Home > Warren Bank and Trust Company > Performance and Condition Ratios
Warren Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,292 |
| Cost of funding earning assets | 1.3558% | 2,342 |
| Net interest margin | 2.3197% | 4,247 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.4627% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0517% | 4,286 |
| Return on assets (ROA) | 0.0517% | 4,315 |
| Pretax return on assets | 0.0517% | 4,309 |
| Return on Equity (ROE) | 0.4900% | 4,305 |
| Retained earnings to average equity (ytd only) | -0.7481% | 4,166 |
| Net charge-offs to loans | 0.0200% | 1,946 |
| Credit loss provision to net charge-offs | 35.7143% | 2,259 |
| Earnings coverage of net charge-offs (x) | 5.7857% | 2,510 |
| Efficiency ratio | 97.8108% | 219 |
| Assets per employee ($millions) | 4.2096% | 4,081 |
| Cash dividends to net income (ytd only)* | 252.6316% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,095 |
| Loan loss allowance to noncurrent loans | 88.3582% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 836 |
| Noncurrent loans to loans | 1.3964% | 499 |
| Net loans and leases to total assets | 45.6400% | 3,827 |
| Net loans and leases to deposits | 63.3274% | 3,332 |
| Net loans and leases to core deposits | 72.8509% | 3,134 |
| Total domestic deposits to total assets | 72.0700% | 4,229 |
| Equity capital to assets | 10.6834% | 1,637 |
| Core capital (leverage) ratio | 13.7342% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $146,949,800 | 3,394 |
| Average earning assets | $141,831,200 | 3,328 |
| Average equity | $15,506,600 | 3,220 |
| Average total loans | $70,096,800 | 3,547 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 4,334 |
| Cost of funding earning assets | 1.1236% | 2,674 |
| Net interest margin | 2.4439% | 4,192 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4723% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1704% | 4,265 |
| Return on assets (ROA) | 0.1704% | 4,281 |
| Pretax return on assets | 0.1704% | 4,289 |
| Return on Equity (ROE) | 1.6200% | 4,243 |
| Retained earnings to average equity (ytd only) | -0.0613% | 4,155 |
| Net charge-offs to loans | 0.0153% | 1,849 |
| Credit loss provision to net charge-offs | 62.5000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 23.7500% | 1,724 |
| Efficiency ratio | 93.3890% | 282 |
| Assets per employee ($millions) | 4.3444% | 4,029 |
| Cash dividends to net income (ytd only)* | 103.7838% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,195 |
| Loan loss allowance to noncurrent loans | 91.7864% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 896 |
| Noncurrent loans to loans | 1.3446% | 567 |
| Net loans and leases to total assets | 47.0500% | 3,784 |
| Net loans and leases to deposits | 64.5687% | 3,223 |
| Net loans and leases to core deposits | 73.7709% | 3,007 |
| Total domestic deposits to total assets | 72.8700% | 4,222 |
| Equity capital to assets | 9.6268% | 2,026 |
| Core capital (leverage) ratio | 14.5355% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,748,500 | 3,416 |
| Average earning assets | $139,665,750 | 3,360 |
| Average equity | $15,223,250 | 3,238 |
| Average total loans | $69,627,750 | 3,565 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5627% | 4,288 |
| Cost of funding earning assets | 0.9391% | 2,806 |
| Net interest margin | 2.6236% | 4,085 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.4987% | 2,211 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3218% | 4,126 |
| Return on assets (ROA) | 0.3218% | 4,151 |
| Pretax return on assets | 0.3218% | 4,205 |
| Return on Equity (ROE) | 2.9700% | 4,162 |
| Retained earnings to average equity (ytd only) | 0.4799% | 3,989 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.3698% | 412 |
| Assets per employee ($millions) | 3.7752% | 4,264 |
| Cash dividends to net income (ytd only)* | 83.8428% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,058 |
| Loan loss allowance to noncurrent loans | 83.8290% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 683 |
| Noncurrent loans to loans | 1.5167% | 434 |
| Net loans and leases to total assets | 48.8200% | 3,639 |
| Net loans and leases to deposits | 60.0568% | 3,411 |
| Net loans and leases to core deposits | 67.2143% | 3,275 |
| Total domestic deposits to total assets | 81.2900% | 3,381 |
| Equity capital to assets | 10.5494% | 1,576 |
| Core capital (leverage) ratio | 14.9208% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0946% | 237 |
| Memoranda: | ||
| Average total assets | $142,313,000 | 3,456 |
| Average earning assets | $137,367,333 | 3,391 |
| Average equity | $15,418,333 | 3,234 |
| Average total loans | $68,690,333 | 3,589 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 4,241 |
| Cost of funding earning assets | 0.7864% | 2,783 |
| Net interest margin | 2.7334% | 4,031 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.4919% | 2,267 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4036% | 4,084 |
| Return on assets (ROA) | 0.4036% | 4,030 |
| Pretax return on assets | 0.4036% | 4,126 |
| Return on Equity (ROE) | 3.6800% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.6760% | 3,356 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.6450% | 524 |
| Assets per employee ($millions) | 3.8812% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 1,978 |
| Loan loss allowance to noncurrent loans | 317.6056% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,157 |
| Noncurrent loans to loans | 0.4131% | 1,693 |
| Net loans and leases to total assets | 47.2500% | 3,688 |
| Net loans and leases to deposits | 56.7348% | 3,530 |
| Net loans and leases to core deposits | 62.8077% | 3,402 |
| Total domestic deposits to total assets | 83.2800% | 3,243 |
| Equity capital to assets | 10.9383% | 1,367 |
| Core capital (leverage) ratio | 14.9709% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8712% | 218 |
| Memoranda: | ||
| Average total assets | $141,740,000 | 3,506 |
| Average earning assets | $136,828,000 | 3,443 |
| Average equity | $15,560,500 | 3,255 |
| Average total loans | $67,564,500 | 3,648 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9837% | 4,152 |
| Cost of funding earning assets | 0.3234% | 2,694 |
| Net interest margin | 2.6602% | 4,103 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.3703% | 2,515 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.4810% | 4,111 |
| Return on assets (ROA) | 0.4810% | 4,078 |
| Pretax return on assets | 0.4810% | 4,194 |
| Return on Equity (ROE) | 4.1000% | 4,147 |
| Retained earnings to average equity (ytd only) | 1.9233% | 3,993 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.4214% | 628 |
| Assets per employee ($millions) | 3.8687% | 4,324 |
| Cash dividends to net income (ytd only)* | 53.1120% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 1,678 |
| Loan loss allowance to noncurrent loans | 815.4545% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 3,009 |
| Noncurrent loans to loans | 0.1657% | 2,655 |
| Net loans and leases to total assets | 47.0200% | 3,734 |
| Net loans and leases to deposits | 55.1855% | 3,617 |
| Net loans and leases to core deposits | 59.9427% | 3,510 |
| Total domestic deposits to total assets | 85.2000% | 2,938 |
| Equity capital to assets | 10.6359% | 1,396 |
| Core capital (leverage) ratio | 14.9095% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3577% | 202 |
| Memoranda: | ||
| Average total assets | $150,320,600 | 3,436 |
| Average earning assets | $145,626,600 | 3,370 |
| Average equity | $17,626,400 | 3,154 |
| Average total loans | $59,644,000 | 3,739 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8505% | 4,128 |
| Cost of funding earning assets | 0.2957% | 2,220 |
| Net interest margin | 2.5549% | 4,160 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.2610% | 2,751 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.4965% | 4,081 |
| Return on assets (ROA) | 0.4965% | 4,032 |
| Pretax return on assets | 0.4965% | 4,154 |
| Return on Equity (ROE) | 4.1500% | 4,126 |
| Retained earnings to average equity (ytd only) | 2.0513% | 4,019 |
| Net charge-offs to loans | -0.0299% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.2225% | 763 |
| Assets per employee ($millions) | 3.9654% | 4,336 |
| Cash dividends to net income (ytd only)* | 50.5263% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4679% | 4,506 |
| Loan loss allowance to noncurrent loans | 208.6331% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 2,973 |
| Noncurrent loans to loans | 0.2243% | 2,492 |
| Net loans and leases to total assets | 43.2100% | 3,923 |
| Net loans and leases to deposits | 49.3472% | 3,894 |
| Net loans and leases to core deposits | 53.1393% | 3,800 |
| Total domestic deposits to total assets | 87.5600% | 2,572 |
| Equity capital to assets | 10.0591% | 1,585 |
| Core capital (leverage) ratio | 14.6548% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9638% | 195 |
| Memoranda: | ||
| Average total assets | $153,082,250 | 3,438 |
| Average earning assets | $148,367,250 | 3,364 |
| Average equity | $18,329,750 | 3,131 |
| Average total loans | $57,960,250 | 3,781 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6578% | 4,206 |
| Cost of funding earning assets | 0.2764% | 1,941 |
| Net interest margin | 2.3814% | 4,250 |
| Noninterest income to average assets | 0.3693% | 2,935 |
| Noninterest expense to average assets | 2.1709% | 2,940 |
| Loan and lease loss provision to assets | 0.0332% | 1,992 |
| Net operating income to assets | 0.4766% | 3,955 |
| Return on assets (ROA) | 0.4766% | 3,906 |
| Pretax return on assets | 0.4766% | 4,035 |
| Return on Equity (ROE) | 3.7959% | 4,070 |
| Retained earnings to average equity (ytd only) | 1.8420% | 3,800 |
| Net charge-offs to loans | -0.0495% | 4,234 |
| Credit loss provision to net charge-offs | -185.7143% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9819% | 875 |
| Assets per employee ($millions) | 4.4026% | 4,152 |
| Cash dividends to net income (ytd only)* | 51.4745% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4137% | 4,612 |
| Loan loss allowance to noncurrent loans | 188.5496% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,128 |
| Noncurrent loans to loans | 0.2194% | 2,624 |
| Net loans and leases to total assets | 38.5906% | 4,144 |
| Net loans and leases to deposits | 44.5554% | 4,091 |
| Net loans and leases to core deposits | 47.9390% | 4,026 |
| Total domestic deposits to total assets | 86.6125% | 3,071 |
| Equity capital to assets | 11.0992% | 1,168 |
| Core capital (leverage) ratio | 14.2278% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4539% | 168 |
| Memoranda: | ||
| Average total assets | $156,524,333 | 3,448 |
| Average earning assets | $151,930,000 | 3,378 |
| Average equity | $19,653,000 | 3,097 |
| Average total loans | $56,622,667 | 3,849 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5344% | 4,222 |
| Cost of funding earning assets | 0.2636% | 1,996 |
| Net interest margin | 2.2707% | 4,271 |
| Noninterest income to average assets | 0.3854% | 2,780 |
| Noninterest expense to average assets | 2.1022% | 3,136 |
| Loan and lease loss provision to assets | 0.0456% | 1,543 |
| Net operating income to assets | 0.4438% | 3,862 |
| Return on assets (ROA) | 0.4438% | 3,826 |
| Pretax return on assets | 0.4438% | 3,962 |
| Return on Equity (ROE) | 3.3448% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.3448% | 3,156 |
| Net charge-offs to loans | 0.1017% | 511 |
| Credit loss provision to net charge-offs | 128.5714% | 906 |
| Earnings coverage of net charge-offs (x) | 13.7857% | 1,382 |
| Efficiency ratio | 81.1155% | 1,062 |
| Assets per employee ($millions) | 4.4745% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3685% | 4,659 |
| Loan loss allowance to noncurrent loans | 163.5659% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 3,255 |
| Noncurrent loans to loans | 0.2253% | 2,694 |
| Net loans and leases to total assets | 36.4247% | 4,183 |
| Net loans and leases to deposits | 42.5587% | 4,138 |
| Net loans and leases to core deposits | 46.0947% | 4,066 |
| Total domestic deposits to total assets | 85.5869% | 3,387 |
| Equity capital to assets | 12.3385% | 847 |
| Core capital (leverage) ratio | 14.5786% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6185% | 153 |
| Memoranda: | ||
| Average total assets | $157,740,500 | 3,441 |
| Average earning assets | $153,254,000 | 3,376 |
| Average equity | $20,928,000 | 3,063 |
| Average total loans | $55,078,000 | 3,886 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7647% | 4,250 |
| Cost of funding earning assets | 0.3100% | 2,294 |
| Net interest margin | 2.4547% | 4,249 |
| Noninterest income to average assets | 0.2612% | 3,811 |
| Noninterest expense to average assets | 2.1754% | 3,159 |
| Loan and lease loss provision to assets | 0.0048% | 2,981 |
| Net operating income to assets | 0.4624% | 4,156 |
| Return on assets (ROA) | 0.4658% | 4,200 |
| Pretax return on assets | 0.4658% | 4,301 |
| Return on Equity (ROE) | 2.9086% | 4,371 |
| Retained earnings to average equity (ytd only) | 0.8645% | 4,295 |
| Net charge-offs to loans | 0.0897% | 918 |
| Credit loss provision to net charge-offs | 15.2174% | 2,286 |
| Earnings coverage of net charge-offs (x) | 14.8913% | 2,017 |
| Efficiency ratio | 82.3226% | 654 |
| Assets per employee ($millions) | 4.5392% | 4,084 |
| Cash dividends to net income (ytd only)* | 70.2782% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3913% | 4,690 |
| Loan loss allowance to noncurrent loans | 139.8649% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 3,286 |
| Noncurrent loans to loans | 0.2798% | 2,604 |
| Net loans and leases to total assets | 33.1674% | 4,400 |
| Net loans and leases to deposits | 39.3959% | 4,357 |
| Net loans and leases to core deposits | 42.3987% | 4,332 |
| Total domestic deposits to total assets | 84.1899% | 3,512 |
| Equity capital to assets | 14.1830% | 632 |
| Core capital (leverage) ratio | 14.0676% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8404% | 148 |
| Memoranda: | ||
| Average total assets | $146,641,600 | 3,515 |
| Average earning assets | $142,256,800 | 3,451 |
| Average equity | $23,481,800 | 2,943 |
| Average total loans | $51,285,400 | 3,976 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8426% | 4,243 |
| Cost of funding earning assets | 0.3161% | 2,445 |
| Net interest margin | 2.5265% | 4,227 |
| Noninterest income to average assets | 0.2544% | 3,872 |
| Noninterest expense to average assets | 2.1943% | 3,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5098% | 4,181 |
| Return on assets (ROA) | 0.5144% | 4,220 |
| Pretax return on assets | 0.5144% | 4,352 |
| Return on Equity (ROE) | 3.1142% | 4,448 |
| Retained earnings to average equity (ytd only) | 1.0905% | 4,401 |
| Net charge-offs to loans | 0.0367% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 39.2143% | 1,380 |
| Efficiency ratio | 81.1470% | 695 |
| Assets per employee ($millions) | 5.0279% | 3,673 |
| Cash dividends to net income (ytd only)* | 64.9819% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4482% | 4,746 |
| Loan loss allowance to noncurrent loans | 78.1145% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 2,879 |
| Noncurrent loans to loans | 0.5737% | 1,871 |
| Net loans and leases to total assets | 32.0294% | 4,538 |
| Net loans and leases to deposits | 38.2363% | 4,516 |
| Net loans and leases to core deposits | 40.9913% | 4,482 |
| Total domestic deposits to total assets | 83.7669% | 3,517 |
| Equity capital to assets | 14.6010% | 617 |
| Core capital (leverage) ratio | 14.2260% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9939% | 145 |
| Memoranda: | ||
| Average total assets | $143,583,750 | 3,585 |
| Average earning assets | $139,212,500 | 3,515 |
| Average equity | $23,719,000 | 2,966 |
| Average total loans | $50,881,500 | 4,034 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0035% | 4,039 |
| Cost of funding earning assets | 0.3324% | 2,471 |
| Net interest margin | 2.6711% | 4,038 |
| Noninterest income to average assets | 0.2699% | 3,785 |
| Noninterest expense to average assets | 2.2726% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5863% | 4,011 |
| Return on assets (ROA) | 0.5863% | 4,066 |
| Pretax return on assets | 0.5863% | 4,258 |
| Return on Equity (ROE) | 3.3957% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.3785% | 4,264 |
| Net charge-offs to loans | 0.0474% | 1,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,251 |
| Efficiency ratio | 79.4924% | 815 |
| Assets per employee ($millions) | 4.2632% | 4,285 |
| Cash dividends to net income (ytd only)* | 59.4059% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4579% | 4,768 |
| Loan loss allowance to noncurrent loans | 63.9344% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 2,611 |
| Noncurrent loans to loans | 0.7163% | 1,650 |
| Net loans and leases to total assets | 36.1540% | 4,458 |
| Net loans and leases to deposits | 44.4270% | 4,369 |
| Net loans and leases to core deposits | 47.5547% | 4,347 |
| Total domestic deposits to total assets | 81.3785% | 4,031 |
| Equity capital to assets | 16.6782% | 351 |
| Core capital (leverage) ratio | 16.1902% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.5373% | 124 |
| Memoranda: | ||
| Average total assets | $137,814,000 | 3,656 |
| Average earning assets | $133,576,000 | 3,591 |
| Average equity | $23,794,667 | 2,952 |
| Average total loans | $50,587,000 | 4,074 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 3,965 |
| Cost of funding earning assets | 0.3482% | 2,536 |
| Net interest margin | 2.7132% | 3,935 |
| Noninterest income to average assets | 0.2581% | 3,855 |
| Noninterest expense to average assets | 2.2878% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5983% | 3,950 |
| Return on assets (ROA) | 0.5983% | 4,013 |
| Pretax return on assets | 0.5983% | 4,193 |
| Return on Equity (ROE) | 3.4057% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.4057% | 3,659 |
| Net charge-offs to loans | -0.0238% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2683% | 869 |
| Assets per employee ($millions) | 4.2007% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5011% | 4,773 |
| Loan loss allowance to noncurrent loans | 68.0328% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 2,812 |
| Noncurrent loans to loans | 0.7365% | 1,757 |
| Net loans and leases to total assets | 35.6670% | 4,518 |
| Net loans and leases to deposits | 44.0959% | 4,417 |
| Net loans and leases to core deposits | 46.3457% | 4,427 |
| Total domestic deposits to total assets | 80.8850% | 4,080 |
| Equity capital to assets | 17.0281% | 309 |
| Core capital (leverage) ratio | 16.9434% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1818% | 124 |
| Memoranda: | ||
| Average total assets | $136,377,500 | 3,678 |
| Average earning assets | $132,093,000 | 3,606 |
| Average equity | $23,960,000 | 2,933 |
| Average total loans | $50,331,500 | 4,098 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3289% | 4,289 |
| Cost of funding earning assets | 0.5512% | 2,605 |
| Net interest margin | 2.7777% | 4,288 |
| Noninterest income to average assets | 0.2867% | 3,771 |
| Noninterest expense to average assets | 2.4835% | 2,898 |
| Loan and lease loss provision to assets | 0.0161% | 4,178 |
| Net operating income to assets | 0.4673% | 4,100 |
| Return on assets (ROA) | 0.4681% | 4,181 |
| Pretax return on assets | 0.4681% | 4,326 |
| Return on Equity (ROE) | 2.5563% | 4,469 |
| Retained earnings to average equity (ytd only) | 0.1385% | 4,482 |
| Net charge-offs to loans | 0.0406% | 2,244 |
| Credit loss provision to net charge-offs | 105.0000% | 2,769 |
| Earnings coverage of net charge-offs (x) | 31.4500% | 1,567 |
| Efficiency ratio | 83.7047% | 655 |
| Assets per employee ($millions) | 4.3268% | 4,091 |
| Cash dividends to net income (ytd only)* | 94.5813% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4826% | 4,802 |
| Loan loss allowance to noncurrent loans | 63.8961% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 2,551 |
| Noncurrent loans to loans | 0.7553% | 1,816 |
| Net loans and leases to total assets | 37.8175% | 4,527 |
| Net loans and leases to deposits | 47.5100% | 4,410 |
| Net loans and leases to core deposits | 50.1022% | 4,418 |
| Total domestic deposits to total assets | 79.5990% | 4,119 |
| Equity capital to assets | 18.1278% | 264 |
| Core capital (leverage) ratio | 16.7927% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.9743% | 133 |
| Memoranda: | ||
| Average total assets | $130,099,200 | 3,622 |
| Average earning assets | $125,535,400 | 3,564 |
| Average equity | $23,823,400 | 2,884 |
| Average total loans | $49,218,800 | 4,120 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4077% | 4,333 |
| Cost of funding earning assets | 0.5851% | 2,709 |
| Net interest margin | 2.8226% | 4,301 |
| Noninterest income to average assets | 0.2995% | 3,693 |
| Noninterest expense to average assets | 2.4736% | 2,923 |
| Loan and lease loss provision to assets | 0.0217% | 4,063 |
| Net operating income to assets | 0.5247% | 3,971 |
| Return on assets (ROA) | 0.5247% | 4,066 |
| Pretax return on assets | 0.5247% | 4,233 |
| Return on Equity (ROE) | 2.8578% | 4,414 |
| Retained earnings to average equity (ytd only) | 0.2925% | 4,428 |
| Net charge-offs to loans | 0.0301% | 2,230 |
| Credit loss provision to net charge-offs | 190.9091% | 2,145 |
| Earnings coverage of net charge-offs (x) | 48.0909% | 1,221 |
| Efficiency ratio | 81.9083% | 735 |
| Assets per employee ($millions) | 4.2924% | 4,056 |
| Cash dividends to net income (ytd only)* | 89.7638% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5102% | 4,803 |
| Loan loss allowance to noncurrent loans | 70.0549% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 2,758 |
| Noncurrent loans to loans | 0.7283% | 1,981 |
| Net loans and leases to total assets | 37.3667% | 4,630 |
| Net loans and leases to deposits | 47.1665% | 4,572 |
| Net loans and leases to core deposits | 49.9784% | 4,578 |
| Total domestic deposits to total assets | 79.2229% | 4,024 |
| Equity capital to assets | 18.3670% | 280 |
| Core capital (leverage) ratio | 17.0987% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3612% | 129 |
| Memoranda: | ||
| Average total assets | $129,091,250 | 3,622 |
| Average earning assets | $124,421,500 | 3,560 |
| Average equity | $23,700,500 | 2,893 |
| Average total loans | $48,780,750 | 4,157 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 4,413 |
| Cost of funding earning assets | 0.6309% | 2,810 |
| Net interest margin | 2.8672% | 4,358 |
| Noninterest income to average assets | 0.3131% | 3,585 |
| Noninterest expense to average assets | 2.5171% | 2,918 |
| Loan and lease loss provision to assets | 0.0329% | 3,853 |
| Net operating income to assets | 0.5307% | 3,932 |
| Return on assets (ROA) | 0.5307% | 4,011 |
| Pretax return on assets | 0.5307% | 4,199 |
| Return on Equity (ROE) | 2.8908% | 4,374 |
| Retained earnings to average equity (ytd only) | 0.2302% | 4,266 |
| Net charge-offs to loans | 0.0207% | 2,311 |
| Credit loss provision to net charge-offs | 420.0000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 870 |
| Efficiency ratio | 81.7073% | 777 |
| Assets per employee ($millions) | 3.7779% | 4,487 |
| Cash dividends to net income (ytd only)* | 92.0354% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5271% | 4,809 |
| Loan loss allowance to noncurrent loans | 76.9912% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 2,990 |
| Noncurrent loans to loans | 0.6846% | 2,161 |
| Net loans and leases to total assets | 37.2534% | 4,694 |
| Net loans and leases to deposits | 47.0932% | 4,620 |
| Net loans and leases to core deposits | 49.1666% | 4,641 |
| Total domestic deposits to total assets | 79.1056% | 4,022 |
| Equity capital to assets | 18.3805% | 274 |
| Core capital (leverage) ratio | 17.2413% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0227% | 141 |
| Memoranda: | ||
| Average total assets | $127,766,667 | 3,622 |
| Average earning assets | $123,325,667 | 3,563 |
| Average equity | $23,454,000 | 2,897 |
| Average total loans | $48,382,000 | 4,170 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,512 |
| Cost of funding earning assets | 0.6896% | 2,975 |
| Net interest margin | 2.9169% | 4,408 |
| Noninterest income to average assets | 0.2868% | 3,808 |
| Noninterest expense to average assets | 2.6032% | 2,972 |
| Loan and lease loss provision to assets | 0.0637% | 2,966 |
| Net operating income to assets | 0.4365% | 4,057 |
| Return on assets (ROA) | 0.4365% | 4,100 |
| Pretax return on assets | 0.4365% | 4,227 |
| Return on Equity (ROE) | 2.3796% | 4,369 |
| Retained earnings to average equity (ytd only) | 2.3796% | 3,313 |
| Net charge-offs to loans | 0.0418% | 1,617 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 31.4000% | 1,149 |
| Efficiency ratio | 83.8809% | 836 |
| Assets per employee ($millions) | 3.6268% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5409% | 4,838 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 3,873 |
| Noncurrent loans to loans | 0.2081% | 3,734 |
| Net loans and leases to total assets | 37.6598% | 4,736 |
| Net loans and leases to deposits | 47.7759% | 4,664 |
| Net loans and leases to core deposits | 50.1863% | 4,673 |
| Total domestic deposits to total assets | 78.8261% | 4,080 |
| Equity capital to assets | 18.4459% | 322 |
| Core capital (leverage) ratio | 18.0447% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3666% | 118 |
| Memoranda: | ||
| Average total assets | $125,536,500 | 3,632 |
| Average earning assets | $121,226,000 | 3,564 |
| Average equity | $23,029,000 | 2,922 |
| Average total loans | $47,813,000 | 4,194 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,668 |
| Cost of funding earning assets | 0.8069% | 2,650 |
| Net interest margin | 2.9030% | 4,653 |
| Noninterest income to average assets | 0.3186% | 3,785 |
| Noninterest expense to average assets | 2.5847% | 3,221 |
| Loan and lease loss provision to assets | 0.0223% | 3,580 |
| Net operating income to assets | 0.5114% | 4,384 |
| Return on assets (ROA) | 0.5114% | 4,437 |
| Pretax return on assets | 0.5114% | 4,556 |
| Return on Equity (ROE) | 2.9392% | 4,673 |
| Retained earnings to average equity (ytd only) | 0.7417% | 4,477 |
| Net charge-offs to loans | 0.0389% | 2,604 |
| Credit loss provision to net charge-offs | 155.5556% | 1,651 |
| Earnings coverage of net charge-offs (x) | 37.2222% | 1,378 |
| Efficiency ratio | 82.8863% | 737 |
| Assets per employee ($millions) | 3.6510% | 4,321 |
| Cash dividends to net income (ytd only)* | 74.7664% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5151% | 4,873 |
| Loan loss allowance to noncurrent loans | 164.4295% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 3,667 |
| Noncurrent loans to loans | 0.3133% | 3,317 |
| Net loans and leases to total assets | 38.1169% | 4,795 |
| Net loans and leases to deposits | 48.3507% | 4,733 |
| Net loans and leases to core deposits | 50.7339% | 4,738 |
| Total domestic deposits to total assets | 78.8342% | 4,212 |
| Equity capital to assets | 18.2408% | 349 |
| Core capital (leverage) ratio | 17.7547% | 357 |
| Tier 1 risk-based capital ratio | 42.7498% | 202 |
| Total risk-based capital ratio | 43.2171% | 209 |
| Memoranda: | ||
| Average total assets | $125,546,800 | 3,622 |
| Average earning assets | $121,080,200 | 3,548 |
| Average equity | $21,842,800 | 2,974 |
| Average total loans | $46,236,000 | 4,257 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,786 |
| Cost of funding earning assets | 0.8246% | 2,598 |
| Net interest margin | 2.8725% | 4,788 |
| Noninterest income to average assets | 0.3325% | 3,757 |
| Noninterest expense to average assets | 2.5798% | 3,217 |
| Loan and lease loss provision to assets | 0.0297% | 3,308 |
| Net operating income to assets | 0.4935% | 4,530 |
| Return on assets (ROA) | 0.4935% | 4,581 |
| Pretax return on assets | 0.4935% | 4,703 |
| Return on Equity (ROE) | 2.8708% | 4,784 |
| Retained earnings to average equity (ytd only) | 0.6530% | 4,634 |
| Net charge-offs to loans | 0.0523% | 2,084 |
| Credit loss provision to net charge-offs | 155.5556% | 1,589 |
| Earnings coverage of net charge-offs (x) | 27.4438% | 1,714 |
| Efficiency ratio | 83.1399% | 680 |
| Assets per employee ($millions) | 3.4510% | 4,548 |
| Cash dividends to net income (ytd only)* | 77.2533% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5298% | 4,931 |
| Loan loss allowance to noncurrent loans | 154.0881% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 3,762 |
| Noncurrent loans to loans | 0.3439% | 3,303 |
| Net loans and leases to total assets | 36.0214% | 4,940 |
| Net loans and leases to deposits | 45.5117% | 4,883 |
| Net loans and leases to core deposits | 47.2621% | 4,888 |
| Total domestic deposits to total assets | 79.1476% | 4,153 |
| Equity capital to assets | 17.8756% | 402 |
| Core capital (leverage) ratio | 17.6789% | 375 |
| Tier 1 risk-based capital ratio | 44.1341% | 185 |
| Total risk-based capital ratio | 44.6177% | 189 |
| Memoranda: | ||
| Average total assets | $125,900,000 | 3,652 |
| Average earning assets | $121,425,250 | 3,583 |
| Average equity | $21,642,750 | 3,006 |
| Average total loans | $45,904,750 | 4,315 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,836 |
| Cost of funding earning assets | 0.8417% | 2,439 |
| Net interest margin | 2.8493% | 4,872 |
| Noninterest income to average assets | 0.3527% | 3,577 |
| Noninterest expense to average assets | 2.5666% | 3,284 |
| Loan and lease loss provision to assets | 0.0447% | 2,930 |
| Net operating income to assets | 0.4916% | 4,538 |
| Return on assets (ROA) | 0.4916% | 4,572 |
| Pretax return on assets | 0.4916% | 4,710 |
| Return on Equity (ROE) | 2.8990% | 4,806 |
| Retained earnings to average equity (ytd only) | 0.6400% | 4,527 |
| Net charge-offs to loans | 0.0524% | 1,895 |
| Credit loss provision to net charge-offs | 233.3333% | 1,079 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,521 |
| Efficiency ratio | 82.7160% | 751 |
| Assets per employee ($millions) | 3.4378% | 4,571 |
| Cash dividends to net income (ytd only)* | 77.9221% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5387% | 4,966 |
| Loan loss allowance to noncurrent loans | 174.3056% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 3,817 |
| Noncurrent loans to loans | 0.3090% | 3,440 |
| Net loans and leases to total assets | 36.4355% | 4,960 |
| Net loans and leases to deposits | 45.9983% | 4,904 |
| Net loans and leases to core deposits | 47.9286% | 4,912 |
| Total domestic deposits to total assets | 79.2107% | 4,182 |
| Equity capital to assets | 17.6800% | 411 |
| Core capital (leverage) ratio | 17.5761% | 373 |
| Tier 1 risk-based capital ratio | 43.2220% | 191 |
| Total risk-based capital ratio | 43.7080% | 202 |
| Memoranda: | ||
| Average total assets | $125,304,000 | 3,685 |
| Average earning assets | $120,942,000 | 3,609 |
| Average equity | $21,248,670 | 3,040 |
| Average total loans | $45,793,000 | 4,349 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 4,938 |
| Cost of funding earning assets | 0.8365% | 2,343 |
| Net interest margin | 2.7895% | 4,997 |
| Noninterest income to average assets | 0.3570% | 3,464 |
| Noninterest expense to average assets | 2.5636% | 3,321 |
| Loan and lease loss provision to assets | 0.0064% | 3,347 |
| Net operating income to assets | 0.4793% | 4,573 |
| Return on assets (ROA) | 0.4793% | 4,598 |
| Pretax return on assets | 0.4793% | 4,730 |
| Return on Equity (ROE) | 2.8892% | 4,808 |
| Retained earnings to average equity (ytd only) | 2.8892% | 3,780 |
| Net charge-offs to loans | 0.0176% | 2,118 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 75.5000% | 798 |
| Efficiency ratio | 84.0717% | 704 |
| Assets per employee ($millions) | 3.1611% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 5,059 |
| Loan loss allowance to noncurrent loans | 261.1111% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 3,899 |
| Noncurrent loans to loans | 0.1992% | 3,879 |
| Net loans and leases to total assets | 35.5444% | 5,029 |
| Net loans and leases to deposits | 44.4734% | 4,973 |
| Net loans and leases to core deposits | 46.4450% | 4,976 |
| Total domestic deposits to total assets | 79.9228% | 4,188 |
| Equity capital to assets | 16.8931% | 458 |
| Core capital (leverage) ratio | 17.9711% | 340 |
| Tier 1 risk-based capital ratio | 43.5627% | 179 |
| Total risk-based capital ratio | 44.0197% | 185 |
| Memoranda: | ||
| Average total assets | $124,356,000 | 3,730 |
| Average earning assets | $120,023,500 | 3,657 |
| Average equity | $20,628,500 | 3,102 |
| Average total loans | $45,391,000 | 4,401 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 4,574 |
| Cost of funding earning assets | 0.6474% | 2,412 |
| Net interest margin | 3.1125% | 4,631 |
| Noninterest income to average assets | 0.3645% | 3,658 |
| Noninterest expense to average assets | 2.6434% | 3,200 |
| Loan and lease loss provision to assets | -0.0961% | 5,264 |
| Net operating income to assets | 0.8171% | 3,737 |
| Return on assets (ROA) | 0.7209% | 4,082 |
| Pretax return on assets | 0.7209% | 4,360 |
| Return on Equity (ROE) | 4.5444% | 4,579 |
| Retained earnings to average equity (ytd only) | 0.4241% | 4,869 |
| Net charge-offs to loans | -0.0085% | 4,454 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 1,076 |
| Assets per employee ($millions) | 3.3046% | 4,735 |
| Cash dividends to net income (ytd only)* | 90.6667% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5153% | 5,103 |
| Loan loss allowance to noncurrent loans | 200.8547% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 3,744 |
| Noncurrent loans to loans | 0.2566% | 3,662 |
| Net loans and leases to total assets | 37.1056% | 5,043 |
| Net loans and leases to deposits | 46.2081% | 4,976 |
| Net loans and leases to core deposits | 48.3714% | 4,985 |
| Total domestic deposits to total assets | 80.3010% | 4,041 |
| Equity capital to assets | 16.2730% | 494 |
| Core capital (leverage) ratio | 17.5143% | 366 |
| Tier 1 risk-based capital ratio | 43.6421% | 188 |
| Total risk-based capital ratio | 44.1030% | 193 |
| Memoranda: | ||
| Average total assets | $124,839,200 | 3,721 |
| Average earning assets | $120,320,800 | 3,637 |
| Average equity | $19,804,600 | 3,103 |
| Average total loans | $47,181,600 | 4,371 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,558 |
| Cost of funding earning assets | 0.6142% | 2,379 |
| Net interest margin | 3.1294% | 4,656 |
| Noninterest income to average assets | 0.3400% | 3,873 |
| Noninterest expense to average assets | 2.5905% | 3,311 |
| Loan and lease loss provision to assets | -0.1169% | 5,360 |
| Net operating income to assets | 0.8819% | 3,616 |
| Return on assets (ROA) | 0.7544% | 4,072 |
| Pretax return on assets | 0.7544% | 4,418 |
| Return on Equity (ROE) | 4.7855% | 4,628 |
| Retained earnings to average equity (ytd only) | 0.7414% | 4,910 |
| Net charge-offs to loans | -0.0112% | 4,433 |
| Credit loss provision to net charge-offs | 2,750.0000% | 148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2008% | 1,207 |
| Assets per employee ($millions) | 3.2137% | 4,874 |
| Cash dividends to net income (ytd only)* | 84.5073% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5329% | 5,147 |
| Loan loss allowance to noncurrent loans | 151.2346% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 3,696 |
| Noncurrent loans to loans | 0.3523% | 3,394 |
| Net loans and leases to total assets | 37.4504% | 5,097 |
| Net loans and leases to deposits | 46.3796% | 5,045 |
| Net loans and leases to core deposits | 48.5468% | 5,057 |
| Total domestic deposits to total assets | 80.7475% | 3,942 |
| Equity capital to assets | 15.6937% | 584 |
| Core capital (leverage) ratio | 17.7527% | 353 |
| Tier 1 risk-based capital ratio | 43.3384% | 185 |
| Total risk-based capital ratio | 43.8149% | 191 |
| Memoranda: | ||
| Average total assets | $125,481,500 | 3,743 |
| Average earning assets | $120,915,500 | 3,667 |
| Average equity | $19,781,500 | 3,133 |
| Average total loans | $47,576,000 | 4,408 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 4,504 |
| Cost of funding earning assets | 0.5888% | 2,303 |
| Net interest margin | 3.1458% | 4,629 |
| Noninterest income to average assets | 0.3712% | 3,675 |
| Noninterest expense to average assets | 2.5766% | 3,392 |
| Loan and lease loss provision to assets | 0.0316% | 3,280 |
| Net operating income to assets | 0.7930% | 3,877 |
| Return on assets (ROA) | 0.6035% | 4,490 |
| Pretax return on assets | 0.6035% | 4,733 |
| Return on Equity (ROE) | 3.8225% | 4,863 |
| Retained earnings to average equity (ytd only) | 0.2201% | 4,920 |
| Net charge-offs to loans | 0.0083% | 2,829 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 345 |
| Efficiency ratio | 75.7548% | 1,457 |
| Assets per employee ($millions) | 3.2466% | 4,883 |
| Cash dividends to net income (ytd only)* | 94.2408% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 4,736 |
| Loan loss allowance to noncurrent loans | 147.6000% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 3,479 |
| Noncurrent loans to loans | 0.5316% | 2,827 |
| Net loans and leases to total assets | 37.8204% | 5,130 |
| Net loans and leases to deposits | 46.9473% | 5,061 |
| Net loans and leases to core deposits | 49.1101% | 5,063 |
| Total domestic deposits to total assets | 80.5593% | 4,116 |
| Equity capital to assets | 15.7972% | 539 |
| Core capital (leverage) ratio | 17.3309% | 360 |
| Tier 1 risk-based capital ratio | 42.4622% | 200 |
| Total risk-based capital ratio | 43.1682% | 203 |
| Memoranda: | ||
| Average total assets | $126,602,330 | 3,753 |
| Average earning assets | $121,941,330 | 3,669 |
| Average equity | $19,987,000 | 3,133 |
| Average total loans | $48,108,330 | 4,437 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 4,576 |
| Cost of funding earning assets | 0.5585% | 2,330 |
| Net interest margin | 3.0992% | 4,708 |
| Noninterest income to average assets | 0.3556% | 3,767 |
| Noninterest expense to average assets | 2.5363% | 3,540 |
| Loan and lease loss provision to assets | 0.0624% | 2,527 |
| Net operating income to assets | 0.7518% | 3,906 |
| Return on assets (ROA) | 0.3775% | 4,975 |
| Pretax return on assets | 0.3775% | 5,063 |
| Return on Equity (ROE) | 2.3918% | 5,124 |
| Retained earnings to average equity (ytd only) | 2.3918% | 4,210 |
| Net charge-offs to loans | 0.0164% | 2,184 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 498 |
| Efficiency ratio | 75.6983% | 1,636 |
| Assets per employee ($millions) | 3.3906% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 4,921 |
| Loan loss allowance to noncurrent loans | 165.4709% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,677 |
| Noncurrent loans to loans | 0.4528% | 3,180 |
| Net loans and leases to total assets | 38.9641% | 5,108 |
| Net loans and leases to deposits | 48.3588% | 5,028 |
| Net loans and leases to core deposits | 51.1222% | 5,011 |
| Total domestic deposits to total assets | 80.5730% | 4,300 |
| Equity capital to assets | 15.7795% | 524 |
| Core capital (leverage) ratio | 17.1806% | 363 |
| Tier 1 risk-based capital ratio | 40.7551% | 219 |
| Total risk-based capital ratio | 41.4297% | 222 |
| Memoranda: | ||
| Average total assets | $128,218,500 | 3,772 |
| Average earning assets | $123,902,000 | 3,683 |
| Average equity | $20,236,000 | 3,140 |
| Average total loans | $48,648,500 | 4,475 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 4,594 |
| Cost of funding earning assets | 0.4551% | 2,721 |
| Net interest margin | 3.1346% | 4,616 |
| Noninterest income to average assets | 0.2968% | 4,325 |
| Noninterest expense to average assets | 2.4836% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8435% | 2,979 |
| Return on assets (ROA) | 0.8768% | 2,853 |
| Pretax return on assets | 0.8768% | 3,986 |
| Return on Equity (ROE) | 5.4778% | 3,976 |
| Retained earnings to average equity (ytd only) | 1.2772% | 4,512 |
| Net charge-offs to loans | 0.0270% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 92.8333% | 680 |
| Efficiency ratio | 74.6472% | 1,801 |
| Assets per employee ($millions) | 3.5401% | 4,651 |
| Cash dividends to net income (ytd only)* | 76.6839% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 5,003 |
| Loan loss allowance to noncurrent loans | 222.1519% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 3,979 |
| Noncurrent loans to loans | 0.3289% | 3,594 |
| Net loans and leases to total assets | 36.4131% | 5,273 |
| Net loans and leases to deposits | 45.2085% | 5,208 |
| Net loans and leases to core deposits | 47.5116% | 5,206 |
| Total domestic deposits to total assets | 80.5448% | 4,235 |
| Equity capital to assets | 15.7853% | 538 |
| Core capital (leverage) ratio | 16.6158% | 402 |
| Tier 1 risk-based capital ratio | 41.2780% | 195 |
| Total risk-based capital ratio | 41.9315% | 202 |
| Memoranda: | ||
| Average total assets | $132,068,400 | 3,716 |
| Average earning assets | $127,669,800 | 3,617 |
| Average equity | $21,140,000 | 3,026 |
| Average total loans | $44,470,400 | 4,606 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5593% | 4,659 |
| Cost of funding earning assets | 0.4388% | 2,818 |
| Net interest margin | 3.1205% | 4,653 |
| Noninterest income to average assets | 0.3224% | 4,231 |
| Noninterest expense to average assets | 2.4250% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9138% | 2,951 |
| Return on assets (ROA) | 0.9581% | 2,791 |
| Pretax return on assets | 0.9581% | 3,839 |
| Return on Equity (ROE) | 5.9652% | 4,138 |
| Retained earnings to average equity (ytd only) | 1.7500% | 4,724 |
| Net charge-offs to loans | 0.0306% | 2,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 90.7202% | 738 |
| Efficiency ratio | 72.6313% | 2,112 |
| Assets per employee ($millions) | 3.5057% | 4,727 |
| Cash dividends to net income (ytd only)* | 70.6626% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 4,949 |
| Loan loss allowance to noncurrent loans | 92.4084% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 3,574 |
| Noncurrent loans to loans | 0.8446% | 2,253 |
| Net loans and leases to total assets | 34.5977% | 5,398 |
| Net loans and leases to deposits | 44.4006% | 5,305 |
| Net loans and leases to core deposits | 46.9008% | 5,286 |
| Total domestic deposits to total assets | 77.9217% | 4,743 |
| Equity capital to assets | 16.7264% | 453 |
| Core capital (leverage) ratio | 16.7365% | 405 |
| Tier 1 risk-based capital ratio | 43.3141% | 184 |
| Total risk-based capital ratio | 44.0035% | 186 |
| Memoranda: | ||
| Average total assets | $132,339,750 | 3,749 |
| Average earning assets | $127,925,500 | 3,648 |
| Average equity | $21,256,000 | 3,041 |
| Average total loans | $43,576,500 | 4,671 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 4,733 |
| Cost of funding earning assets | 0.4333% | 2,771 |
| Net interest margin | 3.0800% | 4,726 |
| Noninterest income to average assets | 0.3513% | 4,041 |
| Noninterest expense to average assets | 2.3826% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9458% | 2,687 |
| Return on assets (ROA) | 0.9458% | 2,747 |
| Pretax return on assets | 0.9458% | 3,779 |
| Return on Equity (ROE) | 5.9689% | 4,062 |
| Retained earnings to average equity (ytd only) | 1.1938% | 4,764 |
| Net charge-offs to loans | 0.0604% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 48.4615% | 1,098 |
| Efficiency ratio | 71.5832% | 2,419 |
| Assets per employee ($millions) | 3.5932% | 4,587 |
| Cash dividends to net income (ytd only)* | 80.0000% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 4,947 |
| Loan loss allowance to noncurrent loans | 118.6441% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 3,980 |
| Noncurrent loans to loans | 0.6771% | 2,722 |
| Net loans and leases to total assets | 32.5062% | 5,488 |
| Net loans and leases to deposits | 41.2042% | 5,416 |
| Net loans and leases to core deposits | 43.2131% | 5,413 |
| Total domestic deposits to total assets | 78.8906% | 4,640 |
| Equity capital to assets | 16.5122% | 471 |
| Core capital (leverage) ratio | 16.4679% | 422 |
| Tier 1 risk-based capital ratio | 43.2578% | 177 |
| Total risk-based capital ratio | 43.9452% | 182 |
| Memoranda: | ||
| Average total assets | $133,216,000 | 3,766 |
| Average earning assets | $128,765,670 | 3,659 |
| Average equity | $21,109,330 | 3,056 |
| Average total loans | $43,025,330 | 4,718 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 4,659 |
| Cost of funding earning assets | 0.4313% | 2,705 |
| Net interest margin | 3.0810% | 4,707 |
| Noninterest income to average assets | 0.3630% | 3,938 |
| Noninterest expense to average assets | 2.3847% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9569% | 2,495 |
| Return on assets (ROA) | 0.9569% | 2,555 |
| Pretax return on assets | 0.9569% | 3,555 |
| Return on Equity (ROE) | 6.1680% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.1680% | 2,245 |
| Net charge-offs to loans | 0.0468% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 63.8000% | 773 |
| Efficiency ratio | 71.3645% | 2,681 |
| Assets per employee ($millions) | 3.7377% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,976 |
| Loan loss allowance to noncurrent loans | 149.7908% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,246 |
| Noncurrent loans to loans | 0.5561% | 3,138 |
| Net loans and leases to total assets | 31.6765% | 5,549 |
| Net loans and leases to deposits | 39.7569% | 5,475 |
| Net loans and leases to core deposits | 41.3699% | 5,486 |
| Total domestic deposits to total assets | 79.6755% | 4,685 |
| Equity capital to assets | 15.6997% | 543 |
| Core capital (leverage) ratio | 16.3880% | 414 |
| Tier 1 risk-based capital ratio | 43.1725% | 186 |
| Total risk-based capital ratio | 43.8680% | 192 |
| Memoranda: | ||
| Average total assets | $133,349,000 | 3,793 |
| Average earning assets | $128,921,000 | 3,688 |
| Average equity | $20,687,500 | 3,102 |
| Average total loans | $42,754,500 | 4,763 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4951% | 4,794 |
| Cost of funding earning assets | 0.4349% | 2,658 |
| Net interest margin | 3.0602% | 4,821 |
| Noninterest income to average assets | 0.3206% | 4,449 |
| Noninterest expense to average assets | 2.4259% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8555% | 3,047 |
| Return on assets (ROA) | 0.9027% | 2,923 |
| Pretax return on assets | 0.9027% | 3,845 |
| Return on Equity (ROE) | 5.3997% | 4,235 |
| Retained earnings to average equity (ytd only) | 0.1102% | 5,269 |
| Net charge-offs to loans | 0.1625% | 1,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 17.0735% | 2,074 |
| Efficiency ratio | 73.9277% | 2,296 |
| Assets per employee ($millions) | 3.5714% | 4,652 |
| Cash dividends to net income (ytd only)* | 97.9592% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,950 |
| Loan loss allowance to noncurrent loans | 162.0536% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 4,356 |
| Noncurrent loans to loans | 0.5267% | 3,271 |
| Net loans and leases to total assets | 31.9091% | 5,600 |
| Net loans and leases to deposits | 39.6139% | 5,561 |
| Net loans and leases to core deposits | 41.3423% | 5,563 |
| Total domestic deposits to total assets | 80.5503% | 4,438 |
| Equity capital to assets | 15.3245% | 595 |
| Core capital (leverage) ratio | 16.0445% | 456 |
| Tier 1 risk-based capital ratio | 43.3775% | 184 |
| Total risk-based capital ratio | 44.0965% | 187 |
| Memoranda: | ||
| Average total assets | $135,703,800 | 3,737 |
| Average earning assets | $131,298,400 | 3,628 |
| Average equity | $22,686,400 | 2,922 |
| Average total loans | $41,839,600 | 4,819 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 4,909 |
| Cost of funding earning assets | 0.4278% | 2,756 |
| Net interest margin | 3.0318% | 4,951 |
| Noninterest income to average assets | 0.3309% | 4,420 |
| Noninterest expense to average assets | 2.3436% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9205% | 2,808 |
| Return on assets (ROA) | 0.9829% | 2,643 |
| Pretax return on assets | 0.9829% | 3,693 |
| Return on Equity (ROE) | 5.7635% | 4,187 |
| Retained earnings to average equity (ytd only) | 1.6426% | 4,851 |
| Net charge-offs to loans | 0.0480% | 2,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 62.8650% | 922 |
| Efficiency ratio | 71.8002% | 2,605 |
| Assets per employee ($millions) | 3.7006% | 4,472 |
| Cash dividends to net income (ytd only)* | 71.5000% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,509 |
| Loan loss allowance to noncurrent loans | 119.1977% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 4,124 |
| Noncurrent loans to loans | 0.8226% | 2,614 |
| Net loans and leases to total assets | 30.6834% | 5,701 |
| Net loans and leases to deposits | 39.0928% | 5,654 |
| Net loans and leases to core deposits | 40.6728% | 5,664 |
| Total domestic deposits to total assets | 78.4888% | 4,821 |
| Equity capital to assets | 17.3651% | 402 |
| Core capital (leverage) ratio | 16.2732% | 439 |
| Tier 1 risk-based capital ratio | 43.7060% | 188 |
| Total risk-based capital ratio | 44.5264% | 191 |
| Memoranda: | ||
| Average total assets | $136,594,500 | 3,744 |
| Average earning assets | $132,149,750 | 3,634 |
| Average equity | $23,295,500 | 2,885 |
| Average total loans | $41,667,500 | 4,867 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 5,051 |
| Cost of funding earning assets | 0.4269% | 2,761 |
| Net interest margin | 2.9854% | 5,108 |
| Noninterest income to average assets | 0.3121% | 4,543 |
| Noninterest expense to average assets | 2.3226% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8792% | 2,969 |
| Return on assets (ROA) | 0.9701% | 2,664 |
| Pretax return on assets | 0.9701% | 3,705 |
| Return on Equity (ROE) | 5.7229% | 4,182 |
| Retained earnings to average equity (ytd only) | 1.5734% | 4,750 |
| Net charge-offs to loans | 0.0483% | 2,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 880 |
| Efficiency ratio | 72.5400% | 2,579 |
| Assets per employee ($millions) | 3.6949% | 4,453 |
| Cash dividends to net income (ytd only)* | 72.5076% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 4,415 |
| Loan loss allowance to noncurrent loans | 103.6946% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 4,031 |
| Noncurrent loans to loans | 0.9819% | 2,316 |
| Net loans and leases to total assets | 29.9386% | 5,779 |
| Net loans and leases to deposits | 38.0314% | 5,744 |
| Net loans and leases to core deposits | 39.5621% | 5,760 |
| Total domestic deposits to total assets | 78.7206% | 4,845 |
| Equity capital to assets | 17.3082% | 392 |
| Core capital (leverage) ratio | 16.2288% | 436 |
| Tier 1 risk-based capital ratio | 44.3562% | 181 |
| Total risk-based capital ratio | 45.2028% | 185 |
| Memoranda: | ||
| Average total assets | $136,484,670 | 3,778 |
| Average earning assets | $132,109,000 | 3,658 |
| Average equity | $23,135,000 | 2,908 |
| Average total loans | $41,413,670 | 4,917 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4023% | 5,122 |
| Cost of funding earning assets | 0.4272% | 2,794 |
| Net interest margin | 2.9751% | 5,173 |
| Noninterest income to average assets | 0.2904% | 4,648 |
| Noninterest expense to average assets | 2.3143% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8565% | 2,963 |
| Return on assets (ROA) | 1.0031% | 2,380 |
| Pretax return on assets | 1.0031% | 3,472 |
| Return on Equity (ROE) | 5.9812% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.9812% | 2,381 |
| Net charge-offs to loans | 0.0965% | 1,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 29.2000% | 1,196 |
| Efficiency ratio | 72.9880% | 2,642 |
| Assets per employee ($millions) | 3.6571% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 4,513 |
| Loan loss allowance to noncurrent loans | 95.0339% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 4,014 |
| Noncurrent loans to loans | 1.0692% | 2,253 |
| Net loans and leases to total assets | 30.3097% | 5,819 |
| Net loans and leases to deposits | 38.5327% | 5,759 |
| Net loans and leases to core deposits | 39.7864% | 5,775 |
| Total domestic deposits to total assets | 78.6598% | 5,040 |
| Equity capital to assets | 17.3295% | 393 |
| Core capital (leverage) ratio | 16.3702% | 430 |
| Tier 1 risk-based capital ratio | 44.6737% | 184 |
| Total risk-based capital ratio | 45.5202% | 183 |
| Memoranda: | ||
| Average total assets | $136,372,000 | 3,801 |
| Average earning assets | $132,030,000 | 3,686 |
| Average equity | $22,871,500 | 2,940 |
| Average total loans | $41,445,500 | 4,959 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 4,952 |
| Cost of funding earning assets | 0.4609% | 2,530 |
| Net interest margin | 3.0267% | 5,069 |
| Noninterest income to average assets | 0.2760% | 4,910 |
| Noninterest expense to average assets | 2.2999% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9060% | 2,836 |
| Return on assets (ROA) | 0.8750% | 3,082 |
| Pretax return on assets | 0.8750% | 3,936 |
| Return on Equity (ROE) | 5.4591% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.5002% | 4,294 |
| Net charge-offs to loans | 0.0701% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 43.3448% | 1,099 |
| Efficiency ratio | 71.7401% | 2,947 |
| Assets per employee ($millions) | 3.9266% | 4,071 |
| Cash dividends to net income (ytd only)* | 54.2010% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 4,385 |
| Loan loss allowance to noncurrent loans | 222.1649% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 4,735 |
| Noncurrent loans to loans | 0.4680% | 3,789 |
| Net loans and leases to total assets | 29.8521% | 5,892 |
| Net loans and leases to deposits | 37.4137% | 5,850 |
| Net loans and leases to core deposits | 38.6946% | 5,859 |
| Total domestic deposits to total assets | 79.7891% | 4,800 |
| Equity capital to assets | 16.2220% | 496 |
| Core capital (leverage) ratio | 15.9431% | 472 |
| Tier 1 risk-based capital ratio | 34.2235% | 355 |
| Total risk-based capital ratio | 34.8978% | 373 |
| Memoranda: | ||
| Average total assets | $138,745,200 | 3,744 |
| Average earning assets | $134,303,600 | 3,622 |
| Average equity | $22,238,000 | 2,948 |
| Average total loans | $41,373,400 | 4,952 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4878% | 5,006 |
| Cost of funding earning assets | 0.4632% | 2,549 |
| Net interest margin | 3.0246% | 5,139 |
| Noninterest income to average assets | 0.2704% | 5,000 |
| Noninterest expense to average assets | 2.2779% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9223% | 2,846 |
| Return on assets (ROA) | 0.8810% | 3,118 |
| Pretax return on assets | 0.8810% | 4,048 |
| Return on Equity (ROE) | 5.5134% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.0657% | 4,264 |
| Net charge-offs to loans | 0.0935% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 33.1686% | 1,401 |
| Efficiency ratio | 71.1803% | 3,016 |
| Assets per employee ($millions) | 3.8207% | 4,224 |
| Cash dividends to net income (ytd only)* | 44.3965% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 4,506 |
| Loan loss allowance to noncurrent loans | 371.5517% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 5,125 |
| Noncurrent loans to loans | 0.2808% | 4,575 |
| Net loans and leases to total assets | 29.7219% | 5,982 |
| Net loans and leases to deposits | 37.3561% | 5,942 |
| Net loans and leases to core deposits | 38.7384% | 5,952 |
| Total domestic deposits to total assets | 79.5638% | 4,845 |
| Equity capital to assets | 16.4935% | 492 |
| Core capital (leverage) ratio | 15.7797% | 519 |
| Tier 1 risk-based capital ratio | 33.5960% | 392 |
| Total risk-based capital ratio | 34.2593% | 406 |
| Memoranda: | ||
| Average total assets | $139,073,750 | 3,771 |
| Average earning assets | $134,713,000 | 3,654 |
| Average equity | $22,224,000 | 2,964 |
| Average total loans | $41,352,500 | 5,010 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4573% | 5,090 |
| Cost of funding earning assets | 0.4647% | 2,565 |
| Net interest margin | 2.9926% | 5,242 |
| Noninterest income to average assets | 0.3210% | 4,657 |
| Noninterest expense to average assets | 2.2481% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9700% | 2,537 |
| Return on assets (ROA) | 0.9084% | 2,955 |
| Pretax return on assets | 0.9084% | 3,927 |
| Return on Equity (ROE) | 5.7454% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.7005% | 4,341 |
| Net charge-offs to loans | 0.2321% | 1,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.1042% | 2,082 |
| Efficiency ratio | 69.8575% | 3,349 |
| Assets per employee ($millions) | 3.7402% | 4,343 |
| Cash dividends to net income (ytd only)* | 52.9968% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 4,893 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 4,709 |
| Noncurrent loans to loans | 0.2485% | 4,773 |
| Net loans and leases to total assets | 29.6485% | 6,046 |
| Net loans and leases to deposits | 36.8276% | 6,011 |
| Net loans and leases to core deposits | 38.0771% | 6,022 |
| Total domestic deposits to total assets | 80.5063% | 4,746 |
| Equity capital to assets | 15.4537% | 615 |
| Core capital (leverage) ratio | 15.5326% | 539 |
| Tier 1 risk-based capital ratio | 32.8571% | 431 |
| Total risk-based capital ratio | 33.4833% | 445 |
| Memoranda: | ||
| Average total assets | $139,583,330 | 3,788 |
| Average earning assets | $135,133,000 | 3,681 |
| Average equity | $22,070,000 | 2,990 |
| Average total loans | $41,366,000 | 5,056 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 5,060 |
| Cost of funding earning assets | 0.4655% | 2,611 |
| Net interest margin | 2.9961% | 5,226 |
| Noninterest income to average assets | 0.3396% | 4,476 |
| Noninterest expense to average assets | 2.2371% | 5,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0044% | 2,246 |
| Return on assets (ROA) | 0.9331% | 2,722 |
| Pretax return on assets | 0.9331% | 3,769 |
| Return on Equity (ROE) | 5.8362% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.8362% | 2,588 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0141% | 3,655 |
| Assets per employee ($millions) | 3.7827% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 4,463 |
| Loan loss allowance to noncurrent loans | 146.0317% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 4,804 |
| Noncurrent loans to loans | 0.7600% | 3,356 |
| Net loans and leases to total assets | 29.2850% | 6,099 |
| Net loans and leases to deposits | 36.8983% | 6,025 |
| Net loans and leases to core deposits | 38.1551% | 6,034 |
| Total domestic deposits to total assets | 79.3668% | 5,197 |
| Equity capital to assets | 16.5013% | 486 |
| Core capital (leverage) ratio | 15.6804% | 508 |
| Tier 1 risk-based capital ratio | 31.0058% | 494 |
| Total risk-based capital ratio | 31.2459% | 537 |
| Memoranda: | ||
| Average total assets | $140,181,000 | 3,807 |
| Average earning assets | $135,778,500 | 3,690 |
| Average equity | $22,412,000 | 2,981 |
| Average total loans | $41,328,000 | 5,092 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 4,782 |
| Cost of funding earning assets | 0.5054% | 2,616 |
| Net interest margin | 3.1924% | 4,951 |
| Noninterest income to average assets | 0.2977% | 4,994 |
| Noninterest expense to average assets | 2.3864% | 4,881 |
| Loan and lease loss provision to assets | -0.2483% | 6,333 |
| Net operating income to assets | 1.2415% | 1,463 |
| Return on assets (ROA) | 1.3816% | 1,152 |
| Pretax return on assets | 1.3816% | 1,948 |
| Return on Equity (ROE) | 9.6203% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.1919% | 2,473 |
| Net charge-offs to loans | -0.9227% | 6,444 |
| Credit loss provision to net charge-offs | 84.4444% | 2,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6122% | 3,443 |
| Assets per employee ($millions) | 3.9001% | 4,166 |
| Cash dividends to net income (ytd only)* | 46.0326% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 4,464 |
| Loan loss allowance to noncurrent loans | 125.6831% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 4,733 |
| Noncurrent loans to loans | 0.8882% | 3,095 |
| Net loans and leases to total assets | 29.0229% | 6,205 |
| Net loans and leases to deposits | 36.1478% | 6,169 |
| Net loans and leases to core deposits | 37.2719% | 6,174 |
| Total domestic deposits to total assets | 80.2896% | 4,942 |
| Equity capital to assets | 15.4762% | 614 |
| Core capital (leverage) ratio | 15.3598% | 555 |
| Tier 1 risk-based capital ratio | 30.3597% | 494 |
| Total risk-based capital ratio | 31.0148% | 514 |
| Memoranda: | ||
| Average total assets | $137,736,400 | 3,844 |
| Average earning assets | $132,970,800 | 3,706 |
| Average equity | $19,781,000 | 3,184 |
| Average total loans | $43,892,600 | 5,038 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 4,703 |
| Cost of funding earning assets | 0.5083% | 2,678 |
| Net interest margin | 3.2442% | 4,811 |
| Noninterest income to average assets | 0.2918% | 5,106 |
| Noninterest expense to average assets | 2.3520% | 4,960 |
| Loan and lease loss provision to assets | -0.3657% | 6,498 |
| Net operating income to assets | 1.4348% | 1,061 |
| Return on assets (ROA) | 1.6264% | 736 |
| Pretax return on assets | 1.6264% | 1,244 |
| Return on Equity (ROE) | 11.5543% | 1,605 |
| Retained earnings to average equity (ytd only) | 6.4958% | 2,105 |
| Net charge-offs to loans | -1.2177% | 6,528 |
| Credit loss provision to net charge-offs | 92.3833% | 2,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7518% | 3,715 |
| Assets per employee ($millions) | 3.6593% | 4,561 |
| Cash dividends to net income (ytd only)* | 43.7801% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 5,091 |
| Loan loss allowance to noncurrent loans | 74.3056% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 4,636 |
| Noncurrent loans to loans | 1.3833% | 2,336 |
| Net loans and leases to total assets | 30.4378% | 6,235 |
| Net loans and leases to deposits | 37.9238% | 6,187 |
| Net loans and leases to core deposits | 39.2568% | 6,198 |
| Total domestic deposits to total assets | 80.2606% | 5,027 |
| Equity capital to assets | 15.2281% | 688 |
| Core capital (leverage) ratio | 15.3581% | 573 |
| Tier 1 risk-based capital ratio | 30.2519% | 510 |
| Total risk-based capital ratio | 30.8617% | 537 |
| Memoranda: | ||
| Average total assets | $137,069,750 | 3,880 |
| Average earning assets | $132,212,250 | 3,745 |
| Average equity | $19,294,000 | 3,254 |
| Average total loans | $44,563,500 | 5,069 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,625 |
| Cost of funding earning assets | 0.5081% | 2,750 |
| Net interest margin | 3.2613% | 4,731 |
| Noninterest income to average assets | 0.3197% | 4,856 |
| Noninterest expense to average assets | 2.3382% | 5,066 |
| Loan and lease loss provision to assets | -0.5464% | 6,600 |
| Net operating income to assets | 1.6712% | 616 |
| Return on assets (ROA) | 1.9153% | 415 |
| Pretax return on assets | 1.9153% | 663 |
| Return on Equity (ROE) | 13.9821% | 958 |
| Retained earnings to average equity (ytd only) | 9.2719% | 891 |
| Net charge-offs to loans | -1.8314% | 6,601 |
| Credit loss provision to net charge-offs | 90.1679% | 2,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5199% | 4,107 |
| Assets per employee ($millions) | 3.7081% | 4,445 |
| Cash dividends to net income (ytd only)* | 33.6874% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,241 |
| Loan loss allowance to noncurrent loans | 61.7772% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 4,372 |
| Noncurrent loans to loans | 1.6596% | 2,088 |
| Net loans and leases to total assets | 30.8185% | 6,280 |
| Net loans and leases to deposits | 38.5864% | 6,204 |
| Net loans and leases to core deposits | 40.0244% | 6,223 |
| Total domestic deposits to total assets | 79.8688% | 5,273 |
| Equity capital to assets | 14.8710% | 732 |
| Core capital (leverage) ratio | 15.1947% | 573 |
| Tier 1 risk-based capital ratio | 28.7433% | 600 |
| Total risk-based capital ratio | 29.3381% | 628 |
| Memoranda: | ||
| Average total assets | $137,628,330 | 3,892 |
| Average earning assets | $132,646,330 | 3,762 |
| Average equity | $18,852,670 | 3,305 |
| Average total loans | $45,538,330 | 5,051 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 4,464 |
| Cost of funding earning assets | 0.5081% | 2,818 |
| Net interest margin | 3.2984% | 4,541 |
| Noninterest income to average assets | 0.3308% | 4,728 |
| Noninterest expense to average assets | 2.3215% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1927% | 1,500 |
| Return on assets (ROA) | 1.6831% | 608 |
| Pretax return on assets | 1.6831% | 1,011 |
| Return on Equity (ROE) | 12.8336% | 1,199 |
| Retained earnings to average equity (ytd only) | 12.8336% | 504 |
| Net charge-offs to loans | 0.0085% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 112 |
| Efficiency ratio | 66.0611% | 4,518 |
| Assets per employee ($millions) | 3.4699% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 6,012 |
| Loan loss allowance to noncurrent loans | 128.1553% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 5,451 |
| Noncurrent loans to loans | 0.6620% | 4,211 |
| Net loans and leases to total assets | 33.3425% | 6,210 |
| Net loans and leases to deposits | 41.5407% | 6,100 |
| Net loans and leases to core deposits | 43.0573% | 6,119 |
| Total domestic deposits to total assets | 80.2646% | 5,435 |
| Equity capital to assets | 13.6654% | 1,048 |
| Core capital (leverage) ratio | 14.7731% | 632 |
| Tier 1 risk-based capital ratio | 27.0915% | 708 |
| Total risk-based capital ratio | 27.6055% | 744 |
| Memoranda: | ||
| Average total assets | $137,842,500 | 3,923 |
| Average earning assets | $133,032,500 | 3,784 |
| Average equity | $18,077,500 | 3,418 |
| Average total loans | $46,947,000 | 5,047 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 4,559 |
| Cost of funding earning assets | 0.5127% | 3,475 |
| Net interest margin | 3.3613% | 4,429 |
| Noninterest income to average assets | 0.4227% | 4,281 |
| Noninterest expense to average assets | 2.2494% | 5,504 |
| Loan and lease loss provision to assets | 0.4442% | 657 |
| Net operating income to assets | 0.9834% | 2,398 |
| Return on assets (ROA) | 1.5721% | 754 |
| Pretax return on assets | 1.5721% | 1,243 |
| Return on Equity (ROE) | 10.8136% | 1,826 |
| Retained earnings to average equity (ytd only) | 1.9581% | 4,839 |
| Net charge-offs to loans | 2.0574% | 178 |
| Credit loss provision to net charge-offs | 63.1098% | 3,473 |
| Earnings coverage of net charge-offs (x) | 2.0285% | 4,370 |
| Efficiency ratio | 61.1749% | 5,335 |
| Assets per employee ($millions) | 3.2593% | 5,367 |
| Cash dividends to net income (ytd only)* | 81.8926% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 6,085 |
| Loan loss allowance to noncurrent loans | 129.7386% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 5,528 |
| Noncurrent loans to loans | 0.6480% | 4,353 |
| Net loans and leases to total assets | 34.2051% | 6,290 |
| Net loans and leases to deposits | 42.6357% | 6,192 |
| Net loans and leases to core deposits | 44.1057% | 6,216 |
| Total domestic deposits to total assets | 80.2263% | 5,390 |
| Equity capital to assets | 12.5562% | 1,488 |
| Core capital (leverage) ratio | 14.3980% | 716 |
| Tier 1 risk-based capital ratio | 26.3071% | 750 |
| Total risk-based capital ratio | 26.8218% | 795 |
| Memoranda: | ||
| Average total assets | $139,815,000 | 3,875 |
| Average earning assets | $135,363,200 | 3,731 |
| Average equity | $20,326,200 | 3,120 |
| Average total loans | $47,826,200 | 5,031 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 4,569 |
| Cost of funding earning assets | 0.5062% | 3,717 |
| Net interest margin | 3.3761% | 4,379 |
| Noninterest income to average assets | 0.3159% | 5,171 |
| Noninterest expense to average assets | 2.1278% | 5,776 |
| Loan and lease loss provision to assets | 0.5891% | 421 |
| Net operating income to assets | 0.8699% | 2,992 |
| Return on assets (ROA) | 1.6507% | 718 |
| Pretax return on assets | 1.6507% | 1,215 |
| Return on Equity (ROE) | 10.9894% | 1,820 |
| Retained earnings to average equity (ytd only) | 4.1684% | 3,719 |
| Net charge-offs to loans | 2.7401% | 97 |
| Credit loss provision to net charge-offs | 62.9817% | 3,228 |
| Earnings coverage of net charge-offs (x) | 1.5598% | 4,318 |
| Efficiency ratio | 59.3229% | 5,520 |
| Assets per employee ($millions) | 3.3336% | 5,218 |
| Cash dividends to net income (ytd only)* | 62.0688% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,185 |
| Loan loss allowance to noncurrent loans | 142.5993% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 5,826 |
| Noncurrent loans to loans | 0.5967% | 4,709 |
| Net loans and leases to total assets | 33.6777% | 6,375 |
| Net loans and leases to deposits | 41.7528% | 6,321 |
| Net loans and leases to core deposits | 43.2032% | 6,338 |
| Total domestic deposits to total assets | 80.6597% | 5,316 |
| Equity capital to assets | 13.2662% | 1,213 |
| Core capital (leverage) ratio | 14.6253% | 704 |
| Tier 1 risk-based capital ratio | 26.5804% | 734 |
| Total risk-based capital ratio | 27.0912% | 783 |
| Memoranda: | ||
| Average total assets | $140,546,500 | 3,907 |
| Average earning assets | $136,168,500 | 3,758 |
| Average equity | $21,110,750 | 3,064 |
| Average total loans | $47,977,750 | 5,077 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 4,554 |
| Cost of funding earning assets | 0.5132% | 3,777 |
| Net interest margin | 3.3653% | 4,323 |
| Noninterest income to average assets | 0.3314% | 5,042 |
| Noninterest expense to average assets | 2.0644% | 5,934 |
| Loan and lease loss provision to assets | 0.0677% | 3,690 |
| Net operating income to assets | 1.4637% | 958 |
| Return on assets (ROA) | 2.6242% | 160 |
| Pretax return on assets | 2.6242% | 238 |
| Return on Equity (ROE) | 16.8388% | 570 |
| Retained earnings to average equity (ytd only) | 9.5640% | 947 |
| Net charge-offs to loans | 0.2227% | 2,400 |
| Credit loss provision to net charge-offs | 88.8889% | 2,465 |
| Earnings coverage of net charge-offs (x) | 20.1111% | 1,477 |
| Efficiency ratio | 57.4118% | 5,809 |
| Assets per employee ($millions) | 3.4504% | 4,960 |
| Cash dividends to net income (ytd only)* | 43.2026% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 3,338 |
| Loan loss allowance to noncurrent loans | 25.1669% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 2.1707% | 1,990 |
| Noncurrent loans to loans | 6.1783% | 439 |
| Net loans and leases to total assets | 34.5885% | 6,382 |
| Net loans and leases to deposits | 43.0724% | 6,279 |
| Net loans and leases to core deposits | 44.5554% | 6,309 |
| Total domestic deposits to total assets | 80.3032% | 5,537 |
| Equity capital to assets | 14.3461% | 863 |
| Core capital (leverage) ratio | 14.9777% | 615 |
| Tier 1 risk-based capital ratio | 27.0426% | 690 |
| Total risk-based capital ratio | 28.0159% | 703 |
| Memoranda: | ||
| Average total assets | $141,836,000 | 3,912 |
| Average earning assets | $137,579,330 | 3,764 |
| Average equity | $22,103,670 | 2,971 |
| Average total loans | $48,495,330 | 5,086 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 4,389 |
| Cost of funding earning assets | 0.5213% | 3,873 |
| Net interest margin | 3.4031% | 4,102 |
| Noninterest income to average assets | 0.3451% | 4,929 |
| Noninterest expense to average assets | 2.0675% | 5,972 |
| Loan and lease loss provision to assets | 0.1336% | 2,567 |
| Net operating income to assets | 1.4498% | 957 |
| Return on assets (ROA) | 1.4665% | 1,001 |
| Pretax return on assets | 1.4665% | 1,664 |
| Return on Equity (ROE) | 9.0645% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.0645% | 1,360 |
| Net charge-offs to loans | -0.0082% | 5,380 |
| Credit loss provision to net charge-offs | -4,800.0000% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6311% | 6,005 |
| Assets per employee ($millions) | 3.4994% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 3,099 |
| Loan loss allowance to noncurrent loans | 309.9617% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 5,930 |
| Noncurrent loans to loans | 0.5415% | 5,095 |
| Net loans and leases to total assets | 33.0304% | 6,462 |
| Net loans and leases to deposits | 41.8122% | 6,327 |
| Net loans and leases to core deposits | 43.1151% | 6,359 |
| Total domestic deposits to total assets | 78.9969% | 5,961 |
| Equity capital to assets | 16.3702% | 506 |
| Core capital (leverage) ratio | 14.5242% | 665 |
| Tier 1 risk-based capital ratio | 24.8706% | 904 |
| Total risk-based capital ratio | 25.8559% | 928 |
| Memoranda: | ||
| Average total assets | $143,745,500 | 3,917 |
| Average earning assets | $139,637,500 | 3,771 |
| Average equity | $23,255,500 | 2,890 |
| Average total loans | $48,497,000 | 5,112 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 4,494 |
| Cost of funding earning assets | 0.6817% | 3,640 |
| Net interest margin | 3.5430% | 4,329 |
| Noninterest income to average assets | 0.3962% | 4,642 |
| Noninterest expense to average assets | 2.2000% | 5,923 |
| Loan and lease loss provision to assets | 0.1295% | 3,997 |
| Net operating income to assets | 1.4787% | 960 |
| Return on assets (ROA) | 1.8223% | 558 |
| Pretax return on assets | 1.8223% | 881 |
| Return on Equity (ROE) | 11.4195% | 1,676 |
| Retained earnings to average equity (ytd only) | 5.2150% | 2,561 |
| Net charge-offs to loans | 2.5476% | 237 |
| Credit loss provision to net charge-offs | 14.0649% | 5,355 |
| Earnings coverage of net charge-offs (x) | 1.7473% | 4,560 |
| Efficiency ratio | 57.7699% | 5,865 |
| Assets per employee ($millions) | 3.6004% | 4,778 |
| Cash dividends to net income (ytd only)* | 54.3326% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,488 |
| Loan loss allowance to noncurrent loans | 290.0763% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 6,015 |
| Noncurrent loans to loans | 0.5369% | 5,184 |
| Net loans and leases to total assets | 33.3537% | 6,574 |
| Net loans and leases to deposits | 41.8668% | 6,469 |
| Net loans and leases to core deposits | 42.9574% | 6,505 |
| Total domestic deposits to total assets | 79.6663% | 5,749 |
| Equity capital to assets | 15.9870% | 555 |
| Core capital (leverage) ratio | 13.8183% | 850 |
| Tier 1 risk-based capital ratio | 23.6633% | 1,011 |
| Total risk-based capital ratio | 24.5673% | 1,048 |
| Memoranda: | ||
| Average total assets | $140,592,600 | 3,938 |
| Average earning assets | $135,394,600 | 3,804 |
| Average equity | $22,435,400 | 2,924 |
| Average total loans | $50,792,000 | 5,077 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 4,623 |
| Cost of funding earning assets | 0.7110% | 3,673 |
| Net interest margin | 3.5449% | 4,461 |
| Noninterest income to average assets | 0.2996% | 5,383 |
| Noninterest expense to average assets | 2.1383% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5724% | 909 |
| Return on assets (ROA) | 2.0333% | 411 |
| Pretax return on assets | 2.0333% | 660 |
| Return on Equity (ROE) | 12.7478% | 1,397 |
| Retained earnings to average equity (ytd only) | 7.2921% | 1,948 |
| Net charge-offs to loans | 0.0390% | 5,104 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 109.8640% | 391 |
| Efficiency ratio | 57.6241% | 5,841 |
| Assets per employee ($millions) | 3.7041% | 4,531 |
| Cash dividends to net income (ytd only)* | 42.7969% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5805% | 435 |
| Loan loss allowance to noncurrent loans | 69.2652% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.8919% | 2,797 |
| Noncurrent loans to loans | 5.1693% | 860 |
| Net loans and leases to total assets | 34.6163% | 6,627 |
| Net loans and leases to deposits | 42.2032% | 6,586 |
| Net loans and leases to core deposits | 43.1884% | 6,625 |
| Total domestic deposits to total assets | 82.0228% | 5,015 |
| Equity capital to assets | 16.0950% | 591 |
| Core capital (leverage) ratio | 14.4524% | 719 |
| Tier 1 risk-based capital ratio | 23.2918% | 1,131 |
| Total risk-based capital ratio | 24.5532% | 1,105 |
| Memoranda: | ||
| Average total assets | $139,736,500 | 3,995 |
| Average earning assets | $134,463,000 | 3,865 |
| Average equity | $22,288,250 | 2,971 |
| Average total loans | $51,291,250 | 5,114 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 4,449 |
| Cost of funding earning assets | 0.7365% | 3,711 |
| Net interest margin | 3.5948% | 4,282 |
| Noninterest income to average assets | 0.3561% | 4,981 |
| Noninterest expense to average assets | 2.1540% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6502% | 750 |
| Return on assets (ROA) | 1.6676% | 806 |
| Pretax return on assets | 1.6676% | 1,347 |
| Return on Equity (ROE) | 10.4883% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.5552% | 2,356 |
| Net charge-offs to loans | 0.0431% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 103.6364% | 411 |
| Efficiency ratio | 56.6210% | 6,050 |
| Assets per employee ($millions) | 3.3992% | 5,212 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6525% | 443 |
| Loan loss allowance to noncurrent loans | 68.5957% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 2.0449% | 2,731 |
| Noncurrent loans to loans | 5.3246% | 892 |
| Net loans and leases to total assets | 35.2238% | 6,653 |
| Net loans and leases to deposits | 43.9065% | 6,560 |
| Net loans and leases to core deposits | 44.8647% | 6,627 |
| Total domestic deposits to total assets | 80.2244% | 5,681 |
| Equity capital to assets | 16.4226% | 522 |
| Core capital (leverage) ratio | 14.0885% | 779 |
| Tier 1 risk-based capital ratio | 22.2291% | 1,250 |
| Total risk-based capital ratio | 23.4901% | 1,227 |
| Memoranda: | ||
| Average total assets | $138,161,670 | 4,043 |
| Average earning assets | $132,525,000 | 3,913 |
| Average equity | $21,967,330 | 2,987 |
| Average total loans | $51,100,330 | 5,146 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 4,586 |
| Cost of funding earning assets | 0.7498% | 3,863 |
| Net interest margin | 3.5857% | 4,325 |
| Noninterest income to average assets | 0.4013% | 4,662 |
| Noninterest expense to average assets | 2.1809% | 6,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6691% | 765 |
| Return on assets (ROA) | 1.7011% | 800 |
| Pretax return on assets | 1.7011% | 1,296 |
| Return on Equity (ROE) | 10.8802% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.8802% | 1,060 |
| Net charge-offs to loans | -0.0156% | 6,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6465% | 6,059 |
| Assets per employee ($millions) | 3.4724% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7196% | 458 |
| Loan loss allowance to noncurrent loans | 67.7758% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 2.0821% | 2,796 |
| Noncurrent loans to loans | 5.4881% | 970 |
| Net loans and leases to total assets | 34.9237% | 6,696 |
| Net loans and leases to deposits | 42.2573% | 6,646 |
| Net loans and leases to core deposits | 43.1524% | 6,695 |
| Total domestic deposits to total assets | 82.6454% | 5,064 |
| Equity capital to assets | 15.7296% | 616 |
| Core capital (leverage) ratio | 14.2910% | 732 |
| Tier 1 risk-based capital ratio | 22.2705% | 1,244 |
| Total risk-based capital ratio | 23.5323% | 1,216 |
| Memoranda: | ||
| Average total assets | $137,558,000 | 4,081 |
| Average earning assets | $132,304,500 | 3,937 |
| Average equity | $21,507,000 | 3,040 |
| Average total loans | $51,174,500 | 5,176 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 4,302 |
| Cost of funding earning assets | 0.9155% | 4,003 |
| Net interest margin | 3.7711% | 3,973 |
| Noninterest income to average assets | 0.3599% | 4,940 |
| Noninterest expense to average assets | 2.2618% | 6,144 |
| Loan and lease loss provision to assets | 0.2754% | 3,465 |
| Net operating income to assets | 1.4463% | 931 |
| Return on assets (ROA) | 1.5330% | 837 |
| Pretax return on assets | 1.5330% | 1,386 |
| Return on Equity (ROE) | 10.4192% | 1,909 |
| Retained earnings to average equity (ytd only) | 3.5893% | 3,666 |
| Net charge-offs to loans | 0.0579% | 5,725 |
| Credit loss provision to net charge-offs | 1,140.6250% | 188 |
| Earnings coverage of net charge-offs (x) | 71.3125% | 422 |
| Efficiency ratio | 56.7803% | 6,216 |
| Assets per employee ($millions) | 3.2433% | 5,625 |
| Cash dividends to net income (ytd only)* | 65.5512% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6023% | 503 |
| Loan loss allowance to noncurrent loans | 66.2890% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 2.1656% | 2,772 |
| Noncurrent loans to loans | 5.4342% | 980 |
| Net loans and leases to total assets | 36.7753% | 6,719 |
| Net loans and leases to deposits | 44.3268% | 6,707 |
| Net loans and leases to core deposits | 45.2603% | 6,761 |
| Total domestic deposits to total assets | 82.9642% | 4,762 |
| Equity capital to assets | 15.5382% | 668 |
| Core capital (leverage) ratio | 13.9468% | 836 |
| Tier 1 risk-based capital ratio | 21.7140% | 1,281 |
| Total risk-based capital ratio | 22.9758% | 1,243 |
| Memoranda: | ||
| Average total assets | $132,549,400 | 4,115 |
| Average earning assets | $127,361,800 | 3,989 |
| Average equity | $19,502,400 | 3,211 |
| Average total loans | $55,233,200 | 5,063 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 4,692 |
| Cost of funding earning assets | 0.9496% | 4,052 |
| Net interest margin | 3.6939% | 4,362 |
| Noninterest income to average assets | 0.4204% | 4,513 |
| Noninterest expense to average assets | 2.2051% | 6,264 |
| Loan and lease loss provision to assets | 0.3697% | 2,637 |
| Net operating income to assets | 1.3917% | 1,175 |
| Return on assets (ROA) | 1.4657% | 1,094 |
| Pretax return on assets | 1.4657% | 1,748 |
| Return on Equity (ROE) | 10.1081% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.1564% | 3,770 |
| Net charge-offs to loans | 0.0761% | 5,201 |
| Credit loss provision to net charge-offs | 1,140.6250% | 235 |
| Earnings coverage of net charge-offs (x) | 54.3382% | 601 |
| Efficiency ratio | 55.5924% | 6,330 |
| Assets per employee ($millions) | 3.2088% | 5,657 |
| Cash dividends to net income (ytd only)* | 58.8802% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5535% | 541 |
| Loan loss allowance to noncurrent loans | 66.0550% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 2.1659% | 2,946 |
| Noncurrent loans to loans | 5.3795% | 1,113 |
| Net loans and leases to total assets | 37.7002% | 6,788 |
| Net loans and leases to deposits | 45.7047% | 6,747 |
| Net loans and leases to core deposits | 46.4039% | 6,828 |
| Total domestic deposits to total assets | 82.4866% | 4,886 |
| Equity capital to assets | 15.8751% | 653 |
| Core capital (leverage) ratio | 14.0521% | 890 |
| Tier 1 risk-based capital ratio | 21.7111% | 1,336 |
| Total risk-based capital ratio | 22.9728% | 1,303 |
| Memoranda: | ||
| Average total assets | $131,632,000 | 4,163 |
| Average earning assets | $126,368,500 | 4,031 |
| Average equity | $19,086,500 | 3,269 |
| Average total loans | $56,049,750 | 5,078 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 4,592 |
| Cost of funding earning assets | 0.9689% | 4,179 |
| Net interest margin | 3.7177% | 4,184 |
| Noninterest income to average assets | 0.4380% | 4,359 |
| Noninterest expense to average assets | 2.2330% | 6,299 |
| Loan and lease loss provision to assets | 0.5590% | 1,730 |
| Net operating income to assets | 1.2130% | 1,534 |
| Return on assets (ROA) | 1.3248% | 1,336 |
| Pretax return on assets | 1.3248% | 2,061 |
| Return on Equity (ROE) | 9.4448% | 2,326 |
| Retained earnings to average equity (ytd only) | 3.8107% | 3,790 |
| Net charge-offs to loans | 0.0245% | 5,487 |
| Credit loss provision to net charge-offs | 5,214.2857% | 65 |
| Earnings coverage of net charge-offs (x) | 165.2857% | 216 |
| Efficiency ratio | 55.7553% | 6,444 |
| Assets per employee ($millions) | 3.1277% | 5,814 |
| Cash dividends to net income (ytd only)* | 59.6532% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3576% | 665 |
| Loan loss allowance to noncurrent loans | 63.1702% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.2860% | 2,869 |
| Noncurrent loans to loans | 5.3151% | 1,206 |
| Net loans and leases to total assets | 41.5654% | 6,622 |
| Net loans and leases to deposits | 50.3277% | 6,573 |
| Net loans and leases to core deposits | 51.7221% | 6,683 |
| Total domestic deposits to total assets | 82.5896% | 4,952 |
| Equity capital to assets | 15.0909% | 801 |
| Core capital (leverage) ratio | 14.1224% | 844 |
| Tier 1 risk-based capital ratio | 22.0118% | 1,256 |
| Total risk-based capital ratio | 23.2745% | 1,221 |
| Memoranda: | ||
| Average total assets | $130,585,670 | 4,214 |
| Average earning assets | $125,291,670 | 4,086 |
| Average equity | $18,317,000 | 3,366 |
| Average total loans | $57,172,670 | 5,077 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 4,889 |
| Cost of funding earning assets | 0.9822% | 4,334 |
| Net interest margin | 3.6312% | 4,420 |
| Noninterest income to average assets | 0.4608% | 4,179 |
| Noninterest expense to average assets | 2.2213% | 6,375 |
| Loan and lease loss provision to assets | 1.1214% | 645 |
| Net operating income to assets | 0.6052% | 4,007 |
| Return on assets (ROA) | 0.6083% | 4,061 |
| Pretax return on assets | 0.6083% | 4,653 |
| Return on Equity (ROE) | 4.5094% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.5094% | 3,467 |
| Net charge-offs to loans | 0.0487% | 4,452 |
| Credit loss provision to net charge-offs | 5,214.2857% | 72 |
| Earnings coverage of net charge-offs (x) | 80.2857% | 386 |
| Efficiency ratio | 56.2646% | 6,474 |
| Assets per employee ($millions) | 3.0551% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3611% | 680 |
| Loan loss allowance to noncurrent loans | 61.1541% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.3613% | 2,883 |
| Noncurrent loans to loans | 5.4961% | 1,194 |
| Net loans and leases to total assets | 41.5186% | 6,666 |
| Net loans and leases to deposits | 49.4264% | 6,660 |
| Net loans and leases to core deposits | 51.0353% | 6,728 |
| Total domestic deposits to total assets | 84.0009% | 4,486 |
| Equity capital to assets | 13.5480% | 1,167 |
| Core capital (leverage) ratio | 13.9337% | 868 |
| Tier 1 risk-based capital ratio | 21.4687% | 1,315 |
| Total risk-based capital ratio | 22.7305% | 1,291 |
| Memoranda: | ||
| Average total assets | $130,196,500 | 4,255 |
| Average earning assets | $125,027,000 | 4,120 |
| Average equity | $17,563,500 | 3,478 |
| Average total loans | $57,509,500 | 5,109 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 4,488 |
| Cost of funding earning assets | 1.2178% | 4,435 |
| Net interest margin | 3.7966% | 3,963 |
| Noninterest income to average assets | 0.4362% | 4,625 |
| Noninterest expense to average assets | 2.3792% | 6,140 |
| Loan and lease loss provision to assets | 0.0624% | 6,519 |
| Net operating income to assets | 1.6192% | 603 |
| Return on assets (ROA) | 1.6996% | 560 |
| Pretax return on assets | 1.6996% | 938 |
| Return on Equity (ROE) | 12.1552% | 1,287 |
| Retained earnings to average equity (ytd only) | 7.3333% | 1,196 |
| Net charge-offs to loans | 0.0096% | 6,739 |
| Credit loss provision to net charge-offs | 1,333.3333% | 170 |
| Earnings coverage of net charge-offs (x) | 359.1667% | 64 |
| Efficiency ratio | 58.5895% | 6,266 |
| Assets per employee ($millions) | 3.0720% | 5,941 |
| Cash dividends to net income (ytd only)* | 39.6694% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6272% | 1,260 |
| Loan loss allowance to noncurrent loans | 52.5615% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 2.2694% | 3,004 |
| Noncurrent loans to loans | 4.9984% | 1,345 |
| Net loans and leases to total assets | 44.2092% | 6,694 |
| Net loans and leases to deposits | 53.2070% | 6,661 |
| Net loans and leases to core deposits | 54.5211% | 6,781 |
| Total domestic deposits to total assets | 83.0891% | 4,761 |
| Equity capital to assets | 13.4309% | 1,200 |
| Core capital (leverage) ratio | 13.8361% | 878 |
| Tier 1 risk-based capital ratio | 20.9173% | 1,327 |
| Total risk-based capital ratio | 22.1741% | 1,305 |
| Memoranda: | ||
| Average total assets | $128,151,400 | 4,313 |
| Average earning assets | $122,347,200 | 4,179 |
| Average equity | $17,918,200 | 3,439 |
| Average total loans | $62,624,000 | 4,969 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 5,427 |
| Cost of funding earning assets | 1.2670% | 4,453 |
| Net interest margin | 3.5956% | 4,901 |
| Noninterest income to average assets | 0.4429% | 4,618 |
| Noninterest expense to average assets | 2.3366% | 6,215 |
| Loan and lease loss provision to assets | 0.0834% | 6,205 |
| Net operating income to assets | 1.4507% | 1,018 |
| Return on assets (ROA) | 1.4570% | 1,081 |
| Pretax return on assets | 1.4570% | 1,727 |
| Return on Equity (ROE) | 10.3177% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.0666% | 2,316 |
| Net charge-offs to loans | 0.0042% | 6,618 |
| Credit loss provision to net charge-offs | 4,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 735.0637% | 30 |
| Efficiency ratio | 60.3662% | 5,897 |
| Assets per employee ($millions) | 3.0250% | 6,099 |
| Cash dividends to net income (ytd only)* | 41.2017% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4729% | 1,368 |
| Loan loss allowance to noncurrent loans | 27.2615% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 4.3513% | 1,561 |
| Noncurrent loans to loans | 9.0711% | 525 |
| Net loans and leases to total assets | 46.7830% | 6,633 |
| Net loans and leases to deposits | 57.1916% | 6,527 |
| Net loans and leases to core deposits | 58.5390% | 6,701 |
| Total domestic deposits to total assets | 81.8005% | 5,074 |
| Equity capital to assets | 14.7000% | 966 |
| Core capital (leverage) ratio | 13.6179% | 1,021 |
| Tier 1 risk-based capital ratio | 20.8392% | 1,387 |
| Total risk-based capital ratio | 22.0969% | 1,368 |
| Memoranda: | ||
| Average total assets | $127,933,500 | 4,373 |
| Average earning assets | $121,962,000 | 4,241 |
| Average equity | $18,065,500 | 3,461 |
| Average total loans | $63,635,250 | 4,996 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 5,475 |
| Cost of funding earning assets | 1.3247% | 4,382 |
| Net interest margin | 3.5578% | 5,016 |
| Noninterest income to average assets | 0.4669% | 4,382 |
| Noninterest expense to average assets | 2.3408% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5123% | 895 |
| Return on assets (ROA) | 1.5233% | 928 |
| Pretax return on assets | 1.5233% | 1,494 |
| Return on Equity (ROE) | 10.9407% | 1,778 |
| Retained earnings to average equity (ytd only) | 6.6051% | 2,017 |
| Net charge-offs to loans | -0.0219% | 7,296 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7507% | 5,907 |
| Assets per employee ($millions) | 2.9548% | 6,234 |
| Cash dividends to net income (ytd only)* | 39.6285% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3365% | 1,531 |
| Loan loss allowance to noncurrent loans | 26.7929% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 4.2258% | 1,592 |
| Noncurrent loans to loans | 8.7206% | 560 |
| Net loans and leases to total assets | 47.3249% | 6,679 |
| Net loans and leases to deposits | 58.2602% | 6,557 |
| Net loans and leases to core deposits | 59.6381% | 6,735 |
| Total domestic deposits to total assets | 81.2302% | 5,321 |
| Equity capital to assets | 14.5925% | 986 |
| Core capital (leverage) ratio | 13.5866% | 1,031 |
| Tier 1 risk-based capital ratio | 21.0159% | 1,333 |
| Total risk-based capital ratio | 22.2725% | 1,310 |
| Memoranda: | ||
| Average total assets | $127,219,670 | 4,421 |
| Average earning assets | $121,085,330 | 4,288 |
| Average equity | $17,713,670 | 3,510 |
| Average total loans | $64,048,330 | 5,015 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 5,345 |
| Cost of funding earning assets | 1.3995% | 4,173 |
| Net interest margin | 3.5221% | 5,075 |
| Noninterest income to average assets | 0.5659% | 3,517 |
| Noninterest expense to average assets | 2.3366% | 6,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5736% | 787 |
| Return on assets (ROA) | 1.5736% | 842 |
| Pretax return on assets | 1.5736% | 1,330 |
| Return on Equity (ROE) | 11.5895% | 1,615 |
| Retained earnings to average equity (ytd only) | 8.2180% | 1,615 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7561% | 6,219 |
| Assets per employee ($millions) | 2.9450% | 6,345 |
| Cash dividends to net income (ytd only)* | 29.0909% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3184% | 1,547 |
| Loan loss allowance to noncurrent loans | 54.7459% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.1132% | 3,367 |
| Noncurrent loans to loans | 4.2348% | 1,809 |
| Net loans and leases to total assets | 48.7440% | 6,600 |
| Net loans and leases to deposits | 59.3456% | 6,527 |
| Net loans and leases to core deposits | 60.7701% | 6,688 |
| Total domestic deposits to total assets | 82.1358% | 5,017 |
| Equity capital to assets | 13.7784% | 1,214 |
| Core capital (leverage) ratio | 13.4435% | 1,096 |
| Tier 1 risk-based capital ratio | 20.8468% | 1,367 |
| Total risk-based capital ratio | 22.1029% | 1,337 |
| Memoranda: | ||
| Average total assets | $125,823,500 | 4,504 |
| Average earning assets | $119,473,000 | 4,387 |
| Average equity | $17,084,500 | 3,636 |
| Average total loans | $64,572,500 | 5,060 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 5,768 |
| Cost of funding earning assets | 1.7277% | 4,367 |
| Net interest margin | 3.4466% | 5,183 |
| Noninterest income to average assets | 0.4506% | 4,804 |
| Noninterest expense to average assets | 2.2114% | 6,966 |
| Loan and lease loss provision to assets | 0.7640% | 2,822 |
| Net operating income to assets | 0.7425% | 2,761 |
| Return on assets (ROA) | 0.7571% | 2,785 |
| Pretax return on assets | 0.7938% | 3,267 |
| Return on Equity (ROE) | 6.2063% | 3,123 |
| Retained earnings to average equity (ytd only) | 1.3066% | 4,130 |
| Net charge-offs to loans | 0.3305% | 4,577 |
| Credit loss provision to net charge-offs | 443.1111% | 700 |
| Earnings coverage of net charge-offs (x) | 8.9467% | 1,863 |
| Efficiency ratio | 58.9100% | 6,632 |
| Assets per employee ($millions) | 3.0491% | 6,094 |
| Cash dividends to net income (ytd only)* | 78.9474% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,610 |
| Loan loss allowance to noncurrent loans | 26.9301% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 4.3515% | 1,499 |
| Noncurrent loans to loans | 8.2482% | 591 |
| Net loans and leases to total assets | 51.5854% | 6,470 |
| Net loans and leases to deposits | 63.8271% | 6,290 |
| Net loans and leases to core deposits | 81.4739% | 5,958 |
| Total domestic deposits to total assets | 80.8205% | 5,401 |
| Equity capital to assets | 13.3753% | 1,369 |
| Core capital (leverage) ratio | 13.1493% | 1,198 |
| Tier 1 risk-based capital ratio | 20.7240% | 1,341 |
| Total risk-based capital ratio | 21.9816% | 1,306 |
| Memoranda: | ||
| Average total assets | $130,504,600 | 4,325 |
| Average earning assets | $125,078,000 | 4,189 |
| Average equity | $15,919,400 | 3,880 |
| Average total loans | $68,088,600 | 4,934 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 5,587 |
| Cost of funding earning assets | 1.7958% | 4,404 |
| Net interest margin | 3.4705% | 4,988 |
| Noninterest income to average assets | 0.4570% | 4,851 |
| Noninterest expense to average assets | 2.1545% | 7,094 |
| Loan and lease loss provision to assets | 1.0080% | 1,908 |
| Net operating income to assets | 0.5330% | 3,856 |
| Return on assets (ROA) | 0.2244% | 5,158 |
| Pretax return on assets | 0.2629% | 5,158 |
| Return on Equity (ROE) | 1.8830% | 5,210 |
| Retained earnings to average equity (ytd only) | -3.9187% | 6,101 |
| Net charge-offs to loans | 0.4197% | 3,586 |
| Credit loss provision to net charge-offs | 461.5741% | 849 |
| Earnings coverage of net charge-offs (x) | 7.4815% | 2,397 |
| Efficiency ratio | 56.8722% | 6,886 |
| Assets per employee ($millions) | 3.1919% | 5,671 |
| Cash dividends to net income (ytd only)* | 308.1118% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2184% | 1,390 |
| Loan loss allowance to noncurrent loans | 882.6347% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 7,229 |
| Noncurrent loans to loans | 0.2513% | 6,883 |
| Net loans and leases to total assets | 49.6462% | 6,804 |
| Net loans and leases to deposits | 64.3902% | 6,462 |
| Net loans and leases to core deposits | 80.0836% | 6,344 |
| Total domestic deposits to total assets | 77.1021% | 6,313 |
| Equity capital to assets | 12.5768% | 1,899 |
| Core capital (leverage) ratio | 12.2077% | 1,706 |
| Tier 1 risk-based capital ratio | 20.1409% | 1,530 |
| Total risk-based capital ratio | 21.3978% | 1,481 |
| Memoranda: | ||
| Average total assets | $131,877,250 | 4,324 |
| Average earning assets | $126,586,000 | 4,193 |
| Average equity | $15,719,000 | 3,965 |
| Average total loans | $68,622,250 | 4,966 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 5,122 |
| Cost of funding earning assets | 1.8402% | 4,553 |
| Net interest margin | 3.5654% | 4,518 |
| Noninterest income to average assets | 0.4856% | 4,578 |
| Noninterest expense to average assets | 2.0467% | 7,383 |
| Loan and lease loss provision to assets | 1.4325% | 1,215 |
| Net operating income to assets | 0.3948% | 4,534 |
| Return on assets (ROA) | -0.3963% | 6,452 |
| Pretax return on assets | -0.3585% | 6,287 |
| Return on Equity (ROE) | -3.3867% | 6,407 |
| Retained earnings to average equity (ytd only) | -10.6771% | 6,941 |
| Net charge-offs to loans | 0.0433% | 5,859 |
| Credit loss provision to net charge-offs | 6,313.3333% | 73 |
| Earnings coverage of net charge-offs (x) | 82.2000% | 467 |
| Efficiency ratio | 52.3202% | 7,489 |
| Assets per employee ($millions) | 2.9640% | 6,226 |
| Cash dividends to net income (ytd only)* | -215.2672% | 8,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4009% | 988 |
| Loan loss allowance to noncurrent loans | 595.2381% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 6,982 |
| Noncurrent loans to loans | 0.4034% | 6,496 |
| Net loans and leases to total assets | 50.6521% | 6,811 |
| Net loans and leases to deposits | 65.7686% | 6,416 |
| Net loans and leases to core deposits | 82.7722% | 6,177 |
| Total domestic deposits to total assets | 77.0157% | 6,325 |
| Equity capital to assets | 11.7463% | 2,356 |
| Core capital (leverage) ratio | 11.6584% | 1,995 |
| Tier 1 risk-based capital ratio | 18.7194% | 1,834 |
| Total risk-based capital ratio | 19.9780% | 1,783 |
| Memoranda: | ||
| Average total assets | $132,213,670 | 4,345 |
| Average earning assets | $127,053,000 | 4,200 |
| Average equity | $15,472,330 | 4,022 |
| Average total loans | $69,348,000 | 4,985 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6299% | 4,176 |
| Cost of funding earning assets | 1.8912% | 4,673 |
| Net interest margin | 3.7387% | 3,720 |
| Noninterest income to average assets | 0.5709% | 3,751 |
| Noninterest expense to average assets | 2.0374% | 7,262 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0198% | 337 |
| Return on assets (ROA) | 0.6010% | 4,199 |
| Pretax return on assets | 0.6340% | 4,643 |
| Return on Equity (ROE) | 5.1450% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.1450% | 3,044 |
| Net charge-offs to loans | 0.0342% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 367 |
| Efficiency ratio | 48.9177% | 7,673 |
| Assets per employee ($millions) | 2.9700% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 6,233 |
| Loan loss allowance to noncurrent loans | 214.0187% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 6,794 |
| Noncurrent loans to loans | 0.4644% | 6,256 |
| Net loans and leases to total assets | 51.2062% | 6,755 |
| Net loans and leases to deposits | 66.3062% | 6,351 |
| Net loans and leases to core deposits | 84.5087% | 6,024 |
| Total domestic deposits to total assets | 77.2267% | 6,219 |
| Equity capital to assets | 11.7166% | 2,433 |
| Core capital (leverage) ratio | 12.3613% | 1,741 |
| Tier 1 risk-based capital ratio | 19.0680% | 1,799 |
| Total risk-based capital ratio | 19.8523% | 1,859 |
| Memoranda: | ||
| Average total assets | $133,113,000 | 4,353 |
| Average earning assets | $127,959,500 | 4,191 |
| Average equity | $15,549,000 | 4,032 |
| Average total loans | $70,180,500 | 4,978 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1058% | 5,011 |
| Cost of funding earning assets | 2.5729% | 3,832 |
| Net interest margin | 3.5329% | 5,180 |
| Noninterest income to average assets | 0.4878% | 4,715 |
| Noninterest expense to average assets | 2.0773% | 7,285 |
| Loan and lease loss provision to assets | 0.1276% | 5,733 |
| Net operating income to assets | 1.6310% | 790 |
| Return on assets (ROA) | 0.7014% | 3,722 |
| Pretax return on assets | 0.7153% | 4,349 |
| Return on Equity (ROE) | 6.1662% | 3,878 |
| Retained earnings to average equity (ytd only) | 1.7050% | 4,197 |
| Net charge-offs to loans | 0.0443% | 6,152 |
| Credit loss provision to net charge-offs | 583.3333% | 748 |
| Earnings coverage of net charge-offs (x) | 81.9000% | 511 |
| Efficiency ratio | 53.6939% | 7,304 |
| Assets per employee ($millions) | 3.0832% | 5,825 |
| Cash dividends to net income (ytd only)* | 72.3493% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 6,252 |
| Loan loss allowance to noncurrent loans | 265.5172% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 6,782 |
| Noncurrent loans to loans | 0.3664% | 6,269 |
| Net loans and leases to total assets | 53.2102% | 6,728 |
| Net loans and leases to deposits | 69.1563% | 6,355 |
| Net loans and leases to core deposits | 86.7392% | 6,086 |
| Total domestic deposits to total assets | 76.9419% | 6,012 |
| Equity capital to assets | 11.6452% | 2,535 |
| Core capital (leverage) ratio | 12.1790% | 1,889 |
| Tier 1 risk-based capital ratio | 18.5734% | 1,902 |
| Total risk-based capital ratio | 19.3533% | 1,967 |
| Memoranda: | ||
| Average total assets | $137,150,400 | 4,139 |
| Average earning assets | $131,251,200 | 4,024 |
| Average equity | $15,601,200 | 4,004 |
| Average total loans | $67,736,200 | 4,956 |