Home > First State Bank of Wyoming > Performance and Condition Ratios
First State Bank of Wyoming, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1572% | 4,493 |
| Cost of funding earning assets | 0.7294% | 3,880 |
| Net interest margin | 2.4278% | 4,161 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.8438% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6770% | 3,247 |
| Return on assets (ROA) | 0.6756% | 3,232 |
| Pretax return on assets | 0.8775% | 3,018 |
| Return on Equity (ROE) | 6.1000% | 3,497 |
| Retained earnings to average equity (ytd only) | 4.5286% | 2,780 |
| Net charge-offs to loans | -0.0681% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.7105% | 2,140 |
| Assets per employee ($millions) | 7.8651% | 1,510 |
| Cash dividends to net income (ytd only)* | 25.7566% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8721% | 132 |
| Loan loss allowance to noncurrent loans | 255.9271% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 1,755 |
| Noncurrent loans to loans | 1.1222% | 642 |
| Net loans and leases to total assets | 24.9700% | 4,367 |
| Net loans and leases to deposits | 28.7572% | 4,367 |
| Net loans and leases to core deposits | 29.9033% | 4,397 |
| Total domestic deposits to total assets | 86.8200% | 1,743 |
| Equity capital to assets | 12.3596% | 1,018 |
| Core capital (leverage) ratio | 16.2594% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $229,856,800 | 2,788 |
| Average earning assets | $214,560,400 | 2,774 |
| Average equity | $25,460,200 | 2,491 |
| Average total loans | $58,709,600 | 3,728 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0827% | 4,511 |
| Cost of funding earning assets | 0.6493% | 3,870 |
| Net interest margin | 2.4334% | 4,199 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.8468% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6832% | 3,362 |
| Return on assets (ROA) | 0.6814% | 3,349 |
| Pretax return on assets | 0.8835% | 3,142 |
| Return on Equity (ROE) | 6.3300% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.3335% | 2,527 |
| Net charge-offs to loans | -0.0749% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.5847% | 2,062 |
| Assets per employee ($millions) | 7.3836% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8709% | 136 |
| Loan loss allowance to noncurrent loans | 248.8131% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 1,787 |
| Noncurrent loans to loans | 1.1538% | 686 |
| Net loans and leases to total assets | 24.7900% | 4,388 |
| Net loans and leases to deposits | 27.8647% | 4,404 |
| Net loans and leases to core deposits | 28.8208% | 4,398 |
| Total domestic deposits to total assets | 88.9600% | 1,269 |
| Equity capital to assets | 10.1589% | 1,730 |
| Core capital (leverage) ratio | 16.2034% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $230,298,750 | 2,802 |
| Average earning assets | $214,781,750 | 2,785 |
| Average equity | $24,777,500 | 2,516 |
| Average total loans | $58,728,750 | 3,732 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0225% | 4,547 |
| Cost of funding earning assets | 0.5301% | 3,923 |
| Net interest margin | 2.4925% | 4,215 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.8276% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7192% | 3,305 |
| Return on assets (ROA) | 0.7158% | 3,307 |
| Pretax return on assets | 0.9420% | 3,065 |
| Return on Equity (ROE) | 6.5300% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.5333% | 2,445 |
| Net charge-offs to loans | -0.0578% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.8857% | 2,254 |
| Assets per employee ($millions) | 6.8874% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7178% | 170 |
| Loan loss allowance to noncurrent loans | 226.6762% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 1,633 |
| Noncurrent loans to loans | 1.1990% | 591 |
| Net loans and leases to total assets | 25.0200% | 4,404 |
| Net loans and leases to deposits | 28.4564% | 4,415 |
| Net loans and leases to core deposits | 29.3395% | 4,410 |
| Total domestic deposits to total assets | 87.9400% | 1,623 |
| Equity capital to assets | 11.2978% | 1,274 |
| Core capital (leverage) ratio | 16.1291% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $230,791,333 | 2,809 |
| Average earning assets | $215,450,000 | 2,790 |
| Average equity | $25,285,667 | 2,509 |
| Average total loans | $58,833,667 | 3,738 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0113% | 4,560 |
| Cost of funding earning assets | 0.3479% | 4,080 |
| Net interest margin | 2.6634% | 4,130 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.8285% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8084% | 3,168 |
| Return on assets (ROA) | 0.8084% | 3,122 |
| Pretax return on assets | 1.0991% | 2,707 |
| Return on Equity (ROE) | 7.4900% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.4932% | 2,364 |
| Net charge-offs to loans | -0.1084% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4559% | 2,639 |
| Assets per employee ($millions) | 7.4366% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7966% | 160 |
| Loan loss allowance to noncurrent loans | 236.6097% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 1,578 |
| Noncurrent loans to loans | 1.1820% | 591 |
| Net loans and leases to total assets | 25.0400% | 4,464 |
| Net loans and leases to deposits | 28.9059% | 4,467 |
| Net loans and leases to core deposits | 29.5019% | 4,468 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 11.3341% | 1,214 |
| Core capital (leverage) ratio | 15.7138% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $232,545,000 | 2,831 |
| Average earning assets | $217,314,500 | 2,812 |
| Average equity | $25,089,500 | 2,541 |
| Average total loans | $59,017,500 | 3,773 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6553% | 4,432 |
| Cost of funding earning assets | 0.2242% | 3,561 |
| Net interest margin | 2.4311% | 4,342 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.7312% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8148% | 3,274 |
| Return on assets (ROA) | 0.8134% | 3,212 |
| Pretax return on assets | 0.9810% | 3,127 |
| Return on Equity (ROE) | 7.1700% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.6833% | 2,757 |
| Net charge-offs to loans | -0.0908% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.7915% | 2,523 |
| Assets per employee ($millions) | 7.8185% | 1,431 |
| Cash dividends to net income (ytd only)* | 20.7039% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8052% | 150 |
| Loan loss allowance to noncurrent loans | 179.5852% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 1,271 |
| Noncurrent loans to loans | 1.5620% | 411 |
| Net loans and leases to total assets | 24.3000% | 4,501 |
| Net loans and leases to deposits | 27.2437% | 4,509 |
| Net loans and leases to core deposits | 27.6144% | 4,510 |
| Total domestic deposits to total assets | 89.1900% | 1,666 |
| Equity capital to assets | 10.2534% | 1,584 |
| Core capital (leverage) ratio | 15.0713% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $237,523,200 | 2,802 |
| Average earning assets | $223,889,000 | 2,781 |
| Average equity | $26,956,200 | 2,484 |
| Average total loans | $61,675,400 | 3,697 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5635% | 4,417 |
| Cost of funding earning assets | 0.2186% | 3,054 |
| Net interest margin | 2.3450% | 4,377 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.7028% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7797% | 3,326 |
| Return on assets (ROA) | 0.7829% | 3,270 |
| Pretax return on assets | 0.9513% | 3,177 |
| Return on Equity (ROE) | 6.7400% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.7381% | 2,465 |
| Net charge-offs to loans | -0.1132% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.2525% | 2,508 |
| Assets per employee ($millions) | 7.9821% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6679% | 190 |
| Loan loss allowance to noncurrent loans | 207.1970% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 1,567 |
| Noncurrent loans to loans | 1.2876% | 569 |
| Net loans and leases to total assets | 25.0000% | 4,525 |
| Net loans and leases to deposits | 27.6838% | 4,539 |
| Net loans and leases to core deposits | 28.0473% | 4,537 |
| Total domestic deposits to total assets | 90.3100% | 1,521 |
| Equity capital to assets | 9.0189% | 2,202 |
| Core capital (leverage) ratio | 14.6619% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $238,265,000 | 2,813 |
| Average earning assets | $225,099,250 | 2,791 |
| Average equity | $27,682,750 | 2,480 |
| Average total loans | $62,433,750 | 3,711 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4280% | 4,442 |
| Cost of funding earning assets | 0.2178% | 2,663 |
| Net interest margin | 2.2103% | 4,418 |
| Noninterest income to average assets | 0.4095% | 2,695 |
| Noninterest expense to average assets | 1.7329% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6724% | 3,406 |
| Return on assets (ROA) | 0.6760% | 3,341 |
| Pretax return on assets | 0.7803% | 3,374 |
| Return on Equity (ROE) | 5.4121% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.4121% | 2,552 |
| Net charge-offs to loans | -0.1658% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0684% | 2,095 |
| Assets per employee ($millions) | 7.9279% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6047% | 221 |
| Loan loss allowance to noncurrent loans | 195.0059% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 1,517 |
| Noncurrent loans to loans | 1.3357% | 583 |
| Net loans and leases to total assets | 25.7842% | 4,565 |
| Net loans and leases to deposits | 29.1187% | 4,570 |
| Net loans and leases to core deposits | 29.5106% | 4,580 |
| Total domestic deposits to total assets | 88.5484% | 2,363 |
| Equity capital to assets | 10.8007% | 1,308 |
| Core capital (leverage) ratio | 14.8722% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,865,333 | 2,841 |
| Average earning assets | $225,944,000 | 2,819 |
| Average equity | $29,711,333 | 2,432 |
| Average total loans | $62,741,667 | 3,745 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3708% | 4,401 |
| Cost of funding earning assets | 0.2126% | 2,629 |
| Net interest margin | 2.1581% | 4,390 |
| Noninterest income to average assets | 0.3985% | 2,700 |
| Noninterest expense to average assets | 1.7639% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6877% | 3,102 |
| Return on assets (ROA) | 0.6877% | 3,091 |
| Pretax return on assets | 0.6995% | 3,394 |
| Return on Equity (ROE) | 5.1571% | 3,579 |
| Retained earnings to average equity (ytd only) | 5.1571% | 2,529 |
| Net charge-offs to loans | -0.3129% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6041% | 2,029 |
| Assets per employee ($millions) | 7.8630% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6156% | 254 |
| Loan loss allowance to noncurrent loans | 193.4988% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 1,612 |
| Noncurrent loans to loans | 1.3517% | 643 |
| Net loans and leases to total assets | 25.8378% | 4,570 |
| Net loans and leases to deposits | 29.6296% | 4,559 |
| Net loans and leases to core deposits | 30.0003% | 4,579 |
| Total domestic deposits to total assets | 87.2026% | 2,856 |
| Equity capital to assets | 12.1798% | 894 |
| Core capital (leverage) ratio | 14.5390% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,880,000 | 2,859 |
| Average earning assets | $227,607,000 | 2,828 |
| Average equity | $31,723,000 | 2,402 |
| Average total loans | $62,630,500 | 3,749 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5298% | 4,457 |
| Cost of funding earning assets | 0.2317% | 3,119 |
| Net interest margin | 2.2981% | 4,412 |
| Noninterest income to average assets | 0.3953% | 3,072 |
| Noninterest expense to average assets | 2.0117% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4854% | 4,122 |
| Return on assets (ROA) | 0.4854% | 4,165 |
| Pretax return on assets | 0.5956% | 4,116 |
| Return on Equity (ROE) | 3.1573% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.0195% | 3,973 |
| Net charge-offs to loans | -0.0134% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1553% | 1,013 |
| Assets per employee ($millions) | 7.7377% | 1,475 |
| Cash dividends to net income (ytd only)* | 36.0360% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5337% | 264 |
| Loan loss allowance to noncurrent loans | 175.8583% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 1,651 |
| Noncurrent loans to loans | 1.4408% | 642 |
| Net loans and leases to total assets | 25.4668% | 4,641 |
| Net loans and leases to deposits | 29.9780% | 4,622 |
| Net loans and leases to core deposits | 30.3938% | 4,634 |
| Total domestic deposits to total assets | 84.9518% | 3,284 |
| Equity capital to assets | 14.4725% | 583 |
| Core capital (leverage) ratio | 14.2835% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,662,000 | 2,856 |
| Average earning assets | $220,093,800 | 2,810 |
| Average equity | $35,157,000 | 2,284 |
| Average total loans | $67,088,000 | 3,709 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5570% | 4,533 |
| Cost of funding earning assets | 0.2368% | 3,247 |
| Net interest margin | 2.3202% | 4,470 |
| Noninterest income to average assets | 0.4079% | 3,045 |
| Noninterest expense to average assets | 2.0053% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5260% | 4,149 |
| Return on assets (ROA) | 0.5260% | 4,197 |
| Pretax return on assets | 0.6352% | 4,180 |
| Return on Equity (ROE) | 3.3685% | 4,407 |
| Retained earnings to average equity (ytd only) | 3.3685% | 3,779 |
| Net charge-offs to loans | -0.0137% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9446% | 1,039 |
| Assets per employee ($millions) | 7.4637% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 337 |
| Loan loss allowance to noncurrent loans | 160.0404% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 1,737 |
| Noncurrent loans to loans | 1.5000% | 702 |
| Net loans and leases to total assets | 26.9979% | 4,678 |
| Net loans and leases to deposits | 31.9826% | 4,673 |
| Net loans and leases to core deposits | 32.4864% | 4,686 |
| Total domestic deposits to total assets | 84.4145% | 3,332 |
| Equity capital to assets | 14.8503% | 562 |
| Core capital (leverage) ratio | 14.8480% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,860,250 | 2,900 |
| Average earning assets | $217,333,250 | 2,855 |
| Average equity | $35,267,500 | 2,306 |
| Average total loans | $68,191,250 | 3,743 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5620% | 4,574 |
| Cost of funding earning assets | 0.2432% | 3,344 |
| Net interest margin | 2.3188% | 4,499 |
| Noninterest income to average assets | 0.4072% | 3,070 |
| Noninterest expense to average assets | 2.2173% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3720% | 4,435 |
| Return on assets (ROA) | 0.3720% | 4,470 |
| Pretax return on assets | 0.4198% | 4,484 |
| Return on Equity (ROE) | 2.3409% | 4,562 |
| Retained earnings to average equity (ytd only) | 2.3409% | 4,039 |
| Net charge-offs to loans | -0.0116% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0808% | 540 |
| Assets per employee ($millions) | 7.1078% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3279% | 343 |
| Loan loss allowance to noncurrent loans | 129.1191% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 1,468 |
| Noncurrent loans to loans | 1.8029% | 576 |
| Net loans and leases to total assets | 29.2010% | 4,676 |
| Net loans and leases to deposits | 34.8611% | 4,658 |
| Net loans and leases to core deposits | 35.4416% | 4,684 |
| Total domestic deposits to total assets | 83.7640% | 3,505 |
| Equity capital to assets | 15.4785% | 469 |
| Core capital (leverage) ratio | 15.1038% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,534,667 | 2,930 |
| Average earning assets | $213,037,000 | 2,880 |
| Average equity | $35,200,667 | 2,305 |
| Average total loans | $68,899,333 | 3,745 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6974% | 4,482 |
| Cost of funding earning assets | 0.2551% | 3,428 |
| Net interest margin | 2.4423% | 4,371 |
| Noninterest income to average assets | 0.4410% | 2,867 |
| Noninterest expense to average assets | 2.0094% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5984% | 3,949 |
| Return on assets (ROA) | 0.5984% | 4,012 |
| Pretax return on assets | 0.7796% | 3,852 |
| Return on Equity (ROE) | 3.7161% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.7161% | 3,585 |
| Net charge-offs to loans | -0.0115% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0472% | 1,491 |
| Assets per employee ($millions) | 6.9047% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3048% | 360 |
| Loan loss allowance to noncurrent loans | 127.1923% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 1,610 |
| Noncurrent loans to loans | 1.8121% | 636 |
| Net loans and leases to total assets | 30.3298% | 4,686 |
| Net loans and leases to deposits | 36.2950% | 4,668 |
| Net loans and leases to core deposits | 36.8667% | 4,689 |
| Total domestic deposits to total assets | 83.5647% | 3,553 |
| Equity capital to assets | 15.8334% | 405 |
| Core capital (leverage) ratio | 15.6886% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,576,500 | 2,941 |
| Average earning assets | $210,129,500 | 2,892 |
| Average equity | $35,198,000 | 2,293 |
| Average total loans | $69,348,500 | 3,754 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1714% | 4,485 |
| Cost of funding earning assets | 0.3825% | 3,692 |
| Net interest margin | 2.7889% | 4,278 |
| Noninterest income to average assets | 0.5046% | 2,610 |
| Noninterest expense to average assets | 2.0014% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9379% | 2,527 |
| Return on assets (ROA) | 0.9582% | 2,592 |
| Pretax return on assets | 1.1930% | 2,349 |
| Return on Equity (ROE) | 5.4742% | 3,757 |
| Retained earnings to average equity (ytd only) | 4.3175% | 2,641 |
| Net charge-offs to loans | 0.2412% | 722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 13.8976% | 2,253 |
| Efficiency ratio | 63.1529% | 2,951 |
| Assets per employee ($millions) | 6.9743% | 1,601 |
| Cash dividends to net income (ytd only)* | 21.1305% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2524% | 371 |
| Loan loss allowance to noncurrent loans | 125.5167% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 1,718 |
| Noncurrent loans to loans | 1.7945% | 696 |
| Net loans and leases to total assets | 31.6940% | 4,714 |
| Net loans and leases to deposits | 38.1937% | 4,698 |
| Net loans and leases to core deposits | 39.0703% | 4,719 |
| Total domestic deposits to total assets | 82.9821% | 3,418 |
| Equity capital to assets | 16.3791% | 393 |
| Core capital (leverage) ratio | 16.0758% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,563,400 | 2,962 |
| Average earning assets | $188,747,000 | 2,919 |
| Average equity | $34,580,400 | 2,250 |
| Average total loans | $68,811,400 | 3,760 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2413% | 4,543 |
| Cost of funding earning assets | 0.4109% | 3,763 |
| Net interest margin | 2.8305% | 4,289 |
| Noninterest income to average assets | 0.5211% | 2,524 |
| Noninterest expense to average assets | 1.9581% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9839% | 2,394 |
| Return on assets (ROA) | 1.0112% | 2,431 |
| Pretax return on assets | 1.2973% | 2,060 |
| Return on Equity (ROE) | 5.6749% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.6749% | 2,252 |
| Net charge-offs to loans | -0.0156% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7940% | 3,261 |
| Assets per employee ($millions) | 6.7756% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4750% | 238 |
| Loan loss allowance to noncurrent loans | 170.8577% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 2,131 |
| Noncurrent loans to loans | 1.4486% | 993 |
| Net loans and leases to total assets | 32.8860% | 4,770 |
| Net loans and leases to deposits | 39.9545% | 4,751 |
| Net loans and leases to core deposits | 40.9758% | 4,771 |
| Total domestic deposits to total assets | 82.3085% | 3,340 |
| Equity capital to assets | 16.8608% | 390 |
| Core capital (leverage) ratio | 16.3730% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,903,750 | 2,980 |
| Average earning assets | $183,993,500 | 2,942 |
| Average equity | $34,372,500 | 2,249 |
| Average total loans | $68,488,750 | 3,782 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3818% | 4,556 |
| Cost of funding earning assets | 0.4393% | 3,849 |
| Net interest margin | 2.9425% | 4,235 |
| Noninterest income to average assets | 0.5267% | 2,456 |
| Noninterest expense to average assets | 2.0396% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9952% | 2,348 |
| Return on assets (ROA) | 1.0374% | 2,331 |
| Pretax return on assets | 1.3387% | 1,913 |
| Return on Equity (ROE) | 5.7076% | 3,600 |
| Retained earnings to average equity (ytd only) | 5.7076% | 2,192 |
| Net charge-offs to loans | -0.0148% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3432% | 3,227 |
| Assets per employee ($millions) | 6.3972% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3722% | 258 |
| Loan loss allowance to noncurrent loans | 173.0959% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 2,167 |
| Noncurrent loans to loans | 1.3704% | 1,127 |
| Net loans and leases to total assets | 36.3172% | 4,716 |
| Net loans and leases to deposits | 44.5730% | 4,690 |
| Net loans and leases to core deposits | 45.5294% | 4,722 |
| Total domestic deposits to total assets | 81.4779% | 3,506 |
| Equity capital to assets | 17.6372% | 327 |
| Core capital (leverage) ratio | 17.0966% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,190,333 | 3,023 |
| Average earning assets | $178,013,333 | 2,976 |
| Average equity | $34,025,000 | 2,256 |
| Average total loans | $67,709,000 | 3,795 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 4,706 |
| Cost of funding earning assets | 0.4597% | 4,117 |
| Net interest margin | 2.9720% | 4,328 |
| Noninterest income to average assets | 0.5153% | 2,469 |
| Noninterest expense to average assets | 2.1605% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9316% | 2,411 |
| Return on assets (ROA) | 0.9316% | 2,520 |
| Pretax return on assets | 1.1738% | 2,290 |
| Return on Equity (ROE) | 5.0434% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.0434% | 2,260 |
| Net charge-offs to loans | -0.0124% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7952% | 3,107 |
| Assets per employee ($millions) | 5.9050% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7053% | 193 |
| Loan loss allowance to noncurrent loans | 161.1060% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 2,093 |
| Noncurrent loans to loans | 1.6792% | 909 |
| Net loans and leases to total assets | 34.3423% | 4,824 |
| Net loans and leases to deposits | 42.5010% | 4,791 |
| Net loans and leases to core deposits | 43.4950% | 4,816 |
| Total domestic deposits to total assets | 80.8035% | 3,708 |
| Equity capital to assets | 18.6475% | 310 |
| Core capital (leverage) ratio | 18.1348% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,628,500 | 3,034 |
| Average earning assets | $172,274,500 | 2,993 |
| Average equity | $33,549,000 | 2,269 |
| Average total loans | $64,677,500 | 3,870 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 4,861 |
| Cost of funding earning assets | 0.4303% | 4,338 |
| Net interest margin | 3.0645% | 4,426 |
| Noninterest income to average assets | 0.6091% | 2,174 |
| Noninterest expense to average assets | 2.1132% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1260% | 2,352 |
| Return on assets (ROA) | 1.1256% | 2,447 |
| Pretax return on assets | 1.4055% | 2,135 |
| Return on Equity (ROE) | 6.4592% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.2019% | 2,311 |
| Net charge-offs to loans | 0.0218% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 183.3571% | 421 |
| Efficiency ratio | 60.0467% | 3,684 |
| Assets per employee ($millions) | 5.6313% | 1,939 |
| Cash dividends to net income (ytd only)* | 19.4647% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6969% | 172 |
| Loan loss allowance to noncurrent loans | 168.6957% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 2,036 |
| Noncurrent loans to loans | 1.5987% | 882 |
| Net loans and leases to total assets | 34.9584% | 4,872 |
| Net loans and leases to deposits | 42.9919% | 4,847 |
| Net loans and leases to core deposits | 44.0064% | 4,873 |
| Total domestic deposits to total assets | 81.3139% | 3,699 |
| Equity capital to assets | 18.2921% | 344 |
| Core capital (leverage) ratio | 17.8390% | 347 |
| Tier 1 risk-based capital ratio | 38.9485% | 255 |
| Total risk-based capital ratio | 40.2084% | 251 |
| Memoranda: | ||
| Average total assets | $182,567,800 | 2,987 |
| Average earning assets | $173,371,600 | 2,946 |
| Average equity | $31,815,000 | 2,310 |
| Average total loans | $64,328,600 | 3,900 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4845% | 4,969 |
| Cost of funding earning assets | 0.4249% | 4,419 |
| Net interest margin | 3.0596% | 4,540 |
| Noninterest income to average assets | 0.6348% | 2,049 |
| Noninterest expense to average assets | 2.0674% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1384% | 2,423 |
| Return on assets (ROA) | 1.1378% | 2,510 |
| Pretax return on assets | 1.4705% | 2,045 |
| Return on Equity (ROE) | 6.6098% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.6098% | 2,052 |
| Net charge-offs to loans | 0.0332% | 2,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 126.3291% | 622 |
| Efficiency ratio | 58.4242% | 3,873 |
| Assets per employee ($millions) | 5.6762% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8132% | 157 |
| Loan loss allowance to noncurrent loans | 150.1292% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 1,984 |
| Noncurrent loans to loans | 1.8738% | 753 |
| Net loans and leases to total assets | 33.1517% | 5,002 |
| Net loans and leases to deposits | 40.7421% | 4,978 |
| Net loans and leases to core deposits | 41.7781% | 4,999 |
| Total domestic deposits to total assets | 81.3695% | 3,644 |
| Equity capital to assets | 18.1179% | 387 |
| Core capital (leverage) ratio | 17.7011% | 372 |
| Tier 1 risk-based capital ratio | 39.1100% | 262 |
| Total risk-based capital ratio | 40.3701% | 258 |
| Memoranda: | ||
| Average total assets | $183,159,000 | 3,013 |
| Average earning assets | $173,832,750 | 2,974 |
| Average equity | $31,528,000 | 2,339 |
| Average total loans | $64,225,250 | 3,939 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 5,016 |
| Cost of funding earning assets | 0.4210% | 4,428 |
| Net interest margin | 3.0652% | 4,593 |
| Noninterest income to average assets | 0.6479% | 1,929 |
| Noninterest expense to average assets | 2.0319% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1769% | 2,235 |
| Return on assets (ROA) | 1.1760% | 2,311 |
| Pretax return on assets | 1.5245% | 1,776 |
| Return on Equity (ROE) | 6.9526% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.9526% | 1,827 |
| Net charge-offs to loans | 0.0585% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 73.7368% | 860 |
| Efficiency ratio | 57.1166% | 4,113 |
| Assets per employee ($millions) | 5.6526% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7295% | 173 |
| Loan loss allowance to noncurrent loans | 145.8508% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 1,938 |
| Noncurrent loans to loans | 1.8714% | 801 |
| Net loans and leases to total assets | 34.2811% | 5,025 |
| Net loans and leases to deposits | 41.9439% | 5,000 |
| Net loans and leases to core deposits | 43.0164% | 5,019 |
| Total domestic deposits to total assets | 81.7308% | 3,597 |
| Equity capital to assets | 17.8059% | 397 |
| Core capital (leverage) ratio | 17.5020% | 382 |
| Tier 1 risk-based capital ratio | 38.0295% | 273 |
| Total risk-based capital ratio | 39.2892% | 266 |
| Memoranda: | ||
| Average total assets | $183,666,000 | 3,013 |
| Average earning assets | $174,342,330 | 2,981 |
| Average equity | $31,067,670 | 2,352 |
| Average total loans | $64,980,670 | 3,955 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 5,083 |
| Cost of funding earning assets | 0.4037% | 4,467 |
| Net interest margin | 3.0448% | 4,685 |
| Noninterest income to average assets | 0.5036% | 2,531 |
| Noninterest expense to average assets | 2.0729% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0371% | 2,709 |
| Return on assets (ROA) | 1.0354% | 2,760 |
| Pretax return on assets | 1.3142% | 2,395 |
| Return on Equity (ROE) | 6.2825% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.2825% | 2,329 |
| Net charge-offs to loans | -0.0122% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1607% | 3,656 |
| Assets per employee ($millions) | 5.6904% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6910% | 194 |
| Loan loss allowance to noncurrent loans | 140.5427% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 1,494 |
| Noncurrent loans to loans | 1.9147% | 791 |
| Net loans and leases to total assets | 34.9706% | 5,050 |
| Net loans and leases to deposits | 42.4060% | 5,030 |
| Net loans and leases to core deposits | 43.6456% | 5,050 |
| Total domestic deposits to total assets | 82.4661% | 3,593 |
| Equity capital to assets | 17.1143% | 438 |
| Core capital (leverage) ratio | 17.0256% | 419 |
| Tier 1 risk-based capital ratio | 36.7689% | 284 |
| Total risk-based capital ratio | 38.0284% | 280 |
| Memoranda: | ||
| Average total assets | $185,057,000 | 3,032 |
| Average earning assets | $175,382,000 | 2,995 |
| Average equity | $30,497,500 | 2,387 |
| Average total loans | $65,596,500 | 3,974 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 5,039 |
| Cost of funding earning assets | 0.2810% | 4,655 |
| Net interest margin | 3.0798% | 4,679 |
| Noninterest income to average assets | 0.3625% | 3,672 |
| Noninterest expense to average assets | 2.0205% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0146% | 2,949 |
| Return on assets (ROA) | 1.0075% | 2,958 |
| Pretax return on assets | 1.2435% | 2,724 |
| Return on Equity (ROE) | 6.2931% | 4,071 |
| Retained earnings to average equity (ytd only) | 4.9251% | 2,809 |
| Net charge-offs to loans | -0.0079% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7367% | 3,574 |
| Assets per employee ($millions) | 6.0652% | 1,478 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6752% | 190 |
| Loan loss allowance to noncurrent loans | 143.2410% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 1,547 |
| Noncurrent loans to loans | 1.8676% | 743 |
| Net loans and leases to total assets | 34.0356% | 5,124 |
| Net loans and leases to deposits | 40.6071% | 5,111 |
| Net loans and leases to core deposits | 41.6652% | 5,132 |
| Total domestic deposits to total assets | 83.8167% | 3,056 |
| Equity capital to assets | 15.8658% | 557 |
| Core capital (leverage) ratio | 16.6558% | 442 |
| Tier 1 risk-based capital ratio | 34.8521% | 324 |
| Total risk-based capital ratio | 36.1115% | 319 |
| Memoranda: | ||
| Average total assets | $182,626,800 | 3,029 |
| Average earning assets | $172,574,600 | 2,996 |
| Average equity | $29,238,200 | 2,378 |
| Average total loans | $63,079,800 | 4,023 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 5,100 |
| Cost of funding earning assets | 0.2742% | 4,661 |
| Net interest margin | 3.0563% | 4,774 |
| Noninterest income to average assets | 0.4560% | 3,132 |
| Noninterest expense to average assets | 1.9888% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0781% | 2,755 |
| Return on assets (ROA) | 1.0746% | 2,776 |
| Pretax return on assets | 1.3489% | 2,436 |
| Return on Equity (ROE) | 6.6963% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.6963% | 2,284 |
| Net charge-offs to loans | -0.0064% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5070% | 3,883 |
| Assets per employee ($millions) | 5.9089% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8000% | 171 |
| Loan loss allowance to noncurrent loans | 143.7807% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 1,411 |
| Noncurrent loans to loans | 1.9474% | 771 |
| Net loans and leases to total assets | 33.2968% | 5,216 |
| Net loans and leases to deposits | 39.8568% | 5,211 |
| Net loans and leases to core deposits | 41.0083% | 5,221 |
| Total domestic deposits to total assets | 83.5411% | 3,105 |
| Equity capital to assets | 16.0075% | 539 |
| Core capital (leverage) ratio | 16.8153% | 437 |
| Tier 1 risk-based capital ratio | 35.8369% | 305 |
| Total risk-based capital ratio | 37.0969% | 301 |
| Memoranda: | ||
| Average total assets | $181,278,250 | 3,062 |
| Average earning assets | $171,184,250 | 3,038 |
| Average equity | $29,090,000 | 2,396 |
| Average total loans | $62,411,500 | 4,074 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 5,121 |
| Cost of funding earning assets | 0.2694% | 4,638 |
| Net interest margin | 3.0516% | 4,809 |
| Noninterest income to average assets | 0.4096% | 3,425 |
| Noninterest expense to average assets | 1.9840% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0429% | 2,838 |
| Return on assets (ROA) | 1.0429% | 2,837 |
| Pretax return on assets | 1.3097% | 2,470 |
| Return on Equity (ROE) | 6.4937% | 4,066 |
| Retained earnings to average equity (ytd only) | 6.4937% | 2,314 |
| Net charge-offs to loans | -0.0257% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2353% | 3,904 |
| Assets per employee ($millions) | 5.3623% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8130% | 179 |
| Loan loss allowance to noncurrent loans | 139.9523% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 1,412 |
| Noncurrent loans to loans | 2.0100% | 742 |
| Net loans and leases to total assets | 34.4018% | 5,229 |
| Net loans and leases to deposits | 41.4108% | 5,209 |
| Net loans and leases to core deposits | 42.6416% | 5,223 |
| Total domestic deposits to total assets | 83.0743% | 3,392 |
| Equity capital to assets | 16.4888% | 446 |
| Core capital (leverage) ratio | 16.8317% | 415 |
| Tier 1 risk-based capital ratio | 35.8432% | 313 |
| Total risk-based capital ratio | 37.1038% | 303 |
| Memoranda: | ||
| Average total assets | $180,645,330 | 3,087 |
| Average earning assets | $170,728,670 | 3,058 |
| Average equity | $29,012,670 | 2,415 |
| Average total loans | $62,299,000 | 4,111 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2025% | 5,234 |
| Cost of funding earning assets | 0.2688% | 4,588 |
| Net interest margin | 2.9337% | 4,981 |
| Noninterest income to average assets | 0.4493% | 3,115 |
| Noninterest expense to average assets | 1.9968% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9688% | 2,989 |
| Return on assets (ROA) | 0.9688% | 3,017 |
| Pretax return on assets | 1.2275% | 2,654 |
| Return on Equity (ROE) | 6.1113% | 4,120 |
| Retained earnings to average equity (ytd only) | 6.1113% | 2,659 |
| Net charge-offs to loans | -0.0322% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9307% | 3,801 |
| Assets per employee ($millions) | 6.0016% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8468% | 180 |
| Loan loss allowance to noncurrent loans | 133.5611% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 1,360 |
| Noncurrent loans to loans | 2.1314% | 723 |
| Net loans and leases to total assets | 33.3413% | 5,286 |
| Net loans and leases to deposits | 39.8680% | 5,267 |
| Net loans and leases to core deposits | 40.9429% | 5,288 |
| Total domestic deposits to total assets | 83.6293% | 3,459 |
| Equity capital to assets | 15.9619% | 490 |
| Core capital (leverage) ratio | 16.5199% | 429 |
| Tier 1 risk-based capital ratio | 34.7231% | 330 |
| Total risk-based capital ratio | 35.9826% | 328 |
| Memoranda: | ||
| Average total assets | $182,490,000 | 3,105 |
| Average earning assets | $172,616,000 | 3,062 |
| Average equity | $28,930,000 | 2,441 |
| Average total loans | $62,129,500 | 4,148 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1963% | 5,191 |
| Cost of funding earning assets | 0.2770% | 4,349 |
| Net interest margin | 2.9192% | 5,017 |
| Noninterest income to average assets | 0.4721% | 3,174 |
| Noninterest expense to average assets | 1.9937% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9215% | 2,590 |
| Return on assets (ROA) | 0.9009% | 2,735 |
| Pretax return on assets | 1.2107% | 2,731 |
| Return on Equity (ROE) | 5.6227% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.4079% | 2,514 |
| Net charge-offs to loans | 0.4773% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.6267% | 3,017 |
| Efficiency ratio | 61.6827% | 3,988 |
| Assets per employee ($millions) | 5.6040% | 1,843 |
| Cash dividends to net income (ytd only)* | 21.6049% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8077% | 176 |
| Loan loss allowance to noncurrent loans | 131.1892% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1172% | 1,343 |
| Noncurrent loans to loans | 2.1402% | 696 |
| Net loans and leases to total assets | 32.8313% | 5,373 |
| Net loans and leases to deposits | 39.3437% | 5,356 |
| Net loans and leases to core deposits | 40.3896% | 5,378 |
| Total domestic deposits to total assets | 83.4475% | 3,404 |
| Equity capital to assets | 15.7468% | 549 |
| Core capital (leverage) ratio | 15.9899% | 477 |
| Tier 1 risk-based capital ratio | 33.4874% | 357 |
| Total risk-based capital ratio | 34.7459% | 350 |
| Memoranda: | ||
| Average total assets | $179,816,400 | 3,116 |
| Average earning assets | $170,011,000 | 3,073 |
| Average equity | $28,812,000 | 2,444 |
| Average total loans | $61,171,600 | 4,174 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2005% | 5,230 |
| Cost of funding earning assets | 0.2781% | 4,337 |
| Net interest margin | 2.9224% | 5,061 |
| Noninterest income to average assets | 0.4847% | 3,122 |
| Noninterest expense to average assets | 1.9558% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9494% | 2,782 |
| Return on assets (ROA) | 0.9649% | 2,765 |
| Pretax return on assets | 1.3121% | 2,428 |
| Return on Equity (ROE) | 5.9949% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.9949% | 2,241 |
| Net charge-offs to loans | 0.6420% | 311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.9010% | 3,049 |
| Efficiency ratio | 60.2346% | 4,173 |
| Assets per employee ($millions) | 5.5459% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9150% | 171 |
| Loan loss allowance to noncurrent loans | 117.1009% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 1,349 |
| Noncurrent loans to loans | 2.4893% | 617 |
| Net loans and leases to total assets | 31.9014% | 5,460 |
| Net loans and leases to deposits | 38.2811% | 5,454 |
| Net loans and leases to core deposits | 39.3103% | 5,476 |
| Total domestic deposits to total assets | 83.3346% | 3,349 |
| Equity capital to assets | 16.2130% | 510 |
| Core capital (leverage) ratio | 16.0648% | 486 |
| Tier 1 risk-based capital ratio | 34.3845% | 342 |
| Total risk-based capital ratio | 35.6438% | 331 |
| Memoranda: | ||
| Average total assets | $178,537,250 | 3,161 |
| Average earning assets | $168,759,250 | 3,115 |
| Average equity | $28,734,750 | 2,463 |
| Average total loans | $60,847,000 | 4,221 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2056% | 5,231 |
| Cost of funding earning assets | 0.2801% | 4,288 |
| Net interest margin | 2.9255% | 5,049 |
| Noninterest income to average assets | 0.4733% | 3,199 |
| Noninterest expense to average assets | 1.9882% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9171% | 2,824 |
| Return on assets (ROA) | 0.9229% | 2,850 |
| Pretax return on assets | 1.2539% | 2,563 |
| Return on Equity (ROE) | 5.7490% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.7490% | 2,263 |
| Net charge-offs to loans | 0.9659% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.7390% | 3,007 |
| Efficiency ratio | 61.4740% | 4,087 |
| Assets per employee ($millions) | 5.7561% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9155% | 174 |
| Loan loss allowance to noncurrent loans | 110.0566% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 1,230 |
| Noncurrent loans to loans | 2.6491% | 536 |
| Net loans and leases to total assets | 32.6767% | 5,482 |
| Net loans and leases to deposits | 39.2850% | 5,472 |
| Net loans and leases to core deposits | 40.3622% | 5,487 |
| Total domestic deposits to total assets | 83.1786% | 3,512 |
| Equity capital to assets | 16.4196% | 482 |
| Core capital (leverage) ratio | 16.2537% | 443 |
| Tier 1 risk-based capital ratio | 33.8862% | 334 |
| Total risk-based capital ratio | 35.1454% | 330 |
| Memoranda: | ||
| Average total assets | $177,045,000 | 3,193 |
| Average earning assets | $167,082,330 | 3,148 |
| Average equity | $28,422,330 | 2,477 |
| Average total loans | $61,083,670 | 4,239 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1654% | 5,290 |
| Cost of funding earning assets | 0.2836% | 4,217 |
| Net interest margin | 2.8818% | 5,119 |
| Noninterest income to average assets | 0.5081% | 2,921 |
| Noninterest expense to average assets | 2.0482% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9481% | 2,532 |
| Return on assets (ROA) | 0.9572% | 2,553 |
| Pretax return on assets | 1.1908% | 2,631 |
| Return on Equity (ROE) | 6.0320% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,313 |
| Net charge-offs to loans | 1.9352% | 82 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.7450% | 2,691 |
| Efficiency ratio | 63.4575% | 3,924 |
| Assets per employee ($millions) | 5.6551% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8832% | 202 |
| Loan loss allowance to noncurrent loans | 131.4286% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 1,322 |
| Noncurrent loans to loans | 2.1937% | 775 |
| Net loans and leases to total assets | 33.5858% | 5,481 |
| Net loans and leases to deposits | 40.2127% | 5,467 |
| Net loans and leases to core deposits | 41.4107% | 5,483 |
| Total domestic deposits to total assets | 83.5205% | 3,649 |
| Equity capital to assets | 16.2045% | 462 |
| Core capital (leverage) ratio | 16.2015% | 439 |
| Tier 1 risk-based capital ratio | 33.6374% | 362 |
| Total risk-based capital ratio | 34.8966% | 357 |
| Memoranda: | ||
| Average total assets | $176,348,000 | 3,229 |
| Average earning assets | $166,423,000 | 3,184 |
| Average equity | $27,984,000 | 2,517 |
| Average total loans | $61,596,000 | 4,255 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3830% | 5,017 |
| Cost of funding earning assets | 0.3073% | 3,985 |
| Net interest margin | 3.0757% | 4,788 |
| Noninterest income to average assets | 0.4920% | 3,290 |
| Noninterest expense to average assets | 2.0206% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9878% | 2,401 |
| Return on assets (ROA) | 1.0007% | 2,453 |
| Pretax return on assets | 1.3945% | 1,965 |
| Return on Equity (ROE) | 6.1327% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.8927% | 2,415 |
| Net charge-offs to loans | 0.0116% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 340.1429% | 236 |
| Efficiency ratio | 59.4792% | 4,664 |
| Assets per employee ($millions) | 5.5433% | 1,832 |
| Cash dividends to net income (ytd only)* | 20.2195% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2702% | 132 |
| Loan loss allowance to noncurrent loans | 107.6842% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5097% | 1,097 |
| Noncurrent loans to loans | 3.0368% | 446 |
| Net loans and leases to total assets | 34.1169% | 5,546 |
| Net loans and leases to deposits | 40.5010% | 5,531 |
| Net loans and leases to core deposits | 41.6803% | 5,552 |
| Total domestic deposits to total assets | 84.2373% | 3,338 |
| Equity capital to assets | 15.5367% | 559 |
| Core capital (leverage) ratio | 15.8656% | 476 |
| Tier 1 risk-based capital ratio | 32.6223% | 389 |
| Total risk-based capital ratio | 33.8855% | 383 |
| Memoranda: | ||
| Average total assets | $172,970,800 | 3,246 |
| Average earning assets | $163,374,800 | 3,191 |
| Average equity | $28,225,800 | 2,499 |
| Average total loans | $60,270,800 | 4,289 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 4,944 |
| Cost of funding earning assets | 0.3120% | 3,952 |
| Net interest margin | 3.1245% | 4,709 |
| Noninterest income to average assets | 0.5438% | 2,949 |
| Noninterest expense to average assets | 2.0155% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0450% | 2,223 |
| Return on assets (ROA) | 1.0620% | 2,263 |
| Pretax return on assets | 1.5042% | 1,702 |
| Return on Equity (ROE) | 6.4288% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.4288% | 1,948 |
| Net charge-offs to loans | -0.0089% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6565% | 4,864 |
| Assets per employee ($millions) | 5.6205% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5007% | 117 |
| Loan loss allowance to noncurrent loans | 104.7886% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.7103% | 993 |
| Noncurrent loans to loans | 3.3407% | 407 |
| Net loans and leases to total assets | 32.5440% | 5,662 |
| Net loans and leases to deposits | 39.3905% | 5,648 |
| Net loans and leases to core deposits | 40.5262% | 5,668 |
| Total domestic deposits to total assets | 82.6189% | 3,740 |
| Equity capital to assets | 16.7745% | 451 |
| Core capital (leverage) ratio | 15.8994% | 495 |
| Tier 1 risk-based capital ratio | 33.3922% | 372 |
| Total risk-based capital ratio | 34.6570% | 369 |
| Memoranda: | ||
| Average total assets | $171,866,750 | 3,270 |
| Average earning assets | $162,371,000 | 3,212 |
| Average equity | $28,392,250 | 2,505 |
| Average total loans | $59,697,250 | 4,338 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4830% | 4,919 |
| Cost of funding earning assets | 0.3166% | 3,946 |
| Net interest margin | 3.1664% | 4,652 |
| Noninterest income to average assets | 0.4863% | 3,287 |
| Noninterest expense to average assets | 2.0272% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0205% | 2,295 |
| Return on assets (ROA) | 1.0393% | 2,347 |
| Pretax return on assets | 1.4789% | 1,744 |
| Return on Equity (ROE) | 6.3243% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.3243% | 1,947 |
| Net charge-offs to loans | 0.0200% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 318 |
| Efficiency ratio | 58.2661% | 4,867 |
| Assets per employee ($millions) | 5.4113% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4247% | 133 |
| Loan loss allowance to noncurrent loans | 104.8668% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 1,039 |
| Noncurrent loans to loans | 3.2657% | 426 |
| Net loans and leases to total assets | 33.3360% | 5,701 |
| Net loans and leases to deposits | 40.9122% | 5,657 |
| Net loans and leases to core deposits | 42.1141% | 5,678 |
| Total domestic deposits to total assets | 81.4820% | 4,144 |
| Equity capital to assets | 16.7116% | 465 |
| Core capital (leverage) ratio | 15.8210% | 487 |
| Tier 1 risk-based capital ratio | 33.0800% | 380 |
| Total risk-based capital ratio | 34.3441% | 375 |
| Memoranda: | ||
| Average total assets | $171,077,330 | 3,296 |
| Average earning assets | $161,698,330 | 3,246 |
| Average equity | $28,114,000 | 2,525 |
| Average total loans | $60,009,670 | 4,348 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 4,704 |
| Cost of funding earning assets | 0.3311% | 3,824 |
| Net interest margin | 3.2392% | 4,434 |
| Noninterest income to average assets | 0.4681% | 3,351 |
| Noninterest expense to average assets | 2.0208% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0586% | 2,056 |
| Return on assets (ROA) | 1.0751% | 2,104 |
| Pretax return on assets | 1.5314% | 1,502 |
| Return on Equity (ROE) | 6.5988% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.5988% | 2,084 |
| Net charge-offs to loans | 0.0067% | 2,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 641.0000% | 78 |
| Efficiency ratio | 57.2667% | 5,073 |
| Assets per employee ($millions) | 5.6767% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3975% | 152 |
| Loan loss allowance to noncurrent loans | 98.2767% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.8737% | 967 |
| Noncurrent loans to loans | 3.4571% | 396 |
| Net loans and leases to total assets | 34.2768% | 5,704 |
| Net loans and leases to deposits | 41.2832% | 5,672 |
| Net loans and leases to core deposits | 42.4146% | 5,700 |
| Total domestic deposits to total assets | 83.0284% | 3,882 |
| Equity capital to assets | 16.4837% | 480 |
| Core capital (leverage) ratio | 15.8470% | 493 |
| Tier 1 risk-based capital ratio | 32.9159% | 398 |
| Total risk-based capital ratio | 34.1804% | 393 |
| Memoranda: | ||
| Average total assets | $170,035,500 | 3,325 |
| Average earning assets | $160,657,000 | 3,273 |
| Average equity | $27,702,000 | 2,548 |
| Average total loans | $60,128,500 | 4,365 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 4,749 |
| Cost of funding earning assets | 0.3613% | 3,567 |
| Net interest margin | 3.2088% | 4,600 |
| Noninterest income to average assets | 0.6413% | 2,511 |
| Noninterest expense to average assets | 2.1454% | 5,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0992% | 1,932 |
| Return on assets (ROA) | 1.0873% | 2,044 |
| Pretax return on assets | 1.5090% | 1,526 |
| Return on Equity (ROE) | 6.6630% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.5413% | 2,056 |
| Net charge-offs to loans | 0.0575% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 71.4286% | 755 |
| Efficiency ratio | 58.4441% | 5,092 |
| Assets per employee ($millions) | 5.4764% | 1,833 |
| Cash dividends to net income (ytd only)* | 16.8350% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4314% | 138 |
| Loan loss allowance to noncurrent loans | 118.6705% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.7023% | 1,140 |
| Noncurrent loans to loans | 2.8915% | 575 |
| Net loans and leases to total assets | 34.0327% | 5,776 |
| Net loans and leases to deposits | 40.6877% | 5,752 |
| Net loans and leases to core deposits | 42.2186% | 5,759 |
| Total domestic deposits to total assets | 83.6437% | 3,619 |
| Equity capital to assets | 16.0995% | 510 |
| Core capital (leverage) ratio | 15.8025% | 488 |
| Tier 1 risk-based capital ratio | 32.2119% | 425 |
| Total risk-based capital ratio | 33.4769% | 417 |
| Memoranda: | ||
| Average total assets | $163,886,000 | 3,383 |
| Average earning assets | $154,729,400 | 3,332 |
| Average equity | $26,744,600 | 2,577 |
| Average total loans | $60,904,600 | 4,355 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5652% | 4,834 |
| Cost of funding earning assets | 0.3669% | 3,586 |
| Net interest margin | 3.1983% | 4,671 |
| Noninterest income to average assets | 0.6871% | 2,293 |
| Noninterest expense to average assets | 2.0876% | 5,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1552% | 1,814 |
| Return on assets (ROA) | 1.1394% | 1,936 |
| Pretax return on assets | 1.5975% | 1,388 |
| Return on Equity (ROE) | 6.9578% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.9578% | 1,712 |
| Net charge-offs to loans | 0.0044% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 985.2434% | 78 |
| Efficiency ratio | 56.3109% | 5,310 |
| Assets per employee ($millions) | 5.5269% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4567% | 158 |
| Loan loss allowance to noncurrent loans | 89.9138% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 2.0994% | 941 |
| Noncurrent loans to loans | 3.8445% | 362 |
| Net loans and leases to total assets | 35.1370% | 5,811 |
| Net loans and leases to deposits | 42.2768% | 5,795 |
| Net loans and leases to core deposits | 44.1692% | 5,788 |
| Total domestic deposits to total assets | 83.1118% | 3,774 |
| Equity capital to assets | 16.4944% | 491 |
| Core capital (leverage) ratio | 15.7741% | 522 |
| Tier 1 risk-based capital ratio | 32.4100% | 432 |
| Total risk-based capital ratio | 33.6762% | 424 |
| Memoranda: | ||
| Average total assets | $162,415,250 | 3,439 |
| Average earning assets | $153,368,250 | 3,379 |
| Average equity | $26,597,750 | 2,597 |
| Average total loans | $61,173,250 | 4,393 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5668% | 4,817 |
| Cost of funding earning assets | 0.3692% | 3,606 |
| Net interest margin | 3.1976% | 4,672 |
| Noninterest income to average assets | 0.7787% | 1,874 |
| Noninterest expense to average assets | 2.0969% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2036% | 1,591 |
| Return on assets (ROA) | 1.2115% | 1,643 |
| Pretax return on assets | 1.7113% | 1,062 |
| Return on Equity (ROE) | 7.4163% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.4163% | 1,511 |
| Net charge-offs to loans | -0.0195% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2253% | 5,495 |
| Assets per employee ($millions) | 5.3145% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3894% | 177 |
| Loan loss allowance to noncurrent loans | 71.0071% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.1402% | 990 |
| Noncurrent loans to loans | 4.7734% | 261 |
| Net loans and leases to total assets | 36.2287% | 5,806 |
| Net loans and leases to deposits | 43.3031% | 5,791 |
| Net loans and leases to core deposits | 45.2386% | 5,794 |
| Total domestic deposits to total assets | 83.6629% | 3,708 |
| Equity capital to assets | 16.0791% | 523 |
| Core capital (leverage) ratio | 16.0725% | 454 |
| Tier 1 risk-based capital ratio | 31.5225% | 473 |
| Total risk-based capital ratio | 32.7881% | 469 |
| Memoranda: | ||
| Average total assets | $161,284,330 | 3,470 |
| Average earning assets | $152,237,000 | 3,415 |
| Average equity | $26,347,330 | 2,628 |
| Average total loans | $61,449,000 | 4,424 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 4,791 |
| Cost of funding earning assets | 0.3777% | 3,556 |
| Net interest margin | 3.1867% | 4,659 |
| Noninterest income to average assets | 0.9727% | 1,181 |
| Noninterest expense to average assets | 2.1159% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3613% | 1,112 |
| Return on assets (ROA) | 1.3613% | 1,177 |
| Pretax return on assets | 1.8602% | 776 |
| Return on Equity (ROE) | 8.2661% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.2661% | 1,468 |
| Net charge-offs to loans | -0.0326% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2156% | 5,733 |
| Assets per employee ($millions) | 5.3520% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4284% | 192 |
| Loan loss allowance to noncurrent loans | 64.1828% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.4427% | 885 |
| Noncurrent loans to loans | 5.3417% | 229 |
| Net loans and leases to total assets | 36.7181% | 5,796 |
| Net loans and leases to deposits | 44.3424% | 5,744 |
| Net loans and leases to core deposits | 46.3979% | 5,737 |
| Total domestic deposits to total assets | 82.8059% | 4,232 |
| Equity capital to assets | 16.6516% | 474 |
| Core capital (leverage) ratio | 15.9431% | 473 |
| Tier 1 risk-based capital ratio | 31.1977% | 487 |
| Total risk-based capital ratio | 32.4644% | 484 |
| Memoranda: | ||
| Average total assets | $159,552,500 | 3,512 |
| Average earning assets | $150,373,500 | 3,461 |
| Average equity | $26,276,000 | 2,652 |
| Average total loans | $61,283,500 | 4,461 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 4,504 |
| Cost of funding earning assets | 0.4283% | 3,399 |
| Net interest margin | 3.3684% | 4,335 |
| Noninterest income to average assets | 0.5861% | 2,945 |
| Noninterest expense to average assets | 2.0784% | 5,621 |
| Loan and lease loss provision to assets | 0.0193% | 4,231 |
| Net operating income to assets | 1.1575% | 1,737 |
| Return on assets (ROA) | 1.1993% | 1,650 |
| Pretax return on assets | 1.7500% | 894 |
| Return on Equity (ROE) | 7.5379% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.3234% | 1,744 |
| Net charge-offs to loans | 0.7555% | 474 |
| Credit loss provision to net charge-offs | 6.5076% | 4,141 |
| Earnings coverage of net charge-offs (x) | 5.7549% | 3,361 |
| Efficiency ratio | 54.8810% | 5,772 |
| Assets per employee ($millions) | 5.2848% | 1,982 |
| Cash dividends to net income (ytd only)* | 16.1117% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3941% | 201 |
| Loan loss allowance to noncurrent loans | 67.4855% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.5627% | 888 |
| Noncurrent loans to loans | 5.0293% | 290 |
| Net loans and leases to total assets | 37.4855% | 5,881 |
| Net loans and leases to deposits | 44.9078% | 5,848 |
| Net loans and leases to core deposits | 47.0041% | 5,852 |
| Total domestic deposits to total assets | 83.4721% | 3,922 |
| Equity capital to assets | 16.2832% | 502 |
| Core capital (leverage) ratio | 15.7121% | 500 |
| Tier 1 risk-based capital ratio | 32.4456% | 418 |
| Total risk-based capital ratio | 33.7134% | 409 |
| Memoranda: | ||
| Average total assets | $155,260,200 | 3,561 |
| Average earning assets | $147,545,800 | 3,484 |
| Average equity | $24,702,000 | 2,695 |
| Average total loans | $61,022,200 | 4,459 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 4,493 |
| Cost of funding earning assets | 0.4349% | 3,419 |
| Net interest margin | 3.3785% | 4,322 |
| Noninterest income to average assets | 0.5974% | 2,890 |
| Noninterest expense to average assets | 2.0322% | 5,715 |
| Loan and lease loss provision to assets | 0.0259% | 3,890 |
| Net operating income to assets | 1.1787% | 1,754 |
| Return on assets (ROA) | 1.2320% | 1,633 |
| Pretax return on assets | 1.8380% | 818 |
| Return on Equity (ROE) | 7.7901% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.7901% | 1,455 |
| Net charge-offs to loans | 0.8320% | 399 |
| Credit loss provision to net charge-offs | 7.8947% | 3,733 |
| Earnings coverage of net charge-offs (x) | 5.4395% | 3,262 |
| Efficiency ratio | 53.2459% | 5,897 |
| Assets per employee ($millions) | 5.4536% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4698% | 234 |
| Loan loss allowance to noncurrent loans | 94.1840% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.9582% | 1,476 |
| Noncurrent loans to loans | 3.6841% | 623 |
| Net loans and leases to total assets | 38.1708% | 5,933 |
| Net loans and leases to deposits | 45.7816% | 5,878 |
| Net loans and leases to core deposits | 47.9328% | 5,886 |
| Total domestic deposits to total assets | 83.3758% | 4,005 |
| Equity capital to assets | 16.1550% | 538 |
| Core capital (leverage) ratio | 15.8218% | 504 |
| Tier 1 risk-based capital ratio | 33.4187% | 407 |
| Total risk-based capital ratio | 34.6900% | 398 |
| Memoranda: | ||
| Average total assets | $154,439,250 | 3,599 |
| Average earning assets | $147,164,500 | 3,520 |
| Average equity | $24,423,500 | 2,722 |
| Average total loans | $60,898,000 | 4,503 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,491 |
| Cost of funding earning assets | 0.4472% | 3,361 |
| Net interest margin | 3.3625% | 4,344 |
| Noninterest income to average assets | 0.5679% | 3,001 |
| Noninterest expense to average assets | 2.0718% | 5,683 |
| Loan and lease loss provision to assets | 0.0392% | 3,522 |
| Net operating income to assets | 1.1062% | 1,917 |
| Return on assets (ROA) | 1.1867% | 1,707 |
| Pretax return on assets | 1.7768% | 884 |
| Return on Equity (ROE) | 7.5599% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.5599% | 1,497 |
| Net charge-offs to loans | 1.3720% | 212 |
| Credit loss provision to net charge-offs | 7.2464% | 3,336 |
| Earnings coverage of net charge-offs (x) | 3.1377% | 3,384 |
| Efficiency ratio | 54.9896% | 5,830 |
| Assets per employee ($millions) | 5.2826% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5336% | 242 |
| Loan loss allowance to noncurrent loans | 56.2253% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 2.9570% | 865 |
| Noncurrent loans to loans | 6.2846% | 237 |
| Net loans and leases to total assets | 38.0646% | 5,954 |
| Net loans and leases to deposits | 46.2831% | 5,870 |
| Net loans and leases to core deposits | 48.6855% | 5,864 |
| Total domestic deposits to total assets | 82.2429% | 4,573 |
| Equity capital to assets | 16.3223% | 499 |
| Core capital (leverage) ratio | 15.9526% | 486 |
| Tier 1 risk-based capital ratio | 32.8417% | 417 |
| Total risk-based capital ratio | 34.1123% | 409 |
| Memoranda: | ||
| Average total assets | $153,200,670 | 3,633 |
| Average earning assets | $145,782,330 | 3,571 |
| Average equity | $24,048,000 | 2,754 |
| Average total loans | $60,351,000 | 4,537 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,537 |
| Cost of funding earning assets | 0.4535% | 3,391 |
| Net interest margin | 3.3343% | 4,402 |
| Noninterest income to average assets | 0.5875% | 2,806 |
| Noninterest expense to average assets | 2.0443% | 5,794 |
| Loan and lease loss provision to assets | 0.0783% | 2,582 |
| Net operating income to assets | 1.0992% | 1,818 |
| Return on assets (ROA) | 1.0992% | 1,880 |
| Pretax return on assets | 1.6318% | 1,104 |
| Return on Equity (ROE) | 7.1448% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.1448% | 1,959 |
| Net charge-offs to loans | 2.7462% | 78 |
| Credit loss provision to net charge-offs | 7.2464% | 2,630 |
| Earnings coverage of net charge-offs (x) | 1.5821% | 3,064 |
| Efficiency ratio | 54.4506% | 5,977 |
| Assets per employee ($millions) | 5.3086% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5924% | 249 |
| Loan loss allowance to noncurrent loans | 75.9701% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 2.5210% | 1,260 |
| Noncurrent loans to loans | 4.7287% | 489 |
| Net loans and leases to total assets | 37.2000% | 6,005 |
| Net loans and leases to deposits | 44.2892% | 5,961 |
| Net loans and leases to core deposits | 46.5446% | 5,959 |
| Total domestic deposits to total assets | 83.9934% | 4,278 |
| Equity capital to assets | 15.6013% | 587 |
| Core capital (leverage) ratio | 15.7752% | 505 |
| Tier 1 risk-based capital ratio | 28.2142% | 627 |
| Total risk-based capital ratio | 29.4799% | 612 |
| Memoranda: | ||
| Average total assets | $153,203,500 | 3,663 |
| Average earning assets | $145,519,500 | 3,596 |
| Average equity | $23,569,500 | 2,788 |
| Average total loans | $60,302,000 | 4,576 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 4,549 |
| Cost of funding earning assets | 0.5688% | 2,935 |
| Net interest margin | 3.3078% | 4,635 |
| Noninterest income to average assets | 0.5727% | 3,258 |
| Noninterest expense to average assets | 2.1212% | 5,785 |
| Loan and lease loss provision to assets | 0.2019% | 1,845 |
| Net operating income to assets | 0.8845% | 2,857 |
| Return on assets (ROA) | 0.8836% | 2,948 |
| Pretax return on assets | 1.3830% | 1,854 |
| Return on Equity (ROE) | 5.6009% | 4,328 |
| Retained earnings to average equity (ytd only) | 4.5345% | 2,943 |
| Net charge-offs to loans | 0.1229% | 3,578 |
| Credit loss provision to net charge-offs | 400.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 31.4267% | 1,137 |
| Efficiency ratio | 57.2155% | 5,823 |
| Assets per employee ($millions) | 5.2572% | 1,896 |
| Cash dividends to net income (ytd only)* | 19.0404% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1176% | 186 |
| Loan loss allowance to noncurrent loans | 75.9036% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.9083% | 1,097 |
| Noncurrent loans to loans | 5.4247% | 425 |
| Net loans and leases to total assets | 38.4899% | 6,056 |
| Net loans and leases to deposits | 45.4973% | 6,045 |
| Net loans and leases to core deposits | 47.9138% | 6,038 |
| Total domestic deposits to total assets | 84.5984% | 3,926 |
| Equity capital to assets | 15.1655% | 646 |
| Core capital (leverage) ratio | 15.5156% | 538 |
| Tier 1 risk-based capital ratio | 27.3463% | 651 |
| Total risk-based capital ratio | 28.6174% | 635 |
| Memoranda: | ||
| Average total assets | $148,593,200 | 3,731 |
| Average earning assets | $140,818,800 | 3,653 |
| Average equity | $23,442,600 | 2,779 |
| Average total loans | $61,030,600 | 4,578 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 4,550 |
| Cost of funding earning assets | 0.5945% | 2,856 |
| Net interest margin | 3.2939% | 4,662 |
| Noninterest income to average assets | 0.6232% | 3,022 |
| Noninterest expense to average assets | 2.0186% | 5,975 |
| Loan and lease loss provision to assets | 0.2032% | 1,784 |
| Net operating income to assets | 0.9829% | 2,455 |
| Return on assets (ROA) | 0.9817% | 2,561 |
| Pretax return on assets | 1.5173% | 1,554 |
| Return on Equity (ROE) | 6.1612% | 4,101 |
| Retained earnings to average equity (ytd only) | 6.1612% | 2,306 |
| Net charge-offs to loans | 0.1618% | 2,939 |
| Credit loss provision to net charge-offs | 304.0541% | 836 |
| Earnings coverage of net charge-offs (x) | 25.7713% | 1,373 |
| Efficiency ratio | 53.9594% | 6,103 |
| Assets per employee ($millions) | 5.1923% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0418% | 231 |
| Loan loss allowance to noncurrent loans | 86.4006% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.7952% | 1,341 |
| Noncurrent loans to loans | 4.6779% | 674 |
| Net loans and leases to total assets | 38.5661% | 6,137 |
| Net loans and leases to deposits | 45.9111% | 6,105 |
| Net loans and leases to core deposits | 48.0430% | 6,122 |
| Total domestic deposits to total assets | 84.0016% | 4,182 |
| Equity capital to assets | 15.6211% | 613 |
| Core capital (leverage) ratio | 15.6571% | 546 |
| Tier 1 risk-based capital ratio | 27.9689% | 636 |
| Total risk-based capital ratio | 29.2401% | 625 |
| Memoranda: | ||
| Average total assets | $147,627,000 | 3,786 |
| Average earning assets | $139,729,750 | 3,702 |
| Average equity | $23,523,000 | 2,801 |
| Average total loans | $60,988,000 | 4,620 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 4,544 |
| Cost of funding earning assets | 0.6117% | 2,831 |
| Net interest margin | 3.2703% | 4,687 |
| Noninterest income to average assets | 0.6478% | 2,924 |
| Noninterest expense to average assets | 2.0171% | 6,016 |
| Loan and lease loss provision to assets | 0.2046% | 1,851 |
| Net operating income to assets | 0.9851% | 2,390 |
| Return on assets (ROA) | 0.9833% | 2,546 |
| Pretax return on assets | 1.5221% | 1,554 |
| Return on Equity (ROE) | 6.1301% | 4,090 |
| Retained earnings to average equity (ytd only) | 6.1301% | 2,355 |
| Net charge-offs to loans | 0.0131% | 4,592 |
| Credit loss provision to net charge-offs | 3,750.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 317.0000% | 160 |
| Efficiency ratio | 53.8406% | 6,157 |
| Assets per employee ($millions) | 5.0205% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8902% | 278 |
| Loan loss allowance to noncurrent loans | 81.2521% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 3.0606% | 1,325 |
| Noncurrent loans to loans | 4.7878% | 697 |
| Net loans and leases to total assets | 41.4042% | 5,941 |
| Net loans and leases to deposits | 49.4200% | 5,888 |
| Net loans and leases to core deposits | 51.6693% | 5,915 |
| Total domestic deposits to total assets | 83.7802% | 4,420 |
| Equity capital to assets | 15.8626% | 546 |
| Core capital (leverage) ratio | 15.7549% | 488 |
| Tier 1 risk-based capital ratio | 27.8045% | 640 |
| Total risk-based capital ratio | 29.0751% | 628 |
| Memoranda: | ||
| Average total assets | $146,643,330 | 3,825 |
| Average earning assets | $138,946,000 | 3,738 |
| Average equity | $23,523,330 | 2,818 |
| Average total loans | $61,144,670 | 4,637 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,881 |
| Cost of funding earning assets | 0.6267% | 2,864 |
| Net interest margin | 3.1562% | 5,070 |
| Noninterest income to average assets | 0.6550% | 2,853 |
| Noninterest expense to average assets | 1.9868% | 6,128 |
| Loan and lease loss provision to assets | 0.2038% | 1,819 |
| Net operating income to assets | 0.9594% | 2,404 |
| Return on assets (ROA) | 0.9594% | 2,535 |
| Pretax return on assets | 1.4623% | 1,675 |
| Return on Equity (ROE) | 5.9484% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.9484% | 2,704 |
| Net charge-offs to loans | 0.0795% | 3,040 |
| Credit loss provision to net charge-offs | 625.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 51.0833% | 665 |
| Efficiency ratio | 54.3899% | 6,197 |
| Assets per employee ($millions) | 5.2145% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8920% | 315 |
| Loan loss allowance to noncurrent loans | 80.8854% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 3.0800% | 1,442 |
| Noncurrent loans to loans | 4.8118% | 810 |
| Net loans and leases to total assets | 39.8634% | 6,011 |
| Net loans and leases to deposits | 47.8639% | 5,929 |
| Net loans and leases to core deposits | 49.9177% | 5,979 |
| Total domestic deposits to total assets | 83.2849% | 4,767 |
| Equity capital to assets | 16.3651% | 509 |
| Core capital (leverage) ratio | 15.5995% | 503 |
| Tier 1 risk-based capital ratio | 28.3883% | 620 |
| Total risk-based capital ratio | 29.6590% | 608 |
| Memoranda: | ||
| Average total assets | $147,168,000 | 3,859 |
| Average earning assets | $139,789,000 | 3,769 |
| Average equity | $23,737,500 | 2,831 |
| Average total loans | $60,356,000 | 4,693 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 4,616 |
| Cost of funding earning assets | 0.7769% | 2,853 |
| Net interest margin | 3.4159% | 4,830 |
| Noninterest income to average assets | 0.4732% | 4,078 |
| Noninterest expense to average assets | 2.1404% | 6,049 |
| Loan and lease loss provision to assets | 0.3783% | 1,731 |
| Net operating income to assets | 0.8157% | 3,214 |
| Return on assets (ROA) | 0.8157% | 3,459 |
| Pretax return on assets | 1.1720% | 2,900 |
| Return on Equity (ROE) | 5.1121% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.0345% | 3,376 |
| Net charge-offs to loans | 0.1963% | 3,805 |
| Credit loss provision to net charge-offs | 450.8197% | 533 |
| Earnings coverage of net charge-offs (x) | 18.4754% | 1,434 |
| Efficiency ratio | 57.9948% | 5,827 |
| Assets per employee ($millions) | 5.2975% | 1,901 |
| Cash dividends to net income (ytd only)* | 21.0793% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8153% | 327 |
| Loan loss allowance to noncurrent loans | 78.5421% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 3.0473% | 1,551 |
| Noncurrent loans to loans | 4.8577% | 841 |
| Net loans and leases to total assets | 39.0056% | 6,228 |
| Net loans and leases to deposits | 46.5395% | 6,215 |
| Net loans and leases to core deposits | 48.4853% | 6,236 |
| Total domestic deposits to total assets | 83.8118% | 4,402 |
| Equity capital to assets | 15.8977% | 573 |
| Core capital (leverage) ratio | 15.2188% | 541 |
| Tier 1 risk-based capital ratio | 27.5037% | 661 |
| Total risk-based capital ratio | 28.7728% | 643 |
| Memoranda: | ||
| Average total assets | $145,392,000 | 3,855 |
| Average earning assets | $136,945,800 | 3,775 |
| Average equity | $23,200,000 | 2,828 |
| Average total loans | $62,162,400 | 4,628 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 4,529 |
| Cost of funding earning assets | 0.7996% | 2,941 |
| Net interest margin | 3.4798% | 4,714 |
| Noninterest income to average assets | 0.4903% | 3,982 |
| Noninterest expense to average assets | 2.1254% | 6,117 |
| Loan and lease loss provision to assets | 0.4839% | 1,278 |
| Net operating income to assets | 0.8028% | 3,438 |
| Return on assets (ROA) | 0.8028% | 3,683 |
| Pretax return on assets | 1.1540% | 3,149 |
| Return on Equity (ROE) | 5.0262% | 4,806 |
| Retained earnings to average equity (ytd only) | 5.0262% | 3,346 |
| Net charge-offs to loans | 0.4489% | 2,312 |
| Credit loss provision to net charge-offs | 248.8152% | 1,114 |
| Earnings coverage of net charge-offs (x) | 8.4217% | 2,446 |
| Efficiency ratio | 56.4781% | 5,996 |
| Assets per employee ($millions) | 5.2648% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5382% | 451 |
| Loan loss allowance to noncurrent loans | 115.7727% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 2.5371% | 2,082 |
| Noncurrent loans to loans | 3.0562% | 1,821 |
| Net loans and leases to total assets | 40.3173% | 6,254 |
| Net loans and leases to deposits | 48.3447% | 6,240 |
| Net loans and leases to core deposits | 50.5800% | 6,251 |
| Total domestic deposits to total assets | 83.3956% | 4,483 |
| Equity capital to assets | 16.1431% | 579 |
| Core capital (leverage) ratio | 15.1196% | 590 |
| Tier 1 risk-based capital ratio | 27.2393% | 724 |
| Total risk-based capital ratio | 28.5072% | 703 |
| Memoranda: | ||
| Average total assets | $144,657,500 | 3,908 |
| Average earning assets | $136,056,500 | 3,828 |
| Average equity | $23,104,750 | 2,866 |
| Average total loans | $62,665,000 | 4,653 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 4,342 |
| Cost of funding earning assets | 0.8192% | 3,040 |
| Net interest margin | 3.5417% | 4,499 |
| Noninterest income to average assets | 0.3228% | 5,243 |
| Noninterest expense to average assets | 2.1442% | 6,143 |
| Loan and lease loss provision to assets | 0.5218% | 1,200 |
| Net operating income to assets | 0.6999% | 3,871 |
| Return on assets (ROA) | 0.6999% | 4,138 |
| Pretax return on assets | 0.9837% | 3,776 |
| Return on Equity (ROE) | 4.3980% | 5,093 |
| Retained earnings to average equity (ytd only) | 4.3980% | 3,685 |
| Net charge-offs to loans | 0.3523% | 2,607 |
| Credit loss provision to net charge-offs | 337.8378% | 865 |
| Earnings coverage of net charge-offs (x) | 9.7477% | 2,134 |
| Efficiency ratio | 58.7495% | 5,765 |
| Assets per employee ($millions) | 4.9932% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4306% | 525 |
| Loan loss allowance to noncurrent loans | 109.9639% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 2.9288% | 1,890 |
| Noncurrent loans to loans | 3.1197% | 1,878 |
| Net loans and leases to total assets | 41.4076% | 6,241 |
| Net loans and leases to deposits | 49.5398% | 6,206 |
| Net loans and leases to core deposits | 52.8921% | 6,169 |
| Total domestic deposits to total assets | 83.5845% | 4,495 |
| Equity capital to assets | 16.0661% | 567 |
| Core capital (leverage) ratio | 15.1949% | 564 |
| Tier 1 risk-based capital ratio | 26.6495% | 756 |
| Total risk-based capital ratio | 27.9158% | 744 |
| Memoranda: | ||
| Average total assets | $143,739,000 | 3,938 |
| Average earning assets | $135,018,000 | 3,864 |
| Average equity | $22,874,000 | 2,868 |
| Average total loans | $63,015,670 | 4,673 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 4,244 |
| Cost of funding earning assets | 0.8523% | 3,046 |
| Net interest margin | 3.5671% | 4,409 |
| Noninterest income to average assets | 0.8575% | 1,917 |
| Noninterest expense to average assets | 2.2261% | 5,974 |
| Loan and lease loss provision to assets | 0.8379% | 561 |
| Net operating income to assets | 0.8491% | 3,166 |
| Return on assets (ROA) | 0.8491% | 3,404 |
| Pretax return on assets | 1.1368% | 3,176 |
| Return on Equity (ROE) | 5.3618% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.3618% | 3,334 |
| Net charge-offs to loans | 0.3214% | 2,363 |
| Credit loss provision to net charge-offs | 588.2353% | 581 |
| Earnings coverage of net charge-offs (x) | 13.8627% | 1,506 |
| Efficiency ratio | 52.9920% | 6,436 |
| Assets per employee ($millions) | 5.5261% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3665% | 590 |
| Loan loss allowance to noncurrent loans | 76.6304% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 3.9171% | 1,417 |
| Noncurrent loans to loans | 4.3932% | 1,342 |
| Net loans and leases to total assets | 42.2542% | 6,168 |
| Net loans and leases to deposits | 50.5079% | 6,097 |
| Net loans and leases to core deposits | 53.8477% | 6,069 |
| Total domestic deposits to total assets | 83.6586% | 4,652 |
| Equity capital to assets | 15.9120% | 590 |
| Core capital (leverage) ratio | 15.2638% | 563 |
| Tier 1 risk-based capital ratio | 26.3591% | 775 |
| Total risk-based capital ratio | 27.6255% | 761 |
| Memoranda: | ||
| Average total assets | $143,207,500 | 3,987 |
| Average earning assets | $134,228,000 | 3,911 |
| Average equity | $22,679,000 | 2,885 |
| Average total loans | $63,479,000 | 4,679 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 4,588 |
| Cost of funding earning assets | 1.0026% | 3,361 |
| Net interest margin | 3.6179% | 4,661 |
| Noninterest income to average assets | 0.7236% | 2,479 |
| Noninterest expense to average assets | 2.9099% | 3,922 |
| Loan and lease loss provision to assets | 0.9902% | 959 |
| Net operating income to assets | 0.0859% | 5,895 |
| Return on assets (ROA) | 0.1719% | 5,812 |
| Pretax return on assets | 0.3296% | 5,475 |
| Return on Equity (ROE) | 1.0855% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.0855% | 5,348 |
| Net charge-offs to loans | 1.4688% | 1,096 |
| Credit loss provision to net charge-offs | 144.7777% | 1,990 |
| Earnings coverage of net charge-offs (x) | 1.7332% | 4,474 |
| Efficiency ratio | 71.0535% | 3,773 |
| Assets per employee ($millions) | 5.4899% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9096% | 883 |
| Loan loss allowance to noncurrent loans | 88.7304% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 3.6255% | 1,619 |
| Noncurrent loans to loans | 3.2791% | 1,973 |
| Net loans and leases to total assets | 43.6236% | 6,245 |
| Net loans and leases to deposits | 52.0005% | 6,216 |
| Net loans and leases to core deposits | 55.4485% | 6,196 |
| Total domestic deposits to total assets | 83.8907% | 4,363 |
| Equity capital to assets | 15.7605% | 621 |
| Core capital (leverage) ratio | 15.0502% | 597 |
| Tier 1 risk-based capital ratio | 25.8572% | 792 |
| Total risk-based capital ratio | 27.1196% | 778 |
| Memoranda: | ||
| Average total assets | $141,379,400 | 3,950 |
| Average earning assets | $131,762,200 | 3,898 |
| Average equity | $22,386,000 | 2,849 |
| Average total loans | $65,835,800 | 4,637 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 4,429 |
| Cost of funding earning assets | 1.0336% | 3,440 |
| Net interest margin | 3.6733% | 4,455 |
| Noninterest income to average assets | 0.6873% | 2,683 |
| Noninterest expense to average assets | 2.3473% | 5,909 |
| Loan and lease loss provision to assets | 1.1108% | 736 |
| Net operating income to assets | 0.4528% | 4,760 |
| Return on assets (ROA) | 0.5322% | 4,586 |
| Pretax return on assets | 0.7629% | 4,266 |
| Return on Equity (ROE) | 3.3573% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.3573% | 4,337 |
| Net charge-offs to loans | 1.2737% | 1,219 |
| Credit loss provision to net charge-offs | 185.6240% | 1,581 |
| Earnings coverage of net charge-offs (x) | 2.9415% | 3,673 |
| Efficiency ratio | 57.1461% | 6,122 |
| Assets per employee ($millions) | 5.0726% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0338% | 842 |
| Loan loss allowance to noncurrent loans | 59.3628% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 4.7954% | 1,219 |
| Noncurrent loans to loans | 5.1106% | 1,201 |
| Net loans and leases to total assets | 44.4439% | 6,290 |
| Net loans and leases to deposits | 53.3867% | 6,261 |
| Net loans and leases to core deposits | 56.3838% | 6,286 |
| Total domestic deposits to total assets | 83.2490% | 4,587 |
| Equity capital to assets | 16.1885% | 599 |
| Core capital (leverage) ratio | 15.2266% | 623 |
| Tier 1 risk-based capital ratio | 25.8173% | 852 |
| Total risk-based capital ratio | 27.0805% | 827 |
| Memoranda: | ||
| Average total assets | $141,040,000 | 3,973 |
| Average earning assets | $131,323,500 | 3,929 |
| Average equity | $22,358,500 | 2,848 |
| Average total loans | $66,261,500 | 4,665 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 4,603 |
| Cost of funding earning assets | 1.0605% | 3,538 |
| Net interest margin | 3.6245% | 4,631 |
| Noninterest income to average assets | 0.6240% | 2,983 |
| Noninterest expense to average assets | 2.3765% | 5,914 |
| Loan and lease loss provision to assets | 1.0305% | 833 |
| Net operating income to assets | 0.4131% | 4,883 |
| Return on assets (ROA) | 0.4747% | 4,758 |
| Pretax return on assets | 0.6766% | 4,475 |
| Return on Equity (ROE) | 3.0162% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.0162% | 4,357 |
| Net charge-offs to loans | 1.3024% | 1,177 |
| Credit loss provision to net charge-offs | 167.0507% | 1,812 |
| Earnings coverage of net charge-offs (x) | 2.6244% | 3,517 |
| Efficiency ratio | 59.4806% | 5,944 |
| Assets per employee ($millions) | 4.8188% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5892% | 1,325 |
| Loan loss allowance to noncurrent loans | 34.2539% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 6.0539% | 926 |
| Noncurrent loans to loans | 7.5590% | 630 |
| Net loans and leases to total assets | 46.4124% | 6,223 |
| Net loans and leases to deposits | 55.6004% | 6,169 |
| Net loans and leases to core deposits | 59.1893% | 6,170 |
| Total domestic deposits to total assets | 83.4749% | 4,556 |
| Equity capital to assets | 16.1852% | 589 |
| Core capital (leverage) ratio | 15.3152% | 617 |
| Tier 1 risk-based capital ratio | 25.3527% | 872 |
| Total risk-based capital ratio | 26.6123% | 855 |
| Memoranda: | ||
| Average total assets | $140,709,000 | 4,013 |
| Average earning assets | $130,885,330 | 3,963 |
| Average equity | $22,147,000 | 2,859 |
| Average total loans | $66,648,670 | 4,697 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 4,928 |
| Cost of funding earning assets | 1.0946% | 3,561 |
| Net interest margin | 3.5094% | 4,966 |
| Noninterest income to average assets | 0.5978% | 3,182 |
| Noninterest expense to average assets | 2.3316% | 6,103 |
| Loan and lease loss provision to assets | 0.7791% | 1,095 |
| Net operating income to assets | 0.6261% | 3,889 |
| Return on assets (ROA) | 0.6261% | 3,953 |
| Pretax return on assets | 0.7479% | 4,104 |
| Return on Equity (ROE) | 4.0344% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.0344% | 3,747 |
| Net charge-offs to loans | 0.4679% | 2,299 |
| Credit loss provision to net charge-offs | 352.5641% | 931 |
| Earnings coverage of net charge-offs (x) | 6.9103% | 2,031 |
| Efficiency ratio | 60.4258% | 5,918 |
| Assets per employee ($millions) | 4.8147% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4636% | 1,512 |
| Loan loss allowance to noncurrent loans | 31.3462% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 6.3714% | 882 |
| Noncurrent loans to loans | 7.8594% | 645 |
| Net loans and leases to total assets | 46.2188% | 6,267 |
| Net loans and leases to deposits | 55.1456% | 6,203 |
| Net loans and leases to core deposits | 58.8579% | 6,188 |
| Total domestic deposits to total assets | 83.8124% | 4,562 |
| Equity capital to assets | 15.8181% | 604 |
| Core capital (leverage) ratio | 15.2288% | 619 |
| Tier 1 risk-based capital ratio | 25.0167% | 874 |
| Total risk-based capital ratio | 26.2745% | 857 |
| Memoranda: | ||
| Average total assets | $141,191,000 | 4,043 |
| Average earning assets | $131,192,000 | 3,994 |
| Average equity | $21,911,500 | 2,877 |
| Average total loans | $66,681,500 | 4,746 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 5,163 |
| Cost of funding earning assets | 1.2937% | 3,922 |
| Net interest margin | 3.5734% | 4,950 |
| Noninterest income to average assets | 0.6929% | 2,883 |
| Noninterest expense to average assets | 2.5258% | 5,698 |
| Loan and lease loss provision to assets | 1.3808% | 1,088 |
| Net operating income to assets | 0.1157% | 5,547 |
| Return on assets (ROA) | 0.1824% | 5,499 |
| Pretax return on assets | 0.2197% | 5,442 |
| Return on Equity (ROE) | 1.1720% | 5,655 |
| Retained earnings to average equity (ytd only) | 0.0407% | 5,560 |
| Net charge-offs to loans | 2.2567% | 859 |
| Credit loss provision to net charge-offs | 120.7512% | 3,486 |
| Earnings coverage of net charge-offs (x) | 1.3294% | 4,777 |
| Efficiency ratio | 62.4260% | 5,653 |
| Assets per employee ($millions) | 4.9227% | 2,253 |
| Cash dividends to net income (ytd only)* | 96.5251% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 1,998 |
| Loan loss allowance to noncurrent loans | 33.9815% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 5.6011% | 1,099 |
| Noncurrent loans to loans | 6.2753% | 976 |
| Net loans and leases to total assets | 46.0692% | 6,554 |
| Net loans and leases to deposits | 55.0195% | 6,518 |
| Net loans and leases to core deposits | 58.5272% | 6,518 |
| Total domestic deposits to total assets | 83.7325% | 4,489 |
| Equity capital to assets | 15.2266% | 737 |
| Core capital (leverage) ratio | 14.9627% | 670 |
| Tier 1 risk-based capital ratio | 24.1438% | 921 |
| Total risk-based capital ratio | 25.3989% | 903 |
| Memoranda: | ||
| Average total assets | $142,016,200 | 4,020 |
| Average earning assets | $133,264,000 | 3,952 |
| Average equity | $22,099,000 | 2,863 |
| Average total loans | $71,965,000 | 4,607 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 5,295 |
| Cost of funding earning assets | 1.3309% | 4,033 |
| Net interest margin | 3.5631% | 5,049 |
| Noninterest income to average assets | 0.6759% | 2,975 |
| Noninterest expense to average assets | 2.5006% | 5,713 |
| Loan and lease loss provision to assets | 1.5915% | 810 |
| Net operating income to assets | -0.0639% | 6,131 |
| Return on assets (ROA) | 0.0432% | 6,031 |
| Pretax return on assets | 0.0432% | 6,016 |
| Return on Equity (ROE) | 0.2764% | 6,059 |
| Retained earnings to average equity (ytd only) | 0.2764% | 5,675 |
| Net charge-offs to loans | 2.6682% | 612 |
| Credit loss provision to net charge-offs | 115.6421% | 3,607 |
| Earnings coverage of net charge-offs (x) | 1.1100% | 4,949 |
| Efficiency ratio | 62.0770% | 5,608 |
| Assets per employee ($millions) | 4.8865% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8827% | 2,537 |
| Loan loss allowance to noncurrent loans | 19.4253% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 6.6023% | 856 |
| Noncurrent loans to loans | 9.6918% | 454 |
| Net loans and leases to total assets | 48.7294% | 6,457 |
| Net loans and leases to deposits | 58.5471% | 6,421 |
| Net loans and leases to core deposits | 62.2063% | 6,447 |
| Total domestic deposits to total assets | 83.2311% | 4,490 |
| Equity capital to assets | 15.7075% | 728 |
| Core capital (leverage) ratio | 14.6856% | 776 |
| Tier 1 risk-based capital ratio | 23.9993% | 946 |
| Total risk-based capital ratio | 25.2527% | 921 |
| Memoranda: | ||
| Average total assets | $141,831,000 | 4,082 |
| Average earning assets | $133,439,250 | 3,998 |
| Average equity | $22,189,500 | 2,901 |
| Average total loans | $73,156,250 | 4,634 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 4,766 |
| Cost of funding earning assets | 1.3738% | 4,035 |
| Net interest margin | 3.6619% | 4,534 |
| Noninterest income to average assets | 0.6555% | 2,979 |
| Noninterest expense to average assets | 2.3669% | 6,161 |
| Loan and lease loss provision to assets | 0.9516% | 1,541 |
| Net operating income to assets | 0.6148% | 3,813 |
| Return on assets (ROA) | 0.7401% | 3,384 |
| Pretax return on assets | 0.9473% | 3,321 |
| Return on Equity (ROE) | 4.7369% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.7369% | 3,058 |
| Net charge-offs to loans | 0.2673% | 4,005 |
| Credit loss provision to net charge-offs | 681.8182% | 547 |
| Earnings coverage of net charge-offs (x) | 12.4545% | 1,677 |
| Efficiency ratio | 57.6580% | 6,431 |
| Assets per employee ($millions) | 4.7080% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2184% | 1,726 |
| Loan loss allowance to noncurrent loans | 17.5932% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 7.9156% | 626 |
| Noncurrent loans to loans | 12.6095% | 248 |
| Net loans and leases to total assets | 52.1474% | 6,197 |
| Net loans and leases to deposits | 62.8793% | 6,146 |
| Net loans and leases to core deposits | 66.7032% | 6,189 |
| Total domestic deposits to total assets | 82.9326% | 4,601 |
| Equity capital to assets | 15.9749% | 673 |
| Core capital (leverage) ratio | 15.3390% | 662 |
| Tier 1 risk-based capital ratio | 23.7217% | 971 |
| Total risk-based capital ratio | 24.9792% | 952 |
| Memoranda: | ||
| Average total assets | $141,871,670 | 4,098 |
| Average earning assets | $133,646,670 | 4,028 |
| Average equity | $22,166,330 | 2,906 |
| Average total loans | $74,082,000 | 4,639 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 4,564 |
| Cost of funding earning assets | 1.4326% | 3,971 |
| Net interest margin | 3.6607% | 4,434 |
| Noninterest income to average assets | 0.6048% | 3,251 |
| Noninterest expense to average assets | 2.3378% | 6,289 |
| Loan and lease loss provision to assets | 0.9846% | 1,265 |
| Net operating income to assets | 0.5713% | 4,028 |
| Return on assets (ROA) | 0.8215% | 2,968 |
| Pretax return on assets | 1.0465% | 2,914 |
| Return on Equity (ROE) | 5.3168% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.3168% | 2,977 |
| Net charge-offs to loans | 0.4138% | 2,805 |
| Credit loss provision to net charge-offs | 460.5263% | 916 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,001 |
| Efficiency ratio | 57.7484% | 6,520 |
| Assets per employee ($millions) | 4.7153% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8527% | 2,569 |
| Loan loss allowance to noncurrent loans | 25.0365% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 5.2891% | 1,187 |
| Noncurrent loans to loans | 7.4000% | 779 |
| Net loans and leases to total assets | 51.3050% | 6,341 |
| Net loans and leases to deposits | 61.6001% | 6,316 |
| Net loans and leases to core deposits | 65.3661% | 6,335 |
| Total domestic deposits to total assets | 83.2871% | 4,481 |
| Equity capital to assets | 15.6383% | 735 |
| Core capital (leverage) ratio | 15.2844% | 692 |
| Tier 1 risk-based capital ratio | 23.4550% | 1,017 |
| Total risk-based capital ratio | 24.7085% | 992 |
| Memoranda: | ||
| Average total assets | $142,187,500 | 4,157 |
| Average earning assets | $133,746,000 | 4,079 |
| Average equity | $21,968,000 | 2,951 |
| Average total loans | $73,461,000 | 4,736 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 5,431 |
| Cost of funding earning assets | 1.8233% | 3,866 |
| Net interest margin | 3.4240% | 5,272 |
| Noninterest income to average assets | 0.7437% | 2,714 |
| Noninterest expense to average assets | 2.4122% | 6,431 |
| Loan and lease loss provision to assets | 0.7012% | 3,016 |
| Net operating income to assets | 0.7693% | 2,639 |
| Return on assets (ROA) | 0.8113% | 2,574 |
| Pretax return on assets | 0.9306% | 2,825 |
| Return on Equity (ROE) | 5.2489% | 3,561 |
| Retained earnings to average equity (ytd only) | 4.0856% | 2,358 |
| Net charge-offs to loans | 1.4077% | 1,784 |
| Credit loss provision to net charge-offs | 92.0680% | 5,937 |
| Earnings coverage of net charge-offs (x) | 2.0793% | 4,175 |
| Efficiency ratio | 60.3672% | 6,424 |
| Assets per employee ($millions) | 4.9281% | 2,310 |
| Cash dividends to net income (ytd only)* | 22.1631% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,714 |
| Loan loss allowance to noncurrent loans | 20.7497% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 5.0757% | 1,202 |
| Noncurrent loans to loans | 7.2380% | 748 |
| Net loans and leases to total assets | 50.2956% | 6,608 |
| Net loans and leases to deposits | 59.6163% | 6,663 |
| Net loans and leases to core deposits | 73.1015% | 6,592 |
| Total domestic deposits to total assets | 84.3655% | 3,854 |
| Equity capital to assets | 15.2636% | 850 |
| Core capital (leverage) ratio | 14.9438% | 800 |
| Tier 1 risk-based capital ratio | 22.9759% | 1,044 |
| Total risk-based capital ratio | 24.1686% | 1,026 |
| Memoranda: | ||
| Average total assets | $139,043,400 | 4,142 |
| Average earning assets | $132,067,000 | 4,045 |
| Average equity | $21,490,200 | 3,011 |
| Average total loans | $75,231,200 | 4,676 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2727% | 5,556 |
| Cost of funding earning assets | 1.8786% | 3,999 |
| Net interest margin | 3.3941% | 5,296 |
| Noninterest income to average assets | 0.7435% | 2,743 |
| Noninterest expense to average assets | 2.4266% | 6,329 |
| Loan and lease loss provision to assets | 0.6518% | 2,799 |
| Net operating income to assets | 0.7510% | 3,020 |
| Return on assets (ROA) | 0.8053% | 2,854 |
| Pretax return on assets | 0.9608% | 3,023 |
| Return on Equity (ROE) | 5.1939% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.1939% | 2,377 |
| Net charge-offs to loans | 0.2515% | 4,475 |
| Credit loss provision to net charge-offs | 472.0280% | 832 |
| Earnings coverage of net charge-offs (x) | 11.2099% | 1,875 |
| Efficiency ratio | 61.0544% | 6,261 |
| Assets per employee ($millions) | 4.8781% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 1,323 |
| Loan loss allowance to noncurrent loans | 30.0193% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 4.7906% | 1,241 |
| Noncurrent loans to loans | 7.5803% | 673 |
| Net loans and leases to total assets | 51.9715% | 6,597 |
| Net loans and leases to deposits | 61.9002% | 6,682 |
| Net loans and leases to core deposits | 76.2155% | 6,595 |
| Total domestic deposits to total assets | 83.9601% | 3,743 |
| Equity capital to assets | 15.5154% | 885 |
| Core capital (leverage) ratio | 15.3960% | 789 |
| Tier 1 risk-based capital ratio | 22.9816% | 1,112 |
| Total risk-based capital ratio | 24.2394% | 1,078 |
| Memoranda: | ||
| Average total assets | $138,075,500 | 4,184 |
| Average earning assets | $131,441,250 | 4,079 |
| Average equity | $21,409,250 | 3,038 |
| Average total loans | $75,795,000 | 4,705 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3381% | 5,459 |
| Cost of funding earning assets | 1.9442% | 4,038 |
| Net interest margin | 3.3939% | 5,194 |
| Noninterest income to average assets | 0.7069% | 2,952 |
| Noninterest expense to average assets | 2.3805% | 6,523 |
| Loan and lease loss provision to assets | 0.6937% | 2,348 |
| Net operating income to assets | 0.7274% | 3,144 |
| Return on assets (ROA) | 0.8105% | 2,911 |
| Pretax return on assets | 0.9580% | 3,151 |
| Return on Equity (ROE) | 5.2286% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.2286% | 2,381 |
| Net charge-offs to loans | 0.2843% | 3,770 |
| Credit loss provision to net charge-offs | 439.8148% | 1,055 |
| Earnings coverage of net charge-offs (x) | 9.8519% | 2,066 |
| Efficiency ratio | 60.5048% | 6,468 |
| Assets per employee ($millions) | 4.4727% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 1,531 |
| Loan loss allowance to noncurrent loans | 32.0091% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 4.5893% | 1,208 |
| Noncurrent loans to loans | 6.3076% | 857 |
| Net loans and leases to total assets | 55.9505% | 6,212 |
| Net loans and leases to deposits | 67.0199% | 6,290 |
| Net loans and leases to core deposits | 82.4384% | 6,205 |
| Total domestic deposits to total assets | 83.4835% | 4,021 |
| Equity capital to assets | 15.8361% | 854 |
| Core capital (leverage) ratio | 15.3726% | 843 |
| Tier 1 risk-based capital ratio | 22.6987% | 1,170 |
| Total risk-based capital ratio | 23.9543% | 1,137 |
| Memoranda: | ||
| Average total assets | $136,945,330 | 4,237 |
| Average earning assets | $130,233,670 | 4,129 |
| Average equity | $21,229,330 | 3,069 |
| Average total loans | $75,982,000 | 4,735 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 6,097 |
| Cost of funding earning assets | 1.9750% | 4,261 |
| Net interest margin | 3.2795% | 5,576 |
| Noninterest income to average assets | 0.6333% | 3,325 |
| Noninterest expense to average assets | 2.2642% | 6,647 |
| Loan and lease loss provision to assets | 0.6506% | 1,941 |
| Net operating income to assets | 0.7576% | 3,313 |
| Return on assets (ROA) | 0.7576% | 3,489 |
| Pretax return on assets | 0.8444% | 3,910 |
| Return on Equity (ROE) | 4.9389% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.9389% | 3,166 |
| Net charge-offs to loans | 0.4547% | 2,317 |
| Credit loss provision to net charge-offs | 261.6279% | 1,808 |
| Earnings coverage of net charge-offs (x) | 6.0116% | 2,564 |
| Efficiency ratio | 60.2308% | 6,370 |
| Assets per employee ($millions) | 4.5819% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 1,966 |
| Loan loss allowance to noncurrent loans | 28.2804% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 4.3570% | 1,120 |
| Noncurrent loans to loans | 6.2079% | 745 |
| Net loans and leases to total assets | 53.6979% | 6,502 |
| Net loans and leases to deposits | 63.9943% | 6,562 |
| Net loans and leases to core deposits | 78.4322% | 6,504 |
| Total domestic deposits to total assets | 83.9105% | 3,749 |
| Equity capital to assets | 15.5766% | 954 |
| Core capital (leverage) ratio | 14.9642% | 981 |
| Tier 1 risk-based capital ratio | 22.5233% | 1,245 |
| Total risk-based capital ratio | 23.7761% | 1,215 |
| Memoranda: | ||
| Average total assets | $138,327,500 | 4,225 |
| Average earning assets | $131,848,000 | 4,110 |
| Average equity | $21,219,500 | 3,087 |
| Average total loans | $75,662,000 | 4,774 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8889% | 6,093 |
| Cost of funding earning assets | 2.4873% | 4,273 |
| Net interest margin | 3.4016% | 5,657 |
| Noninterest income to average assets | 0.8275% | 2,367 |
| Noninterest expense to average assets | 2.3862% | 6,443 |
| Loan and lease loss provision to assets | 0.6238% | 2,336 |
| Net operating income to assets | 0.7250% | 3,783 |
| Return on assets (ROA) | 0.8147% | 3,208 |
| Pretax return on assets | 1.1424% | 2,865 |
| Return on Equity (ROE) | 5.3789% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.1384% | 2,552 |
| Net charge-offs to loans | 0.5986% | 2,036 |
| Credit loss provision to net charge-offs | 182.0175% | 2,746 |
| Earnings coverage of net charge-offs (x) | 4.7851% | 3,857 |
| Efficiency ratio | 59.2682% | 6,481 |
| Assets per employee ($millions) | 4.6400% | 2,418 |
| Cash dividends to net income (ytd only)* | 23.0627% | 4,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 2,459 |
| Loan loss allowance to noncurrent loans | 28.8227% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 3.7838% | 1,133 |
| Noncurrent loans to loans | 5.3731% | 778 |
| Net loans and leases to total assets | 53.8898% | 6,671 |
| Net loans and leases to deposits | 63.8569% | 6,810 |
| Net loans and leases to core deposits | 76.8161% | 6,809 |
| Total domestic deposits to total assets | 84.3914% | 3,132 |
| Equity capital to assets | 15.1064% | 1,135 |
| Core capital (leverage) ratio | 14.7904% | 1,077 |
| Tier 1 risk-based capital ratio | 23.0872% | 1,181 |
| Total risk-based capital ratio | 24.3388% | 1,157 |
| Memoranda: | ||
| Average total assets | $133,058,800 | 4,218 |
| Average earning assets | $125,117,800 | 4,153 |
| Average equity | $20,152,800 | 3,208 |
| Average total loans | $76,183,600 | 4,646 |