Home > Washington State Bank > Performance and Condition Ratios
Washington State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 1,173 |
| Cost of funding earning assets | 1.4633% | 2,037 |
| Net interest margin | 4.0275% | 1,166 |
| Noninterest income to average assets | 1.3800% | 430 |
| Noninterest expense to average assets | 2.8786% | 1,315 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.2438% | 321 |
| Return on assets (ROA) | 1.9108% | 503 |
| Pretax return on assets | 1.9108% | 760 |
| Return on Equity (ROE) | 21.8700% | 466 |
| Retained earnings to average equity (ytd only) | 9.7407% | 1,076 |
| Net charge-offs to loans | 0.0860% | 1,003 |
| Credit loss provision to net charge-offs | 61.2245% | 2,141 |
| Earnings coverage of net charge-offs (x) | 34.1582% | 1,550 |
| Efficiency ratio | 55.7502% | 3,524 |
| Assets per employee ($millions) | 4.7541% | 3,800 |
| Cash dividends to net income (ytd only)* | 55.4563% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,100 |
| Loan loss allowance to noncurrent loans | 81.2314% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 376 |
| Noncurrent loans to loans | 1.5173% | 449 |
| Net loans and leases to total assets | 76.7200% | 1,013 |
| Net loans and leases to deposits | 87.8852% | 1,448 |
| Net loans and leases to core deposits | 101.6451% | 1,349 |
| Total domestic deposits to total assets | 87.3000% | 1,588 |
| Equity capital to assets | 9.6755% | 2,219 |
| Core capital (leverage) ratio | 10.1912% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8221% | 1,591 |
| Memoranda: | ||
| Average total assets | $293,023,800 | 2,455 |
| Average earning assets | $275,479,200 | 2,432 |
| Average equity | $25,604,000 | 2,483 |
| Average total loans | $227,867,200 | 2,113 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 1,127 |
| Cost of funding earning assets | 1.2992% | 2,150 |
| Net interest margin | 4.1069% | 1,057 |
| Noninterest income to average assets | 1.5100% | 384 |
| Noninterest expense to average assets | 2.7740% | 1,489 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.5385% | 261 |
| Return on assets (ROA) | 2.5385% | 255 |
| Pretax return on assets | 2.5385% | 368 |
| Return on Equity (ROE) | 29.8300% | 229 |
| Retained earnings to average equity (ytd only) | 22.7410% | 175 |
| Net charge-offs to loans | 0.0488% | 1,192 |
| Credit loss provision to net charge-offs | 142.8571% | 1,351 |
| Earnings coverage of net charge-offs (x) | 68.2857% | 1,128 |
| Efficiency ratio | 51.6887% | 3,780 |
| Assets per employee ($millions) | 5.1489% | 3,478 |
| Cash dividends to net income (ytd only)* | 23.7536% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,058 |
| Loan loss allowance to noncurrent loans | 143.5859% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 848 |
| Noncurrent loans to loans | 0.8768% | 944 |
| Net loans and leases to total assets | 75.9800% | 1,123 |
| Net loans and leases to deposits | 88.2719% | 1,363 |
| Net loans and leases to core deposits | 101.7778% | 1,226 |
| Total domestic deposits to total assets | 86.0700% | 2,168 |
| Equity capital to assets | 9.2993% | 2,224 |
| Core capital (leverage) ratio | 10.6605% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5845% | 1,407 |
| Memoranda: | ||
| Average total assets | $294,968,250 | 2,448 |
| Average earning assets | $277,182,000 | 2,433 |
| Average equity | $25,105,250 | 2,497 |
| Average total loans | $229,440,500 | 2,104 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 1,047 |
| Cost of funding earning assets | 1.1152% | 2,233 |
| Net interest margin | 4.2103% | 916 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.7435% | 1,543 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5474% | 1,023 |
| Return on assets (ROA) | 1.5474% | 1,019 |
| Pretax return on assets | 1.5474% | 1,503 |
| Return on Equity (ROE) | 18.7600% | 863 |
| Retained earnings to average equity (ytd only) | 10.2887% | 1,335 |
| Net charge-offs to loans | 0.0251% | 1,383 |
| Credit loss provision to net charge-offs | 413.7931% | 719 |
| Earnings coverage of net charge-offs (x) | 82.9655% | 1,033 |
| Efficiency ratio | 62.7497% | 2,620 |
| Assets per employee ($millions) | 5.0179% | 3,588 |
| Cash dividends to net income (ytd only)* | 45.1444% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,165 |
| Loan loss allowance to noncurrent loans | 141.3659% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 759 |
| Noncurrent loans to loans | 0.8854% | 864 |
| Net loans and leases to total assets | 77.2300% | 914 |
| Net loans and leases to deposits | 89.2940% | 1,239 |
| Net loans and leases to core deposits | 103.0044% | 1,092 |
| Total domestic deposits to total assets | 86.4900% | 2,091 |
| Equity capital to assets | 8.4083% | 2,938 |
| Core capital (leverage) ratio | 9.5618% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8034% | 1,981 |
| Memoranda: | ||
| Average total assets | $295,462,667 | 2,456 |
| Average earning assets | $277,982,000 | 2,437 |
| Average equity | $24,376,333 | 2,548 |
| Average total loans | $230,645,667 | 2,093 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3163% | 813 |
| Cost of funding earning assets | 0.9290% | 2,278 |
| Net interest margin | 4.3873% | 704 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.6399% | 1,843 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.7062% | 812 |
| Return on assets (ROA) | 1.7062% | 806 |
| Pretax return on assets | 1.7062% | 1,260 |
| Return on Equity (ROE) | 20.8800% | 667 |
| Retained earnings to average equity (ytd only) | 15.0925% | 792 |
| Net charge-offs to loans | 0.0452% | 905 |
| Credit loss provision to net charge-offs | 461.5385% | 577 |
| Earnings coverage of net charge-offs (x) | 53.0385% | 1,084 |
| Efficiency ratio | 58.5512% | 3,125 |
| Assets per employee ($millions) | 5.1440% | 3,533 |
| Cash dividends to net income (ytd only)* | 27.7204% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,242 |
| Loan loss allowance to noncurrent loans | 123.1324% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 583 |
| Noncurrent loans to loans | 1.0234% | 708 |
| Net loans and leases to total assets | 74.8900% | 1,090 |
| Net loans and leases to deposits | 84.4974% | 1,465 |
| Net loans and leases to core deposits | 95.8082% | 1,296 |
| Total domestic deposits to total assets | 88.6400% | 1,687 |
| Equity capital to assets | 8.1546% | 3,134 |
| Core capital (leverage) ratio | 9.4197% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6384% | 2,122 |
| Memoranda: | ||
| Average total assets | $295,167,000 | 2,492 |
| Average earning assets | $277,710,500 | 2,459 |
| Average equity | $24,118,000 | 2,592 |
| Average total loans | $230,199,500 | 2,114 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 820 |
| Cost of funding earning assets | 0.3829% | 2,239 |
| Net interest margin | 4.0549% | 724 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.7061% | 1,540 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.2171% | 1,708 |
| Return on assets (ROA) | 1.2171% | 1,655 |
| Pretax return on assets | 1.2171% | 2,383 |
| Return on Equity (ROE) | 16.0700% | 1,043 |
| Retained earnings to average equity (ytd only) | 10.3259% | 1,062 |
| Net charge-offs to loans | 0.0159% | 1,796 |
| Credit loss provision to net charge-offs | 2,117.6471% | 252 |
| Earnings coverage of net charge-offs (x) | 124.7941% | 872 |
| Efficiency ratio | 64.8642% | 2,380 |
| Assets per employee ($millions) | 4.9454% | 3,716 |
| Cash dividends to net income (ytd only)* | 35.7366% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,302 |
| Loan loss allowance to noncurrent loans | 99.6450% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 405 |
| Noncurrent loans to loans | 1.2238% | 569 |
| Net loans and leases to total assets | 79.2700% | 674 |
| Net loans and leases to deposits | 92.0908% | 909 |
| Net loans and leases to core deposits | 102.6193% | 868 |
| Total domestic deposits to total assets | 86.0800% | 2,700 |
| Equity capital to assets | 8.1883% | 2,941 |
| Core capital (leverage) ratio | 9.2990% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2686% | 2,252 |
| Memoranda: | ||
| Average total assets | $289,461,600 | 2,502 |
| Average earning assets | $273,669,000 | 2,477 |
| Average equity | $21,925,400 | 2,778 |
| Average total loans | $213,851,400 | 2,140 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 843 |
| Cost of funding earning assets | 0.2695% | 2,495 |
| Net interest margin | 3.9586% | 696 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.6159% | 1,678 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.2992% | 1,356 |
| Return on assets (ROA) | 1.2992% | 1,320 |
| Pretax return on assets | 1.2992% | 2,050 |
| Return on Equity (ROE) | 17.5000% | 709 |
| Retained earnings to average equity (ytd only) | 11.0082% | 1,053 |
| Net charge-offs to loans | 0.0159% | 1,544 |
| Credit loss provision to net charge-offs | 1,680.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 129.8800% | 810 |
| Efficiency ratio | 63.6760% | 2,595 |
| Assets per employee ($millions) | 5.2528% | 3,455 |
| Cash dividends to net income (ytd only)* | 37.1065% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,055 |
| Loan loss allowance to noncurrent loans | 87.2097% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 431 |
| Noncurrent loans to loans | 1.2519% | 583 |
| Net loans and leases to total assets | 77.4900% | 750 |
| Net loans and leases to deposits | 90.4044% | 864 |
| Net loans and leases to core deposits | 97.4286% | 926 |
| Total domestic deposits to total assets | 85.7200% | 3,130 |
| Equity capital to assets | 6.9674% | 3,537 |
| Core capital (leverage) ratio | 8.5799% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9233% | 2,839 |
| Memoranda: | ||
| Average total assets | $290,118,000 | 2,516 |
| Average earning assets | $274,571,750 | 2,483 |
| Average equity | $21,535,000 | 2,854 |
| Average total loans | $209,765,750 | 2,169 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 923 |
| Cost of funding earning assets | 0.2764% | 1,942 |
| Net interest margin | 3.7336% | 864 |
| Noninterest income to average assets | 0.3227% | 3,241 |
| Noninterest expense to average assets | 2.6540% | 1,497 |
| Loan and lease loss provision to assets | 0.1662% | 555 |
| Net operating income to assets | 1.0479% | 1,982 |
| Return on assets (ROA) | 1.0479% | 1,952 |
| Pretax return on assets | 1.0479% | 2,575 |
| Return on Equity (ROE) | 13.8289% | 1,156 |
| Retained earnings to average equity (ytd only) | 7.5588% | 1,787 |
| Net charge-offs to loans | 0.0256% | 1,207 |
| Credit loss provision to net charge-offs | 923.0769% | 428 |
| Earnings coverage of net charge-offs (x) | 67.4231% | 1,023 |
| Efficiency ratio | 68.6124% | 2,155 |
| Assets per employee ($millions) | 5.0667% | 3,620 |
| Cash dividends to net income (ytd only)* | 45.3404% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,324 |
| Loan loss allowance to noncurrent loans | 76.7083% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 361 |
| Noncurrent loans to loans | 1.3818% | 551 |
| Net loans and leases to total assets | 74.1681% | 899 |
| Net loans and leases to deposits | 80.3087% | 1,364 |
| Net loans and leases to core deposits | 85.7440% | 1,357 |
| Total domestic deposits to total assets | 92.3537% | 705 |
| Equity capital to assets | 7.1426% | 3,695 |
| Core capital (leverage) ratio | 8.0354% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6473% | 2,898 |
| Memoranda: | ||
| Average total assets | $288,772,667 | 2,542 |
| Average earning assets | $274,212,333 | 2,513 |
| Average equity | $21,881,667 | 2,910 |
| Average total loans | $202,868,333 | 2,215 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7978% | 1,089 |
| Cost of funding earning assets | 0.3020% | 1,640 |
| Net interest margin | 3.4958% | 1,098 |
| Noninterest income to average assets | 0.3326% | 3,106 |
| Noninterest expense to average assets | 2.7098% | 1,336 |
| Loan and lease loss provision to assets | 0.1537% | 510 |
| Net operating income to assets | 0.7854% | 2,711 |
| Return on assets (ROA) | 0.7854% | 2,707 |
| Pretax return on assets | 0.7854% | 3,152 |
| Return on Equity (ROE) | 10.0683% | 1,945 |
| Retained earnings to average equity (ytd only) | 10.0683% | 1,001 |
| Net charge-offs to loans | 0.0021% | 1,749 |
| Credit loss provision to net charge-offs | 11,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 147 |
| Efficiency ratio | 74.2627% | 1,713 |
| Assets per employee ($millions) | 5.1124% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,280 |
| Loan loss allowance to noncurrent loans | 66.5274% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 348 |
| Noncurrent loans to loans | 1.6700% | 470 |
| Net loans and leases to total assets | 68.1148% | 1,204 |
| Net loans and leases to deposits | 73.9863% | 1,613 |
| Net loans and leases to core deposits | 79.6862% | 1,505 |
| Total domestic deposits to total assets | 92.0640% | 552 |
| Equity capital to assets | 7.4644% | 3,956 |
| Core capital (leverage) ratio | 8.0366% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1275% | 2,862 |
| Memoranda: | ||
| Average total assets | $286,224,500 | 2,574 |
| Average earning assets | $271,524,500 | 2,545 |
| Average equity | $22,327,500 | 2,953 |
| Average total loans | $194,156,500 | 2,272 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 1,880 |
| Cost of funding earning assets | 0.4466% | 1,229 |
| Net interest margin | 3.3490% | 2,171 |
| Noninterest income to average assets | 0.3226% | 3,476 |
| Noninterest expense to average assets | 2.7018% | 1,630 |
| Loan and lease loss provision to assets | 0.0511% | 2,040 |
| Net operating income to assets | 0.7437% | 3,505 |
| Return on assets (ROA) | 0.7437% | 3,569 |
| Pretax return on assets | 0.7437% | 3,852 |
| Return on Equity (ROE) | 9.1219% | 2,868 |
| Retained earnings to average equity (ytd only) | 6.9063% | 1,956 |
| Net charge-offs to loans | -0.0220% | 4,018 |
| Credit loss provision to net charge-offs | -368.4211% | 3,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2699% | 1,008 |
| Assets per employee ($millions) | 4.7634% | 3,918 |
| Cash dividends to net income (ytd only)* | 24.2885% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,227 |
| Loan loss allowance to noncurrent loans | 62.9004% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 356 |
| Noncurrent loans to loans | 1.7975% | 470 |
| Net loans and leases to total assets | 65.9939% | 1,469 |
| Net loans and leases to deposits | 72.2232% | 1,889 |
| Net loans and leases to core deposits | 78.7004% | 1,708 |
| Total domestic deposits to total assets | 91.3749% | 357 |
| Equity capital to assets | 8.1493% | 4,274 |
| Core capital (leverage) ratio | 8.2197% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6464% | 2,736 |
| Memoranda: | ||
| Average total assets | $274,039,000 | 2,577 |
| Average earning assets | $259,720,800 | 2,553 |
| Average equity | $22,341,800 | 3,032 |
| Average total loans | $173,013,600 | 2,437 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 2,058 |
| Cost of funding earning assets | 0.4871% | 1,120 |
| Net interest margin | 3.2933% | 2,436 |
| Noninterest income to average assets | 0.3134% | 3,549 |
| Noninterest expense to average assets | 2.6711% | 1,661 |
| Loan and lease loss provision to assets | 0.0488% | 2,021 |
| Net operating income to assets | 0.7149% | 3,732 |
| Return on assets (ROA) | 0.7149% | 3,797 |
| Pretax return on assets | 0.7149% | 4,046 |
| Return on Equity (ROE) | 8.7680% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.7530% | 2,134 |
| Net charge-offs to loans | -0.0063% | 3,506 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7619% | 893 |
| Assets per employee ($millions) | 4.6698% | 3,990 |
| Cash dividends to net income (ytd only)* | 11.5753% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,362 |
| Loan loss allowance to noncurrent loans | 54.7225% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 339 |
| Noncurrent loans to loans | 2.0408% | 425 |
| Net loans and leases to total assets | 65.9108% | 1,563 |
| Net loans and leases to deposits | 72.3178% | 2,021 |
| Net loans and leases to core deposits | 79.5544% | 1,777 |
| Total domestic deposits to total assets | 91.1404% | 323 |
| Equity capital to assets | 8.3101% | 4,336 |
| Core capital (leverage) ratio | 8.1036% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6795% | 2,809 |
| Memoranda: | ||
| Average total assets | $272,288,500 | 2,607 |
| Average earning assets | $258,096,750 | 2,581 |
| Average equity | $22,201,500 | 3,072 |
| Average total loans | $169,369,250 | 2,505 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 2,199 |
| Cost of funding earning assets | 0.5259% | 1,061 |
| Net interest margin | 3.2246% | 2,680 |
| Noninterest income to average assets | 0.3119% | 3,563 |
| Noninterest expense to average assets | 2.6717% | 1,659 |
| Loan and lease loss provision to assets | 0.0590% | 1,849 |
| Net operating income to assets | 0.6423% | 3,891 |
| Return on assets (ROA) | 0.6423% | 3,951 |
| Pretax return on assets | 0.6423% | 4,169 |
| Return on Equity (ROE) | 7.9290% | 3,426 |
| Retained earnings to average equity (ytd only) | 6.3905% | 2,662 |
| Net charge-offs to loans | -0.0097% | 3,658 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2086% | 832 |
| Assets per employee ($millions) | 4.9675% | 3,686 |
| Cash dividends to net income (ytd only)* | 19.4030% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,203 |
| Loan loss allowance to noncurrent loans | 69.7459% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 629 |
| Noncurrent loans to loans | 1.6458% | 653 |
| Net loans and leases to total assets | 61.7730% | 2,203 |
| Net loans and leases to deposits | 67.4486% | 2,678 |
| Net loans and leases to core deposits | 74.5655% | 2,364 |
| Total domestic deposits to total assets | 91.5853% | 218 |
| Equity capital to assets | 7.8609% | 4,595 |
| Core capital (leverage) ratio | 7.7244% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8112% | 2,772 |
| Memoranda: | ||
| Average total assets | $271,211,000 | 2,604 |
| Average earning assets | $257,461,000 | 2,573 |
| Average equity | $21,970,000 | 3,089 |
| Average total loans | $164,609,333 | 2,559 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 2,476 |
| Cost of funding earning assets | 0.5831% | 950 |
| Net interest margin | 3.0746% | 3,070 |
| Noninterest income to average assets | 0.3092% | 3,559 |
| Noninterest expense to average assets | 2.5999% | 1,886 |
| Loan and lease loss provision to assets | 0.0302% | 2,389 |
| Net operating income to assets | 0.5972% | 3,953 |
| Return on assets (ROA) | 0.5972% | 4,014 |
| Pretax return on assets | 0.5972% | 4,195 |
| Return on Equity (ROE) | 7.2574% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.2574% | 2,492 |
| Net charge-offs to loans | -0.0202% | 4,004 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5607% | 791 |
| Assets per employee ($millions) | 5.0259% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,817 |
| Loan loss allowance to noncurrent loans | 63.3558% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.1053% | 715 |
| Noncurrent loans to loans | 1.9256% | 577 |
| Net loans and leases to total assets | 56.7004% | 2,955 |
| Net loans and leases to deposits | 61.8223% | 3,333 |
| Net loans and leases to core deposits | 68.3371% | 3,035 |
| Total domestic deposits to total assets | 91.7151% | 195 |
| Equity capital to assets | 7.7921% | 4,599 |
| Core capital (leverage) ratio | 8.0433% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1986% | 2,206 |
| Memoranda: | ||
| Average total assets | $265,242,500 | 2,628 |
| Average earning assets | $251,739,000 | 2,598 |
| Average equity | $21,826,000 | 3,091 |
| Average total loans | $158,444,000 | 2,615 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 2,490 |
| Cost of funding earning assets | 0.7941% | 1,236 |
| Net interest margin | 3.2817% | 3,117 |
| Noninterest income to average assets | 0.3976% | 3,103 |
| Noninterest expense to average assets | 3.2046% | 1,049 |
| Loan and lease loss provision to assets | 0.0198% | 4,140 |
| Net operating income to assets | 0.2721% | 4,475 |
| Return on assets (ROA) | 0.2721% | 4,539 |
| Pretax return on assets | 0.2721% | 4,581 |
| Return on Equity (ROE) | 2.8706% | 4,412 |
| Retained earnings to average equity (ytd only) | 0.1719% | 4,472 |
| Net charge-offs to loans | 0.0537% | 2,018 |
| Credit loss provision to net charge-offs | 54.8780% | 3,115 |
| Earnings coverage of net charge-offs (x) | 8.0854% | 2,635 |
| Efficiency ratio | 91.6509% | 326 |
| Assets per employee ($millions) | 4.4470% | 3,973 |
| Cash dividends to net income (ytd only)* | 94.0129% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,681 |
| Loan loss allowance to noncurrent loans | 62.9210% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2400% | 683 |
| Noncurrent loans to loans | 1.9880% | 585 |
| Net loans and leases to total assets | 61.5941% | 2,658 |
| Net loans and leases to deposits | 67.8908% | 3,092 |
| Net loans and leases to core deposits | 75.6811% | 2,756 |
| Total domestic deposits to total assets | 90.7253% | 298 |
| Equity capital to assets | 8.7222% | 4,276 |
| Core capital (leverage) ratio | 8.5642% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,109,000 | 2,747 |
| Average earning assets | $214,464,400 | 2,715 |
| Average equity | $21,528,400 | 3,053 |
| Average total loans | $152,786,000 | 2,637 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 2,460 |
| Cost of funding earning assets | 0.8380% | 1,318 |
| Net interest margin | 3.3341% | 3,089 |
| Noninterest income to average assets | 0.3399% | 3,441 |
| Noninterest expense to average assets | 3.2594% | 970 |
| Loan and lease loss provision to assets | 0.0149% | 4,134 |
| Net operating income to assets | 0.2106% | 4,571 |
| Return on assets (ROA) | 0.2106% | 4,616 |
| Pretax return on assets | 0.2106% | 4,647 |
| Return on Equity (ROE) | 2.1725% | 4,529 |
| Retained earnings to average equity (ytd only) | -1.4276% | 4,657 |
| Net charge-offs to loans | 0.0727% | 1,583 |
| Credit loss provision to net charge-offs | 30.1205% | 2,954 |
| Earnings coverage of net charge-offs (x) | 4.5181% | 2,814 |
| Efficiency ratio | 93.5267% | 270 |
| Assets per employee ($millions) | 4.3581% | 3,992 |
| Cash dividends to net income (ytd only)* | 165.7143% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,502 |
| Loan loss allowance to noncurrent loans | 49.3326% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.7614% | 439 |
| Noncurrent loans to loans | 2.4937% | 424 |
| Net loans and leases to total assets | 64.3779% | 2,723 |
| Net loans and leases to deposits | 71.1922% | 3,205 |
| Net loans and leases to core deposits | 79.9967% | 2,844 |
| Total domestic deposits to total assets | 90.4283% | 299 |
| Equity capital to assets | 8.9371% | 4,158 |
| Core capital (leverage) ratio | 9.1173% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,628,250 | 2,769 |
| Average earning assets | $209,067,250 | 2,735 |
| Average equity | $21,480,250 | 3,050 |
| Average total loans | $152,149,500 | 2,649 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 2,236 |
| Cost of funding earning assets | 0.8818% | 1,456 |
| Net interest margin | 3.5095% | 2,754 |
| Noninterest income to average assets | 0.3302% | 3,495 |
| Noninterest expense to average assets | 3.3589% | 909 |
| Loan and lease loss provision to assets | 0.0232% | 3,957 |
| Net operating income to assets | 0.2597% | 4,489 |
| Return on assets (ROA) | 0.2597% | 4,532 |
| Pretax return on assets | 0.2597% | 4,577 |
| Return on Equity (ROE) | 2.6047% | 4,427 |
| Retained earnings to average equity (ytd only) | -1.2093% | 4,504 |
| Net charge-offs to loans | 0.1313% | 1,060 |
| Credit loss provision to net charge-offs | 25.2525% | 2,719 |
| Earnings coverage of net charge-offs (x) | 3.0808% | 2,710 |
| Efficiency ratio | 92.2313% | 338 |
| Assets per employee ($millions) | 4.1481% | 4,156 |
| Cash dividends to net income (ytd only)* | 146.4286% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,137 |
| Loan loss allowance to noncurrent loans | 56.8277% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.6130% | 545 |
| Noncurrent loans to loans | 2.2408% | 559 |
| Net loans and leases to total assets | 64.7694% | 2,782 |
| Net loans and leases to deposits | 72.2850% | 3,229 |
| Net loans and leases to core deposits | 81.1214% | 2,857 |
| Total domestic deposits to total assets | 89.6028% | 530 |
| Equity capital to assets | 9.4474% | 3,705 |
| Core capital (leverage) ratio | 9.4167% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,605,333 | 2,790 |
| Average earning assets | $203,447,000 | 2,754 |
| Average equity | $21,499,667 | 3,029 |
| Average total loans | $150,788,000 | 2,652 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 1,881 |
| Cost of funding earning assets | 0.9370% | 1,707 |
| Net interest margin | 3.7037% | 2,308 |
| Noninterest income to average assets | 0.3459% | 3,449 |
| Noninterest expense to average assets | 3.3860% | 1,090 |
| Loan and lease loss provision to assets | 0.0478% | 3,181 |
| Net operating income to assets | 0.4166% | 4,096 |
| Return on assets (ROA) | 0.4166% | 4,136 |
| Pretax return on assets | 0.4166% | 4,264 |
| Return on Equity (ROE) | 4.0610% | 3,932 |
| Retained earnings to average equity (ytd only) | -0.1677% | 4,021 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9404% | 588 |
| Assets per employee ($millions) | 3.9711% | 3,950 |
| Cash dividends to net income (ytd only)* | 104.1284% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 1,936 |
| Loan loss allowance to noncurrent loans | 55.4327% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.6867% | 581 |
| Noncurrent loans to loans | 2.4255% | 505 |
| Net loans and leases to total assets | 68.6058% | 2,453 |
| Net loans and leases to deposits | 79.5375% | 2,723 |
| Net loans and leases to core deposits | 89.9183% | 2,352 |
| Total domestic deposits to total assets | 86.2559% | 1,887 |
| Equity capital to assets | 10.0153% | 3,770 |
| Core capital (leverage) ratio | 9.8376% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,334,000 | 2,795 |
| Average earning assets | $198,070,500 | 2,759 |
| Average equity | $21,472,500 | 3,028 |
| Average total loans | $151,344,000 | 2,626 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 1,171 |
| Cost of funding earning assets | 0.8431% | 2,467 |
| Net interest margin | 4.2794% | 1,138 |
| Noninterest income to average assets | 0.3649% | 3,516 |
| Noninterest expense to average assets | 3.1815% | 1,564 |
| Loan and lease loss provision to assets | 0.4605% | 290 |
| Net operating income to assets | 0.7742% | 3,633 |
| Return on assets (ROA) | 0.7742% | 3,712 |
| Pretax return on assets | 0.7742% | 4,035 |
| Return on Equity (ROE) | 7.3775% | 3,411 |
| Retained earnings to average equity (ytd only) | 2.4718% | 3,793 |
| Net charge-offs to loans | 0.5520% | 332 |
| Credit loss provision to net charge-offs | 107.0602% | 2,320 |
| Earnings coverage of net charge-offs (x) | 2.8704% | 3,372 |
| Efficiency ratio | 72.0406% | 1,862 |
| Assets per employee ($millions) | 3.8533% | 4,091 |
| Cash dividends to net income (ytd only)* | 66.4952% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 1,974 |
| Loan loss allowance to noncurrent loans | 57.0112% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 545 |
| Noncurrent loans to loans | 2.2616% | 535 |
| Net loans and leases to total assets | 74.2233% | 1,715 |
| Net loans and leases to deposits | 86.7379% | 2,006 |
| Net loans and leases to core deposits | 98.8104% | 1,668 |
| Total domestic deposits to total assets | 85.5719% | 2,255 |
| Equity capital to assets | 10.5118% | 3,433 |
| Core capital (leverage) ratio | 10.2985% | 3,192 |
| Tier 1 risk-based capital ratio | 13.5343% | 3,505 |
| Total risk-based capital ratio | 14.7843% | 3,404 |
| Memoranda: | ||
| Average total assets | $200,850,200 | 2,836 |
| Average earning assets | $190,142,600 | 2,801 |
| Average equity | $21,077,600 | 3,032 |
| Average total loans | $156,514,200 | 2,551 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 986 |
| Cost of funding earning assets | 0.8128% | 2,641 |
| Net interest margin | 4.4139% | 920 |
| Noninterest income to average assets | 0.3600% | 3,571 |
| Noninterest expense to average assets | 3.2018% | 1,467 |
| Loan and lease loss provision to assets | 0.5700% | 205 |
| Net operating income to assets | 0.7660% | 3,790 |
| Return on assets (ROA) | 0.7660% | 3,859 |
| Pretax return on assets | 0.7660% | 4,201 |
| Return on Equity (ROE) | 7.3020% | 3,580 |
| Retained earnings to average equity (ytd only) | 1.4998% | 4,436 |
| Net charge-offs to loans | 0.7080% | 223 |
| Credit loss provision to net charge-offs | 102.3952% | 2,204 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,199 |
| Efficiency ratio | 70.5597% | 2,044 |
| Assets per employee ($millions) | 3.8739% | 4,063 |
| Cash dividends to net income (ytd only)* | 79.4603% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,272 |
| Loan loss allowance to noncurrent loans | 65.2423% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.4475% | 789 |
| Noncurrent loans to loans | 1.9062% | 737 |
| Net loans and leases to total assets | 74.9940% | 1,650 |
| Net loans and leases to deposits | 87.4832% | 1,998 |
| Net loans and leases to core deposits | 98.9035% | 1,753 |
| Total domestic deposits to total assets | 85.7239% | 2,112 |
| Equity capital to assets | 10.3407% | 3,681 |
| Core capital (leverage) ratio | 10.2379% | 3,377 |
| Tier 1 risk-based capital ratio | 13.1295% | 3,778 |
| Total risk-based capital ratio | 14.3435% | 3,705 |
| Memoranda: | ||
| Average total assets | $200,006,000 | 2,862 |
| Average earning assets | $189,304,500 | 2,822 |
| Average equity | $20,980,000 | 3,066 |
| Average total loans | $157,251,750 | 2,570 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2480% | 900 |
| Cost of funding earning assets | 0.7732% | 2,784 |
| Net interest margin | 4.4748% | 813 |
| Noninterest income to average assets | 0.3612% | 3,514 |
| Noninterest expense to average assets | 3.1589% | 1,593 |
| Loan and lease loss provision to assets | 0.1715% | 1,062 |
| Net operating income to assets | 1.2641% | 1,896 |
| Return on assets (ROA) | 1.2641% | 1,966 |
| Pretax return on assets | 1.2641% | 2,695 |
| Return on Equity (ROE) | 11.9925% | 1,580 |
| Retained earnings to average equity (ytd only) | 5.7331% | 2,401 |
| Net charge-offs to loans | 0.0089% | 2,821 |
| Credit loss provision to net charge-offs | 2,428.5714% | 154 |
| Earnings coverage of net charge-offs (x) | 203.2857% | 386 |
| Efficiency ratio | 68.7527% | 2,410 |
| Assets per employee ($millions) | 4.1213% | 3,701 |
| Cash dividends to net income (ytd only)* | 52.1947% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,000 |
| Loan loss allowance to noncurrent loans | 224.3534% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 2,715 |
| Noncurrent loans to loans | 0.5812% | 2,516 |
| Net loans and leases to total assets | 76.4724% | 1,477 |
| Net loans and leases to deposits | 89.2214% | 1,832 |
| Net loans and leases to core deposits | 96.5546% | 2,015 |
| Total domestic deposits to total assets | 85.7108% | 2,177 |
| Equity capital to assets | 10.4356% | 3,579 |
| Core capital (leverage) ratio | 10.7431% | 2,848 |
| Tier 1 risk-based capital ratio | 13.1988% | 3,735 |
| Total risk-based capital ratio | 14.4492% | 3,642 |
| Memoranda: | ||
| Average total assets | $198,236,330 | 2,885 |
| Average earning assets | $187,538,330 | 2,850 |
| Average equity | $20,896,330 | 3,065 |
| Average total loans | $157,698,000 | 2,575 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 672 |
| Cost of funding earning assets | 0.7682% | 2,694 |
| Net interest margin | 4.5964% | 612 |
| Noninterest income to average assets | 0.3561% | 3,473 |
| Noninterest expense to average assets | 3.3264% | 1,236 |
| Loan and lease loss provision to assets | 0.1235% | 1,420 |
| Net operating income to assets | 1.2536% | 1,874 |
| Return on assets (ROA) | 1.2536% | 1,919 |
| Pretax return on assets | 1.2536% | 2,612 |
| Return on Equity (ROE) | 11.8295% | 1,600 |
| Retained earnings to average equity (ytd only) | 5.0892% | 2,870 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7221% | 2,235 |
| Assets per employee ($millions) | 3.9658% | 3,974 |
| Cash dividends to net income (ytd only)* | 56.9787% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,311 |
| Loan loss allowance to noncurrent loans | 414.0167% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 3,659 |
| Noncurrent loans to loans | 0.3024% | 3,477 |
| Net loans and leases to total assets | 78.7100% | 1,035 |
| Net loans and leases to deposits | 92.0242% | 1,397 |
| Net loans and leases to core deposits | 99.9398% | 1,630 |
| Total domestic deposits to total assets | 85.5318% | 2,471 |
| Equity capital to assets | 10.5406% | 3,310 |
| Core capital (leverage) ratio | 10.6346% | 2,910 |
| Tier 1 risk-based capital ratio | 12.8524% | 3,954 |
| Total risk-based capital ratio | 14.0639% | 3,873 |
| Memoranda: | ||
| Average total assets | $194,322,500 | 2,952 |
| Average earning assets | $183,795,500 | 2,913 |
| Average equity | $20,592,500 | 3,106 |
| Average total loans | $156,715,000 | 2,614 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 1,086 |
| Cost of funding earning assets | 0.5663% | 2,949 |
| Net interest margin | 4.4157% | 903 |
| Noninterest income to average assets | 0.4005% | 3,440 |
| Noninterest expense to average assets | 3.2008% | 1,550 |
| Loan and lease loss provision to assets | 0.1328% | 1,644 |
| Net operating income to assets | 1.2461% | 1,989 |
| Return on assets (ROA) | 1.2461% | 1,985 |
| Pretax return on assets | 1.2461% | 2,712 |
| Return on Equity (ROE) | 11.9278% | 1,739 |
| Retained earnings to average equity (ytd only) | 5.7961% | 2,295 |
| Net charge-offs to loans | 0.0007% | 3,760 |
| Credit loss provision to net charge-offs | 25,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 2,596.0000% | 32 |
| Efficiency ratio | 69.8910% | 2,205 |
| Assets per employee ($millions) | 3.8848% | 4,050 |
| Cash dividends to net income (ytd only)* | 51.4066% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,380 |
| Loan loss allowance to noncurrent loans | 426.4444% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 3,652 |
| Noncurrent loans to loans | 0.2896% | 3,529 |
| Net loans and leases to total assets | 80.6167% | 847 |
| Net loans and leases to deposits | 94.5509% | 1,222 |
| Net loans and leases to core deposits | 102.3087% | 1,556 |
| Total domestic deposits to total assets | 85.2628% | 2,526 |
| Equity capital to assets | 10.6559% | 3,022 |
| Core capital (leverage) ratio | 10.7990% | 2,737 |
| Tier 1 risk-based capital ratio | 12.9703% | 3,858 |
| Total risk-based capital ratio | 14.1708% | 3,780 |
| Memoranda: | ||
| Average total assets | $188,263,400 | 2,979 |
| Average earning assets | $178,182,000 | 2,942 |
| Average equity | $19,668,400 | 3,114 |
| Average total loans | $144,878,600 | 2,709 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 1,227 |
| Cost of funding earning assets | 0.5158% | 3,091 |
| Net interest margin | 4.3580% | 993 |
| Noninterest income to average assets | 0.4041% | 3,457 |
| Noninterest expense to average assets | 3.1489% | 1,649 |
| Loan and lease loss provision to assets | 0.0959% | 2,062 |
| Net operating income to assets | 1.2812% | 1,923 |
| Return on assets (ROA) | 1.2812% | 1,923 |
| Pretax return on assets | 1.2812% | 2,693 |
| Return on Equity (ROE) | 12.3256% | 1,671 |
| Retained earnings to average equity (ytd only) | 6.0534% | 2,630 |
| Net charge-offs to loans | 0.0019% | 3,424 |
| Credit loss provision to net charge-offs | 6,750.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 968.2659% | 89 |
| Efficiency ratio | 69.5748% | 2,261 |
| Assets per employee ($millions) | 3.8829% | 4,065 |
| Cash dividends to net income (ytd only)* | 50.8870% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,561 |
| Loan loss allowance to noncurrent loans | 391.1063% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,744 |
| Noncurrent loans to loans | 0.3098% | 3,560 |
| Net loans and leases to total assets | 77.2663% | 1,454 |
| Net loans and leases to deposits | 90.3937% | 1,841 |
| Net loans and leases to core deposits | 97.7623% | 1,955 |
| Total domestic deposits to total assets | 85.4775% | 2,410 |
| Equity capital to assets | 10.3961% | 3,240 |
| Core capital (leverage) ratio | 10.7630% | 2,829 |
| Tier 1 risk-based capital ratio | 13.1123% | 3,841 |
| Total risk-based capital ratio | 14.2667% | 3,806 |
| Memoranda: | ||
| Average total assets | $187,740,500 | 3,006 |
| Average earning assets | $177,567,500 | 2,969 |
| Average equity | $19,514,500 | 3,153 |
| Average total loans | $142,254,000 | 2,757 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 1,219 |
| Cost of funding earning assets | 0.4635% | 3,261 |
| Net interest margin | 4.3468% | 945 |
| Noninterest income to average assets | 0.4045% | 3,451 |
| Noninterest expense to average assets | 3.0958% | 1,797 |
| Loan and lease loss provision to assets | 0.0963% | 2,004 |
| Net operating income to assets | 1.3269% | 1,674 |
| Return on assets (ROA) | 1.3269% | 1,677 |
| Pretax return on assets | 1.3269% | 2,405 |
| Return on Equity (ROE) | 12.7664% | 1,454 |
| Retained earnings to average equity (ytd only) | 5.5081% | 2,820 |
| Net charge-offs to loans | 0.0029% | 3,091 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 665.0000% | 126 |
| Efficiency ratio | 68.5058% | 2,558 |
| Assets per employee ($millions) | 3.9439% | 4,000 |
| Cash dividends to net income (ytd only)* | 56.8548% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,546 |
| Loan loss allowance to noncurrent loans | 166.4773% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 2,558 |
| Noncurrent loans to loans | 0.7400% | 2,260 |
| Net loans and leases to total assets | 74.4519% | 1,873 |
| Net loans and leases to deposits | 87.0243% | 2,219 |
| Net loans and leases to core deposits | 93.6448% | 2,252 |
| Total domestic deposits to total assets | 85.5530% | 2,474 |
| Equity capital to assets | 10.3436% | 3,288 |
| Core capital (leverage) ratio | 10.5204% | 3,012 |
| Tier 1 risk-based capital ratio | 13.5728% | 3,579 |
| Total risk-based capital ratio | 14.7582% | 3,522 |
| Memoranda: | ||
| Average total assets | $186,899,330 | 3,028 |
| Average earning assets | $176,913,000 | 2,995 |
| Average equity | $19,426,000 | 3,177 |
| Average total loans | $140,067,670 | 2,792 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 1,394 |
| Cost of funding earning assets | 0.4070% | 3,533 |
| Net interest margin | 4.2590% | 1,023 |
| Noninterest income to average assets | 0.4373% | 3,195 |
| Noninterest expense to average assets | 3.3237% | 1,307 |
| Loan and lease loss provision to assets | 0.0969% | 1,895 |
| Net operating income to assets | 1.0512% | 2,643 |
| Return on assets (ROA) | 1.0512% | 2,655 |
| Pretax return on assets | 1.0512% | 3,356 |
| Return on Equity (ROE) | 10.0886% | 2,384 |
| Retained earnings to average equity (ytd only) | 1.6539% | 4,447 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3256% | 1,853 |
| Assets per employee ($millions) | 4.0740% | 3,847 |
| Cash dividends to net income (ytd only)* | 83.6066% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,573 |
| Loan loss allowance to noncurrent loans | 395.1613% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,965 |
| Noncurrent loans to loans | 0.3140% | 3,644 |
| Net loans and leases to total assets | 71.2938% | 2,282 |
| Net loans and leases to deposits | 82.9180% | 2,509 |
| Net loans and leases to core deposits | 88.5567% | 2,587 |
| Total domestic deposits to total assets | 85.9812% | 2,548 |
| Equity capital to assets | 10.0403% | 3,556 |
| Core capital (leverage) ratio | 10.3795% | 3,081 |
| Tier 1 risk-based capital ratio | 13.6019% | 3,598 |
| Total risk-based capital ratio | 14.7875% | 3,547 |
| Memoranda: | ||
| Average total assets | $185,696,000 | 3,074 |
| Average earning assets | $175,909,500 | 3,032 |
| Average equity | $19,348,500 | 3,216 |
| Average total loans | $138,751,500 | 2,831 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 1,708 |
| Cost of funding earning assets | 0.3757% | 3,462 |
| Net interest margin | 4.1236% | 1,366 |
| Noninterest income to average assets | 0.4370% | 3,393 |
| Noninterest expense to average assets | 3.2226% | 1,556 |
| Loan and lease loss provision to assets | 0.0868% | 2,454 |
| Net operating income to assets | 1.0198% | 2,157 |
| Return on assets (ROA) | 1.0393% | 2,127 |
| Pretax return on assets | 1.0393% | 3,419 |
| Return on Equity (ROE) | 9.7708% | 1,992 |
| Retained earnings to average equity (ytd only) | 3.5954% | 3,112 |
| Net charge-offs to loans | 0.0482% | 2,823 |
| Credit loss provision to net charge-offs | 247.6190% | 1,115 |
| Earnings coverage of net charge-offs (x) | 31.5556% | 1,499 |
| Efficiency ratio | 74.4374% | 1,838 |
| Assets per employee ($millions) | 3.9112% | 4,106 |
| Cash dividends to net income (ytd only)* | 63.2030% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,787 |
| Loan loss allowance to noncurrent loans | 288.9273% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,591 |
| Noncurrent loans to loans | 0.4150% | 3,286 |
| Net loans and leases to total assets | 76.4843% | 1,511 |
| Net loans and leases to deposits | 90.0522% | 1,768 |
| Net loans and leases to core deposits | 96.9972% | 1,950 |
| Total domestic deposits to total assets | 84.9334% | 2,864 |
| Equity capital to assets | 10.8229% | 2,815 |
| Core capital (leverage) ratio | 10.8280% | 2,499 |
| Tier 1 risk-based capital ratio | 13.8955% | 3,421 |
| Total risk-based capital ratio | 15.0798% | 3,367 |
| Memoranda: | ||
| Average total assets | $179,639,600 | 3,122 |
| Average earning assets | $169,561,600 | 3,083 |
| Average equity | $19,108,000 | 3,232 |
| Average total loans | $130,634,400 | 2,907 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,854 |
| Cost of funding earning assets | 0.3678% | 3,484 |
| Net interest margin | 4.0646% | 1,498 |
| Noninterest income to average assets | 0.4269% | 3,504 |
| Noninterest expense to average assets | 3.2892% | 1,376 |
| Loan and lease loss provision to assets | 0.0676% | 2,719 |
| Net operating income to assets | 0.9103% | 2,974 |
| Return on assets (ROA) | 0.9363% | 2,909 |
| Pretax return on assets | 0.9363% | 3,915 |
| Return on Equity (ROE) | 8.8410% | 2,706 |
| Retained earnings to average equity (ytd only) | 2.4329% | 4,432 |
| Net charge-offs to loans | 0.0353% | 2,726 |
| Credit loss provision to net charge-offs | 267.6471% | 1,078 |
| Earnings coverage of net charge-offs (x) | 38.7373% | 1,335 |
| Efficiency ratio | 77.0837% | 1,449 |
| Assets per employee ($millions) | 3.9065% | 4,148 |
| Cash dividends to net income (ytd only)* | 72.4824% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,888 |
| Loan loss allowance to noncurrent loans | 2,866.6667% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 5,081 |
| Noncurrent loans to loans | 0.0421% | 4,924 |
| Net loans and leases to total assets | 72.7686% | 2,132 |
| Net loans and leases to deposits | 85.3849% | 2,381 |
| Net loans and leases to core deposits | 91.8090% | 2,459 |
| Total domestic deposits to total assets | 85.2242% | 2,630 |
| Equity capital to assets | 10.5689% | 3,293 |
| Core capital (leverage) ratio | 10.4245% | 3,060 |
| Tier 1 risk-based capital ratio | 14.1279% | 3,391 |
| Total risk-based capital ratio | 15.3268% | 3,319 |
| Memoranda: | ||
| Average total assets | $179,571,000 | 3,143 |
| Average earning assets | $169,657,750 | 3,104 |
| Average equity | $19,017,000 | 3,274 |
| Average total loans | $128,474,000 | 2,958 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,064 |
| Cost of funding earning assets | 0.3503% | 3,580 |
| Net interest margin | 3.9698% | 1,712 |
| Noninterest income to average assets | 0.4309% | 3,483 |
| Noninterest expense to average assets | 3.3968% | 1,175 |
| Loan and lease loss provision to assets | 0.0337% | 3,315 |
| Net operating income to assets | 0.7519% | 3,635 |
| Return on assets (ROA) | 0.7519% | 3,687 |
| Pretax return on assets | 0.7519% | 4,426 |
| Return on Equity (ROE) | 7.0946% | 3,500 |
| Retained earnings to average equity (ytd only) | 0.0106% | 5,068 |
| Net charge-offs to loans | 0.0539% | 2,157 |
| Credit loss provision to net charge-offs | 88.2353% | 2,164 |
| Earnings coverage of net charge-offs (x) | 20.5882% | 1,788 |
| Efficiency ratio | 81.2181% | 1,085 |
| Assets per employee ($millions) | 3.8268% | 4,239 |
| Cash dividends to net income (ytd only)* | 99.8507% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,100 |
| Loan loss allowance to noncurrent loans | 2,457.8125% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,125 |
| Noncurrent loans to loans | 0.0483% | 4,952 |
| Net loans and leases to total assets | 71.2206% | 2,329 |
| Net loans and leases to deposits | 83.5631% | 2,539 |
| Net loans and leases to core deposits | 89.8707% | 2,541 |
| Total domestic deposits to total assets | 85.2298% | 2,720 |
| Equity capital to assets | 10.4177% | 3,440 |
| Core capital (leverage) ratio | 10.3256% | 3,111 |
| Tier 1 risk-based capital ratio | 13.9017% | 3,475 |
| Total risk-based capital ratio | 15.0582% | 3,452 |
| Memoranda: | ||
| Average total assets | $178,226,670 | 3,178 |
| Average earning assets | $168,423,670 | 3,130 |
| Average equity | $18,887,670 | 3,288 |
| Average total loans | $126,218,670 | 3,003 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 2,267 |
| Cost of funding earning assets | 0.3258% | 3,795 |
| Net interest margin | 3.8786% | 1,856 |
| Noninterest income to average assets | 0.4513% | 3,306 |
| Noninterest expense to average assets | 3.3664% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7476% | 3,488 |
| Return on assets (ROA) | 0.7476% | 3,539 |
| Pretax return on assets | 0.7476% | 4,293 |
| Return on Equity (ROE) | 6.9923% | 3,400 |
| Retained earnings to average equity (ytd only) | -2.9206% | 5,254 |
| Net charge-offs to loans | 0.1105% | 1,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.6471% | 1,985 |
| Efficiency ratio | 81.8283% | 1,181 |
| Assets per employee ($millions) | 3.9423% | 4,106 |
| Cash dividends to net income (ytd only)* | 141.7683% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,976 |
| Loan loss allowance to noncurrent loans | 4,408.5714% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,266 |
| Noncurrent loans to loans | 0.0278% | 5,107 |
| Net loans and leases to total assets | 68.6487% | 2,578 |
| Net loans and leases to deposits | 80.3953% | 2,700 |
| Net loans and leases to core deposits | 86.0840% | 2,698 |
| Total domestic deposits to total assets | 85.3889% | 2,927 |
| Equity capital to assets | 10.3585% | 3,337 |
| Core capital (leverage) ratio | 10.5071% | 2,896 |
| Tier 1 risk-based capital ratio | 14.7197% | 3,105 |
| Total risk-based capital ratio | 15.9288% | 3,053 |
| Memoranda: | ||
| Average total assets | $175,496,500 | 3,243 |
| Average earning assets | $165,731,500 | 3,194 |
| Average equity | $18,763,500 | 3,313 |
| Average total loans | $123,130,000 | 3,071 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,228 |
| Cost of funding earning assets | 0.3327% | 3,718 |
| Net interest margin | 3.9425% | 1,813 |
| Noninterest income to average assets | 0.7215% | 2,069 |
| Noninterest expense to average assets | 3.2610% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1800% | 1,568 |
| Return on assets (ROA) | 1.2334% | 1,486 |
| Pretax return on assets | 1.2334% | 2,536 |
| Return on Equity (ROE) | 11.0103% | 1,574 |
| Retained earnings to average equity (ytd only) | 5.8078% | 1,819 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4288% | 2,357 |
| Assets per employee ($millions) | 3.6879% | 4,498 |
| Cash dividends to net income (ytd only)* | 47.2506% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,483 |
| Loan loss allowance to noncurrent loans | 2,816.0714% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 5,238 |
| Noncurrent loans to loans | 0.0466% | 5,056 |
| Net loans and leases to total assets | 69.9384% | 2,480 |
| Net loans and leases to deposits | 82.8517% | 2,565 |
| Net loans and leases to core deposits | 88.7399% | 2,605 |
| Total domestic deposits to total assets | 84.4139% | 3,265 |
| Equity capital to assets | 11.0478% | 2,594 |
| Core capital (leverage) ratio | 11.1368% | 2,223 |
| Tier 1 risk-based capital ratio | 15.7259% | 2,663 |
| Total risk-based capital ratio | 16.9771% | 2,584 |
| Memoranda: | ||
| Average total assets | $166,607,000 | 3,323 |
| Average earning assets | $157,184,200 | 3,277 |
| Average equity | $18,664,400 | 3,320 |
| Average total loans | $118,663,200 | 3,086 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 2,367 |
| Cost of funding earning assets | 0.3281% | 3,796 |
| Net interest margin | 3.9150% | 1,923 |
| Noninterest income to average assets | 0.4478% | 3,576 |
| Noninterest expense to average assets | 3.2197% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9213% | 2,804 |
| Return on assets (ROA) | 0.9929% | 2,608 |
| Pretax return on assets | 0.9929% | 3,662 |
| Return on Equity (ROE) | 8.8315% | 2,586 |
| Retained earnings to average equity (ytd only) | 3.9116% | 3,515 |
| Net charge-offs to loans | -0.0011% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7519% | 1,721 |
| Assets per employee ($millions) | 3.6675% | 4,544 |
| Cash dividends to net income (ytd only)* | 55.7083% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 3,028 |
| Loan loss allowance to noncurrent loans | 1,834.8837% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 5,255 |
| Noncurrent loans to loans | 0.0674% | 5,077 |
| Net loans and leases to total assets | 74.6809% | 1,760 |
| Net loans and leases to deposits | 92.0226% | 1,495 |
| Net loans and leases to core deposits | 98.4020% | 1,774 |
| Total domestic deposits to total assets | 81.1550% | 4,208 |
| Equity capital to assets | 11.2535% | 2,743 |
| Core capital (leverage) ratio | 10.9643% | 2,484 |
| Tier 1 risk-based capital ratio | 14.7487% | 3,164 |
| Total risk-based capital ratio | 15.9990% | 3,106 |
| Memoranda: | ||
| Average total assets | $165,847,500 | 3,348 |
| Average earning assets | $156,455,250 | 3,302 |
| Average equity | $18,645,000 | 3,352 |
| Average total loans | $118,273,000 | 3,100 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 2,711 |
| Cost of funding earning assets | 0.3264% | 3,831 |
| Net interest margin | 3.8152% | 2,255 |
| Noninterest income to average assets | 0.4524% | 3,504 |
| Noninterest expense to average assets | 3.1608% | 1,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8927% | 2,895 |
| Return on assets (ROA) | 1.0006% | 2,532 |
| Pretax return on assets | 1.0006% | 3,581 |
| Return on Equity (ROE) | 8.9037% | 2,539 |
| Retained earnings to average equity (ytd only) | 3.3996% | 3,727 |
| Net charge-offs to loans | -0.0017% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9773% | 1,797 |
| Assets per employee ($millions) | 3.7753% | 4,314 |
| Cash dividends to net income (ytd only)* | 61.8182% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,720 |
| Loan loss allowance to noncurrent loans | 5,441.3793% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 5,530 |
| Noncurrent loans to loans | 0.0241% | 5,374 |
| Net loans and leases to total assets | 71.4128% | 2,263 |
| Net loans and leases to deposits | 84.4331% | 2,413 |
| Net loans and leases to core deposits | 89.5534% | 2,581 |
| Total domestic deposits to total assets | 84.5792% | 3,061 |
| Equity capital to assets | 11.3754% | 2,674 |
| Core capital (leverage) ratio | 10.8077% | 2,641 |
| Tier 1 risk-based capital ratio | 15.1601% | 3,000 |
| Total risk-based capital ratio | 16.4107% | 2,936 |
| Memoranda: | ||
| Average total assets | $164,895,670 | 3,379 |
| Average earning assets | $155,642,000 | 3,329 |
| Average equity | $18,531,670 | 3,369 |
| Average total loans | $115,175,000 | 3,155 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 2,826 |
| Cost of funding earning assets | 0.3271% | 3,875 |
| Net interest margin | 3.7781% | 2,377 |
| Noninterest income to average assets | 0.4431% | 3,532 |
| Noninterest expense to average assets | 3.3259% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6890% | 3,766 |
| Return on assets (ROA) | 0.6890% | 3,880 |
| Pretax return on assets | 0.6890% | 4,559 |
| Return on Equity (ROE) | 6.1691% | 3,895 |
| Retained earnings to average equity (ytd only) | -1.1553% | 5,298 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8381% | 1,275 |
| Assets per employee ($millions) | 3.8469% | 4,213 |
| Cash dividends to net income (ytd only)* | 118.7279% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,471 |
| Loan loss allowance to noncurrent loans | 5,437.9310% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,583 |
| Noncurrent loans to loans | 0.0256% | 5,390 |
| Net loans and leases to total assets | 66.1141% | 2,929 |
| Net loans and leases to deposits | 77.6104% | 3,043 |
| Net loans and leases to core deposits | 82.1814% | 3,116 |
| Total domestic deposits to total assets | 85.1871% | 3,046 |
| Equity capital to assets | 10.8877% | 3,056 |
| Core capital (leverage) ratio | 10.5901% | 2,861 |
| Tier 1 risk-based capital ratio | 15.6943% | 2,825 |
| Total risk-based capital ratio | 16.9459% | 2,755 |
| Memoranda: | ||
| Average total assets | $164,287,000 | 3,399 |
| Average earning assets | $155,316,000 | 3,349 |
| Average equity | $18,349,500 | 3,392 |
| Average total loans | $112,660,500 | 3,202 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 2,960 |
| Cost of funding earning assets | 0.3085% | 4,161 |
| Net interest margin | 3.7814% | 2,437 |
| Noninterest income to average assets | 0.7831% | 1,852 |
| Noninterest expense to average assets | 3.1288% | 2,150 |
| Loan and lease loss provision to assets | 0.2508% | 757 |
| Net operating income to assets | 0.9875% | 2,431 |
| Return on assets (ROA) | 1.0013% | 2,452 |
| Pretax return on assets | 1.0013% | 3,472 |
| Return on Equity (ROE) | 9.3510% | 2,290 |
| Retained earnings to average equity (ytd only) | 4.8697% | 2,516 |
| Net charge-offs to loans | 0.2147% | 1,371 |
| Credit loss provision to net charge-offs | 176.2712% | 1,540 |
| Earnings coverage of net charge-offs (x) | 8.7034% | 2,916 |
| Efficiency ratio | 71.6455% | 2,960 |
| Assets per employee ($millions) | 3.6207% | 4,606 |
| Cash dividends to net income (ytd only)* | 47.9229% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 2,375 |
| Loan loss allowance to noncurrent loans | 396.2312% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 4,592 |
| Noncurrent loans to loans | 0.3559% | 4,185 |
| Net loans and leases to total assets | 69.2108% | 2,499 |
| Net loans and leases to deposits | 82.0209% | 2,582 |
| Net loans and leases to core deposits | 87.0436% | 2,693 |
| Total domestic deposits to total assets | 84.3819% | 3,340 |
| Equity capital to assets | 11.4683% | 2,387 |
| Core capital (leverage) ratio | 11.1791% | 2,238 |
| Tier 1 risk-based capital ratio | 15.8692% | 2,746 |
| Total risk-based capital ratio | 17.1213% | 2,685 |
| Memoranda: | ||
| Average total assets | $165,877,400 | 3,365 |
| Average earning assets | $157,217,200 | 3,296 |
| Average equity | $17,762,800 | 3,411 |
| Average total loans | $109,925,800 | 3,201 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 2,957 |
| Cost of funding earning assets | 0.3021% | 4,323 |
| Net interest margin | 3.7946% | 2,408 |
| Noninterest income to average assets | 0.9057% | 1,438 |
| Noninterest expense to average assets | 3.0873% | 2,256 |
| Loan and lease loss provision to assets | 0.5428% | 181 |
| Net operating income to assets | 0.8747% | 3,066 |
| Return on assets (ROA) | 0.8930% | 3,083 |
| Pretax return on assets | 0.8930% | 4,004 |
| Return on Equity (ROE) | 8.4824% | 2,833 |
| Retained earnings to average equity (ytd only) | 3.1450% | 4,220 |
| Net charge-offs to loans | -0.0037% | 4,776 |
| Credit loss provision to net charge-offs | -22,733.3333% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5336% | 3,442 |
| Assets per employee ($millions) | 3.6163% | 4,582 |
| Cash dividends to net income (ytd only)* | 62.9235% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 1,120 |
| Loan loss allowance to noncurrent loans | 72.1164% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 1,174 |
| Noncurrent loans to loans | 2.6044% | 757 |
| Net loans and leases to total assets | 68.3574% | 2,628 |
| Net loans and leases to deposits | 80.8962% | 2,776 |
| Net loans and leases to core deposits | 85.8456% | 2,867 |
| Total domestic deposits to total assets | 84.5002% | 3,221 |
| Equity capital to assets | 11.2878% | 2,711 |
| Core capital (leverage) ratio | 10.8765% | 2,613 |
| Tier 1 risk-based capital ratio | 15.8014% | 2,897 |
| Total risk-based capital ratio | 17.0595% | 2,825 |
| Memoranda: | ||
| Average total assets | $167,519,500 | 3,372 |
| Average earning assets | $158,887,250 | 3,296 |
| Average equity | $17,636,000 | 3,462 |
| Average total loans | $109,448,250 | 3,241 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,316 |
| Cost of funding earning assets | 0.2965% | 4,432 |
| Net interest margin | 3.6984% | 2,717 |
| Noninterest income to average assets | 0.3511% | 4,446 |
| Noninterest expense to average assets | 2.9709% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8960% | 2,897 |
| Return on assets (ROA) | 0.8960% | 3,023 |
| Pretax return on assets | 0.8960% | 3,972 |
| Return on Equity (ROE) | 8.7062% | 2,698 |
| Retained earnings to average equity (ytd only) | 3.7198% | 3,657 |
| Net charge-offs to loans | -0.0018% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8296% | 2,223 |
| Assets per employee ($millions) | 3.5796% | 4,659 |
| Cash dividends to net income (ytd only)* | 57.2739% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.1885% | 1,789 |
| Net loans and leases to deposits | 84.1927% | 2,292 |
| Net loans and leases to core deposits | 89.1193% | 2,436 |
| Total domestic deposits to total assets | 86.9298% | 2,200 |
| Equity capital to assets | 10.9291% | 2,961 |
| Core capital (leverage) ratio | 10.3152% | 3,200 |
| Tier 1 risk-based capital ratio | 13.9882% | 3,934 |
| Total risk-based capital ratio | 15.1198% | 3,932 |
| Memoranda: | ||
| Average total assets | $170,320,000 | 3,341 |
| Average earning assets | $161,906,000 | 3,279 |
| Average equity | $17,527,670 | 3,492 |
| Average total loans | $108,980,670 | 3,269 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 4,378 |
| Cost of funding earning assets | 0.2949% | 4,499 |
| Net interest margin | 3.4001% | 3,843 |
| Noninterest income to average assets | 0.3567% | 4,344 |
| Noninterest expense to average assets | 2.8947% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7042% | 3,777 |
| Return on assets (ROA) | 0.7042% | 3,902 |
| Pretax return on assets | 0.7042% | 4,574 |
| Return on Equity (ROE) | 7.0444% | 3,485 |
| Retained earnings to average equity (ytd only) | 4.3456% | 3,406 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4320% | 1,841 |
| Assets per employee ($millions) | 3.9602% | 4,038 |
| Cash dividends to net income (ytd only)* | 38.3117% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 3,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.8646% | 3,961 |
| Net loans and leases to deposits | 64.8745% | 4,284 |
| Net loans and leases to core deposits | 69.1412% | 4,233 |
| Total domestic deposits to total assets | 89.1947% | 1,146 |
| Equity capital to assets | 9.9406% | 4,211 |
| Core capital (leverage) ratio | 9.3213% | 4,538 |
| Tier 1 risk-based capital ratio | 15.5078% | 3,140 |
| Total risk-based capital ratio | 16.7570% | 3,083 |
| Memoranda: | ||
| Average total assets | $174,938,000 | 3,302 |
| Average earning assets | $166,820,500 | 3,222 |
| Average equity | $17,489,000 | 3,523 |
| Average total loans | $103,824,500 | 3,379 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,929 |
| Cost of funding earning assets | 0.3429% | 4,329 |
| Net interest margin | 3.6059% | 3,392 |
| Noninterest income to average assets | 0.3624% | 4,498 |
| Noninterest expense to average assets | 2.9942% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8127% | 3,310 |
| Return on assets (ROA) | 0.8195% | 3,369 |
| Pretax return on assets | 0.8195% | 4,194 |
| Return on Equity (ROE) | 7.9847% | 3,145 |
| Retained earnings to average equity (ytd only) | 4.7629% | 2,786 |
| Net charge-offs to loans | 0.6894% | 539 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.0487% | 4,264 |
| Efficiency ratio | 78.6521% | 2,110 |
| Assets per employee ($millions) | 3.8148% | 4,317 |
| Cash dividends to net income (ytd only)* | 40.3495% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.2630% | 3,886 |
| Net loans and leases to deposits | 66.5439% | 4,261 |
| Net loans and leases to core deposits | 71.3659% | 4,181 |
| Total domestic deposits to total assets | 89.0585% | 1,209 |
| Equity capital to assets | 10.0561% | 4,038 |
| Core capital (leverage) ratio | 9.8732% | 3,748 |
| Tier 1 risk-based capital ratio | 14.0516% | 4,052 |
| Total risk-based capital ratio | 15.2094% | 4,050 |
| Memoranda: | ||
| Average total assets | $160,576,800 | 3,481 |
| Average earning assets | $153,389,000 | 3,386 |
| Average equity | $16,481,600 | 3,605 |
| Average total loans | $92,393,200 | 3,577 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,878 |
| Cost of funding earning assets | 0.3574% | 4,265 |
| Net interest margin | 3.6129% | 3,376 |
| Noninterest income to average assets | 0.3616% | 4,540 |
| Noninterest expense to average assets | 2.9665% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8458% | 3,201 |
| Return on assets (ROA) | 0.8458% | 3,294 |
| Pretax return on assets | 0.8458% | 4,201 |
| Return on Equity (ROE) | 8.1948% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.5027% | 3,449 |
| Net charge-offs to loans | 0.9482% | 330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.5690% | 4,123 |
| Efficiency ratio | 77.8147% | 2,211 |
| Assets per employee ($millions) | 3.8177% | 4,254 |
| Cash dividends to net income (ytd only)* | 45.0552% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 2,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 55.5376% | 4,389 |
| Net loans and leases to deposits | 62.3699% | 4,703 |
| Net loans and leases to core deposits | 66.9924% | 4,607 |
| Total domestic deposits to total assets | 89.0456% | 1,212 |
| Equity capital to assets | 10.0799% | 4,068 |
| Core capital (leverage) ratio | 10.1269% | 3,499 |
| Tier 1 risk-based capital ratio | 14.3254% | 4,010 |
| Total risk-based capital ratio | 15.5214% | 3,967 |
| Memoranda: | ||
| Average total assets | $157,804,250 | 3,546 |
| Average earning assets | $150,715,500 | 3,451 |
| Average equity | $16,286,250 | 3,653 |
| Average total loans | $89,708,500 | 3,664 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,513 |
| Cost of funding earning assets | 0.3697% | 4,211 |
| Net interest margin | 3.6889% | 3,005 |
| Noninterest income to average assets | 0.3536% | 4,596 |
| Noninterest expense to average assets | 2.9415% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9403% | 2,593 |
| Return on assets (ROA) | 0.9403% | 2,700 |
| Pretax return on assets | 0.9403% | 3,723 |
| Return on Equity (ROE) | 9.0349% | 2,576 |
| Retained earnings to average equity (ytd only) | 4.6419% | 3,197 |
| Net charge-offs to loans | 1.4583% | 195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.1308% | 3,883 |
| Efficiency ratio | 75.7758% | 2,674 |
| Assets per employee ($millions) | 3.7259% | 4,401 |
| Cash dividends to net income (ytd only)* | 48.6226% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 2,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.5460% | 4,791 |
| Net loans and leases to deposits | 57.9528% | 5,046 |
| Net loans and leases to core deposits | 66.1529% | 4,621 |
| Total domestic deposits to total assets | 88.9448% | 1,386 |
| Equity capital to assets | 10.1585% | 3,892 |
| Core capital (leverage) ratio | 10.4646% | 2,984 |
| Tier 1 risk-based capital ratio | 14.7236% | 3,795 |
| Total risk-based capital ratio | 15.9625% | 3,757 |
| Memoranda: | ||
| Average total assets | $154,413,000 | 3,614 |
| Average earning assets | $147,687,670 | 3,523 |
| Average equity | $16,071,000 | 3,678 |
| Average total loans | $88,049,000 | 3,710 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 2,468 |
| Cost of funding earning assets | 0.3834% | 4,157 |
| Net interest margin | 3.9314% | 1,975 |
| Noninterest income to average assets | 0.3288% | 4,741 |
| Noninterest expense to average assets | 3.1033% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0077% | 2,185 |
| Return on assets (ROA) | 1.0077% | 2,246 |
| Pretax return on assets | 1.0077% | 3,292 |
| Return on Equity (ROE) | 9.5567% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.5567% | 1,091 |
| Net charge-offs to loans | 2.8813% | 70 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5872% | 3,306 |
| Efficiency ratio | 75.4876% | 2,873 |
| Assets per employee ($millions) | 3.5035% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 2,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 6,239 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 53.7626% | 4,450 |
| Net loans and leases to deposits | 60.5736% | 4,702 |
| Net loans and leases to core deposits | 65.1554% | 4,589 |
| Total domestic deposits to total assets | 88.7559% | 1,803 |
| Equity capital to assets | 10.2927% | 3,485 |
| Core capital (leverage) ratio | 10.6888% | 2,716 |
| Tier 1 risk-based capital ratio | 15.7186% | 3,318 |
| Total risk-based capital ratio | 16.9697% | 3,283 |
| Memoranda: | ||
| Average total assets | $149,649,000 | 3,708 |
| Average earning assets | $143,969,000 | 3,622 |
| Average equity | $15,779,500 | 3,734 |
| Average total loans | $89,125,000 | 3,719 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 3,803 |
| Cost of funding earning assets | 0.3977% | 4,682 |
| Net interest margin | 3.6855% | 3,112 |
| Noninterest income to average assets | 0.6243% | 2,950 |
| Noninterest expense to average assets | 3.3241% | 2,075 |
| Loan and lease loss provision to assets | -0.4128% | 6,719 |
| Net operating income to assets | 1.2232% | 1,476 |
| Return on assets (ROA) | 1.2232% | 1,544 |
| Pretax return on assets | 1.2232% | 2,488 |
| Return on Equity (ROE) | 10.9363% | 1,784 |
| Retained earnings to average equity (ytd only) | 8.2556% | 970 |
| Net charge-offs to loans | -0.6470% | 6,742 |
| Credit loss provision to net charge-offs | 118.0124% | 2,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3994% | 2,087 |
| Assets per employee ($millions) | 3.0792% | 5,710 |
| Cash dividends to net income (ytd only)* | 24.5115% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 1,162 |
| Loan loss allowance to noncurrent loans | 166.3123% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 3,665 |
| Noncurrent loans to loans | 1.3279% | 2,913 |
| Net loans and leases to total assets | 63.5857% | 3,118 |
| Net loans and leases to deposits | 72.1644% | 3,499 |
| Net loans and leases to core deposits | 77.9910% | 3,367 |
| Total domestic deposits to total assets | 88.1123% | 2,112 |
| Equity capital to assets | 10.8245% | 2,791 |
| Core capital (leverage) ratio | 11.4995% | 1,961 |
| Tier 1 risk-based capital ratio | 14.7795% | 3,798 |
| Total risk-based capital ratio | 16.0372% | 3,733 |
| Memoranda: | ||
| Average total assets | $138,083,000 | 3,919 |
| Average earning assets | $131,516,000 | 3,813 |
| Average equity | $15,444,000 | 3,792 |
| Average total loans | $74,648,200 | 4,104 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 4,085 |
| Cost of funding earning assets | 0.4011% | 4,812 |
| Net interest margin | 3.6113% | 3,395 |
| Noninterest income to average assets | 0.7094% | 2,554 |
| Noninterest expense to average assets | 3.3684% | 1,901 |
| Loan and lease loss provision to assets | 0.0292% | 4,425 |
| Net operating income to assets | 0.7415% | 3,643 |
| Return on assets (ROA) | 0.7415% | 3,768 |
| Pretax return on assets | 0.7415% | 4,524 |
| Return on Equity (ROE) | 6.5752% | 3,887 |
| Retained earnings to average equity (ytd only) | 5.2912% | 2,880 |
| Net charge-offs to loans | -0.9162% | 6,825 |
| Credit loss provision to net charge-offs | -6.2112% | 5,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3806% | 1,918 |
| Assets per employee ($millions) | 3.1857% | 5,523 |
| Cash dividends to net income (ytd only)* | 19.5280% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6567% | 294 |
| Loan loss allowance to noncurrent loans | 223.9796% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 3,949 |
| Noncurrent loans to loans | 1.6326% | 2,726 |
| Net loans and leases to total assets | 49.5099% | 5,192 |
| Net loans and leases to deposits | 56.1977% | 5,361 |
| Net loans and leases to core deposits | 61.2018% | 5,194 |
| Total domestic deposits to total assets | 88.0995% | 2,062 |
| Equity capital to assets | 10.7705% | 2,989 |
| Core capital (leverage) ratio | 11.2731% | 2,225 |
| Tier 1 risk-based capital ratio | 17.5439% | 2,491 |
| Total risk-based capital ratio | 18.8153% | 2,456 |
| Memoranda: | ||
| Average total assets | $137,193,250 | 3,971 |
| Average earning assets | $130,291,750 | 3,875 |
| Average equity | $15,472,000 | 3,835 |
| Average total loans | $70,285,750 | 4,292 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,711 |
| Cost of funding earning assets | 0.4070% | 4,875 |
| Net interest margin | 3.7004% | 2,957 |
| Noninterest income to average assets | 0.7929% | 2,217 |
| Noninterest expense to average assets | 3.2555% | 2,202 |
| Loan and lease loss provision to assets | 0.0441% | 4,084 |
| Net operating income to assets | 0.9912% | 2,367 |
| Return on assets (ROA) | 0.9912% | 2,507 |
| Pretax return on assets | 0.9912% | 3,547 |
| Return on Equity (ROE) | 8.6555% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.6555% | 1,244 |
| Net charge-offs to loans | -1.3973% | 6,885 |
| Credit loss provision to net charge-offs | -6.1602% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8727% | 2,809 |
| Assets per employee ($millions) | 3.2068% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0826% | 241 |
| Loan loss allowance to noncurrent loans | 223.5593% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 2.3055% | 1,879 |
| Noncurrent loans to loans | 1.8262% | 2,601 |
| Net loans and leases to total assets | 43.9252% | 5,746 |
| Net loans and leases to deposits | 49.8071% | 5,857 |
| Net loans and leases to core deposits | 53.9648% | 5,758 |
| Total domestic deposits to total assets | 88.1906% | 2,114 |
| Equity capital to assets | 10.7052% | 3,053 |
| Core capital (leverage) ratio | 11.3228% | 2,076 |
| Tier 1 risk-based capital ratio | 18.9290% | 2,011 |
| Total risk-based capital ratio | 20.2030% | 1,971 |
| Memoranda: | ||
| Average total assets | $136,201,000 | 4,018 |
| Average earning assets | $128,741,330 | 3,928 |
| Average equity | $15,597,000 | 3,836 |
| Average total loans | $69,703,670 | 4,318 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 4,392 |
| Cost of funding earning assets | 0.4267% | 4,844 |
| Net interest margin | 3.4966% | 3,714 |
| Noninterest income to average assets | 0.4037% | 4,428 |
| Noninterest expense to average assets | 2.8800% | 3,419 |
| Loan and lease loss provision to assets | 0.0897% | 3,165 |
| Net operating income to assets | 0.7177% | 3,607 |
| Return on assets (ROA) | 0.7177% | 3,742 |
| Pretax return on assets | 0.7177% | 4,500 |
| Return on Equity (ROE) | 6.0595% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.0595% | 2,646 |
| Net charge-offs to loans | 0.0055% | 4,052 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 141 |
| Efficiency ratio | 78.1022% | 2,595 |
| Assets per employee ($millions) | 3.3650% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0674% | 612 |
| Loan loss allowance to noncurrent loans | 27.8461% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 8.0094% | 312 |
| Noncurrent loans to loans | 11.0155% | 166 |
| Net loans and leases to total assets | 49.2465% | 5,083 |
| Net loans and leases to deposits | 56.3946% | 5,205 |
| Net loans and leases to core deposits | 59.5225% | 5,191 |
| Total domestic deposits to total assets | 87.3249% | 2,739 |
| Equity capital to assets | 11.5408% | 2,374 |
| Core capital (leverage) ratio | 11.0288% | 2,238 |
| Tier 1 risk-based capital ratio | 16.6078% | 2,949 |
| Total risk-based capital ratio | 17.8719% | 2,906 |
| Memoranda: | ||
| Average total assets | $133,752,000 | 4,104 |
| Average earning assets | $125,607,500 | 4,031 |
| Average equity | $15,843,000 | 3,842 |
| Average total loans | $72,247,500 | 4,260 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 3,582 |
| Cost of funding earning assets | 0.4847% | 5,323 |
| Net interest margin | 3.9720% | 2,512 |
| Noninterest income to average assets | 0.4034% | 4,582 |
| Noninterest expense to average assets | 2.8382% | 3,881 |
| Loan and lease loss provision to assets | 0.0927% | 4,514 |
| Net operating income to assets | 1.2271% | 1,513 |
| Return on assets (ROA) | 1.2271% | 1,682 |
| Pretax return on assets | 1.2271% | 2,694 |
| Return on Equity (ROE) | 10.4713% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.8446% | 1,646 |
| Net charge-offs to loans | 0.9567% | 1,155 |
| Credit loss provision to net charge-offs | 16.6436% | 5,320 |
| Earnings coverage of net charge-offs (x) | 2.3689% | 4,225 |
| Efficiency ratio | 68.2587% | 4,094 |
| Assets per employee ($millions) | 3.1595% | 5,717 |
| Cash dividends to net income (ytd only)* | 34.6348% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8507% | 786 |
| Loan loss allowance to noncurrent loans | 27.4955% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 9.1060% | 264 |
| Noncurrent loans to loans | 10.3679% | 215 |
| Net loans and leases to total assets | 55.7986% | 4,326 |
| Net loans and leases to deposits | 64.4070% | 4,489 |
| Net loans and leases to core deposits | 68.2517% | 4,510 |
| Total domestic deposits to total assets | 86.6343% | 3,029 |
| Equity capital to assets | 12.1691% | 1,931 |
| Core capital (leverage) ratio | 11.4824% | 1,892 |
| Tier 1 risk-based capital ratio | 15.7693% | 3,281 |
| Total risk-based capital ratio | 17.0312% | 3,234 |
| Memoranda: | ||
| Average total assets | $129,411,600 | 4,152 |
| Average earning assets | $122,332,400 | 4,062 |
| Average equity | $15,165,200 | 3,926 |
| Average total loans | $75,364,400 | 4,166 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 3,515 |
| Cost of funding earning assets | 0.4952% | 5,463 |
| Net interest margin | 4.0354% | 2,359 |
| Noninterest income to average assets | 0.3957% | 4,669 |
| Noninterest expense to average assets | 2.8628% | 3,738 |
| Loan and lease loss provision to assets | 0.0928% | 4,434 |
| Net operating income to assets | 1.2696% | 1,513 |
| Return on assets (ROA) | 1.2696% | 1,672 |
| Pretax return on assets | 1.2696% | 2,709 |
| Return on Equity (ROE) | 10.9396% | 1,984 |
| Retained earnings to average equity (ytd only) | 7.3878% | 1,903 |
| Net charge-offs to loans | 0.8624% | 1,274 |
| Credit loss provision to net charge-offs | 18.4049% | 4,978 |
| Earnings coverage of net charge-offs (x) | 2.7035% | 3,952 |
| Efficiency ratio | 67.7561% | 4,113 |
| Assets per employee ($millions) | 3.1544% | 5,722 |
| Cash dividends to net income (ytd only)* | 32.4674% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1445% | 631 |
| Loan loss allowance to noncurrent loans | 58.7209% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 4.8411% | 932 |
| Noncurrent loans to loans | 5.3550% | 813 |
| Net loans and leases to total assets | 55.3256% | 4,550 |
| Net loans and leases to deposits | 63.8663% | 4,730 |
| Net loans and leases to core deposits | 67.7024% | 4,756 |
| Total domestic deposits to total assets | 86.6271% | 2,899 |
| Equity capital to assets | 12.1195% | 2,167 |
| Core capital (leverage) ratio | 11.2800% | 2,152 |
| Tier 1 risk-based capital ratio | 16.5318% | 2,980 |
| Total risk-based capital ratio | 17.7990% | 2,941 |
| Memoranda: | ||
| Average total assets | $129,379,250 | 4,201 |
| Average earning assets | $122,777,750 | 4,084 |
| Average equity | $15,015,500 | 3,998 |
| Average total loans | $75,604,750 | 4,210 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 3,555 |
| Cost of funding earning assets | 0.4987% | 5,631 |
| Net interest margin | 4.0530% | 2,281 |
| Noninterest income to average assets | 0.3957% | 4,685 |
| Noninterest expense to average assets | 2.9615% | 3,402 |
| Loan and lease loss provision to assets | 0.0927% | 4,401 |
| Net operating income to assets | 1.1855% | 1,764 |
| Return on assets (ROA) | 1.1855% | 1,962 |
| Pretax return on assets | 1.1855% | 2,995 |
| Return on Equity (ROE) | 10.3677% | 2,218 |
| Retained earnings to average equity (ytd only) | 10.3677% | 878 |
| Net charge-offs to loans | 1.2838% | 836 |
| Credit loss provision to net charge-offs | 12.2699% | 4,712 |
| Earnings coverage of net charge-offs (x) | 1.6912% | 4,141 |
| Efficiency ratio | 69.8505% | 3,791 |
| Assets per employee ($millions) | 3.1847% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9577% | 814 |
| Loan loss allowance to noncurrent loans | 57.9333% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 4.8005% | 1,007 |
| Noncurrent loans to loans | 5.1054% | 948 |
| Net loans and leases to total assets | 57.6185% | 4,231 |
| Net loans and leases to deposits | 66.2251% | 4,483 |
| Net loans and leases to core deposits | 70.3776% | 4,489 |
| Total domestic deposits to total assets | 87.0040% | 2,762 |
| Equity capital to assets | 11.7461% | 2,369 |
| Core capital (leverage) ratio | 11.1457% | 2,166 |
| Tier 1 risk-based capital ratio | 15.8293% | 3,262 |
| Total risk-based capital ratio | 17.0946% | 3,217 |
| Memoranda: | ||
| Average total assets | $129,396,000 | 4,224 |
| Average earning assets | $122,724,330 | 4,107 |
| Average equity | $14,796,000 | 4,030 |
| Average total loans | $76,181,330 | 4,216 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 2,558 |
| Cost of funding earning assets | 0.5081% | 5,762 |
| Net interest margin | 4.3111% | 1,434 |
| Noninterest income to average assets | 0.4037% | 4,638 |
| Noninterest expense to average assets | 2.8880% | 3,673 |
| Loan and lease loss provision to assets | 0.0932% | 4,181 |
| Net operating income to assets | 1.5061% | 1,008 |
| Return on assets (ROA) | 1.5061% | 1,129 |
| Pretax return on assets | 1.5061% | 1,855 |
| Return on Equity (ROE) | 13.3558% | 1,313 |
| Retained earnings to average equity (ytd only) | 13.3558% | 636 |
| Net charge-offs to loans | 2.6222% | 306 |
| Credit loss provision to net charge-offs | 6.0606% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.0404% | 3,806 |
| Efficiency ratio | 64.3599% | 4,858 |
| Assets per employee ($millions) | 3.0640% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0307% | 809 |
| Loan loss allowance to noncurrent loans | 56.6374% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 4.7780% | 1,100 |
| Noncurrent loans to loans | 5.3510% | 1,014 |
| Net loans and leases to total assets | 54.8121% | 4,585 |
| Net loans and leases to deposits | 62.5959% | 4,826 |
| Net loans and leases to core deposits | 66.2645% | 4,884 |
| Total domestic deposits to total assets | 87.5651% | 2,611 |
| Equity capital to assets | 11.2099% | 2,707 |
| Core capital (leverage) ratio | 10.8344% | 2,405 |
| Tier 1 risk-based capital ratio | 16.0008% | 3,177 |
| Total risk-based capital ratio | 17.2660% | 3,135 |
| Memoranda: | ||
| Average total assets | $128,808,500 | 4,260 |
| Average earning assets | $122,012,000 | 4,152 |
| Average equity | $14,525,500 | 4,090 |
| Average total loans | $75,509,000 | 4,257 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 3,498 |
| Cost of funding earning assets | 0.7639% | 5,109 |
| Net interest margin | 4.1061% | 2,404 |
| Noninterest income to average assets | 0.4264% | 4,390 |
| Noninterest expense to average assets | 2.8248% | 4,257 |
| Loan and lease loss provision to assets | 0.5098% | 2,060 |
| Net operating income to assets | 0.9779% | 2,292 |
| Return on assets (ROA) | 0.9779% | 2,427 |
| Pretax return on assets | 0.9779% | 3,324 |
| Return on Equity (ROE) | 9.1551% | 2,385 |
| Retained earnings to average equity (ytd only) | 6.7687% | 1,609 |
| Net charge-offs to loans | 0.4145% | 3,351 |
| Credit loss provision to net charge-offs | 187.5000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 5.4716% | 2,780 |
| Efficiency ratio | 65.5024% | 4,867 |
| Assets per employee ($millions) | 2.9968% | 6,089 |
| Cash dividends to net income (ytd only)* | 26.0664% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5560% | 513 |
| Loan loss allowance to noncurrent loans | 59.1739% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 5.5495% | 919 |
| Noncurrent loans to loans | 6.0095% | 830 |
| Net loans and leases to total assets | 58.6524% | 4,253 |
| Net loans and leases to deposits | 67.1530% | 4,563 |
| Net loans and leases to core deposits | 71.1139% | 4,636 |
| Total domestic deposits to total assets | 87.3414% | 2,559 |
| Equity capital to assets | 11.3469% | 2,641 |
| Core capital (leverage) ratio | 10.8308% | 2,410 |
| Tier 1 risk-based capital ratio | 15.8117% | 3,151 |
| Total risk-based capital ratio | 17.0850% | 3,098 |
| Memoranda: | ||
| Average total assets | $129,460,000 | 4,180 |
| Average earning assets | $122,524,000 | 4,082 |
| Average equity | $13,828,400 | 4,150 |
| Average total loans | $84,931,600 | 4,002 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 3,449 |
| Cost of funding earning assets | 0.8199% | 5,010 |
| Net interest margin | 4.1061% | 2,449 |
| Noninterest income to average assets | 0.4378% | 4,378 |
| Noninterest expense to average assets | 2.7605% | 4,495 |
| Loan and lease loss provision to assets | 0.5523% | 1,780 |
| Net operating income to assets | 1.0126% | 2,276 |
| Return on assets (ROA) | 1.0126% | 2,430 |
| Pretax return on assets | 1.0126% | 3,357 |
| Return on Equity (ROE) | 9.6243% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.6243% | 949 |
| Net charge-offs to loans | 0.5255% | 2,655 |
| Credit loss provision to net charge-offs | 157.4344% | 1,970 |
| Earnings coverage of net charge-offs (x) | 4.4607% | 3,066 |
| Efficiency ratio | 63.8212% | 5,104 |
| Assets per employee ($millions) | 3.1794% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1797% | 740 |
| Loan loss allowance to noncurrent loans | 52.1366% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 5.8069% | 938 |
| Noncurrent loans to loans | 6.0988% | 904 |
| Net loans and leases to total assets | 62.5144% | 3,608 |
| Net loans and leases to deposits | 71.5936% | 4,047 |
| Net loans and leases to core deposits | 76.0244% | 4,190 |
| Total domestic deposits to total assets | 87.3185% | 2,463 |
| Equity capital to assets | 11.2788% | 2,886 |
| Core capital (leverage) ratio | 10.7961% | 2,574 |
| Tier 1 risk-based capital ratio | 15.2459% | 3,522 |
| Total risk-based capital ratio | 16.5160% | 3,476 |
| Memoranda: | ||
| Average total assets | $130,358,250 | 4,191 |
| Average earning assets | $123,422,000 | 4,091 |
| Average equity | $13,715,000 | 4,184 |
| Average total loans | $87,028,000 | 3,968 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 3,600 |
| Cost of funding earning assets | 0.8636% | 4,960 |
| Net interest margin | 4.0401% | 2,647 |
| Noninterest income to average assets | 0.4459% | 4,311 |
| Noninterest expense to average assets | 2.7317% | 4,695 |
| Loan and lease loss provision to assets | 0.5479% | 1,772 |
| Net operating income to assets | 0.9968% | 2,242 |
| Return on assets (ROA) | 0.9968% | 2,346 |
| Pretax return on assets | 0.9968% | 3,253 |
| Return on Equity (ROE) | 9.6999% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.6999% | 916 |
| Net charge-offs to loans | 0.7128% | 2,086 |
| Credit loss provision to net charge-offs | 113.9241% | 2,689 |
| Earnings coverage of net charge-offs (x) | 3.2120% | 3,265 |
| Efficiency ratio | 63.8790% | 5,260 |
| Assets per employee ($millions) | 3.3430% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0142% | 891 |
| Loan loss allowance to noncurrent loans | 53.8563% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 5.2916% | 1,143 |
| Noncurrent loans to loans | 5.5967% | 1,116 |
| Net loans and leases to total assets | 60.6630% | 4,156 |
| Net loans and leases to deposits | 68.9863% | 4,567 |
| Net loans and leases to core deposits | 73.0981% | 4,698 |
| Total domestic deposits to total assets | 87.9349% | 2,181 |
| Equity capital to assets | 10.6546% | 3,329 |
| Core capital (leverage) ratio | 10.2416% | 2,988 |
| Tier 1 risk-based capital ratio | 14.9606% | 3,508 |
| Total risk-based capital ratio | 16.2288% | 3,477 |
| Memoranda: | ||
| Average total assets | $131,418,670 | 4,195 |
| Average earning assets | $124,601,000 | 4,106 |
| Average equity | $13,505,330 | 4,224 |
| Average total loans | $88,665,670 | 3,975 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 3,086 |
| Cost of funding earning assets | 0.9400% | 4,646 |
| Net interest margin | 4.0660% | 2,404 |
| Noninterest income to average assets | 0.3911% | 4,775 |
| Noninterest expense to average assets | 2.5709% | 5,328 |
| Loan and lease loss provision to assets | 0.5457% | 1,585 |
| Net operating income to assets | 1.1429% | 1,689 |
| Return on assets (ROA) | 1.1429% | 1,736 |
| Pretax return on assets | 1.1429% | 2,596 |
| Return on Equity (ROE) | 11.3277% | 1,638 |
| Retained earnings to average equity (ytd only) | 11.3277% | 834 |
| Net charge-offs to loans | 1.3836% | 992 |
| Credit loss provision to net charge-offs | 56.4263% | 3,615 |
| Earnings coverage of net charge-offs (x) | 1.7461% | 3,433 |
| Efficiency ratio | 60.3559% | 5,935 |
| Assets per employee ($millions) | 3.5680% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5937% | 1,321 |
| Loan loss allowance to noncurrent loans | 50.7246% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 5.0301% | 1,253 |
| Noncurrent loans to loans | 5.1133% | 1,315 |
| Net loans and leases to total assets | 63.0153% | 3,651 |
| Net loans and leases to deposits | 71.0586% | 4,190 |
| Net loans and leases to core deposits | 75.2804% | 4,383 |
| Total domestic deposits to total assets | 88.6807% | 1,970 |
| Equity capital to assets | 9.9541% | 3,835 |
| Core capital (leverage) ratio | 9.9262% | 3,234 |
| Tier 1 risk-based capital ratio | 14.1115% | 3,997 |
| Total risk-based capital ratio | 15.3764% | 3,956 |
| Memoranda: | ||
| Average total assets | $131,940,000 | 4,212 |
| Average earning assets | $125,527,500 | 4,113 |
| Average equity | $13,312,500 | 4,264 |
| Average total loans | $92,224,500 | 3,922 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 2,242 |
| Cost of funding earning assets | 1.2068% | 4,522 |
| Net interest margin | 4.3022% | 1,814 |
| Noninterest income to average assets | 0.3995% | 4,915 |
| Noninterest expense to average assets | 2.6728% | 5,112 |
| Loan and lease loss provision to assets | 1.6255% | 888 |
| Net operating income to assets | 0.2369% | 5,150 |
| Return on assets (ROA) | 0.2369% | 5,306 |
| Pretax return on assets | 0.2369% | 5,389 |
| Return on Equity (ROE) | 2.1891% | 5,315 |
| Retained earnings to average equity (ytd only) | -4.0948% | 6,211 |
| Net charge-offs to loans | 0.8673% | 2,463 |
| Credit loss provision to net charge-offs | 250.2952% | 1,130 |
| Earnings coverage of net charge-offs (x) | 2.8678% | 3,640 |
| Efficiency ratio | 58.9349% | 6,210 |
| Assets per employee ($millions) | 3.1292% | 5,824 |
| Cash dividends to net income (ytd only)* | 287.0550% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4955% | 1,416 |
| Loan loss allowance to noncurrent loans | 31.5845% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 5.9573% | 1,005 |
| Noncurrent loans to loans | 7.9009% | 665 |
| Net loans and leases to total assets | 73.5185% | 1,763 |
| Net loans and leases to deposits | 83.2564% | 2,575 |
| Net loans and leases to core deposits | 88.5204% | 2,978 |
| Total domestic deposits to total assets | 88.3037% | 2,061 |
| Equity capital to assets | 10.2333% | 3,459 |
| Core capital (leverage) ratio | 9.8780% | 3,234 |
| Tier 1 risk-based capital ratio | 13.1661% | 4,475 |
| Total risk-based capital ratio | 14.4305% | 4,416 |
| Memoranda: | ||
| Average total assets | $130,425,200 | 4,252 |
| Average earning assets | $125,376,400 | 4,120 |
| Average equity | $14,115,600 | 4,116 |
| Average total loans | $97,661,200 | 3,865 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6206% | 1,990 |
| Cost of funding earning assets | 1.2456% | 4,596 |
| Net interest margin | 4.3750% | 1,600 |
| Noninterest income to average assets | 0.3960% | 4,988 |
| Noninterest expense to average assets | 2.5779% | 5,408 |
| Loan and lease loss provision to assets | 0.5600% | 2,706 |
| Net operating income to assets | 1.4671% | 984 |
| Return on assets (ROA) | 1.4671% | 1,060 |
| Pretax return on assets | 1.4671% | 1,698 |
| Return on Equity (ROE) | 13.3774% | 1,163 |
| Retained earnings to average equity (ytd only) | 5.1430% | 2,879 |
| Net charge-offs to loans | 0.0014% | 6,660 |
| Credit loss provision to net charge-offs | 55,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 1,995.9398% | 10 |
| Efficiency ratio | 55.9805% | 6,560 |
| Assets per employee ($millions) | 3.1734% | 5,739 |
| Cash dividends to net income (ytd only)* | 61.5545% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 3,307 |
| Loan loss allowance to noncurrent loans | 19.9693% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 6.5044% | 876 |
| Noncurrent loans to loans | 8.3011% | 606 |
| Net loans and leases to total assets | 77.0573% | 1,211 |
| Net loans and leases to deposits | 88.1562% | 1,988 |
| Net loans and leases to core deposits | 93.7228% | 2,568 |
| Total domestic deposits to total assets | 87.4100% | 2,312 |
| Equity capital to assets | 11.0913% | 2,864 |
| Core capital (leverage) ratio | 10.6691% | 2,534 |
| Tier 1 risk-based capital ratio | 13.5682% | 4,149 |
| Total risk-based capital ratio | 14.8224% | 4,093 |
| Memoranda: | ||
| Average total assets | $130,957,250 | 4,303 |
| Average earning assets | $125,986,250 | 4,160 |
| Average equity | $14,362,250 | 4,122 |
| Average total loans | $97,892,500 | 3,917 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5750% | 2,227 |
| Cost of funding earning assets | 1.2789% | 4,658 |
| Net interest margin | 4.2962% | 1,794 |
| Noninterest income to average assets | 0.3917% | 4,978 |
| Noninterest expense to average assets | 2.5892% | 5,360 |
| Loan and lease loss provision to assets | 0.3200% | 3,819 |
| Net operating income to assets | 1.6138% | 706 |
| Return on assets (ROA) | 1.6138% | 762 |
| Pretax return on assets | 1.6138% | 1,268 |
| Return on Equity (ROE) | 14.7706% | 896 |
| Retained earnings to average equity (ytd only) | 7.7828% | 1,516 |
| Net charge-offs to loans | 0.0021% | 6,355 |
| Credit loss provision to net charge-offs | 21,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 1,269.0000% | 16 |
| Efficiency ratio | 57.2439% | 6,482 |
| Assets per employee ($millions) | 3.3288% | 5,363 |
| Cash dividends to net income (ytd only)* | 47.3088% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 4,610 |
| Loan loss allowance to noncurrent loans | 15.9669% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 6.3499% | 902 |
| Noncurrent loans to loans | 8.5386% | 578 |
| Net loans and leases to total assets | 73.3530% | 2,071 |
| Net loans and leases to deposits | 83.7242% | 2,925 |
| Net loans and leases to core deposits | 88.3093% | 3,508 |
| Total domestic deposits to total assets | 87.6127% | 2,199 |
| Equity capital to assets | 10.8846% | 2,983 |
| Core capital (leverage) ratio | 10.5042% | 2,631 |
| Tier 1 risk-based capital ratio | 13.4003% | 4,139 |
| Total risk-based capital ratio | 14.6510% | 4,101 |
| Memoranda: | ||
| Average total assets | $131,239,330 | 4,317 |
| Average earning assets | $126,205,330 | 4,178 |
| Average equity | $14,339,330 | 4,125 |
| Average total loans | $96,540,000 | 3,999 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6503% | 1,961 |
| Cost of funding earning assets | 1.3359% | 4,589 |
| Net interest margin | 4.3144% | 1,645 |
| Noninterest income to average assets | 0.3961% | 4,944 |
| Noninterest expense to average assets | 2.5882% | 5,399 |
| Loan and lease loss provision to assets | 0.2763% | 3,810 |
| Net operating income to assets | 1.6764% | 645 |
| Return on assets (ROA) | 1.6764% | 695 |
| Pretax return on assets | 1.6764% | 1,102 |
| Return on Equity (ROE) | 15.3129% | 823 |
| Retained earnings to average equity (ytd only) | 15.3129% | 386 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9980% | 6,632 |
| Assets per employee ($millions) | 3.4277% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 5,047 |
| Loan loss allowance to noncurrent loans | 30.7136% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 2.9982% | 2,392 |
| Noncurrent loans to loans | 4.1657% | 1,850 |
| Net loans and leases to total assets | 71.0515% | 2,684 |
| Net loans and leases to deposits | 81.0062% | 3,463 |
| Net loans and leases to core deposits | 85.3880% | 3,984 |
| Total domestic deposits to total assets | 87.7111% | 2,231 |
| Equity capital to assets | 10.8152% | 2,939 |
| Core capital (leverage) ratio | 10.4398% | 2,683 |
| Tier 1 risk-based capital ratio | 13.3096% | 4,117 |
| Total risk-based capital ratio | 14.4760% | 4,141 |
| Memoranda: | ||
| Average total assets | $130,283,000 | 4,406 |
| Average earning assets | $125,161,000 | 4,258 |
| Average equity | $14,262,500 | 4,178 |
| Average total loans | $95,299,500 | 4,090 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1707% | 1,319 |
| Cost of funding earning assets | 1.5916% | 5,065 |
| Net interest margin | 4.5791% | 1,023 |
| Noninterest income to average assets | 0.4229% | 5,030 |
| Noninterest expense to average assets | 2.7626% | 5,115 |
| Loan and lease loss provision to assets | 0.5184% | 3,778 |
| Net operating income to assets | 1.5340% | 627 |
| Return on assets (ROA) | 1.6817% | 488 |
| Pretax return on assets | 1.6817% | 815 |
| Return on Equity (ROE) | 15.0253% | 666 |
| Retained earnings to average equity (ytd only) | 4.9817% | 1,824 |
| Net charge-offs to loans | 0.5276% | 3,675 |
| Credit loss provision to net charge-offs | 137.4459% | 3,580 |
| Earnings coverage of net charge-offs (x) | 5.4416% | 2,600 |
| Efficiency ratio | 57.3754% | 6,852 |
| Assets per employee ($millions) | 3.0947% | 6,000 |
| Cash dividends to net income (ytd only)* | 66.8447% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 5,305 |
| Loan loss allowance to noncurrent loans | 30.9466% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 2.9058% | 2,412 |
| Noncurrent loans to loans | 3.9063% | 1,900 |
| Net loans and leases to total assets | 73.4876% | 2,387 |
| Net loans and leases to deposits | 84.1773% | 3,223 |
| Net loans and leases to core deposits | 113.9095% | 2,507 |
| Total domestic deposits to total assets | 87.3010% | 2,326 |
| Equity capital to assets | 11.0865% | 2,639 |
| Core capital (leverage) ratio | 10.4946% | 2,614 |
| Tier 1 risk-based capital ratio | 13.0196% | 4,128 |
| Total risk-based capital ratio | 14.1200% | 4,183 |
| Memoranda: | ||
| Average total assets | $122,492,200 | 4,503 |
| Average earning assets | $117,490,200 | 4,367 |
| Average equity | $13,710,200 | 4,333 |
| Average total loans | $87,564,000 | 4,284 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2098% | 1,351 |
| Cost of funding earning assets | 1.6466% | 5,176 |
| Net interest margin | 4.5631% | 1,050 |
| Noninterest income to average assets | 0.4229% | 5,109 |
| Noninterest expense to average assets | 2.6722% | 5,446 |
| Loan and lease loss provision to assets | 0.3075% | 4,512 |
| Net operating income to assets | 1.8199% | 422 |
| Return on assets (ROA) | 2.0187% | 303 |
| Pretax return on assets | 2.0187% | 523 |
| Return on Equity (ROE) | 17.9914% | 456 |
| Retained earnings to average equity (ytd only) | 7.1359% | 1,452 |
| Net charge-offs to loans | -0.0202% | 7,764 |
| Credit loss provision to net charge-offs | -2,153.8462% | 7,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6751% | 7,044 |
| Assets per employee ($millions) | 3.0983% | 5,911 |
| Cash dividends to net income (ytd only)* | 60.3372% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,278 |
| Loan loss allowance to noncurrent loans | 29.7195% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 3.3401% | 2,016 |
| Noncurrent loans to loans | 4.4985% | 1,556 |
| Net loans and leases to total assets | 73.2577% | 2,720 |
| Net loans and leases to deposits | 84.3340% | 3,595 |
| Net loans and leases to core deposits | 113.4532% | 2,887 |
| Total domestic deposits to total assets | 86.8662% | 2,250 |
| Equity capital to assets | 11.2232% | 2,814 |
| Core capital (leverage) ratio | 10.5106% | 2,785 |
| Tier 1 risk-based capital ratio | 12.9868% | 4,200 |
| Total risk-based capital ratio | 14.1957% | 4,158 |
| Memoranda: | ||
| Average total assets | $121,394,250 | 4,561 |
| Average earning assets | $116,437,500 | 4,421 |
| Average equity | $13,621,000 | 4,388 |
| Average total loans | $85,858,750 | 4,372 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0933% | 1,811 |
| Cost of funding earning assets | 1.6791% | 5,371 |
| Net interest margin | 4.4142% | 1,380 |
| Noninterest income to average assets | 0.4184% | 5,130 |
| Noninterest expense to average assets | 2.7745% | 5,069 |
| Loan and lease loss provision to assets | 0.2677% | 4,444 |
| Net operating income to assets | 1.6082% | 666 |
| Return on assets (ROA) | 1.6082% | 734 |
| Pretax return on assets | 1.6082% | 1,187 |
| Return on Equity (ROE) | 14.3337% | 937 |
| Retained earnings to average equity (ytd only) | 0.5370% | 4,984 |
| Net charge-offs to loans | -0.0313% | 7,785 |
| Credit loss provision to net charge-offs | -1,230.7692% | 7,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6617% | 6,598 |
| Assets per employee ($millions) | 3.0649% | 5,963 |
| Cash dividends to net income (ytd only)* | 96.2539% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 4,489 |
| Loan loss allowance to noncurrent loans | 679.1667% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 7,225 |
| Noncurrent loans to loans | 0.1866% | 7,051 |
| Net loans and leases to total assets | 70.7517% | 3,521 |
| Net loans and leases to deposits | 81.2027% | 4,358 |
| Net loans and leases to core deposits | 109.5277% | 3,427 |
| Total domestic deposits to total assets | 87.1298% | 2,181 |
| Equity capital to assets | 10.8601% | 3,050 |
| Core capital (leverage) ratio | 10.2644% | 3,028 |
| Tier 1 risk-based capital ratio | 12.5755% | 4,458 |
| Total risk-based capital ratio | 13.6919% | 4,492 |
| Memoranda: | ||
| Average total assets | $119,515,330 | 4,649 |
| Average earning assets | $114,585,330 | 4,500 |
| Average equity | $13,409,000 | 4,442 |
| Average total loans | $83,038,000 | 4,496 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9223% | 392 |
| Cost of funding earning assets | 1.7396% | 5,424 |
| Net interest margin | 5.1827% | 289 |
| Noninterest income to average assets | 0.4328% | 4,933 |
| Noninterest expense to average assets | 2.6073% | 5,423 |
| Loan and lease loss provision to assets | 0.2405% | 4,055 |
| Net operating income to assets | 2.5386% | 125 |
| Return on assets (ROA) | 2.5386% | 151 |
| Pretax return on assets | 2.5386% | 238 |
| Return on Equity (ROE) | 22.2423% | 295 |
| Retained earnings to average equity (ytd only) | 9.1798% | 1,425 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4056% | 7,704 |
| Assets per employee ($millions) | 3.0399% | 6,046 |
| Cash dividends to net income (ytd only)* | 58.7280% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.7072% | 4,859 |
| Net loans and leases to deposits | 74.7594% | 5,389 |
| Net loans and leases to core deposits | 97.6834% | 4,776 |
| Total domestic deposits to total assets | 86.5539% | 2,422 |
| Equity capital to assets | 11.3983% | 2,659 |
| Core capital (leverage) ratio | 11.0398% | 2,471 |
| Tier 1 risk-based capital ratio | 13.9761% | 3,603 |
| Total risk-based capital ratio | 15.0816% | 3,603 |
| Memoranda: | ||
| Average total assets | $116,442,000 | 4,741 |
| Average earning assets | $111,292,500 | 4,598 |
| Average equity | $13,290,000 | 4,511 |
| Average total loans | $79,532,500 | 4,630 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5798% | 2,580 |
| Cost of funding earning assets | 1.9076% | 6,709 |
| Net interest margin | 4.6721% | 1,024 |
| Noninterest income to average assets | 0.4312% | 5,202 |
| Noninterest expense to average assets | 3.2366% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6496% | 749 |
| Return on assets (ROA) | 1.7547% | 576 |
| Pretax return on assets | 1.7547% | 1,040 |
| Return on Equity (ROE) | 16.0600% | 763 |
| Retained earnings to average equity (ytd only) | 10.0489% | 443 |
| Net charge-offs to loans | -0.0140% | 7,890 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2403% | 5,079 |
| Assets per employee ($millions) | 2.7822% | 6,605 |
| Cash dividends to net income (ytd only)* | 37.4290% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 4,380 |
| Loan loss allowance to noncurrent loans | 41.6523% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 2,359 |
| Noncurrent loans to loans | 2.9290% | 1,836 |
| Net loans and leases to total assets | 70.4278% | 3,919 |
| Net loans and leases to deposits | 84.5445% | 4,330 |
| Net loans and leases to core deposits | 107.5839% | 4,014 |
| Total domestic deposits to total assets | 83.3026% | 3,652 |
| Equity capital to assets | 11.4299% | 2,679 |
| Core capital (leverage) ratio | 11.5186% | 2,242 |
| Tier 1 risk-based capital ratio | 14.2233% | 3,436 |
| Total risk-based capital ratio | 15.2975% | 3,446 |
| Memoranda: | ||
| Average total assets | $110,392,200 | 4,767 |
| Average earning assets | $105,262,200 | 4,637 |
| Average equity | $12,061,000 | 4,813 |
| Average total loans | $71,427,200 | 4,815 |