Home > Jonah Bank of Wyoming > Performance and Condition Ratios
Jonah 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 | 5.1995% | 1,662 |
| Cost of funding earning assets | 1.1331% | 2,977 |
| Net interest margin | 4.0664% | 1,111 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.5606% | 2,123 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4780% | 1,059 |
| Return on assets (ROA) | 1.4780% | 1,033 |
| Pretax return on assets | 1.8656% | 810 |
| Return on Equity (ROE) | 17.6500% | 867 |
| Retained earnings to average equity (ytd only) | 1.2515% | 3,770 |
| Net charge-offs to loans | 0.0012% | 2,810 |
| Credit loss provision to net charge-offs | 2,250.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 2,474.2500% | 59 |
| Efficiency ratio | 57.6798% | 3,328 |
| Assets per employee ($millions) | 6.0381% | 2,782 |
| Cash dividends to net income (ytd only)* | 92.9104% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 612 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.0800% | 2,665 |
| Net loans and leases to deposits | 68.4156% | 2,995 |
| Net loans and leases to core deposits | 69.0298% | 3,355 |
| Total domestic deposits to total assets | 90.7500% | 569 |
| Equity capital to assets | 8.3660% | 3,144 |
| Core capital (leverage) ratio | 9.3073% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $526,790,200 | 1,669 |
| Average earning assets | $492,525,000 | 1,657 |
| Average equity | $44,106,200 | 1,756 |
| Average total loans | $324,688,400 | 1,704 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 1,676 |
| Cost of funding earning assets | 1.0741% | 2,818 |
| Net interest margin | 4.0009% | 1,211 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.5724% | 2,025 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4131% | 1,290 |
| Return on assets (ROA) | 1.4131% | 1,274 |
| Pretax return on assets | 1.7836% | 1,033 |
| Return on Equity (ROE) | 16.8700% | 1,097 |
| Retained earnings to average equity (ytd only) | 10.7304% | 1,205 |
| Net charge-offs to loans | 0.0016% | 2,530 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 1,793.7500% | 80 |
| Efficiency ratio | 58.7050% | 3,118 |
| Assets per employee ($millions) | 5.9770% | 2,783 |
| Cash dividends to net income (ytd only)* | 36.4091% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 678 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.4700% | 2,508 |
| Net loans and leases to deposits | 70.2853% | 2,827 |
| Net loans and leases to core deposits | 70.8275% | 3,171 |
| Total domestic deposits to total assets | 90.3000% | 860 |
| Equity capital to assets | 8.6316% | 2,642 |
| Core capital (leverage) ratio | 10.0649% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $528,668,000 | 1,671 |
| Average earning assets | $494,148,500 | 1,648 |
| Average equity | $44,272,000 | 1,739 |
| Average total loans | $323,840,750 | 1,705 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9465% | 1,662 |
| Cost of funding earning assets | 0.9963% | 2,613 |
| Net interest margin | 3.9503% | 1,327 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.4999% | 2,208 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4057% | 1,314 |
| Return on assets (ROA) | 1.4057% | 1,298 |
| Pretax return on assets | 1.7742% | 1,062 |
| Return on Equity (ROE) | 16.9500% | 1,106 |
| Retained earnings to average equity (ytd only) | 11.9123% | 999 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.1126% | 3,179 |
| Assets per employee ($millions) | 5.9240% | 2,776 |
| Cash dividends to net income (ytd only)* | 29.7333% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 727 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.1000% | 2,372 |
| Net loans and leases to deposits | 71.1025% | 2,708 |
| Net loans and leases to core deposits | 71.8149% | 3,021 |
| Total domestic deposits to total assets | 90.1500% | 885 |
| Equity capital to assets | 8.8134% | 2,650 |
| Core capital (leverage) ratio | 9.8214% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $533,551,000 | 1,659 |
| Average earning assets | $500,876,000 | 1,631 |
| Average equity | $44,240,000 | 1,743 |
| Average total loans | $321,146,333 | 1,700 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 1,570 |
| Cost of funding earning assets | 0.7859% | 2,788 |
| Net interest margin | 4.0384% | 1,197 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.4333% | 2,429 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4465% | 1,295 |
| Return on assets (ROA) | 1.4465% | 1,265 |
| Pretax return on assets | 1.8248% | 1,026 |
| Return on Equity (ROE) | 17.9700% | 1,033 |
| Retained earnings to average equity (ytd only) | 17.9733% | 515 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2733% | 3,378 |
| Assets per employee ($millions) | 6.2954% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 666 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.3800% | 2,923 |
| Net loans and leases to deposits | 63.3029% | 3,143 |
| Net loans and leases to core deposits | 63.9707% | 3,345 |
| Total domestic deposits to total assets | 90.6400% | 931 |
| Equity capital to assets | 8.2703% | 3,063 |
| Core capital (leverage) ratio | 9.2180% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $545,596,500 | 1,639 |
| Average earning assets | $513,574,500 | 1,612 |
| Average equity | $43,909,500 | 1,769 |
| Average total loans | $315,601,000 | 1,738 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 2,243 |
| Cost of funding earning assets | 0.2813% | 3,028 |
| Net interest margin | 3.5317% | 1,834 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.4481% | 2,272 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3724% | 1,204 |
| Return on assets (ROA) | 1.3724% | 1,162 |
| Pretax return on assets | 1.7320% | 855 |
| Return on Equity (ROE) | 16.5100% | 957 |
| Retained earnings to average equity (ytd only) | 7.1978% | 2,145 |
| Net charge-offs to loans | 0.0020% | 2,464 |
| Credit loss provision to net charge-offs | 6,000.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,580.1667% | 109 |
| Efficiency ratio | 57.6230% | 3,396 |
| Assets per employee ($millions) | 6.4681% | 2,361 |
| Cash dividends to net income (ytd only)* | 56.3996% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 683 |
| Loan loss allowance to noncurrent loans | 2,074.4444% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 3,314 |
| Noncurrent loans to loans | 0.0858% | 3,142 |
| Net loans and leases to total assets | 56.2500% | 3,006 |
| Net loans and leases to deposits | 61.6270% | 3,225 |
| Net loans and leases to core deposits | 62.5838% | 3,354 |
| Total domestic deposits to total assets | 91.2800% | 848 |
| Equity capital to assets | 7.8290% | 3,165 |
| Core capital (leverage) ratio | 8.8197% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $526,613,200 | 1,666 |
| Average earning assets | $493,754,200 | 1,648 |
| Average equity | $43,777,200 | 1,792 |
| Average total loans | $301,885,400 | 1,713 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 2,568 |
| Cost of funding earning assets | 0.1642% | 3,689 |
| Net interest margin | 3.3517% | 2,129 |
| Noninterest income to average assets | 1.0700% | 603 |
| Noninterest expense to average assets | 2.4689% | 2,097 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3053% | 1,333 |
| Return on assets (ROA) | 1.3053% | 1,299 |
| Pretax return on assets | 1.6474% | 1,009 |
| Return on Equity (ROE) | 15.4600% | 1,088 |
| Retained earnings to average equity (ytd only) | 11.9680% | 799 |
| Net charge-offs to loans | 0.0027% | 2,159 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 1,132.5000% | 128 |
| Efficiency ratio | 58.6654% | 3,305 |
| Assets per employee ($millions) | 6.0512% | 2,718 |
| Cash dividends to net income (ytd only)* | 22.6123% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 712 |
| Loan loss allowance to noncurrent loans | 2,074.4444% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,371 |
| Noncurrent loans to loans | 0.0875% | 3,252 |
| Net loans and leases to total assets | 57.5600% | 2,753 |
| Net loans and leases to deposits | 63.0275% | 2,940 |
| Net loans and leases to core deposits | 63.9459% | 3,123 |
| Total domestic deposits to total assets | 91.3200% | 1,112 |
| Equity capital to assets | 8.2068% | 2,753 |
| Core capital (leverage) ratio | 9.5208% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $520,819,250 | 1,690 |
| Average earning assets | $487,893,500 | 1,670 |
| Average equity | $43,960,750 | 1,813 |
| Average total loans | $298,642,000 | 1,715 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 2,830 |
| Cost of funding earning assets | 0.0979% | 4,211 |
| Net interest margin | 3.1736% | 2,272 |
| Noninterest income to average assets | 1.1246% | 530 |
| Noninterest expense to average assets | 2.4951% | 1,946 |
| Loan and lease loss provision to assets | 0.0925% | 1,072 |
| Net operating income to assets | 1.1978% | 1,437 |
| Return on assets (ROA) | 1.1978% | 1,419 |
| Pretax return on assets | 1.5112% | 1,140 |
| Return on Equity (ROE) | 14.0593% | 1,100 |
| Retained earnings to average equity (ytd only) | 8.8436% | 1,335 |
| Net charge-offs to loans | 0.0041% | 1,875 |
| Credit loss provision to net charge-offs | 4,000.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 693.5000% | 201 |
| Efficiency ratio | 60.8745% | 3,196 |
| Assets per employee ($millions) | 5.9384% | 2,799 |
| Cash dividends to net income (ytd only)* | 37.0978% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 812 |
| Loan loss allowance to noncurrent loans | 2,030.0000% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,458 |
| Noncurrent loans to loans | 0.0889% | 3,331 |
| Net loans and leases to total assets | 58.4123% | 2,482 |
| Net loans and leases to deposits | 64.0087% | 2,721 |
| Net loans and leases to core deposits | 65.0070% | 2,898 |
| Total domestic deposits to total assets | 91.2568% | 1,127 |
| Equity capital to assets | 8.2821% | 2,922 |
| Core capital (leverage) ratio | 9.2846% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $518,940,333 | 1,696 |
| Average earning assets | $486,328,000 | 1,686 |
| Average equity | $44,212,667 | 1,856 |
| Average total loans | $295,313,667 | 1,729 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0318% | 3,161 |
| Cost of funding earning assets | 0.0819% | 4,335 |
| Net interest margin | 2.9499% | 2,672 |
| Noninterest income to average assets | 1.1035% | 556 |
| Noninterest expense to average assets | 2.4502% | 2,016 |
| Loan and lease loss provision to assets | 0.0918% | 901 |
| Net operating income to assets | 1.0653% | 1,637 |
| Return on assets (ROA) | 1.0653% | 1,629 |
| Pretax return on assets | 1.3429% | 1,400 |
| Return on Equity (ROE) | 12.3355% | 1,213 |
| Retained earnings to average equity (ytd only) | 12.3355% | 552 |
| Net charge-offs to loans | 0.0082% | 1,447 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 312.6667% | 307 |
| Efficiency ratio | 63.0709% | 3,136 |
| Assets per employee ($millions) | 6.0836% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 818 |
| Loan loss allowance to noncurrent loans | 1,942.3913% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 3,527 |
| Noncurrent loans to loans | 0.0949% | 3,367 |
| Net loans and leases to total assets | 53.3442% | 2,838 |
| Net loans and leases to deposits | 58.4766% | 3,035 |
| Net loans and leases to core deposits | 59.4402% | 3,192 |
| Total domestic deposits to total assets | 91.2231% | 924 |
| Equity capital to assets | 8.3334% | 3,296 |
| Core capital (leverage) ratio | 9.2831% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $523,057,500 | 1,702 |
| Average earning assets | $493,172,000 | 1,685 |
| Average equity | $45,170,500 | 1,883 |
| Average total loans | $291,072,500 | 1,736 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9141% | 1,573 |
| Cost of funding earning assets | 0.1095% | 4,311 |
| Net interest margin | 3.8046% | 1,002 |
| Noninterest income to average assets | 1.8436% | 354 |
| Noninterest expense to average assets | 2.8445% | 1,259 |
| Loan and lease loss provision to assets | -0.1145% | 4,569 |
| Net operating income to assets | 1.8996% | 410 |
| Return on assets (ROA) | 1.8996% | 436 |
| Pretax return on assets | 2.3994% | 299 |
| Return on Equity (ROE) | 20.2710% | 298 |
| Retained earnings to average equity (ytd only) | 6.8999% | 1,961 |
| Net charge-offs to loans | 0.0422% | 1,427 |
| Credit loss provision to net charge-offs | -451.2000% | 3,738 |
| Earnings coverage of net charge-offs (x) | 90.0720% | 927 |
| Efficiency ratio | 55.4540% | 3,761 |
| Assets per employee ($millions) | 6.0089% | 2,767 |
| Cash dividends to net income (ytd only)* | 65.9615% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 861 |
| Loan loss allowance to noncurrent loans | 978.9179% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 3,198 |
| Noncurrent loans to loans | 0.1841% | 3,022 |
| Net loans and leases to total assets | 55.9864% | 2,614 |
| Net loans and leases to deposits | 61.7386% | 2,905 |
| Net loans and leases to core deposits | 63.0801% | 3,062 |
| Total domestic deposits to total assets | 90.6830% | 629 |
| Equity capital to assets | 8.9528% | 3,671 |
| Core capital (leverage) ratio | 8.9838% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,740,000 | 1,713 |
| Average earning assets | $425,568,800 | 1,821 |
| Average equity | $46,174,400 | 1,884 |
| Average total loans | $296,250,200 | 1,717 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 1,520 |
| Cost of funding earning assets | 0.1109% | 4,417 |
| Net interest margin | 3.8952% | 946 |
| Noninterest income to average assets | 1.9397% | 367 |
| Noninterest expense to average assets | 2.8150% | 1,307 |
| Loan and lease loss provision to assets | -0.1786% | 4,724 |
| Net operating income to assets | 2.1369% | 365 |
| Return on assets (ROA) | 2.1369% | 386 |
| Pretax return on assets | 2.6997% | 252 |
| Return on Equity (ROE) | 22.5403% | 271 |
| Retained earnings to average equity (ytd only) | 14.1579% | 493 |
| Net charge-offs to loans | 0.0560% | 1,087 |
| Credit loss provision to net charge-offs | -523.2000% | 3,663 |
| Earnings coverage of net charge-offs (x) | 73.8560% | 1,027 |
| Efficiency ratio | 52.7533% | 3,947 |
| Assets per employee ($millions) | 6.0746% | 2,618 |
| Cash dividends to net income (ytd only)* | 37.1885% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 974 |
| Loan loss allowance to noncurrent loans | 826.4423% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 3,314 |
| Noncurrent loans to loans | 0.2151% | 3,090 |
| Net loans and leases to total assets | 55.1877% | 2,827 |
| Net loans and leases to deposits | 61.1605% | 3,126 |
| Net loans and leases to core deposits | 62.4442% | 3,269 |
| Total domestic deposits to total assets | 90.2341% | 668 |
| Equity capital to assets | 9.3028% | 3,557 |
| Core capital (leverage) ratio | 9.5429% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $488,236,500 | 1,745 |
| Average earning assets | $425,712,250 | 1,834 |
| Average equity | $46,286,250 | 1,901 |
| Average total loans | $297,512,750 | 1,748 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 1,322 |
| Cost of funding earning assets | 0.1131% | 4,482 |
| Net interest margin | 3.9975% | 824 |
| Noninterest income to average assets | 1.9918% | 330 |
| Noninterest expense to average assets | 2.8004% | 1,354 |
| Loan and lease loss provision to assets | -0.2731% | 4,822 |
| Net operating income to assets | 2.3923% | 249 |
| Return on assets (ROA) | 2.3923% | 270 |
| Pretax return on assets | 3.0221% | 188 |
| Return on Equity (ROE) | 25.0658% | 189 |
| Retained earnings to average equity (ytd only) | 21.7838% | 117 |
| Net charge-offs to loans | 0.0833% | 846 |
| Credit loss provision to net charge-offs | -523.2000% | 3,479 |
| Earnings coverage of net charge-offs (x) | 52.6560% | 1,035 |
| Efficiency ratio | 50.4629% | 4,194 |
| Assets per employee ($millions) | 5.7794% | 2,821 |
| Cash dividends to net income (ytd only)* | 13.0936% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 1,123 |
| Loan loss allowance to noncurrent loans | 1,448.5955% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,710 |
| Noncurrent loans to loans | 0.1153% | 3,613 |
| Net loans and leases to total assets | 63.3192% | 2,031 |
| Net loans and leases to deposits | 70.7265% | 2,338 |
| Net loans and leases to core deposits | 72.4858% | 2,563 |
| Total domestic deposits to total assets | 89.5268% | 1,014 |
| Equity capital to assets | 9.9900% | 2,861 |
| Core capital (leverage) ratio | 9.8665% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $478,868,667 | 1,763 |
| Average earning assets | $426,162,667 | 1,828 |
| Average equity | $45,703,667 | 1,907 |
| Average total loans | $299,979,333 | 1,744 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 1,596 |
| Cost of funding earning assets | 0.1168% | 4,542 |
| Net interest margin | 3.8906% | 1,004 |
| Noninterest income to average assets | 2.1235% | 342 |
| Noninterest expense to average assets | 2.7747% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2414% | 389 |
| Return on assets (ROA) | 2.2414% | 424 |
| Pretax return on assets | 2.8308% | 290 |
| Return on Equity (ROE) | 24.0475% | 294 |
| Retained earnings to average equity (ytd only) | 24.0475% | 157 |
| Net charge-offs to loans | 0.1692% | 479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 27.0880% | 1,134 |
| Efficiency ratio | 49.5004% | 4,229 |
| Assets per employee ($millions) | 6.0839% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 698 |
| Loan loss allowance to noncurrent loans | 561.9923% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 3,117 |
| Noncurrent loans to loans | 0.3438% | 2,865 |
| Net loans and leases to total assets | 59.1130% | 2,658 |
| Net loans and leases to deposits | 65.4400% | 2,985 |
| Net loans and leases to core deposits | 66.8645% | 3,167 |
| Total domestic deposits to total assets | 90.3316% | 651 |
| Equity capital to assets | 9.1675% | 3,524 |
| Core capital (leverage) ratio | 9.6373% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $478,458,500 | 1,755 |
| Average earning assets | $428,216,000 | 1,812 |
| Average equity | $44,595,000 | 1,932 |
| Average total loans | $295,523,000 | 1,768 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 1,212 |
| Cost of funding earning assets | 0.2888% | 4,207 |
| Net interest margin | 4.2528% | 560 |
| Noninterest income to average assets | 2.1659% | 302 |
| Noninterest expense to average assets | 2.9976% | 1,445 |
| Loan and lease loss provision to assets | 0.6458% | 282 |
| Net operating income to assets | 1.9097% | 311 |
| Return on assets (ROA) | 1.9105% | 333 |
| Pretax return on assets | 2.4131% | 212 |
| Return on Equity (ROE) | 20.9358% | 190 |
| Retained earnings to average equity (ytd only) | 19.9941% | 67 |
| Net charge-offs to loans | 0.3526% | 493 |
| Credit loss provision to net charge-offs | 267.0886% | 1,859 |
| Earnings coverage of net charge-offs (x) | 12.6475% | 2,322 |
| Efficiency ratio | 49.5024% | 4,564 |
| Assets per employee ($millions) | 5.7979% | 2,548 |
| Cash dividends to net income (ytd only)* | 4.4978% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0446% | 535 |
| Loan loss allowance to noncurrent loans | 442.3249% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 2,822 |
| Noncurrent loans to loans | 0.4622% | 2,578 |
| Net loans and leases to total assets | 62.0902% | 2,595 |
| Net loans and leases to deposits | 68.9048% | 2,990 |
| Net loans and leases to core deposits | 70.8261% | 3,193 |
| Total domestic deposits to total assets | 90.1101% | 522 |
| Equity capital to assets | 9.4873% | 3,622 |
| Core capital (leverage) ratio | 9.2943% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,769,000 | 1,785 |
| Average earning assets | $388,499,600 | 1,801 |
| Average equity | $38,761,400 | 2,068 |
| Average total loans | $291,234,800 | 1,719 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 1,120 |
| Cost of funding earning assets | 0.3338% | 4,131 |
| Net interest margin | 4.3414% | 539 |
| Noninterest income to average assets | 1.9165% | 334 |
| Noninterest expense to average assets | 2.8744% | 1,761 |
| Loan and lease loss provision to assets | 0.8061% | 223 |
| Net operating income to assets | 1.7685% | 493 |
| Return on assets (ROA) | 1.7695% | 545 |
| Pretax return on assets | 2.2350% | 316 |
| Return on Equity (ROE) | 19.6051% | 254 |
| Retained earnings to average equity (ytd only) | 18.3104% | 106 |
| Net charge-offs to loans | 0.4698% | 316 |
| Credit loss provision to net charge-offs | 245.1801% | 1,939 |
| Earnings coverage of net charge-offs (x) | 9.2454% | 2,440 |
| Efficiency ratio | 48.6007% | 4,575 |
| Assets per employee ($millions) | 7.1163% | 1,419 |
| Cash dividends to net income (ytd only)* | 6.6039% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 690 |
| Loan loss allowance to noncurrent loans | 425.5589% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 3,156 |
| Noncurrent loans to loans | 0.4273% | 2,777 |
| Net loans and leases to total assets | 58.5516% | 3,370 |
| Net loans and leases to deposits | 63.7612% | 3,808 |
| Net loans and leases to core deposits | 65.0817% | 3,950 |
| Total domestic deposits to total assets | 91.8295% | 67 |
| Equity capital to assets | 7.7578% | 4,790 |
| Core capital (leverage) ratio | 9.5338% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $416,452,500 | 1,790 |
| Average earning assets | $383,490,000 | 1,805 |
| Average equity | $37,588,000 | 2,100 |
| Average total loans | $291,460,750 | 1,717 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2158% | 550 |
| Cost of funding earning assets | 0.4071% | 4,008 |
| Net interest margin | 4.8087% | 278 |
| Noninterest income to average assets | 1.6501% | 385 |
| Noninterest expense to average assets | 3.1101% | 1,332 |
| Loan and lease loss provision to assets | 1.0233% | 197 |
| Net operating income to assets | 1.5715% | 802 |
| Return on assets (ROA) | 1.5732% | 873 |
| Pretax return on assets | 1.9861% | 560 |
| Return on Equity (ROE) | 16.3673% | 508 |
| Retained earnings to average equity (ytd only) | 14.3673% | 252 |
| Net charge-offs to loans | 0.7234% | 215 |
| Credit loss provision to net charge-offs | 189.1918% | 1,959 |
| Earnings coverage of net charge-offs (x) | 5.5599% | 2,506 |
| Efficiency ratio | 50.8394% | 4,455 |
| Assets per employee ($millions) | 5.7575% | 2,411 |
| Cash dividends to net income (ytd only)* | 12.2196% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 939 |
| Loan loss allowance to noncurrent loans | 540.6316% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 2,921 |
| Noncurrent loans to loans | 0.3015% | 3,311 |
| Net loans and leases to total assets | 69.9109% | 2,043 |
| Net loans and leases to deposits | 82.1736% | 2,189 |
| Net loans and leases to core deposits | 84.7622% | 2,552 |
| Total domestic deposits to total assets | 85.0772% | 2,368 |
| Equity capital to assets | 8.6074% | 4,419 |
| Core capital (leverage) ratio | 10.3427% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,735,333 | 1,892 |
| Average earning assets | $352,774,667 | 1,887 |
| Average equity | $36,499,667 | 2,130 |
| Average total loans | $283,932,333 | 1,732 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 838 |
| Cost of funding earning assets | 0.5987% | 3,445 |
| Net interest margin | 4.4755% | 538 |
| Noninterest income to average assets | 1.1692% | 641 |
| Noninterest expense to average assets | 3.2350% | 1,351 |
| Loan and lease loss provision to assets | 0.4231% | 714 |
| Net operating income to assets | 1.3092% | 1,218 |
| Return on assets (ROA) | 1.3129% | 1,308 |
| Pretax return on assets | 1.6578% | 931 |
| Return on Equity (ROE) | 12.8063% | 911 |
| Retained earnings to average equity (ytd only) | 12.8063% | 337 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9091% | 3,628 |
| Assets per employee ($millions) | 4.6508% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 901 |
| Loan loss allowance to noncurrent loans | 230.5528% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 1,853 |
| Noncurrent loans to loans | 0.7300% | 2,174 |
| Net loans and leases to total assets | 75.8274% | 1,327 |
| Net loans and leases to deposits | 89.2993% | 1,597 |
| Net loans and leases to core deposits | 93.2870% | 2,038 |
| Total domestic deposits to total assets | 84.9138% | 2,441 |
| Equity capital to assets | 10.2435% | 3,564 |
| Core capital (leverage) ratio | 10.2289% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,939,500 | 1,967 |
| Average earning assets | $322,020,500 | 1,967 |
| Average equity | $35,670,000 | 2,165 |
| Average total loans | $268,363,500 | 1,766 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 1,610 |
| Cost of funding earning assets | 0.7317% | 3,011 |
| Net interest margin | 4.2186% | 1,286 |
| Noninterest income to average assets | 1.4762% | 427 |
| Noninterest expense to average assets | 3.3022% | 1,292 |
| Loan and lease loss provision to assets | 0.2101% | 954 |
| Net operating income to assets | 1.4716% | 1,122 |
| Return on assets (ROA) | 1.4765% | 1,166 |
| Pretax return on assets | 1.8608% | 816 |
| Return on Equity (ROE) | 14.2899% | 844 |
| Retained earnings to average equity (ytd only) | 3.5412% | 3,229 |
| Net charge-offs to loans | 0.0029% | 3,584 |
| Credit loss provision to net charge-offs | 10,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 982.5714% | 103 |
| Efficiency ratio | 61.5303% | 3,447 |
| Assets per employee ($millions) | 4.5055% | 3,210 |
| Cash dividends to net income (ytd only)* | 75.2185% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 983 |
| Loan loss allowance to noncurrent loans | 193.7557% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 1,612 |
| Noncurrent loans to loans | 0.8246% | 1,859 |
| Net loans and leases to total assets | 75.9010% | 1,432 |
| Net loans and leases to deposits | 87.8711% | 1,869 |
| Net loans and leases to core deposits | 91.5669% | 2,272 |
| Total domestic deposits to total assets | 86.3777% | 1,895 |
| Equity capital to assets | 10.2603% | 3,666 |
| Core capital (leverage) ratio | 10.4652% | 2,987 |
| Tier 1 risk-based capital ratio | 12.2242% | 4,229 |
| Total risk-based capital ratio | 13.4770% | 4,103 |
| Memoranda: | ||
| Average total assets | $333,143,000 | 1,969 |
| Average earning assets | $307,232,800 | 1,984 |
| Average equity | $34,423,000 | 2,171 |
| Average total loans | $244,960,600 | 1,854 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 1,803 |
| Cost of funding earning assets | 0.7415% | 3,004 |
| Net interest margin | 4.1640% | 1,466 |
| Noninterest income to average assets | 1.4114% | 455 |
| Noninterest expense to average assets | 3.3120% | 1,242 |
| Loan and lease loss provision to assets | 0.1612% | 1,158 |
| Net operating income to assets | 1.4091% | 1,439 |
| Return on assets (ROA) | 1.4158% | 1,478 |
| Pretax return on assets | 1.7826% | 1,133 |
| Return on Equity (ROE) | 13.6774% | 1,058 |
| Retained earnings to average equity (ytd only) | 7.4480% | 1,651 |
| Net charge-offs to loans | 0.0022% | 3,361 |
| Credit loss provision to net charge-offs | 10,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 1,201.2214% | 69 |
| Efficiency ratio | 63.1183% | 3,142 |
| Assets per employee ($millions) | 4.5208% | 3,168 |
| Cash dividends to net income (ytd only)* | 45.5451% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 1,140 |
| Loan loss allowance to noncurrent loans | 177.8332% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 1,658 |
| Noncurrent loans to loans | 0.8655% | 1,852 |
| Net loans and leases to total assets | 75.0173% | 1,645 |
| Net loans and leases to deposits | 87.4498% | 2,004 |
| Net loans and leases to core deposits | 91.3173% | 2,433 |
| Total domestic deposits to total assets | 85.7833% | 2,090 |
| Equity capital to assets | 10.6909% | 3,385 |
| Core capital (leverage) ratio | 10.9242% | 2,715 |
| Tier 1 risk-based capital ratio | 13.3896% | 3,639 |
| Total risk-based capital ratio | 14.6422% | 3,536 |
| Memoranda: | ||
| Average total assets | $330,824,500 | 1,986 |
| Average earning assets | $304,766,250 | 2,003 |
| Average equity | $34,245,500 | 2,193 |
| Average total loans | $240,171,250 | 1,895 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8048% | 2,047 |
| Cost of funding earning assets | 0.7452% | 2,916 |
| Net interest margin | 4.0596% | 1,728 |
| Noninterest income to average assets | 1.2227% | 573 |
| Noninterest expense to average assets | 3.2732% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3459% | 1,596 |
| Return on assets (ROA) | 1.3459% | 1,660 |
| Pretax return on assets | 1.6918% | 1,286 |
| Return on Equity (ROE) | 13.1480% | 1,196 |
| Retained earnings to average equity (ytd only) | 3.6634% | 3,422 |
| Net charge-offs to loans | 0.0017% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1,394.0000% | 47 |
| Efficiency ratio | 65.9252% | 2,814 |
| Assets per employee ($millions) | 4.4187% | 3,262 |
| Cash dividends to net income (ytd only)* | 72.1371% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,424 |
| Loan loss allowance to noncurrent loans | 157.0856% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 1,678 |
| Noncurrent loans to loans | 0.9223% | 1,776 |
| Net loans and leases to total assets | 71.4026% | 2,302 |
| Net loans and leases to deposits | 82.7247% | 2,649 |
| Net loans and leases to core deposits | 89.1308% | 2,675 |
| Total domestic deposits to total assets | 86.3135% | 1,886 |
| Equity capital to assets | 10.2215% | 3,778 |
| Core capital (leverage) ratio | 10.5033% | 3,083 |
| Tier 1 risk-based capital ratio | 12.7339% | 3,991 |
| Total risk-based capital ratio | 13.9846% | 3,895 |
| Memoranda: | ||
| Average total assets | $329,587,330 | 2,004 |
| Average earning assets | $303,819,330 | 2,017 |
| Average equity | $33,739,000 | 2,213 |
| Average total loans | $235,267,330 | 1,941 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 2,121 |
| Cost of funding earning assets | 0.7280% | 2,897 |
| Net interest margin | 4.0014% | 1,851 |
| Noninterest income to average assets | 1.1039% | 665 |
| Noninterest expense to average assets | 3.3044% | 1,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1860% | 2,108 |
| Return on assets (ROA) | 1.1811% | 2,177 |
| Pretax return on assets | 1.4837% | 1,827 |
| Return on Equity (ROE) | 11.5292% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.5292% | 697 |
| Net charge-offs to loans | 0.0035% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 608.0000% | 118 |
| Efficiency ratio | 68.9241% | 2,512 |
| Assets per employee ($millions) | 4.2745% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,253 |
| Loan loss allowance to noncurrent loans | 147.1816% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 1,536 |
| Noncurrent loans to loans | 1.0371% | 1,614 |
| Net loans and leases to total assets | 70.0027% | 2,480 |
| Net loans and leases to deposits | 81.4710% | 2,666 |
| Net loans and leases to core deposits | 88.1188% | 2,670 |
| Total domestic deposits to total assets | 85.9234% | 2,310 |
| Equity capital to assets | 10.5089% | 3,336 |
| Core capital (leverage) ratio | 10.6924% | 2,856 |
| Tier 1 risk-based capital ratio | 13.5098% | 3,597 |
| Total risk-based capital ratio | 14.7613% | 3,508 |
| Memoranda: | ||
| Average total assets | $326,470,500 | 2,032 |
| Average earning assets | $301,092,000 | 2,044 |
| Average equity | $33,445,500 | 2,220 |
| Average total loans | $231,246,000 | 1,986 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 2,193 |
| Cost of funding earning assets | 0.3107% | 4,519 |
| Net interest margin | 4.2687% | 1,229 |
| Noninterest income to average assets | 1.3051% | 546 |
| Noninterest expense to average assets | 3.3462% | 1,230 |
| Loan and lease loss provision to assets | 0.0253% | 3,666 |
| Net operating income to assets | 1.4959% | 1,132 |
| Return on assets (ROA) | 1.4949% | 1,118 |
| Pretax return on assets | 1.8517% | 805 |
| Return on Equity (ROE) | 14.6406% | 910 |
| Retained earnings to average equity (ytd only) | 5.3469% | 2,565 |
| Net charge-offs to loans | -0.0095% | 4,476 |
| Credit loss provision to net charge-offs | -380.9524% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0492% | 3,189 |
| Assets per employee ($millions) | 4.2608% | 3,529 |
| Cash dividends to net income (ytd only)* | 63.4786% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,217 |
| Loan loss allowance to noncurrent loans | 142.6203% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 1,485 |
| Noncurrent loans to loans | 1.0680% | 1,526 |
| Net loans and leases to total assets | 69.5040% | 2,651 |
| Net loans and leases to deposits | 80.2954% | 2,920 |
| Net loans and leases to core deposits | 84.3709% | 3,048 |
| Total domestic deposits to total assets | 86.5604% | 1,984 |
| Equity capital to assets | 9.9829% | 3,697 |
| Core capital (leverage) ratio | 10.3429% | 3,210 |
| Tier 1 risk-based capital ratio | 12.9219% | 3,890 |
| Total risk-based capital ratio | 14.1730% | 3,778 |
| Memoranda: | ||
| Average total assets | $316,146,800 | 2,061 |
| Average earning assets | $290,277,000 | 2,073 |
| Average equity | $32,280,200 | 2,200 |
| Average total loans | $220,805,400 | 2,015 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 2,241 |
| Cost of funding earning assets | 0.2284% | 4,899 |
| Net interest margin | 4.2892% | 1,133 |
| Noninterest income to average assets | 1.3526% | 517 |
| Noninterest expense to average assets | 3.3617% | 1,173 |
| Loan and lease loss provision to assets | 0.0341% | 3,334 |
| Net operating income to assets | 1.5371% | 1,104 |
| Return on assets (ROA) | 1.5357% | 1,108 |
| Pretax return on assets | 1.8895% | 835 |
| Return on Equity (ROE) | 14.9530% | 886 |
| Retained earnings to average equity (ytd only) | 9.9783% | 931 |
| Net charge-offs to loans | -0.0128% | 4,465 |
| Credit loss provision to net charge-offs | -380.9524% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5851% | 3,256 |
| Assets per employee ($millions) | 4.3062% | 3,415 |
| Cash dividends to net income (ytd only)* | 33.2687% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,338 |
| Loan loss allowance to noncurrent loans | 135.3935% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 1,523 |
| Noncurrent loans to loans | 1.1093% | 1,534 |
| Net loans and leases to total assets | 69.7579% | 2,685 |
| Net loans and leases to deposits | 80.5764% | 2,974 |
| Net loans and leases to core deposits | 84.7902% | 3,095 |
| Total domestic deposits to total assets | 86.5736% | 1,930 |
| Equity capital to assets | 9.9654% | 3,684 |
| Core capital (leverage) ratio | 10.3185% | 3,271 |
| Tier 1 risk-based capital ratio | 13.0018% | 3,902 |
| Total risk-based capital ratio | 14.2528% | 3,815 |
| Memoranda: | ||
| Average total assets | $313,163,000 | 2,089 |
| Average earning assets | $287,254,000 | 2,105 |
| Average equity | $32,162,250 | 2,207 |
| Average total loans | $218,117,500 | 2,049 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 2,331 |
| Cost of funding earning assets | 0.1843% | 5,101 |
| Net interest margin | 4.2418% | 1,186 |
| Noninterest income to average assets | 1.4031% | 483 |
| Noninterest expense to average assets | 3.4395% | 1,086 |
| Loan and lease loss provision to assets | 0.0391% | 3,128 |
| Net operating income to assets | 1.4893% | 1,186 |
| Return on assets (ROA) | 1.4872% | 1,186 |
| Pretax return on assets | 1.8044% | 950 |
| Return on Equity (ROE) | 14.3276% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.7966% | 2,167 |
| Net charge-offs to loans | -0.0179% | 4,517 |
| Credit loss provision to net charge-offs | -315.7895% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0727% | 3,144 |
| Assets per employee ($millions) | 4.0963% | 3,737 |
| Cash dividends to net income (ytd only)* | 52.5624% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,256 |
| Loan loss allowance to noncurrent loans | 133.2700% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 1,437 |
| Noncurrent loans to loans | 1.1593% | 1,503 |
| Net loans and leases to total assets | 72.7035% | 2,168 |
| Net loans and leases to deposits | 84.5972% | 2,464 |
| Net loans and leases to core deposits | 87.1820% | 2,801 |
| Total domestic deposits to total assets | 85.9408% | 2,310 |
| Equity capital to assets | 10.3804% | 3,238 |
| Core capital (leverage) ratio | 10.8334% | 2,669 |
| Tier 1 risk-based capital ratio | 13.0377% | 3,872 |
| Total risk-based capital ratio | 14.2892% | 3,789 |
| Memoranda: | ||
| Average total assets | $307,025,000 | 2,131 |
| Average earning assets | $281,014,670 | 2,150 |
| Average equity | $31,868,670 | 2,230 |
| Average total loans | $212,547,330 | 2,090 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,841 |
| Cost of funding earning assets | 0.1042% | 5,454 |
| Net interest margin | 4.1107% | 1,413 |
| Noninterest income to average assets | 1.3358% | 525 |
| Noninterest expense to average assets | 3.5214% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3520% | 1,473 |
| Return on assets (ROA) | 1.3476% | 1,499 |
| Pretax return on assets | 1.5639% | 1,485 |
| Return on Equity (ROE) | 12.9828% | 1,265 |
| Retained earnings to average equity (ytd only) | 12.9828% | 524 |
| Net charge-offs to loans | -0.0390% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1756% | 2,633 |
| Assets per employee ($millions) | 4.0567% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 1,077 |
| Loan loss allowance to noncurrent loans | 128.7155% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 1,438 |
| Noncurrent loans to loans | 1.2737% | 1,410 |
| Net loans and leases to total assets | 68.8925% | 2,650 |
| Net loans and leases to deposits | 79.5892% | 2,858 |
| Net loans and leases to core deposits | 81.9572% | 3,144 |
| Total domestic deposits to total assets | 86.5602% | 2,285 |
| Equity capital to assets | 10.6586% | 2,915 |
| Core capital (leverage) ratio | 11.1975% | 2,249 |
| Tier 1 risk-based capital ratio | 13.6324% | 3,581 |
| Total risk-based capital ratio | 14.8844% | 3,495 |
| Memoranda: | ||
| Average total assets | $306,926,000 | 2,152 |
| Average earning assets | $280,341,000 | 2,179 |
| Average equity | $31,857,500 | 2,248 |
| Average total loans | $205,387,500 | 2,156 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,389 |
| Cost of funding earning assets | 0.1093% | 5,463 |
| Net interest margin | 3.8960% | 2,097 |
| Noninterest income to average assets | 1.2758% | 652 |
| Noninterest expense to average assets | 3.3383% | 1,307 |
| Loan and lease loss provision to assets | -0.0081% | 5,302 |
| Net operating income to assets | 0.9132% | 2,641 |
| Return on assets (ROA) | 0.8792% | 2,841 |
| Pretax return on assets | 1.4626% | 1,768 |
| Return on Equity (ROE) | 8.7580% | 2,428 |
| Retained earnings to average equity (ytd only) | 6.3671% | 1,344 |
| Net charge-offs to loans | 0.0618% | 2,589 |
| Credit loss provision to net charge-offs | -20.6612% | 4,604 |
| Earnings coverage of net charge-offs (x) | 38.6777% | 1,294 |
| Efficiency ratio | 68.8871% | 2,721 |
| Assets per employee ($millions) | 4.2966% | 3,486 |
| Cash dividends to net income (ytd only)* | 27.2994% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 934 |
| Loan loss allowance to noncurrent loans | 119.4561% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 1,385 |
| Noncurrent loans to loans | 1.4303% | 1,201 |
| Net loans and leases to total assets | 62.8361% | 3,503 |
| Net loans and leases to deposits | 70.1388% | 3,862 |
| Net loans and leases to core deposits | 74.1052% | 3,872 |
| Total domestic deposits to total assets | 89.5882% | 737 |
| Equity capital to assets | 10.1124% | 3,584 |
| Core capital (leverage) ratio | 10.4139% | 2,949 |
| Tier 1 risk-based capital ratio | 14.2127% | 3,245 |
| Total risk-based capital ratio | 15.4659% | 3,137 |
| Memoranda: | ||
| Average total assets | $310,398,800 | 2,117 |
| Average earning assets | $284,442,000 | 2,131 |
| Average equity | $31,160,200 | 2,284 |
| Average total loans | $195,708,400 | 2,194 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 3,423 |
| Cost of funding earning assets | 0.1089% | 5,524 |
| Net interest margin | 3.8699% | 2,143 |
| Noninterest income to average assets | 1.3144% | 613 |
| Noninterest expense to average assets | 3.3364% | 1,270 |
| Loan and lease loss provision to assets | -0.0108% | 5,459 |
| Net operating income to assets | 1.0466% | 2,348 |
| Return on assets (ROA) | 1.0595% | 2,323 |
| Pretax return on assets | 1.5595% | 1,546 |
| Return on Equity (ROE) | 10.5733% | 1,871 |
| Retained earnings to average equity (ytd only) | 9.3054% | 755 |
| Net charge-offs to loans | -0.0171% | 4,800 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5636% | 2,776 |
| Assets per employee ($millions) | 4.2549% | 3,555 |
| Cash dividends to net income (ytd only)* | 11.9918% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 838 |
| Loan loss allowance to noncurrent loans | 98.2939% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 1,429 |
| Noncurrent loans to loans | 1.8429% | 956 |
| Net loans and leases to total assets | 61.4909% | 3,716 |
| Net loans and leases to deposits | 68.7662% | 4,057 |
| Net loans and leases to core deposits | 72.7810% | 4,085 |
| Total domestic deposits to total assets | 89.4202% | 689 |
| Equity capital to assets | 10.2305% | 3,662 |
| Core capital (leverage) ratio | 10.3452% | 3,147 |
| Tier 1 risk-based capital ratio | 14.3265% | 3,281 |
| Total risk-based capital ratio | 15.5810% | 3,184 |
| Memoranda: | ||
| Average total assets | $309,585,000 | 2,131 |
| Average earning assets | $284,135,000 | 2,146 |
| Average equity | $31,020,750 | 2,302 |
| Average total loans | $194,507,000 | 2,215 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,350 |
| Cost of funding earning assets | 0.1089% | 5,561 |
| Net interest margin | 3.8502% | 2,093 |
| Noninterest income to average assets | 1.2436% | 673 |
| Noninterest expense to average assets | 3.3285% | 1,319 |
| Loan and lease loss provision to assets | -0.0162% | 5,557 |
| Net operating income to assets | 1.0004% | 2,425 |
| Return on assets (ROA) | 1.0194% | 2,380 |
| Pretax return on assets | 1.4963% | 1,652 |
| Return on Equity (ROE) | 10.2470% | 1,939 |
| Retained earnings to average equity (ytd only) | 9.9531% | 598 |
| Net charge-offs to loans | -0.0258% | 4,883 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6249% | 2,745 |
| Assets per employee ($millions) | 4.0002% | 3,956 |
| Cash dividends to net income (ytd only)* | 2.8681% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 859 |
| Loan loss allowance to noncurrent loans | 128.7568% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 1,901 |
| Noncurrent loans to loans | 1.4090% | 1,361 |
| Net loans and leases to total assets | 64.4553% | 3,319 |
| Net loans and leases to deposits | 72.3024% | 3,707 |
| Net loans and leases to core deposits | 76.7373% | 3,705 |
| Total domestic deposits to total assets | 89.1468% | 889 |
| Equity capital to assets | 10.5375% | 3,290 |
| Core capital (leverage) ratio | 10.5772% | 2,837 |
| Tier 1 risk-based capital ratio | 14.1795% | 3,324 |
| Total risk-based capital ratio | 15.4341% | 3,240 |
| Memoranda: | ||
| Average total assets | $307,825,670 | 2,147 |
| Average earning assets | $282,792,670 | 2,159 |
| Average equity | $30,623,670 | 2,327 |
| Average total loans | $193,614,670 | 2,224 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 3,526 |
| Cost of funding earning assets | 0.1115% | 5,608 |
| Net interest margin | 3.7544% | 2,287 |
| Noninterest income to average assets | 1.0830% | 851 |
| Noninterest expense to average assets | 3.2887% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8564% | 2,962 |
| Return on assets (ROA) | 0.8777% | 2,922 |
| Pretax return on assets | 1.2806% | 2,305 |
| Return on Equity (ROE) | 9.0811% | 2,376 |
| Retained earnings to average equity (ytd only) | 8.4837% | 1,282 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4625% | 2,496 |
| Assets per employee ($millions) | 4.0899% | 3,859 |
| Cash dividends to net income (ytd only)* | 6.5789% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 854 |
| Loan loss allowance to noncurrent loans | 127.0626% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 2,017 |
| Noncurrent loans to loans | 1.4664% | 1,372 |
| Net loans and leases to total assets | 61.3495% | 3,618 |
| Net loans and leases to deposits | 68.2845% | 3,971 |
| Net loans and leases to core deposits | 72.4849% | 3,948 |
| Total domestic deposits to total assets | 89.8440% | 727 |
| Equity capital to assets | 9.9314% | 3,841 |
| Core capital (leverage) ratio | 9.8621% | 3,677 |
| Tier 1 risk-based capital ratio | 14.1495% | 3,385 |
| Total risk-based capital ratio | 15.4043% | 3,302 |
| Memoranda: | ||
| Average total assets | $311,731,500 | 2,140 |
| Average earning assets | $286,918,000 | 2,148 |
| Average equity | $30,128,500 | 2,366 |
| Average total loans | $191,948,000 | 2,257 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 3,759 |
| Cost of funding earning assets | 0.1180% | 5,618 |
| Net interest margin | 3.7273% | 2,587 |
| Noninterest income to average assets | 1.4444% | 553 |
| Noninterest expense to average assets | 3.5452% | 1,095 |
| Loan and lease loss provision to assets | 0.0757% | 2,843 |
| Net operating income to assets | 0.8536% | 3,054 |
| Return on assets (ROA) | 0.8601% | 3,136 |
| Pretax return on assets | 1.2436% | 2,497 |
| Return on Equity (ROE) | 8.6967% | 2,565 |
| Retained earnings to average equity (ytd only) | 6.7682% | 1,323 |
| Net charge-offs to loans | 0.0415% | 3,201 |
| Credit loss provision to net charge-offs | 288.4615% | 1,013 |
| Earnings coverage of net charge-offs (x) | 49.9231% | 1,007 |
| Efficiency ratio | 73.0202% | 2,425 |
| Assets per employee ($millions) | 4.3386% | 3,380 |
| Cash dividends to net income (ytd only)* | 22.1744% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 864 |
| Loan loss allowance to noncurrent loans | 152.0426% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 2,509 |
| Noncurrent loans to loans | 1.2231% | 1,681 |
| Net loans and leases to total assets | 59.5367% | 3,900 |
| Net loans and leases to deposits | 65.9130% | 4,248 |
| Net loans and leases to core deposits | 70.6862% | 4,182 |
| Total domestic deposits to total assets | 90.3261% | 502 |
| Equity capital to assets | 9.4068% | 4,367 |
| Core capital (leverage) ratio | 9.4366% | 4,178 |
| Tier 1 risk-based capital ratio | 14.2150% | 3,339 |
| Total risk-based capital ratio | 15.4706% | 3,270 |
| Memoranda: | ||
| Average total assets | $297,277,200 | 2,182 |
| Average earning assets | $272,018,400 | 2,199 |
| Average equity | $29,402,000 | 2,407 |
| Average total loans | $187,742,600 | 2,233 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 3,673 |
| Cost of funding earning assets | 0.1172% | 5,686 |
| Net interest margin | 3.7577% | 2,494 |
| Noninterest income to average assets | 1.4285% | 583 |
| Noninterest expense to average assets | 3.5300% | 1,094 |
| Loan and lease loss provision to assets | 0.0912% | 2,405 |
| Net operating income to assets | 0.8598% | 3,102 |
| Return on assets (ROA) | 0.8686% | 3,177 |
| Pretax return on assets | 1.2543% | 2,602 |
| Return on Equity (ROE) | 8.6675% | 2,682 |
| Retained earnings to average equity (ytd only) | 7.3162% | 1,476 |
| Net charge-offs to loans | 0.0557% | 2,565 |
| Credit loss provision to net charge-offs | 256.4103% | 1,178 |
| Earnings coverage of net charge-offs (x) | 37.4735% | 1,290 |
| Efficiency ratio | 72.5926% | 2,484 |
| Assets per employee ($millions) | 4.3389% | 3,351 |
| Cash dividends to net income (ytd only)* | 15.5905% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 1,009 |
| Loan loss allowance to noncurrent loans | 148.6804% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 2,667 |
| Noncurrent loans to loans | 1.2129% | 1,850 |
| Net loans and leases to total assets | 61.0129% | 3,741 |
| Net loans and leases to deposits | 67.6908% | 4,181 |
| Net loans and leases to core deposits | 72.3288% | 4,135 |
| Total domestic deposits to total assets | 90.1347% | 435 |
| Equity capital to assets | 9.5637% | 4,595 |
| Core capital (leverage) ratio | 9.7537% | 3,870 |
| Tier 1 risk-based capital ratio | 13.9828% | 3,564 |
| Total risk-based capital ratio | 15.2378% | 3,484 |
| Memoranda: | ||
| Average total assets | $292,416,750 | 2,221 |
| Average earning assets | $267,248,250 | 2,237 |
| Average equity | $29,304,250 | 2,428 |
| Average total loans | $186,644,000 | 2,246 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 3,517 |
| Cost of funding earning assets | 0.1150% | 5,783 |
| Net interest margin | 3.8112% | 2,267 |
| Noninterest income to average assets | 1.2951% | 686 |
| Noninterest expense to average assets | 3.5574% | 1,074 |
| Loan and lease loss provision to assets | 0.0528% | 3,088 |
| Net operating income to assets | 0.8079% | 3,275 |
| Return on assets (ROA) | 0.8216% | 3,346 |
| Pretax return on assets | 1.1797% | 2,860 |
| Return on Equity (ROE) | 8.0621% | 2,950 |
| Retained earnings to average equity (ytd only) | 6.4400% | 1,899 |
| Net charge-offs to loans | 0.0022% | 3,634 |
| Credit loss provision to net charge-offs | 3,750.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 862.0000% | 59 |
| Efficiency ratio | 74.5760% | 2,277 |
| Assets per employee ($millions) | 3.8239% | 4,227 |
| Cash dividends to net income (ytd only)* | 20.1199% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 1,008 |
| Loan loss allowance to noncurrent loans | 118.4095% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0303% | 2,074 |
| Noncurrent loans to loans | 1.5529% | 1,392 |
| Net loans and leases to total assets | 65.1313% | 3,210 |
| Net loans and leases to deposits | 72.8509% | 3,715 |
| Net loans and leases to core deposits | 79.0954% | 3,543 |
| Total domestic deposits to total assets | 89.4036% | 727 |
| Equity capital to assets | 10.3227% | 3,827 |
| Core capital (leverage) ratio | 10.6661% | 2,772 |
| Tier 1 risk-based capital ratio | 14.2459% | 3,472 |
| Total risk-based capital ratio | 15.5016% | 3,388 |
| Memoranda: | ||
| Average total assets | $284,309,670 | 2,273 |
| Average earning assets | $259,236,670 | 2,305 |
| Average equity | $28,975,000 | 2,454 |
| Average total loans | $183,258,670 | 2,283 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 3,337 |
| Cost of funding earning assets | 0.1165% | 5,839 |
| Net interest margin | 3.8518% | 2,096 |
| Noninterest income to average assets | 1.1743% | 796 |
| Noninterest expense to average assets | 3.5073% | 1,168 |
| Loan and lease loss provision to assets | 0.0707% | 2,539 |
| Net operating income to assets | 0.7716% | 3,389 |
| Return on assets (ROA) | 0.7716% | 3,494 |
| Pretax return on assets | 1.1008% | 3,091 |
| Return on Equity (ROE) | 7.6204% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.9225% | 1,921 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9622% | 2,331 |
| Assets per employee ($millions) | 3.7649% | 4,369 |
| Cash dividends to net income (ytd only)* | 9.1575% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 906 |
| Loan loss allowance to noncurrent loans | 110.4544% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 1,958 |
| Noncurrent loans to loans | 1.7572% | 1,262 |
| Net loans and leases to total assets | 63.0331% | 3,380 |
| Net loans and leases to deposits | 70.5995% | 3,799 |
| Net loans and leases to core deposits | 77.3662% | 3,562 |
| Total domestic deposits to total assets | 89.2826% | 959 |
| Equity capital to assets | 10.4152% | 3,596 |
| Core capital (leverage) ratio | 10.3116% | 3,181 |
| Tier 1 risk-based capital ratio | 14.4018% | 3,442 |
| Total risk-based capital ratio | 15.6579% | 3,377 |
| Memoranda: | ||
| Average total assets | $283,066,500 | 2,291 |
| Average earning assets | $257,543,000 | 2,329 |
| Average equity | $28,660,000 | 2,465 |
| Average total loans | $179,741,500 | 2,313 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 3,641 |
| Cost of funding earning assets | 0.1411% | 5,742 |
| Net interest margin | 3.7786% | 2,452 |
| Noninterest income to average assets | 1.4439% | 582 |
| Noninterest expense to average assets | 3.3182% | 1,683 |
| Loan and lease loss provision to assets | 0.1604% | 1,444 |
| Net operating income to assets | 0.9705% | 2,523 |
| Return on assets (ROA) | 0.9838% | 2,528 |
| Pretax return on assets | 1.4193% | 1,825 |
| Return on Equity (ROE) | 10.7511% | 1,706 |
| Retained earnings to average equity (ytd only) | 10.2346% | 434 |
| Net charge-offs to loans | -0.0011% | 4,841 |
| Credit loss provision to net charge-offs | -23,750.0000% | 5,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0161% | 3,573 |
| Assets per employee ($millions) | 3.8855% | 4,146 |
| Cash dividends to net income (ytd only)* | 4.8044% | 4,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 956 |
| Loan loss allowance to noncurrent loans | 108.3491% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 1,997 |
| Noncurrent loans to loans | 1.7528% | 1,278 |
| Net loans and leases to total assets | 61.5480% | 3,620 |
| Net loans and leases to deposits | 68.3479% | 4,099 |
| Net loans and leases to core deposits | 74.7749% | 3,868 |
| Total domestic deposits to total assets | 90.0511% | 612 |
| Equity capital to assets | 9.8435% | 4,140 |
| Core capital (leverage) ratio | 9.2986% | 4,477 |
| Tier 1 risk-based capital ratio | 13.9315% | 3,752 |
| Total risk-based capital ratio | 15.1869% | 3,681 |
| Memoranda: | ||
| Average total assets | $296,211,800 | 2,170 |
| Average earning assets | $269,255,200 | 2,208 |
| Average equity | $27,104,200 | 2,539 |
| Average total loans | $176,749,400 | 2,275 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 3,763 |
| Cost of funding earning assets | 0.1395% | 5,855 |
| Net interest margin | 3.7514% | 2,556 |
| Noninterest income to average assets | 1.4455% | 591 |
| Noninterest expense to average assets | 3.2378% | 1,858 |
| Loan and lease loss provision to assets | 0.1274% | 1,775 |
| Net operating income to assets | 1.0316% | 2,321 |
| Return on assets (ROA) | 1.0492% | 2,320 |
| Pretax return on assets | 1.5175% | 1,639 |
| Return on Equity (ROE) | 11.6793% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.3312% | 435 |
| Net charge-offs to loans | -0.0068% | 4,889 |
| Credit loss provision to net charge-offs | -3,166.6667% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6605% | 3,772 |
| Assets per employee ($millions) | 4.1202% | 3,674 |
| Cash dividends to net income (ytd only)* | 2.9812% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 1,293 |
| Loan loss allowance to noncurrent loans | 420.7523% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 4,743 |
| Noncurrent loans to loans | 0.4251% | 4,080 |
| Net loans and leases to total assets | 59.2227% | 3,976 |
| Net loans and leases to deposits | 65.4043% | 4,434 |
| Net loans and leases to core deposits | 72.6200% | 4,137 |
| Total domestic deposits to total assets | 90.5487% | 375 |
| Equity capital to assets | 9.2621% | 5,043 |
| Core capital (leverage) ratio | 9.4233% | 4,394 |
| Tier 1 risk-based capital ratio | 14.0314% | 3,824 |
| Total risk-based capital ratio | 15.2863% | 3,770 |
| Memoranda: | ||
| Average total assets | $298,382,250 | 2,170 |
| Average earning assets | $271,360,000 | 2,210 |
| Average equity | $26,804,500 | 2,578 |
| Average total loans | $175,838,000 | 2,291 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 3,617 |
| Cost of funding earning assets | 0.1392% | 5,926 |
| Net interest margin | 3.7806% | 2,400 |
| Noninterest income to average assets | 1.3509% | 675 |
| Noninterest expense to average assets | 3.2065% | 1,968 |
| Loan and lease loss provision to assets | 0.0874% | 2,360 |
| Net operating income to assets | 1.0301% | 2,228 |
| Return on assets (ROA) | 1.0565% | 2,230 |
| Pretax return on assets | 1.5276% | 1,564 |
| Return on Equity (ROE) | 11.8851% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.8095% | 413 |
| Net charge-offs to loans | -0.0103% | 4,931 |
| Credit loss provision to net charge-offs | -1,444.4444% | 5,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0367% | 3,834 |
| Assets per employee ($millions) | 4.0128% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.6361% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 1,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 59.2615% | 3,937 |
| Net loans and leases to deposits | 65.4212% | 4,392 |
| Net loans and leases to core deposits | 72.8252% | 4,056 |
| Total domestic deposits to total assets | 90.5846% | 421 |
| Equity capital to assets | 9.2328% | 4,976 |
| Core capital (leverage) ratio | 9.0270% | 4,924 |
| Tier 1 risk-based capital ratio | 13.9953% | 3,926 |
| Total risk-based capital ratio | 15.2495% | 3,859 |
| Memoranda: | ||
| Average total assets | $297,585,330 | 2,190 |
| Average earning assets | $270,171,330 | 2,232 |
| Average equity | $26,453,330 | 2,620 |
| Average total loans | $173,994,000 | 2,326 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 3,736 |
| Cost of funding earning assets | 0.1391% | 6,003 |
| Net interest margin | 3.7327% | 2,500 |
| Noninterest income to average assets | 1.1270% | 883 |
| Noninterest expense to average assets | 3.0542% | 2,419 |
| Loan and lease loss provision to assets | 0.0867% | 2,247 |
| Net operating income to assets | 0.9620% | 2,437 |
| Return on assets (ROA) | 0.9776% | 2,484 |
| Pretax return on assets | 1.4084% | 1,861 |
| Return on Equity (ROE) | 11.2092% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.2092% | 684 |
| Net charge-offs to loans | -0.0209% | 5,067 |
| Credit loss provision to net charge-offs | -722.2222% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4720% | 3,911 |
| Assets per employee ($millions) | 4.2487% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 1,646 |
| Loan loss allowance to noncurrent loans | 369.1087% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,845 |
| Noncurrent loans to loans | 0.4708% | 4,169 |
| Net loans and leases to total assets | 57.4756% | 4,029 |
| Net loans and leases to deposits | 63.2543% | 4,459 |
| Net loans and leases to core deposits | 69.9749% | 4,162 |
| Total domestic deposits to total assets | 90.8643% | 413 |
| Equity capital to assets | 8.9366% | 5,366 |
| Core capital (leverage) ratio | 8.8355% | 5,153 |
| Tier 1 risk-based capital ratio | 13.5575% | 4,296 |
| Total risk-based capital ratio | 14.8114% | 4,210 |
| Memoranda: | ||
| Average total assets | $299,911,000 | 2,196 |
| Average earning assets | $273,150,500 | 2,226 |
| Average equity | $26,157,000 | 2,663 |
| Average total loans | $172,648,500 | 2,342 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 3,454 |
| Cost of funding earning assets | 0.1708% | 5,978 |
| Net interest margin | 3.8947% | 2,265 |
| Noninterest income to average assets | 1.0002% | 1,216 |
| Noninterest expense to average assets | 3.1212% | 2,450 |
| Loan and lease loss provision to assets | 0.0553% | 3,445 |
| Net operating income to assets | 1.2068% | 1,564 |
| Return on assets (ROA) | 1.2199% | 1,578 |
| Pretax return on assets | 1.4043% | 1,872 |
| Return on Equity (ROE) | 13.8840% | 952 |
| Retained earnings to average equity (ytd only) | 13.8840% | 183 |
| Net charge-offs to loans | 0.0099% | 4,710 |
| Credit loss provision to net charge-offs | 937.5000% | 286 |
| Earnings coverage of net charge-offs (x) | 244.8750% | 222 |
| Efficiency ratio | 68.3624% | 3,833 |
| Assets per employee ($millions) | 4.4473% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 1,724 |
| Loan loss allowance to noncurrent loans | 294,900.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 6,113 |
| Noncurrent loans to loans | 0.0006% | 5,946 |
| Net loans and leases to total assets | 55.6812% | 4,371 |
| Net loans and leases to deposits | 60.9725% | 4,812 |
| Net loans and leases to core deposits | 67.3044% | 4,569 |
| Total domestic deposits to total assets | 91.3219% | 269 |
| Equity capital to assets | 8.5101% | 5,747 |
| Core capital (leverage) ratio | 8.9838% | 5,022 |
| Tier 1 risk-based capital ratio | 13.9385% | 4,134 |
| Total risk-based capital ratio | 15.1929% | 4,063 |
| Memoranda: | ||
| Average total assets | $271,245,600 | 2,356 |
| Average earning assets | $248,312,400 | 2,361 |
| Average equity | $23,833,200 | 2,771 |
| Average total loans | $161,397,600 | 2,408 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 3,254 |
| Cost of funding earning assets | 0.1798% | 5,991 |
| Net interest margin | 3.9498% | 2,040 |
| Noninterest income to average assets | 0.9530% | 1,356 |
| Noninterest expense to average assets | 3.1504% | 2,323 |
| Loan and lease loss provision to assets | 0.0759% | 2,819 |
| Net operating income to assets | 1.2388% | 1,557 |
| Return on assets (ROA) | 1.2581% | 1,559 |
| Pretax return on assets | 1.3599% | 2,155 |
| Return on Equity (ROE) | 14.1906% | 952 |
| Retained earnings to average equity (ytd only) | 14.1906% | 242 |
| Net charge-offs to loans | 0.0042% | 4,556 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 558.9070% | 136 |
| Efficiency ratio | 69.0057% | 3,676 |
| Assets per employee ($millions) | 3.9989% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 1,755 |
| Loan loss allowance to noncurrent loans | 6,727.2727% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 5,855 |
| Noncurrent loans to loans | 0.0264% | 5,918 |
| Net loans and leases to total assets | 61.2041% | 3,591 |
| Net loans and leases to deposits | 67.5982% | 4,174 |
| Net loans and leases to core deposits | 75.2637% | 3,831 |
| Total domestic deposits to total assets | 90.5411% | 510 |
| Equity capital to assets | 9.2196% | 5,129 |
| Core capital (leverage) ratio | 9.0343% | 5,030 |
| Tier 1 risk-based capital ratio | 14.5637% | 3,846 |
| Total risk-based capital ratio | 15.8197% | 3,784 |
| Memoranda: | ||
| Average total assets | $263,453,000 | 2,419 |
| Average earning assets | $240,953,000 | 2,433 |
| Average equity | $23,357,500 | 2,823 |
| Average total loans | $158,912,500 | 2,454 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 3,491 |
| Cost of funding earning assets | 0.1825% | 6,056 |
| Net interest margin | 3.8804% | 2,251 |
| Noninterest income to average assets | 0.8322% | 1,725 |
| Noninterest expense to average assets | 3.1127% | 2,448 |
| Loan and lease loss provision to assets | 0.0916% | 2,498 |
| Net operating income to assets | 1.2979% | 1,317 |
| Return on assets (ROA) | 1.3292% | 1,278 |
| Pretax return on assets | 1.2147% | 2,597 |
| Return on Equity (ROE) | 15.1990% | 761 |
| Retained earnings to average equity (ytd only) | 15.1990% | 206 |
| Net charge-offs to loans | 0.0064% | 4,158 |
| Credit loss provision to net charge-offs | 2,400.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 207 |
| Efficiency ratio | 70.9414% | 3,509 |
| Assets per employee ($millions) | 3.9637% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 1,749 |
| Loan loss allowance to noncurrent loans | 48,833.3333% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 5,990 |
| Noncurrent loans to loans | 0.0038% | 6,097 |
| Net loans and leases to total assets | 59.0874% | 3,850 |
| Net loans and leases to deposits | 65.2314% | 4,357 |
| Net loans and leases to core deposits | 72.6278% | 3,982 |
| Total domestic deposits to total assets | 90.5812% | 552 |
| Equity capital to assets | 9.0516% | 5,248 |
| Core capital (leverage) ratio | 9.2022% | 4,733 |
| Tier 1 risk-based capital ratio | 14.2244% | 4,113 |
| Total risk-based capital ratio | 15.4805% | 4,042 |
| Memoranda: | ||
| Average total assets | $261,961,330 | 2,439 |
| Average earning assets | $240,028,670 | 2,442 |
| Average equity | $22,909,330 | 2,856 |
| Average total loans | $156,235,670 | 2,491 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,648 |
| Cost of funding earning assets | 0.1836% | 6,128 |
| Net interest margin | 3.8242% | 2,368 |
| Noninterest income to average assets | 0.6965% | 2,189 |
| Noninterest expense to average assets | 3.1073% | 2,508 |
| Loan and lease loss provision to assets | 0.0461% | 3,174 |
| Net operating income to assets | 1.7728% | 503 |
| Return on assets (ROA) | 1.7912% | 508 |
| Pretax return on assets | 1.0840% | 2,981 |
| Return on Equity (ROE) | 20.8548% | 250 |
| Retained earnings to average equity (ytd only) | 20.8548% | 104 |
| Net charge-offs to loans | 0.0130% | 3,347 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 144.6000% | 337 |
| Efficiency ratio | 73.6516% | 3,206 |
| Assets per employee ($millions) | 4.0829% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 1,970 |
| Loan loss allowance to noncurrent loans | 28,400.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 6,085 |
| Noncurrent loans to loans | 0.0064% | 6,171 |
| Net loans and leases to total assets | 57.5905% | 3,917 |
| Net loans and leases to deposits | 63.1993% | 4,408 |
| Net loans and leases to core deposits | 69.9689% | 4,098 |
| Total domestic deposits to total assets | 91.1252% | 518 |
| Equity capital to assets | 8.6834% | 5,455 |
| Core capital (leverage) ratio | 9.1139% | 4,848 |
| Tier 1 risk-based capital ratio | 14.0422% | 4,307 |
| Total risk-based capital ratio | 15.2979% | 4,237 |
| Memoranda: | ||
| Average total assets | $260,159,000 | 2,454 |
| Average earning assets | $239,631,000 | 2,448 |
| Average equity | $22,345,000 | 2,909 |
| Average total loans | $154,430,500 | 2,531 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,706 |
| Cost of funding earning assets | 0.1780% | 6,402 |
| Net interest margin | 4.1887% | 1,386 |
| Noninterest income to average assets | 1.5883% | 569 |
| Noninterest expense to average assets | 3.5685% | 1,508 |
| Loan and lease loss provision to assets | 0.1497% | 2,407 |
| Net operating income to assets | 1.7650% | 517 |
| Return on assets (ROA) | 1.7770% | 519 |
| Pretax return on assets | 1.7770% | 797 |
| Return on Equity (ROE) | 19.6327% | 302 |
| Retained earnings to average equity (ytd only) | 8.8475% | 807 |
| Net charge-offs to loans | 0.1954% | 2,900 |
| Credit loss provision to net charge-offs | 115.5116% | 2,092 |
| Earnings coverage of net charge-offs (x) | 14.7723% | 1,920 |
| Efficiency ratio | 65.0804% | 4,715 |
| Assets per employee ($millions) | 3.8625% | 4,132 |
| Cash dividends to net income (ytd only)* | 54.9350% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 1,953 |
| Loan loss allowance to noncurrent loans | 3,059.7826% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 5,660 |
| Noncurrent loans to loans | 0.0601% | 6,049 |
| Net loans and leases to total assets | 58.9839% | 3,874 |
| Net loans and leases to deposits | 65.2070% | 4,389 |
| Net loans and leases to core deposits | 71.9510% | 4,080 |
| Total domestic deposits to total assets | 90.4565% | 845 |
| Equity capital to assets | 8.4907% | 5,590 |
| Core capital (leverage) ratio | 8.9362% | 5,099 |
| Tier 1 risk-based capital ratio | 14.1467% | 4,196 |
| Total risk-based capital ratio | 15.4034% | 4,140 |
| Memoranda: | ||
| Average total assets | $233,769,800 | 2,683 |
| Average earning assets | $217,371,400 | 2,651 |
| Average equity | $21,158,600 | 3,015 |
| Average total loans | $155,033,200 | 2,492 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 2,600 |
| Cost of funding earning assets | 0.1799% | 6,504 |
| Net interest margin | 4.2194% | 1,278 |
| Noninterest income to average assets | 1.7652% | 498 |
| Noninterest expense to average assets | 3.6542% | 1,318 |
| Loan and lease loss provision to assets | 0.1897% | 1,934 |
| Net operating income to assets | 1.8499% | 481 |
| Return on assets (ROA) | 1.8668% | 472 |
| Pretax return on assets | 1.8668% | 764 |
| Return on Equity (ROE) | 20.2749% | 283 |
| Retained earnings to average equity (ytd only) | 9.6779% | 863 |
| Net charge-offs to loans | 0.2212% | 2,486 |
| Credit loss provision to net charge-offs | 125.9690% | 1,869 |
| Earnings coverage of net charge-offs (x) | 13.5466% | 2,020 |
| Efficiency ratio | 64.1796% | 4,774 |
| Assets per employee ($millions) | 3.6382% | 4,583 |
| Cash dividends to net income (ytd only)* | 52.2663% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 2,289 |
| Loan loss allowance to noncurrent loans | 490.6574% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 5,719 |
| Noncurrent loans to loans | 0.3678% | 5,294 |
| Net loans and leases to total assets | 64.2580% | 2,960 |
| Net loans and leases to deposits | 71.4851% | 3,572 |
| Net loans and leases to core deposits | 79.5194% | 3,174 |
| Total domestic deposits to total assets | 89.8901% | 1,061 |
| Equity capital to assets | 8.8772% | 5,323 |
| Core capital (leverage) ratio | 9.3076% | 4,683 |
| Tier 1 risk-based capital ratio | 13.7234% | 4,618 |
| Total risk-based capital ratio | 14.9803% | 4,568 |
| Memoranda: | ||
| Average total assets | $228,480,500 | 2,755 |
| Average earning assets | $212,726,250 | 2,711 |
| Average equity | $21,037,000 | 3,072 |
| Average total loans | $155,496,250 | 2,496 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 2,718 |
| Cost of funding earning assets | 0.1798% | 6,572 |
| Net interest margin | 4.1801% | 1,331 |
| Noninterest income to average assets | 1.9181% | 474 |
| Noninterest expense to average assets | 3.8005% | 1,093 |
| Loan and lease loss provision to assets | 0.2538% | 1,459 |
| Net operating income to assets | 1.7560% | 566 |
| Return on assets (ROA) | 1.7818% | 579 |
| Pretax return on assets | 1.7818% | 966 |
| Return on Equity (ROE) | 19.1081% | 375 |
| Retained earnings to average equity (ytd only) | 8.0023% | 1,486 |
| Net charge-offs to loans | 0.3382% | 1,833 |
| Credit loss provision to net charge-offs | 108.7786% | 2,039 |
| Earnings coverage of net charge-offs (x) | 8.6145% | 2,381 |
| Efficiency ratio | 65.4100% | 4,650 |
| Assets per employee ($millions) | 3.4130% | 5,030 |
| Cash dividends to net income (ytd only)* | 58.1209% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 2,595 |
| Loan loss allowance to noncurrent loans | 324.5349% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 5,222 |
| Noncurrent loans to loans | 0.5394% | 4,907 |
| Net loans and leases to total assets | 71.7143% | 1,622 |
| Net loans and leases to deposits | 80.3792% | 2,272 |
| Net loans and leases to core deposits | 91.2595% | 1,783 |
| Total domestic deposits to total assets | 89.2200% | 1,498 |
| Equity capital to assets | 9.4858% | 4,599 |
| Core capital (leverage) ratio | 9.6020% | 4,077 |
| Tier 1 risk-based capital ratio | 13.4813% | 4,781 |
| Total risk-based capital ratio | 14.7382% | 4,733 |
| Memoranda: | ||
| Average total assets | $224,600,330 | 2,794 |
| Average earning assets | $209,132,670 | 2,755 |
| Average equity | $20,944,000 | 3,096 |
| Average total loans | $154,950,670 | 2,505 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 3,118 |
| Cost of funding earning assets | 0.1763% | 6,692 |
| Net interest margin | 4.0725% | 1,552 |
| Noninterest income to average assets | 2.0555% | 417 |
| Noninterest expense to average assets | 3.7701% | 1,152 |
| Loan and lease loss provision to assets | 0.2196% | 1,690 |
| Net operating income to assets | 1.8816% | 420 |
| Return on assets (ROA) | 1.8816% | 455 |
| Pretax return on assets | 1.8816% | 763 |
| Return on Equity (ROE) | 20.3457% | 272 |
| Retained earnings to average equity (ytd only) | 9.7074% | 1,187 |
| Net charge-offs to loans | 0.6889% | 891 |
| Credit loss provision to net charge-offs | 47.5285% | 2,637 |
| Earnings coverage of net charge-offs (x) | 4.5475% | 2,528 |
| Efficiency ratio | 64.2130% | 4,977 |
| Assets per employee ($millions) | 3.6512% | 4,674 |
| Cash dividends to net income (ytd only)* | 52.2876% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 2,852 |
| Loan loss allowance to noncurrent loans | 183.2753% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 4,753 |
| Noncurrent loans to loans | 0.9474% | 4,248 |
| Net loans and leases to total assets | 65.7515% | 2,416 |
| Net loans and leases to deposits | 73.5543% | 2,982 |
| Net loans and leases to core deposits | 83.2018% | 2,434 |
| Total domestic deposits to total assets | 89.3918% | 1,425 |
| Equity capital to assets | 9.3594% | 5,048 |
| Core capital (leverage) ratio | 9.3994% | 4,240 |
| Tier 1 risk-based capital ratio | 13.9395% | 4,552 |
| Total risk-based capital ratio | 15.1960% | 4,506 |
| Memoranda: | ||
| Average total assets | $227,684,500 | 2,804 |
| Average earning assets | $213,332,500 | 2,725 |
| Average equity | $21,056,000 | 3,125 |
| Average total loans | $152,707,000 | 2,543 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 3,885 |
| Cost of funding earning assets | 0.2303% | 6,749 |
| Net interest margin | 4.1518% | 1,812 |
| Noninterest income to average assets | 1.7933% | 515 |
| Noninterest expense to average assets | 3.8046% | 1,243 |
| Loan and lease loss provision to assets | 0.3980% | 1,635 |
| Net operating income to assets | 1.4316% | 1,046 |
| Return on assets (ROA) | 1.6262% | 799 |
| Pretax return on assets | 1.6262% | 1,316 |
| Return on Equity (ROE) | 18.1523% | 434 |
| Retained earnings to average equity (ytd only) | 11.0126% | 439 |
| Net charge-offs to loans | 0.0133% | 5,732 |
| Credit loss provision to net charge-offs | 4,805.5556% | 53 |
| Earnings coverage of net charge-offs (x) | 220.8889% | 192 |
| Efficiency ratio | 67.5270% | 4,230 |
| Assets per employee ($millions) | 3.6349% | 4,698 |
| Cash dividends to net income (ytd only)* | 39.3322% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7981% | 2,589 |
| Loan loss allowance to noncurrent loans | 137.3016% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 4,260 |
| Noncurrent loans to loans | 1.3096% | 3,643 |
| Net loans and leases to total assets | 66.0153% | 2,523 |
| Net loans and leases to deposits | 73.6061% | 3,156 |
| Net loans and leases to core deposits | 83.4214% | 2,617 |
| Total domestic deposits to total assets | 89.6872% | 1,136 |
| Equity capital to assets | 9.1377% | 5,352 |
| Core capital (leverage) ratio | 8.9246% | 5,012 |
| Tier 1 risk-based capital ratio | 13.8942% | 4,454 |
| Total risk-based capital ratio | 15.1521% | 4,414 |
| Memoranda: | ||
| Average total assets | $217,313,400 | 2,867 |
| Average earning assets | $201,045,600 | 2,833 |
| Average equity | $19,468,600 | 3,263 |
| Average total loans | $135,338,200 | 2,786 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 4,150 |
| Cost of funding earning assets | 0.2427% | 6,841 |
| Net interest margin | 4.1333% | 1,956 |
| Noninterest income to average assets | 1.6586% | 551 |
| Noninterest expense to average assets | 3.6244% | 1,512 |
| Loan and lease loss provision to assets | 0.4136% | 1,545 |
| Net operating income to assets | 1.4328% | 1,154 |
| Return on assets (ROA) | 1.6263% | 879 |
| Pretax return on assets | 1.6263% | 1,488 |
| Return on Equity (ROE) | 18.2500% | 474 |
| Retained earnings to average equity (ytd only) | 8.5492% | 1,393 |
| Net charge-offs to loans | -0.0102% | 6,369 |
| Credit loss provision to net charge-offs | -6,650.0000% | 6,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2499% | 4,406 |
| Assets per employee ($millions) | 3.8861% | 4,121 |
| Cash dividends to net income (ytd only)* | 53.1550% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 2,993 |
| Loan loss allowance to noncurrent loans | 112.7715% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.0333% | 4,231 |
| Noncurrent loans to loans | 1.5435% | 3,476 |
| Net loans and leases to total assets | 65.0171% | 2,836 |
| Net loans and leases to deposits | 72.5781% | 3,517 |
| Net loans and leases to core deposits | 82.6883% | 2,875 |
| Total domestic deposits to total assets | 89.5823% | 1,083 |
| Equity capital to assets | 9.0241% | 5,804 |
| Core capital (leverage) ratio | 8.7433% | 5,411 |
| Tier 1 risk-based capital ratio | 13.3742% | 4,970 |
| Total risk-based capital ratio | 14.6307% | 4,925 |
| Memoranda: | ||
| Average total assets | $214,392,500 | 2,922 |
| Average earning assets | $197,737,250 | 2,889 |
| Average equity | $19,104,500 | 3,340 |
| Average total loans | $130,687,500 | 2,903 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 4,672 |
| Cost of funding earning assets | 0.2500% | 6,913 |
| Net interest margin | 4.0233% | 2,402 |
| Noninterest income to average assets | 1.4464% | 694 |
| Noninterest expense to average assets | 3.5943% | 1,584 |
| Loan and lease loss provision to assets | 0.2135% | 2,940 |
| Net operating income to assets | 1.3496% | 1,313 |
| Return on assets (ROA) | 1.4445% | 1,231 |
| Pretax return on assets | 1.4445% | 2,031 |
| Return on Equity (ROE) | 16.2845% | 727 |
| Retained earnings to average equity (ytd only) | 5.5958% | 2,934 |
| Net charge-offs to loans | 0.0096% | 5,327 |
| Credit loss provision to net charge-offs | 3,750.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 274.5000% | 157 |
| Efficiency ratio | 69.6908% | 3,815 |
| Assets per employee ($millions) | 3.9041% | 4,063 |
| Cash dividends to net income (ytd only)* | 65.6373% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 3,677 |
| Loan loss allowance to noncurrent loans | 344.0514% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 6,012 |
| Noncurrent loans to loans | 0.4590% | 5,616 |
| Net loans and leases to total assets | 62.1081% | 3,407 |
| Net loans and leases to deposits | 68.2468% | 4,156 |
| Net loans and leases to core deposits | 78.2130% | 3,480 |
| Total domestic deposits to total assets | 91.0052% | 443 |
| Equity capital to assets | 8.8686% | 5,845 |
| Core capital (leverage) ratio | 8.6978% | 5,388 |
| Tier 1 risk-based capital ratio | 13.9803% | 4,461 |
| Total risk-based capital ratio | 15.0559% | 4,566 |
| Memoranda: | ||
| Average total assets | $210,724,670 | 2,961 |
| Average earning assets | $194,367,000 | 2,946 |
| Average equity | $18,692,670 | 3,400 |
| Average total loans | $124,536,000 | 3,032 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 5,053 |
| Cost of funding earning assets | 0.2573% | 6,991 |
| Net interest margin | 3.9585% | 2,673 |
| Noninterest income to average assets | 1.3894% | 752 |
| Noninterest expense to average assets | 3.4476% | 1,888 |
| Loan and lease loss provision to assets | 0.1150% | 3,918 |
| Net operating income to assets | 1.4833% | 1,050 |
| Return on assets (ROA) | 1.4833% | 1,174 |
| Pretax return on assets | 1.4833% | 1,915 |
| Return on Equity (ROE) | 16.7193% | 711 |
| Retained earnings to average equity (ytd only) | 8.0788% | 1,958 |
| Net charge-offs to loans | 0.0202% | 4,407 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 261 |
| Efficiency ratio | 68.3251% | 4,114 |
| Assets per employee ($millions) | 3.8995% | 4,201 |
| Cash dividends to net income (ytd only)* | 51.6796% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 3,560 |
| Loan loss allowance to noncurrent loans | 387.2549% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 6,272 |
| Noncurrent loans to loans | 0.4248% | 5,819 |
| Net loans and leases to total assets | 54.0681% | 4,708 |
| Net loans and leases to deposits | 59.2216% | 5,254 |
| Net loans and leases to core deposits | 67.4460% | 4,740 |
| Total domestic deposits to total assets | 91.2978% | 440 |
| Equity capital to assets | 8.5520% | 6,040 |
| Core capital (leverage) ratio | 8.7766% | 5,161 |
| Tier 1 risk-based capital ratio | 15.3887% | 3,505 |
| Total risk-based capital ratio | 16.6436% | 3,470 |
| Memoranda: | ||
| Average total assets | $208,725,000 | 3,002 |
| Average earning assets | $192,802,000 | 2,990 |
| Average equity | $18,517,500 | 3,422 |
| Average total loans | $119,053,500 | 3,173 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3721% | 5,527 |
| Cost of funding earning assets | 0.3593% | 6,987 |
| Net interest margin | 4.0128% | 2,822 |
| Noninterest income to average assets | 1.0970% | 1,103 |
| Noninterest expense to average assets | 3.5397% | 1,890 |
| Loan and lease loss provision to assets | 0.0867% | 5,513 |
| Net operating income to assets | 1.1192% | 1,759 |
| Return on assets (ROA) | 1.1501% | 1,778 |
| Pretax return on assets | 1.1501% | 2,650 |
| Return on Equity (ROE) | 13.2106% | 1,122 |
| Retained earnings to average equity (ytd only) | 8.8299% | 849 |
| Net charge-offs to loans | 0.0224% | 6,129 |
| Credit loss provision to net charge-offs | 615.3846% | 365 |
| Earnings coverage of net charge-offs (x) | 85.6154% | 343 |
| Efficiency ratio | 74.5890% | 3,129 |
| Assets per employee ($millions) | 3.6196% | 4,726 |
| Cash dividends to net income (ytd only)* | 33.1606% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,479 |
| Loan loss allowance to noncurrent loans | 195.6212% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 5,701 |
| Noncurrent loans to loans | 0.8318% | 5,024 |
| Net loans and leases to total assets | 58.3397% | 4,312 |
| Net loans and leases to deposits | 64.3278% | 4,965 |
| Net loans and leases to core deposits | 74.3119% | 4,196 |
| Total domestic deposits to total assets | 90.6911% | 634 |
| Equity capital to assets | 9.2225% | 5,253 |
| Core capital (leverage) ratio | 9.3822% | 4,205 |
| Tier 1 risk-based capital ratio | 16.6596% | 2,750 |
| Total risk-based capital ratio | 17.9169% | 2,705 |
| Memoranda: | ||
| Average total assets | $184,590,200 | 3,265 |
| Average earning assets | $167,837,400 | 3,281 |
| Average equity | $16,070,400 | 3,716 |
| Average total loans | $116,135,800 | 3,251 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 5,729 |
| Cost of funding earning assets | 0.3808% | 7,058 |
| Net interest margin | 3.9820% | 2,997 |
| Noninterest income to average assets | 0.9674% | 1,429 |
| Noninterest expense to average assets | 3.5821% | 1,747 |
| Loan and lease loss provision to assets | 0.0405% | 5,933 |
| Net operating income to assets | 0.9659% | 2,454 |
| Return on assets (ROA) | 0.9674% | 2,616 |
| Pretax return on assets | 0.9674% | 3,528 |
| Return on Equity (ROE) | 11.2958% | 1,760 |
| Retained earnings to average equity (ytd only) | 5.2393% | 3,034 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0668% | 2,535 |
| Assets per employee ($millions) | 3.7414% | 4,430 |
| Cash dividends to net income (ytd only)* | 53.6176% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 3,939 |
| Loan loss allowance to noncurrent loans | 438.5714% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 6,457 |
| Noncurrent loans to loans | 0.3499% | 6,151 |
| Net loans and leases to total assets | 63.1785% | 3,481 |
| Net loans and leases to deposits | 69.2709% | 4,419 |
| Net loans and leases to core deposits | 83.8677% | 3,080 |
| Total domestic deposits to total assets | 91.2049% | 377 |
| Equity capital to assets | 8.6112% | 6,186 |
| Core capital (leverage) ratio | 8.5736% | 5,593 |
| Tier 1 risk-based capital ratio | 13.6732% | 4,598 |
| Total risk-based capital ratio | 14.9278% | 4,565 |
| Memoranda: | ||
| Average total assets | $180,968,000 | 3,330 |
| Average earning assets | $164,570,250 | 3,344 |
| Average equity | $15,498,000 | 3,824 |
| Average total loans | $115,654,000 | 3,288 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 5,938 |
| Cost of funding earning assets | 0.3979% | 7,129 |
| Net interest margin | 3.9268% | 3,185 |
| Noninterest income to average assets | 0.8998% | 1,645 |
| Noninterest expense to average assets | 3.6293% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8226% | 2,968 |
| Return on assets (ROA) | 0.8249% | 3,076 |
| Pretax return on assets | 0.8249% | 3,930 |
| Return on Equity (ROE) | 9.6506% | 2,245 |
| Retained earnings to average equity (ytd only) | 2.4192% | 4,752 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5215% | 2,166 |
| Assets per employee ($millions) | 3.6367% | 4,596 |
| Cash dividends to net income (ytd only)* | 74.9322% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 3,869 |
| Loan loss allowance to noncurrent loans | 220.6173% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 5,999 |
| Noncurrent loans to loans | 0.7065% | 5,498 |
| Net loans and leases to total assets | 62.0690% | 3,874 |
| Net loans and leases to deposits | 68.0080% | 4,706 |
| Net loans and leases to core deposits | 81.0284% | 3,653 |
| Total domestic deposits to total assets | 91.2673% | 403 |
| Equity capital to assets | 8.5315% | 6,147 |
| Core capital (leverage) ratio | 8.7137% | 5,201 |
| Tier 1 risk-based capital ratio | 13.9779% | 4,185 |
| Total risk-based capital ratio | 15.2322% | 4,158 |
| Memoranda: | ||
| Average total assets | $178,934,000 | 3,380 |
| Average earning assets | $161,863,000 | 3,408 |
| Average equity | $15,294,330 | 3,853 |
| Average total loans | $114,195,330 | 3,355 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 6,436 |
| Cost of funding earning assets | 0.4047% | 7,214 |
| Net interest margin | 3.7278% | 3,958 |
| Noninterest income to average assets | 0.9894% | 1,359 |
| Noninterest expense to average assets | 3.6916% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7234% | 3,412 |
| Return on assets (ROA) | 0.7234% | 3,475 |
| Pretax return on assets | 0.7234% | 4,205 |
| Return on Equity (ROE) | 8.4557% | 2,717 |
| Retained earnings to average equity (ytd only) | 0.7112% | 5,540 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6141% | 2,003 |
| Assets per employee ($millions) | 3.3985% | 5,242 |
| Cash dividends to net income (ytd only)* | 91.5888% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 3,765 |
| Loan loss allowance to noncurrent loans | 217.6614% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 6,000 |
| Noncurrent loans to loans | 0.7314% | 5,548 |
| Net loans and leases to total assets | 63.7288% | 3,492 |
| Net loans and leases to deposits | 69.9894% | 4,342 |
| Net loans and leases to core deposits | 87.2999% | 2,699 |
| Total domestic deposits to total assets | 91.0550% | 600 |
| Equity capital to assets | 8.7789% | 5,529 |
| Core capital (leverage) ratio | 8.6543% | 5,163 |
| Tier 1 risk-based capital ratio | 14.9173% | 3,464 |
| Total risk-based capital ratio | 16.1732% | 3,431 |
| Memoranda: | ||
| Average total assets | $177,484,500 | 3,422 |
| Average earning assets | $163,099,000 | 3,400 |
| Average equity | $15,185,000 | 3,866 |
| Average total loans | $113,968,500 | 3,388 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 5,865 |
| Cost of funding earning assets | 0.4685% | 7,344 |
| Net interest margin | 4.2110% | 2,142 |
| Noninterest income to average assets | 1.4383% | 694 |
| Noninterest expense to average assets | 4.1682% | 940 |
| Loan and lease loss provision to assets | 0.1636% | 5,577 |
| Net operating income to assets | 0.9410% | 2,237 |
| Return on assets (ROA) | 0.9416% | 2,359 |
| Pretax return on assets | 0.9416% | 3,128 |
| Return on Equity (ROE) | 9.8836% | 1,974 |
| Retained earnings to average equity (ytd only) | 7.2462% | 1,226 |
| Net charge-offs to loans | 0.0115% | 6,716 |
| Credit loss provision to net charge-offs | 2,083.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 140.6667% | 176 |
| Efficiency ratio | 79.0519% | 2,532 |
| Assets per employee ($millions) | 3.6329% | 4,626 |
| Cash dividends to net income (ytd only)* | 26.6852% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 3,801 |
| Loan loss allowance to noncurrent loans | 236.3757% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 6,191 |
| Noncurrent loans to loans | 0.6535% | 5,750 |
| Net loans and leases to total assets | 62.7078% | 4,129 |
| Net loans and leases to deposits | 68.4616% | 5,044 |
| Net loans and leases to core deposits | 83.9054% | 3,608 |
| Total domestic deposits to total assets | 91.5956% | 374 |
| Equity capital to assets | 8.3427% | 6,091 |
| Core capital (leverage) ratio | 8.7700% | 4,901 |
| Tier 1 risk-based capital ratio | 14.8081% | 3,369 |
| Total risk-based capital ratio | 16.0637% | 3,320 |
| Memoranda: | ||
| Average total assets | $152,823,800 | 3,828 |
| Average earning assets | $139,158,800 | 3,836 |
| Average equity | $14,559,400 | 4,020 |
| Average total loans | $104,049,000 | 3,680 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 5,460 |
| Cost of funding earning assets | 0.4715% | 7,485 |
| Net interest margin | 4.3813% | 1,586 |
| Noninterest income to average assets | 1.1940% | 980 |
| Noninterest expense to average assets | 4.1486% | 879 |
| Loan and lease loss provision to assets | 0.2289% | 4,787 |
| Net operating income to assets | 0.7984% | 3,004 |
| Return on assets (ROA) | 0.7993% | 3,158 |
| Pretax return on assets | 0.7993% | 3,907 |
| Return on Equity (ROE) | 8.0771% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.5243% | 3,325 |
| Net charge-offs to loans | 0.0158% | 6,459 |
| Credit loss provision to net charge-offs | 2,083.3333% | 152 |
| Earnings coverage of net charge-offs (x) | 93.4975% | 331 |
| Efficiency ratio | 80.1521% | 2,316 |
| Assets per employee ($millions) | 3.4158% | 5,165 |
| Cash dividends to net income (ytd only)* | 43.9865% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,629 |
| Loan loss allowance to noncurrent loans | 1,285.6115% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 7,082 |
| Noncurrent loans to loans | 0.1227% | 6,939 |
| Net loans and leases to total assets | 66.6366% | 3,539 |
| Net loans and leases to deposits | 73.2292% | 4,647 |
| Net loans and leases to core deposits | 91.9222% | 2,813 |
| Total domestic deposits to total assets | 90.9973% | 452 |
| Equity capital to assets | 8.8061% | 5,854 |
| Core capital (leverage) ratio | 9.4457% | 3,994 |
| Tier 1 risk-based capital ratio | 14.6624% | 3,416 |
| Total risk-based capital ratio | 15.9187% | 3,391 |
| Memoranda: | ||
| Average total assets | $145,618,750 | 4,014 |
| Average earning assets | $132,347,750 | 4,022 |
| Average equity | $14,410,750 | 4,109 |
| Average total loans | $101,138,250 | 3,830 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 4,617 |
| Cost of funding earning assets | 0.4771% | 7,575 |
| Net interest margin | 4.5920% | 1,024 |
| Noninterest income to average assets | 1.0147% | 1,338 |
| Noninterest expense to average assets | 4.2308% | 781 |
| Loan and lease loss provision to assets | 0.3252% | 3,795 |
| Net operating income to assets | 0.6186% | 3,789 |
| Return on assets (ROA) | 0.6201% | 3,917 |
| Pretax return on assets | 0.6201% | 4,503 |
| Return on Equity (ROE) | 5.9994% | 3,803 |
| Retained earnings to average equity (ytd only) | 2.5872% | 4,496 |
| Net charge-offs to loans | 0.0247% | 5,994 |
| Credit loss provision to net charge-offs | 1,875.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 54.4167% | 555 |
| Efficiency ratio | 81.7598% | 2,203 |
| Assets per employee ($millions) | 2.9328% | 6,291 |
| Cash dividends to net income (ytd only)* | 56.8765% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 2,810 |
| Loan loss allowance to noncurrent loans | 1,006.8571% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 6,983 |
| Noncurrent loans to loans | 0.1761% | 6,899 |
| Net loans and leases to total assets | 69.3379% | 3,053 |
| Net loans and leases to deposits | 77.4472% | 4,091 |
| Net loans and leases to core deposits | 86.4914% | 3,767 |
| Total domestic deposits to total assets | 89.5292% | 1,161 |
| Equity capital to assets | 10.2456% | 3,711 |
| Core capital (leverage) ratio | 10.3344% | 2,786 |
| Tier 1 risk-based capital ratio | 13.7779% | 3,892 |
| Total risk-based capital ratio | 15.0331% | 3,853 |
| Memoranda: | ||
| Average total assets | $138,367,670 | 4,167 |
| Average earning assets | $125,347,330 | 4,199 |
| Average equity | $14,301,330 | 4,135 |
| Average total loans | $97,078,330 | 3,983 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 5,455 |
| Cost of funding earning assets | 0.4602% | 7,722 |
| Net interest margin | 4.4418% | 1,269 |
| Noninterest income to average assets | 0.9157% | 1,571 |
| Noninterest expense to average assets | 4.1672% | 841 |
| Loan and lease loss provision to assets | 0.3645% | 3,184 |
| Net operating income to assets | 0.4374% | 4,679 |
| Return on assets (ROA) | 0.4374% | 4,807 |
| Pretax return on assets | 0.4374% | 5,170 |
| Return on Equity (ROE) | 4.2133% | 4,796 |
| Retained earnings to average equity (ytd only) | 1.2078% | 5,335 |
| Net charge-offs to loans | 0.1793% | 3,847 |
| Credit loss provision to net charge-offs | 290.6977% | 1,357 |
| Earnings coverage of net charge-offs (x) | 6.3953% | 2,231 |
| Efficiency ratio | 83.8615% | 2,036 |
| Assets per employee ($millions) | 3.0514% | 6,100 |
| Cash dividends to net income (ytd only)* | 71.3333% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 3,123 |
| Loan loss allowance to noncurrent loans | 765.7277% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 6,742 |
| Noncurrent loans to loans | 0.2200% | 6,892 |
| Net loans and leases to total assets | 67.8092% | 3,439 |
| Net loans and leases to deposits | 75.6359% | 4,473 |
| Net loans and leases to core deposits | 83.0050% | 4,340 |
| Total domestic deposits to total assets | 89.6521% | 1,158 |
| Equity capital to assets | 10.1691% | 3,644 |
| Core capital (leverage) ratio | 10.8748% | 2,315 |
| Tier 1 risk-based capital ratio | 14.1543% | 3,566 |
| Total risk-based capital ratio | 15.4089% | 3,529 |
| Memoranda: | ||
| Average total assets | $137,165,000 | 4,245 |
| Average earning assets | $125,175,500 | 4,257 |
| Average equity | $14,240,500 | 4,186 |
| Average total loans | $95,932,000 | 4,074 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 5,848 |
| Cost of funding earning assets | 0.4678% | 7,853 |
| Net interest margin | 4.6878% | 852 |
| Noninterest income to average assets | 1.2998% | 888 |
| Noninterest expense to average assets | 3.9688% | 1,404 |
| Loan and lease loss provision to assets | 0.7237% | 2,947 |
| Net operating income to assets | 1.0160% | 1,785 |
| Return on assets (ROA) | 1.0196% | 1,823 |
| Pretax return on assets | 1.0196% | 2,526 |
| Return on Equity (ROE) | 10.3058% | 1,606 |
| Retained earnings to average equity (ytd only) | 5.7721% | 1,439 |
| Net charge-offs to loans | 0.4197% | 4,122 |
| Credit loss provision to net charge-offs | 272.9730% | 1,262 |
| Earnings coverage of net charge-offs (x) | 6.5622% | 2,339 |
| Efficiency ratio | 69.5243% | 4,730 |
| Assets per employee ($millions) | 3.0446% | 6,111 |
| Cash dividends to net income (ytd only)* | 43.9916% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 3,165 |
| Loan loss allowance to noncurrent loans | 717.1296% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 7,025 |
| Noncurrent loans to loans | 0.2272% | 6,865 |
| Net loans and leases to total assets | 69.7971% | 3,305 |
| Net loans and leases to deposits | 78.2131% | 4,328 |
| Net loans and leases to core deposits | 90.6221% | 5,060 |
| Total domestic deposits to total assets | 89.2396% | 1,370 |
| Equity capital to assets | 10.6051% | 3,062 |
| Core capital (leverage) ratio | 10.5051% | 2,601 |
| Tier 1 risk-based capital ratio | 13.2738% | 3,968 |
| Total risk-based capital ratio | 14.5260% | 3,911 |
| Memoranda: | ||
| Average total assets | $139,563,400 | 4,134 |
| Average earning assets | $131,254,400 | 4,061 |
| Average equity | $13,807,800 | 4,312 |
| Average total loans | $88,160,400 | 4,265 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 6,136 |
| Cost of funding earning assets | 0.4596% | 7,959 |
| Net interest margin | 4.6819% | 863 |
| Noninterest income to average assets | 1.2116% | 1,051 |
| Noninterest expense to average assets | 3.7825% | 1,629 |
| Loan and lease loss provision to assets | 0.7945% | 2,379 |
| Net operating income to assets | 1.0764% | 1,807 |
| Return on assets (ROA) | 1.0811% | 1,844 |
| Pretax return on assets | 1.0811% | 2,637 |
| Return on Equity (ROE) | 11.1173% | 1,588 |
| Retained earnings to average equity (ytd only) | 5.0286% | 2,475 |
| Net charge-offs to loans | 0.4165% | 3,600 |
| Credit loss provision to net charge-offs | 311.1111% | 1,328 |
| Earnings coverage of net charge-offs (x) | 7.3260% | 2,425 |
| Efficiency ratio | 66.9065% | 5,209 |
| Assets per employee ($millions) | 3.0870% | 5,940 |
| Cash dividends to net income (ytd only)* | 54.7685% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,114 |
| Loan loss allowance to noncurrent loans | 684.7222% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 7,091 |
| Noncurrent loans to loans | 0.2295% | 6,927 |
| Net loans and leases to total assets | 68.1948% | 3,914 |
| Net loans and leases to deposits | 76.3214% | 4,981 |
| Net loans and leases to core deposits | 87.3092% | 5,716 |
| Total domestic deposits to total assets | 89.3521% | 1,038 |
| Equity capital to assets | 10.3018% | 3,734 |
| Core capital (leverage) ratio | 10.1089% | 3,164 |
| Tier 1 risk-based capital ratio | 13.2929% | 3,990 |
| Total risk-based capital ratio | 14.5454% | 3,938 |
| Memoranda: | ||
| Average total assets | $140,963,250 | 4,118 |
| Average earning assets | $133,732,000 | 4,044 |
| Average equity | $13,708,000 | 4,361 |
| Average total loans | $86,437,500 | 4,354 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 6,717 |
| Cost of funding earning assets | 0.4446% | 8,061 |
| Net interest margin | 4.5700% | 1,018 |
| Noninterest income to average assets | 1.3976% | 782 |
| Noninterest expense to average assets | 3.6699% | 1,897 |
| Loan and lease loss provision to assets | 0.8761% | 1,924 |
| Net operating income to assets | 1.2027% | 1,467 |
| Return on assets (ROA) | 1.2097% | 1,532 |
| Pretax return on assets | 1.2097% | 2,268 |
| Return on Equity (ROE) | 12.6791% | 1,246 |
| Retained earnings to average equity (ytd only) | 7.5957% | 1,354 |
| Net charge-offs to loans | 0.6438% | 2,424 |
| Credit loss provision to net charge-offs | 231.4815% | 1,993 |
| Earnings coverage of net charge-offs (x) | 5.4926% | 2,825 |
| Efficiency ratio | 63.8381% | 5,946 |
| Assets per employee ($millions) | 3.5458% | 4,699 |
| Cash dividends to net income (ytd only)* | 40.0927% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 3,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,560 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 66.3117% | 4,505 |
| Net loans and leases to deposits | 74.2403% | 5,419 |
| Net loans and leases to core deposits | 83.0644% | 6,156 |
| Total domestic deposits to total assets | 89.3203% | 1,113 |
| Equity capital to assets | 10.3784% | 3,539 |
| Core capital (leverage) ratio | 10.0541% | 3,237 |
| Tier 1 risk-based capital ratio | 13.8902% | 3,581 |
| Total risk-based capital ratio | 15.1509% | 3,515 |
| Memoranda: | ||
| Average total assets | $142,674,330 | 4,121 |
| Average earning assets | $135,843,670 | 4,030 |
| Average equity | $13,613,000 | 4,394 |
| Average total loans | $83,880,670 | 4,466 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 7,122 |
| Cost of funding earning assets | 0.4072% | 8,132 |
| Net interest margin | 4.5139% | 1,103 |
| Noninterest income to average assets | 1.3039% | 842 |
| Noninterest expense to average assets | 3.5461% | 1,984 |
| Loan and lease loss provision to assets | 0.8183% | 1,580 |
| Net operating income to assets | 1.2629% | 1,470 |
| Return on assets (ROA) | 1.2820% | 1,526 |
| Pretax return on assets | 1.2820% | 2,341 |
| Return on Equity (ROE) | 14.0011% | 1,169 |
| Retained earnings to average equity (ytd only) | 12.0350% | 777 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0150% | 5,869 |
| Assets per employee ($millions) | 4.2495% | 3,168 |
| Cash dividends to net income (ytd only)* | 14.0426% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 3,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.2134% | 6,067 |
| Net loans and leases to deposits | 63.4610% | 6,606 |
| Net loans and leases to core deposits | 67.2106% | 7,180 |
| Total domestic deposits to total assets | 90.1552% | 728 |
| Equity capital to assets | 9.6130% | 4,506 |
| Core capital (leverage) ratio | 9.6557% | 3,812 |
| Tier 1 risk-based capital ratio | 14.0515% | 3,557 |
| Total risk-based capital ratio | 15.2813% | 3,492 |
| Memoranda: | ||
| Average total assets | $146,641,000 | 4,065 |
| Average earning assets | $140,455,500 | 3,941 |
| Average equity | $13,427,500 | 4,468 |
| Average total loans | $80,514,500 | 4,597 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 6,667 |
| Cost of funding earning assets | 1.4063% | 7,730 |
| Net interest margin | 4.3273% | 1,892 |
| Noninterest income to average assets | 0.8563% | 2,188 |
| Noninterest expense to average assets | 3.9040% | 1,553 |
| Loan and lease loss provision to assets | 0.4160% | 3,204 |
| Net operating income to assets | 0.6357% | 4,166 |
| Return on assets (ROA) | 0.6357% | 4,012 |
| Pretax return on assets | 0.6357% | 4,583 |
| Return on Equity (ROE) | 5.2079% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.8524% | 2,730 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7778% | 2,795 |
| Assets per employee ($millions) | 4.2514% | 3,030 |
| Cash dividends to net income (ytd only)* | 26.0274% | 4,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.2419% | 6,911 |
| Net loans and leases to deposits | 56.1882% | 7,305 |
| Net loans and leases to core deposits | 58.7748% | 7,640 |
| Total domestic deposits to total assets | 91.1969% | 271 |
| Equity capital to assets | 8.7137% | 5,788 |
| Core capital (leverage) ratio | 9.2598% | 4,353 |
| Tier 1 risk-based capital ratio | 14.4434% | 3,325 |
| Total risk-based capital ratio | 15.4591% | 3,361 |
| Memoranda: | ||
| Average total assets | $103,355,200 | 4,953 |
| Average earning assets | $97,913,400 | 4,864 |
| Average equity | $12,615,400 | 4,669 |
| Average total loans | $61,729,000 | 5,189 |