Home > The First National Bank of Waverly > Performance and Condition Ratios
The First National Bank of Waverly, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0292% | 4,517 |
| Cost of funding earning assets | 0.8212% | 3,677 |
| Net interest margin | 2.2080% | 4,312 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.1414% | 3,287 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2808% | 4,057 |
| Return on assets (ROA) | 0.2808% | 4,056 |
| Pretax return on assets | 0.3183% | 4,073 |
| Return on Equity (ROE) | 4.2600% | 3,850 |
| Retained earnings to average equity (ytd only) | -1.9341% | 4,265 |
| Net charge-offs to loans | 0.0921% | 964 |
| Credit loss provision to net charge-offs | 88.8889% | 1,958 |
| Earnings coverage of net charge-offs (x) | 8.9667% | 2,321 |
| Efficiency ratio | 85.7345% | 576 |
| Assets per employee ($millions) | 5.9577% | 2,858 |
| Cash dividends to net income (ytd only)* | 145.4403% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 4,245 |
| Loan loss allowance to noncurrent loans | 86.9253% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 1,646 |
| Noncurrent loans to loans | 0.6920% | 1,134 |
| Net loans and leases to total assets | 44.1600% | 3,896 |
| Net loans and leases to deposits | 60.4847% | 3,494 |
| Net loans and leases to core deposits | 66.4257% | 3,478 |
| Total domestic deposits to total assets | 73.0100% | 4,166 |
| Equity capital to assets | 6.5157% | 4,107 |
| Core capital (leverage) ratio | 6.5109% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0272% | 1,270 |
| Memoranda: | ||
| Average total assets | $226,486,800 | 2,803 |
| Average earning assets | $211,145,400 | 2,797 |
| Average equity | $14,942,200 | 3,270 |
| Average total loans | $97,678,000 | 3,201 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9863% | 4,532 |
| Cost of funding earning assets | 0.6732% | 3,824 |
| Net interest margin | 2.3131% | 4,298 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.1385% | 3,240 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.3567% | 4,035 |
| Return on assets (ROA) | 0.3567% | 4,040 |
| Pretax return on assets | 0.4050% | 4,055 |
| Return on Equity (ROE) | 5.3900% | 3,750 |
| Retained earnings to average equity (ytd only) | -1.0585% | 4,258 |
| Net charge-offs to loans | 0.1169% | 689 |
| Credit loss provision to net charge-offs | 94.1176% | 1,670 |
| Earnings coverage of net charge-offs (x) | 9.0941% | 2,175 |
| Efficiency ratio | 82.4557% | 702 |
| Assets per employee ($millions) | 5.9903% | 2,769 |
| Cash dividends to net income (ytd only)* | 119.6370% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 4,250 |
| Loan loss allowance to noncurrent loans | 108.5409% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 2,018 |
| Noncurrent loans to loans | 0.5643% | 1,421 |
| Net loans and leases to total assets | 43.4800% | 3,934 |
| Net loans and leases to deposits | 58.3804% | 3,590 |
| Net loans and leases to core deposits | 59.9381% | 3,710 |
| Total domestic deposits to total assets | 74.4800% | 4,128 |
| Equity capital to assets | 6.5549% | 3,810 |
| Core capital (leverage) ratio | 6.5562% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3131% | 1,241 |
| Memoranda: | ||
| Average total assets | $226,510,500 | 2,815 |
| Average earning assets | $211,136,000 | 2,808 |
| Average equity | $14,990,000 | 3,257 |
| Average total loans | $96,951,250 | 3,212 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9354% | 4,561 |
| Cost of funding earning assets | 0.5649% | 3,843 |
| Net interest margin | 2.3705% | 4,325 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.1518% | 3,211 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.3661% | 4,060 |
| Return on assets (ROA) | 0.3661% | 4,080 |
| Pretax return on assets | 0.4166% | 4,093 |
| Return on Equity (ROE) | 5.5200% | 3,794 |
| Retained earnings to average equity (ytd only) | -1.1457% | 4,231 |
| Net charge-offs to loans | 0.1686% | 470 |
| Credit loss provision to net charge-offs | 98.7654% | 1,466 |
| Earnings coverage of net charge-offs (x) | 6.8519% | 2,107 |
| Efficiency ratio | 81.4257% | 751 |
| Assets per employee ($millions) | 5.8228% | 2,864 |
| Cash dividends to net income (ytd only)* | 120.7729% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6206% | 4,276 |
| Loan loss allowance to noncurrent loans | 98.5554% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 1,831 |
| Noncurrent loans to loans | 0.6297% | 1,188 |
| Net loans and leases to total assets | 43.3000% | 3,909 |
| Net loans and leases to deposits | 55.7607% | 3,662 |
| Net loans and leases to core deposits | 56.9245% | 3,774 |
| Total domestic deposits to total assets | 77.6500% | 3,883 |
| Equity capital to assets | 6.5851% | 3,958 |
| Core capital (leverage) ratio | 6.6012% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3883% | 1,242 |
| Memoranda: | ||
| Average total assets | $226,137,333 | 2,828 |
| Average earning assets | $210,671,000 | 2,822 |
| Average equity | $15,013,000 | 3,267 |
| Average total loans | $96,072,667 | 3,218 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8435% | 4,593 |
| Cost of funding earning assets | 0.5618% | 3,495 |
| Net interest margin | 2.2817% | 4,458 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.1182% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3793% | 4,119 |
| Return on assets (ROA) | 0.3793% | 4,068 |
| Pretax return on assets | 0.4325% | 4,081 |
| Return on Equity (ROE) | 5.6900% | 3,777 |
| Retained earnings to average equity (ytd only) | -0.9573% | 4,121 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.1594% | 636 |
| Assets per employee ($millions) | 5.9707% | 2,786 |
| Cash dividends to net income (ytd only)* | 116.8224% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 4,314 |
| Loan loss allowance to noncurrent loans | 90.0439% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 1,660 |
| Noncurrent loans to loans | 0.7149% | 1,061 |
| Net loans and leases to total assets | 41.8400% | 3,959 |
| Net loans and leases to deposits | 50.1410% | 3,882 |
| Net loans and leases to core deposits | 51.1143% | 3,951 |
| Total domestic deposits to total assets | 83.4400% | 3,214 |
| Equity capital to assets | 6.6130% | 3,994 |
| Core capital (leverage) ratio | 6.6375% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5680% | 1,246 |
| Memoranda: | ||
| Average total assets | $225,661,000 | 2,871 |
| Average earning assets | $210,021,500 | 2,859 |
| Average equity | $15,042,500 | 3,302 |
| Average total loans | $94,640,000 | 3,272 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7687% | 4,353 |
| Cost of funding earning assets | 0.1658% | 4,025 |
| Net interest margin | 2.6029% | 4,168 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.2322% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5334% | 4,027 |
| Return on assets (ROA) | 0.5334% | 3,983 |
| Pretax return on assets | 0.6421% | 3,958 |
| Return on Equity (ROE) | 7.7000% | 3,463 |
| Retained earnings to average equity (ytd only) | 1.0274% | 4,191 |
| Net charge-offs to loans | -0.0045% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.6616% | 872 |
| Assets per employee ($millions) | 5.9062% | 2,845 |
| Cash dividends to net income (ytd only)* | 86.6551% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6241% | 4,312 |
| Loan loss allowance to noncurrent loans | 73.0337% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 1,435 |
| Noncurrent loans to loans | 0.8545% | 873 |
| Net loans and leases to total assets | 41.5100% | 4,004 |
| Net loans and leases to deposits | 50.4200% | 3,878 |
| Net loans and leases to core deposits | 51.6229% | 3,919 |
| Total domestic deposits to total assets | 82.3200% | 3,564 |
| Equity capital to assets | 6.7195% | 3,804 |
| Core capital (leverage) ratio | 6.8014% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8631% | 1,150 |
| Memoranda: | ||
| Average total assets | $216,332,800 | 2,935 |
| Average earning assets | $200,889,000 | 2,926 |
| Average equity | $14,989,600 | 3,370 |
| Average total loans | $88,375,600 | 3,307 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7211% | 4,279 |
| Cost of funding earning assets | 0.1072% | 4,224 |
| Net interest margin | 2.6139% | 4,079 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.2198% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5550% | 3,956 |
| Return on assets (ROA) | 0.5550% | 3,898 |
| Pretax return on assets | 0.6694% | 3,857 |
| Return on Equity (ROE) | 7.9500% | 3,351 |
| Retained earnings to average equity (ytd only) | 1.2650% | 4,181 |
| Net charge-offs to loans | -0.0031% | 3,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.8303% | 1,010 |
| Assets per employee ($millions) | 5.9661% | 2,795 |
| Cash dividends to net income (ytd only)* | 84.0807% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6474% | 4,335 |
| Loan loss allowance to noncurrent loans | 65.4321% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 1,343 |
| Noncurrent loans to loans | 0.9895% | 784 |
| Net loans and leases to total assets | 40.5300% | 4,050 |
| Net loans and leases to deposits | 44.6985% | 4,086 |
| Net loans and leases to core deposits | 45.8447% | 4,119 |
| Total domestic deposits to total assets | 90.6700% | 1,376 |
| Equity capital to assets | 6.8264% | 3,603 |
| Core capital (leverage) ratio | 6.7715% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2070% | 1,140 |
| Memoranda: | ||
| Average total assets | $214,307,250 | 2,973 |
| Average earning assets | $198,932,500 | 2,961 |
| Average equity | $14,966,750 | 3,408 |
| Average total loans | $87,035,250 | 3,332 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6669% | 4,189 |
| Cost of funding earning assets | 0.1068% | 4,118 |
| Net interest margin | 2.5601% | 3,978 |
| Noninterest income to average assets | 0.4638% | 2,376 |
| Noninterest expense to average assets | 2.2360% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5015% | 3,889 |
| Return on assets (ROA) | 0.5015% | 3,843 |
| Pretax return on assets | 0.6014% | 3,817 |
| Return on Equity (ROE) | 7.1253% | 3,282 |
| Retained earnings to average equity (ytd only) | 0.4286% | 4,104 |
| Net charge-offs to loans | -0.0046% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8040% | 1,031 |
| Assets per employee ($millions) | 5.5778% | 3,144 |
| Cash dividends to net income (ytd only)* | 93.9850% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 4,375 |
| Loan loss allowance to noncurrent loans | 51.6386% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 1,100 |
| Noncurrent loans to loans | 1.3074% | 602 |
| Net loans and leases to total assets | 39.4293% | 4,102 |
| Net loans and leases to deposits | 43.5049% | 4,129 |
| Net loans and leases to core deposits | 44.6311% | 4,171 |
| Total domestic deposits to total assets | 90.6319% | 1,407 |
| Equity capital to assets | 6.8766% | 3,832 |
| Core capital (leverage) ratio | 6.8741% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5297% | 1,067 |
| Memoranda: | ||
| Average total assets | $212,160,667 | 3,013 |
| Average earning assets | $196,707,333 | 3,015 |
| Average equity | $14,932,667 | 3,498 |
| Average total loans | $86,031,000 | 3,379 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6293% | 4,071 |
| Cost of funding earning assets | 0.1051% | 4,067 |
| Net interest margin | 2.5242% | 3,850 |
| Noninterest income to average assets | 0.4526% | 2,386 |
| Noninterest expense to average assets | 2.2571% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4487% | 3,847 |
| Return on assets (ROA) | 0.4487% | 3,812 |
| Pretax return on assets | 0.5347% | 3,800 |
| Return on Equity (ROE) | 6.3005% | 3,250 |
| Retained earnings to average equity (ytd only) | -0.4022% | 4,072 |
| Net charge-offs to loans | -0.0047% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8482% | 1,084 |
| Assets per employee ($millions) | 5.6196% | 3,216 |
| Cash dividends to net income (ytd only)* | 106.3830% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 4,422 |
| Loan loss allowance to noncurrent loans | 61.4572% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 1,409 |
| Noncurrent loans to loans | 1.1069% | 810 |
| Net loans and leases to total assets | 38.7699% | 4,078 |
| Net loans and leases to deposits | 42.7352% | 4,130 |
| Net loans and leases to core deposits | 43.8320% | 4,168 |
| Total domestic deposits to total assets | 90.7211% | 1,169 |
| Equity capital to assets | 6.8040% | 4,295 |
| Core capital (leverage) ratio | 7.0908% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3282% | 1,182 |
| Memoranda: | ||
| Average total assets | $209,473,000 | 3,045 |
| Average earning assets | $194,121,000 | 3,050 |
| Average equity | $14,919,500 | 3,569 |
| Average total loans | $85,868,500 | 3,388 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9437% | 3,975 |
| Cost of funding earning assets | 0.1497% | 3,983 |
| Net interest margin | 2.7940% | 3,677 |
| Noninterest income to average assets | 0.4526% | 2,803 |
| Noninterest expense to average assets | 2.3799% | 2,552 |
| Loan and lease loss provision to assets | -0.2068% | 4,710 |
| Net operating income to assets | 0.7093% | 3,602 |
| Return on assets (ROA) | 0.7093% | 3,655 |
| Pretax return on assets | 0.8496% | 3,625 |
| Return on Equity (ROE) | 9.2265% | 2,815 |
| Retained earnings to average equity (ytd only) | 2.4671% | 3,838 |
| Net charge-offs to loans | -0.4282% | 4,775 |
| Credit loss provision to net charge-offs | 108.7432% | 1,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7347% | 888 |
| Assets per employee ($millions) | 5.1226% | 3,625 |
| Cash dividends to net income (ytd only)* | 73.2601% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 4,468 |
| Loan loss allowance to noncurrent loans | 64.0573% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 1,454 |
| Noncurrent loans to loans | 1.0524% | 929 |
| Net loans and leases to total assets | 42.8489% | 3,922 |
| Net loans and leases to deposits | 47.6884% | 4,014 |
| Net loans and leases to core deposits | 49.0477% | 4,052 |
| Total domestic deposits to total assets | 89.8519% | 1,028 |
| Equity capital to assets | 7.4717% | 4,601 |
| Core capital (leverage) ratio | 7.4428% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1107% | 1,022 |
| Memoranda: | ||
| Average total assets | $192,445,200 | 3,118 |
| Average earning assets | $177,020,600 | 3,115 |
| Average equity | $14,794,400 | 3,659 |
| Average total loans | $85,474,800 | 3,397 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9840% | 4,035 |
| Cost of funding earning assets | 0.1569% | 4,044 |
| Net interest margin | 2.8271% | 3,713 |
| Noninterest income to average assets | 0.4673% | 2,763 |
| Noninterest expense to average assets | 2.3601% | 2,564 |
| Loan and lease loss provision to assets | -0.2786% | 4,820 |
| Net operating income to assets | 0.8226% | 3,463 |
| Return on assets (ROA) | 0.8226% | 3,535 |
| Pretax return on assets | 0.9828% | 3,512 |
| Return on Equity (ROE) | 10.6221% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.8478% | 3,624 |
| Net charge-offs to loans | -0.7753% | 4,860 |
| Credit loss provision to net charge-offs | 80.2419% | 1,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0144% | 956 |
| Assets per employee ($millions) | 5.2524% | 3,451 |
| Cash dividends to net income (ytd only)* | 63.7755% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 4,315 |
| Loan loss allowance to noncurrent loans | 75.9615% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4690% | 1,617 |
| Noncurrent loans to loans | 1.0834% | 1,042 |
| Net loans and leases to total assets | 42.9298% | 4,029 |
| Net loans and leases to deposits | 47.7923% | 4,130 |
| Net loans and leases to core deposits | 49.1564% | 4,181 |
| Total domestic deposits to total assets | 89.8257% | 853 |
| Equity capital to assets | 7.5094% | 4,702 |
| Core capital (leverage) ratio | 7.4031% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5831% | 1,029 |
| Memoranda: | ||
| Average total assets | $190,611,250 | 3,165 |
| Average earning assets | $175,108,500 | 3,166 |
| Average equity | $14,761,250 | 3,708 |
| Average total loans | $85,297,250 | 3,444 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 4,032 |
| Cost of funding earning assets | 0.1534% | 4,180 |
| Net interest margin | 2.8546% | 3,670 |
| Noninterest income to average assets | 0.4765% | 2,729 |
| Noninterest expense to average assets | 2.3868% | 2,505 |
| Loan and lease loss provision to assets | -0.4243% | 4,891 |
| Net operating income to assets | 0.9455% | 3,071 |
| Return on assets (ROA) | 0.9455% | 3,158 |
| Pretax return on assets | 1.1321% | 3,108 |
| Return on Equity (ROE) | 12.0798% | 2,024 |
| Retained earnings to average equity (ytd only) | 5.2704% | 3,089 |
| Net charge-offs to loans | -1.1562% | 4,901 |
| Credit loss provision to net charge-offs | 81.0591% | 1,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1271% | 979 |
| Assets per employee ($millions) | 4.9016% | 3,746 |
| Cash dividends to net income (ytd only)* | 56.3698% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 4,323 |
| Loan loss allowance to noncurrent loans | 66.8561% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 1,543 |
| Noncurrent loans to loans | 1.2399% | 964 |
| Net loans and leases to total assets | 43.0792% | 4,106 |
| Net loans and leases to deposits | 48.0630% | 4,212 |
| Net loans and leases to core deposits | 49.4920% | 4,254 |
| Total domestic deposits to total assets | 89.6308% | 957 |
| Equity capital to assets | 7.6246% | 4,699 |
| Core capital (leverage) ratio | 7.7306% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5437% | 1,025 |
| Memoranda: | ||
| Average total assets | $187,618,000 | 3,190 |
| Average earning assets | $172,073,333 | 3,200 |
| Average equity | $14,685,667 | 3,722 |
| Average total loans | $84,931,333 | 3,469 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9292% | 4,214 |
| Cost of funding earning assets | 0.1572% | 4,256 |
| Net interest margin | 2.7720% | 3,825 |
| Noninterest income to average assets | 0.4777% | 2,715 |
| Noninterest expense to average assets | 2.4363% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5104% | 4,155 |
| Return on assets (ROA) | 0.5104% | 4,190 |
| Pretax return on assets | 0.5802% | 4,219 |
| Return on Equity (ROE) | 6.4312% | 3,743 |
| Retained earnings to average equity (ytd only) | -0.4397% | 4,402 |
| Net charge-offs to loans | -0.0755% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7664% | 773 |
| Assets per employee ($millions) | 5.1466% | 3,491 |
| Cash dividends to net income (ytd only)* | 106.8376% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 4,500 |
| Loan loss allowance to noncurrent loans | 41.5456% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 1,133 |
| Noncurrent loans to loans | 1.7885% | 653 |
| Net loans and leases to total assets | 44.1254% | 4,104 |
| Net loans and leases to deposits | 49.3264% | 4,205 |
| Net loans and leases to core deposits | 50.8404% | 4,252 |
| Total domestic deposits to total assets | 89.4561% | 1,092 |
| Equity capital to assets | 7.6388% | 4,659 |
| Core capital (leverage) ratio | 7.9655% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1593% | 1,044 |
| Memoranda: | ||
| Average total assets | $183,396,000 | 3,219 |
| Average earning assets | $167,964,000 | 3,231 |
| Average equity | $14,554,000 | 3,739 |
| Average total loans | $84,813,000 | 3,482 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5593% | 3,910 |
| Cost of funding earning assets | 0.2310% | 4,459 |
| Net interest margin | 3.3284% | 2,992 |
| Noninterest income to average assets | 0.7622% | 1,647 |
| Noninterest expense to average assets | 2.9768% | 1,487 |
| Loan and lease loss provision to assets | -0.0485% | 4,934 |
| Net operating income to assets | 0.7295% | 3,337 |
| Return on assets (ROA) | 0.7295% | 3,459 |
| Pretax return on assets | 0.8490% | 3,506 |
| Return on Equity (ROE) | 8.3678% | 2,667 |
| Retained earnings to average equity (ytd only) | 1.4120% | 4,063 |
| Net charge-offs to loans | -0.0743% | 4,747 |
| Credit loss provision to net charge-offs | 126.9841% | 2,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8088% | 974 |
| Assets per employee ($millions) | 5.1873% | 3,180 |
| Cash dividends to net income (ytd only)* | 83.1255% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7214% | 4,553 |
| Loan loss allowance to noncurrent loans | 43.2604% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 1,273 |
| Noncurrent loans to loans | 1.6676% | 780 |
| Net loans and leases to total assets | 47.8310% | 3,986 |
| Net loans and leases to deposits | 53.8375% | 4,118 |
| Net loans and leases to core deposits | 55.6384% | 4,169 |
| Total domestic deposits to total assets | 88.8433% | 1,055 |
| Equity capital to assets | 8.2566% | 4,598 |
| Core capital (leverage) ratio | 8.2616% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9314% | 910 |
| Memoranda: | ||
| Average total assets | $164,907,000 | 3,240 |
| Average earning assets | $149,382,000 | 3,270 |
| Average equity | $14,376,600 | 3,711 |
| Average total loans | $84,823,400 | 3,484 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 3,915 |
| Cost of funding earning assets | 0.2504% | 4,512 |
| Net interest margin | 3.3982% | 2,928 |
| Noninterest income to average assets | 0.5645% | 2,329 |
| Noninterest expense to average assets | 2.8305% | 1,882 |
| Loan and lease loss provision to assets | -0.0660% | 4,989 |
| Net operating income to assets | 0.7479% | 3,292 |
| Return on assets (ROA) | 0.7479% | 3,395 |
| Pretax return on assets | 0.8705% | 3,466 |
| Return on Equity (ROE) | 8.4574% | 2,619 |
| Retained earnings to average equity (ytd only) | 1.4794% | 4,091 |
| Net charge-offs to loans | -0.1179% | 4,847 |
| Credit loss provision to net charge-offs | 106.6667% | 2,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8633% | 1,052 |
| Assets per employee ($millions) | 4.2588% | 4,085 |
| Cash dividends to net income (ytd only)* | 82.5083% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 4,544 |
| Loan loss allowance to noncurrent loans | 45.0938% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 1,419 |
| Noncurrent loans to loans | 1.5910% | 887 |
| Net loans and leases to total assets | 50.7725% | 4,050 |
| Net loans and leases to deposits | 57.3494% | 4,194 |
| Net loans and leases to core deposits | 59.2334% | 4,246 |
| Total domestic deposits to total assets | 88.5320% | 962 |
| Equity capital to assets | 8.5224% | 4,448 |
| Core capital (leverage) ratio | 8.5032% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7518% | 946 |
| Memoranda: | ||
| Average total assets | $162,041,500 | 3,256 |
| Average earning assets | $146,428,250 | 3,286 |
| Average equity | $14,330,250 | 3,720 |
| Average total loans | $84,786,250 | 3,505 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,382 |
| Cost of funding earning assets | 0.2728% | 4,559 |
| Net interest margin | 3.2515% | 3,517 |
| Noninterest income to average assets | 0.5651% | 2,281 |
| Noninterest expense to average assets | 2.8153% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5977% | 3,747 |
| Return on assets (ROA) | 0.5977% | 3,821 |
| Pretax return on assets | 0.6831% | 3,904 |
| Return on Equity (ROE) | 6.6724% | 3,260 |
| Retained earnings to average equity (ytd only) | -0.3364% | 4,367 |
| Net charge-offs to loans | 0.0333% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 38.8571% | 1,269 |
| Efficiency ratio | 80.4738% | 857 |
| Assets per employee ($millions) | 3.8964% | 4,398 |
| Cash dividends to net income (ytd only)* | 105.0420% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7317% | 4,505 |
| Loan loss allowance to noncurrent loans | 31.1426% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2539% | 847 |
| Noncurrent loans to loans | 2.3495% | 523 |
| Net loans and leases to total assets | 51.0678% | 4,093 |
| Net loans and leases to deposits | 57.8265% | 4,231 |
| Net loans and leases to core deposits | 59.8113% | 4,270 |
| Total domestic deposits to total assets | 88.3122% | 1,035 |
| Equity capital to assets | 8.7596% | 4,301 |
| Core capital (leverage) ratio | 8.3704% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9587% | 911 |
| Memoranda: | ||
| Average total assets | $159,271,333 | 3,257 |
| Average earning assets | $143,688,667 | 3,297 |
| Average equity | $14,267,667 | 3,730 |
| Average total loans | $84,009,333 | 3,518 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,603 |
| Cost of funding earning assets | 0.3108% | 4,623 |
| Net interest margin | 3.2236% | 3,799 |
| Noninterest income to average assets | 0.5882% | 2,090 |
| Noninterest expense to average assets | 2.9335% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5042% | 3,883 |
| Return on assets (ROA) | 0.5042% | 3,943 |
| Pretax return on assets | 0.5602% | 4,003 |
| Return on Equity (ROE) | 5.5641% | 3,463 |
| Retained earnings to average equity (ytd only) | -1.4613% | 4,196 |
| Net charge-offs to loans | 0.0191% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 843 |
| Efficiency ratio | 83.9650% | 832 |
| Assets per employee ($millions) | 3.8113% | 4,157 |
| Cash dividends to net income (ytd only)* | 126.2626% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7450% | 4,534 |
| Loan loss allowance to noncurrent loans | 29.8522% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 857 |
| Noncurrent loans to loans | 2.4957% | 482 |
| Net loans and leases to total assets | 50.8878% | 4,190 |
| Net loans and leases to deposits | 57.4066% | 4,305 |
| Net loans and leases to core deposits | 59.4083% | 4,385 |
| Total domestic deposits to total assets | 88.6445% | 822 |
| Equity capital to assets | 8.6694% | 4,759 |
| Core capital (leverage) ratio | 9.1137% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4851% | 925 |
| Memoranda: | ||
| Average total assets | $157,082,500 | 3,243 |
| Average earning assets | $141,579,000 | 3,288 |
| Average equity | $14,234,000 | 3,744 |
| Average total loans | $83,920,000 | 3,518 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 4,241 |
| Cost of funding earning assets | 0.3342% | 4,647 |
| Net interest margin | 3.6748% | 2,888 |
| Noninterest income to average assets | 0.6376% | 2,056 |
| Noninterest expense to average assets | 3.5230% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4198% | 4,562 |
| Return on assets (ROA) | 0.4198% | 4,593 |
| Pretax return on assets | 0.4120% | 4,690 |
| Return on Equity (ROE) | 4.4320% | 4,359 |
| Retained earnings to average equity (ytd only) | -2.4500% | 4,892 |
| Net charge-offs to loans | 0.0774% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 9.4328% | 2,664 |
| Efficiency ratio | 89.5295% | 368 |
| Assets per employee ($millions) | 3.5781% | 4,392 |
| Cash dividends to net income (ytd only)* | 155.2795% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,449 |
| Loan loss allowance to noncurrent loans | 29.6053% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4373% | 717 |
| Noncurrent loans to loans | 2.5389% | 421 |
| Net loans and leases to total assets | 55.3544% | 3,968 |
| Net loans and leases to deposits | 63.2713% | 4,121 |
| Net loans and leases to core deposits | 65.7181% | 4,199 |
| Total domestic deposits to total assets | 87.4873% | 1,370 |
| Equity capital to assets | 9.4890% | 4,360 |
| Core capital (leverage) ratio | 9.3377% | 4,241 |
| Tier 1 risk-based capital ratio | 18.8782% | 1,544 |
| Total risk-based capital ratio | 19.7122% | 1,614 |
| Memoranda: | ||
| Average total assets | $153,392,600 | 3,255 |
| Average earning assets | $137,640,000 | 3,316 |
| Average equity | $14,530,600 | 3,687 |
| Average total loans | $86,546,200 | 3,475 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 4,277 |
| Cost of funding earning assets | 0.3365% | 4,703 |
| Net interest margin | 3.7058% | 2,896 |
| Noninterest income to average assets | 0.6322% | 2,063 |
| Noninterest expense to average assets | 3.6141% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3338% | 4,802 |
| Return on assets (ROA) | 0.3338% | 4,826 |
| Pretax return on assets | 0.3416% | 4,863 |
| Return on Equity (ROE) | 3.5254% | 4,673 |
| Retained earnings to average equity (ytd only) | -3.3245% | 5,005 |
| Net charge-offs to loans | 0.0688% | 1,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.7775% | 2,628 |
| Efficiency ratio | 91.3642% | 287 |
| Assets per employee ($millions) | 3.9818% | 3,935 |
| Cash dividends to net income (ytd only)* | 194.3029% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 4,513 |
| Loan loss allowance to noncurrent loans | 31.9902% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.4122% | 819 |
| Noncurrent loans to loans | 2.3866% | 508 |
| Net loans and leases to total assets | 54.4877% | 4,137 |
| Net loans and leases to deposits | 61.8025% | 4,303 |
| Net loans and leases to core deposits | 64.0935% | 4,362 |
| Total domestic deposits to total assets | 88.1642% | 968 |
| Equity capital to assets | 9.1769% | 4,680 |
| Core capital (leverage) ratio | 9.4713% | 4,194 |
| Tier 1 risk-based capital ratio | 19.5299% | 1,454 |
| Total risk-based capital ratio | 20.4221% | 1,498 |
| Memoranda: | ||
| Average total assets | $154,171,000 | 3,281 |
| Average earning assets | $138,266,750 | 3,334 |
| Average equity | $14,598,250 | 3,706 |
| Average total loans | $87,228,750 | 3,508 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 4,073 |
| Cost of funding earning assets | 0.3247% | 4,755 |
| Net interest margin | 3.8128% | 2,544 |
| Noninterest income to average assets | 0.6635% | 1,860 |
| Noninterest expense to average assets | 3.1510% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8027% | 3,642 |
| Return on assets (ROA) | 0.8027% | 3,704 |
| Pretax return on assets | 0.9341% | 3,757 |
| Return on Equity (ROE) | 8.3712% | 3,125 |
| Retained earnings to average equity (ytd only) | 1.5874% | 4,258 |
| Net charge-offs to loans | 0.1548% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.5588% | 2,259 |
| Efficiency ratio | 77.1338% | 1,256 |
| Assets per employee ($millions) | 3.5447% | 4,448 |
| Cash dividends to net income (ytd only)* | 81.0373% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 4,660 |
| Loan loss allowance to noncurrent loans | 33.4755% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 797 |
| Noncurrent loans to loans | 2.1609% | 631 |
| Net loans and leases to total assets | 57.8906% | 3,926 |
| Net loans and leases to deposits | 66.3922% | 4,075 |
| Net loans and leases to core deposits | 69.6618% | 4,125 |
| Total domestic deposits to total assets | 87.1950% | 1,502 |
| Equity capital to assets | 9.9510% | 4,016 |
| Core capital (leverage) ratio | 9.6072% | 4,029 |
| Tier 1 risk-based capital ratio | 19.3947% | 1,462 |
| Total risk-based capital ratio | 20.2168% | 1,528 |
| Memoranda: | ||
| Average total assets | $153,727,000 | 3,304 |
| Average earning assets | $137,955,670 | 3,357 |
| Average equity | $14,741,000 | 3,702 |
| Average total loans | $87,883,000 | 3,505 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8812% | 4,582 |
| Cost of funding earning assets | 0.3360% | 4,722 |
| Net interest margin | 3.5452% | 3,445 |
| Noninterest income to average assets | 0.6968% | 1,627 |
| Noninterest expense to average assets | 3.1175% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6711% | 4,020 |
| Return on assets (ROA) | 0.6711% | 4,059 |
| Pretax return on assets | 0.7685% | 4,121 |
| Return on Equity (ROE) | 7.1273% | 3,627 |
| Retained earnings to average equity (ytd only) | 0.3264% | 4,470 |
| Net charge-offs to loans | 0.2986% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 2,320 |
| Efficiency ratio | 80.2241% | 1,041 |
| Assets per employee ($millions) | 3.8366% | 4,138 |
| Cash dividends to net income (ytd only)* | 95.4198% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,739 |
| Loan loss allowance to noncurrent loans | 39.7476% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 1,187 |
| Noncurrent loans to loans | 1.8090% | 848 |
| Net loans and leases to total assets | 55.2994% | 4,111 |
| Net loans and leases to deposits | 62.8269% | 4,252 |
| Net loans and leases to core deposits | 65.7185% | 4,293 |
| Total domestic deposits to total assets | 88.0186% | 1,328 |
| Equity capital to assets | 9.3514% | 4,384 |
| Core capital (leverage) ratio | 9.3895% | 4,269 |
| Tier 1 risk-based capital ratio | 18.5845% | 1,634 |
| Total risk-based capital ratio | 19.3804% | 1,719 |
| Memoranda: | ||
| Average total assets | $156,151,000 | 3,328 |
| Average earning assets | $140,472,500 | 3,360 |
| Average equity | $14,704,000 | 3,724 |
| Average total loans | $88,417,000 | 3,526 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 4,661 |
| Cost of funding earning assets | 0.1993% | 5,001 |
| Net interest margin | 3.5064% | 3,685 |
| Noninterest income to average assets | 0.6898% | 1,889 |
| Noninterest expense to average assets | 3.0950% | 1,812 |
| Loan and lease loss provision to assets | 0.0268% | 3,641 |
| Net operating income to assets | 0.6468% | 4,294 |
| Return on assets (ROA) | 0.6468% | 4,299 |
| Pretax return on assets | 0.7365% | 4,321 |
| Return on Equity (ROE) | 7.0824% | 3,795 |
| Retained earnings to average equity (ytd only) | 0.2593% | 4,915 |
| Net charge-offs to loans | 0.0465% | 2,504 |
| Credit loss provision to net charge-offs | 107.5000% | 2,384 |
| Earnings coverage of net charge-offs (x) | 30.6250% | 1,576 |
| Efficiency ratio | 80.2164% | 942 |
| Assets per employee ($millions) | 3.7805% | 4,211 |
| Cash dividends to net income (ytd only)* | 96.3391% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 4,606 |
| Loan loss allowance to noncurrent loans | 42.9630% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.2026% | 1,087 |
| Noncurrent loans to loans | 1.8158% | 779 |
| Net loans and leases to total assets | 57.1103% | 4,039 |
| Net loans and leases to deposits | 64.9600% | 4,191 |
| Net loans and leases to core deposits | 67.9994% | 4,237 |
| Total domestic deposits to total assets | 87.9161% | 1,337 |
| Equity capital to assets | 9.4826% | 4,147 |
| Core capital (leverage) ratio | 9.3211% | 4,336 |
| Tier 1 risk-based capital ratio | 18.1381% | 1,719 |
| Total risk-based capital ratio | 18.9970% | 1,784 |
| Memoranda: | ||
| Average total assets | $160,486,000 | 3,272 |
| Average earning assets | $145,018,600 | 3,317 |
| Average equity | $14,656,000 | 3,678 |
| Average total loans | $86,063,400 | 3,551 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6325% | 4,749 |
| Cost of funding earning assets | 0.1731% | 5,125 |
| Net interest margin | 3.4594% | 3,834 |
| Noninterest income to average assets | 0.6779% | 1,947 |
| Noninterest expense to average assets | 3.1113% | 1,733 |
| Loan and lease loss provision to assets | 0.0354% | 3,302 |
| Net operating income to assets | 0.5849% | 4,542 |
| Return on assets (ROA) | 0.5849% | 4,553 |
| Pretax return on assets | 0.6598% | 4,623 |
| Return on Equity (ROE) | 6.4637% | 4,120 |
| Retained earnings to average equity (ytd only) | -0.3641% | 5,086 |
| Net charge-offs to loans | 0.0985% | 1,507 |
| Credit loss provision to net charge-offs | 68.2540% | 2,649 |
| Earnings coverage of net charge-offs (x) | 13.3965% | 2,366 |
| Efficiency ratio | 81.7356% | 797 |
| Assets per employee ($millions) | 3.9580% | 3,954 |
| Cash dividends to net income (ytd only)* | 105.6347% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 4,758 |
| Loan loss allowance to noncurrent loans | 26.7276% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.7020% | 720 |
| Noncurrent loans to loans | 2.8010% | 424 |
| Net loans and leases to total assets | 54.9819% | 4,294 |
| Net loans and leases to deposits | 62.0595% | 4,435 |
| Net loans and leases to core deposits | 64.9461% | 4,461 |
| Total domestic deposits to total assets | 88.5954% | 1,003 |
| Equity capital to assets | 9.0087% | 4,541 |
| Core capital (leverage) ratio | 9.0672% | 4,643 |
| Tier 1 risk-based capital ratio | 14.5325% | 3,111 |
| Total risk-based capital ratio | 15.2016% | 3,308 |
| Memoranda: | ||
| Average total assets | $161,857,500 | 3,283 |
| Average earning assets | $146,380,250 | 3,328 |
| Average equity | $14,645,500 | 3,706 |
| Average total loans | $85,275,000 | 3,595 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 4,760 |
| Cost of funding earning assets | 0.1599% | 5,197 |
| Net interest margin | 3.4457% | 3,816 |
| Noninterest income to average assets | 0.7025% | 1,862 |
| Noninterest expense to average assets | 3.1128% | 1,751 |
| Loan and lease loss provision to assets | 0.0532% | 2,848 |
| Net operating income to assets | 0.5800% | 4,568 |
| Return on assets (ROA) | 0.5800% | 4,561 |
| Pretax return on assets | 0.6542% | 4,629 |
| Return on Equity (ROE) | 6.4008% | 4,101 |
| Retained earnings to average equity (ytd only) | -0.4231% | 5,018 |
| Net charge-offs to loans | 0.1505% | 1,026 |
| Credit loss provision to net charge-offs | 68.2540% | 2,369 |
| Earnings coverage of net charge-offs (x) | 9.0794% | 2,418 |
| Efficiency ratio | 81.4827% | 875 |
| Assets per employee ($millions) | 3.9954% | 3,907 |
| Cash dividends to net income (ytd only)* | 106.6098% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 4,841 |
| Loan loss allowance to noncurrent loans | 28.5532% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 750 |
| Noncurrent loans to loans | 2.5996% | 483 |
| Net loans and leases to total assets | 54.9380% | 4,253 |
| Net loans and leases to deposits | 61.9208% | 4,423 |
| Net loans and leases to core deposits | 64.6428% | 4,453 |
| Total domestic deposits to total assets | 88.7230% | 1,047 |
| Equity capital to assets | 8.9304% | 4,612 |
| Core capital (leverage) ratio | 8.8794% | 4,812 |
| Tier 1 risk-based capital ratio | 14.4473% | 3,139 |
| Total risk-based capital ratio | 15.1119% | 3,342 |
| Memoranda: | ||
| Average total assets | $161,717,670 | 3,302 |
| Average earning assets | $146,325,330 | 3,342 |
| Average equity | $14,654,330 | 3,726 |
| Average total loans | $83,734,670 | 3,645 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 4,778 |
| Cost of funding earning assets | 0.1510% | 5,263 |
| Net interest margin | 3.4080% | 3,859 |
| Noninterest income to average assets | 0.7225% | 1,731 |
| Noninterest expense to average assets | 2.9670% | 2,155 |
| Loan and lease loss provision to assets | 0.0745% | 2,276 |
| Net operating income to assets | 0.6654% | 4,225 |
| Return on assets (ROA) | 0.6654% | 4,229 |
| Pretax return on assets | 0.7622% | 4,253 |
| Return on Equity (ROE) | 7.0939% | 3,751 |
| Retained earnings to average equity (ytd only) | 0.4765% | 4,729 |
| Net charge-offs to loans | -0.0198% | 4,554 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0026% | 1,355 |
| Assets per employee ($millions) | 3.9290% | 4,104 |
| Cash dividends to net income (ytd only)* | 93.2836% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,030 |
| Loan loss allowance to noncurrent loans | 32.6236% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7400% | 723 |
| Noncurrent loans to loans | 3.0276% | 394 |
| Net loans and leases to total assets | 53.3922% | 4,336 |
| Net loans and leases to deposits | 60.4436% | 4,442 |
| Net loans and leases to core deposits | 63.1600% | 4,475 |
| Total domestic deposits to total assets | 88.3339% | 1,443 |
| Equity capital to assets | 9.3860% | 4,199 |
| Core capital (leverage) ratio | 9.4057% | 4,183 |
| Tier 1 risk-based capital ratio | 15.3950% | 2,697 |
| Total risk-based capital ratio | 16.2686% | 2,786 |
| Memoranda: | ||
| Average total assets | $161,106,000 | 3,341 |
| Average earning assets | $145,656,000 | 3,384 |
| Average equity | $15,111,500 | 3,693 |
| Average total loans | $80,834,000 | 3,734 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3762% | 4,973 |
| Cost of funding earning assets | 0.1571% | 5,221 |
| Net interest margin | 3.2191% | 4,398 |
| Noninterest income to average assets | 0.6784% | 2,056 |
| Noninterest expense to average assets | 2.7374% | 3,007 |
| Loan and lease loss provision to assets | 0.0597% | 3,039 |
| Net operating income to assets | 0.6234% | 3,917 |
| Return on assets (ROA) | 0.6234% | 3,958 |
| Pretax return on assets | 0.8050% | 4,228 |
| Return on Equity (ROE) | 6.7401% | 3,415 |
| Retained earnings to average equity (ytd only) | -0.0387% | 5,028 |
| Net charge-offs to loans | 0.0671% | 2,504 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 28.9600% | 1,584 |
| Efficiency ratio | 75.9947% | 1,620 |
| Assets per employee ($millions) | 3.9467% | 4,051 |
| Cash dividends to net income (ytd only)* | 100.5747% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,347 |
| Loan loss allowance to noncurrent loans | 29.9745% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.8274% | 669 |
| Noncurrent loans to loans | 3.6751% | 270 |
| Net loans and leases to total assets | 45.7170% | 4,905 |
| Net loans and leases to deposits | 51.8893% | 4,992 |
| Net loans and leases to core deposits | 54.3561% | 4,991 |
| Total domestic deposits to total assets | 88.1048% | 1,439 |
| Equity capital to assets | 9.5641% | 4,175 |
| Core capital (leverage) ratio | 9.3974% | 4,164 |
| Tier 1 risk-based capital ratio | 17.3131% | 1,992 |
| Total risk-based capital ratio | 18.2349% | 2,047 |
| Memoranda: | ||
| Average total assets | $167,456,800 | 3,272 |
| Average earning assets | $152,094,000 | 3,296 |
| Average equity | $15,489,400 | 3,657 |
| Average total loans | $74,546,400 | 3,858 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3179% | 5,089 |
| Cost of funding earning assets | 0.1562% | 5,276 |
| Net interest margin | 3.1617% | 4,555 |
| Noninterest income to average assets | 0.6916% | 2,034 |
| Noninterest expense to average assets | 2.6829% | 3,117 |
| Loan and lease loss provision to assets | 0.0276% | 3,577 |
| Net operating income to assets | 0.6561% | 4,170 |
| Return on assets (ROA) | 0.6561% | 4,223 |
| Pretax return on assets | 0.8582% | 4,189 |
| Return on Equity (ROE) | 7.1515% | 3,567 |
| Retained earnings to average equity (ytd only) | 0.2668% | 5,155 |
| Net charge-offs to loans | 0.0859% | 1,937 |
| Credit loss provision to net charge-offs | 72.9167% | 2,670 |
| Earnings coverage of net charge-offs (x) | 23.3744% | 1,818 |
| Efficiency ratio | 75.1770% | 1,710 |
| Assets per employee ($millions) | 4.2873% | 3,493 |
| Cash dividends to net income (ytd only)* | 96.2698% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,878 |
| Loan loss allowance to noncurrent loans | 27.8143% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 966 |
| Noncurrent loans to loans | 3.7216% | 282 |
| Net loans and leases to total assets | 41.3896% | 5,140 |
| Net loans and leases to deposits | 46.4360% | 5,238 |
| Net loans and leases to core deposits | 48.4362% | 5,247 |
| Total domestic deposits to total assets | 89.1325% | 815 |
| Equity capital to assets | 8.8246% | 5,058 |
| Core capital (leverage) ratio | 8.9138% | 4,844 |
| Tier 1 risk-based capital ratio | 17.8399% | 1,898 |
| Total risk-based capital ratio | 18.7151% | 1,968 |
| Memoranda: | ||
| Average total assets | $168,867,750 | 3,287 |
| Average earning assets | $153,668,500 | 3,305 |
| Average equity | $15,492,750 | 3,690 |
| Average total loans | $74,483,000 | 3,889 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3347% | 5,053 |
| Cost of funding earning assets | 0.1559% | 5,303 |
| Net interest margin | 3.1788% | 4,475 |
| Noninterest income to average assets | 0.7048% | 1,964 |
| Noninterest expense to average assets | 2.6717% | 3,193 |
| Loan and lease loss provision to assets | 0.0120% | 3,718 |
| Net operating income to assets | 0.6796% | 3,936 |
| Return on assets (ROA) | 0.6796% | 4,004 |
| Pretax return on assets | 0.9102% | 3,897 |
| Return on Equity (ROE) | 7.3097% | 3,389 |
| Retained earnings to average equity (ytd only) | 0.2066% | 5,025 |
| Net charge-offs to loans | 0.0749% | 1,870 |
| Credit loss provision to net charge-offs | 35.7143% | 2,678 |
| Earnings coverage of net charge-offs (x) | 27.4286% | 1,541 |
| Efficiency ratio | 74.3401% | 1,953 |
| Assets per employee ($millions) | 4.1071% | 3,777 |
| Cash dividends to net income (ytd only)* | 97.1731% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,857 |
| Loan loss allowance to noncurrent loans | 26.8085% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 771 |
| Noncurrent loans to loans | 3.9126% | 255 |
| Net loans and leases to total assets | 42.3535% | 5,127 |
| Net loans and leases to deposits | 47.8266% | 5,220 |
| Net loans and leases to core deposits | 49.9958% | 5,225 |
| Total domestic deposits to total assets | 88.5563% | 1,171 |
| Equity capital to assets | 9.2024% | 4,716 |
| Core capital (leverage) ratio | 9.1401% | 4,568 |
| Tier 1 risk-based capital ratio | 18.1629% | 1,807 |
| Total risk-based capital ratio | 19.0490% | 1,878 |
| Memoranda: | ||
| Average total assets | $166,563,330 | 3,324 |
| Average earning assets | $151,377,330 | 3,351 |
| Average equity | $15,486,330 | 3,703 |
| Average total loans | $74,805,330 | 3,903 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 5,079 |
| Cost of funding earning assets | 0.1564% | 5,326 |
| Net interest margin | 3.1595% | 4,472 |
| Noninterest income to average assets | 0.7184% | 1,877 |
| Noninterest expense to average assets | 2.7723% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7280% | 3,573 |
| Return on assets (ROA) | 0.7280% | 3,623 |
| Pretax return on assets | 0.8196% | 4,040 |
| Return on Equity (ROE) | 7.6645% | 3,086 |
| Retained earnings to average equity (ytd only) | 0.0508% | 4,902 |
| Net charge-offs to loans | 0.1733% | 954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.3030% | 1,945 |
| Efficiency ratio | 77.1812% | 1,736 |
| Assets per employee ($millions) | 4.1705% | 3,715 |
| Cash dividends to net income (ytd only)* | 99.3377% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4238% | 5,666 |
| Loan loss allowance to noncurrent loans | 9.4570% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 1.9603% | 678 |
| Noncurrent loans to loans | 4.4816% | 205 |
| Net loans and leases to total assets | 43.5564% | 5,064 |
| Net loans and leases to deposits | 49.1186% | 5,175 |
| Net loans and leases to core deposits | 51.6520% | 5,161 |
| Total domestic deposits to total assets | 88.6761% | 1,334 |
| Equity capital to assets | 9.2180% | 4,600 |
| Core capital (leverage) ratio | 9.1639% | 4,531 |
| Tier 1 risk-based capital ratio | 17.3719% | 2,075 |
| Total risk-based capital ratio | 17.7340% | 2,311 |
| Memoranda: | ||
| Average total assets | $165,930,000 | 3,360 |
| Average earning assets | $150,911,500 | 3,388 |
| Average equity | $15,761,000 | 3,691 |
| Average total loans | $76,170,500 | 3,904 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 4,545 |
| Cost of funding earning assets | 0.1663% | 5,308 |
| Net interest margin | 3.4202% | 3,752 |
| Noninterest income to average assets | 0.6795% | 2,264 |
| Noninterest expense to average assets | 2.8492% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7781% | 3,410 |
| Return on assets (ROA) | 0.7781% | 3,517 |
| Pretax return on assets | 0.9352% | 3,710 |
| Return on Equity (ROE) | 8.0152% | 2,922 |
| Retained earnings to average equity (ytd only) | 0.1015% | 5,272 |
| Net charge-offs to loans | 0.2651% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.0605% | 3,081 |
| Efficiency ratio | 75.2889% | 2,099 |
| Assets per employee ($millions) | 3.9236% | 4,109 |
| Cash dividends to net income (ytd only)* | 98.7332% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4513% | 5,698 |
| Loan loss allowance to noncurrent loans | 9.6313% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.2863% | 549 |
| Noncurrent loans to loans | 4.6863% | 187 |
| Net loans and leases to total assets | 47.9872% | 4,898 |
| Net loans and leases to deposits | 54.5208% | 4,990 |
| Net loans and leases to core deposits | 57.7296% | 4,984 |
| Total domestic deposits to total assets | 88.0163% | 1,621 |
| Equity capital to assets | 9.7969% | 3,945 |
| Core capital (leverage) ratio | 9.3898% | 4,233 |
| Tier 1 risk-based capital ratio | 17.4178% | 2,028 |
| Total risk-based capital ratio | 17.8202% | 2,261 |
| Memoranda: | ||
| Average total assets | $162,323,800 | 3,372 |
| Average earning assets | $147,358,000 | 3,399 |
| Average equity | $15,757,600 | 3,724 |
| Average total loans | $81,093,600 | 3,780 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 4,291 |
| Cost of funding earning assets | 0.1669% | 5,371 |
| Net interest margin | 3.5211% | 3,388 |
| Noninterest income to average assets | 0.6007% | 2,655 |
| Noninterest expense to average assets | 2.8487% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7187% | 3,746 |
| Return on assets (ROA) | 0.7187% | 3,889 |
| Pretax return on assets | 0.9499% | 3,813 |
| Return on Equity (ROE) | 7.4208% | 3,343 |
| Retained earnings to average equity (ytd only) | -0.2031% | 5,394 |
| Net charge-offs to loans | 0.1854% | 1,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 10.1664% | 2,607 |
| Efficiency ratio | 74.9946% | 2,109 |
| Assets per employee ($millions) | 4.0013% | 3,965 |
| Cash dividends to net income (ytd only)* | 102.7367% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5670% | 5,646 |
| Loan loss allowance to noncurrent loans | 14.9091% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 1.8713% | 866 |
| Noncurrent loans to loans | 3.8027% | 311 |
| Net loans and leases to total assets | 48.2137% | 4,946 |
| Net loans and leases to deposits | 54.5975% | 5,077 |
| Net loans and leases to core deposits | 57.3154% | 5,088 |
| Total domestic deposits to total assets | 88.3076% | 1,233 |
| Equity capital to assets | 9.5822% | 4,576 |
| Core capital (leverage) ratio | 9.1908% | 4,605 |
| Tier 1 risk-based capital ratio | 16.7823% | 2,309 |
| Total risk-based capital ratio | 17.2832% | 2,556 |
| Memoranda: | ||
| Average total assets | $162,687,750 | 3,385 |
| Average earning assets | $147,753,750 | 3,414 |
| Average equity | $15,757,000 | 3,755 |
| Average total loans | $81,980,500 | 3,780 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,098 |
| Cost of funding earning assets | 0.1711% | 5,402 |
| Net interest margin | 3.5882% | 3,144 |
| Noninterest income to average assets | 0.5754% | 2,754 |
| Noninterest expense to average assets | 2.8253% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7541% | 3,529 |
| Return on assets (ROA) | 0.7541% | 3,683 |
| Pretax return on assets | 1.0067% | 3,555 |
| Return on Equity (ROE) | 7.7203% | 3,131 |
| Retained earnings to average equity (ytd only) | 0.1514% | 5,256 |
| Net charge-offs to loans | 0.5033% | 436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.9091% | 3,045 |
| Efficiency ratio | 73.7299% | 2,402 |
| Assets per employee ($millions) | 4.0421% | 3,826 |
| Cash dividends to net income (ytd only)* | 98.0392% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 5,610 |
| Loan loss allowance to noncurrent loans | 16.3413% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 1.9921% | 828 |
| Noncurrent loans to loans | 3.9859% | 292 |
| Net loans and leases to total assets | 48.9600% | 4,913 |
| Net loans and leases to deposits | 55.5574% | 5,045 |
| Net loans and leases to core deposits | 58.4797% | 5,049 |
| Total domestic deposits to total assets | 88.1251% | 1,369 |
| Equity capital to assets | 9.7974% | 4,453 |
| Core capital (leverage) ratio | 9.2875% | 4,472 |
| Tier 1 risk-based capital ratio | 16.9389% | 2,237 |
| Total risk-based capital ratio | 17.5160% | 2,467 |
| Memoranda: | ||
| Average total assets | $162,317,670 | 3,409 |
| Average earning assets | $147,318,000 | 3,443 |
| Average equity | $15,854,330 | 3,756 |
| Average total loans | $83,049,670 | 3,779 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 3,608 |
| Cost of funding earning assets | 0.1679% | 5,484 |
| Net interest margin | 3.7261% | 2,567 |
| Noninterest income to average assets | 0.5977% | 2,548 |
| Noninterest expense to average assets | 2.8161% | 3,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8657% | 2,913 |
| Return on assets (ROA) | 0.8657% | 3,031 |
| Pretax return on assets | 1.1658% | 2,835 |
| Return on Equity (ROE) | 8.8771% | 2,483 |
| Retained earnings to average equity (ytd only) | 1.3114% | 4,735 |
| Net charge-offs to loans | 0.9724% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.3010% | 2,707 |
| Efficiency ratio | 70.7227% | 3,002 |
| Assets per employee ($millions) | 4.0510% | 3,858 |
| Cash dividends to net income (ytd only)* | 85.2273% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 5,726 |
| Loan loss allowance to noncurrent loans | 15.3575% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0735% | 822 |
| Noncurrent loans to loans | 3.9930% | 303 |
| Net loans and leases to total assets | 50.9371% | 4,728 |
| Net loans and leases to deposits | 57.6507% | 4,874 |
| Net loans and leases to core deposits | 60.5904% | 4,901 |
| Total domestic deposits to total assets | 88.3547% | 1,434 |
| Equity capital to assets | 9.5651% | 4,605 |
| Core capital (leverage) ratio | 9.3074% | 4,481 |
| Tier 1 risk-based capital ratio | 15.9787% | 2,691 |
| Total risk-based capital ratio | 16.5246% | 2,972 |
| Memoranda: | ||
| Average total assets | $162,634,000 | 3,418 |
| Average earning assets | $147,714,000 | 3,450 |
| Average equity | $15,861,000 | 3,752 |
| Average total loans | $84,734,500 | 3,734 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 5,005 |
| Cost of funding earning assets | 0.1942% | 5,329 |
| Net interest margin | 3.2749% | 4,391 |
| Noninterest income to average assets | 0.6239% | 2,595 |
| Noninterest expense to average assets | 2.6208% | 3,847 |
| Loan and lease loss provision to assets | 0.1812% | 1,250 |
| Net operating income to assets | 0.6149% | 4,203 |
| Return on assets (ROA) | 0.6149% | 4,298 |
| Pretax return on assets | 0.7961% | 4,204 |
| Return on Equity (ROE) | 6.4692% | 3,796 |
| Retained earnings to average equity (ytd only) | 1.0676% | 5,088 |
| Net charge-offs to loans | 0.1620% | 1,749 |
| Credit loss provision to net charge-offs | 232.5581% | 1,227 |
| Earnings coverage of net charge-offs (x) | 12.5426% | 2,454 |
| Efficiency ratio | 72.8387% | 2,764 |
| Assets per employee ($millions) | 3.8823% | 4,154 |
| Cash dividends to net income (ytd only)* | 83.4971% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 5,223 |
| Loan loss allowance to noncurrent loans | 18.2685% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 2.5745% | 588 |
| Noncurrent loans to loans | 4.7247% | 217 |
| Net loans and leases to total assets | 52.5309% | 4,647 |
| Net loans and leases to deposits | 59.7441% | 4,792 |
| Net loans and leases to core deposits | 62.9463% | 4,802 |
| Total domestic deposits to total assets | 87.9265% | 1,674 |
| Equity capital to assets | 9.9482% | 4,025 |
| Core capital (leverage) ratio | 9.2641% | 4,526 |
| Tier 1 risk-based capital ratio | 16.1170% | 2,640 |
| Total risk-based capital ratio | 16.8950% | 2,793 |
| Memoranda: | ||
| Average total assets | $165,558,800 | 3,368 |
| Average earning assets | $150,356,400 | 3,398 |
| Average equity | $15,736,200 | 3,722 |
| Average total loans | $79,606,800 | 3,837 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4001% | 5,203 |
| Cost of funding earning assets | 0.1976% | 5,397 |
| Net interest margin | 3.2025% | 4,663 |
| Noninterest income to average assets | 0.5735% | 2,890 |
| Noninterest expense to average assets | 2.4982% | 4,199 |
| Loan and lease loss provision to assets | 0.2393% | 738 |
| Net operating income to assets | 0.5775% | 4,490 |
| Return on assets (ROA) | 0.5775% | 4,581 |
| Pretax return on assets | 0.7450% | 4,518 |
| Return on Equity (ROE) | 6.1440% | 4,089 |
| Retained earnings to average equity (ytd only) | 1.4766% | 5,127 |
| Net charge-offs to loans | 0.2227% | 1,171 |
| Credit loss provision to net charge-offs | 229.0076% | 1,209 |
| Earnings coverage of net charge-offs (x) | 9.4200% | 2,701 |
| Efficiency ratio | 71.7361% | 2,924 |
| Assets per employee ($millions) | 4.0677% | 3,766 |
| Cash dividends to net income (ytd only)* | 75.9673% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 5,249 |
| Loan loss allowance to noncurrent loans | 17.4940% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 2.7756% | 577 |
| Noncurrent loans to loans | 5.0649% | 204 |
| Net loans and leases to total assets | 48.6938% | 5,034 |
| Net loans and leases to deposits | 54.9154% | 5,190 |
| Net loans and leases to core deposits | 57.6931% | 5,208 |
| Total domestic deposits to total assets | 88.6705% | 1,190 |
| Equity capital to assets | 9.4983% | 4,754 |
| Core capital (leverage) ratio | 8.9993% | 4,997 |
| Tier 1 risk-based capital ratio | 16.3603% | 2,644 |
| Total risk-based capital ratio | 17.1476% | 2,785 |
| Memoranda: | ||
| Average total assets | $167,154,750 | 3,379 |
| Average earning assets | $151,836,750 | 3,398 |
| Average equity | $15,711,500 | 3,761 |
| Average total loans | $78,422,500 | 3,911 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3622% | 5,307 |
| Cost of funding earning assets | 0.1999% | 5,432 |
| Net interest margin | 3.1622% | 4,783 |
| Noninterest income to average assets | 0.5607% | 2,972 |
| Noninterest expense to average assets | 2.5646% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6540% | 4,103 |
| Return on assets (ROA) | 0.6540% | 4,211 |
| Pretax return on assets | 0.8704% | 4,067 |
| Return on Equity (ROE) | 6.9822% | 3,617 |
| Retained earnings to average equity (ytd only) | -0.0383% | 5,515 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6606% | 2,581 |
| Assets per employee ($millions) | 4.0696% | 3,745 |
| Cash dividends to net income (ytd only)* | 100.5484% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7088% | 5,798 |
| Loan loss allowance to noncurrent loans | 23.2374% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 1.6877% | 1,410 |
| Noncurrent loans to loans | 3.0502% | 649 |
| Net loans and leases to total assets | 46.7645% | 5,194 |
| Net loans and leases to deposits | 52.6554% | 5,337 |
| Net loans and leases to core deposits | 55.3131% | 5,355 |
| Total domestic deposits to total assets | 88.8123% | 1,241 |
| Equity capital to assets | 9.3879% | 4,795 |
| Core capital (leverage) ratio | 8.8638% | 5,140 |
| Tier 1 risk-based capital ratio | 16.7106% | 2,519 |
| Total risk-based capital ratio | 17.3348% | 2,771 |
| Memoranda: | ||
| Average total assets | $167,280,670 | 3,398 |
| Average earning assets | $152,045,330 | 3,418 |
| Average equity | $15,668,330 | 3,786 |
| Average total loans | $77,251,330 | 3,971 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 5,339 |
| Cost of funding earning assets | 0.2050% | 5,463 |
| Net interest margin | 3.1386% | 4,823 |
| Noninterest income to average assets | 0.5684% | 2,848 |
| Noninterest expense to average assets | 2.4455% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7332% | 3,630 |
| Return on assets (ROA) | 0.7332% | 3,760 |
| Pretax return on assets | 0.9744% | 3,589 |
| Return on Equity (ROE) | 7.8364% | 3,049 |
| Retained earnings to average equity (ytd only) | 0.1787% | 5,312 |
| Net charge-offs to loans | 0.0209% | 2,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 487 |
| Efficiency ratio | 71.5084% | 3,249 |
| Assets per employee ($millions) | 4.2691% | 3,432 |
| Cash dividends to net income (ytd only)* | 97.7199% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 5,874 |
| Loan loss allowance to noncurrent loans | 18.7394% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 1.9735% | 1,206 |
| Noncurrent loans to loans | 3.8207% | 471 |
| Net loans and leases to total assets | 44.9067% | 5,276 |
| Net loans and leases to deposits | 50.4023% | 5,433 |
| Net loans and leases to core deposits | 52.8768% | 5,433 |
| Total domestic deposits to total assets | 89.0966% | 1,205 |
| Equity capital to assets | 9.1788% | 5,116 |
| Core capital (leverage) ratio | 9.1083% | 4,836 |
| Tier 1 risk-based capital ratio | 16.1371% | 2,857 |
| Total risk-based capital ratio | 16.7352% | 3,090 |
| Memoranda: | ||
| Average total assets | $167,494,500 | 3,409 |
| Average earning assets | $152,169,000 | 3,428 |
| Average equity | $15,670,500 | 3,805 |
| Average total loans | $76,584,500 | 3,999 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 5,290 |
| Cost of funding earning assets | 0.2260% | 5,553 |
| Net interest margin | 3.2839% | 4,640 |
| Noninterest income to average assets | 0.7846% | 1,933 |
| Noninterest expense to average assets | 2.4906% | 4,582 |
| Loan and lease loss provision to assets | 0.1839% | 1,396 |
| Net operating income to assets | 0.7834% | 3,452 |
| Return on assets (ROA) | 0.7834% | 3,542 |
| Pretax return on assets | 1.1000% | 3,083 |
| Return on Equity (ROE) | 8.5008% | 2,839 |
| Retained earnings to average equity (ytd only) | 0.8251% | 5,399 |
| Net charge-offs to loans | 0.6094% | 648 |
| Credit loss provision to net charge-offs | 63.6735% | 3,214 |
| Earnings coverage of net charge-offs (x) | 4.4449% | 3,647 |
| Efficiency ratio | 65.9847% | 4,255 |
| Assets per employee ($millions) | 4.0055% | 3,943 |
| Cash dividends to net income (ytd only)* | 90.2935% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 5,917 |
| Loan loss allowance to noncurrent loans | 19.2600% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 1.9954% | 1,278 |
| Noncurrent loans to loans | 3.8087% | 510 |
| Net loans and leases to total assets | 45.8971% | 5,331 |
| Net loans and leases to deposits | 51.7927% | 5,494 |
| Net loans and leases to core deposits | 54.4570% | 5,480 |
| Total domestic deposits to total assets | 88.6169% | 1,461 |
| Equity capital to assets | 9.5399% | 4,670 |
| Core capital (leverage) ratio | 9.3339% | 4,487 |
| Tier 1 risk-based capital ratio | 17.1450% | 2,455 |
| Total risk-based capital ratio | 17.7666% | 2,658 |
| Memoranda: | ||
| Average total assets | $169,636,800 | 3,349 |
| Average earning assets | $154,452,600 | 3,373 |
| Average equity | $15,633,800 | 3,731 |
| Average total loans | $80,404,200 | 3,864 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 5,365 |
| Cost of funding earning assets | 0.2276% | 5,615 |
| Net interest margin | 3.2856% | 4,661 |
| Noninterest income to average assets | 0.8156% | 1,834 |
| Noninterest expense to average assets | 2.4461% | 4,671 |
| Loan and lease loss provision to assets | 0.2308% | 959 |
| Net operating income to assets | 0.8258% | 3,313 |
| Return on assets (ROA) | 0.8258% | 3,402 |
| Pretax return on assets | 1.1330% | 3,057 |
| Return on Equity (ROE) | 9.0363% | 2,660 |
| Retained earnings to average equity (ytd only) | 1.3567% | 5,353 |
| Net charge-offs to loans | 0.7523% | 449 |
| Credit loss provision to net charge-offs | 64.3478% | 2,867 |
| Earnings coverage of net charge-offs (x) | 3.8022% | 3,590 |
| Efficiency ratio | 64.2038% | 4,507 |
| Assets per employee ($millions) | 4.1076% | 3,654 |
| Cash dividends to net income (ytd only)* | 84.9861% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 6,079 |
| Loan loss allowance to noncurrent loans | 19.9024% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9512% | 1,489 |
| Noncurrent loans to loans | 3.5769% | 659 |
| Net loans and leases to total assets | 47.2870% | 5,270 |
| Net loans and leases to deposits | 53.1839% | 5,444 |
| Net loans and leases to core deposits | 57.2438% | 5,381 |
| Total domestic deposits to total assets | 88.9123% | 1,297 |
| Equity capital to assets | 9.3206% | 5,017 |
| Core capital (leverage) ratio | 9.0830% | 4,956 |
| Tier 1 risk-based capital ratio | 16.6761% | 2,734 |
| Total risk-based capital ratio | 17.2945% | 2,992 |
| Memoranda: | ||
| Average total assets | $170,989,500 | 3,350 |
| Average earning assets | $155,825,750 | 3,364 |
| Average equity | $15,625,500 | 3,747 |
| Average total loans | $81,522,250 | 3,858 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5158% | 5,377 |
| Cost of funding earning assets | 0.2297% | 5,666 |
| Net interest margin | 3.2861% | 4,641 |
| Noninterest income to average assets | 0.5970% | 2,824 |
| Noninterest expense to average assets | 2.4847% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8042% | 3,306 |
| Return on assets (ROA) | 0.8042% | 3,410 |
| Pretax return on assets | 1.1091% | 3,071 |
| Return on Equity (ROE) | 8.8580% | 2,660 |
| Retained earnings to average equity (ytd only) | 1.1665% | 5,286 |
| Net charge-offs to loans | 1.1054% | 296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.1038% | 3,638 |
| Efficiency ratio | 69.1386% | 3,812 |
| Assets per employee ($millions) | 4.1691% | 3,512 |
| Cash dividends to net income (ytd only)* | 86.8307% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3585% | 6,506 |
| Loan loss allowance to noncurrent loans | 9.1947% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 2.1365% | 1,446 |
| Noncurrent loans to loans | 3.8994% | 619 |
| Net loans and leases to total assets | 45.8495% | 5,371 |
| Net loans and leases to deposits | 51.4060% | 5,535 |
| Net loans and leases to core deposits | 55.2550% | 5,458 |
| Total domestic deposits to total assets | 89.1911% | 1,257 |
| Equity capital to assets | 9.1433% | 5,161 |
| Core capital (leverage) ratio | 9.0894% | 4,885 |
| Tier 1 risk-based capital ratio | 17.2846% | 2,505 |
| Total risk-based capital ratio | 17.6011% | 2,857 |
| Memoranda: | ||
| Average total assets | $171,848,670 | 3,356 |
| Average earning assets | $156,720,330 | 3,368 |
| Average equity | $15,601,670 | 3,753 |
| Average total loans | $81,960,330 | 3,852 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 4,970 |
| Cost of funding earning assets | 0.2337% | 5,721 |
| Net interest margin | 3.4268% | 4,000 |
| Noninterest income to average assets | 0.7011% | 2,162 |
| Noninterest expense to average assets | 2.5513% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9286% | 2,510 |
| Return on assets (ROA) | 0.9286% | 2,584 |
| Pretax return on assets | 1.2814% | 2,169 |
| Return on Equity (ROE) | 10.2643% | 1,948 |
| Retained earnings to average equity (ytd only) | 2.5661% | 4,531 |
| Net charge-offs to loans | 0.0096% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 171 |
| Efficiency ratio | 66.5657% | 4,434 |
| Assets per employee ($millions) | 4.2472% | 3,447 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 5,914 |
| Loan loss allowance to noncurrent loans | 26.1319% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8319% | 1,901 |
| Noncurrent loans to loans | 3.3811% | 886 |
| Net loans and leases to total assets | 47.2197% | 5,212 |
| Net loans and leases to deposits | 52.8122% | 5,399 |
| Net loans and leases to core deposits | 57.2576% | 5,259 |
| Total domestic deposits to total assets | 89.4106% | 1,416 |
| Equity capital to assets | 8.9803% | 5,138 |
| Core capital (leverage) ratio | 8.9042% | 5,135 |
| Tier 1 risk-based capital ratio | 17.0967% | 2,643 |
| Total risk-based capital ratio | 17.9141% | 2,794 |
| Memoranda: | ||
| Average total assets | $172,306,500 | 3,376 |
| Average earning assets | $157,463,000 | 3,384 |
| Average equity | $15,588,000 | 3,769 |
| Average total loans | $83,613,500 | 3,847 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 5,215 |
| Cost of funding earning assets | 0.2688% | 5,841 |
| Net interest margin | 3.4028% | 4,263 |
| Noninterest income to average assets | 0.5098% | 3,691 |
| Noninterest expense to average assets | 2.4260% | 5,003 |
| Loan and lease loss provision to assets | 0.0237% | 4,652 |
| Net operating income to assets | 0.8474% | 3,050 |
| Return on assets (ROA) | 0.8474% | 3,126 |
| Pretax return on assets | 1.1488% | 2,776 |
| Return on Equity (ROE) | 9.2657% | 2,428 |
| Retained earnings to average equity (ytd only) | 1.4957% | 5,144 |
| Net charge-offs to loans | 0.0361% | 4,725 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 61.8750% | 668 |
| Efficiency ratio | 67.4181% | 4,302 |
| Assets per employee ($millions) | 4.1580% | 3,521 |
| Cash dividends to net income (ytd only)* | 83.8574% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 6,000 |
| Loan loss allowance to noncurrent loans | 32.6232% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 2,409 |
| Noncurrent loans to loans | 2.6736% | 1,378 |
| Net loans and leases to total assets | 48.9993% | 5,194 |
| Net loans and leases to deposits | 54.8849% | 5,394 |
| Net loans and leases to core deposits | 59.6201% | 5,245 |
| Total domestic deposits to total assets | 89.2765% | 1,443 |
| Equity capital to assets | 9.1145% | 4,906 |
| Core capital (leverage) ratio | 8.8018% | 5,274 |
| Tier 1 risk-based capital ratio | 16.3189% | 2,956 |
| Total risk-based capital ratio | 17.1131% | 3,126 |
| Memoranda: | ||
| Average total assets | $168,878,600 | 3,426 |
| Average earning assets | $153,284,200 | 3,450 |
| Average equity | $15,444,000 | 3,792 |
| Average total loans | $88,669,000 | 3,722 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 5,194 |
| Cost of funding earning assets | 0.2750% | 5,927 |
| Net interest margin | 3.4123% | 4,238 |
| Noninterest income to average assets | 0.5247% | 3,635 |
| Noninterest expense to average assets | 2.3528% | 5,174 |
| Loan and lease loss provision to assets | 0.0317% | 4,376 |
| Net operating income to assets | 0.9077% | 2,793 |
| Return on assets (ROA) | 0.9077% | 2,902 |
| Pretax return on assets | 1.2338% | 2,568 |
| Return on Equity (ROE) | 9.9173% | 2,216 |
| Retained earnings to average equity (ytd only) | 2.1357% | 5,034 |
| Net charge-offs to loans | 0.0460% | 4,251 |
| Credit loss provision to net charge-offs | 129.0323% | 1,826 |
| Earnings coverage of net charge-offs (x) | 51.5836% | 848 |
| Efficiency ratio | 65.0262% | 4,642 |
| Assets per employee ($millions) | 3.6535% | 4,552 |
| Cash dividends to net income (ytd only)* | 78.4653% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,178 |
| Loan loss allowance to noncurrent loans | 37.8601% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 1.6206% | 2,525 |
| Noncurrent loans to loans | 2.2538% | 1,948 |
| Net loans and leases to total assets | 48.7640% | 5,268 |
| Net loans and leases to deposits | 54.4341% | 5,496 |
| Net loans and leases to core deposits | 58.9715% | 5,371 |
| Total domestic deposits to total assets | 89.5837% | 1,236 |
| Equity capital to assets | 8.8699% | 5,332 |
| Core capital (leverage) ratio | 8.7874% | 5,427 |
| Tier 1 risk-based capital ratio | 15.9337% | 3,231 |
| Total risk-based capital ratio | 16.7138% | 3,444 |
| Memoranda: | ||
| Average total assets | $168,479,250 | 3,477 |
| Average earning assets | $152,739,750 | 3,488 |
| Average equity | $15,420,500 | 3,843 |
| Average total loans | $89,769,500 | 3,724 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,987 |
| Cost of funding earning assets | 0.2793% | 5,988 |
| Net interest margin | 3.4705% | 3,923 |
| Noninterest income to average assets | 0.5464% | 3,523 |
| Noninterest expense to average assets | 2.4274% | 4,970 |
| Loan and lease loss provision to assets | 0.0481% | 4,013 |
| Net operating income to assets | 0.8942% | 2,831 |
| Return on assets (ROA) | 0.8942% | 2,977 |
| Pretax return on assets | 1.2107% | 2,623 |
| Return on Equity (ROE) | 9.6646% | 2,340 |
| Retained earnings to average equity (ytd only) | 1.8601% | 5,087 |
| Net charge-offs to loans | 0.0924% | 3,439 |
| Credit loss provision to net charge-offs | 95.2381% | 2,328 |
| Earnings coverage of net charge-offs (x) | 24.9048% | 1,283 |
| Efficiency ratio | 65.8505% | 4,578 |
| Assets per employee ($millions) | 3.6004% | 4,624 |
| Cash dividends to net income (ytd only)* | 80.7537% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 6,340 |
| Loan loss allowance to noncurrent loans | 39.2316% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 2,675 |
| Noncurrent loans to loans | 2.0581% | 2,326 |
| Net loans and leases to total assets | 52.6342% | 4,786 |
| Net loans and leases to deposits | 58.9465% | 5,077 |
| Net loans and leases to core deposits | 62.7162% | 5,034 |
| Total domestic deposits to total assets | 89.2914% | 1,453 |
| Equity capital to assets | 9.1302% | 5,064 |
| Core capital (leverage) ratio | 8.9497% | 5,076 |
| Tier 1 risk-based capital ratio | 15.7055% | 3,363 |
| Total risk-based capital ratio | 16.4687% | 3,604 |
| Memoranda: | ||
| Average total assets | $166,182,670 | 3,524 |
| Average earning assets | $150,354,330 | 3,544 |
| Average equity | $15,375,670 | 3,874 |
| Average total loans | $90,941,670 | 3,704 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 4,885 |
| Cost of funding earning assets | 0.2743% | 6,137 |
| Net interest margin | 3.5069% | 3,666 |
| Noninterest income to average assets | 0.5903% | 3,190 |
| Noninterest expense to average assets | 2.5846% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8818% | 2,740 |
| Return on assets (ROA) | 0.8818% | 2,886 |
| Pretax return on assets | 1.1733% | 2,675 |
| Return on Equity (ROE) | 9.4664% | 2,286 |
| Retained earnings to average equity (ytd only) | 1.6429% | 5,158 |
| Net charge-offs to loans | 0.0131% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 251 |
| Efficiency ratio | 68.7783% | 4,181 |
| Assets per employee ($millions) | 3.6246% | 4,726 |
| Cash dividends to net income (ytd only)* | 82.6446% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 6,471 |
| Loan loss allowance to noncurrent loans | 27.1466% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 1.5761% | 2,898 |
| Noncurrent loans to loans | 2.9096% | 1,727 |
| Net loans and leases to total assets | 53.3814% | 4,503 |
| Net loans and leases to deposits | 59.6822% | 4,833 |
| Net loans and leases to core deposits | 63.4690% | 4,794 |
| Total domestic deposits to total assets | 89.4428% | 1,388 |
| Equity capital to assets | 9.0222% | 5,458 |
| Core capital (leverage) ratio | 9.2761% | 4,440 |
| Tier 1 risk-based capital ratio | 15.0214% | 3,825 |
| Total risk-based capital ratio | 15.7547% | 4,140 |
| Memoranda: | ||
| Average total assets | $164,664,500 | 3,586 |
| Average earning assets | $148,733,500 | 3,615 |
| Average equity | $15,338,500 | 3,936 |
| Average total loans | $91,516,500 | 3,704 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 4,666 |
| Cost of funding earning assets | 0.3342% | 6,298 |
| Net interest margin | 3.8444% | 3,048 |
| Noninterest income to average assets | 0.5488% | 3,590 |
| Noninterest expense to average assets | 2.6668% | 4,520 |
| Loan and lease loss provision to assets | 0.0096% | 5,799 |
| Net operating income to assets | 0.9999% | 2,333 |
| Return on assets (ROA) | 0.9999% | 2,558 |
| Pretax return on assets | 1.3096% | 2,359 |
| Return on Equity (ROE) | 10.3091% | 2,044 |
| Retained earnings to average equity (ytd only) | 2.3586% | 4,573 |
| Net charge-offs to loans | -0.0044% | 6,378 |
| Credit loss provision to net charge-offs | -375.0000% | 6,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9031% | 4,347 |
| Assets per employee ($millions) | 3.3824% | 5,256 |
| Cash dividends to net income (ytd only)* | 77.1208% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 6,497 |
| Loan loss allowance to noncurrent loans | 54.7440% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 4,359 |
| Noncurrent loans to loans | 1.4534% | 3,418 |
| Net loans and leases to total assets | 57.0182% | 4,118 |
| Net loans and leases to deposits | 64.2594% | 4,501 |
| Net loans and leases to core deposits | 68.4253% | 4,492 |
| Total domestic deposits to total assets | 88.7313% | 1,747 |
| Equity capital to assets | 9.6287% | 4,694 |
| Core capital (leverage) ratio | 9.2968% | 4,424 |
| Tier 1 risk-based capital ratio | 15.1328% | 3,653 |
| Total risk-based capital ratio | 15.8857% | 3,901 |
| Memoranda: | ||
| Average total assets | $155,618,000 | 3,690 |
| Average earning assets | $139,138,000 | 3,740 |
| Average equity | $15,093,400 | 3,945 |
| Average total loans | $90,454,600 | 3,737 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 5,096 |
| Cost of funding earning assets | 0.3465% | 6,394 |
| Net interest margin | 3.7780% | 3,430 |
| Noninterest income to average assets | 0.5530% | 3,591 |
| Noninterest expense to average assets | 2.6601% | 4,524 |
| Loan and lease loss provision to assets | 0.0129% | 5,655 |
| Net operating income to assets | 0.9398% | 2,799 |
| Return on assets (ROA) | 0.9398% | 3,020 |
| Pretax return on assets | 1.2611% | 2,748 |
| Return on Equity (ROE) | 9.6717% | 2,509 |
| Retained earnings to average equity (ytd only) | 1.6932% | 5,484 |
| Net charge-offs to loans | -0.0163% | 6,454 |
| Credit loss provision to net charge-offs | -136.3636% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6155% | 4,149 |
| Assets per employee ($millions) | 3.3326% | 5,358 |
| Cash dividends to net income (ytd only)* | 82.4931% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 6,593 |
| Loan loss allowance to noncurrent loans | 41.8950% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 3,961 |
| Noncurrent loans to loans | 1.9176% | 2,940 |
| Net loans and leases to total assets | 57.8618% | 4,158 |
| Net loans and leases to deposits | 65.2021% | 4,569 |
| Net loans and leases to core deposits | 69.4960% | 4,562 |
| Total domestic deposits to total assets | 88.7423% | 1,571 |
| Equity capital to assets | 9.6674% | 4,963 |
| Core capital (leverage) ratio | 9.2717% | 4,641 |
| Tier 1 risk-based capital ratio | 14.8797% | 3,935 |
| Total risk-based capital ratio | 15.6358% | 4,244 |
| Memoranda: | ||
| Average total assets | $154,779,500 | 3,739 |
| Average earning assets | $138,516,750 | 3,781 |
| Average equity | $15,040,000 | 3,990 |
| Average total loans | $90,225,750 | 3,782 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 5,376 |
| Cost of funding earning assets | 0.3566% | 6,482 |
| Net interest margin | 3.7273% | 3,695 |
| Noninterest income to average assets | 0.5682% | 3,463 |
| Noninterest expense to average assets | 2.6984% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9029% | 2,895 |
| Return on assets (ROA) | 0.9029% | 3,165 |
| Pretax return on assets | 1.2052% | 2,902 |
| Return on Equity (ROE) | 9.2763% | 2,677 |
| Retained earnings to average equity (ytd only) | 1.2795% | 5,558 |
| Net charge-offs to loans | -0.0089% | 6,267 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1260% | 3,909 |
| Assets per employee ($millions) | 3.2973% | 5,450 |
| Cash dividends to net income (ytd only)* | 86.2069% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 6,697 |
| Loan loss allowance to noncurrent loans | 41.2993% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 4,032 |
| Noncurrent loans to loans | 1.9083% | 3,063 |
| Net loans and leases to total assets | 57.8346% | 4,192 |
| Net loans and leases to deposits | 65.1845% | 4,621 |
| Net loans and leases to core deposits | 69.5136% | 4,590 |
| Total domestic deposits to total assets | 88.7245% | 1,689 |
| Equity capital to assets | 9.7094% | 4,746 |
| Core capital (leverage) ratio | 9.4341% | 4,243 |
| Tier 1 risk-based capital ratio | 14.9518% | 3,795 |
| Total risk-based capital ratio | 15.6936% | 4,107 |
| Memoranda: | ||
| Average total assets | $154,162,670 | 3,767 |
| Average earning assets | $137,954,000 | 3,811 |
| Average equity | $15,006,000 | 3,986 |
| Average total loans | $89,846,670 | 3,810 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 5,490 |
| Cost of funding earning assets | 0.3721% | 6,542 |
| Net interest margin | 3.7183% | 3,747 |
| Noninterest income to average assets | 0.5879% | 3,309 |
| Noninterest expense to average assets | 2.6431% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9600% | 2,640 |
| Return on assets (ROA) | 0.9600% | 2,843 |
| Pretax return on assets | 1.2721% | 2,645 |
| Return on Equity (ROE) | 9.8495% | 2,455 |
| Retained earnings to average equity (ytd only) | 1.8418% | 5,326 |
| Net charge-offs to loans | -0.1027% | 6,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5083% | 4,271 |
| Assets per employee ($millions) | 3.2976% | 5,571 |
| Cash dividends to net income (ytd only)* | 81.3008% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 6,714 |
| Loan loss allowance to noncurrent loans | 41.5341% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 4,106 |
| Noncurrent loans to loans | 1.9608% | 3,209 |
| Net loans and leases to total assets | 57.4426% | 4,138 |
| Net loans and leases to deposits | 64.7048% | 4,533 |
| Net loans and leases to core deposits | 68.9990% | 4,562 |
| Total domestic deposits to total assets | 88.7764% | 1,829 |
| Equity capital to assets | 9.6912% | 4,535 |
| Core capital (leverage) ratio | 9.4615% | 4,097 |
| Tier 1 risk-based capital ratio | 14.8327% | 3,869 |
| Total risk-based capital ratio | 15.5924% | 4,185 |
| Memoranda: | ||
| Average total assets | $153,757,500 | 3,809 |
| Average earning assets | $137,591,500 | 3,855 |
| Average equity | $14,985,500 | 3,993 |
| Average total loans | $89,600,000 | 3,839 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 4,978 |
| Cost of funding earning assets | 0.5037% | 6,512 |
| Net interest margin | 4.0210% | 2,780 |
| Noninterest income to average assets | 0.6764% | 2,747 |
| Noninterest expense to average assets | 2.8863% | 4,014 |
| Loan and lease loss provision to assets | 0.0870% | 5,506 |
| Net operating income to assets | 0.9606% | 2,357 |
| Return on assets (ROA) | 0.9606% | 2,489 |
| Pretax return on assets | 1.3011% | 2,128 |
| Return on Equity (ROE) | 9.8215% | 2,119 |
| Retained earnings to average equity (ytd only) | 2.6946% | 4,316 |
| Net charge-offs to loans | 0.1316% | 5,097 |
| Credit loss provision to net charge-offs | 108.2645% | 3,116 |
| Earnings coverage of net charge-offs (x) | 17.2810% | 1,279 |
| Efficiency ratio | 67.5260% | 4,461 |
| Assets per employee ($millions) | 3.4666% | 5,106 |
| Cash dividends to net income (ytd only)* | 72.5639% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 6,762 |
| Loan loss allowance to noncurrent loans | 37.8407% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 4,051 |
| Noncurrent loans to loans | 2.0919% | 3,076 |
| Net loans and leases to total assets | 58.1745% | 4,342 |
| Net loans and leases to deposits | 65.6091% | 4,785 |
| Net loans and leases to core deposits | 70.1131% | 4,763 |
| Total domestic deposits to total assets | 88.6684% | 1,737 |
| Equity capital to assets | 9.8021% | 4,444 |
| Core capital (leverage) ratio | 9.3577% | 4,241 |
| Tier 1 risk-based capital ratio | 14.8364% | 3,736 |
| Total risk-based capital ratio | 15.5795% | 4,055 |
| Memoranda: | ||
| Average total assets | $150,642,400 | 3,785 |
| Average earning assets | $134,791,800 | 3,842 |
| Average equity | $14,733,000 | 3,962 |
| Average total loans | $91,918,600 | 3,813 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 4,510 |
| Cost of funding earning assets | 0.5358% | 6,560 |
| Net interest margin | 4.1533% | 2,266 |
| Noninterest income to average assets | 0.6357% | 2,962 |
| Noninterest expense to average assets | 2.9779% | 3,643 |
| Loan and lease loss provision to assets | 0.1163% | 4,979 |
| Net operating income to assets | 0.9251% | 2,648 |
| Return on assets (ROA) | 0.9251% | 2,793 |
| Pretax return on assets | 1.2581% | 2,436 |
| Return on Equity (ROE) | 9.4649% | 2,403 |
| Retained earnings to average equity (ytd only) | 2.6523% | 4,768 |
| Net charge-offs to loans | 0.1268% | 4,777 |
| Credit loss provision to net charge-offs | 148.8636% | 2,114 |
| Earnings coverage of net charge-offs (x) | 17.5910% | 1,343 |
| Efficiency ratio | 68.4211% | 4,233 |
| Assets per employee ($millions) | 3.4126% | 5,218 |
| Cash dividends to net income (ytd only)* | 71.9773% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 6,806 |
| Loan loss allowance to noncurrent loans | 39.2479% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 4,149 |
| Noncurrent loans to loans | 2.0636% | 3,286 |
| Net loans and leases to total assets | 60.4377% | 4,051 |
| Net loans and leases to deposits | 68.1867% | 4,568 |
| Net loans and leases to core deposits | 72.8656% | 4,597 |
| Total domestic deposits to total assets | 88.6356% | 1,670 |
| Equity capital to assets | 9.8872% | 4,495 |
| Core capital (leverage) ratio | 9.3220% | 4,421 |
| Tier 1 risk-based capital ratio | 14.2172% | 4,184 |
| Total risk-based capital ratio | 14.9681% | 4,526 |
| Memoranda: | ||
| Average total assets | $150,170,750 | 3,822 |
| Average earning assets | $134,379,250 | 3,878 |
| Average equity | $14,678,500 | 3,987 |
| Average total loans | $92,538,000 | 3,835 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 4,216 |
| Cost of funding earning assets | 0.5523% | 6,653 |
| Net interest margin | 4.2163% | 1,971 |
| Noninterest income to average assets | 0.6499% | 2,842 |
| Noninterest expense to average assets | 3.1017% | 3,248 |
| Loan and lease loss provision to assets | 0.1532% | 4,397 |
| Net operating income to assets | 0.8510% | 2,854 |
| Return on assets (ROA) | 0.8510% | 2,949 |
| Pretax return on assets | 1.1666% | 2,613 |
| Return on Equity (ROE) | 8.7399% | 2,623 |
| Retained earnings to average equity (ytd only) | 1.9012% | 5,029 |
| Net charge-offs to loans | 0.2821% | 3,470 |
| Credit loss provision to net charge-offs | 87.7863% | 3,524 |
| Earnings coverage of net charge-offs (x) | 7.5649% | 2,199 |
| Efficiency ratio | 70.1506% | 4,088 |
| Assets per employee ($millions) | 3.4445% | 5,090 |
| Cash dividends to net income (ytd only)* | 78.2473% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 6,964 |
| Loan loss allowance to noncurrent loans | 35.7255% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 1.3401% | 4,218 |
| Noncurrent loans to loans | 2.0754% | 3,381 |
| Net loans and leases to total assets | 60.2423% | 4,230 |
| Net loans and leases to deposits | 67.7742% | 4,744 |
| Net loans and leases to core deposits | 72.3637% | 4,774 |
| Total domestic deposits to total assets | 88.8868% | 1,606 |
| Equity capital to assets | 9.6946% | 4,543 |
| Core capital (leverage) ratio | 9.1872% | 4,434 |
| Tier 1 risk-based capital ratio | 13.8263% | 4,288 |
| Total risk-based capital ratio | 14.5057% | 4,700 |
| Memoranda: | ||
| Average total assets | $150,176,670 | 3,845 |
| Average earning assets | $134,335,330 | 3,900 |
| Average equity | $14,622,670 | 3,977 |
| Average total loans | $92,887,330 | 3,863 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 4,223 |
| Cost of funding earning assets | 0.5655% | 6,739 |
| Net interest margin | 4.2011% | 1,886 |
| Noninterest income to average assets | 0.7118% | 2,507 |
| Noninterest expense to average assets | 3.1762% | 2,978 |
| Loan and lease loss provision to assets | 0.3077% | 2,706 |
| Net operating income to assets | 0.8482% | 2,786 |
| Return on assets (ROA) | 0.8482% | 2,844 |
| Pretax return on assets | 0.9847% | 3,180 |
| Return on Equity (ROE) | 8.6924% | 2,613 |
| Retained earnings to average equity (ytd only) | 1.8372% | 5,011 |
| Net charge-offs to loans | 0.4971% | 2,234 |
| Credit loss provision to net charge-offs | 99.1379% | 2,749 |
| Earnings coverage of net charge-offs (x) | 4.1638% | 2,549 |
| Efficiency ratio | 71.0778% | 4,039 |
| Assets per employee ($millions) | 3.4923% | 5,014 |
| Cash dividends to net income (ytd only)* | 78.8644% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 6,995 |
| Loan loss allowance to noncurrent loans | 34.2338% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 1.4252% | 4,140 |
| Noncurrent loans to loans | 2.2112% | 3,303 |
| Net loans and leases to total assets | 59.4700% | 4,370 |
| Net loans and leases to deposits | 66.7365% | 4,870 |
| Net loans and leases to core deposits | 71.3351% | 4,882 |
| Total domestic deposits to total assets | 89.1116% | 1,701 |
| Equity capital to assets | 9.5152% | 4,409 |
| Core capital (leverage) ratio | 9.3826% | 3,992 |
| Tier 1 risk-based capital ratio | 13.7133% | 4,270 |
| Total risk-based capital ratio | 14.4056% | 4,681 |
| Memoranda: | ||
| Average total assets | $149,486,000 | 3,883 |
| Average earning assets | $133,680,000 | 3,941 |
| Average equity | $14,587,500 | 3,976 |
| Average total loans | $93,339,000 | 3,894 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 5,957 |
| Cost of funding earning assets | 0.9200% | 6,086 |
| Net interest margin | 3.7287% | 4,235 |
| Noninterest income to average assets | 0.6322% | 3,268 |
| Noninterest expense to average assets | 2.9638% | 3,982 |
| Loan and lease loss provision to assets | 0.0516% | 6,639 |
| Net operating income to assets | 0.7455% | 3,018 |
| Return on assets (ROA) | 0.7455% | 3,141 |
| Pretax return on assets | 0.9587% | 3,068 |
| Return on Equity (ROE) | 7.6799% | 2,822 |
| Retained earnings to average equity (ytd only) | 0.0829% | 5,546 |
| Net charge-offs to loans | 0.0835% | 5,996 |
| Credit loss provision to net charge-offs | 97.4684% | 4,756 |
| Earnings coverage of net charge-offs (x) | 19.0759% | 1,080 |
| Efficiency ratio | 74.5783% | 3,280 |
| Assets per employee ($millions) | 3.3026% | 5,424 |
| Cash dividends to net income (ytd only)* | 98.9209% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 7,070 |
| Loan loss allowance to noncurrent loans | 29.1806% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 3,776 |
| Noncurrent loans to loans | 2.5285% | 2,997 |
| Net loans and leases to total assets | 64.6205% | 3,745 |
| Net loans and leases to deposits | 72.9279% | 4,364 |
| Net loans and leases to core deposits | 78.4583% | 4,401 |
| Total domestic deposits to total assets | 88.6087% | 1,885 |
| Equity capital to assets | 10.0156% | 3,727 |
| Core capital (leverage) ratio | 9.3821% | 3,878 |
| Tier 1 risk-based capital ratio | 13.3909% | 4,295 |
| Total risk-based capital ratio | 14.0722% | 4,724 |
| Memoranda: | ||
| Average total assets | $149,165,000 | 3,889 |
| Average earning assets | $133,692,400 | 3,935 |
| Average equity | $14,479,400 | 4,032 |
| Average total loans | $94,583,200 | 3,937 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 6,422 |
| Cost of funding earning assets | 1.0057% | 5,914 |
| Net interest margin | 3.5614% | 5,056 |
| Noninterest income to average assets | 0.6758% | 2,976 |
| Noninterest expense to average assets | 3.0062% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6812% | 3,504 |
| Return on assets (ROA) | 0.6812% | 3,662 |
| Pretax return on assets | 0.8650% | 3,683 |
| Return on Equity (ROE) | 7.0718% | 3,311 |
| Retained earnings to average equity (ytd only) | -0.7652% | 5,978 |
| Net charge-offs to loans | 0.0888% | 5,642 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 15.4599% | 1,438 |
| Efficiency ratio | 77.6554% | 2,668 |
| Assets per employee ($millions) | 3.1874% | 5,705 |
| Cash dividends to net income (ytd only)* | 110.8220% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 7,258 |
| Loan loss allowance to noncurrent loans | 18.9809% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 2.2496% | 3,136 |
| Noncurrent loans to loans | 3.5131% | 2,247 |
| Net loans and leases to total assets | 63.3433% | 4,245 |
| Net loans and leases to deposits | 71.1196% | 4,980 |
| Net loans and leases to core deposits | 79.5473% | 4,582 |
| Total domestic deposits to total assets | 89.0659% | 1,362 |
| Equity capital to assets | 9.6518% | 4,616 |
| Core capital (leverage) ratio | 9.5452% | 3,840 |
| Tier 1 risk-based capital ratio | 13.8374% | 3,956 |
| Total risk-based capital ratio | 14.4470% | 4,409 |
| Memoranda: | ||
| Average total assets | $150,128,000 | 3,922 |
| Average earning assets | $134,701,250 | 3,975 |
| Average equity | $14,460,750 | 4,100 |
| Average total loans | $94,579,000 | 4,008 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 6,703 |
| Cost of funding earning assets | 1.0806% | 5,785 |
| Net interest margin | 3.4242% | 5,540 |
| Noninterest income to average assets | 0.6523% | 3,000 |
| Noninterest expense to average assets | 2.9793% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6017% | 3,873 |
| Return on assets (ROA) | 0.6017% | 4,009 |
| Pretax return on assets | 0.7442% | 4,085 |
| Return on Equity (ROE) | 6.2512% | 3,673 |
| Retained earnings to average equity (ytd only) | -2.0468% | 6,151 |
| Net charge-offs to loans | 0.1464% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.1014% | 2,190 |
| Efficiency ratio | 80.0143% | 2,446 |
| Assets per employee ($millions) | 3.2222% | 5,631 |
| Cash dividends to net income (ytd only)* | 132.7434% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6696% | 7,303 |
| Loan loss allowance to noncurrent loans | 20.0317% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 2.2239% | 3,231 |
| Noncurrent loans to loans | 3.3425% | 2,390 |
| Net loans and leases to total assets | 61.8110% | 4,720 |
| Net loans and leases to deposits | 69.2707% | 5,379 |
| Net loans and leases to core deposits | 78.0446% | 4,944 |
| Total domestic deposits to total assets | 89.2310% | 1,315 |
| Equity capital to assets | 9.5045% | 4,694 |
| Core capital (leverage) ratio | 9.4449% | 3,907 |
| Tier 1 risk-based capital ratio | 14.0230% | 3,717 |
| Total risk-based capital ratio | 14.6377% | 4,110 |
| Memoranda: | ||
| Average total assets | $150,235,330 | 3,951 |
| Average earning assets | $134,745,330 | 4,008 |
| Average equity | $14,461,330 | 4,098 |
| Average total loans | $94,262,330 | 4,055 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 6,960 |
| Cost of funding earning assets | 1.1627% | 5,588 |
| Net interest margin | 3.2586% | 6,102 |
| Noninterest income to average assets | 0.6255% | 3,116 |
| Noninterest expense to average assets | 2.8951% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5507% | 4,135 |
| Return on assets (ROA) | 0.5507% | 4,270 |
| Pretax return on assets | 0.6523% | 4,403 |
| Return on Equity (ROE) | 5.6847% | 4,020 |
| Retained earnings to average equity (ytd only) | -2.5940% | 6,311 |
| Net charge-offs to loans | 0.4795% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.1593% | 3,456 |
| Efficiency ratio | 81.6127% | 2,335 |
| Assets per employee ($millions) | 3.2085% | 5,748 |
| Cash dividends to net income (ytd only)* | 145.6311% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6249% | 7,467 |
| Loan loss allowance to noncurrent loans | 19.1392% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 2.1996% | 3,277 |
| Noncurrent loans to loans | 3.2651% | 2,446 |
| Net loans and leases to total assets | 61.9014% | 4,779 |
| Net loans and leases to deposits | 69.3940% | 5,422 |
| Net loans and leases to core deposits | 75.9701% | 5,262 |
| Total domestic deposits to total assets | 89.2028% | 1,416 |
| Equity capital to assets | 9.5810% | 4,405 |
| Core capital (leverage) ratio | 9.7200% | 3,486 |
| Tier 1 risk-based capital ratio | 14.4161% | 3,430 |
| Total risk-based capital ratio | 15.0018% | 3,786 |
| Memoranda: | ||
| Average total assets | $149,631,000 | 4,014 |
| Average earning assets | $134,168,000 | 4,072 |
| Average equity | $14,495,000 | 4,128 |
| Average total loans | $94,273,500 | 4,117 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 6,540 |
| Cost of funding earning assets | 1.2913% | 6,338 |
| Net interest margin | 3.6737% | 4,246 |
| Noninterest income to average assets | 0.7511% | 2,671 |
| Noninterest expense to average assets | 3.2661% | 3,133 |
| Loan and lease loss provision to assets | 0.0178% | 7,323 |
| Net operating income to assets | 0.8701% | 2,280 |
| Return on assets (ROA) | 0.8701% | 2,342 |
| Pretax return on assets | 0.7397% | 3,445 |
| Return on Equity (ROE) | 8.3704% | 2,247 |
| Retained earnings to average equity (ytd only) | -0.6787% | 5,168 |
| Net charge-offs to loans | -0.0034% | 7,709 |
| Credit loss provision to net charge-offs | -833.3333% | 7,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1725% | 2,716 |
| Assets per employee ($millions) | 3.1588% | 5,830 |
| Cash dividends to net income (ytd only)* | 108.1081% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 7,266 |
| Loan loss allowance to noncurrent loans | 28.4168% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 1.8469% | 3,599 |
| Noncurrent loans to loans | 2.6370% | 2,917 |
| Net loans and leases to total assets | 63.2510% | 4,761 |
| Net loans and leases to deposits | 71.2108% | 5,441 |
| Net loans and leases to core deposits | 85.8772% | 5,528 |
| Total domestic deposits to total assets | 88.8222% | 1,558 |
| Equity capital to assets | 9.7950% | 4,011 |
| Core capital (leverage) ratio | 9.8639% | 3,252 |
| Tier 1 risk-based capital ratio | 14.4144% | 3,254 |
| Total risk-based capital ratio | 15.1172% | 3,535 |
| Memoranda: | ||
| Average total assets | $140,321,000 | 4,120 |
| Average earning assets | $124,995,000 | 4,190 |
| Average equity | $14,587,200 | 4,129 |
| Average total loans | $88,680,400 | 4,249 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 6,561 |
| Cost of funding earning assets | 1.2873% | 6,593 |
| Net interest margin | 3.7266% | 3,964 |
| Noninterest income to average assets | 0.7453% | 2,732 |
| Noninterest expense to average assets | 3.2936% | 2,942 |
| Loan and lease loss provision to assets | 0.0241% | 7,114 |
| Net operating income to assets | 0.8774% | 2,507 |
| Return on assets (ROA) | 0.8774% | 2,588 |
| Pretax return on assets | 0.7434% | 3,716 |
| Return on Equity (ROE) | 8.3111% | 2,512 |
| Retained earnings to average equity (ytd only) | -1.0046% | 5,489 |
| Net charge-offs to loans | 0.0489% | 6,231 |
| Credit loss provision to net charge-offs | 78.1250% | 5,808 |
| Earnings coverage of net charge-offs (x) | 24.8725% | 1,078 |
| Efficiency ratio | 81.1016% | 2,700 |
| Assets per employee ($millions) | 3.1337% | 5,825 |
| Cash dividends to net income (ytd only)* | 112.0885% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 7,245 |
| Loan loss allowance to noncurrent loans | 30.7342% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 1.6566% | 3,885 |
| Noncurrent loans to loans | 2.4576% | 3,063 |
| Net loans and leases to total assets | 60.1279% | 5,562 |
| Net loans and leases to deposits | 67.6031% | 6,164 |
| Net loans and leases to core deposits | 81.7208% | 6,210 |
| Total domestic deposits to total assets | 88.9426% | 1,224 |
| Equity capital to assets | 9.8672% | 4,244 |
| Core capital (leverage) ratio | 10.3898% | 2,892 |
| Tier 1 risk-based capital ratio | 15.1782% | 2,965 |
| Total risk-based capital ratio | 15.8822% | 3,158 |
| Memoranda: | ||
| Average total assets | $138,285,250 | 4,179 |
| Average earning assets | $123,041,750 | 4,271 |
| Average equity | $14,598,500 | 4,169 |
| Average total loans | $87,197,000 | 4,334 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 6,146 |
| Cost of funding earning assets | 1.2905% | 6,836 |
| Net interest margin | 3.8899% | 3,156 |
| Noninterest income to average assets | 0.7407% | 2,752 |
| Noninterest expense to average assets | 3.3795% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9240% | 2,366 |
| Return on assets (ROA) | 0.9240% | 2,459 |
| Pretax return on assets | 0.8101% | 3,640 |
| Return on Equity (ROE) | 8.5497% | 2,542 |
| Retained earnings to average equity (ytd only) | -0.7524% | 5,415 |
| Net charge-offs to loans | 0.0162% | 6,301 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 78.2857% | 490 |
| Efficiency ratio | 80.6634% | 2,940 |
| Assets per employee ($millions) | 2.8433% | 6,529 |
| Cash dividends to net income (ytd only)* | 108.8000% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 7,251 |
| Loan loss allowance to noncurrent loans | 35.8320% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 1.5542% | 3,894 |
| Noncurrent loans to loans | 2.1504% | 3,312 |
| Net loans and leases to total assets | 64.9528% | 4,771 |
| Net loans and leases to deposits | 73.9924% | 5,454 |
| Net loans and leases to core deposits | 84.5640% | 6,043 |
| Total domestic deposits to total assets | 87.7830% | 1,886 |
| Equity capital to assets | 10.9164% | 3,004 |
| Core capital (leverage) ratio | 10.8305% | 2,542 |
| Tier 1 risk-based capital ratio | 15.5831% | 2,782 |
| Total risk-based capital ratio | 16.3031% | 2,932 |
| Memoranda: | ||
| Average total assets | $135,285,000 | 4,273 |
| Average earning assets | $119,953,000 | 4,366 |
| Average equity | $14,620,330 | 4,179 |
| Average total loans | $86,518,000 | 4,380 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 5,863 |
| Cost of funding earning assets | 1.3138% | 6,981 |
| Net interest margin | 3.9944% | 2,663 |
| Noninterest income to average assets | 0.7024% | 2,876 |
| Noninterest expense to average assets | 3.3767% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9610% | 2,476 |
| Return on assets (ROA) | 0.9610% | 2,601 |
| Pretax return on assets | 0.8640% | 3,847 |
| Return on Equity (ROE) | 8.9366% | 2,746 |
| Retained earnings to average equity (ytd only) | -0.3553% | 5,731 |
| Net charge-offs to loans | 0.0325% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 814 |
| Efficiency ratio | 79.6258% | 2,879 |
| Assets per employee ($millions) | 2.9945% | 6,168 |
| Cash dividends to net income (ytd only)* | 103.9755% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 7,246 |
| Loan loss allowance to noncurrent loans | 40.3110% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 4,010 |
| Noncurrent loans to loans | 1.9169% | 3,383 |
| Net loans and leases to total assets | 61.4959% | 5,417 |
| Net loans and leases to deposits | 69.5432% | 6,018 |
| Net loans and leases to core deposits | 78.3996% | 6,507 |
| Total domestic deposits to total assets | 88.4284% | 1,515 |
| Equity capital to assets | 10.3950% | 3,565 |
| Core capital (leverage) ratio | 10.9074% | 2,577 |
| Tier 1 risk-based capital ratio | 15.7853% | 2,759 |
| Total risk-based capital ratio | 16.5126% | 2,892 |
| Memoranda: | ||
| Average total assets | $136,110,500 | 4,283 |
| Average earning assets | $120,567,500 | 4,368 |
| Average equity | $14,636,500 | 4,205 |
| Average total loans | $86,040,500 | 4,424 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 6,641 |
| Cost of funding earning assets | 1.8316% | 6,926 |
| Net interest margin | 3.9082% | 3,518 |
| Noninterest income to average assets | 0.8864% | 2,023 |
| Noninterest expense to average assets | 3.2833% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0560% | 2,327 |
| Return on assets (ROA) | 1.0560% | 2,226 |
| Pretax return on assets | 1.0112% | 3,339 |
| Return on Equity (ROE) | 9.8630% | 2,310 |
| Retained earnings to average equity (ytd only) | 0.5350% | 4,917 |
| Net charge-offs to loans | 0.2301% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.0979% | 3,189 |
| Efficiency ratio | 76.4535% | 3,157 |
| Assets per employee ($millions) | 2.7974% | 6,565 |
| Cash dividends to net income (ytd only)* | 94.5758% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 7,101 |
| Loan loss allowance to noncurrent loans | 43.4866% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3401% | 3,538 |
| Noncurrent loans to loans | 1.8455% | 2,994 |
| Net loans and leases to total assets | 64.0219% | 5,270 |
| Net loans and leases to deposits | 73.0707% | 5,944 |
| Net loans and leases to core deposits | 83.0900% | 6,375 |
| Total domestic deposits to total assets | 87.6164% | 1,663 |
| Equity capital to assets | 11.1371% | 2,938 |
| Core capital (leverage) ratio | 10.8991% | 2,671 |
| Tier 1 risk-based capital ratio | 16.4858% | 2,494 |
| Total risk-based capital ratio | 17.2525% | 2,611 |
| Memoranda: | ||
| Average total assets | $136,175,800 | 4,158 |
| Average earning assets | $118,751,000 | 4,296 |
| Average equity | $14,579,800 | 4,226 |
| Average total loans | $84,318,600 | 4,388 |