Home > Wayne Savings Community Bank > Performance and Condition Ratios
Wayne Savings Community 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 | 4.7842% | 2,508 |
| Cost of funding earning assets | 1.7512% | 1,349 |
| Net interest margin | 3.0330% | 3,215 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.8978% | 3,842 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0267% | 2,126 |
| Return on assets (ROA) | 1.0267% | 2,109 |
| Pretax return on assets | 1.2896% | 1,896 |
| Return on Equity (ROE) | 16.4700% | 1,022 |
| Retained earnings to average equity (ytd only) | 12.2761% | 609 |
| Net charge-offs to loans | 0.0016% | 2,775 |
| Credit loss provision to net charge-offs | 5,570.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 1,050.8000% | 148 |
| Efficiency ratio | 58.2883% | 3,264 |
| Assets per employee ($millions) | 7.0539% | 2,037 |
| Cash dividends to net income (ytd only)* | 25.4658% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 2,961 |
| Loan loss allowance to noncurrent loans | 1,136.0374% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 3,015 |
| Noncurrent loans to loans | 0.0946% | 3,072 |
| Net loans and leases to total assets | 82.6400% | 378 |
| Net loans and leases to deposits | 96.2723% | 763 |
| Net loans and leases to core deposits | 122.1397% | 565 |
| Total domestic deposits to total assets | 85.8400% | 2,065 |
| Equity capital to assets | 6.5145% | 4,108 |
| Core capital (leverage) ratio | 7.5729% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7468% | 2,847 |
| Memoranda: | ||
| Average total assets | $773,738,600 | 1,210 |
| Average earning assets | $737,760,600 | 1,186 |
| Average equity | $48,232,000 | 1,654 |
| Average total loans | $644,861,400 | 1,032 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 2,478 |
| Cost of funding earning assets | 1.5714% | 1,429 |
| Net interest margin | 3.1266% | 3,089 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.9121% | 3,785 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0267% | 2,282 |
| Return on assets (ROA) | 1.0267% | 2,271 |
| Pretax return on assets | 1.3033% | 2,032 |
| Return on Equity (ROE) | 16.6700% | 1,139 |
| Retained earnings to average equity (ytd only) | 12.3734% | 909 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.8165% | 3,225 |
| Assets per employee ($millions) | 7.3413% | 1,736 |
| Cash dividends to net income (ytd only)* | 25.7730% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 2,946 |
| Loan loss allowance to noncurrent loans | 913.3333% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 2,913 |
| Noncurrent loans to loans | 0.1186% | 2,972 |
| Net loans and leases to total assets | 82.8500% | 370 |
| Net loans and leases to deposits | 100.9587% | 475 |
| Net loans and leases to core deposits | 127.1012% | 394 |
| Total domestic deposits to total assets | 82.0600% | 3,196 |
| Equity capital to assets | 5.9324% | 4,014 |
| Core capital (leverage) ratio | 7.4991% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4921% | 2,887 |
| Memoranda: | ||
| Average total assets | $764,372,250 | 1,220 |
| Average earning assets | $728,749,000 | 1,192 |
| Average equity | $47,078,500 | 1,668 |
| Average total loans | $636,663,750 | 1,039 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 2,403 |
| Cost of funding earning assets | 1.3694% | 1,532 |
| Net interest margin | 3.2376% | 2,892 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.9287% | 3,759 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.0874% | 2,155 |
| Return on assets (ROA) | 1.0874% | 2,149 |
| Pretax return on assets | 1.3872% | 1,848 |
| Return on Equity (ROE) | 17.4300% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.1210% | 790 |
| Net charge-offs to loans | -0.0003% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.4099% | 3,368 |
| Assets per employee ($millions) | 7.1461% | 1,818 |
| Cash dividends to net income (ytd only)* | 24.7128% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 2,964 |
| Loan loss allowance to noncurrent loans | 810.6407% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 2,739 |
| Noncurrent loans to loans | 0.1354% | 2,795 |
| Net loans and leases to total assets | 82.6900% | 351 |
| Net loans and leases to deposits | 99.2923% | 554 |
| Net loans and leases to core deposits | 120.9140% | 493 |
| Total domestic deposits to total assets | 83.2800% | 2,986 |
| Equity capital to assets | 6.2689% | 4,077 |
| Core capital (leverage) ratio | 7.5900% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6001% | 2,897 |
| Memoranda: | ||
| Average total assets | $752,430,667 | 1,234 |
| Average earning assets | $718,128,000 | 1,204 |
| Average equity | $46,947,667 | 1,673 |
| Average total loans | $625,485,333 | 1,036 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 2,394 |
| Cost of funding earning assets | 1.1556% | 1,573 |
| Net interest margin | 3.3125% | 2,848 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.8052% | 4,020 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.2451% | 1,810 |
| Return on assets (ROA) | 1.2451% | 1,784 |
| Pretax return on assets | 1.5531% | 1,571 |
| Return on Equity (ROE) | 20.0000% | 767 |
| Retained earnings to average equity (ytd only) | 15.6347% | 726 |
| Net charge-offs to loans | -0.0006% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.9368% | 3,784 |
| Assets per employee ($millions) | 7.6939% | 1,511 |
| Cash dividends to net income (ytd only)* | 21.8426% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,020 |
| Loan loss allowance to noncurrent loans | 595.8869% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 2,420 |
| Noncurrent loans to loans | 0.1857% | 2,551 |
| Net loans and leases to total assets | 82.4000% | 332 |
| Net loans and leases to deposits | 98.2565% | 525 |
| Net loans and leases to core deposits | 119.0110% | 463 |
| Total domestic deposits to total assets | 83.8700% | 3,115 |
| Equity capital to assets | 6.3408% | 4,090 |
| Core capital (leverage) ratio | 7.5773% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5928% | 2,987 |
| Memoranda: | ||
| Average total assets | $742,756,000 | 1,260 |
| Average earning assets | $709,561,000 | 1,226 |
| Average equity | $46,230,500 | 1,706 |
| Average total loans | $615,579,500 | 1,069 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 1,598 |
| Cost of funding earning assets | 0.4750% | 1,552 |
| Net interest margin | 3.5725% | 1,720 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.9302% | 3,769 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.3557% | 1,263 |
| Return on assets (ROA) | 1.3557% | 1,221 |
| Pretax return on assets | 1.6762% | 980 |
| Return on Equity (ROE) | 19.7300% | 503 |
| Retained earnings to average equity (ytd only) | 5.2642% | 2,945 |
| Net charge-offs to loans | 0.0011% | 2,531 |
| Credit loss provision to net charge-offs | 20,366.6667% | 34 |
| Earnings coverage of net charge-offs (x) | 2,084.5000% | 83 |
| Efficiency ratio | 50.9568% | 4,067 |
| Assets per employee ($millions) | 7.6199% | 1,530 |
| Cash dividends to net income (ytd only)* | 73.3209% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 2,874 |
| Loan loss allowance to noncurrent loans | 314.5017% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 1,695 |
| Noncurrent loans to loans | 0.3512% | 1,888 |
| Net loans and leases to total assets | 81.5000% | 453 |
| Net loans and leases to deposits | 97.8109% | 533 |
| Net loans and leases to core deposits | 108.6202% | 654 |
| Total domestic deposits to total assets | 83.3300% | 3,348 |
| Equity capital to assets | 6.1039% | 4,054 |
| Core capital (leverage) ratio | 7.6869% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5702% | 3,024 |
| Memoranda: | ||
| Average total assets | $673,240,200 | 1,342 |
| Average earning assets | $641,293,200 | 1,315 |
| Average equity | $46,255,800 | 1,724 |
| Average total loans | $526,191,600 | 1,137 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 1,452 |
| Cost of funding earning assets | 0.3826% | 1,419 |
| Net interest margin | 3.5310% | 1,575 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.9258% | 3,688 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.3554% | 1,203 |
| Return on assets (ROA) | 1.3554% | 1,179 |
| Pretax return on assets | 1.6688% | 962 |
| Return on Equity (ROE) | 19.1300% | 519 |
| Retained earnings to average equity (ytd only) | 1.4517% | 4,149 |
| Net charge-offs to loans | 0.0026% | 2,161 |
| Credit loss provision to net charge-offs | 8,410.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 908.5000% | 172 |
| Efficiency ratio | 51.1533% | 4,075 |
| Assets per employee ($millions) | 7.3282% | 1,727 |
| Cash dividends to net income (ytd only)* | 92.4134% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 2,943 |
| Loan loss allowance to noncurrent loans | 512.0816% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 2,394 |
| Noncurrent loans to loans | 0.2178% | 2,521 |
| Net loans and leases to total assets | 80.7400% | 470 |
| Net loans and leases to deposits | 93.3193% | 677 |
| Net loans and leases to core deposits | 100.7923% | 787 |
| Total domestic deposits to total assets | 86.5200% | 2,916 |
| Equity capital to assets | 6.0139% | 3,961 |
| Core capital (leverage) ratio | 7.7298% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8164% | 3,062 |
| Memoranda: | ||
| Average total assets | $658,672,750 | 1,368 |
| Average earning assets | $626,966,750 | 1,341 |
| Average equity | $46,657,000 | 1,731 |
| Average total loans | $507,022,000 | 1,165 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 1,499 |
| Cost of funding earning assets | 0.3659% | 1,144 |
| Net interest margin | 3.3508% | 1,754 |
| Noninterest income to average assets | 0.4329% | 2,554 |
| Noninterest expense to average assets | 1.9118% | 3,674 |
| Loan and lease loss provision to assets | 0.1329% | 722 |
| Net operating income to assets | 1.2824% | 1,189 |
| Return on assets (ROA) | 1.2824% | 1,170 |
| Pretax return on assets | 1.5760% | 997 |
| Return on Equity (ROE) | 17.1858% | 548 |
| Retained earnings to average equity (ytd only) | -7.5537% | 4,611 |
| Net charge-offs to loans | 0.0004% | 2,148 |
| Credit loss provision to net charge-offs | 43,100.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 5,542.0000% | 8 |
| Efficiency ratio | 52.8019% | 4,064 |
| Assets per employee ($millions) | 6.4894% | 2,325 |
| Cash dividends to net income (ytd only)* | 143.9529% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 3,058 |
| Loan loss allowance to noncurrent loans | 406.6482% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,206 |
| Noncurrent loans to loans | 0.2768% | 2,360 |
| Net loans and leases to total assets | 78.7098% | 505 |
| Net loans and leases to deposits | 90.3240% | 700 |
| Net loans and leases to core deposits | 93.4544% | 946 |
| Total domestic deposits to total assets | 87.1416% | 2,888 |
| Equity capital to assets | 6.4016% | 4,058 |
| Core capital (leverage) ratio | 7.6490% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5851% | 3,062 |
| Memoranda: | ||
| Average total assets | $648,614,000 | 1,389 |
| Average earning assets | $617,054,667 | 1,371 |
| Average equity | $48,400,333 | 1,722 |
| Average total loans | $488,543,333 | 1,192 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 1,471 |
| Cost of funding earning assets | 0.3675% | 1,075 |
| Net interest margin | 3.2450% | 1,739 |
| Noninterest income to average assets | 0.5201% | 2,044 |
| Noninterest expense to average assets | 1.8915% | 3,700 |
| Loan and lease loss provision to assets | 0.1079% | 778 |
| Net operating income to assets | 1.3069% | 990 |
| Return on assets (ROA) | 1.3069% | 979 |
| Pretax return on assets | 1.6082% | 815 |
| Return on Equity (ROE) | 16.3343% | 502 |
| Retained earnings to average equity (ytd only) | 12.1112% | 584 |
| Net charge-offs to loans | 0.0008% | 1,812 |
| Credit loss provision to net charge-offs | 17,400.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 2,768.0000% | 19 |
| Efficiency ratio | 52.4317% | 4,169 |
| Assets per employee ($millions) | 6.7354% | 2,196 |
| Cash dividends to net income (ytd only)* | 25.8539% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 3,039 |
| Loan loss allowance to noncurrent loans | 508.1448% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,598 |
| Noncurrent loans to loans | 0.2289% | 2,680 |
| Net loans and leases to total assets | 73.0260% | 734 |
| Net loans and leases to deposits | 84.4653% | 860 |
| Net loans and leases to core deposits | 87.4342% | 1,054 |
| Total domestic deposits to total assets | 86.4569% | 3,118 |
| Equity capital to assets | 7.6238% | 3,839 |
| Core capital (leverage) ratio | 8.2835% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9391% | 2,900 |
| Memoranda: | ||
| Average total assets | $645,204,500 | 1,398 |
| Average earning assets | $613,862,000 | 1,383 |
| Average equity | $51,621,500 | 1,690 |
| Average total loans | $471,934,000 | 1,212 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 2,059 |
| Cost of funding earning assets | 0.4257% | 1,352 |
| Net interest margin | 3.2933% | 2,330 |
| Noninterest income to average assets | 0.3881% | 3,116 |
| Noninterest expense to average assets | 1.8884% | 3,949 |
| Loan and lease loss provision to assets | 0.1203% | 1,031 |
| Net operating income to assets | 1.2244% | 1,841 |
| Return on assets (ROA) | 1.2172% | 1,915 |
| Pretax return on assets | 1.5034% | 1,716 |
| Return on Equity (ROE) | 14.4021% | 1,086 |
| Retained earnings to average equity (ytd only) | 4.5324% | 2,989 |
| Net charge-offs to loans | 0.0002% | 2,698 |
| Credit loss provision to net charge-offs | 74,600.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 10,126.0000% | 7 |
| Efficiency ratio | 53.6334% | 3,967 |
| Assets per employee ($millions) | 6.5678% | 2,276 |
| Cash dividends to net income (ytd only)* | 68.5298% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,976 |
| Loan loss allowance to noncurrent loans | 382.4315% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 2,150 |
| Noncurrent loans to loans | 0.3086% | 2,487 |
| Net loans and leases to total assets | 71.5311% | 877 |
| Net loans and leases to deposits | 83.8480% | 911 |
| Net loans and leases to core deposits | 86.9207% | 1,142 |
| Total domestic deposits to total assets | 85.3105% | 3,170 |
| Equity capital to assets | 8.3874% | 4,123 |
| Core capital (leverage) ratio | 8.0653% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1499% | 2,855 |
| Memoranda: | ||
| Average total assets | $620,273,600 | 1,411 |
| Average earning assets | $590,047,000 | 1,394 |
| Average equity | $52,423,000 | 1,694 |
| Average total loans | $427,605,400 | 1,307 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 2,186 |
| Cost of funding earning assets | 0.4365% | 1,444 |
| Net interest margin | 3.2983% | 2,417 |
| Noninterest income to average assets | 0.3973% | 3,095 |
| Noninterest expense to average assets | 1.8679% | 4,015 |
| Loan and lease loss provision to assets | 0.1336% | 858 |
| Net operating income to assets | 1.2420% | 2,017 |
| Return on assets (ROA) | 1.2420% | 2,078 |
| Pretax return on assets | 1.5327% | 1,895 |
| Return on Equity (ROE) | 14.6670% | 1,206 |
| Retained earnings to average equity (ytd only) | 3.8361% | 3,627 |
| Net charge-offs to loans | 0.0003% | 2,448 |
| Credit loss provision to net charge-offs | 61,700.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 7,699.0000% | 13 |
| Efficiency ratio | 52.8536% | 3,936 |
| Assets per employee ($millions) | 6.6825% | 2,112 |
| Cash dividends to net income (ytd only)* | 73.8456% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,946 |
| Loan loss allowance to noncurrent loans | 400.3768% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 2,436 |
| Noncurrent loans to loans | 0.3021% | 2,711 |
| Net loans and leases to total assets | 69.0883% | 1,181 |
| Net loans and leases to deposits | 81.5990% | 1,149 |
| Net loans and leases to core deposits | 84.6350% | 1,377 |
| Total domestic deposits to total assets | 84.6680% | 3,239 |
| Equity capital to assets | 8.4054% | 4,269 |
| Core capital (leverage) ratio | 8.0484% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5700% | 2,838 |
| Memoranda: | ||
| Average total assets | $616,073,250 | 1,437 |
| Average earning assets | $585,903,000 | 1,419 |
| Average equity | $52,170,250 | 1,722 |
| Average total loans | $419,219,500 | 1,351 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 2,311 |
| Cost of funding earning assets | 0.4474% | 1,539 |
| Net interest margin | 3.2593% | 2,588 |
| Noninterest income to average assets | 0.4186% | 3,012 |
| Noninterest expense to average assets | 1.8528% | 4,069 |
| Loan and lease loss provision to assets | 0.1441% | 839 |
| Net operating income to assets | 1.2306% | 2,081 |
| Return on assets (ROA) | 1.2306% | 2,148 |
| Pretax return on assets | 1.5211% | 1,957 |
| Return on Equity (ROE) | 14.4956% | 1,287 |
| Retained earnings to average equity (ytd only) | 2.1093% | 4,091 |
| Net charge-offs to loans | 0.0005% | 2,232 |
| Credit loss provision to net charge-offs | 44,100.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 5,096.0000% | 12 |
| Efficiency ratio | 52.6658% | 3,968 |
| Assets per employee ($millions) | 6.6277% | 2,074 |
| Cash dividends to net income (ytd only)* | 85.4488% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,856 |
| Loan loss allowance to noncurrent loans | 402.2709% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 2,352 |
| Noncurrent loans to loans | 0.3015% | 2,849 |
| Net loans and leases to total assets | 66.4636% | 1,636 |
| Net loans and leases to deposits | 78.7941% | 1,547 |
| Net loans and leases to core deposits | 81.6343% | 1,753 |
| Total domestic deposits to total assets | 84.3510% | 3,329 |
| Equity capital to assets | 8.2283% | 4,414 |
| Core capital (leverage) ratio | 7.9629% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9394% | 2,739 |
| Memoranda: | ||
| Average total assets | $612,045,667 | 1,438 |
| Average earning assets | $582,021,000 | 1,421 |
| Average equity | $51,960,667 | 1,719 |
| Average total loans | $412,527,667 | 1,377 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 2,249 |
| Cost of funding earning assets | 0.4674% | 1,607 |
| Net interest margin | 3.2787% | 2,447 |
| Noninterest income to average assets | 0.3959% | 3,110 |
| Noninterest expense to average assets | 1.8241% | 4,162 |
| Loan and lease loss provision to assets | 0.1081% | 1,278 |
| Net operating income to assets | 1.2738% | 1,910 |
| Return on assets (ROA) | 1.2738% | 1,987 |
| Pretax return on assets | 1.5801% | 1,782 |
| Return on Equity (ROE) | 14.7664% | 1,263 |
| Retained earnings to average equity (ytd only) | 9.7777% | 1,721 |
| Net charge-offs to loans | 0.0059% | 1,691 |
| Credit loss provision to net charge-offs | 2,716.6667% | 198 |
| Earnings coverage of net charge-offs (x) | 424.3333% | 219 |
| Efficiency ratio | 51.9351% | 3,998 |
| Assets per employee ($millions) | 6.3984% | 2,255 |
| Cash dividends to net income (ytd only)* | 33.7845% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,116 |
| Loan loss allowance to noncurrent loans | 353.0182% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 2,449 |
| Noncurrent loans to loans | 0.3302% | 2,911 |
| Net loans and leases to total assets | 66.9955% | 1,663 |
| Net loans and leases to deposits | 80.5545% | 1,469 |
| Net loans and leases to core deposits | 83.6023% | 1,709 |
| Total domestic deposits to total assets | 83.1679% | 3,648 |
| Equity capital to assets | 8.4954% | 4,123 |
| Core capital (leverage) ratio | 8.4808% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5718% | 2,461 |
| Memoranda: | ||
| Average total assets | $603,252,500 | 1,444 |
| Average earning assets | $573,395,500 | 1,425 |
| Average equity | $52,037,000 | 1,708 |
| Average total loans | $406,985,000 | 1,394 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 2,562 |
| Cost of funding earning assets | 0.6264% | 2,145 |
| Net interest margin | 3.4298% | 2,674 |
| Noninterest income to average assets | 0.5468% | 2,433 |
| Noninterest expense to average assets | 1.9755% | 4,185 |
| Loan and lease loss provision to assets | 0.2417% | 1,612 |
| Net operating income to assets | 1.2782% | 1,312 |
| Return on assets (ROA) | 1.2782% | 1,412 |
| Pretax return on assets | 1.5724% | 1,129 |
| Return on Equity (ROE) | 13.7146% | 882 |
| Retained earnings to average equity (ytd only) | 5.4038% | 2,095 |
| Net charge-offs to loans | 0.0482% | 2,106 |
| Credit loss provision to net charge-offs | 675.3927% | 1,014 |
| Earnings coverage of net charge-offs (x) | 50.6911% | 1,188 |
| Efficiency ratio | 52.1286% | 4,375 |
| Assets per employee ($millions) | 6.2343% | 2,138 |
| Cash dividends to net income (ytd only)* | 60.5981% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,047 |
| Loan loss allowance to noncurrent loans | 188.1057% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 2,109 |
| Noncurrent loans to loans | 0.6280% | 2,124 |
| Net loans and leases to total assets | 66.3395% | 2,043 |
| Net loans and leases to deposits | 80.5805% | 1,807 |
| Net loans and leases to core deposits | 83.8345% | 2,048 |
| Total domestic deposits to total assets | 82.3270% | 3,585 |
| Equity capital to assets | 8.7616% | 4,250 |
| Core capital (leverage) ratio | 8.6900% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2045% | 2,169 |
| Memoranda: | ||
| Average total assets | $533,698,800 | 1,463 |
| Average earning assets | $504,607,400 | 1,444 |
| Average equity | $49,742,600 | 1,698 |
| Average total loans | $396,079,600 | 1,369 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 2,496 |
| Cost of funding earning assets | 0.6648% | 2,229 |
| Net interest margin | 3.4950% | 2,605 |
| Noninterest income to average assets | 0.5633% | 2,333 |
| Noninterest expense to average assets | 1.9794% | 4,198 |
| Loan and lease loss provision to assets | 0.2969% | 1,361 |
| Net operating income to assets | 1.2969% | 1,360 |
| Return on assets (ROA) | 1.2969% | 1,456 |
| Pretax return on assets | 1.5862% | 1,221 |
| Return on Equity (ROE) | 13.6811% | 941 |
| Retained earnings to average equity (ytd only) | 4.4194% | 2,841 |
| Net charge-offs to loans | 0.0222% | 2,407 |
| Credit loss provision to net charge-offs | 1,751.5152% | 538 |
| Earnings coverage of net charge-offs (x) | 111.0758% | 736 |
| Efficiency ratio | 51.2469% | 4,400 |
| Assets per employee ($millions) | 5.7499% | 2,497 |
| Cash dividends to net income (ytd only)* | 67.6966% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,989 |
| Loan loss allowance to noncurrent loans | 199.9147% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 2,161 |
| Noncurrent loans to loans | 0.5694% | 2,374 |
| Net loans and leases to total assets | 73.7575% | 1,406 |
| Net loans and leases to deposits | 89.6174% | 1,308 |
| Net loans and leases to core deposits | 94.0263% | 1,637 |
| Total domestic deposits to total assets | 82.3027% | 3,341 |
| Equity capital to assets | 9.1705% | 3,979 |
| Core capital (leverage) ratio | 8.8003% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0835% | 2,159 |
| Memoranda: | ||
| Average total assets | $519,059,750 | 1,476 |
| Average earning assets | $489,978,750 | 1,455 |
| Average equity | $49,205,500 | 1,705 |
| Average total loans | $395,700,500 | 1,360 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 2,630 |
| Cost of funding earning assets | 0.6975% | 2,394 |
| Net interest margin | 3.5430% | 2,660 |
| Noninterest income to average assets | 0.5247% | 2,463 |
| Noninterest expense to average assets | 1.9741% | 4,285 |
| Loan and lease loss provision to assets | 0.4279% | 919 |
| Net operating income to assets | 1.2002% | 1,636 |
| Return on assets (ROA) | 1.2002% | 1,764 |
| Pretax return on assets | 1.4639% | 1,549 |
| Return on Equity (ROE) | 12.5128% | 1,215 |
| Retained earnings to average equity (ytd only) | 4.1039% | 2,859 |
| Net charge-offs to loans | 0.0277% | 2,165 |
| Credit loss provision to net charge-offs | 2,012.9630% | 475 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 757 |
| Efficiency ratio | 51.0640% | 4,433 |
| Assets per employee ($millions) | 5.5788% | 2,569 |
| Cash dividends to net income (ytd only)* | 67.2024% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,854 |
| Loan loss allowance to noncurrent loans | 174.5571% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 2,351 |
| Noncurrent loans to loans | 0.6501% | 2,237 |
| Net loans and leases to total assets | 75.3304% | 1,224 |
| Net loans and leases to deposits | 90.7638% | 1,285 |
| Net loans and leases to core deposits | 95.1274% | 1,650 |
| Total domestic deposits to total assets | 82.9962% | 3,086 |
| Equity capital to assets | 9.3234% | 3,808 |
| Core capital (leverage) ratio | 9.0711% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9820% | 2,187 |
| Memoranda: | ||
| Average total assets | $508,084,000 | 1,480 |
| Average earning assets | $479,139,667 | 1,460 |
| Average equity | $48,734,000 | 1,710 |
| Average total loans | $390,327,333 | 1,356 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 2,767 |
| Cost of funding earning assets | 0.7604% | 2,607 |
| Net interest margin | 3.5932% | 2,689 |
| Noninterest income to average assets | 0.4353% | 2,878 |
| Noninterest expense to average assets | 1.9760% | 4,445 |
| Loan and lease loss provision to assets | 0.5017% | 586 |
| Net operating income to assets | 1.0907% | 1,874 |
| Return on assets (ROA) | 1.0907% | 1,973 |
| Pretax return on assets | 1.3416% | 1,744 |
| Return on Equity (ROE) | 11.2019% | 1,353 |
| Retained earnings to average equity (ytd only) | 4.9029% | 2,320 |
| Net charge-offs to loans | -0.0115% | 4,122 |
| Credit loss provision to net charge-offs | -5,636.3636% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7373% | 4,563 |
| Assets per employee ($millions) | 5.2096% | 2,415 |
| Cash dividends to net income (ytd only)* | 56.2315% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,151 |
| Loan loss allowance to noncurrent loans | 161.5355% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 2,403 |
| Noncurrent loans to loans | 0.6872% | 2,277 |
| Net loans and leases to total assets | 76.1201% | 1,280 |
| Net loans and leases to deposits | 92.5519% | 1,224 |
| Net loans and leases to core deposits | 98.2944% | 1,601 |
| Total domestic deposits to total assets | 82.2458% | 3,343 |
| Equity capital to assets | 9.7500% | 3,995 |
| Core capital (leverage) ratio | 9.6309% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1262% | 2,226 |
| Memoranda: | ||
| Average total assets | $494,342,500 | 1,476 |
| Average earning assets | $465,545,500 | 1,454 |
| Average equity | $48,134,500 | 1,719 |
| Average total loans | $381,453,000 | 1,351 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 3,246 |
| Cost of funding earning assets | 0.7942% | 2,716 |
| Net interest margin | 3.6068% | 3,117 |
| Noninterest income to average assets | 0.5131% | 2,659 |
| Noninterest expense to average assets | 2.1739% | 4,217 |
| Loan and lease loss provision to assets | 0.0836% | 2,336 |
| Net operating income to assets | 1.3487% | 1,508 |
| Return on assets (ROA) | 1.3487% | 1,587 |
| Pretax return on assets | 1.6551% | 1,323 |
| Return on Equity (ROE) | 14.0531% | 888 |
| Retained earnings to average equity (ytd only) | 5.3592% | 2,245 |
| Net charge-offs to loans | 0.0489% | 2,417 |
| Credit loss provision to net charge-offs | 212.5654% | 1,247 |
| Earnings coverage of net charge-offs (x) | 44.2304% | 1,223 |
| Efficiency ratio | 55.5626% | 4,258 |
| Assets per employee ($millions) | 5.1976% | 2,345 |
| Cash dividends to net income (ytd only)* | 61.8648% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,773 |
| Loan loss allowance to noncurrent loans | 134.5550% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 2,270 |
| Noncurrent loans to loans | 0.7001% | 2,127 |
| Net loans and leases to total assets | 76.6246% | 1,307 |
| Net loans and leases to deposits | 91.9758% | 1,372 |
| Net loans and leases to core deposits | 98.9435% | 1,656 |
| Total domestic deposits to total assets | 83.3095% | 3,102 |
| Equity capital to assets | 9.7241% | 4,172 |
| Core capital (leverage) ratio | 9.4448% | 4,117 |
| Tier 1 risk-based capital ratio | 12.7491% | 3,918 |
| Total risk-based capital ratio | 13.7373% | 3,958 |
| Memoranda: | ||
| Average total assets | $485,892,400 | 1,460 |
| Average earning assets | $457,968,800 | 1,435 |
| Average equity | $46,630,400 | 1,700 |
| Average total loans | $390,343,400 | 1,294 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 3,401 |
| Cost of funding earning assets | 0.7832% | 2,796 |
| Net interest margin | 3.6042% | 3,233 |
| Noninterest income to average assets | 0.4896% | 2,795 |
| Noninterest expense to average assets | 2.1496% | 4,273 |
| Loan and lease loss provision to assets | 0.1105% | 1,765 |
| Net operating income to assets | 1.3239% | 1,756 |
| Return on assets (ROA) | 1.3239% | 1,825 |
| Pretax return on assets | 1.6261% | 1,540 |
| Return on Equity (ROE) | 13.8417% | 1,015 |
| Retained earnings to average equity (ytd only) | 4.5054% | 3,139 |
| Net charge-offs to loans | 0.0099% | 3,019 |
| Credit loss provision to net charge-offs | 1,382.7586% | 268 |
| Earnings coverage of net charge-offs (x) | 217.3207% | 419 |
| Efficiency ratio | 55.3137% | 4,239 |
| Assets per employee ($millions) | 5.2598% | 2,277 |
| Cash dividends to net income (ytd only)* | 67.4506% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 3,948 |
| Loan loss allowance to noncurrent loans | 127.2881% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 2,215 |
| Noncurrent loans to loans | 0.7264% | 2,151 |
| Net loans and leases to total assets | 81.3784% | 650 |
| Net loans and leases to deposits | 99.1853% | 708 |
| Net loans and leases to core deposits | 107.5341% | 1,080 |
| Total domestic deposits to total assets | 82.0468% | 3,467 |
| Equity capital to assets | 9.5588% | 4,414 |
| Core capital (leverage) ratio | 9.3344% | 4,341 |
| Tier 1 risk-based capital ratio | 12.1235% | 4,353 |
| Total risk-based capital ratio | 13.1258% | 4,365 |
| Memoranda: | ||
| Average total assets | $483,922,750 | 1,473 |
| Average earning assets | $456,055,000 | 1,451 |
| Average equity | $46,284,250 | 1,709 |
| Average total loans | $392,442,250 | 1,299 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 3,484 |
| Cost of funding earning assets | 0.7601% | 2,842 |
| Net interest margin | 3.5916% | 3,285 |
| Noninterest income to average assets | 0.4941% | 2,707 |
| Noninterest expense to average assets | 2.1498% | 4,328 |
| Loan and lease loss provision to assets | 0.0916% | 2,022 |
| Net operating income to assets | 1.3330% | 1,645 |
| Return on assets (ROA) | 1.3330% | 1,709 |
| Pretax return on assets | 1.6361% | 1,437 |
| Return on Equity (ROE) | 13.9343% | 996 |
| Retained earnings to average equity (ytd only) | 9.3867% | 939 |
| Net charge-offs to loans | 0.0139% | 2,642 |
| Credit loss provision to net charge-offs | 814.8148% | 420 |
| Earnings coverage of net charge-offs (x) | 153.7037% | 487 |
| Efficiency ratio | 55.4434% | 4,316 |
| Assets per employee ($millions) | 4.8948% | 2,608 |
| Cash dividends to net income (ytd only)* | 32.6359% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 4,076 |
| Loan loss allowance to noncurrent loans | 181.5228% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 2,896 |
| Noncurrent loans to loans | 0.4975% | 2,790 |
| Net loans and leases to total assets | 80.1746% | 856 |
| Net loans and leases to deposits | 96.4612% | 988 |
| Net loans and leases to core deposits | 105.8421% | 1,255 |
| Total domestic deposits to total assets | 83.1159% | 3,165 |
| Equity capital to assets | 9.7193% | 4,216 |
| Core capital (leverage) ratio | 9.5751% | 4,076 |
| Tier 1 risk-based capital ratio | 12.6287% | 4,059 |
| Total risk-based capital ratio | 13.6097% | 4,082 |
| Memoranda: | ||
| Average total assets | $480,422,000 | 1,487 |
| Average earning assets | $452,550,670 | 1,461 |
| Average equity | $45,958,670 | 1,715 |
| Average total loans | $387,886,330 | 1,310 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 3,506 |
| Cost of funding earning assets | 0.7298% | 2,889 |
| Net interest margin | 3.5882% | 3,298 |
| Noninterest income to average assets | 0.4623% | 2,790 |
| Noninterest expense to average assets | 2.1164% | 4,436 |
| Loan and lease loss provision to assets | 0.0706% | 2,249 |
| Net operating income to assets | 1.3423% | 1,549 |
| Return on assets (ROA) | 1.3423% | 1,590 |
| Pretax return on assets | 1.6558% | 1,323 |
| Return on Equity (ROE) | 14.1481% | 936 |
| Retained earnings to average equity (ytd only) | 10.0906% | 1,017 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0744% | 4,424 |
| Assets per employee ($millions) | 5.2592% | 2,214 |
| Cash dividends to net income (ytd only)* | 28.6788% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 4,164 |
| Loan loss allowance to noncurrent loans | 183.0517% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 2,997 |
| Noncurrent loans to loans | 0.4906% | 2,843 |
| Net loans and leases to total assets | 79.9337% | 843 |
| Net loans and leases to deposits | 97.3036% | 862 |
| Net loans and leases to core deposits | 104.6814% | 1,265 |
| Total domestic deposits to total assets | 82.1487% | 3,685 |
| Equity capital to assets | 9.5874% | 4,177 |
| Core capital (leverage) ratio | 9.5420% | 4,083 |
| Tier 1 risk-based capital ratio | 12.8271% | 3,964 |
| Total risk-based capital ratio | 13.8172% | 4,002 |
| Memoranda: | ||
| Average total assets | $475,894,000 | 1,507 |
| Average earning assets | $448,358,000 | 1,480 |
| Average equity | $45,151,000 | 1,729 |
| Average total loans | $383,823,000 | 1,330 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 3,505 |
| Cost of funding earning assets | 0.5576% | 2,999 |
| Net interest margin | 3.6186% | 3,318 |
| Noninterest income to average assets | 0.4622% | 3,036 |
| Noninterest expense to average assets | 2.3228% | 4,070 |
| Loan and lease loss provision to assets | 0.1124% | 1,966 |
| Net operating income to assets | 1.1736% | 2,299 |
| Return on assets (ROA) | 1.1736% | 2,284 |
| Pretax return on assets | 1.4281% | 2,045 |
| Return on Equity (ROE) | 12.8014% | 1,425 |
| Retained earnings to average equity (ytd only) | 8.6826% | 988 |
| Net charge-offs to loans | 0.0208% | 3,010 |
| Credit loss provision to net charge-offs | 681.5789% | 510 |
| Earnings coverage of net charge-offs (x) | 93.4079% | 773 |
| Efficiency ratio | 60.1247% | 3,840 |
| Assets per employee ($millions) | 4.7798% | 2,767 |
| Cash dividends to net income (ytd only)* | 32.1746% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,222 |
| Loan loss allowance to noncurrent loans | 188.0489% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 3,039 |
| Noncurrent loans to loans | 0.4714% | 2,857 |
| Net loans and leases to total assets | 79.9330% | 951 |
| Net loans and leases to deposits | 97.0720% | 966 |
| Net loans and leases to core deposits | 103.9503% | 1,421 |
| Total domestic deposits to total assets | 82.3440% | 3,537 |
| Equity capital to assets | 9.3867% | 4,232 |
| Core capital (leverage) ratio | 9.4596% | 4,159 |
| Tier 1 risk-based capital ratio | 12.6783% | 4,027 |
| Total risk-based capital ratio | 13.6568% | 4,063 |
| Memoranda: | ||
| Average total assets | $460,821,600 | 1,513 |
| Average earning assets | $433,127,600 | 1,493 |
| Average equity | $42,245,400 | 1,773 |
| Average total loans | $365,329,000 | 1,345 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,524 |
| Cost of funding earning assets | 0.5204% | 3,058 |
| Net interest margin | 3.6118% | 3,327 |
| Noninterest income to average assets | 0.4763% | 3,005 |
| Noninterest expense to average assets | 2.3851% | 3,884 |
| Loan and lease loss provision to assets | 0.1247% | 1,611 |
| Net operating income to assets | 1.1209% | 2,572 |
| Return on assets (ROA) | 1.1209% | 2,585 |
| Pretax return on assets | 1.3589% | 2,387 |
| Return on Equity (ROE) | 12.3028% | 1,678 |
| Retained earnings to average equity (ytd only) | 8.7027% | 1,344 |
| Net charge-offs to loans | 0.0255% | 2,613 |
| Credit loss provision to net charge-offs | 620.2899% | 577 |
| Earnings coverage of net charge-offs (x) | 73.8098% | 922 |
| Efficiency ratio | 61.6520% | 3,561 |
| Assets per employee ($millions) | 5.1867% | 2,235 |
| Cash dividends to net income (ytd only)* | 29.2620% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,328 |
| Loan loss allowance to noncurrent loans | 170.9845% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 3,041 |
| Noncurrent loans to loans | 0.5171% | 2,834 |
| Net loans and leases to total assets | 78.3736% | 1,282 |
| Net loans and leases to deposits | 98.6345% | 895 |
| Net loans and leases to core deposits | 101.7276% | 1,633 |
| Total domestic deposits to total assets | 79.4586% | 4,223 |
| Equity capital to assets | 9.0655% | 4,489 |
| Core capital (leverage) ratio | 9.2841% | 4,417 |
| Tier 1 risk-based capital ratio | 12.8152% | 4,010 |
| Total risk-based capital ratio | 13.8028% | 4,067 |
| Memoranda: | ||
| Average total assets | $457,727,000 | 1,530 |
| Average earning assets | $429,908,500 | 1,509 |
| Average equity | $41,702,250 | 1,803 |
| Average total loans | $361,254,750 | 1,361 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 3,484 |
| Cost of funding earning assets | 0.4858% | 3,125 |
| Net interest margin | 3.6045% | 3,290 |
| Noninterest income to average assets | 0.4685% | 3,044 |
| Noninterest expense to average assets | 2.4403% | 3,796 |
| Loan and lease loss provision to assets | 0.1492% | 1,272 |
| Net operating income to assets | 1.0473% | 2,821 |
| Return on assets (ROA) | 1.0473% | 2,815 |
| Pretax return on assets | 1.2628% | 2,659 |
| Return on Equity (ROE) | 11.4755% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.9922% | 1,638 |
| Net charge-offs to loans | -0.0022% | 3,960 |
| Credit loss provision to net charge-offs | -8,450.0000% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3467% | 3,409 |
| Assets per employee ($millions) | 4.5468% | 3,059 |
| Cash dividends to net income (ytd only)* | 30.3541% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,371 |
| Loan loss allowance to noncurrent loans | 223.2495% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 3,469 |
| Noncurrent loans to loans | 0.3995% | 3,255 |
| Net loans and leases to total assets | 78.6872% | 1,209 |
| Net loans and leases to deposits | 96.0092% | 1,136 |
| Net loans and leases to core deposits | 99.6067% | 1,766 |
| Total domestic deposits to total assets | 81.9579% | 3,735 |
| Equity capital to assets | 9.0501% | 4,522 |
| Core capital (leverage) ratio | 9.1846% | 4,482 |
| Tier 1 risk-based capital ratio | 12.8789% | 3,961 |
| Total risk-based capital ratio | 13.8934% | 4,000 |
| Memoranda: | ||
| Average total assets | $452,973,330 | 1,549 |
| Average earning assets | $425,248,670 | 1,528 |
| Average equity | $41,340,330 | 1,814 |
| Average total loans | $357,268,330 | 1,368 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,472 |
| Cost of funding earning assets | 0.4648% | 3,086 |
| Net interest margin | 3.5734% | 3,270 |
| Noninterest income to average assets | 0.4227% | 3,294 |
| Noninterest expense to average assets | 2.4747% | 3,732 |
| Loan and lease loss provision to assets | 0.1072% | 1,742 |
| Net operating income to assets | 0.9849% | 2,912 |
| Return on assets (ROA) | 0.9849% | 2,946 |
| Pretax return on assets | 1.1940% | 2,776 |
| Return on Equity (ROE) | 10.7448% | 2,071 |
| Retained earnings to average equity (ytd only) | 6.6302% | 2,440 |
| Net charge-offs to loans | -0.0045% | 3,974 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5385% | 3,245 |
| Assets per employee ($millions) | 4.6352% | 2,953 |
| Cash dividends to net income (ytd only)* | 38.2940% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,578 |
| Loan loss allowance to noncurrent loans | 199.3498% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,451 |
| Noncurrent loans to loans | 0.4345% | 3,230 |
| Net loans and leases to total assets | 77.2502% | 1,352 |
| Net loans and leases to deposits | 92.2411% | 1,427 |
| Net loans and leases to core deposits | 95.7405% | 1,994 |
| Total domestic deposits to total assets | 83.7481% | 3,420 |
| Equity capital to assets | 9.0390% | 4,513 |
| Core capital (leverage) ratio | 9.1490% | 4,507 |
| Tier 1 risk-based capital ratio | 13.1807% | 3,863 |
| Total risk-based capital ratio | 14.1741% | 3,881 |
| Memoranda: | ||
| Average total assets | $447,574,000 | 1,574 |
| Average earning assets | $419,991,500 | 1,556 |
| Average equity | $41,024,500 | 1,829 |
| Average total loans | $351,796,000 | 1,392 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 3,630 |
| Cost of funding earning assets | 0.4767% | 2,531 |
| Net interest margin | 3.4547% | 3,672 |
| Noninterest income to average assets | 0.4627% | 3,231 |
| Noninterest expense to average assets | 2.4776% | 3,859 |
| Loan and lease loss provision to assets | 0.0673% | 2,856 |
| Net operating income to assets | 0.8211% | 3,075 |
| Return on assets (ROA) | 0.8211% | 3,116 |
| Pretax return on assets | 1.1594% | 2,947 |
| Return on Equity (ROE) | 9.0971% | 2,269 |
| Retained earnings to average equity (ytd only) | 4.3641% | 2,538 |
| Net charge-offs to loans | 0.1168% | 1,877 |
| Credit loss provision to net charge-offs | 75.2500% | 3,009 |
| Earnings coverage of net charge-offs (x) | 13.7250% | 2,374 |
| Efficiency ratio | 66.8858% | 3,101 |
| Assets per employee ($millions) | 4.4989% | 3,185 |
| Cash dividends to net income (ytd only)* | 52.0272% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 4,695 |
| Loan loss allowance to noncurrent loans | 153.5770% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 3,092 |
| Noncurrent loans to loans | 0.5477% | 2,859 |
| Net loans and leases to total assets | 78.6296% | 1,193 |
| Net loans and leases to deposits | 92.3252% | 1,478 |
| Net loans and leases to core deposits | 96.1485% | 2,009 |
| Total domestic deposits to total assets | 85.1658% | 2,769 |
| Equity capital to assets | 9.2968% | 4,430 |
| Core capital (leverage) ratio | 8.8894% | 4,768 |
| Tier 1 risk-based capital ratio | 13.0266% | 3,887 |
| Total risk-based capital ratio | 13.9851% | 3,968 |
| Memoranda: | ||
| Average total assets | $447,577,400 | 1,554 |
| Average earning assets | $419,948,000 | 1,532 |
| Average equity | $40,397,600 | 1,849 |
| Average total loans | $342,338,600 | 1,401 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 3,724 |
| Cost of funding earning assets | 0.4788% | 2,440 |
| Net interest margin | 3.4067% | 3,828 |
| Noninterest income to average assets | 0.4754% | 3,180 |
| Noninterest expense to average assets | 2.4977% | 3,746 |
| Loan and lease loss provision to assets | 0.0620% | 2,833 |
| Net operating income to assets | 0.7924% | 3,548 |
| Return on assets (ROA) | 0.7924% | 3,601 |
| Pretax return on assets | 1.1126% | 3,258 |
| Return on Equity (ROE) | 8.8446% | 2,697 |
| Retained earnings to average equity (ytd only) | 5.7606% | 2,396 |
| Net charge-offs to loans | -0.0004% | 4,250 |
| Credit loss provision to net charge-offs | -20,900.0000% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0136% | 2,875 |
| Assets per employee ($millions) | 4.4274% | 3,279 |
| Cash dividends to net income (ytd only)* | 34.8689% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 4,411 |
| Loan loss allowance to noncurrent loans | 131.5789% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 2,819 |
| Noncurrent loans to loans | 0.7102% | 2,578 |
| Net loans and leases to total assets | 77.0512% | 1,413 |
| Net loans and leases to deposits | 92.3501% | 1,518 |
| Net loans and leases to core deposits | 96.2780% | 2,039 |
| Total domestic deposits to total assets | 83.4338% | 3,314 |
| Equity capital to assets | 9.2146% | 4,714 |
| Core capital (leverage) ratio | 9.0119% | 4,724 |
| Tier 1 risk-based capital ratio | 12.9220% | 4,065 |
| Total risk-based capital ratio | 13.9741% | 4,087 |
| Memoranda: | ||
| Average total assets | $449,248,250 | 1,558 |
| Average earning assets | $421,593,000 | 1,540 |
| Average equity | $40,249,750 | 1,867 |
| Average total loans | $340,519,750 | 1,416 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 3,756 |
| Cost of funding earning assets | 0.4823% | 2,312 |
| Net interest margin | 3.3590% | 3,914 |
| Noninterest income to average assets | 0.4801% | 3,149 |
| Noninterest expense to average assets | 2.4990% | 3,756 |
| Loan and lease loss provision to assets | 0.0489% | 3,013 |
| Net operating income to assets | 0.7730% | 3,529 |
| Return on assets (ROA) | 0.7730% | 3,580 |
| Pretax return on assets | 1.0837% | 3,246 |
| Return on Equity (ROE) | 8.7100% | 2,659 |
| Retained earnings to average equity (ytd only) | 5.5996% | 2,355 |
| Net charge-offs to loans | -0.0041% | 4,292 |
| Credit loss provision to net charge-offs | -1,571.4286% | 4,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8127% | 2,871 |
| Assets per employee ($millions) | 4.5018% | 3,103 |
| Cash dividends to net income (ytd only)* | 35.7102% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 4,534 |
| Loan loss allowance to noncurrent loans | 155.1351% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 3,069 |
| Noncurrent loans to loans | 0.5959% | 2,946 |
| Net loans and leases to total assets | 75.9159% | 1,553 |
| Net loans and leases to deposits | 88.9995% | 1,864 |
| Net loans and leases to core deposits | 93.2384% | 2,220 |
| Total domestic deposits to total assets | 85.2992% | 2,694 |
| Equity capital to assets | 9.1185% | 4,783 |
| Core capital (leverage) ratio | 8.9692% | 4,759 |
| Tier 1 risk-based capital ratio | 13.2843% | 3,809 |
| Total risk-based capital ratio | 14.3384% | 3,859 |
| Memoranda: | ||
| Average total assets | $449,941,330 | 1,563 |
| Average earning assets | $422,155,330 | 1,542 |
| Average equity | $39,931,330 | 1,875 |
| Average total loans | $338,093,330 | 1,425 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 3,892 |
| Cost of funding earning assets | 0.4845% | 2,214 |
| Net interest margin | 3.2794% | 4,083 |
| Noninterest income to average assets | 0.4132% | 3,572 |
| Noninterest expense to average assets | 2.5447% | 3,670 |
| Loan and lease loss provision to assets | 0.0239% | 3,267 |
| Net operating income to assets | 0.6645% | 3,858 |
| Return on assets (ROA) | 0.6645% | 3,898 |
| Pretax return on assets | 0.9229% | 3,682 |
| Return on Equity (ROE) | 7.5902% | 3,121 |
| Retained earnings to average equity (ytd only) | 4.4571% | 3,195 |
| Net charge-offs to loans | 0.0273% | 2,209 |
| Credit loss provision to net charge-offs | 117.3913% | 1,420 |
| Earnings coverage of net charge-offs (x) | 46.5217% | 940 |
| Efficiency ratio | 72.8839% | 2,424 |
| Assets per employee ($millions) | 4.6285% | 2,959 |
| Cash dividends to net income (ytd only)* | 41.2783% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,750 |
| Loan loss allowance to noncurrent loans | 174.0423% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 3,647 |
| Noncurrent loans to loans | 0.5184% | 3,262 |
| Net loans and leases to total assets | 74.4681% | 1,667 |
| Net loans and leases to deposits | 87.7809% | 1,830 |
| Net loans and leases to core deposits | 92.3755% | 2,130 |
| Total domestic deposits to total assets | 84.8341% | 3,150 |
| Equity capital to assets | 8.8701% | 4,935 |
| Core capital (leverage) ratio | 8.6716% | 5,077 |
| Tier 1 risk-based capital ratio | 13.0742% | 4,039 |
| Total risk-based capital ratio | 14.1051% | 4,067 |
| Memoranda: | ||
| Average total assets | $452,074,500 | 1,562 |
| Average earning assets | $424,341,500 | 1,549 |
| Average equity | $39,577,500 | 1,887 |
| Average total loans | $336,392,500 | 1,435 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7555% | 4,039 |
| Cost of funding earning assets | 0.5040% | 2,058 |
| Net interest margin | 3.2515% | 4,295 |
| Noninterest income to average assets | 0.4251% | 3,713 |
| Noninterest expense to average assets | 2.6664% | 3,468 |
| Loan and lease loss provision to assets | 0.0821% | 2,716 |
| Net operating income to assets | 0.5416% | 4,469 |
| Return on assets (ROA) | 0.5416% | 4,564 |
| Pretax return on assets | 0.7198% | 4,425 |
| Return on Equity (ROE) | 6.0370% | 3,962 |
| Retained earnings to average equity (ytd only) | 1.2560% | 4,782 |
| Net charge-offs to loans | 0.0512% | 3,018 |
| Credit loss provision to net charge-offs | 225.3086% | 1,273 |
| Earnings coverage of net charge-offs (x) | 22.0062% | 1,752 |
| Efficiency ratio | 76.8792% | 1,869 |
| Assets per employee ($millions) | 4.1008% | 3,783 |
| Cash dividends to net income (ytd only)* | 79.1944% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 4,761 |
| Loan loss allowance to noncurrent loans | 194.1252% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,903 |
| Noncurrent loans to loans | 0.4669% | 3,483 |
| Net loans and leases to total assets | 73.0178% | 2,012 |
| Net loans and leases to deposits | 85.9165% | 2,185 |
| Net loans and leases to core deposits | 91.1942% | 2,377 |
| Total domestic deposits to total assets | 84.9869% | 3,053 |
| Equity capital to assets | 8.6408% | 5,154 |
| Core capital (leverage) ratio | 8.5451% | 5,215 |
| Tier 1 risk-based capital ratio | 13.0408% | 4,043 |
| Total risk-based capital ratio | 14.0815% | 4,081 |
| Memoranda: | ||
| Average total assets | $444,572,800 | 1,529 |
| Average earning assets | $416,079,600 | 1,510 |
| Average equity | $39,887,600 | 1,850 |
| Average total loans | $316,709,000 | 1,460 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 4,035 |
| Cost of funding earning assets | 0.5046% | 2,059 |
| Net interest margin | 3.2607% | 4,311 |
| Noninterest income to average assets | 0.4402% | 3,631 |
| Noninterest expense to average assets | 2.6077% | 3,635 |
| Loan and lease loss provision to assets | 0.0459% | 3,324 |
| Net operating income to assets | 0.6221% | 4,198 |
| Return on assets (ROA) | 0.6221% | 4,324 |
| Pretax return on assets | 0.8357% | 4,200 |
| Return on Equity (ROE) | 6.8686% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.6002% | 3,081 |
| Net charge-offs to loans | 0.0350% | 2,931 |
| Credit loss provision to net charge-offs | 185.3659% | 1,515 |
| Earnings coverage of net charge-offs (x) | 35.6343% | 1,330 |
| Efficiency ratio | 74.7341% | 2,153 |
| Assets per employee ($millions) | 3.8782% | 4,166 |
| Cash dividends to net income (ytd only)* | 33.0263% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 4,888 |
| Loan loss allowance to noncurrent loans | 186.4657% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 4,002 |
| Noncurrent loans to loans | 0.4806% | 3,570 |
| Net loans and leases to total assets | 72.0863% | 2,180 |
| Net loans and leases to deposits | 85.0902% | 2,357 |
| Net loans and leases to core deposits | 90.7115% | 2,509 |
| Total domestic deposits to total assets | 84.7176% | 2,932 |
| Equity capital to assets | 9.1150% | 5,054 |
| Core capital (leverage) ratio | 8.7406% | 5,113 |
| Tier 1 risk-based capital ratio | 13.2645% | 3,998 |
| Total risk-based capital ratio | 14.2547% | 4,074 |
| Memoranda: | ||
| Average total assets | $441,918,750 | 1,535 |
| Average earning assets | $413,240,500 | 1,521 |
| Average equity | $40,026,500 | 1,856 |
| Average total loans | $312,034,000 | 1,479 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 4,161 |
| Cost of funding earning assets | 0.4973% | 2,119 |
| Net interest margin | 3.2416% | 4,406 |
| Noninterest income to average assets | 0.4354% | 3,635 |
| Noninterest expense to average assets | 2.5876% | 3,765 |
| Loan and lease loss provision to assets | -0.0254% | 5,794 |
| Net operating income to assets | 0.6651% | 3,978 |
| Return on assets (ROA) | 0.6651% | 4,118 |
| Pretax return on assets | 0.9034% | 3,941 |
| Return on Equity (ROE) | 7.3585% | 3,340 |
| Retained earnings to average equity (ytd only) | 5.5000% | 2,420 |
| Net charge-offs to loans | 0.0032% | 3,592 |
| Credit loss provision to net charge-offs | -1,120.0000% | 5,115 |
| Earnings coverage of net charge-offs (x) | 386.8000% | 180 |
| Efficiency ratio | 74.6660% | 2,263 |
| Assets per employee ($millions) | 3.8423% | 4,184 |
| Cash dividends to net income (ytd only)* | 25.2560% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 5,045 |
| Loan loss allowance to noncurrent loans | 146.8006% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,804 |
| Noncurrent loans to loans | 0.5940% | 3,287 |
| Net loans and leases to total assets | 70.1947% | 2,450 |
| Net loans and leases to deposits | 83.4457% | 2,536 |
| Net loans and leases to core deposits | 89.9518% | 2,536 |
| Total domestic deposits to total assets | 84.1203% | 3,219 |
| Equity capital to assets | 9.0135% | 5,225 |
| Core capital (leverage) ratio | 8.7024% | 5,171 |
| Tier 1 risk-based capital ratio | 12.8529% | 4,283 |
| Total risk-based capital ratio | 13.7756% | 4,417 |
| Memoranda: | ||
| Average total assets | $440,562,000 | 1,540 |
| Average earning assets | $411,832,000 | 1,528 |
| Average equity | $39,818,000 | 1,864 |
| Average total loans | $307,910,670 | 1,493 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,004 |
| Cost of funding earning assets | 0.4899% | 2,181 |
| Net interest margin | 3.2926% | 4,247 |
| Noninterest income to average assets | 0.3954% | 3,864 |
| Noninterest expense to average assets | 2.5959% | 3,761 |
| Loan and lease loss provision to assets | -0.0615% | 5,958 |
| Net operating income to assets | 0.6861% | 3,783 |
| Return on assets (ROA) | 0.6861% | 3,899 |
| Pretax return on assets | 0.9375% | 3,703 |
| Return on Equity (ROE) | 7.5810% | 3,142 |
| Retained earnings to average equity (ytd only) | 6.9729% | 1,900 |
| Net charge-offs to loans | -0.0013% | 4,089 |
| Credit loss provision to net charge-offs | 6,700.0000% | 55 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7688% | 2,360 |
| Assets per employee ($millions) | 3.9119% | 4,103 |
| Cash dividends to net income (ytd only)* | 8.0214% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 5,070 |
| Loan loss allowance to noncurrent loans | 139.4565% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 3,735 |
| Noncurrent loans to loans | 0.6426% | 3,248 |
| Net loans and leases to total assets | 69.9410% | 2,351 |
| Net loans and leases to deposits | 83.4051% | 2,376 |
| Net loans and leases to core deposits | 90.1947% | 2,354 |
| Total domestic deposits to total assets | 83.8570% | 3,575 |
| Equity capital to assets | 9.1256% | 5,061 |
| Core capital (leverage) ratio | 8.8479% | 5,031 |
| Tier 1 risk-based capital ratio | 13.1234% | 4,179 |
| Total risk-based capital ratio | 14.0744% | 4,290 |
| Memoranda: | ||
| Average total assets | $436,069,000 | 1,562 |
| Average earning assets | $407,459,500 | 1,539 |
| Average equity | $39,467,000 | 1,870 |
| Average total loans | $302,698,500 | 1,509 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,403 |
| Cost of funding earning assets | 0.5060% | 2,108 |
| Net interest margin | 3.1817% | 4,680 |
| Noninterest income to average assets | 0.3988% | 4,045 |
| Noninterest expense to average assets | 2.5510% | 4,067 |
| Loan and lease loss provision to assets | 0.2774% | 661 |
| Net operating income to assets | 0.4231% | 4,978 |
| Return on assets (ROA) | 0.4231% | 5,061 |
| Pretax return on assets | 0.5383% | 5,023 |
| Return on Equity (ROE) | 4.6123% | 4,695 |
| Retained earnings to average equity (ytd only) | 1.4105% | 4,922 |
| Net charge-offs to loans | 0.3962% | 726 |
| Credit loss provision to net charge-offs | 106.1427% | 2,368 |
| Earnings coverage of net charge-offs (x) | 3.1210% | 3,772 |
| Efficiency ratio | 75.7714% | 2,311 |
| Assets per employee ($millions) | 3.8408% | 4,220 |
| Cash dividends to net income (ytd only)* | 69.4196% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 4,824 |
| Loan loss allowance to noncurrent loans | 146.1618% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,811 |
| Noncurrent loans to loans | 0.6553% | 3,226 |
| Net loans and leases to total assets | 67.5925% | 2,773 |
| Net loans and leases to deposits | 80.4252% | 2,778 |
| Net loans and leases to core deposits | 86.8049% | 2,717 |
| Total domestic deposits to total assets | 84.0439% | 3,462 |
| Equity capital to assets | 8.9749% | 5,150 |
| Core capital (leverage) ratio | 8.7817% | 5,128 |
| Tier 1 risk-based capital ratio | 13.3540% | 4,077 |
| Total risk-based capital ratio | 14.3637% | 4,156 |
| Memoranda: | ||
| Average total assets | $423,555,600 | 1,568 |
| Average earning assets | $395,098,000 | 1,546 |
| Average equity | $38,852,800 | 1,852 |
| Average total loans | $279,424,000 | 1,566 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,487 |
| Cost of funding earning assets | 0.5072% | 2,148 |
| Net interest margin | 3.1707% | 4,772 |
| Noninterest income to average assets | 0.3988% | 4,093 |
| Noninterest expense to average assets | 2.5520% | 4,040 |
| Loan and lease loss provision to assets | 0.3392% | 398 |
| Net operating income to assets | 0.3725% | 5,255 |
| Return on assets (ROA) | 0.3725% | 5,335 |
| Pretax return on assets | 0.4637% | 5,312 |
| Return on Equity (ROE) | 4.0382% | 5,018 |
| Retained earnings to average equity (ytd only) | 0.8344% | 5,369 |
| Net charge-offs to loans | 0.5280% | 445 |
| Credit loss provision to net charge-offs | 98.2569% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.3257% | 3,687 |
| Efficiency ratio | 76.0668% | 2,237 |
| Assets per employee ($millions) | 3.8588% | 4,160 |
| Cash dividends to net income (ytd only)* | 79.3368% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,926 |
| Loan loss allowance to noncurrent loans | 125.8005% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 3,676 |
| Noncurrent loans to loans | 0.7656% | 3,052 |
| Net loans and leases to total assets | 66.6187% | 2,918 |
| Net loans and leases to deposits | 79.5994% | 2,925 |
| Net loans and leases to core deposits | 86.1125% | 2,843 |
| Total domestic deposits to total assets | 83.6924% | 3,540 |
| Equity capital to assets | 9.1450% | 5,168 |
| Core capital (leverage) ratio | 8.7967% | 5,240 |
| Tier 1 risk-based capital ratio | 13.5832% | 4,092 |
| Total risk-based capital ratio | 14.5894% | 4,147 |
| Memoranda: | ||
| Average total assets | $420,942,000 | 1,590 |
| Average earning assets | $392,458,750 | 1,566 |
| Average equity | $38,828,000 | 1,871 |
| Average total loans | $275,231,250 | 1,599 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6701% | 4,506 |
| Cost of funding earning assets | 0.5133% | 2,132 |
| Net interest margin | 3.1568% | 4,802 |
| Noninterest income to average assets | 0.3597% | 4,369 |
| Noninterest expense to average assets | 2.5047% | 4,228 |
| Loan and lease loss provision to assets | 0.3402% | 397 |
| Net operating income to assets | 0.3654% | 5,249 |
| Return on assets (ROA) | 0.3654% | 5,356 |
| Pretax return on assets | 0.4569% | 5,337 |
| Return on Equity (ROE) | 3.9504% | 5,032 |
| Retained earnings to average equity (ytd only) | 0.7417% | 5,255 |
| Net charge-offs to loans | 0.5997% | 394 |
| Credit loss provision to net charge-offs | 87.6074% | 2,234 |
| Earnings coverage of net charge-offs (x) | 2.0528% | 3,410 |
| Efficiency ratio | 75.8586% | 2,385 |
| Assets per employee ($millions) | 3.9829% | 3,919 |
| Cash dividends to net income (ytd only)* | 81.2256% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 5,019 |
| Loan loss allowance to noncurrent loans | 142.2175% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,900 |
| Noncurrent loans to loans | 0.6797% | 3,446 |
| Net loans and leases to total assets | 64.7422% | 3,161 |
| Net loans and leases to deposits | 77.0335% | 3,156 |
| Net loans and leases to core deposits | 82.8483% | 3,096 |
| Total domestic deposits to total assets | 84.0443% | 3,544 |
| Equity capital to assets | 9.1282% | 5,112 |
| Core capital (leverage) ratio | 8.8088% | 5,219 |
| Tier 1 risk-based capital ratio | 13.8213% | 4,022 |
| Total risk-based capital ratio | 14.8161% | 4,111 |
| Memoranda: | ||
| Average total assets | $419,765,670 | 1,604 |
| Average earning assets | $391,220,670 | 1,579 |
| Average equity | $38,831,330 | 1,871 |
| Average total loans | $271,799,330 | 1,621 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 4,497 |
| Cost of funding earning assets | 0.5064% | 2,230 |
| Net interest margin | 3.1542% | 4,771 |
| Noninterest income to average assets | 0.3784% | 4,172 |
| Noninterest expense to average assets | 2.4933% | 4,282 |
| Loan and lease loss provision to assets | 0.2227% | 790 |
| Net operating income to assets | 0.4606% | 4,828 |
| Return on assets (ROA) | 0.4606% | 4,947 |
| Pretax return on assets | 0.6030% | 4,910 |
| Return on Equity (ROE) | 4.9464% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.7343% | 4,779 |
| Net charge-offs to loans | 0.9685% | 245 |
| Credit loss provision to net charge-offs | 35.6815% | 2,224 |
| Earnings coverage of net charge-offs (x) | 1.3231% | 2,936 |
| Efficiency ratio | 75.1224% | 2,641 |
| Assets per employee ($millions) | 4.1082% | 3,745 |
| Cash dividends to net income (ytd only)* | 64.9378% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 5,527 |
| Loan loss allowance to noncurrent loans | 92.2624% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 3,590 |
| Noncurrent loans to loans | 0.9402% | 2,897 |
| Net loans and leases to total assets | 64.0638% | 3,080 |
| Net loans and leases to deposits | 76.3249% | 3,018 |
| Net loans and leases to core deposits | 82.2719% | 2,936 |
| Total domestic deposits to total assets | 83.9357% | 3,839 |
| Equity capital to assets | 9.3429% | 4,915 |
| Core capital (leverage) ratio | 8.9300% | 5,039 |
| Tier 1 risk-based capital ratio | 14.1752% | 3,895 |
| Total risk-based capital ratio | 15.0736% | 4,057 |
| Memoranda: | ||
| Average total assets | $418,554,500 | 1,617 |
| Average earning assets | $390,209,000 | 1,589 |
| Average equity | $38,978,000 | 1,871 |
| Average total loans | $269,698,000 | 1,628 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 4,456 |
| Cost of funding earning assets | 0.5444% | 2,253 |
| Net interest margin | 3.2678% | 4,691 |
| Noninterest income to average assets | 0.4242% | 4,013 |
| Noninterest expense to average assets | 2.4930% | 4,574 |
| Loan and lease loss provision to assets | 0.0805% | 2,870 |
| Net operating income to assets | 0.6752% | 4,013 |
| Return on assets (ROA) | 0.6752% | 4,126 |
| Pretax return on assets | 0.8963% | 3,921 |
| Return on Equity (ROE) | 7.3213% | 3,462 |
| Retained earnings to average equity (ytd only) | 4.2596% | 3,157 |
| Net charge-offs to loans | 0.1445% | 2,596 |
| Credit loss provision to net charge-offs | 86.9452% | 2,711 |
| Earnings coverage of net charge-offs (x) | 10.5509% | 2,600 |
| Efficiency ratio | 71.5828% | 3,282 |
| Assets per employee ($millions) | 4.1394% | 3,650 |
| Cash dividends to net income (ytd only)* | 41.8188% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 4,902 |
| Loan loss allowance to noncurrent loans | 86.9115% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8049% | 3,191 |
| Noncurrent loans to loans | 1.1862% | 2,466 |
| Net loans and leases to total assets | 63.5840% | 3,279 |
| Net loans and leases to deposits | 75.6485% | 3,240 |
| Net loans and leases to core deposits | 81.8774% | 3,125 |
| Total domestic deposits to total assets | 84.0519% | 3,699 |
| Equity capital to assets | 9.2821% | 4,969 |
| Core capital (leverage) ratio | 8.8256% | 5,217 |
| Tier 1 risk-based capital ratio | 14.1140% | 4,023 |
| Total risk-based capital ratio | 15.1751% | 4,082 |
| Memoranda: | ||
| Average total assets | $413,678,400 | 1,596 |
| Average earning assets | $385,549,400 | 1,577 |
| Average equity | $38,148,800 | 1,852 |
| Average total loans | $265,008,200 | 1,600 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 4,399 |
| Cost of funding earning assets | 0.5548% | 2,241 |
| Net interest margin | 3.2874% | 4,654 |
| Noninterest income to average assets | 0.4233% | 4,072 |
| Noninterest expense to average assets | 2.4922% | 4,556 |
| Loan and lease loss provision to assets | 0.0911% | 2,528 |
| Net operating income to assets | 0.6796% | 4,050 |
| Return on assets (ROA) | 0.6796% | 4,135 |
| Pretax return on assets | 0.9036% | 3,965 |
| Return on Equity (ROE) | 7.3818% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.3771% | 3,535 |
| Net charge-offs to loans | 0.1868% | 1,970 |
| Credit loss provision to net charge-offs | 76.2162% | 2,665 |
| Earnings coverage of net charge-offs (x) | 8.3189% | 2,822 |
| Efficiency ratio | 71.1214% | 3,325 |
| Assets per employee ($millions) | 4.0989% | 3,672 |
| Cash dividends to net income (ytd only)* | 40.7036% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 5,054 |
| Loan loss allowance to noncurrent loans | 62.2379% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 2,770 |
| Noncurrent loans to loans | 1.6619% | 1,962 |
| Net loans and leases to total assets | 63.1178% | 3,327 |
| Net loans and leases to deposits | 75.0518% | 3,303 |
| Net loans and leases to core deposits | 81.1929% | 3,181 |
| Total domestic deposits to total assets | 84.0990% | 3,720 |
| Equity capital to assets | 9.3774% | 4,947 |
| Core capital (leverage) ratio | 8.8266% | 5,300 |
| Tier 1 risk-based capital ratio | 14.3448% | 3,991 |
| Total risk-based capital ratio | 15.4202% | 4,027 |
| Memoranda: | ||
| Average total assets | $412,579,250 | 1,616 |
| Average earning assets | $384,483,250 | 1,592 |
| Average equity | $37,984,500 | 1,863 |
| Average total loans | $264,110,750 | 1,613 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 4,184 |
| Cost of funding earning assets | 0.5682% | 2,179 |
| Net interest margin | 3.3199% | 4,506 |
| Noninterest income to average assets | 0.3941% | 4,283 |
| Noninterest expense to average assets | 2.4925% | 4,597 |
| Loan and lease loss provision to assets | 0.0422% | 3,475 |
| Net operating income to assets | 0.7105% | 3,781 |
| Return on assets (ROA) | 0.7105% | 3,877 |
| Pretax return on assets | 0.9527% | 3,671 |
| Return on Equity (ROE) | 7.7654% | 3,224 |
| Retained earnings to average equity (ytd only) | 4.5723% | 3,257 |
| Net charge-offs to loans | 0.2703% | 1,468 |
| Credit loss provision to net charge-offs | 24.3697% | 3,129 |
| Earnings coverage of net charge-offs (x) | 5.7423% | 2,878 |
| Efficiency ratio | 70.9435% | 3,507 |
| Assets per employee ($millions) | 4.1993% | 3,463 |
| Cash dividends to net income (ytd only)* | 41.1202% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 5,485 |
| Loan loss allowance to noncurrent loans | 81.4637% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 3,662 |
| Noncurrent loans to loans | 1.1903% | 2,851 |
| Net loans and leases to total assets | 62.6208% | 3,301 |
| Net loans and leases to deposits | 74.1916% | 3,295 |
| Net loans and leases to core deposits | 80.5433% | 3,153 |
| Total domestic deposits to total assets | 84.4043% | 3,772 |
| Equity capital to assets | 9.2546% | 5,028 |
| Core capital (leverage) ratio | 8.6903% | 5,413 |
| Tier 1 risk-based capital ratio | 14.2606% | 4,092 |
| Total risk-based capital ratio | 15.2699% | 4,185 |
| Memoranda: | ||
| Average total assets | $412,110,330 | 1,616 |
| Average earning assets | $383,986,000 | 1,601 |
| Average equity | $37,705,670 | 1,868 |
| Average total loans | $264,137,670 | 1,605 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 4,040 |
| Cost of funding earning assets | 0.5778% | 2,170 |
| Net interest margin | 3.3326% | 4,409 |
| Noninterest income to average assets | 0.3441% | 4,621 |
| Noninterest expense to average assets | 2.5026% | 4,618 |
| Loan and lease loss provision to assets | 0.0078% | 3,717 |
| Net operating income to assets | 0.7009% | 3,683 |
| Return on assets (ROA) | 0.7009% | 3,762 |
| Pretax return on assets | 0.9378% | 3,563 |
| Return on Equity (ROE) | 7.7060% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.6300% | 3,339 |
| Net charge-offs to loans | 0.3822% | 954 |
| Credit loss provision to net charge-offs | 3.1621% | 2,658 |
| Earnings coverage of net charge-offs (x) | 3.8340% | 2,618 |
| Efficiency ratio | 71.9254% | 3,498 |
| Assets per employee ($millions) | 4.0997% | 3,721 |
| Cash dividends to net income (ytd only)* | 39.9166% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 5,638 |
| Loan loss allowance to noncurrent loans | 111.4768% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 4,457 |
| Noncurrent loans to loans | 0.8701% | 3,720 |
| Net loans and leases to total assets | 64.0997% | 2,870 |
| Net loans and leases to deposits | 77.2302% | 2,661 |
| Net loans and leases to core deposits | 83.1123% | 2,631 |
| Total domestic deposits to total assets | 82.9982% | 4,603 |
| Equity capital to assets | 9.2028% | 4,873 |
| Core capital (leverage) ratio | 8.6977% | 5,386 |
| Tier 1 risk-based capital ratio | 14.1199% | 4,248 |
| Total risk-based capital ratio | 15.1424% | 4,350 |
| Memoranda: | ||
| Average total assets | $410,301,000 | 1,635 |
| Average earning assets | $382,166,500 | 1,611 |
| Average equity | $37,321,500 | 1,881 |
| Average total loans | $264,765,500 | 1,609 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 4,607 |
| Cost of funding earning assets | 0.6306% | 2,383 |
| Net interest margin | 3.2299% | 4,895 |
| Noninterest income to average assets | 0.3766% | 4,615 |
| Noninterest expense to average assets | 2.5833% | 4,522 |
| Loan and lease loss provision to assets | 0.0545% | 4,052 |
| Net operating income to assets | 0.5551% | 4,481 |
| Return on assets (ROA) | 0.5551% | 4,607 |
| Pretax return on assets | 0.7356% | 4,399 |
| Return on Equity (ROE) | 6.0005% | 4,085 |
| Retained earnings to average equity (ytd only) | 0.2783% | 5,723 |
| Net charge-offs to loans | 0.2848% | 2,266 |
| Credit loss provision to net charge-offs | 30.1783% | 4,246 |
| Earnings coverage of net charge-offs (x) | 4.3772% | 3,586 |
| Efficiency ratio | 75.9102% | 2,788 |
| Assets per employee ($millions) | 4.1063% | 3,637 |
| Cash dividends to net income (ytd only)* | 95.3613% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 5,288 |
| Loan loss allowance to noncurrent loans | 97.2740% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 4,139 |
| Noncurrent loans to loans | 1.0970% | 3,338 |
| Net loans and leases to total assets | 63.6454% | 3,108 |
| Net loans and leases to deposits | 76.8091% | 2,882 |
| Net loans and leases to core deposits | 82.8665% | 2,791 |
| Total domestic deposits to total assets | 82.8619% | 4,587 |
| Equity capital to assets | 8.9896% | 5,048 |
| Core capital (leverage) ratio | 8.5670% | 5,588 |
| Tier 1 risk-based capital ratio | 14.2172% | 4,142 |
| Total risk-based capital ratio | 15.3602% | 4,166 |
| Memoranda: | ||
| Average total assets | $403,862,200 | 1,631 |
| Average earning assets | $374,712,200 | 1,610 |
| Average equity | $37,363,600 | 1,855 |
| Average total loans | $255,986,200 | 1,623 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 4,687 |
| Cost of funding earning assets | 0.6372% | 2,480 |
| Net interest margin | 3.2051% | 4,982 |
| Noninterest income to average assets | 0.3726% | 4,729 |
| Noninterest expense to average assets | 2.5892% | 4,427 |
| Loan and lease loss provision to assets | -0.0182% | 6,481 |
| Net operating income to assets | 0.5653% | 4,502 |
| Return on assets (ROA) | 0.5653% | 4,655 |
| Pretax return on assets | 0.7731% | 4,406 |
| Return on Equity (ROE) | 6.0660% | 4,153 |
| Retained earnings to average equity (ytd only) | -0.5194% | 6,049 |
| Net charge-offs to loans | 0.1213% | 3,335 |
| Credit loss provision to net charge-offs | -23.8095% | 5,646 |
| Earnings coverage of net charge-offs (x) | 9.8572% | 2,427 |
| Efficiency ratio | 76.7523% | 2,605 |
| Assets per employee ($millions) | 4.0824% | 3,671 |
| Cash dividends to net income (ytd only)* | 108.5630% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,045 |
| Loan loss allowance to noncurrent loans | 73.8170% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 3,575 |
| Noncurrent loans to loans | 1.5776% | 2,803 |
| Net loans and leases to total assets | 64.5327% | 2,915 |
| Net loans and leases to deposits | 78.4112% | 2,602 |
| Net loans and leases to core deposits | 83.2395% | 2,734 |
| Total domestic deposits to total assets | 82.3003% | 4,832 |
| Equity capital to assets | 9.0950% | 5,065 |
| Core capital (leverage) ratio | 8.7086% | 5,529 |
| Tier 1 risk-based capital ratio | 14.2299% | 4,270 |
| Total risk-based capital ratio | 15.4750% | 4,216 |
| Memoranda: | ||
| Average total assets | $402,170,750 | 1,652 |
| Average earning assets | $372,852,500 | 1,629 |
| Average equity | $37,476,000 | 1,866 |
| Average total loans | $253,941,500 | 1,635 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 4,702 |
| Cost of funding earning assets | 0.6405% | 2,585 |
| Net interest margin | 3.1972% | 4,960 |
| Noninterest income to average assets | 0.3718% | 4,736 |
| Noninterest expense to average assets | 2.6073% | 4,353 |
| Loan and lease loss provision to assets | -0.0650% | 6,662 |
| Net operating income to assets | 0.5694% | 4,459 |
| Return on assets (ROA) | 0.5694% | 4,629 |
| Pretax return on assets | 0.7933% | 4,339 |
| Return on Equity (ROE) | 6.0625% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.4250% | 4,141 |
| Net charge-offs to loans | 0.1670% | 2,780 |
| Credit loss provision to net charge-offs | -62.3810% | 5,557 |
| Earnings coverage of net charge-offs (x) | 6.9857% | 2,616 |
| Efficiency ratio | 77.4967% | 2,542 |
| Assets per employee ($millions) | 3.9407% | 3,932 |
| Cash dividends to net income (ytd only)* | 43.5048% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,085 |
| Loan loss allowance to noncurrent loans | 70.6481% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0695% | 3,602 |
| Noncurrent loans to loans | 1.6724% | 2,806 |
| Net loans and leases to total assets | 61.5506% | 3,378 |
| Net loans and leases to deposits | 74.8883% | 3,030 |
| Net loans and leases to core deposits | 79.5300% | 3,081 |
| Total domestic deposits to total assets | 82.1899% | 4,989 |
| Equity capital to assets | 9.1969% | 4,995 |
| Core capital (leverage) ratio | 8.7681% | 5,330 |
| Tier 1 risk-based capital ratio | 14.9271% | 3,824 |
| Total risk-based capital ratio | 16.1771% | 3,792 |
| Memoranda: | ||
| Average total assets | $402,869,330 | 1,646 |
| Average earning assets | $373,454,330 | 1,627 |
| Average equity | $37,839,000 | 1,856 |
| Average total loans | $251,515,000 | 1,652 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 4,525 |
| Cost of funding earning assets | 0.6454% | 2,702 |
| Net interest margin | 3.2421% | 4,755 |
| Noninterest income to average assets | 0.3697% | 4,709 |
| Noninterest expense to average assets | 2.6590% | 4,215 |
| Loan and lease loss provision to assets | -0.1405% | 6,865 |
| Net operating income to assets | 0.6089% | 4,172 |
| Return on assets (ROA) | 0.6089% | 4,333 |
| Pretax return on assets | 0.8551% | 3,938 |
| Return on Equity (ROE) | 6.4157% | 3,812 |
| Retained earnings to average equity (ytd only) | 4.2526% | 3,679 |
| Net charge-offs to loans | 0.3348% | 1,636 |
| Credit loss provision to net charge-offs | -67.1429% | 5,090 |
| Earnings coverage of net charge-offs (x) | 3.4143% | 2,772 |
| Efficiency ratio | 78.1388% | 2,587 |
| Assets per employee ($millions) | 3.9614% | 4,035 |
| Cash dividends to net income (ytd only)* | 33.7152% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 5,223 |
| Loan loss allowance to noncurrent loans | 56.0429% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3759% | 3,210 |
| Noncurrent loans to loans | 2.1235% | 2,470 |
| Net loans and leases to total assets | 61.7780% | 3,111 |
| Net loans and leases to deposits | 75.1846% | 2,745 |
| Net loans and leases to core deposits | 79.9812% | 2,806 |
| Total domestic deposits to total assets | 82.1684% | 5,136 |
| Equity capital to assets | 9.5480% | 4,782 |
| Core capital (leverage) ratio | 8.8229% | 5,149 |
| Tier 1 risk-based capital ratio | 14.8724% | 3,925 |
| Total risk-based capital ratio | 16.1227% | 3,885 |
| Memoranda: | ||
| Average total assets | $401,360,500 | 1,667 |
| Average earning assets | $371,854,500 | 1,648 |
| Average equity | $38,094,000 | 1,862 |
| Average total loans | $250,866,000 | 1,664 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 5,045 |
| Cost of funding earning assets | 0.7535% | 3,061 |
| Net interest margin | 3.3191% | 5,186 |
| Noninterest income to average assets | 0.4559% | 4,210 |
| Noninterest expense to average assets | 2.7796% | 4,110 |
| Loan and lease loss provision to assets | 0.1902% | 3,262 |
| Net operating income to assets | 0.4583% | 4,845 |
| Return on assets (ROA) | 0.4583% | 5,096 |
| Pretax return on assets | 0.5681% | 5,083 |
| Return on Equity (ROE) | 4.8085% | 4,779 |
| Retained earnings to average equity (ytd only) | -1.3886% | 6,074 |
| Net charge-offs to loans | 0.5383% | 2,118 |
| Credit loss provision to net charge-offs | 59.5073% | 4,461 |
| Earnings coverage of net charge-offs (x) | 2.3726% | 4,222 |
| Efficiency ratio | 77.9346% | 2,455 |
| Assets per employee ($millions) | 3.8344% | 4,298 |
| Cash dividends to net income (ytd only)* | 128.8782% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 4,519 |
| Loan loss allowance to noncurrent loans | 63.3181% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 3,322 |
| Noncurrent loans to loans | 2.0892% | 2,593 |
| Net loans and leases to total assets | 61.6592% | 3,303 |
| Net loans and leases to deposits | 75.0910% | 2,944 |
| Net loans and leases to core deposits | 79.8424% | 3,031 |
| Total domestic deposits to total assets | 82.1127% | 5,059 |
| Equity capital to assets | 9.4348% | 4,957 |
| Core capital (leverage) ratio | 8.6564% | 5,390 |
| Tier 1 risk-based capital ratio | 14.7071% | 3,889 |
| Total risk-based capital ratio | 15.9590% | 3,844 |
| Memoranda: | ||
| Average total assets | $406,467,600 | 1,610 |
| Average earning assets | $377,417,800 | 1,581 |
| Average equity | $38,743,600 | 1,795 |
| Average total loans | $241,332,400 | 1,708 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 5,097 |
| Cost of funding earning assets | 0.7793% | 3,119 |
| Net interest margin | 3.3453% | 5,226 |
| Noninterest income to average assets | 0.4617% | 4,202 |
| Noninterest expense to average assets | 2.8205% | 3,913 |
| Loan and lease loss provision to assets | 0.2022% | 3,062 |
| Net operating income to assets | 0.4434% | 5,064 |
| Return on assets (ROA) | 0.4434% | 5,305 |
| Pretax return on assets | 0.5465% | 5,318 |
| Return on Equity (ROE) | 4.6403% | 4,986 |
| Retained earnings to average equity (ytd only) | -2.8732% | 6,474 |
| Net charge-offs to loans | 0.3685% | 2,624 |
| Credit loss provision to net charge-offs | 93.6364% | 3,189 |
| Earnings coverage of net charge-offs (x) | 3.4667% | 3,632 |
| Efficiency ratio | 78.3992% | 2,339 |
| Assets per employee ($millions) | 3.6497% | 4,658 |
| Cash dividends to net income (ytd only)* | 161.9189% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 3,679 |
| Loan loss allowance to noncurrent loans | 64.4137% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.4888% | 3,361 |
| Noncurrent loans to loans | 2.4269% | 2,368 |
| Net loans and leases to total assets | 59.7906% | 3,821 |
| Net loans and leases to deposits | 72.7910% | 3,477 |
| Net loans and leases to core deposits | 76.8225% | 3,624 |
| Total domestic deposits to total assets | 82.1402% | 4,967 |
| Equity capital to assets | 9.5424% | 5,151 |
| Core capital (leverage) ratio | 8.6013% | 5,619 |
| Tier 1 risk-based capital ratio | 14.8064% | 3,978 |
| Total risk-based capital ratio | 16.0613% | 3,929 |
| Memoranda: | ||
| Average total assets | $407,430,500 | 1,617 |
| Average earning assets | $378,473,000 | 1,597 |
| Average equity | $38,933,000 | 1,802 |
| Average total loans | $238,771,000 | 1,736 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 5,153 |
| Cost of funding earning assets | 0.8052% | 3,146 |
| Net interest margin | 3.3381% | 5,314 |
| Noninterest income to average assets | 0.4465% | 4,319 |
| Noninterest expense to average assets | 2.8636% | 3,772 |
| Loan and lease loss provision to assets | 0.1920% | 3,169 |
| Net operating income to assets | 0.4118% | 5,172 |
| Return on assets (ROA) | 0.4118% | 5,404 |
| Pretax return on assets | 0.4934% | 5,455 |
| Return on Equity (ROE) | 4.3075% | 5,129 |
| Retained earnings to average equity (ytd only) | 2.6469% | 4,854 |
| Net charge-offs to loans | 0.5526% | 1,932 |
| Credit loss provision to net charge-offs | 60.0000% | 3,797 |
| Earnings coverage of net charge-offs (x) | 2.1420% | 3,916 |
| Efficiency ratio | 80.0688% | 2,159 |
| Assets per employee ($millions) | 3.6856% | 4,548 |
| Cash dividends to net income (ytd only)* | 38.5528% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,997 |
| Loan loss allowance to noncurrent loans | 67.0274% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.3271% | 3,782 |
| Noncurrent loans to loans | 2.2403% | 2,683 |
| Net loans and leases to total assets | 57.5930% | 4,236 |
| Net loans and leases to deposits | 70.8547% | 3,782 |
| Net loans and leases to core deposits | 75.0135% | 3,881 |
| Total domestic deposits to total assets | 81.2833% | 5,364 |
| Equity capital to assets | 9.6632% | 4,803 |
| Core capital (leverage) ratio | 8.7623% | 5,278 |
| Tier 1 risk-based capital ratio | 15.5364% | 3,417 |
| Total risk-based capital ratio | 16.7902% | 3,376 |
| Memoranda: | ||
| Average total assets | $409,417,000 | 1,615 |
| Average earning assets | $380,517,670 | 1,590 |
| Average equity | $39,140,670 | 1,776 |
| Average total loans | $237,076,670 | 1,740 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 5,097 |
| Cost of funding earning assets | 0.8422% | 3,131 |
| Net interest margin | 3.3592% | 5,266 |
| Noninterest income to average assets | 0.4287% | 4,464 |
| Noninterest expense to average assets | 2.6437% | 4,650 |
| Loan and lease loss provision to assets | 0.7686% | 649 |
| Net operating income to assets | 0.1817% | 6,037 |
| Return on assets (ROA) | 0.1817% | 6,177 |
| Pretax return on assets | 0.1406% | 6,320 |
| Return on Equity (ROE) | 1.9104% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.2362% | 5,904 |
| Net charge-offs to loans | 0.1136% | 3,437 |
| Credit loss provision to net charge-offs | 1,174.6269% | 298 |
| Earnings coverage of net charge-offs (x) | 13.8955% | 1,501 |
| Efficiency ratio | 73.7768% | 3,131 |
| Assets per employee ($millions) | 3.6521% | 4,755 |
| Cash dividends to net income (ytd only)* | 87.6344% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 2,565 |
| Loan loss allowance to noncurrent loans | 76.3861% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4896% | 3,631 |
| Noncurrent loans to loans | 2.5369% | 2,570 |
| Net loans and leases to total assets | 56.5862% | 4,275 |
| Net loans and leases to deposits | 69.5624% | 3,794 |
| Net loans and leases to core deposits | 73.7854% | 3,922 |
| Total domestic deposits to total assets | 81.3460% | 5,512 |
| Equity capital to assets | 9.5138% | 4,786 |
| Core capital (leverage) ratio | 8.6459% | 5,386 |
| Tier 1 risk-based capital ratio | 15.6630% | 3,357 |
| Total risk-based capital ratio | 16.9228% | 3,323 |
| Memoranda: | ||
| Average total assets | $409,575,500 | 1,621 |
| Average earning assets | $380,926,500 | 1,592 |
| Average equity | $38,945,000 | 1,783 |
| Average total loans | $236,012,500 | 1,751 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 5,219 |
| Cost of funding earning assets | 1.1045% | 2,641 |
| Net interest margin | 3.3557% | 5,626 |
| Noninterest income to average assets | 0.4365% | 4,321 |
| Noninterest expense to average assets | 2.7739% | 4,458 |
| Loan and lease loss provision to assets | 0.2268% | 3,936 |
| Net operating income to assets | 0.4588% | 4,598 |
| Return on assets (ROA) | 0.4588% | 4,810 |
| Pretax return on assets | 0.5502% | 4,832 |
| Return on Equity (ROE) | 4.9061% | 4,438 |
| Retained earnings to average equity (ytd only) | 3.1261% | 4,001 |
| Net charge-offs to loans | -0.2857% | 7,238 |
| Credit loss provision to net charge-offs | -136.6716% | 6,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4849% | 2,666 |
| Assets per employee ($millions) | 3.7625% | 4,407 |
| Cash dividends to net income (ytd only)* | 36.2813% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 3,455 |
| Loan loss allowance to noncurrent loans | 66.3567% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 3,358 |
| Noncurrent loans to loans | 2.4611% | 2,673 |
| Net loans and leases to total assets | 56.6034% | 4,607 |
| Net loans and leases to deposits | 69.1677% | 4,250 |
| Net loans and leases to core deposits | 74.1818% | 4,212 |
| Total domestic deposits to total assets | 81.8350% | 5,181 |
| Equity capital to assets | 9.5035% | 4,889 |
| Core capital (leverage) ratio | 8.6756% | 5,287 |
| Tier 1 risk-based capital ratio | 14.9479% | 3,670 |
| Total risk-based capital ratio | 16.1979% | 3,630 |
| Memoranda: | ||
| Average total assets | $409,136,400 | 1,584 |
| Average earning assets | $379,712,800 | 1,562 |
| Average equity | $38,258,800 | 1,761 |
| Average total loans | $237,694,600 | 1,765 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 5,157 |
| Cost of funding earning assets | 1.1670% | 2,521 |
| Net interest margin | 3.3643% | 5,674 |
| Noninterest income to average assets | 0.4268% | 4,465 |
| Noninterest expense to average assets | 2.8153% | 4,282 |
| Loan and lease loss provision to assets | 0.2067% | 3,951 |
| Net operating income to assets | 0.4350% | 4,836 |
| Return on assets (ROA) | 0.4350% | 5,032 |
| Pretax return on assets | 0.5247% | 5,061 |
| Return on Equity (ROE) | 4.6708% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.8291% | 4,661 |
| Net charge-offs to loans | -0.4188% | 7,333 |
| Credit loss provision to net charge-offs | -84.7594% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7441% | 2,435 |
| Assets per employee ($millions) | 3.7289% | 4,463 |
| Cash dividends to net income (ytd only)* | 39.4306% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 3,867 |
| Loan loss allowance to noncurrent loans | 58.8359% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.8821% | 3,291 |
| Noncurrent loans to loans | 2.6425% | 2,632 |
| Net loans and leases to total assets | 56.5333% | 4,755 |
| Net loans and leases to deposits | 69.8691% | 4,324 |
| Net loans and leases to core deposits | 74.5431% | 4,373 |
| Total domestic deposits to total assets | 80.9132% | 5,463 |
| Equity capital to assets | 9.6476% | 4,857 |
| Core capital (leverage) ratio | 8.6660% | 5,465 |
| Tier 1 risk-based capital ratio | 14.8883% | 3,726 |
| Total risk-based capital ratio | 16.1381% | 3,700 |
| Memoranda: | ||
| Average total assets | $408,892,250 | 1,595 |
| Average earning assets | $379,183,250 | 1,572 |
| Average equity | $38,079,750 | 1,775 |
| Average total loans | $238,120,250 | 1,770 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 5,111 |
| Cost of funding earning assets | 1.2001% | 2,585 |
| Net interest margin | 3.3670% | 5,656 |
| Noninterest income to average assets | 0.3798% | 4,847 |
| Noninterest expense to average assets | 2.8157% | 4,364 |
| Loan and lease loss provision to assets | 0.0937% | 5,157 |
| Net operating income to assets | 0.4774% | 4,605 |
| Return on assets (ROA) | 0.4774% | 4,746 |
| Pretax return on assets | 0.5916% | 4,762 |
| Return on Equity (ROE) | 5.1881% | 4,367 |
| Retained earnings to average equity (ytd only) | 3.2783% | 4,176 |
| Net charge-offs to loans | 0.5240% | 2,528 |
| Credit loss provision to net charge-offs | 30.5732% | 4,977 |
| Earnings coverage of net charge-offs (x) | 2.2357% | 3,715 |
| Efficiency ratio | 79.7825% | 2,422 |
| Assets per employee ($millions) | 3.8145% | 4,167 |
| Cash dividends to net income (ytd only)* | 36.8098% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 6,930 |
| Loan loss allowance to noncurrent loans | 41.0844% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 3,779 |
| Noncurrent loans to loans | 1.8603% | 3,663 |
| Net loans and leases to total assets | 57.0768% | 4,808 |
| Net loans and leases to deposits | 71.6392% | 4,172 |
| Net loans and leases to core deposits | 76.1434% | 4,300 |
| Total domestic deposits to total assets | 79.6726% | 5,909 |
| Equity capital to assets | 9.3799% | 5,015 |
| Core capital (leverage) ratio | 8.4793% | 5,585 |
| Tier 1 risk-based capital ratio | 14.6305% | 3,706 |
| Total risk-based capital ratio | 15.3993% | 4,034 |
| Memoranda: | ||
| Average total assets | $409,705,000 | 1,604 |
| Average earning assets | $379,798,670 | 1,579 |
| Average equity | $37,702,000 | 1,778 |
| Average total loans | $239,690,000 | 1,776 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 5,206 |
| Cost of funding earning assets | 1.2431% | 2,550 |
| Net interest margin | 3.2962% | 5,793 |
| Noninterest income to average assets | 0.3456% | 5,149 |
| Noninterest expense to average assets | 2.7765% | 4,540 |
| Loan and lease loss provision to assets | 0.1194% | 4,519 |
| Net operating income to assets | 0.4229% | 4,841 |
| Return on assets (ROA) | 0.4229% | 4,931 |
| Pretax return on assets | 0.5052% | 5,012 |
| Return on Equity (ROE) | 4.6412% | 4,580 |
| Retained earnings to average equity (ytd only) | 2.7073% | 4,543 |
| Net charge-offs to loans | 0.8844% | 1,499 |
| Credit loss provision to net charge-offs | 22.8893% | 4,227 |
| Earnings coverage of net charge-offs (x) | 1.1970% | 3,764 |
| Efficiency ratio | 80.9729% | 2,372 |
| Assets per employee ($millions) | 3.7755% | 4,358 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 6,989 |
| Loan loss allowance to noncurrent loans | 38.8044% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 1.7040% | 3,696 |
| Noncurrent loans to loans | 1.9570% | 3,633 |
| Net loans and leases to total assets | 58.8732% | 4,482 |
| Net loans and leases to deposits | 74.7808% | 3,640 |
| Net loans and leases to core deposits | 78.2936% | 3,981 |
| Total domestic deposits to total assets | 78.7277% | 6,252 |
| Equity capital to assets | 9.1690% | 4,922 |
| Core capital (leverage) ratio | 8.4383% | 5,562 |
| Tier 1 risk-based capital ratio | 14.3200% | 3,855 |
| Total risk-based capital ratio | 15.0926% | 4,160 |
| Memoranda: | ||
| Average total assets | $408,574,500 | 1,618 |
| Average earning assets | $378,742,500 | 1,600 |
| Average equity | $37,232,000 | 1,788 |
| Average total loans | $241,061,000 | 1,788 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 5,086 |
| Cost of funding earning assets | 1.4763% | 2,780 |
| Net interest margin | 3.4131% | 5,580 |
| Noninterest income to average assets | 0.4505% | 4,507 |
| Noninterest expense to average assets | 2.6511% | 5,212 |
| Loan and lease loss provision to assets | 0.2352% | 4,928 |
| Net operating income to assets | 0.5643% | 3,829 |
| Return on assets (ROA) | 0.5703% | 3,960 |
| Pretax return on assets | 0.7316% | 3,864 |
| Return on Equity (ROE) | 6.3179% | 3,440 |
| Retained earnings to average equity (ytd only) | 4.1095% | 2,978 |
| Net charge-offs to loans | 0.3893% | 4,090 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 4.0783% | 3,075 |
| Efficiency ratio | 72.8070% | 3,638 |
| Assets per employee ($millions) | 3.7559% | 4,353 |
| Cash dividends to net income (ytd only)* | 34.9548% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,623 |
| Loan loss allowance to noncurrent loans | 57.1756% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6134% | 3,896 |
| Noncurrent loans to loans | 1.6360% | 4,047 |
| Net loans and leases to total assets | 58.1297% | 5,007 |
| Net loans and leases to deposits | 74.0106% | 4,188 |
| Net loans and leases to core deposits | 78.0121% | 4,460 |
| Total domestic deposits to total assets | 78.5424% | 6,204 |
| Equity capital to assets | 9.0566% | 5,065 |
| Core capital (leverage) ratio | 8.3300% | 5,644 |
| Tier 1 risk-based capital ratio | 14.2078% | 3,736 |
| Total risk-based capital ratio | 15.1537% | 3,902 |
| Memoranda: | ||
| Average total assets | $407,341,000 | 1,621 |
| Average earning assets | $377,100,800 | 1,596 |
| Average equity | $36,768,600 | 1,803 |
| Average total loans | $246,108,200 | 1,781 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 4,919 |
| Cost of funding earning assets | 1.5246% | 2,809 |
| Net interest margin | 3.4526% | 5,483 |
| Noninterest income to average assets | 0.4451% | 4,595 |
| Noninterest expense to average assets | 2.6068% | 5,301 |
| Loan and lease loss provision to assets | 0.2746% | 4,390 |
| Net operating income to assets | 0.5877% | 3,926 |
| Return on assets (ROA) | 0.5955% | 4,050 |
| Pretax return on assets | 0.7689% | 4,015 |
| Return on Equity (ROE) | 6.6026% | 3,528 |
| Retained earnings to average equity (ytd only) | 4.6404% | 3,235 |
| Net charge-offs to loans | 0.3727% | 3,811 |
| Credit loss provision to net charge-offs | 121.0983% | 3,398 |
| Earnings coverage of net charge-offs (x) | 4.5564% | 2,999 |
| Efficiency ratio | 70.9913% | 3,883 |
| Assets per employee ($millions) | 3.8018% | 4,265 |
| Cash dividends to net income (ytd only)* | 29.7192% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 6,450 |
| Loan loss allowance to noncurrent loans | 54.4958% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 3,913 |
| Noncurrent loans to loans | 1.8139% | 3,929 |
| Net loans and leases to total assets | 58.4010% | 5,200 |
| Net loans and leases to deposits | 75.9469% | 4,189 |
| Net loans and leases to core deposits | 80.5047% | 4,447 |
| Total domestic deposits to total assets | 76.8971% | 6,500 |
| Equity capital to assets | 9.2187% | 5,284 |
| Core capital (leverage) ratio | 8.2686% | 5,931 |
| Tier 1 risk-based capital ratio | 13.8141% | 3,971 |
| Total risk-based capital ratio | 14.8021% | 4,108 |
| Memoranda: | ||
| Average total assets | $406,828,000 | 1,652 |
| Average earning assets | $376,483,500 | 1,620 |
| Average equity | $36,691,500 | 1,825 |
| Average total loans | $247,578,750 | 1,797 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 4,790 |
| Cost of funding earning assets | 1.5569% | 2,924 |
| Net interest margin | 3.4754% | 5,340 |
| Noninterest income to average assets | 0.4315% | 4,667 |
| Noninterest expense to average assets | 2.6106% | 5,276 |
| Loan and lease loss provision to assets | 0.3541% | 3,595 |
| Net operating income to assets | 0.5392% | 4,147 |
| Return on assets (ROA) | 0.5513% | 4,227 |
| Pretax return on assets | 0.7007% | 4,239 |
| Return on Equity (ROE) | 6.1589% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.3410% | 3,312 |
| Net charge-offs to loans | 0.3994% | 3,380 |
| Credit loss provision to net charge-offs | 144.1767% | 2,755 |
| Earnings coverage of net charge-offs (x) | 4.2329% | 3,013 |
| Efficiency ratio | 70.8998% | 4,002 |
| Assets per employee ($millions) | 3.8080% | 4,205 |
| Cash dividends to net income (ytd only)* | 29.5170% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 6,446 |
| Loan loss allowance to noncurrent loans | 63.1116% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.5351% | 4,159 |
| Noncurrent loans to loans | 1.5696% | 4,355 |
| Net loans and leases to total assets | 59.8038% | 5,100 |
| Net loans and leases to deposits | 77.5875% | 4,067 |
| Net loans and leases to core deposits | 82.2997% | 4,376 |
| Total domestic deposits to total assets | 77.0791% | 6,487 |
| Equity capital to assets | 9.1112% | 5,279 |
| Core capital (leverage) ratio | 8.1935% | 5,949 |
| Tier 1 risk-based capital ratio | 13.5413% | 4,042 |
| Total risk-based capital ratio | 14.5437% | 4,174 |
| Memoranda: | ||
| Average total assets | $405,574,330 | 1,674 |
| Average earning assets | $375,615,000 | 1,644 |
| Average equity | $36,305,000 | 1,834 |
| Average total loans | $249,377,670 | 1,819 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 4,743 |
| Cost of funding earning assets | 1.5742% | 3,111 |
| Net interest margin | 3.4838% | 5,226 |
| Noninterest income to average assets | 0.3925% | 4,975 |
| Noninterest expense to average assets | 2.5910% | 5,387 |
| Loan and lease loss provision to assets | 0.5220% | 2,413 |
| Net operating income to assets | 0.4138% | 4,777 |
| Return on assets (ROA) | 0.4389% | 4,799 |
| Pretax return on assets | 0.5348% | 4,835 |
| Return on Equity (ROE) | 4.9477% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.2762% | 4,180 |
| Net charge-offs to loans | 0.6565% | 2,182 |
| Credit loss provision to net charge-offs | 128.1553% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.5194% | 3,283 |
| Efficiency ratio | 71.0030% | 4,120 |
| Assets per employee ($millions) | 3.7944% | 4,330 |
| Cash dividends to net income (ytd only)* | 33.7838% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 6,786 |
| Loan loss allowance to noncurrent loans | 56.7179% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.7049% | 3,922 |
| Noncurrent loans to loans | 1.6180% | 4,320 |
| Net loans and leases to total assets | 60.8451% | 4,963 |
| Net loans and leases to deposits | 78.9855% | 3,841 |
| Net loans and leases to core deposits | 83.5761% | 4,261 |
| Total domestic deposits to total assets | 77.0333% | 6,557 |
| Equity capital to assets | 8.8943% | 5,415 |
| Core capital (leverage) ratio | 8.0742% | 6,125 |
| Tier 1 risk-based capital ratio | 13.2792% | 4,143 |
| Total risk-based capital ratio | 14.2170% | 4,337 |
| Memoranda: | ||
| Average total assets | $404,634,500 | 1,714 |
| Average earning assets | $374,537,000 | 1,690 |
| Average equity | $35,895,500 | 1,873 |
| Average total loans | $251,011,000 | 1,861 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 4,414 |
| Cost of funding earning assets | 1.9531% | 3,195 |
| Net interest margin | 3.5017% | 4,948 |
| Noninterest income to average assets | 0.4552% | 4,759 |
| Noninterest expense to average assets | 2.6157% | 5,736 |
| Loan and lease loss provision to assets | 0.4552% | 4,096 |
| Net operating income to assets | 0.5041% | 3,709 |
| Return on assets (ROA) | 0.5067% | 3,799 |
| Pretax return on assets | 0.6343% | 3,796 |
| Return on Equity (ROE) | 5.9450% | 3,235 |
| Retained earnings to average equity (ytd only) | 3.5321% | 2,704 |
| Net charge-offs to loans | 0.5493% | 3,588 |
| Credit loss provision to net charge-offs | 131.0271% | 3,874 |
| Earnings coverage of net charge-offs (x) | 3.1270% | 3,497 |
| Efficiency ratio | 70.0020% | 4,630 |
| Assets per employee ($millions) | 3.7340% | 4,441 |
| Cash dividends to net income (ytd only)* | 40.5868% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 7,039 |
| Loan loss allowance to noncurrent loans | 48.8848% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.2622% | 4,562 |
| Noncurrent loans to loans | 1.7032% | 4,086 |
| Net loans and leases to total assets | 62.1419% | 4,961 |
| Net loans and leases to deposits | 80.7319% | 3,852 |
| Net loans and leases to core deposits | 96.5119% | 4,400 |
| Total domestic deposits to total assets | 76.9732% | 6,484 |
| Equity capital to assets | 8.8477% | 5,360 |
| Core capital (leverage) ratio | 8.0421% | 6,095 |
| Tier 1 risk-based capital ratio | 13.0397% | 4,122 |
| Total risk-based capital ratio | 13.8955% | 4,340 |
| Memoranda: | ||
| Average total assets | $403,597,400 | 1,697 |
| Average earning assets | $374,218,000 | 1,679 |
| Average equity | $34,398,600 | 1,956 |
| Average total loans | $255,223,800 | 1,862 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4932% | 4,447 |
| Cost of funding earning assets | 2.0458% | 3,137 |
| Net interest margin | 3.4474% | 5,082 |
| Noninterest income to average assets | 0.4495% | 4,898 |
| Noninterest expense to average assets | 2.6565% | 5,502 |
| Loan and lease loss provision to assets | 0.4185% | 3,813 |
| Net operating income to assets | 0.4591% | 4,165 |
| Return on assets (ROA) | 0.4591% | 4,270 |
| Pretax return on assets | 0.5714% | 4,293 |
| Return on Equity (ROE) | 5.4383% | 3,767 |
| Retained earnings to average equity (ytd only) | 2.8561% | 3,734 |
| Net charge-offs to loans | 0.5357% | 3,073 |
| Credit loss provision to net charge-offs | 123.2490% | 4,095 |
| Earnings coverage of net charge-offs (x) | 2.9154% | 3,771 |
| Efficiency ratio | 72.1739% | 4,215 |
| Assets per employee ($millions) | 3.6731% | 4,491 |
| Cash dividends to net income (ytd only)* | 47.4820% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 7,298 |
| Loan loss allowance to noncurrent loans | 47.1058% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 1.2336% | 4,591 |
| Noncurrent loans to loans | 1.5602% | 4,300 |
| Net loans and leases to total assets | 63.6916% | 4,931 |
| Net loans and leases to deposits | 84.5257% | 3,563 |
| Net loans and leases to core deposits | 102.7091% | 4,084 |
| Total domestic deposits to total assets | 75.3517% | 6,707 |
| Equity capital to assets | 8.8880% | 5,651 |
| Core capital (leverage) ratio | 7.9809% | 6,393 |
| Tier 1 risk-based capital ratio | 12.6616% | 4,427 |
| Total risk-based capital ratio | 13.4197% | 4,770 |
| Memoranda: | ||
| Average total assets | $403,679,500 | 1,713 |
| Average earning assets | $374,345,000 | 1,697 |
| Average equity | $34,078,250 | 1,997 |
| Average total loans | $255,854,000 | 1,880 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 4,525 |
| Cost of funding earning assets | 2.1269% | 3,153 |
| Net interest margin | 3.3908% | 5,207 |
| Noninterest income to average assets | 0.4308% | 5,019 |
| Noninterest expense to average assets | 2.7200% | 5,306 |
| Loan and lease loss provision to assets | 0.4383% | 3,361 |
| Net operating income to assets | 0.3548% | 4,664 |
| Return on assets (ROA) | 0.3548% | 4,775 |
| Pretax return on assets | 0.4141% | 4,895 |
| Return on Equity (ROE) | 4.2769% | 4,385 |
| Retained earnings to average equity (ytd only) | 1.2390% | 4,657 |
| Net charge-offs to loans | 0.6450% | 2,419 |
| Credit loss provision to net charge-offs | 107.6456% | 4,285 |
| Earnings coverage of net charge-offs (x) | 2.0934% | 4,028 |
| Efficiency ratio | 75.4219% | 3,801 |
| Assets per employee ($millions) | 3.6738% | 4,391 |
| Cash dividends to net income (ytd only)* | 71.0306% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 7,476 |
| Loan loss allowance to noncurrent loans | 43.5767% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2019% | 4,533 |
| Noncurrent loans to loans | 1.5518% | 4,167 |
| Net loans and leases to total assets | 62.2616% | 5,316 |
| Net loans and leases to deposits | 81.5879% | 4,287 |
| Net loans and leases to core deposits | 99.3505% | 4,572 |
| Total domestic deposits to total assets | 76.3124% | 6,482 |
| Equity capital to assets | 8.4140% | 6,173 |
| Core capital (leverage) ratio | 7.7351% | 6,697 |
| Tier 1 risk-based capital ratio | 12.3518% | 4,639 |
| Total risk-based capital ratio | 13.0350% | 5,031 |
| Memoranda: | ||
| Average total assets | $404,781,670 | 1,733 |
| Average earning assets | $375,013,000 | 1,722 |
| Average equity | $33,576,000 | 2,027 |
| Average total loans | $255,508,000 | 1,913 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5142% | 4,831 |
| Cost of funding earning assets | 2.2027% | 3,154 |
| Net interest margin | 3.3115% | 5,457 |
| Noninterest income to average assets | 0.4088% | 5,144 |
| Noninterest expense to average assets | 2.6600% | 5,182 |
| Loan and lease loss provision to assets | 0.7129% | 1,794 |
| Net operating income to assets | 0.1600% | 5,788 |
| Return on assets (ROA) | 0.1600% | 5,956 |
| Pretax return on assets | 0.1205% | 6,118 |
| Return on Equity (ROE) | 1.9423% | 5,791 |
| Retained earnings to average equity (ytd only) | -2.3739% | 6,169 |
| Net charge-offs to loans | 0.8667% | 1,505 |
| Credit loss provision to net charge-offs | 129.8561% | 3,092 |
| Earnings coverage of net charge-offs (x) | 1.5180% | 3,971 |
| Efficiency ratio | 75.3816% | 3,589 |
| Assets per employee ($millions) | 3.6460% | 4,459 |
| Cash dividends to net income (ytd only)* | 222.2222% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7086% | 7,418 |
| Loan loss allowance to noncurrent loans | 40.6264% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2513% | 4,174 |
| Noncurrent loans to loans | 1.7441% | 3,648 |
| Net loans and leases to total assets | 62.8792% | 5,177 |
| Net loans and leases to deposits | 81.8500% | 4,314 |
| Net loans and leases to core deposits | 101.1515% | 4,425 |
| Total domestic deposits to total assets | 76.8225% | 6,326 |
| Equity capital to assets | 8.2599% | 6,447 |
| Core capital (leverage) ratio | 7.6083% | 7,017 |
| Tier 1 risk-based capital ratio | 12.0822% | 4,895 |
| Total risk-based capital ratio | 12.8010% | 5,256 |
| Memoranda: | ||
| Average total assets | $405,111,500 | 1,739 |
| Average earning assets | $377,352,000 | 1,720 |
| Average equity | $33,362,500 | 2,031 |
| Average total loans | $256,599,000 | 1,919 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8917% | 6,078 |
| Cost of funding earning assets | 2.7257% | 3,037 |
| Net interest margin | 3.1660% | 6,475 |
| Noninterest income to average assets | 0.4264% | 5,245 |
| Noninterest expense to average assets | 2.5261% | 5,904 |
| Loan and lease loss provision to assets | 0.0961% | 6,157 |
| Net operating income to assets | 0.5671% | 4,452 |
| Return on assets (ROA) | 0.5671% | 4,311 |
| Pretax return on assets | 0.7585% | 4,215 |
| Return on Equity (ROE) | 6.9292% | 3,567 |
| Retained earnings to average equity (ytd only) | -1.6980% | 5,790 |
| Net charge-offs to loans | 0.1108% | 5,164 |
| Credit loss provision to net charge-offs | 138.9892% | 3,818 |
| Earnings coverage of net charge-offs (x) | 12.3646% | 2,254 |
| Efficiency ratio | 73.9262% | 3,591 |
| Assets per employee ($millions) | 3.7204% | 4,133 |
| Cash dividends to net income (ytd only)* | 124.5051% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6423% | 7,568 |
| Loan loss allowance to noncurrent loans | 87.6727% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 5,282 |
| Noncurrent loans to loans | 0.7326% | 5,197 |
| Net loans and leases to total assets | 62.9458% | 5,463 |
| Net loans and leases to deposits | 81.7249% | 4,766 |
| Net loans and leases to core deposits | 101.1271% | 4,712 |
| Total domestic deposits to total assets | 77.0216% | 5,984 |
| Equity capital to assets | 8.2109% | 6,535 |
| Core capital (leverage) ratio | 7.6104% | 7,063 |
| Tier 1 risk-based capital ratio | 12.2664% | 4,614 |
| Total risk-based capital ratio | 12.9272% | 4,972 |
| Memoranda: | ||
| Average total assets | $400,808,000 | 1,698 |
| Average earning assets | $374,002,000 | 1,661 |
| Average equity | $32,803,400 | 2,065 |
| Average total loans | $249,904,400 | 1,906 |