda: | ||
| Average total assets | $183,733,330 | 3,392 |
| Average earning assets | $170,818,670 | 3,328 |
| Average equity | $20,341,670 | 3,133 |
| Average total loans | $125,709,670 | 3,290 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0748% | 827 |
| Cost of funding earning assets | 2.4097% | 293 |
| Net interest margin | 3.6651% | 4,410 |
| Noninterest income to average assets | 1.0781% | 1,092 |
| Noninterest expense to average assets | 2.6111% | 5,310 |
| Loan and lease loss provision to assets | 0.4549% | 2,693 |
| Net operating income to assets | 1.0038% | 2,166 |
| Return on assets (ROA) | 1.0038% | 2,233 |
| Pretax return on assets | 1.4149% | 1,731 |
| Return on Equity (ROE) | 9.1330% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.1330% | 1,363 |
| Net charge-offs to loans | 0.6579% | 2,177 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.1106% | 2,705 |
| Efficiency ratio | 58.2723% | 6,445 |
| Assets per employee ($millions) | 4.1182% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,944 |
| Loan loss allowance to noncurrent loans | 162.1756% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 1.1451% | 4,878 |
| Noncurrent loans to loans | 0.8011% | 5,714 |
| Net loans and leases to total assets | 66.6167% | 3,719 |
| Net loans and leases to deposits | 75.5941% | 4,479 |
| Net loans and leases to core deposits | 87.4696% | 3,686 |
| Total domestic deposits to total assets | 88.1241% | 1,992 |
| Equity capital to assets | 10.9240% | 2,831 |
| Core capital (leverage) ratio | 11.0034% | 2,229 |
| Tier 1 risk-based capital ratio | 15.4392% | 2,898 |
| Total risk-based capital ratio | 16.6791% | 2,849 |
| Memoranda: | ||
| Average total assets | $182,913,000 | 3,457 |
| Average earning assets | $169,817,000 | 3,404 |
| Average equity | $20,103,000 | 3,194 |
| Average total loans | $126,462,500 | 3,337 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2485% | 1,122 |
| Cost of funding earning assets | 2.5437% | 909 |
| Net interest margin | 3.7048% | 4,124 |
| Noninterest income to average assets | 0.9730% | 1,657 |
| Noninterest expense to average assets | 2.8359% | 4,812 |
| Loan and lease loss provision to assets | 0.1806% | 5,892 |
| Net operating income to assets | 0.9807% | 1,904 |
| Return on assets (ROA) | 0.9807% | 1,958 |
| Pretax return on assets | 1.4037% | 1,433 |
| Return on Equity (ROE) | 9.1424% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.2905% | 1,679 |
| Net charge-offs to loans | 0.2732% | 4,910 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 8.7727% | 1,898 |
| Efficiency ratio | 64.1575% | 5,746 |
| Assets per employee ($millions) | 4.2978% | 3,270 |
| Cash dividends to net income (ytd only)* | 42.1317% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 4,938 |
| Loan loss allowance to noncurrent loans | 198.6553% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 5,025 |
| Noncurrent loans to loans | 0.6398% | 5,957 |
| Net loans and leases to total assets | 69.9262% | 3,273 |
| Net loans and leases to deposits | 79.3885% | 4,106 |
| Net loans and leases to core deposits | 121.1481% | 1,867 |
| Total domestic deposits to total assets | 88.0809% | 1,934 |
| Equity capital to assets | 11.0587% | 2,664 |
| Core capital (leverage) ratio | 10.8171% | 2,335 |
| Tier 1 risk-based capital ratio | 14.7786% | 3,060 |
| Total risk-based capital ratio | 15.9931% | 3,036 |
| Memoranda: | ||
| Average total assets | $182,729,600 | 3,392 |
| Average earning assets | $170,024,600 | 3,346 |
| Average equity | $19,601,000 | 3,266 |
| Average total loans | $120,789,800 | 3,467 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1572% | 1,479 |
| Cost of funding earning assets | 2.5641% | 1,123 |
| Net interest margin | 3.5931% | 4,501 |
| Noninterest income to average assets | 0.9471% | 1,791 |
| Noninterest expense to average assets | 2.7294% | 5,198 |
| Loan and lease loss provision to assets | 0.0873% | 6,494 |
| Net operating income to assets | 1.0832% | 1,789 |
| Return on assets (ROA) | 1.0832% | 1,840 |
| Pretax return on assets | 1.4782% | 1,480 |
| Return on Equity (ROE) | 10.1753% | 1,855 |
| Retained earnings to average equity (ytd only) | 8.9658% | 844 |
| Net charge-offs to loans | 0.1344% | 5,355 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 17.9329% | 1,375 |
| Efficiency ratio | 63.5501% | 5,832 |
| Assets per employee ($millions) | 4.2866% | 3,226 |
| Cash dividends to net income (ytd only)* | 11.8870% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 4,453 |
| Loan loss allowance to noncurrent loans | 339.2484% | 903 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 5,063 |
| Noncurrent loans to loans | 0.3855% | 6,574 |
| Net loans and leases to total assets | 66.5222% | 4,299 |
| Net loans and leases to deposits | 75.6388% | 5,102 |
| Net loans and leases to core deposits | 115.1552% | 2,707 |
| Total domestic deposits to total assets | 87.9472% | 1,680 |
| Equity capital to assets | 10.9987% | 3,006 |
| Core capital (leverage) ratio | 10.9126% | 2,471 |
| Tier 1 risk-based capital ratio | 14.5073% | 3,279 |
| Total risk-based capital ratio | 15.6803% | 3,262 |
| Memoranda: | ||
| Average total assets | $183,284,750 | 3,414 |
| Average earning assets | $170,767,000 | 3,365 |
| Average equity | $19,510,750 | 3,314 |
| Average total loans | $119,025,250 | 3,532 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1794% | 1,527 |
| Cost of funding earning assets | 2.6293% | 1,212 |
| Net interest margin | 3.5501% | 4,569 |
| Noninterest income to average assets | 0.9162% | 1,914 |
| Noninterest expense to average assets | 2.7780% | 5,054 |
| Loan and lease loss provision to assets | 0.1017% | 6,153 |
| Net operating income to assets | 0.9785% | 2,184 |
| Return on assets (ROA) | 0.9785% | 2,278 |
| Pretax return on assets | 1.3283% | 1,943 |
| Return on Equity (ROE) | 9.2955% | 2,255 |
| Retained earnings to average equity (ytd only) | 7.4572% | 1,408 |
| Net charge-offs to loans | 0.1586% | 4,608 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 14.0645% | 1,686 |
| Efficiency ratio | 66.0171% | 5,543 |
| Assets per employee ($millions) | 4.3431% | 3,030 |
| Cash dividends to net income (ytd only)* | 19.7765% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 3,853 |
| Loan loss allowance to noncurrent loans | 274.9577% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 5,406 |
| Noncurrent loans to loans | 0.5006% | 6,273 |
| Net loans and leases to total assets | 63.8247% | 5,024 |
| Net loans and leases to deposits | 72.1840% | 5,712 |
| Net loans and leases to core deposits | 107.2885% | 3,692 |
| Total domestic deposits to total assets | 88.4194% | 1,566 |
| Equity capital to assets | 10.6886% | 3,214 |
| Core capital (leverage) ratio | 10.7993% | 2,566 |
| Tier 1 risk-based capital ratio | 15.2416% | 2,914 |
| Total risk-based capital ratio | 16.4920% | 2,842 |
| Memoranda: | ||
| Average total assets | $182,939,000 | 3,441 |
| Average earning assets | $169,627,330 | 3,398 |
| Average equity | $19,256,670 | 3,360 |
| Average total loans | $117,287,000 | 3,598 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1943% | 1,620 |
| Cost of funding earning assets | 2.7059% | 1,256 |
| Net interest margin | 3.4884% | 4,777 |
| Noninterest income to average assets | 0.9017% | 1,843 |
| Noninterest expense to average assets | 2.6593% | 5,187 |
| Loan and lease loss provision to assets | 0.1616% | 4,867 |
| Net operating income to assets | 0.7838% | 3,197 |
| Return on assets (ROA) | 0.7838% | 3,362 |
| Pretax return on assets | 1.3122% | 2,242 |
| Return on Equity (ROE) | 7.5040% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.5040% | 2,020 |
| Net charge-offs to loans | 0.2532% | 3,143 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 9.1216% | 2,102 |
| Efficiency ratio | 64.3423% | 5,620 |
| Assets per employee ($millions) | 4.4147% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 3,456 |
| Loan loss allowance to noncurrent loans | 361.9154% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 4,884 |
| Noncurrent loans to loans | 0.3891% | 6,447 |
| Net loans and leases to total assets | 61.3572% | 5,436 |
| Net loans and leases to deposits | 69.0810% | 6,064 |
| Net loans and leases to core deposits | 101.1622% | 4,423 |
| Total domestic deposits to total assets | 88.8192% | 1,326 |
| Equity capital to assets | 10.3810% | 3,579 |
| Core capital (leverage) ratio | 10.4522% | 2,981 |
| Tier 1 risk-based capital ratio | 15.0502% | 3,042 |
| Total risk-based capital ratio | 16.3009% | 2,983 |
| Memoranda: | ||
| Average total assets | $183,204,000 | 3,459 |
| Average earning assets | $169,703,500 | 3,429 |
| Average equity | $19,136,500 | 3,398 |
| Average total loans | $116,907,000 | 3,626 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5581% | 2,676 |
| Cost of funding earning assets | 2.9126% | 2,211 |
| Net interest margin | 3.6455% | 4,698 |
| Noninterest income to average assets | 0.9766% | 1,667 |
| Noninterest expense to average assets | 2.5711% | 5,749 |
| Loan and lease loss provision to assets | 0.1424% | 5,532 |
| Net operating income to assets | 1.2680% | 1,575 |
| Return on assets (ROA) | 1.2680% | 1,523 |
| Pretax return on assets | 1.6490% | 1,267 |
| Return on Equity (ROE) | 12.5165% | 1,443 |
| Retained earnings to average equity (ytd only) | 7.9655% | 853 |
| Net charge-offs to loans | 0.2164% | 4,046 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 12.5820% | 2,232 |
| Efficiency ratio | 58.9368% | 6,535 |
| Assets per employee ($millions) | 4.2091% | 3,102 |
| Cash dividends to net income (ytd only)* | 36.3596% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 3,352 |
| Loan loss allowance to noncurrent loans | 78.7306% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 3,254 |
| Noncurrent loans to loans | 1.7429% | 3,154 |
| Net loans and leases to total assets | 64.5321% | 5,167 |
| Net loans and leases to deposits | 72.7396% | 5,973 |
| Net loans and leases to core deposits | 109.4619% | 3,812 |
| Total domestic deposits to total assets | 88.7166% | 1,144 |
| Equity capital to assets | 10.5115% | 3,490 |
| Core capital (leverage) ratio | 10.4232% | 3,051 |
| Tier 1 risk-based capital ratio | 14.2708% | 3,411 |
| Total risk-based capital ratio | 15.4985% | 3,342 |
| Memoranda: | ||
| Average total assets | $179,807,600 | 3,407 |
| Average earning assets | $167,000,000 | 3,372 |
| Average equity | $18,216,000 | 3,520 |
| Average total loans | $118,313,600 | 3,503 |