Home > Wellington State Bank > Performance and Condition Ratios
Wellington State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 1,144 |
| Cost of funding earning assets | 1.7737% | 1,297 |
| Net interest margin | 3.7350% | 1,686 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.8329% | 1,420 |
| Loan and lease loss provision to assets | 0.7400% | 105 |
| Net operating income to assets | 0.2421% | 4,112 |
| Return on assets (ROA) | 0.2453% | 4,113 |
| Pretax return on assets | 0.2453% | 4,145 |
| Return on Equity (ROE) | 3.8900% | 3,903 |
| Retained earnings to average equity (ytd only) | -3.2966% | 4,340 |
| Net charge-offs to loans | 1.1383% | 84 |
| Credit loss provision to net charge-offs | 106.5001% | 1,781 |
| Earnings coverage of net charge-offs (x) | 1.4119% | 2,760 |
| Efficiency ratio | 73.9866% | 1,462 |
| Assets per employee ($millions) | 4.6250% | 3,872 |
| Cash dividends to net income (ytd only)* | 184.7716% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 1,578 |
| Loan loss allowance to noncurrent loans | 59.5443% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 279 |
| Noncurrent loans to loans | 2.2691% | 228 |
| Net loans and leases to total assets | 61.3700% | 2,725 |
| Net loans and leases to deposits | 70.9491% | 2,821 |
| Net loans and leases to core deposits | 78.5395% | 2,794 |
| Total domestic deposits to total assets | 86.5100% | 1,856 |
| Equity capital to assets | 6.4878% | 4,119 |
| Core capital (leverage) ratio | 9.3809% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9634% | 1,880 |
| Memoranda: | ||
| Average total assets | $562,066,600 | 1,576 |
| Average earning assets | $509,109,600 | 1,605 |
| Average equity | $35,460,400 | 2,041 |
| Average total loans | $344,638,200 | 1,630 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 1,198 |
| Cost of funding earning assets | 1.5241% | 1,545 |
| Net interest margin | 3.8355% | 1,527 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.7884% | 1,459 |
| Loan and lease loss provision to assets | 0.9200% | 70 |
| Net operating income to assets | 0.2118% | 4,218 |
| Return on assets (ROA) | 0.2149% | 4,232 |
| Pretax return on assets | 0.2149% | 4,243 |
| Return on Equity (ROE) | 3.4300% | 4,055 |
| Retained earnings to average equity (ytd only) | -5.8653% | 4,439 |
| Net charge-offs to loans | 1.5284% | 55 |
| Credit loss provision to net charge-offs | 98.3180% | 1,639 |
| Earnings coverage of net charge-offs (x) | 1.2100% | 2,544 |
| Efficiency ratio | 70.9662% | 1,683 |
| Assets per employee ($millions) | 4.6026% | 3,877 |
| Cash dividends to net income (ytd only)* | 270.9856% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,106 |
| Loan loss allowance to noncurrent loans | 53.1831% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.4938% | 250 |
| Noncurrent loans to loans | 2.3496% | 216 |
| Net loans and leases to total assets | 62.7800% | 2,583 |
| Net loans and leases to deposits | 75.1813% | 2,481 |
| Net loans and leases to core deposits | 82.7517% | 2,416 |
| Total domestic deposits to total assets | 83.5100% | 2,905 |
| Equity capital to assets | 5.4545% | 4,151 |
| Core capital (leverage) ratio | 9.7804% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1858% | 1,824 |
| Memoranda: | ||
| Average total assets | $560,363,250 | 1,580 |
| Average earning assets | $508,781,250 | 1,604 |
| Average equity | $35,098,500 | 2,044 |
| Average total loans | $342,315,000 | 1,632 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 1,248 |
| Cost of funding earning assets | 1.2053% | 1,972 |
| Net interest margin | 3.9683% | 1,300 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.7476% | 1,533 |
| Loan and lease loss provision to assets | 1.0600% | 62 |
| Net operating income to assets | 0.2243% | 4,251 |
| Return on assets (ROA) | 0.2261% | 4,273 |
| Pretax return on assets | 0.2261% | 4,292 |
| Return on Equity (ROE) | 3.4600% | 4,102 |
| Retained earnings to average equity (ytd only) | -9.7407% | 4,507 |
| Net charge-offs to loans | 2.3176% | 35 |
| Credit loss provision to net charge-offs | 76.0102% | 1,570 |
| Earnings coverage of net charge-offs (x) | 0.9207% | 2,392 |
| Efficiency ratio | 67.9270% | 1,993 |
| Assets per employee ($millions) | 4.3595% | 4,029 |
| Cash dividends to net income (ytd only)* | 381.5166% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,250 |
| Loan loss allowance to noncurrent loans | 48.3562% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 292 |
| Noncurrent loans to loans | 2.1489% | 244 |
| Net loans and leases to total assets | 60.7800% | 2,697 |
| Net loans and leases to deposits | 72.2551% | 2,629 |
| Net loans and leases to core deposits | 78.4419% | 2,580 |
| Total domestic deposits to total assets | 84.1200% | 2,796 |
| Equity capital to assets | 6.0407% | 4,135 |
| Core capital (leverage) ratio | 9.7540% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5930% | 1,700 |
| Memoranda: | ||
| Average total assets | $559,979,333 | 1,580 |
| Average earning assets | $507,924,000 | 1,608 |
| Average equity | $36,588,667 | 1,995 |
| Average total loans | $337,418,667 | 1,639 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 1,006 |
| Cost of funding earning assets | 0.8899% | 2,401 |
| Net interest margin | 4.2685% | 857 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.8770% | 1,283 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.3522% | 1,541 |
| Return on assets (ROA) | 1.3558% | 1,493 |
| Pretax return on assets | 1.3558% | 2,001 |
| Return on Equity (ROE) | 19.9900% | 768 |
| Retained earnings to average equity (ytd only) | -1.4460% | 4,162 |
| Net charge-offs to loans | 0.0324% | 1,066 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 74.9630% | 922 |
| Efficiency ratio | 66.3247% | 2,174 |
| Assets per employee ($millions) | 4.5260% | 4,009 |
| Cash dividends to net income (ytd only)* | 107.2334% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 1,771 |
| Loan loss allowance to noncurrent loans | 455.3045% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 2,242 |
| Noncurrent loans to loans | 0.2993% | 2,073 |
| Net loans and leases to total assets | 59.7800% | 2,682 |
| Net loans and leases to deposits | 66.7377% | 2,869 |
| Net loans and leases to core deposits | 71.7996% | 2,835 |
| Total domestic deposits to total assets | 89.5700% | 1,309 |
| Equity capital to assets | 6.7972% | 3,915 |
| Core capital (leverage) ratio | 10.1354% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8136% | 1,677 |
| Memoranda: | ||
| Average total assets | $558,783,500 | 1,601 |
| Average earning assets | $506,593,000 | 1,633 |
| Average equity | $37,897,500 | 1,969 |
| Average total loans | $333,434,000 | 1,671 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3007% | 1,045 |
| Cost of funding earning assets | 0.3005% | 2,872 |
| Net interest margin | 4.0002% | 786 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.7190% | 1,513 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2414% | 1,621 |
| Return on assets (ROA) | 1.1073% | 2,076 |
| Pretax return on assets | 1.1073% | 2,751 |
| Return on Equity (ROE) | 14.8700% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.1504% | 643 |
| Net charge-offs to loans | -0.0214% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5992% | 2,008 |
| Assets per employee ($millions) | 4.4155% | 4,085 |
| Cash dividends to net income (ytd only)* | 18.2984% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,080 |
| Loan loss allowance to noncurrent loans | 445.1996% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 2,377 |
| Noncurrent loans to loans | 0.2837% | 2,133 |
| Net loans and leases to total assets | 57.9900% | 2,824 |
| Net loans and leases to deposits | 64.3455% | 3,012 |
| Net loans and leases to core deposits | 69.0272% | 2,943 |
| Total domestic deposits to total assets | 90.1200% | 1,307 |
| Equity capital to assets | 6.7670% | 3,781 |
| Core capital (leverage) ratio | 10.3447% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4412% | 1,495 |
| Memoranda: | ||
| Average total assets | $556,224,000 | 1,593 |
| Average earning assets | $502,897,600 | 1,617 |
| Average equity | $41,414,400 | 1,874 |
| Average total loans | $312,426,800 | 1,666 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 1,038 |
| Cost of funding earning assets | 0.2139% | 3,104 |
| Net interest margin | 3.9024% | 805 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.6439% | 1,612 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2475% | 1,530 |
| Return on assets (ROA) | 1.2509% | 1,491 |
| Pretax return on assets | 1.2509% | 2,205 |
| Return on Equity (ROE) | 16.4300% | 903 |
| Retained earnings to average equity (ytd only) | 13.0856% | 594 |
| Net charge-offs to loans | -0.0276% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.1594% | 2,139 |
| Assets per employee ($millions) | 4.3582% | 4,147 |
| Cash dividends to net income (ytd only)* | 20.3335% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,150 |
| Loan loss allowance to noncurrent loans | 276.0388% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 1,902 |
| Noncurrent loans to loans | 0.4617% | 1,647 |
| Net loans and leases to total assets | 56.2200% | 2,885 |
| Net loans and leases to deposits | 60.9585% | 3,114 |
| Net loans and leases to core deposits | 65.1972% | 3,008 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 6.3984% | 3,793 |
| Core capital (leverage) ratio | 10.1833% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5446% | 1,552 |
| Memoranda: | ||
| Average total assets | $556,193,250 | 1,605 |
| Average earning assets | $502,990,750 | 1,634 |
| Average equity | $42,356,000 | 1,873 |
| Average total loans | $308,848,000 | 1,675 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 1,035 |
| Cost of funding earning assets | 0.1877% | 3,079 |
| Net interest margin | 3.7578% | 825 |
| Noninterest income to average assets | 0.3903% | 2,816 |
| Noninterest expense to average assets | 2.5559% | 1,763 |
| Loan and lease loss provision to assets | 0.0322% | 2,008 |
| Net operating income to assets | 1.1935% | 1,450 |
| Return on assets (ROA) | 1.1963% | 1,423 |
| Pretax return on assets | 1.1963% | 2,088 |
| Return on Equity (ROE) | 14.9276% | 909 |
| Retained earnings to average equity (ytd only) | 10.3926% | 927 |
| Net charge-offs to loans | -0.0475% | 4,219 |
| Credit loss provision to net charge-offs | -123.2877% | 3,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3610% | 2,329 |
| Assets per employee ($millions) | 4.6105% | 3,997 |
| Cash dividends to net income (ytd only)* | 30.3801% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,309 |
| Loan loss allowance to noncurrent loans | 356.9620% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,330 |
| Noncurrent loans to loans | 0.3569% | 2,076 |
| Net loans and leases to total assets | 55.2995% | 2,823 |
| Net loans and leases to deposits | 59.9556% | 3,051 |
| Net loans and leases to core deposits | 65.2444% | 2,878 |
| Total domestic deposits to total assets | 92.2341% | 746 |
| Equity capital to assets | 6.4843% | 4,027 |
| Core capital (leverage) ratio | 9.8259% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0628% | 2,037 |
| Memoranda: | ||
| Average total assets | $558,544,667 | 1,600 |
| Average earning assets | $504,076,667 | 1,647 |
| Average equity | $44,762,667 | 1,839 |
| Average total loans | $307,555,333 | 1,681 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6256% | 1,434 |
| Cost of funding earning assets | 0.1761% | 3,143 |
| Net interest margin | 3.4496% | 1,188 |
| Noninterest income to average assets | 0.3849% | 2,784 |
| Noninterest expense to average assets | 2.4819% | 1,924 |
| Loan and lease loss provision to assets | 0.0321% | 1,788 |
| Net operating income to assets | 0.9708% | 1,995 |
| Return on assets (ROA) | 0.9737% | 1,982 |
| Pretax return on assets | 0.9737% | 2,523 |
| Return on Equity (ROE) | 11.1042% | 1,584 |
| Retained earnings to average equity (ytd only) | 3.1378% | 3,214 |
| Net charge-offs to loans | 0.0574% | 734 |
| Credit loss provision to net charge-offs | 102.2727% | 1,001 |
| Earnings coverage of net charge-offs (x) | 31.9773% | 1,103 |
| Efficiency ratio | 70.9552% | 2,108 |
| Assets per employee ($millions) | 4.4786% | 4,150 |
| Cash dividends to net income (ytd only)* | 71.7423% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,544 |
| Loan loss allowance to noncurrent loans | 307.9740% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 2,325 |
| Noncurrent loans to loans | 0.4093% | 2,024 |
| Net loans and leases to total assets | 52.9660% | 2,881 |
| Net loans and leases to deposits | 58.2976% | 3,049 |
| Net loans and leases to core deposits | 63.5646% | 2,829 |
| Total domestic deposits to total assets | 90.8545% | 1,105 |
| Equity capital to assets | 7.9519% | 3,607 |
| Core capital (leverage) ratio | 9.2427% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3743% | 2,046 |
| Memoranda: | ||
| Average total assets | $561,186,000 | 1,599 |
| Average earning assets | $504,296,000 | 1,659 |
| Average equity | $49,206,500 | 1,756 |
| Average total loans | $306,383,500 | 1,679 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 2,126 |
| Cost of funding earning assets | 0.2144% | 3,323 |
| Net interest margin | 3.4817% | 1,795 |
| Noninterest income to average assets | 0.4109% | 2,992 |
| Noninterest expense to average assets | 2.8417% | 1,268 |
| Loan and lease loss provision to assets | 0.0267% | 2,526 |
| Net operating income to assets | 0.6880% | 3,658 |
| Return on assets (ROA) | 0.7213% | 3,630 |
| Pretax return on assets | 0.7213% | 3,885 |
| Return on Equity (ROE) | 6.9713% | 3,522 |
| Retained earnings to average equity (ytd only) | 4.5846% | 2,974 |
| Net charge-offs to loans | -0.0253% | 4,067 |
| Credit loss provision to net charge-offs | -189.0411% | 3,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2392% | 857 |
| Assets per employee ($millions) | 4.6879% | 3,975 |
| Cash dividends to net income (ytd only)* | 34.2367% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,830 |
| Loan loss allowance to noncurrent loans | 338.7645% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 2,570 |
| Noncurrent loans to loans | 0.3575% | 2,304 |
| Net loans and leases to total assets | 54.8721% | 2,743 |
| Net loans and leases to deposits | 61.5011% | 2,937 |
| Net loans and leases to core deposits | 67.3245% | 2,711 |
| Total domestic deposits to total assets | 89.2213% | 1,402 |
| Equity capital to assets | 9.5807% | 3,062 |
| Core capital (leverage) ratio | 9.6219% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4830% | 2,458 |
| Memoranda: | ||
| Average total assets | $516,703,400 | 1,658 |
| Average earning assets | $466,808,600 | 1,698 |
| Average equity | $53,461,800 | 1,667 |
| Average total loans | $288,086,800 | 1,750 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 2,235 |
| Cost of funding earning assets | 0.2292% | 3,335 |
| Net interest margin | 3.4858% | 1,908 |
| Noninterest income to average assets | 0.4233% | 2,960 |
| Noninterest expense to average assets | 2.9192% | 1,093 |
| Loan and lease loss provision to assets | 0.0364% | 2,263 |
| Net operating income to assets | 0.6180% | 3,974 |
| Return on assets (ROA) | 0.6418% | 3,978 |
| Pretax return on assets | 0.6418% | 4,173 |
| Return on Equity (ROE) | 6.0776% | 3,888 |
| Retained earnings to average equity (ytd only) | 3.1512% | 3,851 |
| Net charge-offs to loans | -0.0284% | 4,109 |
| Credit loss provision to net charge-offs | -230.0000% | 3,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0072% | 698 |
| Assets per employee ($millions) | 4.1813% | 4,341 |
| Cash dividends to net income (ytd only)* | 48.1497% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,786 |
| Loan loss allowance to noncurrent loans | 335.7970% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 2,686 |
| Noncurrent loans to loans | 0.3697% | 2,457 |
| Net loans and leases to total assets | 58.3243% | 2,445 |
| Net loans and leases to deposits | 66.2627% | 2,607 |
| Net loans and leases to core deposits | 72.9445% | 2,322 |
| Total domestic deposits to total assets | 88.0198% | 1,831 |
| Equity capital to assets | 10.5731% | 2,399 |
| Core capital (leverage) ratio | 10.0019% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2191% | 2,641 |
| Memoranda: | ||
| Average total assets | $505,243,000 | 1,704 |
| Average earning assets | $456,620,000 | 1,739 |
| Average equity | $53,353,250 | 1,693 |
| Average total loans | $281,992,500 | 1,816 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 2,407 |
| Cost of funding earning assets | 0.2365% | 3,418 |
| Net interest margin | 3.4387% | 2,038 |
| Noninterest income to average assets | 0.4233% | 2,989 |
| Noninterest expense to average assets | 2.9341% | 1,094 |
| Loan and lease loss provision to assets | 0.0550% | 1,935 |
| Net operating income to assets | 0.5436% | 4,126 |
| Return on assets (ROA) | 0.5786% | 4,078 |
| Pretax return on assets | 0.5786% | 4,272 |
| Return on Equity (ROE) | 5.4818% | 4,037 |
| Retained earnings to average equity (ytd only) | 1.1771% | 4,301 |
| Net charge-offs to loans | -0.0393% | 4,266 |
| Credit loss provision to net charge-offs | -255.5556% | 3,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3582% | 649 |
| Assets per employee ($millions) | 4.3987% | 4,187 |
| Cash dividends to net income (ytd only)* | 78.5272% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 2,099 |
| Loan loss allowance to noncurrent loans | 324.2894% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,768 |
| Noncurrent loans to loans | 0.4231% | 2,417 |
| Net loans and leases to total assets | 53.9698% | 3,133 |
| Net loans and leases to deposits | 61.2756% | 3,274 |
| Net loans and leases to core deposits | 67.8617% | 2,972 |
| Total domestic deposits to total assets | 88.0770% | 1,780 |
| Equity capital to assets | 10.5517% | 2,352 |
| Core capital (leverage) ratio | 9.7474% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5399% | 2,150 |
| Memoranda: | ||
| Average total assets | $502,225,000 | 1,706 |
| Average earning assets | $454,119,333 | 1,747 |
| Average equity | $53,012,000 | 1,694 |
| Average total loans | $274,746,333 | 1,859 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 2,500 |
| Cost of funding earning assets | 0.2488% | 3,483 |
| Net interest margin | 3.4002% | 2,110 |
| Noninterest income to average assets | 0.4099% | 3,039 |
| Noninterest expense to average assets | 2.9072% | 1,141 |
| Loan and lease loss provision to assets | 0.0915% | 1,456 |
| Net operating income to assets | 0.4894% | 4,194 |
| Return on assets (ROA) | 0.4934% | 4,227 |
| Pretax return on assets | 0.4934% | 4,363 |
| Return on Equity (ROE) | 4.6738% | 4,156 |
| Retained earnings to average equity (ytd only) | -1.8846% | 4,531 |
| Net charge-offs to loans | 0.0902% | 743 |
| Credit loss provision to net charge-offs | 185.4839% | 912 |
| Earnings coverage of net charge-offs (x) | 11.7742% | 1,439 |
| Efficiency ratio | 82.5918% | 670 |
| Assets per employee ($millions) | 4.0455% | 4,447 |
| Cash dividends to net income (ytd only)* | 140.3226% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,103 |
| Loan loss allowance to noncurrent loans | 256.2544% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 2,753 |
| Noncurrent loans to loans | 0.5348% | 2,248 |
| Net loans and leases to total assets | 51.6056% | 3,484 |
| Net loans and leases to deposits | 58.3712% | 3,611 |
| Net loans and leases to core deposits | 64.4685% | 3,372 |
| Total domestic deposits to total assets | 88.4094% | 1,653 |
| Equity capital to assets | 10.2976% | 2,435 |
| Core capital (leverage) ratio | 9.7975% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8044% | 2,372 |
| Memoranda: | ||
| Average total assets | $502,611,000 | 1,685 |
| Average earning assets | $455,034,500 | 1,727 |
| Average equity | $53,062,000 | 1,680 |
| Average total loans | $274,920,500 | 1,857 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 1,536 |
| Cost of funding earning assets | 0.4105% | 3,517 |
| Net interest margin | 4.0057% | 963 |
| Noninterest income to average assets | 0.4241% | 2,999 |
| Noninterest expense to average assets | 3.0749% | 1,282 |
| Loan and lease loss provision to assets | 0.2725% | 1,414 |
| Net operating income to assets | 0.6425% | 3,618 |
| Return on assets (ROA) | 0.6687% | 3,658 |
| Pretax return on assets | 0.6687% | 3,949 |
| Return on Equity (ROE) | 5.8750% | 3,624 |
| Retained earnings to average equity (ytd only) | 2.5105% | 3,597 |
| Net charge-offs to loans | 0.1798% | 933 |
| Credit loss provision to net charge-offs | 250.2982% | 1,938 |
| Earnings coverage of net charge-offs (x) | 8.4036% | 2,605 |
| Efficiency ratio | 76.2370% | 1,197 |
| Assets per employee ($millions) | 4.0285% | 4,354 |
| Cash dividends to net income (ytd only)* | 57.2677% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,665 |
| Loan loss allowance to noncurrent loans | 226.4259% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 2,729 |
| Noncurrent loans to loans | 0.5532% | 2,325 |
| Net loans and leases to total assets | 56.3883% | 3,259 |
| Net loans and leases to deposits | 64.1337% | 3,429 |
| Net loans and leases to core deposits | 70.6591% | 3,213 |
| Total domestic deposits to total assets | 87.9230% | 1,512 |
| Equity capital to assets | 10.8202% | 2,414 |
| Core capital (leverage) ratio | 10.2765% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6562% | 2,384 |
| Memoranda: | ||
| Average total assets | $461,971,400 | 1,662 |
| Average earning assets | $411,241,800 | 1,732 |
| Average equity | $52,578,600 | 1,612 |
| Average total loans | $279,724,600 | 1,775 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,435 |
| Cost of funding earning assets | 0.4445% | 3,553 |
| Net interest margin | 4.1121% | 880 |
| Noninterest income to average assets | 0.4398% | 2,891 |
| Noninterest expense to average assets | 3.2256% | 1,029 |
| Loan and lease loss provision to assets | 0.3252% | 1,201 |
| Net operating income to assets | 0.5332% | 3,952 |
| Return on assets (ROA) | 0.5497% | 4,001 |
| Pretax return on assets | 0.5497% | 4,192 |
| Return on Equity (ROE) | 4.7652% | 3,953 |
| Retained earnings to average equity (ytd only) | 0.3882% | 4,407 |
| Net charge-offs to loans | 0.1854% | 804 |
| Credit loss provision to net charge-offs | 285.2713% | 1,808 |
| Earnings coverage of net charge-offs (x) | 7.5297% | 2,571 |
| Efficiency ratio | 78.1577% | 1,020 |
| Assets per employee ($millions) | 3.6419% | 4,588 |
| Cash dividends to net income (ytd only)* | 91.8542% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,666 |
| Loan loss allowance to noncurrent loans | 74.6830% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0312% | 1,062 |
| Noncurrent loans to loans | 1.6062% | 878 |
| Net loans and leases to total assets | 63.4307% | 2,833 |
| Net loans and leases to deposits | 72.9568% | 3,038 |
| Net loans and leases to core deposits | 79.1705% | 2,912 |
| Total domestic deposits to total assets | 86.9428% | 1,686 |
| Equity capital to assets | 11.5448% | 1,974 |
| Core capital (leverage) ratio | 10.5282% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5862% | 2,372 |
| Memoranda: | ||
| Average total assets | $452,582,000 | 1,670 |
| Average earning assets | $401,082,500 | 1,740 |
| Average equity | $52,210,750 | 1,613 |
| Average total loans | $278,343,500 | 1,769 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,468 |
| Cost of funding earning assets | 0.4869% | 3,610 |
| Net interest margin | 4.1864% | 955 |
| Noninterest income to average assets | 0.4267% | 2,926 |
| Noninterest expense to average assets | 3.1908% | 1,181 |
| Loan and lease loss provision to assets | 0.3720% | 1,126 |
| Net operating income to assets | 0.5629% | 3,854 |
| Return on assets (ROA) | 0.5727% | 3,901 |
| Pretax return on assets | 0.5727% | 4,112 |
| Return on Equity (ROE) | 4.9658% | 3,837 |
| Retained earnings to average equity (ytd only) | -1.5128% | 4,541 |
| Net charge-offs to loans | 0.2902% | 547 |
| Credit loss provision to net charge-offs | 211.6162% | 1,865 |
| Earnings coverage of net charge-offs (x) | 5.3182% | 2,520 |
| Efficiency ratio | 76.5307% | 1,218 |
| Assets per employee ($millions) | 3.4662% | 4,681 |
| Cash dividends to net income (ytd only)* | 130.4651% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 2,676 |
| Loan loss allowance to noncurrent loans | 93.3562% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0462% | 1,124 |
| Noncurrent loans to loans | 1.2522% | 1,247 |
| Net loans and leases to total assets | 59.7823% | 3,352 |
| Net loans and leases to deposits | 68.5719% | 3,517 |
| Net loans and leases to core deposits | 74.3695% | 3,430 |
| Total domestic deposits to total assets | 87.1819% | 1,552 |
| Equity capital to assets | 11.4066% | 2,032 |
| Core capital (leverage) ratio | 10.4615% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8006% | 2,269 |
| Memoranda: | ||
| Average total assets | $450,484,667 | 1,655 |
| Average earning assets | $398,051,333 | 1,718 |
| Average equity | $51,955,667 | 1,610 |
| Average total loans | $272,924,333 | 1,776 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 1,760 |
| Cost of funding earning assets | 0.5440% | 3,724 |
| Net interest margin | 4.1396% | 1,056 |
| Noninterest income to average assets | 0.5049% | 2,527 |
| Noninterest expense to average assets | 3.2352% | 1,350 |
| Loan and lease loss provision to assets | 0.2093% | 1,462 |
| Net operating income to assets | 0.6972% | 3,282 |
| Return on assets (ROA) | 0.7107% | 3,317 |
| Pretax return on assets | 0.7107% | 3,650 |
| Return on Equity (ROE) | 6.1269% | 3,272 |
| Retained earnings to average equity (ytd only) | -2.7033% | 4,325 |
| Net charge-offs to loans | 0.0296% | 1,787 |
| Credit loss provision to net charge-offs | 1,165.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 50.4500% | 892 |
| Efficiency ratio | 77.3102% | 1,422 |
| Assets per employee ($millions) | 3.3523% | 4,596 |
| Cash dividends to net income (ytd only)* | 144.1214% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,946 |
| Loan loss allowance to noncurrent loans | 70.8606% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 1,374 |
| Noncurrent loans to loans | 1.6201% | 953 |
| Net loans and leases to total assets | 58.9607% | 3,598 |
| Net loans and leases to deposits | 67.9411% | 3,733 |
| Net loans and leases to core deposits | 73.8791% | 3,642 |
| Total domestic deposits to total assets | 86.7821% | 1,654 |
| Equity capital to assets | 11.7944% | 2,214 |
| Core capital (leverage) ratio | 10.7598% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8477% | 1,958 |
| Memoranda: | ||
| Average total assets | $445,224,000 | 1,629 |
| Average earning assets | $391,152,000 | 1,698 |
| Average equity | $51,641,000 | 1,611 |
| Average total loans | $269,956,500 | 1,758 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 1,903 |
| Cost of funding earning assets | 0.5096% | 4,045 |
| Net interest margin | 4.3382% | 1,004 |
| Noninterest income to average assets | 0.5185% | 2,635 |
| Noninterest expense to average assets | 3.2719% | 1,357 |
| Loan and lease loss provision to assets | 0.1128% | 1,860 |
| Net operating income to assets | 0.9594% | 2,984 |
| Return on assets (ROA) | 0.9639% | 3,056 |
| Pretax return on assets | 0.9639% | 3,563 |
| Return on Equity (ROE) | 8.0414% | 3,146 |
| Retained earnings to average equity (ytd only) | -5.6615% | 4,998 |
| Net charge-offs to loans | 0.1914% | 1,058 |
| Credit loss provision to net charge-offs | 102.0179% | 2,431 |
| Earnings coverage of net charge-offs (x) | 9.6996% | 2,637 |
| Efficiency ratio | 74.6848% | 1,529 |
| Assets per employee ($millions) | 3.2937% | 4,646 |
| Cash dividends to net income (ytd only)* | 170.4037% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,380 |
| Loan loss allowance to noncurrent loans | 367.7546% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,797 |
| Noncurrent loans to loans | 0.2776% | 3,449 |
| Net loans and leases to total assets | 60.9814% | 3,504 |
| Net loans and leases to deposits | 69.9001% | 3,682 |
| Net loans and leases to core deposits | 75.3295% | 3,620 |
| Total domestic deposits to total assets | 87.2408% | 1,492 |
| Equity capital to assets | 11.4057% | 2,616 |
| Core capital (leverage) ratio | 10.8669% | 2,624 |
| Tier 1 risk-based capital ratio | 13.5015% | 3,525 |
| Total risk-based capital ratio | 14.3026% | 3,644 |
| Memoranda: | ||
| Average total assets | $403,466,400 | 1,732 |
| Average earning assets | $355,790,800 | 1,795 |
| Average equity | $48,362,000 | 1,649 |
| Average total loans | $233,009,200 | 1,938 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 1,848 |
| Cost of funding earning assets | 0.4889% | 4,185 |
| Net interest margin | 4.4007% | 943 |
| Noninterest income to average assets | 0.5322% | 2,551 |
| Noninterest expense to average assets | 3.2919% | 1,288 |
| Loan and lease loss provision to assets | 0.1393% | 1,388 |
| Net operating income to assets | 0.9855% | 3,033 |
| Return on assets (ROA) | 0.9892% | 3,095 |
| Pretax return on assets | 0.9892% | 3,627 |
| Return on Equity (ROE) | 8.1402% | 3,243 |
| Retained earnings to average equity (ytd only) | 2.9334% | 3,920 |
| Net charge-offs to loans | 0.2070% | 848 |
| Credit loss provision to net charge-offs | 118.8406% | 1,968 |
| Earnings coverage of net charge-offs (x) | 9.5942% | 2,564 |
| Efficiency ratio | 73.8940% | 1,583 |
| Assets per employee ($millions) | 3.5415% | 4,457 |
| Cash dividends to net income (ytd only)* | 63.9641% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,407 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,318 |
| Noncurrent loans to loans | 0.5024% | 2,788 |
| Net loans and leases to total assets | 60.2591% | 3,656 |
| Net loans and leases to deposits | 70.4962% | 3,738 |
| Net loans and leases to core deposits | 75.4482% | 3,730 |
| Total domestic deposits to total assets | 85.4785% | 2,224 |
| Equity capital to assets | 12.8195% | 1,721 |
| Core capital (leverage) ratio | 12.2700% | 1,694 |
| Tier 1 risk-based capital ratio | 15.7336% | 2,539 |
| Total risk-based capital ratio | 16.7069% | 2,590 |
| Memoranda: | ||
| Average total assets | $392,347,250 | 1,778 |
| Average earning assets | $346,328,000 | 1,842 |
| Average equity | $47,679,750 | 1,674 |
| Average total loans | $222,266,750 | 2,025 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8097% | 2,032 |
| Cost of funding earning assets | 0.4580% | 4,295 |
| Net interest margin | 4.3516% | 1,039 |
| Noninterest income to average assets | 0.5486% | 2,392 |
| Noninterest expense to average assets | 3.3149% | 1,257 |
| Loan and lease loss provision to assets | 0.1374% | 1,347 |
| Net operating income to assets | 0.9355% | 3,149 |
| Return on assets (ROA) | 0.9390% | 3,201 |
| Pretax return on assets | 0.9390% | 3,748 |
| Return on Equity (ROE) | 7.8678% | 3,343 |
| Retained earnings to average equity (ytd only) | 0.1997% | 4,639 |
| Net charge-offs to loans | 0.3204% | 532 |
| Credit loss provision to net charge-offs | 77.6504% | 2,251 |
| Earnings coverage of net charge-offs (x) | 6.0630% | 2,600 |
| Efficiency ratio | 74.9133% | 1,525 |
| Assets per employee ($millions) | 3.5005% | 4,497 |
| Cash dividends to net income (ytd only)* | 97.4622% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,127 |
| Loan loss allowance to noncurrent loans | 232.3404% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 3,322 |
| Noncurrent loans to loans | 0.5478% | 2,625 |
| Net loans and leases to total assets | 54.9961% | 4,142 |
| Net loans and leases to deposits | 64.0487% | 4,224 |
| Net loans and leases to core deposits | 68.5138% | 4,185 |
| Total domestic deposits to total assets | 85.8660% | 2,104 |
| Equity capital to assets | 12.5365% | 1,833 |
| Core capital (leverage) ratio | 11.8302% | 1,928 |
| Tier 1 risk-based capital ratio | 15.7995% | 2,502 |
| Total risk-based capital ratio | 16.7494% | 2,555 |
| Memoranda: | ||
| Average total assets | $394,456,330 | 1,783 |
| Average earning assets | $348,006,330 | 1,845 |
| Average equity | $47,077,670 | 1,682 |
| Average total loans | $217,860,670 | 2,060 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 1,911 |
| Cost of funding earning assets | 0.4227% | 4,391 |
| Net interest margin | 4.3736% | 958 |
| Noninterest income to average assets | 0.4790% | 2,685 |
| Noninterest expense to average assets | 3.2629% | 1,361 |
| Loan and lease loss provision to assets | 0.1353% | 1,279 |
| Net operating income to assets | 0.9480% | 3,056 |
| Return on assets (ROA) | 0.9470% | 3,105 |
| Pretax return on assets | 0.9470% | 3,624 |
| Return on Equity (ROE) | 8.1324% | 3,204 |
| Retained earnings to average equity (ytd only) | -0.0344% | 4,536 |
| Net charge-offs to loans | 0.6322% | 236 |
| Credit loss provision to net charge-offs | 38.9049% | 2,038 |
| Earnings coverage of net charge-offs (x) | 3.1153% | 2,430 |
| Efficiency ratio | 74.4524% | 1,688 |
| Assets per employee ($millions) | 3.8152% | 4,167 |
| Cash dividends to net income (ytd only)* | 100.4233% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,371 |
| Loan loss allowance to noncurrent loans | 546.3158% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 4,219 |
| Noncurrent loans to loans | 0.2274% | 3,765 |
| Net loans and leases to total assets | 51.5031% | 4,377 |
| Net loans and leases to deposits | 59.2813% | 4,453 |
| Net loans and leases to core deposits | 63.0537% | 4,426 |
| Total domestic deposits to total assets | 86.8792% | 1,873 |
| Equity capital to assets | 11.7169% | 2,217 |
| Core capital (leverage) ratio | 11.4117% | 2,203 |
| Tier 1 risk-based capital ratio | 16.3049% | 2,335 |
| Total risk-based capital ratio | 17.2383% | 2,391 |
| Memoranda: | ||
| Average total assets | $399,159,000 | 1,772 |
| Average earning assets | $352,939,000 | 1,831 |
| Average equity | $46,480,500 | 1,686 |
| Average total loans | $219,544,500 | 2,066 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 1,870 |
| Cost of funding earning assets | 0.2833% | 4,646 |
| Net interest margin | 4.4035% | 930 |
| Noninterest income to average assets | 0.5528% | 2,533 |
| Noninterest expense to average assets | 3.3365% | 1,246 |
| Loan and lease loss provision to assets | 0.0939% | 2,271 |
| Net operating income to assets | 1.0292% | 2,891 |
| Return on assets (ROA) | 1.0068% | 2,965 |
| Pretax return on assets | 1.0068% | 3,572 |
| Return on Equity (ROE) | 8.7599% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.3106% | 3,176 |
| Net charge-offs to loans | 0.1167% | 1,584 |
| Credit loss provision to net charge-offs | 142.0233% | 1,910 |
| Earnings coverage of net charge-offs (x) | 16.9883% | 2,217 |
| Efficiency ratio | 73.6921% | 1,665 |
| Assets per employee ($millions) | 3.7521% | 4,246 |
| Cash dividends to net income (ytd only)* | 50.7920% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,469 |
| Loan loss allowance to noncurrent loans | 200.6433% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 3,141 |
| Noncurrent loans to loans | 0.6078% | 2,456 |
| Net loans and leases to total assets | 57.1674% | 4,032 |
| Net loans and leases to deposits | 65.7005% | 4,140 |
| Net loans and leases to core deposits | 69.7397% | 4,129 |
| Total domestic deposits to total assets | 87.0121% | 1,778 |
| Equity capital to assets | 11.5718% | 2,199 |
| Core capital (leverage) ratio | 11.5585% | 2,054 |
| Tier 1 risk-based capital ratio | 15.5306% | 2,601 |
| Total risk-based capital ratio | 16.4928% | 2,660 |
| Memoranda: | ||
| Average total assets | $388,765,400 | 1,766 |
| Average earning assets | $344,904,600 | 1,833 |
| Average equity | $44,680,800 | 1,670 |
| Average total loans | $220,278,600 | 2,023 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 2,068 |
| Cost of funding earning assets | 0.2519% | 4,774 |
| Net interest margin | 4.3201% | 1,074 |
| Noninterest income to average assets | 0.5764% | 2,440 |
| Noninterest expense to average assets | 3.2549% | 1,398 |
| Loan and lease loss provision to assets | 0.0942% | 2,094 |
| Net operating income to assets | 1.0673% | 2,800 |
| Return on assets (ROA) | 1.0341% | 2,957 |
| Pretax return on assets | 1.0341% | 3,624 |
| Return on Equity (ROE) | 9.0139% | 3,077 |
| Retained earnings to average equity (ytd only) | 3.6411% | 3,943 |
| Net charge-offs to loans | 0.0673% | 1,875 |
| Credit loss provision to net charge-offs | 248.1818% | 1,187 |
| Earnings coverage of net charge-offs (x) | 30.6097% | 1,585 |
| Efficiency ratio | 72.5611% | 1,801 |
| Assets per employee ($millions) | 3.5163% | 4,541 |
| Cash dividends to net income (ytd only)* | 59.6065% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,316 |
| Loan loss allowance to noncurrent loans | 142.4378% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 2,644 |
| Noncurrent loans to loans | 0.8835% | 1,932 |
| Net loans and leases to total assets | 58.6078% | 3,980 |
| Net loans and leases to deposits | 67.3336% | 4,102 |
| Net loans and leases to core deposits | 71.4653% | 4,110 |
| Total domestic deposits to total assets | 87.0409% | 1,709 |
| Equity capital to assets | 11.5703% | 2,211 |
| Core capital (leverage) ratio | 11.7672% | 1,941 |
| Tier 1 risk-based capital ratio | 15.3536% | 2,718 |
| Total risk-based capital ratio | 16.3405% | 2,765 |
| Memoranda: | ||
| Average total assets | $386,525,500 | 1,781 |
| Average earning assets | $343,561,500 | 1,842 |
| Average equity | $44,345,000 | 1,684 |
| Average total loans | $217,804,250 | 2,052 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,321 |
| Cost of funding earning assets | 0.2095% | 4,984 |
| Net interest margin | 4.2207% | 1,234 |
| Noninterest income to average assets | 0.5098% | 2,807 |
| Noninterest expense to average assets | 3.1666% | 1,618 |
| Loan and lease loss provision to assets | 0.0934% | 2,053 |
| Net operating income to assets | 1.0124% | 2,965 |
| Return on assets (ROA) | 0.9845% | 3,093 |
| Pretax return on assets | 0.9845% | 3,712 |
| Return on Equity (ROE) | 8.6053% | 3,208 |
| Retained earnings to average equity (ytd only) | 0.8163% | 4,801 |
| Net charge-offs to loans | 0.0764% | 1,562 |
| Credit loss provision to net charge-offs | 220.7317% | 1,222 |
| Earnings coverage of net charge-offs (x) | 26.1341% | 1,612 |
| Efficiency ratio | 72.9469% | 1,855 |
| Assets per employee ($millions) | 3.5029% | 4,591 |
| Cash dividends to net income (ytd only)* | 90.5136% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 2,059 |
| Loan loss allowance to noncurrent loans | 145.9333% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 2,724 |
| Noncurrent loans to loans | 0.9074% | 1,907 |
| Net loans and leases to total assets | 55.1320% | 4,232 |
| Net loans and leases to deposits | 63.5364% | 4,314 |
| Net loans and leases to core deposits | 67.3899% | 4,287 |
| Total domestic deposits to total assets | 86.7723% | 1,939 |
| Equity capital to assets | 11.5754% | 2,141 |
| Core capital (leverage) ratio | 11.5121% | 2,065 |
| Tier 1 risk-based capital ratio | 15.2429% | 2,762 |
| Total risk-based capital ratio | 16.2245% | 2,811 |
| Memoranda: | ||
| Average total assets | $387,609,000 | 1,780 |
| Average earning assets | $345,535,000 | 1,838 |
| Average equity | $44,344,670 | 1,695 |
| Average total loans | $214,575,000 | 2,073 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,308 |
| Cost of funding earning assets | 0.1911% | 5,072 |
| Net interest margin | 4.1752% | 1,230 |
| Noninterest income to average assets | 0.5496% | 2,524 |
| Noninterest expense to average assets | 3.0796% | 1,877 |
| Loan and lease loss provision to assets | 0.0918% | 1,976 |
| Net operating income to assets | 1.0993% | 2,423 |
| Return on assets (ROA) | 1.0371% | 2,719 |
| Pretax return on assets | 1.0371% | 3,402 |
| Return on Equity (ROE) | 9.1167% | 2,852 |
| Retained earnings to average equity (ytd only) | 0.5827% | 4,717 |
| Net charge-offs to loans | 0.1610% | 877 |
| Credit loss provision to net charge-offs | 103.4483% | 1,506 |
| Earnings coverage of net charge-offs (x) | 13.4253% | 1,756 |
| Efficiency ratio | 70.9647% | 2,351 |
| Assets per employee ($millions) | 3.4316% | 4,753 |
| Cash dividends to net income (ytd only)* | 93.6087% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,057 |
| Loan loss allowance to noncurrent loans | 152.5959% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 3,010 |
| Noncurrent loans to loans | 0.8781% | 2,068 |
| Net loans and leases to total assets | 51.3428% | 4,479 |
| Net loans and leases to deposits | 58.7043% | 4,555 |
| Net loans and leases to core deposits | 62.1476% | 4,543 |
| Total domestic deposits to total assets | 87.4600% | 1,919 |
| Equity capital to assets | 11.3331% | 2,270 |
| Core capital (leverage) ratio | 11.0702% | 2,359 |
| Tier 1 risk-based capital ratio | 16.3344% | 2,343 |
| Total risk-based capital ratio | 17.3544% | 2,376 |
| Memoranda: | ||
| Average total assets | $392,257,500 | 1,772 |
| Average earning assets | $349,586,500 | 1,832 |
| Average equity | $44,621,500 | 1,690 |
| Average total loans | $216,177,500 | 2,069 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 2,376 |
| Cost of funding earning assets | 0.2023% | 4,934 |
| Net interest margin | 4.0842% | 1,499 |
| Noninterest income to average assets | 0.5724% | 2,593 |
| Noninterest expense to average assets | 3.0919% | 1,884 |
| Loan and lease loss provision to assets | 0.2097% | 953 |
| Net operating income to assets | 0.8952% | 2,738 |
| Return on assets (ROA) | 0.9095% | 2,684 |
| Pretax return on assets | 0.9095% | 3,890 |
| Return on Equity (ROE) | 8.2081% | 2,694 |
| Retained earnings to average equity (ytd only) | 3.4946% | 3,190 |
| Net charge-offs to loans | 0.1267% | 1,781 |
| Credit loss provision to net charge-offs | 288.6598% | 973 |
| Earnings coverage of net charge-offs (x) | 15.2096% | 2,262 |
| Efficiency ratio | 72.0183% | 2,223 |
| Assets per employee ($millions) | 3.5424% | 4,645 |
| Cash dividends to net income (ytd only)* | 57.4252% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,945 |
| Loan loss allowance to noncurrent loans | 167.7019% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 3,233 |
| Noncurrent loans to loans | 0.6983% | 2,460 |
| Net loans and leases to total assets | 57.4321% | 4,065 |
| Net loans and leases to deposits | 65.6737% | 4,213 |
| Net loans and leases to core deposits | 69.2352% | 4,223 |
| Total domestic deposits to total assets | 87.4507% | 1,787 |
| Equity capital to assets | 11.4171% | 2,263 |
| Core capital (leverage) ratio | 11.0565% | 2,280 |
| Tier 1 risk-based capital ratio | 14.8284% | 2,910 |
| Total risk-based capital ratio | 15.7538% | 3,009 |
| Memoranda: | ||
| Average total assets | $400,561,400 | 1,700 |
| Average earning assets | $355,469,800 | 1,781 |
| Average equity | $44,383,200 | 1,676 |
| Average total loans | $229,660,400 | 1,939 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,545 |
| Cost of funding earning assets | 0.2029% | 4,958 |
| Net interest margin | 4.0165% | 1,650 |
| Noninterest income to average assets | 0.6120% | 2,409 |
| Noninterest expense to average assets | 3.0351% | 2,016 |
| Loan and lease loss provision to assets | 0.2175% | 852 |
| Net operating income to assets | 0.9225% | 2,911 |
| Return on assets (ROA) | 0.9391% | 2,897 |
| Pretax return on assets | 0.9391% | 3,903 |
| Return on Equity (ROE) | 8.5394% | 2,845 |
| Retained earnings to average equity (ytd only) | 2.5304% | 4,380 |
| Net charge-offs to loans | 0.1174% | 1,617 |
| Credit loss provision to net charge-offs | 324.2574% | 930 |
| Earnings coverage of net charge-offs (x) | 16.9948% | 2,135 |
| Efficiency ratio | 71.0650% | 2,355 |
| Assets per employee ($millions) | 3.4763% | 4,758 |
| Cash dividends to net income (ytd only)* | 70.3679% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,324 |
| Loan loss allowance to noncurrent loans | 146.5391% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 3,132 |
| Noncurrent loans to loans | 0.7697% | 2,443 |
| Net loans and leases to total assets | 59.1566% | 3,954 |
| Net loans and leases to deposits | 68.5351% | 4,077 |
| Net loans and leases to core deposits | 72.4425% | 4,102 |
| Total domestic deposits to total assets | 86.3157% | 2,170 |
| Equity capital to assets | 11.7925% | 2,116 |
| Core capital (leverage) ratio | 10.8863% | 2,563 |
| Tier 1 risk-based capital ratio | 14.7675% | 3,027 |
| Total risk-based capital ratio | 15.6725% | 3,145 |
| Memoranda: | ||
| Average total assets | $401,515,000 | 1,711 |
| Average earning assets | $356,189,500 | 1,790 |
| Average equity | $44,154,750 | 1,700 |
| Average total loans | $229,435,500 | 1,951 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 2,902 |
| Cost of funding earning assets | 0.2039% | 4,935 |
| Net interest margin | 3.8727% | 2,023 |
| Noninterest income to average assets | 0.4553% | 3,317 |
| Noninterest expense to average assets | 2.9651% | 2,212 |
| Loan and lease loss provision to assets | 0.2311% | 747 |
| Net operating income to assets | 0.6865% | 3,906 |
| Return on assets (ROA) | 0.6948% | 3,936 |
| Pretax return on assets | 0.6948% | 4,563 |
| Return on Equity (ROE) | 6.4661% | 3,844 |
| Retained earnings to average equity (ytd only) | -2.4116% | 5,375 |
| Net charge-offs to loans | -0.0157% | 4,683 |
| Credit loss provision to net charge-offs | -2,611.1111% | 4,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6834% | 1,901 |
| Assets per employee ($millions) | 3.5218% | 4,687 |
| Cash dividends to net income (ytd only)* | 137.2965% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 3,144 |
| Loan loss allowance to noncurrent loans | 147.0457% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 3,327 |
| Noncurrent loans to loans | 0.8014% | 2,400 |
| Net loans and leases to total assets | 55.1009% | 4,302 |
| Net loans and leases to deposits | 62.7476% | 4,450 |
| Net loans and leases to core deposits | 65.5759% | 4,496 |
| Total domestic deposits to total assets | 87.8136% | 1,552 |
| Equity capital to assets | 11.0511% | 2,749 |
| Core capital (leverage) ratio | 10.3089% | 3,134 |
| Tier 1 risk-based capital ratio | 13.9069% | 3,472 |
| Total risk-based capital ratio | 14.8001% | 3,587 |
| Memoranda: | ||
| Average total assets | $406,728,670 | 1,688 |
| Average earning assets | $359,958,330 | 1,764 |
| Average equity | $43,705,000 | 1,711 |
| Average total loans | $228,956,000 | 1,949 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,205 |
| Cost of funding earning assets | 0.2034% | 4,948 |
| Net interest margin | 3.7464% | 2,325 |
| Noninterest income to average assets | 0.4769% | 3,143 |
| Noninterest expense to average assets | 2.8806% | 2,516 |
| Loan and lease loss provision to assets | 0.2804% | 507 |
| Net operating income to assets | 0.6273% | 4,027 |
| Return on assets (ROA) | 0.6361% | 4,041 |
| Pretax return on assets | 0.6361% | 4,642 |
| Return on Equity (ROE) | 6.0037% | 3,908 |
| Retained earnings to average equity (ytd only) | -11.5186% | 5,612 |
| Net charge-offs to loans | -0.0346% | 4,998 |
| Credit loss provision to net charge-offs | -1,435.0000% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4648% | 2,153 |
| Assets per employee ($millions) | 3.5923% | 4,662 |
| Cash dividends to net income (ytd only)* | 291.8587% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,528 |
| Loan loss allowance to noncurrent loans | 116.2252% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 3,121 |
| Noncurrent loans to loans | 0.9710% | 2,106 |
| Net loans and leases to total assets | 53.0261% | 4,422 |
| Net loans and leases to deposits | 59.9941% | 4,564 |
| Net loans and leases to core deposits | 62.5642% | 4,612 |
| Total domestic deposits to total assets | 88.3856% | 1,495 |
| Equity capital to assets | 10.5761% | 3,098 |
| Core capital (leverage) ratio | 9.7865% | 3,770 |
| Tier 1 risk-based capital ratio | 14.0010% | 3,479 |
| Total risk-based capital ratio | 14.8548% | 3,628 |
| Memoranda: | ||
| Average total assets | $409,353,000 | 1,695 |
| Average earning assets | $361,844,000 | 1,768 |
| Average equity | $43,373,500 | 1,731 |
| Average total loans | $231,505,500 | 1,947 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 2,008 |
| Cost of funding earning assets | 0.2089% | 4,935 |
| Net interest margin | 4.1328% | 1,300 |
| Noninterest income to average assets | 0.8114% | 1,710 |
| Noninterest expense to average assets | 3.1878% | 1,820 |
| Loan and lease loss provision to assets | 0.4659% | 301 |
| Net operating income to assets | 0.8101% | 3,258 |
| Return on assets (ROA) | 0.8315% | 3,260 |
| Pretax return on assets | 0.8315% | 4,085 |
| Return on Equity (ROE) | 7.8228% | 3,040 |
| Retained earnings to average equity (ytd only) | 1.3620% | 4,729 |
| Net charge-offs to loans | 0.4101% | 647 |
| Credit loss provision to net charge-offs | 187.4033% | 1,502 |
| Earnings coverage of net charge-offs (x) | 5.1326% | 3,387 |
| Efficiency ratio | 70.4492% | 2,836 |
| Assets per employee ($millions) | 3.6528% | 4,538 |
| Cash dividends to net income (ytd only)* | 82.5900% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,868 |
| Loan loss allowance to noncurrent loans | 47.0575% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 1,673 |
| Noncurrent loans to loans | 1.8634% | 1,004 |
| Net loans and leases to total assets | 58.9071% | 3,973 |
| Net loans and leases to deposits | 66.6415% | 4,196 |
| Net loans and leases to core deposits | 69.1627% | 4,312 |
| Total domestic deposits to total assets | 88.3941% | 1,441 |
| Equity capital to assets | 10.6148% | 3,023 |
| Core capital (leverage) ratio | 10.1836% | 3,245 |
| Tier 1 risk-based capital ratio | 13.3308% | 3,878 |
| Total risk-based capital ratio | 14.0198% | 4,105 |
| Memoranda: | ||
| Average total assets | $364,042,200 | 1,834 |
| Average earning assets | $321,716,600 | 1,909 |
| Average equity | $38,694,400 | 1,900 |
| Average total loans | $220,685,400 | 1,972 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 1,762 |
| Cost of funding earning assets | 0.2118% | 4,957 |
| Net interest margin | 4.2176% | 1,087 |
| Noninterest income to average assets | 0.8924% | 1,430 |
| Noninterest expense to average assets | 2.9435% | 2,486 |
| Loan and lease loss provision to assets | 0.4646% | 282 |
| Net operating income to assets | 1.2262% | 1,534 |
| Return on assets (ROA) | 1.2527% | 1,551 |
| Pretax return on assets | 1.2527% | 2,612 |
| Return on Equity (ROE) | 11.7813% | 1,391 |
| Retained earnings to average equity (ytd only) | 2.8723% | 4,174 |
| Net charge-offs to loans | 0.0796% | 2,188 |
| Credit loss provision to net charge-offs | 957.8125% | 430 |
| Earnings coverage of net charge-offs (x) | 34.8598% | 1,350 |
| Efficiency ratio | 63.1889% | 4,040 |
| Assets per employee ($millions) | 3.3341% | 5,004 |
| Cash dividends to net income (ytd only)* | 75.6201% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 1,538 |
| Loan loss allowance to noncurrent loans | 58.1164% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.7570% | 950 |
| Noncurrent loans to loans | 2.7183% | 603 |
| Net loans and leases to total assets | 63.4207% | 3,470 |
| Net loans and leases to deposits | 72.3548% | 3,768 |
| Net loans and leases to core deposits | 75.3437% | 3,897 |
| Total domestic deposits to total assets | 87.6523% | 1,587 |
| Equity capital to assets | 11.1296% | 2,886 |
| Core capital (leverage) ratio | 10.1415% | 3,390 |
| Tier 1 risk-based capital ratio | 13.0664% | 4,124 |
| Total risk-based capital ratio | 14.3168% | 4,028 |
| Memoranda: | ||
| Average total assets | $351,859,750 | 1,899 |
| Average earning assets | $312,179,250 | 1,962 |
| Average equity | $37,414,250 | 1,972 |
| Average total loans | $214,531,000 | 2,016 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 1,982 |
| Cost of funding earning assets | 0.2102% | 5,041 |
| Net interest margin | 4.1398% | 1,257 |
| Noninterest income to average assets | 1.0625% | 993 |
| Noninterest expense to average assets | 2.9932% | 2,374 |
| Loan and lease loss provision to assets | 0.5307% | 238 |
| Net operating income to assets | 1.2139% | 1,548 |
| Return on assets (ROA) | 1.2486% | 1,539 |
| Pretax return on assets | 1.2486% | 2,604 |
| Return on Equity (ROE) | 11.9147% | 1,353 |
| Retained earnings to average equity (ytd only) | 11.9147% | 339 |
| Net charge-offs to loans | 0.0653% | 2,259 |
| Credit loss provision to net charge-offs | 1,357.1429% | 292 |
| Earnings coverage of net charge-offs (x) | 44.6143% | 1,077 |
| Efficiency ratio | 62.7167% | 4,228 |
| Assets per employee ($millions) | 3.2182% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,509 |
| Loan loss allowance to noncurrent loans | 75.9755% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3022% | 1,553 |
| Noncurrent loans to loans | 2.1140% | 920 |
| Net loans and leases to total assets | 60.1453% | 3,864 |
| Net loans and leases to deposits | 68.7915% | 4,103 |
| Net loans and leases to core deposits | 72.2018% | 4,155 |
| Total domestic deposits to total assets | 87.4313% | 1,702 |
| Equity capital to assets | 11.3607% | 2,684 |
| Core capital (leverage) ratio | 10.3202% | 3,165 |
| Tier 1 risk-based capital ratio | 13.0803% | 4,158 |
| Total risk-based capital ratio | 14.3154% | 4,083 |
| Memoranda: | ||
| Average total assets | $358,010,670 | 1,873 |
| Average earning assets | $317,838,330 | 1,944 |
| Average equity | $37,516,670 | 1,965 |
| Average total loans | $214,427,000 | 2,019 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 2,010 |
| Cost of funding earning assets | 0.2094% | 5,114 |
| Net interest margin | 4.1273% | 1,272 |
| Noninterest income to average assets | 1.5773% | 471 |
| Noninterest expense to average assets | 2.9810% | 2,454 |
| Loan and lease loss provision to assets | 0.7357% | 144 |
| Net operating income to assets | 1.5183% | 824 |
| Return on assets (ROA) | 1.5249% | 862 |
| Pretax return on assets | 1.5249% | 1,517 |
| Return on Equity (ROE) | 15.1445% | 647 |
| Retained earnings to average equity (ytd only) | 15.1445% | 238 |
| Net charge-offs to loans | 0.0994% | 1,534 |
| Credit loss provision to net charge-offs | 1,248.1481% | 325 |
| Earnings coverage of net charge-offs (x) | 38.2407% | 1,035 |
| Efficiency ratio | 56.8390% | 5,114 |
| Assets per employee ($millions) | 3.5905% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,712 |
| Loan loss allowance to noncurrent loans | 182.1849% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 3,531 |
| Noncurrent loans to loans | 0.8623% | 2,687 |
| Net loans and leases to total assets | 57.9086% | 4,051 |
| Net loans and leases to deposits | 65.6911% | 4,287 |
| Net loans and leases to core deposits | 68.8218% | 4,336 |
| Total domestic deposits to total assets | 88.1529% | 1,560 |
| Equity capital to assets | 10.7347% | 3,214 |
| Core capital (leverage) ratio | 9.6394% | 3,979 |
| Tier 1 risk-based capital ratio | 13.0668% | 4,223 |
| Total risk-based capital ratio | 14.2941% | 4,152 |
| Memoranda: | ||
| Average total assets | $366,454,000 | 1,831 |
| Average earning assets | $324,761,000 | 1,910 |
| Average equity | $36,898,000 | 1,994 |
| Average total loans | $217,381,000 | 2,006 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,405 |
| Cost of funding earning assets | 0.1001% | 5,961 |
| Net interest margin | 3.5876% | 3,184 |
| Noninterest income to average assets | 0.4910% | 3,384 |
| Noninterest expense to average assets | 2.6640% | 3,716 |
| Loan and lease loss provision to assets | 0.1728% | 1,320 |
| Net operating income to assets | 0.8904% | 2,925 |
| Return on assets (ROA) | 0.9050% | 2,927 |
| Pretax return on assets | 0.9050% | 3,822 |
| Return on Equity (ROE) | 9.5241% | 2,210 |
| Retained earnings to average equity (ytd only) | 6.6277% | 1,480 |
| Net charge-offs to loans | 0.2841% | 1,065 |
| Credit loss provision to net charge-offs | 114.1711% | 2,228 |
| Earnings coverage of net charge-offs (x) | 7.0241% | 3,130 |
| Efficiency ratio | 71.1912% | 3,036 |
| Assets per employee ($millions) | 4.0464% | 3,853 |
| Cash dividends to net income (ytd only)* | 30.4114% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,605 |
| Loan loss allowance to noncurrent loans | 277.7551% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 4,828 |
| Noncurrent loans to loans | 0.3606% | 4,161 |
| Net loans and leases to total assets | 52.7642% | 4,627 |
| Net loans and leases to deposits | 58.9836% | 4,847 |
| Net loans and leases to core deposits | 61.0578% | 4,927 |
| Total domestic deposits to total assets | 89.4556% | 884 |
| Equity capital to assets | 9.4311% | 4,635 |
| Core capital (leverage) ratio | 8.9049% | 4,999 |
| Tier 1 risk-based capital ratio | 12.5779% | 4,578 |
| Total risk-based capital ratio | 13.3469% | 4,793 |
| Memoranda: | ||
| Average total assets | $247,068,400 | 2,525 |
| Average earning assets | $222,881,400 | 2,560 |
| Average equity | $23,477,200 | 2,835 |
| Average total loans | $131,646,800 | 2,863 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,431 |
| Cost of funding earning assets | 0.1017% | 6,051 |
| Net interest margin | 3.5951% | 3,182 |
| Noninterest income to average assets | 0.4961% | 3,396 |
| Noninterest expense to average assets | 2.6040% | 3,865 |
| Loan and lease loss provision to assets | 0.1708% | 1,237 |
| Net operating income to assets | 0.9721% | 2,613 |
| Return on assets (ROA) | 0.9868% | 2,617 |
| Pretax return on assets | 0.9868% | 3,666 |
| Return on Equity (ROE) | 10.3643% | 1,940 |
| Retained earnings to average equity (ytd only) | 9.0502% | 881 |
| Net charge-offs to loans | 0.2389% | 1,095 |
| Credit loss provision to net charge-offs | 134.1880% | 1,829 |
| Earnings coverage of net charge-offs (x) | 8.9787% | 2,750 |
| Efficiency ratio | 69.2073% | 3,339 |
| Assets per employee ($millions) | 3.7147% | 4,417 |
| Cash dividends to net income (ytd only)* | 12.6792% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 4,613 |
| Loan loss allowance to noncurrent loans | 182.8722% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,485 |
| Noncurrent loans to loans | 0.5606% | 3,656 |
| Net loans and leases to total assets | 56.3650% | 4,312 |
| Net loans and leases to deposits | 63.5790% | 4,593 |
| Net loans and leases to core deposits | 66.0481% | 4,685 |
| Total domestic deposits to total assets | 88.6535% | 1,203 |
| Equity capital to assets | 10.1675% | 3,977 |
| Core capital (leverage) ratio | 9.3693% | 4,483 |
| Tier 1 risk-based capital ratio | 12.8668% | 4,514 |
| Total risk-based capital ratio | 13.6681% | 4,722 |
| Memoranda: | ||
| Average total assets | $245,104,750 | 2,560 |
| Average earning assets | $221,629,750 | 2,593 |
| Average equity | $23,336,000 | 2,873 |
| Average total loans | $130,591,250 | 2,896 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 4,558 |
| Cost of funding earning assets | 0.1044% | 6,116 |
| Net interest margin | 3.5506% | 3,289 |
| Noninterest income to average assets | 0.4928% | 3,427 |
| Noninterest expense to average assets | 2.6297% | 3,818 |
| Loan and lease loss provision to assets | 0.1632% | 1,295 |
| Net operating income to assets | 0.9161% | 2,798 |
| Return on assets (ROA) | 0.9307% | 2,852 |
| Pretax return on assets | 0.9307% | 3,846 |
| Return on Equity (ROE) | 9.9925% | 2,076 |
| Retained earnings to average equity (ytd only) | 7.9975% | 1,271 |
| Net charge-offs to loans | 0.2667% | 983 |
| Credit loss provision to net charge-offs | 117.4419% | 1,840 |
| Earnings coverage of net charge-offs (x) | 7.7674% | 2,635 |
| Efficiency ratio | 70.6164% | 3,241 |
| Assets per employee ($millions) | 3.7087% | 4,408 |
| Cash dividends to net income (ytd only)* | 19.9653% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 4,521 |
| Loan loss allowance to noncurrent loans | 74.1953% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 3,117 |
| Noncurrent loans to loans | 1.4328% | 1,864 |
| Net loans and leases to total assets | 51.6172% | 4,789 |
| Net loans and leases to deposits | 57.8764% | 5,002 |
| Net loans and leases to core deposits | 60.1789% | 5,065 |
| Total domestic deposits to total assets | 89.1852% | 1,056 |
| Equity capital to assets | 9.6853% | 4,424 |
| Core capital (leverage) ratio | 8.7747% | 5,254 |
| Tier 1 risk-based capital ratio | 13.1332% | 4,434 |
| Total risk-based capital ratio | 13.9452% | 4,610 |
| Memoranda: | ||
| Average total assets | $247,560,330 | 2,563 |
| Average earning assets | $224,243,330 | 2,590 |
| Average equity | $23,057,330 | 2,908 |
| Average total loans | $128,992,000 | 2,931 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 4,474 |
| Cost of funding earning assets | 0.0987% | 6,213 |
| Net interest margin | 3.5697% | 3,127 |
| Noninterest income to average assets | 0.4816% | 3,409 |
| Noninterest expense to average assets | 2.6172% | 3,873 |
| Loan and lease loss provision to assets | 0.1435% | 1,421 |
| Net operating income to assets | 0.9505% | 2,505 |
| Return on assets (ROA) | 0.9649% | 2,556 |
| Pretax return on assets | 0.9649% | 3,628 |
| Return on Equity (ROE) | 10.5622% | 1,779 |
| Retained earnings to average equity (ytd only) | 6.5468% | 2,216 |
| Net charge-offs to loans | 0.4808% | 518 |
| Credit loss provision to net charge-offs | 57.3248% | 2,033 |
| Earnings coverage of net charge-offs (x) | 4.3694% | 2,506 |
| Efficiency ratio | 69.9613% | 3,496 |
| Assets per employee ($millions) | 3.9428% | 4,074 |
| Cash dividends to net income (ytd only)* | 38.0165% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 5,048 |
| Loan loss allowance to noncurrent loans | 65.6085% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 3,217 |
| Noncurrent loans to loans | 1.5203% | 1,855 |
| Net loans and leases to total assets | 48.7735% | 4,955 |
| Net loans and leases to deposits | 54.3155% | 5,171 |
| Net loans and leases to core deposits | 56.3779% | 5,229 |
| Total domestic deposits to total assets | 89.7966% | 848 |
| Equity capital to assets | 9.1924% | 5,097 |
| Core capital (leverage) ratio | 8.6021% | 5,419 |
| Tier 1 risk-based capital ratio | 13.1827% | 4,512 |
| Total risk-based capital ratio | 13.9464% | 4,707 |
| Memoranda: | ||
| Average total assets | $250,806,000 | 2,551 |
| Average earning assets | $226,907,000 | 2,584 |
| Average equity | $22,912,000 | 2,936 |
| Average total loans | $130,603,500 | 2,906 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 5,061 |
| Cost of funding earning assets | 0.1130% | 6,285 |
| Net interest margin | 3.4948% | 3,816 |
| Noninterest income to average assets | 0.5139% | 3,394 |
| Noninterest expense to average assets | 2.7601% | 3,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9280% | 2,737 |
| Return on assets (ROA) | 0.7675% | 3,633 |
| Pretax return on assets | 0.7675% | 4,372 |
| Return on Equity (ROE) | 8.9564% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.9564% | 716 |
| Net charge-offs to loans | 0.1045% | 3,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 18.7419% | 1,825 |
| Efficiency ratio | 74.8159% | 2,694 |
| Assets per employee ($millions) | 4.0865% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 5,272 |
| Loan loss allowance to noncurrent loans | 244.9438% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 5,170 |
| Noncurrent loans to loans | 0.3901% | 4,475 |
| Net loans and leases to total assets | 54.3920% | 4,531 |
| Net loans and leases to deposits | 60.4837% | 4,861 |
| Net loans and leases to core deposits | 62.9778% | 4,922 |
| Total domestic deposits to total assets | 89.9284% | 766 |
| Equity capital to assets | 9.0776% | 5,205 |
| Core capital (leverage) ratio | 7.8263% | 6,090 |
| Tier 1 risk-based capital ratio | 12.5591% | 5,003 |
| Total risk-based capital ratio | 13.3551% | 5,198 |
| Memoranda: | ||
| Average total assets | $250,426,200 | 2,523 |
| Average earning assets | $227,450,400 | 2,544 |
| Average equity | $21,459,400 | 3,007 |
| Average total loans | $118,667,800 | 3,071 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5247% | 5,335 |
| Cost of funding earning assets | 0.1123% | 6,368 |
| Net interest margin | 3.4124% | 4,184 |
| Noninterest income to average assets | 0.4845% | 3,655 |
| Noninterest expense to average assets | 2.5574% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0290% | 2,327 |
| Return on assets (ROA) | 0.8105% | 3,477 |
| Pretax return on assets | 0.8105% | 4,329 |
| Return on Equity (ROE) | 9.5995% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.5995% | 807 |
| Net charge-offs to loans | 0.0082% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 276.5209% | 246 |
| Efficiency ratio | 71.3078% | 3,293 |
| Assets per employee ($millions) | 3.8165% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 4,424 |
| Loan loss allowance to noncurrent loans | 264.6840% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 5,347 |
| Noncurrent loans to loans | 0.4395% | 4,583 |
| Net loans and leases to total assets | 48.7733% | 5,126 |
| Net loans and leases to deposits | 54.1654% | 5,374 |
| Net loans and leases to core deposits | 57.2076% | 5,383 |
| Total domestic deposits to total assets | 90.0452% | 715 |
| Equity capital to assets | 8.9567% | 5,392 |
| Core capital (leverage) ratio | 8.4117% | 5,747 |
| Tier 1 risk-based capital ratio | 13.9411% | 4,258 |
| Total risk-based capital ratio | 14.8918% | 4,389 |
| Memoranda: | ||
| Average total assets | $250,714,250 | 2,536 |
| Average earning assets | $227,908,500 | 2,559 |
| Average equity | $21,167,250 | 3,041 |
| Average total loans | $114,111,500 | 3,164 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 5,412 |
| Cost of funding earning assets | 0.1147% | 6,432 |
| Net interest margin | 3.3846% | 4,241 |
| Noninterest income to average assets | 0.4778% | 3,649 |
| Noninterest expense to average assets | 2.5152% | 4,541 |
| Loan and lease loss provision to assets | 0.0572% | 3,147 |
| Net operating income to assets | 0.9794% | 2,411 |
| Return on assets (ROA) | 0.9794% | 2,488 |
| Pretax return on assets | 0.9794% | 3,558 |
| Return on Equity (ROE) | 11.8367% | 1,470 |
| Retained earnings to average equity (ytd only) | 11.8367% | 442 |
| Net charge-offs to loans | 0.0198% | 3,817 |
| Credit loss provision to net charge-offs | 654.5455% | 474 |
| Earnings coverage of net charge-offs (x) | 118.5455% | 493 |
| Efficiency ratio | 70.8147% | 3,525 |
| Assets per employee ($millions) | 3.7458% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 3,769 |
| Loan loss allowance to noncurrent loans | 371.3930% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 5,663 |
| Noncurrent loans to loans | 0.3545% | 4,934 |
| Net loans and leases to total assets | 45.2717% | 5,435 |
| Net loans and leases to deposits | 50.1577% | 5,627 |
| Net loans and leases to core deposits | 53.0235% | 5,612 |
| Total domestic deposits to total assets | 90.2586% | 680 |
| Equity capital to assets | 8.7500% | 5,573 |
| Core capital (leverage) ratio | 8.2373% | 5,898 |
| Tier 1 risk-based capital ratio | 13.8966% | 4,325 |
| Total risk-based capital ratio | 14.9042% | 4,432 |
| Memoranda: | ||
| Average total assets | $251,595,000 | 2,528 |
| Average earning assets | $228,507,670 | 2,563 |
| Average equity | $20,816,670 | 3,082 |
| Average total loans | $111,343,000 | 3,213 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,569 |
| Cost of funding earning assets | 0.1164% | 6,508 |
| Net interest margin | 3.3208% | 4,456 |
| Noninterest income to average assets | 0.4855% | 3,524 |
| Noninterest expense to average assets | 2.4667% | 4,733 |
| Loan and lease loss provision to assets | 0.0772% | 2,597 |
| Net operating income to assets | 0.9552% | 2,383 |
| Return on assets (ROA) | 0.9552% | 2,454 |
| Pretax return on assets | 0.9552% | 3,491 |
| Return on Equity (ROE) | 11.8771% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.8771% | 625 |
| Net charge-offs to loans | -0.0471% | 5,779 |
| Credit loss provision to net charge-offs | -376.9231% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4955% | 3,744 |
| Assets per employee ($millions) | 4.1257% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 3,736 |
| Loan loss allowance to noncurrent loans | 345.0346% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 5,737 |
| Noncurrent loans to loans | 0.3976% | 4,944 |
| Net loans and leases to total assets | 41.3269% | 5,721 |
| Net loans and leases to deposits | 45.3646% | 5,894 |
| Net loans and leases to core deposits | 47.9048% | 5,877 |
| Total domestic deposits to total assets | 91.0996% | 536 |
| Equity capital to assets | 8.0021% | 6,059 |
| Core capital (leverage) ratio | 7.9846% | 6,130 |
| Tier 1 risk-based capital ratio | 13.3163% | 4,815 |
| Total risk-based capital ratio | 14.3129% | 4,904 |
| Memoranda: | ||
| Average total assets | $253,781,000 | 2,519 |
| Average earning assets | $230,309,000 | 2,550 |
| Average equity | $20,409,000 | 3,124 |
| Average total loans | $110,307,000 | 3,255 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 5,514 |
| Cost of funding earning assets | 0.2001% | 6,297 |
| Net interest margin | 3.3578% | 4,445 |
| Noninterest income to average assets | 0.5601% | 3,330 |
| Noninterest expense to average assets | 2.5785% | 4,537 |
| Loan and lease loss provision to assets | 0.1160% | 2,874 |
| Net operating income to assets | 0.8759% | 2,901 |
| Return on assets (ROA) | 0.8615% | 3,051 |
| Pretax return on assets | 0.8615% | 3,913 |
| Return on Equity (ROE) | 10.6385% | 1,883 |
| Retained earnings to average equity (ytd only) | 9.6781% | 624 |
| Net charge-offs to loans | 0.0183% | 5,080 |
| Credit loss provision to net charge-offs | 1,365.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 116.7000% | 406 |
| Efficiency ratio | 72.2176% | 3,437 |
| Assets per employee ($millions) | 3.9308% | 3,997 |
| Cash dividends to net income (ytd only)* | 9.0281% | 4,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 4,227 |
| Loan loss allowance to noncurrent loans | 349.2683% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 5,818 |
| Noncurrent loans to loans | 0.3670% | 5,087 |
| Net loans and leases to total assets | 44.5284% | 5,625 |
| Net loans and leases to deposits | 48.9070% | 5,838 |
| Net loans and leases to core deposits | 51.4400% | 5,842 |
| Total domestic deposits to total assets | 91.0472% | 551 |
| Equity capital to assets | 8.0838% | 5,955 |
| Core capital (leverage) ratio | 7.7958% | 6,246 |
| Tier 1 risk-based capital ratio | 13.4591% | 4,676 |
| Total risk-based capital ratio | 14.4548% | 4,791 |
| Memoranda: | ||
| Average total assets | $235,296,200 | 2,666 |
| Average earning assets | $210,940,000 | 2,713 |
| Average equity | $19,053,400 | 3,272 |
| Average total loans | $109,571,800 | 3,253 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 5,641 |
| Cost of funding earning assets | 0.2203% | 6,289 |
| Net interest margin | 3.2994% | 4,640 |
| Noninterest income to average assets | 0.5696% | 3,336 |
| Noninterest expense to average assets | 2.5873% | 4,436 |
| Loan and lease loss provision to assets | 0.1441% | 2,483 |
| Net operating income to assets | 0.7958% | 3,369 |
| Return on assets (ROA) | 0.7763% | 3,606 |
| Pretax return on assets | 0.7763% | 4,398 |
| Return on Equity (ROE) | 9.5823% | 2,359 |
| Retained earnings to average equity (ytd only) | 8.2853% | 1,302 |
| Net charge-offs to loans | 0.0086% | 4,986 |
| Credit loss provision to net charge-offs | 3,585.7143% | 94 |
| Earnings coverage of net charge-offs (x) | 233.9346% | 248 |
| Efficiency ratio | 73.3518% | 3,168 |
| Assets per employee ($millions) | 3.8236% | 4,181 |
| Cash dividends to net income (ytd only)* | 13.5353% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,535 |
| Loan loss allowance to noncurrent loans | 340.1914% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 5,912 |
| Noncurrent loans to loans | 0.3737% | 5,281 |
| Net loans and leases to total assets | 46.5885% | 5,485 |
| Net loans and leases to deposits | 51.1142% | 5,768 |
| Net loans and leases to core deposits | 53.8417% | 5,773 |
| Total domestic deposits to total assets | 91.1459% | 474 |
| Equity capital to assets | 7.8839% | 6,219 |
| Core capital (leverage) ratio | 7.8936% | 6,282 |
| Tier 1 risk-based capital ratio | 12.7736% | 5,275 |
| Total risk-based capital ratio | 13.7743% | 5,386 |
| Memoranda: | ||
| Average total assets | $232,209,750 | 2,710 |
| Average earning assets | $208,153,750 | 2,763 |
| Average equity | $18,812,000 | 3,333 |
| Average total loans | $109,039,000 | 3,289 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 5,641 |
| Cost of funding earning assets | 0.2360% | 6,263 |
| Net interest margin | 3.2894% | 4,624 |
| Noninterest income to average assets | 0.5898% | 3,253 |
| Noninterest expense to average assets | 2.5534% | 4,553 |
| Loan and lease loss provision to assets | 0.1570% | 2,354 |
| Net operating income to assets | 0.8049% | 3,269 |
| Return on assets (ROA) | 0.7884% | 3,522 |
| Pretax return on assets | 0.7884% | 4,352 |
| Return on Equity (ROE) | 9.6432% | 2,348 |
| Retained earnings to average equity (ytd only) | 7.7018% | 1,595 |
| Net charge-offs to loans | 0.1166% | 3,198 |
| Credit loss provision to net charge-offs | 287.3016% | 897 |
| Earnings coverage of net charge-offs (x) | 17.6032% | 1,597 |
| Efficiency ratio | 72.6376% | 3,362 |
| Assets per employee ($millions) | 3.5854% | 4,656 |
| Cash dividends to net income (ytd only)* | 20.1320% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 4,894 |
| Loan loss allowance to noncurrent loans | 317.6471% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 5,959 |
| Noncurrent loans to loans | 0.3833% | 5,318 |
| Net loans and leases to total assets | 46.5535% | 5,472 |
| Net loans and leases to deposits | 51.1878% | 5,758 |
| Net loans and leases to core deposits | 53.9893% | 5,755 |
| Total domestic deposits to total assets | 90.9465% | 565 |
| Equity capital to assets | 8.1340% | 6,107 |
| Core capital (leverage) ratio | 7.7235% | 6,358 |
| Tier 1 risk-based capital ratio | 12.7598% | 5,316 |
| Total risk-based capital ratio | 13.6936% | 5,485 |
| Memoranda: | ||
| Average total assets | $230,591,330 | 2,737 |
| Average earning assets | $205,082,000 | 2,810 |
| Average equity | $18,852,670 | 3,347 |
| Average total loans | $108,096,330 | 3,319 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 5,671 |
| Cost of funding earning assets | 0.2407% | 6,346 |
| Net interest margin | 3.2713% | 4,624 |
| Noninterest income to average assets | 0.6439% | 2,913 |
| Noninterest expense to average assets | 2.5019% | 4,739 |
| Loan and lease loss provision to assets | 0.1545% | 2,326 |
| Net operating income to assets | 0.8586% | 2,871 |
| Return on assets (ROA) | 0.8672% | 2,966 |
| Pretax return on assets | 0.8672% | 3,886 |
| Return on Equity (ROE) | 10.5801% | 1,847 |
| Retained earnings to average equity (ytd only) | 9.0507% | 1,364 |
| Net charge-offs to loans | -0.0147% | 5,583 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1773% | 3,761 |
| Assets per employee ($millions) | 3.9089% | 4,138 |
| Cash dividends to net income (ytd only)* | 14.4554% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,112 |
| Loan loss allowance to noncurrent loans | 267.4370% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 5,957 |
| Noncurrent loans to loans | 0.4546% | 5,280 |
| Net loans and leases to total assets | 44.0969% | 5,656 |
| Net loans and leases to deposits | 48.4937% | 5,887 |
| Net loans and leases to core deposits | 51.0945% | 5,892 |
| Total domestic deposits to total assets | 90.9332% | 552 |
| Equity capital to assets | 8.2056% | 6,243 |
| Core capital (leverage) ratio | 7.5376% | 6,455 |
| Tier 1 risk-based capital ratio | 12.7297% | 5,417 |
| Total risk-based capital ratio | 13.6602% | 5,580 |
| Memoranda: | ||
| Average total assets | $232,947,000 | 2,747 |
| Average earning assets | $204,444,500 | 2,850 |
| Average equity | $19,092,500 | 3,363 |
| Average total loans | $108,919,000 | 3,311 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 5,853 |
| Cost of funding earning assets | 0.3557% | 6,176 |
| Net interest margin | 3.4322% | 4,770 |
| Noninterest income to average assets | 0.5568% | 3,527 |
| Noninterest expense to average assets | 2.7859% | 4,078 |
| Loan and lease loss provision to assets | 0.1567% | 3,658 |
| Net operating income to assets | 0.6291% | 4,091 |
| Return on assets (ROA) | 0.5722% | 4,630 |
| Pretax return on assets | 0.5722% | 5,076 |
| Return on Equity (ROE) | 7.0377% | 3,623 |
| Retained earnings to average equity (ytd only) | 2.8793% | 4,215 |
| Net charge-offs to loans | 0.3537% | 2,864 |
| Credit loss provision to net charge-offs | 95.7265% | 3,243 |
| Earnings coverage of net charge-offs (x) | 4.8006% | 3,246 |
| Efficiency ratio | 77.9997% | 2,446 |
| Assets per employee ($millions) | 3.8560% | 4,260 |
| Cash dividends to net income (ytd only)* | 59.0872% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 5,801 |
| Loan loss allowance to noncurrent loans | 416.6078% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 6,263 |
| Noncurrent loans to loans | 0.2501% | 5,854 |
| Net loans and leases to total assets | 48.3938% | 5,368 |
| Net loans and leases to deposits | 53.2343% | 5,722 |
| Net loans and leases to core deposits | 56.2823% | 5,697 |
| Total domestic deposits to total assets | 90.9072% | 531 |
| Equity capital to assets | 8.1864% | 6,290 |
| Core capital (leverage) ratio | 7.7832% | 6,349 |
| Tier 1 risk-based capital ratio | 12.3440% | 5,574 |
| Total risk-based capital ratio | 13.2010% | 5,774 |
| Memoranda: | ||
| Average total assets | $214,434,200 | 2,889 |
| Average earning assets | $188,364,800 | 2,981 |
| Average equity | $17,434,600 | 3,550 |
| Average total loans | $99,232,200 | 3,544 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 6,141 |
| Cost of funding earning assets | 0.3780% | 6,246 |
| Net interest margin | 3.3661% | 5,158 |
| Noninterest income to average assets | 0.5702% | 3,467 |
| Noninterest expense to average assets | 2.7985% | 3,986 |
| Loan and lease loss provision to assets | 0.1548% | 3,589 |
| Net operating income to assets | 0.5823% | 4,467 |
| Return on assets (ROA) | 0.5943% | 4,680 |
| Pretax return on assets | 0.5943% | 5,185 |
| Return on Equity (ROE) | 7.3237% | 3,626 |
| Retained earnings to average equity (ytd only) | 1.9541% | 5,351 |
| Net charge-offs to loans | 0.5054% | 2,094 |
| Credit loss provision to net charge-offs | 67.2176% | 3,971 |
| Earnings coverage of net charge-offs (x) | 3.2011% | 3,749 |
| Efficiency ratio | 79.1532% | 2,217 |
| Assets per employee ($millions) | 3.8219% | 4,251 |
| Cash dividends to net income (ytd only)* | 73.3195% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,180 |
| Loan loss allowance to noncurrent loans | 426.1905% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 6,377 |
| Noncurrent loans to loans | 0.2285% | 6,040 |
| Net loans and leases to total assets | 51.0223% | 5,185 |
| Net loans and leases to deposits | 56.0931% | 5,628 |
| Net loans and leases to core deposits | 59.1189% | 5,646 |
| Total domestic deposits to total assets | 90.9601% | 423 |
| Equity capital to assets | 8.1022% | 6,545 |
| Core capital (leverage) ratio | 7.1976% | 6,752 |
| Tier 1 risk-based capital ratio | 11.5920% | 6,173 |
| Total risk-based capital ratio | 12.4093% | 6,386 |
| Memoranda: | ||
| Average total assets | $210,203,250 | 2,956 |
| Average earning assets | $185,176,000 | 3,052 |
| Average equity | $17,058,250 | 3,643 |
| Average total loans | $95,754,750 | 3,659 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 6,353 |
| Cost of funding earning assets | 0.3931% | 6,310 |
| Net interest margin | 3.2939% | 5,451 |
| Noninterest income to average assets | 0.5887% | 3,329 |
| Noninterest expense to average assets | 2.7923% | 4,042 |
| Loan and lease loss provision to assets | 0.1455% | 3,701 |
| Net operating income to assets | 0.5466% | 4,596 |
| Return on assets (ROA) | 0.5619% | 4,813 |
| Pretax return on assets | 0.5619% | 5,271 |
| Return on Equity (ROE) | 6.9205% | 3,823 |
| Retained earnings to average equity (ytd only) | -0.7192% | 6,166 |
| Net charge-offs to loans | 0.1012% | 4,153 |
| Credit loss provision to net charge-offs | 330.4348% | 897 |
| Earnings coverage of net charge-offs (x) | 15.7174% | 1,634 |
| Efficiency ratio | 80.1374% | 2,149 |
| Assets per employee ($millions) | 3.4711% | 5,047 |
| Cash dividends to net income (ytd only)* | 110.3918% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,888 |
| Loan loss allowance to noncurrent loans | 171.1462% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 5,829 |
| Noncurrent loans to loans | 0.7595% | 4,992 |
| Net loans and leases to total assets | 47.3637% | 5,678 |
| Net loans and leases to deposits | 52.1110% | 6,016 |
| Net loans and leases to core deposits | 55.3905% | 5,988 |
| Total domestic deposits to total assets | 90.8899% | 489 |
| Equity capital to assets | 8.1911% | 6,461 |
| Core capital (leverage) ratio | 7.1610% | 6,764 |
| Tier 1 risk-based capital ratio | 12.0199% | 5,915 |
| Total risk-based capital ratio | 13.0664% | 6,020 |
| Memoranda: | ||
| Average total assets | $208,928,330 | 2,978 |
| Average earning assets | $183,673,000 | 3,075 |
| Average equity | $16,964,000 | 3,648 |
| Average total loans | $90,914,330 | 3,783 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 6,684 |
| Cost of funding earning assets | 0.4169% | 6,332 |
| Net interest margin | 3.0937% | 6,065 |
| Noninterest income to average assets | 0.6365% | 3,013 |
| Noninterest expense to average assets | 2.6971% | 4,432 |
| Loan and lease loss provision to assets | 0.1166% | 3,893 |
| Net operating income to assets | 0.5180% | 4,745 |
| Return on assets (ROA) | 0.5352% | 4,880 |
| Pretax return on assets | 0.5352% | 5,324 |
| Return on Equity (ROE) | 6.6208% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.2562% | 4,034 |
| Net charge-offs to loans | 0.2546% | 2,651 |
| Credit loss provision to net charge-offs | 110.9091% | 2,119 |
| Earnings coverage of net charge-offs (x) | 6.0364% | 2,261 |
| Efficiency ratio | 80.9524% | 2,085 |
| Assets per employee ($millions) | 3.5065% | 5,105 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 4,697 |
| Loan loss allowance to noncurrent loans | 179.8799% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 6,100 |
| Noncurrent loans to loans | 0.7659% | 5,129 |
| Net loans and leases to total assets | 40.7629% | 6,287 |
| Net loans and leases to deposits | 44.7625% | 6,513 |
| Net loans and leases to core deposits | 46.2256% | 6,552 |
| Total domestic deposits to total assets | 91.0647% | 526 |
| Equity capital to assets | 8.0688% | 6,468 |
| Core capital (leverage) ratio | 7.2576% | 6,740 |
| Tier 1 risk-based capital ratio | 13.2517% | 5,031 |
| Total risk-based capital ratio | 14.2988% | 5,143 |
| Memoranda: | ||
| Average total assets | $209,261,000 | 2,995 |
| Average earning assets | $182,306,500 | 3,121 |
| Average equity | $16,916,500 | 3,662 |
| Average total loans | $86,401,500 | 3,927 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 6,149 |
| Cost of funding earning assets | 0.5475% | 6,351 |
| Net interest margin | 3.6192% | 4,656 |
| Noninterest income to average assets | 0.6493% | 2,893 |
| Noninterest expense to average assets | 2.8592% | 4,133 |
| Loan and lease loss provision to assets | 0.1307% | 4,983 |
| Net operating income to assets | 0.8218% | 2,946 |
| Return on assets (ROA) | 0.8861% | 2,793 |
| Pretax return on assets | 0.8861% | 3,654 |
| Return on Equity (ROE) | 10.4019% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.3141% | 1,847 |
| Net charge-offs to loans | 0.1968% | 4,567 |
| Credit loss provision to net charge-offs | 138.6364% | 2,132 |
| Earnings coverage of net charge-offs (x) | 10.1023% | 1,883 |
| Efficiency ratio | 75.0105% | 3,057 |
| Assets per employee ($millions) | 3.7166% | 4,518 |
| Cash dividends to net income (ytd only)* | 39.2987% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 4,515 |
| Loan loss allowance to noncurrent loans | 714.3713% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 6,707 |
| Noncurrent loans to loans | 0.1945% | 6,358 |
| Net loans and leases to total assets | 40.6718% | 6,496 |
| Net loans and leases to deposits | 44.6809% | 6,690 |
| Net loans and leases to core deposits | 46.2228% | 6,726 |
| Total domestic deposits to total assets | 91.0273% | 496 |
| Equity capital to assets | 8.0992% | 6,513 |
| Core capital (leverage) ratio | 7.4947% | 6,650 |
| Tier 1 risk-based capital ratio | 13.0105% | 5,063 |
| Total risk-based capital ratio | 14.0465% | 5,226 |
| Memoranda: | ||
| Average total assets | $186,660,400 | 3,241 |
| Average earning assets | $163,100,400 | 3,348 |
| Average equity | $15,901,000 | 3,742 |
| Average total loans | $89,431,000 | 3,870 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 5,773 |
| Cost of funding earning assets | 0.5843% | 6,359 |
| Net interest margin | 3.7662% | 4,030 |
| Noninterest income to average assets | 0.6722% | 2,759 |
| Noninterest expense to average assets | 2.8520% | 4,137 |
| Loan and lease loss provision to assets | 0.1456% | 4,621 |
| Net operating income to assets | 0.9642% | 2,459 |
| Return on assets (ROA) | 1.0348% | 2,354 |
| Pretax return on assets | 1.0348% | 3,269 |
| Return on Equity (ROE) | 11.9777% | 1,560 |
| Retained earnings to average equity (ytd only) | 6.8699% | 2,038 |
| Net charge-offs to loans | 0.1934% | 4,255 |
| Credit loss provision to net charge-offs | 151.1450% | 2,063 |
| Earnings coverage of net charge-offs (x) | 11.5192% | 1,802 |
| Efficiency ratio | 71.9881% | 3,556 |
| Assets per employee ($millions) | 3.5439% | 4,890 |
| Cash dividends to net income (ytd only)* | 42.6440% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 4,729 |
| Loan loss allowance to noncurrent loans | 810.2041% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 6,778 |
| Noncurrent loans to loans | 0.1680% | 6,528 |
| Net loans and leases to total assets | 45.0943% | 6,233 |
| Net loans and leases to deposits | 49.9398% | 6,504 |
| Net loans and leases to core deposits | 51.8970% | 6,572 |
| Total domestic deposits to total assets | 90.2973% | 722 |
| Equity capital to assets | 8.7360% | 6,044 |
| Core capital (leverage) ratio | 8.0811% | 6,306 |
| Tier 1 risk-based capital ratio | 12.9292% | 5,147 |
| Total risk-based capital ratio | 13.9706% | 5,293 |
| Memoranda: | ||
| Average total assets | $181,292,500 | 3,327 |
| Average earning assets | $158,350,250 | 3,462 |
| Average equity | $15,662,000 | 3,794 |
| Average total loans | $90,327,750 | 3,885 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 5,764 |
| Cost of funding earning assets | 0.6220% | 6,354 |
| Net interest margin | 3.7576% | 4,000 |
| Noninterest income to average assets | 0.6890% | 2,608 |
| Noninterest expense to average assets | 2.9404% | 3,862 |
| Loan and lease loss provision to assets | 0.1529% | 4,403 |
| Net operating income to assets | 0.8689% | 2,777 |
| Return on assets (ROA) | 0.9453% | 2,549 |
| Pretax return on assets | 0.9453% | 3,450 |
| Return on Equity (ROE) | 10.9863% | 1,804 |
| Retained earnings to average equity (ytd only) | 3.8014% | 3,794 |
| Net charge-offs to loans | 0.1687% | 4,168 |
| Credit loss provision to net charge-offs | 176.6234% | 1,700 |
| Earnings coverage of net charge-offs (x) | 11.8052% | 1,672 |
| Efficiency ratio | 74.2128% | 3,319 |
| Assets per employee ($millions) | 3.2535% | 5,519 |
| Cash dividends to net income (ytd only)* | 65.3983% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 5,199 |
| Loan loss allowance to noncurrent loans | 903.8168% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 6,831 |
| Noncurrent loans to loans | 0.1405% | 6,624 |
| Net loans and leases to total assets | 51.4482% | 5,636 |
| Net loans and leases to deposits | 57.0318% | 6,050 |
| Net loans and leases to core deposits | 59.5180% | 6,135 |
| Total domestic deposits to total assets | 90.2097% | 860 |
| Equity capital to assets | 8.8246% | 5,790 |
| Core capital (leverage) ratio | 7.9754% | 6,330 |
| Tier 1 risk-based capital ratio | 12.5100% | 5,338 |
| Total risk-based capital ratio | 13.5480% | 5,502 |
| Memoranda: | ||
| Average total assets | $177,933,330 | 3,400 |
| Average earning assets | $154,994,330 | 3,545 |
| Average equity | $15,310,000 | 3,851 |
| Average total loans | $91,274,330 | 3,914 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 5,983 |
| Cost of funding earning assets | 0.6543% | 6,365 |
| Net interest margin | 3.6584% | 4,290 |
| Noninterest income to average assets | 0.7034% | 2,559 |
| Noninterest expense to average assets | 2.8428% | 4,291 |
| Loan and lease loss provision to assets | 0.1353% | 4,321 |
| Net operating income to assets | 0.9018% | 2,556 |
| Return on assets (ROA) | 0.9829% | 2,295 |
| Pretax return on assets | 0.9829% | 3,190 |
| Return on Equity (ROE) | 11.5730% | 1,584 |
| Retained earnings to average equity (ytd only) | 11.5730% | 804 |
| Net charge-offs to loans | 0.2614% | 3,023 |
| Credit loss provision to net charge-offs | 101.6949% | 2,602 |
| Earnings coverage of net charge-offs (x) | 7.7966% | 1,895 |
| Efficiency ratio | 73.2714% | 3,639 |
| Assets per employee ($millions) | 3.4237% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 5,225 |
| Loan loss allowance to noncurrent loans | 397.5265% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 6,735 |
| Noncurrent loans to loans | 0.3223% | 6,346 |
| Net loans and leases to total assets | 47.7714% | 6,109 |
| Net loans and leases to deposits | 52.7339% | 6,416 |
| Net loans and leases to core deposits | 54.9875% | 6,485 |
| Total domestic deposits to total assets | 90.5895% | 802 |
| Equity capital to assets | 8.5194% | 5,877 |
| Core capital (leverage) ratio | 7.9761% | 6,284 |
| Tier 1 risk-based capital ratio | 12.8710% | 4,931 |
| Total risk-based capital ratio | 13.8765% | 5,119 |
| Memoranda: | ||
| Average total assets | $177,428,500 | 3,424 |
| Average earning assets | $154,056,000 | 3,583 |
| Average equity | $15,069,500 | 3,891 |
| Average total loans | $90,288,000 | 3,973 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 5,481 |
| Cost of funding earning assets | 0.8509% | 6,366 |
| Net interest margin | 3.9314% | 3,337 |
| Noninterest income to average assets | 0.7168% | 2,742 |
| Noninterest expense to average assets | 3.0408% | 3,692 |
| Loan and lease loss provision to assets | 0.1397% | 5,786 |
| Net operating income to assets | 0.9433% | 2,227 |
| Return on assets (ROA) | 1.0563% | 1,946 |
| Pretax return on assets | 1.0563% | 2,749 |
| Return on Equity (ROE) | 11.8038% | 1,363 |
| Retained earnings to average equity (ytd only) | 2.9798% | 3,766 |
| Net charge-offs to loans | 0.2831% | 4,606 |
| Credit loss provision to net charge-offs | 90.1961% | 5,124 |
| Earnings coverage of net charge-offs (x) | 6.9922% | 2,226 |
| Efficiency ratio | 73.7369% | 3,457 |
| Assets per employee ($millions) | 3.0964% | 5,888 |
| Cash dividends to net income (ytd only)* | 74.7556% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,454 |
| Loan loss allowance to noncurrent loans | 542.9952% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 6,936 |
| Noncurrent loans to loans | 0.2231% | 6,615 |
| Net loans and leases to total assets | 52.8503% | 5,806 |
| Net loans and leases to deposits | 58.3379% | 6,221 |
| Net loans and leases to core deposits | 61.4439% | 6,279 |
| Total domestic deposits to total assets | 90.5935% | 794 |
| Equity capital to assets | 8.4659% | 5,898 |
| Core capital (leverage) ratio | 8.2924% | 5,697 |
| Tier 1 risk-based capital ratio | 12.5019% | 5,020 |
| Total risk-based capital ratio | 13.5072% | 5,215 |
| Memoranda: | ||
| Average total assets | $164,626,800 | 3,623 |
| Average earning assets | $142,672,000 | 3,766 |
| Average equity | $14,732,600 | 3,989 |
| Average total loans | $90,082,400 | 4,054 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 5,520 |
| Cost of funding earning assets | 0.8816% | 6,470 |
| Net interest margin | 3.9562% | 3,304 |
| Noninterest income to average assets | 0.7338% | 2,615 |
| Noninterest expense to average assets | 3.0346% | 3,627 |
| Loan and lease loss provision to assets | 0.1519% | 5,525 |
| Net operating income to assets | 0.9768% | 2,312 |
| Return on assets (ROA) | 1.1007% | 1,991 |
| Pretax return on assets | 1.1007% | 2,821 |
| Return on Equity (ROE) | 12.1253% | 1,468 |
| Retained earnings to average equity (ytd only) | 7.0527% | 1,813 |
| Net charge-offs to loans | 0.0596% | 5,915 |
| Credit loss provision to net charge-offs | 462.5000% | 647 |
| Earnings coverage of net charge-offs (x) | 34.3763% | 780 |
| Efficiency ratio | 72.8904% | 3,545 |
| Assets per employee ($millions) | 2.9722% | 6,218 |
| Cash dividends to net income (ytd only)* | 41.8343% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 4,922 |
| Loan loss allowance to noncurrent loans | 350.9485% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 6,724 |
| Noncurrent loans to loans | 0.3726% | 6,449 |
| Net loans and leases to total assets | 59.7937% | 4,953 |
| Net loans and leases to deposits | 68.9440% | 5,285 |
| Net loans and leases to core deposits | 73.1358% | 5,390 |
| Total domestic deposits to total assets | 86.7280% | 2,675 |
| Equity capital to assets | 9.5068% | 4,828 |
| Core capital (leverage) ratio | 8.8561% | 4,914 |
| Tier 1 risk-based capital ratio | 12.9035% | 4,651 |
| Total risk-based capital ratio | 14.0705% | 4,700 |
| Memoranda: | ||
| Average total assets | $162,433,250 | 3,707 |
| Average earning assets | $140,804,500 | 3,856 |
| Average equity | $14,745,750 | 4,047 |
| Average total loans | $89,411,250 | 4,134 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 5,919 |
| Cost of funding earning assets | 0.8916% | 6,618 |
| Net interest margin | 3.8706% | 3,584 |
| Noninterest income to average assets | 0.7416% | 2,448 |
| Noninterest expense to average assets | 3.0428% | 3,545 |
| Loan and lease loss provision to assets | 0.1802% | 5,065 |
| Net operating income to assets | 0.8613% | 2,689 |
| Return on assets (ROA) | 1.0056% | 2,251 |
| Pretax return on assets | 1.0056% | 3,094 |
| Return on Equity (ROE) | 11.2564% | 1,664 |
| Retained earnings to average equity (ytd only) | 3.4943% | 3,882 |
| Net charge-offs to loans | 0.0325% | 5,895 |
| Credit loss provision to net charge-offs | 1,042.8571% | 357 |
| Earnings coverage of net charge-offs (x) | 60.2857% | 513 |
| Efficiency ratio | 74.5015% | 3,372 |
| Assets per employee ($millions) | 2.9372% | 6,282 |
| Cash dividends to net income (ytd only)* | 68.9571% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 4,630 |
| Loan loss allowance to noncurrent loans | 126.8051% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 5,820 |
| Noncurrent loans to loans | 1.0716% | 5,171 |
| Net loans and leases to total assets | 57.6103% | 5,473 |
| Net loans and leases to deposits | 66.1229% | 5,789 |
| Net loans and leases to core deposits | 69.9860% | 5,871 |
| Total domestic deposits to total assets | 87.1261% | 2,470 |
| Equity capital to assets | 9.1269% | 5,257 |
| Core capital (leverage) ratio | 8.6055% | 5,227 |
| Tier 1 risk-based capital ratio | 12.6154% | 4,763 |
| Total risk-based capital ratio | 13.7880% | 4,800 |
| Memoranda: | ||
| Average total assets | $162,087,000 | 3,741 |
| Average earning assets | $139,979,000 | 3,906 |
| Average equity | $14,480,670 | 4,093 |
| Average total loans | $86,201,330 | 4,245 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 6,046 |
| Cost of funding earning assets | 0.8952% | 6,786 |
| Net interest margin | 3.8613% | 3,503 |
| Noninterest income to average assets | 0.7219% | 2,453 |
| Noninterest expense to average assets | 2.9761% | 3,765 |
| Loan and lease loss provision to assets | 0.2217% | 4,282 |
| Net operating income to assets | 0.8500% | 2,753 |
| Return on assets (ROA) | 0.9387% | 2,462 |
| Pretax return on assets | 0.9387% | 3,318 |
| Return on Equity (ROE) | 10.6209% | 1,901 |
| Retained earnings to average equity (ytd only) | -3.4846% | 6,426 |
| Net charge-offs to loans | -0.0049% | 6,810 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5240% | 3,655 |
| Assets per employee ($millions) | 2.9684% | 6,287 |
| Cash dividends to net income (ytd only)* | 132.8084% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 3,890 |
| Loan loss allowance to noncurrent loans | 234.1509% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 6,524 |
| Noncurrent loans to loans | 0.6422% | 6,037 |
| Net loans and leases to total assets | 49.7927% | 6,481 |
| Net loans and leases to deposits | 56.8046% | 6,717 |
| Net loans and leases to core deposits | 60.4719% | 6,706 |
| Total domestic deposits to total assets | 87.6561% | 2,258 |
| Equity capital to assets | 8.7393% | 5,671 |
| Core capital (leverage) ratio | 8.1765% | 5,946 |
| Tier 1 risk-based capital ratio | 13.3082% | 4,119 |
| Total risk-based capital ratio | 14.5394% | 4,079 |
| Memoranda: | ||
| Average total assets | $162,358,500 | 3,795 |
| Average earning assets | $139,851,000 | 3,966 |
| Average equity | $14,349,000 | 4,156 |
| Average total loans | $82,128,000 | 4,438 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 4,727 |
| Cost of funding earning assets | 1.3504% | 6,141 |
| Net interest margin | 4.0441% | 2,673 |
| Noninterest income to average assets | 0.6281% | 3,437 |
| Noninterest expense to average assets | 3.2391% | 3,241 |
| Loan and lease loss provision to assets | 0.1689% | 6,000 |
| Net operating income to assets | 0.7551% | 2,696 |
| Return on assets (ROA) | -3.0801% | 7,420 |
| Pretax return on assets | -3.0801% | 7,316 |
| Return on Equity (ROE) | -38.1188% | 7,536 |
| Retained earnings to average equity (ytd only) | -40.5752% | 7,560 |
| Net charge-offs to loans | 0.2611% | 4,990 |
| Credit loss provision to net charge-offs | 130.4762% | 3,905 |
| Earnings coverage of net charge-offs (x) | 7.1381% | 2,211 |
| Efficiency ratio | 77.8057% | 3,226 |
| Assets per employee ($millions) | 2.9899% | 6,251 |
| Cash dividends to net income (ytd only)* | -6.4439% | 7,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 4,207 |
| Loan loss allowance to noncurrent loans | 298.4416% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 6,695 |
| Noncurrent loans to loans | 0.4711% | 6,313 |
| Net loans and leases to total assets | 49.9046% | 6,653 |
| Net loans and leases to deposits | 57.1569% | 6,837 |
| Net loans and leases to core deposits | 67.7910% | 6,891 |
| Total domestic deposits to total assets | 87.3116% | 2,315 |
| Equity capital to assets | 8.9375% | 5,236 |
| Core capital (leverage) ratio | 8.6735% | 4,968 |
| Tier 1 risk-based capital ratio | 13.2422% | 3,990 |
| Total risk-based capital ratio | 14.3661% | 4,017 |
| Memoranda: | ||
| Average total assets | $162,237,400 | 3,724 |
| Average earning assets | $141,811,400 | 3,862 |
| Average equity | $13,109,000 | 4,487 |
| Average total loans | $80,415,400 | 4,493 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4185% | 4,857 |
| Cost of funding earning assets | 1.4523% | 6,028 |
| Net interest margin | 3.9662% | 2,958 |
| Noninterest income to average assets | 0.5967% | 3,738 |
| Noninterest expense to average assets | 3.1971% | 3,304 |
| Loan and lease loss provision to assets | 0.1494% | 5,858 |
| Net operating income to assets | 0.7429% | 3,051 |
| Return on assets (ROA) | -1.7484% | 7,216 |
| Pretax return on assets | -1.7484% | 7,068 |
| Return on Equity (ROE) | -22.2238% | 7,451 |
| Retained earnings to average equity (ytd only) | -24.3106% | 7,467 |
| Net charge-offs to loans | 0.3230% | 4,021 |
| Credit loss provision to net charge-offs | 93.8144% | 5,382 |
| Earnings coverage of net charge-offs (x) | 5.6031% | 2,778 |
| Efficiency ratio | 78.1815% | 3,139 |
| Assets per employee ($millions) | 2.8305% | 6,588 |
| Cash dividends to net income (ytd only)* | -9.3897% | 7,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 4,713 |
| Loan loss allowance to noncurrent loans | 322.5225% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 6,796 |
| Noncurrent loans to loans | 0.3927% | 6,555 |
| Net loans and leases to total assets | 54.7789% | 6,299 |
| Net loans and leases to deposits | 62.9295% | 6,593 |
| Net loans and leases to core deposits | 76.0599% | 6,612 |
| Total domestic deposits to total assets | 87.0480% | 2,159 |
| Equity capital to assets | 8.9441% | 5,568 |
| Core capital (leverage) ratio | 9.4032% | 4,042 |
| Tier 1 risk-based capital ratio | 9.5859% | 7,312 |
| Total risk-based capital ratio | 10.2885% | 7,615 |
| Memoranda: | ||
| Average total assets | $162,433,250 | 3,754 |
| Average earning assets | $143,037,500 | 3,863 |
| Average equity | $12,778,750 | 4,589 |
| Average total loans | $80,088,750 | 4,547 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2538% | 5,847 |
| Cost of funding earning assets | 1.4958% | 6,159 |
| Net interest margin | 3.7580% | 3,726 |
| Noninterest income to average assets | 0.5543% | 3,999 |
| Noninterest expense to average assets | 2.9053% | 4,483 |
| Loan and lease loss provision to assets | 0.1087% | 6,071 |
| Net operating income to assets | 0.8622% | 2,601 |
| Return on assets (ROA) | -0.9600% | 6,947 |
| Pretax return on assets | -0.9600% | 6,787 |
| Return on Equity (ROE) | -12.7390% | 7,213 |
| Retained earnings to average equity (ytd only) | -14.5337% | 7,217 |
| Net charge-offs to loans | 0.3413% | 3,470 |
| Credit loss provision to net charge-offs | 67.1642% | 5,469 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,705 |
| Efficiency ratio | 74.9533% | 3,883 |
| Assets per employee ($millions) | 2.8282% | 6,562 |
| Cash dividends to net income (ytd only)* | -14.0881% | 7,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 4,395 |
| Loan loss allowance to noncurrent loans | 270.6494% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,701 |
| Noncurrent loans to loans | 0.4729% | 6,343 |
| Net loans and leases to total assets | 50.7517% | 6,803 |
| Net loans and leases to deposits | 58.2955% | 7,003 |
| Net loans and leases to core deposits | 70.3672% | 6,999 |
| Total domestic deposits to total assets | 87.0594% | 2,224 |
| Equity capital to assets | 9.1535% | 5,092 |
| Core capital (leverage) ratio | 9.8390% | 3,464 |
| Tier 1 risk-based capital ratio | 9.7176% | 7,215 |
| Total risk-based capital ratio | 10.3475% | 7,654 |
| Memoranda: | ||
| Average total assets | $165,628,000 | 3,713 |
| Average earning assets | $146,408,000 | 3,809 |
| Average equity | $12,481,330 | 4,685 |
| Average total loans | $78,517,330 | 4,634 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 6,539 |
| Cost of funding earning assets | 1.4925% | 6,426 |
| Net interest margin | 3.6434% | 4,124 |
| Noninterest income to average assets | 0.4868% | 4,442 |
| Noninterest expense to average assets | 2.8218% | 4,469 |
| Loan and lease loss provision to assets | 0.2127% | 4,316 |
| Net operating income to assets | 0.6830% | 3,643 |
| Return on assets (ROA) | -0.1560% | 6,592 |
| Pretax return on assets | -0.1560% | 6,522 |
| Return on Equity (ROE) | -2.3010% | 6,699 |
| Retained earnings to average equity (ytd only) | -2.3010% | 6,158 |
| Net charge-offs to loans | 0.3581% | 2,655 |
| Credit loss provision to net charge-offs | 130.4348% | 3,071 |
| Earnings coverage of net charge-offs (x) | 5.4928% | 2,668 |
| Efficiency ratio | 75.9059% | 3,509 |
| Assets per employee ($millions) | 3.0136% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 3,158 |
| Loan loss allowance to noncurrent loans | 150.6122% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 6,095 |
| Noncurrent loans to loans | 0.9743% | 5,046 |
| Net loans and leases to total assets | 44.0436% | 7,336 |
| Net loans and leases to deposits | 49.7147% | 7,508 |
| Net loans and leases to core deposits | 60.9886% | 7,420 |
| Total domestic deposits to total assets | 88.5927% | 1,432 |
| Equity capital to assets | 7.9669% | 6,858 |
| Core capital (leverage) ratio | 10.0395% | 3,367 |
| Tier 1 risk-based capital ratio | 13.4789% | 3,880 |
| Total risk-based capital ratio | 14.3611% | 4,022 |
| Memoranda: | ||
| Average total assets | $169,253,500 | 3,665 |
| Average earning assets | $150,079,000 | 3,752 |
| Average equity | $11,473,500 | 4,985 |
| Average total loans | $77,065,500 | 4,725 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1393% | 4,837 |
| Cost of funding earning assets | 1.9896% | 6,442 |
| Net interest margin | 4.1497% | 2,504 |
| Noninterest income to average assets | 0.6045% | 3,811 |
| Noninterest expense to average assets | 3.0289% | 3,977 |
| Loan and lease loss provision to assets | 0.1551% | 5,379 |
| Net operating income to assets | 1.1031% | 2,134 |
| Return on assets (ROA) | 1.1031% | 2,048 |
| Pretax return on assets | 1.1031% | 3,018 |
| Return on Equity (ROE) | 14.1893% | 1,069 |
| Retained earnings to average equity (ytd only) | 10.0947% | 437 |
| Net charge-offs to loans | 0.1532% | 4,665 |
| Credit loss provision to net charge-offs | 219.6429% | 2,186 |
| Earnings coverage of net charge-offs (x) | 17.8214% | 1,745 |
| Efficiency ratio | 70.6514% | 4,210 |
| Assets per employee ($millions) | 2.9780% | 6,110 |
| Cash dividends to net income (ytd only)* | 28.8571% | 4,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 3,307 |
| Loan loss allowance to noncurrent loans | 142.1466% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 5,806 |
| Noncurrent loans to loans | 0.9708% | 4,651 |
| Net loans and leases to total assets | 45.7210% | 7,355 |
| Net loans and leases to deposits | 50.3157% | 7,615 |
| Net loans and leases to core deposits | 61.0530% | 7,536 |
| Total domestic deposits to total assets | 90.8682% | 363 |
| Equity capital to assets | 5.5977% | 8,124 |
| Core capital (leverage) ratio | 7.1008% | 7,617 |
| Tier 1 risk-based capital ratio | 9.4926% | 7,315 |
| Total risk-based capital ratio | 10.3529% | 7,674 |
| Memoranda: | ||
| Average total assets | $158,641,000 | 3,742 |
| Average earning assets | $140,781,600 | 3,831 |
| Average equity | $12,333,200 | 4,749 |
| Average total loans | $73,112,800 | 4,772 |