Home > Bank of Wisconsin Dells > Performance and Condition Ratios
Bank of Wisconsin Dells, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 2,224 |
| Cost of funding earning assets | 2.3455% | 500 |
| Net interest margin | 2.5808% | 3,989 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.5823% | 4,260 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 1.0737% | 1,998 |
| Return on assets (ROA) | 1.0313% | 2,094 |
| Pretax return on assets | 1.2812% | 1,923 |
| Return on Equity (ROE) | 11.7700% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.2279% | 1,471 |
| Net charge-offs to loans | -0.0036% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.1765% | 3,586 |
| Assets per employee ($millions) | 10.5937% | 601 |
| Cash dividends to net income (ytd only)* | 30.0794% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 649 |
| Loan loss allowance to noncurrent loans | 1,031.6498% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,690 |
| Noncurrent loans to loans | 0.1653% | 2,692 |
| Net loans and leases to total assets | 74.1100% | 1,352 |
| Net loans and leases to deposits | 85.2809% | 1,670 |
| Net loans and leases to core deposits | 103.5858% | 1,240 |
| Total domestic deposits to total assets | 86.9000% | 1,715 |
| Equity capital to assets | 9.3288% | 2,472 |
| Core capital (leverage) ratio | 10.6699% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8755% | 2,282 |
| Memoranda: | ||
| Average total assets | $952,565,400 | 1,025 |
| Average earning assets | $897,923,600 | 1,003 |
| Average equity | $83,484,000 | 1,097 |
| Average total loans | $699,229,400 | 963 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 2,254 |
| Cost of funding earning assets | 2.2367% | 465 |
| Net interest margin | 2.5663% | 4,072 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.5490% | 4,280 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 1.0561% | 2,198 |
| Return on assets (ROA) | 1.0328% | 2,257 |
| Pretax return on assets | 1.3654% | 1,858 |
| Return on Equity (ROE) | 11.9900% | 2,127 |
| Retained earnings to average equity (ytd only) | 11.9943% | 968 |
| Net charge-offs to loans | -0.0127% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.2030% | 3,570 |
| Assets per employee ($millions) | 10.4447% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 691 |
| Loan loss allowance to noncurrent loans | 19,026.5625% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,715 |
| Noncurrent loans to loans | 0.0090% | 3,739 |
| Net loans and leases to total assets | 74.7000% | 1,271 |
| Net loans and leases to deposits | 85.4702% | 1,617 |
| Net loans and leases to core deposits | 100.8526% | 1,269 |
| Total domestic deposits to total assets | 87.3900% | 1,769 |
| Equity capital to assets | 8.7923% | 2,541 |
| Core capital (leverage) ratio | 10.5449% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0105% | 2,268 |
| Memoranda: | ||
| Average total assets | $952,438,250 | 1,031 |
| Average earning assets | $898,224,000 | 1,008 |
| Average equity | $82,014,750 | 1,108 |
| Average total loans | $694,323,000 | 966 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 2,334 |
| Cost of funding earning assets | 2.0967% | 412 |
| Net interest margin | 2.5423% | 4,166 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 1.5762% | 4,274 |
| Loan and lease loss provision to assets | -0.1300% | 4,585 |
| Net operating income to assets | 1.0397% | 2,285 |
| Return on assets (ROA) | 1.0050% | 2,397 |
| Pretax return on assets | 1.3281% | 1,996 |
| Return on Equity (ROE) | 11.7500% | 2,234 |
| Retained earnings to average equity (ytd only) | 11.7526% | 1,038 |
| Net charge-offs to loans | -0.0093% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9024% | 3,434 |
| Assets per employee ($millions) | 10.5959% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 698 |
| Loan loss allowance to noncurrent loans | 18,973.4375% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,497 |
| Noncurrent loans to loans | 0.0091% | 3,723 |
| Net loans and leases to total assets | 73.0700% | 1,399 |
| Net loans and leases to deposits | 83.4066% | 1,729 |
| Net loans and leases to core deposits | 96.7195% | 1,424 |
| Total domestic deposits to total assets | 87.6100% | 1,744 |
| Equity capital to assets | 8.8616% | 2,621 |
| Core capital (leverage) ratio | 10.4670% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8396% | 2,354 |
| Memoranda: | ||
| Average total assets | $956,575,333 | 1,016 |
| Average earning assets | $902,087,667 | 993 |
| Average equity | $81,803,000 | 1,105 |
| Average total loans | $687,651,667 | 958 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 2,366 |
| Cost of funding earning assets | 1.8591% | 401 |
| Net interest margin | 2.6209% | 4,189 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.4686% | 4,414 |
| Loan and lease loss provision to assets | -0.2000% | 4,624 |
| Net operating income to assets | 1.2078% | 1,911 |
| Return on assets (ROA) | 1.1389% | 2,070 |
| Pretax return on assets | 1.5276% | 1,607 |
| Return on Equity (ROE) | 13.5600% | 1,867 |
| Retained earnings to average equity (ytd only) | 13.5590% | 999 |
| Net charge-offs to loans | -0.0188% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9581% | 3,855 |
| Assets per employee ($millions) | 11.2364% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8075% | 657 |
| Loan loss allowance to noncurrent loans | 6,746.1111% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,625 |
| Noncurrent loans to loans | 0.0268% | 3,576 |
| Net loans and leases to total assets | 67.4800% | 1,900 |
| Net loans and leases to deposits | 77.4781% | 1,999 |
| Net loans and leases to core deposits | 90.3333% | 1,599 |
| Total domestic deposits to total assets | 87.1000% | 2,226 |
| Equity capital to assets | 8.5344% | 2,861 |
| Core capital (leverage) ratio | 10.2432% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9690% | 2,402 |
| Memoranda: | ||
| Average total assets | $963,344,000 | 1,027 |
| Average earning assets | $909,907,000 | 1,001 |
| Average equity | $80,920,500 | 1,128 |
| Average total loans | $680,864,000 | 981 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 1,952 |
| Cost of funding earning assets | 0.5974% | 914 |
| Net interest margin | 3.3179% | 2,522 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 1.4884% | 4,435 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5129% | 855 |
| Return on assets (ROA) | 1.4787% | 899 |
| Pretax return on assets | 2.0077% | 472 |
| Return on Equity (ROE) | 16.6600% | 925 |
| Retained earnings to average equity (ytd only) | 11.4483% | 794 |
| Net charge-offs to loans | -0.0145% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.2558% | 4,511 |
| Assets per employee ($millions) | 11.1662% | 484 |
| Cash dividends to net income (ytd only)* | 31.2893% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 425 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.2300% | 1,499 |
| Net loans and leases to deposits | 82.2151% | 1,602 |
| Net loans and leases to core deposits | 94.2422% | 1,284 |
| Total domestic deposits to total assets | 86.6400% | 2,517 |
| Equity capital to assets | 8.2615% | 2,884 |
| Core capital (leverage) ratio | 10.2435% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3916% | 2,613 |
| Memoranda: | ||
| Average total assets | $914,232,600 | 1,061 |
| Average earning assets | $867,876,600 | 1,032 |
| Average equity | $81,138,600 | 1,116 |
| Average total loans | $618,786,600 | 1,017 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 1,799 |
| Cost of funding earning assets | 0.4436% | 1,013 |
| Net interest margin | 3.3431% | 2,163 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.4443% | 4,479 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5871% | 676 |
| Return on assets (ROA) | 1.5871% | 656 |
| Pretax return on assets | 2.1574% | 345 |
| Return on Equity (ROE) | 17.5600% | 697 |
| Retained earnings to average equity (ytd only) | 17.5649% | 184 |
| Net charge-offs to loans | -0.0089% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.7351% | 4,580 |
| Assets per employee ($millions) | 11.0457% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1722% | 363 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.3200% | 2,057 |
| Net loans and leases to deposits | 70.9215% | 2,295 |
| Net loans and leases to core deposits | 77.6148% | 2,065 |
| Total domestic deposits to total assets | 90.7000% | 1,364 |
| Equity capital to assets | 8.3132% | 2,670 |
| Core capital (leverage) ratio | 10.1462% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4503% | 2,287 |
| Memoranda: | ||
| Average total assets | $905,509,750 | 1,080 |
| Average earning assets | $860,818,000 | 1,053 |
| Average equity | $81,820,250 | 1,122 |
| Average total loans | $601,001,000 | 1,038 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 1,674 |
| Cost of funding earning assets | 0.3513% | 1,245 |
| Net interest margin | 3.3005% | 1,911 |
| Noninterest income to average assets | 0.4689% | 2,356 |
| Noninterest expense to average assets | 1.4689% | 4,455 |
| Loan and lease loss provision to assets | 0.0335% | 1,982 |
| Net operating income to assets | 1.5524% | 617 |
| Return on assets (ROA) | 1.5524% | 601 |
| Pretax return on assets | 2.1114% | 287 |
| Return on Equity (ROE) | 16.7123% | 603 |
| Retained earnings to average equity (ytd only) | 16.7123% | 160 |
| Net charge-offs to loans | -0.0024% | 3,164 |
| Credit loss provision to net charge-offs | -2,142.8571% | 3,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6472% | 4,598 |
| Assets per employee ($millions) | 10.6906% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1842% | 391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.1368% | 1,562 |
| Net loans and leases to deposits | 74.6823% | 1,788 |
| Net loans and leases to core deposits | 81.3613% | 1,635 |
| Total domestic deposits to total assets | 89.8966% | 1,753 |
| Equity capital to assets | 9.0881% | 2,331 |
| Core capital (leverage) ratio | 10.4380% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1688% | 1,988 |
| Memoranda: | ||
| Average total assets | $894,384,667 | 1,079 |
| Average earning assets | $852,245,000 | 1,065 |
| Average equity | $83,076,667 | 1,119 |
| Average total loans | $595,557,000 | 1,032 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5003% | 1,807 |
| Cost of funding earning assets | 0.3312% | 1,368 |
| Net interest margin | 3.1691% | 1,973 |
| Noninterest income to average assets | 0.4655% | 2,327 |
| Noninterest expense to average assets | 1.3511% | 4,578 |
| Loan and lease loss provision to assets | 0.0334% | 1,765 |
| Net operating income to assets | 1.5503% | 572 |
| Return on assets (ROA) | 1.5503% | 565 |
| Pretax return on assets | 2.1075% | 297 |
| Return on Equity (ROE) | 16.5135% | 479 |
| Retained earnings to average equity (ytd only) | 16.5135% | 206 |
| Net charge-offs to loans | -0.0014% | 3,047 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6912% | 4,668 |
| Assets per employee ($millions) | 11.8195% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2194% | 423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.0067% | 1,618 |
| Net loans and leases to deposits | 71.6403% | 1,813 |
| Net loans and leases to core deposits | 77.8507% | 1,626 |
| Total domestic deposits to total assets | 89.3445% | 1,906 |
| Equity capital to assets | 9.0092% | 2,701 |
| Core capital (leverage) ratio | 10.2058% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0884% | 2,167 |
| Memoranda: | ||
| Average total assets | $897,916,000 | 1,084 |
| Average earning assets | $857,517,000 | 1,060 |
| Average equity | $84,294,500 | 1,145 |
| Average total loans | $588,824,500 | 1,036 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 1,582 |
| Cost of funding earning assets | 0.4370% | 1,275 |
| Net interest margin | 3.4726% | 1,821 |
| Noninterest income to average assets | 0.5676% | 2,291 |
| Noninterest expense to average assets | 1.5923% | 4,436 |
| Loan and lease loss provision to assets | 0.1720% | 674 |
| Net operating income to assets | 1.5708% | 874 |
| Return on assets (ROA) | 1.5583% | 924 |
| Pretax return on assets | 2.0972% | 499 |
| Return on Equity (ROE) | 14.9932% | 950 |
| Retained earnings to average equity (ytd only) | 10.6485% | 775 |
| Net charge-offs to loans | 0.0024% | 2,540 |
| Credit loss provision to net charge-offs | 10,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,328.3571% | 112 |
| Efficiency ratio | 41.0667% | 4,666 |
| Assets per employee ($millions) | 10.9349% | 520 |
| Cash dividends to net income (ytd only)* | 28.9781% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2590% | 411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 64.2132% | 1,677 |
| Net loans and leases to deposits | 73.0076% | 1,812 |
| Net loans and leases to core deposits | 79.9710% | 1,598 |
| Total domestic deposits to total assets | 87.9541% | 2,069 |
| Equity capital to assets | 9.7768% | 2,873 |
| Core capital (leverage) ratio | 9.9998% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9679% | 2,261 |
| Memoranda: | ||
| Average total assets | $813,836,800 | 1,144 |
| Average earning assets | $775,704,200 | 1,120 |
| Average equity | $84,584,800 | 1,153 |
| Average total loans | $580,192,000 | 1,044 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 1,591 |
| Cost of funding earning assets | 0.4637% | 1,264 |
| Net interest margin | 3.5152% | 1,825 |
| Noninterest income to average assets | 0.5676% | 2,345 |
| Noninterest expense to average assets | 1.5632% | 4,521 |
| Loan and lease loss provision to assets | 0.0544% | 1,893 |
| Net operating income to assets | 1.7075% | 814 |
| Return on assets (ROA) | 1.7075% | 853 |
| Pretax return on assets | 2.2988% | 468 |
| Return on Equity (ROE) | 16.1616% | 912 |
| Retained earnings to average equity (ytd only) | 16.1616% | 284 |
| Net charge-offs to loans | 0.0011% | 2,396 |
| Credit loss provision to net charge-offs | 6,500.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 2,809.4000% | 51 |
| Efficiency ratio | 39.9136% | 4,726 |
| Assets per employee ($millions) | 10.5311% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0869% | 549 |
| Loan loss allowance to noncurrent loans | 120,790.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,284 |
| Noncurrent loans to loans | 0.0017% | 4,216 |
| Net loans and leases to total assets | 65.6274% | 1,584 |
| Net loans and leases to deposits | 74.8230% | 1,778 |
| Net loans and leases to core deposits | 82.0897% | 1,564 |
| Total domestic deposits to total assets | 87.7102% | 2,002 |
| Equity capital to assets | 10.2377% | 2,672 |
| Core capital (leverage) ratio | 10.0191% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8092% | 2,043 |
| Memoranda: | ||
| Average total assets | $795,863,750 | 1,178 |
| Average earning assets | $758,214,750 | 1,149 |
| Average equity | $84,082,000 | 1,175 |
| Average total loans | $579,765,000 | 1,062 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 1,343 |
| Cost of funding earning assets | 0.4890% | 1,267 |
| Net interest margin | 3.6140% | 1,560 |
| Noninterest income to average assets | 0.5765% | 2,310 |
| Noninterest expense to average assets | 1.6335% | 4,466 |
| Loan and lease loss provision to assets | 0.0647% | 1,748 |
| Net operating income to assets | 1.7178% | 844 |
| Return on assets (ROA) | 1.7178% | 894 |
| Pretax return on assets | 2.3129% | 471 |
| Return on Equity (ROE) | 16.0745% | 946 |
| Retained earnings to average equity (ytd only) | 16.0745% | 333 |
| Net charge-offs to loans | 0.0017% | 2,152 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 1,838.6000% | 59 |
| Efficiency ratio | 40.7247% | 4,729 |
| Assets per employee ($millions) | 9.8345% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0608% | 540 |
| Loan loss allowance to noncurrent loans | 109,127.2727% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,337 |
| Noncurrent loans to loans | 0.0019% | 4,261 |
| Net loans and leases to total assets | 69.0587% | 1,316 |
| Net loans and leases to deposits | 78.8242% | 1,541 |
| Net loans and leases to core deposits | 86.7758% | 1,365 |
| Total domestic deposits to total assets | 87.6110% | 2,034 |
| Equity capital to assets | 10.3812% | 2,508 |
| Core capital (leverage) ratio | 10.6036% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5287% | 2,157 |
| Memoranda: | ||
| Average total assets | $773,301,333 | 1,196 |
| Average earning assets | $734,922,333 | 1,173 |
| Average equity | $82,640,000 | 1,188 |
| Average total loans | $580,085,000 | 1,066 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 1,016 |
| Cost of funding earning assets | 0.5211% | 1,266 |
| Net interest margin | 3.7993% | 1,142 |
| Noninterest income to average assets | 0.5345% | 2,461 |
| Noninterest expense to average assets | 1.5986% | 4,536 |
| Loan and lease loss provision to assets | 0.0937% | 1,427 |
| Net operating income to assets | 1.8139% | 766 |
| Return on assets (ROA) | 1.8139% | 817 |
| Pretax return on assets | 2.4421% | 486 |
| Return on Equity (ROE) | 16.7093% | 892 |
| Retained earnings to average equity (ytd only) | 16.7093% | 447 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6658% | 4,788 |
| Assets per employee ($millions) | 9.6400% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 604 |
| Loan loss allowance to noncurrent loans | 119,340.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,408 |
| Noncurrent loans to loans | 0.0017% | 4,331 |
| Net loans and leases to total assets | 74.2683% | 789 |
| Net loans and leases to deposits | 84.7333% | 1,072 |
| Net loans and leases to core deposits | 94.3395% | 957 |
| Total domestic deposits to total assets | 87.6495% | 2,016 |
| Equity capital to assets | 10.3762% | 2,372 |
| Core capital (leverage) ratio | 10.9942% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8859% | 2,328 |
| Memoranda: | ||
| Average total assets | $746,904,000 | 1,220 |
| Average earning assets | $707,710,000 | 1,198 |
| Average equity | $81,080,500 | 1,197 |
| Average total loans | $578,880,000 | 1,066 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 915 |
| Cost of funding earning assets | 0.7097% | 1,674 |
| Net interest margin | 3.9785% | 1,019 |
| Noninterest income to average assets | 0.5925% | 2,240 |
| Noninterest expense to average assets | 1.8807% | 4,352 |
| Loan and lease loss provision to assets | 0.4205% | 712 |
| Net operating income to assets | 1.5345% | 737 |
| Return on assets (ROA) | 1.5403% | 787 |
| Pretax return on assets | 2.0623% | 399 |
| Return on Equity (ROE) | 13.2607% | 977 |
| Retained earnings to average equity (ytd only) | 9.0965% | 746 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1734% | 4,810 |
| Assets per employee ($millions) | 7.9026% | 1,070 |
| Cash dividends to net income (ytd only)* | 31.4026% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1045% | 485 |
| Loan loss allowance to noncurrent loans | 73,493.7500% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,465 |
| Noncurrent loans to loans | 0.0029% | 4,399 |
| Net loans and leases to total assets | 77.7718% | 620 |
| Net loans and leases to deposits | 90.5525% | 884 |
| Net loans and leases to core deposits | 102.0917% | 810 |
| Total domestic deposits to total assets | 85.8859% | 2,409 |
| Equity capital to assets | 11.3943% | 1,964 |
| Core capital (leverage) ratio | 11.0464% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3002% | 2,518 |
| Memoranda: | ||
| Average total assets | $664,656,800 | 1,228 |
| Average earning assets | $628,748,000 | 1,215 |
| Average equity | $77,205,400 | 1,192 |
| Average total loans | $528,203,200 | 1,092 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,075 |
| Cost of funding earning assets | 0.7517% | 1,734 |
| Net interest margin | 3.9452% | 1,246 |
| Noninterest income to average assets | 0.5578% | 2,361 |
| Noninterest expense to average assets | 1.8740% | 4,379 |
| Loan and lease loss provision to assets | 0.4061% | 856 |
| Net operating income to assets | 1.5036% | 902 |
| Return on assets (ROA) | 1.5114% | 963 |
| Pretax return on assets | 2.0238% | 495 |
| Return on Equity (ROE) | 12.9456% | 1,126 |
| Retained earnings to average equity (ytd only) | 12.9456% | 333 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6427% | 4,803 |
| Assets per employee ($millions) | 8.1308% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 541 |
| Loan loss allowance to noncurrent loans | 2,457.1749% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 4,127 |
| Noncurrent loans to loans | 0.0793% | 4,052 |
| Net loans and leases to total assets | 77.0915% | 950 |
| Net loans and leases to deposits | 89.2794% | 1,342 |
| Net loans and leases to core deposits | 100.3239% | 1,142 |
| Total domestic deposits to total assets | 86.3486% | 1,918 |
| Equity capital to assets | 11.2742% | 2,171 |
| Core capital (leverage) ratio | 10.8266% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7588% | 2,300 |
| Memoranda: | ||
| Average total assets | $654,988,000 | 1,226 |
| Average earning assets | $620,275,500 | 1,212 |
| Average equity | $76,471,750 | 1,197 |
| Average total loans | $520,565,750 | 1,094 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 1,188 |
| Cost of funding earning assets | 0.8101% | 1,779 |
| Net interest margin | 3.9820% | 1,369 |
| Noninterest income to average assets | 0.5283% | 2,450 |
| Noninterest expense to average assets | 1.9020% | 4,418 |
| Loan and lease loss provision to assets | 0.3292% | 1,297 |
| Net operating income to assets | 1.5398% | 864 |
| Return on assets (ROA) | 1.5519% | 918 |
| Pretax return on assets | 2.0756% | 472 |
| Return on Equity (ROE) | 13.1232% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.1232% | 344 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3213% | 4,798 |
| Assets per employee ($millions) | 8.2128% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 614 |
| Loan loss allowance to noncurrent loans | 2,254.2793% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 4,216 |
| Noncurrent loans to loans | 0.0811% | 4,133 |
| Net loans and leases to total assets | 76.0548% | 1,132 |
| Net loans and leases to deposits | 88.1761% | 1,539 |
| Net loans and leases to core deposits | 106.7541% | 860 |
| Total domestic deposits to total assets | 86.2533% | 1,912 |
| Equity capital to assets | 11.0682% | 2,277 |
| Core capital (leverage) ratio | 11.5579% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5814% | 2,367 |
| Memoranda: | ||
| Average total assets | $634,815,000 | 1,243 |
| Average earning assets | $599,896,667 | 1,225 |
| Average equity | $75,073,000 | 1,204 |
| Average total loans | $506,569,667 | 1,105 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 1,021 |
| Cost of funding earning assets | 0.9428% | 1,675 |
| Net interest margin | 4.0295% | 1,314 |
| Noninterest income to average assets | 0.5475% | 2,295 |
| Noninterest expense to average assets | 2.0892% | 4,236 |
| Loan and lease loss provision to assets | 0.1636% | 1,778 |
| Net operating income to assets | 1.5706% | 662 |
| Return on assets (ROA) | 1.5965% | 692 |
| Pretax return on assets | 2.1313% | 351 |
| Return on Equity (ROE) | 13.0084% | 881 |
| Retained earnings to average equity (ytd only) | 13.0084% | 320 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0129% | 4,759 |
| Assets per employee ($millions) | 7.4587% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 655 |
| Loan loss allowance to noncurrent loans | 2,136.6589% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,244 |
| Noncurrent loans to loans | 0.0868% | 4,163 |
| Net loans and leases to total assets | 80.6567% | 610 |
| Net loans and leases to deposits | 94.5018% | 1,036 |
| Net loans and leases to core deposits | 111.3125% | 785 |
| Total domestic deposits to total assets | 85.3494% | 2,267 |
| Equity capital to assets | 12.4827% | 1,746 |
| Core capital (leverage) ratio | 12.1363% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0238% | 2,276 |
| Memoranda: | ||
| Average total assets | $599,072,500 | 1,263 |
| Average earning assets | $565,532,000 | 1,242 |
| Average equity | $73,522,000 | 1,221 |
| Average total loans | $486,262,500 | 1,116 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 1,661 |
| Cost of funding earning assets | 1.0258% | 1,617 |
| Net interest margin | 3.9047% | 2,163 |
| Noninterest income to average assets | 0.7673% | 1,554 |
| Noninterest expense to average assets | 2.0779% | 4,398 |
| Loan and lease loss provision to assets | 0.0830% | 2,348 |
| Net operating income to assets | 1.7684% | 563 |
| Return on assets (ROA) | 1.7571% | 615 |
| Pretax return on assets | 2.2617% | 337 |
| Return on Equity (ROE) | 14.8268% | 721 |
| Retained earnings to average equity (ytd only) | 9.4602% | 597 |
| Net charge-offs to loans | -0.0022% | 4,234 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8313% | 4,880 |
| Assets per employee ($millions) | 6.9881% | 1,041 |
| Cash dividends to net income (ytd only)* | 36.1955% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.6310% | 985 |
| Net loans and leases to deposits | 92.4864% | 1,312 |
| Net loans and leases to core deposits | 104.7002% | 1,185 |
| Total domestic deposits to total assets | 85.0190% | 2,482 |
| Equity capital to assets | 12.0590% | 2,100 |
| Core capital (leverage) ratio | 12.1399% | 1,689 |
| Tier 1 risk-based capital ratio | 12.6885% | 3,955 |
| Total risk-based capital ratio | 13.9430% | 3,833 |
| Memoranda: | ||
| Average total assets | $578,626,200 | 1,259 |
| Average earning assets | $543,783,600 | 1,250 |
| Average equity | $68,571,600 | 1,237 |
| Average total loans | $456,859,200 | 1,147 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 1,712 |
| Cost of funding earning assets | 1.0480% | 1,543 |
| Net interest margin | 3.8887% | 2,297 |
| Noninterest income to average assets | 0.5080% | 2,678 |
| Noninterest expense to average assets | 2.0174% | 4,515 |
| Loan and lease loss provision to assets | 0.0835% | 2,238 |
| Net operating income to assets | 1.5441% | 1,076 |
| Return on assets (ROA) | 1.5305% | 1,165 |
| Pretax return on assets | 2.0438% | 625 |
| Return on Equity (ROE) | 12.9737% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.9737% | 282 |
| Net charge-offs to loans | -0.0740% | 4,928 |
| Credit loss provision to net charge-offs | -143.4263% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4729% | 4,826 |
| Assets per employee ($millions) | 7.0154% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,681 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 78.2611% | 1,099 |
| Net loans and leases to deposits | 91.4847% | 1,504 |
| Net loans and leases to core deposits | 102.0036% | 1,499 |
| Total domestic deposits to total assets | 85.5456% | 2,187 |
| Equity capital to assets | 12.2282% | 2,097 |
| Core capital (leverage) ratio | 11.7443% | 2,045 |
| Tier 1 risk-based capital ratio | 12.9322% | 3,887 |
| Total risk-based capital ratio | 14.1872% | 3,778 |
| Memoranda: | ||
| Average total assets | $574,786,000 | 1,269 |
| Average earning assets | $540,077,500 | 1,258 |
| Average equity | $67,807,250 | 1,246 |
| Average total loans | $452,068,500 | 1,158 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 1,889 |
| Cost of funding earning assets | 1.0314% | 1,566 |
| Net interest margin | 3.8252% | 2,496 |
| Noninterest income to average assets | 0.4948% | 2,703 |
| Noninterest expense to average assets | 1.9826% | 4,631 |
| Loan and lease loss provision to assets | 0.0842% | 2,161 |
| Net operating income to assets | 1.5142% | 1,111 |
| Return on assets (ROA) | 1.5142% | 1,158 |
| Pretax return on assets | 2.0212% | 655 |
| Return on Equity (ROE) | 12.9990% | 1,245 |
| Retained earnings to average equity (ytd only) | 12.9990% | 301 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4979% | 4,868 |
| Assets per employee ($millions) | 7.0159% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,718 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.4664% | 972 |
| Net loans and leases to deposits | 93.4763% | 1,316 |
| Net loans and leases to core deposits | 105.0813% | 1,298 |
| Total domestic deposits to total assets | 85.0123% | 2,472 |
| Equity capital to assets | 12.0678% | 2,135 |
| Core capital (leverage) ratio | 12.0505% | 1,797 |
| Tier 1 risk-based capital ratio | 12.6359% | 4,051 |
| Total risk-based capital ratio | 13.8903% | 3,943 |
| Memoranda: | ||
| Average total assets | $569,950,000 | 1,279 |
| Average earning assets | $535,399,000 | 1,265 |
| Average equity | $66,389,670 | 1,268 |
| Average total loans | $446,000,330 | 1,172 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 1,977 |
| Cost of funding earning assets | 1.0117% | 1,524 |
| Net interest margin | 3.7616% | 2,667 |
| Noninterest income to average assets | 0.4985% | 2,560 |
| Noninterest expense to average assets | 2.0413% | 4,574 |
| Loan and lease loss provision to assets | 0.0846% | 2,006 |
| Net operating income to assets | 1.4272% | 1,299 |
| Return on assets (ROA) | 1.4272% | 1,327 |
| Pretax return on assets | 1.9172% | 761 |
| Return on Equity (ROE) | 12.4802% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.4802% | 542 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4883% | 4,792 |
| Assets per employee ($millions) | 7.3347% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 543 |
| Loan loss allowance to noncurrent loans | 2,719.6203% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 4,427 |
| Noncurrent loans to loans | 0.0720% | 4,436 |
| Net loans and leases to total assets | 74.2284% | 1,763 |
| Net loans and leases to deposits | 84.9138% | 2,274 |
| Net loans and leases to core deposits | 94.9039% | 2,038 |
| Total domestic deposits to total assets | 87.4162% | 1,609 |
| Equity capital to assets | 11.4415% | 2,455 |
| Core capital (leverage) ratio | 11.5786% | 2,082 |
| Tier 1 risk-based capital ratio | 12.7675% | 4,001 |
| Total risk-based capital ratio | 14.0226% | 3,894 |
| Memoranda: | ||
| Average total assets | $567,272,000 | 1,286 |
| Average earning assets | $534,565,500 | 1,267 |
| Average equity | $64,871,000 | 1,285 |
| Average total loans | $436,056,000 | 1,199 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 2,482 |
| Cost of funding earning assets | 0.7940% | 1,548 |
| Net interest margin | 3.6984% | 3,037 |
| Noninterest income to average assets | 0.5815% | 2,396 |
| Noninterest expense to average assets | 1.9602% | 4,808 |
| Loan and lease loss provision to assets | 0.1643% | 1,237 |
| Net operating income to assets | 1.4462% | 1,288 |
| Return on assets (ROA) | 1.4249% | 1,346 |
| Pretax return on assets | 1.9147% | 690 |
| Return on Equity (ROE) | 12.7079% | 1,464 |
| Retained earnings to average equity (ytd only) | 8.2153% | 1,150 |
| Net charge-offs to loans | 0.2209% | 877 |
| Credit loss provision to net charge-offs | 95.5414% | 2,633 |
| Earnings coverage of net charge-offs (x) | 12.2495% | 2,548 |
| Efficiency ratio | 48.2068% | 5,035 |
| Assets per employee ($millions) | 6.7695% | 1,084 |
| Cash dividends to net income (ytd only)* | 35.3529% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,759 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.5505% | 1,509 |
| Net loans and leases to deposits | 87.9939% | 2,042 |
| Net loans and leases to core deposits | 98.7066% | 1,817 |
| Total domestic deposits to total assets | 86.9953% | 1,790 |
| Equity capital to assets | 11.4295% | 2,309 |
| Core capital (leverage) ratio | 11.4974% | 2,104 |
| Tier 1 risk-based capital ratio | 12.7501% | 3,990 |
| Total risk-based capital ratio | 14.0056% | 3,869 |
| Memoranda: | ||
| Average total assets | $547,916,800 | 1,298 |
| Average earning assets | $516,246,800 | 1,275 |
| Average equity | $61,434,200 | 1,292 |
| Average total loans | $426,513,800 | 1,189 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 2,657 |
| Cost of funding earning assets | 0.7392% | 1,622 |
| Net interest margin | 3.6521% | 3,194 |
| Noninterest income to average assets | 0.6020% | 2,297 |
| Noninterest expense to average assets | 1.9365% | 4,845 |
| Loan and lease loss provision to assets | 0.1648% | 1,150 |
| Net operating income to assets | 1.4439% | 1,349 |
| Return on assets (ROA) | 1.4424% | 1,353 |
| Pretax return on assets | 1.9424% | 745 |
| Return on Equity (ROE) | 12.9279% | 1,459 |
| Retained earnings to average equity (ytd only) | 12.9279% | 369 |
| Net charge-offs to loans | 0.2957% | 560 |
| Credit loss provision to net charge-offs | 71.6561% | 2,617 |
| Earnings coverage of net charge-offs (x) | 9.1709% | 2,662 |
| Efficiency ratio | 47.8668% | 5,055 |
| Assets per employee ($millions) | 7.2461% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,857 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.2739% | 2,449 |
| Net loans and leases to deposits | 81.2767% | 2,895 |
| Net loans and leases to core deposits | 90.8542% | 2,578 |
| Total domestic deposits to total assets | 87.6929% | 1,399 |
| Equity capital to assets | 10.9547% | 2,703 |
| Core capital (leverage) ratio | 11.4659% | 2,196 |
| Tier 1 risk-based capital ratio | 13.0941% | 3,851 |
| Total risk-based capital ratio | 14.3492% | 3,763 |
| Memoranda: | ||
| Average total assets | $546,121,000 | 1,297 |
| Average earning assets | $514,938,000 | 1,280 |
| Average equity | $60,931,500 | 1,300 |
| Average total loans | $424,790,750 | 1,196 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 1,817 |
| Cost of funding earning assets | 0.6762% | 1,767 |
| Net interest margin | 3.9113% | 2,168 |
| Noninterest income to average assets | 0.3855% | 3,582 |
| Noninterest expense to average assets | 1.9576% | 4,865 |
| Loan and lease loss provision to assets | 0.1682% | 1,094 |
| Net operating income to assets | 1.4463% | 1,294 |
| Return on assets (ROA) | 1.4439% | 1,303 |
| Pretax return on assets | 1.9393% | 705 |
| Return on Equity (ROE) | 12.8574% | 1,418 |
| Retained earnings to average equity (ytd only) | 12.8574% | 400 |
| Net charge-offs to loans | 0.4391% | 350 |
| Credit loss provision to net charge-offs | 48.1283% | 2,503 |
| Earnings coverage of net charge-offs (x) | 6.0374% | 2,660 |
| Efficiency ratio | 48.1206% | 5,113 |
| Assets per employee ($millions) | 6.8629% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 636 |
| Loan loss allowance to noncurrent loans | 114,714.2857% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 4,884 |
| Noncurrent loans to loans | 0.0017% | 4,971 |
| Net loans and leases to total assets | 76.6130% | 1,547 |
| Net loans and leases to deposits | 87.7531% | 2,137 |
| Net loans and leases to core deposits | 99.1091% | 1,809 |
| Total domestic deposits to total assets | 87.3052% | 1,724 |
| Equity capital to assets | 11.3932% | 2,271 |
| Core capital (leverage) ratio | 11.6690% | 1,926 |
| Tier 1 risk-based capital ratio | 12.9233% | 3,936 |
| Total risk-based capital ratio | 14.1783% | 3,855 |
| Memoranda: | ||
| Average total assets | $534,932,000 | 1,329 |
| Average earning assets | $503,669,670 | 1,308 |
| Average equity | $60,074,330 | 1,319 |
| Average total loans | $425,916,000 | 1,198 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 1,870 |
| Cost of funding earning assets | 0.6341% | 1,816 |
| Net interest margin | 3.8648% | 2,178 |
| Noninterest income to average assets | 0.4080% | 3,406 |
| Noninterest expense to average assets | 2.0749% | 4,714 |
| Loan and lease loss provision to assets | 0.1694% | 1,049 |
| Net operating income to assets | 1.3433% | 1,500 |
| Return on assets (ROA) | 1.3386% | 1,531 |
| Pretax return on assets | 1.7918% | 926 |
| Return on Equity (ROE) | 12.0082% | 1,578 |
| Retained earnings to average equity (ytd only) | 12.0082% | 681 |
| Net charge-offs to loans | 0.0440% | 1,679 |
| Credit loss provision to net charge-offs | 478.7234% | 620 |
| Earnings coverage of net charge-offs (x) | 55.5957% | 883 |
| Efficiency ratio | 51.3317% | 5,005 |
| Assets per employee ($millions) | 7.2123% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0073% | 538 |
| Loan loss allowance to noncurrent loans | 339.3443% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 2,787 |
| Noncurrent loans to loans | 0.5915% | 2,764 |
| Net loans and leases to total assets | 78.4625% | 1,164 |
| Net loans and leases to deposits | 89.4143% | 1,759 |
| Net loans and leases to core deposits | 121.3159% | 547 |
| Total domestic deposits to total assets | 87.7516% | 1,761 |
| Equity capital to assets | 11.0680% | 2,514 |
| Core capital (leverage) ratio | 11.4836% | 2,024 |
| Tier 1 risk-based capital ratio | 11.7888% | 4,690 |
| Total risk-based capital ratio | 13.0443% | 4,567 |
| Memoranda: | ||
| Average total assets | $531,311,500 | 1,348 |
| Average earning assets | $499,591,500 | 1,327 |
| Average equity | $59,226,000 | 1,345 |
| Average total loans | $427,171,500 | 1,198 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 1,299 |
| Cost of funding earning assets | 0.5331% | 2,084 |
| Net interest margin | 4.1205% | 1,372 |
| Noninterest income to average assets | 0.3602% | 3,892 |
| Noninterest expense to average assets | 2.0121% | 4,938 |
| Loan and lease loss provision to assets | 0.1727% | 1,268 |
| Net operating income to assets | 1.1038% | 1,843 |
| Return on assets (ROA) | 1.1025% | 1,868 |
| Pretax return on assets | 2.0242% | 464 |
| Return on Equity (ROE) | 9.5640% | 2,072 |
| Retained earnings to average equity (ytd only) | 5.7677% | 1,673 |
| Net charge-offs to loans | 0.0080% | 3,795 |
| Credit loss provision to net charge-offs | 2,636.3636% | 147 |
| Earnings coverage of net charge-offs (x) | 335.7273% | 261 |
| Efficiency ratio | 47.7824% | 5,328 |
| Assets per employee ($millions) | 6.7754% | 1,067 |
| Cash dividends to net income (ytd only)* | 39.6940% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 520 |
| Loan loss allowance to noncurrent loans | 370.7009% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,993 |
| Noncurrent loans to loans | 0.5453% | 2,866 |
| Net loans and leases to total assets | 79.1091% | 1,096 |
| Net loans and leases to deposits | 90.5015% | 1,709 |
| Net loans and leases to core deposits | 123.7661% | 482 |
| Total domestic deposits to total assets | 87.4120% | 1,808 |
| Equity capital to assets | 11.2292% | 2,406 |
| Core capital (leverage) ratio | 11.5499% | 1,911 |
| Tier 1 risk-based capital ratio | 12.1127% | 4,455 |
| Total risk-based capital ratio | 13.3689% | 4,343 |
| Memoranda: | ||
| Average total assets | $503,855,000 | 1,392 |
| Average earning assets | $470,860,600 | 1,384 |
| Average equity | $58,082,400 | 1,353 |
| Average total loans | $411,684,400 | 1,206 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6718% | 1,198 |
| Cost of funding earning assets | 0.5229% | 2,091 |
| Net interest margin | 4.1489% | 1,280 |
| Noninterest income to average assets | 0.3756% | 3,842 |
| Noninterest expense to average assets | 1.9933% | 4,966 |
| Loan and lease loss provision to assets | 0.2323% | 779 |
| Net operating income to assets | 1.2831% | 1,396 |
| Return on assets (ROA) | 1.2831% | 1,420 |
| Pretax return on assets | 2.0243% | 524 |
| Return on Equity (ROE) | 11.0561% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.0561% | 410 |
| Net charge-offs to loans | 0.0111% | 3,334 |
| Credit loss provision to net charge-offs | 2,558.8235% | 168 |
| Earnings coverage of net charge-offs (x) | 248.6003% | 356 |
| Efficiency ratio | 46.9029% | 5,390 |
| Assets per employee ($millions) | 6.6407% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0774% | 492 |
| Loan loss allowance to noncurrent loans | 401.6038% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 3,229 |
| Noncurrent loans to loans | 0.5173% | 3,150 |
| Net loans and leases to total assets | 78.4865% | 1,199 |
| Net loans and leases to deposits | 90.0828% | 1,801 |
| Net loans and leases to core deposits | 118.0607% | 655 |
| Total domestic deposits to total assets | 87.1271% | 1,810 |
| Equity capital to assets | 11.8074% | 2,105 |
| Core capital (leverage) ratio | 11.7552% | 1,845 |
| Tier 1 risk-based capital ratio | 12.7425% | 4,181 |
| Total risk-based capital ratio | 13.9993% | 4,068 |
| Memoranda: | ||
| Average total assets | $499,393,250 | 1,413 |
| Average earning assets | $466,329,750 | 1,403 |
| Average equity | $57,957,250 | 1,366 |
| Average total loans | $409,298,250 | 1,225 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 1,061 |
| Cost of funding earning assets | 0.5099% | 2,092 |
| Net interest margin | 4.1895% | 1,096 |
| Noninterest income to average assets | 0.3698% | 3,910 |
| Noninterest expense to average assets | 1.9236% | 5,144 |
| Loan and lease loss provision to assets | 0.2664% | 613 |
| Net operating income to assets | 1.3245% | 1,237 |
| Return on assets (ROA) | 1.3245% | 1,265 |
| Pretax return on assets | 2.0904% | 455 |
| Return on Equity (ROE) | 11.4818% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.4818% | 374 |
| Net charge-offs to loans | 0.0196% | 2,852 |
| Credit loss provision to net charge-offs | 1,650.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 145.9500% | 512 |
| Efficiency ratio | 44.9401% | 5,492 |
| Assets per employee ($millions) | 6.6098% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0018% | 599 |
| Loan loss allowance to noncurrent loans | 2,747.6821% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 4,757 |
| Noncurrent loans to loans | 0.0729% | 4,839 |
| Net loans and leases to total assets | 79.8168% | 984 |
| Net loans and leases to deposits | 91.2493% | 1,575 |
| Net loans and leases to core deposits | 142.5353% | 171 |
| Total domestic deposits to total assets | 87.4711% | 1,738 |
| Equity capital to assets | 11.5706% | 2,253 |
| Core capital (leverage) ratio | 11.7571% | 1,792 |
| Tier 1 risk-based capital ratio | 12.1950% | 4,493 |
| Total risk-based capital ratio | 13.4510% | 4,375 |
| Memoranda: | ||
| Average total assets | $495,414,000 | 1,429 |
| Average earning assets | $462,442,330 | 1,421 |
| Average equity | $57,151,330 | 1,385 |
| Average total loans | $409,117,670 | 1,227 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 791 |
| Cost of funding earning assets | 0.4759% | 2,296 |
| Net interest margin | 4.3005% | 785 |
| Noninterest income to average assets | 0.3487% | 4,054 |
| Noninterest expense to average assets | 2.0039% | 5,043 |
| Loan and lease loss provision to assets | 0.2701% | 538 |
| Net operating income to assets | 1.3278% | 1,171 |
| Return on assets (ROA) | 1.3278% | 1,203 |
| Pretax return on assets | 2.0768% | 431 |
| Return on Equity (ROE) | 11.5276% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.5276% | 530 |
| Net charge-offs to loans | 0.0325% | 2,123 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 86.8788% | 618 |
| Efficiency ratio | 46.0583% | 5,525 |
| Assets per employee ($millions) | 6.8904% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 749 |
| Loan loss allowance to noncurrent loans | 2,215.2778% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 4,599 |
| Noncurrent loans to loans | 0.0873% | 4,845 |
| Net loans and leases to total assets | 81.5471% | 622 |
| Net loans and leases to deposits | 93.1993% | 1,199 |
| Net loans and leases to core deposits | 141.7449% | 156 |
| Total domestic deposits to total assets | 87.4976% | 1,989 |
| Equity capital to assets | 11.5166% | 2,170 |
| Core capital (leverage) ratio | 11.7614% | 1,781 |
| Tier 1 risk-based capital ratio | 12.2901% | 4,512 |
| Total risk-based capital ratio | 13.5458% | 4,415 |
| Memoranda: | ||
| Average total assets | $488,644,500 | 1,452 |
| Average earning assets | $454,735,000 | 1,443 |
| Average equity | $56,282,500 | 1,393 |
| Average total loans | $406,412,500 | 1,235 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,357 |
| Cost of funding earning assets | 0.4271% | 2,737 |
| Net interest margin | 4.1446% | 1,256 |
| Noninterest income to average assets | 0.3897% | 3,965 |
| Noninterest expense to average assets | 1.9972% | 5,197 |
| Loan and lease loss provision to assets | 0.1046% | 2,300 |
| Net operating income to assets | 1.3732% | 1,058 |
| Return on assets (ROA) | 1.3515% | 1,152 |
| Pretax return on assets | 2.1171% | 388 |
| Return on Equity (ROE) | 11.5106% | 1,398 |
| Retained earnings to average equity (ytd only) | 7.6260% | 990 |
| Net charge-offs to loans | 0.2181% | 1,269 |
| Credit loss provision to net charge-offs | 58.7879% | 3,269 |
| Earnings coverage of net charge-offs (x) | 12.6776% | 2,431 |
| Efficiency ratio | 46.9625% | 5,610 |
| Assets per employee ($millions) | 6.6830% | 1,059 |
| Cash dividends to net income (ytd only)* | 33.7482% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 778 |
| Loan loss allowance to noncurrent loans | 1,602.7140% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,466 |
| Noncurrent loans to loans | 0.1197% | 4,755 |
| Net loans and leases to total assets | 81.5933% | 656 |
| Net loans and leases to deposits | 93.6965% | 1,228 |
| Net loans and leases to core deposits | 137.9706% | 197 |
| Total domestic deposits to total assets | 87.0825% | 2,096 |
| Equity capital to assets | 11.5196% | 2,149 |
| Core capital (leverage) ratio | 11.6365% | 1,836 |
| Tier 1 risk-based capital ratio | 11.9705% | 4,749 |
| Total risk-based capital ratio | 13.2255% | 4,628 |
| Memoranda: | ||
| Average total assets | $463,705,600 | 1,470 |
| Average earning assets | $432,204,600 | 1,464 |
| Average equity | $54,445,400 | 1,412 |
| Average total loans | $378,202,400 | 1,254 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 1,373 |
| Cost of funding earning assets | 0.4204% | 2,838 |
| Net interest margin | 4.1446% | 1,269 |
| Noninterest income to average assets | 0.3829% | 4,043 |
| Noninterest expense to average assets | 2.0043% | 5,192 |
| Loan and lease loss provision to assets | 0.0392% | 3,457 |
| Net operating income to assets | 1.4185% | 1,033 |
| Return on assets (ROA) | 1.4185% | 1,084 |
| Pretax return on assets | 2.2141% | 374 |
| Return on Equity (ROE) | 12.0220% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.0220% | 301 |
| Net charge-offs to loans | 0.1159% | 1,791 |
| Credit loss provision to net charge-offs | 41.6667% | 3,137 |
| Earnings coverage of net charge-offs (x) | 23.9598% | 1,695 |
| Efficiency ratio | 47.0753% | 5,628 |
| Assets per employee ($millions) | 6.6902% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0376% | 683 |
| Loan loss allowance to noncurrent loans | 616.3780% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 3,979 |
| Noncurrent loans to loans | 0.3306% | 4,074 |
| Net loans and leases to total assets | 78.1311% | 1,172 |
| Net loans and leases to deposits | 89.5983% | 1,809 |
| Net loans and leases to core deposits | 126.8273% | 353 |
| Total domestic deposits to total assets | 87.2015% | 1,802 |
| Equity capital to assets | 11.7478% | 2,303 |
| Core capital (leverage) ratio | 11.6669% | 1,915 |
| Tier 1 risk-based capital ratio | 12.6655% | 4,362 |
| Total risk-based capital ratio | 13.9217% | 4,264 |
| Memoranda: | ||
| Average total assets | $459,337,500 | 1,488 |
| Average earning assets | $429,435,250 | 1,476 |
| Average equity | $54,199,250 | 1,426 |
| Average total loans | $372,681,500 | 1,265 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 1,217 |
| Cost of funding earning assets | 0.4138% | 2,898 |
| Net interest margin | 4.2119% | 1,092 |
| Noninterest income to average assets | 0.3930% | 3,923 |
| Noninterest expense to average assets | 1.9695% | 5,336 |
| Loan and lease loss provision to assets | 0.0398% | 3,359 |
| Net operating income to assets | 1.4752% | 932 |
| Return on assets (ROA) | 1.4752% | 982 |
| Pretax return on assets | 2.3170% | 295 |
| Return on Equity (ROE) | 12.4825% | 1,162 |
| Retained earnings to average equity (ytd only) | 12.4825% | 273 |
| Net charge-offs to loans | 0.0575% | 2,363 |
| Credit loss provision to net charge-offs | 84.9057% | 2,319 |
| Earnings coverage of net charge-offs (x) | 50.2358% | 994 |
| Efficiency ratio | 45.5243% | 5,772 |
| Assets per employee ($millions) | 6.0637% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1269% | 597 |
| Loan loss allowance to noncurrent loans | 3,636.8182% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 4,905 |
| Noncurrent loans to loans | 0.0585% | 5,216 |
| Net loans and leases to total assets | 80.9572% | 761 |
| Net loans and leases to deposits | 93.3313% | 1,363 |
| Net loans and leases to core deposits | 132.2683% | 271 |
| Total domestic deposits to total assets | 86.7418% | 2,041 |
| Equity capital to assets | 12.1113% | 2,044 |
| Core capital (leverage) ratio | 12.0800% | 1,570 |
| Tier 1 risk-based capital ratio | 12.7206% | 4,374 |
| Total risk-based capital ratio | 13.9781% | 4,274 |
| Memoranda: | ||
| Average total assets | $451,884,330 | 1,517 |
| Average earning assets | $421,990,330 | 1,500 |
| Average equity | $53,402,670 | 1,445 |
| Average total loans | $368,847,670 | 1,271 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 1,192 |
| Cost of funding earning assets | 0.3963% | 3,115 |
| Net interest margin | 4.2306% | 1,035 |
| Noninterest income to average assets | 0.3943% | 3,873 |
| Noninterest expense to average assets | 2.0176% | 5,293 |
| Loan and lease loss provision to assets | 0.0400% | 3,117 |
| Net operating income to assets | 1.4564% | 926 |
| Return on assets (ROA) | 1.4564% | 970 |
| Pretax return on assets | 2.2805% | 328 |
| Return on Equity (ROE) | 12.4800% | 1,161 |
| Retained earnings to average equity (ytd only) | 12.4800% | 439 |
| Net charge-offs to loans | 0.0756% | 1,731 |
| Credit loss provision to net charge-offs | 65.2174% | 1,938 |
| Earnings coverage of net charge-offs (x) | 37.8696% | 1,048 |
| Efficiency ratio | 46.5097% | 5,790 |
| Assets per employee ($millions) | 6.2786% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 624 |
| Loan loss allowance to noncurrent loans | 6,773.7288% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 4,889 |
| Noncurrent loans to loans | 0.0319% | 5,364 |
| Net loans and leases to total assets | 78.8744% | 968 |
| Net loans and leases to deposits | 90.4692% | 1,520 |
| Net loans and leases to core deposits | 127.6286% | 310 |
| Total domestic deposits to total assets | 87.1838% | 2,111 |
| Equity capital to assets | 11.6486% | 2,289 |
| Core capital (leverage) ratio | 11.9240% | 1,660 |
| Tier 1 risk-based capital ratio | 12.8404% | 4,364 |
| Total risk-based capital ratio | 14.0989% | 4,266 |
| Memoranda: | ||
| Average total assets | $450,436,000 | 1,525 |
| Average earning assets | $419,890,500 | 1,509 |
| Average equity | $52,564,000 | 1,465 |
| Average total loans | $365,182,000 | 1,284 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,335 |
| Cost of funding earning assets | 0.3948% | 3,212 |
| Net interest margin | 4.2023% | 1,168 |
| Noninterest income to average assets | 0.4193% | 3,901 |
| Noninterest expense to average assets | 2.0195% | 5,421 |
| Loan and lease loss provision to assets | 0.2601% | 723 |
| Net operating income to assets | 1.3208% | 1,220 |
| Return on assets (ROA) | 1.3208% | 1,265 |
| Pretax return on assets | 2.0548% | 481 |
| Return on Equity (ROE) | 11.3622% | 1,480 |
| Retained earnings to average equity (ytd only) | 7.5392% | 1,083 |
| Net charge-offs to loans | -0.0221% | 5,297 |
| Credit loss provision to net charge-offs | -1,467.5325% | 5,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5937% | 5,897 |
| Assets per employee ($millions) | 6.2328% | 1,236 |
| Cash dividends to net income (ytd only)* | 33.6470% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 577 |
| Loan loss allowance to noncurrent loans | 4,661.0465% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 4,921 |
| Noncurrent loans to loans | 0.0477% | 5,328 |
| Net loans and leases to total assets | 79.7323% | 875 |
| Net loans and leases to deposits | 91.9429% | 1,411 |
| Net loans and leases to core deposits | 129.9958% | 271 |
| Total domestic deposits to total assets | 86.7194% | 2,265 |
| Equity capital to assets | 11.6914% | 2,202 |
| Core capital (leverage) ratio | 11.7341% | 1,792 |
| Tier 1 risk-based capital ratio | 12.7813% | 4,464 |
| Total risk-based capital ratio | 14.0404% | 4,356 |
| Memoranda: | ||
| Average total assets | $434,504,200 | 1,531 |
| Average earning assets | $404,797,800 | 1,517 |
| Average equity | $50,509,600 | 1,473 |
| Average total loans | $348,598,000 | 1,293 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,342 |
| Cost of funding earning assets | 0.3992% | 3,232 |
| Net interest margin | 4.1964% | 1,175 |
| Noninterest income to average assets | 0.4217% | 3,926 |
| Noninterest expense to average assets | 1.9906% | 5,495 |
| Loan and lease loss provision to assets | 0.3237% | 430 |
| Net operating income to assets | 1.2997% | 1,345 |
| Return on assets (ROA) | 1.2997% | 1,399 |
| Pretax return on assets | 2.0192% | 578 |
| Return on Equity (ROE) | 11.1970% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.1970% | 447 |
| Net charge-offs to loans | -0.0255% | 5,285 |
| Credit loss provision to net charge-offs | -1,590.9091% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9344% | 5,965 |
| Assets per employee ($millions) | 6.4633% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2511% | 615 |
| Loan loss allowance to noncurrent loans | 3,669.4444% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 4,869 |
| Noncurrent loans to loans | 0.0613% | 5,372 |
| Net loans and leases to total assets | 77.1734% | 1,227 |
| Net loans and leases to deposits | 88.6200% | 1,819 |
| Net loans and leases to core deposits | 125.9671% | 337 |
| Total domestic deposits to total assets | 87.0835% | 1,992 |
| Equity capital to assets | 11.7169% | 2,335 |
| Core capital (leverage) ratio | 11.4350% | 2,095 |
| Tier 1 risk-based capital ratio | 13.3935% | 4,200 |
| Total risk-based capital ratio | 14.6535% | 4,118 |
| Memoranda: | ||
| Average total assets | $432,497,250 | 1,550 |
| Average earning assets | $403,163,500 | 1,533 |
| Average equity | $50,202,500 | 1,487 |
| Average total loans | $345,533,000 | 1,306 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,244 |
| Cost of funding earning assets | 0.4036% | 3,239 |
| Net interest margin | 4.2127% | 1,083 |
| Noninterest income to average assets | 0.4341% | 3,823 |
| Noninterest expense to average assets | 1.9677% | 5,594 |
| Loan and lease loss provision to assets | 0.3505% | 380 |
| Net operating income to assets | 1.3103% | 1,293 |
| Return on assets (ROA) | 1.3103% | 1,348 |
| Pretax return on assets | 2.0369% | 559 |
| Return on Equity (ROE) | 11.3250% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.3250% | 466 |
| Net charge-offs to loans | -0.0379% | 5,427 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1824% | 6,069 |
| Assets per employee ($millions) | 6.0970% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1630% | 773 |
| Loan loss allowance to noncurrent loans | 1,455.1527% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 5,139 |
| Noncurrent loans to loans | 0.1486% | 5,156 |
| Net loans and leases to total assets | 79.6745% | 845 |
| Net loans and leases to deposits | 92.7829% | 1,273 |
| Net loans and leases to core deposits | 132.8251% | 231 |
| Total domestic deposits to total assets | 85.8720% | 2,760 |
| Equity capital to assets | 11.7382% | 2,213 |
| Core capital (leverage) ratio | 11.8133% | 1,765 |
| Tier 1 risk-based capital ratio | 12.7843% | 4,630 |
| Total risk-based capital ratio | 14.0427% | 4,540 |
| Memoranda: | ||
| Average total assets | $428,006,000 | 1,575 |
| Average earning assets | $398,370,000 | 1,555 |
| Average equity | $49,518,670 | 1,515 |
| Average total loans | $343,345,000 | 1,319 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,237 |
| Cost of funding earning assets | 0.4129% | 3,159 |
| Net interest margin | 4.1815% | 1,108 |
| Noninterest income to average assets | 0.4342% | 3,737 |
| Noninterest expense to average assets | 1.9005% | 5,756 |
| Loan and lease loss provision to assets | 0.4230% | 260 |
| Net operating income to assets | 1.2924% | 1,299 |
| Return on assets (ROA) | 1.2924% | 1,381 |
| Pretax return on assets | 2.0039% | 580 |
| Return on Equity (ROE) | 11.2540% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.2540% | 680 |
| Net charge-offs to loans | -0.0461% | 5,478 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9183% | 6,182 |
| Assets per employee ($millions) | 6.1489% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1320% | 880 |
| Loan loss allowance to noncurrent loans | 1,390.2857% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 4,979 |
| Noncurrent loans to loans | 0.1533% | 5,227 |
| Net loans and leases to total assets | 77.8446% | 954 |
| Net loans and leases to deposits | 89.0163% | 1,503 |
| Net loans and leases to core deposits | 130.7591% | 235 |
| Total domestic deposits to total assets | 87.4498% | 2,140 |
| Equity capital to assets | 11.5219% | 2,445 |
| Core capital (leverage) ratio | 11.4608% | 2,032 |
| Tier 1 risk-based capital ratio | 12.9951% | 4,609 |
| Total risk-based capital ratio | 14.2537% | 4,520 |
| Memoranda: | ||
| Average total assets | $425,566,500 | 1,590 |
| Average earning assets | $396,223,000 | 1,575 |
| Average equity | $48,871,500 | 1,540 |
| Average total loans | $338,755,500 | 1,331 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,542 |
| Cost of funding earning assets | 0.4501% | 3,171 |
| Net interest margin | 4.1557% | 1,415 |
| Noninterest income to average assets | 0.5201% | 3,360 |
| Noninterest expense to average assets | 2.0177% | 5,731 |
| Loan and lease loss provision to assets | 0.4784% | 328 |
| Net operating income to assets | 1.2189% | 1,531 |
| Return on assets (ROA) | 1.2189% | 1,582 |
| Pretax return on assets | 1.8788% | 669 |
| Return on Equity (ROE) | 10.5770% | 1,868 |
| Retained earnings to average equity (ytd only) | 7.1074% | 1,351 |
| Net charge-offs to loans | 0.2364% | 1,788 |
| Credit loss provision to net charge-offs | 268.9655% | 953 |
| Earnings coverage of net charge-offs (x) | 13.2538% | 2,288 |
| Efficiency ratio | 46.1198% | 6,261 |
| Assets per employee ($millions) | 6.0972% | 1,314 |
| Cash dividends to net income (ytd only)* | 32.8034% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 1,053 |
| Loan loss allowance to noncurrent loans | 817.4070% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 5,045 |
| Noncurrent loans to loans | 0.2485% | 4,940 |
| Net loans and leases to total assets | 78.0447% | 993 |
| Net loans and leases to deposits | 89.5077% | 1,564 |
| Net loans and leases to core deposits | 132.4061% | 220 |
| Total domestic deposits to total assets | 87.1933% | 2,171 |
| Equity capital to assets | 11.4449% | 2,479 |
| Core capital (leverage) ratio | 11.6394% | 1,876 |
| Tier 1 risk-based capital ratio | 13.2269% | 4,571 |
| Total risk-based capital ratio | 14.4836% | 4,492 |
| Memoranda: | ||
| Average total assets | $407,650,600 | 1,620 |
| Average earning assets | $378,134,400 | 1,601 |
| Average equity | $46,979,400 | 1,536 |
| Average total loans | $306,662,200 | 1,399 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 1,554 |
| Cost of funding earning assets | 0.4545% | 3,193 |
| Net interest margin | 4.1479% | 1,439 |
| Noninterest income to average assets | 0.5579% | 3,148 |
| Noninterest expense to average assets | 1.9750% | 5,804 |
| Loan and lease loss provision to assets | 0.4451% | 353 |
| Net operating income to assets | 1.2882% | 1,399 |
| Return on assets (ROA) | 1.2882% | 1,455 |
| Pretax return on assets | 1.9865% | 587 |
| Return on Equity (ROE) | 11.1578% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.1578% | 491 |
| Net charge-offs to loans | 0.3254% | 1,232 |
| Credit loss provision to net charge-offs | 184.6785% | 1,355 |
| Earnings coverage of net charge-offs (x) | 10.0889% | 2,586 |
| Efficiency ratio | 44.8186% | 6,333 |
| Assets per employee ($millions) | 5.9301% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 1,315 |
| Loan loss allowance to noncurrent loans | 620.3000% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 5,030 |
| Noncurrent loans to loans | 0.3171% | 4,955 |
| Net loans and leases to total assets | 75.5509% | 1,275 |
| Net loans and leases to deposits | 87.2850% | 1,754 |
| Net loans and leases to core deposits | 126.9090% | 269 |
| Total domestic deposits to total assets | 86.5565% | 2,553 |
| Equity capital to assets | 11.9148% | 2,134 |
| Core capital (leverage) ratio | 11.4973% | 2,068 |
| Tier 1 risk-based capital ratio | 13.9610% | 4,247 |
| Total risk-based capital ratio | 15.2177% | 4,179 |
| Memoranda: | ||
| Average total assets | $404,385,750 | 1,644 |
| Average earning assets | $375,220,750 | 1,623 |
| Average equity | $46,686,750 | 1,546 |
| Average total loans | $299,540,000 | 1,434 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6011% | 1,530 |
| Cost of funding earning assets | 0.4509% | 3,321 |
| Net interest margin | 4.1501% | 1,382 |
| Noninterest income to average assets | 0.6207% | 2,707 |
| Noninterest expense to average assets | 2.0616% | 5,706 |
| Loan and lease loss provision to assets | 0.4469% | 362 |
| Net operating income to assets | 1.2692% | 1,397 |
| Return on assets (ROA) | 1.2692% | 1,452 |
| Pretax return on assets | 1.9554% | 615 |
| Return on Equity (ROE) | 11.1135% | 1,708 |
| Retained earnings to average equity (ytd only) | 11.1135% | 525 |
| Net charge-offs to loans | 0.3833% | 1,049 |
| Credit loss provision to net charge-offs | 159.5745% | 1,401 |
| Earnings coverage of net charge-offs (x) | 8.5780% | 2,473 |
| Efficiency ratio | 46.1846% | 6,356 |
| Assets per employee ($millions) | 5.9325% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 1,566 |
| Loan loss allowance to noncurrent loans | 539.6536% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 4,713 |
| Noncurrent loans to loans | 0.3537% | 4,937 |
| Net loans and leases to total assets | 75.4067% | 1,248 |
| Net loans and leases to deposits | 86.9938% | 1,709 |
| Net loans and leases to core deposits | 126.9601% | 256 |
| Total domestic deposits to total assets | 86.6806% | 2,648 |
| Equity capital to assets | 11.7558% | 2,199 |
| Core capital (leverage) ratio | 11.7441% | 1,826 |
| Tier 1 risk-based capital ratio | 13.6560% | 4,484 |
| Total risk-based capital ratio | 14.9083% | 4,430 |
| Memoranda: | ||
| Average total assets | $402,787,670 | 1,651 |
| Average earning assets | $372,999,670 | 1,630 |
| Average equity | $45,998,000 | 1,559 |
| Average total loans | $294,272,670 | 1,454 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,113 |
| Cost of funding earning assets | 0.4378% | 3,563 |
| Net interest margin | 3.9682% | 1,862 |
| Noninterest income to average assets | 0.7116% | 2,114 |
| Noninterest expense to average assets | 2.0503% | 5,787 |
| Loan and lease loss provision to assets | 0.4472% | 356 |
| Net operating income to assets | 1.2294% | 1,401 |
| Return on assets (ROA) | 1.2294% | 1,455 |
| Pretax return on assets | 1.8893% | 666 |
| Return on Equity (ROE) | 10.9264% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.9264% | 758 |
| Net charge-offs to loans | 0.3031% | 1,155 |
| Credit loss provision to net charge-offs | 207.3733% | 1,008 |
| Earnings coverage of net charge-offs (x) | 10.8341% | 1,828 |
| Efficiency ratio | 46.7377% | 6,402 |
| Assets per employee ($millions) | 6.0081% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 1,467 |
| Loan loss allowance to noncurrent loans | 106.9695% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.4762% | 2,397 |
| Noncurrent loans to loans | 1.8906% | 2,010 |
| Net loans and leases to total assets | 68.9805% | 2,063 |
| Net loans and leases to deposits | 79.4101% | 2,379 |
| Net loans and leases to core deposits | 113.7793% | 470 |
| Total domestic deposits to total assets | 86.8662% | 2,896 |
| Equity capital to assets | 11.2491% | 2,479 |
| Core capital (leverage) ratio | 11.3741% | 2,073 |
| Tier 1 risk-based capital ratio | 14.1729% | 4,210 |
| Total risk-based capital ratio | 15.4299% | 4,153 |
| Memoranda: | ||
| Average total assets | $402,476,000 | 1,662 |
| Average earning assets | $372,764,000 | 1,638 |
| Average equity | $45,285,000 | 1,575 |
| Average total loans | $286,349,500 | 1,499 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,290 |
| Cost of funding earning assets | 0.4874% | 3,739 |
| Net interest margin | 4.3238% | 1,050 |
| Noninterest income to average assets | 0.5382% | 3,491 |
| Noninterest expense to average assets | 2.0955% | 5,840 |
| Loan and lease loss provision to assets | 0.5598% | 468 |
| Net operating income to assets | 1.2356% | 1,434 |
| Return on assets (ROA) | 1.2351% | 1,497 |
| Pretax return on assets | 1.8886% | 619 |
| Return on Equity (ROE) | 11.0991% | 1,732 |
| Retained earnings to average equity (ytd only) | 7.6052% | 1,192 |
| Net charge-offs to loans | 0.4706% | 1,418 |
| Credit loss provision to net charge-offs | 168.3244% | 1,353 |
| Earnings coverage of net charge-offs (x) | 7.3642% | 2,858 |
| Efficiency ratio | 46.1086% | 6,552 |
| Assets per employee ($millions) | 6.0061% | 1,269 |
| Cash dividends to net income (ytd only)* | 31.4792% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 1,648 |
| Loan loss allowance to noncurrent loans | 99.1127% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 2,351 |
| Noncurrent loans to loans | 1.9768% | 2,016 |
| Net loans and leases to total assets | 70.5034% | 1,935 |
| Net loans and leases to deposits | 81.3010% | 2,279 |
| Net loans and leases to core deposits | 100.2925% | 1,134 |
| Total domestic deposits to total assets | 86.7190% | 2,867 |
| Equity capital to assets | 11.2542% | 2,379 |
| Core capital (leverage) ratio | 10.7776% | 2,594 |
| Tier 1 risk-based capital ratio | 14.1697% | 4,172 |
| Total risk-based capital ratio | 15.4217% | 4,118 |
| Memoranda: | ||
| Average total assets | $392,992,000 | 1,680 |
| Average earning assets | $364,145,600 | 1,654 |
| Average equity | $43,733,200 | 1,597 |
| Average total loans | $277,741,200 | 1,519 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 1,511 |
| Cost of funding earning assets | 0.4979% | 3,787 |
| Net interest margin | 4.2374% | 1,228 |
| Noninterest income to average assets | 0.5341% | 3,565 |
| Noninterest expense to average assets | 1.9812% | 6,047 |
| Loan and lease loss provision to assets | 0.5270% | 513 |
| Net operating income to assets | 1.2767% | 1,409 |
| Return on assets (ROA) | 1.2767% | 1,479 |
| Pretax return on assets | 1.9584% | 635 |
| Return on Equity (ROE) | 11.5057% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.5057% | 501 |
| Net charge-offs to loans | 0.5712% | 1,105 |
| Credit loss provision to net charge-offs | 131.1337% | 1,802 |
| Earnings coverage of net charge-offs (x) | 6.1844% | 3,021 |
| Efficiency ratio | 44.3556% | 6,644 |
| Assets per employee ($millions) | 6.0100% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 2,460 |
| Loan loss allowance to noncurrent loans | 112.1703% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 3,196 |
| Noncurrent loans to loans | 1.5585% | 2,827 |
| Net loans and leases to total assets | 70.6257% | 1,847 |
| Net loans and leases to deposits | 80.9326% | 2,272 |
| Net loans and leases to core deposits | 97.0373% | 1,315 |
| Total domestic deposits to total assets | 87.2648% | 2,524 |
| Equity capital to assets | 11.2039% | 2,562 |
| Core capital (leverage) ratio | 10.9675% | 2,513 |
| Tier 1 risk-based capital ratio | 14.5430% | 4,050 |
| Total risk-based capital ratio | 15.7980% | 3,997 |
| Memoranda: | ||
| Average total assets | $392,139,500 | 1,693 |
| Average earning assets | $363,927,500 | 1,665 |
| Average equity | $43,513,500 | 1,616 |
| Average total loans | $275,911,000 | 1,531 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 1,347 |
| Cost of funding earning assets | 0.5178% | 3,727 |
| Net interest margin | 4.2725% | 1,086 |
| Noninterest income to average assets | 0.4189% | 4,385 |
| Noninterest expense to average assets | 1.9906% | 6,068 |
| Loan and lease loss provision to assets | 0.5661% | 458 |
| Net operating income to assets | 1.1914% | 1,611 |
| Return on assets (ROA) | 1.1914% | 1,724 |
| Pretax return on assets | 1.8156% | 900 |
| Return on Equity (ROE) | 10.7725% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.7725% | 687 |
| Net charge-offs to loans | 0.5556% | 1,183 |
| Credit loss provision to net charge-offs | 145.8886% | 1,573 |
| Earnings coverage of net charge-offs (x) | 6.1379% | 2,769 |
| Efficiency ratio | 45.5273% | 6,660 |
| Assets per employee ($millions) | 5.5189% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 2,468 |
| Loan loss allowance to noncurrent loans | 104.9812% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.4007% | 3,010 |
| Noncurrent loans to loans | 1.7040% | 2,754 |
| Net loans and leases to total assets | 72.6208% | 1,458 |
| Net loans and leases to deposits | 83.6706% | 1,841 |
| Net loans and leases to core deposits | 103.8835% | 846 |
| Total domestic deposits to total assets | 86.7937% | 2,945 |
| Equity capital to assets | 11.5296% | 2,268 |
| Core capital (leverage) ratio | 11.1833% | 2,186 |
| Tier 1 risk-based capital ratio | 14.6013% | 4,031 |
| Total risk-based capital ratio | 15.8583% | 3,988 |
| Memoranda: | ||
| Average total assets | $388,628,670 | 1,707 |
| Average earning assets | $359,601,000 | 1,684 |
| Average equity | $42,979,670 | 1,640 |
| Average total loans | $271,398,000 | 1,551 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,482 |
| Cost of funding earning assets | 0.5272% | 3,813 |
| Net interest margin | 4.1923% | 1,210 |
| Noninterest income to average assets | 0.4810% | 3,913 |
| Noninterest expense to average assets | 1.8658% | 6,342 |
| Loan and lease loss provision to assets | 0.4586% | 613 |
| Net operating income to assets | 1.3196% | 1,230 |
| Return on assets (ROA) | 1.3196% | 1,332 |
| Pretax return on assets | 2.0299% | 562 |
| Return on Equity (ROE) | 12.1834% | 1,371 |
| Retained earnings to average equity (ytd only) | 12.1834% | 675 |
| Net charge-offs to loans | 0.4146% | 1,415 |
| Credit loss provision to net charge-offs | 163.0435% | 1,286 |
| Earnings coverage of net charge-offs (x) | 8.8478% | 1,907 |
| Efficiency ratio | 42.8505% | 6,811 |
| Assets per employee ($millions) | 5.7403% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 2,636 |
| Loan loss allowance to noncurrent loans | 100.5789% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.5499% | 2,943 |
| Noncurrent loans to loans | 1.7854% | 2,886 |
| Net loans and leases to total assets | 68.1600% | 1,977 |
| Net loans and leases to deposits | 78.1267% | 2,320 |
| Net loans and leases to core deposits | 97.2459% | 1,130 |
| Total domestic deposits to total assets | 87.2429% | 2,798 |
| Equity capital to assets | 11.0573% | 2,899 |
| Core capital (leverage) ratio | 10.8386% | 2,417 |
| Tier 1 risk-based capital ratio | 14.7173% | 4,024 |
| Total risk-based capital ratio | 15.9729% | 3,991 |
| Memoranda: | ||
| Average total assets | $392,541,000 | 1,700 |
| Average earning assets | $362,661,500 | 1,686 |
| Average equity | $42,517,000 | 1,681 |
| Average total loans | $266,307,000 | 1,581 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 1,786 |
| Cost of funding earning assets | 0.7023% | 3,476 |
| Net interest margin | 4.2137% | 1,623 |
| Noninterest income to average assets | 0.5562% | 3,532 |
| Noninterest expense to average assets | 2.1938% | 5,934 |
| Loan and lease loss provision to assets | 0.6060% | 905 |
| Net operating income to assets | 1.0906% | 1,971 |
| Return on assets (ROA) | 1.0913% | 2,154 |
| Pretax return on assets | 1.6417% | 1,278 |
| Return on Equity (ROE) | 10.2979% | 2,048 |
| Retained earnings to average equity (ytd only) | 7.6662% | 1,251 |
| Net charge-offs to loans | 1.0045% | 1,084 |
| Credit loss provision to net charge-offs | 87.6366% | 3,566 |
| Earnings coverage of net charge-offs (x) | 3.2492% | 3,802 |
| Efficiency ratio | 49.4042% | 6,628 |
| Assets per employee ($millions) | 5.8050% | 1,424 |
| Cash dividends to net income (ytd only)* | 25.5553% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 2,609 |
| Loan loss allowance to noncurrent loans | 88.0278% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.7713% | 2,752 |
| Noncurrent loans to loans | 2.0363% | 2,658 |
| Net loans and leases to total assets | 65.1064% | 2,694 |
| Net loans and leases to deposits | 74.4274% | 3,034 |
| Net loans and leases to core deposits | 92.4754% | 1,596 |
| Total domestic deposits to total assets | 87.4764% | 2,542 |
| Equity capital to assets | 10.6077% | 3,392 |
| Core capital (leverage) ratio | 10.3568% | 2,937 |
| Tier 1 risk-based capital ratio | 14.7555% | 3,862 |
| Total risk-based capital ratio | 16.0109% | 3,810 |
| Memoranda: | ||
| Average total assets | $383,676,400 | 1,701 |
| Average earning assets | $353,677,200 | 1,687 |
| Average equity | $40,658,800 | 1,715 |
| Average total loans | $264,100,400 | 1,568 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 1,718 |
| Cost of funding earning assets | 0.7298% | 3,518 |
| Net interest margin | 4.2573% | 1,582 |
| Noninterest income to average assets | 0.5755% | 3,440 |
| Noninterest expense to average assets | 2.1173% | 6,130 |
| Loan and lease loss provision to assets | 0.6563% | 798 |
| Net operating income to assets | 1.1440% | 1,932 |
| Return on assets (ROA) | 1.1449% | 2,118 |
| Pretax return on assets | 1.7295% | 1,205 |
| Return on Equity (ROE) | 10.8071% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.8071% | 718 |
| Net charge-offs to loans | 0.9681% | 1,100 |
| Credit loss provision to net charge-offs | 97.5546% | 3,069 |
| Earnings coverage of net charge-offs (x) | 3.5442% | 3,601 |
| Efficiency ratio | 47.0337% | 6,769 |
| Assets per employee ($millions) | 5.8291% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8936% | 2,498 |
| Loan loss allowance to noncurrent loans | 75.7580% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 2.0014% | 2,636 |
| Noncurrent loans to loans | 2.4996% | 2,296 |
| Net loans and leases to total assets | 64.9859% | 2,842 |
| Net loans and leases to deposits | 74.9538% | 3,150 |
| Net loans and leases to core deposits | 92.7307% | 1,705 |
| Total domestic deposits to total assets | 86.7013% | 2,851 |
| Equity capital to assets | 10.6126% | 3,718 |
| Core capital (leverage) ratio | 10.1504% | 3,347 |
| Tier 1 risk-based capital ratio | 14.7511% | 4,014 |
| Total risk-based capital ratio | 16.0076% | 3,968 |
| Memoranda: | ||
| Average total assets | $380,909,750 | 1,728 |
| Average earning assets | $351,297,000 | 1,717 |
| Average equity | $40,355,250 | 1,744 |
| Average total loans | $264,702,000 | 1,578 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 1,393 |
| Cost of funding earning assets | 0.7615% | 3,507 |
| Net interest margin | 4.3823% | 1,253 |
| Noninterest income to average assets | 0.5232% | 3,759 |
| Noninterest expense to average assets | 2.2142% | 5,960 |
| Loan and lease loss provision to assets | 0.6520% | 868 |
| Net operating income to assets | 1.1167% | 1,991 |
| Return on assets (ROA) | 1.1167% | 2,201 |
| Pretax return on assets | 1.6820% | 1,309 |
| Return on Equity (ROE) | 10.5467% | 2,153 |
| Retained earnings to average equity (ytd only) | 10.5467% | 840 |
| Net charge-offs to loans | 1.3993% | 732 |
| Credit loss provision to net charge-offs | 65.9666% | 3,661 |
| Earnings coverage of net charge-offs (x) | 2.3613% | 3,824 |
| Efficiency ratio | 48.6834% | 6,729 |
| Assets per employee ($millions) | 5.6217% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 3,247 |
| Loan loss allowance to noncurrent loans | 76.5352% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.9466% | 2,851 |
| Noncurrent loans to loans | 2.2122% | 2,701 |
| Net loans and leases to total assets | 67.6266% | 2,339 |
| Net loans and leases to deposits | 78.0713% | 2,657 |
| Net loans and leases to core deposits | 100.5328% | 1,061 |
| Total domestic deposits to total assets | 86.6216% | 2,997 |
| Equity capital to assets | 10.8562% | 3,283 |
| Core capital (leverage) ratio | 10.6552% | 2,657 |
| Tier 1 risk-based capital ratio | 14.3301% | 4,223 |
| Total risk-based capital ratio | 15.5768% | 4,187 |
| Memoranda: | ||
| Average total assets | $375,753,670 | 1,754 |
| Average earning assets | $345,114,000 | 1,749 |
| Average equity | $39,785,000 | 1,751 |
| Average total loans | $265,415,330 | 1,571 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3689% | 962 |
| Cost of funding earning assets | 0.7891% | 3,554 |
| Net interest margin | 4.5798% | 857 |
| Noninterest income to average assets | 0.5830% | 3,336 |
| Noninterest expense to average assets | 2.1721% | 6,109 |
| Loan and lease loss provision to assets | 1.0392% | 393 |
| Net operating income to assets | 1.0487% | 2,292 |
| Return on assets (ROA) | 1.0487% | 2,479 |
| Pretax return on assets | 1.5721% | 1,663 |
| Return on Equity (ROE) | 10.0325% | 2,397 |
| Retained earnings to average equity (ytd only) | 10.0325% | 1,261 |
| Net charge-offs to loans | 0.9755% | 1,065 |
| Credit loss provision to net charge-offs | 148.8550% | 1,680 |
| Earnings coverage of net charge-offs (x) | 3.7405% | 2,767 |
| Efficiency ratio | 45.4100% | 6,932 |
| Assets per employee ($millions) | 5.5322% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 2,278 |
| Loan loss allowance to noncurrent loans | 74.4008% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.3539% | 2,529 |
| Noncurrent loans to loans | 2.7246% | 2,393 |
| Net loans and leases to total assets | 68.5919% | 2,010 |
| Net loans and leases to deposits | 79.1563% | 2,323 |
| Net loans and leases to core deposits | 101.7412% | 874 |
| Total domestic deposits to total assets | 86.6538% | 3,144 |
| Equity capital to assets | 10.5497% | 3,429 |
| Core capital (leverage) ratio | 10.3268% | 2,958 |
| Tier 1 risk-based capital ratio | 13.8140% | 4,598 |
| Total risk-based capital ratio | 15.0615% | 4,576 |
| Memoranda: | ||
| Average total assets | $375,304,500 | 1,769 |
| Average earning assets | $344,207,500 | 1,755 |
| Average equity | $39,232,500 | 1,768 |
| Average total loans | $268,571,000 | 1,563 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 2,118 |
| Cost of funding earning assets | 0.9277% | 3,901 |
| Net interest margin | 4.2593% | 1,843 |
| Noninterest income to average assets | 0.3688% | 4,869 |
| Noninterest expense to average assets | 2.2551% | 6,155 |
| Loan and lease loss provision to assets | 0.7381% | 1,373 |
| Net operating income to assets | 0.8440% | 2,859 |
| Return on assets (ROA) | 0.8513% | 2,968 |
| Pretax return on assets | 1.2414% | 2,323 |
| Return on Equity (ROE) | 8.7991% | 2,544 |
| Retained earnings to average equity (ytd only) | 6.9574% | 1,524 |
| Net charge-offs to loans | 1.1214% | 1,528 |
| Credit loss provision to net charge-offs | 92.8641% | 3,884 |
| Earnings coverage of net charge-offs (x) | 2.4770% | 3,976 |
| Efficiency ratio | 53.3877% | 6,572 |
| Assets per employee ($millions) | 5.3488% | 1,780 |
| Cash dividends to net income (ytd only)* | 20.9309% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 2,766 |
| Loan loss allowance to noncurrent loans | 62.5109% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.6967% | 2,257 |
| Noncurrent loans to loans | 2.9328% | 2,221 |
| Net loans and leases to total assets | 71.7773% | 1,682 |
| Net loans and leases to deposits | 83.1548% | 2,048 |
| Net loans and leases to core deposits | 107.7021% | 717 |
| Total domestic deposits to total assets | 86.3177% | 3,132 |
| Equity capital to assets | 10.3568% | 3,705 |
| Core capital (leverage) ratio | 9.9190% | 3,428 |
| Tier 1 risk-based capital ratio | 12.9359% | 5,125 |
| Total risk-based capital ratio | 14.1859% | 5,101 |
| Memoranda: | ||
| Average total assets | $386,104,800 | 1,675 |
| Average earning assets | $349,474,000 | 1,693 |
| Average equity | $37,356,000 | 1,799 |
| Average total loans | $273,676,800 | 1,546 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 2,468 |
| Cost of funding earning assets | 0.9492% | 4,055 |
| Net interest margin | 4.1819% | 2,172 |
| Noninterest income to average assets | 0.3787% | 4,825 |
| Noninterest expense to average assets | 2.1904% | 6,297 |
| Loan and lease loss provision to assets | 0.7328% | 1,309 |
| Net operating income to assets | 0.8468% | 2,954 |
| Return on assets (ROA) | 0.8565% | 3,068 |
| Pretax return on assets | 1.2489% | 2,456 |
| Return on Equity (ROE) | 9.0051% | 2,595 |
| Retained earnings to average equity (ytd only) | 9.0051% | 1,144 |
| Net charge-offs to loans | 1.0899% | 1,460 |
| Credit loss provision to net charge-offs | 95.5744% | 3,581 |
| Earnings coverage of net charge-offs (x) | 2.5664% | 3,832 |
| Efficiency ratio | 52.6789% | 6,619 |
| Assets per employee ($millions) | 5.6202% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 2,681 |
| Loan loss allowance to noncurrent loans | 63.0552% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.5752% | 2,502 |
| Noncurrent loans to loans | 2.9781% | 2,323 |
| Net loans and leases to total assets | 68.2550% | 2,430 |
| Net loans and leases to deposits | 78.1691% | 2,951 |
| Net loans and leases to core deposits | 99.6146% | 1,283 |
| Total domestic deposits to total assets | 87.3171% | 2,464 |
| Equity capital to assets | 9.8022% | 4,616 |
| Core capital (leverage) ratio | 9.3344% | 4,406 |
| Tier 1 risk-based capital ratio | 12.7544% | 5,288 |
| Total risk-based capital ratio | 14.0104% | 5,268 |
| Memoranda: | ||
| Average total assets | $389,026,250 | 1,677 |
| Average earning assets | $351,573,250 | 1,690 |
| Average equity | $37,000,500 | 1,825 |
| Average total loans | $273,654,250 | 1,561 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1959% | 2,274 |
| Cost of funding earning assets | 0.9743% | 4,127 |
| Net interest margin | 4.2216% | 1,948 |
| Noninterest income to average assets | 0.3664% | 4,947 |
| Noninterest expense to average assets | 2.2278% | 6,307 |
| Loan and lease loss provision to assets | 0.7354% | 1,264 |
| Net operating income to assets | 0.8319% | 2,938 |
| Return on assets (ROA) | 0.8319% | 3,054 |
| Pretax return on assets | 1.2065% | 2,455 |
| Return on Equity (ROE) | 8.8378% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.8378% | 1,159 |
| Net charge-offs to loans | 0.6402% | 2,237 |
| Credit loss provision to net charge-offs | 162.6712% | 1,865 |
| Earnings coverage of net charge-offs (x) | 4.2957% | 2,904 |
| Efficiency ratio | 53.4282% | 6,674 |
| Assets per employee ($millions) | 5.5347% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 2,037 |
| Loan loss allowance to noncurrent loans | 237.2694% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 1.7015% | 3,640 |
| Noncurrent loans to loans | 0.9011% | 5,164 |
| Net loans and leases to total assets | 68.3687% | 2,544 |
| Net loans and leases to deposits | 78.2073% | 3,090 |
| Net loans and leases to core deposits | 102.0689% | 1,172 |
| Total domestic deposits to total assets | 87.4198% | 2,508 |
| Equity capital to assets | 9.6906% | 4,548 |
| Core capital (leverage) ratio | 9.5257% | 3,917 |
| Tier 1 risk-based capital ratio | 12.4751% | 5,372 |
| Total risk-based capital ratio | 13.7265% | 5,346 |
| Memoranda: | ||
| Average total assets | $387,564,000 | 1,693 |
| Average earning assets | $349,156,670 | 1,718 |
| Average equity | $36,479,670 | 1,834 |
| Average total loans | $273,651,330 | 1,583 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 2,457 |
| Cost of funding earning assets | 0.9899% | 4,271 |
| Net interest margin | 4.1543% | 2,067 |
| Noninterest income to average assets | 0.3932% | 4,759 |
| Noninterest expense to average assets | 2.3280% | 6,117 |
| Loan and lease loss provision to assets | 0.7357% | 1,154 |
| Net operating income to assets | 0.7646% | 3,194 |
| Return on assets (ROA) | 0.7646% | 3,266 |
| Pretax return on assets | 1.0928% | 2,782 |
| Return on Equity (ROE) | 8.2454% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.2454% | 1,638 |
| Net charge-offs to loans | 0.4521% | 2,343 |
| Credit loss provision to net charge-offs | 229.2605% | 1,334 |
| Earnings coverage of net charge-offs (x) | 5.6977% | 2,226 |
| Efficiency ratio | 56.0079% | 6,508 |
| Assets per employee ($millions) | 5.5868% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 2,235 |
| Loan loss allowance to noncurrent loans | 91.1736% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 2.6197% | 2,620 |
| Noncurrent loans to loans | 2.2756% | 3,226 |
| Net loans and leases to total assets | 68.0680% | 2,536 |
| Net loans and leases to deposits | 77.6439% | 3,129 |
| Net loans and leases to core deposits | 101.9556% | 1,204 |
| Total domestic deposits to total assets | 87.6669% | 2,572 |
| Equity capital to assets | 9.3122% | 4,704 |
| Core capital (leverage) ratio | 9.2254% | 4,250 |
| Tier 1 risk-based capital ratio | 12.2496% | 5,475 |
| Total risk-based capital ratio | 13.4979% | 5,478 |
| Memoranda: | ||
| Average total assets | $387,633,000 | 1,703 |
| Average earning assets | $351,150,000 | 1,711 |
| Average equity | $35,947,500 | 1,841 |
| Average total loans | $275,144,500 | 1,590 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 2,795 |
| Cost of funding earning assets | 1.2048% | 4,536 |
| Net interest margin | 4.1684% | 2,301 |
| Noninterest income to average assets | 0.4693% | 4,383 |
| Noninterest expense to average assets | 2.2526% | 6,474 |
| Loan and lease loss provision to assets | 1.1259% | 1,417 |
| Net operating income to assets | 0.6297% | 3,536 |
| Return on assets (ROA) | 0.6334% | 3,669 |
| Pretax return on assets | 0.8599% | 3,439 |
| Return on Equity (ROE) | 6.9001% | 3,168 |
| Retained earnings to average equity (ytd only) | 5.1815% | 2,322 |
| Net charge-offs to loans | 1.4532% | 1,524 |
| Credit loss provision to net charge-offs | 105.1143% | 4,265 |
| Earnings coverage of net charge-offs (x) | 1.8493% | 4,342 |
| Efficiency ratio | 53.2102% | 6,870 |
| Assets per employee ($millions) | 5.4884% | 1,594 |
| Cash dividends to net income (ytd only)* | 24.9064% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 2,611 |
| Loan loss allowance to noncurrent loans | 73.2690% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 3.0246% | 2,328 |
| Noncurrent loans to loans | 2.5674% | 2,963 |
| Net loans and leases to total assets | 71.1141% | 2,278 |
| Net loans and leases to deposits | 81.4695% | 2,912 |
| Net loans and leases to core deposits | 106.6460% | 1,144 |
| Total domestic deposits to total assets | 87.2893% | 2,675 |
| Equity capital to assets | 9.2343% | 4,780 |
| Core capital (leverage) ratio | 9.1077% | 4,348 |
| Tier 1 risk-based capital ratio | 11.9136% | 5,556 |
| Total risk-based capital ratio | 13.1637% | 5,537 |
| Memoranda: | ||
| Average total assets | $379,693,800 | 1,729 |
| Average earning assets | $342,864,400 | 1,744 |
| Average equity | $34,854,600 | 1,899 |
| Average total loans | $279,858,600 | 1,598 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 2,793 |
| Cost of funding earning assets | 1.2467% | 4,589 |
| Net interest margin | 4.1734% | 2,321 |
| Noninterest income to average assets | 0.4726% | 4,396 |
| Noninterest expense to average assets | 2.1875% | 6,640 |
| Loan and lease loss provision to assets | 1.3736% | 985 |
| Net operating income to assets | 0.5179% | 4,225 |
| Return on assets (ROA) | 0.5230% | 4,388 |
| Pretax return on assets | 0.6769% | 4,316 |
| Return on Equity (ROE) | 5.7061% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.7061% | 2,540 |
| Net charge-offs to loans | 1.8038% | 1,073 |
| Credit loss provision to net charge-offs | 102.8752% | 4,176 |
| Earnings coverage of net charge-offs (x) | 1.5307% | 4,577 |
| Efficiency ratio | 51.6980% | 7,010 |
| Assets per employee ($millions) | 5.4366% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8732% | 2,563 |
| Loan loss allowance to noncurrent loans | 65.2406% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 2.8993% | 2,501 |
| Noncurrent loans to loans | 2.8712% | 2,781 |
| Net loans and leases to total assets | 68.7753% | 3,036 |
| Net loans and leases to deposits | 78.9100% | 3,646 |
| Net loans and leases to core deposits | 104.3822% | 1,446 |
| Total domestic deposits to total assets | 87.1567% | 2,441 |
| Equity capital to assets | 9.1195% | 5,419 |
| Core capital (leverage) ratio | 8.6973% | 5,192 |
| Tier 1 risk-based capital ratio | 11.9443% | 5,514 |
| Total risk-based capital ratio | 13.1195% | 5,550 |
| Memoranda: | ||
| Average total assets | $378,570,250 | 1,764 |
| Average earning assets | $340,947,750 | 1,781 |
| Average equity | $34,699,000 | 1,932 |
| Average total loans | $280,210,750 | 1,616 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 2,620 |
| Cost of funding earning assets | 1.2782% | 4,664 |
| Net interest margin | 4.1995% | 2,158 |
| Noninterest income to average assets | 0.4660% | 4,390 |
| Noninterest expense to average assets | 2.3362% | 6,255 |
| Loan and lease loss provision to assets | 1.7634% | 699 |
| Net operating income to assets | 0.2164% | 5,503 |
| Return on assets (ROA) | 0.2164% | 5,634 |
| Pretax return on assets | 0.1603% | 5,862 |
| Return on Equity (ROE) | 2.3570% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.3570% | 4,659 |
| Net charge-offs to loans | 2.1916% | 818 |
| Credit loss provision to net charge-offs | 106.7270% | 3,825 |
| Earnings coverage of net charge-offs (x) | 1.1643% | 4,631 |
| Efficiency ratio | 54.8419% | 6,781 |
| Assets per employee ($millions) | 5.2412% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 2,471 |
| Loan loss allowance to noncurrent loans | 72.3881% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.8034% | 2,576 |
| Noncurrent loans to loans | 2.5972% | 3,042 |
| Net loans and leases to total assets | 72.4431% | 2,289 |
| Net loans and leases to deposits | 83.2179% | 3,028 |
| Net loans and leases to core deposits | 112.4537% | 1,006 |
| Total domestic deposits to total assets | 87.0523% | 2,502 |
| Equity capital to assets | 9.1108% | 5,280 |
| Core capital (leverage) ratio | 9.0402% | 4,545 |
| Tier 1 risk-based capital ratio | 11.0723% | 6,158 |
| Total risk-based capital ratio | 12.3264% | 6,147 |
| Memoranda: | ||
| Average total assets | $374,282,330 | 1,794 |
| Average earning assets | $338,138,000 | 1,811 |
| Average equity | $34,366,330 | 1,944 |
| Average total loans | $282,164,670 | 1,620 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 2,877 |
| Cost of funding earning assets | 1.2978% | 4,827 |
| Net interest margin | 4.1383% | 2,276 |
| Noninterest income to average assets | 0.4572% | 4,403 |
| Noninterest expense to average assets | 2.0475% | 7,063 |
| Loan and lease loss provision to assets | 1.2878% | 941 |
| Net operating income to assets | 0.6535% | 3,644 |
| Return on assets (ROA) | 0.6535% | 3,761 |
| Pretax return on assets | 0.8757% | 3,557 |
| Return on Equity (ROE) | 7.0898% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.0898% | 2,099 |
| Net charge-offs to loans | 2.7161% | 591 |
| Credit loss provision to net charge-offs | 62.2407% | 4,257 |
| Earnings coverage of net charge-offs (x) | 1.0456% | 4,141 |
| Efficiency ratio | 48.6239% | 7,399 |
| Assets per employee ($millions) | 5.4357% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,804 |
| Loan loss allowance to noncurrent loans | 31.1063% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 3.7961% | 1,832 |
| Noncurrent loans to loans | 4.8916% | 1,487 |
| Net loans and leases to total assets | 74.2344% | 1,924 |
| Net loans and leases to deposits | 85.2886% | 2,715 |
| Net loans and leases to core deposits | 112.8408% | 1,113 |
| Total domestic deposits to total assets | 87.0391% | 2,612 |
| Equity capital to assets | 9.2445% | 4,926 |
| Core capital (leverage) ratio | 9.0137% | 4,542 |
| Tier 1 risk-based capital ratio | 11.1175% | 6,040 |
| Total risk-based capital ratio | 12.3668% | 6,016 |
| Memoranda: | ||
| Average total assets | $372,741,000 | 1,838 |
| Average earning assets | $338,112,500 | 1,848 |
| Average equity | $34,359,000 | 1,971 |
| Average total loans | $283,940,500 | 1,659 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7991% | 2,653 |
| Cost of funding earning assets | 1.6455% | 4,819 |
| Net interest margin | 4.1537% | 2,236 |
| Noninterest income to average assets | 0.4747% | 4,617 |
| Noninterest expense to average assets | 2.1967% | 7,001 |
| Loan and lease loss provision to assets | 1.1846% | 1,946 |
| Net operating income to assets | 0.6824% | 3,007 |
| Return on assets (ROA) | 0.7099% | 2,957 |
| Pretax return on assets | 0.9512% | 2,756 |
| Return on Equity (ROE) | 7.6794% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.9467% | 1,846 |
| Net charge-offs to loans | 0.9693% | 2,466 |
| Credit loss provision to net charge-offs | 159.1414% | 2,812 |
| Earnings coverage of net charge-offs (x) | 2.8201% | 3,681 |
| Efficiency ratio | 51.1351% | 7,459 |
| Assets per employee ($millions) | 5.1447% | 2,030 |
| Cash dividends to net income (ytd only)* | 35.5840% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7640% | 2,659 |
| Loan loss allowance to noncurrent loans | 42.4544% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 3.2639% | 2,101 |
| Noncurrent loans to loans | 4.1550% | 1,760 |
| Net loans and leases to total assets | 75.6234% | 1,896 |
| Net loans and leases to deposits | 87.4845% | 2,648 |
| Net loans and leases to core deposits | 113.6361% | 2,539 |
| Total domestic deposits to total assets | 86.4420% | 2,793 |
| Equity capital to assets | 9.1910% | 4,856 |
| Core capital (leverage) ratio | 9.0154% | 4,391 |
| Tier 1 risk-based capital ratio | 10.9044% | 6,004 |
| Total risk-based capital ratio | 12.1561% | 5,981 |
| Memoranda: | ||
| Average total assets | $362,999,000 | 1,872 |
| Average earning assets | $333,946,200 | 1,859 |
| Average equity | $33,557,400 | 2,000 |
| Average total loans | $278,748,600 | 1,729 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8638% | 2,610 |
| Cost of funding earning assets | 1.7258% | 4,769 |
| Net interest margin | 4.1380% | 2,257 |
| Noninterest income to average assets | 0.4840% | 4,630 |
| Noninterest expense to average assets | 2.1623% | 7,074 |
| Loan and lease loss provision to assets | 0.8307% | 2,304 |
| Net operating income to assets | 0.9167% | 2,357 |
| Return on assets (ROA) | 0.9322% | 2,365 |
| Pretax return on assets | 1.3283% | 1,882 |
| Return on Equity (ROE) | 10.0689% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.0689% | 627 |
| Net charge-offs to loans | 0.5566% | 3,011 |
| Credit loss provision to net charge-offs | 194.4685% | 2,319 |
| Earnings coverage of net charge-offs (x) | 5.0026% | 2,953 |
| Efficiency ratio | 50.2963% | 7,535 |
| Assets per employee ($millions) | 5.0283% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 2,998 |
| Loan loss allowance to noncurrent loans | 55.8435% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.2647% | 3,021 |
| Noncurrent loans to loans | 2.8625% | 2,654 |
| Net loans and leases to total assets | 75.8851% | 2,015 |
| Net loans and leases to deposits | 88.4951% | 2,866 |
| Net loans and leases to core deposits | 109.0976% | 3,335 |
| Total domestic deposits to total assets | 85.7506% | 2,830 |
| Equity capital to assets | 9.5841% | 4,639 |
| Core capital (leverage) ratio | 9.1405% | 4,431 |
| Tier 1 risk-based capital ratio | 11.1223% | 5,837 |
| Total risk-based capital ratio | 12.3748% | 5,782 |
| Memoranda: | ||
| Average total assets | $361,144,750 | 1,899 |
| Average earning assets | $332,972,250 | 1,883 |
| Average equity | $33,435,500 | 2,031 |
| Average total loans | $277,148,000 | 1,761 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 2,697 |
| Cost of funding earning assets | 1.8153% | 4,685 |
| Net interest margin | 4.0588% | 2,473 |
| Noninterest income to average assets | 0.4778% | 4,647 |
| Noninterest expense to average assets | 2.1188% | 7,238 |
| Loan and lease loss provision to assets | 0.7796% | 2,132 |
| Net operating income to assets | 0.9262% | 2,360 |
| Return on assets (ROA) | 0.9500% | 2,374 |
| Pretax return on assets | 1.3442% | 1,896 |
| Return on Equity (ROE) | 10.3853% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.3853% | 653 |
| Net charge-offs to loans | 0.7588% | 2,159 |
| Credit loss provision to net charge-offs | 134.0996% | 3,478 |
| Earnings coverage of net charge-offs (x) | 3.5958% | 3,379 |
| Efficiency ratio | 50.3373% | 7,646 |
| Assets per employee ($millions) | 4.5489% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 3,960 |
| Loan loss allowance to noncurrent loans | 62.3539% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.7172% | 3,610 |
| Noncurrent loans to loans | 2.1712% | 3,286 |
| Net loans and leases to total assets | 76.8037% | 1,987 |
| Net loans and leases to deposits | 88.5608% | 3,078 |
| Net loans and leases to core deposits | 108.0732% | 3,602 |
| Total domestic deposits to total assets | 86.7243% | 2,390 |
| Equity capital to assets | 9.3832% | 4,769 |
| Core capital (leverage) ratio | 9.2164% | 4,285 |
| Tier 1 risk-based capital ratio | 10.7004% | 6,180 |
| Total risk-based capital ratio | 11.9134% | 6,157 |
| Memoranda: | ||
| Average total assets | $359,170,670 | 1,932 |
| Average earning assets | $330,198,000 | 1,914 |
| Average equity | $32,854,000 | 2,068 |
| Average total loans | $275,172,670 | 1,795 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7635% | 3,464 |
| Cost of funding earning assets | 1.8752% | 4,767 |
| Net interest margin | 3.8883% | 3,080 |
| Noninterest income to average assets | 0.4478% | 4,796 |
| Noninterest expense to average assets | 1.9962% | 7,363 |
| Loan and lease loss provision to assets | 0.5013% | 2,462 |
| Net operating income to assets | 1.0616% | 2,102 |
| Return on assets (ROA) | 1.0616% | 2,231 |
| Pretax return on assets | 1.5284% | 1,588 |
| Return on Equity (ROE) | 11.7578% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.7578% | 837 |
| Net charge-offs to loans | 0.0806% | 4,364 |
| Credit loss provision to net charge-offs | 818.1818% | 734 |
| Earnings coverage of net charge-offs (x) | 33.1273% | 986 |
| Efficiency ratio | 49.5849% | 7,614 |
| Assets per employee ($millions) | 5.0227% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 3,559 |
| Loan loss allowance to noncurrent loans | 51.9973% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.0617% | 2,805 |
| Noncurrent loans to loans | 2.6729% | 2,457 |
| Net loans and leases to total assets | 75.0837% | 2,482 |
| Net loans and leases to deposits | 86.8326% | 3,504 |
| Net loans and leases to core deposits | 108.2906% | 3,640 |
| Total domestic deposits to total assets | 86.4695% | 2,465 |
| Equity capital to assets | 9.1352% | 5,173 |
| Core capital (leverage) ratio | 9.0897% | 4,571 |
| Tier 1 risk-based capital ratio | 10.5098% | 6,388 |
| Total risk-based capital ratio | 11.7409% | 6,320 |
| Memoranda: | ||
| Average total assets | $359,074,000 | 1,936 |
| Average earning assets | $330,426,500 | 1,918 |
| Average equity | $32,421,000 | 2,091 |
| Average total loans | $272,862,500 | 1,816 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3717% | 3,567 |
| Cost of funding earning assets | 2.5112% | 4,147 |
| Net interest margin | 3.8604% | 3,740 |
| Noninterest income to average assets | 0.4394% | 5,120 |
| Noninterest expense to average assets | 2.0935% | 7,252 |
| Loan and lease loss provision to assets | 0.3325% | 3,731 |
| Net operating income to assets | 1.1441% | 1,970 |
| Return on assets (ROA) | 1.1801% | 1,771 |
| Pretax return on assets | 1.5932% | 1,400 |
| Return on Equity (ROE) | 12.7739% | 1,391 |
| Retained earnings to average equity (ytd only) | 6.9317% | 1,174 |
| Net charge-offs to loans | 0.2542% | 3,731 |
| Credit loss provision to net charge-offs | 173.5791% | 2,936 |
| Earnings coverage of net charge-offs (x) | 9.7988% | 2,634 |
| Efficiency ratio | 52.7236% | 7,412 |
| Assets per employee ($millions) | 4.9516% | 1,992 |
| Cash dividends to net income (ytd only)* | 45.7357% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 3,993 |
| Loan loss allowance to noncurrent loans | 87.9098% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 3,943 |
| Noncurrent loans to loans | 1.4440% | 3,635 |
| Net loans and leases to total assets | 74.8744% | 2,904 |
| Net loans and leases to deposits | 86.7123% | 4,003 |
| Net loans and leases to core deposits | 104.7642% | 4,323 |
| Total domestic deposits to total assets | 86.3480% | 2,240 |
| Equity capital to assets | 8.9214% | 5,469 |
| Core capital (leverage) ratio | 9.1990% | 4,442 |
| Tier 1 risk-based capital ratio | 10.5053% | 6,208 |
| Total risk-based capital ratio | 11.6424% | 6,196 |
| Memoranda: | ||
| Average total assets | $339,810,600 | 1,957 |
| Average earning assets | $310,844,600 | 1,960 |
| Average equity | $31,392,200 | 2,151 |
| Average total loans | $256,057,800 | 1,872 |