Home > Nekoosa Port Edwards State Bank > Performance and Condition Ratios
Nekoosa Port Edwards State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 3,480 |
| Cost of funding earning assets | 1.3409% | 2,389 |
| Net interest margin | 2.9323% | 3,423 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 1.2838% | 4,444 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 2.3355% | 287 |
| Return on assets (ROA) | 2.3355% | 280 |
| Pretax return on assets | 2.3355% | 410 |
| Return on Equity (ROE) | 17.4000% | 902 |
| Retained earnings to average equity (ytd only) | 9.9052% | 1,037 |
| Net charge-offs to loans | -0.0631% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 34.5309% | 4,456 |
| Assets per employee ($millions) | 9.1105% | 948 |
| Cash dividends to net income (ytd only)* | 43.0663% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2615% | 256 |
| 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 | 65.2300% | 2,339 |
| Net loans and leases to deposits | 76.5295% | 2,402 |
| Net loans and leases to core deposits | 93.4388% | 1,810 |
| Total domestic deposits to total assets | 85.2300% | 2,236 |
| Equity capital to assets | 14.1486% | 653 |
| Core capital (leverage) ratio | 15.6000% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5025% | 293 |
| Memoranda: | ||
| Average total assets | $248,552,200 | 2,690 |
| Average earning assets | $239,985,000 | 2,630 |
| Average equity | $33,366,400 | 2,124 |
| Average total loans | $166,279,000 | 2,548 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 3,463 |
| Cost of funding earning assets | 1.2315% | 2,328 |
| Net interest margin | 2.9693% | 3,402 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.3040% | 4,445 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.6820% | 817 |
| Return on assets (ROA) | 1.6820% | 808 |
| Pretax return on assets | 1.6820% | 1,198 |
| Return on Equity (ROE) | 12.7100% | 1,956 |
| Retained earnings to average equity (ytd only) | 4.5484% | 3,083 |
| Net charge-offs to loans | -0.0670% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.0219% | 4,308 |
| Assets per employee ($millions) | 7.6689% | 1,526 |
| Cash dividends to net income (ytd only)* | 64.2055% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2519% | 275 |
| 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 | 67.2200% | 2,135 |
| Net loans and leases to deposits | 78.2499% | 2,227 |
| Net loans and leases to core deposits | 97.3489% | 1,485 |
| Total domestic deposits to total assets | 85.9000% | 2,233 |
| Equity capital to assets | 13.3428% | 753 |
| Core capital (leverage) ratio | 14.7012% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5706% | 364 |
| Memoranda: | ||
| Average total assets | $246,917,000 | 2,709 |
| Average earning assets | $238,073,250 | 2,643 |
| Average equity | $32,685,000 | 2,141 |
| Average total loans | $165,288,250 | 2,565 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 3,434 |
| Cost of funding earning assets | 1.1107% | 2,251 |
| Net interest margin | 3.0170% | 3,387 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.2982% | 4,472 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.7686% | 691 |
| Return on assets (ROA) | 1.7686% | 694 |
| Pretax return on assets | 1.7686% | 1,075 |
| Return on Equity (ROE) | 13.4000% | 1,819 |
| Retained earnings to average equity (ytd only) | 4.2124% | 3,156 |
| Net charge-offs to loans | -0.0731% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.3491% | 4,355 |
| Assets per employee ($millions) | 7.3919% | 1,674 |
| Cash dividends to net income (ytd only)* | 68.5558% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2123% | 299 |
| 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 | 66.1400% | 2,143 |
| Net loans and leases to deposits | 76.9898% | 2,216 |
| Net loans and leases to core deposits | 97.4075% | 1,389 |
| Total domestic deposits to total assets | 85.9100% | 2,256 |
| Equity capital to assets | 13.5443% | 708 |
| Core capital (leverage) ratio | 14.7565% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3987% | 337 |
| Memoranda: | ||
| Average total assets | $247,421,000 | 2,705 |
| Average earning assets | $238,585,000 | 2,645 |
| Average equity | $32,665,333 | 2,155 |
| Average total loans | $164,134,333 | 2,564 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 3,343 |
| Cost of funding earning assets | 1.0167% | 1,992 |
| Net interest margin | 3.0450% | 3,480 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.2827% | 4,546 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.7996% | 669 |
| Return on assets (ROA) | 1.7996% | 661 |
| Pretax return on assets | 1.7996% | 1,069 |
| Return on Equity (ROE) | 13.8100% | 1,814 |
| Retained earnings to average equity (ytd only) | 1.4902% | 3,785 |
| Net charge-offs to loans | -0.0831% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.7861% | 4,425 |
| Assets per employee ($millions) | 8.0924% | 1,294 |
| Cash dividends to net income (ytd only)* | 89.2061% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1705% | 336 |
| 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 | 66.3300% | 2,027 |
| Net loans and leases to deposits | 77.0914% | 2,028 |
| Net loans and leases to core deposits | 95.6726% | 1,305 |
| Total domestic deposits to total assets | 86.0500% | 2,574 |
| Equity capital to assets | 13.4925% | 672 |
| Core capital (leverage) ratio | 13.9007% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7275% | 366 |
| Memoranda: | ||
| Average total assets | $249,165,000 | 2,732 |
| Average earning assets | $240,396,500 | 2,667 |
| Average equity | $32,478,500 | 2,189 |
| Average total loans | $163,708,500 | 2,597 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4635% | 3,170 |
| Cost of funding earning assets | 0.6890% | 611 |
| Net interest margin | 2.7745% | 3,934 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.1747% | 4,616 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6291% | 640 |
| Return on assets (ROA) | 1.6291% | 610 |
| Pretax return on assets | 1.6291% | 1,081 |
| Return on Equity (ROE) | 13.1000% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.8337% | 2,308 |
| Net charge-offs to loans | -0.0415% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.8456% | 4,520 |
| Assets per employee ($millions) | 8.5186% | 1,084 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 328 |
| Loan loss allowance to noncurrent loans | 175,000.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,954 |
| Noncurrent loans to loans | 0.0012% | 3,892 |
| Net loans and leases to total assets | 62.3400% | 2,399 |
| Net loans and leases to deposits | 71.7250% | 2,431 |
| Net loans and leases to core deposits | 87.7510% | 1,625 |
| Total domestic deposits to total assets | 86.9100% | 2,416 |
| Equity capital to assets | 12.6003% | 786 |
| Core capital (leverage) ratio | 14.0421% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0220% | 369 |
| Memoranda: | ||
| Average total assets | $256,586,400 | 2,688 |
| Average earning assets | $247,756,400 | 2,632 |
| Average equity | $31,900,800 | 2,246 |
| Average total loans | $156,696,000 | 2,566 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3088% | 3,156 |
| Cost of funding earning assets | 0.6361% | 360 |
| Net interest margin | 2.6727% | 3,987 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.1841% | 4,635 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5407% | 758 |
| Return on assets (ROA) | 1.5407% | 740 |
| Pretax return on assets | 1.5407% | 1,301 |
| Return on Equity (ROE) | 12.4300% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.1500% | 2,700 |
| Net charge-offs to loans | -0.0447% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.6594% | 4,506 |
| Assets per employee ($millions) | 8.3607% | 1,141 |
| Cash dividends to net income (ytd only)* | 50.5391% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1076% | 403 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,745 |
| Noncurrent loans to loans | 0.0310% | 3,678 |
| Net loans and leases to total assets | 62.9600% | 2,197 |
| Net loans and leases to deposits | 72.2422% | 2,185 |
| Net loans and leases to core deposits | 90.7957% | 1,251 |
| Total domestic deposits to total assets | 87.1500% | 2,711 |
| Equity capital to assets | 12.3550% | 806 |
| Core capital (leverage) ratio | 13.6029% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1200% | 309 |
| Memoranda: | ||
| Average total assets | $256,843,500 | 2,708 |
| Average earning assets | $247,982,500 | 2,643 |
| Average equity | $31,825,750 | 2,285 |
| Average total loans | $155,169,000 | 2,586 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1644% | 3,151 |
| Cost of funding earning assets | 0.6065% | 257 |
| Net interest margin | 2.5579% | 3,983 |
| Noninterest income to average assets | 0.1800% | 4,103 |
| Noninterest expense to average assets | 1.1636% | 4,660 |
| Loan and lease loss provision to assets | 0.0201% | 2,242 |
| Net operating income to assets | 1.4665% | 766 |
| Return on assets (ROA) | 1.4665% | 746 |
| Pretax return on assets | 1.4665% | 1,265 |
| Return on Equity (ROE) | 11.8238% | 1,713 |
| Retained earnings to average equity (ytd only) | 5.5942% | 2,476 |
| Net charge-offs to loans | -0.0418% | 4,165 |
| Credit loss provision to net charge-offs | -81.2500% | 3,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9067% | 4,523 |
| Assets per employee ($millions) | 8.3641% | 1,130 |
| Cash dividends to net income (ytd only)* | 52.6870% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1229% | 427 |
| Loan loss allowance to noncurrent loans | 8,482.0513% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,863 |
| Noncurrent loans to loans | 0.0250% | 3,771 |
| Net loans and leases to total assets | 60.7810% | 2,239 |
| Net loans and leases to deposits | 69.9016% | 2,214 |
| Net loans and leases to core deposits | 88.7628% | 1,186 |
| Total domestic deposits to total assets | 86.9522% | 2,956 |
| Equity capital to assets | 12.5456% | 753 |
| Core capital (leverage) ratio | 13.1702% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6471% | 334 |
| Memoranda: | ||
| Average total assets | $258,850,667 | 2,719 |
| Average earning assets | $249,968,333 | 2,670 |
| Average equity | $32,104,667 | 2,310 |
| Average total loans | $153,118,667 | 2,611 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0386% | 3,142 |
| Cost of funding earning assets | 0.5951% | 272 |
| Net interest margin | 2.4435% | 4,000 |
| Noninterest income to average assets | 0.1629% | 4,182 |
| Noninterest expense to average assets | 1.1384% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3865% | 825 |
| Return on assets (ROA) | 1.3865% | 820 |
| Pretax return on assets | 1.3865% | 1,281 |
| Return on Equity (ROE) | 11.2410% | 1,532 |
| Retained earnings to average equity (ytd only) | 5.0714% | 2,569 |
| Net charge-offs to loans | -0.0132% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0874% | 4,528 |
| Assets per employee ($millions) | 9.3300% | 817 |
| Cash dividends to net income (ytd only)* | 54.8847% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1445% | 488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.8546% | 2,435 |
| Net loans and leases to deposits | 65.0778% | 2,423 |
| Net loans and leases to core deposits | 83.5943% | 1,263 |
| Total domestic deposits to total assets | 87.3641% | 2,794 |
| Equity capital to assets | 12.1425% | 911 |
| Core capital (leverage) ratio | 12.4190% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7531% | 344 |
| Memoranda: | ||
| Average total assets | $262,814,000 | 2,703 |
| Average earning assets | $254,064,000 | 2,659 |
| Average equity | $32,417,000 | 2,362 |
| Average total loans | $151,767,000 | 2,617 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4045% | 2,920 |
| Cost of funding earning assets | 0.6912% | 338 |
| Net interest margin | 2.7133% | 3,848 |
| Noninterest income to average assets | 0.1964% | 4,183 |
| Noninterest expense to average assets | 1.2871% | 4,684 |
| Loan and lease loss provision to assets | 0.0491% | 2,075 |
| Net operating income to assets | 1.4791% | 1,065 |
| Return on assets (ROA) | 1.4791% | 1,115 |
| Pretax return on assets | 1.4791% | 1,792 |
| Return on Equity (ROE) | 11.2657% | 2,067 |
| Retained earnings to average equity (ytd only) | 2.1437% | 3,944 |
| Net charge-offs to loans | -0.0480% | 4,313 |
| Credit loss provision to net charge-offs | -173.2394% | 3,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7175% | 4,513 |
| Assets per employee ($millions) | 9.4424% | 797 |
| Cash dividends to net income (ytd only)* | 80.9717% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1417% | 489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.1682% | 2,582 |
| Net loans and leases to deposits | 64.6209% | 2,633 |
| Net loans and leases to core deposits | 81.9588% | 1,461 |
| Total domestic deposits to total assets | 86.9196% | 2,554 |
| Equity capital to assets | 12.5244% | 1,051 |
| Core capital (leverage) ratio | 12.7439% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9320% | 405 |
| Memoranda: | ||
| Average total assets | $250,486,600 | 2,725 |
| Average earning assets | $241,769,200 | 2,669 |
| Average equity | $32,887,400 | 2,389 |
| Average total loans | $147,836,600 | 2,650 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 2,925 |
| Cost of funding earning assets | 0.7089% | 365 |
| Net interest margin | 2.7601% | 3,868 |
| Noninterest income to average assets | 0.2040% | 4,178 |
| Noninterest expense to average assets | 1.3354% | 4,723 |
| Loan and lease loss provision to assets | 0.0312% | 2,372 |
| Net operating income to assets | 1.5000% | 1,277 |
| Return on assets (ROA) | 1.5000% | 1,319 |
| Pretax return on assets | 1.5000% | 1,987 |
| Return on Equity (ROE) | 11.2858% | 2,279 |
| Retained earnings to average equity (ytd only) | 1.1330% | 4,388 |
| Net charge-offs to loans | -0.0127% | 3,777 |
| Credit loss provision to net charge-offs | -414.2857% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5826% | 4,467 |
| Assets per employee ($millions) | 8.4893% | 1,054 |
| Cash dividends to net income (ytd only)* | 89.9604% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0233% | 607 |
| Loan loss allowance to noncurrent loans | 12,030.7692% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,165 |
| Noncurrent loans to loans | 0.0168% | 4,079 |
| Net loans and leases to total assets | 59.4763% | 2,324 |
| Net loans and leases to deposits | 68.7086% | 2,369 |
| Net loans and leases to core deposits | 90.1153% | 1,028 |
| Total domestic deposits to total assets | 86.5630% | 2,524 |
| Equity capital to assets | 12.8731% | 1,026 |
| Core capital (leverage) ratio | 12.8047% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5941% | 393 |
| Memoranda: | ||
| Average total assets | $247,011,250 | 2,769 |
| Average earning assets | $238,292,500 | 2,711 |
| Average equity | $32,831,000 | 2,424 |
| Average total loans | $146,857,750 | 2,702 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 2,593 |
| Cost of funding earning assets | 0.7246% | 407 |
| Net interest margin | 2.8849% | 3,611 |
| Noninterest income to average assets | 0.2037% | 4,184 |
| Noninterest expense to average assets | 1.4015% | 4,717 |
| Loan and lease loss provision to assets | 0.0376% | 2,238 |
| Net operating income to assets | 1.5463% | 1,178 |
| Return on assets (ROA) | 1.5463% | 1,238 |
| Pretax return on assets | 1.5463% | 1,885 |
| Return on Equity (ROE) | 11.5081% | 2,230 |
| Retained earnings to average equity (ytd only) | -0.6698% | 4,580 |
| Net charge-offs to loans | -0.0097% | 3,656 |
| Credit loss provision to net charge-offs | -657.1429% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9444% | 4,467 |
| Assets per employee ($millions) | 8.2493% | 1,103 |
| Cash dividends to net income (ytd only)* | 105.8201% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 530 |
| Loan loss allowance to noncurrent loans | 5,866.0377% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,128 |
| Noncurrent loans to loans | 0.0353% | 4,021 |
| Net loans and leases to total assets | 59.3962% | 2,495 |
| Net loans and leases to deposits | 68.8779% | 2,530 |
| Net loans and leases to core deposits | 87.9008% | 1,268 |
| Total domestic deposits to total assets | 86.2340% | 2,654 |
| Equity capital to assets | 13.1425% | 905 |
| Core capital (leverage) ratio | 12.9758% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5128% | 404 |
| Memoranda: | ||
| Average total assets | $244,455,667 | 2,778 |
| Average earning assets | $235,714,000 | 2,718 |
| Average equity | $32,846,333 | 2,410 |
| Average total loans | $144,276,667 | 2,739 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 1,761 |
| Cost of funding earning assets | 0.7394% | 469 |
| Net interest margin | 3.1898% | 2,736 |
| Noninterest income to average assets | 0.1893% | 4,250 |
| Noninterest expense to average assets | 1.5427% | 4,606 |
| Loan and lease loss provision to assets | 0.0757% | 1,674 |
| Net operating income to assets | 1.6465% | 1,025 |
| Return on assets (ROA) | 1.6465% | 1,078 |
| Pretax return on assets | 1.6465% | 1,609 |
| Return on Equity (ROE) | 12.1186% | 1,977 |
| Retained earnings to average equity (ytd only) | 6.0593% | 2,873 |
| Net charge-offs to loans | 0.0057% | 1,700 |
| Credit loss provision to net charge-offs | 2,300.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 523.0000% | 181 |
| Efficiency ratio | 47.2516% | 4,389 |
| Assets per employee ($millions) | 7.8430% | 1,263 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1409% | 464 |
| Loan loss allowance to noncurrent loans | 658.1741% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 3,194 |
| Noncurrent loans to loans | 0.3253% | 2,934 |
| Net loans and leases to total assets | 58.2817% | 2,769 |
| Net loans and leases to deposits | 67.9437% | 2,711 |
| Net loans and leases to core deposits | 88.2873% | 1,342 |
| Total domestic deposits to total assets | 85.7794% | 2,818 |
| Equity capital to assets | 13.6115% | 767 |
| Core capital (leverage) ratio | 13.3500% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8618% | 360 |
| Memoranda: | ||
| Average total assets | $242,944,000 | 2,776 |
| Average earning assets | $234,244,500 | 2,709 |
| Average equity | $33,007,000 | 2,395 |
| Average total loans | $141,364,000 | 2,768 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 3,779 |
| Cost of funding earning assets | 0.8870% | 893 |
| Net interest margin | 2.7247% | 4,351 |
| Noninterest income to average assets | 0.1930% | 4,321 |
| Noninterest expense to average assets | 1.3824% | 4,842 |
| Loan and lease loss provision to assets | 0.0475% | 3,804 |
| Net operating income to assets | 1.3758% | 1,074 |
| Return on assets (ROA) | 1.3758% | 1,165 |
| Pretax return on assets | 1.3758% | 1,740 |
| Return on Equity (ROE) | 9.7200% | 2,109 |
| Retained earnings to average equity (ytd only) | 3.5091% | 3,074 |
| Net charge-offs to loans | -0.0563% | 4,692 |
| Credit loss provision to net charge-offs | -144.0000% | 3,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2715% | 4,575 |
| Assets per employee ($millions) | 7.8308% | 1,106 |
| Cash dividends to net income (ytd only)* | 63.8978% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 394 |
| Loan loss allowance to noncurrent loans | 410.7527% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 2,771 |
| Noncurrent loans to loans | 0.5394% | 2,360 |
| Net loans and leases to total assets | 55.5581% | 3,342 |
| Net loans and leases to deposits | 64.7184% | 3,385 |
| Net loans and leases to core deposits | 82.6799% | 2,144 |
| Total domestic deposits to total assets | 85.8458% | 2,430 |
| Equity capital to assets | 13.5610% | 915 |
| Core capital (leverage) ratio | 13.7940% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0813% | 318 |
| Memoranda: | ||
| Average total assets | $227,508,400 | 2,743 |
| Average earning assets | $218,150,200 | 2,684 |
| Average equity | $32,201,800 | 2,380 |
| Average total loans | $133,207,000 | 2,824 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7368% | 3,706 |
| Cost of funding earning assets | 0.9096% | 1,037 |
| Net interest margin | 2.8272% | 4,294 |
| Noninterest income to average assets | 0.1901% | 4,338 |
| Noninterest expense to average assets | 1.4191% | 4,854 |
| Loan and lease loss provision to assets | 0.0644% | 3,532 |
| Net operating income to assets | 1.4132% | 1,071 |
| Return on assets (ROA) | 1.4132% | 1,160 |
| Pretax return on assets | 1.4132% | 1,680 |
| Return on Equity (ROE) | 9.8721% | 2,057 |
| Retained earnings to average equity (ytd only) | 3.6266% | 3,239 |
| Net charge-offs to loans | -0.0525% | 4,692 |
| Credit loss provision to net charge-offs | -207.6923% | 3,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9918% | 4,554 |
| Assets per employee ($millions) | 7.2922% | 1,328 |
| Cash dividends to net income (ytd only)* | 63.2644% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1463% | 386 |
| Loan loss allowance to noncurrent loans | 842.5000% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 3,621 |
| Noncurrent loans to loans | 0.2548% | 3,392 |
| Net loans and leases to total assets | 61.1695% | 3,098 |
| Net loans and leases to deposits | 72.0074% | 3,127 |
| Net loans and leases to core deposits | 92.8233% | 1,725 |
| Total domestic deposits to total assets | 84.9489% | 2,457 |
| Equity capital to assets | 14.4441% | 743 |
| Core capital (leverage) ratio | 13.9773% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8227% | 340 |
| Memoranda: | ||
| Average total assets | $223,696,750 | 2,744 |
| Average earning assets | $214,153,500 | 2,701 |
| Average equity | $32,022,250 | 2,374 |
| Average total loans | $132,027,250 | 2,848 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 3,662 |
| Cost of funding earning assets | 0.9226% | 1,267 |
| Net interest margin | 2.9620% | 4,207 |
| Noninterest income to average assets | 0.1857% | 4,349 |
| Noninterest expense to average assets | 1.4535% | 4,878 |
| Loan and lease loss provision to assets | 0.0897% | 3,149 |
| Net operating income to assets | 1.4741% | 972 |
| Return on assets (ROA) | 1.4741% | 1,059 |
| Pretax return on assets | 1.4741% | 1,519 |
| Return on Equity (ROE) | 10.3293% | 1,874 |
| Retained earnings to average equity (ytd only) | 4.0425% | 2,883 |
| Net charge-offs to loans | -0.0419% | 4,634 |
| Credit loss provision to net charge-offs | -370.3704% | 3,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1713% | 4,618 |
| Assets per employee ($millions) | 7.1369% | 1,372 |
| Cash dividends to net income (ytd only)* | 60.8643% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2516% | 307 |
| Loan loss allowance to noncurrent loans | 630.2521% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 3,470 |
| Noncurrent loans to loans | 0.3573% | 3,120 |
| Net loans and leases to total assets | 58.8667% | 3,436 |
| Net loans and leases to deposits | 69.4671% | 3,463 |
| Net loans and leases to core deposits | 85.2673% | 2,498 |
| Total domestic deposits to total assets | 84.7404% | 2,491 |
| Equity capital to assets | 14.6481% | 693 |
| Core capital (leverage) ratio | 14.6667% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9964% | 306 |
| Memoranda: | ||
| Average total assets | $222,910,000 | 2,731 |
| Average earning assets | $213,096,333 | 2,687 |
| Average equity | $31,812,333 | 2,373 |
| Average total loans | $128,932,667 | 2,873 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 4,396 |
| Cost of funding earning assets | 0.9609% | 1,600 |
| Net interest margin | 2.7404% | 4,629 |
| Noninterest income to average assets | 0.1841% | 4,445 |
| Noninterest expense to average assets | 1.3748% | 4,972 |
| Loan and lease loss provision to assets | 0.0536% | 3,101 |
| Net operating income to assets | 1.3712% | 1,055 |
| Return on assets (ROA) | 1.3712% | 1,134 |
| Pretax return on assets | 1.3712% | 1,648 |
| Return on Equity (ROE) | 9.7352% | 1,830 |
| Retained earnings to average equity (ytd only) | 3.3889% | 2,925 |
| Net charge-offs to loans | -0.0694% | 4,730 |
| Credit loss provision to net charge-offs | -136.3636% | 3,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1060% | 4,707 |
| Assets per employee ($millions) | 6.9713% | 1,102 |
| Cash dividends to net income (ytd only)* | 65.1890% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3414% | 310 |
| Loan loss allowance to noncurrent loans | 608.1081% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 3,578 |
| Noncurrent loans to loans | 0.3850% | 3,111 |
| Net loans and leases to total assets | 56.4521% | 3,803 |
| Net loans and leases to deposits | 66.5830% | 3,825 |
| Net loans and leases to core deposits | 80.2935% | 3,172 |
| Total domestic deposits to total assets | 84.7845% | 2,495 |
| Equity capital to assets | 14.6722% | 841 |
| Core capital (leverage) ratio | 13.1512% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3385% | 298 |
| Memoranda: | ||
| Average total assets | $223,743,000 | 2,684 |
| Average earning assets | $213,546,500 | 2,634 |
| Average equity | $31,514,500 | 2,377 |
| Average total loans | $126,779,500 | 2,875 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 4,475 |
| Cost of funding earning assets | 0.9309% | 2,055 |
| Net interest margin | 2.9480% | 4,584 |
| Noninterest income to average assets | 0.1931% | 4,508 |
| Noninterest expense to average assets | 1.3824% | 5,048 |
| Loan and lease loss provision to assets | 0.0667% | 2,683 |
| Net operating income to assets | 1.5510% | 941 |
| Return on assets (ROA) | 1.5510% | 995 |
| Pretax return on assets | 1.5510% | 1,647 |
| Return on Equity (ROE) | 10.8454% | 1,948 |
| Retained earnings to average equity (ytd only) | 2.0430% | 3,981 |
| Net charge-offs to loans | 0.1389% | 1,401 |
| Credit loss provision to net charge-offs | 80.2260% | 2,792 |
| Earnings coverage of net charge-offs (x) | 19.4576% | 1,997 |
| Efficiency ratio | 46.0780% | 4,910 |
| Assets per employee ($millions) | 7.4638% | 877 |
| Cash dividends to net income (ytd only)* | 81.1629% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2334% | 321 |
| Loan loss allowance to noncurrent loans | 519.5298% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 3,428 |
| Noncurrent loans to loans | 0.4299% | 2,908 |
| Net loans and leases to total assets | 54.3541% | 4,054 |
| Net loans and leases to deposits | 63.2407% | 4,123 |
| Net loans and leases to core deposits | 74.7268% | 3,663 |
| Total domestic deposits to total assets | 85.9480% | 2,089 |
| Equity capital to assets | 13.5368% | 1,261 |
| Core capital (leverage) ratio | 14.0977% | 904 |
| Tier 1 risk-based capital ratio | 26.1100% | 669 |
| Total risk-based capital ratio | 27.3907% | 653 |
| Memoranda: | ||
| Average total assets | $212,893,800 | 2,727 |
| Average earning assets | $202,714,600 | 2,682 |
| Average equity | $30,446,000 | 2,367 |
| Average total loans | $127,412,800 | 2,850 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 4,514 |
| Cost of funding earning assets | 0.9256% | 2,111 |
| Net interest margin | 2.9892% | 4,635 |
| Noninterest income to average assets | 0.1882% | 4,587 |
| Noninterest expense to average assets | 1.4058% | 5,111 |
| Loan and lease loss provision to assets | 0.0621% | 2,655 |
| Net operating income to assets | 1.5691% | 997 |
| Return on assets (ROA) | 1.5691% | 1,053 |
| Pretax return on assets | 1.5691% | 1,740 |
| Return on Equity (ROE) | 10.8112% | 2,092 |
| Retained earnings to average equity (ytd only) | 0.9087% | 4,590 |
| Net charge-offs to loans | -0.0598% | 4,877 |
| Credit loss provision to net charge-offs | -170.1754% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2901% | 4,926 |
| Assets per employee ($millions) | 7.1570% | 968 |
| Cash dividends to net income (ytd only)* | 91.5953% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3861% | 255 |
| Loan loss allowance to noncurrent loans | 450.2941% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 3,217 |
| Noncurrent loans to loans | 0.5299% | 2,696 |
| Net loans and leases to total assets | 58.3417% | 3,842 |
| Net loans and leases to deposits | 68.5420% | 3,882 |
| Net loans and leases to core deposits | 81.9890% | 3,247 |
| Total domestic deposits to total assets | 85.1181% | 2,380 |
| Equity capital to assets | 14.3845% | 1,011 |
| Core capital (leverage) ratio | 14.1949% | 933 |
| Tier 1 risk-based capital ratio | 30.2496% | 475 |
| Total risk-based capital ratio | 31.5370% | 468 |
| Memoranda: | ||
| Average total assets | $208,273,000 | 2,793 |
| Average earning assets | $198,488,750 | 2,745 |
| Average equity | $30,227,250 | 2,390 |
| Average total loans | $127,107,000 | 2,890 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 4,554 |
| Cost of funding earning assets | 0.9093% | 2,097 |
| Net interest margin | 2.9908% | 4,708 |
| Noninterest income to average assets | 0.1863% | 4,638 |
| Noninterest expense to average assets | 1.4147% | 5,152 |
| Loan and lease loss provision to assets | 0.0728% | 2,360 |
| Net operating income to assets | 1.5456% | 1,019 |
| Return on assets (ROA) | 1.5456% | 1,068 |
| Pretax return on assets | 1.5456% | 1,716 |
| Return on Equity (ROE) | 10.6172% | 2,129 |
| Retained earnings to average equity (ytd only) | -1.4463% | 4,872 |
| Net charge-offs to loans | -0.0742% | 4,939 |
| Credit loss provision to net charge-offs | -159.5745% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6411% | 4,961 |
| Assets per employee ($millions) | 7.2400% | 907 |
| Cash dividends to net income (ytd only)* | 113.6221% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3491% | 275 |
| Loan loss allowance to noncurrent loans | 439.1304% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 3,164 |
| Noncurrent loans to loans | 0.5350% | 2,675 |
| Net loans and leases to total assets | 59.9898% | 3,730 |
| Net loans and leases to deposits | 70.6721% | 3,790 |
| Net loans and leases to core deposits | 84.7034% | 3,057 |
| Total domestic deposits to total assets | 84.8847% | 2,529 |
| Equity capital to assets | 14.4643% | 957 |
| Core capital (leverage) ratio | 14.7231% | 767 |
| Tier 1 risk-based capital ratio | 26.4877% | 658 |
| Total risk-based capital ratio | 27.7704% | 647 |
| Memoranda: | ||
| Average total assets | $206,127,000 | 2,818 |
| Average earning assets | $196,199,670 | 2,771 |
| Average equity | $30,008,000 | 2,399 |
| Average total loans | $126,700,000 | 2,909 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 4,485 |
| Cost of funding earning assets | 0.8929% | 2,043 |
| Net interest margin | 3.0509% | 4,669 |
| Noninterest income to average assets | 0.1645% | 4,753 |
| Noninterest expense to average assets | 1.4475% | 5,198 |
| Loan and lease loss provision to assets | 0.0881% | 1,950 |
| Net operating income to assets | 1.5337% | 1,044 |
| Return on assets (ROA) | 1.5337% | 1,067 |
| Pretax return on assets | 1.5337% | 1,669 |
| Return on Equity (ROE) | 10.5004% | 2,153 |
| Retained earnings to average equity (ytd only) | -7.9390% | 5,027 |
| Net charge-offs to loans | -0.0733% | 4,948 |
| Credit loss provision to net charge-offs | -195.6522% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1602% | 4,977 |
| Assets per employee ($millions) | 7.0072% | 1,001 |
| Cash dividends to net income (ytd only)* | 175.6066% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3717% | 277 |
| Loan loss allowance to noncurrent loans | 433.8192% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,191 |
| Noncurrent loans to loans | 0.5467% | 2,675 |
| Net loans and leases to total assets | 60.2850% | 3,676 |
| Net loans and leases to deposits | 71.1273% | 3,675 |
| Net loans and leases to core deposits | 86.2516% | 2,849 |
| Total domestic deposits to total assets | 84.7565% | 2,767 |
| Equity capital to assets | 14.6244% | 846 |
| Core capital (leverage) ratio | 14.2372% | 884 |
| Tier 1 risk-based capital ratio | 26.7457% | 637 |
| Total risk-based capital ratio | 28.0292% | 620 |
| Memoranda: | ||
| Average total assets | $204,211,000 | 2,861 |
| Average earning assets | $194,431,500 | 2,810 |
| Average equity | $29,827,500 | 2,416 |
| Average total loans | $125,558,000 | 2,954 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,643 |
| Cost of funding earning assets | 0.7878% | 1,592 |
| Net interest margin | 2.9284% | 4,876 |
| Noninterest income to average assets | 0.1524% | 4,953 |
| Noninterest expense to average assets | 1.4231% | 5,253 |
| Loan and lease loss provision to assets | 0.1237% | 1,785 |
| Net operating income to assets | 1.4226% | 1,353 |
| Return on assets (ROA) | 1.4018% | 1,419 |
| Pretax return on assets | 1.4018% | 2,133 |
| Return on Equity (ROE) | 10.3082% | 2,391 |
| Retained earnings to average equity (ytd only) | 3.1204% | 3,830 |
| Net charge-offs to loans | 0.2983% | 649 |
| Credit loss provision to net charge-offs | 72.3577% | 2,960 |
| Earnings coverage of net charge-offs (x) | 9.0461% | 2,841 |
| Efficiency ratio | 47.9251% | 5,050 |
| Assets per employee ($millions) | 6.6198% | 1,158 |
| Cash dividends to net income (ytd only)* | 69.7290% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3146% | 282 |
| Loan loss allowance to noncurrent loans | 459.3997% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 3,262 |
| Noncurrent loans to loans | 0.5038% | 2,762 |
| Net loans and leases to total assets | 59.8049% | 3,801 |
| Net loans and leases to deposits | 70.5532% | 3,791 |
| Net loans and leases to core deposits | 85.2686% | 2,974 |
| Total domestic deposits to total assets | 84.7657% | 2,742 |
| Equity capital to assets | 14.5882% | 811 |
| Core capital (leverage) ratio | 14.9434% | 707 |
| Tier 1 risk-based capital ratio | 26.7892% | 625 |
| Total risk-based capital ratio | 28.0718% | 616 |
| Memoranda: | ||
| Average total assets | $215,871,000 | 2,724 |
| Average earning assets | $207,656,200 | 2,655 |
| Average equity | $29,355,200 | 2,372 |
| Average total loans | $123,718,000 | 2,956 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 4,734 |
| Cost of funding earning assets | 0.7707% | 1,479 |
| Net interest margin | 2.8719% | 5,013 |
| Noninterest income to average assets | 0.1367% | 5,088 |
| Noninterest expense to average assets | 1.4478% | 5,305 |
| Loan and lease loss provision to assets | 0.0519% | 2,948 |
| Net operating income to assets | 1.4130% | 1,443 |
| Return on assets (ROA) | 1.4130% | 1,441 |
| Pretax return on assets | 1.4130% | 2,183 |
| Return on Equity (ROE) | 10.5715% | 2,361 |
| Retained earnings to average equity (ytd only) | 2.9259% | 4,262 |
| Net charge-offs to loans | 0.0509% | 2,106 |
| Credit loss provision to net charge-offs | 180.8511% | 1,491 |
| Earnings coverage of net charge-offs (x) | 51.0811% | 1,159 |
| Efficiency ratio | 49.7067% | 4,958 |
| Assets per employee ($millions) | 7.3138% | 834 |
| Cash dividends to net income (ytd only)* | 72.3231% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4362% | 262 |
| Loan loss allowance to noncurrent loans | 684.9438% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 3,822 |
| Noncurrent loans to loans | 0.3557% | 3,377 |
| Net loans and leases to total assets | 57.5512% | 4,088 |
| Net loans and leases to deposits | 67.2547% | 4,108 |
| Net loans and leases to core deposits | 80.3579% | 3,466 |
| Total domestic deposits to total assets | 85.5719% | 2,364 |
| Equity capital to assets | 13.8661% | 1,000 |
| Core capital (leverage) ratio | 13.1902% | 1,210 |
| Tier 1 risk-based capital ratio | 25.5937% | 705 |
| Total risk-based capital ratio | 26.8773% | 689 |
| Memoranda: | ||
| Average total assets | $218,535,250 | 2,719 |
| Average earning assets | $211,238,000 | 2,641 |
| Average equity | $29,209,750 | 2,389 |
| Average total loans | $123,238,500 | 2,990 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 4,855 |
| Cost of funding earning assets | 0.7585% | 1,330 |
| Net interest margin | 2.7881% | 5,132 |
| Noninterest income to average assets | 0.1196% | 5,193 |
| Noninterest expense to average assets | 1.4555% | 5,365 |
| Loan and lease loss provision to assets | 0.0091% | 3,663 |
| Net operating income to assets | 1.3467% | 1,610 |
| Return on assets (ROA) | 1.3467% | 1,617 |
| Pretax return on assets | 1.3467% | 2,334 |
| Return on Equity (ROE) | 10.1980% | 2,479 |
| Retained earnings to average equity (ytd only) | 1.6882% | 4,571 |
| Net charge-offs to loans | -0.0375% | 4,819 |
| Credit loss provision to net charge-offs | -43.4783% | 4,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7730% | 4,911 |
| Assets per employee ($millions) | 7.2225% | 853 |
| Cash dividends to net income (ytd only)* | 83.4455% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4656% | 254 |
| Loan loss allowance to noncurrent loans | 458.9744% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,488 |
| Noncurrent loans to loans | 0.5372% | 2,807 |
| Net loans and leases to total assets | 55.5554% | 4,197 |
| Net loans and leases to deposits | 64.6026% | 4,241 |
| Net loans and leases to core deposits | 77.2425% | 3,643 |
| Total domestic deposits to total assets | 85.9956% | 2,280 |
| Equity capital to assets | 13.4885% | 1,106 |
| Core capital (leverage) ratio | 13.4337% | 1,085 |
| Tier 1 risk-based capital ratio | 26.4857% | 635 |
| Total risk-based capital ratio | 27.7698% | 628 |
| Memoranda: | ||
| Average total assets | $220,680,330 | 2,725 |
| Average earning assets | $213,051,670 | 2,643 |
| Average equity | $29,143,000 | 2,405 |
| Average total loans | $122,613,330 | 3,006 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5056% | 4,869 |
| Cost of funding earning assets | 0.7476% | 1,203 |
| Net interest margin | 2.7580% | 5,198 |
| Noninterest income to average assets | 0.1132% | 5,280 |
| Noninterest expense to average assets | 1.3777% | 5,460 |
| Loan and lease loss provision to assets | 0.0180% | 3,300 |
| Net operating income to assets | 1.3813% | 1,392 |
| Return on assets (ROA) | 1.3813% | 1,409 |
| Pretax return on assets | 1.3813% | 2,074 |
| Return on Equity (ROE) | 10.5699% | 2,141 |
| Retained earnings to average equity (ytd only) | -0.4948% | 4,858 |
| Net charge-offs to loans | -0.0753% | 5,131 |
| Credit loss provision to net charge-offs | -43.4783% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6119% | 5,108 |
| Assets per employee ($millions) | 6.7059% | 1,089 |
| Cash dividends to net income (ytd only)* | 104.6814% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 250 |
| Loan loss allowance to noncurrent loans | 476.2128% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 3,591 |
| Noncurrent loans to loans | 0.5263% | 2,944 |
| Net loans and leases to total assets | 53.4890% | 4,327 |
| Net loans and leases to deposits | 61.8179% | 4,350 |
| Net loans and leases to core deposits | 74.0862% | 3,821 |
| Total domestic deposits to total assets | 86.5266% | 2,304 |
| Equity capital to assets | 13.0743% | 1,203 |
| Core capital (leverage) ratio | 13.1686% | 1,118 |
| Tier 1 risk-based capital ratio | 26.4744% | 652 |
| Total risk-based capital ratio | 27.7425% | 638 |
| Memoranda: | ||
| Average total assets | $222,683,500 | 2,729 |
| Average earning assets | $215,084,000 | 2,645 |
| Average equity | $29,101,500 | 2,429 |
| Average total loans | $122,211,500 | 3,035 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 4,757 |
| Cost of funding earning assets | 0.7997% | 624 |
| Net interest margin | 2.7200% | 5,259 |
| Noninterest income to average assets | 0.1464% | 5,217 |
| Noninterest expense to average assets | 1.3083% | 5,557 |
| Loan and lease loss provision to assets | 0.1796% | 1,203 |
| Net operating income to assets | 1.2807% | 1,274 |
| Return on assets (ROA) | 1.2807% | 1,295 |
| Pretax return on assets | 1.2807% | 2,429 |
| Return on Equity (ROE) | 9.5570% | 2,077 |
| Retained earnings to average equity (ytd only) | 2.6633% | 3,728 |
| Net charge-offs to loans | -0.0772% | 5,307 |
| Credit loss provision to net charge-offs | -410.5263% | 4,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2555% | 5,346 |
| Assets per employee ($millions) | 7.2281% | 871 |
| Cash dividends to net income (ytd only)* | 72.1323% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 264 |
| Loan loss allowance to noncurrent loans | 408.9674% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 3,428 |
| Noncurrent loans to loans | 0.5983% | 2,733 |
| Net loans and leases to total assets | 53.5549% | 4,397 |
| Net loans and leases to deposits | 61.9095% | 4,458 |
| Net loans and leases to core deposits | 74.3316% | 3,856 |
| Total domestic deposits to total assets | 86.5052% | 2,231 |
| Equity capital to assets | 13.0628% | 1,235 |
| Core capital (leverage) ratio | 13.6524% | 921 |
| Tier 1 risk-based capital ratio | 26.2812% | 643 |
| Total risk-based capital ratio | 27.5484% | 633 |
| Memoranda: | ||
| Average total assets | $217,152,600 | 2,754 |
| Average earning assets | $209,338,200 | 2,674 |
| Average equity | $29,099,000 | 2,421 |
| Average total loans | $123,034,000 | 3,014 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,777 |
| Cost of funding earning assets | 0.8077% | 553 |
| Net interest margin | 2.7068% | 5,315 |
| Noninterest income to average assets | 0.1572% | 5,231 |
| Noninterest expense to average assets | 1.2799% | 5,627 |
| Loan and lease loss provision to assets | 0.2148% | 874 |
| Net operating income to assets | 1.2737% | 1,422 |
| Return on assets (ROA) | 1.2737% | 1,449 |
| Pretax return on assets | 1.2737% | 2,611 |
| Return on Equity (ROE) | 9.4435% | 2,385 |
| Retained earnings to average equity (ytd only) | 3.8683% | 3,618 |
| Net charge-offs to loans | -0.0878% | 5,342 |
| Credit loss provision to net charge-offs | -428.3951% | 4,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2330% | 5,414 |
| Assets per employee ($millions) | 6.6706% | 1,090 |
| Cash dividends to net income (ytd only)* | 59.0379% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4111% | 300 |
| Loan loss allowance to noncurrent loans | 309.2147% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 3,103 |
| Noncurrent loans to loans | 0.7798% | 2,420 |
| Net loans and leases to total assets | 55.9918% | 4,235 |
| Net loans and leases to deposits | 65.3440% | 4,294 |
| Net loans and leases to core deposits | 80.6728% | 3,392 |
| Total domestic deposits to total assets | 85.6877% | 2,433 |
| Equity capital to assets | 13.8597% | 1,032 |
| Core capital (leverage) ratio | 13.6467% | 979 |
| Tier 1 risk-based capital ratio | 27.0416% | 620 |
| Total risk-based capital ratio | 28.3101% | 608 |
| Memoranda: | ||
| Average total assets | $215,423,000 | 2,790 |
| Average earning assets | $207,817,250 | 2,708 |
| Average equity | $29,056,250 | 2,446 |
| Average total loans | $123,039,750 | 3,041 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 4,816 |
| Cost of funding earning assets | 0.7964% | 536 |
| Net interest margin | 2.6813% | 5,379 |
| Noninterest income to average assets | 0.1435% | 5,342 |
| Noninterest expense to average assets | 1.2227% | 5,699 |
| Loan and lease loss provision to assets | 0.2416% | 701 |
| Net operating income to assets | 1.2625% | 1,397 |
| Return on assets (ROA) | 1.2625% | 1,426 |
| Pretax return on assets | 1.2625% | 2,527 |
| Return on Equity (ROE) | 9.4460% | 2,297 |
| Retained earnings to average equity (ytd only) | 3.8366% | 3,407 |
| Net charge-offs to loans | -0.0844% | 5,363 |
| Credit loss provision to net charge-offs | -501.9231% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8405% | 5,498 |
| Assets per employee ($millions) | 6.4857% | 1,164 |
| Cash dividends to net income (ytd only)* | 59.3842% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3325% | 359 |
| Loan loss allowance to noncurrent loans | 297.4843% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 3,145 |
| Noncurrent loans to loans | 0.7841% | 2,445 |
| Net loans and leases to total assets | 55.5224% | 4,267 |
| Net loans and leases to deposits | 64.6555% | 4,330 |
| Net loans and leases to core deposits | 82.6067% | 3,203 |
| Total domestic deposits to total assets | 85.8742% | 2,427 |
| Equity capital to assets | 13.7034% | 1,069 |
| Core capital (leverage) ratio | 13.9767% | 872 |
| Tier 1 risk-based capital ratio | 26.8379% | 614 |
| Total risk-based capital ratio | 28.1044% | 603 |
| Memoranda: | ||
| Average total assets | $216,077,330 | 2,800 |
| Average earning assets | $208,180,670 | 2,718 |
| Average equity | $28,880,000 | 2,443 |
| Average total loans | $123,228,670 | 3,047 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4705% | 4,776 |
| Cost of funding earning assets | 0.7963% | 499 |
| Net interest margin | 2.6742% | 5,414 |
| Noninterest income to average assets | 0.1456% | 5,387 |
| Noninterest expense to average assets | 1.2215% | 5,762 |
| Loan and lease loss provision to assets | 0.2321% | 667 |
| Net operating income to assets | 1.2658% | 1,332 |
| Return on assets (ROA) | 1.2658% | 1,366 |
| Pretax return on assets | 1.2658% | 2,367 |
| Return on Equity (ROE) | 9.5898% | 2,148 |
| Retained earnings to average equity (ytd only) | 3.9364% | 3,479 |
| Net charge-offs to loans | -0.0774% | 5,362 |
| Credit loss provision to net charge-offs | -525.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9187% | 5,569 |
| Assets per employee ($millions) | 6.4522% | 1,211 |
| Cash dividends to net income (ytd only)* | 58.9520% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 498 |
| Loan loss allowance to noncurrent loans | 281.5789% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 3,254 |
| Noncurrent loans to loans | 0.7706% | 2,545 |
| Net loans and leases to total assets | 56.6466% | 4,105 |
| Net loans and leases to deposits | 65.8415% | 4,186 |
| Net loans and leases to core deposits | 83.4900% | 2,947 |
| Total domestic deposits to total assets | 86.0348% | 2,648 |
| Equity capital to assets | 13.5688% | 1,047 |
| Core capital (leverage) ratio | 13.2901% | 1,040 |
| Tier 1 risk-based capital ratio | 26.0056% | 689 |
| Total risk-based capital ratio | 27.2692% | 675 |
| Memoranda: | ||
| Average total assets | $217,102,500 | 2,817 |
| Average earning assets | $208,962,500 | 2,738 |
| Average equity | $28,655,500 | 2,469 |
| Average total loans | $124,007,500 | 3,056 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 4,693 |
| Cost of funding earning assets | 0.8787% | 330 |
| Net interest margin | 2.6532% | 5,470 |
| Noninterest income to average assets | 0.6106% | 2,608 |
| Noninterest expense to average assets | 1.2593% | 5,821 |
| Loan and lease loss provision to assets | 0.6441% | 199 |
| Net operating income to assets | 1.2542% | 1,345 |
| Return on assets (ROA) | 1.2542% | 1,425 |
| Pretax return on assets | 1.2542% | 2,458 |
| Return on Equity (ROE) | 9.4804% | 2,200 |
| Retained earnings to average equity (ytd only) | 2.9945% | 3,769 |
| Net charge-offs to loans | 1.1722% | 146 |
| Credit loss provision to net charge-offs | 96.1726% | 2,676 |
| Earnings coverage of net charge-offs (x) | 2.8344% | 3,766 |
| Efficiency ratio | 39.8819% | 5,785 |
| Assets per employee ($millions) | 6.3224% | 1,244 |
| Cash dividends to net income (ytd only)* | 68.4132% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 625 |
| Loan loss allowance to noncurrent loans | 259.2402% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 3,222 |
| Noncurrent loans to loans | 0.7809% | 2,567 |
| Net loans and leases to total assets | 55.2243% | 4,328 |
| Net loans and leases to deposits | 63.6668% | 4,436 |
| Net loans and leases to core deposits | 81.7585% | 3,229 |
| Total domestic deposits to total assets | 86.7396% | 2,266 |
| Equity capital to assets | 12.8433% | 1,327 |
| Core capital (leverage) ratio | 13.3375% | 1,022 |
| Tier 1 risk-based capital ratio | 25.4219% | 731 |
| Total risk-based capital ratio | 26.6835% | 718 |
| Memoranda: | ||
| Average total assets | $214,555,600 | 2,809 |
| Average earning assets | $205,978,400 | 2,729 |
| Average equity | $28,385,000 | 2,486 |
| Average total loans | $122,593,400 | 3,029 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5268% | 4,737 |
| Cost of funding earning assets | 0.8879% | 311 |
| Net interest margin | 2.6389% | 5,558 |
| Noninterest income to average assets | 0.1422% | 5,549 |
| Noninterest expense to average assets | 1.2783% | 5,878 |
| Loan and lease loss provision to assets | 0.1365% | 1,719 |
| Net operating income to assets | 1.2627% | 1,407 |
| Return on assets (ROA) | 1.2627% | 1,503 |
| Pretax return on assets | 1.2627% | 2,563 |
| Return on Equity (ROE) | 9.4725% | 2,285 |
| Retained earnings to average equity (ytd only) | 2.7299% | 4,259 |
| Net charge-offs to loans | 0.0524% | 2,617 |
| Credit loss provision to net charge-offs | 454.1667% | 766 |
| Earnings coverage of net charge-offs (x) | 46.5405% | 1,129 |
| Efficiency ratio | 47.7427% | 5,604 |
| Assets per employee ($millions) | 6.0837% | 1,368 |
| Cash dividends to net income (ytd only)* | 71.1808% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2003% | 523 |
| Loan loss allowance to noncurrent loans | 336.1858% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 3,693 |
| Noncurrent loans to loans | 0.6545% | 3,059 |
| Net loans and leases to total assets | 57.4065% | 4,150 |
| Net loans and leases to deposits | 66.6850% | 4,279 |
| Net loans and leases to core deposits | 88.9972% | 2,666 |
| Total domestic deposits to total assets | 86.0860% | 2,308 |
| Equity capital to assets | 13.4979% | 1,249 |
| Core capital (leverage) ratio | 13.4013% | 1,034 |
| Tier 1 risk-based capital ratio | 25.2459% | 784 |
| Total risk-based capital ratio | 26.5107% | 766 |
| Memoranda: | ||
| Average total assets | $212,873,750 | 2,842 |
| Average earning assets | $204,522,000 | 2,756 |
| Average equity | $28,376,250 | 2,509 |
| Average total loans | $122,060,000 | 3,036 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,825 |
| Cost of funding earning assets | 0.8901% | 307 |
| Net interest margin | 2.6244% | 5,641 |
| Noninterest income to average assets | 0.1447% | 5,584 |
| Noninterest expense to average assets | 1.2807% | 5,952 |
| Loan and lease loss provision to assets | 0.1287% | 1,775 |
| Net operating income to assets | 1.2534% | 1,410 |
| Return on assets (ROA) | 1.2534% | 1,529 |
| Pretax return on assets | 1.2534% | 2,593 |
| Return on Equity (ROE) | 9.4427% | 2,300 |
| Retained earnings to average equity (ytd only) | 2.1519% | 4,496 |
| Net charge-offs to loans | 0.0611% | 2,320 |
| Credit loss provision to net charge-offs | 370.2703% | 824 |
| Earnings coverage of net charge-offs (x) | 39.7568% | 1,165 |
| Efficiency ratio | 48.0946% | 5,663 |
| Assets per employee ($millions) | 6.0109% | 1,387 |
| Cash dividends to net income (ytd only)* | 77.2114% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 554 |
| Loan loss allowance to noncurrent loans | 345.8065% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 3,815 |
| Noncurrent loans to loans | 0.6331% | 3,182 |
| Net loans and leases to total assets | 56.9108% | 4,216 |
| Net loans and leases to deposits | 66.1929% | 4,334 |
| Net loans and leases to core deposits | 85.4079% | 2,947 |
| Total domestic deposits to total assets | 85.9773% | 2,431 |
| Equity capital to assets | 13.5997% | 1,182 |
| Core capital (leverage) ratio | 13.3174% | 1,051 |
| Tier 1 risk-based capital ratio | 25.5786% | 761 |
| Total risk-based capital ratio | 26.8426% | 743 |
| Memoranda: | ||
| Average total assets | $212,855,330 | 2,855 |
| Average earning assets | $204,235,330 | 2,769 |
| Average equity | $28,254,670 | 2,516 |
| Average total loans | $121,085,000 | 3,061 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 4,834 |
| Cost of funding earning assets | 0.8952% | 304 |
| Net interest margin | 2.6289% | 5,696 |
| Noninterest income to average assets | 0.1383% | 5,656 |
| Noninterest expense to average assets | 1.2779% | 6,012 |
| Loan and lease loss provision to assets | 0.1457% | 1,450 |
| Net operating income to assets | 1.2331% | 1,441 |
| Return on assets (ROA) | 1.2331% | 1,549 |
| Pretax return on assets | 1.2331% | 2,568 |
| Return on Equity (ROE) | 9.4029% | 2,238 |
| Retained earnings to average equity (ytd only) | 0.4986% | 4,993 |
| Net charge-offs to loans | 0.0266% | 2,409 |
| Credit loss provision to net charge-offs | 975.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 92.2500% | 567 |
| Efficiency ratio | 48.1013% | 5,720 |
| Assets per employee ($millions) | 6.4441% | 1,138 |
| Cash dividends to net income (ytd only)* | 94.6970% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2101% | 581 |
| Loan loss allowance to noncurrent loans | 365.0138% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 4,012 |
| Noncurrent loans to loans | 0.6055% | 3,363 |
| Net loans and leases to total assets | 55.1381% | 4,342 |
| Net loans and leases to deposits | 63.8586% | 4,454 |
| Net loans and leases to core deposits | 81.0986% | 3,224 |
| Total domestic deposits to total assets | 86.3441% | 2,519 |
| Equity capital to assets | 13.2543% | 1,292 |
| Core capital (leverage) ratio | 12.8152% | 1,230 |
| Tier 1 risk-based capital ratio | 26.4080% | 708 |
| Total risk-based capital ratio | 27.6732% | 694 |
| Memoranda: | ||
| Average total assets | $214,093,000 | 2,842 |
| Average earning assets | $205,105,000 | 2,768 |
| Average equity | $28,076,500 | 2,525 |
| Average total loans | $120,423,000 | 3,080 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6446% | 4,543 |
| Cost of funding earning assets | 0.9832% | 191 |
| Net interest margin | 2.6614% | 5,690 |
| Noninterest income to average assets | 0.1556% | 5,642 |
| Noninterest expense to average assets | 1.2743% | 6,083 |
| Loan and lease loss provision to assets | 0.1322% | 1,808 |
| Net operating income to assets | 1.2929% | 1,286 |
| Return on assets (ROA) | 1.2547% | 1,428 |
| Pretax return on assets | 1.2547% | 2,454 |
| Return on Equity (ROE) | 9.6027% | 2,174 |
| Retained earnings to average equity (ytd only) | 3.9741% | 3,207 |
| Net charge-offs to loans | 0.2063% | 1,426 |
| Credit loss provision to net charge-offs | 112.1457% | 2,258 |
| Earnings coverage of net charge-offs (x) | 12.0891% | 2,500 |
| Efficiency ratio | 47.2065% | 5,872 |
| Assets per employee ($millions) | 6.5312% | 1,084 |
| Cash dividends to net income (ytd only)* | 58.6154% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1333% | 660 |
| Loan loss allowance to noncurrent loans | 343.0851% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 3,746 |
| Noncurrent loans to loans | 0.6218% | 3,321 |
| Net loans and leases to total assets | 54.9165% | 4,402 |
| Net loans and leases to deposits | 63.4169% | 4,515 |
| Net loans and leases to core deposits | 82.3651% | 3,104 |
| Total domestic deposits to total assets | 86.5959% | 2,327 |
| Equity capital to assets | 12.9759% | 1,361 |
| Core capital (leverage) ratio | 13.3453% | 1,020 |
| Tier 1 risk-based capital ratio | 26.2282% | 732 |
| Total risk-based capital ratio | 27.4921% | 703 |
| Memoranda: | ||
| Average total assets | $209,526,600 | 2,858 |
| Average earning assets | $200,269,200 | 2,775 |
| Average equity | $27,377,600 | 2,514 |
| Average total loans | $119,719,200 | 3,052 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 4,534 |
| Cost of funding earning assets | 0.9932% | 188 |
| Net interest margin | 2.6737% | 5,753 |
| Noninterest income to average assets | 0.1532% | 5,720 |
| Noninterest expense to average assets | 1.2896% | 6,151 |
| Loan and lease loss provision to assets | 0.1025% | 2,144 |
| Net operating income to assets | 1.3165% | 1,294 |
| Return on assets (ROA) | 1.2652% | 1,495 |
| Pretax return on assets | 1.2652% | 2,531 |
| Return on Equity (ROE) | 9.6655% | 2,236 |
| Retained earnings to average equity (ytd only) | 4.0053% | 3,615 |
| Net charge-offs to loans | 0.2736% | 976 |
| Credit loss provision to net charge-offs | 65.3061% | 2,837 |
| Earnings coverage of net charge-offs (x) | 9.0367% | 2,743 |
| Efficiency ratio | 47.6100% | 5,889 |
| Assets per employee ($millions) | 5.8251% | 1,489 |
| Cash dividends to net income (ytd only)* | 58.5612% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0779% | 807 |
| Loan loss allowance to noncurrent loans | 310.4534% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 3,685 |
| Noncurrent loans to loans | 0.6693% | 3,325 |
| Net loans and leases to total assets | 56.9757% | 4,252 |
| Net loans and leases to deposits | 66.3018% | 4,361 |
| Net loans and leases to core deposits | 87.7383% | 2,682 |
| Total domestic deposits to total assets | 85.9339% | 2,563 |
| Equity capital to assets | 13.6134% | 1,173 |
| Core capital (leverage) ratio | 13.5653% | 991 |
| Tier 1 risk-based capital ratio | 26.1715% | 751 |
| Total risk-based capital ratio | 27.4346% | 734 |
| Memoranda: | ||
| Average total assets | $208,025,500 | 2,894 |
| Average earning assets | $198,820,500 | 2,814 |
| Average equity | $27,230,250 | 2,540 |
| Average total loans | $119,413,500 | 3,083 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,564 |
| Cost of funding earning assets | 0.9983% | 182 |
| Net interest margin | 2.6554% | 5,818 |
| Noninterest income to average assets | 0.1499% | 5,814 |
| Noninterest expense to average assets | 1.2607% | 6,235 |
| Loan and lease loss provision to assets | 0.0917% | 2,285 |
| Net operating income to assets | 1.3304% | 1,237 |
| Return on assets (ROA) | 1.2540% | 1,507 |
| Pretax return on assets | 1.2540% | 2,533 |
| Return on Equity (ROE) | 9.7060% | 2,206 |
| Retained earnings to average equity (ytd only) | 4.0140% | 3,462 |
| Net charge-offs to loans | 0.4111% | 630 |
| Credit loss provision to net charge-offs | 39.0244% | 2,828 |
| Earnings coverage of net charge-offs (x) | 6.0528% | 2,833 |
| Efficiency ratio | 46.9918% | 6,006 |
| Assets per employee ($millions) | 6.3390% | 1,128 |
| Cash dividends to net income (ytd only)* | 58.6443% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0044% | 979 |
| Loan loss allowance to noncurrent loans | 350.3650% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 3,989 |
| Noncurrent loans to loans | 0.5721% | 3,735 |
| Net loans and leases to total assets | 57.8441% | 4,121 |
| Net loans and leases to deposits | 67.1710% | 4,209 |
| Net loans and leases to core deposits | 89.3137% | 2,414 |
| Total domestic deposits to total assets | 86.1147% | 2,633 |
| Equity capital to assets | 13.4269% | 1,205 |
| Core capital (leverage) ratio | 13.3578% | 1,025 |
| Tier 1 risk-based capital ratio | 25.5609% | 813 |
| Total risk-based capital ratio | 26.8231% | 801 |
| Memoranda: | ||
| Average total assets | $209,407,330 | 2,894 |
| Average earning assets | $199,743,670 | 2,822 |
| Average equity | $27,055,330 | 2,564 |
| Average total loans | $119,675,670 | 3,088 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 4,607 |
| Cost of funding earning assets | 1.0016% | 182 |
| Net interest margin | 2.6254% | 5,895 |
| Noninterest income to average assets | 0.1429% | 5,893 |
| Noninterest expense to average assets | 1.1754% | 6,327 |
| Loan and lease loss provision to assets | 0.0940% | 2,117 |
| Net operating income to assets | 1.3729% | 1,083 |
| Return on assets (ROA) | 1.2225% | 1,573 |
| Pretax return on assets | 1.2225% | 2,577 |
| Return on Equity (ROE) | 9.6421% | 2,160 |
| Retained earnings to average equity (ytd only) | 3.9310% | 3,640 |
| Net charge-offs to loans | -0.0033% | 4,417 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4840% | 6,163 |
| Assets per employee ($millions) | 6.6517% | 996 |
| Cash dividends to net income (ytd only)* | 59.2308% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1911% | 817 |
| Loan loss allowance to noncurrent loans | 420.8738% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 4,096 |
| Noncurrent loans to loans | 0.5206% | 4,010 |
| Net loans and leases to total assets | 56.3054% | 4,166 |
| Net loans and leases to deposits | 65.1867% | 4,251 |
| Net loans and leases to core deposits | 84.7122% | 2,690 |
| Total domestic deposits to total assets | 86.3756% | 2,724 |
| Equity capital to assets | 13.1991% | 1,302 |
| Core capital (leverage) ratio | 12.3080% | 1,453 |
| Tier 1 risk-based capital ratio | 25.5995% | 826 |
| Total risk-based capital ratio | 26.8643% | 805 |
| Memoranda: | ||
| Average total assets | $212,687,500 | 2,882 |
| Average earning assets | $202,482,500 | 2,807 |
| Average equity | $26,965,000 | 2,585 |
| Average total loans | $119,646,000 | 3,102 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,614 |
| Cost of funding earning assets | 1.1248% | 118 |
| Net interest margin | 2.6370% | 6,024 |
| Noninterest income to average assets | 0.1571% | 5,914 |
| Noninterest expense to average assets | 1.3402% | 6,380 |
| Loan and lease loss provision to assets | 0.0854% | 2,764 |
| Net operating income to assets | 1.2448% | 1,452 |
| Return on assets (ROA) | 1.2448% | 1,509 |
| Pretax return on assets | 1.2448% | 2,467 |
| Return on Equity (ROE) | 9.9963% | 2,131 |
| Retained earnings to average equity (ytd only) | 2.2218% | 4,664 |
| Net charge-offs to loans | 0.1719% | 2,312 |
| Credit loss provision to net charge-offs | 87.8049% | 2,689 |
| Earnings coverage of net charge-offs (x) | 13.6732% | 2,251 |
| Efficiency ratio | 50.1866% | 6,083 |
| Assets per employee ($millions) | 7.0700% | 817 |
| Cash dividends to net income (ytd only)* | 77.7735% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1147% | 926 |
| Loan loss allowance to noncurrent loans | 461.9565% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 4,447 |
| Noncurrent loans to loans | 0.4578% | 4,278 |
| Net loans and leases to total assets | 53.8561% | 4,601 |
| Net loans and leases to deposits | 61.6594% | 4,754 |
| Net loans and leases to core deposits | 80.2514% | 3,270 |
| Total domestic deposits to total assets | 87.3446% | 2,101 |
| Equity capital to assets | 12.1882% | 1,873 |
| Core capital (leverage) ratio | 12.6560% | 1,277 |
| Tier 1 risk-based capital ratio | 25.0059% | 838 |
| Total risk-based capital ratio | 26.2696% | 825 |
| Memoranda: | ||
| Average total assets | $210,708,400 | 2,871 |
| Average earning assets | $200,832,200 | 2,798 |
| Average equity | $26,239,800 | 2,551 |
| Average total loans | $119,264,200 | 3,060 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 4,587 |
| Cost of funding earning assets | 1.1367% | 115 |
| Net interest margin | 2.6503% | 6,073 |
| Noninterest income to average assets | 0.1547% | 5,986 |
| Noninterest expense to average assets | 1.3589% | 6,432 |
| Loan and lease loss provision to assets | 0.0639% | 3,071 |
| Net operating income to assets | 1.2624% | 1,487 |
| Return on assets (ROA) | 1.2624% | 1,544 |
| Pretax return on assets | 1.2624% | 2,525 |
| Return on Equity (ROE) | 10.0809% | 2,178 |
| Retained earnings to average equity (ytd only) | 1.6334% | 5,231 |
| Net charge-offs to loans | 0.1581% | 2,224 |
| Credit loss provision to net charge-offs | 70.9220% | 2,757 |
| Earnings coverage of net charge-offs (x) | 14.7160% | 2,117 |
| Efficiency ratio | 50.6070% | 6,073 |
| Assets per employee ($millions) | 6.3721% | 1,100 |
| Cash dividends to net income (ytd only)* | 83.7973% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 1,056 |
| Loan loss allowance to noncurrent loans | 765.5589% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 4,682 |
| Noncurrent loans to loans | 0.2775% | 5,079 |
| Net loans and leases to total assets | 57.2499% | 4,175 |
| Net loans and leases to deposits | 66.1266% | 4,316 |
| Net loans and leases to core deposits | 88.0442% | 2,423 |
| Total domestic deposits to total assets | 86.5762% | 2,542 |
| Equity capital to assets | 12.9756% | 1,440 |
| Core capital (leverage) ratio | 12.7322% | 1,290 |
| Tier 1 risk-based capital ratio | 25.1204% | 872 |
| Total risk-based capital ratio | 26.3845% | 857 |
| Memoranda: | ||
| Average total assets | $208,592,750 | 2,916 |
| Average earning assets | $199,167,500 | 2,838 |
| Average equity | $26,121,500 | 2,564 |
| Average total loans | $118,933,500 | 3,080 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 4,627 |
| Cost of funding earning assets | 1.1241% | 130 |
| Net interest margin | 2.6451% | 6,122 |
| Noninterest income to average assets | 0.1494% | 6,066 |
| Noninterest expense to average assets | 1.3447% | 6,507 |
| Loan and lease loss provision to assets | 0.0809% | 2,681 |
| Net operating income to assets | 1.2477% | 1,451 |
| Return on assets (ROA) | 1.2477% | 1,514 |
| Pretax return on assets | 1.2477% | 2,463 |
| Return on Equity (ROE) | 10.0810% | 2,112 |
| Retained earnings to average equity (ytd only) | 2.2377% | 4,770 |
| Net charge-offs to loans | 0.2070% | 1,782 |
| Credit loss provision to net charge-offs | 69.1057% | 2,487 |
| Earnings coverage of net charge-offs (x) | 11.3496% | 2,165 |
| Efficiency ratio | 50.3026% | 6,156 |
| Assets per employee ($millions) | 6.4967% | 1,015 |
| Cash dividends to net income (ytd only)* | 77.8032% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1581% | 1,078 |
| Loan loss allowance to noncurrent loans | 369.8251% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 4,456 |
| Noncurrent loans to loans | 0.5835% | 4,273 |
| Net loans and leases to total assets | 55.3265% | 4,371 |
| Net loans and leases to deposits | 63.7080% | 4,528 |
| Net loans and leases to core deposits | 84.5109% | 2,685 |
| Total domestic deposits to total assets | 86.8438% | 2,551 |
| Equity capital to assets | 12.6963% | 1,544 |
| Core capital (leverage) ratio | 12.8161% | 1,233 |
| Tier 1 risk-based capital ratio | 25.3966% | 832 |
| Total risk-based capital ratio | 26.6606% | 814 |
| Memoranda: | ||
| Average total assets | $210,155,000 | 2,913 |
| Average earning assets | $200,524,670 | 2,831 |
| Average equity | $26,009,330 | 2,564 |
| Average total loans | $118,821,330 | 3,087 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 4,546 |
| Cost of funding earning assets | 1.1168% | 148 |
| Net interest margin | 2.6689% | 6,142 |
| Noninterest income to average assets | 0.1439% | 6,109 |
| Noninterest expense to average assets | 1.3688% | 6,577 |
| Loan and lease loss provision to assets | 0.0947% | 2,341 |
| Net operating income to assets | 1.2230% | 1,415 |
| Return on assets (ROA) | 1.2230% | 1,471 |
| Pretax return on assets | 1.2230% | 2,379 |
| Return on Equity (ROE) | 10.0091% | 2,031 |
| Retained earnings to average equity (ytd only) | 0.1704% | 5,495 |
| Net charge-offs to loans | 0.0502% | 2,678 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 799 |
| Efficiency ratio | 50.9514% | 6,197 |
| Assets per employee ($millions) | 6.6152% | 961 |
| Cash dividends to net income (ytd only)* | 98.2972% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2138% | 1,138 |
| Loan loss allowance to noncurrent loans | 189.4049% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 3,695 |
| Noncurrent loans to loans | 1.1688% | 3,098 |
| Net loans and leases to total assets | 54.4606% | 4,354 |
| Net loans and leases to deposits | 62.3839% | 4,509 |
| Net loans and leases to core deposits | 82.0687% | 2,730 |
| Total domestic deposits to total assets | 87.2992% | 2,639 |
| Equity capital to assets | 12.2426% | 1,720 |
| Core capital (leverage) ratio | 12.2707% | 1,495 |
| Tier 1 risk-based capital ratio | 25.1304% | 875 |
| Total risk-based capital ratio | 26.3955% | 858 |
| Memoranda: | ||
| Average total assets | $211,285,000 | 2,907 |
| Average earning assets | $201,281,000 | 2,837 |
| Average equity | $25,816,500 | 2,572 |
| Average total loans | $119,453,000 | 3,079 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 4,236 |
| Cost of funding earning assets | 1.2933% | 113 |
| Net interest margin | 2.6677% | 6,179 |
| Noninterest income to average assets | 0.1596% | 6,132 |
| Noninterest expense to average assets | 1.3534% | 6,653 |
| Loan and lease loss provision to assets | 0.0866% | 3,374 |
| Net operating income to assets | 1.2649% | 1,347 |
| Return on assets (ROA) | 1.2649% | 1,405 |
| Pretax return on assets | 1.2649% | 2,294 |
| Return on Equity (ROE) | 10.2200% | 2,023 |
| Retained earnings to average equity (ytd only) | 4.1974% | 3,188 |
| Net charge-offs to loans | 0.2592% | 2,414 |
| Credit loss provision to net charge-offs | 56.1129% | 3,671 |
| Earnings coverage of net charge-offs (x) | 8.7586% | 2,615 |
| Efficiency ratio | 50.0358% | 6,397 |
| Assets per employee ($millions) | 6.8027% | 850 |
| Cash dividends to net income (ytd only)* | 58.9293% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1279% | 1,289 |
| Loan loss allowance to noncurrent loans | 149.1025% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 3,444 |
| Noncurrent loans to loans | 1.4272% | 2,748 |
| Net loans and leases to total assets | 56.1615% | 4,295 |
| Net loans and leases to deposits | 64.3340% | 4,472 |
| Net loans and leases to core deposits | 81.3863% | 2,967 |
| Total domestic deposits to total assets | 87.2967% | 2,582 |
| Equity capital to assets | 12.1949% | 1,686 |
| Core capital (leverage) ratio | 12.8204% | 1,214 |
| Tier 1 risk-based capital ratio | 24.4980% | 902 |
| Total risk-based capital ratio | 25.7629% | 886 |
| Memoranda: | ||
| Average total assets | $206,732,000 | 2,952 |
| Average earning assets | $197,247,000 | 2,861 |
| Average equity | $25,587,000 | 2,578 |
| Average total loans | $123,076,400 | 2,982 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 4,242 |
| Cost of funding earning assets | 1.3310% | 105 |
| Net interest margin | 2.6384% | 6,265 |
| Noninterest income to average assets | 0.1601% | 6,227 |
| Noninterest expense to average assets | 1.3670% | 6,709 |
| Loan and lease loss provision to assets | 0.0415% | 4,177 |
| Net operating income to assets | 1.2750% | 1,413 |
| Return on assets (ROA) | 1.2750% | 1,483 |
| Pretax return on assets | 1.2750% | 2,430 |
| Return on Equity (ROE) | 10.2628% | 2,078 |
| Retained earnings to average equity (ytd only) | 4.2314% | 3,669 |
| Net charge-offs to loans | 0.3031% | 2,018 |
| Credit loss provision to net charge-offs | 22.7758% | 4,023 |
| Earnings coverage of net charge-offs (x) | 7.2277% | 2,826 |
| Efficiency ratio | 50.9420% | 6,339 |
| Assets per employee ($millions) | 6.3055% | 1,039 |
| Cash dividends to net income (ytd only)* | 58.7695% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 1,500 |
| Loan loss allowance to noncurrent loans | 104.2136% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 2,957 |
| Noncurrent loans to loans | 2.0167% | 2,231 |
| Net loans and leases to total assets | 57.6687% | 4,065 |
| Net loans and leases to deposits | 66.4370% | 4,251 |
| Net loans and leases to core deposits | 86.5298% | 2,341 |
| Total domestic deposits to total assets | 86.8021% | 2,799 |
| Equity capital to assets | 12.6790% | 1,487 |
| Core capital (leverage) ratio | 12.5747% | 1,381 |
| Tier 1 risk-based capital ratio | 24.1897% | 969 |
| Total risk-based capital ratio | 25.4514% | 952 |
| Memoranda: | ||
| Average total assets | $205,694,250 | 2,979 |
| Average earning assets | $196,732,750 | 2,888 |
| Average equity | $25,554,500 | 2,614 |
| Average total loans | $123,593,000 | 2,986 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 4,118 |
| Cost of funding earning assets | 1.3511% | 110 |
| Net interest margin | 2.6476% | 6,272 |
| Noninterest income to average assets | 0.1614% | 6,249 |
| Noninterest expense to average assets | 1.3923% | 6,738 |
| Loan and lease loss provision to assets | 0.0406% | 4,143 |
| Net operating income to assets | 1.2580% | 1,437 |
| Return on assets (ROA) | 1.2580% | 1,534 |
| Pretax return on assets | 1.2580% | 2,459 |
| Return on Equity (ROE) | 10.1938% | 2,128 |
| Retained earnings to average equity (ytd only) | 4.1652% | 3,636 |
| Net charge-offs to loans | 0.0783% | 3,597 |
| Credit loss provision to net charge-offs | 85.7143% | 2,521 |
| Earnings coverage of net charge-offs (x) | 27.4286% | 1,217 |
| Efficiency ratio | 51.7415% | 6,297 |
| Assets per employee ($millions) | 6.3258% | 995 |
| Cash dividends to net income (ytd only)* | 59.1398% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2175% | 1,390 |
| Loan loss allowance to noncurrent loans | 155.8113% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 3,618 |
| Noncurrent loans to loans | 1.4232% | 3,163 |
| Net loans and leases to total assets | 58.9911% | 3,831 |
| Net loans and leases to deposits | 67.8516% | 4,036 |
| Net loans and leases to core deposits | 89.0073% | 2,004 |
| Total domestic deposits to total assets | 86.9415% | 2,853 |
| Equity capital to assets | 12.4969% | 1,573 |
| Core capital (leverage) ratio | 12.4540% | 1,381 |
| Tier 1 risk-based capital ratio | 23.8725% | 1,009 |
| Total risk-based capital ratio | 25.1378% | 994 |
| Memoranda: | ||
| Average total assets | $207,000,670 | 2,978 |
| Average earning assets | $197,762,000 | 2,895 |
| Average equity | $25,545,000 | 2,623 |
| Average total loans | $125,171,000 | 2,968 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 4,187 |
| Cost of funding earning assets | 1.3680% | 117 |
| Net interest margin | 2.6157% | 6,349 |
| Noninterest income to average assets | 0.1529% | 6,339 |
| Noninterest expense to average assets | 1.4009% | 6,820 |
| Loan and lease loss provision to assets | 0.0191% | 4,229 |
| Net operating income to assets | 1.2289% | 1,437 |
| Return on assets (ROA) | 1.2289% | 1,551 |
| Pretax return on assets | 1.2289% | 2,477 |
| Return on Equity (ROE) | 10.0199% | 2,057 |
| Retained earnings to average equity (ytd only) | 4.0204% | 3,819 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8860% | 6,320 |
| Assets per employee ($millions) | 6.4339% | 1,008 |
| Cash dividends to net income (ytd only)* | 59.8756% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2017% | 1,582 |
| Loan loss allowance to noncurrent loans | 126.8622% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1628% | 3,627 |
| Noncurrent loans to loans | 1.7355% | 2,949 |
| Net loans and leases to total assets | 58.7911% | 3,654 |
| Net loans and leases to deposits | 67.5752% | 3,822 |
| Net loans and leases to core deposits | 89.1240% | 1,790 |
| Total domestic deposits to total assets | 87.0010% | 2,962 |
| Equity capital to assets | 12.5007% | 1,711 |
| Core capital (leverage) ratio | 11.8725% | 1,639 |
| Tier 1 risk-based capital ratio | 23.1243% | 1,139 |
| Total risk-based capital ratio | 24.3890% | 1,117 |
| Memoranda: | ||
| Average total assets | $209,287,500 | 2,985 |
| Average earning assets | $199,714,500 | 2,906 |
| Average equity | $25,669,000 | 2,643 |
| Average total loans | $126,695,500 | 2,954 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 4,269 |
| Cost of funding earning assets | 1.5410% | 141 |
| Net interest margin | 2.7405% | 6,463 |
| Noninterest income to average assets | 0.1420% | 6,327 |
| Noninterest expense to average assets | 1.3666% | 6,923 |
| Loan and lease loss provision to assets | 0.1172% | 4,160 |
| Net operating income to assets | 1.2693% | 1,399 |
| Return on assets (ROA) | 1.2693% | 1,549 |
| Pretax return on assets | 1.2693% | 2,527 |
| Return on Equity (ROE) | 10.3524% | 2,024 |
| Retained earnings to average equity (ytd only) | 4.2401% | 3,243 |
| Net charge-offs to loans | 0.1755% | 3,973 |
| Credit loss provision to net charge-offs | 106.6372% | 2,786 |
| Earnings coverage of net charge-offs (x) | 12.6150% | 1,909 |
| Efficiency ratio | 49.6379% | 6,613 |
| Assets per employee ($millions) | 6.6466% | 924 |
| Cash dividends to net income (ytd only)* | 59.0421% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 1,787 |
| Loan loss allowance to noncurrent loans | 164.7451% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 4,264 |
| Noncurrent loans to loans | 1.2714% | 3,713 |
| Net loans and leases to total assets | 59.6685% | 3,659 |
| Net loans and leases to deposits | 68.2596% | 3,943 |
| Net loans and leases to core deposits | 87.4481% | 2,150 |
| Total domestic deposits to total assets | 87.4141% | 2,570 |
| Equity capital to assets | 12.0368% | 2,025 |
| Core capital (leverage) ratio | 12.2268% | 1,441 |
| Tier 1 risk-based capital ratio | 21.8823% | 1,281 |
| Total risk-based capital ratio | 23.1494% | 1,250 |
| Memoranda: | ||
| Average total assets | $205,626,800 | 2,979 |
| Average earning assets | $195,914,000 | 2,882 |
| Average equity | $25,211,600 | 2,634 |
| Average total loans | $128,750,800 | 2,907 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 4,368 |
| Cost of funding earning assets | 1.5795% | 141 |
| Net interest margin | 2.7409% | 6,587 |
| Noninterest income to average assets | 0.1426% | 6,430 |
| Noninterest expense to average assets | 1.3774% | 7,000 |
| Loan and lease loss provision to assets | 0.0916% | 4,454 |
| Net operating income to assets | 1.2930% | 1,458 |
| Return on assets (ROA) | 1.2930% | 1,606 |
| Pretax return on assets | 1.2930% | 2,632 |
| Return on Equity (ROE) | 10.4958% | 2,138 |
| Retained earnings to average equity (ytd only) | 6.4079% | 2,424 |
| Net charge-offs to loans | 0.1722% | 3,724 |
| Credit loss provision to net charge-offs | 84.3373% | 3,488 |
| Earnings coverage of net charge-offs (x) | 12.7529% | 1,977 |
| Efficiency ratio | 49.8698% | 6,597 |
| Assets per employee ($millions) | 6.3222% | 1,046 |
| Cash dividends to net income (ytd only)* | 38.9479% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1062% | 1,891 |
| Loan loss allowance to noncurrent loans | 148.0620% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 4,241 |
| Noncurrent loans to loans | 1.4225% | 3,667 |
| Net loans and leases to total assets | 61.4325% | 3,490 |
| Net loans and leases to deposits | 70.8227% | 3,782 |
| Net loans and leases to core deposits | 92.1735% | 1,764 |
| Total domestic deposits to total assets | 86.7411% | 2,830 |
| Equity capital to assets | 12.7932% | 1,711 |
| Core capital (leverage) ratio | 12.1364% | 1,568 |
| Tier 1 risk-based capital ratio | 22.7355% | 1,210 |
| Total risk-based capital ratio | 23.9995% | 1,191 |
| Memoranda: | ||
| Average total assets | $203,861,000 | 3,030 |
| Average earning assets | $194,820,750 | 2,927 |
| Average equity | $25,114,250 | 2,674 |
| Average total loans | $128,532,500 | 2,949 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 4,427 |
| Cost of funding earning assets | 1.6012% | 152 |
| Net interest margin | 2.7356% | 6,667 |
| Noninterest income to average assets | 0.1311% | 6,529 |
| Noninterest expense to average assets | 1.3671% | 7,071 |
| Loan and lease loss provision to assets | 0.0979% | 4,315 |
| Net operating income to assets | 1.2761% | 1,500 |
| Return on assets (ROA) | 1.2761% | 1,664 |
| Pretax return on assets | 1.2761% | 2,639 |
| Return on Equity (ROE) | 10.4915% | 2,173 |
| Retained earnings to average equity (ytd only) | 4.2963% | 3,752 |
| Net charge-offs to loans | 0.0883% | 4,266 |
| Credit loss provision to net charge-offs | 175.4386% | 1,607 |
| Earnings coverage of net charge-offs (x) | 24.6316% | 1,216 |
| Efficiency ratio | 49.8750% | 6,652 |
| Assets per employee ($millions) | 6.5002% | 956 |
| Cash dividends to net income (ytd only)* | 59.0491% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 1,901 |
| Loan loss allowance to noncurrent loans | 113.0668% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 3,976 |
| Noncurrent loans to loans | 1.8953% | 3,082 |
| Net loans and leases to total assets | 60.2199% | 3,777 |
| Net loans and leases to deposits | 68.8735% | 4,064 |
| Net loans and leases to core deposits | 89.7214% | 2,012 |
| Total domestic deposits to total assets | 87.4355% | 2,509 |
| Equity capital to assets | 12.0823% | 2,086 |
| Core capital (leverage) ratio | 11.8093% | 1,720 |
| Tier 1 risk-based capital ratio | 21.8881% | 1,320 |
| Total risk-based capital ratio | 23.1572% | 1,289 |
| Memoranda: | ||
| Average total assets | $204,378,000 | 3,036 |
| Average earning assets | $194,983,670 | 2,940 |
| Average equity | $24,858,330 | 2,688 |
| Average total loans | $129,057,330 | 2,943 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 4,176 |
| Cost of funding earning assets | 1.6430% | 156 |
| Net interest margin | 2.7923% | 6,651 |
| Noninterest income to average assets | 0.1698% | 6,360 |
| Noninterest expense to average assets | 1.4099% | 7,110 |
| Loan and lease loss provision to assets | 0.1481% | 3,510 |
| Net operating income to assets | 1.2697% | 1,539 |
| Return on assets (ROA) | 1.2697% | 1,711 |
| Pretax return on assets | 1.2697% | 2,651 |
| Return on Equity (ROE) | 10.4039% | 2,264 |
| Retained earnings to average equity (ytd only) | 4.1745% | 4,088 |
| Net charge-offs to loans | 0.1050% | 3,500 |
| Credit loss provision to net charge-offs | 220.5882% | 1,256 |
| Earnings coverage of net charge-offs (x) | 21.1176% | 1,165 |
| Efficiency ratio | 49.8603% | 6,680 |
| Assets per employee ($millions) | 6.3371% | 1,065 |
| Cash dividends to net income (ytd only)* | 59.8756% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1532% | 1,983 |
| Loan loss allowance to noncurrent loans | 104.4588% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 3,477 |
| Noncurrent loans to loans | 2.0613% | 3,076 |
| Net loans and leases to total assets | 61.4219% | 3,369 |
| Net loans and leases to deposits | 70.3661% | 3,678 |
| Net loans and leases to core deposits | 98.4796% | 1,093 |
| Total domestic deposits to total assets | 87.2891% | 2,775 |
| Equity capital to assets | 12.2277% | 1,897 |
| Core capital (leverage) ratio | 11.5800% | 1,850 |
| Tier 1 risk-based capital ratio | 21.6886% | 1,337 |
| Total risk-based capital ratio | 22.9012% | 1,325 |
| Memoranda: | ||
| Average total assets | $202,564,000 | 3,077 |
| Average earning assets | $192,813,500 | 2,989 |
| Average equity | $24,721,500 | 2,692 |
| Average total loans | $129,584,000 | 2,950 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 4,623 |
| Cost of funding earning assets | 1.7644% | 246 |
| Net interest margin | 2.8488% | 6,763 |
| Noninterest income to average assets | 0.1207% | 6,542 |
| Noninterest expense to average assets | 1.2919% | 7,244 |
| Loan and lease loss provision to assets | 0.2856% | 3,378 |
| Net operating income to assets | 1.2708% | 1,322 |
| Return on assets (ROA) | 1.2708% | 1,423 |
| Pretax return on assets | 1.2708% | 2,234 |
| Return on Equity (ROE) | 10.8424% | 1,753 |
| Retained earnings to average equity (ytd only) | 4.3955% | 3,047 |
| Net charge-offs to loans | 0.1035% | 5,322 |
| Credit loss provision to net charge-offs | 424.8175% | 538 |
| Earnings coverage of net charge-offs (x) | 23.1533% | 1,036 |
| Efficiency ratio | 45.3575% | 7,077 |
| Assets per employee ($millions) | 6.3232% | 1,044 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0474% | 2,136 |
| Loan loss allowance to noncurrent loans | 112.7349% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.4767% | 3,744 |
| Noncurrent loans to loans | 1.8162% | 3,446 |
| Net loans and leases to total assets | 63.8385% | 3,224 |
| Net loans and leases to deposits | 73.1380% | 3,642 |
| Net loans and leases to core deposits | 92.2262% | 1,864 |
| Total domestic deposits to total assets | 87.2849% | 2,586 |
| Equity capital to assets | 12.1809% | 1,985 |
| Core capital (leverage) ratio | 11.8994% | 1,658 |
| Tier 1 risk-based capital ratio | 20.5266% | 1,518 |
| Total risk-based capital ratio | 21.7899% | 1,478 |
| Memoranda: | ||
| Average total assets | $203,807,800 | 3,011 |
| Average earning assets | $195,136,000 | 2,913 |
| Average equity | $23,887,800 | 2,678 |
| Average total loans | $132,406,400 | 2,947 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 4,801 |
| Cost of funding earning assets | 1.7854% | 275 |
| Net interest margin | 2.8313% | 6,853 |
| Noninterest income to average assets | 0.1809% | 6,296 |
| Noninterest expense to average assets | 1.4262% | 7,268 |
| Loan and lease loss provision to assets | 0.1926% | 4,094 |
| Net operating income to assets | 1.2773% | 1,437 |
| Return on assets (ROA) | 1.2773% | 1,540 |
| Pretax return on assets | 1.2773% | 2,369 |
| Return on Equity (ROE) | 11.0049% | 1,858 |
| Retained earnings to average equity (ytd only) | 4.5066% | 3,518 |
| Net charge-offs to loans | 0.0674% | 5,288 |
| Credit loss provision to net charge-offs | 440.2985% | 635 |
| Earnings coverage of net charge-offs (x) | 33.5974% | 866 |
| Efficiency ratio | 49.2446% | 6,867 |
| Assets per employee ($millions) | 6.4353% | 975 |
| Cash dividends to net income (ytd only)* | 59.0491% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 2,547 |
| Loan loss allowance to noncurrent loans | 93.2757% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 3,871 |
| Noncurrent loans to loans | 2.0659% | 3,280 |
| Net loans and leases to total assets | 63.3456% | 3,446 |
| Net loans and leases to deposits | 72.6289% | 3,865 |
| Net loans and leases to core deposits | 93.1719% | 1,860 |
| Total domestic deposits to total assets | 87.2181% | 2,520 |
| Equity capital to assets | 12.2185% | 2,080 |
| Core capital (leverage) ratio | 11.6827% | 1,900 |
| Tier 1 risk-based capital ratio | 21.4238% | 1,377 |
| Total risk-based capital ratio | 22.6900% | 1,350 |
| Memoranda: | ||
| Average total assets | $204,174,250 | 3,031 |
| Average earning assets | $195,804,750 | 2,920 |
| Average equity | $23,698,000 | 2,703 |
| Average total loans | $132,540,000 | 2,964 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 4,915 |
| Cost of funding earning assets | 1.7968% | 313 |
| Net interest margin | 2.8162% | 6,903 |
| Noninterest income to average assets | 0.1760% | 6,399 |
| Noninterest expense to average assets | 1.4251% | 7,345 |
| Loan and lease loss provision to assets | 0.1798% | 4,121 |
| Net operating income to assets | 1.2647% | 1,411 |
| Return on assets (ROA) | 1.2647% | 1,474 |
| Pretax return on assets | 1.2647% | 2,254 |
| Return on Equity (ROE) | 11.0854% | 1,769 |
| Retained earnings to average equity (ytd only) | 4.5245% | 3,308 |
| Net charge-offs to loans | 0.0075% | 5,759 |
| Credit loss provision to net charge-offs | 3,700.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 297.2000% | 116 |
| Efficiency ratio | 49.6612% | 6,962 |
| Assets per employee ($millions) | 6.4771% | 938 |
| Cash dividends to net income (ytd only)* | 59.1852% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 2,875 |
| Loan loss allowance to noncurrent loans | 93.7620% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4229% | 4,082 |
| Noncurrent loans to loans | 1.9561% | 3,537 |
| Net loans and leases to total assets | 64.9084% | 3,272 |
| Net loans and leases to deposits | 74.2374% | 3,766 |
| Net loans and leases to core deposits | 95.7379% | 1,710 |
| Total domestic deposits to total assets | 87.4336% | 2,498 |
| Equity capital to assets | 11.9394% | 2,131 |
| Core capital (leverage) ratio | 11.5423% | 1,888 |
| Tier 1 risk-based capital ratio | 20.6564% | 1,484 |
| Total risk-based capital ratio | 21.9179% | 1,456 |
| Memoranda: | ||
| Average total assets | $205,734,670 | 3,023 |
| Average earning assets | $196,791,330 | 2,914 |
| Average equity | $23,472,330 | 2,702 |
| Average total loans | $133,769,000 | 2,969 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 5,002 |
| Cost of funding earning assets | 1.8138% | 353 |
| Net interest margin | 2.7741% | 6,944 |
| Noninterest income to average assets | 0.1767% | 6,463 |
| Noninterest expense to average assets | 1.4217% | 7,406 |
| Loan and lease loss provision to assets | 0.1729% | 3,898 |
| Net operating income to assets | 1.2295% | 1,456 |
| Return on assets (ROA) | 1.2295% | 1,503 |
| Pretax return on assets | 1.2295% | 2,270 |
| Return on Equity (ROE) | 11.0240% | 1,737 |
| Retained earnings to average equity (ytd only) | 4.3924% | 3,536 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3401% | 6,961 |
| Assets per employee ($millions) | 6.6277% | 871 |
| Cash dividends to net income (ytd only)* | 60.1563% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 3,106 |
| Loan loss allowance to noncurrent loans | 83.2446% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.5551% | 3,919 |
| Noncurrent loans to loans | 2.1247% | 3,414 |
| Net loans and leases to total assets | 63.3888% | 3,564 |
| Net loans and leases to deposits | 71.9646% | 4,081 |
| Net loans and leases to core deposits | 91.5840% | 2,169 |
| Total domestic deposits to total assets | 88.0833% | 2,329 |
| Equity capital to assets | 11.3891% | 2,353 |
| Core capital (leverage) ratio | 11.0372% | 2,160 |
| Tier 1 risk-based capital ratio | 20.3949% | 1,501 |
| Total risk-based capital ratio | 21.6500% | 1,478 |
| Memoranda: | ||
| Average total assets | $208,207,500 | 3,010 |
| Average earning assets | $198,693,500 | 2,904 |
| Average equity | $23,222,000 | 2,723 |
| Average total loans | $134,271,500 | 2,999 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 5,199 |
| Cost of funding earning assets | 2.0848% | 450 |
| Net interest margin | 2.7754% | 7,056 |
| Noninterest income to average assets | 0.1808% | 6,454 |
| Noninterest expense to average assets | 1.2637% | 7,531 |
| Loan and lease loss provision to assets | 0.2044% | 5,197 |
| Net operating income to assets | 1.3616% | 1,027 |
| Return on assets (ROA) | 1.2410% | 1,386 |
| Pretax return on assets | 1.2410% | 2,095 |
| Return on Equity (ROE) | 11.3237% | 1,498 |
| Retained earnings to average equity (ytd only) | 4.5401% | 2,695 |
| Net charge-offs to loans | 0.1247% | 5,644 |
| Credit loss provision to net charge-offs | 250.8876% | 1,127 |
| Earnings coverage of net charge-offs (x) | 19.2189% | 1,072 |
| Efficiency ratio | 44.6584% | 7,395 |
| Assets per employee ($millions) | 7.0319% | 730 |
| Cash dividends to net income (ytd only)* | 59.9068% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 3,364 |
| Loan loss allowance to noncurrent loans | 104.6404% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2130% | 4,602 |
| Noncurrent loans to loans | 1.5850% | 4,121 |
| Net loans and leases to total assets | 63.3805% | 3,991 |
| Net loans and leases to deposits | 71.6475% | 4,575 |
| Net loans and leases to core deposits | 88.6332% | 2,961 |
| Total domestic deposits to total assets | 88.4616% | 1,970 |
| Equity capital to assets | 10.9236% | 2,753 |
| Core capital (leverage) ratio | 10.9658% | 2,188 |
| Tier 1 risk-based capital ratio | 19.5866% | 1,579 |
| Total risk-based capital ratio | 20.8450% | 1,542 |
| Memoranda: | ||
| Average total assets | $207,408,000 | 3,008 |
| Average earning assets | $197,956,800 | 2,904 |
| Average equity | $22,731,000 | 2,799 |
| Average total loans | $135,473,000 | 3,024 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 5,316 |
| Cost of funding earning assets | 2.1356% | 475 |
| Net interest margin | 2.7534% | 7,175 |
| Noninterest income to average assets | 0.1788% | 6,601 |
| Noninterest expense to average assets | 1.3274% | 7,624 |
| Loan and lease loss provision to assets | 0.2279% | 4,794 |
| Net operating income to assets | 1.2563% | 1,456 |
| Return on assets (ROA) | 1.2563% | 1,530 |
| Pretax return on assets | 1.2563% | 2,315 |
| Return on Equity (ROE) | 11.4538% | 1,660 |
| Retained earnings to average equity (ytd only) | 4.6498% | 3,228 |
| Net charge-offs to loans | 0.0522% | 6,000 |
| Credit loss provision to net charge-offs | 666.0377% | 444 |
| Earnings coverage of net charge-offs (x) | 43.3804% | 642 |
| Efficiency ratio | 47.2101% | 7,315 |
| Assets per employee ($millions) | 6.8568% | 819 |
| Cash dividends to net income (ytd only)* | 59.4038% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 3,162 |
| Loan loss allowance to noncurrent loans | 89.9844% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 4,666 |
| Noncurrent loans to loans | 1.8852% | 3,818 |
| Net loans and leases to total assets | 64.7924% | 3,953 |
| Net loans and leases to deposits | 73.6203% | 4,578 |
| Net loans and leases to core deposits | 93.8017% | 2,551 |
| Total domestic deposits to total assets | 88.0089% | 1,954 |
| Equity capital to assets | 11.3066% | 2,698 |
| Core capital (leverage) ratio | 11.0057% | 2,257 |
| Tier 1 risk-based capital ratio | 19.2187% | 1,703 |
| Total risk-based capital ratio | 20.4769% | 1,673 |
| Memoranda: | ||
| Average total assets | $206,521,000 | 3,059 |
| Average earning assets | $197,473,500 | 2,956 |
| Average equity | $22,652,750 | 2,850 |
| Average total loans | $135,351,250 | 3,069 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 5,493 |
| Cost of funding earning assets | 2.1833% | 491 |
| Net interest margin | 2.6934% | 7,262 |
| Noninterest income to average assets | 0.1789% | 6,627 |
| Noninterest expense to average assets | 1.3347% | 7,696 |
| Loan and lease loss provision to assets | 0.1741% | 5,125 |
| Net operating income to assets | 1.2438% | 1,442 |
| Return on assets (ROA) | 1.2438% | 1,503 |
| Pretax return on assets | 1.2438% | 2,275 |
| Return on Equity (ROE) | 11.4561% | 1,606 |
| Retained earnings to average equity (ytd only) | 4.5967% | 3,148 |
| Net charge-offs to loans | 0.0458% | 5,745 |
| Credit loss provision to net charge-offs | 580.6452% | 643 |
| Earnings coverage of net charge-offs (x) | 47.2903% | 627 |
| Efficiency ratio | 48.4891% | 7,314 |
| Assets per employee ($millions) | 7.0399% | 759 |
| Cash dividends to net income (ytd only)* | 59.8756% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 3,467 |
| Loan loss allowance to noncurrent loans | 87.5356% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 4,735 |
| Noncurrent loans to loans | 1.8225% | 3,971 |
| Net loans and leases to total assets | 64.9275% | 4,056 |
| Net loans and leases to deposits | 73.6403% | 4,730 |
| Net loans and leases to core deposits | 95.3016% | 2,536 |
| Total domestic deposits to total assets | 88.1684% | 1,909 |
| Equity capital to assets | 11.1302% | 2,744 |
| Core capital (leverage) ratio | 10.7664% | 2,421 |
| Tier 1 risk-based capital ratio | 18.9327% | 1,738 |
| Total risk-based capital ratio | 20.1891% | 1,702 |
| Memoranda: | ||
| Average total assets | $206,793,670 | 3,083 |
| Average earning assets | $197,592,330 | 2,982 |
| Average equity | $22,451,000 | 2,865 |
| Average total loans | $135,275,000 | 3,099 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 5,607 |
| Cost of funding earning assets | 2.2232% | 548 |
| Net interest margin | 2.6469% | 7,346 |
| Noninterest income to average assets | 0.1749% | 6,714 |
| Noninterest expense to average assets | 1.3224% | 7,797 |
| Loan and lease loss provision to assets | 0.1634% | 4,893 |
| Net operating income to assets | 1.2109% | 1,510 |
| Return on assets (ROA) | 1.2109% | 1,580 |
| Pretax return on assets | 1.2109% | 2,328 |
| Return on Equity (ROE) | 11.2929% | 1,692 |
| Retained earnings to average equity (ytd only) | 4.3917% | 3,516 |
| Net charge-offs to loans | 0.0915% | 4,502 |
| Credit loss provision to net charge-offs | 274.1935% | 1,444 |
| Earnings coverage of net charge-offs (x) | 23.0645% | 1,064 |
| Efficiency ratio | 49.0378% | 7,374 |
| Assets per employee ($millions) | 7.3805% | 689 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 3,698 |
| Loan loss allowance to noncurrent loans | 120.5399% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 5,502 |
| Noncurrent loans to loans | 1.2783% | 4,843 |
| Net loans and leases to total assets | 63.5095% | 4,428 |
| Net loans and leases to deposits | 71.8014% | 5,080 |
| Net loans and leases to core deposits | 93.7277% | 2,873 |
| Total domestic deposits to total assets | 88.4517% | 1,821 |
| Equity capital to assets | 10.8447% | 2,905 |
| Core capital (leverage) ratio | 10.4611% | 2,655 |
| Tier 1 risk-based capital ratio | 18.7549% | 1,783 |
| Total risk-based capital ratio | 20.0114% | 1,745 |
| Memoranda: | ||
| Average total assets | $208,112,000 | 3,118 |
| Average earning assets | $198,272,000 | 3,022 |
| Average equity | $22,315,000 | 2,903 |
| Average total loans | $135,561,000 | 3,153 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 5,489 |
| Cost of funding earning assets | 2.6570% | 661 |
| Net interest margin | 2.5778% | 7,352 |
| Noninterest income to average assets | 0.1895% | 6,736 |
| Noninterest expense to average assets | 1.2835% | 7,885 |
| Loan and lease loss provision to assets | 0.1131% | 6,510 |
| Net operating income to assets | 1.2458% | 1,137 |
| Return on assets (ROA) | 1.2458% | 1,195 |
| Pretax return on assets | 1.2458% | 1,838 |
| Return on Equity (ROE) | 11.5143% | 1,284 |
| Retained earnings to average equity (ytd only) | 3.5905% | 2,671 |
| Net charge-offs to loans | 0.0316% | 6,808 |
| Credit loss provision to net charge-offs | 530.2326% | 571 |
| Earnings coverage of net charge-offs (x) | 63.6977% | 428 |
| Efficiency ratio | 48.5730% | 7,603 |
| Assets per employee ($millions) | 7.2266% | 734 |
| Cash dividends to net income (ytd only)* | 68.8172% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,969 |
| Loan loss allowance to noncurrent loans | 105.8201% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 5,295 |
| Noncurrent loans to loans | 1.3713% | 4,631 |
| Net loans and leases to total assets | 64.8103% | 4,413 |
| Net loans and leases to deposits | 73.1498% | 5,174 |
| Net loans and leases to core deposits | 113.0963% | 2,589 |
| Total domestic deposits to total assets | 88.5995% | 1,675 |
| Equity capital to assets | 10.6022% | 3,064 |
| Core capital (leverage) ratio | 10.8527% | 2,316 |
| Tier 1 risk-based capital ratio | 17.8506% | 1,927 |
| Total risk-based capital ratio | 19.0943% | 1,886 |
| Memoranda: | ||
| Average total assets | $201,558,000 | 3,164 |
| Average earning assets | $191,793,800 | 3,072 |
| Average equity | $21,807,600 | 2,968 |
| Average total loans | $135,862,800 | 3,156 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 5,619 |
| Cost of funding earning assets | 2.7595% | 666 |
| Net interest margin | 2.5033% | 7,461 |
| Noninterest income to average assets | 0.1898% | 6,859 |
| Noninterest expense to average assets | 1.3015% | 7,964 |
| Loan and lease loss provision to assets | 0.0668% | 6,697 |
| Net operating income to assets | 1.2107% | 1,441 |
| Return on assets (ROA) | 1.2107% | 1,499 |
| Pretax return on assets | 1.2107% | 2,232 |
| Return on Equity (ROE) | 11.1309% | 1,584 |
| Retained earnings to average equity (ytd only) | 2.8319% | 3,749 |
| Net charge-offs to loans | 0.0039% | 6,927 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 478.2871% | 71 |
| Efficiency ratio | 50.4663% | 7,524 |
| Assets per employee ($millions) | 6.7001% | 896 |
| Cash dividends to net income (ytd only)* | 74.5586% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 3,830 |
| Loan loss allowance to noncurrent loans | 106.7598% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 5,297 |
| Noncurrent loans to loans | 1.3313% | 4,710 |
| Net loans and leases to total assets | 65.9441% | 4,444 |
| Net loans and leases to deposits | 74.8936% | 5,228 |
| Net loans and leases to core deposits | 121.7889% | 2,090 |
| Total domestic deposits to total assets | 88.0504% | 1,632 |
| Equity capital to assets | 10.9422% | 3,067 |
| Core capital (leverage) ratio | 10.6536% | 2,661 |
| Tier 1 risk-based capital ratio | 17.6324% | 2,090 |
| Total risk-based capital ratio | 18.8868% | 2,044 |
| Memoranda: | ||
| Average total assets | $199,555,000 | 3,209 |
| Average earning assets | $190,463,000 | 3,112 |
| Average equity | $21,704,750 | 3,011 |
| Average total loans | $135,372,750 | 3,202 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 5,625 |
| Cost of funding earning assets | 2.8725% | 653 |
| Net interest margin | 2.4352% | 7,543 |
| Noninterest income to average assets | 0.1859% | 6,965 |
| Noninterest expense to average assets | 1.2619% | 8,068 |
| Loan and lease loss provision to assets | 0.0502% | 6,729 |
| Net operating income to assets | 1.1845% | 1,520 |
| Return on assets (ROA) | 1.1845% | 1,605 |
| Pretax return on assets | 1.1845% | 2,346 |
| Return on Equity (ROE) | 10.9125% | 1,724 |
| Retained earnings to average equity (ytd only) | 4.7389% | 2,666 |
| Net charge-offs to loans | 0.0059% | 6,519 |
| Credit loss provision to net charge-offs | 1,250.0000% | 394 |
| Earnings coverage of net charge-offs (x) | 307.2500% | 124 |
| Efficiency ratio | 50.5433% | 7,630 |
| Assets per employee ($millions) | 6.6344% | 912 |
| Cash dividends to net income (ytd only)* | 56.5734% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 3,721 |
| Loan loss allowance to noncurrent loans | 141.1988% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 5,756 |
| Noncurrent loans to loans | 0.9918% | 5,223 |
| Net loans and leases to total assets | 65.8298% | 4,594 |
| Net loans and leases to deposits | 74.7294% | 5,349 |
| Net loans and leases to core deposits | 121.3153% | 2,254 |
| Total domestic deposits to total assets | 88.0909% | 1,719 |
| Equity capital to assets | 10.9655% | 2,951 |
| Core capital (leverage) ratio | 10.6257% | 2,716 |
| Tier 1 risk-based capital ratio | 18.2215% | 1,952 |
| Total risk-based capital ratio | 19.4758% | 1,900 |
| Memoranda: | ||
| Average total assets | $199,072,670 | 3,238 |
| Average earning assets | $188,897,670 | 3,153 |
| Average equity | $21,608,330 | 3,021 |
| Average total loans | $135,677,000 | 3,234 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3625% | 5,603 |
| Cost of funding earning assets | 2.9943% | 614 |
| Net interest margin | 2.3682% | 7,655 |
| Noninterest income to average assets | 0.1828% | 6,985 |
| Noninterest expense to average assets | 1.2115% | 8,115 |
| Loan and lease loss provision to assets | 0.0703% | 6,080 |
| Net operating income to assets | 1.1352% | 1,852 |
| Return on assets (ROA) | 1.1352% | 1,967 |
| Pretax return on assets | 1.1352% | 2,849 |
| Return on Equity (ROE) | 10.5116% | 2,123 |
| Retained earnings to average equity (ytd only) | 5.0977% | 3,065 |
| Net charge-offs to loans | 0.0117% | 5,450 |
| Credit loss provision to net charge-offs | 875.0000% | 703 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 298 |
| Efficiency ratio | 50.1247% | 7,582 |
| Assets per employee ($millions) | 6.4559% | 982 |
| Cash dividends to net income (ytd only)* | 51.5044% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 3,625 |
| Loan loss allowance to noncurrent loans | 327.8863% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 6,668 |
| Noncurrent loans to loans | 0.4204% | 6,369 |
| Net loans and leases to total assets | 65.9931% | 4,585 |
| Net loans and leases to deposits | 74.8138% | 5,377 |
| Net loans and leases to core deposits | 119.4062% | 2,469 |
| Total domestic deposits to total assets | 88.2098% | 1,641 |
| Equity capital to assets | 10.8148% | 3,167 |
| Core capital (leverage) ratio | 10.5254% | 2,893 |
| Tier 1 risk-based capital ratio | 17.6037% | 2,153 |
| Total risk-based capital ratio | 18.8571% | 2,095 |
| Memoranda: | ||
| Average total assets | $199,092,500 | 3,255 |
| Average earning assets | $187,822,000 | 3,189 |
| Average equity | $21,500,000 | 3,041 |
| Average total loans | $137,073,500 | 3,223 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9941% | 5,570 |
| Cost of funding earning assets | 3.5827% | 415 |
| Net interest margin | 2.4114% | 7,835 |
| Noninterest income to average assets | 0.2030% | 6,995 |
| Noninterest expense to average assets | 1.1538% | 8,174 |
| Loan and lease loss provision to assets | 0.0529% | 6,754 |
| Net operating income to assets | 1.2616% | 1,597 |
| Return on assets (ROA) | 1.2616% | 1,544 |
| Pretax return on assets | 1.2616% | 2,440 |
| Return on Equity (ROE) | 11.6618% | 1,695 |
| Retained earnings to average equity (ytd only) | 6.4174% | 1,358 |
| Net charge-offs to loans | 0.0030% | 6,972 |
| Credit loss provision to net charge-offs | 2,500.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 621.5000% | 90 |
| Efficiency ratio | 46.7438% | 7,886 |
| Assets per employee ($millions) | 6.3888% | 937 |
| Cash dividends to net income (ytd only)* | 44.9707% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 3,823 |
| Loan loss allowance to noncurrent loans | 318.9807% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 6,432 |
| Noncurrent loans to loans | 0.4058% | 6,129 |
| Net loans and leases to total assets | 69.8867% | 4,045 |
| Net loans and leases to deposits | 79.1726% | 5,171 |
| Net loans and leases to core deposits | 120.9800% | 2,604 |
| Total domestic deposits to total assets | 88.2713% | 1,352 |
| Equity capital to assets | 10.7830% | 3,220 |
| Core capital (leverage) ratio | 11.1023% | 2,508 |
| Tier 1 risk-based capital ratio | 16.8742% | 2,351 |
| Total risk-based capital ratio | 18.1267% | 2,294 |
| Memoranda: | ||
| Average total assets | $189,120,200 | 3,280 |
| Average earning assets | $177,657,800 | 3,212 |
| Average equity | $20,460,000 | 3,160 |
| Average total loans | $135,112,200 | 3,176 |