Home > The Wanda State Bank > Performance and Condition Ratios
The Wanda State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 3,793 |
| Cost of funding earning assets | 1.3078% | 2,496 |
| Net interest margin | 2.7985% | 3,668 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.7866% | 4,021 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7167% | 3,142 |
| Return on assets (ROA) | 0.7167% | 3,122 |
| Pretax return on assets | 1.0105% | 2,655 |
| Return on Equity (ROE) | 5.9900% | 3,520 |
| Retained earnings to average equity (ytd only) | 4.4222% | 2,821 |
| Net charge-offs to loans | 0.0029% | 2,679 |
| Credit loss provision to net charge-offs | 3,333.3333% | 153 |
| Earnings coverage of net charge-offs (x) | 646.6667% | 226 |
| Efficiency ratio | 62.6420% | 2,764 |
| Assets per employee ($millions) | 13.2371% | 310 |
| Cash dividends to net income (ytd only)* | 26.2069% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 568 |
| Loan loss allowance to noncurrent loans | 1,836.1111% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,192 |
| Noncurrent loans to loans | 0.0965% | 3,057 |
| Net loans and leases to total assets | 59.3400% | 2,901 |
| Net loans and leases to deposits | 68.4024% | 2,998 |
| Net loans and leases to core deposits | 76.3879% | 2,950 |
| Total domestic deposits to total assets | 86.7600% | 1,766 |
| Equity capital to assets | 12.4968% | 993 |
| Core capital (leverage) ratio | 15.4887% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $182,080,400 | 3,107 |
| Average earning assets | $165,233,600 | 3,137 |
| Average equity | $21,776,400 | 2,714 |
| Average total loans | $102,246,200 | 3,154 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,772 |
| Cost of funding earning assets | 1.2199% | 2,370 |
| Net interest margin | 2.8246% | 3,686 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.6925% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8709% | 2,792 |
| Return on assets (ROA) | 0.8709% | 2,778 |
| Pretax return on assets | 1.1526% | 2,410 |
| Return on Equity (ROE) | 7.3700% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,861 |
| Net charge-offs to loans | 0.0040% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 522.3333% | 300 |
| Efficiency ratio | 59.4881% | 3,024 |
| Assets per employee ($millions) | 12.8978% | 304 |
| Cash dividends to net income (ytd only)* | 28.8851% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 470 |
| Loan loss allowance to noncurrent loans | 558.7537% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 2,349 |
| Noncurrent loans to loans | 0.3417% | 2,007 |
| Net loans and leases to total assets | 53.5800% | 3,395 |
| Net loans and leases to deposits | 61.1815% | 3,448 |
| Net loans and leases to core deposits | 67.0483% | 3,378 |
| Total domestic deposits to total assets | 87.5800% | 1,710 |
| Equity capital to assets | 11.6183% | 1,146 |
| Core capital (leverage) ratio | 15.3686% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $181,270,500 | 3,124 |
| Average earning assets | $165,259,750 | 3,145 |
| Average equity | $21,430,750 | 2,727 |
| Average total loans | $99,817,500 | 3,179 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 3,750 |
| Cost of funding earning assets | 1.1108% | 2,250 |
| Net interest margin | 2.8589% | 3,715 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.7157% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9498% | 2,591 |
| Return on assets (ROA) | 0.9498% | 2,578 |
| Pretax return on assets | 1.2341% | 2,276 |
| Return on Equity (ROE) | 7.9900% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.8190% | 2,985 |
| Net charge-offs to loans | 0.0060% | 2,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 373.3333% | 382 |
| Efficiency ratio | 58.1621% | 3,174 |
| Assets per employee ($millions) | 13.2226% | 286 |
| Cash dividends to net income (ytd only)* | 39.6752% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 492 |
| Loan loss allowance to noncurrent loans | 980.7292% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 2,812 |
| Noncurrent loans to loans | 0.1938% | 2,498 |
| Net loans and leases to total assets | 52.5100% | 3,367 |
| Net loans and leases to deposits | 60.0426% | 3,413 |
| Net loans and leases to core deposits | 66.7972% | 3,304 |
| Total domestic deposits to total assets | 87.4500% | 1,789 |
| Equity capital to assets | 11.8212% | 1,097 |
| Core capital (leverage) ratio | 15.3513% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $181,504,333 | 3,128 |
| Average earning assets | $166,010,667 | 3,146 |
| Average equity | $21,581,333 | 2,733 |
| Average total loans | $100,212,333 | 3,171 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 3,448 |
| Cost of funding earning assets | 1.0023% | 2,041 |
| Net interest margin | 3.0022% | 3,592 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.5404% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0529% | 2,369 |
| Return on assets (ROA) | 1.0529% | 2,339 |
| Pretax return on assets | 1.3601% | 1,987 |
| Return on Equity (ROE) | 8.8300% | 3,097 |
| Retained earnings to average equity (ytd only) | 2.4451% | 3,616 |
| Net charge-offs to loans | 0.0119% | 1,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 203.6667% | 500 |
| Efficiency ratio | 53.1082% | 3,696 |
| Assets per employee ($millions) | 13.0410% | 308 |
| Cash dividends to net income (ytd only)* | 72.3044% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 557 |
| Loan loss allowance to noncurrent loans | 31,383.3333% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,879 |
| Noncurrent loans to loans | 0.0060% | 3,799 |
| Net loans and leases to total assets | 53.6200% | 3,229 |
| Net loans and leases to deposits | 61.3047% | 3,268 |
| Net loans and leases to core deposits | 66.9692% | 3,160 |
| Total domestic deposits to total assets | 87.4700% | 2,102 |
| Equity capital to assets | 11.9009% | 1,027 |
| Core capital (leverage) ratio | 14.8257% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $179,698,500 | 3,178 |
| Average earning assets | $164,414,000 | 3,201 |
| Average equity | $21,430,500 | 2,762 |
| Average total loans | $100,777,000 | 3,203 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0631% | 4,057 |
| Cost of funding earning assets | 0.3769% | 2,284 |
| Net interest margin | 2.6862% | 4,075 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.5950% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8195% | 3,259 |
| Return on assets (ROA) | 0.8195% | 3,195 |
| Pretax return on assets | 1.1875% | 2,479 |
| Return on Equity (ROE) | 6.7600% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.2107% | 2,958 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.3233% | 3,426 |
| Assets per employee ($millions) | 10.4014% | 590 |
| Cash dividends to net income (ytd only)* | 22.9223% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 591 |
| Loan loss allowance to noncurrent loans | 5,097.2973% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,637 |
| Noncurrent loans to loans | 0.0364% | 3,519 |
| Net loans and leases to total assets | 56.4900% | 2,976 |
| Net loans and leases to deposits | 64.4791% | 3,001 |
| Net loans and leases to core deposits | 69.5436% | 2,913 |
| Total domestic deposits to total assets | 87.6100% | 2,202 |
| Equity capital to assets | 11.9515% | 950 |
| Core capital (leverage) ratio | 15.0663% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $182,066,000 | 3,171 |
| Average earning assets | $168,490,000 | 3,173 |
| Average equity | $22,070,000 | 2,767 |
| Average total loans | $93,231,200 | 3,247 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8891% | 4,076 |
| Cost of funding earning assets | 0.2850% | 2,331 |
| Net interest margin | 2.6041% | 4,093 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.4774% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7860% | 3,313 |
| Return on assets (ROA) | 0.7860% | 3,263 |
| Pretax return on assets | 1.1030% | 2,710 |
| Return on Equity (ROE) | 6.4600% | 3,698 |
| Retained earnings to average equity (ytd only) | 4.4176% | 3,320 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.2556% | 3,482 |
| Assets per employee ($millions) | 10.8394% | 520 |
| Cash dividends to net income (ytd only)* | 31.6374% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 507 |
| Loan loss allowance to noncurrent loans | 365.5039% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 1,834 |
| Noncurrent loans to loans | 0.5474% | 1,446 |
| Net loans and leases to total assets | 50.1300% | 3,447 |
| Net loans and leases to deposits | 56.3934% | 3,448 |
| Net loans and leases to core deposits | 59.1093% | 3,446 |
| Total domestic deposits to total assets | 88.8900% | 2,136 |
| Equity capital to assets | 10.6068% | 1,329 |
| Core capital (leverage) ratio | 12.5511% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $183,376,750 | 3,183 |
| Average earning assets | $170,291,500 | 3,173 |
| Average equity | $22,304,250 | 2,795 |
| Average total loans | $91,097,000 | 3,281 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6898% | 4,156 |
| Cost of funding earning assets | 0.2428% | 2,362 |
| Net interest margin | 2.4470% | 4,164 |
| Noninterest income to average assets | 0.1704% | 4,157 |
| Noninterest expense to average assets | 1.4333% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6992% | 3,315 |
| Return on assets (ROA) | 0.6992% | 3,268 |
| Pretax return on assets | 1.0160% | 2,664 |
| Return on Equity (ROE) | 5.5115% | 3,700 |
| Retained earnings to average equity (ytd only) | 2.5663% | 3,596 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5192% | 3,484 |
| Assets per employee ($millions) | 11.6850% | 408 |
| Cash dividends to net income (ytd only)* | 53.4375% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 496 |
| Loan loss allowance to noncurrent loans | 997.8836% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 2,998 |
| Noncurrent loans to loans | 0.2060% | 2,687 |
| Net loans and leases to total assets | 48.0627% | 3,549 |
| Net loans and leases to deposits | 54.4686% | 3,508 |
| Net loans and leases to core deposits | 56.7762% | 3,506 |
| Total domestic deposits to total assets | 88.2392% | 2,484 |
| Equity capital to assets | 11.3142% | 1,094 |
| Core capital (leverage) ratio | 12.9138% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,079,333 | 3,217 |
| Average earning assets | $170,496,333 | 3,211 |
| Average equity | $23,224,000 | 2,801 |
| Average total loans | $90,043,000 | 3,327 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5883% | 4,143 |
| Cost of funding earning assets | 0.2506% | 2,155 |
| Net interest margin | 2.3377% | 4,175 |
| Noninterest income to average assets | 0.1722% | 4,135 |
| Noninterest expense to average assets | 1.4309% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7221% | 2,975 |
| Return on assets (ROA) | 0.7221% | 2,965 |
| Pretax return on assets | 0.9253% | 2,678 |
| Return on Equity (ROE) | 5.3917% | 3,516 |
| Retained earnings to average equity (ytd only) | -0.2473% | 4,047 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7310% | 3,407 |
| Assets per employee ($millions) | 12.5323% | 346 |
| Cash dividends to net income (ytd only)* | 104.5872% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1642% | 468 |
| Loan loss allowance to noncurrent loans | 409.1106% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 2,093 |
| Noncurrent loans to loans | 0.5290% | 1,710 |
| Net loans and leases to total assets | 45.3555% | 3,633 |
| Net loans and leases to deposits | 51.8676% | 3,576 |
| Net loans and leases to core deposits | 53.6486% | 3,620 |
| Total domestic deposits to total assets | 87.4447% | 2,764 |
| Equity capital to assets | 12.0154% | 945 |
| Core capital (leverage) ratio | 12.9602% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,139,000 | 3,243 |
| Average earning assets | $169,226,000 | 3,231 |
| Average equity | $24,259,500 | 2,821 |
| Average total loans | $89,192,500 | 3,338 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6839% | 4,327 |
| Cost of funding earning assets | 0.3326% | 2,096 |
| Net interest margin | 2.3514% | 4,366 |
| Noninterest income to average assets | 0.5870% | 2,217 |
| Noninterest expense to average assets | 1.6789% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8577% | 3,162 |
| Return on assets (ROA) | 0.8577% | 3,231 |
| Pretax return on assets | 1.1121% | 2,926 |
| Return on Equity (ROE) | 5.7754% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.4435% | 3,033 |
| Net charge-offs to loans | 0.0463% | 1,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 48.0750% | 1,322 |
| Efficiency ratio | 60.1533% | 3,123 |
| Assets per employee ($millions) | 11.6196% | 438 |
| Cash dividends to net income (ytd only)* | 23.0614% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0671% | 554 |
| Loan loss allowance to noncurrent loans | 417.2566% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 2,156 |
| Noncurrent loans to loans | 0.4954% | 1,887 |
| Net loans and leases to total assets | 51.2651% | 3,143 |
| Net loans and leases to deposits | 60.6163% | 3,023 |
| Net loans and leases to core deposits | 63.2522% | 3,048 |
| Total domestic deposits to total assets | 84.5732% | 3,401 |
| Equity capital to assets | 14.8783% | 510 |
| Core capital (leverage) ratio | 14.2702% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,911,200 | 3,271 |
| Average earning assets | $162,075,600 | 3,256 |
| Average equity | $25,677,800 | 2,802 |
| Average total loans | $86,382,200 | 3,386 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6560% | 4,450 |
| Cost of funding earning assets | 0.3491% | 2,122 |
| Net interest margin | 2.3069% | 4,488 |
| Noninterest income to average assets | 0.6150% | 2,150 |
| Noninterest expense to average assets | 1.6094% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0253% | 2,818 |
| Return on assets (ROA) | 1.0253% | 2,882 |
| Pretax return on assets | 1.1705% | 3,016 |
| Return on Equity (ROE) | 6.9074% | 3,691 |
| Retained earnings to average equity (ytd only) | 5.1272% | 3,172 |
| Net charge-offs to loans | 0.0313% | 1,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 75.7500% | 1,012 |
| Efficiency ratio | 57.8933% | 3,275 |
| Assets per employee ($millions) | 11.8565% | 384 |
| Cash dividends to net income (ytd only)* | 25.7724% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2755% | 410 |
| Loan loss allowance to noncurrent loans | 224.7642% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 1,541 |
| Noncurrent loans to loans | 1.0124% | 1,136 |
| Net loans and leases to total assets | 46.0255% | 3,795 |
| Net loans and leases to deposits | 54.3003% | 3,717 |
| Net loans and leases to core deposits | 56.5750% | 3,729 |
| Total domestic deposits to total assets | 84.7611% | 3,195 |
| Equity capital to assets | 14.6491% | 606 |
| Core capital (leverage) ratio | 14.1170% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,565,500 | 3,302 |
| Average earning assets | $161,945,250 | 3,285 |
| Average equity | $25,614,250 | 2,840 |
| Average total loans | $85,168,250 | 3,447 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6365% | 4,517 |
| Cost of funding earning assets | 0.3717% | 2,117 |
| Net interest margin | 2.2649% | 4,548 |
| Noninterest income to average assets | 0.5995% | 2,221 |
| Noninterest expense to average assets | 1.6053% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0011% | 2,877 |
| Return on assets (ROA) | 1.0011% | 2,960 |
| Pretax return on assets | 1.1206% | 3,144 |
| Return on Equity (ROE) | 6.7143% | 3,728 |
| Retained earnings to average equity (ytd only) | 4.0286% | 3,508 |
| Net charge-offs to loans | 0.0467% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 47.8500% | 1,088 |
| Efficiency ratio | 58.8918% | 3,166 |
| Assets per employee ($millions) | 11.8434% | 371 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2871% | 373 |
| Loan loss allowance to noncurrent loans | 238.2500% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 1,783 |
| Noncurrent loans to loans | 0.9600% | 1,288 |
| Net loans and leases to total assets | 45.8371% | 3,916 |
| Net loans and leases to deposits | 54.0528% | 3,856 |
| Net loans and leases to core deposits | 56.5117% | 3,858 |
| Total domestic deposits to total assets | 84.8005% | 3,179 |
| Equity capital to assets | 14.4784% | 623 |
| Core capital (leverage) ratio | 14.1415% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,805,000 | 3,330 |
| Average earning assets | $160,361,333 | 3,305 |
| Average equity | $25,468,000 | 2,845 |
| Average total loans | $85,637,333 | 3,462 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6632% | 4,515 |
| Cost of funding earning assets | 0.3972% | 2,123 |
| Net interest margin | 2.2660% | 4,557 |
| Noninterest income to average assets | 0.1458% | 4,473 |
| Noninterest expense to average assets | 1.6609% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4899% | 4,192 |
| Return on assets (ROA) | 0.4899% | 4,232 |
| Pretax return on assets | 0.6118% | 4,178 |
| Return on Equity (ROE) | 3.2358% | 4,433 |
| Retained earnings to average equity (ytd only) | -2.1625% | 4,546 |
| Net charge-offs to loans | -0.0046% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0810% | 1,395 |
| Assets per employee ($millions) | 11.5668% | 381 |
| Cash dividends to net income (ytd only)* | 166.8293% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3271% | 350 |
| Loan loss allowance to noncurrent loans | 202.8421% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 1,729 |
| Noncurrent loans to loans | 1.1473% | 1,168 |
| Net loans and leases to total assets | 46.6156% | 3,913 |
| Net loans and leases to deposits | 55.0021% | 3,870 |
| Net loans and leases to core deposits | 57.4674% | 3,875 |
| Total domestic deposits to total assets | 84.7523% | 3,206 |
| Equity capital to assets | 14.4557% | 585 |
| Core capital (leverage) ratio | 14.3495% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,382,000 | 3,365 |
| Average earning assets | $157,107,000 | 3,338 |
| Average equity | $25,341,500 | 2,850 |
| Average total loans | $86,788,000 | 3,455 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 4,089 |
| Cost of funding earning assets | 0.7625% | 1,386 |
| Net interest margin | 2.7006% | 4,373 |
| Noninterest income to average assets | 0.8957% | 1,278 |
| Noninterest expense to average assets | 1.7703% | 4,518 |
| Loan and lease loss provision to assets | 0.0660% | 3,551 |
| Net operating income to assets | 1.3472% | 1,131 |
| Return on assets (ROA) | 1.3472% | 1,228 |
| Pretax return on assets | 1.5749% | 1,122 |
| Return on Equity (ROE) | 8.3872% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.9818% | 1,405 |
| Net charge-offs to loans | 0.0165% | 2,767 |
| Credit loss provision to net charge-offs | 666.6667% | 1,029 |
| Earnings coverage of net charge-offs (x) | 165.7333% | 528 |
| Efficiency ratio | 51.8963% | 4,392 |
| Assets per employee ($millions) | 10.7508% | 429 |
| Cash dividends to net income (ytd only)* | 16.7565% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1218% | 476 |
| Loan loss allowance to noncurrent loans | 236.9004% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 2,052 |
| Noncurrent loans to loans | 0.8957% | 1,572 |
| Net loans and leases to total assets | 55.0930% | 3,382 |
| Net loans and leases to deposits | 66.1135% | 3,262 |
| Net loans and leases to core deposits | 69.3536% | 3,299 |
| Total domestic deposits to total assets | 83.3309% | 3,322 |
| Equity capital to assets | 15.8760% | 443 |
| Core capital (leverage) ratio | 15.2513% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,502,000 | 3,389 |
| Average earning assets | $141,118,600 | 3,372 |
| Average equity | $24,334,800 | 2,854 |
| Average total loans | $91,062,000 | 3,383 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 4,081 |
| Cost of funding earning assets | 0.8368% | 1,328 |
| Net interest margin | 2.7351% | 4,421 |
| Noninterest income to average assets | 0.5161% | 2,537 |
| Noninterest expense to average assets | 1.6905% | 4,633 |
| Loan and lease loss provision to assets | 0.0892% | 3,199 |
| Net operating income to assets | 1.0474% | 2,155 |
| Return on assets (ROA) | 1.0474% | 2,284 |
| Pretax return on assets | 1.2827% | 2,123 |
| Return on Equity (ROE) | 6.5005% | 3,371 |
| Retained earnings to average equity (ytd only) | 4.6020% | 2,742 |
| Net charge-offs to loans | 0.0366% | 2,104 |
| Credit loss provision to net charge-offs | 400.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 61.3600% | 1,084 |
| Efficiency ratio | 55.1986% | 4,013 |
| Assets per employee ($millions) | 11.9652% | 322 |
| Cash dividends to net income (ytd only)* | 29.2058% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1497% | 382 |
| Loan loss allowance to noncurrent loans | 124.2542% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 1,129 |
| Noncurrent loans to loans | 1.7301% | 781 |
| Net loans and leases to total assets | 56.0689% | 3,618 |
| Net loans and leases to deposits | 67.4900% | 3,514 |
| Net loans and leases to core deposits | 71.0918% | 3,551 |
| Total domestic deposits to total assets | 83.0772% | 3,128 |
| Equity capital to assets | 15.9198% | 475 |
| Core capital (leverage) ratio | 15.3563% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,062,000 | 3,402 |
| Average earning assets | $138,782,750 | 3,383 |
| Average equity | $24,018,000 | 2,866 |
| Average total loans | $91,135,000 | 3,397 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 4,096 |
| Cost of funding earning assets | 0.8984% | 1,381 |
| Net interest margin | 2.7979% | 4,453 |
| Noninterest income to average assets | 0.1375% | 4,617 |
| Noninterest expense to average assets | 1.6678% | 4,714 |
| Loan and lease loss provision to assets | 0.1361% | 2,656 |
| Net operating income to assets | 0.6943% | 3,406 |
| Return on assets (ROA) | 0.6943% | 3,512 |
| Pretax return on assets | 0.9326% | 3,222 |
| Return on Equity (ROE) | 4.2912% | 4,025 |
| Retained earnings to average equity (ytd only) | 1.4136% | 3,968 |
| Net charge-offs to loans | 0.0545% | 1,712 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 31.4000% | 1,395 |
| Efficiency ratio | 60.9453% | 3,283 |
| Assets per employee ($millions) | 11.5945% | 342 |
| Cash dividends to net income (ytd only)* | 67.0588% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 410 |
| Loan loss allowance to noncurrent loans | 124.8208% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 1,175 |
| Noncurrent loans to loans | 1.6383% | 897 |
| Net loans and leases to total assets | 60.8881% | 3,230 |
| Net loans and leases to deposits | 73.4678% | 3,126 |
| Net loans and leases to core deposits | 77.4893% | 3,152 |
| Total domestic deposits to total assets | 82.8772% | 3,119 |
| Equity capital to assets | 15.9943% | 474 |
| Core capital (leverage) ratio | 15.5828% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,900,000 | 3,406 |
| Average earning assets | $136,459,000 | 3,397 |
| Average equity | $23,769,667 | 2,871 |
| Average total loans | $91,803,333 | 3,378 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 4,244 |
| Cost of funding earning assets | 0.9673% | 1,576 |
| Net interest margin | 2.8275% | 4,541 |
| Noninterest income to average assets | 0.1407% | 4,661 |
| Noninterest expense to average assets | 1.6857% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8332% | 2,782 |
| Return on assets (ROA) | 0.8332% | 2,866 |
| Pretax return on assets | 1.0760% | 2,599 |
| Return on Equity (ROE) | 5.1185% | 3,590 |
| Retained earnings to average equity (ytd only) | -0.6780% | 4,101 |
| Net charge-offs to loans | 0.1101% | 1,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,556 |
| Efficiency ratio | 61.0390% | 3,610 |
| Assets per employee ($millions) | 11.1474% | 296 |
| Cash dividends to net income (ytd only)* | 113.2450% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 498 |
| Loan loss allowance to noncurrent loans | 205.8957% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 2,023 |
| Noncurrent loans to loans | 0.9733% | 1,689 |
| Net loans and leases to total assets | 61.2817% | 3,375 |
| Net loans and leases to deposits | 74.2956% | 3,240 |
| Net loans and leases to core deposits | 78.5416% | 3,310 |
| Total domestic deposits to total assets | 82.4836% | 3,265 |
| Equity capital to assets | 16.4350% | 518 |
| Core capital (leverage) ratio | 15.6282% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,985,500 | 3,398 |
| Average earning assets | $134,396,000 | 3,391 |
| Average equity | $23,600,500 | 2,880 |
| Average total loans | $90,859,000 | 3,378 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 4,225 |
| Cost of funding earning assets | 0.9545% | 1,932 |
| Net interest margin | 3.0607% | 4,432 |
| Noninterest income to average assets | 0.2049% | 4,436 |
| Noninterest expense to average assets | 1.8154% | 4,757 |
| Loan and lease loss provision to assets | 0.1094% | 1,906 |
| Net operating income to assets | 0.7998% | 3,555 |
| Return on assets (ROA) | 0.7998% | 3,644 |
| Pretax return on assets | 1.0994% | 3,166 |
| Return on Equity (ROE) | 4.8082% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.3092% | 3,352 |
| Net charge-offs to loans | 0.1148% | 1,590 |
| Credit loss provision to net charge-offs | 147.0588% | 1,749 |
| Earnings coverage of net charge-offs (x) | 16.2549% | 2,183 |
| Efficiency ratio | 60.0289% | 3,688 |
| Assets per employee ($millions) | 11.1581% | 283 |
| Cash dividends to net income (ytd only)* | 31.1759% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 443 |
| Loan loss allowance to noncurrent loans | 780.0847% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 3,605 |
| Noncurrent loans to loans | 0.2591% | 3,518 |
| Net loans and leases to total assets | 61.5311% | 3,448 |
| Net loans and leases to deposits | 74.1731% | 3,336 |
| Net loans and leases to core deposits | 78.3597% | 3,428 |
| Total domestic deposits to total assets | 82.9561% | 3,204 |
| Equity capital to assets | 16.1208% | 582 |
| Core capital (leverage) ratio | 16.0303% | 517 |
| Tier 1 risk-based capital ratio | 21.8835% | 1,040 |
| Total risk-based capital ratio | 23.1401% | 1,016 |
| Memoranda: | ||
| Average total assets | $137,159,600 | 3,476 |
| Average earning assets | $126,343,200 | 3,478 |
| Average equity | $22,815,000 | 2,883 |
| Average total loans | $88,847,000 | 3,426 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 4,247 |
| Cost of funding earning assets | 0.9409% | 2,035 |
| Net interest margin | 3.1116% | 4,458 |
| Noninterest income to average assets | 0.1519% | 4,790 |
| Noninterest expense to average assets | 1.7289% | 4,894 |
| Loan and lease loss provision to assets | 0.0493% | 2,912 |
| Net operating income to assets | 1.0395% | 2,821 |
| Return on assets (ROA) | 1.0395% | 2,907 |
| Pretax return on assets | 1.2407% | 2,847 |
| Return on Equity (ROE) | 6.1982% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.1870% | 3,306 |
| Net charge-offs to loans | -0.0015% | 4,032 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2689% | 4,030 |
| Assets per employee ($millions) | 10.7357% | 288 |
| Cash dividends to net income (ytd only)* | 32.4479% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 367 |
| Loan loss allowance to noncurrent loans | 130.4102% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 1,238 |
| Noncurrent loans to loans | 1.6392% | 895 |
| Net loans and leases to total assets | 60.4869% | 3,633 |
| Net loans and leases to deposits | 73.4990% | 3,520 |
| Net loans and leases to core deposits | 77.6093% | 3,581 |
| Total domestic deposits to total assets | 82.2963% | 3,387 |
| Equity capital to assets | 16.7113% | 519 |
| Core capital (leverage) ratio | 16.7746% | 465 |
| Tier 1 risk-based capital ratio | 22.7627% | 974 |
| Total risk-based capital ratio | 24.0192% | 949 |
| Memoranda: | ||
| Average total assets | $135,185,750 | 3,540 |
| Average earning assets | $124,563,000 | 3,539 |
| Average equity | $22,672,750 | 2,920 |
| Average total loans | $88,285,000 | 3,478 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 4,275 |
| Cost of funding earning assets | 0.8956% | 2,168 |
| Net interest margin | 3.1572% | 4,444 |
| Noninterest income to average assets | 0.1466% | 4,839 |
| Noninterest expense to average assets | 1.7199% | 4,958 |
| Loan and lease loss provision to assets | 0.0748% | 2,321 |
| Net operating income to assets | 1.0604% | 2,678 |
| Return on assets (ROA) | 1.0604% | 2,742 |
| Pretax return on assets | 1.2623% | 2,703 |
| Return on Equity (ROE) | 6.3146% | 3,938 |
| Retained earnings to average equity (ytd only) | 3.2686% | 3,589 |
| Net charge-offs to loans | -0.0022% | 3,973 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2622% | 4,218 |
| Assets per employee ($millions) | 10.3318% | 310 |
| Cash dividends to net income (ytd only)* | 48.2370% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 421 |
| Loan loss allowance to noncurrent loans | 1,002.1739% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 3,809 |
| Noncurrent loans to loans | 0.2055% | 3,811 |
| Net loans and leases to total assets | 65.2799% | 3,194 |
| Net loans and leases to deposits | 79.7316% | 2,984 |
| Net loans and leases to core deposits | 86.7457% | 2,902 |
| Total domestic deposits to total assets | 81.8746% | 3,554 |
| Equity capital to assets | 17.0898% | 457 |
| Core capital (leverage) ratio | 17.0714% | 423 |
| Tier 1 risk-based capital ratio | 22.1417% | 1,039 |
| Total risk-based capital ratio | 23.3983% | 1,017 |
| Memoranda: | ||
| Average total assets | $133,726,330 | 3,574 |
| Average earning assets | $123,273,000 | 3,575 |
| Average equity | $22,456,000 | 2,928 |
| Average total loans | $88,959,330 | 3,478 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 4,450 |
| Cost of funding earning assets | 0.8154% | 2,445 |
| Net interest margin | 3.1480% | 4,501 |
| Noninterest income to average assets | 0.1379% | 4,909 |
| Noninterest expense to average assets | 1.6728% | 5,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1721% | 2,168 |
| Return on assets (ROA) | 1.1721% | 2,222 |
| Pretax return on assets | 1.3700% | 2,194 |
| Return on Equity (ROE) | 7.0428% | 3,664 |
| Retained earnings to average equity (ytd only) | 0.8826% | 4,343 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9754% | 4,435 |
| Assets per employee ($millions) | 10.9683% | 261 |
| Cash dividends to net income (ytd only)* | 87.4680% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 508 |
| Loan loss allowance to noncurrent loans | 2,060.9195% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,182 |
| Noncurrent loans to loans | 0.0967% | 4,313 |
| Net loans and leases to total assets | 66.9716% | 2,903 |
| Net loans and leases to deposits | 81.6858% | 2,642 |
| Net loans and leases to core deposits | 85.9712% | 2,871 |
| Total domestic deposits to total assets | 81.9868% | 3,731 |
| Equity capital to assets | 17.0194% | 445 |
| Core capital (leverage) ratio | 16.8119% | 444 |
| Tier 1 risk-based capital ratio | 21.8883% | 1,065 |
| Total risk-based capital ratio | 23.1449% | 1,037 |
| Memoranda: | ||
| Average total assets | $133,432,500 | 3,615 |
| Average earning assets | $123,125,500 | 3,613 |
| Average equity | $22,207,000 | 2,957 |
| Average total loans | $88,677,000 | 3,520 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,500 |
| Cost of funding earning assets | 0.6232% | 2,566 |
| Net interest margin | 3.1689% | 4,542 |
| Noninterest income to average assets | 0.2166% | 4,615 |
| Noninterest expense to average assets | 1.9710% | 4,792 |
| Loan and lease loss provision to assets | 0.1144% | 1,925 |
| Net operating income to assets | 0.8268% | 3,705 |
| Return on assets (ROA) | 0.8268% | 3,703 |
| Pretax return on assets | 1.0518% | 3,440 |
| Return on Equity (ROE) | 5.0240% | 4,449 |
| Retained earnings to average equity (ytd only) | 3.6058% | 3,601 |
| Net charge-offs to loans | -0.0012% | 4,197 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8252% | 3,378 |
| Assets per employee ($millions) | 10.4035% | 305 |
| Cash dividends to net income (ytd only)* | 28.2288% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 432 |
| Loan loss allowance to noncurrent loans | 2,084.8837% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,231 |
| Noncurrent loans to loans | 0.0984% | 4,296 |
| Net loans and leases to total assets | 63.3073% | 3,428 |
| Net loans and leases to deposits | 76.4185% | 3,323 |
| Net loans and leases to core deposits | 80.2504% | 3,410 |
| Total domestic deposits to total assets | 82.8430% | 3,380 |
| Equity capital to assets | 16.2764% | 492 |
| Core capital (leverage) ratio | 16.8595% | 422 |
| Tier 1 risk-based capital ratio | 21.8692% | 1,048 |
| Total risk-based capital ratio | 23.1253% | 1,031 |
| Memoranda: | ||
| Average total assets | $131,103,400 | 3,635 |
| Average earning assets | $120,831,600 | 3,628 |
| Average equity | $21,576,600 | 2,928 |
| Average total loans | $84,801,000 | 3,573 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 4,534 |
| Cost of funding earning assets | 0.5889% | 2,553 |
| Net interest margin | 3.1700% | 4,573 |
| Noninterest income to average assets | 0.1671% | 4,949 |
| Noninterest expense to average assets | 1.8585% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0487% | 2,872 |
| Return on assets (ROA) | 1.0487% | 2,883 |
| Pretax return on assets | 1.2332% | 2,875 |
| Return on Equity (ROE) | 6.3537% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.4532% | 3,523 |
| Net charge-offs to loans | -0.0079% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1127% | 3,803 |
| Assets per employee ($millions) | 9.7997% | 354 |
| Cash dividends to net income (ytd only)* | 29.9119% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 498 |
| Loan loss allowance to noncurrent loans | 217.2823% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 2,233 |
| Noncurrent loans to loans | 0.9128% | 1,876 |
| Net loans and leases to total assets | 63.8890% | 3,442 |
| Net loans and leases to deposits | 78.0469% | 3,231 |
| Net loans and leases to core deposits | 82.4682% | 3,293 |
| Total domestic deposits to total assets | 81.8597% | 3,655 |
| Equity capital to assets | 17.0539% | 419 |
| Core capital (leverage) ratio | 17.0987% | 410 |
| Tier 1 risk-based capital ratio | 22.8467% | 954 |
| Total risk-based capital ratio | 24.1024% | 926 |
| Memoranda: | ||
| Average total assets | $130,068,000 | 3,679 |
| Average earning assets | $119,997,250 | 3,678 |
| Average equity | $21,467,500 | 2,955 |
| Average total loans | $84,148,000 | 3,621 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 4,508 |
| Cost of funding earning assets | 0.5553% | 2,566 |
| Net interest margin | 3.1783% | 4,556 |
| Noninterest income to average assets | 0.1649% | 5,003 |
| Noninterest expense to average assets | 1.7746% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1439% | 2,418 |
| Return on assets (ROA) | 1.1439% | 2,424 |
| Pretax return on assets | 1.3271% | 2,404 |
| Return on Equity (ROE) | 7.0061% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.1438% | 3,542 |
| Net charge-offs to loans | -0.0118% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2132% | 4,335 |
| Assets per employee ($millions) | 9.6866% | 351 |
| Cash dividends to net income (ytd only)* | 40.8545% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 544 |
| Loan loss allowance to noncurrent loans | 1,286.7188% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 4,182 |
| Noncurrent loans to loans | 0.1530% | 4,219 |
| Net loans and leases to total assets | 65.1367% | 3,256 |
| Net loans and leases to deposits | 79.6102% | 2,991 |
| Net loans and leases to core deposits | 83.2469% | 3,147 |
| Total domestic deposits to total assets | 81.8195% | 3,779 |
| Equity capital to assets | 17.1116% | 393 |
| Core capital (leverage) ratio | 16.8194% | 416 |
| Tier 1 risk-based capital ratio | 22.6267% | 970 |
| Total risk-based capital ratio | 23.8820% | 952 |
| Memoranda: | ||
| Average total assets | $130,958,670 | 3,693 |
| Average earning assets | $121,007,330 | 3,687 |
| Average equity | $21,381,330 | 2,979 |
| Average total loans | $84,517,670 | 3,636 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 4,663 |
| Cost of funding earning assets | 0.5240% | 2,598 |
| Net interest margin | 3.0954% | 4,712 |
| Noninterest income to average assets | 0.1528% | 5,100 |
| Noninterest expense to average assets | 1.7501% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0908% | 2,465 |
| Return on assets (ROA) | 1.0908% | 2,480 |
| Pretax return on assets | 1.2706% | 2,475 |
| Return on Equity (ROE) | 6.8363% | 3,846 |
| Retained earnings to average equity (ytd only) | 1.0893% | 4,606 |
| Net charge-offs to loans | -0.0235% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9365% | 4,349 |
| Assets per employee ($millions) | 10.1720% | 310 |
| Cash dividends to net income (ytd only)* | 84.0659% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 611 |
| Loan loss allowance to noncurrent loans | 79.6037% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5646% | 873 |
| Noncurrent loans to loans | 2.4395% | 566 |
| Net loans and leases to total assets | 62.8913% | 3,433 |
| Net loans and leases to deposits | 75.7699% | 3,238 |
| Net loans and leases to core deposits | 78.9956% | 3,401 |
| Total domestic deposits to total assets | 83.0031% | 3,664 |
| Equity capital to assets | 16.0123% | 483 |
| Core capital (leverage) ratio | 16.1002% | 473 |
| Tier 1 risk-based capital ratio | 21.7715% | 1,089 |
| Total risk-based capital ratio | 23.0262% | 1,063 |
| Memoranda: | ||
| Average total assets | $133,475,000 | 3,685 |
| Average earning assets | $123,668,500 | 3,687 |
| Average equity | $21,298,000 | 3,017 |
| Average total loans | $84,941,000 | 3,653 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 4,698 |
| Cost of funding earning assets | 0.5012% | 2,326 |
| Net interest margin | 3.0459% | 4,796 |
| Noninterest income to average assets | 0.2167% | 4,859 |
| Noninterest expense to average assets | 1.9378% | 5,066 |
| Loan and lease loss provision to assets | 0.0758% | 2,680 |
| Net operating income to assets | 0.4889% | 4,402 |
| Return on assets (ROA) | 0.4661% | 4,506 |
| Pretax return on assets | 0.9769% | 3,651 |
| Return on Equity (ROE) | 2.8680% | 4,872 |
| Retained earnings to average equity (ytd only) | 1.5249% | 4,386 |
| Net charge-offs to loans | -0.0012% | 4,504 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0371% | 3,599 |
| Assets per employee ($millions) | 10.3626% | 283 |
| Cash dividends to net income (ytd only)* | 46.8293% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 613 |
| Loan loss allowance to noncurrent loans | 1,642.0000% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 4,748 |
| Noncurrent loans to loans | 0.1176% | 4,452 |
| Net loans and leases to total assets | 61.9297% | 3,632 |
| Net loans and leases to deposits | 74.4527% | 3,483 |
| Net loans and leases to core deposits | 78.6433% | 3,535 |
| Total domestic deposits to total assets | 83.1799% | 3,503 |
| Equity capital to assets | 15.9018% | 529 |
| Core capital (leverage) ratio | 15.9377% | 482 |
| Tier 1 risk-based capital ratio | 20.3063% | 1,261 |
| Total risk-based capital ratio | 21.5617% | 1,229 |
| Memoranda: | ||
| Average total assets | $131,952,200 | 3,718 |
| Average earning assets | $121,704,800 | 3,715 |
| Average equity | $21,443,400 | 3,000 |
| Average total loans | $82,319,200 | 3,695 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5512% | 4,687 |
| Cost of funding earning assets | 0.5035% | 2,237 |
| Net interest margin | 3.0477% | 4,819 |
| Noninterest income to average assets | 0.2103% | 4,958 |
| Noninterest expense to average assets | 1.7999% | 5,274 |
| Loan and lease loss provision to assets | 0.1016% | 2,082 |
| Net operating income to assets | 0.8849% | 3,107 |
| Return on assets (ROA) | 0.8471% | 3,336 |
| Pretax return on assets | 1.0706% | 3,421 |
| Return on Equity (ROE) | 5.1843% | 4,454 |
| Retained earnings to average equity (ytd only) | 3.3940% | 3,904 |
| Net charge-offs to loans | -0.0065% | 4,509 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6031% | 4,277 |
| Assets per employee ($millions) | 10.1073% | 306 |
| Cash dividends to net income (ytd only)* | 34.5324% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0113% | 559 |
| Loan loss allowance to noncurrent loans | 1,612.7451% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,859 |
| Noncurrent loans to loans | 0.1247% | 4,560 |
| Net loans and leases to total assets | 60.9932% | 3,767 |
| Net loans and leases to deposits | 74.1493% | 3,545 |
| Net loans and leases to core deposits | 78.1225% | 3,619 |
| Total domestic deposits to total assets | 82.2573% | 3,700 |
| Equity capital to assets | 16.6840% | 461 |
| Core capital (leverage) ratio | 16.3927% | 444 |
| Tier 1 risk-based capital ratio | 21.3604% | 1,134 |
| Total risk-based capital ratio | 22.6175% | 1,114 |
| Memoranda: | ||
| Average total assets | $131,261,750 | 3,763 |
| Average earning assets | $121,008,250 | 3,770 |
| Average equity | $21,448,750 | 3,026 |
| Average total loans | $81,631,500 | 3,735 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5467% | 4,641 |
| Cost of funding earning assets | 0.5097% | 2,096 |
| Net interest margin | 3.0369% | 4,826 |
| Noninterest income to average assets | 0.2332% | 4,838 |
| Noninterest expense to average assets | 1.7894% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0463% | 2,222 |
| Return on assets (ROA) | 0.9862% | 2,545 |
| Pretax return on assets | 1.1691% | 2,898 |
| Return on Equity (ROE) | 6.0777% | 4,010 |
| Retained earnings to average equity (ytd only) | 3.3723% | 3,706 |
| Net charge-offs to loans | -0.0098% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0543% | 4,463 |
| Assets per employee ($millions) | 10.7523% | 245 |
| Cash dividends to net income (ytd only)* | 44.5131% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 777 |
| Loan loss allowance to noncurrent loans | 1,404.5455% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,855 |
| Noncurrent loans to loans | 0.1324% | 4,589 |
| Net loans and leases to total assets | 63.1868% | 3,492 |
| Net loans and leases to deposits | 76.9372% | 3,229 |
| Net loans and leases to core deposits | 81.1846% | 3,326 |
| Total domestic deposits to total assets | 82.1278% | 3,853 |
| Equity capital to assets | 16.8430% | 422 |
| Core capital (leverage) ratio | 16.0960% | 466 |
| Tier 1 risk-based capital ratio | 21.0523% | 1,166 |
| Total risk-based capital ratio | 22.3085% | 1,147 |
| Memoranda: | ||
| Average total assets | $131,217,330 | 3,784 |
| Average earning assets | $120,845,670 | 3,789 |
| Average equity | $21,291,000 | 3,045 |
| Average total loans | $81,579,670 | 3,752 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 4,803 |
| Cost of funding earning assets | 0.5022% | 2,068 |
| Net interest margin | 2.9572% | 4,980 |
| Noninterest income to average assets | 0.1149% | 5,533 |
| Noninterest expense to average assets | 1.8199% | 5,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8088% | 3,183 |
| Return on assets (ROA) | 0.7014% | 3,734 |
| Pretax return on assets | 0.8828% | 3,827 |
| Return on Equity (ROE) | 4.4043% | 4,629 |
| Retained earnings to average equity (ytd only) | -1.0631% | 5,074 |
| Net charge-offs to loans | -0.0297% | 4,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1108% | 3,810 |
| Assets per employee ($millions) | 11.9556% | 176 |
| Cash dividends to net income (ytd only)* | 124.1379% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 776 |
| Loan loss allowance to noncurrent loans | 1,038.2550% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 4,816 |
| Noncurrent loans to loans | 0.1840% | 4,465 |
| Net loans and leases to total assets | 60.4006% | 3,743 |
| Net loans and leases to deposits | 72.8338% | 3,528 |
| Net loans and leases to core deposits | 76.7211% | 3,585 |
| Total domestic deposits to total assets | 82.9293% | 3,867 |
| Equity capital to assets | 16.0586% | 486 |
| Core capital (leverage) ratio | 15.5493% | 518 |
| Tier 1 risk-based capital ratio | 20.8154% | 1,246 |
| Total risk-based capital ratio | 22.0724% | 1,222 |
| Memoranda: | ||
| Average total assets | $132,312,500 | 3,808 |
| Average earning assets | $121,870,000 | 3,811 |
| Average equity | $21,070,500 | 3,078 |
| Average total loans | $80,833,000 | 3,796 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,626 |
| Cost of funding earning assets | 0.4989% | 2,097 |
| Net interest margin | 3.0572% | 4,829 |
| Noninterest income to average assets | 0.6610% | 2,363 |
| Noninterest expense to average assets | 1.9574% | 5,272 |
| Loan and lease loss provision to assets | 0.1942% | 1,200 |
| Net operating income to assets | 1.1265% | 1,791 |
| Return on assets (ROA) | 1.1232% | 1,892 |
| Pretax return on assets | 1.3329% | 2,169 |
| Return on Equity (ROE) | 6.9882% | 3,474 |
| Retained earnings to average equity (ytd only) | 5.5964% | 1,947 |
| Net charge-offs to loans | 0.0316% | 3,390 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 78.8400% | 722 |
| Efficiency ratio | 56.1122% | 5,057 |
| Assets per employee ($millions) | 11.0928% | 221 |
| Cash dividends to net income (ytd only)* | 19.9170% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 790 |
| Loan loss allowance to noncurrent loans | 1,328.4483% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 4,986 |
| Noncurrent loans to loans | 0.1438% | 4,656 |
| Net loans and leases to total assets | 59.4563% | 3,912 |
| Net loans and leases to deposits | 71.4128% | 3,766 |
| Net loans and leases to core deposits | 75.1955% | 3,821 |
| Total domestic deposits to total assets | 83.2571% | 3,674 |
| Equity capital to assets | 15.7926% | 522 |
| Core capital (leverage) ratio | 15.8488% | 481 |
| Tier 1 risk-based capital ratio | 19.8871% | 1,397 |
| Total risk-based capital ratio | 21.1427% | 1,362 |
| Memoranda: | ||
| Average total assets | $128,740,200 | 3,852 |
| Average earning assets | $119,061,600 | 3,846 |
| Average equity | $20,692,000 | 3,100 |
| Average total loans | $79,232,600 | 3,817 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 4,412 |
| Cost of funding earning assets | 0.5041% | 2,068 |
| Net interest margin | 3.1451% | 4,660 |
| Noninterest income to average assets | 0.1337% | 5,584 |
| Noninterest expense to average assets | 1.9700% | 5,268 |
| Loan and lease loss provision to assets | 0.1567% | 1,483 |
| Net operating income to assets | 0.7374% | 3,657 |
| Return on assets (ROA) | 0.7333% | 3,816 |
| Pretax return on assets | 0.9213% | 3,905 |
| Return on Equity (ROE) | 4.5415% | 4,704 |
| Retained earnings to average equity (ytd only) | 2.6783% | 4,302 |
| Net charge-offs to loans | 0.0372% | 2,884 |
| Credit loss provision to net charge-offs | 681.8182% | 573 |
| Earnings coverage of net charge-offs (x) | 47.1405% | 1,124 |
| Efficiency ratio | 64.5228% | 3,848 |
| Assets per employee ($millions) | 9.7988% | 318 |
| Cash dividends to net income (ytd only)* | 41.0254% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 877 |
| Loan loss allowance to noncurrent loans | 1,659.7701% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 5,169 |
| Noncurrent loans to loans | 0.1134% | 4,885 |
| Net loans and leases to total assets | 59.1079% | 3,984 |
| Net loans and leases to deposits | 71.7215% | 3,833 |
| Net loans and leases to core deposits | 75.6663% | 3,875 |
| Total domestic deposits to total assets | 82.4130% | 3,806 |
| Equity capital to assets | 16.4707% | 491 |
| Core capital (leverage) ratio | 15.9053% | 493 |
| Tier 1 risk-based capital ratio | 21.2541% | 1,227 |
| Total risk-based capital ratio | 22.5114% | 1,205 |
| Memoranda: | ||
| Average total assets | $127,647,000 | 3,895 |
| Average earning assets | $118,488,750 | 3,877 |
| Average equity | $20,609,500 | 3,133 |
| Average total loans | $78,869,500 | 3,853 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 4,192 |
| Cost of funding earning assets | 0.4989% | 2,108 |
| Net interest margin | 3.2310% | 4,441 |
| Noninterest income to average assets | 0.1284% | 5,676 |
| Noninterest expense to average assets | 1.9274% | 5,408 |
| Loan and lease loss provision to assets | 0.2349% | 850 |
| Net operating income to assets | 0.7782% | 3,410 |
| Return on assets (ROA) | 0.7719% | 3,583 |
| Pretax return on assets | 0.9598% | 3,742 |
| Return on Equity (ROE) | 4.8131% | 4,596 |
| Retained earnings to average equity (ytd only) | 2.0014% | 4,562 |
| Net charge-offs to loans | -0.0176% | 4,898 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5808% | 4,412 |
| Assets per employee ($millions) | 9.6942% | 315 |
| Cash dividends to net income (ytd only)* | 58.4178% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 927 |
| Loan loss allowance to noncurrent loans | 1,518.5567% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 5,223 |
| Noncurrent loans to loans | 0.1239% | 4,946 |
| Net loans and leases to total assets | 60.9554% | 3,758 |
| Net loans and leases to deposits | 74.0995% | 3,578 |
| Net loans and leases to core deposits | 78.2112% | 3,626 |
| Total domestic deposits to total assets | 82.2615% | 3,919 |
| Equity capital to assets | 16.5245% | 483 |
| Core capital (leverage) ratio | 15.8792% | 480 |
| Tier 1 risk-based capital ratio | 21.5477% | 1,191 |
| Total risk-based capital ratio | 22.8062% | 1,173 |
| Memoranda: | ||
| Average total assets | $127,734,670 | 3,921 |
| Average earning assets | $118,664,670 | 3,899 |
| Average equity | $20,485,670 | 3,144 |
| Average total loans | $79,580,000 | 3,855 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,072 |
| Cost of funding earning assets | 0.4926% | 2,163 |
| Net interest margin | 3.2742% | 4,320 |
| Noninterest income to average assets | 0.1244% | 5,717 |
| Noninterest expense to average assets | 1.9473% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0271% | 2,169 |
| Return on assets (ROA) | 1.0141% | 2,334 |
| Pretax return on assets | 1.2007% | 2,700 |
| Return on Equity (ROE) | 6.4186% | 3,772 |
| Retained earnings to average equity (ytd only) | 0.7482% | 4,921 |
| Net charge-offs to loans | -0.0349% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5536% | 4,519 |
| Assets per employee ($millions) | 9.7282% | 308 |
| Cash dividends to net income (ytd only)* | 88.3436% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 1,476 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 5,265 |
| Noncurrent loans to loans | 0.1224% | 4,984 |
| Net loans and leases to total assets | 62.2626% | 3,490 |
| Net loans and leases to deposits | 75.3279% | 3,296 |
| Net loans and leases to core deposits | 79.4545% | 3,368 |
| Total domestic deposits to total assets | 82.6554% | 4,019 |
| Equity capital to assets | 16.2241% | 508 |
| Core capital (leverage) ratio | 15.5653% | 526 |
| Tier 1 risk-based capital ratio | 21.3128% | 1,257 |
| Total risk-based capital ratio | 22.5695% | 1,237 |
| Memoranda: | ||
| Average total assets | $128,589,500 | 3,935 |
| Average earning assets | $119,356,000 | 3,924 |
| Average equity | $20,316,000 | 3,163 |
| Average total loans | $80,224,000 | 3,854 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 4,349 |
| Cost of funding earning assets | 0.5146% | 2,032 |
| Net interest margin | 3.1928% | 4,648 |
| Noninterest income to average assets | 0.1324% | 5,752 |
| Noninterest expense to average assets | 2.0179% | 5,424 |
| Loan and lease loss provision to assets | 0.1548% | 1,513 |
| Net operating income to assets | 0.7373% | 3,636 |
| Return on assets (ROA) | 0.7175% | 3,834 |
| Pretax return on assets | 0.8932% | 3,866 |
| Return on Equity (ROE) | 4.7232% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.3475% | 3,668 |
| Net charge-offs to loans | 0.0474% | 3,260 |
| Credit loss provision to net charge-offs | 571.4286% | 582 |
| Earnings coverage of net charge-offs (x) | 39.6000% | 1,191 |
| Efficiency ratio | 65.2893% | 4,024 |
| Assets per employee ($millions) | 9.3366% | 341 |
| Cash dividends to net income (ytd only)* | 29.1262% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,502 |
| Loan loss allowance to noncurrent loans | 1,329.2929% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,326 |
| Noncurrent loans to loans | 0.1232% | 4,999 |
| Net loans and leases to total assets | 60.4898% | 3,761 |
| Net loans and leases to deposits | 72.7979% | 3,635 |
| Net loans and leases to core deposits | 76.8501% | 3,678 |
| Total domestic deposits to total assets | 83.0927% | 3,814 |
| Equity capital to assets | 15.3879% | 615 |
| Core capital (leverage) ratio | 15.1217% | 594 |
| Tier 1 risk-based capital ratio | 20.0875% | 1,470 |
| Total risk-based capital ratio | 21.3478% | 1,442 |
| Memoranda: | ||
| Average total assets | $129,194,400 | 3,900 |
| Average earning assets | $119,706,800 | 3,892 |
| Average equity | $19,626,600 | 3,209 |
| Average total loans | $73,807,000 | 4,001 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 4,421 |
| Cost of funding earning assets | 0.5171% | 2,066 |
| Net interest margin | 3.1829% | 4,724 |
| Noninterest income to average assets | 0.1346% | 5,811 |
| Noninterest expense to average assets | 1.9790% | 5,520 |
| Loan and lease loss provision to assets | 0.1035% | 2,132 |
| Net operating income to assets | 0.6571% | 4,092 |
| Return on assets (ROA) | 0.6407% | 4,294 |
| Pretax return on assets | 0.9771% | 3,708 |
| Return on Equity (ROE) | 4.2313% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.3857% | 4,684 |
| Net charge-offs to loans | 0.0647% | 2,653 |
| Credit loss provision to net charge-offs | 285.7143% | 1,010 |
| Earnings coverage of net charge-offs (x) | 30.5112% | 1,473 |
| Efficiency ratio | 64.1611% | 4,216 |
| Assets per employee ($millions) | 9.0694% | 361 |
| Cash dividends to net income (ytd only)* | 43.6188% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 1,466 |
| Loan loss allowance to noncurrent loans | 351.4451% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 4,677 |
| Noncurrent loans to loans | 0.4842% | 3,906 |
| Net loans and leases to total assets | 55.3169% | 4,424 |
| Net loans and leases to deposits | 66.6474% | 4,315 |
| Net loans and leases to core deposits | 70.3940% | 4,336 |
| Total domestic deposits to total assets | 82.9994% | 3,823 |
| Equity capital to assets | 15.6735% | 622 |
| Core capital (leverage) ratio | 15.2929% | 588 |
| Tier 1 risk-based capital ratio | 22.6564% | 1,102 |
| Total risk-based capital ratio | 23.9168% | 1,079 |
| Memoranda: | ||
| Average total assets | $128,814,750 | 3,952 |
| Average earning assets | $119,384,250 | 3,930 |
| Average equity | $19,504,750 | 3,249 |
| Average total loans | $72,162,750 | 4,077 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,442 |
| Cost of funding earning assets | 0.5154% | 2,110 |
| Net interest margin | 3.1723% | 4,737 |
| Noninterest income to average assets | 0.1283% | 5,910 |
| Noninterest expense to average assets | 1.8558% | 5,774 |
| Loan and lease loss provision to assets | 0.1545% | 1,377 |
| Net operating income to assets | 0.7048% | 3,872 |
| Return on assets (ROA) | 0.6799% | 4,096 |
| Pretax return on assets | 1.0199% | 3,500 |
| Return on Equity (ROE) | 4.5425% | 4,803 |
| Retained earnings to average equity (ytd only) | 1.7550% | 4,819 |
| Net charge-offs to loans | 0.0967% | 2,048 |
| Credit loss provision to net charge-offs | 285.7143% | 959 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,644 |
| Efficiency ratio | 60.5038% | 4,914 |
| Assets per employee ($millions) | 9.7425% | 285 |
| Cash dividends to net income (ytd only)* | 61.3636% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 1,649 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,624 |
| Noncurrent loans to loans | 0.1051% | 5,324 |
| Net loans and leases to total assets | 56.1160% | 4,324 |
| Net loans and leases to deposits | 67.0953% | 4,217 |
| Net loans and leases to core deposits | 71.6213% | 4,173 |
| Total domestic deposits to total assets | 83.6363% | 3,720 |
| Equity capital to assets | 15.2354% | 659 |
| Core capital (leverage) ratio | 14.8829% | 638 |
| Tier 1 risk-based capital ratio | 22.1970% | 1,175 |
| Total risk-based capital ratio | 23.4610% | 1,159 |
| Memoranda: | ||
| Average total assets | $129,429,000 | 3,970 |
| Average earning assets | $119,912,670 | 3,945 |
| Average equity | $19,372,670 | 3,278 |
| Average total loans | $72,399,330 | 4,097 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6190% | 4,632 |
| Cost of funding earning assets | 0.5080% | 2,219 |
| Net interest margin | 3.1110% | 4,916 |
| Noninterest income to average assets | 0.1284% | 5,956 |
| Noninterest expense to average assets | 1.8377% | 5,842 |
| Loan and lease loss provision to assets | 0.3058% | 468 |
| Net operating income to assets | 0.5209% | 4,580 |
| Return on assets (ROA) | 0.4739% | 4,902 |
| Pretax return on assets | 0.7950% | 4,262 |
| Return on Equity (ROE) | 3.1941% | 5,302 |
| Retained earnings to average equity (ytd only) | -2.3698% | 5,729 |
| Net charge-offs to loans | -0.0110% | 4,765 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0152% | 4,962 |
| Assets per employee ($millions) | 9.9608% | 260 |
| Cash dividends to net income (ytd only)* | 174.1935% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 1,560 |
| Loan loss allowance to noncurrent loans | 741.4201% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 5,434 |
| Noncurrent loans to loans | 0.2388% | 4,921 |
| Net loans and leases to total assets | 53.6871% | 4,485 |
| Net loans and leases to deposits | 64.0684% | 4,367 |
| Net loans and leases to core deposits | 67.7279% | 4,358 |
| Total domestic deposits to total assets | 83.7966% | 3,891 |
| Equity capital to assets | 15.1493% | 691 |
| Core capital (leverage) ratio | 14.4627% | 699 |
| Tier 1 risk-based capital ratio | 22.5516% | 1,166 |
| Total risk-based capital ratio | 23.8039% | 1,150 |
| Memoranda: | ||
| Average total assets | $130,817,500 | 3,974 |
| Average earning assets | $121,248,000 | 3,950 |
| Average equity | $19,411,000 | 3,301 |
| Average total loans | $72,455,000 | 4,121 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 4,933 |
| Cost of funding earning assets | 0.5264% | 2,419 |
| Net interest margin | 3.1225% | 5,148 |
| Noninterest income to average assets | 0.1348% | 6,018 |
| Noninterest expense to average assets | 1.9684% | 5,827 |
| Loan and lease loss provision to assets | 0.0963% | 2,547 |
| Net operating income to assets | 0.6574% | 4,103 |
| Return on assets (ROA) | 0.6276% | 4,353 |
| Pretax return on assets | 0.9049% | 3,884 |
| Return on Equity (ROE) | 4.5551% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.0460% | 4,072 |
| Net charge-offs to loans | -0.0339% | 5,824 |
| Credit loss provision to net charge-offs | -568.1818% | 5,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3374% | 4,350 |
| Assets per employee ($millions) | 10.1649% | 238 |
| Cash dividends to net income (ytd only)* | 33.1288% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 2,246 |
| Loan loss allowance to noncurrent loans | 3,385.2941% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,941 |
| Noncurrent loans to loans | 0.0459% | 5,695 |
| Net loans and leases to total assets | 55.2322% | 4,417 |
| Net loans and leases to deposits | 65.8891% | 4,341 |
| Net loans and leases to core deposits | 70.1364% | 4,319 |
| Total domestic deposits to total assets | 83.8260% | 3,797 |
| Equity capital to assets | 14.5334% | 800 |
| Core capital (leverage) ratio | 14.5908% | 683 |
| Tier 1 risk-based capital ratio | 19.3428% | 1,762 |
| Total risk-based capital ratio | 20.5374% | 1,743 |
| Memoranda: | ||
| Average total assets | $129,854,400 | 3,976 |
| Average earning assets | $119,678,400 | 3,978 |
| Average equity | $17,892,200 | 3,414 |
| Average total loans | $64,878,200 | 4,338 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 5,087 |
| Cost of funding earning assets | 0.5294% | 2,472 |
| Net interest margin | 3.0937% | 5,277 |
| Noninterest income to average assets | 0.1361% | 6,094 |
| Noninterest expense to average assets | 1.9471% | 5,867 |
| Loan and lease loss provision to assets | 0.0516% | 3,344 |
| Net operating income to assets | 0.6021% | 4,439 |
| Return on assets (ROA) | 0.5889% | 4,579 |
| Pretax return on assets | 0.9674% | 3,729 |
| Return on Equity (ROE) | 4.3345% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.2849% | 4,918 |
| Net charge-offs to loans | -0.0469% | 5,881 |
| Credit loss provision to net charge-offs | -227.2727% | 5,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1934% | 4,336 |
| Assets per employee ($millions) | 8.5049% | 420 |
| Cash dividends to net income (ytd only)* | 47.2856% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 1,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.1736% | 5,190 |
| Net loans and leases to deposits | 57.1029% | 5,168 |
| Net loans and leases to core deposits | 60.6498% | 5,147 |
| Total domestic deposits to total assets | 84.3628% | 3,611 |
| Equity capital to assets | 14.4183% | 868 |
| Core capital (leverage) ratio | 14.2664% | 779 |
| Tier 1 risk-based capital ratio | 21.4635% | 1,358 |
| Total risk-based capital ratio | 22.7141% | 1,328 |
| Memoranda: | ||
| Average total assets | $129,282,000 | 4,022 |
| Average earning assets | $119,121,750 | 4,009 |
| Average equity | $17,564,000 | 3,463 |
| Average total loans | $62,563,500 | 4,442 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6164% | 5,101 |
| Cost of funding earning assets | 0.5269% | 2,569 |
| Net interest margin | 3.0895% | 5,286 |
| Noninterest income to average assets | 0.1294% | 6,165 |
| Noninterest expense to average assets | 1.8945% | 6,006 |
| Loan and lease loss provision to assets | 0.0770% | 2,734 |
| Net operating income to assets | 0.5991% | 4,357 |
| Return on assets (ROA) | 0.5991% | 4,452 |
| Pretax return on assets | 1.0027% | 3,467 |
| Return on Equity (ROE) | 4.5004% | 4,917 |
| Retained earnings to average equity (ytd only) | 1.3767% | 5,196 |
| Net charge-offs to loans | -0.0703% | 6,019 |
| Credit loss provision to net charge-offs | -227.2727% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6976% | 4,741 |
| Assets per employee ($millions) | 9.1766% | 307 |
| Cash dividends to net income (ytd only)* | 69.4087% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 1,971 |
| Loan loss allowance to noncurrent loans | 35,866.6667% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,270 |
| Noncurrent loans to loans | 0.0049% | 6,087 |
| Net loans and leases to total assets | 46.9647% | 5,272 |
| Net loans and leases to deposits | 55.3566% | 5,249 |
| Net loans and leases to core deposits | 58.7239% | 5,221 |
| Total domestic deposits to total assets | 84.8404% | 3,588 |
| Equity capital to assets | 14.0847% | 938 |
| Core capital (leverage) ratio | 14.0087% | 826 |
| Tier 1 risk-based capital ratio | 21.4786% | 1,350 |
| Total risk-based capital ratio | 22.7291% | 1,325 |
| Memoranda: | ||
| Average total assets | $129,851,330 | 4,036 |
| Average earning assets | $119,568,000 | 4,020 |
| Average equity | $17,287,330 | 3,502 |
| Average total loans | $62,573,670 | 4,466 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5656% | 5,258 |
| Cost of funding earning assets | 0.5232% | 2,678 |
| Net interest margin | 3.0424% | 5,405 |
| Noninterest income to average assets | 0.1256% | 6,220 |
| Noninterest expense to average assets | 1.9458% | 5,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6557% | 3,919 |
| Return on assets (ROA) | 0.6557% | 4,018 |
| Pretax return on assets | 0.9775% | 3,416 |
| Return on Equity (ROE) | 5.0700% | 4,517 |
| Retained earnings to average equity (ytd only) | -1.3267% | 5,773 |
| Net charge-offs to loans | -0.0380% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5618% | 4,435 |
| Assets per employee ($millions) | 10.0789% | 227 |
| Cash dividends to net income (ytd only)* | 126.1682% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 2,508 |
| Loan loss allowance to noncurrent loans | 5,611.1111% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 6,284 |
| Noncurrent loans to loans | 0.0294% | 6,066 |
| Net loans and leases to total assets | 45.9207% | 5,338 |
| Net loans and leases to deposits | 53.5160% | 5,325 |
| Net loans and leases to core deposits | 56.9401% | 5,286 |
| Total domestic deposits to total assets | 85.8074% | 3,463 |
| Equity capital to assets | 13.1241% | 1,252 |
| Core capital (leverage) ratio | 13.4750% | 979 |
| Tier 1 risk-based capital ratio | 20.4590% | 1,597 |
| Total risk-based capital ratio | 21.6598% | 1,582 |
| Memoranda: | ||
| Average total assets | $130,540,500 | 4,056 |
| Average earning assets | $120,037,000 | 4,039 |
| Average equity | $16,883,500 | 3,568 |
| Average total loans | $63,154,000 | 4,488 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 5,069 |
| Cost of funding earning assets | 0.6010% | 2,645 |
| Net interest margin | 3.1190% | 5,260 |
| Noninterest income to average assets | 0.1424% | 6,229 |
| Noninterest expense to average assets | 1.7336% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8564% | 2,998 |
| Return on assets (ROA) | 0.7604% | 3,589 |
| Pretax return on assets | 1.1524% | 2,764 |
| Return on Equity (ROE) | 5.5713% | 4,343 |
| Retained earnings to average equity (ytd only) | 4.1574% | 3,215 |
| Net charge-offs to loans | -0.0034% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1862% | 5,831 |
| Assets per employee ($millions) | 10.0042% | 229 |
| Cash dividends to net income (ytd only)* | 25.3776% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 3,001 |
| Loan loss allowance to noncurrent loans | 33,466.6667% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,445 |
| Noncurrent loans to loans | 0.0046% | 6,294 |
| Net loans and leases to total assets | 49.3068% | 5,159 |
| Net loans and leases to deposits | 58.0384% | 5,121 |
| Net loans and leases to core deposits | 61.4746% | 5,109 |
| Total domestic deposits to total assets | 84.9556% | 3,773 |
| Equity capital to assets | 12.7415% | 1,400 |
| Core capital (leverage) ratio | 13.0500% | 1,122 |
| Tier 1 risk-based capital ratio | 20.5442% | 1,529 |
| Total risk-based capital ratio | 21.7713% | 1,510 |
| Memoranda: | ||
| Average total assets | $130,594,200 | 4,059 |
| Average earning assets | $120,969,800 | 4,029 |
| Average equity | $17,823,600 | 3,444 |
| Average total loans | $59,636,000 | 4,623 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 5,191 |
| Cost of funding earning assets | 0.6051% | 2,769 |
| Net interest margin | 3.0836% | 5,366 |
| Noninterest income to average assets | 0.1438% | 6,314 |
| Noninterest expense to average assets | 1.7410% | 6,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9148% | 2,758 |
| Return on assets (ROA) | 0.9148% | 2,862 |
| Pretax return on assets | 1.2667% | 2,457 |
| Return on Equity (ROE) | 6.5942% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.7416% | 3,277 |
| Net charge-offs to loans | -0.0114% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8840% | 5,706 |
| Assets per employee ($millions) | 9.9697% | 236 |
| Cash dividends to net income (ytd only)* | 28.0935% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 2,452 |
| Loan loss allowance to noncurrent loans | 16,783.3333% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,510 |
| Noncurrent loans to loans | 0.0104% | 6,339 |
| Net loans and leases to total assets | 43.6276% | 5,759 |
| Net loans and leases to deposits | 51.5696% | 5,741 |
| Net loans and leases to core deposits | 54.4326% | 5,733 |
| Total domestic deposits to total assets | 84.5995% | 3,928 |
| Equity capital to assets | 13.1977% | 1,243 |
| Core capital (leverage) ratio | 13.4368% | 1,048 |
| Tier 1 risk-based capital ratio | 22.6437% | 1,205 |
| Total risk-based capital ratio | 23.8944% | 1,184 |
| Memoranda: | ||
| Average total assets | $130,729,000 | 4,094 |
| Average earning assets | $121,414,500 | 4,063 |
| Average equity | $18,136,750 | 3,433 |
| Average total loans | $58,262,500 | 4,716 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 5,203 |
| Cost of funding earning assets | 0.6097% | 2,848 |
| Net interest margin | 3.0731% | 5,357 |
| Noninterest income to average assets | 0.1388% | 6,358 |
| Noninterest expense to average assets | 1.7101% | 6,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9687% | 2,472 |
| Return on assets (ROA) | 0.9687% | 2,616 |
| Pretax return on assets | 1.2891% | 2,342 |
| Return on Equity (ROE) | 6.8720% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.1449% | 3,646 |
| Net charge-offs to loans | -0.0171% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0193% | 5,850 |
| Assets per employee ($millions) | 9.8291% | 231 |
| Cash dividends to net income (ytd only)* | 39.6850% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 2,416 |
| Loan loss allowance to noncurrent loans | 33,566.6667% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,579 |
| Noncurrent loans to loans | 0.0054% | 6,430 |
| Net loans and leases to total assets | 42.8305% | 5,835 |
| Net loans and leases to deposits | 50.1885% | 5,824 |
| Net loans and leases to core deposits | 52.7021% | 5,835 |
| Total domestic deposits to total assets | 85.3394% | 3,726 |
| Equity capital to assets | 13.5610% | 1,103 |
| Core capital (leverage) ratio | 13.2622% | 1,068 |
| Tier 1 risk-based capital ratio | 23.4812% | 1,064 |
| Total risk-based capital ratio | 24.7326% | 1,047 |
| Memoranda: | ||
| Average total assets | $131,103,330 | 4,119 |
| Average earning assets | $122,026,000 | 4,081 |
| Average equity | $18,480,670 | 3,398 |
| Average total loans | $58,499,670 | 4,726 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6527% | 5,298 |
| Cost of funding earning assets | 0.6029% | 3,083 |
| Net interest margin | 3.0498% | 5,435 |
| Noninterest income to average assets | 0.1326% | 6,432 |
| Noninterest expense to average assets | 1.6751% | 6,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9912% | 2,262 |
| Return on assets (ROA) | 0.9912% | 2,382 |
| Pretax return on assets | 1.3076% | 2,206 |
| Return on Equity (ROE) | 6.9056% | 3,541 |
| Retained earnings to average equity (ytd only) | 1.6162% | 5,177 |
| Net charge-offs to loans | -0.0134% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1616% | 6,052 |
| Assets per employee ($millions) | 10.3348% | 201 |
| Cash dividends to net income (ytd only)* | 76.5957% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 2,750 |
| Loan loss allowance to noncurrent loans | 25,100.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 6,638 |
| Noncurrent loans to loans | 0.0070% | 6,487 |
| Net loans and leases to total assets | 41.5416% | 5,876 |
| Net loans and leases to deposits | 48.9794% | 5,855 |
| Net loans and leases to core deposits | 51.3431% | 5,871 |
| Total domestic deposits to total assets | 84.8145% | 4,133 |
| Equity capital to assets | 14.1360% | 985 |
| Core capital (leverage) ratio | 13.8593% | 835 |
| Tier 1 risk-based capital ratio | 24.5859% | 945 |
| Total risk-based capital ratio | 25.8370% | 932 |
| Memoranda: | ||
| Average total assets | $132,766,000 | 4,125 |
| Average earning assets | $124,073,000 | 4,063 |
| Average equity | $19,057,000 | 3,368 |
| Average total loans | $59,882,000 | 4,710 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 5,236 |
| Cost of funding earning assets | 0.6745% | 3,691 |
| Net interest margin | 3.3463% | 5,083 |
| Noninterest income to average assets | 0.1602% | 6,231 |
| Noninterest expense to average assets | 2.2531% | 5,806 |
| Loan and lease loss provision to assets | 0.0604% | 5,024 |
| Net operating income to assets | 0.7406% | 3,552 |
| Return on assets (ROA) | 0.7406% | 3,798 |
| Pretax return on assets | 0.9498% | 3,747 |
| Return on Equity (ROE) | 4.9085% | 4,719 |
| Retained earnings to average equity (ytd only) | 3.7561% | 3,572 |
| Net charge-offs to loans | 0.0035% | 5,935 |
| Credit loss provision to net charge-offs | 3,750.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 627.5000% | 64 |
| Efficiency ratio | 69.0429% | 3,968 |
| Assets per employee ($millions) | 10.0908% | 228 |
| Cash dividends to net income (ytd only)* | 23.4783% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 3,360 |
| Loan loss allowance to noncurrent loans | 1,354.0541% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 6,482 |
| Noncurrent loans to loans | 0.1176% | 6,188 |
| Net loans and leases to total assets | 47.2221% | 5,483 |
| Net loans and leases to deposits | 57.5492% | 5,290 |
| Net loans and leases to core deposits | 60.1815% | 5,347 |
| Total domestic deposits to total assets | 82.0552% | 5,075 |
| Equity capital to assets | 14.5769% | 849 |
| Core capital (leverage) ratio | 14.3397% | 709 |
| Tier 1 risk-based capital ratio | 23.2224% | 1,075 |
| Total risk-based capital ratio | 24.4715% | 1,059 |
| Memoranda: | ||
| Average total assets | $124,230,400 | 4,266 |
| Average earning assets | $115,200,800 | 4,226 |
| Average equity | $18,743,000 | 3,370 |
| Average total loans | $57,793,800 | 4,805 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 5,521 |
| Cost of funding earning assets | 0.7025% | 3,747 |
| Net interest margin | 3.2963% | 5,404 |
| Noninterest income to average assets | 0.1665% | 6,308 |
| Noninterest expense to average assets | 1.7448% | 6,743 |
| Loan and lease loss provision to assets | 0.0816% | 4,609 |
| Net operating income to assets | 1.1407% | 1,949 |
| Return on assets (ROA) | 1.1407% | 2,140 |
| Pretax return on assets | 1.3943% | 2,259 |
| Return on Equity (ROE) | 7.4929% | 3,532 |
| Retained earnings to average equity (ytd only) | 5.9486% | 2,728 |
| Net charge-offs to loans | 0.0047% | 5,695 |
| Credit loss provision to net charge-offs | 3,750.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 677.1348% | 57 |
| Efficiency ratio | 54.1737% | 6,234 |
| Assets per employee ($millions) | 9.4211% | 287 |
| Cash dividends to net income (ytd only)* | 20.6105% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 2,821 |
| Loan loss allowance to noncurrent loans | 262.9921% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 5,918 |
| Noncurrent loans to loans | 0.6808% | 5,084 |
| Net loans and leases to total assets | 44.8773% | 5,883 |
| Net loans and leases to deposits | 53.6512% | 5,829 |
| Net loans and leases to core deposits | 56.5068% | 5,852 |
| Total domestic deposits to total assets | 83.6463% | 4,373 |
| Equity capital to assets | 15.6278% | 683 |
| Core capital (leverage) ratio | 14.9687% | 612 |
| Tier 1 risk-based capital ratio | 25.8975% | 832 |
| Total risk-based capital ratio | 27.1498% | 823 |
| Memoranda: | ||
| Average total assets | $122,493,000 | 4,340 |
| Average earning assets | $113,497,000 | 4,302 |
| Average equity | $18,648,250 | 3,414 |
| Average total loans | $56,505,250 | 4,903 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 5,708 |
| Cost of funding earning assets | 0.7231% | 3,821 |
| Net interest margin | 3.2568% | 5,571 |
| Noninterest income to average assets | 0.1682% | 6,338 |
| Noninterest expense to average assets | 1.7551% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2261% | 1,620 |
| Return on assets (ROA) | 1.2261% | 1,815 |
| Pretax return on assets | 1.4351% | 2,067 |
| Return on Equity (ROE) | 8.1258% | 3,204 |
| Retained earnings to average equity (ytd only) | 5.7887% | 2,831 |
| Net charge-offs to loans | -0.0106% | 6,291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0154% | 6,229 |
| Assets per employee ($millions) | 9.4085% | 281 |
| Cash dividends to net income (ytd only)* | 28.7617% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 3,313 |
| Loan loss allowance to noncurrent loans | 763.9344% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 6,549 |
| Noncurrent loans to loans | 0.2200% | 6,142 |
| Net loans and leases to total assets | 44.5761% | 5,959 |
| Net loans and leases to deposits | 53.1964% | 5,940 |
| Net loans and leases to core deposits | 56.0051% | 5,940 |
| Total domestic deposits to total assets | 83.7953% | 4,404 |
| Equity capital to assets | 15.4787% | 680 |
| Core capital (leverage) ratio | 14.9394% | 609 |
| Tier 1 risk-based capital ratio | 25.6287% | 845 |
| Total risk-based capital ratio | 26.8798% | 829 |
| Memoranda: | ||
| Average total assets | $122,499,330 | 4,362 |
| Average earning assets | $113,671,330 | 4,314 |
| Average equity | $18,484,330 | 3,429 |
| Average total loans | $56,685,330 | 4,921 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 5,896 |
| Cost of funding earning assets | 0.7523% | 3,846 |
| Net interest margin | 3.2025% | 5,777 |
| Noninterest income to average assets | 0.1468% | 6,506 |
| Noninterest expense to average assets | 1.6640% | 6,927 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2594% | 1,575 |
| Return on assets (ROA) | 1.2594% | 1,744 |
| Pretax return on assets | 1.4552% | 2,007 |
| Return on Equity (ROE) | 8.4554% | 3,079 |
| Retained earnings to average equity (ytd only) | 3.7239% | 4,354 |
| Net charge-offs to loans | -0.0209% | 6,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3473% | 6,406 |
| Assets per employee ($millions) | 9.5024% | 280 |
| Cash dividends to net income (ytd only)* | 55.9585% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 3,525 |
| Loan loss allowance to noncurrent loans | 287.6543% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 6,230 |
| Noncurrent loans to loans | 0.5751% | 5,518 |
| Net loans and leases to total assets | 44.8527% | 5,909 |
| Net loans and leases to deposits | 53.0642% | 5,896 |
| Net loans and leases to core deposits | 55.6217% | 5,936 |
| Total domestic deposits to total assets | 84.5253% | 4,260 |
| Equity capital to assets | 14.7582% | 791 |
| Core capital (leverage) ratio | 14.5457% | 679 |
| Tier 1 risk-based capital ratio | 24.6982% | 934 |
| Total risk-based capital ratio | 25.9488% | 922 |
| Memoranda: | ||
| Average total assets | $122,594,000 | 4,390 |
| Average earning assets | $113,786,000 | 4,339 |
| Average equity | $18,260,500 | 3,458 |
| Average total loans | $57,301,500 | 4,930 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 5,937 |
| Cost of funding earning assets | 1.0204% | 3,235 |
| Net interest margin | 3.2225% | 6,030 |
| Noninterest income to average assets | 0.1703% | 6,270 |
| Noninterest expense to average assets | 2.1843% | 6,303 |
| Loan and lease loss provision to assets | 0.1097% | 5,221 |
| Net operating income to assets | 0.7094% | 3,441 |
| Return on assets (ROA) | 0.7094% | 3,623 |
| Pretax return on assets | 0.8595% | 3,745 |
| Return on Equity (ROE) | 4.5432% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.6323% | 3,623 |
| Net charge-offs to loans | -0.0123% | 6,907 |
| Credit loss provision to net charge-offs | -1,785.7143% | 6,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2650% | 4,097 |
| Assets per employee ($millions) | 9.3582% | 292 |
| Cash dividends to net income (ytd only)* | 20.0495% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,611 |
| Loan loss allowance to noncurrent loans | 225.4854% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 6,126 |
| Noncurrent loans to loans | 0.7071% | 5,282 |
| Net loans and leases to total assets | 47.1284% | 5,913 |
| Net loans and leases to deposits | 56.2395% | 5,871 |
| Net loans and leases to core deposits | 58.9994% | 5,935 |
| Total domestic deposits to total assets | 83.7995% | 4,413 |
| Equity capital to assets | 15.0341% | 774 |
| Core capital (leverage) ratio | 14.4522% | 726 |
| Tier 1 risk-based capital ratio | 23.6983% | 997 |
| Total risk-based capital ratio | 24.9482% | 986 |
| Memoranda: | ||
| Average total assets | $113,901,600 | 4,553 |
| Average earning assets | $105,444,600 | 4,515 |
| Average equity | $17,784,800 | 3,452 |
| Average total loans | $56,741,600 | 4,995 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 5,983 |
| Cost of funding earning assets | 1.0777% | 3,125 |
| Net interest margin | 3.2113% | 6,134 |
| Noninterest income to average assets | 0.1762% | 6,326 |
| Noninterest expense to average assets | 1.6696% | 7,125 |
| Loan and lease loss provision to assets | 0.1489% | 4,587 |
| Net operating income to assets | 1.1361% | 1,861 |
| Return on assets (ROA) | 1.1361% | 1,977 |
| Pretax return on assets | 1.3349% | 2,171 |
| Return on Equity (ROE) | 7.2032% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.9800% | 2,568 |
| Net charge-offs to loans | -0.0166% | 6,867 |
| Credit loss provision to net charge-offs | -1,785.7143% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9456% | 6,599 |
| Assets per employee ($millions) | 9.0635% | 322 |
| Cash dividends to net income (ytd only)* | 16.9807% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 3,293 |
| Loan loss allowance to noncurrent loans | 121.4379% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 5,514 |
| Noncurrent loans to loans | 1.3957% | 4,204 |
| Net loans and leases to total assets | 45.7293% | 6,165 |
| Net loans and leases to deposits | 54.7054% | 6,145 |
| Net loans and leases to core deposits | 57.4277% | 6,177 |
| Total domestic deposits to total assets | 83.5919% | 4,437 |
| Equity capital to assets | 15.6213% | 699 |
| Core capital (leverage) ratio | 15.1294% | 641 |
| Tier 1 risk-based capital ratio | 25.3155% | 882 |
| Total risk-based capital ratio | 26.5660% | 874 |
| Memoranda: | ||
| Average total assets | $111,962,750 | 4,620 |
| Average earning assets | $103,797,500 | 4,582 |
| Average equity | $17,658,500 | 3,477 |
| Average total loans | $56,361,000 | 5,061 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 6,096 |
| Cost of funding earning assets | 1.1155% | 3,122 |
| Net interest margin | 3.1583% | 6,266 |
| Noninterest income to average assets | 0.1673% | 6,463 |
| Noninterest expense to average assets | 1.6726% | 7,205 |
| Loan and lease loss provision to assets | 0.1364% | 4,602 |
| Net operating income to assets | 1.0926% | 1,897 |
| Return on assets (ROA) | 1.0926% | 1,988 |
| Pretax return on assets | 1.2872% | 2,174 |
| Return on Equity (ROE) | 6.9043% | 3,488 |
| Retained earnings to average equity (ytd only) | 5.0433% | 2,977 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0223% | 6,621 |
| Assets per employee ($millions) | 8.6522% | 366 |
| Cash dividends to net income (ytd only)* | 26.9551% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 3,731 |
| Loan loss allowance to noncurrent loans | 101.3953% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 5,371 |
| Noncurrent loans to loans | 1.5685% | 4,058 |
| Net loans and leases to total assets | 47.9729% | 6,052 |
| Net loans and leases to deposits | 57.4399% | 6,005 |
| Net loans and leases to core deposits | 60.2490% | 6,069 |
| Total domestic deposits to total assets | 83.5186% | 4,543 |
| Equity capital to assets | 15.8582% | 632 |
| Core capital (leverage) ratio | 15.7147% | 537 |
| Tier 1 risk-based capital ratio | 25.3432% | 873 |
| Total risk-based capital ratio | 26.5943% | 856 |
| Memoranda: | ||
| Average total assets | $110,008,330 | 4,700 |
| Average earning assets | $102,015,330 | 4,652 |
| Average equity | $17,409,330 | 3,508 |
| Average total loans | $56,878,000 | 5,086 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 6,165 |
| Cost of funding earning assets | 1.1421% | 3,212 |
| Net interest margin | 3.1012% | 6,349 |
| Noninterest income to average assets | 0.1287% | 6,773 |
| Noninterest expense to average assets | 1.6842% | 7,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0995% | 1,846 |
| Return on assets (ROA) | 1.0995% | 1,894 |
| Pretax return on assets | 1.3202% | 1,975 |
| Return on Equity (ROE) | 6.9553% | 3,404 |
| Retained earnings to average equity (ytd only) | 3.1869% | 4,261 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0588% | 6,498 |
| Assets per employee ($millions) | 8.4139% | 409 |
| Cash dividends to net income (ytd only)* | 54.1806% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 4,714 |
| Loan loss allowance to noncurrent loans | 116.2044% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 5,703 |
| Noncurrent loans to loans | 1.1959% | 4,688 |
| Net loans and leases to total assets | 51.6397% | 5,627 |
| Net loans and leases to deposits | 61.6026% | 5,557 |
| Net loans and leases to core deposits | 64.6788% | 5,658 |
| Total domestic deposits to total assets | 83.8272% | 4,558 |
| Equity capital to assets | 15.7130% | 623 |
| Core capital (leverage) ratio | 15.3237% | 602 |
| Tier 1 risk-based capital ratio | 24.5313% | 925 |
| Total risk-based capital ratio | 25.6829% | 914 |
| Memoranda: | ||
| Average total assets | $108,773,500 | 4,767 |
| Average earning assets | $100,865,500 | 4,715 |
| Average equity | $17,195,500 | 3,535 |
| Average total loans | $57,901,500 | 5,092 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 6,261 |
| Cost of funding earning assets | 1.4551% | 2,929 |
| Net interest margin | 3.0920% | 6,540 |
| Noninterest income to average assets | 0.2022% | 6,338 |
| Noninterest expense to average assets | 1.9017% | 7,160 |
| Loan and lease loss provision to assets | 0.0729% | 6,421 |
| Net operating income to assets | 0.8060% | 2,773 |
| Return on assets (ROA) | 0.8060% | 2,905 |
| Pretax return on assets | 1.0539% | 2,756 |
| Return on Equity (ROE) | 4.9527% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.2000% | 2,901 |
| Net charge-offs to loans | 0.0036% | 6,818 |
| Credit loss provision to net charge-offs | 3,750.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 579.5000% | 38 |
| Efficiency ratio | 62.7929% | 5,558 |
| Assets per employee ($millions) | 8.3205% | 425 |
| Cash dividends to net income (ytd only)* | 15.1990% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 4,687 |
| Loan loss allowance to noncurrent loans | 132.3920% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 5,916 |
| Noncurrent loans to loans | 1.0287% | 5,010 |
| Net loans and leases to total assets | 53.3680% | 5,723 |
| Net loans and leases to deposits | 64.0340% | 5,625 |
| Net loans and leases to core deposits | 67.2711% | 5,746 |
| Total domestic deposits to total assets | 83.3432% | 4,664 |
| Equity capital to assets | 15.9052% | 599 |
| Core capital (leverage) ratio | 15.5773% | 565 |
| Tier 1 risk-based capital ratio | 19.7170% | 1,548 |
| Total risk-based capital ratio | 20.6513% | 1,588 |
| Memoranda: | ||
| Average total assets | $102,853,600 | 4,901 |
| Average earning assets | $94,016,400 | 4,892 |
| Average equity | $16,738,200 | 3,639 |
| Average total loans | $55,032,800 | 5,273 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 6,327 |
| Cost of funding earning assets | 1.5188% | 2,852 |
| Net interest margin | 3.0837% | 6,654 |
| Noninterest income to average assets | 0.2062% | 6,428 |
| Noninterest expense to average assets | 1.7808% | 7,350 |
| Loan and lease loss provision to assets | 0.0985% | 6,033 |
| Net operating income to assets | 0.9600% | 2,372 |
| Return on assets (ROA) | 0.9600% | 2,499 |
| Pretax return on assets | 1.1373% | 2,707 |
| Return on Equity (ROE) | 5.8636% | 3,879 |
| Retained earnings to average equity (ytd only) | 4.8530% | 3,079 |
| Net charge-offs to loans | 0.0049% | 6,598 |
| Credit loss provision to net charge-offs | 3,750.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 469.9026% | 71 |
| Efficiency ratio | 59.0335% | 6,102 |
| Assets per employee ($millions) | 8.0161% | 506 |
| Cash dividends to net income (ytd only)* | 17.2371% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 4,110 |
| Loan loss allowance to noncurrent loans | 301.8939% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 6,733 |
| Noncurrent loans to loans | 0.4866% | 6,222 |
| Net loans and leases to total assets | 51.2979% | 6,188 |
| Net loans and leases to deposits | 61.7222% | 6,145 |
| Net loans and leases to core deposits | 64.2018% | 6,285 |
| Total domestic deposits to total assets | 83.1109% | 4,546 |
| Equity capital to assets | 16.2596% | 629 |
| Core capital (leverage) ratio | 16.0139% | 560 |
| Tier 1 risk-based capital ratio | 20.8205% | 1,391 |
| Total risk-based capital ratio | 21.8111% | 1,416 |
| Memoranda: | ||
| Average total assets | $101,525,500 | 5,000 |
| Average earning assets | $92,526,000 | 4,992 |
| Average equity | $16,621,750 | 3,705 |
| Average total loans | $54,160,250 | 5,380 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 6,330 |
| Cost of funding earning assets | 1.5430% | 2,995 |
| Net interest margin | 3.1014% | 6,608 |
| Noninterest income to average assets | 0.2027% | 6,457 |
| Noninterest expense to average assets | 1.7808% | 7,407 |
| Loan and lease loss provision to assets | 0.0994% | 5,916 |
| Net operating income to assets | 0.9560% | 2,344 |
| Return on assets (ROA) | 0.9560% | 2,428 |
| Pretax return on assets | 1.1348% | 2,652 |
| Return on Equity (ROE) | 5.8252% | 3,881 |
| Retained earnings to average equity (ytd only) | 4.2993% | 3,345 |
| Net charge-offs to loans | -0.0037% | 7,093 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0639% | 6,207 |
| Assets per employee ($millions) | 7.8475% | 535 |
| Cash dividends to net income (ytd only)* | 26.1954% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 4,268 |
| Loan loss allowance to noncurrent loans | 265.4110% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 6,703 |
| Noncurrent loans to loans | 0.5404% | 6,172 |
| Net loans and leases to total assets | 52.2045% | 6,190 |
| Net loans and leases to deposits | 62.8643% | 6,148 |
| Net loans and leases to core deposits | 65.4227% | 6,284 |
| Total domestic deposits to total assets | 83.0432% | 4,554 |
| Equity capital to assets | 16.3765% | 613 |
| Core capital (leverage) ratio | 16.5127% | 496 |
| Tier 1 risk-based capital ratio | 20.9612% | 1,346 |
| Total risk-based capital ratio | 21.9456% | 1,365 |
| Memoranda: | ||
| Average total assets | $100,631,000 | 5,059 |
| Average earning assets | $91,248,330 | 5,054 |
| Average equity | $16,514,330 | 3,718 |
| Average total loans | $54,129,000 | 5,414 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 6,491 |
| Cost of funding earning assets | 1.5845% | 3,046 |
| Net interest margin | 3.0399% | 6,738 |
| Noninterest income to average assets | 0.2041% | 6,505 |
| Noninterest expense to average assets | 1.8331% | 7,434 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9246% | 2,454 |
| Return on assets (ROA) | 0.9246% | 2,517 |
| Pretax return on assets | 1.1047% | 2,718 |
| Return on Equity (ROE) | 5.6280% | 4,048 |
| Retained earnings to average equity (ytd only) | 2.5582% | 4,602 |
| Net charge-offs to loans | -0.0074% | 6,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3978% | 5,755 |
| Assets per employee ($millions) | 7.6585% | 602 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 4,588 |
| Loan loss allowance to noncurrent loans | 317.9825% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 6,884 |
| Noncurrent loans to loans | 0.4300% | 6,441 |
| Net loans and leases to total assets | 52.5256% | 6,213 |
| Net loans and leases to deposits | 63.3357% | 6,131 |
| Net loans and leases to core deposits | 65.9624% | 6,283 |
| Total domestic deposits to total assets | 82.9321% | 4,661 |
| Equity capital to assets | 16.5185% | 600 |
| Core capital (leverage) ratio | 16.2797% | 534 |
| Tier 1 risk-based capital ratio | 21.0684% | 1,331 |
| Total risk-based capital ratio | 22.0082% | 1,356 |
| Memoranda: | ||
| Average total assets | $99,937,500 | 5,151 |
| Average earning assets | $89,870,500 | 5,170 |
| Average equity | $16,418,000 | 3,757 |
| Average total loans | $54,177,000 | 5,487 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 6,549 |
| Cost of funding earning assets | 1.8833% | 3,544 |
| Net interest margin | 3.0790% | 6,441 |
| Noninterest income to average assets | 0.2189% | 6,546 |
| Noninterest expense to average assets | 2.0558% | 7,274 |
| Loan and lease loss provision to assets | 0.0529% | 7,036 |
| Net operating income to assets | 0.7392% | 2,776 |
| Return on assets (ROA) | 0.7392% | 2,859 |
| Pretax return on assets | 0.8851% | 2,969 |
| Return on Equity (ROE) | 4.3385% | 3,949 |
| Retained earnings to average equity (ytd only) | 3.5564% | 2,689 |
| Net charge-offs to loans | 0.1812% | 5,512 |
| Credit loss provision to net charge-offs | 51.5464% | 6,726 |
| Earnings coverage of net charge-offs (x) | 9.1443% | 1,840 |
| Efficiency ratio | 68.6683% | 4,888 |
| Assets per employee ($millions) | 7.7165% | 574 |
| Cash dividends to net income (ytd only)* | 18.0258% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,705 |
| Loan loss allowance to noncurrent loans | 428.4024% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 7,060 |
| Noncurrent loans to loans | 0.3054% | 6,667 |
| Net loans and leases to total assets | 54.4391% | 6,147 |
| Net loans and leases to deposits | 65.6071% | 6,098 |
| Net loans and leases to core deposits | 75.1304% | 6,460 |
| Total domestic deposits to total assets | 82.9775% | 4,528 |
| Equity capital to assets | 16.3387% | 654 |
| Core capital (leverage) ratio | 16.5143% | 550 |
| Tier 1 risk-based capital ratio | 20.3219% | 1,404 |
| Total risk-based capital ratio | 21.2330% | 1,428 |
| Memoranda: | ||
| Average total assets | $94,561,000 | 5,253 |
| Average earning assets | $85,223,800 | 5,292 |
| Average equity | $16,111,600 | 3,850 |
| Average total loans | $53,546,200 | 5,525 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 6,754 |
| Cost of funding earning assets | 1.9319% | 3,703 |
| Net interest margin | 3.0208% | 6,546 |
| Noninterest income to average assets | 0.2234% | 6,629 |
| Noninterest expense to average assets | 1.8398% | 7,624 |
| Loan and lease loss provision to assets | 0.0716% | 6,639 |
| Net operating income to assets | 0.9278% | 2,313 |
| Return on assets (ROA) | 0.9278% | 2,382 |
| Pretax return on assets | 1.0566% | 2,716 |
| Return on Equity (ROE) | 5.3857% | 3,796 |
| Retained earnings to average equity (ytd only) | 4.3385% | 2,846 |
| Net charge-offs to loans | 0.1356% | 5,344 |
| Credit loss provision to net charge-offs | 92.5926% | 5,411 |
| Earnings coverage of net charge-offs (x) | 14.5922% | 1,588 |
| Efficiency ratio | 61.9875% | 6,106 |
| Assets per employee ($millions) | 7.3165% | 691 |
| Cash dividends to net income (ytd only)* | 19.4449% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 3,674 |
| Loan loss allowance to noncurrent loans | 155.2632% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 6,164 |
| Noncurrent loans to loans | 0.9365% | 5,423 |
| Net loans and leases to total assets | 54.6534% | 6,308 |
| Net loans and leases to deposits | 66.6722% | 6,243 |
| Net loans and leases to core deposits | 77.8573% | 6,502 |
| Total domestic deposits to total assets | 81.9732% | 4,689 |
| Equity capital to assets | 17.1994% | 604 |
| Core capital (leverage) ratio | 16.9328% | 560 |
| Tier 1 risk-based capital ratio | 21.0578% | 1,360 |
| Total risk-based capital ratio | 22.0619% | 1,366 |
| Memoranda: | ||
| Average total assets | $93,122,750 | 5,326 |
| Average earning assets | $84,611,750 | 5,353 |
| Average equity | $16,042,000 | 3,905 |
| Average total loans | $53,099,250 | 5,590 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 7,057 |
| Cost of funding earning assets | 1.9452% | 4,032 |
| Net interest margin | 2.9438% | 6,700 |
| Noninterest income to average assets | 0.2250% | 6,682 |
| Noninterest expense to average assets | 1.8581% | 7,675 |
| Loan and lease loss provision to assets | 0.1082% | 6,076 |
| Net operating income to assets | 0.8133% | 2,805 |
| Return on assets (ROA) | 0.8133% | 2,900 |
| Pretax return on assets | 0.9431% | 3,202 |
| Return on Equity (ROE) | 4.7188% | 4,202 |
| Retained earnings to average equity (ytd only) | 3.1375% | 3,569 |
| Net charge-offs to loans | 0.2029% | 4,266 |
| Credit loss provision to net charge-offs | 92.5926% | 4,846 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,188 |
| Efficiency ratio | 63.8662% | 5,943 |
| Assets per employee ($millions) | 7.2550% | 685 |
| Cash dividends to net income (ytd only)* | 33.5106% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 3,346 |
| Loan loss allowance to noncurrent loans | 128.6913% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 5,835 |
| Noncurrent loans to loans | 1.1434% | 4,928 |
| Net loans and leases to total assets | 54.4548% | 6,391 |
| Net loans and leases to deposits | 66.2167% | 6,371 |
| Net loans and leases to core deposits | 77.2455% | 6,592 |
| Total domestic deposits to total assets | 82.2372% | 4,596 |
| Equity capital to assets | 17.0302% | 662 |
| Core capital (leverage) ratio | 16.9919% | 614 |
| Tier 1 risk-based capital ratio | 21.2201% | 1,361 |
| Total risk-based capital ratio | 22.2494% | 1,367 |
| Memoranda: | ||
| Average total assets | $92,459,000 | 5,386 |
| Average earning assets | $84,311,670 | 5,401 |
| Average equity | $15,936,330 | 3,935 |
| Average total loans | $53,215,670 | 5,628 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 7,293 |
| Cost of funding earning assets | 1.9747% | 4,266 |
| Net interest margin | 2.8736% | 6,826 |
| Noninterest income to average assets | 0.2316% | 6,616 |
| Noninterest expense to average assets | 1.8442% | 7,640 |
| Loan and lease loss provision to assets | 0.2185% | 4,268 |
| Net operating income to assets | 0.6643% | 3,734 |
| Return on assets (ROA) | 0.6643% | 3,911 |
| Pretax return on assets | 0.7954% | 4,091 |
| Return on Equity (ROE) | 3.8303% | 5,010 |
| Retained earnings to average equity (ytd only) | 0.6552% | 5,401 |
| Net charge-offs to loans | -0.0074% | 7,237 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5260% | 5,593 |
| Assets per employee ($millions) | 7.1341% | 729 |
| Cash dividends to net income (ytd only)* | 82.8947% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 2,579 |
| Loan loss allowance to noncurrent loans | 182.6667% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 6,022 |
| Noncurrent loans to loans | 0.8679% | 5,280 |
| Net loans and leases to total assets | 55.0187% | 6,353 |
| Net loans and leases to deposits | 66.9510% | 6,282 |
| Net loans and leases to core deposits | 78.0942% | 6,530 |
| Total domestic deposits to total assets | 82.1776% | 4,478 |
| Equity capital to assets | 17.1086% | 710 |
| Core capital (leverage) ratio | 16.8039% | 679 |
| Tier 1 risk-based capital ratio | 21.2248% | 1,417 |
| Total risk-based capital ratio | 22.3440% | 1,407 |
| Memoranda: | ||
| Average total assets | $91,531,000 | 5,439 |
| Average earning assets | $83,659,500 | 5,437 |
| Average equity | $15,873,500 | 3,970 |
| Average total loans | $53,760,500 | 5,643 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 7,145 |
| Cost of funding earning assets | 2.4953% | 4,232 |
| Net interest margin | 3.0786% | 6,711 |
| Noninterest income to average assets | 0.2372% | 6,747 |
| Noninterest expense to average assets | 1.9797% | 7,480 |
| Loan and lease loss provision to assets | 0.0835% | 6,348 |
| Net operating income to assets | 0.8585% | 3,185 |
| Return on assets (ROA) | 0.8585% | 3,028 |
| Pretax return on assets | 0.9887% | 3,420 |
| Return on Equity (ROE) | 4.9966% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.2967% | 2,440 |
| Net charge-offs to loans | 0.2349% | 3,899 |
| Credit loss provision to net charge-offs | 61.4754% | 6,215 |
| Earnings coverage of net charge-offs (x) | 7.8934% | 3,003 |
| Efficiency ratio | 64.8668% | 5,357 |
| Assets per employee ($millions) | 6.9476% | 723 |
| Cash dividends to net income (ytd only)* | 14.0078% | 4,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 3,288 |
| Loan loss allowance to noncurrent loans | 372.4638% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 6,653 |
| Noncurrent loans to loans | 0.3718% | 6,241 |
| Net loans and leases to total assets | 60.7868% | 5,797 |
| Net loans and leases to deposits | 74.7454% | 5,769 |
| Net loans and leases to core deposits | 88.1493% | 5,962 |
| Total domestic deposits to total assets | 81.3251% | 4,496 |
| Equity capital to assets | 17.5821% | 707 |
| Core capital (leverage) ratio | 17.2851% | 668 |
| Tier 1 risk-based capital ratio | 20.3186% | 1,566 |
| Total risk-based capital ratio | 21.3252% | 1,570 |
| Memoranda: | ||
| Average total assets | $89,810,400 | 5,362 |
| Average earning assets | $82,116,000 | 5,369 |
| Average equity | $15,430,600 | 4,042 |
| Average total loans | $51,936,600 | 5,621 |