Home > Waukon State Bank > Performance and Condition Ratios
Waukon State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 2,624 |
| Cost of funding earning assets | 1.7446% | 1,368 |
| Net interest margin | 2.9787% | 3,332 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.7103% | 4,123 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.0952% | 1,937 |
| Return on assets (ROA) | 1.0952% | 1,904 |
| Pretax return on assets | 1.1466% | 2,272 |
| Return on Equity (ROE) | 11.1400% | 2,188 |
| Retained earnings to average equity (ytd only) | 4.1147% | 2,917 |
| Net charge-offs to loans | 0.1449% | 705 |
| Credit loss provision to net charge-offs | 155.6017% | 1,443 |
| Earnings coverage of net charge-offs (x) | 11.1349% | 2,207 |
| Efficiency ratio | 56.2021% | 3,479 |
| Assets per employee ($millions) | 8.0726% | 1,396 |
| Cash dividends to net income (ytd only)* | 63.0612% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,029 |
| Loan loss allowance to noncurrent loans | 135.1157% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 524 |
| Noncurrent loans to loans | 1.1155% | 648 |
| Net loans and leases to total assets | 83.9000% | 276 |
| Net loans and leases to deposits | 101.0184% | 479 |
| Net loans and leases to core deposits | 114.8895% | 786 |
| Total domestic deposits to total assets | 83.0600% | 2,878 |
| Equity capital to assets | 10.0752% | 1,961 |
| Core capital (leverage) ratio | 9.9565% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $402,674,000 | 2,003 |
| Average earning assets | $380,608,600 | 1,975 |
| Average equity | $39,589,800 | 1,903 |
| Average total loans | $332,733,600 | 1,672 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 2,726 |
| Cost of funding earning assets | 1.6371% | 1,308 |
| Net interest margin | 2.9428% | 3,448 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.6977% | 4,133 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1805% | 1,843 |
| Return on assets (ROA) | 1.1805% | 1,831 |
| Pretax return on assets | 1.2362% | 2,209 |
| Return on Equity (ROE) | 12.0800% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.3544% | 1,587 |
| Net charge-offs to loans | -0.0076% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.2842% | 3,378 |
| Assets per employee ($millions) | 8.4108% | 1,156 |
| Cash dividends to net income (ytd only)* | 22.5635% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 1,067 |
| Loan loss allowance to noncurrent loans | 148.6249% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 667 |
| Noncurrent loans to loans | 1.0212% | 792 |
| Net loans and leases to total assets | 79.9800% | 650 |
| Net loans and leases to deposits | 95.7198% | 773 |
| Net loans and leases to core deposits | 108.9687% | 912 |
| Total domestic deposits to total assets | 83.5600% | 2,885 |
| Equity capital to assets | 9.6965% | 1,998 |
| Core capital (leverage) ratio | 10.1467% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $404,453,750 | 2,000 |
| Average earning assets | $382,532,500 | 1,974 |
| Average equity | $39,524,000 | 1,889 |
| Average total loans | $331,675,750 | 1,674 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,802 |
| Cost of funding earning assets | 1.4529% | 1,331 |
| Net interest margin | 2.9835% | 3,474 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.6532% | 4,206 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.2128% | 1,800 |
| Return on assets (ROA) | 1.2128% | 1,782 |
| Pretax return on assets | 1.2700% | 2,162 |
| Return on Equity (ROE) | 12.3800% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.6709% | 1,255 |
| Net charge-offs to loans | 0.0036% | 2,180 |
| Credit loss provision to net charge-offs | 4,166.6667% | 127 |
| Earnings coverage of net charge-offs (x) | 467.0000% | 322 |
| Efficiency ratio | 54.2456% | 3,587 |
| Assets per employee ($millions) | 8.2977% | 1,189 |
| Cash dividends to net income (ytd only)* | 13.7874% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,115 |
| Loan loss allowance to noncurrent loans | 138.1148% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 544 |
| Noncurrent loans to loans | 1.1007% | 650 |
| Net loans and leases to total assets | 80.5400% | 577 |
| Net loans and leases to deposits | 97.9637% | 607 |
| Net loans and leases to core deposits | 110.0087% | 827 |
| Total domestic deposits to total assets | 82.2200% | 3,187 |
| Equity capital to assets | 9.8554% | 1,936 |
| Core capital (leverage) ratio | 10.1499% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $401,895,000 | 2,009 |
| Average earning assets | $380,756,000 | 1,978 |
| Average equity | $39,378,000 | 1,900 |
| Average total loans | $330,662,000 | 1,669 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,787 |
| Cost of funding earning assets | 1.2759% | 1,283 |
| Net interest margin | 3.0290% | 3,527 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.7700% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2564% | 1,780 |
| Return on assets (ROA) | 1.2564% | 1,756 |
| Pretax return on assets | 1.3175% | 2,128 |
| Return on Equity (ROE) | 12.8600% | 2,012 |
| Retained earnings to average equity (ytd only) | 12.8614% | 1,114 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.3281% | 3,267 |
| Assets per employee ($millions) | 8.2841% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,412 |
| Loan loss allowance to noncurrent loans | 2,718.0791% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,350 |
| Noncurrent loans to loans | 0.0536% | 3,357 |
| Net loans and leases to total assets | 80.2000% | 518 |
| Net loans and leases to deposits | 95.5536% | 676 |
| Net loans and leases to core deposits | 101.3954% | 1,028 |
| Total domestic deposits to total assets | 83.9300% | 3,106 |
| Equity capital to assets | 9.7095% | 1,988 |
| Core capital (leverage) ratio | 10.1384% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $399,548,500 | 2,041 |
| Average earning assets | $378,074,500 | 2,006 |
| Average equity | $39,031,500 | 1,930 |
| Average total loans | $329,728,500 | 1,686 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 2,285 |
| Cost of funding earning assets | 0.5447% | 1,135 |
| Net interest margin | 3.2529% | 2,697 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.7160% | 4,150 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.3197% | 1,359 |
| Return on assets (ROA) | 1.3197% | 1,320 |
| Pretax return on assets | 1.3833% | 1,811 |
| Return on Equity (ROE) | 13.2800% | 1,715 |
| Retained earnings to average equity (ytd only) | 4.1687% | 3,337 |
| Net charge-offs to loans | -0.0171% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.9040% | 3,985 |
| Assets per employee ($millions) | 8.7372% | 1,000 |
| Cash dividends to net income (ytd only)* | 68.6190% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,228 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.6700% | 354 |
| Net loans and leases to deposits | 97.3073% | 566 |
| Net loans and leases to core deposits | 101.5527% | 920 |
| Total domestic deposits to total assets | 84.9600% | 2,999 |
| Equity capital to assets | 9.8302% | 1,797 |
| Core capital (leverage) ratio | 10.0788% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $386,828,400 | 2,077 |
| Average earning assets | $359,644,600 | 2,070 |
| Average equity | $38,429,400 | 1,978 |
| Average total loans | $298,174,200 | 1,726 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6600% | 2,164 |
| Cost of funding earning assets | 0.3969% | 1,313 |
| Net interest margin | 3.2630% | 2,414 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.7377% | 4,096 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.3449% | 1,222 |
| Return on assets (ROA) | 1.3449% | 1,201 |
| Pretax return on assets | 1.4100% | 1,685 |
| Return on Equity (ROE) | 13.5000% | 1,565 |
| Retained earnings to average equity (ytd only) | 7.2616% | 2,279 |
| Net charge-offs to loans | -0.0115% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.3293% | 3,984 |
| Assets per employee ($millions) | 8.3706% | 1,134 |
| Cash dividends to net income (ytd only)* | 46.2172% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,574 |
| Loan loss allowance to noncurrent loans | 1,014.9457% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 2,989 |
| Noncurrent loans to loans | 0.1174% | 3,059 |
| Net loans and leases to total assets | 80.4200% | 499 |
| Net loans and leases to deposits | 92.1708% | 757 |
| Net loans and leases to core deposits | 97.1709% | 946 |
| Total domestic deposits to total assets | 87.2500% | 2,680 |
| Equity capital to assets | 9.9621% | 1,648 |
| Core capital (leverage) ratio | 10.4198% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $385,241,750 | 2,101 |
| Average earning assets | $356,716,250 | 2,093 |
| Average equity | $38,374,250 | 2,009 |
| Average total loans | $290,439,000 | 1,765 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 2,074 |
| Cost of funding earning assets | 0.3834% | 1,033 |
| Net interest margin | 3.1361% | 2,417 |
| Noninterest income to average assets | 0.2969% | 3,386 |
| Noninterest expense to average assets | 1.7519% | 4,051 |
| Loan and lease loss provision to assets | 0.2595% | 272 |
| Net operating income to assets | 1.1227% | 1,689 |
| Return on assets (ROA) | 1.1227% | 1,668 |
| Pretax return on assets | 1.1767% | 2,145 |
| Return on Equity (ROE) | 11.2717% | 1,898 |
| Retained earnings to average equity (ytd only) | 4.9402% | 2,729 |
| Net charge-offs to loans | 0.0007% | 2,130 |
| Credit loss provision to net charge-offs | 50,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 2,767.0000% | 27 |
| Efficiency ratio | 54.9495% | 3,873 |
| Assets per employee ($millions) | 8.1848% | 1,209 |
| Cash dividends to net income (ytd only)* | 56.1720% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,498 |
| Loan loss allowance to noncurrent loans | 968.4073% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,010 |
| Noncurrent loans to loans | 0.1275% | 3,082 |
| Net loans and leases to total assets | 77.1139% | 628 |
| Net loans and leases to deposits | 88.2579% | 820 |
| Net loans and leases to core deposits | 93.9556% | 913 |
| Total domestic deposits to total assets | 87.3734% | 2,806 |
| Equity capital to assets | 9.8841% | 1,780 |
| Core capital (leverage) ratio | 10.1190% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,306,000 | 2,110 |
| Average earning assets | $355,216,333 | 2,122 |
| Average equity | $38,379,333 | 2,067 |
| Average total loans | $282,784,667 | 1,790 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3933% | 2,109 |
| Cost of funding earning assets | 0.3792% | 996 |
| Net interest margin | 3.0141% | 2,457 |
| Noninterest income to average assets | 0.3402% | 3,057 |
| Noninterest expense to average assets | 1.8225% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2292% | 1,172 |
| Return on assets (ROA) | 1.2292% | 1,155 |
| Pretax return on assets | 1.2883% | 1,541 |
| Return on Equity (ROE) | 12.2933% | 1,229 |
| Retained earnings to average equity (ytd only) | 12.2933% | 560 |
| Net charge-offs to loans | 0.0015% | 1,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,242.0000% | 67 |
| Efficiency ratio | 58.5862% | 3,622 |
| Assets per employee ($millions) | 8.7743% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,151 |
| Loan loss allowance to noncurrent loans | 519.2557% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,704 |
| Noncurrent loans to loans | 0.2196% | 2,717 |
| Net loans and leases to total assets | 70.4626% | 975 |
| Net loans and leases to deposits | 80.4753% | 1,107 |
| Net loans and leases to core deposits | 84.8375% | 1,199 |
| Total domestic deposits to total assets | 87.5581% | 2,722 |
| Equity capital to assets | 9.7875% | 2,062 |
| Core capital (leverage) ratio | 10.2305% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,615,500 | 2,117 |
| Average earning assets | $354,461,500 | 2,134 |
| Average equity | $38,557,500 | 2,108 |
| Average total loans | $273,999,000 | 1,822 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 1,588 |
| Cost of funding earning assets | 0.4343% | 1,294 |
| Net interest margin | 3.4734% | 1,815 |
| Noninterest income to average assets | 0.4484% | 2,826 |
| Noninterest expense to average assets | 1.6893% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8774% | 430 |
| Return on assets (ROA) | 1.8774% | 458 |
| Pretax return on assets | 1.9679% | 643 |
| Return on Equity (ROE) | 17.9176% | 475 |
| Retained earnings to average equity (ytd only) | 1.2532% | 4,192 |
| Net charge-offs to loans | -0.0093% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1920% | 4,490 |
| Assets per employee ($millions) | 8.5543% | 1,064 |
| Cash dividends to net income (ytd only)* | 93.0060% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.9710% | 1,048 |
| Net loans and leases to deposits | 80.4108% | 1,180 |
| Net loans and leases to core deposits | 85.0104% | 1,259 |
| Total domestic deposits to total assets | 87.0169% | 2,511 |
| Equity capital to assets | 10.2208% | 2,448 |
| Core capital (leverage) ratio | 10.1630% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,948,400 | 2,158 |
| Average earning assets | $330,681,000 | 2,182 |
| Average equity | $37,505,000 | 2,177 |
| Average total loans | $246,465,400 | 1,950 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 1,379 |
| Cost of funding earning assets | 0.4437% | 1,396 |
| Net interest margin | 3.6239% | 1,541 |
| Noninterest income to average assets | 0.5026% | 2,612 |
| Noninterest expense to average assets | 1.6448% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1094% | 385 |
| Return on assets (ROA) | 2.1094% | 405 |
| Pretax return on assets | 2.2112% | 532 |
| Return on Equity (ROE) | 20.0011% | 426 |
| Retained earnings to average equity (ytd only) | -0.5224% | 4,614 |
| Net charge-offs to loans | -0.0127% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6558% | 4,640 |
| Assets per employee ($millions) | 8.3517% | 1,112 |
| Cash dividends to net income (ytd only)* | 102.6118% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.7430% | 1,458 |
| Net loans and leases to deposits | 77.1755% | 1,557 |
| Net loans and leases to core deposits | 80.9895% | 1,647 |
| Total domestic deposits to total assets | 86.4820% | 2,565 |
| Equity capital to assets | 10.3267% | 2,595 |
| Core capital (leverage) ratio | 10.4778% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,338,250 | 2,196 |
| Average earning assets | $326,969,000 | 2,219 |
| Average equity | $37,263,750 | 2,214 |
| Average total loans | $241,438,500 | 2,018 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8211% | 2,015 |
| Cost of funding earning assets | 0.4586% | 1,464 |
| Net interest margin | 3.3625% | 2,266 |
| Noninterest income to average assets | 0.5307% | 2,490 |
| Noninterest expense to average assets | 1.6218% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9408% | 545 |
| Return on assets (ROA) | 1.9408% | 564 |
| Pretax return on assets | 2.0343% | 783 |
| Return on Equity (ROE) | 18.2689% | 619 |
| Retained earnings to average equity (ytd only) | -9.3531% | 4,864 |
| Net charge-offs to loans | -0.0017% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3590% | 4,595 |
| Assets per employee ($millions) | 7.8138% | 1,300 |
| Cash dividends to net income (ytd only)* | 151.1972% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 2,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.5155% | 1,262 |
| Net loans and leases to deposits | 80.5480% | 1,375 |
| Net loans and leases to core deposits | 84.7712% | 1,511 |
| Total domestic deposits to total assets | 86.3032% | 2,629 |
| Equity capital to assets | 10.3631% | 2,526 |
| Core capital (leverage) ratio | 10.2047% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,626,333 | 2,210 |
| Average earning assets | $324,047,000 | 2,226 |
| Average equity | $37,035,667 | 2,213 |
| Average total loans | $239,093,667 | 2,038 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4489% | 3,064 |
| Cost of funding earning assets | 0.4805% | 1,515 |
| Net interest margin | 2.9684% | 3,336 |
| Noninterest income to average assets | 0.6269% | 2,099 |
| Noninterest expense to average assets | 1.5579% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7400% | 882 |
| Return on assets (ROA) | 1.7400% | 929 |
| Pretax return on assets | 1.8241% | 1,249 |
| Return on Equity (ROE) | 16.1783% | 982 |
| Retained earnings to average equity (ytd only) | -21.5889% | 4,926 |
| Net charge-offs to loans | -0.0017% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0647% | 4,468 |
| Assets per employee ($millions) | 8.1934% | 1,104 |
| Cash dividends to net income (ytd only)* | 233.4437% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 2,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.6826% | 1,705 |
| Net loans and leases to deposits | 77.0940% | 1,790 |
| Net loans and leases to core deposits | 82.2630% | 1,820 |
| Total domestic deposits to total assets | 86.4951% | 2,525 |
| Equity capital to assets | 10.2626% | 2,468 |
| Core capital (leverage) ratio | 10.3583% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,129,000 | 2,205 |
| Average earning assets | $322,189,000 | 2,211 |
| Average equity | $37,334,000 | 2,190 |
| Average total loans | $234,830,500 | 2,066 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 2,509 |
| Cost of funding earning assets | 0.7445% | 1,486 |
| Net interest margin | 3.3264% | 2,999 |
| Noninterest income to average assets | 0.5690% | 2,339 |
| Noninterest expense to average assets | 1.6923% | 4,629 |
| Loan and lease loss provision to assets | 0.2298% | 1,695 |
| Net operating income to assets | 1.6568% | 563 |
| Return on assets (ROA) | 1.6568% | 605 |
| Pretax return on assets | 1.7367% | 789 |
| Return on Equity (ROE) | 14.6164% | 702 |
| Retained earnings to average equity (ytd only) | 2.4924% | 3,608 |
| Net charge-offs to loans | 0.0068% | 3,099 |
| Credit loss provision to net charge-offs | 4,687.5000% | 225 |
| Earnings coverage of net charge-offs (x) | 401.1250% | 276 |
| Efficiency ratio | 46.2524% | 4,707 |
| Assets per employee ($millions) | 7.7714% | 1,135 |
| Cash dividends to net income (ytd only)* | 82.9480% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,069 |
| Loan loss allowance to noncurrent loans | 2,655.8333% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,182 |
| Noncurrent loans to loans | 0.0518% | 4,085 |
| Net loans and leases to total assets | 66.7811% | 1,980 |
| Net loans and leases to deposits | 78.1623% | 2,054 |
| Net loans and leases to core deposits | 83.5395% | 2,077 |
| Total domestic deposits to total assets | 85.4390% | 2,598 |
| Equity capital to assets | 11.2625% | 2,045 |
| Core capital (leverage) ratio | 10.8268% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,358,400 | 2,153 |
| Average earning assets | $303,153,600 | 2,159 |
| Average equity | $36,992,600 | 2,133 |
| Average total loans | $234,655,800 | 2,000 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 2,727 |
| Cost of funding earning assets | 0.8104% | 1,445 |
| Net interest margin | 3.2697% | 3,281 |
| Noninterest income to average assets | 0.5392% | 2,429 |
| Noninterest expense to average assets | 1.6452% | 4,684 |
| Loan and lease loss provision to assets | 0.2068% | 1,940 |
| Net operating income to assets | 1.6489% | 648 |
| Return on assets (ROA) | 1.6489% | 722 |
| Pretax return on assets | 1.7283% | 910 |
| Return on Equity (ROE) | 14.5227% | 791 |
| Retained earnings to average equity (ytd only) | -0.6227% | 4,571 |
| Net charge-offs to loans | 0.0079% | 2,832 |
| Credit loss provision to net charge-offs | 3,571.4286% | 296 |
| Earnings coverage of net charge-offs (x) | 334.2857% | 328 |
| Efficiency ratio | 45.9522% | 4,712 |
| Assets per employee ($millions) | 7.9766% | 1,004 |
| Cash dividends to net income (ytd only)* | 104.2879% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,600 |
| Loan loss allowance to noncurrent loans | 2,449.1667% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 4,279 |
| Noncurrent loans to loans | 0.0495% | 4,178 |
| Net loans and leases to total assets | 69.8684% | 1,969 |
| Net loans and leases to deposits | 82.1145% | 2,090 |
| Net loans and leases to core deposits | 87.1813% | 2,218 |
| Total domestic deposits to total assets | 85.0865% | 2,403 |
| Equity capital to assets | 10.9262% | 2,446 |
| Core capital (leverage) ratio | 10.8703% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,462,750 | 2,156 |
| Average earning assets | $299,916,750 | 2,153 |
| Average equity | $36,613,000 | 2,132 |
| Average total loans | $235,435,000 | 1,996 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 2,564 |
| Cost of funding earning assets | 0.9005% | 1,374 |
| Net interest margin | 3.3633% | 3,212 |
| Noninterest income to average assets | 0.4943% | 2,599 |
| Noninterest expense to average assets | 1.6957% | 4,688 |
| Loan and lease loss provision to assets | 0.1584% | 2,414 |
| Net operating income to assets | 1.6944% | 627 |
| Return on assets (ROA) | 1.6944% | 680 |
| Pretax return on assets | 1.7762% | 851 |
| Return on Equity (ROE) | 14.7225% | 753 |
| Retained earnings to average equity (ytd only) | -6.2160% | 4,819 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7097% | 4,691 |
| Assets per employee ($millions) | 7.7788% | 1,045 |
| Cash dividends to net income (ytd only)* | 142.2214% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,027 |
| Loan loss allowance to noncurrent loans | 398.0854% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 3,523 |
| Noncurrent loans to loans | 0.2774% | 3,388 |
| Net loans and leases to total assets | 72.3627% | 1,642 |
| Net loans and leases to deposits | 85.1549% | 1,865 |
| Net loans and leases to core deposits | 92.0233% | 1,900 |
| Total domestic deposits to total assets | 84.9777% | 2,409 |
| Equity capital to assets | 10.9316% | 2,407 |
| Core capital (leverage) ratio | 10.8190% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,619,667 | 2,171 |
| Average earning assets | $294,295,333 | 2,161 |
| Average equity | $36,325,333 | 2,138 |
| Average total loans | $233,052,667 | 1,995 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 2,428 |
| Cost of funding earning assets | 1.0431% | 1,245 |
| Net interest margin | 3.4149% | 3,254 |
| Noninterest income to average assets | 0.3553% | 3,395 |
| Noninterest expense to average assets | 1.7545% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7049% | 513 |
| Return on assets (ROA) | 1.7049% | 562 |
| Pretax return on assets | 1.7872% | 722 |
| Return on Equity (ROE) | 14.4177% | 623 |
| Retained earnings to average equity (ytd only) | -24.5267% | 5,003 |
| Net charge-offs to loans | 0.0018% | 2,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1,368.0000% | 35 |
| Efficiency ratio | 49.5389% | 4,695 |
| Assets per employee ($millions) | 6.9223% | 1,129 |
| Cash dividends to net income (ytd only)* | 270.1149% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,391 |
| Loan loss allowance to noncurrent loans | 1,417.3410% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 4,316 |
| Noncurrent loans to loans | 0.0750% | 4,218 |
| Net loans and leases to total assets | 73.2552% | 1,738 |
| Net loans and leases to deposits | 87.4215% | 1,814 |
| Net loans and leases to core deposits | 97.4546% | 1,685 |
| Total domestic deposits to total assets | 83.7953% | 2,856 |
| Equity capital to assets | 11.1967% | 2,682 |
| Core capital (leverage) ratio | 11.2311% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,184,500 | 2,165 |
| Average earning assets | $285,685,500 | 2,161 |
| Average equity | $36,205,500 | 2,135 |
| Average total loans | $227,204,500 | 2,006 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 2,587 |
| Cost of funding earning assets | 1.0724% | 1,425 |
| Net interest margin | 3.5331% | 3,335 |
| Noninterest income to average assets | 0.5097% | 2,681 |
| Noninterest expense to average assets | 1.6671% | 4,905 |
| Loan and lease loss provision to assets | 0.0692% | 2,622 |
| Net operating income to assets | 1.9698% | 383 |
| Return on assets (ROA) | 1.9698% | 398 |
| Pretax return on assets | 2.0563% | 526 |
| Return on Equity (ROE) | 15.7664% | 568 |
| Retained earnings to average equity (ytd only) | 2.0536% | 3,971 |
| Net charge-offs to loans | -0.0121% | 4,520 |
| Credit loss provision to net charge-offs | -740.7407% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9565% | 4,980 |
| Assets per employee ($millions) | 6.6859% | 1,189 |
| Cash dividends to net income (ytd only)* | 86.9749% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 2,973 |
| Loan loss allowance to noncurrent loans | 20,441.6667% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,667 |
| Noncurrent loans to loans | 0.0054% | 4,582 |
| Net loans and leases to total assets | 73.5583% | 1,828 |
| Net loans and leases to deposits | 89.2531% | 1,669 |
| Net loans and leases to core deposits | 99.1430% | 1,636 |
| Total domestic deposits to total assets | 82.4154% | 3,393 |
| Equity capital to assets | 12.4750% | 1,832 |
| Core capital (leverage) ratio | 12.2613% | 1,619 |
| Tier 1 risk-based capital ratio | 14.8798% | 2,831 |
| Total risk-based capital ratio | 15.8805% | 2,852 |
| Memoranda: | ||
| Average total assets | $288,817,400 | 2,232 |
| Average earning assets | $268,373,200 | 2,223 |
| Average equity | $36,083,000 | 2,093 |
| Average total loans | $222,721,000 | 2,011 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 2,697 |
| Cost of funding earning assets | 1.0512% | 1,533 |
| Net interest margin | 3.5567% | 3,381 |
| Noninterest income to average assets | 0.5682% | 2,364 |
| Noninterest expense to average assets | 1.6482% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1305% | 306 |
| Return on assets (ROA) | 2.1305% | 320 |
| Pretax return on assets | 2.2220% | 436 |
| Return on Equity (ROE) | 17.0467% | 470 |
| Retained earnings to average equity (ytd only) | 0.1083% | 4,740 |
| Net charge-offs to loans | -0.0156% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5868% | 5,059 |
| Assets per employee ($millions) | 7.2218% | 946 |
| Cash dividends to net income (ytd only)* | 99.3651% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,635 |
| Loan loss allowance to noncurrent loans | 2,345.8333% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,566 |
| Noncurrent loans to loans | 0.0421% | 4,463 |
| Net loans and leases to total assets | 76.1728% | 1,447 |
| Net loans and leases to deposits | 93.3968% | 1,280 |
| Net loans and leases to core deposits | 102.4739% | 1,459 |
| Total domestic deposits to total assets | 81.5582% | 3,599 |
| Equity capital to assets | 12.4683% | 1,936 |
| Core capital (leverage) ratio | 12.3118% | 1,676 |
| Tier 1 risk-based capital ratio | 14.5813% | 3,033 |
| Total risk-based capital ratio | 15.4995% | 3,102 |
| Memoranda: | ||
| Average total assets | $285,805,250 | 2,259 |
| Average earning assets | $265,329,750 | 2,255 |
| Average equity | $35,720,500 | 2,121 |
| Average total loans | $222,460,000 | 2,021 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 2,752 |
| Cost of funding earning assets | 1.0027% | 1,684 |
| Net interest margin | 3.5721% | 3,360 |
| Noninterest income to average assets | 0.3435% | 3,643 |
| Noninterest expense to average assets | 1.6729% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9081% | 471 |
| Return on assets (ROA) | 1.9081% | 493 |
| Pretax return on assets | 1.9988% | 677 |
| Return on Equity (ROE) | 15.2542% | 714 |
| Retained earnings to average equity (ytd only) | -8.2273% | 5,137 |
| Net charge-offs to loans | -0.0227% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5633% | 5,005 |
| Assets per employee ($millions) | 7.0283% | 987 |
| Cash dividends to net income (ytd only)* | 153.9347% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,622 |
| Loan loss allowance to noncurrent loans | 246.2801% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 3,268 |
| Noncurrent loans to loans | 0.4060% | 3,082 |
| Net loans and leases to total assets | 77.3371% | 1,339 |
| Net loans and leases to deposits | 94.7046% | 1,182 |
| Net loans and leases to core deposits | 103.7872% | 1,402 |
| Total domestic deposits to total assets | 81.6614% | 3,612 |
| Equity capital to assets | 12.2660% | 2,010 |
| Core capital (leverage) ratio | 12.2184% | 1,688 |
| Tier 1 risk-based capital ratio | 14.0628% | 3,289 |
| Total risk-based capital ratio | 14.9863% | 3,357 |
| Memoranda: | ||
| Average total assets | $282,375,670 | 2,283 |
| Average earning assets | $263,093,670 | 2,280 |
| Average equity | $35,321,330 | 2,127 |
| Average total loans | $220,681,670 | 2,043 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 2,802 |
| Cost of funding earning assets | 0.9508% | 1,788 |
| Net interest margin | 3.5687% | 3,367 |
| Noninterest income to average assets | 0.3392% | 3,590 |
| Noninterest expense to average assets | 1.6373% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9422% | 426 |
| Return on assets (ROA) | 1.9422% | 441 |
| Pretax return on assets | 2.0323% | 606 |
| Return on Equity (ROE) | 15.3729% | 685 |
| Retained earnings to average equity (ytd only) | -24.5603% | 5,288 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6178% | 5,086 |
| Assets per employee ($millions) | 6.8486% | 1,065 |
| Cash dividends to net income (ytd only)* | 259.7642% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,657 |
| Loan loss allowance to noncurrent loans | 4,047.2727% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,765 |
| Noncurrent loans to loans | 0.0249% | 4,670 |
| Net loans and leases to total assets | 78.0042% | 1,147 |
| Net loans and leases to deposits | 94.0132% | 1,176 |
| Net loans and leases to core deposits | 101.0659% | 1,533 |
| Total domestic deposits to total assets | 82.9715% | 3,400 |
| Equity capital to assets | 12.2556% | 1,872 |
| Core capital (leverage) ratio | 12.1845% | 1,675 |
| Tier 1 risk-based capital ratio | 14.1423% | 3,279 |
| Total risk-based capital ratio | 15.0802% | 3,349 |
| Memoranda: | ||
| Average total assets | $279,482,500 | 2,317 |
| Average earning assets | $260,820,000 | 2,309 |
| Average equity | $35,309,000 | 2,128 |
| Average total loans | $218,469,000 | 2,071 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,801 |
| Cost of funding earning assets | 0.7202% | 1,956 |
| Net interest margin | 3.6677% | 3,167 |
| Noninterest income to average assets | 0.3290% | 3,904 |
| Noninterest expense to average assets | 1.6904% | 5,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9747% | 381 |
| Return on assets (ROA) | 1.9747% | 379 |
| Pretax return on assets | 2.0773% | 463 |
| Return on Equity (ROE) | 15.2651% | 772 |
| Retained earnings to average equity (ytd only) | -0.1303% | 5,004 |
| Net charge-offs to loans | -0.0162% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8658% | 5,156 |
| Assets per employee ($millions) | 6.7847% | 1,075 |
| Cash dividends to net income (ytd only)* | 100.8534% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 3,488 |
| Loan loss allowance to noncurrent loans | 2,248.4848% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 4,666 |
| Noncurrent loans to loans | 0.0459% | 4,538 |
| Net loans and leases to total assets | 76.7352% | 1,481 |
| Net loans and leases to deposits | 93.2872% | 1,358 |
| Net loans and leases to core deposits | 99.4326% | 1,761 |
| Total domestic deposits to total assets | 82.2570% | 3,568 |
| Equity capital to assets | 13.0154% | 1,339 |
| Core capital (leverage) ratio | 13.0104% | 1,247 |
| Tier 1 risk-based capital ratio | 15.3600% | 2,676 |
| Total risk-based capital ratio | 16.3169% | 2,732 |
| Memoranda: | ||
| Average total assets | $272,946,200 | 2,310 |
| Average earning assets | $255,909,200 | 2,294 |
| Average equity | $35,309,200 | 2,061 |
| Average total loans | $210,368,600 | 2,092 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,840 |
| Cost of funding earning assets | 0.6745% | 2,005 |
| Net interest margin | 3.6584% | 3,176 |
| Noninterest income to average assets | 0.3323% | 3,930 |
| Noninterest expense to average assets | 1.6728% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9913% | 388 |
| Return on assets (ROA) | 1.9913% | 382 |
| Pretax return on assets | 2.0964% | 484 |
| Return on Equity (ROE) | 15.4173% | 800 |
| Retained earnings to average equity (ytd only) | -3.4695% | 5,270 |
| Net charge-offs to loans | -0.0236% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3808% | 5,204 |
| Assets per employee ($millions) | 6.4812% | 1,191 |
| Cash dividends to net income (ytd only)* | 122.5043% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 3,562 |
| Loan loss allowance to noncurrent loans | 863.9535% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,502 |
| Noncurrent loans to loans | 0.1197% | 4,357 |
| Net loans and leases to total assets | 78.3601% | 1,288 |
| Net loans and leases to deposits | 95.3681% | 1,226 |
| Net loans and leases to core deposits | 100.4952% | 1,742 |
| Total domestic deposits to total assets | 82.1660% | 3,560 |
| Equity capital to assets | 12.8812% | 1,388 |
| Core capital (leverage) ratio | 13.0837% | 1,243 |
| Tier 1 risk-based capital ratio | 14.9740% | 2,893 |
| Total risk-based capital ratio | 15.9313% | 2,955 |
| Memoranda: | ||
| Average total assets | $271,640,000 | 2,328 |
| Average earning assets | $255,188,750 | 2,310 |
| Average equity | $35,085,250 | 2,073 |
| Average total loans | $209,040,500 | 2,106 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,820 |
| Cost of funding earning assets | 0.6293% | 2,050 |
| Net interest margin | 3.6547% | 3,098 |
| Noninterest income to average assets | 0.3109% | 4,097 |
| Noninterest expense to average assets | 1.6659% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9937% | 387 |
| Return on assets (ROA) | 1.9937% | 384 |
| Pretax return on assets | 2.0895% | 501 |
| Return on Equity (ROE) | 15.4222% | 771 |
| Retained earnings to average equity (ytd only) | -10.3612% | 5,422 |
| Net charge-offs to loans | -0.0135% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3594% | 5,270 |
| Assets per employee ($millions) | 6.3448% | 1,243 |
| Cash dividends to net income (ytd only)* | 167.1840% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,466 |
| Loan loss allowance to noncurrent loans | 865.0980% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,534 |
| Noncurrent loans to loans | 0.1229% | 4,358 |
| Net loans and leases to total assets | 77.0048% | 1,467 |
| Net loans and leases to deposits | 92.9665% | 1,479 |
| Net loans and leases to core deposits | 98.0871% | 1,887 |
| Total domestic deposits to total assets | 82.8307% | 3,458 |
| Equity capital to assets | 12.9345% | 1,331 |
| Core capital (leverage) ratio | 12.7426% | 1,331 |
| Tier 1 risk-based capital ratio | 15.0365% | 2,857 |
| Total risk-based capital ratio | 16.0132% | 2,913 |
| Memoranda: | ||
| Average total assets | $271,450,000 | 2,341 |
| Average earning assets | $255,838,000 | 2,314 |
| Average equity | $35,092,330 | 2,084 |
| Average total loans | $206,876,330 | 2,132 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 2,826 |
| Cost of funding earning assets | 0.5730% | 2,231 |
| Net interest margin | 3.6457% | 3,006 |
| Noninterest income to average assets | 0.2935% | 4,201 |
| Noninterest expense to average assets | 1.6121% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0209% | 357 |
| Return on assets (ROA) | 2.0209% | 357 |
| Pretax return on assets | 2.1188% | 443 |
| Return on Equity (ROE) | 15.6364% | 679 |
| Retained earnings to average equity (ytd only) | -26.7311% | 5,543 |
| Net charge-offs to loans | -0.0252% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2094% | 5,369 |
| Assets per employee ($millions) | 6.5042% | 1,196 |
| Cash dividends to net income (ytd only)* | 270.9538% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,697 |
| Loan loss allowance to noncurrent loans | 1,040.0943% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,700 |
| Noncurrent loans to loans | 0.1004% | 4,521 |
| Net loans and leases to total assets | 76.4833% | 1,463 |
| Net loans and leases to deposits | 90.0283% | 1,688 |
| Net loans and leases to core deposits | 94.6920% | 2,081 |
| Total domestic deposits to total assets | 84.9548% | 2,949 |
| Equity capital to assets | 12.4330% | 1,523 |
| Core capital (leverage) ratio | 12.4314% | 1,423 |
| Tier 1 risk-based capital ratio | 14.4934% | 3,124 |
| Total risk-based capital ratio | 15.4498% | 3,198 |
| Memoranda: | ||
| Average total assets | $273,934,000 | 2,343 |
| Average earning assets | $258,279,000 | 2,303 |
| Average equity | $35,404,500 | 2,079 |
| Average total loans | $206,609,500 | 2,144 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 2,934 |
| Cost of funding earning assets | 0.4473% | 2,805 |
| Net interest margin | 3.6873% | 2,846 |
| Noninterest income to average assets | 0.3345% | 4,074 |
| Noninterest expense to average assets | 1.6831% | 5,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.0131% | 277 |
| Return on assets (ROA) | 2.0131% | 281 |
| Pretax return on assets | 2.1096% | 389 |
| Return on Equity (ROE) | 15.1310% | 591 |
| Retained earnings to average equity (ytd only) | -1.0519% | 5,194 |
| Net charge-offs to loans | 0.0124% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 236.7917% | 352 |
| Efficiency ratio | 44.3770% | 5,440 |
| Assets per employee ($millions) | 6.5403% | 1,191 |
| Cash dividends to net income (ytd only)* | 106.9519% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,425 |
| Loan loss allowance to noncurrent loans | 1,361.4907% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,835 |
| Noncurrent loans to loans | 0.0797% | 4,639 |
| Net loans and leases to total assets | 72.7680% | 2,123 |
| Net loans and leases to deposits | 86.5503% | 2,188 |
| Net loans and leases to core deposits | 91.1029% | 2,450 |
| Total domestic deposits to total assets | 84.0760% | 3,173 |
| Equity capital to assets | 13.4132% | 1,093 |
| Core capital (leverage) ratio | 13.3185% | 1,033 |
| Tier 1 risk-based capital ratio | 15.8822% | 2,476 |
| Total risk-based capital ratio | 16.8552% | 2,524 |
| Memoranda: | ||
| Average total assets | $269,388,400 | 2,353 |
| Average earning assets | $252,653,200 | 2,331 |
| Average equity | $35,840,400 | 2,032 |
| Average total loans | $192,815,600 | 2,222 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 2,979 |
| Cost of funding earning assets | 0.4359% | 2,850 |
| Net interest margin | 3.6651% | 2,893 |
| Noninterest income to average assets | 0.3293% | 4,181 |
| Noninterest expense to average assets | 1.6817% | 5,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9861% | 325 |
| Return on assets (ROA) | 1.9861% | 330 |
| Pretax return on assets | 2.0811% | 466 |
| Return on Equity (ROE) | 14.9592% | 655 |
| Retained earnings to average equity (ytd only) | -5.0351% | 5,543 |
| Net charge-offs to loans | 0.0203% | 3,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 144.2599% | 554 |
| Efficiency ratio | 44.6927% | 5,461 |
| Assets per employee ($millions) | 6.2428% | 1,346 |
| Cash dividends to net income (ytd only)* | 133.6588% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,367 |
| Loan loss allowance to noncurrent loans | 279.3103% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 3,895 |
| Noncurrent loans to loans | 0.4018% | 3,501 |
| Net loans and leases to total assets | 71.7719% | 2,287 |
| Net loans and leases to deposits | 83.7809% | 2,583 |
| Net loans and leases to core deposits | 87.9380% | 2,778 |
| Total domestic deposits to total assets | 85.6662% | 2,448 |
| Equity capital to assets | 13.4696% | 1,172 |
| Core capital (leverage) ratio | 13.1655% | 1,143 |
| Tier 1 risk-based capital ratio | 15.9188% | 2,541 |
| Total risk-based capital ratio | 16.9189% | 2,586 |
| Memoranda: | ||
| Average total assets | $268,062,500 | 2,375 |
| Average earning assets | $251,121,000 | 2,362 |
| Average equity | $35,589,250 | 2,051 |
| Average total loans | $190,499,500 | 2,247 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 2,946 |
| Cost of funding earning assets | 0.4290% | 2,814 |
| Net interest margin | 3.6391% | 2,881 |
| Noninterest income to average assets | 0.3232% | 4,241 |
| Noninterest expense to average assets | 1.7101% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9333% | 350 |
| Return on assets (ROA) | 1.9333% | 359 |
| Pretax return on assets | 2.0259% | 507 |
| Return on Equity (ROE) | 14.6329% | 716 |
| Retained earnings to average equity (ytd only) | -12.9775% | 5,687 |
| Net charge-offs to loans | 0.0339% | 2,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 84.8125% | 737 |
| Efficiency ratio | 45.7742% | 5,469 |
| Assets per employee ($millions) | 5.9666% | 1,490 |
| Cash dividends to net income (ytd only)* | 188.6873% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,345 |
| Loan loss allowance to noncurrent loans | 261.8705% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 3,853 |
| Noncurrent loans to loans | 0.4371% | 3,445 |
| Net loans and leases to total assets | 71.8388% | 2,227 |
| Net loans and leases to deposits | 83.8028% | 2,511 |
| Net loans and leases to core deposits | 87.8422% | 2,714 |
| Total domestic deposits to total assets | 85.7236% | 2,518 |
| Equity capital to assets | 13.4506% | 1,166 |
| Core capital (leverage) ratio | 12.7632% | 1,269 |
| Tier 1 risk-based capital ratio | 16.0011% | 2,508 |
| Total risk-based capital ratio | 17.0332% | 2,526 |
| Memoranda: | ||
| Average total assets | $267,936,000 | 2,386 |
| Average earning assets | $251,267,670 | 2,370 |
| Average equity | $35,399,670 | 2,056 |
| Average total loans | $189,048,330 | 2,268 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 3,359 |
| Cost of funding earning assets | 0.4175% | 2,833 |
| Net interest margin | 3.4957% | 3,289 |
| Noninterest income to average assets | 0.3532% | 4,014 |
| Noninterest expense to average assets | 1.6953% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8608% | 396 |
| Return on assets (ROA) | 1.8608% | 412 |
| Pretax return on assets | 1.9495% | 558 |
| Return on Equity (ROE) | 14.2085% | 764 |
| Retained earnings to average equity (ytd only) | -32.3444% | 5,797 |
| Net charge-offs to loans | 0.0213% | 2,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 131.9000% | 415 |
| Efficiency ratio | 46.5126% | 5,511 |
| Assets per employee ($millions) | 6.6088% | 1,132 |
| Cash dividends to net income (ytd only)* | 327.6410% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 3,325 |
| Loan loss allowance to noncurrent loans | 81.5225% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 1,823 |
| Noncurrent loans to loans | 1.4311% | 1,411 |
| Net loans and leases to total assets | 68.9700% | 2,537 |
| Net loans and leases to deposits | 80.2805% | 2,713 |
| Net loans and leases to core deposits | 84.0493% | 2,894 |
| Total domestic deposits to total assets | 85.9112% | 2,707 |
| Equity capital to assets | 12.5912% | 1,471 |
| Core capital (leverage) ratio | 12.5259% | 1,327 |
| Tier 1 risk-based capital ratio | 15.5750% | 2,724 |
| Total risk-based capital ratio | 16.6071% | 2,744 |
| Memoranda: | ||
| Average total assets | $270,638,500 | 2,392 |
| Average earning assets | $254,827,000 | 2,358 |
| Average equity | $35,443,500 | 2,062 |
| Average total loans | $188,181,000 | 2,289 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,152 |
| Cost of funding earning assets | 0.4174% | 2,832 |
| Net interest margin | 3.5952% | 3,079 |
| Noninterest income to average assets | 0.3371% | 4,326 |
| Noninterest expense to average assets | 1.6536% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9693% | 340 |
| Return on assets (ROA) | 1.9693% | 363 |
| Pretax return on assets | 2.0637% | 434 |
| Return on Equity (ROE) | 14.4493% | 707 |
| Retained earnings to average equity (ytd only) | -0.7037% | 5,411 |
| Net charge-offs to loans | -0.0248% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4830% | 5,681 |
| Assets per employee ($millions) | 6.5931% | 1,104 |
| Cash dividends to net income (ytd only)* | 104.8698% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,220 |
| Loan loss allowance to noncurrent loans | 96.3060% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 2,216 |
| Noncurrent loans to loans | 1.2287% | 1,673 |
| Net loans and leases to total assets | 68.4600% | 2,705 |
| Net loans and leases to deposits | 80.5634% | 2,832 |
| Net loans and leases to core deposits | 84.7837% | 2,946 |
| Total domestic deposits to total assets | 84.9765% | 3,057 |
| Equity capital to assets | 13.6025% | 1,010 |
| Core capital (leverage) ratio | 13.4243% | 994 |
| Tier 1 risk-based capital ratio | 16.9225% | 2,178 |
| Total risk-based capital ratio | 17.9596% | 2,205 |
| Memoranda: | ||
| Average total assets | $271,113,600 | 2,352 |
| Average earning assets | $254,897,000 | 2,320 |
| Average equity | $36,949,800 | 1,977 |
| Average total loans | $189,733,400 | 2,211 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,175 |
| Cost of funding earning assets | 0.4188% | 2,849 |
| Net interest margin | 3.5950% | 3,092 |
| Noninterest income to average assets | 0.3376% | 4,366 |
| Noninterest expense to average assets | 1.6871% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9406% | 378 |
| Return on assets (ROA) | 1.9406% | 397 |
| Pretax return on assets | 2.0340% | 531 |
| Return on Equity (ROE) | 14.2323% | 780 |
| Retained earnings to average equity (ytd only) | -4.3645% | 5,711 |
| Net charge-offs to loans | -0.0392% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3381% | 5,697 |
| Assets per employee ($millions) | 6.5854% | 1,056 |
| Cash dividends to net income (ytd only)* | 130.6661% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,444 |
| Loan loss allowance to noncurrent loans | 162.2903% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 3,289 |
| Noncurrent loans to loans | 0.7186% | 2,877 |
| Net loans and leases to total assets | 69.8351% | 2,512 |
| Net loans and leases to deposits | 82.6080% | 2,651 |
| Net loans and leases to core deposits | 86.7220% | 2,886 |
| Total domestic deposits to total assets | 84.5379% | 3,013 |
| Equity capital to assets | 13.8554% | 1,096 |
| Core capital (leverage) ratio | 13.3735% | 1,041 |
| Tier 1 risk-based capital ratio | 16.4585% | 2,431 |
| Total risk-based capital ratio | 17.4987% | 2,481 |
| Memoranda: | ||
| Average total assets | $271,312,750 | 2,364 |
| Average earning assets | $255,348,500 | 2,327 |
| Average equity | $36,994,750 | 1,989 |
| Average total loans | $190,348,000 | 2,208 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,227 |
| Cost of funding earning assets | 0.4206% | 2,829 |
| Net interest margin | 3.5848% | 3,159 |
| Noninterest income to average assets | 0.3032% | 4,624 |
| Noninterest expense to average assets | 1.7295% | 5,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8708% | 417 |
| Return on assets (ROA) | 1.8708% | 439 |
| Pretax return on assets | 1.9606% | 620 |
| Return on Equity (ROE) | 13.7941% | 869 |
| Retained earnings to average equity (ytd only) | -11.8243% | 5,902 |
| Net charge-offs to loans | -0.0578% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8688% | 5,716 |
| Assets per employee ($millions) | 6.7281% | 985 |
| Cash dividends to net income (ytd only)* | 185.7199% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,560 |
| Loan loss allowance to noncurrent loans | 146.9927% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 3,163 |
| Noncurrent loans to loans | 0.7920% | 2,765 |
| Net loans and leases to total assets | 71.9549% | 2,179 |
| Net loans and leases to deposits | 85.2940% | 2,322 |
| Net loans and leases to core deposits | 89.6196% | 2,575 |
| Total domestic deposits to total assets | 84.3610% | 3,133 |
| Equity capital to assets | 14.0304% | 1,013 |
| Core capital (leverage) ratio | 12.8719% | 1,203 |
| Tier 1 risk-based capital ratio | 16.0661% | 2,611 |
| Total risk-based capital ratio | 17.1097% | 2,646 |
| Memoranda: | ||
| Average total assets | $271,749,330 | 2,366 |
| Average earning assets | $256,751,330 | 2,322 |
| Average equity | $36,856,330 | 2,001 |
| Average total loans | $190,203,330 | 2,208 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,456 |
| Cost of funding earning assets | 0.4209% | 2,853 |
| Net interest margin | 3.5124% | 3,421 |
| Noninterest income to average assets | 0.2909% | 4,646 |
| Noninterest expense to average assets | 1.7437% | 5,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7828% | 483 |
| Return on assets (ROA) | 1.7828% | 516 |
| Pretax return on assets | 1.8681% | 739 |
| Return on Equity (ROE) | 13.3633% | 951 |
| Retained earnings to average equity (ytd only) | -27.3124% | 6,012 |
| Net charge-offs to loans | -0.0358% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2772% | 5,712 |
| Assets per employee ($millions) | 7.0722% | 864 |
| Cash dividends to net income (ytd only)* | 304.3831% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,786 |
| Loan loss allowance to noncurrent loans | 344.7950% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 4,487 |
| Noncurrent loans to loans | 0.3327% | 4,243 |
| Net loans and leases to total assets | 68.2947% | 2,612 |
| Net loans and leases to deposits | 80.7517% | 2,700 |
| Net loans and leases to core deposits | 85.3552% | 2,808 |
| Total domestic deposits to total assets | 84.5737% | 3,288 |
| Equity capital to assets | 12.9442% | 1,435 |
| Core capital (leverage) ratio | 12.4299% | 1,364 |
| Tier 1 risk-based capital ratio | 15.8151% | 2,774 |
| Total risk-based capital ratio | 16.8349% | 2,803 |
| Memoranda: | ||
| Average total assets | $276,426,500 | 2,335 |
| Average earning assets | $261,363,000 | 2,293 |
| Average equity | $36,877,000 | 1,995 |
| Average total loans | $189,790,000 | 2,215 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 2,607 |
| Cost of funding earning assets | 0.4469% | 2,659 |
| Net interest margin | 3.7387% | 2,611 |
| Noninterest income to average assets | 0.3722% | 4,247 |
| Noninterest expense to average assets | 1.6885% | 5,850 |
| Loan and lease loss provision to assets | 0.0381% | 3,578 |
| Net operating income to assets | 2.0806% | 303 |
| Return on assets (ROA) | 2.0820% | 310 |
| Pretax return on assets | 2.1620% | 376 |
| Return on Equity (ROE) | 15.1413% | 665 |
| Retained earnings to average equity (ytd only) | 6.9632% | 1,296 |
| Net charge-offs to loans | -0.0080% | 5,058 |
| Credit loss provision to net charge-offs | -666.6667% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4404% | 5,994 |
| Assets per employee ($millions) | 6.7570% | 984 |
| Cash dividends to net income (ytd only)* | 54.0121% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 3,769 |
| Loan loss allowance to noncurrent loans | 372.0412% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 4,598 |
| Noncurrent loans to loans | 0.3084% | 4,354 |
| Net loans and leases to total assets | 67.4485% | 2,791 |
| Net loans and leases to deposits | 81.3013% | 2,677 |
| Net loans and leases to core deposits | 86.1859% | 2,780 |
| Total domestic deposits to total assets | 82.9612% | 3,844 |
| Equity capital to assets | 13.7353% | 1,027 |
| Core capital (leverage) ratio | 13.2737% | 1,054 |
| Tier 1 risk-based capital ratio | 17.0327% | 2,269 |
| Total risk-based capital ratio | 18.0472% | 2,315 |
| Memoranda: | ||
| Average total assets | $262,771,200 | 2,402 |
| Average earning assets | $247,037,800 | 2,368 |
| Average equity | $36,133,000 | 1,976 |
| Average total loans | $188,140,600 | 2,176 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2352% | 2,460 |
| Cost of funding earning assets | 0.4498% | 2,685 |
| Net interest margin | 3.7854% | 2,441 |
| Noninterest income to average assets | 0.4043% | 4,056 |
| Noninterest expense to average assets | 1.7746% | 5,814 |
| Loan and lease loss provision to assets | 0.0514% | 3,173 |
| Net operating income to assets | 2.0263% | 349 |
| Return on assets (ROA) | 2.0282% | 365 |
| Pretax return on assets | 2.1347% | 473 |
| Return on Equity (ROE) | 14.7454% | 762 |
| Retained earnings to average equity (ytd only) | 5.2841% | 2,733 |
| Net charge-offs to loans | -0.0177% | 5,163 |
| Credit loss provision to net charge-offs | -400.0000% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8285% | 6,011 |
| Assets per employee ($millions) | 6.9616% | 888 |
| Cash dividends to net income (ytd only)* | 64.1644% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 4,036 |
| Loan loss allowance to noncurrent loans | 587.3315% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 5,054 |
| Noncurrent loans to loans | 0.1931% | 4,872 |
| Net loans and leases to total assets | 69.9791% | 2,388 |
| Net loans and leases to deposits | 84.7187% | 2,315 |
| Net loans and leases to core deposits | 89.7864% | 2,488 |
| Total domestic deposits to total assets | 82.6017% | 3,953 |
| Equity capital to assets | 13.4517% | 1,251 |
| Core capital (leverage) ratio | 13.2635% | 1,106 |
| Tier 1 risk-based capital ratio | 16.4258% | 2,615 |
| Total risk-based capital ratio | 17.4394% | 2,673 |
| Memoranda: | ||
| Average total assets | $259,204,500 | 2,450 |
| Average earning assets | $243,383,250 | 2,410 |
| Average equity | $35,653,250 | 2,009 |
| Average total loans | $187,919,000 | 2,191 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,361 |
| Cost of funding earning assets | 0.4543% | 2,674 |
| Net interest margin | 3.7949% | 2,335 |
| Noninterest income to average assets | 0.4288% | 3,864 |
| Noninterest expense to average assets | 1.7068% | 5,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1701% | 272 |
| Return on assets (ROA) | 2.1701% | 288 |
| Pretax return on assets | 2.2846% | 346 |
| Return on Equity (ROE) | 15.6545% | 650 |
| Retained earnings to average equity (ytd only) | 3.5517% | 3,767 |
| Net charge-offs to loans | -0.1094% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7617% | 6,153 |
| Assets per employee ($millions) | 6.5792% | 1,020 |
| Cash dividends to net income (ytd only)* | 77.3121% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 4,218 |
| Loan loss allowance to noncurrent loans | 395.5963% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 4,848 |
| Noncurrent loans to loans | 0.2835% | 4,662 |
| Net loans and leases to total assets | 74.0843% | 1,651 |
| Net loans and leases to deposits | 90.1372% | 1,580 |
| Net loans and leases to core deposits | 95.8546% | 1,815 |
| Total domestic deposits to total assets | 82.1907% | 4,232 |
| Equity capital to assets | 13.7309% | 1,083 |
| Core capital (leverage) ratio | 13.5961% | 961 |
| Tier 1 risk-based capital ratio | 16.2232% | 2,747 |
| Total risk-based capital ratio | 17.2362% | 2,822 |
| Memoranda: | ||
| Average total assets | $255,104,670 | 2,498 |
| Average earning assets | $239,478,670 | 2,463 |
| Average equity | $35,363,670 | 2,032 |
| Average total loans | $186,500,330 | 2,214 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 2,596 |
| Cost of funding earning assets | 0.4556% | 2,714 |
| Net interest margin | 3.7066% | 2,597 |
| Noninterest income to average assets | 0.4906% | 3,344 |
| Noninterest expense to average assets | 1.9217% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9468% | 375 |
| Return on assets (ROA) | 1.9468% | 396 |
| Pretax return on assets | 2.0490% | 541 |
| Return on Equity (ROE) | 13.9771% | 883 |
| Retained earnings to average equity (ytd only) | -1.3774% | 5,599 |
| Net charge-offs to loans | 0.0044% | 3,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 651.5000% | 77 |
| Efficiency ratio | 48.3960% | 6,000 |
| Assets per employee ($millions) | 7.2296% | 767 |
| Cash dividends to net income (ytd only)* | 109.8546% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 4,496 |
| Loan loss allowance to noncurrent loans | 436.5957% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 4,964 |
| Noncurrent loans to loans | 0.2530% | 4,884 |
| Net loans and leases to total assets | 70.5883% | 2,058 |
| Net loans and leases to deposits | 85.7076% | 1,870 |
| Net loans and leases to core deposits | 90.1802% | 2,110 |
| Total domestic deposits to total assets | 82.3595% | 4,395 |
| Equity capital to assets | 13.6419% | 1,111 |
| Core capital (leverage) ratio | 13.5765% | 944 |
| Tier 1 risk-based capital ratio | 16.2985% | 2,778 |
| Total risk-based capital ratio | 17.2886% | 2,838 |
| Memoranda: | ||
| Average total assets | $254,362,000 | 2,518 |
| Average earning assets | $238,816,500 | 2,480 |
| Average equity | $35,429,500 | 2,039 |
| Average total loans | $183,626,000 | 2,247 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,362 |
| Cost of funding earning assets | 0.5195% | 2,493 |
| Net interest margin | 3.8431% | 2,454 |
| Noninterest income to average assets | 0.3369% | 4,700 |
| Noninterest expense to average assets | 1.6795% | 6,176 |
| Loan and lease loss provision to assets | 0.1427% | 1,863 |
| Net operating income to assets | 1.9797% | 338 |
| Return on assets (ROA) | 1.9797% | 351 |
| Pretax return on assets | 2.0837% | 428 |
| Return on Equity (ROE) | 14.6600% | 833 |
| Retained earnings to average equity (ytd only) | 7.0673% | 1,376 |
| Net charge-offs to loans | 0.2127% | 1,969 |
| Credit loss provision to net charge-offs | 92.5926% | 2,588 |
| Earnings coverage of net charge-offs (x) | 14.4418% | 2,164 |
| Efficiency ratio | 42.9989% | 6,348 |
| Assets per employee ($millions) | 6.2115% | 1,241 |
| Cash dividends to net income (ytd only)* | 51.7923% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 4,382 |
| Loan loss allowance to noncurrent loans | 1,001.9512% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 5,030 |
| Noncurrent loans to loans | 0.1130% | 5,439 |
| Net loans and leases to total assets | 72.2169% | 1,870 |
| Net loans and leases to deposits | 88.4340% | 1,684 |
| Net loans and leases to core deposits | 92.0248% | 2,083 |
| Total domestic deposits to total assets | 81.6618% | 4,543 |
| Equity capital to assets | 14.2293% | 895 |
| Core capital (leverage) ratio | 13.5495% | 958 |
| Tier 1 risk-based capital ratio | 17.2342% | 2,409 |
| Total risk-based capital ratio | 18.2851% | 2,450 |
| Memoranda: | ||
| Average total assets | $245,191,200 | 2,570 |
| Average earning assets | $227,709,200 | 2,539 |
| Average equity | $33,110,400 | 2,101 |
| Average total loans | $177,712,200 | 2,254 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 2,331 |
| Cost of funding earning assets | 0.5303% | 2,462 |
| Net interest margin | 3.8431% | 2,465 |
| Noninterest income to average assets | 0.3350% | 4,761 |
| Noninterest expense to average assets | 1.7525% | 6,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0373% | 322 |
| Return on assets (ROA) | 2.0373% | 336 |
| Pretax return on assets | 2.1447% | 412 |
| Return on Equity (ROE) | 15.2953% | 775 |
| Retained earnings to average equity (ytd only) | 6.5540% | 2,067 |
| Net charge-offs to loans | -0.0415% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9671% | 6,328 |
| Assets per employee ($millions) | 6.3126% | 1,141 |
| Cash dividends to net income (ytd only)* | 57.1505% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 4,258 |
| Loan loss allowance to noncurrent loans | 362.2034% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 4,724 |
| Noncurrent loans to loans | 0.3299% | 4,916 |
| Net loans and leases to total assets | 69.9786% | 2,196 |
| Net loans and leases to deposits | 85.1943% | 2,005 |
| Net loans and leases to core deposits | 88.3941% | 2,382 |
| Total domestic deposits to total assets | 82.1400% | 4,432 |
| Equity capital to assets | 13.6525% | 1,123 |
| Core capital (leverage) ratio | 13.4277% | 1,021 |
| Tier 1 risk-based capital ratio | 17.0479% | 2,601 |
| Total risk-based capital ratio | 18.1536% | 2,606 |
| Memoranda: | ||
| Average total assets | $244,374,000 | 2,591 |
| Average earning assets | $226,513,500 | 2,575 |
| Average equity | $32,549,500 | 2,141 |
| Average total loans | $176,769,250 | 2,272 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 2,174 |
| Cost of funding earning assets | 0.5395% | 2,441 |
| Net interest margin | 3.8606% | 2,331 |
| Noninterest income to average assets | 0.3244% | 4,819 |
| Noninterest expense to average assets | 1.7231% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0748% | 285 |
| Return on assets (ROA) | 2.0748% | 301 |
| Pretax return on assets | 2.1840% | 380 |
| Return on Equity (ROE) | 15.7138% | 681 |
| Retained earnings to average equity (ytd only) | 4.7825% | 3,099 |
| Net charge-offs to loans | -0.0602% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1008% | 6,415 |
| Assets per employee ($millions) | 6.1895% | 1,178 |
| Cash dividends to net income (ytd only)* | 69.5652% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,433 |
| Loan loss allowance to noncurrent loans | 419.4499% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 4,908 |
| Noncurrent loans to loans | 0.2856% | 5,165 |
| Net loans and leases to total assets | 71.1210% | 1,904 |
| Net loans and leases to deposits | 86.4044% | 1,780 |
| Net loans and leases to core deposits | 89.8065% | 2,143 |
| Total domestic deposits to total assets | 82.3118% | 4,542 |
| Equity capital to assets | 13.4689% | 1,173 |
| Core capital (leverage) ratio | 13.3730% | 1,027 |
| Tier 1 risk-based capital ratio | 16.6945% | 2,744 |
| Total risk-based capital ratio | 17.8045% | 2,765 |
| Memoranda: | ||
| Average total assets | $241,664,330 | 2,625 |
| Average earning assets | $224,268,000 | 2,600 |
| Average equity | $31,908,330 | 2,162 |
| Average total loans | $176,080,670 | 2,281 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 2,226 |
| Cost of funding earning assets | 0.5479% | 2,438 |
| Net interest margin | 3.8317% | 2,335 |
| Noninterest income to average assets | 0.3418% | 4,645 |
| Noninterest expense to average assets | 1.7662% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0309% | 323 |
| Return on assets (ROA) | 2.0309% | 335 |
| Pretax return on assets | 2.1382% | 397 |
| Return on Equity (ROE) | 15.5437% | 701 |
| Retained earnings to average equity (ytd only) | 0.7310% | 5,296 |
| Net charge-offs to loans | -0.0091% | 5,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2361% | 6,451 |
| Assets per employee ($millions) | 6.0222% | 1,287 |
| Cash dividends to net income (ytd only)* | 95.2970% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 4,761 |
| Loan loss allowance to noncurrent loans | 284.9727% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 4,332 |
| Noncurrent loans to loans | 0.4116% | 4,897 |
| Net loans and leases to total assets | 72.9609% | 1,433 |
| Net loans and leases to deposits | 86.2490% | 1,566 |
| Net loans and leases to core deposits | 89.4381% | 1,963 |
| Total domestic deposits to total assets | 84.5933% | 4,048 |
| Equity capital to assets | 13.2007% | 1,213 |
| Core capital (leverage) ratio | 13.2940% | 1,041 |
| Tier 1 risk-based capital ratio | 16.3642% | 2,968 |
| Total risk-based capital ratio | 17.4512% | 3,019 |
| Memoranda: | ||
| Average total assets | $238,707,500 | 2,655 |
| Average earning assets | $221,936,500 | 2,636 |
| Average equity | $31,189,500 | 2,205 |
| Average total loans | $175,013,500 | 2,285 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 2,456 |
| Cost of funding earning assets | 0.6247% | 2,440 |
| Net interest margin | 3.8092% | 2,623 |
| Noninterest income to average assets | 0.5026% | 3,740 |
| Noninterest expense to average assets | 1.7907% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1141% | 284 |
| Return on assets (ROA) | 2.1141% | 281 |
| Pretax return on assets | 2.2253% | 302 |
| Return on Equity (ROE) | 16.7031% | 538 |
| Retained earnings to average equity (ytd only) | 7.9691% | 1,065 |
| Net charge-offs to loans | 0.2067% | 2,809 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 15.1700% | 1,894 |
| Efficiency ratio | 44.5895% | 6,600 |
| Assets per employee ($millions) | 6.0648% | 1,236 |
| Cash dividends to net income (ytd only)* | 52.2895% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 4,613 |
| Loan loss allowance to noncurrent loans | 376.4919% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 4,608 |
| Noncurrent loans to loans | 0.3212% | 5,224 |
| Net loans and leases to total assets | 71.9178% | 1,694 |
| Net loans and leases to deposits | 83.6876% | 1,974 |
| Net loans and leases to core deposits | 86.9000% | 2,362 |
| Total domestic deposits to total assets | 85.9361% | 3,293 |
| Equity capital to assets | 12.9288% | 1,307 |
| Core capital (leverage) ratio | 13.1695% | 1,071 |
| Tier 1 risk-based capital ratio | 16.7545% | 2,736 |
| Total risk-based capital ratio | 17.8673% | 2,757 |
| Memoranda: | ||
| Average total assets | $236,556,000 | 2,651 |
| Average earning assets | $218,181,800 | 2,642 |
| Average equity | $29,940,600 | 2,253 |
| Average total loans | $167,870,000 | 2,327 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 2,451 |
| Cost of funding earning assets | 0.6396% | 2,457 |
| Net interest margin | 3.8025% | 2,633 |
| Noninterest income to average assets | 0.5264% | 3,618 |
| Noninterest expense to average assets | 1.7934% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.1231% | 297 |
| Return on assets (ROA) | 2.1231% | 308 |
| Pretax return on assets | 2.2347% | 355 |
| Return on Equity (ROE) | 16.8651% | 554 |
| Retained earnings to average equity (ytd only) | 5.4933% | 2,728 |
| Net charge-offs to loans | 0.0584% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 54.3155% | 812 |
| Efficiency ratio | 44.5222% | 6,639 |
| Assets per employee ($millions) | 6.1092% | 1,166 |
| Cash dividends to net income (ytd only)* | 67.4276% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 3,919 |
| Loan loss allowance to noncurrent loans | 4,445.2830% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 5,061 |
| Noncurrent loans to loans | 0.0314% | 6,247 |
| Net loans and leases to total assets | 69.9054% | 1,989 |
| Net loans and leases to deposits | 81.0322% | 2,262 |
| Net loans and leases to core deposits | 84.1031% | 2,642 |
| Total domestic deposits to total assets | 86.2687% | 3,095 |
| Equity capital to assets | 12.4138% | 1,629 |
| Core capital (leverage) ratio | 12.7866% | 1,290 |
| Tier 1 risk-based capital ratio | 16.3688% | 3,004 |
| Total risk-based capital ratio | 17.6192% | 2,974 |
| Memoranda: | ||
| Average total assets | $236,563,250 | 2,669 |
| Average earning assets | $217,849,750 | 2,657 |
| Average equity | $29,780,750 | 2,281 |
| Average total loans | $166,790,750 | 2,343 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,408 |
| Cost of funding earning assets | 0.6577% | 2,433 |
| Net interest margin | 3.7844% | 2,614 |
| Noninterest income to average assets | 0.4636% | 4,069 |
| Noninterest expense to average assets | 1.7585% | 6,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0822% | 311 |
| Return on assets (ROA) | 2.0822% | 327 |
| Pretax return on assets | 2.1915% | 422 |
| Return on Equity (ROE) | 16.4630% | 608 |
| Retained earnings to average equity (ytd only) | 2.7070% | 4,589 |
| Net charge-offs to loans | -0.0409% | 6,199 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5183% | 6,697 |
| Assets per employee ($millions) | 6.1270% | 1,113 |
| Cash dividends to net income (ytd only)* | 83.5572% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 3,673 |
| Loan loss allowance to noncurrent loans | 477.3256% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 4,564 |
| Noncurrent loans to loans | 0.3100% | 5,525 |
| Net loans and leases to total assets | 70.4231% | 1,816 |
| Net loans and leases to deposits | 81.4315% | 2,123 |
| Net loans and leases to core deposits | 84.7556% | 2,459 |
| Total domestic deposits to total assets | 86.4814% | 3,121 |
| Equity capital to assets | 12.1704% | 1,792 |
| Core capital (leverage) ratio | 12.5516% | 1,340 |
| Tier 1 risk-based capital ratio | 16.1918% | 3,094 |
| Total risk-based capital ratio | 17.4430% | 3,044 |
| Memoranda: | ||
| Average total assets | $235,998,000 | 2,685 |
| Average earning assets | $217,417,000 | 2,672 |
| Average equity | $29,848,670 | 2,280 |
| Average total loans | $166,083,670 | 2,354 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 2,391 |
| Cost of funding earning assets | 0.6714% | 2,473 |
| Net interest margin | 3.7666% | 2,583 |
| Noninterest income to average assets | 0.4108% | 4,381 |
| Noninterest expense to average assets | 1.8032% | 6,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9698% | 360 |
| Return on assets (ROA) | 1.9698% | 389 |
| Pretax return on assets | 2.0742% | 519 |
| Return on Equity (ROE) | 15.2916% | 699 |
| Retained earnings to average equity (ytd only) | 2.0912% | 4,960 |
| Net charge-offs to loans | -0.0145% | 5,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5046% | 6,672 |
| Assets per employee ($millions) | 5.9452% | 1,291 |
| Cash dividends to net income (ytd only)* | 86.3248% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 3,911 |
| Loan loss allowance to noncurrent loans | 311.3811% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 4,411 |
| Noncurrent loans to loans | 0.4744% | 5,236 |
| Net loans and leases to total assets | 68.2894% | 1,959 |
| Net loans and leases to deposits | 79.5043% | 2,152 |
| Net loans and leases to core deposits | 82.7083% | 2,486 |
| Total domestic deposits to total assets | 85.8940% | 3,586 |
| Equity capital to assets | 12.8116% | 1,525 |
| Core capital (leverage) ratio | 12.3840% | 1,390 |
| Tier 1 risk-based capital ratio | 16.2109% | 3,151 |
| Total risk-based capital ratio | 17.4624% | 3,097 |
| Memoranda: | ||
| Average total assets | $237,583,500 | 2,701 |
| Average earning assets | $218,656,000 | 2,681 |
| Average equity | $30,605,000 | 2,266 |
| Average total loans | $165,912,000 | 2,366 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 2,297 |
| Cost of funding earning assets | 0.7529% | 3,068 |
| Net interest margin | 4.0228% | 2,304 |
| Noninterest income to average assets | 0.5008% | 3,893 |
| Noninterest expense to average assets | 1.8393% | 6,568 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.3384% | 195 |
| Return on assets (ROA) | 2.3384% | 214 |
| Pretax return on assets | 2.4489% | 272 |
| Return on Equity (ROE) | 18.5493% | 395 |
| Retained earnings to average equity (ytd only) | 10.2020% | 557 |
| Net charge-offs to loans | 0.0189% | 5,647 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 180.7742% | 230 |
| Efficiency ratio | 42.8921% | 6,881 |
| Assets per employee ($millions) | 6.0862% | 1,230 |
| Cash dividends to net income (ytd only)* | 45.0009% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 3,925 |
| Loan loss allowance to noncurrent loans | 423.1707% | 948 |
| Noncurrent assets plus other real estate owned to assets | 1.0566% | 3,917 |
| Noncurrent loans to loans | 0.3437% | 5,623 |
| Net loans and leases to total assets | 69.3306% | 1,967 |
| Net loans and leases to deposits | 80.8004% | 2,177 |
| Net loans and leases to core deposits | 84.0611% | 2,541 |
| Total domestic deposits to total assets | 85.8047% | 3,453 |
| Equity capital to assets | 12.9521% | 1,473 |
| Core capital (leverage) ratio | 12.4733% | 1,334 |
| Tier 1 risk-based capital ratio | 16.0319% | 3,145 |
| Total risk-based capital ratio | 17.2830% | 3,094 |
| Memoranda: | ||
| Average total assets | $228,833,800 | 2,739 |
| Average earning assets | $215,447,200 | 2,670 |
| Average equity | $28,847,400 | 2,332 |
| Average total loans | $164,290,600 | 2,368 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 2,667 |
| Cost of funding earning assets | 0.7705% | 3,180 |
| Net interest margin | 3.9607% | 2,663 |
| Noninterest income to average assets | 0.4370% | 4,380 |
| Noninterest expense to average assets | 1.8038% | 6,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.2655% | 254 |
| Return on assets (ROA) | 2.2655% | 278 |
| Pretax return on assets | 2.3849% | 355 |
| Return on Equity (ROE) | 18.1009% | 488 |
| Retained earnings to average equity (ytd only) | 8.7967% | 1,305 |
| Net charge-offs to loans | 0.1068% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 30.9546% | 1,070 |
| Efficiency ratio | 43.0637% | 6,928 |
| Assets per employee ($millions) | 6.1383% | 1,164 |
| Cash dividends to net income (ytd only)* | 51.4018% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 4,366 |
| Loan loss allowance to noncurrent loans | 392.0875% | 959 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 4,123 |
| Noncurrent loans to loans | 0.3576% | 5,763 |
| Net loans and leases to total assets | 70.2136% | 1,873 |
| Net loans and leases to deposits | 81.8307% | 2,146 |
| Net loans and leases to core deposits | 84.8470% | 2,598 |
| Total domestic deposits to total assets | 85.8035% | 3,360 |
| Equity capital to assets | 12.7428% | 1,747 |
| Core capital (leverage) ratio | 12.5621% | 1,376 |
| Tier 1 risk-based capital ratio | 15.6935% | 3,432 |
| Total risk-based capital ratio | 16.9445% | 3,393 |
| Memoranda: | ||
| Average total assets | $226,702,250 | 2,787 |
| Average earning assets | $214,739,250 | 2,704 |
| Average equity | $28,373,500 | 2,377 |
| Average total loans | $163,615,250 | 2,410 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 2,436 |
| Cost of funding earning assets | 0.7966% | 3,213 |
| Net interest margin | 4.0218% | 2,407 |
| Noninterest income to average assets | 0.4062% | 4,604 |
| Noninterest expense to average assets | 1.7950% | 6,755 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.2822% | 250 |
| Return on assets (ROA) | 2.2822% | 280 |
| Pretax return on assets | 2.4025% | 346 |
| Return on Equity (ROE) | 18.3500% | 468 |
| Retained earnings to average equity (ytd only) | 7.2268% | 1,989 |
| Net charge-offs to loans | -0.0762% | 6,791 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7632% | 6,995 |
| Assets per employee ($millions) | 5.8180% | 1,358 |
| Cash dividends to net income (ytd only)* | 60.6167% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 3,825 |
| Loan loss allowance to noncurrent loans | 286.9170% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 3,879 |
| Noncurrent loans to loans | 0.5363% | 5,448 |
| Net loans and leases to total assets | 72.9971% | 1,392 |
| Net loans and leases to deposits | 85.3049% | 1,686 |
| Net loans and leases to core deposits | 88.4810% | 2,149 |
| Total domestic deposits to total assets | 85.5720% | 3,578 |
| Equity capital to assets | 12.9557% | 1,542 |
| Core capital (leverage) ratio | 12.4355% | 1,379 |
| Tier 1 risk-based capital ratio | 15.5765% | 3,392 |
| Total risk-based capital ratio | 16.8289% | 3,353 |
| Memoranda: | ||
| Average total assets | $224,518,330 | 2,820 |
| Average earning assets | $211,644,670 | 2,739 |
| Average equity | $27,923,670 | 2,402 |
| Average total loans | $162,785,330 | 2,429 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 2,427 |
| Cost of funding earning assets | 0.8127% | 3,366 |
| Net interest margin | 4.0410% | 2,325 |
| Noninterest income to average assets | 0.4296% | 4,454 |
| Noninterest expense to average assets | 1.7592% | 6,843 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3356% | 230 |
| Return on assets (ROA) | 2.3356% | 279 |
| Pretax return on assets | 2.4594% | 353 |
| Return on Equity (ROE) | 19.1699% | 439 |
| Retained earnings to average equity (ytd only) | 8.2862% | 1,866 |
| Net charge-offs to loans | -0.0370% | 6,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7016% | 7,063 |
| Assets per employee ($millions) | 5.8585% | 1,375 |
| Cash dividends to net income (ytd only)* | 56.7752% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 4,051 |
| Loan loss allowance to noncurrent loans | 147.4970% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2703% | 4,014 |
| Noncurrent loans to loans | 1.0325% | 4,623 |
| Net loans and leases to total assets | 71.8903% | 1,421 |
| Net loans and leases to deposits | 83.5748% | 1,722 |
| Net loans and leases to core deposits | 87.3627% | 2,129 |
| Total domestic deposits to total assets | 86.0190% | 3,517 |
| Equity capital to assets | 12.5467% | 1,698 |
| Core capital (leverage) ratio | 12.1220% | 1,522 |
| Tier 1 risk-based capital ratio | 15.4874% | 3,457 |
| Total risk-based capital ratio | 16.7398% | 3,429 |
| Memoranda: | ||
| Average total assets | $226,235,500 | 2,814 |
| Average earning assets | $212,125,500 | 2,745 |
| Average equity | $27,564,000 | 2,425 |
| Average total loans | $162,224,500 | 2,448 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0140% | 2,818 |
| Cost of funding earning assets | 0.9233% | 3,932 |
| Net interest margin | 4.0907% | 2,463 |
| Noninterest income to average assets | 0.7093% | 2,547 |
| Noninterest expense to average assets | 2.2970% | 6,047 |
| Loan and lease loss provision to assets | 0.1301% | 4,993 |
| Net operating income to assets | 2.0967% | 265 |
| Return on assets (ROA) | 2.0967% | 282 |
| Pretax return on assets | 2.1930% | 377 |
| Return on Equity (ROE) | 17.4997% | 425 |
| Retained earnings to average equity (ytd only) | 9.0828% | 779 |
| Net charge-offs to loans | 0.2605% | 4,148 |
| Credit loss provision to net charge-offs | 69.1244% | 4,884 |
| Earnings coverage of net charge-offs (x) | 12.3456% | 1,633 |
| Efficiency ratio | 49.7185% | 6,853 |
| Assets per employee ($millions) | 5.2086% | 1,936 |
| Cash dividends to net income (ytd only)* | 48.0976% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,669 |
| Loan loss allowance to noncurrent loans | 110.2307% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7922% | 3,264 |
| Noncurrent loans to loans | 1.2244% | 4,324 |
| Net loans and leases to total assets | 67.0529% | 2,576 |
| Net loans and leases to deposits | 78.1948% | 2,805 |
| Net loans and leases to core deposits | 80.8413% | 3,333 |
| Total domestic deposits to total assets | 85.7510% | 3,458 |
| Equity capital to assets | 12.4518% | 1,821 |
| Core capital (leverage) ratio | 12.2606% | 1,460 |
| Tier 1 risk-based capital ratio | 16.0033% | 3,048 |
| Total risk-based capital ratio | 17.2431% | 3,012 |
| Memoranda: | ||
| Average total assets | $115,322,400 | 4,515 |
| Average earning assets | $110,251,200 | 4,386 |
| Average equity | $13,817,400 | 4,152 |
| Average total loans | $83,302,000 | 4,040 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 2,856 |
| Cost of funding earning assets | 0.9739% | 3,857 |
| Net interest margin | 4.0728% | 2,584 |
| Noninterest income to average assets | 0.6946% | 2,637 |
| Noninterest expense to average assets | 2.3478% | 5,906 |
| Loan and lease loss provision to assets | 0.1751% | 4,286 |
| Net operating income to assets | 1.9555% | 372 |
| Return on assets (ROA) | 1.9555% | 412 |
| Pretax return on assets | 2.0583% | 557 |
| Return on Equity (ROE) | 16.4909% | 610 |
| Retained earnings to average equity (ytd only) | 7.0099% | 1,963 |
| Net charge-offs to loans | 0.0446% | 5,545 |
| Credit loss provision to net charge-offs | 535.7143% | 515 |
| Earnings coverage of net charge-offs (x) | 68.3257% | 482 |
| Efficiency ratio | 51.2487% | 6,750 |
| Assets per employee ($millions) | 4.9440% | 2,267 |
| Cash dividends to net income (ytd only)* | 57.4926% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 4,003 |
| Loan loss allowance to noncurrent loans | 80.5503% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 2.2751% | 2,814 |
| Noncurrent loans to loans | 1.8878% | 3,522 |
| Net loans and leases to total assets | 73.3570% | 1,441 |
| Net loans and leases to deposits | 86.0427% | 1,685 |
| Net loans and leases to core deposits | 89.4828% | 2,313 |
| Total domestic deposits to total assets | 85.2565% | 3,643 |
| Equity capital to assets | 12.6056% | 1,846 |
| Core capital (leverage) ratio | 12.2493% | 1,564 |
| Tier 1 risk-based capital ratio | 15.1198% | 3,597 |
| Total risk-based capital ratio | 16.3721% | 3,566 |
| Memoranda: | ||
| Average total assets | $114,203,500 | 4,573 |
| Average earning assets | $108,980,250 | 4,451 |
| Average equity | $13,542,500 | 4,233 |
| Average total loans | $83,770,750 | 4,069 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 2,948 |
| Cost of funding earning assets | 1.0118% | 3,879 |
| Net interest margin | 4.0342% | 2,681 |
| Noninterest income to average assets | 0.6803% | 2,651 |
| Noninterest expense to average assets | 2.3486% | 6,001 |
| Loan and lease loss provision to assets | 0.1574% | 4,345 |
| Net operating income to assets | 1.9219% | 389 |
| Return on assets (ROA) | 1.9219% | 415 |
| Pretax return on assets | 2.0233% | 565 |
| Return on Equity (ROE) | 16.5529% | 606 |
| Retained earnings to average equity (ytd only) | 5.0607% | 2,968 |
| Net charge-offs to loans | -0.0647% | 7,074 |
| Credit loss provision to net charge-offs | -333.3333% | 6,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8533% | 6,800 |
| Assets per employee ($millions) | 4.8824% | 2,280 |
| Cash dividends to net income (ytd only)* | 69.4268% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 4,084 |
| Loan loss allowance to noncurrent loans | 72.6089% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 2.5976% | 2,560 |
| Noncurrent loans to loans | 2.0798% | 3,374 |
| Net loans and leases to total assets | 74.5138% | 1,324 |
| Net loans and leases to deposits | 87.7825% | 1,532 |
| Net loans and leases to core deposits | 91.3234% | 2,217 |
| Total domestic deposits to total assets | 84.8846% | 3,927 |
| Equity capital to assets | 12.1082% | 2,023 |
| Core capital (leverage) ratio | 11.7258% | 1,767 |
| Tier 1 risk-based capital ratio | 14.6212% | 3,712 |
| Total risk-based capital ratio | 15.8731% | 3,676 |
| Memoranda: | ||
| Average total assets | $114,367,670 | 4,602 |
| Average earning assets | $109,117,330 | 4,474 |
| Average equity | $13,278,670 | 4,279 |
| Average total loans | $83,460,000 | 4,112 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 3,286 |
| Cost of funding earning assets | 1.0119% | 4,113 |
| Net interest margin | 3.9497% | 2,915 |
| Noninterest income to average assets | 0.7279% | 2,403 |
| Noninterest expense to average assets | 2.2980% | 6,192 |
| Loan and lease loss provision to assets | 0.2080% | 3,561 |
| Net operating income to assets | 1.9029% | 401 |
| Return on assets (ROA) | 1.9029% | 424 |
| Pretax return on assets | 1.9965% | 565 |
| Return on Equity (ROE) | 16.7384% | 603 |
| Retained earnings to average equity (ytd only) | 7.5918% | 1,895 |
| Net charge-offs to loans | -0.0242% | 6,633 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0393% | 6,916 |
| Assets per employee ($millions) | 5.0711% | 2,063 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 4,339 |
| Loan loss allowance to noncurrent loans | 65.1668% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.3483% | 2,898 |
| Noncurrent loans to loans | 2.2593% | 3,241 |
| Net loans and leases to total assets | 70.6300% | 2,003 |
| Net loans and leases to deposits | 82.4286% | 2,287 |
| Net loans and leases to core deposits | 85.4387% | 2,964 |
| Total domestic deposits to total assets | 85.6862% | 3,698 |
| Equity capital to assets | 11.4827% | 2,293 |
| Core capital (leverage) ratio | 11.6435% | 1,774 |
| Tier 1 risk-based capital ratio | 14.4713% | 3,758 |
| Total risk-based capital ratio | 15.7218% | 3,716 |
| Memoranda: | ||
| Average total assets | $115,403,500 | 4,607 |
| Average earning assets | $110,287,000 | 4,457 |
| Average equity | $13,119,500 | 4,307 |
| Average total loans | $82,710,500 | 4,173 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 2,770 |
| Cost of funding earning assets | 1.2537% | 4,192 |
| Net interest margin | 4.1256% | 2,461 |
| Noninterest income to average assets | 0.6070% | 3,431 |
| Noninterest expense to average assets | 2.1985% | 6,619 |
| Loan and lease loss provision to assets | 0.4035% | 3,695 |
| Net operating income to assets | 1.8578% | 370 |
| Return on assets (ROA) | 1.8578% | 400 |
| Pretax return on assets | 1.9412% | 555 |
| Return on Equity (ROE) | 16.3792% | 546 |
| Retained earnings to average equity (ytd only) | 7.8022% | 1,040 |
| Net charge-offs to loans | 0.8447% | 2,521 |
| Credit loss provision to net charge-offs | 63.0252% | 6,032 |
| Earnings coverage of net charge-offs (x) | 3.6625% | 3,248 |
| Efficiency ratio | 48.3916% | 7,244 |
| Assets per employee ($millions) | 4.9640% | 2,205 |
| Cash dividends to net income (ytd only)* | 52.3649% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,398 |
| Loan loss allowance to noncurrent loans | 106.8744% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 4,615 |
| Noncurrent loans to loans | 1.3336% | 4,491 |
| Net loans and leases to total assets | 70.6344% | 2,384 |
| Net loans and leases to deposits | 82.2210% | 2,761 |
| Net loans and leases to core deposits | 85.2780% | 3,432 |
| Total domestic deposits to total assets | 85.9080% | 3,412 |
| Equity capital to assets | 11.2515% | 2,453 |
| Core capital (leverage) ratio | 11.2362% | 1,986 |
| Tier 1 risk-based capital ratio | 14.4814% | 3,556 |
| Total risk-based capital ratio | 15.7322% | 3,513 |
| Memoranda: | ||
| Average total assets | $111,530,000 | 4,674 |
| Average earning assets | $106,409,000 | 4,551 |
| Average equity | $12,650,200 | 4,446 |
| Average total loans | $84,529,000 | 4,198 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4357% | 2,716 |
| Cost of funding earning assets | 1.2876% | 4,309 |
| Net interest margin | 4.1481% | 2,413 |
| Noninterest income to average assets | 0.6097% | 3,379 |
| Noninterest expense to average assets | 2.2176% | 6,558 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2260% | 226 |
| Return on assets (ROA) | 2.2260% | 242 |
| Pretax return on assets | 2.3438% | 307 |
| Return on Equity (ROE) | 19.5849% | 332 |
| Retained earnings to average equity (ytd only) | 10.0834% | 771 |
| Net charge-offs to loans | 0.4710% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 6.4751% | 2,516 |
| Efficiency ratio | 48.6159% | 7,232 |
| Assets per employee ($millions) | 5.4861% | 1,630 |
| Cash dividends to net income (ytd only)* | 48.5141% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 4,767 |
| Loan loss allowance to noncurrent loans | 75.0166% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.5537% | 4,118 |
| Noncurrent loans to loans | 1.7810% | 3,974 |
| Net loans and leases to total assets | 72.3676% | 2,176 |
| Net loans and leases to deposits | 84.7142% | 2,574 |
| Net loans and leases to core deposits | 87.8231% | 3,391 |
| Total domestic deposits to total assets | 85.4256% | 3,397 |
| Equity capital to assets | 11.5555% | 2,488 |
| Core capital (leverage) ratio | 12.1239% | 1,602 |
| Tier 1 risk-based capital ratio | 14.3220% | 3,616 |
| Total risk-based capital ratio | 15.5724% | 3,581 |
| Memoranda: | ||
| Average total assets | $110,869,750 | 4,742 |
| Average earning assets | $105,619,750 | 4,620 |
| Average equity | $12,601,250 | 4,526 |
| Average total loans | $85,208,750 | 4,250 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5379% | 2,377 |
| Cost of funding earning assets | 1.3196% | 4,420 |
| Net interest margin | 4.2183% | 2,097 |
| Noninterest income to average assets | 0.6214% | 3,183 |
| Noninterest expense to average assets | 2.2116% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.3030% | 193 |
| Return on assets (ROA) | 2.3030% | 209 |
| Pretax return on assets | 2.4236% | 263 |
| Return on Equity (ROE) | 20.3818% | 298 |
| Retained earnings to average equity (ytd only) | 8.2821% | 1,344 |
| Net charge-offs to loans | 0.6601% | 2,565 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 4.7021% | 2,876 |
| Efficiency ratio | 47.7129% | 7,363 |
| Assets per employee ($millions) | 4.7271% | 2,541 |
| Cash dividends to net income (ytd only)* | 59.3651% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 4,601 |
| Loan loss allowance to noncurrent loans | 71.5265% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.5433% | 4,145 |
| Noncurrent loans to loans | 1.9082% | 3,856 |
| Net loans and leases to total assets | 79.7725% | 831 |
| Net loans and leases to deposits | 94.3317% | 1,233 |
| Net loans and leases to core deposits | 98.2741% | 2,200 |
| Total domestic deposits to total assets | 84.5659% | 3,837 |
| Equity capital to assets | 12.1792% | 1,992 |
| Core capital (leverage) ratio | 11.7507% | 1,776 |
| Tier 1 risk-based capital ratio | 14.2964% | 3,543 |
| Total risk-based capital ratio | 15.5094% | 3,539 |
| Memoranda: | ||
| Average total assets | $109,423,330 | 4,819 |
| Average earning assets | $104,119,000 | 4,688 |
| Average equity | $12,364,000 | 4,583 |
| Average total loans | $85,444,000 | 4,271 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4085% | 2,996 |
| Cost of funding earning assets | 1.3128% | 4,734 |
| Net interest margin | 4.0958% | 2,457 |
| Noninterest income to average assets | 0.5600% | 3,562 |
| Noninterest expense to average assets | 2.1902% | 6,709 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.1509% | 274 |
| Return on assets (ROA) | 2.1509% | 301 |
| Pretax return on assets | 2.2651% | 376 |
| Return on Equity (ROE) | 19.7494% | 395 |
| Retained earnings to average equity (ytd only) | 5.2076% | 3,039 |
| Net charge-offs to loans | -0.0093% | 6,878 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1593% | 7,366 |
| Assets per employee ($millions) | 4.9735% | 2,267 |
| Cash dividends to net income (ytd only)* | 73.6318% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 3,154 |
| Loan loss allowance to noncurrent loans | 64.9728% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.0143% | 3,486 |
| Noncurrent loans to loans | 2.5780% | 3,094 |
| Net loans and leases to total assets | 76.8254% | 1,362 |
| Net loans and leases to deposits | 92.5781% | 1,534 |
| Net loans and leases to core deposits | 96.3162% | 2,553 |
| Total domestic deposits to total assets | 82.9844% | 4,634 |
| Equity capital to assets | 11.2249% | 2,559 |
| Core capital (leverage) ratio | 11.0802% | 2,178 |
| Tier 1 risk-based capital ratio | 13.6971% | 3,868 |
| Total risk-based capital ratio | 14.9509% | 3,819 |
| Memoranda: | ||
| Average total assets | $112,136,500 | 4,820 |
| Average earning assets | $106,646,000 | 4,680 |
| Average equity | $12,213,000 | 4,657 |
| Average total loans | $86,111,500 | 4,318 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7240% | 2,992 |
| Cost of funding earning assets | 1.8176% | 3,896 |
| Net interest margin | 3.9063% | 3,243 |
| Noninterest income to average assets | 0.5851% | 3,751 |
| Noninterest expense to average assets | 2.1709% | 7,049 |
| Loan and lease loss provision to assets | 1.0271% | 2,220 |
| Net operating income to assets | 1.0372% | 1,716 |
| Return on assets (ROA) | 1.0372% | 1,756 |
| Pretax return on assets | 1.0773% | 2,316 |
| Return on Equity (ROE) | 9.4709% | 1,861 |
| Retained earnings to average equity (ytd only) | 1.0736% | 4,289 |
| Net charge-offs to loans | 0.6525% | 3,236 |
| Credit loss provision to net charge-offs | 201.2500% | 1,936 |
| Earnings coverage of net charge-offs (x) | 4.1232% | 3,050 |
| Efficiency ratio | 50.7781% | 7,488 |
| Assets per employee ($millions) | 4.9937% | 2,225 |
| Cash dividends to net income (ytd only)* | 88.6643% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 3,087 |
| Loan loss allowance to noncurrent loans | 68.6510% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.8136% | 3,650 |
| Noncurrent loans to loans | 2.4017% | 3,159 |
| Net loans and leases to total assets | 74.2678% | 2,212 |
| Net loans and leases to deposits | 92.2602% | 1,857 |
| Net loans and leases to core deposits | 103.3225% | 3,645 |
| Total domestic deposits to total assets | 80.4982% | 5,516 |
| Equity capital to assets | 10.5732% | 3,104 |
| Core capital (leverage) ratio | 10.6520% | 2,472 |
| Tier 1 risk-based capital ratio | 13.1843% | 4,025 |
| Total risk-based capital ratio | 14.4382% | 3,969 |
| Memoranda: | ||
| Average total assets | $109,723,200 | 4,828 |
| Average earning assets | $103,652,000 | 4,735 |
| Average equity | $12,015,800 | 4,747 |
| Average total loans | $85,823,200 | 4,335 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8153% | 2,821 |
| Cost of funding earning assets | 1.9271% | 3,738 |
| Net interest margin | 3.8882% | 3,274 |
| Noninterest income to average assets | 0.5803% | 3,849 |
| Noninterest expense to average assets | 2.3004% | 6,705 |
| Loan and lease loss provision to assets | 0.7562% | 2,478 |
| Net operating income to assets | 1.1213% | 1,668 |
| Return on assets (ROA) | 1.1213% | 1,735 |
| Pretax return on assets | 1.1803% | 2,323 |
| Return on Equity (ROE) | 10.1468% | 1,866 |
| Retained earnings to average equity (ytd only) | 1.0681% | 4,720 |
| Net charge-offs to loans | 0.1713% | 5,020 |
| Credit loss provision to net charge-offs | 559.0909% | 695 |
| Earnings coverage of net charge-offs (x) | 14.3185% | 1,608 |
| Efficiency ratio | 54.2948% | 7,207 |
| Assets per employee ($millions) | 4.9015% | 2,266 |
| Cash dividends to net income (ytd only)* | 89.4734% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,000 |
| Loan loss allowance to noncurrent loans | 46.7373% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.5964% | 2,679 |
| Noncurrent loans to loans | 3.4187% | 2,200 |
| Net loans and leases to total assets | 74.7319% | 2,308 |
| Net loans and leases to deposits | 93.6558% | 1,936 |
| Net loans and leases to core deposits | 105.5104% | 3,754 |
| Total domestic deposits to total assets | 79.7942% | 5,522 |
| Equity capital to assets | 10.8476% | 3,169 |
| Core capital (leverage) ratio | 11.1114% | 2,324 |
| Tier 1 risk-based capital ratio | 13.3138% | 3,982 |
| Total risk-based capital ratio | 14.5678% | 3,921 |
| Memoranda: | ||
| Average total assets | $108,440,000 | 4,897 |
| Average earning assets | $101,981,250 | 4,823 |
| Average equity | $11,983,750 | 4,794 |
| Average total loans | $85,596,250 | 4,379 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9557% | 2,357 |
| Cost of funding earning assets | 2.0274% | 3,644 |
| Net interest margin | 3.9283% | 2,985 |
| Noninterest income to average assets | 0.5663% | 3,918 |
| Noninterest expense to average assets | 2.2129% | 7,024 |
| Loan and lease loss provision to assets | 0.6635% | 2,442 |
| Net operating income to assets | 1.3326% | 1,152 |
| Return on assets (ROA) | 1.3326% | 1,226 |
| Pretax return on assets | 1.4018% | 1,721 |
| Return on Equity (ROE) | 11.9812% | 1,416 |
| Retained earnings to average equity (ytd only) | 1.3611% | 4,580 |
| Net charge-offs to loans | 0.2617% | 3,882 |
| Credit loss provision to net charge-offs | 316.9643% | 1,469 |
| Earnings coverage of net charge-offs (x) | 9.8661% | 2,063 |
| Efficiency ratio | 51.7256% | 7,535 |
| Assets per employee ($millions) | 4.6127% | 2,581 |
| Cash dividends to net income (ytd only)* | 88.6396% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,269 |
| Loan loss allowance to noncurrent loans | 62.5566% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.7494% | 3,553 |
| Noncurrent loans to loans | 2.0785% | 3,418 |
| Net loans and leases to total assets | 79.1368% | 1,490 |
| Net loans and leases to deposits | 98.6627% | 1,437 |
| Net loans and leases to core deposits | 112.7984% | 3,042 |
| Total domestic deposits to total assets | 80.2094% | 5,388 |
| Equity capital to assets | 11.1800% | 2,768 |
| Core capital (leverage) ratio | 10.8863% | 2,499 |
| Tier 1 risk-based capital ratio | 13.4166% | 3,858 |
| Total risk-based capital ratio | 14.6610% | 3,804 |
| Memoranda: | ||
| Average total assets | $107,008,330 | 4,965 |
| Average earning assets | $101,112,670 | 4,869 |
| Average equity | $11,902,000 | 4,837 |
| Average total loans | $85,589,330 | 4,413 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9161% | 2,727 |
| Cost of funding earning assets | 2.0742% | 3,776 |
| Net interest margin | 3.8419% | 3,290 |
| Noninterest income to average assets | 0.5769% | 3,713 |
| Noninterest expense to average assets | 2.0248% | 7,291 |
| Loan and lease loss provision to assets | 0.3908% | 2,984 |
| Net operating income to assets | 1.7122% | 631 |
| Return on assets (ROA) | 1.7122% | 694 |
| Pretax return on assets | 1.8015% | 972 |
| Return on Equity (ROE) | 15.4330% | 901 |
| Retained earnings to average equity (ytd only) | 7.2468% | 2,112 |
| Net charge-offs to loans | 0.0186% | 5,307 |
| Credit loss provision to net charge-offs | 2,625.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 147.2500% | 302 |
| Efficiency ratio | 48.0141% | 7,725 |
| Assets per employee ($millions) | 4.7490% | 2,365 |
| Cash dividends to net income (ytd only)* | 53.0435% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,348 |
| Loan loss allowance to noncurrent loans | 72.9198% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 4,101 |
| Noncurrent loans to loans | 1.5315% | 3,986 |
| Net loans and leases to total assets | 78.1455% | 1,786 |
| Net loans and leases to deposits | 96.8612% | 1,819 |
| Net loans and leases to core deposits | 111.8484% | 3,237 |
| Total domestic deposits to total assets | 80.6779% | 5,103 |
| Equity capital to assets | 11.0202% | 2,944 |
| Core capital (leverage) ratio | 10.9075% | 2,576 |
| Tier 1 risk-based capital ratio | 13.5168% | 3,850 |
| Total risk-based capital ratio | 14.6119% | 3,865 |
| Memoranda: | ||
| Average total assets | $107,467,000 | 4,969 |
| Average earning assets | $101,824,500 | 4,866 |
| Average equity | $11,922,500 | 4,855 |
| Average total loans | $85,852,500 | 4,433 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6760% | 2,124 |
| Cost of funding earning assets | 2.6918% | 3,195 |
| Net interest margin | 3.9843% | 3,197 |
| Noninterest income to average assets | 0.5418% | 4,304 |
| Noninterest expense to average assets | 2.1011% | 7,235 |
| Loan and lease loss provision to assets | 0.3482% | 3,616 |
| Net operating income to assets | 1.7510% | 604 |
| Return on assets (ROA) | 1.7510% | 582 |
| Pretax return on assets | 1.8404% | 865 |
| Return on Equity (ROE) | 16.2880% | 731 |
| Retained earnings to average equity (ytd only) | 7.1092% | 1,117 |
| Net charge-offs to loans | 0.4377% | 2,642 |
| Credit loss provision to net charge-offs | 98.1627% | 5,444 |
| Earnings coverage of net charge-offs (x) | 6.1706% | 3,425 |
| Efficiency ratio | 48.9800% | 7,737 |
| Assets per employee ($millions) | 4.5960% | 2,480 |
| Cash dividends to net income (ytd only)* | 56.3530% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 5,931 |
| Loan loss allowance to noncurrent loans | 141.4754% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 5,239 |
| Noncurrent loans to loans | 0.7144% | 5,250 |
| Net loans and leases to total assets | 79.9588% | 1,671 |
| Net loans and leases to deposits | 97.2568% | 2,240 |
| Net loans and leases to core deposits | 116.2390% | 3,098 |
| Total domestic deposits to total assets | 82.2140% | 4,118 |
| Equity capital to assets | 11.1705% | 2,899 |
| Core capital (leverage) ratio | 10.9317% | 2,643 |
| Tier 1 risk-based capital ratio | 13.3331% | 3,909 |
| Total risk-based capital ratio | 14.3180% | 3,985 |
| Memoranda: | ||
| Average total assets | $107,421,800 | 4,847 |
| Average earning assets | $101,047,800 | 4,774 |
| Average equity | $11,548,400 | 4,954 |
| Average total loans | $87,048,600 | 4,307 |