Home > The Farmers State Bank of Waupaca > Performance and Condition Ratios
The Farmers State Bank of Waupaca, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 2,410 |
| Cost of funding earning assets | 1.3424% | 3,513 |
| Net interest margin | 4.0071% | 1,274 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 2.5902% | 2,046 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 1.3834% | 1,288 |
| Return on assets (ROA) | 1.3834% | 1,290 |
| Pretax return on assets | 1.5615% | 1,378 |
| Return on Equity (ROE) | 13.7400% | 1,330 |
| Retained earnings to average equity (ytd only) | 13.7421% | 569 |
| Net charge-offs to loans | -0.1033% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.5046% | 2,657 |
| Assets per employee ($millions) | 6.4811% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 1,391 |
| Loan loss allowance to noncurrent loans | 678.7500% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 2,874 |
| Noncurrent loans to loans | 0.2024% | 2,775 |
| Net loans and leases to total assets | 61.6800% | 2,731 |
| Net loans and leases to deposits | 70.5514% | 2,824 |
| Net loans and leases to core deposits | 75.1072% | 3,013 |
| Total domestic deposits to total assets | 87.4300% | 1,760 |
| Equity capital to assets | 10.5862% | 1,870 |
| Core capital (leverage) ratio | 11.4033% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $260,524,500 | 2,678 |
| Average earning assets | $239,573,500 | 2,688 |
| Average equity | $26,226,000 | 2,628 |
| Average total loans | $158,779,000 | 2,683 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 2,746 |
| Cost of funding earning assets | 1.3618% | 3,583 |
| Net interest margin | 3.8302% | 1,444 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 2.6355% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.2629% | 1,365 |
| Return on assets (ROA) | 1.2629% | 1,375 |
| Pretax return on assets | 1.4045% | 1,505 |
| Return on Equity (ROE) | 11.9300% | 1,632 |
| Retained earnings to average equity (ytd only) | 2.7303% | 3,134 |
| Net charge-offs to loans | -0.0156% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 65.1911% | 2,576 |
| Assets per employee ($millions) | 6.7071% | 2,365 |
| Cash dividends to net income (ytd only)* | 77.1223% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 1,529 |
| Loan loss allowance to noncurrent loans | 1,243.2749% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 3,219 |
| Noncurrent loans to loans | 0.1072% | 3,097 |
| Net loans and leases to total assets | 58.6500% | 3,053 |
| Net loans and leases to deposits | 66.1416% | 3,197 |
| Net loans and leases to core deposits | 69.8743% | 3,367 |
| Total domestic deposits to total assets | 88.6700% | 1,273 |
| Equity capital to assets | 9.5771% | 2,400 |
| Core capital (leverage) ratio | 11.3031% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $253,692,000 | 2,683 |
| Average earning assets | $234,324,400 | 2,685 |
| Average equity | $26,846,600 | 2,534 |
| Average total loans | $154,321,600 | 2,688 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1554% | 2,756 |
| Cost of funding earning assets | 1.3564% | 3,586 |
| Net interest margin | 3.7990% | 1,449 |
| Noninterest income to average assets | 0.4900% | 1,945 |
| Noninterest expense to average assets | 2.6267% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.2478% | 1,425 |
| Return on assets (ROA) | 1.2478% | 1,429 |
| Pretax return on assets | 1.3821% | 1,558 |
| Return on Equity (ROE) | 11.5000% | 1,755 |
| Retained earnings to average equity (ytd only) | 11.4979% | 577 |
| Net charge-offs to loans | 0.0166% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 136.7895% | 653 |
| Efficiency ratio | 65.4618% | 2,540 |
| Assets per employee ($millions) | 6.5219% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,521 |
| Loan loss allowance to noncurrent loans | 674.1100% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 2,886 |
| Noncurrent loans to loans | 0.2003% | 2,738 |
| Net loans and leases to total assets | 59.8300% | 2,938 |
| Net loans and leases to deposits | 69.0750% | 3,054 |
| Net loans and leases to core deposits | 72.5331% | 3,271 |
| Total domestic deposits to total assets | 86.6100% | 1,725 |
| Equity capital to assets | 11.3173% | 1,561 |
| Core capital (leverage) ratio | 12.1789% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $250,043,750 | 2,694 |
| Average earning assets | $231,881,500 | 2,693 |
| Average equity | $27,134,750 | 2,509 |
| Average total loans | $153,034,250 | 2,692 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 2,682 |
| Cost of funding earning assets | 1.3322% | 3,574 |
| Net interest margin | 3.8055% | 1,415 |
| Noninterest income to average assets | 0.4900% | 1,897 |
| Noninterest expense to average assets | 2.6049% | 1,934 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.2671% | 1,333 |
| Return on assets (ROA) | 1.2671% | 1,333 |
| Pretax return on assets | 1.4054% | 1,462 |
| Return on Equity (ROE) | 11.8500% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.8491% | 560 |
| Net charge-offs to loans | -0.0092% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.8638% | 2,667 |
| Assets per employee ($millions) | 6.1190% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 1,497 |
| Loan loss allowance to noncurrent loans | 758.6331% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,895 |
| Noncurrent loans to loans | 0.1796% | 2,784 |
| Net loans and leases to total assets | 62.3700% | 2,721 |
| Net loans and leases to deposits | 71.6840% | 2,860 |
| Net loans and leases to core deposits | 75.3532% | 3,080 |
| Total domestic deposits to total assets | 87.0100% | 1,657 |
| Equity capital to assets | 10.9639% | 1,591 |
| Core capital (leverage) ratio | 11.9800% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $248,607,000 | 2,703 |
| Average earning assets | $230,453,000 | 2,695 |
| Average equity | $26,584,333 | 2,508 |
| Average total loans | $152,627,000 | 2,686 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 2,580 |
| Cost of funding earning assets | 1.2822% | 3,588 |
| Net interest margin | 3.8241% | 1,332 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 2.5753% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2933% | 1,248 |
| Return on assets (ROA) | 1.2933% | 1,255 |
| Pretax return on assets | 1.4401% | 1,367 |
| Return on Equity (ROE) | 12.2500% | 1,500 |
| Retained earnings to average equity (ytd only) | 12.2454% | 700 |
| Net charge-offs to loans | -0.0106% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.1352% | 2,795 |
| Assets per employee ($millions) | 6.1955% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,406 |
| Loan loss allowance to noncurrent loans | 609.2486% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,701 |
| Noncurrent loans to loans | 0.2292% | 2,499 |
| Net loans and leases to total assets | 60.0800% | 2,848 |
| Net loans and leases to deposits | 68.8440% | 2,987 |
| Net loans and leases to core deposits | 72.1596% | 3,208 |
| Total domestic deposits to total assets | 87.2700% | 1,678 |
| Equity capital to assets | 10.7860% | 1,591 |
| Core capital (leverage) ratio | 11.3870% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $250,531,500 | 2,694 |
| Average earning assets | $232,109,500 | 2,694 |
| Average equity | $26,459,000 | 2,519 |
| Average total loans | $151,554,000 | 2,692 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 2,759 |
| Cost of funding earning assets | 0.7368% | 3,872 |
| Net interest margin | 3.9275% | 1,321 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.6341% | 1,907 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 1.3370% | 1,353 |
| Return on assets (ROA) | 1.2822% | 1,436 |
| Pretax return on assets | 1.4989% | 1,421 |
| Return on Equity (ROE) | 12.5400% | 1,835 |
| Retained earnings to average equity (ytd only) | 3.0622% | 3,257 |
| Net charge-offs to loans | -0.0217% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.9795% | 2,608 |
| Assets per employee ($millions) | 6.1766% | 2,671 |
| Cash dividends to net income (ytd only)* | 75.5749% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 1,429 |
| Loan loss allowance to noncurrent loans | 2,109.0000% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,357 |
| Noncurrent loans to loans | 0.0657% | 3,243 |
| Net loans and leases to total assets | 59.2300% | 2,919 |
| Net loans and leases to deposits | 67.3447% | 3,082 |
| Net loans and leases to core deposits | 70.1298% | 3,299 |
| Total domestic deposits to total assets | 87.9600% | 1,375 |
| Equity capital to assets | 10.3411% | 1,824 |
| Core capital (leverage) ratio | 11.2423% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $250,979,600 | 2,678 |
| Average earning assets | $232,210,600 | 2,671 |
| Average equity | $25,668,200 | 2,479 |
| Average total loans | $147,455,200 | 2,692 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 2,740 |
| Cost of funding earning assets | 0.6286% | 3,921 |
| Net interest margin | 3.9460% | 1,309 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.5461% | 2,096 |
| Loan and lease loss provision to assets | -0.1100% | 4,548 |
| Net operating income to assets | 1.3960% | 1,327 |
| Return on assets (ROA) | 1.3673% | 1,373 |
| Pretax return on assets | 1.6522% | 1,255 |
| Return on Equity (ROE) | 13.4100% | 1,818 |
| Retained earnings to average equity (ytd only) | 13.4070% | 757 |
| Net charge-offs to loans | -0.0237% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.7032% | 2,756 |
| Assets per employee ($millions) | 6.0128% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 1,449 |
| Loan loss allowance to noncurrent loans | 983.4101% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 2,999 |
| Noncurrent loans to loans | 0.1423% | 2,839 |
| Net loans and leases to total assets | 61.0000% | 2,749 |
| Net loans and leases to deposits | 69.3806% | 2,880 |
| Net loans and leases to core deposits | 71.7963% | 3,113 |
| Total domestic deposits to total assets | 87.9200% | 1,604 |
| Equity capital to assets | 10.2221% | 1,692 |
| Core capital (leverage) ratio | 11.9863% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $250,414,000 | 2,683 |
| Average earning assets | $231,826,000 | 2,683 |
| Average equity | $25,538,250 | 2,476 |
| Average total loans | $146,290,000 | 2,710 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 2,758 |
| Cost of funding earning assets | 0.5259% | 3,932 |
| Net interest margin | 3.9282% | 1,376 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.4933% | 2,224 |
| Loan and lease loss provision to assets | -0.1600% | 4,598 |
| Net operating income to assets | 1.4533% | 1,205 |
| Return on assets (ROA) | 1.4533% | 1,188 |
| Pretax return on assets | 1.7727% | 1,065 |
| Return on Equity (ROE) | 14.2600% | 1,628 |
| Retained earnings to average equity (ytd only) | 14.2607% | 651 |
| Net charge-offs to loans | -0.0277% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.7081% | 2,868 |
| Assets per employee ($millions) | 6.0106% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,346 |
| Loan loss allowance to noncurrent loans | 2,103.9216% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,362 |
| Noncurrent loans to loans | 0.0690% | 3,204 |
| Net loans and leases to total assets | 59.1200% | 2,858 |
| Net loans and leases to deposits | 67.5180% | 2,947 |
| Net loans and leases to core deposits | 69.6065% | 3,151 |
| Total domestic deposits to total assets | 87.5600% | 1,764 |
| Equity capital to assets | 10.7582% | 1,484 |
| Core capital (leverage) ratio | 11.7686% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $251,710,333 | 2,685 |
| Average earning assets | $233,132,667 | 2,687 |
| Average equity | $25,651,000 | 2,489 |
| Average total loans | $144,215,000 | 2,724 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 2,674 |
| Cost of funding earning assets | 0.4192% | 3,911 |
| Net interest margin | 3.9324% | 1,401 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.4282% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3824% | 1,458 |
| Return on assets (ROA) | 1.3824% | 1,429 |
| Pretax return on assets | 1.6780% | 1,322 |
| Return on Equity (ROE) | 13.9400% | 1,788 |
| Retained earnings to average equity (ytd only) | 13.9410% | 950 |
| Net charge-offs to loans | -0.0281% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.1344% | 3,060 |
| Assets per employee ($millions) | 6.1423% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 958 |
| Loan loss allowance to noncurrent loans | 1,557.3333% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,190 |
| Noncurrent loans to loans | 0.1045% | 3,018 |
| Net loans and leases to total assets | 56.0900% | 3,037 |
| Net loans and leases to deposits | 63.6360% | 3,118 |
| Net loans and leases to core deposits | 65.4261% | 3,268 |
| Total domestic deposits to total assets | 88.1400% | 1,882 |
| Equity capital to assets | 10.3420% | 1,645 |
| Core capital (leverage) ratio | 11.0446% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $254,348,000 | 2,699 |
| Average earning assets | $235,683,500 | 2,697 |
| Average equity | $25,220,500 | 2,533 |
| Average total loans | $142,406,000 | 2,777 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 2,174 |
| Cost of funding earning assets | 0.1147% | 4,315 |
| Net interest margin | 3.7244% | 1,323 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.4660% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3177% | 1,366 |
| Return on assets (ROA) | 1.3177% | 1,328 |
| Pretax return on assets | 1.5918% | 1,184 |
| Return on Equity (ROE) | 13.0500% | 1,797 |
| Retained earnings to average equity (ytd only) | 3.8282% | 3,455 |
| Net charge-offs to loans | -0.0864% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.7717% | 2,946 |
| Assets per employee ($millions) | 6.1157% | 2,662 |
| Cash dividends to net income (ytd only)* | 70.6667% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 888 |
| Loan loss allowance to noncurrent loans | 1,520.2614% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,213 |
| Noncurrent loans to loans | 0.1083% | 2,990 |
| Net loans and leases to total assets | 54.0800% | 3,194 |
| Net loans and leases to deposits | 60.6308% | 3,295 |
| Net loans and leases to core deposits | 62.0734% | 3,384 |
| Total domestic deposits to total assets | 89.1900% | 1,666 |
| Equity capital to assets | 9.4978% | 2,014 |
| Core capital (leverage) ratio | 10.6900% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $256,121,400 | 2,694 |
| Average earning assets | $238,000,400 | 2,683 |
| Average equity | $25,861,000 | 2,542 |
| Average total loans | $141,156,600 | 2,713 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 1,990 |
| Cost of funding earning assets | 0.0756% | 4,450 |
| Net interest margin | 3.6408% | 1,295 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.3302% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3831% | 1,133 |
| Return on assets (ROA) | 1.3831% | 1,104 |
| Pretax return on assets | 1.6821% | 935 |
| Return on Equity (ROE) | 13.5000% | 1,565 |
| Retained earnings to average equity (ytd only) | 13.4971% | 541 |
| Net charge-offs to loans | -0.1804% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.0758% | 3,373 |
| Assets per employee ($millions) | 6.1710% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 869 |
| Loan loss allowance to noncurrent loans | 981.5574% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 2,983 |
| Noncurrent loans to loans | 0.1735% | 2,725 |
| Net loans and leases to total assets | 54.6200% | 3,039 |
| Net loans and leases to deposits | 61.3633% | 3,082 |
| Net loans and leases to core deposits | 62.8245% | 3,199 |
| Total domestic deposits to total assets | 89.0100% | 2,088 |
| Equity capital to assets | 9.5253% | 1,869 |
| Core capital (leverage) ratio | 11.2539% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $255,936,750 | 2,710 |
| Average earning assets | $238,185,750 | 2,695 |
| Average equity | $26,227,250 | 2,556 |
| Average total loans | $141,139,000 | 2,724 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 1,840 |
| Cost of funding earning assets | 0.0710% | 4,452 |
| Net interest margin | 3.5325% | 1,223 |
| Noninterest income to average assets | 0.6835% | 1,414 |
| Noninterest expense to average assets | 2.2257% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4324% | 831 |
| Return on assets (ROA) | 1.4324% | 816 |
| Pretax return on assets | 1.7516% | 675 |
| Return on Equity (ROE) | 13.6618% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.6618% | 397 |
| Net charge-offs to loans | -0.2830% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9601% | 3,779 |
| Assets per employee ($millions) | 6.1380% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 948 |
| Loan loss allowance to noncurrent loans | 1,541.0256% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,360 |
| Noncurrent loans to loans | 0.1108% | 3,191 |
| Net loans and leases to total assets | 55.0033% | 2,862 |
| Net loans and leases to deposits | 61.9349% | 2,891 |
| Net loans and leases to core deposits | 63.4452% | 3,007 |
| Total domestic deposits to total assets | 88.8081% | 2,255 |
| Equity capital to assets | 9.8333% | 1,804 |
| Core capital (leverage) ratio | 11.0977% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,912,333 | 2,729 |
| Average earning assets | $239,546,333 | 2,725 |
| Average equity | $26,936,333 | 2,585 |
| Average total loans | $141,320,333 | 2,740 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 1,791 |
| Cost of funding earning assets | 0.0726% | 4,423 |
| Net interest margin | 3.4342% | 1,223 |
| Noninterest income to average assets | 0.8477% | 937 |
| Noninterest expense to average assets | 2.0852% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5905% | 521 |
| Return on assets (ROA) | 1.5905% | 518 |
| Pretax return on assets | 1.9712% | 386 |
| Return on Equity (ROE) | 14.7263% | 696 |
| Retained earnings to average equity (ytd only) | 14.7263% | 308 |
| Net charge-offs to loans | -0.3617% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4058% | 4,229 |
| Assets per employee ($millions) | 6.2978% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,242 |
| Loan loss allowance to noncurrent loans | 1,475.9494% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,437 |
| Noncurrent loans to loans | 0.1092% | 3,289 |
| Net loans and leases to total assets | 56.4997% | 2,482 |
| Net loans and leases to deposits | 64.0660% | 2,525 |
| Net loans and leases to core deposits | 65.7479% | 2,654 |
| Total domestic deposits to total assets | 88.1899% | 2,438 |
| Equity capital to assets | 10.5902% | 1,549 |
| Core capital (leverage) ratio | 10.7749% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,540,500 | 2,723 |
| Average earning assets | $242,502,500 | 2,720 |
| Average equity | $28,031,500 | 2,606 |
| Average total loans | $141,569,000 | 2,737 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 1,862 |
| Cost of funding earning assets | 0.1098% | 4,310 |
| Net interest margin | 3.6912% | 1,235 |
| Noninterest income to average assets | 0.6657% | 1,883 |
| Noninterest expense to average assets | 2.5623% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2839% | 1,651 |
| Return on assets (ROA) | 1.2889% | 1,683 |
| Pretax return on assets | 1.5603% | 1,542 |
| Return on Equity (ROE) | 10.7348% | 2,262 |
| Retained earnings to average equity (ytd only) | 2.3034% | 3,881 |
| Net charge-offs to loans | -0.1250% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2426% | 2,837 |
| Assets per employee ($millions) | 6.5163% | 2,322 |
| Cash dividends to net income (ytd only)* | 78.5428% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,281 |
| Loan loss allowance to noncurrent loans | 1,288.8889% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 3,530 |
| Noncurrent loans to loans | 0.1235% | 3,311 |
| Net loans and leases to total assets | 51.0061% | 3,174 |
| Net loans and leases to deposits | 58.3368% | 3,226 |
| Net loans and leases to core deposits | 59.7914% | 3,330 |
| Total domestic deposits to total assets | 87.4338% | 2,320 |
| Equity capital to assets | 10.9986% | 1,792 |
| Core capital (leverage) ratio | 10.6399% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,299,200 | 2,716 |
| Average earning assets | $234,940,200 | 2,714 |
| Average equity | $30,173,000 | 2,521 |
| Average total loans | $135,178,000 | 2,779 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 1,721 |
| Cost of funding earning assets | 0.1214% | 4,342 |
| Net interest margin | 3.7930% | 1,133 |
| Noninterest income to average assets | 0.6803% | 1,888 |
| Noninterest expense to average assets | 2.4447% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4533% | 1,386 |
| Return on assets (ROA) | 1.4598% | 1,421 |
| Pretax return on assets | 1.7962% | 1,170 |
| Return on Equity (ROE) | 11.8886% | 2,088 |
| Retained earnings to average equity (ytd only) | 11.8886% | 854 |
| Net charge-offs to loans | -0.1459% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7560% | 3,309 |
| Assets per employee ($millions) | 6.1728% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,333 |
| Loan loss allowance to noncurrent loans | 987.3303% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 3,516 |
| Noncurrent loans to loans | 0.1624% | 3,307 |
| Net loans and leases to total assets | 52.9016% | 3,099 |
| Net loans and leases to deposits | 61.7715% | 3,064 |
| Net loans and leases to core deposits | 63.4774% | 3,183 |
| Total domestic deposits to total assets | 85.6408% | 2,898 |
| Equity capital to assets | 12.4938% | 1,171 |
| Core capital (leverage) ratio | 11.5678% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,331,500 | 2,767 |
| Average earning assets | $231,650,250 | 2,757 |
| Average equity | $30,370,000 | 2,537 |
| Average total loans | $134,353,250 | 2,832 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 1,449 |
| Cost of funding earning assets | 0.1368% | 4,301 |
| Net interest margin | 3.9141% | 946 |
| Noninterest income to average assets | 0.7009% | 1,805 |
| Noninterest expense to average assets | 2.4652% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5287% | 1,218 |
| Return on assets (ROA) | 1.5386% | 1,259 |
| Pretax return on assets | 1.9078% | 1,004 |
| Return on Equity (ROE) | 12.6063% | 1,849 |
| Retained earnings to average equity (ytd only) | 12.6063% | 789 |
| Net charge-offs to loans | -0.1659% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5315% | 3,469 |
| Assets per employee ($millions) | 6.0651% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,466 |
| Loan loss allowance to noncurrent loans | 988.9401% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 3,623 |
| Noncurrent loans to loans | 0.1554% | 3,428 |
| Net loans and leases to total assets | 55.2943% | 2,981 |
| Net loans and leases to deposits | 64.4727% | 2,953 |
| Net loans and leases to core deposits | 66.4137% | 3,081 |
| Total domestic deposits to total assets | 85.7639% | 2,816 |
| Equity capital to assets | 12.4341% | 1,164 |
| Core capital (leverage) ratio | 11.5967% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,413,667 | 2,770 |
| Average earning assets | $229,478,333 | 2,767 |
| Average equity | $29,953,333 | 2,558 |
| Average total loans | $133,781,667 | 2,851 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 1,673 |
| Cost of funding earning assets | 0.1651% | 4,196 |
| Net interest margin | 3.7965% | 1,150 |
| Noninterest income to average assets | 0.7810% | 1,632 |
| Noninterest expense to average assets | 2.3070% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6178% | 1,096 |
| Return on assets (ROA) | 1.6178% | 1,146 |
| Pretax return on assets | 2.0215% | 913 |
| Return on Equity (ROE) | 13.3831% | 1,573 |
| Retained earnings to average equity (ytd only) | 13.3831% | 840 |
| Net charge-offs to loans | -0.0734% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2980% | 3,880 |
| Assets per employee ($millions) | 6.3018% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,430 |
| Loan loss allowance to noncurrent loans | 677.3026% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 3,558 |
| Noncurrent loans to loans | 0.2285% | 3,281 |
| Net loans and leases to total assets | 53.3047% | 3,308 |
| Net loans and leases to deposits | 61.7962% | 3,338 |
| Net loans and leases to core deposits | 63.7909% | 3,434 |
| Total domestic deposits to total assets | 86.2588% | 2,644 |
| Equity capital to assets | 12.0250% | 1,271 |
| Core capital (leverage) ratio | 11.4211% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,785,000 | 2,768 |
| Average earning assets | $227,791,500 | 2,763 |
| Average equity | $29,470,000 | 2,587 |
| Average total loans | $130,849,000 | 2,890 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 1,594 |
| Cost of funding earning assets | 0.4170% | 3,481 |
| Net interest margin | 3.9817% | 1,010 |
| Noninterest income to average assets | 0.7945% | 1,548 |
| Noninterest expense to average assets | 2.6886% | 2,273 |
| Loan and lease loss provision to assets | 0.1344% | 2,678 |
| Net operating income to assets | 1.3611% | 1,104 |
| Return on assets (ROA) | 1.3611% | 1,194 |
| Pretax return on assets | 1.6665% | 916 |
| Return on Equity (ROE) | 10.6506% | 1,758 |
| Retained earnings to average equity (ytd only) | 2.0327% | 3,809 |
| Net charge-offs to loans | -0.0462% | 4,651 |
| Credit loss provision to net charge-offs | -500.0000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8863% | 3,476 |
| Assets per employee ($millions) | 5.8975% | 2,436 |
| Cash dividends to net income (ytd only)* | 80.9148% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,347 |
| Loan loss allowance to noncurrent loans | 689.8305% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,674 |
| Noncurrent loans to loans | 0.2293% | 3,382 |
| Net loans and leases to total assets | 52.3561% | 3,636 |
| Net loans and leases to deposits | 60.7919% | 3,697 |
| Net loans and leases to core deposits | 62.4888% | 3,804 |
| Total domestic deposits to total assets | 86.1235% | 2,317 |
| Equity capital to assets | 12.1531% | 1,497 |
| Core capital (leverage) ratio | 11.4775% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,279,600 | 2,772 |
| Average earning assets | $207,197,800 | 2,766 |
| Average equity | $28,533,600 | 2,567 |
| Average total loans | $129,926,600 | 2,868 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,473 |
| Cost of funding earning assets | 0.4788% | 3,365 |
| Net interest margin | 4.0642% | 963 |
| Noninterest income to average assets | 0.7836% | 1,563 |
| Noninterest expense to average assets | 2.5910% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5751% | 772 |
| Return on assets (ROA) | 1.5751% | 845 |
| Pretax return on assets | 1.9605% | 554 |
| Return on Equity (ROE) | 12.1605% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.1605% | 404 |
| Net charge-offs to loans | -0.0246% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9266% | 3,803 |
| Assets per employee ($millions) | 5.6795% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,356 |
| Loan loss allowance to noncurrent loans | 555.2288% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 3,768 |
| Noncurrent loans to loans | 0.2266% | 3,490 |
| Net loans and leases to total assets | 57.2494% | 3,499 |
| Net loans and leases to deposits | 67.6582% | 3,493 |
| Net loans and leases to core deposits | 70.4265% | 3,597 |
| Total domestic deposits to total assets | 84.6156% | 2,589 |
| Equity capital to assets | 13.3295% | 1,058 |
| Core capital (leverage) ratio | 12.4874% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,650,000 | 2,789 |
| Average earning assets | $202,706,750 | 2,785 |
| Average equity | $28,320,500 | 2,572 |
| Average total loans | $130,250,500 | 2,867 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 1,256 |
| Cost of funding earning assets | 0.5394% | 3,296 |
| Net interest margin | 4.2221% | 879 |
| Noninterest income to average assets | 0.7190% | 1,670 |
| Noninterest expense to average assets | 2.5478% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6596% | 668 |
| Return on assets (ROA) | 1.6596% | 726 |
| Pretax return on assets | 2.0719% | 478 |
| Return on Equity (ROE) | 12.9494% | 1,110 |
| Retained earnings to average equity (ytd only) | 12.9494% | 358 |
| Net charge-offs to loans | -0.0218% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1508% | 4,047 |
| Assets per employee ($millions) | 5.3401% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,084 |
| Loan loss allowance to noncurrent loans | 672.9084% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 3,968 |
| Noncurrent loans to loans | 0.1908% | 3,693 |
| Net loans and leases to total assets | 57.9159% | 3,520 |
| Net loans and leases to deposits | 68.5633% | 3,519 |
| Net loans and leases to core deposits | 71.6114% | 3,615 |
| Total domestic deposits to total assets | 84.4706% | 2,568 |
| Equity capital to assets | 13.3812% | 1,010 |
| Core capital (leverage) ratio | 12.7420% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,913,333 | 2,802 |
| Average earning assets | $197,625,000 | 2,804 |
| Average equity | $27,414,333 | 2,618 |
| Average total loans | $128,664,000 | 2,876 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 1,477 |
| Cost of funding earning assets | 0.6155% | 3,360 |
| Net interest margin | 4.1623% | 996 |
| Noninterest income to average assets | 0.6803% | 1,726 |
| Noninterest expense to average assets | 2.5775% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5580% | 687 |
| Return on assets (ROA) | 1.5580% | 755 |
| Pretax return on assets | 1.9260% | 541 |
| Return on Equity (ROE) | 12.4524% | 1,000 |
| Retained earnings to average equity (ytd only) | 12.4524% | 376 |
| Net charge-offs to loans | -0.0283% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2340% | 4,089 |
| Assets per employee ($millions) | 4.6910% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 1,991 |
| Loan loss allowance to noncurrent loans | 452.6882% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 3,754 |
| Noncurrent loans to loans | 0.2944% | 3,448 |
| Net loans and leases to total assets | 61.8155% | 3,320 |
| Net loans and leases to deposits | 72.0764% | 3,423 |
| Net loans and leases to core deposits | 75.4344% | 3,535 |
| Total domestic deposits to total assets | 85.7639% | 2,100 |
| Equity capital to assets | 12.4846% | 1,744 |
| Core capital (leverage) ratio | 12.8417% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,728,000 | 2,799 |
| Average earning assets | $191,720,000 | 2,818 |
| Average equity | $26,115,500 | 2,703 |
| Average total loans | $127,203,500 | 2,864 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 1,665 |
| Cost of funding earning assets | 0.6956% | 3,178 |
| Net interest margin | 4.2340% | 1,245 |
| Noninterest income to average assets | 0.5864% | 2,288 |
| Noninterest expense to average assets | 2.8608% | 2,407 |
| Loan and lease loss provision to assets | 0.1483% | 1,441 |
| Net operating income to assets | 1.2305% | 1,945 |
| Return on assets (ROA) | 1.2203% | 2,071 |
| Pretax return on assets | 1.4650% | 1,917 |
| Return on Equity (ROE) | 9.1370% | 2,690 |
| Retained earnings to average equity (ytd only) | 0.6183% | 4,510 |
| Net charge-offs to loans | 0.3056% | 681 |
| Credit loss provision to net charge-offs | 78.5340% | 2,811 |
| Earnings coverage of net charge-offs (x) | 8.6073% | 2,754 |
| Efficiency ratio | 63.7646% | 3,105 |
| Assets per employee ($millions) | 5.0173% | 2,571 |
| Cash dividends to net income (ytd only)* | 93.2334% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,882 |
| Loan loss allowance to noncurrent loans | 401.6787% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 3,687 |
| Noncurrent loans to loans | 0.3257% | 3,272 |
| Net loans and leases to total assets | 58.5688% | 3,710 |
| Net loans and leases to deposits | 68.3131% | 3,792 |
| Net loans and leases to core deposits | 71.2755% | 3,894 |
| Total domestic deposits to total assets | 85.7358% | 2,170 |
| Equity capital to assets | 12.5371% | 1,797 |
| Core capital (leverage) ratio | 12.5274% | 1,478 |
| Tier 1 risk-based capital ratio | 15.6474% | 2,526 |
| Total risk-based capital ratio | 16.6743% | 2,539 |
| Memoranda: | ||
| Average total assets | $202,248,400 | 2,823 |
| Average earning assets | $186,301,200 | 2,830 |
| Average equity | $27,011,000 | 2,564 |
| Average total loans | $125,003,600 | 2,877 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 1,634 |
| Cost of funding earning assets | 0.7111% | 3,156 |
| Net interest margin | 4.2545% | 1,263 |
| Noninterest income to average assets | 0.6047% | 2,179 |
| Noninterest expense to average assets | 2.7755% | 2,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4324% | 1,377 |
| Return on assets (ROA) | 1.4186% | 1,472 |
| Pretax return on assets | 1.7391% | 1,223 |
| Return on Equity (ROE) | 10.4484% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.9547% | 759 |
| Net charge-offs to loans | 0.1137% | 1,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 24.7075% | 1,785 |
| Efficiency ratio | 61.2517% | 3,444 |
| Assets per employee ($millions) | 4.9827% | 2,581 |
| Cash dividends to net income (ytd only)* | 4.7259% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 1,860 |
| Loan loss allowance to noncurrent loans | 249.7731% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 3,072 |
| Noncurrent loans to loans | 0.5310% | 2,693 |
| Net loans and leases to total assets | 60.1306% | 3,663 |
| Net loans and leases to deposits | 71.8215% | 3,623 |
| Net loans and leases to core deposits | 75.3452% | 3,735 |
| Total domestic deposits to total assets | 83.7223% | 2,925 |
| Equity capital to assets | 14.1866% | 1,082 |
| Core capital (leverage) ratio | 13.7711% | 1,047 |
| Tier 1 risk-based capital ratio | 17.5526% | 1,932 |
| Total risk-based capital ratio | 18.6113% | 1,943 |
| Memoranda: | ||
| Average total assets | $198,874,750 | 2,872 |
| Average earning assets | $183,549,250 | 2,873 |
| Average equity | $27,001,750 | 2,576 |
| Average total loans | $124,246,250 | 2,918 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 1,584 |
| Cost of funding earning assets | 0.7058% | 3,138 |
| Net interest margin | 4.2546% | 1,227 |
| Noninterest income to average assets | 0.5764% | 2,261 |
| Noninterest expense to average assets | 2.6955% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4678% | 1,238 |
| Return on assets (ROA) | 1.4472% | 1,357 |
| Pretax return on assets | 1.7831% | 1,080 |
| Return on Equity (ROE) | 10.8270% | 2,049 |
| Retained earnings to average equity (ytd only) | 10.0677% | 735 |
| Net charge-offs to loans | 0.0983% | 1,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 29.2131% | 1,494 |
| Efficiency ratio | 59.8468% | 3,751 |
| Assets per employee ($millions) | 4.7781% | 2,768 |
| Cash dividends to net income (ytd only)* | 7.0126% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,729 |
| Loan loss allowance to noncurrent loans | 211.4713% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 2,871 |
| Noncurrent loans to loans | 0.6486% | 2,325 |
| Net loans and leases to total assets | 62.2513% | 3,513 |
| Net loans and leases to deposits | 74.1118% | 3,509 |
| Net loans and leases to core deposits | 77.7322% | 3,601 |
| Total domestic deposits to total assets | 83.9965% | 2,869 |
| Equity capital to assets | 14.1551% | 1,068 |
| Core capital (leverage) ratio | 13.6838% | 1,057 |
| Tier 1 risk-based capital ratio | 17.3075% | 1,994 |
| Total risk-based capital ratio | 18.4076% | 1,990 |
| Memoranda: | ||
| Average total assets | $197,069,000 | 2,896 |
| Average earning assets | $181,921,330 | 2,897 |
| Average equity | $26,341,670 | 2,611 |
| Average total loans | $124,164,000 | 2,935 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 1,611 |
| Cost of funding earning assets | 0.6861% | 3,120 |
| Net interest margin | 4.2070% | 1,291 |
| Noninterest income to average assets | 0.5262% | 2,402 |
| Noninterest expense to average assets | 2.6208% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4402% | 1,269 |
| Return on assets (ROA) | 1.4025% | 1,402 |
| Pretax return on assets | 1.7303% | 1,140 |
| Return on Equity (ROE) | 10.8081% | 2,018 |
| Retained earnings to average equity (ytd only) | 10.8081% | 843 |
| Net charge-offs to loans | 0.2315% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 12.1944% | 1,883 |
| Efficiency ratio | 59.5950% | 3,865 |
| Assets per employee ($millions) | 4.6124% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 1,788 |
| Loan loss allowance to noncurrent loans | 193.0126% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 2,793 |
| Noncurrent loans to loans | 0.7097% | 2,255 |
| Net loans and leases to total assets | 62.6298% | 3,444 |
| Net loans and leases to deposits | 74.0015% | 3,455 |
| Net loans and leases to core deposits | 77.6215% | 3,548 |
| Total domestic deposits to total assets | 84.6331% | 2,807 |
| Equity capital to assets | 13.6242% | 1,166 |
| Core capital (leverage) ratio | 13.2540% | 1,165 |
| Tier 1 risk-based capital ratio | 17.0037% | 2,104 |
| Total risk-based capital ratio | 18.1035% | 2,105 |
| Memoranda: | ||
| Average total assets | $197,653,000 | 2,924 |
| Average earning assets | $181,888,000 | 2,930 |
| Average equity | $25,647,500 | 2,668 |
| Average total loans | $124,422,500 | 2,972 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,579 |
| Cost of funding earning assets | 0.4921% | 3,409 |
| Net interest margin | 4.2937% | 1,173 |
| Noninterest income to average assets | 0.8616% | 1,287 |
| Noninterest expense to average assets | 2.9799% | 2,098 |
| Loan and lease loss provision to assets | 0.3529% | 432 |
| Net operating income to assets | 1.3200% | 1,719 |
| Return on assets (ROA) | 1.2301% | 2,039 |
| Pretax return on assets | 1.3697% | 2,239 |
| Return on Equity (ROE) | 9.1773% | 2,902 |
| Retained earnings to average equity (ytd only) | 0.3783% | 4,883 |
| Net charge-offs to loans | 0.0747% | 2,051 |
| Credit loss provision to net charge-offs | 767.0455% | 463 |
| Earnings coverage of net charge-offs (x) | 39.6136% | 1,320 |
| Efficiency ratio | 62.0509% | 3,516 |
| Assets per employee ($millions) | 4.9167% | 2,598 |
| Cash dividends to net income (ytd only)* | 95.8776% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,655 |
| Loan loss allowance to noncurrent loans | 359.3047% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 3,632 |
| Noncurrent loans to loans | 0.3886% | 3,141 |
| Net loans and leases to total assets | 61.5502% | 3,612 |
| Net loans and leases to deposits | 71.3704% | 3,721 |
| Net loans and leases to core deposits | 74.7779% | 3,799 |
| Total domestic deposits to total assets | 86.2405% | 2,115 |
| Equity capital to assets | 12.3531% | 1,665 |
| Core capital (leverage) ratio | 12.8861% | 1,290 |
| Tier 1 risk-based capital ratio | 16.3206% | 2,300 |
| Total risk-based capital ratio | 17.4515% | 2,285 |
| Memoranda: | ||
| Average total assets | $191,282,200 | 2,948 |
| Average earning assets | $175,558,600 | 2,973 |
| Average equity | $25,639,400 | 2,597 |
| Average total loans | $117,763,000 | 3,023 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 1,608 |
| Cost of funding earning assets | 0.4446% | 3,564 |
| Net interest margin | 4.2785% | 1,161 |
| Noninterest income to average assets | 0.9553% | 1,046 |
| Noninterest expense to average assets | 2.7923% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7913% | 610 |
| Return on assets (ROA) | 1.7536% | 661 |
| Pretax return on assets | 2.0490% | 549 |
| Return on Equity (ROE) | 12.8148% | 1,500 |
| Retained earnings to average equity (ytd only) | 12.1642% | 457 |
| Net charge-offs to loans | -0.0011% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1594% | 4,231 |
| Assets per employee ($millions) | 4.6491% | 2,918 |
| Cash dividends to net income (ytd only)* | 5.0767% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 4,005 |
| Loan loss allowance to noncurrent loans | 172.4595% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 3,252 |
| Noncurrent loans to loans | 0.5572% | 2,711 |
| Net loans and leases to total assets | 63.3201% | 3,502 |
| Net loans and leases to deposits | 75.0403% | 3,503 |
| Net loans and leases to core deposits | 79.1991% | 3,555 |
| Total domestic deposits to total assets | 84.3815% | 2,823 |
| Equity capital to assets | 13.9297% | 979 |
| Core capital (leverage) ratio | 14.3528% | 850 |
| Tier 1 risk-based capital ratio | 18.0048% | 1,792 |
| Total risk-based capital ratio | 18.7683% | 1,881 |
| Memoranda: | ||
| Average total assets | $188,706,500 | 2,996 |
| Average earning assets | $173,328,000 | 3,014 |
| Average equity | $25,823,750 | 2,591 |
| Average total loans | $115,745,500 | 3,070 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,680 |
| Cost of funding earning assets | 0.3922% | 3,784 |
| Net interest margin | 4.2422% | 1,185 |
| Noninterest income to average assets | 1.1304% | 749 |
| Noninterest expense to average assets | 2.7607% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9635% | 408 |
| Return on assets (ROA) | 1.9376% | 425 |
| Pretax return on assets | 2.2279% | 372 |
| Return on Equity (ROE) | 14.2449% | 1,026 |
| Retained earnings to average equity (ytd only) | 13.2598% | 346 |
| Net charge-offs to loans | 0.0229% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 163.3077% | 484 |
| Efficiency ratio | 55.0117% | 4,581 |
| Assets per employee ($millions) | 4.4741% | 3,162 |
| Cash dividends to net income (ytd only)* | 6.9155% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 3,994 |
| Loan loss allowance to noncurrent loans | 363.8365% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 4,142 |
| Noncurrent loans to loans | 0.2675% | 3,753 |
| Net loans and leases to total assets | 62.6350% | 3,534 |
| Net loans and leases to deposits | 74.1049% | 3,519 |
| Net loans and leases to core deposits | 77.7113% | 3,599 |
| Total domestic deposits to total assets | 84.5222% | 2,860 |
| Equity capital to assets | 13.9229% | 953 |
| Core capital (leverage) ratio | 14.4545% | 794 |
| Tier 1 risk-based capital ratio | 17.8932% | 1,829 |
| Total risk-based capital ratio | 18.6613% | 1,920 |
| Memoranda: | ||
| Average total assets | $188,070,670 | 3,019 |
| Average earning assets | $172,362,670 | 3,040 |
| Average equity | $25,581,000 | 2,621 |
| Average total loans | $113,704,670 | 3,112 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 1,809 |
| Cost of funding earning assets | 0.3506% | 3,986 |
| Net interest margin | 4.1673% | 1,254 |
| Noninterest income to average assets | 1.7157% | 341 |
| Noninterest expense to average assets | 2.7106% | 3,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.5350% | 137 |
| Return on assets (ROA) | 2.4853% | 150 |
| Pretax return on assets | 2.7659% | 143 |
| Return on Equity (ROE) | 18.4895% | 364 |
| Retained earnings to average equity (ytd only) | 16.4966% | 222 |
| Net charge-offs to loans | -0.0108% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0008% | 5,141 |
| Assets per employee ($millions) | 4.4884% | 3,183 |
| Cash dividends to net income (ytd only)* | 10.7784% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,681 |
| Loan loss allowance to noncurrent loans | 505.6034% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,451 |
| Noncurrent loans to loans | 0.2071% | 4,043 |
| Net loans and leases to total assets | 60.2394% | 3,732 |
| Net loans and leases to deposits | 71.1818% | 3,684 |
| Net loans and leases to core deposits | 73.9600% | 3,825 |
| Total domestic deposits to total assets | 84.6275% | 3,064 |
| Equity capital to assets | 13.8216% | 937 |
| Core capital (leverage) ratio | 14.0937% | 858 |
| Tier 1 risk-based capital ratio | 18.1649% | 1,781 |
| Total risk-based capital ratio | 18.9750% | 1,858 |
| Memoranda: | ||
| Average total assets | $188,149,000 | 3,052 |
| Average earning assets | $172,293,000 | 3,070 |
| Average equity | $25,290,000 | 2,669 |
| Average total loans | $111,128,500 | 3,175 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 1,730 |
| Cost of funding earning assets | 0.2980% | 4,163 |
| Net interest margin | 4.1943% | 1,197 |
| Noninterest income to average assets | 0.6519% | 2,187 |
| Noninterest expense to average assets | 2.8431% | 2,635 |
| Loan and lease loss provision to assets | 0.0952% | 2,301 |
| Net operating income to assets | 1.0855% | 1,905 |
| Return on assets (ROA) | 1.1720% | 1,633 |
| Pretax return on assets | 1.6324% | 1,212 |
| Return on Equity (ROE) | 8.3207% | 2,640 |
| Retained earnings to average equity (ytd only) | 0.2086% | 4,935 |
| Net charge-offs to loans | 0.5853% | 394 |
| Credit loss provision to net charge-offs | 27.6899% | 3,554 |
| Earnings coverage of net charge-offs (x) | 4.6741% | 3,433 |
| Efficiency ratio | 63.8831% | 3,622 |
| Assets per employee ($millions) | 4.6896% | 2,882 |
| Cash dividends to net income (ytd only)* | 97.4930% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,545 |
| Loan loss allowance to noncurrent loans | 330.5085% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 4,208 |
| Noncurrent loans to loans | 0.3211% | 3,622 |
| Net loans and leases to total assets | 56.7206% | 4,124 |
| Net loans and leases to deposits | 66.3061% | 4,162 |
| Net loans and leases to core deposits | 68.5169% | 4,262 |
| Total domestic deposits to total assets | 85.5435% | 2,640 |
| Equity capital to assets | 13.0777% | 1,226 |
| Core capital (leverage) ratio | 13.5285% | 955 |
| Tier 1 risk-based capital ratio | 17.1572% | 2,037 |
| Total risk-based capital ratio | 17.9519% | 2,145 |
| Memoranda: | ||
| Average total assets | $183,781,200 | 3,074 |
| Average earning assets | $166,440,400 | 3,123 |
| Average equity | $25,887,200 | 2,614 |
| Average total loans | $107,979,200 | 3,213 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 1,604 |
| Cost of funding earning assets | 0.2946% | 4,185 |
| Net interest margin | 4.2190% | 1,111 |
| Noninterest income to average assets | 0.6628% | 2,152 |
| Noninterest expense to average assets | 2.8177% | 2,668 |
| Loan and lease loss provision to assets | 0.0734% | 2,603 |
| Net operating income to assets | 1.2353% | 1,559 |
| Return on assets (ROA) | 1.2925% | 1,395 |
| Pretax return on assets | 1.6610% | 1,213 |
| Return on Equity (ROE) | 9.0053% | 2,593 |
| Retained earnings to average equity (ytd only) | 9.0053% | 834 |
| Net charge-offs to loans | 0.7621% | 243 |
| Credit loss provision to net charge-offs | 16.2866% | 3,182 |
| Earnings coverage of net charge-offs (x) | 3.6857% | 3,310 |
| Efficiency ratio | 62.9138% | 3,728 |
| Assets per employee ($millions) | 4.5088% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,942 |
| Loan loss allowance to noncurrent loans | 299.1935% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,650 |
| Noncurrent loans to loans | 0.3415% | 3,725 |
| Net loans and leases to total assets | 58.3314% | 4,026 |
| Net loans and leases to deposits | 69.9994% | 3,961 |
| Net loans and leases to core deposits | 72.7916% | 4,083 |
| Total domestic deposits to total assets | 83.3313% | 3,350 |
| Equity capital to assets | 14.7662% | 792 |
| Core capital (leverage) ratio | 14.6359% | 735 |
| Tier 1 risk-based capital ratio | 18.8546% | 1,631 |
| Total risk-based capital ratio | 19.6328% | 1,714 |
| Memoranda: | ||
| Average total assets | $181,658,000 | 3,120 |
| Average earning assets | $164,299,000 | 3,181 |
| Average equity | $26,072,750 | 2,625 |
| Average total loans | $107,416,750 | 3,247 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 1,499 |
| Cost of funding earning assets | 0.2857% | 4,231 |
| Net interest margin | 4.2207% | 1,038 |
| Noninterest income to average assets | 0.6855% | 2,056 |
| Noninterest expense to average assets | 2.8628% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2791% | 1,358 |
| Return on assets (ROA) | 1.2946% | 1,336 |
| Pretax return on assets | 1.6546% | 1,182 |
| Return on Equity (ROE) | 9.1098% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.1098% | 809 |
| Net charge-offs to loans | 0.4958% | 397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.5698% | 2,813 |
| Efficiency ratio | 63.6543% | 3,731 |
| Assets per employee ($millions) | 4.5463% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,643 |
| Loan loss allowance to noncurrent loans | 349.2308% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 4,144 |
| Noncurrent loans to loans | 0.3600% | 3,739 |
| Net loans and leases to total assets | 57.3874% | 4,090 |
| Net loans and leases to deposits | 68.4654% | 4,026 |
| Net loans and leases to core deposits | 71.1457% | 4,145 |
| Total domestic deposits to total assets | 83.8196% | 3,278 |
| Equity capital to assets | 14.3709% | 862 |
| Core capital (leverage) ratio | 14.5997% | 718 |
| Tier 1 risk-based capital ratio | 18.4182% | 1,742 |
| Total risk-based capital ratio | 19.3694% | 1,777 |
| Memoranda: | ||
| Average total assets | $180,590,330 | 3,149 |
| Average earning assets | $163,101,330 | 3,199 |
| Average equity | $25,664,670 | 2,656 |
| Average total loans | $106,907,330 | 3,266 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 1,239 |
| Cost of funding earning assets | 0.2838% | 4,213 |
| Net interest margin | 4.2741% | 840 |
| Noninterest income to average assets | 0.6483% | 2,189 |
| Noninterest expense to average assets | 2.7959% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3564% | 1,098 |
| Return on assets (ROA) | 1.3102% | 1,244 |
| Pretax return on assets | 1.6591% | 1,095 |
| Return on Equity (ROE) | 9.2736% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.2736% | 992 |
| Net charge-offs to loans | 0.1205% | 1,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 23.8438% | 1,378 |
| Efficiency ratio | 61.9451% | 4,155 |
| Assets per employee ($millions) | 4.3021% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,729 |
| Loan loss allowance to noncurrent loans | 322.8745% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,955 |
| Noncurrent loans to loans | 0.4613% | 3,446 |
| Net loans and leases to total assets | 59.8066% | 3,806 |
| Net loans and leases to deposits | 71.3399% | 3,667 |
| Net loans and leases to core deposits | 74.6295% | 3,775 |
| Total domestic deposits to total assets | 83.8333% | 3,537 |
| Equity capital to assets | 14.4727% | 762 |
| Core capital (leverage) ratio | 14.3715% | 749 |
| Tier 1 risk-based capital ratio | 18.3929% | 1,767 |
| Total risk-based capital ratio | 19.5305% | 1,750 |
| Memoranda: | ||
| Average total assets | $177,686,500 | 3,209 |
| Average earning assets | $160,688,000 | 3,255 |
| Average equity | $25,103,500 | 2,706 |
| Average total loans | $106,195,500 | 3,295 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 2,182 |
| Cost of funding earning assets | 0.2934% | 4,142 |
| Net interest margin | 3.9936% | 1,647 |
| Noninterest income to average assets | 0.6477% | 2,426 |
| Noninterest expense to average assets | 2.9815% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9863% | 2,408 |
| Return on assets (ROA) | 1.2666% | 1,387 |
| Pretax return on assets | 1.6571% | 1,114 |
| Return on Equity (ROE) | 8.6448% | 2,592 |
| Retained earnings to average equity (ytd only) | 0.4550% | 5,143 |
| Net charge-offs to loans | 0.7447% | 280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.1253% | 3,721 |
| Efficiency ratio | 69.8283% | 2,930 |
| Assets per employee ($millions) | 4.5894% | 2,979 |
| Cash dividends to net income (ytd only)* | 94.7368% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,518 |
| Loan loss allowance to noncurrent loans | 250.3077% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 3,751 |
| Noncurrent loans to loans | 0.6173% | 3,000 |
| Net loans and leases to total assets | 57.9252% | 4,074 |
| Net loans and leases to deposits | 68.3806% | 4,057 |
| Net loans and leases to core deposits | 72.5026% | 4,052 |
| Total domestic deposits to total assets | 84.7100% | 3,169 |
| Equity capital to assets | 13.7882% | 957 |
| Core capital (leverage) ratio | 14.1610% | 776 |
| Tier 1 risk-based capital ratio | 17.8682% | 1,887 |
| Total risk-based capital ratio | 19.0216% | 1,872 |
| Memoranda: | ||
| Average total assets | $180,008,600 | 3,163 |
| Average earning assets | $163,263,000 | 3,192 |
| Average equity | $26,374,200 | 2,604 |
| Average total loans | $99,638,800 | 3,390 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,340 |
| Cost of funding earning assets | 0.2973% | 4,129 |
| Net interest margin | 3.9516% | 1,812 |
| Noninterest income to average assets | 0.6487% | 2,426 |
| Noninterest expense to average assets | 2.7929% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0683% | 2,127 |
| Return on assets (ROA) | 1.4268% | 1,064 |
| Pretax return on assets | 1.9282% | 663 |
| Return on Equity (ROE) | 9.5975% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.5975% | 661 |
| Net charge-offs to loans | 0.6543% | 305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.0498% | 3,320 |
| Efficiency ratio | 65.9218% | 3,605 |
| Assets per employee ($millions) | 4.5352% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 914 |
| Loan loss allowance to noncurrent loans | 274.6725% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 3,868 |
| Noncurrent loans to loans | 0.6770% | 2,997 |
| Net loans and leases to total assets | 56.3057% | 4,275 |
| Net loans and leases to deposits | 68.3817% | 4,114 |
| Net loans and leases to core deposits | 71.8090% | 4,175 |
| Total domestic deposits to total assets | 82.3403% | 3,829 |
| Equity capital to assets | 15.6554% | 605 |
| Core capital (leverage) ratio | 15.1647% | 601 |
| Tier 1 risk-based capital ratio | 19.6053% | 1,522 |
| Total risk-based capital ratio | 20.8565% | 1,487 |
| Memoranda: | ||
| Average total assets | $180,264,250 | 3,178 |
| Average earning assets | $163,676,000 | 3,199 |
| Average equity | $26,798,000 | 2,602 |
| Average total loans | $98,222,250 | 3,422 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 2,472 |
| Cost of funding earning assets | 0.3010% | 4,117 |
| Net interest margin | 3.9122% | 1,938 |
| Noninterest income to average assets | 0.6549% | 2,349 |
| Noninterest expense to average assets | 2.8182% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0115% | 2,340 |
| Return on assets (ROA) | 1.5315% | 887 |
| Pretax return on assets | 2.1125% | 458 |
| Return on Equity (ROE) | 10.4828% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.4828% | 508 |
| Net charge-offs to loans | 1.0212% | 180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.5423% | 3,257 |
| Efficiency ratio | 66.9636% | 3,545 |
| Assets per employee ($millions) | 4.6335% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 860 |
| Loan loss allowance to noncurrent loans | 307.0492% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 4,051 |
| Noncurrent loans to loans | 0.6257% | 3,198 |
| Net loans and leases to total assets | 54.3076% | 4,477 |
| Net loans and leases to deposits | 65.7198% | 4,369 |
| Net loans and leases to core deposits | 70.4152% | 4,294 |
| Total domestic deposits to total assets | 82.6350% | 3,779 |
| Equity capital to assets | 15.4322% | 644 |
| Core capital (leverage) ratio | 14.9089% | 626 |
| Tier 1 risk-based capital ratio | 19.8346% | 1,492 |
| Total risk-based capital ratio | 21.0865% | 1,459 |
| Memoranda: | ||
| Average total assets | $181,395,000 | 3,182 |
| Average earning assets | $164,767,330 | 3,211 |
| Average equity | $26,500,670 | 2,631 |
| Average total loans | $97,137,670 | 3,458 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 2,470 |
| Cost of funding earning assets | 0.3064% | 4,095 |
| Net interest margin | 3.8942% | 1,952 |
| Noninterest income to average assets | 0.6259% | 2,384 |
| Noninterest expense to average assets | 2.7209% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9997% | 2,279 |
| Return on assets (ROA) | 1.8516% | 467 |
| Pretax return on assets | 2.6579% | 188 |
| Return on Equity (ROE) | 13.0250% | 1,034 |
| Retained earnings to average equity (ytd only) | 13.0250% | 393 |
| Net charge-offs to loans | 2.1700% | 66 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.2605% | 2,842 |
| Efficiency ratio | 65.3786% | 3,900 |
| Assets per employee ($millions) | 4.6893% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9240% | 934 |
| Loan loss allowance to noncurrent loans | 548.5119% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 4,463 |
| Noncurrent loans to loans | 0.3508% | 4,174 |
| Net loans and leases to total assets | 52.7203% | 4,555 |
| Net loans and leases to deposits | 63.2422% | 4,484 |
| Net loans and leases to core deposits | 66.9138% | 4,477 |
| Total domestic deposits to total assets | 83.3626% | 3,768 |
| Equity capital to assets | 14.8629% | 725 |
| Core capital (leverage) ratio | 14.2477% | 745 |
| Tier 1 risk-based capital ratio | 19.6031% | 1,589 |
| Total risk-based capital ratio | 20.8547% | 1,552 |
| Memoranda: | ||
| Average total assets | $184,056,000 | 3,160 |
| Average earning assets | $167,121,500 | 3,186 |
| Average equity | $26,165,000 | 2,648 |
| Average total loans | $96,959,500 | 3,473 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 1,933 |
| Cost of funding earning assets | 0.3265% | 3,949 |
| Net interest margin | 4.0640% | 1,506 |
| Noninterest income to average assets | 0.6464% | 2,478 |
| Noninterest expense to average assets | 2.7170% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2028% | 1,537 |
| Return on assets (ROA) | 1.2360% | 1,487 |
| Pretax return on assets | 1.6642% | 1,073 |
| Return on Equity (ROE) | 8.5983% | 2,670 |
| Retained earnings to average equity (ytd only) | 0.8484% | 5,180 |
| Net charge-offs to loans | 0.1822% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.4500% | 2,128 |
| Efficiency ratio | 62.6561% | 4,503 |
| Assets per employee ($millions) | 5.1329% | 2,196 |
| Cash dividends to net income (ytd only)* | 90.1327% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4141% | 444 |
| Loan loss allowance to noncurrent loans | 329.4854% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 4,079 |
| Noncurrent loans to loans | 0.7327% | 2,986 |
| Net loans and leases to total assets | 50.4231% | 4,831 |
| Net loans and leases to deposits | 59.3980% | 4,817 |
| Net loans and leases to core deposits | 62.5478% | 4,843 |
| Total domestic deposits to total assets | 84.8902% | 3,141 |
| Equity capital to assets | 13.6086% | 1,084 |
| Core capital (leverage) ratio | 13.8190% | 867 |
| Tier 1 risk-based capital ratio | 18.7976% | 1,746 |
| Total risk-based capital ratio | 20.0535% | 1,708 |
| Memoranda: | ||
| Average total assets | $182,845,400 | 3,129 |
| Average earning assets | $166,020,600 | 3,176 |
| Average equity | $26,284,400 | 2,603 |
| Average total loans | $98,815,600 | 3,403 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 1,776 |
| Cost of funding earning assets | 0.3324% | 3,951 |
| Net interest margin | 4.1100% | 1,388 |
| Noninterest income to average assets | 0.6804% | 2,326 |
| Noninterest expense to average assets | 2.7096% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2614% | 1,449 |
| Return on assets (ROA) | 1.2679% | 1,487 |
| Pretax return on assets | 1.7127% | 1,070 |
| Return on Equity (ROE) | 8.6986% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.6986% | 1,002 |
| Net charge-offs to loans | 0.1226% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.4287% | 1,667 |
| Efficiency ratio | 61.3947% | 4,662 |
| Assets per employee ($millions) | 4.9059% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4710% | 448 |
| Loan loss allowance to noncurrent loans | 362.5369% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 4,068 |
| Noncurrent loans to loans | 0.6816% | 3,277 |
| Net loans and leases to total assets | 53.4465% | 4,623 |
| Net loans and leases to deposits | 64.2513% | 4,536 |
| Net loans and leases to core deposits | 68.0215% | 4,535 |
| Total domestic deposits to total assets | 83.1835% | 3,738 |
| Equity capital to assets | 15.0338% | 730 |
| Core capital (leverage) ratio | 14.7931% | 683 |
| Tier 1 risk-based capital ratio | 19.9635% | 1,561 |
| Total risk-based capital ratio | 21.2206% | 1,518 |
| Memoranda: | ||
| Average total assets | $181,077,500 | 3,177 |
| Average earning assets | $164,474,250 | 3,223 |
| Average equity | $26,394,250 | 2,622 |
| Average total loans | $98,986,750 | 3,433 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 1,791 |
| Cost of funding earning assets | 0.3443% | 3,876 |
| Net interest margin | 4.0744% | 1,426 |
| Noninterest income to average assets | 0.6654% | 2,386 |
| Noninterest expense to average assets | 2.6983% | 3,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2387% | 1,498 |
| Return on assets (ROA) | 1.2469% | 1,535 |
| Pretax return on assets | 1.6802% | 1,123 |
| Return on Equity (ROE) | 8.6450% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.6450% | 1,029 |
| Net charge-offs to loans | 0.1599% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.1139% | 1,771 |
| Efficiency ratio | 61.7818% | 4,706 |
| Assets per employee ($millions) | 4.9370% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5186% | 476 |
| Loan loss allowance to noncurrent loans | 585.3081% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 4,897 |
| Noncurrent loans to loans | 0.4303% | 4,188 |
| Net loans and leases to total assets | 52.3365% | 4,722 |
| Net loans and leases to deposits | 62.3257% | 4,679 |
| Net loans and leases to core deposits | 66.3995% | 4,621 |
| Total domestic deposits to total assets | 83.9726% | 3,577 |
| Equity capital to assets | 14.4519% | 831 |
| Core capital (leverage) ratio | 14.6803% | 672 |
| Tier 1 risk-based capital ratio | 19.7048% | 1,620 |
| Total risk-based capital ratio | 20.9618% | 1,577 |
| Memoranda: | ||
| Average total assets | $180,930,670 | 3,204 |
| Average earning assets | $164,391,000 | 3,247 |
| Average equity | $26,096,000 | 2,650 |
| Average total loans | $98,824,670 | 3,460 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 1,646 |
| Cost of funding earning assets | 0.3476% | 3,885 |
| Net interest margin | 4.0881% | 1,312 |
| Noninterest income to average assets | 0.6775% | 2,263 |
| Noninterest expense to average assets | 2.7413% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2258% | 1,473 |
| Return on assets (ROA) | 1.2307% | 1,550 |
| Pretax return on assets | 1.6528% | 1,150 |
| Return on Equity (ROE) | 8.5413% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.5413% | 1,362 |
| Net charge-offs to loans | 0.1089% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 1,204 |
| Efficiency ratio | 62.4810% | 4,711 |
| Assets per employee ($millions) | 4.6856% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 504 |
| Loan loss allowance to noncurrent loans | 579.7701% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 4,770 |
| Noncurrent loans to loans | 0.4382% | 4,286 |
| Net loans and leases to total assets | 54.3406% | 4,405 |
| Net loans and leases to deposits | 65.0213% | 4,266 |
| Net loans and leases to core deposits | 69.7861% | 4,176 |
| Total domestic deposits to total assets | 83.5734% | 3,982 |
| Equity capital to assets | 14.7978% | 754 |
| Core capital (leverage) ratio | 14.0200% | 818 |
| Tier 1 risk-based capital ratio | 19.1923% | 1,818 |
| Total risk-based capital ratio | 20.4501% | 1,775 |
| Memoranda: | ||
| Average total assets | $180,062,000 | 3,230 |
| Average earning assets | $163,400,500 | 3,273 |
| Average equity | $25,944,500 | 2,677 |
| Average total loans | $99,201,000 | 3,469 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 1,204 |
| Cost of funding earning assets | 0.3827% | 3,879 |
| Net interest margin | 4.3686% | 931 |
| Noninterest income to average assets | 0.7793% | 1,953 |
| Noninterest expense to average assets | 2.7718% | 3,590 |
| Loan and lease loss provision to assets | 0.2124% | 1,176 |
| Net operating income to assets | 1.3209% | 1,265 |
| Return on assets (ROA) | 1.3752% | 1,173 |
| Pretax return on assets | 1.8169% | 764 |
| Return on Equity (ROE) | 9.5475% | 2,316 |
| Retained earnings to average equity (ytd only) | 1.7184% | 4,961 |
| Net charge-offs to loans | 0.4409% | 960 |
| Credit loss provision to net charge-offs | 84.6501% | 2,771 |
| Earnings coverage of net charge-offs (x) | 7.8036% | 2,973 |
| Efficiency ratio | 58.6038% | 5,390 |
| Assets per employee ($millions) | 4.7913% | 2,606 |
| Cash dividends to net income (ytd only)* | 82.0016% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5715% | 503 |
| Loan loss allowance to noncurrent loans | 259.3082% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 3,796 |
| Noncurrent loans to loans | 0.9917% | 2,849 |
| Net loans and leases to total assets | 53.0430% | 4,681 |
| Net loans and leases to deposits | 62.7981% | 4,658 |
| Net loans and leases to core deposits | 66.8670% | 4,608 |
| Total domestic deposits to total assets | 84.4660% | 3,522 |
| Equity capital to assets | 14.0280% | 944 |
| Core capital (leverage) ratio | 14.0678% | 799 |
| Tier 1 risk-based capital ratio | 19.1953% | 1,794 |
| Total risk-based capital ratio | 20.3487% | 1,784 |
| Memoranda: | ||
| Average total assets | $176,561,600 | 3,248 |
| Average earning assets | $159,663,000 | 3,288 |
| Average equity | $25,430,800 | 2,622 |
| Average total loans | $100,479,400 | 3,411 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 1,114 |
| Cost of funding earning assets | 0.3841% | 3,970 |
| Net interest margin | 4.4107% | 871 |
| Noninterest income to average assets | 0.7946% | 1,918 |
| Noninterest expense to average assets | 2.7879% | 3,511 |
| Loan and lease loss provision to assets | 0.1484% | 1,688 |
| Net operating income to assets | 1.3837% | 1,165 |
| Return on assets (ROA) | 1.4385% | 1,095 |
| Pretax return on assets | 1.9172% | 691 |
| Return on Equity (ROE) | 9.9198% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.9198% | 729 |
| Net charge-offs to loans | 0.1521% | 2,272 |
| Credit loss provision to net charge-offs | 169.5652% | 1,452 |
| Earnings coverage of net charge-offs (x) | 22.7651% | 1,617 |
| Efficiency ratio | 58.3187% | 5,404 |
| Assets per employee ($millions) | 4.5363% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6773% | 506 |
| Loan loss allowance to noncurrent loans | 320.3088% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 4,222 |
| Noncurrent loans to loans | 0.8359% | 3,484 |
| Net loans and leases to total assets | 56.8729% | 4,216 |
| Net loans and leases to deposits | 68.8498% | 4,037 |
| Net loans and leases to core deposits | 72.9721% | 4,055 |
| Total domestic deposits to total assets | 82.6042% | 4,265 |
| Equity capital to assets | 15.6113% | 616 |
| Core capital (leverage) ratio | 15.1426% | 597 |
| Tier 1 risk-based capital ratio | 20.4996% | 1,553 |
| Total risk-based capital ratio | 21.6564% | 1,539 |
| Memoranda: | ||
| Average total assets | $175,184,250 | 3,291 |
| Average earning assets | $158,306,250 | 3,331 |
| Average equity | $25,403,250 | 2,629 |
| Average total loans | $100,818,000 | 3,430 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 1,145 |
| Cost of funding earning assets | 0.3862% | 4,036 |
| Net interest margin | 4.3781% | 883 |
| Noninterest income to average assets | 0.7336% | 2,124 |
| Noninterest expense to average assets | 2.7788% | 3,580 |
| Loan and lease loss provision to assets | 0.1363% | 1,817 |
| Net operating income to assets | 1.3309% | 1,228 |
| Return on assets (ROA) | 1.4025% | 1,098 |
| Pretax return on assets | 1.8658% | 735 |
| Return on Equity (ROE) | 9.9194% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.9194% | 731 |
| Net charge-offs to loans | 0.5355% | 761 |
| Credit loss provision to net charge-offs | 44.4444% | 2,870 |
| Earnings coverage of net charge-offs (x) | 6.2185% | 2,804 |
| Efficiency ratio | 59.3068% | 5,388 |
| Assets per employee ($millions) | 4.6494% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4559% | 756 |
| Loan loss allowance to noncurrent loans | 313.4689% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 4,385 |
| Noncurrent loans to loans | 0.7835% | 3,742 |
| Net loans and leases to total assets | 56.9594% | 4,120 |
| Net loans and leases to deposits | 68.4205% | 4,008 |
| Net loans and leases to core deposits | 72.2539% | 4,025 |
| Total domestic deposits to total assets | 83.2490% | 4,214 |
| Equity capital to assets | 15.1460% | 671 |
| Core capital (leverage) ratio | 14.5977% | 678 |
| Tier 1 risk-based capital ratio | 20.0980% | 1,663 |
| Total risk-based capital ratio | 21.2532% | 1,655 |
| Memoranda: | ||
| Average total assets | $176,118,670 | 3,297 |
| Average earning assets | $158,972,330 | 3,335 |
| Average equity | $24,900,670 | 2,672 |
| Average total loans | $100,845,670 | 3,442 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 1,263 |
| Cost of funding earning assets | 0.3912% | 4,077 |
| Net interest margin | 4.3034% | 989 |
| Noninterest income to average assets | 0.6511% | 2,455 |
| Noninterest expense to average assets | 2.7525% | 3,738 |
| Loan and lease loss provision to assets | 0.2694% | 773 |
| Net operating income to assets | 1.1784% | 1,544 |
| Return on assets (ROA) | 1.2011% | 1,547 |
| Pretax return on assets | 1.5357% | 1,322 |
| Return on Equity (ROE) | 8.7981% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.7981% | 1,311 |
| Net charge-offs to loans | 0.2256% | 1,419 |
| Credit loss provision to net charge-offs | 210.5263% | 1,001 |
| Earnings coverage of net charge-offs (x) | 13.8772% | 1,644 |
| Efficiency ratio | 60.7833% | 5,298 |
| Assets per employee ($millions) | 4.7389% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6770% | 650 |
| Loan loss allowance to noncurrent loans | 470.1754% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 4,127 |
| Noncurrent loans to loans | 0.5694% | 4,455 |
| Net loans and leases to total assets | 55.5677% | 4,199 |
| Net loans and leases to deposits | 65.7097% | 4,129 |
| Net loans and leases to core deposits | 69.2291% | 4,178 |
| Total domestic deposits to total assets | 84.5655% | 4,057 |
| Equity capital to assets | 14.1809% | 861 |
| Core capital (leverage) ratio | 14.0468% | 809 |
| Tier 1 risk-based capital ratio | 19.5988% | 1,814 |
| Total risk-based capital ratio | 20.7577% | 1,803 |
| Memoranda: | ||
| Average total assets | $178,165,000 | 3,298 |
| Average earning assets | $160,523,500 | 3,341 |
| Average equity | $24,323,500 | 2,718 |
| Average total loans | $101,042,500 | 3,445 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 955 |
| Cost of funding earning assets | 0.4920% | 3,685 |
| Net interest margin | 4.4854% | 754 |
| Noninterest income to average assets | 0.8033% | 2,071 |
| Noninterest expense to average assets | 2.8348% | 3,597 |
| Loan and lease loss provision to assets | 0.8789% | 226 |
| Net operating income to assets | 0.9170% | 2,698 |
| Return on assets (ROA) | 1.1571% | 1,791 |
| Pretax return on assets | 1.4476% | 1,629 |
| Return on Equity (ROE) | 8.0620% | 3,007 |
| Retained earnings to average equity (ytd only) | 0.3970% | 5,669 |
| Net charge-offs to loans | 1.6253% | 280 |
| Credit loss provision to net charge-offs | 91.3783% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.1067% | 4,332 |
| Efficiency ratio | 58.3150% | 5,698 |
| Assets per employee ($millions) | 4.6407% | 2,669 |
| Cash dividends to net income (ytd only)* | 95.0756% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5664% | 759 |
| Loan loss allowance to noncurrent loans | 429.0164% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 4,539 |
| Noncurrent loans to loans | 0.5982% | 4,492 |
| Net loans and leases to total assets | 54.8956% | 4,478 |
| Net loans and leases to deposits | 64.0500% | 4,500 |
| Net loans and leases to core deposits | 67.3347% | 4,578 |
| Total domestic deposits to total assets | 85.7074% | 3,400 |
| Equity capital to assets | 13.1400% | 1,212 |
| Core capital (leverage) ratio | 13.9416% | 836 |
| Tier 1 risk-based capital ratio | 18.7607% | 1,991 |
| Total risk-based capital ratio | 19.9242% | 1,986 |
| Memoranda: | ||
| Average total assets | $177,259,400 | 3,302 |
| Average earning assets | $160,365,200 | 3,332 |
| Average equity | $25,440,400 | 2,591 |
| Average total loans | $104,902,000 | 3,345 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0387% | 863 |
| Cost of funding earning assets | 0.5172% | 3,596 |
| Net interest margin | 4.5215% | 711 |
| Noninterest income to average assets | 0.8560% | 1,912 |
| Noninterest expense to average assets | 2.9074% | 3,285 |
| Loan and lease loss provision to assets | 0.7584% | 272 |
| Net operating income to assets | 0.9977% | 2,384 |
| Return on assets (ROA) | 1.3051% | 1,400 |
| Pretax return on assets | 1.6877% | 1,126 |
| Return on Equity (ROE) | 8.9007% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.9007% | 1,087 |
| Net charge-offs to loans | 1.7393% | 241 |
| Credit loss provision to net charge-offs | 72.7866% | 3,008 |
| Earnings coverage of net charge-offs (x) | 1.9644% | 4,168 |
| Efficiency ratio | 58.6844% | 5,601 |
| Assets per employee ($millions) | 4.3094% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3165% | 1,161 |
| Loan loss allowance to noncurrent loans | 316.4238% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 4,752 |
| Noncurrent loans to loans | 0.7321% | 4,389 |
| Net loans and leases to total assets | 58.4417% | 3,934 |
| Net loans and leases to deposits | 69.7882% | 3,815 |
| Net loans and leases to core deposits | 73.6447% | 3,892 |
| Total domestic deposits to total assets | 83.7415% | 4,296 |
| Equity capital to assets | 14.7903% | 752 |
| Core capital (leverage) ratio | 14.8609% | 663 |
| Tier 1 risk-based capital ratio | 20.1512% | 1,700 |
| Total risk-based capital ratio | 21.3153% | 1,694 |
| Memoranda: | ||
| Average total assets | $176,327,000 | 3,345 |
| Average earning assets | $159,824,250 | 3,376 |
| Average equity | $25,855,000 | 2,590 |
| Average total loans | $105,634,500 | 3,352 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 871 |
| Cost of funding earning assets | 0.5366% | 3,531 |
| Net interest margin | 4.4932% | 713 |
| Noninterest income to average assets | 0.8444% | 2,016 |
| Noninterest expense to average assets | 2.8968% | 3,347 |
| Loan and lease loss provision to assets | 0.8556% | 239 |
| Net operating income to assets | 0.9000% | 2,796 |
| Return on assets (ROA) | 1.3578% | 1,259 |
| Pretax return on assets | 1.7687% | 982 |
| Return on Equity (ROE) | 9.2859% | 2,500 |
| Retained earnings to average equity (ytd only) | 9.2859% | 1,031 |
| Net charge-offs to loans | 0.5429% | 1,218 |
| Credit loss provision to net charge-offs | 262.9758% | 958 |
| Earnings coverage of net charge-offs (x) | 6.2388% | 2,752 |
| Efficiency ratio | 58.7980% | 5,626 |
| Assets per employee ($millions) | 4.1807% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0638% | 546 |
| Loan loss allowance to noncurrent loans | 317.1569% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 4,527 |
| Noncurrent loans to loans | 0.9660% | 4,006 |
| Net loans and leases to total assets | 59.7118% | 3,711 |
| Net loans and leases to deposits | 71.1657% | 3,566 |
| Net loans and leases to core deposits | 75.2079% | 3,646 |
| Total domestic deposits to total assets | 83.9053% | 4,363 |
| Equity capital to assets | 14.8632% | 739 |
| Core capital (leverage) ratio | 14.5397% | 689 |
| Tier 1 risk-based capital ratio | 19.8441% | 1,756 |
| Total risk-based capital ratio | 21.0170% | 1,749 |
| Memoranda: | ||
| Average total assets | $177,643,670 | 3,341 |
| Average earning assets | $161,398,330 | 3,373 |
| Average equity | $25,975,000 | 2,589 |
| Average total loans | $106,469,670 | 3,348 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 930 |
| Cost of funding earning assets | 0.5772% | 3,313 |
| Net interest margin | 4.4012% | 804 |
| Noninterest income to average assets | 0.7856% | 2,188 |
| Noninterest expense to average assets | 2.8635% | 3,491 |
| Loan and lease loss provision to assets | 1.3388% | 114 |
| Net operating income to assets | 0.4556% | 4,888 |
| Return on assets (ROA) | 1.3255% | 1,316 |
| Pretax return on assets | 1.6973% | 1,080 |
| Return on Equity (ROE) | 9.1367% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.1367% | 1,342 |
| Net charge-offs to loans | 0.4303% | 1,378 |
| Credit loss provision to net charge-offs | 526.0870% | 508 |
| Earnings coverage of net charge-offs (x) | 7.5478% | 2,052 |
| Efficiency ratio | 59.8520% | 5,608 |
| Assets per employee ($millions) | 4.4075% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0584% | 620 |
| Loan loss allowance to noncurrent loans | 213.0976% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 3,727 |
| Noncurrent loans to loans | 1.4352% | 3,415 |
| Net loans and leases to total assets | 58.5029% | 3,703 |
| Net loans and leases to deposits | 70.0256% | 3,476 |
| Net loans and leases to core deposits | 73.6414% | 3,625 |
| Total domestic deposits to total assets | 83.5450% | 4,649 |
| Equity capital to assets | 14.8617% | 788 |
| Core capital (leverage) ratio | 13.6780% | 881 |
| Tier 1 risk-based capital ratio | 20.8672% | 1,568 |
| Total risk-based capital ratio | 22.1356% | 1,535 |
| Memoranda: | ||
| Average total assets | $180,760,500 | 3,337 |
| Average earning assets | $164,228,000 | 3,371 |
| Average equity | $26,224,000 | 2,593 |
| Average total loans | $106,911,000 | 3,362 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3959% | 766 |
| Cost of funding earning assets | 0.7069% | 3,443 |
| Net interest margin | 4.6890% | 662 |
| Noninterest income to average assets | 0.6286% | 3,119 |
| Noninterest expense to average assets | 2.5618% | 4,893 |
| Loan and lease loss provision to assets | 1.2171% | 295 |
| Net operating income to assets | 0.9176% | 2,729 |
| Return on assets (ROA) | 1.2116% | 1,726 |
| Pretax return on assets | 1.4605% | 1,815 |
| Return on Equity (ROE) | 8.3932% | 2,921 |
| Retained earnings to average equity (ytd only) | -0.7339% | 5,981 |
| Net charge-offs to loans | 1.1418% | 910 |
| Credit loss provision to net charge-offs | 175.5486% | 1,495 |
| Earnings coverage of net charge-offs (x) | 3.3511% | 3,768 |
| Efficiency ratio | 52.4413% | 6,426 |
| Assets per employee ($millions) | 4.5176% | 2,927 |
| Cash dividends to net income (ytd only)* | 108.7444% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5729% | 1,043 |
| Loan loss allowance to noncurrent loans | 176.1632% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 4,044 |
| Noncurrent loans to loans | 1.4605% | 3,405 |
| Net loans and leases to total assets | 56.5073% | 4,205 |
| Net loans and leases to deposits | 69.3291% | 3,788 |
| Net loans and leases to core deposits | 72.6803% | 3,953 |
| Total domestic deposits to total assets | 81.5060% | 5,259 |
| Equity capital to assets | 14.1706% | 980 |
| Core capital (leverage) ratio | 13.0922% | 1,085 |
| Tier 1 risk-based capital ratio | 19.4751% | 1,819 |
| Total risk-based capital ratio | 20.7369% | 1,786 |
| Memoranda: | ||
| Average total assets | $184,050,200 | 3,257 |
| Average earning assets | $167,071,200 | 3,268 |
| Average equity | $26,569,200 | 2,516 |
| Average total loans | $111,756,000 | 3,258 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 695 |
| Cost of funding earning assets | 0.7396% | 3,436 |
| Net interest margin | 4.7493% | 609 |
| Noninterest income to average assets | 0.5964% | 3,301 |
| Noninterest expense to average assets | 2.6288% | 4,642 |
| Loan and lease loss provision to assets | 1.0376% | 383 |
| Net operating income to assets | 1.0048% | 2,476 |
| Return on assets (ROA) | 1.3293% | 1,512 |
| Pretax return on assets | 1.6449% | 1,432 |
| Return on Equity (ROE) | 9.1656% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.0043% | 2,132 |
| Net charge-offs to loans | 0.6806% | 1,626 |
| Credit loss provision to net charge-offs | 248.2639% | 1,116 |
| Earnings coverage of net charge-offs (x) | 5.4601% | 3,017 |
| Efficiency ratio | 53.5313% | 6,300 |
| Assets per employee ($millions) | 4.6147% | 2,727 |
| Cash dividends to net income (ytd only)* | 23.5809% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4010% | 1,359 |
| Loan loss allowance to noncurrent loans | 185.9846% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 4,299 |
| Noncurrent loans to loans | 1.2910% | 3,884 |
| Net loans and leases to total assets | 58.4454% | 4,057 |
| Net loans and leases to deposits | 72.6468% | 3,508 |
| Net loans and leases to core deposits | 76.1378% | 3,708 |
| Total domestic deposits to total assets | 80.4514% | 5,530 |
| Equity capital to assets | 14.9914% | 822 |
| Core capital (leverage) ratio | 13.9411% | 857 |
| Tier 1 risk-based capital ratio | 20.3878% | 1,659 |
| Total risk-based capital ratio | 21.6479% | 1,628 |
| Memoranda: | ||
| Average total assets | $183,757,250 | 3,291 |
| Average earning assets | $166,924,000 | 3,308 |
| Average equity | $26,649,750 | 2,532 |
| Average total loans | $112,838,000 | 3,262 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 670 |
| Cost of funding earning assets | 0.7699% | 3,444 |
| Net interest margin | 4.7658% | 596 |
| Noninterest income to average assets | 0.5265% | 3,744 |
| Noninterest expense to average assets | 2.5845% | 4,830 |
| Loan and lease loss provision to assets | 0.9810% | 453 |
| Net operating income to assets | 1.0568% | 2,218 |
| Return on assets (ROA) | 1.3124% | 1,557 |
| Pretax return on assets | 1.6045% | 1,536 |
| Return on Equity (ROE) | 9.1528% | 2,739 |
| Retained earnings to average equity (ytd only) | 5.8687% | 2,788 |
| Net charge-offs to loans | 0.7112% | 1,557 |
| Credit loss provision to net charge-offs | 222.7723% | 1,274 |
| Earnings coverage of net charge-offs (x) | 5.1634% | 2,891 |
| Efficiency ratio | 53.1972% | 6,397 |
| Assets per employee ($millions) | 4.5482% | 2,817 |
| Cash dividends to net income (ytd only)* | 35.8804% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0220% | 2,171 |
| Loan loss allowance to noncurrent loans | 236.4573% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 4,655 |
| Noncurrent loans to loans | 0.8551% | 4,805 |
| Net loans and leases to total assets | 61.1522% | 3,599 |
| Net loans and leases to deposits | 75.9240% | 3,005 |
| Net loans and leases to core deposits | 79.3123% | 3,319 |
| Total domestic deposits to total assets | 80.5440% | 5,602 |
| Equity capital to assets | 14.7234% | 854 |
| Core capital (leverage) ratio | 13.7562% | 880 |
| Tier 1 risk-based capital ratio | 19.5928% | 1,819 |
| Total risk-based capital ratio | 20.8494% | 1,786 |
| Memoranda: | ||
| Average total assets | $183,481,000 | 3,305 |
| Average earning assets | $166,770,000 | 3,317 |
| Average equity | $26,309,000 | 2,549 |
| Average total loans | $113,605,330 | 3,259 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 653 |
| Cost of funding earning assets | 0.7944% | 3,520 |
| Net interest margin | 4.7830% | 586 |
| Noninterest income to average assets | 0.3864% | 4,777 |
| Noninterest expense to average assets | 2.4336% | 5,359 |
| Loan and lease loss provision to assets | 0.6947% | 757 |
| Net operating income to assets | 1.3264% | 1,382 |
| Return on assets (ROA) | 1.3264% | 1,547 |
| Pretax return on assets | 1.6108% | 1,537 |
| Return on Equity (ROE) | 9.3746% | 2,645 |
| Retained earnings to average equity (ytd only) | 9.3746% | 1,446 |
| Net charge-offs to loans | 0.1654% | 3,097 |
| Credit loss provision to net charge-offs | 680.8511% | 515 |
| Earnings coverage of net charge-offs (x) | 22.5957% | 1,121 |
| Efficiency ratio | 51.3514% | 6,594 |
| Assets per employee ($millions) | 4.7814% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8452% | 2,856 |
| Loan loss allowance to noncurrent loans | 228.8079% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 5,195 |
| Noncurrent loans to loans | 0.8064% | 5,060 |
| Net loans and leases to total assets | 60.6928% | 3,513 |
| Net loans and leases to deposits | 75.0500% | 2,965 |
| Net loans and leases to core deposits | 77.8887% | 3,344 |
| Total domestic deposits to total assets | 80.8698% | 5,643 |
| Equity capital to assets | 14.6363% | 823 |
| Core capital (leverage) ratio | 13.9493% | 817 |
| Tier 1 risk-based capital ratio | 19.6862% | 1,784 |
| Total risk-based capital ratio | 20.9411% | 1,758 |
| Memoranda: | ||
| Average total assets | $184,257,500 | 3,315 |
| Average earning assets | $167,676,500 | 3,323 |
| Average equity | $26,070,500 | 2,565 |
| Average total loans | $113,633,500 | 3,286 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8318% | 601 |
| Cost of funding earning assets | 1.0226% | 3,219 |
| Net interest margin | 4.8092% | 607 |
| Noninterest income to average assets | 0.5450% | 3,546 |
| Noninterest expense to average assets | 2.5992% | 5,099 |
| Loan and lease loss provision to assets | 1.1532% | 777 |
| Net operating income to assets | 0.8768% | 2,709 |
| Return on assets (ROA) | 1.0889% | 1,995 |
| Pretax return on assets | 1.4195% | 1,722 |
| Return on Equity (ROE) | 7.9182% | 2,954 |
| Retained earnings to average equity (ytd only) | 0.2121% | 5,738 |
| Net charge-offs to loans | 1.9477% | 722 |
| Credit loss provision to net charge-offs | 91.9862% | 3,923 |
| Earnings coverage of net charge-offs (x) | 1.8324% | 4,404 |
| Efficiency ratio | 53.0833% | 6,605 |
| Assets per employee ($millions) | 4.5567% | 2,820 |
| Cash dividends to net income (ytd only)* | 97.3214% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 3,724 |
| Loan loss allowance to noncurrent loans | 152.1555% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 4,564 |
| Noncurrent loans to loans | 1.0294% | 4,649 |
| Net loans and leases to total assets | 60.5493% | 3,882 |
| Net loans and leases to deposits | 73.6300% | 3,559 |
| Net loans and leases to core deposits | 75.8965% | 3,993 |
| Total domestic deposits to total assets | 82.2345% | 5,049 |
| Equity capital to assets | 13.6750% | 1,186 |
| Core capital (leverage) ratio | 13.7003% | 900 |
| Tier 1 risk-based capital ratio | 18.7695% | 1,969 |
| Total risk-based capital ratio | 20.0211% | 1,928 |
| Memoranda: | ||
| Average total assets | $185,137,200 | 3,256 |
| Average earning assets | $167,511,200 | 3,290 |
| Average equity | $25,460,200 | 2,529 |
| Average total loans | $119,167,200 | 3,191 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9049% | 555 |
| Cost of funding earning assets | 1.0723% | 3,164 |
| Net interest margin | 4.8326% | 586 |
| Noninterest income to average assets | 0.6092% | 3,109 |
| Noninterest expense to average assets | 2.5949% | 5,095 |
| Loan and lease loss provision to assets | 0.8373% | 1,103 |
| Net operating income to assets | 1.1535% | 1,799 |
| Return on assets (ROA) | 1.2855% | 1,513 |
| Pretax return on assets | 1.7186% | 1,101 |
| Return on Equity (ROE) | 9.3348% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.3348% | 1,032 |
| Net charge-offs to loans | 1.4272% | 1,038 |
| Credit loss provision to net charge-offs | 90.1321% | 3,767 |
| Earnings coverage of net charge-offs (x) | 2.5618% | 3,835 |
| Efficiency ratio | 52.1619% | 6,660 |
| Assets per employee ($millions) | 4.6634% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,764 |
| Loan loss allowance to noncurrent loans | 112.9405% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.5970% | 3,692 |
| Noncurrent loans to loans | 1.3970% | 4,202 |
| Net loans and leases to total assets | 62.1667% | 3,685 |
| Net loans and leases to deposits | 76.8872% | 3,179 |
| Net loans and leases to core deposits | 79.5137% | 3,705 |
| Total domestic deposits to total assets | 80.8544% | 5,478 |
| Equity capital to assets | 14.7131% | 928 |
| Core capital (leverage) ratio | 14.7522% | 715 |
| Tier 1 risk-based capital ratio | 19.7959% | 1,736 |
| Total risk-based capital ratio | 21.0479% | 1,708 |
| Memoranda: | ||
| Average total assets | $184,715,750 | 3,282 |
| Average earning assets | $166,862,250 | 3,304 |
| Average equity | $25,438,250 | 2,532 |
| Average total loans | $120,229,000 | 3,191 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9224% | 553 |
| Cost of funding earning assets | 1.1206% | 3,096 |
| Net interest margin | 4.8018% | 599 |
| Noninterest income to average assets | 0.6159% | 3,028 |
| Noninterest expense to average assets | 2.6256% | 5,088 |
| Loan and lease loss provision to assets | 0.8039% | 1,145 |
| Net operating income to assets | 1.1378% | 1,765 |
| Return on assets (ROA) | 1.2503% | 1,516 |
| Pretax return on assets | 1.6816% | 1,092 |
| Return on Equity (ROE) | 9.2938% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.2938% | 1,013 |
| Net charge-offs to loans | 1.8028% | 774 |
| Credit loss provision to net charge-offs | 67.8277% | 4,119 |
| Earnings coverage of net charge-offs (x) | 1.9688% | 3,878 |
| Efficiency ratio | 52.9463% | 6,718 |
| Assets per employee ($millions) | 4.6818% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,788 |
| Loan loss allowance to noncurrent loans | 95.6700% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.9360% | 3,326 |
| Noncurrent loans to loans | 1.4195% | 4,291 |
| Net loans and leases to total assets | 65.0408% | 3,249 |
| Net loans and leases to deposits | 79.4761% | 2,894 |
| Net loans and leases to core deposits | 81.8761% | 3,514 |
| Total domestic deposits to total assets | 81.8369% | 5,219 |
| Equity capital to assets | 14.0774% | 1,075 |
| Core capital (leverage) ratio | 14.3894% | 786 |
| Tier 1 risk-based capital ratio | 18.9782% | 1,857 |
| Total risk-based capital ratio | 20.1895% | 1,827 |
| Memoranda: | ||
| Average total assets | $184,109,670 | 3,315 |
| Average earning assets | $166,519,330 | 3,328 |
| Average equity | $24,769,330 | 2,583 |
| Average total loans | $121,031,670 | 3,204 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9487% | 531 |
| Cost of funding earning assets | 1.1553% | 3,121 |
| Net interest margin | 4.7934% | 577 |
| Noninterest income to average assets | 0.6859% | 2,651 |
| Noninterest expense to average assets | 2.5834% | 5,284 |
| Loan and lease loss provision to assets | 0.8006% | 1,053 |
| Net operating income to assets | 1.1989% | 1,524 |
| Return on assets (ROA) | 1.2874% | 1,348 |
| Pretax return on assets | 1.7591% | 883 |
| Return on Equity (ROE) | 9.7934% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.7934% | 1,159 |
| Net charge-offs to loans | 2.8809% | 380 |
| Credit loss provision to net charge-offs | 42.3341% | 3,900 |
| Earnings coverage of net charge-offs (x) | 1.2895% | 3,703 |
| Efficiency ratio | 51.4433% | 6,895 |
| Assets per employee ($millions) | 4.7179% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 5,435 |
| Loan loss allowance to noncurrent loans | 85.0258% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9288% | 3,398 |
| Noncurrent loans to loans | 1.4614% | 4,270 |
| Net loans and leases to total assets | 64.0156% | 3,438 |
| Net loans and leases to deposits | 78.6843% | 2,944 |
| Net loans and leases to core deposits | 81.0085% | 3,601 |
| Total domestic deposits to total assets | 81.3575% | 5,547 |
| Equity capital to assets | 13.4686% | 1,198 |
| Core capital (leverage) ratio | 13.5640% | 947 |
| Tier 1 risk-based capital ratio | 18.7472% | 1,885 |
| Total risk-based capital ratio | 19.8559% | 1,878 |
| Memoranda: | ||
| Average total assets | $184,869,500 | 3,323 |
| Average earning assets | $167,231,000 | 3,341 |
| Average equity | $24,302,000 | 2,616 |
| Average total loans | $121,351,000 | 3,231 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1122% | 683 |
| Cost of funding earning assets | 1.3442% | 3,619 |
| Net interest margin | 4.7680% | 707 |
| Noninterest income to average assets | 0.5241% | 3,993 |
| Noninterest expense to average assets | 2.6017% | 5,404 |
| Loan and lease loss provision to assets | 0.7494% | 2,189 |
| Net operating income to assets | 1.1570% | 1,520 |
| Return on assets (ROA) | 1.2905% | 1,257 |
| Pretax return on assets | 1.6931% | 958 |
| Return on Equity (ROE) | 9.4014% | 2,145 |
| Retained earnings to average equity (ytd only) | 2.1043% | 4,409 |
| Net charge-offs to loans | 0.6301% | 3,134 |
| Credit loss provision to net charge-offs | 176.7742% | 1,885 |
| Earnings coverage of net charge-offs (x) | 5.3471% | 2,650 |
| Efficiency ratio | 53.4382% | 6,854 |
| Assets per employee ($millions) | 4.8879% | 2,307 |
| Cash dividends to net income (ytd only)* | 77.6176% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 3,539 |
| Loan loss allowance to noncurrent loans | 82.7845% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.4849% | 4,086 |
| Noncurrent loans to loans | 1.9436% | 3,642 |
| Net loans and leases to total assets | 65.3849% | 3,582 |
| Net loans and leases to deposits | 79.7094% | 3,222 |
| Net loans and leases to core deposits | 82.7751% | 3,780 |
| Total domestic deposits to total assets | 82.0292% | 5,176 |
| Equity capital to assets | 12.8255% | 1,479 |
| Core capital (leverage) ratio | 13.2313% | 1,054 |
| Tier 1 risk-based capital ratio | 18.1358% | 1,956 |
| Total risk-based capital ratio | 19.3886% | 1,922 |
| Memoranda: | ||
| Average total assets | $182,803,600 | 3,333 |
| Average earning assets | $166,567,800 | 3,342 |
| Average equity | $25,092,000 | 2,543 |
| Average total loans | $122,989,200 | 3,256 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1049% | 753 |
| Cost of funding earning assets | 1.3849% | 3,668 |
| Net interest margin | 4.7199% | 802 |
| Noninterest income to average assets | 0.4218% | 4,787 |
| Noninterest expense to average assets | 2.6151% | 5,264 |
| Loan and lease loss provision to assets | 0.5822% | 2,604 |
| Net operating income to assets | 1.1641% | 1,694 |
| Return on assets (ROA) | 1.2932% | 1,428 |
| Pretax return on assets | 1.6946% | 1,123 |
| Return on Equity (ROE) | 9.2667% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.2667% | 972 |
| Net charge-offs to loans | 0.4622% | 3,439 |
| Credit loss provision to net charge-offs | 186.6197% | 1,934 |
| Earnings coverage of net charge-offs (x) | 6.7535% | 2,458 |
| Efficiency ratio | 55.3815% | 6,636 |
| Assets per employee ($millions) | 4.9353% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 4,305 |
| Loan loss allowance to noncurrent loans | 78.1528% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.4036% | 4,348 |
| Noncurrent loans to loans | 1.8311% | 3,892 |
| Net loans and leases to total assets | 66.3887% | 3,598 |
| Net loans and leases to deposits | 83.5515% | 2,784 |
| Net loans and leases to core deposits | 86.6912% | 3,558 |
| Total domestic deposits to total assets | 79.4584% | 5,882 |
| Equity capital to assets | 14.6907% | 970 |
| Core capital (leverage) ratio | 14.0565% | 909 |
| Tier 1 risk-based capital ratio | 21.2488% | 1,321 |
| Total risk-based capital ratio | 22.5012% | 1,297 |
| Memoranda: | ||
| Average total assets | $182,069,500 | 3,394 |
| Average earning assets | $165,874,750 | 3,392 |
| Average equity | $25,409,500 | 2,552 |
| Average total loans | $122,878,500 | 3,311 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0821% | 785 |
| Cost of funding earning assets | 1.4103% | 3,810 |
| Net interest margin | 4.6719% | 863 |
| Noninterest income to average assets | 0.4860% | 4,224 |
| Noninterest expense to average assets | 2.6818% | 4,988 |
| Loan and lease loss provision to assets | 0.5223% | 2,700 |
| Net operating income to assets | 1.1725% | 1,638 |
| Return on assets (ROA) | 1.2678% | 1,451 |
| Pretax return on assets | 1.6581% | 1,149 |
| Return on Equity (ROE) | 9.2472% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.2472% | 1,035 |
| Net charge-offs to loans | 0.3468% | 3,613 |
| Credit loss provision to net charge-offs | 223.0047% | 1,745 |
| Earnings coverage of net charge-offs (x) | 8.7746% | 2,101 |
| Efficiency ratio | 56.6156% | 6,557 |
| Assets per employee ($millions) | 4.7576% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 4,689 |
| Loan loss allowance to noncurrent loans | 61.5184% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.9365% | 3,569 |
| Noncurrent loans to loans | 2.1917% | 3,491 |
| Net loans and leases to total assets | 66.9005% | 3,636 |
| Net loans and leases to deposits | 83.0698% | 3,059 |
| Net loans and leases to core deposits | 85.5645% | 3,896 |
| Total domestic deposits to total assets | 80.5352% | 5,550 |
| Equity capital to assets | 13.9611% | 1,170 |
| Core capital (leverage) ratio | 14.0757% | 911 |
| Tier 1 risk-based capital ratio | 18.9064% | 1,743 |
| Total risk-based capital ratio | 20.1519% | 1,713 |
| Memoranda: | ||
| Average total assets | $181,891,000 | 3,417 |
| Average earning assets | $165,501,000 | 3,420 |
| Average equity | $24,937,330 | 2,598 |
| Average total loans | $122,841,670 | 3,347 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0700% | 835 |
| Cost of funding earning assets | 1.4343% | 3,965 |
| Net interest margin | 4.6357% | 898 |
| Noninterest income to average assets | 0.4582% | 4,392 |
| Noninterest expense to average assets | 2.6397% | 5,185 |
| Loan and lease loss provision to assets | 0.3289% | 3,426 |
| Net operating income to assets | 1.3023% | 1,294 |
| Return on assets (ROA) | 1.3023% | 1,363 |
| Pretax return on assets | 1.7057% | 1,049 |
| Return on Equity (ROE) | 9.5861% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.5861% | 1,242 |
| Net charge-offs to loans | 0.4001% | 2,844 |
| Credit loss provision to net charge-offs | 121.9512% | 2,869 |
| Earnings coverage of net charge-offs (x) | 7.5447% | 2,074 |
| Efficiency ratio | 56.4728% | 6,703 |
| Assets per employee ($millions) | 4.5666% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,714 |
| Loan loss allowance to noncurrent loans | 52.6355% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.1387% | 3,337 |
| Noncurrent loans to loans | 2.2043% | 3,520 |
| Net loans and leases to total assets | 67.8276% | 3,434 |
| Net loans and leases to deposits | 84.5215% | 2,848 |
| Net loans and leases to core deposits | 86.7728% | 3,793 |
| Total domestic deposits to total assets | 80.2490% | 5,703 |
| Equity capital to assets | 14.0126% | 1,137 |
| Core capital (leverage) ratio | 13.4358% | 1,098 |
| Tier 1 risk-based capital ratio | 18.4952% | 1,835 |
| Total risk-based capital ratio | 19.5643% | 1,836 |
| Memoranda: | ||
| Average total assets | $182,442,500 | 3,465 |
| Average earning assets | $165,931,000 | 3,466 |
| Average equity | $24,786,000 | 2,629 |
| Average total loans | $122,962,000 | 3,406 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3189% | 990 |
| Cost of funding earning assets | 1.7336% | 4,342 |
| Net interest margin | 4.5853% | 1,010 |
| Noninterest income to average assets | 0.6051% | 3,590 |
| Noninterest expense to average assets | 2.7376% | 5,204 |
| Loan and lease loss provision to assets | 0.4199% | 4,306 |
| Net operating income to assets | 1.2150% | 1,210 |
| Return on assets (ROA) | 1.2732% | 1,148 |
| Pretax return on assets | 1.6920% | 795 |
| Return on Equity (ROE) | 9.4528% | 1,872 |
| Retained earnings to average equity (ytd only) | 2.5009% | 3,391 |
| Net charge-offs to loans | 0.4815% | 3,847 |
| Credit loss provision to net charge-offs | 126.7677% | 4,105 |
| Earnings coverage of net charge-offs (x) | 6.1414% | 2,430 |
| Efficiency ratio | 57.3682% | 6,854 |
| Assets per employee ($millions) | 4.5558% | 2,825 |
| Cash dividends to net income (ytd only)* | 73.5436% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,782 |
| Loan loss allowance to noncurrent loans | 64.4578% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 3,661 |
| Noncurrent loans to loans | 1.7444% | 4,021 |
| Net loans and leases to total assets | 65.4839% | 4,283 |
| Net loans and leases to deposits | 80.3933% | 3,919 |
| Net loans and leases to core deposits | 92.6356% | 4,817 |
| Total domestic deposits to total assets | 81.4544% | 5,173 |
| Equity capital to assets | 13.1786% | 1,440 |
| Core capital (leverage) ratio | 13.4646% | 1,101 |
| Tier 1 risk-based capital ratio | 17.8972% | 1,917 |
| Total risk-based capital ratio | 18.9372% | 1,931 |
| Memoranda: | ||
| Average total assets | $179,315,200 | 3,453 |
| Average earning assets | $162,955,800 | 3,466 |
| Average equity | $24,151,600 | 2,702 |
| Average total loans | $123,357,600 | 3,413 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3794% | 963 |
| Cost of funding earning assets | 1.7962% | 4,401 |
| Net interest margin | 4.5831% | 1,015 |
| Noninterest income to average assets | 0.5981% | 3,728 |
| Noninterest expense to average assets | 2.7576% | 5,076 |
| Loan and lease loss provision to assets | 0.3253% | 4,380 |
| Net operating income to assets | 1.2412% | 1,369 |
| Return on assets (ROA) | 1.3157% | 1,257 |
| Pretax return on assets | 1.7800% | 838 |
| Return on Equity (ROE) | 9.7132% | 2,028 |
| Retained earnings to average equity (ytd only) | 9.7132% | 687 |
| Net charge-offs to loans | 0.4402% | 3,483 |
| Credit loss provision to net charge-offs | 106.3882% | 4,782 |
| Earnings coverage of net charge-offs (x) | 6.5553% | 2,583 |
| Efficiency ratio | 57.9047% | 6,726 |
| Assets per employee ($millions) | 4.3418% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,190 |
| Loan loss allowance to noncurrent loans | 41.1246% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 2.4498% | 2,808 |
| Noncurrent loans to loans | 2.4679% | 3,053 |
| Net loans and leases to total assets | 68.9228% | 3,732 |
| Net loans and leases to deposits | 86.2214% | 3,269 |
| Net loans and leases to core deposits | 100.1224% | 4,359 |
| Total domestic deposits to total assets | 79.9371% | 5,454 |
| Equity capital to assets | 14.2915% | 1,207 |
| Core capital (leverage) ratio | 14.1226% | 1,060 |
| Tier 1 risk-based capital ratio | 18.9680% | 1,754 |
| Total risk-based capital ratio | 19.9192% | 1,784 |
| Memoranda: | ||
| Average total assets | $177,447,000 | 3,502 |
| Average earning assets | $161,224,500 | 3,527 |
| Average equity | $24,035,500 | 2,751 |
| Average total loans | $123,270,250 | 3,440 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4050% | 1,002 |
| Cost of funding earning assets | 1.8463% | 4,529 |
| Net interest margin | 4.5587% | 1,039 |
| Noninterest income to average assets | 0.5957% | 3,733 |
| Noninterest expense to average assets | 2.7621% | 5,122 |
| Loan and lease loss provision to assets | 0.2539% | 4,543 |
| Net operating income to assets | 1.2616% | 1,327 |
| Return on assets (ROA) | 1.2987% | 1,316 |
| Pretax return on assets | 1.7703% | 895 |
| Return on Equity (ROE) | 9.7679% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.7679% | 773 |
| Net charge-offs to loans | 0.3316% | 3,526 |
| Credit loss provision to net charge-offs | 110.2941% | 4,200 |
| Earnings coverage of net charge-offs (x) | 8.5735% | 2,238 |
| Efficiency ratio | 58.3274% | 6,807 |
| Assets per employee ($millions) | 4.2965% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,182 |
| Loan loss allowance to noncurrent loans | 42.4746% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 2.0788% | 3,087 |
| Noncurrent loans to loans | 2.3716% | 3,050 |
| Net loans and leases to total assets | 69.9005% | 3,725 |
| Net loans and leases to deposits | 86.6842% | 3,423 |
| Net loans and leases to core deposits | 99.8006% | 4,528 |
| Total domestic deposits to total assets | 80.6382% | 5,215 |
| Equity capital to assets | 13.6901% | 1,425 |
| Core capital (leverage) ratio | 14.1553% | 1,104 |
| Tier 1 risk-based capital ratio | 18.8141% | 1,812 |
| Total risk-based capital ratio | 19.7770% | 1,825 |
| Memoranda: | ||
| Average total assets | $177,257,670 | 3,521 |
| Average earning assets | $160,967,330 | 3,540 |
| Average equity | $23,567,000 | 2,803 |
| Average total loans | $123,043,330 | 3,472 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3789% | 1,113 |
| Cost of funding earning assets | 1.9119% | 4,570 |
| Net interest margin | 4.4670% | 1,197 |
| Noninterest income to average assets | 0.4882% | 4,423 |
| Noninterest expense to average assets | 2.6298% | 5,321 |
| Loan and lease loss provision to assets | 0.2025% | 4,420 |
| Net operating income to assets | 1.2415% | 1,533 |
| Return on assets (ROA) | 1.2710% | 1,553 |
| Pretax return on assets | 1.7434% | 1,093 |
| Return on Equity (ROE) | 9.7027% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.7027% | 1,275 |
| Net charge-offs to loans | 0.5099% | 2,186 |
| Credit loss provision to net charge-offs | 57.6923% | 4,555 |
| Earnings coverage of net charge-offs (x) | 5.4295% | 2,678 |
| Efficiency ratio | 57.9861% | 6,703 |
| Assets per employee ($millions) | 4.2687% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,470 |
| Loan loss allowance to noncurrent loans | 43.3457% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 1.9238% | 3,021 |
| Noncurrent loans to loans | 2.2008% | 2,973 |
| Net loans and leases to total assets | 69.1724% | 3,878 |
| Net loans and leases to deposits | 85.6318% | 3,700 |
| Net loans and leases to core deposits | 98.5406% | 4,689 |
| Total domestic deposits to total assets | 80.7788% | 5,050 |
| Equity capital to assets | 13.5308% | 1,523 |
| Core capital (leverage) ratio | 13.5845% | 1,302 |
| Tier 1 risk-based capital ratio | 18.6018% | 1,907 |
| Total risk-based capital ratio | 19.5094% | 1,947 |
| Memoranda: | ||
| Average total assets | $177,808,500 | 3,548 |
| Average earning assets | $161,093,000 | 3,552 |
| Average equity | $23,292,500 | 2,844 |
| Average total loans | $122,371,500 | 3,508 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2406% | 674 |
| Cost of funding earning assets | 2.6889% | 3,215 |
| Net interest margin | 4.5517% | 1,309 |
| Noninterest income to average assets | 0.5902% | 3,913 |
| Noninterest expense to average assets | 2.6495% | 5,447 |
| Loan and lease loss provision to assets | 0.3071% | 3,915 |
| Net operating income to assets | 1.2985% | 1,488 |
| Return on assets (ROA) | 1.3015% | 1,428 |
| Pretax return on assets | 1.7407% | 1,062 |
| Return on Equity (ROE) | 9.8108% | 2,328 |
| Retained earnings to average equity (ytd only) | 3.2111% | 3,152 |
| Net charge-offs to loans | 0.3727% | 2,976 |
| Credit loss provision to net charge-offs | 117.0678% | 4,606 |
| Earnings coverage of net charge-offs (x) | 7.7899% | 3,023 |
| Efficiency ratio | 56.4526% | 6,948 |
| Assets per employee ($millions) | 4.4049% | 2,783 |
| Cash dividends to net income (ytd only)* | 67.2695% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 5,987 |
| Loan loss allowance to noncurrent loans | 60.5405% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 3,179 |
| Noncurrent loans to loans | 1.6610% | 3,279 |
| Net loans and leases to total assets | 67.1548% | 4,608 |
| Net loans and leases to deposits | 81.8832% | 4,748 |
| Net loans and leases to core deposits | 95.5180% | 5,297 |
| Total domestic deposits to total assets | 82.0129% | 4,196 |
| Equity capital to assets | 12.6820% | 1,930 |
| Core capital (leverage) ratio | 13.6048% | 1,359 |
| Tier 1 risk-based capital ratio | 18.1530% | 2,004 |
| Total risk-based capital ratio | 19.1115% | 2,010 |
| Memoranda: | ||
| Average total assets | $174,185,200 | 3,491 |
| Average earning assets | $157,016,600 | 3,529 |
| Average equity | $23,107,200 | 2,839 |
| Average total loans | $122,619,600 | 3,410 |