Home > Welch State Bank of Welch, Okla. > Performance and Condition Ratios
Welch State Bank of Welch, Okla., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4923% | 1,169 |
| Cost of funding earning assets | 1.1738% | 2,872 |
| Net interest margin | 4.3185% | 788 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 3.1845% | 842 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.5258% | 971 |
| Return on assets (ROA) | 1.5321% | 934 |
| Pretax return on assets | 1.5321% | 1,353 |
| Return on Equity (ROE) | 18.2400% | 790 |
| Retained earnings to average equity (ytd only) | 6.3442% | 2,116 |
| Net charge-offs to loans | 0.0700% | 1,150 |
| Credit loss provision to net charge-offs | 260.8696% | 1,044 |
| Earnings coverage of net charge-offs (x) | 35.6304% | 1,518 |
| Efficiency ratio | 65.9198% | 2,367 |
| Assets per employee ($millions) | 4.2970% | 4,048 |
| Cash dividends to net income (ytd only)* | 65.2188% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 750 |
| Loan loss allowance to noncurrent loans | 443.3699% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 2,010 |
| Noncurrent loans to loans | 0.3734% | 1,873 |
| Net loans and leases to total assets | 63.3800% | 2,526 |
| Net loans and leases to deposits | 73.0485% | 2,691 |
| Net loans and leases to core deposits | 91.2318% | 1,969 |
| Total domestic deposits to total assets | 86.7600% | 1,766 |
| Equity capital to assets | 8.9895% | 2,681 |
| Core capital (leverage) ratio | 10.1328% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $398,206,000 | 2,020 |
| Average earning assets | $368,022,600 | 2,018 |
| Average equity | $33,448,000 | 2,120 |
| Average total loans | $262,913,800 | 1,944 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 1,194 |
| Cost of funding earning assets | 1.0443% | 2,907 |
| Net interest margin | 4.3175% | 787 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 3.2588% | 759 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4720% | 1,186 |
| Return on assets (ROA) | 1.4795% | 1,146 |
| Pretax return on assets | 1.4795% | 1,604 |
| Return on Equity (ROE) | 17.9500% | 954 |
| Retained earnings to average equity (ytd only) | 5.1577% | 2,881 |
| Net charge-offs to loans | 0.0214% | 1,682 |
| Credit loss provision to net charge-offs | 857.1429% | 441 |
| Earnings coverage of net charge-offs (x) | 112.0238% | 872 |
| Efficiency ratio | 67.1530% | 2,123 |
| Assets per employee ($millions) | 4.0614% | 4,140 |
| Cash dividends to net income (ytd only)* | 71.2617% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 779 |
| Loan loss allowance to noncurrent loans | 461.7769% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 2,038 |
| Noncurrent loans to loans | 0.3581% | 1,946 |
| Net loans and leases to total assets | 66.7800% | 2,178 |
| Net loans and leases to deposits | 77.4125% | 2,294 |
| Net loans and leases to core deposits | 92.9234% | 1,739 |
| Total domestic deposits to total assets | 86.2700% | 2,112 |
| Equity capital to assets | 7.7174% | 3,230 |
| Core capital (leverage) ratio | 10.1124% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $393,555,250 | 2,031 |
| Average earning assets | $363,753,250 | 2,029 |
| Average equity | $32,442,750 | 2,148 |
| Average total loans | $261,488,250 | 1,959 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 1,195 |
| Cost of funding earning assets | 0.8389% | 3,101 |
| Net interest margin | 4.3746% | 726 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 3.1612% | 830 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.6278% | 902 |
| Return on assets (ROA) | 1.6385% | 894 |
| Pretax return on assets | 1.6385% | 1,341 |
| Return on Equity (ROE) | 19.4600% | 771 |
| Retained earnings to average equity (ytd only) | 5.8635% | 2,672 |
| Net charge-offs to loans | 0.0232% | 1,418 |
| Credit loss provision to net charge-offs | 800.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 114.3667% | 868 |
| Efficiency ratio | 64.3644% | 2,440 |
| Assets per employee ($millions) | 4.1368% | 4,126 |
| Cash dividends to net income (ytd only)* | 69.8630% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 905 |
| Loan loss allowance to noncurrent loans | 890.2041% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 2,681 |
| Noncurrent loans to loans | 0.1816% | 2,566 |
| Net loans and leases to total assets | 66.8400% | 2,073 |
| Net loans and leases to deposits | 77.4840% | 2,181 |
| Net loans and leases to core deposits | 91.3642% | 1,719 |
| Total domestic deposits to total assets | 86.2700% | 2,157 |
| Equity capital to assets | 8.4821% | 2,882 |
| Core capital (leverage) ratio | 10.1474% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $392,066,667 | 2,033 |
| Average earning assets | $362,362,333 | 2,036 |
| Average equity | $33,018,000 | 2,141 |
| Average total loans | $258,556,667 | 1,961 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 1,115 |
| Cost of funding earning assets | 0.6790% | 3,125 |
| Net interest margin | 4.3877% | 700 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 3.3014% | 699 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.5064% | 1,174 |
| Return on assets (ROA) | 1.5218% | 1,119 |
| Pretax return on assets | 1.5218% | 1,621 |
| Return on Equity (ROE) | 18.1400% | 1,008 |
| Retained earnings to average equity (ytd only) | 1.2850% | 3,824 |
| Net charge-offs to loans | 0.0585% | 789 |
| Credit loss provision to net charge-offs | 324.3243% | 666 |
| Earnings coverage of net charge-offs (x) | 42.8919% | 1,161 |
| Efficiency ratio | 66.9513% | 2,095 |
| Assets per employee ($millions) | 4.3458% | 4,105 |
| Cash dividends to net income (ytd only)* | 92.9150% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 881 |
| Loan loss allowance to noncurrent loans | 1,058.7500% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 2,833 |
| Noncurrent loans to loans | 0.1575% | 2,699 |
| Net loans and leases to total assets | 62.4700% | 2,419 |
| Net loans and leases to deposits | 68.5673% | 2,728 |
| Net loans and leases to core deposits | 83.8824% | 1,988 |
| Total domestic deposits to total assets | 91.1100% | 764 |
| Equity capital to assets | 8.3967% | 2,970 |
| Core capital (leverage) ratio | 10.1551% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $389,534,000 | 2,070 |
| Average earning assets | $360,553,000 | 2,064 |
| Average equity | $32,684,500 | 2,175 |
| Average total loans | $252,927,000 | 2,008 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 362 |
| Cost of funding earning assets | 0.2156% | 3,628 |
| Net interest margin | 4.6878% | 207 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 3.2901% | 633 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.8979% | 358 |
| Return on assets (ROA) | 1.9015% | 345 |
| Pretax return on assets | 1.9015% | 584 |
| Return on Equity (ROE) | 20.5500% | 425 |
| Retained earnings to average equity (ytd only) | 7.6209% | 1,981 |
| Net charge-offs to loans | 0.0799% | 851 |
| Credit loss provision to net charge-offs | 195.8763% | 1,139 |
| Earnings coverage of net charge-offs (x) | 37.6289% | 1,540 |
| Efficiency ratio | 62.1528% | 2,738 |
| Assets per employee ($millions) | 3.9922% | 4,285 |
| Cash dividends to net income (ytd only)* | 62.9165% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 885 |
| Loan loss allowance to noncurrent loans | 1,235.7143% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 2,928 |
| Noncurrent loans to loans | 0.1334% | 2,846 |
| Net loans and leases to total assets | 65.3100% | 2,109 |
| Net loans and leases to deposits | 71.6314% | 2,439 |
| Net loans and leases to core deposits | 83.0819% | 1,930 |
| Total domestic deposits to total assets | 91.1800% | 883 |
| Equity capital to assets | 8.3843% | 2,780 |
| Core capital (leverage) ratio | 10.3897% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $364,614,200 | 2,160 |
| Average earning assets | $337,255,600 | 2,166 |
| Average equity | $33,736,000 | 2,169 |
| Average total loans | $242,787,400 | 1,987 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 257 |
| Cost of funding earning assets | 0.1472% | 3,873 |
| Net interest margin | 4.7126% | 166 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 3.2343% | 653 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 2.0220% | 278 |
| Return on assets (ROA) | 2.0250% | 280 |
| Pretax return on assets | 2.0250% | 442 |
| Return on Equity (ROE) | 21.3600% | 329 |
| Retained earnings to average equity (ytd only) | 7.9405% | 2,022 |
| Net charge-offs to loans | 0.1014% | 608 |
| Credit loss provision to net charge-offs | 147.5410% | 1,136 |
| Earnings coverage of net charge-offs (x) | 31.3880% | 1,503 |
| Efficiency ratio | 60.3724% | 3,069 |
| Assets per employee ($millions) | 4.1948% | 4,223 |
| Cash dividends to net income (ytd only)* | 62.8238% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 949 |
| Loan loss allowance to noncurrent loans | 1,382.9352% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 3,112 |
| Noncurrent loans to loans | 0.1199% | 3,046 |
| Net loans and leases to total assets | 65.1300% | 1,972 |
| Net loans and leases to deposits | 71.4318% | 2,250 |
| Net loans and leases to core deposits | 81.1175% | 1,821 |
| Total domestic deposits to total assets | 91.1700% | 1,168 |
| Equity capital to assets | 8.1254% | 2,818 |
| Core capital (leverage) ratio | 10.3145% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $360,953,750 | 2,190 |
| Average earning assets | $334,241,250 | 2,195 |
| Average equity | $34,220,500 | 2,179 |
| Average total loans | $240,522,000 | 1,993 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 226 |
| Cost of funding earning assets | 0.0947% | 4,248 |
| Net interest margin | 4.6900% | 151 |
| Noninterest income to average assets | 1.0010% | 662 |
| Noninterest expense to average assets | 3.1985% | 634 |
| Loan and lease loss provision to assets | 0.1005% | 997 |
| Net operating income to assets | 2.0434% | 211 |
| Return on assets (ROA) | 2.0468% | 212 |
| Pretax return on assets | 2.0468% | 342 |
| Return on Equity (ROE) | 20.5785% | 272 |
| Retained earnings to average equity (ytd only) | 6.3992% | 2,207 |
| Net charge-offs to loans | 0.0284% | 1,156 |
| Credit loss provision to net charge-offs | 529.4118% | 613 |
| Earnings coverage of net charge-offs (x) | 112.9412% | 763 |
| Efficiency ratio | 59.8704% | 3,314 |
| Assets per employee ($millions) | 3.9656% | 4,383 |
| Cash dividends to net income (ytd only)* | 68.9034% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 937 |
| Loan loss allowance to noncurrent loans | 800.0000% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 2,718 |
| Noncurrent loans to loans | 0.2146% | 2,649 |
| Net loans and leases to total assets | 65.9601% | 1,700 |
| Net loans and leases to deposits | 73.0642% | 1,952 |
| Net loans and leases to core deposits | 81.8913% | 1,598 |
| Total domestic deposits to total assets | 90.2769% | 1,595 |
| Equity capital to assets | 9.1356% | 2,296 |
| Core capital (leverage) ratio | 9.8470% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,225,333 | 2,210 |
| Average earning assets | $331,600,333 | 2,220 |
| Average equity | $35,629,333 | 2,175 |
| Average total loans | $239,211,000 | 2,000 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 233 |
| Cost of funding earning assets | 0.0914% | 4,245 |
| Net interest margin | 4.5873% | 158 |
| Noninterest income to average assets | 1.0845% | 574 |
| Noninterest expense to average assets | 3.2278% | 580 |
| Loan and lease loss provision to assets | 0.1003% | 833 |
| Net operating income to assets | 2.0062% | 222 |
| Return on assets (ROA) | 2.0062% | 220 |
| Pretax return on assets | 2.0062% | 350 |
| Return on Equity (ROE) | 19.3853% | 251 |
| Retained earnings to average equity (ytd only) | 1.5185% | 3,684 |
| Net charge-offs to loans | 0.0151% | 1,239 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 418 |
| Efficiency ratio | 60.4889% | 3,437 |
| Assets per employee ($millions) | 4.0106% | 4,397 |
| Cash dividends to net income (ytd only)* | 92.1667% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 1,098 |
| Loan loss allowance to noncurrent loans | 889.4505% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 2,907 |
| Noncurrent loans to loans | 0.1883% | 2,875 |
| Net loans and leases to total assets | 66.5520% | 1,358 |
| Net loans and leases to deposits | 74.2103% | 1,590 |
| Net loans and leases to core deposits | 78.9788% | 1,554 |
| Total domestic deposits to total assets | 89.6803% | 1,726 |
| Equity capital to assets | 9.8389% | 2,013 |
| Core capital (leverage) ratio | 9.9630% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,887,000 | 2,212 |
| Average earning assets | $332,483,000 | 2,226 |
| Average equity | $37,141,500 | 2,168 |
| Average total loans | $239,054,000 | 1,998 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 120 |
| Cost of funding earning assets | 0.1604% | 3,864 |
| Net interest margin | 5.4492% | 89 |
| Noninterest income to average assets | 0.9927% | 1,017 |
| Noninterest expense to average assets | 3.4919% | 480 |
| Loan and lease loss provision to assets | 0.1244% | 984 |
| Net operating income to assets | 2.4350% | 172 |
| Return on assets (ROA) | 2.4400% | 175 |
| Pretax return on assets | 2.4407% | 278 |
| Return on Equity (ROE) | 21.9949% | 218 |
| Retained earnings to average equity (ytd only) | 3.6242% | 3,371 |
| Net charge-offs to loans | 0.1205% | 750 |
| Credit loss provision to net charge-offs | 153.6965% | 1,477 |
| Earnings coverage of net charge-offs (x) | 31.6381% | 1,572 |
| Efficiency ratio | 57.6995% | 3,490 |
| Assets per employee ($millions) | 4.2451% | 4,303 |
| Cash dividends to net income (ytd only)* | 83.5226% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7919% | 879 |
| Loan loss allowance to noncurrent loans | 890.3361% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 3,007 |
| Noncurrent loans to loans | 0.2013% | 2,943 |
| Net loans and leases to total assets | 64.3710% | 1,660 |
| Net loans and leases to deposits | 72.5499% | 1,861 |
| Net loans and leases to core deposits | 74.5712% | 2,031 |
| Total domestic deposits to total assets | 88.7264% | 1,653 |
| Equity capital to assets | 10.8723% | 1,880 |
| Core capital (leverage) ratio | 10.1757% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,617,600 | 2,350 |
| Average earning assets | $294,885,200 | 2,358 |
| Average equity | $35,235,400 | 2,277 |
| Average total loans | $213,235,600 | 2,147 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 187 |
| Cost of funding earning assets | 0.1642% | 3,980 |
| Net interest margin | 5.1825% | 125 |
| Noninterest income to average assets | 0.9786% | 1,110 |
| Noninterest expense to average assets | 3.1701% | 747 |
| Loan and lease loss provision to assets | 0.1173% | 1,017 |
| Net operating income to assets | 2.5057% | 214 |
| Return on assets (ROA) | 2.4783% | 223 |
| Pretax return on assets | 2.4783% | 348 |
| Return on Equity (ROE) | 22.2097% | 289 |
| Retained earnings to average equity (ytd only) | 7.3993% | 2,271 |
| Net charge-offs to loans | 0.0534% | 1,120 |
| Credit loss provision to net charge-offs | 325.3012% | 960 |
| Earnings coverage of net charge-offs (x) | 72.7229% | 1,043 |
| Efficiency ratio | 54.7221% | 3,700 |
| Assets per employee ($millions) | 4.2750% | 4,284 |
| Cash dividends to net income (ytd only)* | 66.6842% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 793 |
| Loan loss allowance to noncurrent loans | 459.9773% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 2,386 |
| Noncurrent loans to loans | 0.4097% | 2,333 |
| Net loans and leases to total assets | 66.7661% | 1,456 |
| Net loans and leases to deposits | 75.8984% | 1,682 |
| Net loans and leases to core deposits | 86.0465% | 1,292 |
| Total domestic deposits to total assets | 87.9677% | 1,868 |
| Equity capital to assets | 11.2812% | 1,831 |
| Core capital (leverage) ratio | 10.4936% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,813,250 | 2,431 |
| Average earning assets | $285,030,500 | 2,427 |
| Average equity | $34,236,500 | 2,354 |
| Average total loans | $207,416,750 | 2,219 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5709% | 155 |
| Cost of funding earning assets | 0.1909% | 3,842 |
| Net interest margin | 5.3800% | 115 |
| Noninterest income to average assets | 0.9841% | 1,102 |
| Noninterest expense to average assets | 3.1927% | 729 |
| Loan and lease loss provision to assets | 0.1186% | 1,066 |
| Net operating income to assets | 2.6677% | 178 |
| Return on assets (ROA) | 2.6618% | 189 |
| Pretax return on assets | 2.6618% | 275 |
| Return on Equity (ROE) | 23.9448% | 233 |
| Retained earnings to average equity (ytd only) | 6.0084% | 2,798 |
| Net charge-offs to loans | 0.0625% | 991 |
| Credit loss provision to net charge-offs | 281.2500% | 915 |
| Earnings coverage of net charge-offs (x) | 66.0938% | 927 |
| Efficiency ratio | 53.3987% | 3,877 |
| Assets per employee ($millions) | 4.0558% | 4,418 |
| Cash dividends to net income (ytd only)* | 74.9072% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 716 |
| Loan loss allowance to noncurrent loans | 507.6433% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 2,664 |
| Noncurrent loans to loans | 0.3770% | 2,546 |
| Net loans and leases to total assets | 65.4009% | 1,766 |
| Net loans and leases to deposits | 74.1365% | 1,984 |
| Net loans and leases to core deposits | 76.5704% | 2,188 |
| Total domestic deposits to total assets | 88.2169% | 1,711 |
| Equity capital to assets | 11.1206% | 1,899 |
| Core capital (leverage) ratio | 10.3563% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,634,667 | 2,440 |
| Average earning assets | $281,894,000 | 2,439 |
| Average equity | $33,752,667 | 2,366 |
| Average total loans | $204,798,667 | 2,246 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 338 |
| Cost of funding earning assets | 0.2483% | 3,491 |
| Net interest margin | 4.7836% | 243 |
| Noninterest income to average assets | 1.0063% | 1,119 |
| Noninterest expense to average assets | 3.1419% | 787 |
| Loan and lease loss provision to assets | 0.1203% | 1,143 |
| Net operating income to assets | 2.1730% | 441 |
| Return on assets (ROA) | 2.1463% | 491 |
| Pretax return on assets | 2.1463% | 749 |
| Return on Equity (ROE) | 19.3119% | 588 |
| Retained earnings to average equity (ytd only) | -8.0687% | 4,780 |
| Net charge-offs to loans | 0.0945% | 713 |
| Credit loss provision to net charge-offs | 187.5000% | 909 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,019 |
| Efficiency ratio | 57.8067% | 3,332 |
| Assets per employee ($millions) | 4.2794% | 4,286 |
| Cash dividends to net income (ytd only)* | 141.7808% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 744 |
| Loan loss allowance to noncurrent loans | 575.9941% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 2,731 |
| Noncurrent loans to loans | 0.3286% | 2,918 |
| Net loans and leases to total assets | 66.7144% | 1,700 |
| Net loans and leases to deposits | 75.2152% | 1,992 |
| Net loans and leases to core deposits | 85.6846% | 1,546 |
| Total domestic deposits to total assets | 88.6980% | 1,506 |
| Equity capital to assets | 10.7198% | 2,064 |
| Core capital (leverage) ratio | 10.2464% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,305,000 | 2,444 |
| Average earning assets | $277,112,500 | 2,452 |
| Average equity | $33,264,500 | 2,385 |
| Average total loans | $203,084,000 | 2,259 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 335 |
| Cost of funding earning assets | 0.7211% | 1,611 |
| Net interest margin | 4.4900% | 336 |
| Noninterest income to average assets | 0.9311% | 1,193 |
| Noninterest expense to average assets | 3.1000% | 1,231 |
| Loan and lease loss provision to assets | 0.1228% | 2,832 |
| Net operating income to assets | 1.8697% | 338 |
| Return on assets (ROA) | 1.8946% | 346 |
| Pretax return on assets | 1.8946% | 559 |
| Return on Equity (ROE) | 17.8209% | 346 |
| Retained earnings to average equity (ytd only) | 9.3389% | 708 |
| Net charge-offs to loans | 0.0222% | 2,610 |
| Credit loss provision to net charge-offs | 800.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 129.7778% | 649 |
| Efficiency ratio | 60.8736% | 3,337 |
| Assets per employee ($millions) | 4.0940% | 4,300 |
| Cash dividends to net income (ytd only)* | 47.5959% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 661 |
| Loan loss allowance to noncurrent loans | 712.5230% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 3,052 |
| Noncurrent loans to loans | 0.2721% | 3,218 |
| Net loans and leases to total assets | 66.3850% | 2,033 |
| Net loans and leases to deposits | 75.4531% | 2,336 |
| Net loans and leases to core deposits | 82.3804% | 2,167 |
| Total domestic deposits to total assets | 87.9818% | 1,480 |
| Equity capital to assets | 11.5202% | 1,869 |
| Core capital (leverage) ratio | 10.7778% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,092,400 | 2,330 |
| Average earning assets | $271,650,000 | 2,335 |
| Average equity | $31,160,000 | 2,423 |
| Average total loans | $203,133,600 | 2,210 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2298% | 390 |
| Cost of funding earning assets | 0.8321% | 1,348 |
| Net interest margin | 4.3977% | 474 |
| Noninterest income to average assets | 0.9016% | 1,217 |
| Noninterest expense to average assets | 3.1743% | 1,113 |
| Loan and lease loss provision to assets | 0.1230% | 2,794 |
| Net operating income to assets | 1.6851% | 592 |
| Return on assets (ROA) | 1.7165% | 618 |
| Pretax return on assets | 1.7165% | 936 |
| Return on Equity (ROE) | 16.4931% | 493 |
| Retained earnings to average equity (ytd only) | 7.7694% | 1,382 |
| Net charge-offs to loans | 0.0379% | 2,088 |
| Credit loss provision to net charge-offs | 465.5172% | 1,340 |
| Earnings coverage of net charge-offs (x) | 68.4310% | 1,015 |
| Efficiency ratio | 63.7103% | 2,786 |
| Assets per employee ($millions) | 3.9926% | 4,315 |
| Cash dividends to net income (ytd only)* | 52.8928% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8483% | 653 |
| Loan loss allowance to noncurrent loans | 645.0342% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 2,691 |
| Noncurrent loans to loans | 0.2865% | 3,255 |
| Net loans and leases to total assets | 68.6346% | 2,157 |
| Net loans and leases to deposits | 77.9141% | 2,539 |
| Net loans and leases to core deposits | 87.9770% | 2,148 |
| Total domestic deposits to total assets | 88.0900% | 1,179 |
| Equity capital to assets | 11.1068% | 2,318 |
| Core capital (leverage) ratio | 10.0601% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,673,000 | 2,311 |
| Average earning assets | $271,590,000 | 2,316 |
| Average equity | $30,460,500 | 2,449 |
| Average total loans | $204,029,000 | 2,203 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 568 |
| Cost of funding earning assets | 0.9563% | 1,125 |
| Net interest margin | 4.2477% | 830 |
| Noninterest income to average assets | 0.8639% | 1,254 |
| Noninterest expense to average assets | 3.1023% | 1,351 |
| Loan and lease loss provision to assets | 0.1228% | 2,805 |
| Net operating income to assets | 1.5825% | 789 |
| Return on assets (ROA) | 1.5812% | 862 |
| Pretax return on assets | 1.5812% | 1,269 |
| Return on Equity (ROE) | 15.5382% | 629 |
| Retained earnings to average equity (ytd only) | 6.5385% | 1,847 |
| Net charge-offs to loans | 0.0402% | 1,944 |
| Credit loss provision to net charge-offs | 439.0244% | 1,326 |
| Earnings coverage of net charge-offs (x) | 60.9512% | 955 |
| Efficiency ratio | 64.5280% | 2,744 |
| Assets per employee ($millions) | 4.2688% | 4,037 |
| Cash dividends to net income (ytd only)* | 57.9197% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 665 |
| Loan loss allowance to noncurrent loans | 752.3422% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 3,070 |
| Noncurrent loans to loans | 0.2381% | 3,524 |
| Net loans and leases to total assets | 64.9763% | 2,756 |
| Net loans and leases to deposits | 72.8158% | 3,178 |
| Net loans and leases to core deposits | 86.6919% | 2,380 |
| Total domestic deposits to total assets | 89.2338% | 664 |
| Equity capital to assets | 10.0891% | 3,117 |
| Core capital (leverage) ratio | 9.6921% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,077,000 | 2,292 |
| Average earning assets | $272,100,333 | 2,294 |
| Average equity | $29,823,333 | 2,479 |
| Average total loans | $204,102,000 | 2,187 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 565 |
| Cost of funding earning assets | 1.1046% | 1,032 |
| Net interest margin | 4.1807% | 963 |
| Noninterest income to average assets | 0.9246% | 1,014 |
| Noninterest expense to average assets | 3.3305% | 1,173 |
| Loan and lease loss provision to assets | 0.1268% | 2,123 |
| Net operating income to assets | 1.3347% | 1,145 |
| Return on assets (ROA) | 1.2854% | 1,374 |
| Pretax return on assets | 1.2854% | 1,914 |
| Return on Equity (ROE) | 12.5728% | 965 |
| Retained earnings to average equity (ytd only) | 3.0329% | 3,073 |
| Net charge-offs to loans | 0.0433% | 1,598 |
| Credit loss provision to net charge-offs | 409.0909% | 986 |
| Earnings coverage of net charge-offs (x) | 47.1364% | 940 |
| Efficiency ratio | 69.5000% | 2,425 |
| Assets per employee ($millions) | 4.0556% | 3,843 |
| Cash dividends to net income (ytd only)* | 75.8772% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 732 |
| Loan loss allowance to noncurrent loans | 662.1572% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 3,008 |
| Noncurrent loans to loans | 0.2693% | 3,531 |
| Net loans and leases to total assets | 69.2792% | 2,357 |
| Net loans and leases to deposits | 77.4709% | 2,937 |
| Net loans and leases to core deposits | 93.9076% | 1,989 |
| Total domestic deposits to total assets | 89.4261% | 497 |
| Equity capital to assets | 9.9234% | 3,862 |
| Core capital (leverage) ratio | 10.1617% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9919% | 1,905 |
| Memoranda: | ||
| Average total assets | $283,804,000 | 2,298 |
| Average earning assets | $262,540,000 | 2,306 |
| Average equity | $29,015,000 | 2,512 |
| Average total loans | $203,065,500 | 2,160 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 869 |
| Cost of funding earning assets | 1.1240% | 1,242 |
| Net interest margin | 4.1484% | 1,430 |
| Noninterest income to average assets | 0.8768% | 1,229 |
| Noninterest expense to average assets | 3.4038% | 1,111 |
| Loan and lease loss provision to assets | 0.1303% | 1,643 |
| Net operating income to assets | 1.1649% | 2,196 |
| Return on assets (ROA) | 1.2054% | 2,127 |
| Pretax return on assets | 1.2054% | 2,827 |
| Return on Equity (ROE) | 9.8839% | 2,349 |
| Retained earnings to average equity (ytd only) | -15.5797% | 5,117 |
| Net charge-offs to loans | 0.2092% | 985 |
| Credit loss provision to net charge-offs | 86.9565% | 2,694 |
| Earnings coverage of net charge-offs (x) | 8.6425% | 2,750 |
| Efficiency ratio | 72.4366% | 1,805 |
| Assets per employee ($millions) | 3.8310% | 4,120 |
| Cash dividends to net income (ytd only)* | 257.6276% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 716 |
| Loan loss allowance to noncurrent loans | 987.5000% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 3,221 |
| Noncurrent loans to loans | 0.1773% | 3,822 |
| Net loans and leases to total assets | 71.3244% | 2,201 |
| Net loans and leases to deposits | 80.2146% | 2,756 |
| Net loans and leases to core deposits | 96.5746% | 1,851 |
| Total domestic deposits to total assets | 88.9170% | 703 |
| Equity capital to assets | 10.5327% | 3,416 |
| Core capital (leverage) ratio | 10.2252% | 3,269 |
| Tier 1 risk-based capital ratio | 13.7069% | 3,413 |
| Total risk-based capital ratio | 14.9628% | 3,312 |
| Memoranda: | ||
| Average total assets | $276,246,200 | 2,298 |
| Average earning assets | $254,529,200 | 2,307 |
| Average equity | $33,691,200 | 2,201 |
| Average total loans | $197,914,000 | 2,182 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 952 |
| Cost of funding earning assets | 1.1155% | 1,287 |
| Net interest margin | 4.1293% | 1,551 |
| Noninterest income to average assets | 0.9363% | 1,072 |
| Noninterest expense to average assets | 3.4055% | 1,081 |
| Loan and lease loss provision to assets | 0.1307% | 1,482 |
| Net operating income to assets | 1.2031% | 2,182 |
| Return on assets (ROA) | 1.2559% | 2,079 |
| Pretax return on assets | 1.2559% | 2,795 |
| Return on Equity (ROE) | 9.9527% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.7730% | 3,008 |
| Net charge-offs to loans | 0.2238% | 793 |
| Credit loss provision to net charge-offs | 81.8182% | 2,479 |
| Earnings coverage of net charge-offs (x) | 8.3485% | 2,663 |
| Efficiency ratio | 71.8562% | 1,863 |
| Assets per employee ($millions) | 3.7784% | 4,187 |
| Cash dividends to net income (ytd only)* | 52.0433% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 717 |
| Loan loss allowance to noncurrent loans | 1,339.2453% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 3,450 |
| Noncurrent loans to loans | 0.1327% | 4,057 |
| Net loans and leases to total assets | 71.1311% | 2,300 |
| Net loans and leases to deposits | 82.6723% | 2,597 |
| Net loans and leases to core deposits | 100.8901% | 1,587 |
| Total domestic deposits to total assets | 86.0397% | 1,986 |
| Equity capital to assets | 13.0887% | 1,574 |
| Core capital (leverage) ratio | 12.8271% | 1,421 |
| Tier 1 risk-based capital ratio | 17.0410% | 2,072 |
| Total risk-based capital ratio | 18.2969% | 2,025 |
| Memoranda: | ||
| Average total assets | $275,392,000 | 2,318 |
| Average earning assets | $253,626,750 | 2,331 |
| Average equity | $34,750,000 | 2,163 |
| Average total loans | $196,636,750 | 2,209 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1583% | 1,081 |
| Cost of funding earning assets | 1.0816% | 1,373 |
| Net interest margin | 4.0767% | 1,681 |
| Noninterest income to average assets | 0.8785% | 1,128 |
| Noninterest expense to average assets | 3.3512% | 1,191 |
| Loan and lease loss provision to assets | 0.1308% | 1,433 |
| Net operating income to assets | 1.1597% | 2,292 |
| Return on assets (ROA) | 1.1786% | 2,302 |
| Pretax return on assets | 1.1786% | 2,982 |
| Return on Equity (ROE) | 9.4579% | 2,655 |
| Retained earnings to average equity (ytd only) | 3.9184% | 3,290 |
| Net charge-offs to loans | 0.2025% | 816 |
| Credit loss provision to net charge-offs | 90.9091% | 2,122 |
| Earnings coverage of net charge-offs (x) | 8.9697% | 2,371 |
| Efficiency ratio | 72.1979% | 1,889 |
| Assets per employee ($millions) | 3.8757% | 4,028 |
| Cash dividends to net income (ytd only)* | 58.5697% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 680 |
| Loan loss allowance to noncurrent loans | 258.4593% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 2,338 |
| Noncurrent loans to loans | 0.6970% | 2,233 |
| Net loans and leases to total assets | 70.1296% | 2,513 |
| Net loans and leases to deposits | 81.0003% | 2,845 |
| Net loans and leases to core deposits | 100.1013% | 1,714 |
| Total domestic deposits to total assets | 86.5794% | 1,781 |
| Equity capital to assets | 12.6566% | 1,772 |
| Core capital (leverage) ratio | 12.4316% | 1,571 |
| Tier 1 risk-based capital ratio | 16.6175% | 2,199 |
| Total risk-based capital ratio | 17.8737% | 2,146 |
| Memoranda: | ||
| Average total assets | $275,247,330 | 2,328 |
| Average earning assets | $254,078,330 | 2,332 |
| Average equity | $34,299,330 | 2,177 |
| Average total loans | $195,600,000 | 2,226 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 1,077 |
| Cost of funding earning assets | 1.0264% | 1,461 |
| Net interest margin | 4.0864% | 1,587 |
| Noninterest income to average assets | 0.8561% | 1,157 |
| Noninterest expense to average assets | 3.2062% | 1,480 |
| Loan and lease loss provision to assets | 0.1317% | 1,323 |
| Net operating income to assets | 1.2877% | 1,747 |
| Return on assets (ROA) | 1.3126% | 1,696 |
| Pretax return on assets | 1.3126% | 2,404 |
| Return on Equity (ROE) | 10.6185% | 2,112 |
| Retained earnings to average equity (ytd only) | 4.1077% | 3,273 |
| Net charge-offs to loans | 0.2684% | 549 |
| Credit loss provision to net charge-offs | 69.2308% | 1,857 |
| Earnings coverage of net charge-offs (x) | 7.4615% | 2,136 |
| Efficiency ratio | 69.3135% | 2,455 |
| Assets per employee ($millions) | 3.9565% | 3,988 |
| Cash dividends to net income (ytd only)* | 61.3155% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 649 |
| Loan loss allowance to noncurrent loans | 369.7409% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 3,086 |
| Noncurrent loans to loans | 0.4986% | 2,817 |
| Net loans and leases to total assets | 68.5904% | 2,678 |
| Net loans and leases to deposits | 78.8309% | 2,966 |
| Net loans and leases to core deposits | 98.3444% | 1,750 |
| Total domestic deposits to total assets | 87.0095% | 1,810 |
| Equity capital to assets | 12.3481% | 1,821 |
| Core capital (leverage) ratio | 12.4623% | 1,536 |
| Tier 1 risk-based capital ratio | 16.7014% | 2,200 |
| Total risk-based capital ratio | 17.9579% | 2,152 |
| Memoranda: | ||
| Average total assets | $273,346,500 | 2,356 |
| Average earning assets | $252,153,500 | 2,363 |
| Average equity | $33,790,000 | 2,199 |
| Average total loans | $193,757,000 | 2,259 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 701 |
| Cost of funding earning assets | 0.7207% | 1,952 |
| Net interest margin | 4.4800% | 792 |
| Noninterest income to average assets | 0.9693% | 1,012 |
| Noninterest expense to average assets | 3.3631% | 1,204 |
| Loan and lease loss provision to assets | 0.1335% | 1,633 |
| Net operating income to assets | 1.6176% | 833 |
| Return on assets (ROA) | 1.6509% | 768 |
| Pretax return on assets | 1.6509% | 1,313 |
| Return on Equity (ROE) | 13.3884% | 1,205 |
| Retained earnings to average equity (ytd only) | 4.2764% | 3,196 |
| Net charge-offs to loans | 0.1508% | 1,273 |
| Credit loss provision to net charge-offs | 124.1379% | 2,109 |
| Earnings coverage of net charge-offs (x) | 16.2828% | 2,256 |
| Efficiency ratio | 65.7603% | 2,900 |
| Assets per employee ($millions) | 3.8534% | 4,097 |
| Cash dividends to net income (ytd only)* | 68.0593% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 611 |
| Loan loss allowance to noncurrent loans | 325.9259% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 2,913 |
| Noncurrent loans to loans | 0.5707% | 2,565 |
| Net loans and leases to total assets | 70.5772% | 2,490 |
| Net loans and leases to deposits | 81.0646% | 2,844 |
| Net loans and leases to core deposits | 117.0980% | 646 |
| Total domestic deposits to total assets | 87.0629% | 1,761 |
| Equity capital to assets | 12.3754% | 1,651 |
| Core capital (leverage) ratio | 12.7713% | 1,329 |
| Tier 1 risk-based capital ratio | 16.3538% | 2,284 |
| Total risk-based capital ratio | 17.6100% | 2,225 |
| Memoranda: | ||
| Average total assets | $269,665,800 | 2,337 |
| Average earning assets | $249,486,600 | 2,340 |
| Average equity | $33,252,600 | 2,140 |
| Average total loans | $192,272,600 | 2,229 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 590 |
| Cost of funding earning assets | 0.6403% | 2,201 |
| Net interest margin | 4.5891% | 613 |
| Noninterest income to average assets | 0.9360% | 1,089 |
| Noninterest expense to average assets | 3.3331% | 1,231 |
| Loan and lease loss provision to assets | 0.1335% | 1,508 |
| Net operating income to assets | 1.7148% | 718 |
| Return on assets (ROA) | 1.7484% | 672 |
| Pretax return on assets | 1.7484% | 1,149 |
| Return on Equity (ROE) | 14.1917% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.9708% | 1,673 |
| Net charge-offs to loans | 0.0806% | 1,716 |
| Credit loss provision to net charge-offs | 232.7586% | 1,240 |
| Earnings coverage of net charge-offs (x) | 32.2248% | 1,548 |
| Efficiency ratio | 64.3287% | 3,125 |
| Assets per employee ($millions) | 3.6039% | 4,433 |
| Cash dividends to net income (ytd only)* | 43.8349% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 612 |
| Loan loss allowance to noncurrent loans | 720.8984% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,970 |
| Noncurrent loans to loans | 0.2616% | 3,747 |
| Net loans and leases to total assets | 72.9975% | 2,169 |
| Net loans and leases to deposits | 84.4656% | 2,541 |
| Net loans and leases to core deposits | 123.3134% | 482 |
| Total domestic deposits to total assets | 86.4227% | 2,003 |
| Equity capital to assets | 12.7102% | 1,462 |
| Core capital (leverage) ratio | 12.9682% | 1,295 |
| Tier 1 risk-based capital ratio | 17.0735% | 2,079 |
| Total risk-based capital ratio | 18.3309% | 2,016 |
| Memoranda: | ||
| Average total assets | $269,648,250 | 2,344 |
| Average earning assets | $249,452,500 | 2,356 |
| Average equity | $33,220,500 | 2,150 |
| Average total loans | $191,845,750 | 2,242 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 532 |
| Cost of funding earning assets | 0.5515% | 2,597 |
| Net interest margin | 4.6730% | 470 |
| Noninterest income to average assets | 0.9028% | 1,174 |
| Noninterest expense to average assets | 3.2704% | 1,387 |
| Loan and lease loss provision to assets | 0.1324% | 1,493 |
| Net operating income to assets | 1.8202% | 555 |
| Return on assets (ROA) | 1.8151% | 565 |
| Pretax return on assets | 1.8151% | 927 |
| Return on Equity (ROE) | 14.8849% | 875 |
| Retained earnings to average equity (ytd only) | 9.1530% | 1,165 |
| Net charge-offs to loans | 0.0042% | 3,027 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 663.5000% | 127 |
| Efficiency ratio | 62.6145% | 3,545 |
| Assets per employee ($millions) | 3.7618% | 4,260 |
| Cash dividends to net income (ytd only)* | 38.5083% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 612 |
| Loan loss allowance to noncurrent loans | 437.9717% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 3,451 |
| Noncurrent loans to loans | 0.4384% | 3,123 |
| Net loans and leases to total assets | 70.0480% | 2,572 |
| Net loans and leases to deposits | 80.6054% | 2,888 |
| Net loans and leases to core deposits | 107.3008% | 1,164 |
| Total domestic deposits to total assets | 86.9023% | 1,879 |
| Equity capital to assets | 12.3633% | 1,622 |
| Core capital (leverage) ratio | 12.4944% | 1,440 |
| Tier 1 risk-based capital ratio | 16.7194% | 2,190 |
| Total risk-based capital ratio | 17.9767% | 2,131 |
| Memoranda: | ||
| Average total assets | $271,835,330 | 2,337 |
| Average earning assets | $251,314,330 | 2,346 |
| Average equity | $33,147,670 | 2,162 |
| Average total loans | $190,548,330 | 2,257 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5620% | 252 |
| Cost of funding earning assets | 0.5211% | 2,622 |
| Net interest margin | 5.0409% | 217 |
| Noninterest income to average assets | 0.7594% | 1,592 |
| Noninterest expense to average assets | 3.1212% | 1,767 |
| Loan and lease loss provision to assets | 0.1322% | 1,433 |
| Net operating income to assets | 2.1665% | 261 |
| Return on assets (ROA) | 2.1606% | 264 |
| Pretax return on assets | 2.1606% | 406 |
| Return on Equity (ROE) | 17.8419% | 428 |
| Retained earnings to average equity (ytd only) | 11.1709% | 852 |
| Net charge-offs to loans | -0.1227% | 5,275 |
| Credit loss provision to net charge-offs | -155.1724% | 3,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5881% | 4,403 |
| Assets per employee ($millions) | 3.7028% | 4,416 |
| Cash dividends to net income (ytd only)* | 37.3895% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 612 |
| Loan loss allowance to noncurrent loans | 684.9442% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 3,980 |
| Noncurrent loans to loans | 0.2833% | 3,755 |
| Net loans and leases to total assets | 69.8407% | 2,514 |
| Net loans and leases to deposits | 80.3222% | 2,774 |
| Net loans and leases to core deposits | 105.8071% | 1,250 |
| Total domestic deposits to total assets | 86.9508% | 2,144 |
| Equity capital to assets | 12.4003% | 1,549 |
| Core capital (leverage) ratio | 12.2825% | 1,485 |
| Tier 1 risk-based capital ratio | 16.7856% | 2,185 |
| Total risk-based capital ratio | 18.0432% | 2,130 |
| Memoranda: | ||
| Average total assets | $272,328,000 | 2,353 |
| Average earning assets | $251,779,500 | 2,361 |
| Average equity | $32,978,500 | 2,186 |
| Average total loans | $189,103,000 | 2,286 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 551 |
| Cost of funding earning assets | 0.5117% | 2,237 |
| Net interest margin | 4.5728% | 528 |
| Noninterest income to average assets | 0.7674% | 1,704 |
| Noninterest expense to average assets | 3.2503% | 1,503 |
| Loan and lease loss provision to assets | 0.1368% | 1,674 |
| Net operating income to assets | 1.5951% | 659 |
| Return on assets (ROA) | 1.6674% | 580 |
| Pretax return on assets | 1.6674% | 1,103 |
| Return on Equity (ROE) | 13.5685% | 836 |
| Retained earnings to average equity (ytd only) | 4.9765% | 2,140 |
| Net charge-offs to loans | 0.1831% | 1,374 |
| Credit loss provision to net charge-offs | 107.4627% | 2,413 |
| Earnings coverage of net charge-offs (x) | 13.6030% | 2,379 |
| Efficiency ratio | 65.2376% | 3,397 |
| Assets per employee ($millions) | 3.9723% | 4,008 |
| Cash dividends to net income (ytd only)* | 63.3235% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8781% | 676 |
| Loan loss allowance to noncurrent loans | 355.1205% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 3,353 |
| Noncurrent loans to loans | 0.5289% | 2,923 |
| Net loans and leases to total assets | 66.4574% | 3,038 |
| Net loans and leases to deposits | 75.8222% | 3,344 |
| Net loans and leases to core deposits | 100.0753% | 1,708 |
| Total domestic deposits to total assets | 87.6490% | 1,676 |
| Equity capital to assets | 11.8313% | 1,960 |
| Core capital (leverage) ratio | 12.2785% | 1,461 |
| Tier 1 risk-based capital ratio | 16.2420% | 2,348 |
| Total risk-based capital ratio | 17.4987% | 2,282 |
| Memoranda: | ||
| Average total assets | $263,111,000 | 2,382 |
| Average earning assets | $242,521,000 | 2,407 |
| Average equity | $32,332,200 | 2,202 |
| Average total loans | $182,968,600 | 2,293 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 477 |
| Cost of funding earning assets | 0.5087% | 2,196 |
| Net interest margin | 4.6197% | 471 |
| Noninterest income to average assets | 0.7829% | 1,649 |
| Noninterest expense to average assets | 3.2683% | 1,413 |
| Loan and lease loss provision to assets | 0.1388% | 1,539 |
| Net operating income to assets | 1.6336% | 659 |
| Return on assets (ROA) | 1.7082% | 583 |
| Pretax return on assets | 1.7082% | 1,101 |
| Return on Equity (ROE) | 13.7635% | 884 |
| Retained earnings to average equity (ytd only) | 6.7347% | 1,829 |
| Net charge-offs to loans | 0.2467% | 876 |
| Credit loss provision to net charge-offs | 80.3571% | 2,576 |
| Earnings coverage of net charge-offs (x) | 10.2619% | 2,614 |
| Efficiency ratio | 64.8379% | 3,395 |
| Assets per employee ($millions) | 3.5876% | 4,597 |
| Cash dividends to net income (ytd only)* | 51.0683% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 729 |
| Loan loss allowance to noncurrent loans | 585.0594% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 3,774 |
| Noncurrent loans to loans | 0.3210% | 3,799 |
| Net loans and leases to total assets | 68.7462% | 2,733 |
| Net loans and leases to deposits | 79.4697% | 3,018 |
| Net loans and leases to core deposits | 109.1863% | 1,080 |
| Total domestic deposits to total assets | 86.5062% | 2,103 |
| Equity capital to assets | 12.6759% | 1,563 |
| Core capital (leverage) ratio | 12.3242% | 1,496 |
| Tier 1 risk-based capital ratio | 12.2677% | 4,458 |
| Total risk-based capital ratio | 13.5184% | 4,353 |
| Memoranda: | ||
| Average total assets | $259,374,250 | 2,433 |
| Average earning assets | $239,055,500 | 2,448 |
| Average equity | $32,190,750 | 2,226 |
| Average total loans | $181,629,000 | 2,316 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 448 |
| Cost of funding earning assets | 0.5000% | 2,163 |
| Net interest margin | 4.6236% | 460 |
| Noninterest income to average assets | 0.7790% | 1,651 |
| Noninterest expense to average assets | 3.3195% | 1,337 |
| Loan and lease loss provision to assets | 0.1392% | 1,480 |
| Net operating income to assets | 1.5766% | 744 |
| Return on assets (ROA) | 1.6547% | 642 |
| Pretax return on assets | 1.6547% | 1,181 |
| Return on Equity (ROE) | 13.4296% | 943 |
| Retained earnings to average equity (ytd only) | 5.2865% | 2,527 |
| Net charge-offs to loans | 0.2630% | 780 |
| Credit loss provision to net charge-offs | 75.6303% | 2,310 |
| Earnings coverage of net charge-offs (x) | 9.3193% | 2,447 |
| Efficiency ratio | 65.9241% | 3,366 |
| Assets per employee ($millions) | 3.6521% | 4,508 |
| Cash dividends to net income (ytd only)* | 60.6358% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 699 |
| Loan loss allowance to noncurrent loans | 449.1547% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,633 |
| Noncurrent loans to loans | 0.4268% | 3,486 |
| Net loans and leases to total assets | 67.2165% | 2,916 |
| Net loans and leases to deposits | 77.3799% | 3,173 |
| Net loans and leases to core deposits | 111.1129% | 948 |
| Total domestic deposits to total assets | 86.8655% | 2,006 |
| Equity capital to assets | 12.4260% | 1,657 |
| Core capital (leverage) ratio | 12.1380% | 1,564 |
| Tier 1 risk-based capital ratio | 16.1663% | 2,439 |
| Total risk-based capital ratio | 17.4229% | 2,383 |
| Memoranda: | ||
| Average total assets | $258,533,000 | 2,449 |
| Average earning assets | $237,994,670 | 2,468 |
| Average equity | $31,855,000 | 2,236 |
| Average total loans | $181,008,330 | 2,330 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1282% | 426 |
| Cost of funding earning assets | 0.4941% | 2,137 |
| Net interest margin | 4.6341% | 422 |
| Noninterest income to average assets | 0.7912% | 1,588 |
| Noninterest expense to average assets | 3.2740% | 1,434 |
| Loan and lease loss provision to assets | 0.1404% | 1,346 |
| Net operating income to assets | 1.6354% | 634 |
| Return on assets (ROA) | 1.7275% | 527 |
| Pretax return on assets | 1.7275% | 943 |
| Return on Equity (ROE) | 14.0815% | 795 |
| Retained earnings to average equity (ytd only) | 8.8916% | 1,118 |
| Net charge-offs to loans | 0.3263% | 563 |
| Credit loss provision to net charge-offs | 60.8108% | 1,900 |
| Earnings coverage of net charge-offs (x) | 7.6892% | 2,115 |
| Efficiency ratio | 64.8331% | 3,690 |
| Assets per employee ($millions) | 3.7564% | 4,405 |
| Cash dividends to net income (ytd only)* | 36.8564% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9112% | 774 |
| Loan loss allowance to noncurrent loans | 664.4231% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 3,711 |
| Noncurrent loans to loans | 0.2877% | 4,086 |
| Net loans and leases to total assets | 69.4186% | 2,475 |
| Net loans and leases to deposits | 79.9007% | 2,768 |
| Net loans and leases to core deposits | 114.4955% | 653 |
| Total domestic deposits to total assets | 86.8811% | 2,274 |
| Equity capital to assets | 12.4643% | 1,569 |
| Core capital (leverage) ratio | 12.2340% | 1,480 |
| Tier 1 risk-based capital ratio | 15.9922% | 2,550 |
| Total risk-based capital ratio | 17.2486% | 2,504 |
| Memoranda: | ||
| Average total assets | $256,325,000 | 2,492 |
| Average earning assets | $235,559,000 | 2,509 |
| Average equity | $31,445,500 | 2,264 |
| Average total loans | $181,413,000 | 2,351 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 401 |
| Cost of funding earning assets | 0.4628% | 2,419 |
| Net interest margin | 4.7611% | 375 |
| Noninterest income to average assets | 0.8273% | 1,655 |
| Noninterest expense to average assets | 3.3388% | 1,488 |
| Loan and lease loss provision to assets | 0.1484% | 1,679 |
| Net operating income to assets | 1.7457% | 492 |
| Return on assets (ROA) | 1.7704% | 490 |
| Pretax return on assets | 1.7704% | 857 |
| Return on Equity (ROE) | 13.4452% | 894 |
| Retained earnings to average equity (ytd only) | 1.9565% | 4,424 |
| Net charge-offs to loans | 0.3387% | 810 |
| Credit loss provision to net charge-offs | 59.6026% | 3,255 |
| Earnings coverage of net charge-offs (x) | 7.6076% | 2,995 |
| Efficiency ratio | 63.8046% | 3,971 |
| Assets per employee ($millions) | 3.6745% | 4,514 |
| Cash dividends to net income (ytd only)* | 85.4482% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9297% | 763 |
| Loan loss allowance to noncurrent loans | 509.1304% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 3,378 |
| Noncurrent loans to loans | 0.3790% | 3,772 |
| Net loans and leases to total assets | 69.4122% | 2,562 |
| Net loans and leases to deposits | 79.4648% | 2,947 |
| Net loans and leases to core deposits | 120.8982% | 458 |
| Total domestic deposits to total assets | 87.3496% | 1,956 |
| Equity capital to assets | 12.0727% | 1,755 |
| Core capital (leverage) ratio | 12.0535% | 1,564 |
| Tier 1 risk-based capital ratio | 15.5446% | 2,733 |
| Total risk-based capital ratio | 16.8014% | 2,659 |
| Memoranda: | ||
| Average total assets | $242,601,000 | 2,560 |
| Average earning assets | $224,487,800 | 2,551 |
| Average equity | $31,944,600 | 2,226 |
| Average total loans | $178,317,600 | 2,330 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1825% | 438 |
| Cost of funding earning assets | 0.4536% | 2,525 |
| Net interest margin | 4.7289% | 414 |
| Noninterest income to average assets | 0.8499% | 1,577 |
| Noninterest expense to average assets | 3.3863% | 1,368 |
| Loan and lease loss provision to assets | 0.1505% | 1,551 |
| Net operating income to assets | 1.6942% | 599 |
| Return on assets (ROA) | 1.7182% | 606 |
| Pretax return on assets | 1.7182% | 1,067 |
| Return on Equity (ROE) | 12.6677% | 1,133 |
| Retained earnings to average equity (ytd only) | 9.1751% | 766 |
| Net charge-offs to loans | 0.2231% | 1,050 |
| Credit loss provision to net charge-offs | 90.9091% | 2,516 |
| Earnings coverage of net charge-offs (x) | 11.1448% | 2,523 |
| Efficiency ratio | 64.7347% | 3,802 |
| Assets per employee ($millions) | 3.6138% | 4,625 |
| Cash dividends to net income (ytd only)* | 27.5707% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0571% | 658 |
| Loan loss allowance to noncurrent loans | 172.7315% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 2,343 |
| Noncurrent loans to loans | 1.1909% | 1,886 |
| Net loans and leases to total assets | 70.2225% | 2,459 |
| Net loans and leases to deposits | 81.6399% | 2,775 |
| Net loans and leases to core deposits | 125.8926% | 369 |
| Total domestic deposits to total assets | 86.0150% | 2,340 |
| Equity capital to assets | 13.2067% | 1,388 |
| Core capital (leverage) ratio | 13.3062% | 1,068 |
| Tier 1 risk-based capital ratio | 14.4939% | 3,289 |
| Total risk-based capital ratio | 15.7494% | 3,219 |
| Memoranda: | ||
| Average total assets | $239,235,250 | 2,594 |
| Average earning assets | $221,639,750 | 2,590 |
| Average equity | $32,449,250 | 2,216 |
| Average total loans | $177,499,250 | 2,337 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 398 |
| Cost of funding earning assets | 0.4431% | 2,632 |
| Net interest margin | 4.7997% | 368 |
| Noninterest income to average assets | 0.8455% | 1,568 |
| Noninterest expense to average assets | 3.4842% | 1,190 |
| Loan and lease loss provision to assets | 0.1534% | 1,489 |
| Net operating income to assets | 1.6671% | 620 |
| Return on assets (ROA) | 1.6995% | 613 |
| Pretax return on assets | 1.6995% | 1,091 |
| Return on Equity (ROE) | 12.4122% | 1,180 |
| Retained earnings to average equity (ytd only) | 7.4324% | 1,418 |
| Net charge-offs to loans | 0.2985% | 801 |
| Credit loss provision to net charge-offs | 68.4411% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.1217% | 2,547 |
| Efficiency ratio | 65.6812% | 3,731 |
| Assets per employee ($millions) | 3.1669% | 5,251 |
| Cash dividends to net income (ytd only)* | 40.1204% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0417% | 684 |
| Loan loss allowance to noncurrent loans | 246.5772% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 3,059 |
| Noncurrent loans to loans | 0.8280% | 2,674 |
| Net loans and leases to total assets | 73.2385% | 1,972 |
| Net loans and leases to deposits | 86.2921% | 2,218 |
| Net loans and leases to core deposits | 132.6226% | 267 |
| Total domestic deposits to total assets | 84.8728% | 2,931 |
| Equity capital to assets | 13.8077% | 1,091 |
| Core capital (leverage) ratio | 12.9903% | 1,150 |
| Tier 1 risk-based capital ratio | 15.6420% | 2,804 |
| Total risk-based capital ratio | 16.8991% | 2,739 |
| Memoranda: | ||
| Average total assets | $234,659,330 | 2,642 |
| Average earning assets | $218,014,000 | 2,635 |
| Average equity | $32,129,670 | 2,240 |
| Average total loans | $176,209,670 | 2,352 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2409% | 392 |
| Cost of funding earning assets | 0.4261% | 2,804 |
| Net interest margin | 4.8148% | 352 |
| Noninterest income to average assets | 0.8340% | 1,500 |
| Noninterest expense to average assets | 3.2584% | 1,699 |
| Loan and lease loss provision to assets | 0.1554% | 1,348 |
| Net operating income to assets | 1.9081% | 389 |
| Return on assets (ROA) | 1.9167% | 412 |
| Pretax return on assets | 1.9167% | 665 |
| Return on Equity (ROE) | 14.0604% | 824 |
| Retained earnings to average equity (ytd only) | 8.9936% | 1,118 |
| Net charge-offs to loans | 0.1239% | 1,363 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 22.1296% | 1,416 |
| Efficiency ratio | 61.2265% | 4,564 |
| Assets per employee ($millions) | 3.4745% | 4,854 |
| Cash dividends to net income (ytd only)* | 36.0360% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 634 |
| Loan loss allowance to noncurrent loans | 251.6921% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 3,057 |
| Noncurrent loans to loans | 0.8512% | 2,718 |
| Net loans and leases to total assets | 73.3335% | 1,826 |
| Net loans and leases to deposits | 85.5094% | 2,119 |
| Net loans and leases to core deposits | 129.6391% | 277 |
| Total domestic deposits to total assets | 85.7608% | 2,781 |
| Equity capital to assets | 13.5362% | 1,167 |
| Core capital (leverage) ratio | 13.2274% | 1,071 |
| Tier 1 risk-based capital ratio | 16.4674% | 2,487 |
| Total risk-based capital ratio | 17.7269% | 2,439 |
| Memoranda: | ||
| Average total assets | $231,646,500 | 2,677 |
| Average earning assets | $215,916,000 | 2,668 |
| Average equity | $31,578,000 | 2,269 |
| Average total loans | $174,340,500 | 2,365 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1818% | 443 |
| Cost of funding earning assets | 0.3472% | 3,729 |
| Net interest margin | 4.8346% | 344 |
| Noninterest income to average assets | 0.8670% | 1,538 |
| Noninterest expense to average assets | 3.3551% | 1,593 |
| Loan and lease loss provision to assets | 0.1590% | 1,458 |
| Net operating income to assets | 1.8613% | 437 |
| Return on assets (ROA) | 1.9408% | 393 |
| Pretax return on assets | 1.9408% | 611 |
| Return on Equity (ROE) | 14.4470% | 776 |
| Retained earnings to average equity (ytd only) | 6.3259% | 1,645 |
| Net charge-offs to loans | 0.1069% | 2,320 |
| Credit loss provision to net charge-offs | 202.2472% | 1,377 |
| Earnings coverage of net charge-offs (x) | 25.6966% | 1,623 |
| Efficiency ratio | 61.7009% | 4,654 |
| Assets per employee ($millions) | 3.4398% | 4,922 |
| Cash dividends to net income (ytd only)* | 56.2130% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1890% | 603 |
| Loan loss allowance to noncurrent loans | 425.9637% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 3,995 |
| Noncurrent loans to loans | 0.5139% | 3,638 |
| Net loans and leases to total assets | 73.9422% | 1,742 |
| Net loans and leases to deposits | 89.3126% | 1,709 |
| Net loans and leases to core deposits | 135.5493% | 210 |
| Total domestic deposits to total assets | 82.7904% | 3,910 |
| Equity capital to assets | 13.7317% | 1,029 |
| Core capital (leverage) ratio | 13.1096% | 1,105 |
| Tier 1 risk-based capital ratio | 16.7599% | 2,375 |
| Total risk-based capital ratio | 18.0202% | 2,323 |
| Memoranda: | ||
| Average total assets | $226,404,600 | 2,695 |
| Average earning assets | $211,123,000 | 2,666 |
| Average equity | $30,414,600 | 2,290 |
| Average total loans | $166,467,600 | 2,387 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 480 |
| Cost of funding earning assets | 0.3281% | 4,013 |
| Net interest margin | 4.8106% | 367 |
| Noninterest income to average assets | 0.8598% | 1,583 |
| Noninterest expense to average assets | 3.2624% | 1,796 |
| Loan and lease loss provision to assets | 0.1591% | 1,348 |
| Net operating income to assets | 1.9223% | 409 |
| Return on assets (ROA) | 2.0266% | 367 |
| Pretax return on assets | 2.0266% | 569 |
| Return on Equity (ROE) | 15.1705% | 707 |
| Retained earnings to average equity (ytd only) | 9.8770% | 653 |
| Net charge-offs to loans | 0.0726% | 2,524 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 39.2435% | 1,262 |
| Efficiency ratio | 60.3330% | 4,842 |
| Assets per employee ($millions) | 3.4684% | 4,852 |
| Cash dividends to net income (ytd only)* | 34.8939% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1816% | 689 |
| Loan loss allowance to noncurrent loans | 400.6403% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 4,088 |
| Noncurrent loans to loans | 0.5445% | 3,711 |
| Net loans and leases to total assets | 73.5305% | 1,815 |
| Net loans and leases to deposits | 87.6230% | 1,956 |
| Net loans and leases to core deposits | 126.2274% | 333 |
| Total domestic deposits to total assets | 83.9168% | 3,463 |
| Equity capital to assets | 13.6522% | 1,156 |
| Core capital (leverage) ratio | 13.2311% | 1,117 |
| Tier 1 risk-based capital ratio | 17.1945% | 2,296 |
| Total risk-based capital ratio | 18.4553% | 2,242 |
| Memoranda: | ||
| Average total assets | $226,248,250 | 2,719 |
| Average earning assets | $210,890,750 | 2,689 |
| Average equity | $30,224,500 | 2,320 |
| Average total loans | $165,177,500 | 2,421 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 521 |
| Cost of funding earning assets | 0.3131% | 4,243 |
| Net interest margin | 4.7743% | 379 |
| Noninterest income to average assets | 0.8395% | 1,635 |
| Noninterest expense to average assets | 3.2615% | 1,815 |
| Loan and lease loss provision to assets | 0.1597% | 1,330 |
| Net operating income to assets | 1.8708% | 451 |
| Return on assets (ROA) | 1.9480% | 416 |
| Pretax return on assets | 1.9480% | 665 |
| Return on Equity (ROE) | 14.6911% | 786 |
| Retained earnings to average equity (ytd only) | 9.3367% | 824 |
| Net charge-offs to loans | 0.0540% | 2,643 |
| Credit loss provision to net charge-offs | 409.0909% | 733 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 928 |
| Efficiency ratio | 60.9089% | 4,845 |
| Assets per employee ($millions) | 3.5124% | 4,762 |
| Cash dividends to net income (ytd only)* | 36.4465% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 711 |
| Loan loss allowance to noncurrent loans | 295.9330% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 3,738 |
| Noncurrent loans to loans | 0.7520% | 3,232 |
| Net loans and leases to total assets | 71.4160% | 2,083 |
| Net loans and leases to deposits | 84.8041% | 2,209 |
| Net loans and leases to core deposits | 118.5986% | 507 |
| Total domestic deposits to total assets | 84.2129% | 3,482 |
| Equity capital to assets | 13.2077% | 1,298 |
| Core capital (leverage) ratio | 12.9277% | 1,194 |
| Tier 1 risk-based capital ratio | 15.6306% | 3,040 |
| Total risk-based capital ratio | 16.8893% | 2,982 |
| Memoranda: | ||
| Average total assets | $225,359,000 | 2,748 |
| Average earning assets | $210,165,330 | 2,708 |
| Average equity | $29,882,000 | 2,350 |
| Average total loans | $162,877,670 | 2,452 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 592 |
| Cost of funding earning assets | 0.3118% | 4,309 |
| Net interest margin | 4.6641% | 444 |
| Noninterest income to average assets | 0.8344% | 1,590 |
| Noninterest expense to average assets | 3.1284% | 2,184 |
| Loan and lease loss provision to assets | 0.1608% | 1,258 |
| Net operating income to assets | 1.9010% | 403 |
| Return on assets (ROA) | 2.0242% | 342 |
| Pretax return on assets | 2.0242% | 560 |
| Return on Equity (ROE) | 15.2357% | 681 |
| Retained earnings to average equity (ytd only) | 9.8568% | 963 |
| Net charge-offs to loans | 0.0423% | 2,389 |
| Credit loss provision to net charge-offs | 529.4118% | 518 |
| Earnings coverage of net charge-offs (x) | 67.8824% | 664 |
| Efficiency ratio | 59.5181% | 5,155 |
| Assets per employee ($millions) | 3.5764% | 4,767 |
| Cash dividends to net income (ytd only)* | 35.3045% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2450% | 757 |
| Loan loss allowance to noncurrent loans | 331.1252% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 4,011 |
| Noncurrent loans to loans | 0.6780% | 3,587 |
| Net loans and leases to total assets | 70.5190% | 2,067 |
| Net loans and leases to deposits | 82.2001% | 2,318 |
| Net loans and leases to core deposits | 94.9129% | 1,699 |
| Total domestic deposits to total assets | 85.7894% | 3,047 |
| Equity capital to assets | 13.4565% | 1,188 |
| Core capital (leverage) ratio | 12.3803% | 1,410 |
| Tier 1 risk-based capital ratio | 16.4426% | 2,712 |
| Total risk-based capital ratio | 17.7039% | 2,643 |
| Memoranda: | ||
| Average total assets | $223,885,500 | 2,770 |
| Average earning assets | $209,086,000 | 2,738 |
| Average equity | $29,746,000 | 2,368 |
| Average total loans | $160,937,500 | 2,483 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1692% | 550 |
| Cost of funding earning assets | 0.3474% | 4,282 |
| Net interest margin | 4.8218% | 418 |
| Noninterest income to average assets | 0.8450% | 1,699 |
| Noninterest expense to average assets | 3.3356% | 1,834 |
| Loan and lease loss provision to assets | 0.1633% | 1,609 |
| Net operating income to assets | 1.8102% | 470 |
| Return on assets (ROA) | 1.9214% | 394 |
| Pretax return on assets | 1.9214% | 607 |
| Return on Equity (ROE) | 15.3678% | 717 |
| Retained earnings to average equity (ytd only) | 7.1397% | 1,337 |
| Net charge-offs to loans | -0.0556% | 5,962 |
| Credit loss provision to net charge-offs | -428.5714% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0846% | 4,904 |
| Assets per employee ($millions) | 3.4225% | 5,011 |
| Cash dividends to net income (ytd only)* | 53.5411% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2436% | 778 |
| Loan loss allowance to noncurrent loans | 321.2040% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 3,845 |
| Noncurrent loans to loans | 0.6985% | 3,590 |
| Net loans and leases to total assets | 70.0189% | 2,236 |
| Net loans and leases to deposits | 81.8518% | 2,493 |
| Net loans and leases to core deposits | 115.0212% | 556 |
| Total domestic deposits to total assets | 85.5435% | 3,056 |
| Equity capital to assets | 13.1138% | 1,308 |
| Core capital (leverage) ratio | 12.4498% | 1,377 |
| Tier 1 risk-based capital ratio | 16.1572% | 2,886 |
| Total risk-based capital ratio | 17.2856% | 2,887 |
| Memoranda: | ||
| Average total assets | $220,468,800 | 2,776 |
| Average earning assets | $204,114,600 | 2,761 |
| Average equity | $27,564,200 | 2,441 |
| Average total loans | $151,107,200 | 2,555 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 588 |
| Cost of funding earning assets | 0.3576% | 4,261 |
| Net interest margin | 4.7844% | 448 |
| Noninterest income to average assets | 0.8243% | 1,797 |
| Noninterest expense to average assets | 3.2410% | 2,052 |
| Loan and lease loss provision to assets | 0.1637% | 1,516 |
| Net operating income to assets | 1.8396% | 476 |
| Return on assets (ROA) | 1.9348% | 403 |
| Pretax return on assets | 1.9348% | 657 |
| Return on Equity (ROE) | 15.6685% | 721 |
| Retained earnings to average equity (ytd only) | 9.7732% | 762 |
| Net charge-offs to loans | -0.1073% | 6,161 |
| Credit loss provision to net charge-offs | -225.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0495% | 5,030 |
| Assets per employee ($millions) | 3.3313% | 5,183 |
| Cash dividends to net income (ytd only)* | 37.6253% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2567% | 873 |
| Loan loss allowance to noncurrent loans | 323.0275% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 4,142 |
| Noncurrent loans to loans | 0.6986% | 3,862 |
| Net loans and leases to total assets | 68.3272% | 2,477 |
| Net loans and leases to deposits | 81.1111% | 2,532 |
| Net loans and leases to core deposits | 107.2069% | 890 |
| Total domestic deposits to total assets | 84.2391% | 3,668 |
| Equity capital to assets | 12.9795% | 1,433 |
| Core capital (leverage) ratio | 12.6704% | 1,322 |
| Tier 1 risk-based capital ratio | 16.4194% | 2,846 |
| Total risk-based capital ratio | 17.5501% | 2,853 |
| Memoranda: | ||
| Average total assets | $219,971,000 | 2,799 |
| Average earning assets | $203,209,500 | 2,792 |
| Average equity | $27,162,000 | 2,476 |
| Average total loans | $149,049,250 | 2,589 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 579 |
| Cost of funding earning assets | 0.3745% | 4,164 |
| Net interest margin | 4.7553% | 445 |
| Noninterest income to average assets | 0.8004% | 1,837 |
| Noninterest expense to average assets | 3.1741% | 2,271 |
| Loan and lease loss provision to assets | 0.1645% | 1,498 |
| Net operating income to assets | 1.8475% | 445 |
| Return on assets (ROA) | 1.9233% | 409 |
| Pretax return on assets | 1.9233% | 650 |
| Return on Equity (ROE) | 15.8513% | 669 |
| Retained earnings to average equity (ytd only) | 9.8195% | 761 |
| Net charge-offs to loans | -0.1895% | 6,330 |
| Credit loss provision to net charge-offs | -129.4964% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4475% | 5,228 |
| Assets per employee ($millions) | 3.2902% | 5,270 |
| Cash dividends to net income (ytd only)* | 38.0523% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2687% | 933 |
| Loan loss allowance to noncurrent loans | 553.7721% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 4,833 |
| Noncurrent loans to loans | 0.4097% | 4,761 |
| Net loans and leases to total assets | 67.4182% | 2,512 |
| Net loans and leases to deposits | 79.4572% | 2,586 |
| Net loans and leases to core deposits | 105.2505% | 943 |
| Total domestic deposits to total assets | 84.8484% | 3,583 |
| Equity capital to assets | 12.5714% | 1,603 |
| Core capital (leverage) ratio | 12.3054% | 1,494 |
| Tier 1 risk-based capital ratio | 16.3991% | 2,878 |
| Total risk-based capital ratio | 17.5338% | 2,884 |
| Memoranda: | ||
| Average total assets | $218,895,330 | 2,824 |
| Average earning assets | $201,879,330 | 2,814 |
| Average equity | $26,559,330 | 2,518 |
| Average total loans | $146,723,670 | 2,631 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 585 |
| Cost of funding earning assets | 0.3971% | 4,010 |
| Net interest margin | 4.7147% | 453 |
| Noninterest income to average assets | 0.7904% | 1,793 |
| Noninterest expense to average assets | 3.1799% | 2,294 |
| Loan and lease loss provision to assets | 0.1650% | 1,469 |
| Net operating income to assets | 1.7788% | 498 |
| Return on assets (ROA) | 1.8467% | 468 |
| Pretax return on assets | 1.8467% | 732 |
| Return on Equity (ROE) | 15.5027% | 705 |
| Retained earnings to average equity (ytd only) | 9.3448% | 1,150 |
| Net charge-offs to loans | -0.4554% | 6,545 |
| Credit loss provision to net charge-offs | -54.8780% | 4,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2742% | 5,236 |
| Assets per employee ($millions) | 3.2795% | 5,384 |
| Cash dividends to net income (ytd only)* | 39.7219% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 1,003 |
| Loan loss allowance to noncurrent loans | 527.2586% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 5,013 |
| Noncurrent loans to loans | 0.4392% | 4,828 |
| Net loans and leases to total assets | 64.9799% | 2,730 |
| Net loans and leases to deposits | 74.7430% | 2,986 |
| Net loans and leases to core deposits | 98.4221% | 1,210 |
| Total domestic deposits to total assets | 86.9378% | 2,852 |
| Equity capital to assets | 12.0965% | 1,812 |
| Core capital (leverage) ratio | 12.2061% | 1,532 |
| Tier 1 risk-based capital ratio | 16.4866% | 2,903 |
| Total risk-based capital ratio | 17.6216% | 2,934 |
| Memoranda: | ||
| Average total assets | $218,120,500 | 2,850 |
| Average earning assets | $200,477,500 | 2,847 |
| Average equity | $25,982,500 | 2,551 |
| Average total loans | $144,050,500 | 2,678 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 643 |
| Cost of funding earning assets | 0.5830% | 2,807 |
| Net interest margin | 4.6151% | 595 |
| Noninterest income to average assets | 0.8129% | 2,015 |
| Noninterest expense to average assets | 3.1719% | 2,505 |
| Loan and lease loss provision to assets | 0.1632% | 2,235 |
| Net operating income to assets | 1.7129% | 569 |
| Return on assets (ROA) | 1.7555% | 540 |
| Pretax return on assets | 1.7555% | 842 |
| Return on Equity (ROE) | 14.9973% | 767 |
| Retained earnings to average equity (ytd only) | 7.2508% | 1,336 |
| Net charge-offs to loans | 0.1350% | 3,453 |
| Credit loss provision to net charge-offs | 189.4737% | 1,208 |
| Earnings coverage of net charge-offs (x) | 21.7789% | 1,480 |
| Efficiency ratio | 62.0532% | 5,204 |
| Assets per employee ($millions) | 3.2316% | 5,424 |
| Cash dividends to net income (ytd only)* | 51.6529% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2059% | 1,168 |
| Loan loss allowance to noncurrent loans | 427.7322% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 5,056 |
| Noncurrent loans to loans | 0.5157% | 4,702 |
| Net loans and leases to total assets | 64.1098% | 3,027 |
| Net loans and leases to deposits | 76.7726% | 2,886 |
| Net loans and leases to core deposits | 99.1571% | 1,222 |
| Total domestic deposits to total assets | 83.5061% | 4,360 |
| Equity capital to assets | 11.7248% | 2,010 |
| Core capital (leverage) ratio | 11.9645% | 1,634 |
| Tier 1 risk-based capital ratio | 16.3408% | 2,939 |
| Total risk-based capital ratio | 17.4746% | 2,950 |
| Memoranda: | ||
| Average total assets | $220,560,200 | 2,805 |
| Average earning assets | $202,402,800 | 2,803 |
| Average equity | $25,818,000 | 2,563 |
| Average total loans | $140,776,400 | 2,680 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 672 |
| Cost of funding earning assets | 0.6286% | 2,562 |
| Net interest margin | 4.5565% | 668 |
| Noninterest income to average assets | 0.8166% | 2,068 |
| Noninterest expense to average assets | 3.1508% | 2,503 |
| Loan and lease loss provision to assets | 0.1625% | 2,227 |
| Net operating income to assets | 1.6909% | 630 |
| Return on assets (ROA) | 1.7258% | 629 |
| Pretax return on assets | 1.7258% | 1,045 |
| Return on Equity (ROE) | 14.7493% | 846 |
| Retained earnings to average equity (ytd only) | 9.3495% | 950 |
| Net charge-offs to loans | 0.1879% | 2,721 |
| Credit loss provision to net charge-offs | 136.3636% | 1,719 |
| Earnings coverage of net charge-offs (x) | 15.5557% | 1,853 |
| Efficiency ratio | 62.1813% | 5,109 |
| Assets per employee ($millions) | 3.5209% | 4,807 |
| Cash dividends to net income (ytd only)* | 36.6111% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1448% | 1,420 |
| Loan loss allowance to noncurrent loans | 446.6863% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 5,214 |
| Noncurrent loans to loans | 0.4802% | 4,999 |
| Net loans and leases to total assets | 63.3908% | 3,100 |
| Net loans and leases to deposits | 73.7596% | 3,273 |
| Net loans and leases to core deposits | 94.4605% | 1,531 |
| Total domestic deposits to total assets | 85.9424% | 3,293 |
| Equity capital to assets | 11.7506% | 2,082 |
| Core capital (leverage) ratio | 11.6629% | 1,906 |
| Tier 1 risk-based capital ratio | 16.5089% | 2,929 |
| Total risk-based capital ratio | 17.6464% | 2,950 |
| Memoranda: | ||
| Average total assets | $221,571,250 | 2,821 |
| Average earning assets | $203,632,750 | 2,813 |
| Average equity | $25,926,000 | 2,584 |
| Average total loans | $140,485,750 | 2,702 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 743 |
| Cost of funding earning assets | 0.6666% | 2,345 |
| Net interest margin | 4.4540% | 774 |
| Noninterest income to average assets | 0.7967% | 2,199 |
| Noninterest expense to average assets | 3.0063% | 2,982 |
| Loan and lease loss provision to assets | 0.1617% | 2,310 |
| Net operating income to assets | 1.7336% | 593 |
| Return on assets (ROA) | 1.7443% | 628 |
| Pretax return on assets | 1.7443% | 1,026 |
| Return on Equity (ROE) | 14.9283% | 822 |
| Retained earnings to average equity (ytd only) | 9.5474% | 953 |
| Net charge-offs to loans | -0.0057% | 5,656 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5461% | 5,395 |
| Assets per employee ($millions) | 3.6802% | 4,439 |
| Cash dividends to net income (ytd only)* | 36.0453% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2511% | 1,336 |
| Loan loss allowance to noncurrent loans | 302.4038% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 5,060 |
| Noncurrent loans to loans | 0.7444% | 4,434 |
| Net loans and leases to total assets | 60.8325% | 3,515 |
| Net loans and leases to deposits | 72.3989% | 3,395 |
| Net loans and leases to core deposits | 92.1983% | 1,688 |
| Total domestic deposits to total assets | 84.0241% | 4,305 |
| Equity capital to assets | 11.4911% | 2,303 |
| Core capital (leverage) ratio | 10.9000% | 2,454 |
| Tier 1 risk-based capital ratio | 16.0843% | 3,142 |
| Total risk-based capital ratio | 17.2233% | 3,149 |
| Memoranda: | ||
| Average total assets | $222,663,330 | 2,812 |
| Average earning assets | $205,208,000 | 2,808 |
| Average equity | $26,017,670 | 2,583 |
| Average total loans | $140,177,000 | 2,716 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 596 |
| Cost of funding earning assets | 0.6691% | 2,486 |
| Net interest margin | 4.5357% | 634 |
| Noninterest income to average assets | 0.8208% | 2,044 |
| Noninterest expense to average assets | 3.1351% | 2,561 |
| Loan and lease loss provision to assets | 0.1623% | 2,242 |
| Net operating income to assets | 1.7299% | 540 |
| Return on assets (ROA) | 1.7335% | 594 |
| Pretax return on assets | 1.7335% | 997 |
| Return on Equity (ROE) | 14.7122% | 817 |
| Retained earnings to average equity (ytd only) | 9.3539% | 1,278 |
| Net charge-offs to loans | -0.0712% | 6,284 |
| Credit loss provision to net charge-offs | -360.0000% | 5,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5716% | 5,362 |
| Assets per employee ($millions) | 3.7200% | 4,513 |
| Cash dividends to net income (ytd only)* | 36.4204% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1888% | 1,607 |
| Loan loss allowance to noncurrent loans | 440.0572% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 5,596 |
| Noncurrent loans to loans | 0.4974% | 5,183 |
| Net loans and leases to total assets | 60.5737% | 3,333 |
| Net loans and leases to deposits | 72.1594% | 3,165 |
| Net loans and leases to core deposits | 93.2866% | 1,397 |
| Total domestic deposits to total assets | 83.9443% | 4,502 |
| Equity capital to assets | 11.6229% | 2,312 |
| Core capital (leverage) ratio | 11.1640% | 2,121 |
| Tier 1 risk-based capital ratio | 15.9224% | 3,313 |
| Total risk-based capital ratio | 17.0655% | 3,327 |
| Memoranda: | ||
| Average total assets | $221,747,500 | 2,852 |
| Average earning assets | $205,659,500 | 2,835 |
| Average equity | $26,128,000 | 2,605 |
| Average total loans | $140,410,000 | 2,721 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6338% | 481 |
| Cost of funding earning assets | 0.9211% | 1,810 |
| Net interest margin | 4.7127% | 637 |
| Noninterest income to average assets | 0.8870% | 1,907 |
| Noninterest expense to average assets | 3.1824% | 2,673 |
| Loan and lease loss provision to assets | 0.1748% | 3,433 |
| Net operating income to assets | 1.8992% | 433 |
| Return on assets (ROA) | 1.9264% | 451 |
| Pretax return on assets | 1.9264% | 705 |
| Return on Equity (ROE) | 16.1010% | 648 |
| Retained earnings to average equity (ytd only) | 8.3386% | 1,018 |
| Net charge-offs to loans | 0.2109% | 3,703 |
| Credit loss provision to net charge-offs | 125.8741% | 2,246 |
| Earnings coverage of net charge-offs (x) | 14.9371% | 1,688 |
| Efficiency ratio | 59.7395% | 5,585 |
| Assets per employee ($millions) | 3.5504% | 4,903 |
| Cash dividends to net income (ytd only)* | 48.2107% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1099% | 1,746 |
| Loan loss allowance to noncurrent loans | 264.9955% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 5,129 |
| Noncurrent loans to loans | 0.7962% | 4,590 |
| Net loans and leases to total assets | 63.4100% | 2,991 |
| Net loans and leases to deposits | 76.0547% | 2,798 |
| Net loans and leases to core deposits | 97.7145% | 1,165 |
| Total domestic deposits to total assets | 83.3742% | 4,570 |
| Equity capital to assets | 11.9502% | 2,073 |
| Core capital (leverage) ratio | 11.1363% | 2,136 |
| Tier 1 risk-based capital ratio | 16.0093% | 3,162 |
| Total risk-based capital ratio | 17.1557% | 3,175 |
| Memoranda: | ||
| Average total assets | $205,977,600 | 2,973 |
| Average earning assets | $190,973,400 | 2,942 |
| Average equity | $24,644,400 | 2,696 |
| Average total loans | $135,638,600 | 2,781 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7176% | 446 |
| Cost of funding earning assets | 0.9635% | 1,764 |
| Net interest margin | 4.7540% | 602 |
| Noninterest income to average assets | 0.8879% | 1,875 |
| Noninterest expense to average assets | 3.2505% | 2,425 |
| Loan and lease loss provision to assets | 0.1770% | 3,370 |
| Net operating income to assets | 1.8636% | 500 |
| Return on assets (ROA) | 1.8820% | 555 |
| Pretax return on assets | 1.8820% | 907 |
| Return on Equity (ROE) | 15.7244% | 780 |
| Retained earnings to average equity (ytd only) | 9.9551% | 928 |
| Net charge-offs to loans | 0.0932% | 4,445 |
| Credit loss provision to net charge-offs | 287.2340% | 940 |
| Earnings coverage of net charge-offs (x) | 33.1064% | 1,010 |
| Efficiency ratio | 60.6271% | 5,391 |
| Assets per employee ($millions) | 3.6044% | 4,746 |
| Cash dividends to net income (ytd only)* | 36.6898% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2430% | 1,622 |
| Loan loss allowance to noncurrent loans | 284.1373% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 5,326 |
| Noncurrent loans to loans | 0.7894% | 4,825 |
| Net loans and leases to total assets | 64.9772% | 2,846 |
| Net loans and leases to deposits | 79.6662% | 2,444 |
| Net loans and leases to core deposits | 107.6451% | 662 |
| Total domestic deposits to total assets | 81.5618% | 5,171 |
| Equity capital to assets | 12.4917% | 1,893 |
| Core capital (leverage) ratio | 11.6304% | 1,888 |
| Tier 1 risk-based capital ratio | 16.0032% | 3,257 |
| Total risk-based capital ratio | 17.1386% | 3,298 |
| Memoranda: | ||
| Average total assets | $203,328,750 | 3,037 |
| Average earning assets | $188,326,750 | 3,012 |
| Average equity | $24,335,250 | 2,750 |
| Average total loans | $134,476,000 | 2,832 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8925% | 348 |
| Cost of funding earning assets | 1.0181% | 1,660 |
| Net interest margin | 4.8743% | 493 |
| Noninterest income to average assets | 0.7660% | 2,347 |
| Noninterest expense to average assets | 3.2691% | 2,389 |
| Loan and lease loss provision to assets | 0.1777% | 3,317 |
| Net operating income to assets | 1.8320% | 534 |
| Return on assets (ROA) | 1.9218% | 510 |
| Pretax return on assets | 1.9218% | 816 |
| Return on Equity (ROE) | 16.2981% | 724 |
| Retained earnings to average equity (ytd only) | 10.4134% | 866 |
| Net charge-offs to loans | 0.0658% | 4,510 |
| Credit loss provision to net charge-offs | 409.0909% | 720 |
| Earnings coverage of net charge-offs (x) | 46.2727% | 779 |
| Efficiency ratio | 61.9297% | 5,263 |
| Assets per employee ($millions) | 3.5604% | 4,841 |
| Cash dividends to net income (ytd only)* | 36.1068% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2470% | 1,676 |
| Loan loss allowance to noncurrent loans | 293.7804% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 5,307 |
| Noncurrent loans to loans | 0.7648% | 4,978 |
| Net loans and leases to total assets | 64.8034% | 2,877 |
| Net loans and leases to deposits | 79.2754% | 2,487 |
| Net loans and leases to core deposits | 104.7770% | 805 |
| Total domestic deposits to total assets | 81.7446% | 5,222 |
| Equity capital to assets | 12.1591% | 2,022 |
| Core capital (leverage) ratio | 11.2340% | 2,099 |
| Tier 1 risk-based capital ratio | 17.5993% | 2,439 |
| Total risk-based capital ratio | 18.8613% | 2,406 |
| Memoranda: | ||
| Average total assets | $202,622,000 | 3,054 |
| Average earning assets | $187,595,670 | 3,024 |
| Average equity | $23,892,330 | 2,779 |
| Average total loans | $133,782,000 | 2,857 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8941% | 360 |
| Cost of funding earning assets | 1.0655% | 1,589 |
| Net interest margin | 4.8286% | 531 |
| Noninterest income to average assets | 0.7527% | 2,381 |
| Noninterest expense to average assets | 3.3053% | 2,269 |
| Loan and lease loss provision to assets | 0.1778% | 3,191 |
| Net operating income to assets | 1.7465% | 666 |
| Return on assets (ROA) | 1.8413% | 624 |
| Pretax return on assets | 1.8413% | 992 |
| Return on Equity (ROE) | 15.8635% | 824 |
| Retained earnings to average equity (ytd only) | 9.8551% | 1,303 |
| Net charge-offs to loans | 0.0989% | 3,544 |
| Credit loss provision to net charge-offs | 272.7273% | 1,067 |
| Earnings coverage of net charge-offs (x) | 29.5152% | 930 |
| Efficiency ratio | 63.2036% | 5,068 |
| Assets per employee ($millions) | 3.5769% | 4,943 |
| Cash dividends to net income (ytd only)* | 37.8755% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2032% | 1,874 |
| Loan loss allowance to noncurrent loans | 251.1945% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 5,258 |
| Noncurrent loans to loans | 0.8771% | 4,917 |
| Net loans and leases to total assets | 64.0940% | 2,832 |
| Net loans and leases to deposits | 79.1782% | 2,315 |
| Net loans and leases to core deposits | 101.3778% | 895 |
| Total domestic deposits to total assets | 80.9491% | 5,621 |
| Equity capital to assets | 11.7208% | 2,247 |
| Core capital (leverage) ratio | 11.1148% | 2,176 |
| Tier 1 risk-based capital ratio | 17.1677% | 2,614 |
| Total risk-based capital ratio | 18.4271% | 2,573 |
| Memoranda: | ||
| Average total assets | $202,461,500 | 3,079 |
| Average earning assets | $187,713,000 | 3,043 |
| Average equity | $23,500,500 | 2,802 |
| Average total loans | $133,404,500 | 2,879 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1872% | 317 |
| Cost of funding earning assets | 1.4379% | 889 |
| Net interest margin | 4.7493% | 687 |
| Noninterest income to average assets | 0.7718% | 2,222 |
| Noninterest expense to average assets | 3.1344% | 3,087 |
| Loan and lease loss provision to assets | 0.1785% | 4,408 |
| Net operating income to assets | 1.7880% | 467 |
| Return on assets (ROA) | 1.7974% | 497 |
| Pretax return on assets | 1.7974% | 803 |
| Return on Equity (ROE) | 16.5633% | 526 |
| Retained earnings to average equity (ytd only) | 8.9805% | 809 |
| Net charge-offs to loans | 0.3896% | 3,468 |
| Credit loss provision to net charge-offs | 68.8337% | 4,896 |
| Earnings coverage of net charge-offs (x) | 7.5851% | 2,311 |
| Efficiency ratio | 60.6025% | 5,661 |
| Assets per employee ($millions) | 3.5270% | 4,950 |
| Cash dividends to net income (ytd only)* | 45.7805% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1676% | 1,865 |
| Loan loss allowance to noncurrent loans | 209.5065% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 5,171 |
| Noncurrent loans to loans | 1.0346% | 4,637 |
| Net loans and leases to total assets | 64.8136% | 3,021 |
| Net loans and leases to deposits | 80.7942% | 2,388 |
| Net loans and leases to core deposits | 103.9067% | 908 |
| Total domestic deposits to total assets | 80.2207% | 5,679 |
| Equity capital to assets | 11.4924% | 2,513 |
| Core capital (leverage) ratio | 10.8008% | 2,433 |
| Tier 1 risk-based capital ratio | 16.7327% | 2,722 |
| Total risk-based capital ratio | 17.9913% | 2,678 |
| Memoranda: | ||
| Average total assets | $201,731,800 | 3,039 |
| Average earning assets | $183,880,000 | 3,043 |
| Average equity | $21,891,800 | 2,904 |
| Average total loans | $134,235,200 | 2,915 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1869% | 334 |
| Cost of funding earning assets | 1.5167% | 808 |
| Net interest margin | 4.6702% | 811 |
| Noninterest income to average assets | 0.7640% | 2,236 |
| Noninterest expense to average assets | 3.1598% | 2,962 |
| Loan and lease loss provision to assets | 0.1783% | 4,247 |
| Net operating income to assets | 1.6634% | 691 |
| Return on assets (ROA) | 1.6760% | 735 |
| Pretax return on assets | 1.6760% | 1,192 |
| Return on Equity (ROE) | 15.6745% | 722 |
| Retained earnings to average equity (ytd only) | 10.1161% | 816 |
| Net charge-offs to loans | 0.4173% | 3,054 |
| Credit loss provision to net charge-offs | 64.1330% | 4,666 |
| Earnings coverage of net charge-offs (x) | 6.6247% | 2,521 |
| Efficiency ratio | 62.3185% | 5,364 |
| Assets per employee ($millions) | 3.5563% | 4,866 |
| Cash dividends to net income (ytd only)* | 35.4609% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1553% | 1,952 |
| Loan loss allowance to noncurrent loans | 172.3543% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 4,986 |
| Noncurrent loans to loans | 1.2505% | 4,449 |
| Net loans and leases to total assets | 64.9254% | 3,124 |
| Net loans and leases to deposits | 80.8782% | 2,542 |
| Net loans and leases to core deposits | 104.1622% | 970 |
| Total domestic deposits to total assets | 80.2756% | 5,652 |
| Equity capital to assets | 11.3686% | 2,803 |
| Core capital (leverage) ratio | 10.5550% | 2,803 |
| Tier 1 risk-based capital ratio | 16.4483% | 2,888 |
| Total risk-based capital ratio | 17.7077% | 2,846 |
| Memoranda: | ||
| Average total assets | $201,905,250 | 3,052 |
| Average earning assets | $183,200,000 | 3,061 |
| Average equity | $21,588,750 | 2,935 |
| Average total loans | $134,497,250 | 2,932 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1838% | 338 |
| Cost of funding earning assets | 1.6049% | 683 |
| Net interest margin | 4.5789% | 950 |
| Noninterest income to average assets | 0.7608% | 2,204 |
| Noninterest expense to average assets | 3.1333% | 3,133 |
| Loan and lease loss provision to assets | 0.1785% | 4,134 |
| Net operating income to assets | 1.5890% | 747 |
| Return on assets (ROA) | 1.5959% | 783 |
| Pretax return on assets | 1.5959% | 1,267 |
| Return on Equity (ROE) | 15.2488% | 755 |
| Retained earnings to average equity (ytd only) | 9.5625% | 947 |
| Net charge-offs to loans | 0.3777% | 3,043 |
| Credit loss provision to net charge-offs | 70.8661% | 4,042 |
| Earnings coverage of net charge-offs (x) | 7.0157% | 2,296 |
| Efficiency ratio | 63.0642% | 5,395 |
| Assets per employee ($millions) | 3.6294% | 4,616 |
| Cash dividends to net income (ytd only)* | 37.2902% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 1,889 |
| Loan loss allowance to noncurrent loans | 225.7967% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 5,516 |
| Noncurrent loans to loans | 0.9807% | 5,022 |
| Net loans and leases to total assets | 63.5235% | 3,578 |
| Net loans and leases to deposits | 80.5567% | 2,694 |
| Net loans and leases to core deposits | 102.2271% | 1,165 |
| Total domestic deposits to total assets | 78.8556% | 6,119 |
| Equity capital to assets | 10.7100% | 3,273 |
| Core capital (leverage) ratio | 10.0669% | 3,181 |
| Tier 1 risk-based capital ratio | 15.1465% | 3,428 |
| Total risk-based capital ratio | 16.4077% | 3,377 |
| Memoranda: | ||
| Average total assets | $201,637,670 | 3,079 |
| Average earning assets | $182,316,330 | 3,097 |
| Average equity | $21,103,330 | 2,984 |
| Average total loans | $134,493,670 | 2,953 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3299% | 268 |
| Cost of funding earning assets | 1.6422% | 694 |
| Net interest margin | 4.6878% | 730 |
| Noninterest income to average assets | 0.7436% | 2,294 |
| Noninterest expense to average assets | 3.2459% | 2,718 |
| Loan and lease loss provision to assets | 0.1809% | 3,806 |
| Net operating income to assets | 1.5797% | 720 |
| Return on assets (ROA) | 1.5938% | 747 |
| Pretax return on assets | 1.5938% | 1,208 |
| Return on Equity (ROE) | 15.4153% | 755 |
| Retained earnings to average equity (ytd only) | 9.5835% | 1,215 |
| Net charge-offs to loans | 0.0119% | 4,918 |
| Credit loss provision to net charge-offs | 2,250.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 141 |
| Efficiency ratio | 63.9904% | 5,366 |
| Assets per employee ($millions) | 3.5950% | 4,764 |
| Cash dividends to net income (ytd only)* | 37.8310% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3524% | 1,675 |
| Loan loss allowance to noncurrent loans | 221.3126% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 5,425 |
| Noncurrent loans to loans | 1.0629% | 4,929 |
| Net loans and leases to total assets | 63.5267% | 3,536 |
| Net loans and leases to deposits | 80.9778% | 2,531 |
| Net loans and leases to core deposits | 84.3632% | 3,120 |
| Total domestic deposits to total assets | 78.4495% | 6,307 |
| Equity capital to assets | 10.1809% | 3,557 |
| Core capital (leverage) ratio | 9.9009% | 3,265 |
| Tier 1 risk-based capital ratio | 15.0451% | 3,400 |
| Total risk-based capital ratio | 16.3053% | 3,356 |
| Memoranda: | ||
| Average total assets | $199,020,000 | 3,125 |
| Average earning assets | $180,981,000 | 3,129 |
| Average equity | $20,577,000 | 3,043 |
| Average total loans | $134,546,000 | 2,992 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7366% | 224 |
| Cost of funding earning assets | 1.8772% | 919 |
| Net interest margin | 4.8594% | 587 |
| Noninterest income to average assets | 0.7745% | 2,406 |
| Noninterest expense to average assets | 3.2176% | 3,022 |
| Loan and lease loss provision to assets | 0.4406% | 3,475 |
| Net operating income to assets | 1.6471% | 573 |
| Return on assets (ROA) | 1.6897% | 570 |
| Pretax return on assets | 1.6897% | 964 |
| Return on Equity (ROE) | 18.0607% | 377 |
| Retained earnings to average equity (ytd only) | 10.2478% | 475 |
| Net charge-offs to loans | 0.4205% | 3,935 |
| Credit loss provision to net charge-offs | 145.4545% | 2,538 |
| Earnings coverage of net charge-offs (x) | 6.8926% | 2,248 |
| Efficiency ratio | 60.6492% | 5,944 |
| Assets per employee ($millions) | 3.5764% | 4,762 |
| Cash dividends to net income (ytd only)* | 43.2593% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2463% | 1,783 |
| Loan loss allowance to noncurrent loans | 181.0089% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 5,056 |
| Noncurrent loans to loans | 1.2410% | 4,645 |
| Net loans and leases to total assets | 68.7277% | 2,804 |
| Net loans and leases to deposits | 91.2535% | 1,360 |
| Net loans and leases to core deposits | 94.8112% | 2,158 |
| Total domestic deposits to total assets | 75.3151% | 6,729 |
| Equity capital to assets | 10.5071% | 3,147 |
| Core capital (leverage) ratio | 10.2240% | 2,838 |
| Tier 1 risk-based capital ratio | 17.6666% | 2,101 |
| Total risk-based capital ratio | 18.9344% | 2,064 |
| Memoranda: | ||
| Average total assets | $199,743,800 | 3,104 |
| Average earning assets | $186,235,400 | 3,049 |
| Average equity | $18,687,000 | 3,315 |
| Average total loans | $143,861,000 | 2,867 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7344% | 222 |
| Cost of funding earning assets | 1.9196% | 967 |
| Net interest margin | 4.8148% | 658 |
| Noninterest income to average assets | 0.7613% | 2,444 |
| Noninterest expense to average assets | 3.2889% | 2,608 |
| Loan and lease loss provision to assets | 0.5031% | 2,944 |
| Net operating income to assets | 1.4644% | 990 |
| Return on assets (ROA) | 1.5134% | 979 |
| Pretax return on assets | 1.5134% | 1,578 |
| Return on Equity (ROE) | 16.6683% | 628 |
| Retained earnings to average equity (ytd only) | 10.1060% | 767 |
| Net charge-offs to loans | 0.3583% | 3,868 |
| Credit loss provision to net charge-offs | 193.8776% | 1,841 |
| Earnings coverage of net charge-offs (x) | 7.5817% | 2,305 |
| Efficiency ratio | 62.5693% | 5,509 |
| Assets per employee ($millions) | 3.7019% | 4,507 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2555% | 1,695 |
| Loan loss allowance to noncurrent loans | 182.0973% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 4,951 |
| Noncurrent loans to loans | 1.2386% | 4,779 |
| Net loans and leases to total assets | 68.1355% | 3,177 |
| Net loans and leases to deposits | 92.2654% | 1,409 |
| Net loans and leases to core deposits | 99.1895% | 1,928 |
| Total domestic deposits to total assets | 73.8473% | 6,937 |
| Equity capital to assets | 10.1434% | 3,957 |
| Core capital (leverage) ratio | 9.7969% | 3,490 |
| Tier 1 risk-based capital ratio | 16.6669% | 2,475 |
| Total risk-based capital ratio | 17.9342% | 2,430 |
| Memoranda: | ||
| Average total assets | $201,398,250 | 3,118 |
| Average earning assets | $188,025,250 | 3,071 |
| Average equity | $18,285,750 | 3,429 |
| Average total loans | $145,881,000 | 2,877 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7200% | 235 |
| Cost of funding earning assets | 1.9713% | 983 |
| Net interest margin | 4.7488% | 725 |
| Noninterest income to average assets | 0.7638% | 2,309 |
| Noninterest expense to average assets | 3.0808% | 3,391 |
| Loan and lease loss provision to assets | 0.6340% | 2,261 |
| Net operating income to assets | 1.4948% | 921 |
| Return on assets (ROA) | 1.5681% | 839 |
| Pretax return on assets | 1.5681% | 1,385 |
| Return on Equity (ROE) | 17.9662% | 465 |
| Retained earnings to average equity (ytd only) | 11.1565% | 619 |
| Net charge-offs to loans | 0.3661% | 3,532 |
| Credit loss provision to net charge-offs | 236.1624% | 1,634 |
| Earnings coverage of net charge-offs (x) | 7.9299% | 2,214 |
| Efficiency ratio | 59.1367% | 6,189 |
| Assets per employee ($millions) | 3.6981% | 4,473 |
| Cash dividends to net income (ytd only)* | 37.9027% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1981% | 1,758 |
| Loan loss allowance to noncurrent loans | 154.4963% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 4,647 |
| Noncurrent loans to loans | 1.4228% | 4,580 |
| Net loans and leases to total assets | 70.0481% | 2,886 |
| Net loans and leases to deposits | 92.2646% | 1,487 |
| Net loans and leases to core deposits | 121.6083% | 644 |
| Total domestic deposits to total assets | 75.9209% | 6,714 |
| Equity capital to assets | 9.3180% | 4,978 |
| Core capital (leverage) ratio | 9.4869% | 3,840 |
| Tier 1 risk-based capital ratio | 12.7431% | 4,653 |
| Total risk-based capital ratio | 14.0032% | 4,612 |
| Memoranda: | ||
| Average total assets | $201,896,670 | 3,137 |
| Average earning assets | $189,016,670 | 3,079 |
| Average equity | $17,622,000 | 3,530 |
| Average total loans | $148,058,670 | 2,871 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7189% | 254 |
| Cost of funding earning assets | 2.0133% | 1,040 |
| Net interest margin | 4.7055% | 774 |
| Noninterest income to average assets | 0.7173% | 2,486 |
| Noninterest expense to average assets | 3.0050% | 3,667 |
| Loan and lease loss provision to assets | 0.6306% | 2,013 |
| Net operating income to assets | 1.4798% | 922 |
| Return on assets (ROA) | 1.4936% | 977 |
| Pretax return on assets | 1.4936% | 1,535 |
| Return on Equity (ROE) | 17.7010% | 543 |
| Retained earnings to average equity (ytd only) | 10.6953% | 990 |
| Net charge-offs to loans | 0.3932% | 2,863 |
| Credit loss provision to net charge-offs | 216.2162% | 1,733 |
| Earnings coverage of net charge-offs (x) | 7.2365% | 2,115 |
| Efficiency ratio | 58.7442% | 6,374 |
| Assets per employee ($millions) | 3.7936% | 4,331 |
| Cash dividends to net income (ytd only)* | 39.5778% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 2,245 |
| Loan loss allowance to noncurrent loans | 120.4824% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 4,388 |
| Noncurrent loans to loans | 1.6424% | 4,287 |
| Net loans and leases to total assets | 71.2583% | 2,630 |
| Net loans and leases to deposits | 92.5346% | 1,540 |
| Net loans and leases to core deposits | 100.0219% | 2,126 |
| Total domestic deposits to total assets | 77.0073% | 6,563 |
| Equity capital to assets | 8.5494% | 5,939 |
| Core capital (leverage) ratio | 9.1634% | 4,279 |
| Tier 1 risk-based capital ratio | 11.6322% | 5,547 |
| Total risk-based capital ratio | 12.8495% | 5,550 |
| Memoranda: | ||
| Average total assets | $202,995,000 | 3,179 |
| Average earning assets | $189,734,000 | 3,123 |
| Average equity | $17,129,000 | 3,632 |
| Average total loans | $150,573,000 | 2,888 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4203% | 146 |
| Cost of funding earning assets | 2.4114% | 1,264 |
| Net interest margin | 5.0088% | 443 |
| Noninterest income to average assets | 0.7596% | 2,622 |
| Noninterest expense to average assets | 2.8482% | 4,754 |
| Loan and lease loss provision to assets | 0.2929% | 5,082 |
| Net operating income to assets | 2.3250% | 113 |
| Return on assets (ROA) | 2.3531% | 118 |
| Pretax return on assets | 2.3531% | 200 |
| Return on Equity (ROE) | 30.4278% | 46 |
| Retained earnings to average equity (ytd only) | 14.8812% | 98 |
| Net charge-offs to loans | 0.2664% | 4,951 |
| Credit loss provision to net charge-offs | 142.6799% | 3,377 |
| Earnings coverage of net charge-offs (x) | 12.7519% | 1,480 |
| Efficiency ratio | 52.1062% | 7,375 |
| Assets per employee ($millions) | 3.7247% | 4,462 |
| Cash dividends to net income (ytd only)* | 51.0933% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8230% | 2,472 |
| Loan loss allowance to noncurrent loans | 139.7985% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 4,885 |
| Noncurrent loans to loans | 1.3040% | 4,745 |
| Net loans and leases to total assets | 74.3022% | 2,196 |
| Net loans and leases to deposits | 98.3793% | 1,060 |
| Net loans and leases to core deposits | 131.9609% | 1,177 |
| Total domestic deposits to total assets | 75.5263% | 6,772 |
| Equity capital to assets | 8.3248% | 6,159 |
| Core capital (leverage) ratio | 9.0927% | 4,272 |
| Tier 1 risk-based capital ratio | 11.1720% | 5,754 |
| Total risk-based capital ratio | 12.4274% | 5,701 |
| Memoranda: | ||
| Average total assets | $196,298,400 | 3,223 |
| Average earning assets | $184,454,200 | 3,161 |
| Average equity | $15,180,200 | 4,030 |
| Average total loans | $151,271,800 | 2,899 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4907% | 147 |
| Cost of funding earning assets | 2.4644% | 1,400 |
| Net interest margin | 5.0262% | 421 |
| Noninterest income to average assets | 0.7361% | 2,789 |
| Noninterest expense to average assets | 2.7481% | 5,115 |
| Loan and lease loss provision to assets | 0.2460% | 4,989 |
| Net operating income to assets | 2.4699% | 108 |
| Return on assets (ROA) | 2.4911% | 115 |
| Pretax return on assets | 2.4911% | 195 |
| Return on Equity (ROE) | 32.8609% | 44 |
| Retained earnings to average equity (ytd only) | 19.3379% | 75 |
| Net charge-offs to loans | 0.1774% | 4,979 |
| Credit loss provision to net charge-offs | 179.1045% | 2,566 |
| Earnings coverage of net charge-offs (x) | 19.7714% | 1,268 |
| Efficiency ratio | 50.2939% | 7,536 |
| Assets per employee ($millions) | 3.6959% | 4,435 |
| Cash dividends to net income (ytd only)* | 41.1523% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 2,239 |
| Loan loss allowance to noncurrent loans | 124.2465% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2346% | 4,589 |
| Noncurrent loans to loans | 1.4581% | 4,491 |
| Net loans and leases to total assets | 75.0080% | 2,245 |
| Net loans and leases to deposits | 101.6687% | 952 |
| Net loans and leases to core deposits | 138.4977% | 987 |
| Total domestic deposits to total assets | 73.7769% | 6,993 |
| Equity capital to assets | 8.4384% | 6,334 |
| Core capital (leverage) ratio | 9.1448% | 4,422 |
| Tier 1 risk-based capital ratio | 11.2190% | 5,726 |
| Total risk-based capital ratio | 12.4349% | 5,720 |
| Memoranda: | ||
| Average total assets | $195,089,500 | 3,253 |
| Average earning assets | $183,512,250 | 3,199 |
| Average equity | $14,789,250 | 4,133 |
| Average total loans | $151,034,250 | 2,932 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5120% | 152 |
| Cost of funding earning assets | 2.5912% | 1,309 |
| Net interest margin | 4.9208% | 515 |
| Noninterest income to average assets | 0.7728% | 2,569 |
| Noninterest expense to average assets | 2.6581% | 5,529 |
| Loan and lease loss provision to assets | 0.2479% | 4,596 |
| Net operating income to assets | 2.4928% | 111 |
| Return on assets (ROA) | 2.5011% | 123 |
| Pretax return on assets | 2.5011% | 215 |
| Return on Equity (ROE) | 34.3274% | 43 |
| Retained earnings to average equity (ytd only) | 20.1484% | 75 |
| Net charge-offs to loans | 0.1740% | 4,490 |
| Credit loss provision to net charge-offs | 183.2061% | 2,506 |
| Earnings coverage of net charge-offs (x) | 20.2519% | 1,320 |
| Efficiency ratio | 49.2346% | 7,708 |
| Assets per employee ($millions) | 3.6643% | 4,413 |
| Cash dividends to net income (ytd only)* | 41.3052% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 2,169 |
| Loan loss allowance to noncurrent loans | 90.0997% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.5651% | 3,881 |
| Noncurrent loans to loans | 1.9469% | 3,601 |
| Net loans and leases to total assets | 76.7639% | 1,999 |
| Net loans and leases to deposits | 104.7234% | 856 |
| Net loans and leases to core deposits | 139.1579% | 1,049 |
| Total domestic deposits to total assets | 73.3016% | 7,066 |
| Equity capital to assets | 7.5735% | 7,206 |
| Core capital (leverage) ratio | 8.9463% | 4,721 |
| Tier 1 risk-based capital ratio | 10.9366% | 5,944 |
| Total risk-based capital ratio | 12.1907% | 5,883 |
| Memoranda: | ||
| Average total assets | $193,594,000 | 3,299 |
| Average earning assets | $182,003,330 | 3,237 |
| Average equity | $14,105,330 | 4,284 |
| Average total loans | $150,559,000 | 2,975 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6200% | 145 |
| Cost of funding earning assets | 2.6289% | 1,486 |
| Net interest margin | 4.9911% | 406 |
| Noninterest income to average assets | 0.7020% | 2,881 |
| Noninterest expense to average assets | 2.6220% | 5,361 |
| Loan and lease loss provision to assets | 0.2507% | 3,966 |
| Net operating income to assets | 2.5217% | 129 |
| Return on assets (ROA) | 2.5217% | 155 |
| Pretax return on assets | 2.5217% | 247 |
| Return on Equity (ROE) | 35.3311% | 55 |
| Retained earnings to average equity (ytd only) | 20.6952% | 150 |
| Net charge-offs to loans | 0.0996% | 4,181 |
| Credit loss provision to net charge-offs | 324.3243% | 1,529 |
| Earnings coverage of net charge-offs (x) | 35.8649% | 928 |
| Efficiency ratio | 48.6057% | 7,693 |
| Assets per employee ($millions) | 3.6279% | 4,508 |
| Cash dividends to net income (ytd only)* | 41.4250% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 1,912 |
| Loan loss allowance to noncurrent loans | 129.8839% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 4,534 |
| Noncurrent loans to loans | 1.3671% | 4,270 |
| Net loans and leases to total assets | 75.8447% | 2,301 |
| Net loans and leases to deposits | 101.7789% | 1,202 |
| Net loans and leases to core deposits | 137.4909% | 1,223 |
| Total domestic deposits to total assets | 74.5190% | 6,802 |
| Equity capital to assets | 7.0600% | 7,652 |
| Core capital (leverage) ratio | 8.7299% | 5,094 |
| Tier 1 risk-based capital ratio | 10.6938% | 6,189 |
| Total risk-based capital ratio | 11.9494% | 6,099 |
| Memoranda: | ||
| Average total assets | $191,454,500 | 3,343 |
| Average earning assets | $179,999,500 | 3,277 |
| Average equity | $13,665,000 | 4,409 |
| Average total loans | $148,535,000 | 3,028 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1161% | 167 |
| Cost of funding earning assets | 3.1574% | 1,327 |
| Net interest margin | 4.9586% | 558 |
| Noninterest income to average assets | 0.8680% | 2,119 |
| Noninterest expense to average assets | 2.7133% | 5,208 |
| Loan and lease loss provision to assets | 0.3731% | 3,444 |
| Net operating income to assets | 2.4356% | 144 |
| Return on assets (ROA) | 2.4647% | 137 |
| Pretax return on assets | 2.4647% | 214 |
| Return on Equity (ROE) | 31.3569% | 48 |
| Retained earnings to average equity (ytd only) | 13.5075% | 144 |
| Net charge-offs to loans | 0.2542% | 3,732 |
| Credit loss provision to net charge-offs | 189.9441% | 2,602 |
| Earnings coverage of net charge-offs (x) | 14.2989% | 2,046 |
| Efficiency ratio | 49.1355% | 7,724 |
| Assets per employee ($millions) | 3.4630% | 4,771 |
| Cash dividends to net income (ytd only)* | 56.9234% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 1,664 |
| Loan loss allowance to noncurrent loans | 266.1554% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 5,528 |
| Noncurrent loans to loans | 0.6708% | 5,354 |
| Net loans and leases to total assets | 76.5746% | 2,484 |
| Net loans and leases to deposits | 102.7010% | 1,508 |
| Net loans and leases to core deposits | 140.0792% | 1,265 |
| Total domestic deposits to total assets | 74.5607% | 6,544 |
| Equity capital to assets | 7.2186% | 7,612 |
| Core capital (leverage) ratio | 8.4081% | 5,744 |
| Tier 1 risk-based capital ratio | 10.8191% | 5,888 |
| Total risk-based capital ratio | 12.0691% | 5,795 |
| Memoranda: | ||
| Average total assets | $182,252,600 | 3,387 |
| Average earning assets | $171,055,800 | 3,321 |
| Average equity | $14,325,400 | 4,263 |
| Average total loans | $140,836,400 | 3,081 |