Home > Waumandee State Bank > Performance and Condition Ratios
Waumandee 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 | 4.8749% | 2,331 |
| Cost of funding earning assets | 1.5416% | 1,836 |
| Net interest margin | 3.3334% | 2,551 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.8760% | 1,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5102% | 3,648 |
| Return on assets (ROA) | 0.5115% | 3,640 |
| Pretax return on assets | 0.6184% | 3,604 |
| Return on Equity (ROE) | 5.0000% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.8558% | 3,327 |
| Net charge-offs to loans | -0.0165% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.3576% | 819 |
| Assets per employee ($millions) | 4.7824% | 3,788 |
| Cash dividends to net income (ytd only)* | 42.8487% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 2,741 |
| Loan loss allowance to noncurrent loans | 940.0000% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 2,942 |
| Noncurrent loans to loans | 0.1190% | 2,924 |
| Net loans and leases to total assets | 73.2200% | 1,447 |
| Net loans and leases to deposits | 87.5878% | 1,474 |
| Net loans and leases to core deposits | 93.9023% | 1,780 |
| Total domestic deposits to total assets | 83.6000% | 2,733 |
| Equity capital to assets | 10.4031% | 1,782 |
| Core capital (leverage) ratio | 9.0684% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2425% | 2,157 |
| Memoranda: | ||
| Average total assets | $329,420,000 | 2,271 |
| Average earning assets | $305,276,600 | 2,273 |
| Average equity | $33,720,800 | 2,109 |
| Average total loans | $242,726,000 | 2,046 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 2,407 |
| Cost of funding earning assets | 1.4416% | 1,760 |
| Net interest margin | 3.2887% | 2,712 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.8549% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5654% | 3,634 |
| Return on assets (ROA) | 0.5677% | 3,609 |
| Pretax return on assets | 0.6055% | 3,725 |
| Return on Equity (ROE) | 5.5700% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.6910% | 3,586 |
| Net charge-offs to loans | -0.0221% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.5725% | 755 |
| Assets per employee ($millions) | 4.5688% | 3,899 |
| Cash dividends to net income (ytd only)* | 51.6822% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,626 |
| Loan loss allowance to noncurrent loans | 830.2395% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 2,899 |
| Noncurrent loans to loans | 0.1384% | 2,862 |
| Net loans and leases to total assets | 72.5400% | 1,510 |
| Net loans and leases to deposits | 86.6340% | 1,498 |
| Net loans and leases to core deposits | 91.6892% | 1,816 |
| Total domestic deposits to total assets | 83.7300% | 2,853 |
| Equity capital to assets | 10.1489% | 1,739 |
| Core capital (leverage) ratio | 8.8790% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0249% | 2,264 |
| Memoranda: | ||
| Average total assets | $328,083,500 | 2,281 |
| Average earning assets | $303,818,500 | 2,278 |
| Average equity | $33,444,500 | 2,105 |
| Average total loans | $241,431,500 | 2,053 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 2,589 |
| Cost of funding earning assets | 1.2934% | 1,728 |
| Net interest margin | 3.2308% | 2,910 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.7420% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5120% | 3,784 |
| Return on assets (ROA) | 0.5125% | 3,790 |
| Pretax return on assets | 0.6742% | 3,656 |
| Return on Equity (ROE) | 5.0200% | 3,870 |
| Retained earnings to average equity (ytd only) | 2.9883% | 3,484 |
| Net charge-offs to loans | -0.0008% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.2783% | 889 |
| Assets per employee ($millions) | 4.6611% | 3,850 |
| Cash dividends to net income (ytd only)* | 40.4762% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 2,905 |
| Loan loss allowance to noncurrent loans | 245.6424% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 1,473 |
| Noncurrent loans to loans | 0.4524% | 1,582 |
| Net loans and leases to total assets | 73.5200% | 1,345 |
| Net loans and leases to deposits | 89.0406% | 1,256 |
| Net loans and leases to core deposits | 92.8477% | 1,635 |
| Total domestic deposits to total assets | 82.5700% | 3,126 |
| Equity capital to assets | 10.2295% | 1,730 |
| Core capital (leverage) ratio | 8.9423% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7843% | 2,376 |
| Memoranda: | ||
| Average total assets | $327,793,667 | 2,288 |
| Average earning assets | $303,387,667 | 2,292 |
| Average equity | $33,464,333 | 2,121 |
| Average total loans | $241,443,333 | 2,041 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 2,817 |
| Cost of funding earning assets | 1.1674% | 1,542 |
| Net interest margin | 3.1249% | 3,295 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.8839% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3610% | 4,152 |
| Return on assets (ROA) | 0.3629% | 4,102 |
| Pretax return on assets | 0.4672% | 4,034 |
| Return on Equity (ROE) | 3.5600% | 4,110 |
| Retained earnings to average equity (ytd only) | -0.5290% | 4,088 |
| Net charge-offs to loans | -0.0017% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.0970% | 541 |
| Assets per employee ($millions) | 4.7548% | 3,838 |
| Cash dividends to net income (ytd only)* | 114.8649% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 2,911 |
| Loan loss allowance to noncurrent loans | 255.9925% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 1,466 |
| Noncurrent loans to loans | 0.4409% | 1,618 |
| Net loans and leases to total assets | 73.0000% | 1,319 |
| Net loans and leases to deposits | 85.0040% | 1,425 |
| Net loans and leases to core deposits | 88.4024% | 1,718 |
| Total domestic deposits to total assets | 85.8800% | 2,630 |
| Equity capital to assets | 10.2306% | 1,709 |
| Core capital (leverage) ratio | 8.9063% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5055% | 2,569 |
| Memoranda: | ||
| Average total assets | $326,223,000 | 2,333 |
| Average earning assets | $302,221,000 | 2,333 |
| Average equity | $33,270,000 | 2,153 |
| Average total loans | $239,148,500 | 2,073 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 1,976 |
| Cost of funding earning assets | 0.5395% | 1,159 |
| Net interest margin | 3.3631% | 2,373 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.6156% | 1,789 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.7141% | 3,574 |
| Return on assets (ROA) | 0.7139% | 3,521 |
| Pretax return on assets | 0.9481% | 3,223 |
| Return on Equity (ROE) | 6.8900% | 3,659 |
| Retained earnings to average equity (ytd only) | 2.4909% | 3,859 |
| Net charge-offs to loans | 0.0027% | 2,404 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,696 |
| Earnings coverage of net charge-offs (x) | 482.8333% | 340 |
| Efficiency ratio | 73.6930% | 1,244 |
| Assets per employee ($millions) | 4.3833% | 4,093 |
| Cash dividends to net income (ytd only)* | 63.8353% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,603 |
| Loan loss allowance to noncurrent loans | 498.7226% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 2,203 |
| Noncurrent loans to loans | 0.2322% | 2,345 |
| Net loans and leases to total assets | 71.9300% | 1,424 |
| Net loans and leases to deposits | 81.8460% | 1,631 |
| Net loans and leases to core deposits | 85.4794% | 1,788 |
| Total domestic deposits to total assets | 87.8900% | 2,109 |
| Equity capital to assets | 10.1661% | 1,630 |
| Core capital (leverage) ratio | 9.0137% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1037% | 2,328 |
| Memoranda: | ||
| Average total assets | $326,535,600 | 2,315 |
| Average earning assets | $302,871,000 | 2,323 |
| Average equity | $33,843,400 | 2,163 |
| Average total loans | $222,353,800 | 2,093 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 1,800 |
| Cost of funding earning assets | 0.4718% | 870 |
| Net interest margin | 3.3148% | 2,254 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.6501% | 1,594 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 0.6810% | 3,618 |
| Return on assets (ROA) | 0.6803% | 3,580 |
| Pretax return on assets | 0.9021% | 3,306 |
| Return on Equity (ROE) | 6.5300% | 3,684 |
| Retained earnings to average equity (ytd only) | 4.6230% | 3,232 |
| Net charge-offs to loans | 0.0006% | 2,320 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,760 |
| Earnings coverage of net charge-offs (x) | 2,015.0000% | 58 |
| Efficiency ratio | 75.3523% | 1,133 |
| Assets per employee ($millions) | 4.5917% | 3,988 |
| Cash dividends to net income (ytd only)* | 29.2391% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,430 |
| Loan loss allowance to noncurrent loans | 54,760.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,628 |
| Noncurrent loans to loans | 0.0022% | 3,958 |
| Net loans and leases to total assets | 70.0500% | 1,472 |
| Net loans and leases to deposits | 78.3657% | 1,679 |
| Net loans and leases to core deposits | 81.0224% | 1,828 |
| Total domestic deposits to total assets | 89.3900% | 1,923 |
| Equity capital to assets | 10.3499% | 1,445 |
| Core capital (leverage) ratio | 8.8877% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5912% | 2,219 |
| Memoranda: | ||
| Average total assets | $327,079,000 | 2,331 |
| Average earning assets | $303,802,750 | 2,334 |
| Average equity | $34,060,500 | 2,186 |
| Average total loans | $218,930,000 | 2,116 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 1,727 |
| Cost of funding earning assets | 0.4357% | 741 |
| Net interest margin | 3.2015% | 2,180 |
| Noninterest income to average assets | 0.3946% | 2,787 |
| Noninterest expense to average assets | 2.6034% | 1,629 |
| Loan and lease loss provision to assets | -0.1210% | 4,620 |
| Net operating income to assets | 0.6653% | 3,428 |
| Return on assets (ROA) | 0.6638% | 3,382 |
| Pretax return on assets | 0.8853% | 3,107 |
| Return on Equity (ROE) | 6.3624% | 3,482 |
| Retained earnings to average equity (ytd only) | 4.6921% | 2,821 |
| Net charge-offs to loans | -0.0046% | 3,309 |
| Credit loss provision to net charge-offs | 4,000.0000% | 132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2572% | 1,249 |
| Assets per employee ($millions) | 4.4543% | 4,107 |
| Cash dividends to net income (ytd only)* | 26.2534% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,443 |
| Loan loss allowance to noncurrent loans | 3,266.6667% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,317 |
| Noncurrent loans to loans | 0.0382% | 3,663 |
| Net loans and leases to total assets | 65.9459% | 1,701 |
| Net loans and leases to deposits | 73.6407% | 1,905 |
| Net loans and leases to core deposits | 78.3298% | 1,836 |
| Total domestic deposits to total assets | 89.5509% | 1,920 |
| Equity capital to assets | 10.2106% | 1,582 |
| Core capital (leverage) ratio | 8.7001% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8252% | 2,139 |
| Memoranda: | ||
| Average total assets | $330,497,000 | 2,324 |
| Average earning assets | $307,103,333 | 2,340 |
| Average equity | $34,483,667 | 2,218 |
| Average total loans | $217,017,333 | 2,130 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 1,552 |
| Cost of funding earning assets | 0.4312% | 719 |
| Net interest margin | 3.1533% | 2,013 |
| Noninterest income to average assets | 0.3989% | 2,696 |
| Noninterest expense to average assets | 2.5286% | 1,809 |
| Loan and lease loss provision to assets | 0.0242% | 1,927 |
| Net operating income to assets | 0.5865% | 3,438 |
| Return on assets (ROA) | 0.5874% | 3,420 |
| Pretax return on assets | 0.7820% | 3,162 |
| Return on Equity (ROE) | 5.5706% | 3,462 |
| Retained earnings to average equity (ytd only) | 3.0719% | 3,234 |
| Net charge-offs to loans | -0.0130% | 3,696 |
| Credit loss provision to net charge-offs | -285.7143% | 3,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8368% | 1,651 |
| Assets per employee ($millions) | 4.5418% | 4,112 |
| Cash dividends to net income (ytd only)* | 44.8560% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 1,960 |
| Loan loss allowance to noncurrent loans | 849.8567% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,778 |
| Noncurrent loans to loans | 0.1632% | 2,989 |
| Net loans and leases to total assets | 63.6088% | 1,666 |
| Net loans and leases to deposits | 71.0893% | 1,860 |
| Net loans and leases to core deposits | 75.6706% | 1,801 |
| Total domestic deposits to total assets | 89.4774% | 1,828 |
| Equity capital to assets | 10.2626% | 1,714 |
| Core capital (leverage) ratio | 8.8712% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6955% | 1,920 |
| Memoranda: | ||
| Average total assets | $330,937,000 | 2,336 |
| Average earning assets | $307,997,500 | 2,345 |
| Average equity | $34,897,500 | 2,260 |
| Average total loans | $215,469,500 | 2,133 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 1,058 |
| Cost of funding earning assets | 0.4002% | 1,544 |
| Net interest margin | 3.7625% | 1,082 |
| Noninterest income to average assets | 0.5130% | 2,506 |
| Noninterest expense to average assets | 2.5601% | 1,990 |
| Loan and lease loss provision to assets | 0.2565% | 353 |
| Net operating income to assets | 0.8867% | 3,092 |
| Return on assets (ROA) | 0.8902% | 3,136 |
| Pretax return on assets | 1.1967% | 2,670 |
| Return on Equity (ROE) | 8.0320% | 3,213 |
| Retained earnings to average equity (ytd only) | 4.4270% | 3,038 |
| Net charge-offs to loans | 0.0164% | 1,969 |
| Credit loss provision to net charge-offs | 2,229.7297% | 289 |
| Earnings coverage of net charge-offs (x) | 125.9459% | 752 |
| Efficiency ratio | 62.9905% | 2,716 |
| Assets per employee ($millions) | 4.4638% | 4,144 |
| Cash dividends to net income (ytd only)* | 44.8830% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 2,114 |
| Loan loss allowance to noncurrent loans | 286.4522% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 1,760 |
| Noncurrent loans to loans | 0.4726% | 1,947 |
| Net loans and leases to total assets | 64.8269% | 1,604 |
| Net loans and leases to deposits | 72.9295% | 1,818 |
| Net loans and leases to core deposits | 77.6765% | 1,788 |
| Total domestic deposits to total assets | 88.8899% | 1,577 |
| Equity capital to assets | 10.8286% | 1,917 |
| Core capital (leverage) ratio | 9.0939% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3403% | 2,106 |
| Memoranda: | ||
| Average total assets | $321,626,800 | 2,337 |
| Average earning assets | $298,847,000 | 2,339 |
| Average equity | $35,645,000 | 2,257 |
| Average total loans | $225,489,000 | 2,075 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 869 |
| Cost of funding earning assets | 0.4072% | 1,647 |
| Net interest margin | 3.9512% | 863 |
| Noninterest income to average assets | 0.4892% | 2,671 |
| Noninterest expense to average assets | 2.5251% | 2,052 |
| Loan and lease loss provision to assets | 0.3443% | 209 |
| Net operating income to assets | 0.9604% | 3,045 |
| Return on assets (ROA) | 0.9604% | 3,130 |
| Pretax return on assets | 1.2934% | 2,639 |
| Return on Equity (ROE) | 8.6144% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.5474% | 2,203 |
| Net charge-offs to loans | -0.0146% | 3,838 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8155% | 3,002 |
| Assets per employee ($millions) | 4.6064% | 4,042 |
| Cash dividends to net income (ytd only)* | 12.3859% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 2,099 |
| Loan loss allowance to noncurrent loans | 226.3198% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 1,581 |
| Noncurrent loans to loans | 0.6109% | 1,781 |
| Net loans and leases to total assets | 67.3463% | 1,391 |
| Net loans and leases to deposits | 76.3837% | 1,636 |
| Net loans and leases to core deposits | 81.6065% | 1,601 |
| Total domestic deposits to total assets | 88.1684% | 1,737 |
| Equity capital to assets | 11.4515% | 1,710 |
| Core capital (leverage) ratio | 9.2813% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4770% | 2,176 |
| Memoranda: | ||
| Average total assets | $319,453,250 | 2,372 |
| Average earning assets | $297,015,750 | 2,372 |
| Average equity | $35,614,000 | 2,291 |
| Average total loans | $227,592,250 | 2,096 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 621 |
| Cost of funding earning assets | 0.4332% | 1,634 |
| Net interest margin | 4.1687% | 615 |
| Noninterest income to average assets | 0.4831% | 2,700 |
| Noninterest expense to average assets | 2.5938% | 1,876 |
| Loan and lease loss provision to assets | 0.3906% | 162 |
| Net operating income to assets | 1.0175% | 2,833 |
| Return on assets (ROA) | 1.0175% | 2,911 |
| Pretax return on assets | 1.3719% | 2,412 |
| Return on Equity (ROE) | 9.2101% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.6443% | 1,838 |
| Net charge-offs to loans | -0.0199% | 3,993 |
| Credit loss provision to net charge-offs | -2,717.3913% | 3,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7374% | 3,185 |
| Assets per employee ($millions) | 4.3574% | 4,212 |
| Cash dividends to net income (ytd only)* | 6.1425% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,873 |
| Loan loss allowance to noncurrent loans | 245.0963% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 1,940 |
| Noncurrent loans to loans | 0.4937% | 2,203 |
| Net loans and leases to total assets | 70.8739% | 1,102 |
| Net loans and leases to deposits | 80.1202% | 1,410 |
| Net loans and leases to core deposits | 87.0428% | 1,344 |
| Total domestic deposits to total assets | 88.4595% | 1,587 |
| Equity capital to assets | 11.1749% | 1,851 |
| Core capital (leverage) ratio | 8.8843% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4506% | 2,558 |
| Memoranda: | ||
| Average total assets | $319,989,333 | 2,359 |
| Average earning assets | $297,308,333 | 2,367 |
| Average equity | $35,352,667 | 2,296 |
| Average total loans | $231,103,667 | 2,092 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 591 |
| Cost of funding earning assets | 0.4662% | 1,616 |
| Net interest margin | 4.2077% | 592 |
| Noninterest income to average assets | 0.5082% | 2,573 |
| Noninterest expense to average assets | 2.5624% | 1,984 |
| Loan and lease loss provision to assets | 0.4078% | 186 |
| Net operating income to assets | 1.0716% | 2,569 |
| Return on assets (ROA) | 1.0716% | 2,649 |
| Pretax return on assets | 1.4456% | 2,149 |
| Return on Equity (ROE) | 9.7565% | 2,770 |
| Retained earnings to average equity (ytd only) | 9.1853% | 1,895 |
| Net charge-offs to loans | -0.0520% | 4,408 |
| Credit loss provision to net charge-offs | -1,083.3333% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2322% | 3,402 |
| Assets per employee ($millions) | 4.5308% | 4,078 |
| Cash dividends to net income (ytd only)* | 5.8548% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,479 |
| Loan loss allowance to noncurrent loans | 311.3043% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 2,267 |
| Noncurrent loans to loans | 0.3506% | 2,827 |
| Net loans and leases to total assets | 70.6033% | 1,206 |
| Net loans and leases to deposits | 79.6396% | 1,552 |
| Net loans and leases to core deposits | 87.7946% | 1,387 |
| Total domestic deposits to total assets | 88.6535% | 1,537 |
| Equity capital to assets | 10.9504% | 1,899 |
| Core capital (leverage) ratio | 8.5422% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8455% | 2,725 |
| Memoranda: | ||
| Average total assets | $318,761,000 | 2,347 |
| Average earning assets | $296,029,500 | 2,358 |
| Average equity | $35,012,500 | 2,303 |
| Average total loans | $230,991,000 | 2,091 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 703 |
| Cost of funding earning assets | 0.7324% | 1,553 |
| Net interest margin | 4.0920% | 798 |
| Noninterest income to average assets | 0.3491% | 3,372 |
| Noninterest expense to average assets | 2.8117% | 1,910 |
| Loan and lease loss provision to assets | 0.2252% | 1,735 |
| Net operating income to assets | 0.8408% | 2,937 |
| Return on assets (ROA) | 0.8408% | 3,068 |
| Pretax return on assets | 1.1289% | 2,590 |
| Return on Equity (ROE) | 7.5763% | 2,971 |
| Retained earnings to average equity (ytd only) | -7.7417% | 4,881 |
| Net charge-offs to loans | 0.0545% | 2,007 |
| Credit loss provision to net charge-offs | 540.0000% | 1,192 |
| Earnings coverage of net charge-offs (x) | 32.4700% | 1,540 |
| Efficiency ratio | 67.0237% | 2,363 |
| Assets per employee ($millions) | 4.2681% | 4,156 |
| Cash dividends to net income (ytd only)* | 202.1825% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,107 |
| Loan loss allowance to noncurrent loans | 353.9474% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 2,623 |
| Noncurrent loans to loans | 0.2617% | 3,256 |
| Net loans and leases to total assets | 72.8869% | 1,174 |
| Net loans and leases to deposits | 82.2459% | 1,640 |
| Net loans and leases to core deposits | 91.0981% | 1,452 |
| Total domestic deposits to total assets | 88.6207% | 1,158 |
| Equity capital to assets | 11.0181% | 2,237 |
| Core capital (leverage) ratio | 8.2661% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9773% | 2,929 |
| Memoranda: | ||
| Average total assets | $239,784,200 | 2,658 |
| Average earning assets | $223,655,600 | 2,644 |
| Average equity | $26,609,200 | 2,702 |
| Average total loans | $183,596,200 | 2,383 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 900 |
| Cost of funding earning assets | 0.8052% | 1,472 |
| Net interest margin | 3.9808% | 1,156 |
| Noninterest income to average assets | 0.3756% | 3,204 |
| Noninterest expense to average assets | 2.6857% | 2,301 |
| Loan and lease loss provision to assets | 0.2052% | 1,951 |
| Net operating income to assets | 0.9071% | 2,667 |
| Return on assets (ROA) | 0.9071% | 2,801 |
| Pretax return on assets | 1.2079% | 2,364 |
| Return on Equity (ROE) | 8.1534% | 2,747 |
| Retained earnings to average equity (ytd only) | -13.9726% | 4,961 |
| Net charge-offs to loans | 0.0490% | 1,910 |
| Credit loss provision to net charge-offs | 539.6825% | 1,231 |
| Earnings coverage of net charge-offs (x) | 37.1429% | 1,417 |
| Efficiency ratio | 65.2424% | 2,551 |
| Assets per employee ($millions) | 4.5563% | 3,776 |
| Cash dividends to net income (ytd only)* | 271.3715% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 4,310 |
| Loan loss allowance to noncurrent loans | 193.4825% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 2,476 |
| Noncurrent loans to loans | 0.4247% | 2,784 |
| Net loans and leases to total assets | 77.4864% | 900 |
| Net loans and leases to deposits | 88.9571% | 1,377 |
| Net loans and leases to core deposits | 98.9469% | 1,247 |
| Total domestic deposits to total assets | 87.1053% | 1,623 |
| Equity capital to assets | 11.0614% | 2,353 |
| Core capital (leverage) ratio | 8.3216% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5260% | 3,023 |
| Memoranda: | ||
| Average total assets | $220,771,250 | 2,776 |
| Average earning assets | $206,487,750 | 2,755 |
| Average equity | $24,561,750 | 2,821 |
| Average total loans | $171,406,500 | 2,474 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 1,283 |
| Cost of funding earning assets | 0.9514% | 1,141 |
| Net interest margin | 3.7965% | 1,844 |
| Noninterest income to average assets | 0.3663% | 3,284 |
| Noninterest expense to average assets | 2.8626% | 1,934 |
| Loan and lease loss provision to assets | 0.1256% | 2,773 |
| Net operating income to assets | 0.7295% | 3,286 |
| Return on assets (ROA) | 0.7295% | 3,394 |
| Pretax return on assets | 0.9577% | 3,161 |
| Return on Equity (ROE) | 6.5368% | 3,316 |
| Retained earnings to average equity (ytd only) | 2.7385% | 3,482 |
| Net charge-offs to loans | -0.0271% | 4,500 |
| Credit loss provision to net charge-offs | -600.0000% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5464% | 1,616 |
| Assets per employee ($millions) | 3.6898% | 4,554 |
| Cash dividends to net income (ytd only)* | 58.1062% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 3,665 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 75.7418% | 1,179 |
| Net loans and leases to deposits | 85.3963% | 1,836 |
| Net loans and leases to core deposits | 87.8321% | 2,258 |
| Total domestic deposits to total assets | 88.6945% | 865 |
| Equity capital to assets | 10.8558% | 2,459 |
| Core capital (leverage) ratio | 10.3159% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3806% | 1,669 |
| Memoranda: | ||
| Average total assets | $191,086,333 | 2,976 |
| Average earning assets | $180,164,000 | 2,959 |
| Average equity | $21,325,333 | 3,049 |
| Average total loans | $147,854,667 | 2,673 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 1,141 |
| Cost of funding earning assets | 1.0384% | 1,265 |
| Net interest margin | 3.8833% | 1,723 |
| Noninterest income to average assets | 0.4064% | 3,052 |
| Noninterest expense to average assets | 2.8299% | 2,343 |
| Loan and lease loss provision to assets | 0.1283% | 2,112 |
| Net operating income to assets | 0.8363% | 2,764 |
| Return on assets (ROA) | 0.8363% | 2,856 |
| Pretax return on assets | 1.1037% | 2,508 |
| Return on Equity (ROE) | 7.3868% | 2,783 |
| Retained earnings to average equity (ytd only) | 0.7746% | 3,797 |
| Net charge-offs to loans | -0.0193% | 4,325 |
| Credit loss provision to net charge-offs | -857.1429% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6682% | 2,403 |
| Assets per employee ($millions) | 3.4386% | 4,536 |
| Cash dividends to net income (ytd only)* | 89.5141% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,568 |
| Loan loss allowance to noncurrent loans | 89,000.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 3,743 |
| Noncurrent loans to loans | 0.0014% | 4,583 |
| Net loans and leases to total assets | 77.6809% | 1,027 |
| Net loans and leases to deposits | 88.1426% | 1,742 |
| Net loans and leases to core deposits | 90.6116% | 2,284 |
| Total domestic deposits to total assets | 88.1309% | 1,052 |
| Equity capital to assets | 11.4334% | 2,499 |
| Core capital (leverage) ratio | 10.7104% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6041% | 1,714 |
| Memoranda: | ||
| Average total assets | $187,005,500 | 2,984 |
| Average earning assets | $176,037,000 | 2,958 |
| Average equity | $21,173,000 | 3,059 |
| Average total loans | $145,399,000 | 2,675 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 1,567 |
| Cost of funding earning assets | 1.0682% | 1,438 |
| Net interest margin | 3.8975% | 2,179 |
| Noninterest income to average assets | 0.3744% | 3,457 |
| Noninterest expense to average assets | 2.7501% | 2,752 |
| Loan and lease loss provision to assets | 0.1609% | 1,301 |
| Net operating income to assets | 0.8588% | 3,360 |
| Return on assets (ROA) | 0.8588% | 3,451 |
| Pretax return on assets | 1.1350% | 3,056 |
| Return on Equity (ROE) | 7.9195% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.9698% | 1,403 |
| Net charge-offs to loans | 0.1429% | 1,371 |
| Credit loss provision to net charge-offs | 144.2308% | 1,783 |
| Earnings coverage of net charge-offs (x) | 11.6154% | 2,481 |
| Efficiency ratio | 67.9703% | 2,463 |
| Assets per employee ($millions) | 3.6217% | 4,353 |
| Cash dividends to net income (ytd only)* | 11.9925% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 3,359 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.9663% | 1,423 |
| Net loans and leases to deposits | 87.0066% | 1,970 |
| Net loans and leases to core deposits | 89.8305% | 2,441 |
| Total domestic deposits to total assets | 87.3109% | 1,447 |
| Equity capital to assets | 11.2124% | 2,806 |
| Core capital (leverage) ratio | 10.6592% | 2,798 |
| Tier 1 risk-based capital ratio | 14.2900% | 3,127 |
| Total risk-based capital ratio | 15.5369% | 3,040 |
| Memoranda: | ||
| Average total assets | $186,427,600 | 2,951 |
| Average earning assets | $175,624,400 | 2,927 |
| Average equity | $20,215,800 | 3,114 |
| Average total loans | $145,562,600 | 2,659 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9595% | 1,655 |
| Cost of funding earning assets | 1.0655% | 1,487 |
| Net interest margin | 3.8940% | 2,275 |
| Noninterest income to average assets | 0.3685% | 3,505 |
| Noninterest expense to average assets | 2.7447% | 2,727 |
| Loan and lease loss provision to assets | 0.1613% | 1,157 |
| Net operating income to assets | 0.8575% | 3,492 |
| Return on assets (ROA) | 0.8575% | 3,567 |
| Pretax return on assets | 1.1336% | 3,192 |
| Return on Equity (ROE) | 7.9768% | 3,316 |
| Retained earnings to average equity (ytd only) | 6.6962% | 2,013 |
| Net charge-offs to loans | 0.1912% | 901 |
| Credit loss provision to net charge-offs | 107.6555% | 2,122 |
| Earnings coverage of net charge-offs (x) | 8.6411% | 2,637 |
| Efficiency ratio | 67.9446% | 2,430 |
| Assets per employee ($millions) | 3.6219% | 4,367 |
| Cash dividends to net income (ytd only)* | 16.0533% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,923 |
| Loan loss allowance to noncurrent loans | 782.7751% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 2,956 |
| Noncurrent loans to loans | 0.1433% | 4,026 |
| Net loans and leases to total assets | 78.0794% | 1,130 |
| Net loans and leases to deposits | 88.4068% | 1,875 |
| Net loans and leases to core deposits | 91.3002% | 2,438 |
| Total domestic deposits to total assets | 88.3183% | 906 |
| Equity capital to assets | 11.2009% | 2,923 |
| Core capital (leverage) ratio | 10.4493% | 3,145 |
| Tier 1 risk-based capital ratio | 13.9261% | 3,365 |
| Total risk-based capital ratio | 15.1139% | 3,305 |
| Memoranda: | ||
| Average total assets | $185,952,750 | 2,985 |
| Average earning assets | $175,309,250 | 2,955 |
| Average equity | $19,990,750 | 3,154 |
| Average total loans | $145,759,000 | 2,687 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 1,774 |
| Cost of funding earning assets | 1.0492% | 1,499 |
| Net interest margin | 3.8426% | 2,427 |
| Noninterest income to average assets | 0.3466% | 3,616 |
| Noninterest expense to average assets | 2.8063% | 2,566 |
| Loan and lease loss provision to assets | 0.1610% | 1,125 |
| Net operating income to assets | 0.7598% | 3,793 |
| Return on assets (ROA) | 0.7598% | 3,859 |
| Pretax return on assets | 0.9991% | 3,555 |
| Return on Equity (ROE) | 7.1668% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,655 |
| Net charge-offs to loans | 0.1674% | 961 |
| Credit loss provision to net charge-offs | 122.9508% | 1,716 |
| Earnings coverage of net charge-offs (x) | 8.8607% | 2,379 |
| Efficiency ratio | 70.7522% | 2,110 |
| Assets per employee ($millions) | 3.4574% | 4,545 |
| Cash dividends to net income (ytd only)* | 27.1186% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 2,991 |
| Loan loss allowance to noncurrent loans | 147.2744% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 1,776 |
| Noncurrent loans to loans | 0.7574% | 2,087 |
| Net loans and leases to total assets | 78.2492% | 1,174 |
| Net loans and leases to deposits | 88.0996% | 1,999 |
| Net loans and leases to core deposits | 91.1110% | 2,498 |
| Total domestic deposits to total assets | 88.8190% | 739 |
| Equity capital to assets | 10.8077% | 3,262 |
| Core capital (leverage) ratio | 10.1525% | 3,440 |
| Tier 1 risk-based capital ratio | 13.4493% | 3,609 |
| Total risk-based capital ratio | 14.6350% | 3,537 |
| Memoranda: | ||
| Average total assets | $186,364,670 | 2,984 |
| Average earning assets | $175,558,000 | 2,966 |
| Average equity | $19,757,670 | 3,167 |
| Average total loans | $145,724,670 | 2,703 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,840 |
| Cost of funding earning assets | 1.0075% | 1,539 |
| Net interest margin | 3.8154% | 2,465 |
| Noninterest income to average assets | 0.2492% | 4,232 |
| Noninterest expense to average assets | 2.7455% | 2,759 |
| Loan and lease loss provision to assets | 0.1611% | 1,048 |
| Net operating income to assets | 0.7111% | 3,900 |
| Return on assets (ROA) | 0.7111% | 3,945 |
| Pretax return on assets | 0.9302% | 3,662 |
| Return on Equity (ROE) | 6.7732% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.3764% | 3,568 |
| Net charge-offs to loans | 0.0028% | 2,650 |
| Credit loss provision to net charge-offs | 7,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 508.0000% | 149 |
| Efficiency ratio | 71.5566% | 2,106 |
| Assets per employee ($millions) | 3.5848% | 4,482 |
| Cash dividends to net income (ytd only)* | 50.1511% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,757 |
| Loan loss allowance to noncurrent loans | 225.6991% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 1,943 |
| Noncurrent loans to loans | 0.5174% | 2,761 |
| Net loans and leases to total assets | 76.9626% | 1,323 |
| Net loans and leases to deposits | 86.4722% | 2,074 |
| Net loans and leases to core deposits | 89.4109% | 2,564 |
| Total domestic deposits to total assets | 89.0027% | 857 |
| Equity capital to assets | 10.5729% | 3,283 |
| Core capital (leverage) ratio | 10.0367% | 3,567 |
| Tier 1 risk-based capital ratio | 13.4274% | 3,651 |
| Total risk-based capital ratio | 14.6683% | 3,554 |
| Memoranda: | ||
| Average total assets | $186,196,500 | 3,020 |
| Average earning assets | $175,080,000 | 2,999 |
| Average equity | $19,547,500 | 3,198 |
| Average total loans | $144,717,000 | 2,744 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,892 |
| Cost of funding earning assets | 0.7910% | 1,568 |
| Net interest margin | 3.8906% | 2,352 |
| Noninterest income to average assets | 0.3578% | 3,702 |
| Noninterest expense to average assets | 2.8015% | 2,688 |
| Loan and lease loss provision to assets | 0.0751% | 2,625 |
| Net operating income to assets | 0.8718% | 3,527 |
| Return on assets (ROA) | 0.8718% | 3,522 |
| Pretax return on assets | 1.1473% | 3,108 |
| Return on Equity (ROE) | 8.4362% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.4050% | 1,502 |
| Net charge-offs to loans | 0.2416% | 808 |
| Credit loss provision to net charge-offs | 39.8827% | 3,288 |
| Earnings coverage of net charge-offs (x) | 6.4927% | 3,083 |
| Efficiency ratio | 69.6213% | 2,263 |
| Assets per employee ($millions) | 3.4441% | 4,620 |
| Cash dividends to net income (ytd only)* | 12.2229% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 2,965 |
| Loan loss allowance to noncurrent loans | 392.2518% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 2,106 |
| Noncurrent loans to loans | 0.2863% | 3,539 |
| Net loans and leases to total assets | 76.7022% | 1,488 |
| Net loans and leases to deposits | 87.0616% | 2,157 |
| Net loans and leases to core deposits | 90.0502% | 2,572 |
| Total domestic deposits to total assets | 88.1011% | 1,253 |
| Equity capital to assets | 10.4235% | 3,261 |
| Core capital (leverage) ratio | 10.0367% | 3,533 |
| Tier 1 risk-based capital ratio | 13.3299% | 3,646 |
| Total risk-based capital ratio | 14.5179% | 3,565 |
| Memoranda: | ||
| Average total assets | $181,115,400 | 3,042 |
| Average earning assets | $170,666,800 | 3,016 |
| Average equity | $18,717,000 | 3,210 |
| Average total loans | $141,133,400 | 2,756 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 1,917 |
| Cost of funding earning assets | 0.7470% | 1,598 |
| Net interest margin | 3.8755% | 2,386 |
| Noninterest income to average assets | 0.3646% | 3,690 |
| Noninterest expense to average assets | 2.7659% | 2,756 |
| Loan and lease loss provision to assets | 0.0600% | 2,781 |
| Net operating income to assets | 0.9101% | 3,481 |
| Return on assets (ROA) | 0.9101% | 3,486 |
| Pretax return on assets | 1.1992% | 2,986 |
| Return on Equity (ROE) | 8.8265% | 3,170 |
| Retained earnings to average equity (ytd only) | 8.0143% | 1,646 |
| Net charge-offs to loans | 0.1102% | 1,386 |
| Credit loss provision to net charge-offs | 69.8276% | 2,638 |
| Earnings coverage of net charge-offs (x) | 14.6468% | 2,279 |
| Efficiency ratio | 68.7166% | 2,403 |
| Assets per employee ($millions) | 3.4183% | 4,663 |
| Cash dividends to net income (ytd only)* | 9.2018% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,324 |
| Loan loss allowance to noncurrent loans | 155.2472% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 1,731 |
| Noncurrent loans to loans | 0.8099% | 2,086 |
| Net loans and leases to total assets | 77.5967% | 1,400 |
| Net loans and leases to deposits | 88.2576% | 2,118 |
| Net loans and leases to core deposits | 91.3849% | 2,536 |
| Total domestic deposits to total assets | 87.9207% | 1,270 |
| Equity capital to assets | 10.4907% | 3,155 |
| Core capital (leverage) ratio | 9.9759% | 3,665 |
| Tier 1 risk-based capital ratio | 13.2762% | 3,739 |
| Total risk-based capital ratio | 14.5274% | 3,658 |
| Memoranda: | ||
| Average total assets | $179,898,500 | 3,073 |
| Average earning assets | $169,917,250 | 3,052 |
| Average equity | $18,549,750 | 3,253 |
| Average total loans | $140,348,500 | 2,780 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 1,900 |
| Cost of funding earning assets | 0.6971% | 1,635 |
| Net interest margin | 3.8633% | 2,338 |
| Noninterest income to average assets | 0.3822% | 3,607 |
| Noninterest expense to average assets | 2.7413% | 2,879 |
| Loan and lease loss provision to assets | 0.0568% | 2,774 |
| Net operating income to assets | 0.9316% | 3,316 |
| Return on assets (ROA) | 0.9316% | 3,318 |
| Pretax return on assets | 1.2280% | 2,835 |
| Return on Equity (ROE) | 9.0881% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.0771% | 1,595 |
| Net charge-offs to loans | 0.1675% | 928 |
| Credit loss provision to net charge-offs | 43.5897% | 2,537 |
| Earnings coverage of net charge-offs (x) | 9.8547% | 2,371 |
| Efficiency ratio | 68.0875% | 2,631 |
| Assets per employee ($millions) | 3.2728% | 4,846 |
| Cash dividends to net income (ytd only)* | 11.1244% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,467 |
| Loan loss allowance to noncurrent loans | 189.3434% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7494% | 1,991 |
| Noncurrent loans to loans | 0.6568% | 2,468 |
| Net loans and leases to total assets | 77.5977% | 1,380 |
| Net loans and leases to deposits | 87.9347% | 2,121 |
| Net loans and leases to core deposits | 91.0572% | 2,480 |
| Total domestic deposits to total assets | 88.2447% | 1,250 |
| Equity capital to assets | 10.3937% | 3,217 |
| Core capital (leverage) ratio | 9.8702% | 3,713 |
| Tier 1 risk-based capital ratio | 13.0706% | 3,862 |
| Total risk-based capital ratio | 14.3210% | 3,778 |
| Memoranda: | ||
| Average total assets | $179,474,670 | 3,100 |
| Average earning assets | $169,284,000 | 3,070 |
| Average equity | $18,397,670 | 3,287 |
| Average total loans | $139,674,000 | 2,800 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 1,861 |
| Cost of funding earning assets | 0.6591% | 1,665 |
| Net interest margin | 3.8409% | 2,257 |
| Noninterest income to average assets | 0.3817% | 3,582 |
| Noninterest expense to average assets | 2.6226% | 3,268 |
| Loan and lease loss provision to assets | 0.0469% | 2,832 |
| Net operating income to assets | 1.0044% | 2,838 |
| Return on assets (ROA) | 1.0044% | 2,855 |
| Pretax return on assets | 1.3281% | 2,255 |
| Return on Equity (ROE) | 9.8673% | 2,501 |
| Retained earnings to average equity (ytd only) | 7.8281% | 1,907 |
| Net charge-offs to loans | 0.1585% | 890 |
| Credit loss provision to net charge-offs | 38.1818% | 2,028 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,860 |
| Efficiency ratio | 65.6058% | 3,234 |
| Assets per employee ($millions) | 3.3737% | 4,820 |
| Cash dividends to net income (ytd only)* | 20.6667% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,280 |
| Loan loss allowance to noncurrent loans | 145.4915% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 1,714 |
| Noncurrent loans to loans | 0.8885% | 2,051 |
| Net loans and leases to total assets | 76.4809% | 1,465 |
| Net loans and leases to deposits | 85.4467% | 2,241 |
| Net loans and leases to core deposits | 96.5034% | 1,941 |
| Total domestic deposits to total assets | 89.5072% | 885 |
| Equity capital to assets | 10.2512% | 3,331 |
| Core capital (leverage) ratio | 9.7581% | 3,799 |
| Tier 1 risk-based capital ratio | 13.1798% | 3,864 |
| Total risk-based capital ratio | 14.4311% | 3,759 |
| Memoranda: | ||
| Average total assets | $179,210,000 | 3,135 |
| Average earning assets | $168,711,000 | 3,112 |
| Average equity | $18,242,000 | 3,334 |
| Average total loans | $138,792,000 | 2,829 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 1,727 |
| Cost of funding earning assets | 0.6066% | 1,554 |
| Net interest margin | 3.8866% | 2,126 |
| Noninterest income to average assets | 0.3534% | 3,938 |
| Noninterest expense to average assets | 2.7228% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8701% | 2,864 |
| Return on assets (ROA) | 0.8701% | 2,886 |
| Pretax return on assets | 1.2905% | 2,386 |
| Return on Equity (ROE) | 8.6447% | 2,477 |
| Retained earnings to average equity (ytd only) | 1.9906% | 4,129 |
| Net charge-offs to loans | 0.4994% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3.3232% | 3,622 |
| Efficiency ratio | 66.9051% | 3,097 |
| Assets per employee ($millions) | 3.3261% | 4,913 |
| Cash dividends to net income (ytd only)* | 76.9728% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,161 |
| Loan loss allowance to noncurrent loans | 142.3557% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 1,578 |
| Noncurrent loans to loans | 0.9220% | 1,939 |
| Net loans and leases to total assets | 76.3947% | 1,525 |
| Net loans and leases to deposits | 85.2462% | 2,348 |
| Net loans and leases to core deposits | 96.1717% | 2,008 |
| Total domestic deposits to total assets | 89.6165% | 725 |
| Equity capital to assets | 10.1073% | 3,590 |
| Core capital (leverage) ratio | 9.4743% | 4,080 |
| Tier 1 risk-based capital ratio | 12.7429% | 4,066 |
| Total risk-based capital ratio | 13.9942% | 3,964 |
| Memoranda: | ||
| Average total assets | $177,686,000 | 3,147 |
| Average earning assets | $167,320,000 | 3,112 |
| Average equity | $17,883,800 | 3,384 |
| Average total loans | $138,170,800 | 2,807 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 1,837 |
| Cost of funding earning assets | 0.5921% | 1,586 |
| Net interest margin | 3.8448% | 2,239 |
| Noninterest income to average assets | 0.3484% | 4,045 |
| Noninterest expense to average assets | 2.7057% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8404% | 3,322 |
| Return on assets (ROA) | 0.8404% | 3,369 |
| Pretax return on assets | 1.2678% | 2,634 |
| Return on Equity (ROE) | 8.3592% | 2,949 |
| Retained earnings to average equity (ytd only) | -0.5463% | 5,297 |
| Net charge-offs to loans | 0.4407% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.6952% | 3,308 |
| Efficiency ratio | 66.9381% | 3,057 |
| Assets per employee ($millions) | 3.2657% | 4,997 |
| Cash dividends to net income (ytd only)* | 106.5353% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,647 |
| Loan loss allowance to noncurrent loans | 87.7290% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5739% | 949 |
| Noncurrent loans to loans | 1.6748% | 1,088 |
| Net loans and leases to total assets | 76.8744% | 1,440 |
| Net loans and leases to deposits | 86.2018% | 2,271 |
| Net loans and leases to core deposits | 97.1163% | 1,966 |
| Total domestic deposits to total assets | 89.1796% | 789 |
| Equity capital to assets | 9.9268% | 4,000 |
| Core capital (leverage) ratio | 9.2928% | 4,415 |
| Tier 1 risk-based capital ratio | 12.2897% | 4,440 |
| Total risk-based capital ratio | 13.5434% | 4,338 |
| Memoranda: | ||
| Average total assets | $177,204,500 | 3,179 |
| Average earning assets | $167,078,750 | 3,141 |
| Average equity | $17,816,250 | 3,423 |
| Average total loans | $137,953,750 | 2,825 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 1,834 |
| Cost of funding earning assets | 0.5733% | 1,622 |
| Net interest margin | 3.8207% | 2,204 |
| Noninterest income to average assets | 0.3639% | 3,953 |
| Noninterest expense to average assets | 2.7154% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8311% | 3,246 |
| Return on assets (ROA) | 0.8311% | 3,296 |
| Pretax return on assets | 1.2528% | 2,569 |
| Return on Equity (ROE) | 8.2306% | 2,899 |
| Retained earnings to average equity (ytd only) | -0.6962% | 5,185 |
| Net charge-offs to loans | 0.2755% | 733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.8466% | 2,771 |
| Efficiency ratio | 67.2857% | 3,135 |
| Assets per employee ($millions) | 3.2914% | 4,992 |
| Cash dividends to net income (ytd only)* | 108.4584% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 1,112 |
| Loan loss allowance to noncurrent loans | 92.3382% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.6913% | 857 |
| Noncurrent loans to loans | 1.8094% | 994 |
| Net loans and leases to total assets | 77.0201% | 1,378 |
| Net loans and leases to deposits | 88.0840% | 1,970 |
| Net loans and leases to core deposits | 99.0693% | 1,722 |
| Total domestic deposits to total assets | 87.4394% | 1,750 |
| Equity capital to assets | 10.0474% | 3,854 |
| Core capital (leverage) ratio | 9.3501% | 4,293 |
| Tier 1 risk-based capital ratio | 12.3627% | 4,377 |
| Total risk-based capital ratio | 13.6190% | 4,264 |
| Memoranda: | ||
| Average total assets | $176,401,000 | 3,203 |
| Average earning assets | $166,407,670 | 3,161 |
| Average equity | $17,811,670 | 3,428 |
| Average total loans | $137,226,000 | 2,845 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 1,878 |
| Cost of funding earning assets | 0.5570% | 1,677 |
| Net interest margin | 3.7733% | 2,208 |
| Noninterest income to average assets | 0.3619% | 3,945 |
| Noninterest expense to average assets | 2.6040% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8695% | 2,903 |
| Return on assets (ROA) | 0.8695% | 2,957 |
| Pretax return on assets | 1.3202% | 2,165 |
| Return on Equity (ROE) | 8.5898% | 2,621 |
| Retained earnings to average equity (ytd only) | 0.2698% | 4,850 |
| Net charge-offs to loans | 0.4581% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.7179% | 2,454 |
| Efficiency ratio | 65.1972% | 3,635 |
| Assets per employee ($millions) | 3.5033% | 4,785 |
| Cash dividends to net income (ytd only)* | 96.8586% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 1,090 |
| Loan loss allowance to noncurrent loans | 94.8151% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.7007% | 873 |
| Noncurrent loans to loans | 1.8246% | 1,023 |
| Net loans and leases to total assets | 76.4997% | 1,328 |
| Net loans and leases to deposits | 85.4183% | 2,100 |
| Net loans and leases to core deposits | 96.2146% | 1,803 |
| Total domestic deposits to total assets | 89.5589% | 873 |
| Equity capital to assets | 10.1802% | 3,533 |
| Core capital (leverage) ratio | 9.4707% | 4,146 |
| Tier 1 risk-based capital ratio | 12.6345% | 4,308 |
| Total risk-based capital ratio | 13.8915% | 4,205 |
| Memoranda: | ||
| Average total assets | $175,732,500 | 3,236 |
| Average earning assets | $165,900,500 | 3,192 |
| Average equity | $17,788,500 | 3,437 |
| Average total loans | $136,229,000 | 2,871 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 1,561 |
| Cost of funding earning assets | 0.5356% | 1,822 |
| Net interest margin | 3.9553% | 1,767 |
| Noninterest income to average assets | 0.3676% | 4,113 |
| Noninterest expense to average assets | 2.7387% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9019% | 2,811 |
| Return on assets (ROA) | 0.9019% | 2,930 |
| Pretax return on assets | 1.3641% | 2,053 |
| Return on Equity (ROE) | 8.7354% | 2,549 |
| Retained earnings to average equity (ytd only) | 2.5199% | 4,083 |
| Net charge-offs to loans | 0.0365% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 47.9388% | 1,035 |
| Efficiency ratio | 65.6051% | 3,661 |
| Assets per employee ($millions) | 3.3264% | 5,009 |
| Cash dividends to net income (ytd only)* | 71.1526% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 877 |
| Loan loss allowance to noncurrent loans | 73.0468% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.9932% | 689 |
| Noncurrent loans to loans | 2.5298% | 621 |
| Net loans and leases to total assets | 75.7704% | 1,545 |
| Net loans and leases to deposits | 84.9912% | 2,310 |
| Net loans and leases to core deposits | 95.4765% | 1,968 |
| Total domestic deposits to total assets | 89.1509% | 1,037 |
| Equity capital to assets | 10.0652% | 3,655 |
| Core capital (leverage) ratio | 9.4828% | 4,107 |
| Tier 1 risk-based capital ratio | 12.5824% | 4,339 |
| Total risk-based capital ratio | 13.8408% | 4,226 |
| Memoranda: | ||
| Average total assets | $172,195,400 | 3,259 |
| Average earning assets | $162,616,400 | 3,199 |
| Average equity | $17,778,200 | 3,441 |
| Average total loans | $134,102,400 | 2,864 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 1,530 |
| Cost of funding earning assets | 0.5292% | 1,886 |
| Net interest margin | 3.9747% | 1,726 |
| Noninterest income to average assets | 0.3661% | 4,160 |
| Noninterest expense to average assets | 2.7014% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9371% | 2,717 |
| Return on assets (ROA) | 0.9371% | 2,843 |
| Pretax return on assets | 1.4208% | 1,969 |
| Return on Equity (ROE) | 9.0179% | 2,477 |
| Retained earnings to average equity (ytd only) | 0.9220% | 5,110 |
| Net charge-offs to loans | 0.0439% | 2,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 41.4512% | 1,208 |
| Efficiency ratio | 64.3802% | 3,875 |
| Assets per employee ($millions) | 3.2851% | 5,065 |
| Cash dividends to net income (ytd only)* | 89.7753% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 938 |
| Loan loss allowance to noncurrent loans | 279.0698% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 3,373 |
| Noncurrent loans to loans | 0.6598% | 3,049 |
| Net loans and leases to total assets | 77.1568% | 1,331 |
| Net loans and leases to deposits | 86.9641% | 2,145 |
| Net loans and leases to core deposits | 98.2635% | 1,787 |
| Total domestic deposits to total assets | 88.7226% | 1,038 |
| Equity capital to assets | 10.1884% | 3,928 |
| Core capital (leverage) ratio | 9.3971% | 4,327 |
| Tier 1 risk-based capital ratio | 12.3919% | 4,543 |
| Total risk-based capital ratio | 13.6509% | 4,434 |
| Memoranda: | ||
| Average total assets | $171,169,000 | 3,284 |
| Average earning assets | $161,752,500 | 3,221 |
| Average equity | $17,786,500 | 3,464 |
| Average total loans | $133,603,250 | 2,871 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 1,570 |
| Cost of funding earning assets | 0.5215% | 1,929 |
| Net interest margin | 3.9615% | 1,767 |
| Noninterest income to average assets | 0.3384% | 4,354 |
| Noninterest expense to average assets | 2.6077% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9730% | 2,509 |
| Return on assets (ROA) | 0.9730% | 2,652 |
| Pretax return on assets | 1.4713% | 1,769 |
| Return on Equity (ROE) | 9.3022% | 2,362 |
| Retained earnings to average equity (ytd only) | 2.7862% | 4,125 |
| Net charge-offs to loans | 0.0574% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.9474% | 1,323 |
| Efficiency ratio | 62.7773% | 4,208 |
| Assets per employee ($millions) | 3.0976% | 5,327 |
| Cash dividends to net income (ytd only)* | 70.0483% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 930 |
| Loan loss allowance to noncurrent loans | 225.1337% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 3,015 |
| Noncurrent loans to loans | 0.8352% | 2,659 |
| Net loans and leases to total assets | 77.3651% | 1,281 |
| Net loans and leases to deposits | 87.2622% | 2,100 |
| Net loans and leases to core deposits | 99.2665% | 1,689 |
| Total domestic deposits to total assets | 88.6582% | 1,081 |
| Equity capital to assets | 10.5212% | 3,610 |
| Core capital (leverage) ratio | 9.5367% | 4,155 |
| Tier 1 risk-based capital ratio | 12.6956% | 4,389 |
| Total risk-based capital ratio | 13.9544% | 4,288 |
| Memoranda: | ||
| Average total assets | $170,189,000 | 3,305 |
| Average earning assets | $160,698,000 | 3,260 |
| Average equity | $17,802,330 | 3,469 |
| Average total loans | $132,518,670 | 2,895 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 1,498 |
| Cost of funding earning assets | 0.5038% | 2,075 |
| Net interest margin | 3.9980% | 1,621 |
| Noninterest income to average assets | 0.2775% | 4,737 |
| Noninterest expense to average assets | 2.6126% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9547% | 2,491 |
| Return on assets (ROA) | 0.9547% | 2,607 |
| Pretax return on assets | 1.4345% | 1,791 |
| Return on Equity (ROE) | 9.1539% | 2,342 |
| Retained earnings to average equity (ytd only) | 8.9285% | 1,135 |
| Net charge-offs to loans | 0.1276% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.5238% | 1,697 |
| Efficiency ratio | 63.3934% | 4,238 |
| Assets per employee ($millions) | 3.2546% | 5,193 |
| Cash dividends to net income (ytd only)* | 2.4631% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 943 |
| Loan loss allowance to noncurrent loans | 432.5901% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 4,148 |
| Noncurrent loans to loans | 0.4428% | 3,852 |
| Net loans and leases to total assets | 76.3144% | 1,342 |
| Net loans and leases to deposits | 86.6153% | 2,000 |
| Net loans and leases to core deposits | 99.5345% | 1,519 |
| Total domestic deposits to total assets | 88.1073% | 1,588 |
| Equity capital to assets | 10.6253% | 3,339 |
| Core capital (leverage) ratio | 9.6446% | 3,975 |
| Tier 1 risk-based capital ratio | 13.6093% | 3,922 |
| Total risk-based capital ratio | 14.8703% | 3,849 |
| Memoranda: | ||
| Average total assets | $170,098,500 | 3,322 |
| Average earning assets | $160,379,000 | 3,275 |
| Average equity | $17,741,000 | 3,470 |
| Average total loans | $131,611,500 | 2,909 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 1,502 |
| Cost of funding earning assets | 0.4984% | 2,170 |
| Net interest margin | 4.0365% | 1,602 |
| Noninterest income to average assets | 0.4367% | 3,771 |
| Noninterest expense to average assets | 2.8287% | 3,113 |
| Loan and lease loss provision to assets | 0.0957% | 2,398 |
| Net operating income to assets | 0.8584% | 3,073 |
| Return on assets (ROA) | 0.8584% | 3,142 |
| Pretax return on assets | 1.3058% | 2,259 |
| Return on Equity (ROE) | 8.1734% | 2,858 |
| Retained earnings to average equity (ytd only) | 1.0822% | 5,084 |
| Net charge-offs to loans | 0.0352% | 3,507 |
| Credit loss provision to net charge-offs | 355.5556% | 838 |
| Earnings coverage of net charge-offs (x) | 52.0667% | 971 |
| Efficiency ratio | 65.7240% | 3,947 |
| Assets per employee ($millions) | 3.2877% | 5,170 |
| Cash dividends to net income (ytd only)* | 86.7596% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 880 |
| Loan loss allowance to noncurrent loans | 245.8293% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8037% | 2,663 |
| Noncurrent loans to loans | 0.7929% | 2,811 |
| Net loans and leases to total assets | 75.4473% | 1,504 |
| Net loans and leases to deposits | 86.3376% | 2,085 |
| Net loans and leases to core deposits | 98.5032% | 1,631 |
| Total domestic deposits to total assets | 87.3864% | 1,936 |
| Equity capital to assets | 10.2364% | 3,699 |
| Core capital (leverage) ratio | 9.4706% | 4,221 |
| Tier 1 risk-based capital ratio | 13.2533% | 4,134 |
| Total risk-based capital ratio | 14.5142% | 4,074 |
| Memoranda: | ||
| Average total assets | $167,179,400 | 3,351 |
| Average earning assets | $157,118,200 | 3,297 |
| Average equity | $17,557,000 | 3,447 |
| Average total loans | $127,991,200 | 2,919 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 1,528 |
| Cost of funding earning assets | 0.5035% | 2,178 |
| Net interest margin | 4.0204% | 1,638 |
| Noninterest income to average assets | 0.4395% | 3,800 |
| Noninterest expense to average assets | 2.7912% | 3,225 |
| Loan and lease loss provision to assets | 0.1123% | 2,009 |
| Net operating income to assets | 0.8662% | 3,105 |
| Return on assets (ROA) | 0.8662% | 3,190 |
| Pretax return on assets | 1.3146% | 2,334 |
| Return on Equity (ROE) | 8.1950% | 2,973 |
| Retained earnings to average equity (ytd only) | 2.9972% | 4,311 |
| Net charge-offs to loans | 0.2056% | 1,260 |
| Credit loss provision to net charge-offs | 71.4286% | 2,733 |
| Earnings coverage of net charge-offs (x) | 9.0764% | 2,740 |
| Efficiency ratio | 65.0124% | 4,063 |
| Assets per employee ($millions) | 3.2495% | 5,220 |
| Cash dividends to net income (ytd only)* | 63.4261% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8809% | 1,109 |
| Loan loss allowance to noncurrent loans | 187.2457% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 2,794 |
| Noncurrent loans to loans | 1.0045% | 2,470 |
| Net loans and leases to total assets | 75.3251% | 1,490 |
| Net loans and leases to deposits | 84.5773% | 2,333 |
| Net loans and leases to core deposits | 97.2348% | 1,768 |
| Total domestic deposits to total assets | 89.0607% | 1,005 |
| Equity capital to assets | 10.7028% | 3,356 |
| Core capital (leverage) ratio | 9.7358% | 3,990 |
| Tier 1 risk-based capital ratio | 14.0861% | 3,806 |
| Total risk-based capital ratio | 15.3467% | 3,736 |
| Memoranda: | ||
| Average total assets | $166,234,500 | 3,393 |
| Average earning assets | $156,232,250 | 3,341 |
| Average equity | $17,571,250 | 3,469 |
| Average total loans | $127,102,000 | 2,955 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,485 |
| Cost of funding earning assets | 0.5032% | 2,219 |
| Net interest margin | 4.0115% | 1,609 |
| Noninterest income to average assets | 0.4291% | 3,862 |
| Noninterest expense to average assets | 2.7812% | 3,311 |
| Loan and lease loss provision to assets | 0.0962% | 2,213 |
| Net operating income to assets | 0.8678% | 3,051 |
| Return on assets (ROA) | 0.8678% | 3,148 |
| Pretax return on assets | 1.3173% | 2,299 |
| Return on Equity (ROE) | 8.2439% | 2,916 |
| Retained earnings to average equity (ytd only) | 4.4188% | 3,201 |
| Net charge-offs to loans | 0.1684% | 1,461 |
| Credit loss provision to net charge-offs | 74.7664% | 2,407 |
| Earnings coverage of net charge-offs (x) | 10.9907% | 2,332 |
| Efficiency ratio | 65.1576% | 4,161 |
| Assets per employee ($millions) | 3.2362% | 5,288 |
| Cash dividends to net income (ytd only)* | 46.3989% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 1,203 |
| Loan loss allowance to noncurrent loans | 387.5200% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 4,171 |
| Noncurrent loans to loans | 0.4860% | 4,020 |
| Net loans and leases to total assets | 76.4575% | 1,304 |
| Net loans and leases to deposits | 87.3197% | 1,905 |
| Net loans and leases to core deposits | 100.6179% | 1,435 |
| Total domestic deposits to total assets | 87.5604% | 1,873 |
| Equity capital to assets | 10.6782% | 3,238 |
| Core capital (leverage) ratio | 9.6645% | 4,047 |
| Tier 1 risk-based capital ratio | 14.4012% | 3,698 |
| Total risk-based capital ratio | 15.6631% | 3,608 |
| Memoranda: | ||
| Average total assets | $166,405,000 | 3,407 |
| Average earning assets | $156,202,670 | 3,361 |
| Average equity | $17,516,000 | 3,493 |
| Average total loans | $127,061,330 | 2,963 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 1,587 |
| Cost of funding earning assets | 0.5054% | 2,235 |
| Net interest margin | 3.9516% | 1,710 |
| Noninterest income to average assets | 0.3902% | 4,087 |
| Noninterest expense to average assets | 2.8441% | 3,088 |
| Loan and lease loss provision to assets | 0.0718% | 2,506 |
| Net operating income to assets | 0.7876% | 3,329 |
| Return on assets (ROA) | 0.7876% | 3,462 |
| Pretax return on assets | 1.1802% | 2,741 |
| Return on Equity (ROE) | 7.5364% | 3,201 |
| Retained earnings to average equity (ytd only) | 6.1620% | 2,395 |
| Net charge-offs to loans | 0.0950% | 1,775 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 17.4333% | 1,525 |
| Efficiency ratio | 68.2642% | 3,777 |
| Assets per employee ($millions) | 3.2974% | 5,248 |
| Cash dividends to net income (ytd only)* | 18.2371% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9447% | 1,197 |
| Loan loss allowance to noncurrent loans | 540.6181% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 4,145 |
| Noncurrent loans to loans | 0.3597% | 4,514 |
| Net loans and leases to total assets | 73.4295% | 1,580 |
| Net loans and leases to deposits | 82.1656% | 2,325 |
| Net loans and leases to core deposits | 94.0530% | 1,762 |
| Total domestic deposits to total assets | 89.3678% | 1,063 |
| Equity capital to assets | 10.4770% | 3,559 |
| Core capital (leverage) ratio | 9.5634% | 4,188 |
| Tier 1 risk-based capital ratio | 12.9887% | 4,612 |
| Total risk-based capital ratio | 14.2475% | 4,523 |
| Memoranda: | ||
| Average total assets | $167,084,500 | 3,413 |
| Average earning assets | $156,695,000 | 3,370 |
| Average equity | $17,462,000 | 3,526 |
| Average total loans | $126,286,000 | 2,977 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 1,290 |
| Cost of funding earning assets | 0.5293% | 2,398 |
| Net interest margin | 4.1772% | 1,364 |
| Noninterest income to average assets | 0.4617% | 3,764 |
| Noninterest expense to average assets | 2.8816% | 3,203 |
| Loan and lease loss provision to assets | 0.1543% | 1,701 |
| Net operating income to assets | 0.9023% | 2,859 |
| Return on assets (ROA) | 0.9011% | 2,955 |
| Pretax return on assets | 1.3208% | 2,175 |
| Return on Equity (ROE) | 8.4014% | 2,908 |
| Retained earnings to average equity (ytd only) | 1.0818% | 5,286 |
| Net charge-offs to loans | 0.2746% | 1,577 |
| Credit loss provision to net charge-offs | 72.4638% | 3,011 |
| Earnings coverage of net charge-offs (x) | 6.9362% | 3,116 |
| Efficiency ratio | 64.6984% | 4,456 |
| Assets per employee ($millions) | 3.2549% | 5,341 |
| Cash dividends to net income (ytd only)* | 87.1233% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 1,227 |
| Loan loss allowance to noncurrent loans | 335.4795% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 3,948 |
| Noncurrent loans to loans | 0.5764% | 3,941 |
| Net loans and leases to total assets | 74.8122% | 1,448 |
| Net loans and leases to deposits | 83.7474% | 2,245 |
| Net loans and leases to core deposits | 95.5785% | 1,760 |
| Total domestic deposits to total assets | 89.3308% | 1,054 |
| Equity capital to assets | 10.4246% | 3,584 |
| Core capital (leverage) ratio | 9.4975% | 4,241 |
| Tier 1 risk-based capital ratio | 12.6810% | 4,929 |
| Total risk-based capital ratio | 12.8142% | 5,536 |
| Memoranda: | ||
| Average total assets | $162,026,200 | 3,463 |
| Average earning assets | $151,154,600 | 3,424 |
| Average equity | $17,378,000 | 3,474 |
| Average total loans | $125,617,400 | 2,947 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 1,210 |
| Cost of funding earning assets | 0.5334% | 2,431 |
| Net interest margin | 4.2073% | 1,266 |
| Noninterest income to average assets | 0.4612% | 3,805 |
| Noninterest expense to average assets | 2.9029% | 3,104 |
| Loan and lease loss provision to assets | 0.0894% | 2,568 |
| Net operating income to assets | 0.9339% | 2,758 |
| Return on assets (ROA) | 0.9339% | 2,849 |
| Pretax return on assets | 1.3877% | 2,057 |
| Return on Equity (ROE) | 8.6453% | 2,876 |
| Retained earnings to average equity (ytd only) | 2.9048% | 4,531 |
| Net charge-offs to loans | 0.2404% | 1,605 |
| Credit loss provision to net charge-offs | 47.7876% | 3,144 |
| Earnings coverage of net charge-offs (x) | 7.8937% | 2,878 |
| Efficiency ratio | 64.7637% | 4,419 |
| Assets per employee ($millions) | 3.2250% | 5,379 |
| Cash dividends to net income (ytd only)* | 66.4007% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 1,457 |
| Loan loss allowance to noncurrent loans | 351.0854% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 4,224 |
| Noncurrent loans to loans | 0.5405% | 4,310 |
| Net loans and leases to total assets | 77.7826% | 980 |
| Net loans and leases to deposits | 90.0318% | 1,426 |
| Net loans and leases to core deposits | 103.4433% | 1,127 |
| Total domestic deposits to total assets | 86.3946% | 2,643 |
| Equity capital to assets | 10.8768% | 3,090 |
| Core capital (leverage) ratio | 9.7613% | 3,977 |
| Tier 1 risk-based capital ratio | 12.5514% | 5,138 |
| Total risk-based capital ratio | 13.8110% | 5,068 |
| Memoranda: | ||
| Average total assets | $161,032,500 | 3,507 |
| Average earning assets | $149,991,250 | 3,470 |
| Average equity | $17,396,250 | 3,485 |
| Average total loans | $125,362,250 | 2,970 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 1,266 |
| Cost of funding earning assets | 0.5329% | 2,512 |
| Net interest margin | 4.1753% | 1,297 |
| Noninterest income to average assets | 0.4535% | 3,845 |
| Noninterest expense to average assets | 2.8616% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9940% | 2,347 |
| Return on assets (ROA) | 0.9940% | 2,417 |
| Pretax return on assets | 1.4761% | 1,615 |
| Return on Equity (ROE) | 9.2226% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.2193% | 3,486 |
| Net charge-offs to loans | 0.0915% | 2,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.8421% | 1,569 |
| Efficiency ratio | 64.3369% | 4,640 |
| Assets per employee ($millions) | 3.1121% | 5,576 |
| Cash dividends to net income (ytd only)* | 54.2500% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 1,358 |
| Loan loss allowance to noncurrent loans | 251.4661% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 3,910 |
| Noncurrent loans to loans | 0.7954% | 3,705 |
| Net loans and leases to total assets | 76.7759% | 1,076 |
| Net loans and leases to deposits | 86.5592% | 1,763 |
| Net loans and leases to core deposits | 99.0885% | 1,355 |
| Total domestic deposits to total assets | 88.6976% | 1,537 |
| Equity capital to assets | 11.0503% | 2,825 |
| Core capital (leverage) ratio | 9.8086% | 3,875 |
| Tier 1 risk-based capital ratio | 12.8580% | 5,002 |
| Total risk-based capital ratio | 14.1182% | 4,933 |
| Memoranda: | ||
| Average total assets | $160,959,330 | 3,522 |
| Average earning assets | $149,737,670 | 3,488 |
| Average equity | $17,348,670 | 3,489 |
| Average total loans | $124,532,330 | 2,981 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 1,358 |
| Cost of funding earning assets | 0.5321% | 2,580 |
| Net interest margin | 4.1235% | 1,404 |
| Noninterest income to average assets | 0.4516% | 3,775 |
| Noninterest expense to average assets | 2.8554% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9625% | 2,340 |
| Return on assets (ROA) | 0.9625% | 2,413 |
| Pretax return on assets | 1.4215% | 1,675 |
| Return on Equity (ROE) | 9.0416% | 2,442 |
| Retained earnings to average equity (ytd only) | 6.9783% | 2,057 |
| Net charge-offs to loans | 0.1990% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.2903% | 1,948 |
| Efficiency ratio | 65.0894% | 4,675 |
| Assets per employee ($millions) | 3.1706% | 5,572 |
| Cash dividends to net income (ytd only)* | 22.8205% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 1,514 |
| Loan loss allowance to noncurrent loans | 212.6821% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 3,918 |
| Noncurrent loans to loans | 0.9406% | 3,539 |
| Net loans and leases to total assets | 75.1956% | 1,100 |
| Net loans and leases to deposits | 84.4383% | 1,779 |
| Net loans and leases to core deposits | 95.5011% | 1,425 |
| Total domestic deposits to total assets | 89.0539% | 1,623 |
| Equity capital to assets | 10.7761% | 2,952 |
| Core capital (leverage) ratio | 9.6588% | 4,049 |
| Tier 1 risk-based capital ratio | 12.7852% | 5,132 |
| Total risk-based capital ratio | 14.0301% | 5,073 |
| Memoranda: | ||
| Average total assets | $162,079,500 | 3,531 |
| Average earning assets | $150,356,500 | 3,505 |
| Average equity | $17,253,500 | 3,513 |
| Average total loans | $124,626,000 | 2,979 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 1,064 |
| Cost of funding earning assets | 0.6006% | 2,652 |
| Net interest margin | 4.3167% | 1,071 |
| Noninterest income to average assets | 0.4993% | 3,764 |
| Noninterest expense to average assets | 2.8666% | 3,471 |
| Loan and lease loss provision to assets | 0.1299% | 2,691 |
| Net operating income to assets | 1.0139% | 2,270 |
| Return on assets (ROA) | 1.0209% | 2,304 |
| Pretax return on assets | 1.5246% | 1,366 |
| Return on Equity (ROE) | 9.7734% | 2,207 |
| Retained earnings to average equity (ytd only) | 4.8511% | 2,699 |
| Net charge-offs to loans | 0.0819% | 4,066 |
| Credit loss provision to net charge-offs | 207.9208% | 1,108 |
| Earnings coverage of net charge-offs (x) | 26.3069% | 1,298 |
| Efficiency ratio | 61.8930% | 5,235 |
| Assets per employee ($millions) | 3.2492% | 5,394 |
| Cash dividends to net income (ytd only)* | 50.3636% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 1,485 |
| Loan loss allowance to noncurrent loans | 200.9479% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 3,908 |
| Noncurrent loans to loans | 1.0114% | 3,494 |
| Net loans and leases to total assets | 75.4866% | 1,151 |
| Net loans and leases to deposits | 84.6645% | 1,842 |
| Net loans and leases to core deposits | 96.2152% | 1,438 |
| Total domestic deposits to total assets | 89.1597% | 1,513 |
| Equity capital to assets | 10.5147% | 3,136 |
| Core capital (leverage) ratio | 9.4176% | 4,389 |
| Tier 1 risk-based capital ratio | 12.4100% | 5,344 |
| Total risk-based capital ratio | 13.6588% | 5,287 |
| Memoranda: | ||
| Average total assets | $161,618,000 | 3,535 |
| Average earning assets | $150,182,600 | 3,499 |
| Average equity | $16,882,600 | 3,578 |
| Average total loans | $123,301,400 | 2,980 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 1,090 |
| Cost of funding earning assets | 0.6128% | 2,711 |
| Net interest margin | 4.3027% | 1,089 |
| Noninterest income to average assets | 0.5064% | 3,761 |
| Noninterest expense to average assets | 2.8160% | 3,605 |
| Loan and lease loss provision to assets | 0.1404% | 2,535 |
| Net operating income to assets | 1.0441% | 2,206 |
| Return on assets (ROA) | 1.0441% | 2,287 |
| Pretax return on assets | 1.5579% | 1,452 |
| Return on Equity (ROE) | 10.0120% | 2,177 |
| Retained earnings to average equity (ytd only) | 6.2813% | 2,244 |
| Net charge-offs to loans | 0.0923% | 3,638 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 24.1883% | 1,433 |
| Efficiency ratio | 60.7136% | 5,325 |
| Assets per employee ($millions) | 3.2223% | 5,448 |
| Cash dividends to net income (ytd only)* | 37.2624% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 1,678 |
| Loan loss allowance to noncurrent loans | 263.7696% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 4,578 |
| Noncurrent loans to loans | 0.7656% | 4,314 |
| Net loans and leases to total assets | 75.8561% | 1,019 |
| Net loans and leases to deposits | 85.1292% | 1,730 |
| Net loans and leases to core deposits | 94.9375% | 1,482 |
| Total domestic deposits to total assets | 89.1070% | 1,505 |
| Equity capital to assets | 10.6143% | 3,145 |
| Core capital (leverage) ratio | 9.4474% | 4,479 |
| Tier 1 risk-based capital ratio | 12.4406% | 5,488 |
| Total risk-based capital ratio | 13.7088% | 5,418 |
| Memoranda: | ||
| Average total assets | $161,408,000 | 3,576 |
| Average earning assets | $150,351,750 | 3,528 |
| Average equity | $16,832,750 | 3,624 |
| Average total loans | $122,832,250 | 3,005 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 1,130 |
| Cost of funding earning assets | 0.6227% | 2,748 |
| Net interest margin | 4.2620% | 1,112 |
| Noninterest income to average assets | 0.5015% | 3,822 |
| Noninterest expense to average assets | 2.7751% | 3,766 |
| Loan and lease loss provision to assets | 0.0892% | 3,299 |
| Net operating income to assets | 1.0724% | 2,026 |
| Return on assets (ROA) | 1.0724% | 2,140 |
| Pretax return on assets | 1.6037% | 1,368 |
| Return on Equity (ROE) | 10.3444% | 2,066 |
| Retained earnings to average equity (ytd only) | 4.8377% | 3,156 |
| Net charge-offs to loans | 0.0671% | 3,747 |
| Credit loss provision to net charge-offs | 175.6098% | 1,350 |
| Earnings coverage of net charge-offs (x) | 33.3415% | 1,062 |
| Efficiency ratio | 60.4213% | 5,413 |
| Assets per employee ($millions) | 3.1511% | 5,582 |
| Cash dividends to net income (ytd only)* | 53.2333% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 1,847 |
| Loan loss allowance to noncurrent loans | 160.7562% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9825% | 3,796 |
| Noncurrent loans to loans | 1.2439% | 3,468 |
| Net loans and leases to total assets | 75.2035% | 1,088 |
| Net loans and leases to deposits | 84.1501% | 1,792 |
| Net loans and leases to core deposits | 94.2576% | 1,503 |
| Total domestic deposits to total assets | 89.3683% | 1,402 |
| Equity capital to assets | 10.4046% | 3,419 |
| Core capital (leverage) ratio | 9.2596% | 4,611 |
| Tier 1 risk-based capital ratio | 12.0917% | 5,741 |
| Total risk-based capital ratio | 13.3597% | 5,675 |
| Memoranda: | ||
| Average total assets | $161,506,330 | 3,588 |
| Average earning assets | $150,306,670 | 3,546 |
| Average equity | $16,743,330 | 3,662 |
| Average total loans | $122,198,670 | 3,018 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 1,104 |
| Cost of funding earning assets | 0.6368% | 2,771 |
| Net interest margin | 4.2560% | 1,058 |
| Noninterest income to average assets | 0.4669% | 4,012 |
| Noninterest expense to average assets | 2.8090% | 3,663 |
| Loan and lease loss provision to assets | 0.0420% | 3,902 |
| Net operating income to assets | 1.0574% | 2,009 |
| Return on assets (ROA) | 1.0574% | 2,125 |
| Pretax return on assets | 1.5787% | 1,354 |
| Return on Equity (ROE) | 10.2182% | 1,989 |
| Retained earnings to average equity (ytd only) | 8.1650% | 1,692 |
| Net charge-offs to loans | 0.1085% | 2,790 |
| Credit loss provision to net charge-offs | 51.5152% | 2,580 |
| Earnings coverage of net charge-offs (x) | 19.8788% | 1,202 |
| Efficiency ratio | 61.6843% | 5,347 |
| Assets per employee ($millions) | 3.1482% | 5,728 |
| Cash dividends to net income (ytd only)* | 20.0935% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 2,062 |
| Loan loss allowance to noncurrent loans | 169.2792% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 4,096 |
| Noncurrent loans to loans | 1.1780% | 3,809 |
| Net loans and leases to total assets | 74.0482% | 1,070 |
| Net loans and leases to deposits | 82.9515% | 1,717 |
| Net loans and leases to core deposits | 93.1339% | 1,406 |
| Total domestic deposits to total assets | 89.2669% | 1,511 |
| Equity capital to assets | 10.5195% | 3,522 |
| Core capital (leverage) ratio | 9.2222% | 4,528 |
| Tier 1 risk-based capital ratio | 12.2128% | 5,782 |
| Total risk-based capital ratio | 13.4805% | 5,730 |
| Memoranda: | ||
| Average total assets | $161,905,500 | 3,616 |
| Average earning assets | $150,751,000 | 3,581 |
| Average equity | $16,754,500 | 3,705 |
| Average total loans | $121,636,000 | 3,052 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1894% | 1,135 |
| Cost of funding earning assets | 0.7702% | 2,913 |
| Net interest margin | 4.4192% | 1,119 |
| Noninterest income to average assets | 0.5549% | 3,543 |
| Noninterest expense to average assets | 2.9420% | 3,494 |
| Loan and lease loss provision to assets | 0.3950% | 1,650 |
| Net operating income to assets | 0.9086% | 2,777 |
| Return on assets (ROA) | 0.9164% | 2,977 |
| Pretax return on assets | 1.3304% | 2,290 |
| Return on Equity (ROE) | 9.0979% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.4077% | 999 |
| Net charge-offs to loans | 0.1905% | 3,853 |
| Credit loss provision to net charge-offs | 274.1228% | 879 |
| Earnings coverage of net charge-offs (x) | 11.8947% | 1,989 |
| Efficiency ratio | 61.3275% | 5,339 |
| Assets per employee ($millions) | 3.2650% | 5,483 |
| Cash dividends to net income (ytd only)* | 7.5862% | 4,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 2,024 |
| Loan loss allowance to noncurrent loans | 308.1013% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 5,196 |
| Noncurrent loans to loans | 0.6477% | 4,899 |
| Net loans and leases to total assets | 73.2169% | 1,299 |
| Net loans and leases to deposits | 81.7565% | 2,031 |
| Net loans and leases to core deposits | 90.3407% | 1,796 |
| Total domestic deposits to total assets | 89.5548% | 1,216 |
| Equity capital to assets | 10.1800% | 3,914 |
| Core capital (leverage) ratio | 8.9915% | 4,908 |
| Tier 1 risk-based capital ratio | 11.9118% | 5,835 |
| Total risk-based capital ratio | 13.1794% | 5,786 |
| Memoranda: | ||
| Average total assets | $158,224,200 | 3,651 |
| Average earning assets | $146,838,000 | 3,610 |
| Average equity | $15,937,800 | 3,781 |
| Average total loans | $119,701,400 | 3,082 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 1,058 |
| Cost of funding earning assets | 0.8062% | 2,891 |
| Net interest margin | 4.4674% | 1,051 |
| Noninterest income to average assets | 0.5954% | 3,307 |
| Noninterest expense to average assets | 3.0460% | 3,072 |
| Loan and lease loss provision to assets | 0.4672% | 1,326 |
| Net operating income to assets | 0.8557% | 3,189 |
| Return on assets (ROA) | 0.8664% | 3,391 |
| Pretax return on assets | 1.2444% | 2,806 |
| Return on Equity (ROE) | 8.6251% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.8641% | 1,677 |
| Net charge-offs to loans | 0.1802% | 3,675 |
| Credit loss provision to net charge-offs | 341.6149% | 781 |
| Earnings coverage of net charge-offs (x) | 12.4038% | 2,004 |
| Efficiency ratio | 62.4037% | 5,084 |
| Assets per employee ($millions) | 3.2559% | 5,526 |
| Cash dividends to net income (ytd only)* | 8.8237% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 2,136 |
| Loan loss allowance to noncurrent loans | 192.1615% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0667% | 4,153 |
| Noncurrent loans to loans | 1.0472% | 4,347 |
| Net loans and leases to total assets | 75.6234% | 1,025 |
| Net loans and leases to deposits | 84.7229% | 1,773 |
| Net loans and leases to core deposits | 93.5052% | 1,623 |
| Total domestic deposits to total assets | 89.2597% | 1,276 |
| Equity capital to assets | 10.4139% | 3,941 |
| Core capital (leverage) ratio | 8.8005% | 5,347 |
| Tier 1 risk-based capital ratio | 11.6892% | 6,123 |
| Total risk-based capital ratio | 12.9572% | 6,092 |
| Memoranda: | ||
| Average total assets | $156,967,250 | 3,703 |
| Average earning assets | $145,704,000 | 3,666 |
| Average equity | $15,767,500 | 3,851 |
| Average total loans | $119,136,250 | 3,134 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 1,066 |
| Cost of funding earning assets | 0.8353% | 2,906 |
| Net interest margin | 4.4618% | 1,060 |
| Noninterest income to average assets | 0.6222% | 3,117 |
| Noninterest expense to average assets | 3.0510% | 3,079 |
| Loan and lease loss provision to assets | 0.6998% | 786 |
| Net operating income to assets | 0.7252% | 3,724 |
| Return on assets (ROA) | 0.7252% | 4,004 |
| Pretax return on assets | 1.0102% | 3,661 |
| Return on Equity (ROE) | 7.3085% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.1545% | 2,606 |
| Net charge-offs to loans | 0.2326% | 3,174 |
| Credit loss provision to net charge-offs | 398.5507% | 742 |
| Earnings coverage of net charge-offs (x) | 9.7391% | 2,136 |
| Efficiency ratio | 62.2662% | 5,202 |
| Assets per employee ($millions) | 3.1427% | 5,767 |
| Cash dividends to net income (ytd only)* | 15.7895% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0649% | 2,065 |
| Loan loss allowance to noncurrent loans | 71.5537% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 2.3133% | 2,418 |
| Noncurrent loans to loans | 2.8858% | 2,078 |
| Net loans and leases to total assets | 73.9498% | 1,250 |
| Net loans and leases to deposits | 82.4723% | 2,049 |
| Net loans and leases to core deposits | 92.9348% | 1,690 |
| Total domestic deposits to total assets | 89.6662% | 1,116 |
| Equity capital to assets | 10.0671% | 4,234 |
| Core capital (leverage) ratio | 8.5627% | 5,567 |
| Tier 1 risk-based capital ratio | 11.3622% | 6,304 |
| Total risk-based capital ratio | 12.6299% | 6,265 |
| Memoranda: | ||
| Average total assets | $157,196,000 | 3,714 |
| Average earning assets | $145,814,670 | 3,684 |
| Average equity | $15,598,330 | 3,868 |
| Average total loans | $118,644,330 | 3,165 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 1,272 |
| Cost of funding earning assets | 0.8981% | 2,708 |
| Net interest margin | 4.3232% | 1,395 |
| Noninterest income to average assets | 0.5521% | 3,552 |
| Noninterest expense to average assets | 3.2157% | 2,550 |
| Loan and lease loss provision to assets | 0.5470% | 1,080 |
| Net operating income to assets | 0.5928% | 4,379 |
| Return on assets (ROA) | 0.5928% | 4,596 |
| Pretax return on assets | 0.7938% | 4,434 |
| Return on Equity (ROE) | 6.0176% | 4,280 |
| Retained earnings to average equity (ytd only) | 6.0176% | 2,945 |
| Net charge-offs to loans | 0.4619% | 1,937 |
| Credit loss provision to net charge-offs | 156.9343% | 1,616 |
| Earnings coverage of net charge-offs (x) | 3.8467% | 2,727 |
| Efficiency ratio | 68.6767% | 4,037 |
| Assets per employee ($millions) | 3.1390% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 3,062 |
| Loan loss allowance to noncurrent loans | 60.5436% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.5364% | 2,330 |
| Noncurrent loans to loans | 2.9378% | 2,196 |
| Net loans and leases to total assets | 74.4495% | 993 |
| Net loans and leases to deposits | 82.9000% | 1,807 |
| Net loans and leases to core deposits | 95.1075% | 1,366 |
| Total domestic deposits to total assets | 89.8064% | 1,186 |
| Equity capital to assets | 9.9247% | 4,226 |
| Core capital (leverage) ratio | 8.4235% | 5,709 |
| Tier 1 risk-based capital ratio | 10.9790% | 6,548 |
| Total risk-based capital ratio | 12.2443% | 6,529 |
| Memoranda: | ||
| Average total assets | $157,226,500 | 3,740 |
| Average earning assets | $145,634,000 | 3,705 |
| Average equity | $15,488,000 | 3,894 |
| Average total loans | $118,641,000 | 3,183 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 1,684 |
| Cost of funding earning assets | 1.1966% | 2,049 |
| Net interest margin | 4.1086% | 2,396 |
| Noninterest income to average assets | 0.5183% | 3,734 |
| Noninterest expense to average assets | 2.9172% | 3,892 |
| Loan and lease loss provision to assets | 0.3878% | 2,666 |
| Net operating income to assets | 0.7354% | 3,315 |
| Return on assets (ROA) | 0.7354% | 3,487 |
| Pretax return on assets | 1.0321% | 3,116 |
| Return on Equity (ROE) | 7.6350% | 3,086 |
| Retained earnings to average equity (ytd only) | 5.1661% | 2,530 |
| Net charge-offs to loans | 0.2120% | 4,461 |
| Credit loss provision to net charge-offs | 245.9016% | 985 |
| Earnings coverage of net charge-offs (x) | 9.0041% | 2,052 |
| Efficiency ratio | 65.2213% | 4,917 |
| Assets per employee ($millions) | 3.0883% | 5,919 |
| Cash dividends to net income (ytd only)* | 32.3374% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 3,116 |
| Loan loss allowance to noncurrent loans | 49.3224% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.7670% | 2,195 |
| Noncurrent loans to loans | 3.4923% | 1,833 |
| Net loans and leases to total assets | 73.8268% | 1,302 |
| Net loans and leases to deposits | 82.2235% | 2,169 |
| Net loans and leases to core deposits | 95.0760% | 1,580 |
| Total domestic deposits to total assets | 89.7880% | 1,105 |
| Equity capital to assets | 9.7771% | 4,475 |
| Core capital (leverage) ratio | 8.2333% | 5,948 |
| Tier 1 risk-based capital ratio | 10.9997% | 6,456 |
| Total risk-based capital ratio | 12.2645% | 6,431 |
| Memoranda: | ||
| Average total assets | $154,738,000 | 3,724 |
| Average earning assets | $143,820,400 | 3,678 |
| Average equity | $14,905,000 | 3,931 |
| Average total loans | $115,110,000 | 3,270 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2598% | 1,993 |
| Cost of funding earning assets | 1.2406% | 2,061 |
| Net interest margin | 4.0192% | 2,836 |
| Noninterest income to average assets | 0.5089% | 3,801 |
| Noninterest expense to average assets | 2.9531% | 3,733 |
| Loan and lease loss provision to assets | 0.2943% | 3,169 |
| Net operating income to assets | 0.7158% | 3,527 |
| Return on assets (ROA) | 0.7158% | 3,702 |
| Pretax return on assets | 1.0023% | 3,389 |
| Return on Equity (ROE) | 7.4596% | 3,293 |
| Retained earnings to average equity (ytd only) | 6.0344% | 2,540 |
| Net charge-offs to loans | 0.2578% | 3,820 |
| Credit loss provision to net charge-offs | 153.8462% | 2,017 |
| Earnings coverage of net charge-offs (x) | 6.7783% | 2,487 |
| Efficiency ratio | 67.4134% | 4,440 |
| Assets per employee ($millions) | 3.0876% | 5,927 |
| Cash dividends to net income (ytd only)* | 19.1051% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,997 |
| Loan loss allowance to noncurrent loans | 44.8990% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 2.7109% | 2,391 |
| Noncurrent loans to loans | 3.3889% | 2,036 |
| Net loans and leases to total assets | 75.4630% | 1,066 |
| Net loans and leases to deposits | 84.2054% | 1,970 |
| Net loans and leases to core deposits | 97.4667% | 1,474 |
| Total domestic deposits to total assets | 89.6178% | 1,084 |
| Equity capital to assets | 9.8809% | 4,504 |
| Core capital (leverage) ratio | 8.1740% | 6,162 |
| Tier 1 risk-based capital ratio | 10.8108% | 6,654 |
| Total risk-based capital ratio | 12.0717% | 6,630 |
| Memoranda: | ||
| Average total assets | $154,047,250 | 3,756 |
| Average earning assets | $143,373,250 | 3,715 |
| Average equity | $14,781,500 | 3,963 |
| Average total loans | $114,308,500 | 3,316 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 1,967 |
| Cost of funding earning assets | 1.2854% | 2,035 |
| Net interest margin | 3.9916% | 2,877 |
| Noninterest income to average assets | 0.4560% | 4,238 |
| Noninterest expense to average assets | 2.8388% | 4,274 |
| Loan and lease loss provision to assets | 0.3170% | 2,888 |
| Net operating income to assets | 0.7198% | 3,444 |
| Return on assets (ROA) | 0.7198% | 3,557 |
| Pretax return on assets | 1.0121% | 3,198 |
| Return on Equity (ROE) | 7.5766% | 3,154 |
| Retained earnings to average equity (ytd only) | 5.4158% | 2,730 |
| Net charge-offs to loans | 0.3611% | 3,112 |
| Credit loss provision to net charge-offs | 119.6078% | 2,557 |
| Earnings coverage of net charge-offs (x) | 5.0147% | 2,714 |
| Efficiency ratio | 65.9913% | 4,872 |
| Assets per employee ($millions) | 3.0977% | 5,884 |
| Cash dividends to net income (ytd only)* | 28.5199% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 4,073 |
| Loan loss allowance to noncurrent loans | 54.3046% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 2.1687% | 3,029 |
| Noncurrent loans to loans | 2.7850% | 2,613 |
| Net loans and leases to total assets | 72.3997% | 1,705 |
| Net loans and leases to deposits | 80.4859% | 2,709 |
| Net loans and leases to core deposits | 93.4016% | 1,972 |
| Total domestic deposits to total assets | 89.9533% | 1,001 |
| Equity capital to assets | 9.6148% | 4,642 |
| Core capital (leverage) ratio | 7.9236% | 6,388 |
| Tier 1 risk-based capital ratio | 10.8805% | 6,611 |
| Total risk-based capital ratio | 12.1421% | 6,574 |
| Memoranda: | ||
| Average total assets | $153,936,670 | 3,778 |
| Average earning assets | $143,151,670 | 3,741 |
| Average equity | $14,624,000 | 3,976 |
| Average total loans | $112,978,330 | 3,387 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 2,571 |
| Cost of funding earning assets | 1.3164% | 2,090 |
| Net interest margin | 3.8005% | 3,614 |
| Noninterest income to average assets | 0.5239% | 3,697 |
| Noninterest expense to average assets | 2.7655% | 4,583 |
| Loan and lease loss provision to assets | 0.3102% | 2,688 |
| Net operating income to assets | 0.7090% | 3,481 |
| Return on assets (ROA) | 0.7090% | 3,549 |
| Pretax return on assets | 0.9774% | 3,210 |
| Return on Equity (ROE) | 7.5086% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.5086% | 1,935 |
| Net charge-offs to loans | 0.3803% | 2,547 |
| Credit loss provision to net charge-offs | 111.2150% | 2,406 |
| Earnings coverage of net charge-offs (x) | 4.6168% | 2,431 |
| Efficiency ratio | 66.0450% | 5,032 |
| Assets per employee ($millions) | 3.2777% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 4,234 |
| Loan loss allowance to noncurrent loans | 48.6922% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 2.3843% | 2,855 |
| Noncurrent loans to loans | 3.0715% | 2,442 |
| Net loans and leases to total assets | 72.4271% | 1,624 |
| Net loans and leases to deposits | 80.3969% | 2,638 |
| Net loans and leases to core deposits | 93.0101% | 2,009 |
| Total domestic deposits to total assets | 90.0870% | 1,102 |
| Equity capital to assets | 9.5138% | 4,413 |
| Core capital (leverage) ratio | 8.0109% | 6,246 |
| Tier 1 risk-based capital ratio | 10.7532% | 6,661 |
| Total risk-based capital ratio | 11.9932% | 6,655 |
| Memoranda: | ||
| Average total assets | $153,462,000 | 3,822 |
| Average earning assets | $142,508,500 | 3,782 |
| Average equity | $14,490,000 | 3,996 |
| Average total loans | $112,538,000 | 3,431 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 1,551 |
| Cost of funding earning assets | 1.5680% | 2,253 |
| Net interest margin | 4.1378% | 2,417 |
| Noninterest income to average assets | 0.5739% | 3,638 |
| Noninterest expense to average assets | 2.9672% | 3,973 |
| Loan and lease loss provision to assets | 0.4985% | 3,159 |
| Net operating income to assets | 0.6765% | 3,317 |
| Return on assets (ROA) | 0.6770% | 3,450 |
| Pretax return on assets | 0.9430% | 3,125 |
| Return on Equity (ROE) | 7.1249% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.6223% | 2,651 |
| Net charge-offs to loans | 0.3808% | 4,136 |
| Credit loss provision to net charge-offs | 173.3021% | 1,941 |
| Earnings coverage of net charge-offs (x) | 5.0094% | 2,737 |
| Efficiency ratio | 65.2200% | 5,120 |
| Assets per employee ($millions) | 3.2526% | 5,534 |
| Cash dividends to net income (ytd only)* | 35.1244% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,981 |
| Loan loss allowance to noncurrent loans | 170.5882% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 5,459 |
| Noncurrent loans to loans | 0.8819% | 5,300 |
| Net loans and leases to total assets | 72.0371% | 2,101 |
| Net loans and leases to deposits | 79.8836% | 3,197 |
| Net loans and leases to core deposits | 92.9930% | 2,386 |
| Total domestic deposits to total assets | 90.1775% | 1,002 |
| Equity capital to assets | 9.3698% | 4,588 |
| Core capital (leverage) ratio | 7.8259% | 6,407 |
| Tier 1 risk-based capital ratio | 10.6201% | 6,624 |
| Total risk-based capital ratio | 11.8812% | 6,585 |
| Memoranda: | ||
| Average total assets | $148,455,200 | 3,901 |
| Average earning assets | $137,559,400 | 3,864 |
| Average equity | $14,105,400 | 4,121 |
| Average total loans | $112,123,600 | 3,490 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7841% | 1,446 |
| Cost of funding earning assets | 1.6145% | 2,309 |
| Net interest margin | 4.1696% | 2,336 |
| Noninterest income to average assets | 0.5809% | 3,575 |
| Noninterest expense to average assets | 2.9489% | 3,925 |
| Loan and lease loss provision to assets | 0.5429% | 2,777 |
| Net operating income to assets | 0.6825% | 3,502 |
| Return on assets (ROA) | 0.6832% | 3,652 |
| Pretax return on assets | 0.9528% | 3,353 |
| Return on Equity (ROE) | 7.1643% | 3,275 |
| Retained earnings to average equity (ytd only) | 4.9723% | 3,010 |
| Net charge-offs to loans | 0.4147% | 3,634 |
| Credit loss provision to net charge-offs | 171.9198% | 2,152 |
| Earnings coverage of net charge-offs (x) | 4.7335% | 2,942 |
| Efficiency ratio | 64.2843% | 5,193 |
| Assets per employee ($millions) | 3.1024% | 5,915 |
| Cash dividends to net income (ytd only)* | 30.5958% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 4,374 |
| Loan loss allowance to noncurrent loans | 181.4110% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 5,277 |
| Noncurrent loans to loans | 0.7797% | 5,653 |
| Net loans and leases to total assets | 75.8187% | 1,444 |
| Net loans and leases to deposits | 84.5739% | 2,601 |
| Net loans and leases to core deposits | 99.4232% | 1,899 |
| Total domestic deposits to total assets | 89.6479% | 1,052 |
| Equity capital to assets | 9.6765% | 4,574 |
| Core capital (leverage) ratio | 7.8808% | 6,486 |
| Tier 1 risk-based capital ratio | 10.1858% | 6,964 |
| Total risk-based capital ratio | 11.4458% | 6,937 |
| Memoranda: | ||
| Average total assets | $147,350,500 | 3,972 |
| Average earning assets | $136,507,750 | 3,931 |
| Average equity | $14,050,750 | 4,189 |
| Average total loans | $112,202,500 | 3,547 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7852% | 1,460 |
| Cost of funding earning assets | 1.6410% | 2,429 |
| Net interest margin | 4.1443% | 2,351 |
| Noninterest income to average assets | 0.5558% | 3,660 |
| Noninterest expense to average assets | 2.9477% | 3,901 |
| Loan and lease loss provision to assets | 0.5108% | 2,757 |
| Net operating income to assets | 0.6746% | 3,512 |
| Return on assets (ROA) | 0.6756% | 3,654 |
| Pretax return on assets | 0.9412% | 3,343 |
| Return on Equity (ROE) | 7.1208% | 3,246 |
| Retained earnings to average equity (ytd only) | 3.8045% | 3,672 |
| Net charge-offs to loans | 0.4703% | 3,126 |
| Credit loss provision to net charge-offs | 143.1298% | 2,773 |
| Earnings coverage of net charge-offs (x) | 4.0649% | 3,073 |
| Efficiency ratio | 64.9117% | 5,162 |
| Assets per employee ($millions) | 3.0894% | 5,946 |
| Cash dividends to net income (ytd only)* | 46.5726% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,908 |
| Loan loss allowance to noncurrent loans | 279.6226% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 5,894 |
| Noncurrent loans to loans | 0.4656% | 6,321 |
| Net loans and leases to total assets | 75.7696% | 1,532 |
| Net loans and leases to deposits | 84.3254% | 2,815 |
| Net loans and leases to core deposits | 96.6588% | 2,368 |
| Total domestic deposits to total assets | 89.8539% | 991 |
| Equity capital to assets | 9.4630% | 4,763 |
| Core capital (leverage) ratio | 7.7486% | 6,558 |
| Tier 1 risk-based capital ratio | 9.8858% | 7,085 |
| Total risk-based capital ratio | 11.1406% | 7,060 |
| Memoranda: | ||
| Average total assets | $146,828,330 | 4,015 |
| Average earning assets | $136,139,330 | 3,970 |
| Average equity | $13,931,000 | 4,217 |
| Average total loans | $111,427,670 | 3,600 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7754% | 1,539 |
| Cost of funding earning assets | 1.6865% | 2,455 |
| Net interest margin | 4.0889% | 2,487 |
| Noninterest income to average assets | 0.4545% | 4,426 |
| Noninterest expense to average assets | 2.8036% | 4,468 |
| Loan and lease loss provision to assets | 0.4107% | 2,906 |
| Net operating income to assets | 0.7263% | 3,328 |
| Return on assets (ROA) | 0.7283% | 3,426 |
| Pretax return on assets | 1.0267% | 2,982 |
| Return on Equity (ROE) | 7.6657% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.6657% | 1,854 |
| Net charge-offs to loans | 0.1742% | 3,881 |
| Credit loss provision to net charge-offs | 312.5000% | 1,259 |
| Earnings coverage of net charge-offs (x) | 10.9167% | 1,694 |
| Efficiency ratio | 63.9535% | 5,504 |
| Assets per employee ($millions) | 2.9905% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,787 |
| Loan loss allowance to noncurrent loans | 122.8906% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 5,119 |
| Noncurrent loans to loans | 1.0805% | 5,190 |
| Net loans and leases to total assets | 74.5943% | 1,835 |
| Net loans and leases to deposits | 83.0284% | 3,101 |
| Net loans and leases to core deposits | 94.2683% | 2,811 |
| Total domestic deposits to total assets | 89.8419% | 1,072 |
| Equity capital to assets | 9.5541% | 4,450 |
| Core capital (leverage) ratio | 7.8525% | 6,433 |
| Tier 1 risk-based capital ratio | 10.1683% | 6,912 |
| Total risk-based capital ratio | 11.4246% | 6,893 |
| Memoranda: | ||
| Average total assets | $146,096,000 | 4,093 |
| Average earning assets | $135,195,000 | 4,053 |
| Average equity | $13,880,000 | 4,268 |
| Average total loans | $110,220,000 | 3,676 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0615% | 1,633 |
| Cost of funding earning assets | 2.0122% | 2,907 |
| Net interest margin | 4.0494% | 2,654 |
| Noninterest income to average assets | 0.7043% | 2,936 |
| Noninterest expense to average assets | 3.2401% | 3,233 |
| Loan and lease loss provision to assets | 0.5851% | 3,453 |
| Net operating income to assets | 0.4594% | 3,893 |
| Return on assets (ROA) | 0.5221% | 3,728 |
| Pretax return on assets | 0.6776% | 3,655 |
| Return on Equity (ROE) | 5.2023% | 3,579 |
| Retained earnings to average equity (ytd only) | 2.7008% | 3,262 |
| Net charge-offs to loans | 0.3572% | 4,443 |
| Credit loss provision to net charge-offs | 217.6309% | 1,747 |
| Earnings coverage of net charge-offs (x) | 4.3939% | 2,965 |
| Efficiency ratio | 70.9883% | 4,443 |
| Assets per employee ($millions) | 3.1665% | 5,798 |
| Cash dividends to net income (ytd only)* | 48.0851% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 5,065 |
| Loan loss allowance to noncurrent loans | 103.5552% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 4,869 |
| Noncurrent loans to loans | 1.2055% | 4,934 |
| Net loans and leases to total assets | 74.3481% | 2,180 |
| Net loans and leases to deposits | 82.7133% | 3,501 |
| Net loans and leases to core deposits | 104.2230% | 3,547 |
| Total domestic deposits to total assets | 89.8866% | 1,021 |
| Equity capital to assets | 9.4468% | 4,493 |
| Core capital (leverage) ratio | 7.8017% | 6,448 |
| Tier 1 risk-based capital ratio | 9.9651% | 6,906 |
| Total risk-based capital ratio | 11.2129% | 6,882 |
| Memoranda: | ||
| Average total assets | $135,027,200 | 4,238 |
| Average earning assets | $123,945,200 | 4,217 |
| Average equity | $13,551,600 | 4,371 |
| Average total loans | $101,618,000 | 3,907 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1094% | 1,619 |
| Cost of funding earning assets | 2.0698% | 3,034 |
| Net interest margin | 4.0396% | 2,635 |
| Noninterest income to average assets | 0.7585% | 2,658 |
| Noninterest expense to average assets | 3.3411% | 2,761 |
| Loan and lease loss provision to assets | 0.4784% | 3,514 |
| Net operating income to assets | 0.4870% | 4,041 |
| Return on assets (ROA) | 0.5701% | 3,795 |
| Pretax return on assets | 0.7554% | 3,690 |
| Return on Equity (ROE) | 5.5902% | 3,701 |
| Retained earnings to average equity (ytd only) | 3.4766% | 3,349 |
| Net charge-offs to loans | 0.2824% | 4,266 |
| Credit loss provision to net charge-offs | 225.1185% | 1,939 |
| Earnings coverage of net charge-offs (x) | 5.2843% | 2,874 |
| Efficiency ratio | 72.5181% | 4,145 |
| Assets per employee ($millions) | 2.9635% | 6,259 |
| Cash dividends to net income (ytd only)* | 37.8096% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 5,611 |
| Loan loss allowance to noncurrent loans | 121.6953% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9448% | 5,177 |
| Noncurrent loans to loans | 0.9186% | 5,452 |
| Net loans and leases to total assets | 76.5892% | 1,877 |
| Net loans and leases to deposits | 85.7878% | 3,359 |
| Net loans and leases to core deposits | 106.8682% | 3,607 |
| Total domestic deposits to total assets | 89.2775% | 1,070 |
| Equity capital to assets | 9.8904% | 4,225 |
| Core capital (leverage) ratio | 8.1140% | 6,165 |
| Tier 1 risk-based capital ratio | 9.8903% | 7,061 |
| Total risk-based capital ratio | 10.9861% | 7,168 |
| Memoranda: | ||
| Average total assets | $132,369,500 | 4,310 |
| Average earning assets | $121,426,750 | 4,310 |
| Average equity | $13,499,500 | 4,413 |
| Average total loans | $99,606,750 | 4,001 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9880% | 2,229 |
| Cost of funding earning assets | 2.1316% | 3,124 |
| Net interest margin | 3.8564% | 3,312 |
| Noninterest income to average assets | 0.8134% | 2,346 |
| Noninterest expense to average assets | 3.3645% | 2,742 |
| Loan and lease loss provision to assets | 0.4229% | 3,430 |
| Net operating income to assets | 0.4219% | 4,415 |
| Return on assets (ROA) | 0.5505% | 3,999 |
| Pretax return on assets | 0.7227% | 3,926 |
| Return on Equity (ROE) | 5.3404% | 3,943 |
| Retained earnings to average equity (ytd only) | 2.1481% | 4,152 |
| Net charge-offs to loans | 0.0702% | 5,527 |
| Credit loss provision to net charge-offs | 808.8235% | 585 |
| Earnings coverage of net charge-offs (x) | 18.6765% | 1,398 |
| Efficiency ratio | 75.0974% | 3,862 |
| Assets per employee ($millions) | 2.7715% | 6,697 |
| Cash dividends to net income (ytd only)* | 59.7765% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,165 |
| Loan loss allowance to noncurrent loans | 86.0990% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.2335% | 4,478 |
| Noncurrent loans to loans | 1.3531% | 4,507 |
| Net loans and leases to total assets | 75.4405% | 2,334 |
| Net loans and leases to deposits | 84.5821% | 3,778 |
| Net loans and leases to core deposits | 98.4259% | 4,659 |
| Total domestic deposits to total assets | 89.1921% | 1,172 |
| Equity capital to assets | 10.0600% | 3,860 |
| Core capital (leverage) ratio | 8.1755% | 6,018 |
| Tier 1 risk-based capital ratio | 10.3253% | 6,567 |
| Total risk-based capital ratio | 11.4730% | 6,617 |
| Memoranda: | ||
| Average total assets | $130,064,000 | 4,390 |
| Average earning assets | $118,971,670 | 4,395 |
| Average equity | $13,407,330 | 4,444 |
| Average total loans | $96,847,670 | 4,097 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0353% | 2,215 |
| Cost of funding earning assets | 2.1594% | 3,373 |
| Net interest margin | 3.8759% | 3,157 |
| Noninterest income to average assets | 0.7777% | 2,442 |
| Noninterest expense to average assets | 3.2229% | 2,886 |
| Loan and lease loss provision to assets | 0.2333% | 4,112 |
| Net operating income to assets | 0.6222% | 3,927 |
| Return on assets (ROA) | 0.6222% | 4,109 |
| Pretax return on assets | 0.8617% | 3,854 |
| Return on Equity (ROE) | 5.9615% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.9615% | 2,645 |
| Net charge-offs to loans | 0.0042% | 5,657 |
| Credit loss provision to net charge-offs | 7,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 104 |
| Efficiency ratio | 72.1902% | 4,161 |
| Assets per employee ($millions) | 2.8892% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 5,701 |
| Loan loss allowance to noncurrent loans | 120.7838% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 5,061 |
| Noncurrent loans to loans | 0.8836% | 5,239 |
| Net loans and leases to total assets | 72.5086% | 3,121 |
| Net loans and leases to deposits | 81.5890% | 4,351 |
| Net loans and leases to core deposits | 93.6158% | 5,196 |
| Total domestic deposits to total assets | 88.8705% | 1,292 |
| Equity capital to assets | 10.4165% | 3,553 |
| Core capital (leverage) ratio | 8.5952% | 5,352 |
| Tier 1 risk-based capital ratio | 11.0168% | 5,899 |
| Total risk-based capital ratio | 12.0673% | 5,981 |
| Memoranda: | ||
| Average total assets | $128,580,000 | 4,442 |
| Average earning assets | $117,442,500 | 4,443 |
| Average equity | $13,419,500 | 4,470 |
| Average total loans | $94,500,000 | 4,191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3034% | 3,946 |
| Cost of funding earning assets | 2.8102% | 2,661 |
| Net interest margin | 3.4932% | 5,319 |
| Noninterest income to average assets | 0.5755% | 4,046 |
| Noninterest expense to average assets | 3.1742% | 3,434 |
| Loan and lease loss provision to assets | 0.2038% | 4,852 |
| Net operating income to assets | 0.3670% | 5,287 |
| Return on assets (ROA) | 0.3693% | 5,078 |
| Pretax return on assets | 0.3789% | 5,319 |
| Return on Equity (ROE) | 3.5296% | 5,028 |
| Retained earnings to average equity (ytd only) | -0.1978% | 5,338 |
| Net charge-offs to loans | 0.0906% | 5,447 |
| Credit loss provision to net charge-offs | 345.9459% | 1,307 |
| Earnings coverage of net charge-offs (x) | 9.8514% | 2,618 |
| Efficiency ratio | 81.6409% | 2,354 |
| Assets per employee ($millions) | 2.7052% | 6,774 |
| Cash dividends to net income (ytd only)* | 105.6034% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 5,992 |
| Loan loss allowance to noncurrent loans | 121.3918% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 4,798 |
| Noncurrent loans to loans | 0.8281% | 4,981 |
| Net loans and leases to total assets | 72.9632% | 3,367 |
| Net loans and leases to deposits | 82.1728% | 4,699 |
| Net loans and leases to core deposits | 91.6138% | 5,675 |
| Total domestic deposits to total assets | 88.7923% | 1,115 |
| Equity capital to assets | 10.4574% | 3,549 |
| Core capital (leverage) ratio | 8.5042% | 5,576 |
| Tier 1 risk-based capital ratio | 10.9438% | 5,777 |
| Total risk-based capital ratio | 11.9322% | 5,930 |
| Memoranda: | ||
| Average total assets | $125,638,200 | 4,381 |
| Average earning assets | $114,335,200 | 4,406 |
| Average equity | $13,145,800 | 4,535 |
| Average total loans | $81,712,400 | 4,463 |