Home > Wheatland Bank > Performance and Condition Ratios
Wheatland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 2,756 |
| Cost of funding earning assets | 1.2111% | 2,773 |
| Net interest margin | 3.4538% | 2,293 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.9820% | 1,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8255% | 2,787 |
| Return on assets (ROA) | 0.8255% | 2,766 |
| Pretax return on assets | 1.0144% | 2,639 |
| Return on Equity (ROE) | 11.5000% | 2,093 |
| Retained earnings to average equity (ytd only) | 2.6305% | 3,402 |
| Net charge-offs to loans | -0.0231% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6161% | 1,394 |
| Assets per employee ($millions) | 5.1650% | 3,509 |
| Cash dividends to net income (ytd only)* | 77.1250% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 3,652 |
| Loan loss allowance to noncurrent loans | 433,800.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,869 |
| Noncurrent loans to loans | 0.0002% | 3,817 |
| Net loans and leases to total assets | 64.1900% | 2,443 |
| Net loans and leases to deposits | 75.0761% | 2,538 |
| Net loans and leases to core deposits | 80.1437% | 2,695 |
| Total domestic deposits to total assets | 85.4900% | 2,164 |
| Equity capital to assets | 7.5855% | 3,669 |
| Core capital (leverage) ratio | 9.4643% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4040% | 2,101 |
| Memoranda: | ||
| Average total assets | $738,240,000 | 1,258 |
| Average earning assets | $682,377,600 | 1,263 |
| Average equity | $52,994,200 | 1,530 |
| Average total loans | $459,723,400 | 1,327 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 2,795 |
| Cost of funding earning assets | 1.1439% | 2,607 |
| Net interest margin | 3.4072% | 2,437 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.9307% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8406% | 2,895 |
| Return on assets (ROA) | 0.8406% | 2,878 |
| Pretax return on assets | 1.0308% | 2,767 |
| Return on Equity (ROE) | 11.8800% | 2,157 |
| Retained earnings to average equity (ytd only) | 10.2225% | 1,338 |
| Net charge-offs to loans | -0.0347% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.9788% | 1,361 |
| Assets per employee ($millions) | 5.3331% | 3,319 |
| Cash dividends to net income (ytd only)* | 13.9186% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 3,773 |
| Loan loss allowance to noncurrent loans | 10,877.5000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,815 |
| Noncurrent loans to loans | 0.0081% | 3,749 |
| Net loans and leases to total assets | 63.8200% | 2,467 |
| Net loans and leases to deposits | 79.9191% | 2,058 |
| Net loans and leases to core deposits | 85.1647% | 2,245 |
| Total domestic deposits to total assets | 79.8500% | 3,554 |
| Equity capital to assets | 7.2227% | 3,503 |
| Core capital (leverage) ratio | 9.5059% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4792% | 2,084 |
| Memoranda: | ||
| Average total assets | $740,732,000 | 1,251 |
| Average earning assets | $684,538,750 | 1,257 |
| Average equity | $52,432,000 | 1,536 |
| Average total loans | $456,707,750 | 1,324 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 2,856 |
| Cost of funding earning assets | 0.9529% | 2,760 |
| Net interest margin | 3.4598% | 2,365 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.8698% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8467% | 2,933 |
| Return on assets (ROA) | 0.8467% | 2,942 |
| Pretax return on assets | 1.0471% | 2,784 |
| Return on Equity (ROE) | 12.0500% | 2,143 |
| Retained earnings to average equity (ytd only) | 11.4650% | 1,079 |
| Net charge-offs to loans | -0.0611% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.2665% | 1,432 |
| Assets per employee ($millions) | 5.3098% | 3,319 |
| Cash dividends to net income (ytd only)* | 4.8309% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 3,718 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 62.4100% | 2,536 |
| Net loans and leases to deposits | 77.3090% | 2,192 |
| Net loans and leases to core deposits | 81.7193% | 2,356 |
| Total domestic deposits to total assets | 80.7300% | 3,468 |
| Equity capital to assets | 7.0050% | 3,799 |
| Core capital (leverage) ratio | 9.5409% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5317% | 2,081 |
| Memoranda: | ||
| Average total assets | $733,430,667 | 1,255 |
| Average earning assets | $677,900,000 | 1,257 |
| Average equity | $51,548,333 | 1,561 |
| Average total loans | $445,259,667 | 1,328 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,848 |
| Cost of funding earning assets | 0.7175% | 2,997 |
| Net interest margin | 3.5609% | 2,219 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.0356% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6936% | 3,490 |
| Return on assets (ROA) | 0.6936% | 3,439 |
| Pretax return on assets | 0.8518% | 3,342 |
| Return on Equity (ROE) | 9.8500% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.6734% | 2,032 |
| Net charge-offs to loans | 0.0046% | 1,799 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 360 |
| Efficiency ratio | 78.0876% | 995 |
| Assets per employee ($millions) | 5.2152% | 3,492 |
| Cash dividends to net income (ytd only)* | 11.9617% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,671 |
| Loan loss allowance to noncurrent loans | 60,385.7143% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,931 |
| Noncurrent loans to loans | 0.0016% | 3,862 |
| Net loans and leases to total assets | 59.7000% | 2,693 |
| Net loans and leases to deposits | 68.7741% | 2,715 |
| Net loans and leases to core deposits | 70.8302% | 2,895 |
| Total domestic deposits to total assets | 86.8100% | 2,337 |
| Equity capital to assets | 7.2311% | 3,716 |
| Core capital (leverage) ratio | 9.5209% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7919% | 2,049 |
| Memoranda: | ||
| Average total assets | $723,151,000 | 1,280 |
| Average earning assets | $667,357,000 | 1,289 |
| Average equity | $50,914,000 | 1,589 |
| Average total loans | $430,423,000 | 1,385 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5670% | 2,893 |
| Cost of funding earning assets | 0.0983% | 4,398 |
| Net interest margin | 3.4687% | 2,044 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.9790% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9393% | 2,820 |
| Return on assets (ROA) | 0.9393% | 2,759 |
| Pretax return on assets | 1.1668% | 2,539 |
| Return on Equity (ROE) | 13.0100% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.7520% | 724 |
| Net charge-offs to loans | -0.0035% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.8558% | 1,460 |
| Assets per employee ($millions) | 4.7117% | 3,882 |
| Cash dividends to net income (ytd only)* | 9.6626% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,340 |
| Loan loss allowance to noncurrent loans | 84,640.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,958 |
| Noncurrent loans to loans | 0.0012% | 3,895 |
| Net loans and leases to total assets | 58.1600% | 2,811 |
| Net loans and leases to deposits | 65.3269% | 2,929 |
| Net loans and leases to core deposits | 66.5171% | 3,095 |
| Total domestic deposits to total assets | 89.0200% | 1,712 |
| Equity capital to assets | 6.8464% | 3,747 |
| Core capital (leverage) ratio | 9.4416% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8509% | 2,031 |
| Memoranda: | ||
| Average total assets | $716,155,400 | 1,292 |
| Average earning assets | $664,165,400 | 1,286 |
| Average equity | $51,710,400 | 1,572 |
| Average total loans | $396,412,000 | 1,405 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 3,020 |
| Cost of funding earning assets | 0.0393% | 4,615 |
| Net interest margin | 3.3198% | 2,237 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 3.1160% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8093% | 3,222 |
| Return on assets (ROA) | 0.8093% | 3,186 |
| Pretax return on assets | 1.0013% | 3,008 |
| Return on Equity (ROE) | 11.0700% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.4105% | 1,512 |
| Net charge-offs to loans | -0.0038% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.6817% | 1,103 |
| Assets per employee ($millions) | 4.9776% | 3,688 |
| Cash dividends to net income (ytd only)* | 14.9528% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,353 |
| Loan loss allowance to noncurrent loans | 84,580.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,041 |
| Noncurrent loans to loans | 0.0012% | 3,975 |
| Net loans and leases to total assets | 57.1400% | 2,784 |
| Net loans and leases to deposits | 61.5448% | 3,063 |
| Net loans and leases to core deposits | 62.3070% | 3,227 |
| Total domestic deposits to total assets | 92.8500% | 620 |
| Equity capital to assets | 6.2959% | 3,848 |
| Core capital (leverage) ratio | 9.1994% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8571% | 2,110 |
| Memoranda: | ||
| Average total assets | $716,150,250 | 1,298 |
| Average earning assets | $665,603,500 | 1,290 |
| Average equity | $52,380,000 | 1,583 |
| Average total loans | $390,333,000 | 1,412 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1397% | 3,208 |
| Cost of funding earning assets | 0.0318% | 4,687 |
| Net interest margin | 3.1080% | 2,510 |
| Noninterest income to average assets | 1.0538% | 600 |
| Noninterest expense to average assets | 3.0775% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7048% | 3,296 |
| Return on assets (ROA) | 0.7048% | 3,246 |
| Pretax return on assets | 0.8679% | 3,152 |
| Return on Equity (ROE) | 9.2128% | 2,628 |
| Retained earnings to average equity (ytd only) | 6.8449% | 2,033 |
| Net charge-offs to loans | 0.0031% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 519.0000% | 251 |
| Efficiency ratio | 78.0023% | 1,083 |
| Assets per employee ($millions) | 5.1517% | 3,546 |
| Cash dividends to net income (ytd only)* | 25.7019% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.3519% | 2,818 |
| Net loans and leases to deposits | 59.9115% | 3,056 |
| Net loans and leases to core deposits | 60.7568% | 3,214 |
| Total domestic deposits to total assets | 92.3895% | 694 |
| Equity capital to assets | 6.7850% | 3,891 |
| Core capital (leverage) ratio | 8.9211% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7676% | 2,174 |
| Memoranda: | ||
| Average total assets | $717,600,000 | 1,291 |
| Average earning assets | $667,641,333 | 1,292 |
| Average equity | $54,902,000 | 1,549 |
| Average total loans | $383,449,667 | 1,425 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0199% | 3,195 |
| Cost of funding earning assets | 0.0303% | 4,707 |
| Net interest margin | 2.9896% | 2,533 |
| Noninterest income to average assets | 1.0836% | 575 |
| Noninterest expense to average assets | 3.0694% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6503% | 3,228 |
| Return on assets (ROA) | 0.6503% | 3,207 |
| Pretax return on assets | 0.8029% | 3,104 |
| Return on Equity (ROE) | 8.0502% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.0502% | 1,569 |
| Net charge-offs to loans | 0.0043% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 361.7500% | 275 |
| Efficiency ratio | 79.2664% | 1,203 |
| Assets per employee ($millions) | 5.0586% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,112 |
| Loan loss allowance to noncurrent loans | 644.3425% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 3,181 |
| Noncurrent loans to loans | 0.1782% | 2,927 |
| Net loans and leases to total assets | 49.8113% | 3,194 |
| Net loans and leases to deposits | 54.2672% | 3,398 |
| Net loans and leases to core deposits | 55.0204% | 3,525 |
| Total domestic deposits to total assets | 91.7889% | 661 |
| Equity capital to assets | 7.4355% | 3,973 |
| Core capital (leverage) ratio | 8.9004% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4470% | 2,019 |
| Memoranda: | ||
| Average total assets | $720,930,000 | 1,292 |
| Average earning assets | $672,470,500 | 1,289 |
| Average equity | $58,234,500 | 1,519 |
| Average total loans | $376,309,000 | 1,441 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5656% | 2,476 |
| Cost of funding earning assets | 0.0400% | 4,728 |
| Net interest margin | 3.5255% | 1,666 |
| Noninterest income to average assets | 1.6493% | 415 |
| Noninterest expense to average assets | 3.3489% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3092% | 1,577 |
| Return on assets (ROA) | 1.3092% | 1,618 |
| Pretax return on assets | 1.5892% | 1,456 |
| Return on Equity (ROE) | 14.9099% | 971 |
| Retained earnings to average equity (ytd only) | 13.9153% | 313 |
| Net charge-offs to loans | 0.0528% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 49.5540% | 1,303 |
| Efficiency ratio | 67.8172% | 2,010 |
| Assets per employee ($millions) | 5.0241% | 3,707 |
| Cash dividends to net income (ytd only)* | 6.6705% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,381 |
| Loan loss allowance to noncurrent loans | 3,195.4545% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,950 |
| Noncurrent loans to loans | 0.0342% | 3,831 |
| Net loans and leases to total assets | 53.4525% | 2,914 |
| Net loans and leases to deposits | 59.0681% | 3,160 |
| Net loans and leases to core deposits | 59.9924% | 3,313 |
| Total domestic deposits to total assets | 90.4930% | 721 |
| Equity capital to assets | 8.7334% | 3,857 |
| Core capital (leverage) ratio | 8.9088% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3250% | 2,115 |
| Memoranda: | ||
| Average total assets | $664,158,600 | 1,334 |
| Average earning assets | $619,564,000 | 1,340 |
| Average equity | $58,317,000 | 1,548 |
| Average total loans | $403,334,800 | 1,363 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 2,296 |
| Cost of funding earning assets | 0.0432% | 4,804 |
| Net interest margin | 3.6485% | 1,471 |
| Noninterest income to average assets | 1.7163% | 432 |
| Noninterest expense to average assets | 3.3627% | 563 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4343% | 1,431 |
| Return on assets (ROA) | 1.4343% | 1,503 |
| Pretax return on assets | 1.7544% | 1,268 |
| Return on Equity (ROE) | 16.3104% | 886 |
| Retained earnings to average equity (ytd only) | 14.9613% | 403 |
| Net charge-offs to loans | 0.0082% | 2,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 343.0800% | 402 |
| Efficiency ratio | 65.7153% | 2,138 |
| Assets per employee ($millions) | 4.8060% | 3,886 |
| Cash dividends to net income (ytd only)* | 8.2715% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,394 |
| Loan loss allowance to noncurrent loans | 2,203.0000% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,978 |
| Noncurrent loans to loans | 0.0504% | 3,861 |
| Net loans and leases to total assets | 57.5107% | 2,559 |
| Net loans and leases to deposits | 63.6993% | 2,881 |
| Net loans and leases to core deposits | 64.6585% | 3,075 |
| Total domestic deposits to total assets | 90.2846% | 638 |
| Equity capital to assets | 8.8480% | 3,963 |
| Core capital (leverage) ratio | 9.0843% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1053% | 2,322 |
| Memoranda: | ||
| Average total assets | $651,843,500 | 1,372 |
| Average earning assets | $607,582,500 | 1,374 |
| Average equity | $57,319,750 | 1,594 |
| Average total loans | $407,779,000 | 1,382 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 2,529 |
| Cost of funding earning assets | 0.0495% | 4,824 |
| Net interest margin | 3.5816% | 1,631 |
| Noninterest income to average assets | 1.7577% | 407 |
| Noninterest expense to average assets | 3.2869% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4949% | 1,307 |
| Return on assets (ROA) | 1.4949% | 1,369 |
| Pretax return on assets | 1.8116% | 1,209 |
| Return on Equity (ROE) | 17.0378% | 779 |
| Retained earnings to average equity (ytd only) | 14.9774% | 433 |
| Net charge-offs to loans | 0.0117% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 242.1667% | 445 |
| Efficiency ratio | 64.4678% | 2,366 |
| Assets per employee ($millions) | 4.7396% | 3,895 |
| Cash dividends to net income (ytd only)* | 12.0934% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,545 |
| Loan loss allowance to noncurrent loans | 16,322.2222% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,298 |
| Noncurrent loans to loans | 0.0066% | 4,213 |
| Net loans and leases to total assets | 62.3071% | 2,144 |
| Net loans and leases to deposits | 68.9495% | 2,524 |
| Net loans and leases to core deposits | 70.0318% | 2,777 |
| Total domestic deposits to total assets | 90.3663% | 617 |
| Equity capital to assets | 8.8494% | 3,929 |
| Core capital (leverage) ratio | 8.8815% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0608% | 2,346 |
| Memoranda: | ||
| Average total assets | $641,639,333 | 1,384 |
| Average earning assets | $598,510,000 | 1,381 |
| Average equity | $56,298,333 | 1,613 |
| Average total loans | $411,408,333 | 1,382 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 2,393 |
| Cost of funding earning assets | 0.0566% | 4,836 |
| Net interest margin | 3.6306% | 1,500 |
| Noninterest income to average assets | 1.5970% | 547 |
| Noninterest expense to average assets | 3.1626% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4258% | 1,506 |
| Return on assets (ROA) | 1.4258% | 1,577 |
| Pretax return on assets | 1.8249% | 1,247 |
| Return on Equity (ROE) | 16.3223% | 953 |
| Retained earnings to average equity (ytd only) | 16.3223% | 483 |
| Net charge-offs to loans | 0.0010% | 1,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2,899.0000% | 17 |
| Efficiency ratio | 63.4103% | 2,543 |
| Assets per employee ($millions) | 4.5830% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,490 |
| Loan loss allowance to noncurrent loans | 5,273.8095% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,291 |
| Noncurrent loans to loans | 0.0206% | 4,182 |
| Net loans and leases to total assets | 61.4171% | 2,348 |
| Net loans and leases to deposits | 67.7852% | 2,721 |
| Net loans and leases to core deposits | 68.9326% | 2,971 |
| Total domestic deposits to total assets | 90.6055% | 541 |
| Equity capital to assets | 8.4964% | 4,122 |
| Core capital (leverage) ratio | 8.9497% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4559% | 2,105 |
| Memoranda: | ||
| Average total assets | $635,425,500 | 1,384 |
| Average earning assets | $593,407,500 | 1,380 |
| Average equity | $55,507,000 | 1,620 |
| Average total loans | $411,144,000 | 1,380 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 2,462 |
| Cost of funding earning assets | 0.1373% | 4,767 |
| Net interest margin | 3.9481% | 1,093 |
| Noninterest income to average assets | 1.7250% | 421 |
| Noninterest expense to average assets | 3.7524% | 489 |
| Loan and lease loss provision to assets | 0.0757% | 3,432 |
| Net operating income to assets | 1.2338% | 1,434 |
| Return on assets (ROA) | 1.2338% | 1,540 |
| Pretax return on assets | 1.5351% | 1,234 |
| Return on Equity (ROE) | 12.5783% | 1,155 |
| Retained earnings to average equity (ytd only) | 12.2270% | 297 |
| Net charge-offs to loans | -0.0054% | 4,155 |
| Credit loss provision to net charge-offs | -1,904.7619% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9654% | 1,951 |
| Assets per employee ($millions) | 4.4279% | 3,992 |
| Cash dividends to net income (ytd only)* | 2.7931% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,615 |
| Loan loss allowance to noncurrent loans | 893.3468% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,932 |
| Noncurrent loans to loans | 0.1194% | 3,806 |
| Net loans and leases to total assets | 66.7637% | 1,985 |
| Net loans and leases to deposits | 74.1123% | 2,472 |
| Net loans and leases to core deposits | 75.5841% | 2,763 |
| Total domestic deposits to total assets | 90.0845% | 533 |
| Equity capital to assets | 8.9899% | 4,064 |
| Core capital (leverage) ratio | 9.1185% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2646% | 2,138 |
| Memoranda: | ||
| Average total assets | $528,109,600 | 1,474 |
| Average earning assets | $486,670,600 | 1,483 |
| Average equity | $51,803,400 | 1,637 |
| Average total loans | $392,267,600 | 1,384 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 2,213 |
| Cost of funding earning assets | 0.1505% | 4,803 |
| Net interest margin | 4.1126% | 876 |
| Noninterest income to average assets | 1.6931% | 406 |
| Noninterest expense to average assets | 3.7663% | 476 |
| Loan and lease loss provision to assets | 0.0790% | 3,328 |
| Net operating income to assets | 1.3023% | 1,353 |
| Return on assets (ROA) | 1.3023% | 1,445 |
| Pretax return on assets | 1.6186% | 1,136 |
| Return on Equity (ROE) | 12.9477% | 1,125 |
| Retained earnings to average equity (ytd only) | 12.4712% | 377 |
| Net charge-offs to loans | -0.0097% | 4,220 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9304% | 2,052 |
| Assets per employee ($millions) | 4.0901% | 4,251 |
| Cash dividends to net income (ytd only)* | 3.6805% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,740 |
| Loan loss allowance to noncurrent loans | 2,745.5696% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,322 |
| Noncurrent loans to loans | 0.0361% | 4,248 |
| Net loans and leases to total assets | 77.3176% | 924 |
| Net loans and leases to deposits | 86.4900% | 1,642 |
| Net loans and leases to core deposits | 88.4670% | 2,107 |
| Total domestic deposits to total assets | 89.3949% | 617 |
| Equity capital to assets | 9.6011% | 3,603 |
| Core capital (leverage) ratio | 9.7101% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9060% | 2,245 |
| Memoranda: | ||
| Average total assets | $506,267,000 | 1,503 |
| Average earning assets | $464,189,000 | 1,529 |
| Average equity | $50,921,500 | 1,660 |
| Average total loans | $386,497,500 | 1,396 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 2,304 |
| Cost of funding earning assets | 0.1650% | 4,846 |
| Net interest margin | 4.1995% | 921 |
| Noninterest income to average assets | 1.5505% | 424 |
| Noninterest expense to average assets | 3.7064% | 573 |
| Loan and lease loss provision to assets | 0.0614% | 3,532 |
| Net operating income to assets | 1.3104% | 1,331 |
| Return on assets (ROA) | 1.3104% | 1,439 |
| Pretax return on assets | 1.6291% | 1,160 |
| Return on Equity (ROE) | 12.8056% | 1,146 |
| Retained earnings to average equity (ytd only) | 12.0771% | 454 |
| Net charge-offs to loans | -0.0157% | 4,338 |
| Credit loss provision to net charge-offs | -517.2414% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6755% | 2,146 |
| Assets per employee ($millions) | 3.9686% | 4,344 |
| Cash dividends to net income (ytd only)* | 5.6893% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 3,675 |
| Loan loss allowance to noncurrent loans | 754.7748% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,015 |
| Noncurrent loans to loans | 0.1296% | 3,938 |
| Net loans and leases to total assets | 79.1736% | 699 |
| Net loans and leases to deposits | 88.7167% | 1,483 |
| Net loans and leases to core deposits | 90.7858% | 2,007 |
| Total domestic deposits to total assets | 89.2432% | 662 |
| Equity capital to assets | 9.6910% | 3,491 |
| Core capital (leverage) ratio | 9.7688% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6921% | 2,317 |
| Memoranda: | ||
| Average total assets | $488,241,667 | 1,534 |
| Average earning assets | $447,197,333 | 1,550 |
| Average equity | $49,962,333 | 1,673 |
| Average total loans | $369,469,333 | 1,432 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 2,027 |
| Cost of funding earning assets | 0.1958% | 4,899 |
| Net interest margin | 4.3937% | 632 |
| Noninterest income to average assets | 1.4804% | 408 |
| Noninterest expense to average assets | 4.1466% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0765% | 1,918 |
| Return on assets (ROA) | 1.0765% | 2,021 |
| Pretax return on assets | 1.3340% | 1,770 |
| Return on Equity (ROE) | 10.2076% | 1,678 |
| Retained earnings to average equity (ytd only) | 9.1297% | 937 |
| Net charge-offs to loans | -0.0082% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6600% | 1,602 |
| Assets per employee ($millions) | 3.5264% | 4,462 |
| Cash dividends to net income (ytd only)* | 10.5600% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,785 |
| Loan loss allowance to noncurrent loans | 2,625.4902% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,456 |
| Noncurrent loans to loans | 0.0449% | 4,373 |
| Net loans and leases to total assets | 71.8693% | 1,939 |
| Net loans and leases to deposits | 81.3228% | 2,542 |
| Net loans and leases to core deposits | 83.7199% | 2,873 |
| Total domestic deposits to total assets | 88.3754% | 940 |
| Equity capital to assets | 10.5766% | 3,254 |
| Core capital (leverage) ratio | 10.6437% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3662% | 2,542 |
| Memoranda: | ||
| Average total assets | $464,481,000 | 1,550 |
| Average earning assets | $422,880,000 | 1,587 |
| Average equity | $48,983,000 | 1,695 |
| Average total loans | $340,018,000 | 1,490 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 1,098 |
| Cost of funding earning assets | 0.2433% | 4,863 |
| Net interest margin | 4.9118% | 324 |
| Noninterest income to average assets | 1.3901% | 495 |
| Noninterest expense to average assets | 4.1916% | 428 |
| Loan and lease loss provision to assets | 0.0841% | 2,327 |
| Net operating income to assets | 1.2103% | 2,021 |
| Return on assets (ROA) | 1.2103% | 2,109 |
| Pretax return on assets | 1.5287% | 1,718 |
| Return on Equity (ROE) | 11.8940% | 1,554 |
| Retained earnings to average equity (ytd only) | 10.4174% | 417 |
| Net charge-offs to loans | -0.0082% | 4,419 |
| Credit loss provision to net charge-offs | -1,339.2857% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2145% | 1,840 |
| Assets per employee ($millions) | 3.3820% | 4,579 |
| Cash dividends to net income (ytd only)* | 12.4143% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,525 |
| Loan loss allowance to noncurrent loans | 2,884.8921% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,494 |
| Noncurrent loans to loans | 0.0410% | 4,394 |
| Net loans and leases to total assets | 72.8195% | 1,945 |
| Net loans and leases to deposits | 82.3872% | 2,511 |
| Net loans and leases to core deposits | 84.6850% | 2,899 |
| Total domestic deposits to total assets | 88.3869% | 945 |
| Equity capital to assets | 10.5143% | 3,430 |
| Core capital (leverage) ratio | 10.5632% | 2,890 |
| Tier 1 risk-based capital ratio | 12.0628% | 4,327 |
| Total risk-based capital ratio | 13.1018% | 4,321 |
| Memoranda: | ||
| Average total assets | $445,934,800 | 1,573 |
| Average earning assets | $400,773,000 | 1,622 |
| Average equity | $45,376,000 | 1,749 |
| Average total loans | $342,820,400 | 1,450 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 1,039 |
| Cost of funding earning assets | 0.2457% | 4,930 |
| Net interest margin | 4.9563% | 318 |
| Noninterest income to average assets | 1.2967% | 553 |
| Noninterest expense to average assets | 4.1617% | 434 |
| Loan and lease loss provision to assets | 0.1130% | 1,730 |
| Net operating income to assets | 1.1656% | 2,317 |
| Return on assets (ROA) | 1.1656% | 2,405 |
| Pretax return on assets | 1.4658% | 2,057 |
| Return on Equity (ROE) | 11.5555% | 1,783 |
| Retained earnings to average equity (ytd only) | 9.6555% | 845 |
| Net charge-offs to loans | -0.0109% | 4,401 |
| Credit loss provision to net charge-offs | -1,339.2857% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4972% | 1,763 |
| Assets per employee ($millions) | 3.2864% | 4,679 |
| Cash dividends to net income (ytd only)* | 16.4426% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,054 |
| Loan loss allowance to noncurrent loans | 2,672.6667% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,560 |
| Noncurrent loans to loans | 0.0410% | 4,470 |
| Net loans and leases to total assets | 79.8434% | 865 |
| Net loans and leases to deposits | 92.0789% | 1,428 |
| Net loans and leases to core deposits | 94.4943% | 2,135 |
| Total domestic deposits to total assets | 86.7119% | 1,675 |
| Equity capital to assets | 10.2986% | 3,732 |
| Core capital (leverage) ratio | 10.3479% | 3,258 |
| Tier 1 risk-based capital ratio | 11.3219% | 4,753 |
| Total risk-based capital ratio | 12.3311% | 4,761 |
| Memoranda: | ||
| Average total assets | $442,431,750 | 1,588 |
| Average earning assets | $396,687,250 | 1,651 |
| Average equity | $44,630,000 | 1,773 |
| Average total loans | $343,790,250 | 1,458 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 1,175 |
| Cost of funding earning assets | 0.1918% | 5,086 |
| Net interest margin | 4.9276% | 335 |
| Noninterest income to average assets | 1.1556% | 637 |
| Noninterest expense to average assets | 4.1041% | 469 |
| Loan and lease loss provision to assets | 0.0857% | 2,130 |
| Net operating income to assets | 1.0909% | 2,563 |
| Return on assets (ROA) | 1.0909% | 2,628 |
| Pretax return on assets | 1.3694% | 2,308 |
| Return on Equity (ROE) | 10.8926% | 2,020 |
| Retained earnings to average equity (ytd only) | 7.9976% | 1,399 |
| Net charge-offs to loans | -0.0077% | 4,244 |
| Credit loss provision to net charge-offs | -1,446.1538% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8253% | 1,664 |
| Assets per employee ($millions) | 3.2205% | 4,760 |
| Cash dividends to net income (ytd only)* | 26.5775% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,232 |
| Loan loss allowance to noncurrent loans | 1,431.5789% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,453 |
| Noncurrent loans to loans | 0.0748% | 4,340 |
| Net loans and leases to total assets | 79.7534% | 924 |
| Net loans and leases to deposits | 93.2842% | 1,339 |
| Net loans and leases to core deposits | 94.9457% | 2,163 |
| Total domestic deposits to total assets | 85.4950% | 2,265 |
| Equity capital to assets | 10.2207% | 3,779 |
| Core capital (leverage) ratio | 10.3970% | 3,195 |
| Tier 1 risk-based capital ratio | 11.2330% | 4,817 |
| Total risk-based capital ratio | 12.2168% | 4,842 |
| Memoranda: | ||
| Average total assets | $438,736,330 | 1,596 |
| Average earning assets | $392,073,670 | 1,671 |
| Average equity | $43,938,000 | 1,793 |
| Average total loans | $336,349,330 | 1,485 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 1,241 |
| Cost of funding earning assets | 0.1681% | 5,182 |
| Net interest margin | 4.8704% | 353 |
| Noninterest income to average assets | 1.0414% | 738 |
| Noninterest expense to average assets | 4.0704% | 485 |
| Loan and lease loss provision to assets | 0.0576% | 2,508 |
| Net operating income to assets | 0.9893% | 2,890 |
| Return on assets (ROA) | 0.9893% | 2,926 |
| Pretax return on assets | 1.2306% | 2,697 |
| Return on Equity (ROE) | 9.9817% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.5204% | 1,154 |
| Net charge-offs to loans | 0.0012% | 2,721 |
| Credit loss provision to net charge-offs | 6,300.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 1,409.0000% | 33 |
| Efficiency ratio | 75.9597% | 1,503 |
| Assets per employee ($millions) | 3.2406% | 4,794 |
| Cash dividends to net income (ytd only)* | 4.6211% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 2,966 |
| Loan loss allowance to noncurrent loans | 2,027.0718% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 4,629 |
| Noncurrent loans to loans | 0.0558% | 4,519 |
| Net loans and leases to total assets | 72.8068% | 2,020 |
| Net loans and leases to deposits | 81.7799% | 2,631 |
| Net loans and leases to core deposits | 83.1791% | 3,093 |
| Total domestic deposits to total assets | 89.0277% | 843 |
| Equity capital to assets | 9.9941% | 3,833 |
| Core capital (leverage) ratio | 10.3781% | 3,186 |
| Tier 1 risk-based capital ratio | 11.4888% | 4,750 |
| Total risk-based capital ratio | 12.4753% | 4,783 |
| Memoranda: | ||
| Average total assets | $437,497,500 | 1,607 |
| Average earning assets | $387,809,500 | 1,696 |
| Average equity | $43,359,500 | 1,804 |
| Average total loans | $326,678,500 | 1,533 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 1,121 |
| Cost of funding earning assets | 0.1176% | 5,250 |
| Net interest margin | 4.8481% | 358 |
| Noninterest income to average assets | 1.2476% | 600 |
| Noninterest expense to average assets | 3.8704% | 628 |
| Loan and lease loss provision to assets | 0.0991% | 2,202 |
| Net operating income to assets | 1.2499% | 1,971 |
| Return on assets (ROA) | 1.2499% | 1,969 |
| Pretax return on assets | 1.5298% | 1,679 |
| Return on Equity (ROE) | 13.0772% | 1,312 |
| Retained earnings to average equity (ytd only) | 10.6291% | 501 |
| Net charge-offs to loans | 0.0438% | 2,543 |
| Credit loss provision to net charge-offs | 302.9197% | 1,021 |
| Earnings coverage of net charge-offs (x) | 49.7956% | 1,139 |
| Efficiency ratio | 70.3803% | 2,124 |
| Assets per employee ($millions) | 3.2652% | 4,771 |
| Cash dividends to net income (ytd only)* | 18.7202% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 3,116 |
| Loan loss allowance to noncurrent loans | 233.0103% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 3,116 |
| Noncurrent loans to loans | 0.4708% | 2,863 |
| Net loans and leases to total assets | 74.8850% | 1,787 |
| Net loans and leases to deposits | 83.9612% | 2,516 |
| Net loans and leases to core deposits | 84.2638% | 3,058 |
| Total domestic deposits to total assets | 89.1900% | 780 |
| Equity capital to assets | 9.8263% | 3,836 |
| Core capital (leverage) ratio | 10.1608% | 3,398 |
| Tier 1 risk-based capital ratio | 10.9736% | 4,992 |
| Total risk-based capital ratio | 11.9224% | 5,019 |
| Memoranda: | ||
| Average total assets | $418,818,000 | 1,635 |
| Average earning assets | $367,299,800 | 1,735 |
| Average equity | $40,031,600 | 1,858 |
| Average total loans | $312,796,800 | 1,541 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8594% | 1,280 |
| Cost of funding earning assets | 0.1115% | 5,324 |
| Net interest margin | 4.7479% | 423 |
| Noninterest income to average assets | 1.2383% | 625 |
| Noninterest expense to average assets | 3.8072% | 666 |
| Loan and lease loss provision to assets | 0.0733% | 2,489 |
| Net operating income to assets | 1.2634% | 1,985 |
| Return on assets (ROA) | 1.2634% | 1,994 |
| Pretax return on assets | 1.5455% | 1,746 |
| Return on Equity (ROE) | 13.3157% | 1,325 |
| Retained earnings to average equity (ytd only) | 11.9611% | 480 |
| Net charge-offs to loans | 0.0579% | 1,992 |
| Credit loss provision to net charge-offs | 170.1493% | 1,568 |
| Earnings coverage of net charge-offs (x) | 37.5975% | 1,407 |
| Efficiency ratio | 70.1664% | 2,165 |
| Assets per employee ($millions) | 3.3070% | 4,766 |
| Cash dividends to net income (ytd only)* | 10.1729% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,623 |
| Loan loss allowance to noncurrent loans | 188.0769% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 2,967 |
| Noncurrent loans to loans | 0.5442% | 2,750 |
| Net loans and leases to total assets | 78.1990% | 1,316 |
| Net loans and leases to deposits | 89.9689% | 1,902 |
| Net loans and leases to core deposits | 90.3101% | 2,633 |
| Total domestic deposits to total assets | 86.9179% | 1,768 |
| Equity capital to assets | 9.9144% | 3,725 |
| Core capital (leverage) ratio | 10.0882% | 3,537 |
| Tier 1 risk-based capital ratio | 10.9526% | 5,058 |
| Total risk-based capital ratio | 11.8684% | 5,115 |
| Memoranda: | ||
| Average total assets | $414,953,750 | 1,654 |
| Average earning assets | $365,991,000 | 1,743 |
| Average equity | $39,371,250 | 1,888 |
| Average total loans | $308,792,500 | 1,559 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 1,411 |
| Cost of funding earning assets | 0.0649% | 5,465 |
| Net interest margin | 4.6726% | 472 |
| Noninterest income to average assets | 1.1782% | 688 |
| Noninterest expense to average assets | 3.6892% | 769 |
| Loan and lease loss provision to assets | 0.0194% | 3,512 |
| Net operating income to assets | 1.2703% | 1,896 |
| Return on assets (ROA) | 1.2703% | 1,898 |
| Pretax return on assets | 1.5566% | 1,640 |
| Return on Equity (ROE) | 13.5980% | 1,182 |
| Retained earnings to average equity (ytd only) | 11.5204% | 584 |
| Net charge-offs to loans | 0.0893% | 1,456 |
| Credit loss provision to net charge-offs | 29.8507% | 2,625 |
| Earnings coverage of net charge-offs (x) | 24.2388% | 1,685 |
| Efficiency ratio | 70.0673% | 2,302 |
| Assets per employee ($millions) | 3.3584% | 4,763 |
| Cash dividends to net income (ytd only)* | 15.2788% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,831 |
| Loan loss allowance to noncurrent loans | 954.2773% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,599 |
| Noncurrent loans to loans | 0.1049% | 4,443 |
| Net loans and leases to total assets | 77.4582% | 1,402 |
| Net loans and leases to deposits | 89.7891% | 1,863 |
| Net loans and leases to core deposits | 90.2042% | 2,553 |
| Total domestic deposits to total assets | 86.2667% | 2,159 |
| Equity capital to assets | 9.8781% | 3,740 |
| Core capital (leverage) ratio | 10.0349% | 3,539 |
| Tier 1 risk-based capital ratio | 10.9820% | 5,063 |
| Total risk-based capital ratio | 11.8794% | 5,116 |
| Memoranda: | ||
| Average total assets | $412,171,000 | 1,668 |
| Average earning assets | $360,529,330 | 1,776 |
| Average equity | $38,505,670 | 1,929 |
| Average total loans | $300,243,000 | 1,603 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 1,470 |
| Cost of funding earning assets | 0.0521% | 5,549 |
| Net interest margin | 4.5852% | 520 |
| Noninterest income to average assets | 1.0930% | 772 |
| Noninterest expense to average assets | 3.5967% | 876 |
| Loan and lease loss provision to assets | -0.0214% | 5,430 |
| Net operating income to assets | 1.1853% | 2,075 |
| Return on assets (ROA) | 1.1853% | 2,084 |
| Pretax return on assets | 1.4486% | 1,845 |
| Return on Equity (ROE) | 13.0635% | 1,242 |
| Retained earnings to average equity (ytd only) | 13.0635% | 509 |
| Net charge-offs to loans | 0.0014% | 2,685 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,308 |
| Earnings coverage of net charge-offs (x) | 1,469.0000% | 38 |
| Efficiency ratio | 71.5916% | 2,251 |
| Assets per employee ($millions) | 3.4628% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 3,121 |
| Loan loss allowance to noncurrent loans | 394.0405% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 3,940 |
| Noncurrent loans to loans | 0.2904% | 3,733 |
| Net loans and leases to total assets | 68.1576% | 2,748 |
| Net loans and leases to deposits | 75.6493% | 3,251 |
| Net loans and leases to core deposits | 75.9790% | 3,667 |
| Total domestic deposits to total assets | 90.0968% | 622 |
| Equity capital to assets | 9.0140% | 4,537 |
| Core capital (leverage) ratio | 9.4440% | 4,134 |
| Tier 1 risk-based capital ratio | 10.4973% | 5,351 |
| Total risk-based capital ratio | 11.4423% | 5,377 |
| Memoranda: | ||
| Average total assets | $411,714,000 | 1,679 |
| Average earning assets | $352,960,000 | 1,823 |
| Average equity | $37,356,000 | 1,982 |
| Average total loans | $288,763,000 | 1,661 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,297 |
| Cost of funding earning assets | 0.0554% | 5,607 |
| Net interest margin | 4.2530% | 1,074 |
| Noninterest income to average assets | 0.9702% | 1,090 |
| Noninterest expense to average assets | 3.6468% | 852 |
| Loan and lease loss provision to assets | 0.0655% | 2,899 |
| Net operating income to assets | 0.7875% | 3,217 |
| Return on assets (ROA) | 0.7875% | 3,258 |
| Pretax return on assets | 1.0859% | 3,243 |
| Return on Equity (ROE) | 8.7129% | 2,443 |
| Retained earnings to average equity (ytd only) | 7.3963% | 954 |
| Net charge-offs to loans | -0.0886% | 5,339 |
| Credit loss provision to net charge-offs | -107.1429% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0030% | 1,619 |
| Assets per employee ($millions) | 3.3929% | 4,831 |
| Cash dividends to net income (ytd only)* | 15.1110% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,034 |
| Loan loss allowance to noncurrent loans | 665.8000% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 4,349 |
| Noncurrent loans to loans | 0.1732% | 4,233 |
| Net loans and leases to total assets | 70.6640% | 2,422 |
| Net loans and leases to deposits | 78.4792% | 3,067 |
| Net loans and leases to core deposits | 78.6974% | 3,531 |
| Total domestic deposits to total assets | 90.0417% | 555 |
| Equity capital to assets | 9.0461% | 4,673 |
| Core capital (leverage) ratio | 9.0872% | 4,538 |
| Tier 1 risk-based capital ratio | 10.2014% | 5,481 |
| Total risk-based capital ratio | 11.1608% | 5,510 |
| Memoranda: | ||
| Average total assets | $389,077,000 | 1,757 |
| Average earning assets | $350,202,600 | 1,804 |
| Average equity | $35,166,400 | 2,071 |
| Average total loans | $268,522,000 | 1,719 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 2,656 |
| Cost of funding earning assets | 0.0546% | 5,673 |
| Net interest margin | 4.1336% | 1,310 |
| Noninterest income to average assets | 0.8960% | 1,282 |
| Noninterest expense to average assets | 3.5567% | 910 |
| Loan and lease loss provision to assets | 0.0927% | 2,233 |
| Net operating income to assets | 0.7130% | 3,905 |
| Return on assets (ROA) | 0.7130% | 3,970 |
| Pretax return on assets | 0.9904% | 3,721 |
| Return on Equity (ROE) | 7.8902% | 3,181 |
| Retained earnings to average equity (ytd only) | 6.3589% | 2,029 |
| Net charge-offs to loans | -0.1199% | 5,427 |
| Credit loss provision to net charge-offs | -113.0802% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6552% | 1,502 |
| Assets per employee ($millions) | 3.1919% | 5,077 |
| Cash dividends to net income (ytd only)* | 19.4081% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,298 |
| Loan loss allowance to noncurrent loans | 542.3701% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 4,355 |
| Noncurrent loans to loans | 0.2086% | 4,241 |
| Net loans and leases to total assets | 72.5785% | 2,170 |
| Net loans and leases to deposits | 83.8482% | 2,572 |
| Net loans and leases to core deposits | 84.2979% | 3,105 |
| Total domestic deposits to total assets | 86.5594% | 2,069 |
| Equity capital to assets | 8.9243% | 4,979 |
| Core capital (leverage) ratio | 9.1014% | 4,631 |
| Tier 1 risk-based capital ratio | 10.1251% | 5,567 |
| Total risk-based capital ratio | 11.1019% | 5,595 |
| Memoranda: | ||
| Average total assets | $385,408,000 | 1,782 |
| Average earning assets | $349,062,750 | 1,816 |
| Average equity | $34,827,000 | 2,097 |
| Average total loans | $263,493,250 | 1,754 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 2,931 |
| Cost of funding earning assets | 0.0472% | 5,726 |
| Net interest margin | 4.0242% | 1,535 |
| Noninterest income to average assets | 0.7809% | 1,641 |
| Noninterest expense to average assets | 3.4480% | 1,082 |
| Loan and lease loss provision to assets | 0.1838% | 1,026 |
| Net operating income to assets | 0.5776% | 4,399 |
| Return on assets (ROA) | 0.5776% | 4,458 |
| Pretax return on assets | 0.7883% | 4,318 |
| Return on Equity (ROE) | 6.3646% | 3,885 |
| Retained earnings to average equity (ytd only) | 4.0439% | 3,303 |
| Net charge-offs to loans | -0.1147% | 5,453 |
| Credit loss provision to net charge-offs | -240.6897% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0081% | 1,461 |
| Assets per employee ($millions) | 3.3575% | 4,910 |
| Cash dividends to net income (ytd only)* | 36.4631% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,786 |
| Loan loss allowance to noncurrent loans | 905.1630% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,667 |
| Noncurrent loans to loans | 0.1365% | 4,570 |
| Net loans and leases to total assets | 68.3664% | 2,754 |
| Net loans and leases to deposits | 75.8186% | 3,365 |
| Net loans and leases to core deposits | 76.1669% | 3,757 |
| Total domestic deposits to total assets | 90.1711% | 477 |
| Equity capital to assets | 8.9711% | 4,930 |
| Core capital (leverage) ratio | 9.1111% | 4,602 |
| Tier 1 risk-based capital ratio | 10.6441% | 5,403 |
| Total risk-based capital ratio | 11.6717% | 5,421 |
| Memoranda: | ||
| Average total assets | $379,815,670 | 1,806 |
| Average earning assets | $343,475,670 | 1,845 |
| Average equity | $34,472,000 | 2,114 |
| Average total loans | $252,910,670 | 1,806 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 3,137 |
| Cost of funding earning assets | 0.0472% | 5,791 |
| Net interest margin | 3.9256% | 1,690 |
| Noninterest income to average assets | 0.5888% | 2,465 |
| Noninterest expense to average assets | 3.3388% | 1,314 |
| Loan and lease loss provision to assets | 0.1728% | 1,020 |
| Net operating income to assets | 0.4640% | 4,727 |
| Return on assets (ROA) | 0.4640% | 4,747 |
| Pretax return on assets | 0.6240% | 4,673 |
| Return on Equity (ROE) | 5.0821% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.0821% | 2,841 |
| Net charge-offs to loans | -0.1014% | 5,446 |
| Credit loss provision to net charge-offs | -261.2903% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7325% | 1,291 |
| Assets per employee ($millions) | 3.4404% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,863 |
| Loan loss allowance to noncurrent loans | 11,769.2308% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 5,137 |
| Noncurrent loans to loans | 0.0106% | 5,205 |
| Net loans and leases to total assets | 62.9791% | 3,402 |
| Net loans and leases to deposits | 69.8561% | 3,810 |
| Net loans and leases to core deposits | 70.0588% | 4,149 |
| Total domestic deposits to total assets | 90.1555% | 597 |
| Equity capital to assets | 8.9577% | 4,849 |
| Core capital (leverage) ratio | 9.2345% | 4,427 |
| Tier 1 risk-based capital ratio | 11.2462% | 5,175 |
| Total risk-based capital ratio | 12.2513% | 5,221 |
| Memoranda: | ||
| Average total assets | $374,987,500 | 1,835 |
| Average earning assets | $338,802,500 | 1,874 |
| Average equity | $34,238,000 | 2,131 |
| Average total loans | $244,566,500 | 1,868 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,005 |
| Cost of funding earning assets | 0.0574% | 5,823 |
| Net interest margin | 3.9979% | 1,631 |
| Noninterest income to average assets | 0.6531% | 2,407 |
| Noninterest expense to average assets | 3.2208% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7128% | 3,727 |
| Return on assets (ROA) | 0.7128% | 3,841 |
| Pretax return on assets | 0.9971% | 3,488 |
| Return on Equity (ROE) | 7.8941% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.5909% | 1,002 |
| Net charge-offs to loans | 0.1093% | 2,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.0579% | 2,320 |
| Efficiency ratio | 76.3602% | 1,926 |
| Assets per employee ($millions) | 3.5750% | 4,648 |
| Cash dividends to net income (ytd only)* | 3.8417% | 4,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,338 |
| Loan loss allowance to noncurrent loans | 2,923.7113% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 5,074 |
| Noncurrent loans to loans | 0.0399% | 5,096 |
| Net loans and leases to total assets | 65.9708% | 3,077 |
| Net loans and leases to deposits | 73.4564% | 3,571 |
| Net loans and leases to core deposits | 73.6825% | 3,946 |
| Total domestic deposits to total assets | 89.8095% | 719 |
| Equity capital to assets | 9.3129% | 4,461 |
| Core capital (leverage) ratio | 9.2553% | 4,398 |
| Tier 1 risk-based capital ratio | 10.9780% | 5,355 |
| Total risk-based capital ratio | 11.8989% | 5,429 |
| Memoranda: | ||
| Average total assets | $365,159,600 | 1,829 |
| Average earning assets | $325,597,200 | 1,893 |
| Average equity | $32,973,800 | 2,180 |
| Average total loans | $237,002,800 | 1,864 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,105 |
| Cost of funding earning assets | 0.0611% | 5,884 |
| Net interest margin | 3.9700% | 1,744 |
| Noninterest income to average assets | 0.6442% | 2,456 |
| Noninterest expense to average assets | 3.1996% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7052% | 3,815 |
| Return on assets (ROA) | 0.7052% | 3,950 |
| Pretax return on assets | 0.9811% | 3,702 |
| Return on Equity (ROE) | 7.8709% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.8709% | 1,225 |
| Net charge-offs to loans | -0.0006% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5322% | 1,903 |
| Assets per employee ($millions) | 3.7649% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 3,030 |
| Loan loss allowance to noncurrent loans | 716.6667% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,822 |
| Noncurrent loans to loans | 0.1725% | 4,666 |
| Net loans and leases to total assets | 67.0521% | 2,945 |
| Net loans and leases to deposits | 75.9035% | 3,409 |
| Net loans and leases to core deposits | 76.1380% | 3,819 |
| Total domestic deposits to total assets | 88.3386% | 1,216 |
| Equity capital to assets | 9.1584% | 5,022 |
| Core capital (leverage) ratio | 9.0434% | 4,785 |
| Tier 1 risk-based capital ratio | 10.8296% | 5,465 |
| Total risk-based capital ratio | 11.8383% | 5,495 |
| Memoranda: | ||
| Average total assets | $365,285,750 | 1,838 |
| Average earning assets | $325,398,000 | 1,905 |
| Average equity | $32,727,250 | 2,204 |
| Average total loans | $235,403,000 | 1,872 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 3,529 |
| Cost of funding earning assets | 0.0544% | 5,978 |
| Net interest margin | 3.8694% | 2,083 |
| Noninterest income to average assets | 0.6136% | 2,546 |
| Noninterest expense to average assets | 3.1835% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6268% | 4,160 |
| Return on assets (ROA) | 0.6268% | 4,291 |
| Pretax return on assets | 0.8702% | 4,049 |
| Return on Equity (ROE) | 7.0492% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.0492% | 1,575 |
| Net charge-offs to loans | -0.0052% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5337% | 1,705 |
| Assets per employee ($millions) | 3.7218% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,991 |
| Loan loss allowance to noncurrent loans | 90.1192% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 2,156 |
| Noncurrent loans to loans | 1.4029% | 1,593 |
| Net loans and leases to total assets | 67.0827% | 2,927 |
| Net loans and leases to deposits | 75.9589% | 3,389 |
| Net loans and leases to core deposits | 76.1989% | 3,805 |
| Total domestic deposits to total assets | 88.3145% | 1,269 |
| Equity capital to assets | 9.1601% | 5,102 |
| Core capital (leverage) ratio | 9.0896% | 4,728 |
| Tier 1 risk-based capital ratio | 10.8839% | 5,490 |
| Total risk-based capital ratio | 11.9241% | 5,510 |
| Memoranda: | ||
| Average total assets | $364,060,670 | 1,844 |
| Average earning assets | $323,664,330 | 1,911 |
| Average equity | $32,372,670 | 2,226 |
| Average total loans | $230,373,330 | 1,910 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 3,531 |
| Cost of funding earning assets | 0.0497% | 6,053 |
| Net interest margin | 3.8656% | 2,053 |
| Noninterest income to average assets | 0.5985% | 2,543 |
| Noninterest expense to average assets | 3.1380% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6204% | 4,090 |
| Return on assets (ROA) | 0.6204% | 4,209 |
| Pretax return on assets | 0.8611% | 3,999 |
| Return on Equity (ROE) | 7.0821% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.0821% | 1,850 |
| Net charge-offs to loans | -0.0359% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4679% | 1,826 |
| Assets per employee ($millions) | 4.1446% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 2,459 |
| Loan loss allowance to noncurrent loans | 318.5072% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 4,385 |
| Noncurrent loans to loans | 0.4372% | 3,875 |
| Net loans and leases to total assets | 58.4891% | 3,988 |
| Net loans and leases to deposits | 64.5511% | 4,387 |
| Net loans and leases to core deposits | 64.7409% | 4,641 |
| Total domestic deposits to total assets | 90.6090% | 396 |
| Equity capital to assets | 8.5754% | 5,518 |
| Core capital (leverage) ratio | 9.0380% | 4,803 |
| Tier 1 risk-based capital ratio | 11.2058% | 5,394 |
| Total risk-based capital ratio | 12.3010% | 5,389 |
| Memoranda: | ||
| Average total assets | $365,585,500 | 1,835 |
| Average earning assets | $321,610,000 | 1,926 |
| Average equity | $32,024,500 | 2,245 |
| Average total loans | $222,921,500 | 1,963 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 4,388 |
| Cost of funding earning assets | 0.0661% | 6,079 |
| Net interest margin | 3.6260% | 3,034 |
| Noninterest income to average assets | 0.6111% | 2,666 |
| Noninterest expense to average assets | 3.1663% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5347% | 4,561 |
| Return on assets (ROA) | 0.5542% | 4,571 |
| Pretax return on assets | 0.7833% | 4,247 |
| Return on Equity (ROE) | 6.2246% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.1267% | 1,729 |
| Net charge-offs to loans | -0.0143% | 5,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7314% | 1,576 |
| Assets per employee ($millions) | 3.6124% | 4,626 |
| Cash dividends to net income (ytd only)* | 1.5715% | 4,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 2,456 |
| Loan loss allowance to noncurrent loans | 367.4584% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 4,477 |
| Noncurrent loans to loans | 0.3791% | 4,091 |
| Net loans and leases to total assets | 61.8728% | 3,579 |
| Net loans and leases to deposits | 68.5403% | 4,079 |
| Net loans and leases to core deposits | 68.7559% | 4,392 |
| Total domestic deposits to total assets | 90.2721% | 512 |
| Equity capital to assets | 8.9562% | 5,165 |
| Core capital (leverage) ratio | 8.9479% | 4,944 |
| Tier 1 risk-based capital ratio | 11.1182% | 5,461 |
| Total risk-based capital ratio | 12.2171% | 5,441 |
| Memoranda: | ||
| Average total assets | $344,436,200 | 1,897 |
| Average earning assets | $314,509,200 | 1,930 |
| Average equity | $30,668,800 | 2,274 |
| Average total loans | $202,678,800 | 2,053 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 4,613 |
| Cost of funding earning assets | 0.0690% | 6,157 |
| Net interest margin | 3.5695% | 3,273 |
| Noninterest income to average assets | 0.6354% | 2,555 |
| Noninterest expense to average assets | 3.2260% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4953% | 4,807 |
| Return on assets (ROA) | 0.5216% | 4,804 |
| Pretax return on assets | 0.7344% | 4,554 |
| Return on Equity (ROE) | 5.8665% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.7349% | 2,413 |
| Net charge-offs to loans | -0.0148% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2255% | 1,360 |
| Assets per employee ($millions) | 3.6654% | 4,497 |
| Cash dividends to net income (ytd only)* | 2.2422% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 2,617 |
| Loan loss allowance to noncurrent loans | 284.2541% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 4,349 |
| Noncurrent loans to loans | 0.4916% | 3,873 |
| Net loans and leases to total assets | 63.2218% | 3,418 |
| Net loans and leases to deposits | 70.1778% | 3,964 |
| Net loans and leases to core deposits | 70.4049% | 4,335 |
| Total domestic deposits to total assets | 90.0880% | 538 |
| Equity capital to assets | 9.0370% | 5,274 |
| Core capital (leverage) ratio | 9.0361% | 4,953 |
| Tier 1 risk-based capital ratio | 11.1544% | 5,572 |
| Total risk-based capital ratio | 12.2748% | 5,549 |
| Memoranda: | ||
| Average total assets | $342,042,250 | 1,923 |
| Average earning assets | $315,069,000 | 1,932 |
| Average equity | $30,409,500 | 2,307 |
| Average total loans | $197,815,750 | 2,094 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 5,054 |
| Cost of funding earning assets | 0.0715% | 6,216 |
| Net interest margin | 3.4025% | 3,900 |
| Noninterest income to average assets | 0.6166% | 2,646 |
| Noninterest expense to average assets | 3.1723% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4273% | 5,047 |
| Return on assets (ROA) | 0.4666% | 5,005 |
| Pretax return on assets | 0.6512% | 4,818 |
| Return on Equity (ROE) | 5.2773% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.0784% | 2,814 |
| Net charge-offs to loans | -0.0147% | 5,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1680% | 1,245 |
| Assets per employee ($millions) | 3.4262% | 4,943 |
| Cash dividends to net income (ytd only)* | 3.7688% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 2,623 |
| Loan loss allowance to noncurrent loans | 351.5982% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 4,658 |
| Noncurrent loans to loans | 0.4062% | 4,261 |
| Net loans and leases to total assets | 62.0494% | 3,543 |
| Net loans and leases to deposits | 68.7652% | 4,058 |
| Net loans and leases to core deposits | 68.9886% | 4,416 |
| Total domestic deposits to total assets | 90.2336% | 564 |
| Equity capital to assets | 8.9089% | 5,331 |
| Core capital (leverage) ratio | 8.8422% | 5,169 |
| Tier 1 risk-based capital ratio | 11.3955% | 5,527 |
| Total risk-based capital ratio | 12.5580% | 5,501 |
| Memoranda: | ||
| Average total assets | $341,205,670 | 1,942 |
| Average earning assets | $316,122,000 | 1,939 |
| Average equity | $30,167,000 | 2,328 |
| Average total loans | $190,114,670 | 2,182 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3307% | 5,371 |
| Cost of funding earning assets | 0.0747% | 6,284 |
| Net interest margin | 3.2560% | 4,398 |
| Noninterest income to average assets | 0.5850% | 2,736 |
| Noninterest expense to average assets | 3.0955% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3747% | 5,167 |
| Return on assets (ROA) | 0.3747% | 5,288 |
| Pretax return on assets | 0.5122% | 5,149 |
| Return on Equity (ROE) | 4.2550% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.8548% | 3,687 |
| Net charge-offs to loans | -0.0135% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8027% | 1,197 |
| Assets per employee ($millions) | 3.5812% | 4,756 |
| Cash dividends to net income (ytd only)* | 9.4044% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 2,011 |
| Loan loss allowance to noncurrent loans | 519.7970% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 5,040 |
| Noncurrent loans to loans | 0.3101% | 4,681 |
| Net loans and leases to total assets | 55.1112% | 4,307 |
| Net loans and leases to deposits | 61.0984% | 4,654 |
| Net loans and leases to core deposits | 61.0984% | 4,909 |
| Total domestic deposits to total assets | 90.2006% | 649 |
| Equity capital to assets | 8.9023% | 5,391 |
| Core capital (leverage) ratio | 8.7925% | 5,214 |
| Tier 1 risk-based capital ratio | 12.3203% | 5,030 |
| Total risk-based capital ratio | 13.5708% | 4,941 |
| Memoranda: | ||
| Average total assets | $340,496,500 | 1,953 |
| Average earning assets | $316,092,500 | 1,952 |
| Average equity | $29,988,500 | 2,356 |
| Average total loans | $177,334,000 | 2,290 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3047% | 5,698 |
| Cost of funding earning assets | 0.0984% | 6,329 |
| Net interest margin | 3.2063% | 4,894 |
| Noninterest income to average assets | 0.6680% | 2,463 |
| Noninterest expense to average assets | 3.0268% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4405% | 5,062 |
| Return on assets (ROA) | 0.4386% | 5,164 |
| Pretax return on assets | 0.6213% | 4,868 |
| Return on Equity (ROE) | 4.9583% | 4,681 |
| Retained earnings to average equity (ytd only) | 2.6317% | 4,371 |
| Net charge-offs to loans | 0.0273% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 49.0238% | 938 |
| Efficiency ratio | 82.9072% | 1,546 |
| Assets per employee ($millions) | 3.6253% | 4,672 |
| Cash dividends to net income (ytd only)* | 46.9247% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 1,382 |
| Loan loss allowance to noncurrent loans | 505.1071% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 5,110 |
| Noncurrent loans to loans | 0.3699% | 4,544 |
| Net loans and leases to total assets | 47.2547% | 5,225 |
| Net loans and leases to deposits | 52.2566% | 5,463 |
| Net loans and leases to core deposits | 52.2566% | 5,602 |
| Total domestic deposits to total assets | 90.4281% | 567 |
| Equity capital to assets | 8.7124% | 5,570 |
| Core capital (leverage) ratio | 8.8316% | 5,212 |
| Tier 1 risk-based capital ratio | 14.6763% | 3,675 |
| Total risk-based capital ratio | 15.9297% | 3,599 |
| Memoranda: | ||
| Average total assets | $329,948,800 | 1,969 |
| Average earning assets | $306,958,200 | 1,956 |
| Average equity | $29,183,200 | 2,330 |
| Average total loans | $154,041,400 | 2,514 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3150% | 5,741 |
| Cost of funding earning assets | 0.1035% | 6,405 |
| Net interest margin | 3.2115% | 4,927 |
| Noninterest income to average assets | 0.6450% | 2,603 |
| Noninterest expense to average assets | 3.0493% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4070% | 5,221 |
| Return on assets (ROA) | 0.4070% | 5,298 |
| Pretax return on assets | 0.5798% | 5,087 |
| Return on Equity (ROE) | 4.5841% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.0105% | 3,797 |
| Net charge-offs to loans | 0.0361% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 34.7044% | 1,245 |
| Efficiency ratio | 84.0238% | 1,386 |
| Assets per employee ($millions) | 3.8884% | 4,113 |
| Cash dividends to net income (ytd only)* | 12.5123% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 1,470 |
| Loan loss allowance to noncurrent loans | 693.8914% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 5,474 |
| Noncurrent loans to loans | 0.2729% | 5,091 |
| Net loans and leases to total assets | 48.0776% | 5,195 |
| Net loans and leases to deposits | 54.3460% | 5,358 |
| Net loans and leases to core deposits | 54.3460% | 5,547 |
| Total domestic deposits to total assets | 88.4656% | 1,519 |
| Equity capital to assets | 8.9935% | 5,358 |
| Core capital (leverage) ratio | 8.9546% | 5,128 |
| Tier 1 risk-based capital ratio | 14.7678% | 3,720 |
| Total risk-based capital ratio | 16.0215% | 3,661 |
| Memoranda: | ||
| Average total assets | $327,241,750 | 1,997 |
| Average earning assets | $304,065,750 | 1,989 |
| Average equity | $29,056,500 | 2,348 |
| Average total loans | $151,527,000 | 2,556 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2230% | 5,918 |
| Cost of funding earning assets | 0.1022% | 6,477 |
| Net interest margin | 3.1207% | 5,190 |
| Noninterest income to average assets | 0.6040% | 2,796 |
| Noninterest expense to average assets | 3.0655% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3127% | 5,527 |
| Return on assets (ROA) | 0.3127% | 5,600 |
| Pretax return on assets | 0.4397% | 5,449 |
| Return on Equity (ROE) | 3.5375% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.0173% | 4,289 |
| Net charge-offs to loans | 0.0500% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 19.3784% | 1,630 |
| Efficiency ratio | 87.4563% | 1,136 |
| Assets per employee ($millions) | 3.7862% | 4,283 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9653% | 1,427 |
| Loan loss allowance to noncurrent loans | 176.4943% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 4,117 |
| Noncurrent loans to loans | 1.1135% | 2,993 |
| Net loans and leases to total assets | 46.5072% | 5,313 |
| Net loans and leases to deposits | 53.7310% | 5,380 |
| Net loans and leases to core deposits | 53.7310% | 5,574 |
| Total domestic deposits to total assets | 86.5557% | 2,731 |
| Equity capital to assets | 8.8735% | 5,436 |
| Core capital (leverage) ratio | 8.8495% | 5,229 |
| Tier 1 risk-based capital ratio | 15.1489% | 3,555 |
| Total risk-based capital ratio | 16.4033% | 3,501 |
| Memoranda: | ||
| Average total assets | $326,150,330 | 1,998 |
| Average earning assets | $303,198,670 | 1,992 |
| Average equity | $28,833,670 | 2,355 |
| Average total loans | $148,045,670 | 2,607 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 6,036 |
| Cost of funding earning assets | 0.1009% | 6,562 |
| Net interest margin | 3.0787% | 5,311 |
| Noninterest income to average assets | 0.5694% | 2,924 |
| Noninterest expense to average assets | 3.0728% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2567% | 5,644 |
| Return on assets (ROA) | 0.2576% | 5,683 |
| Pretax return on assets | 0.3550% | 5,582 |
| Return on Equity (ROE) | 2.9194% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.8718% | 4,845 |
| Net charge-offs to loans | -0.0167% | 5,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6763% | 1,068 |
| Assets per employee ($millions) | 3.6758% | 4,570 |
| Cash dividends to net income (ytd only)* | 35.8852% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 1,216 |
| Loan loss allowance to noncurrent loans | 174.2585% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 4,205 |
| Noncurrent loans to loans | 1.2423% | 2,971 |
| Net loans and leases to total assets | 42.5400% | 5,624 |
| Net loans and leases to deposits | 46.9949% | 5,783 |
| Net loans and leases to core deposits | 47.0940% | 5,928 |
| Total domestic deposits to total assets | 90.5205% | 789 |
| Equity capital to assets | 8.6866% | 5,453 |
| Core capital (leverage) ratio | 8.9295% | 5,101 |
| Tier 1 risk-based capital ratio | 15.9338% | 3,197 |
| Total risk-based capital ratio | 17.1896% | 3,152 |
| Memoranda: | ||
| Average total assets | $324,527,500 | 2,015 |
| Average earning assets | $301,166,000 | 2,005 |
| Average equity | $28,636,000 | 2,354 |
| Average total loans | $143,936,500 | 2,679 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2817% | 6,025 |
| Cost of funding earning assets | 0.1527% | 6,527 |
| Net interest margin | 3.1290% | 5,227 |
| Noninterest income to average assets | 0.8053% | 2,060 |
| Noninterest expense to average assets | 3.0768% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4126% | 5,102 |
| Return on assets (ROA) | 0.4137% | 5,213 |
| Pretax return on assets | 0.6093% | 4,846 |
| Return on Equity (ROE) | 4.6798% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.1808% | 3,200 |
| Net charge-offs to loans | -0.5950% | 6,736 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5058% | 1,685 |
| Assets per employee ($millions) | 3.6579% | 4,571 |
| Cash dividends to net income (ytd only)* | 10.6626% | 4,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1579% | 1,239 |
| Loan loss allowance to noncurrent loans | 147.0199% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 4,058 |
| Noncurrent loans to loans | 1.4678% | 2,688 |
| Net loans and leases to total assets | 44.2818% | 5,652 |
| Net loans and leases to deposits | 49.0959% | 5,826 |
| Net loans and leases to core deposits | 49.2037% | 5,976 |
| Total domestic deposits to total assets | 90.1944% | 973 |
| Equity capital to assets | 8.9666% | 5,078 |
| Core capital (leverage) ratio | 9.1539% | 4,780 |
| Tier 1 risk-based capital ratio | 15.9810% | 3,096 |
| Total risk-based capital ratio | 17.2368% | 3,054 |
| Memoranda: | ||
| Average total assets | $317,406,400 | 2,027 |
| Average earning assets | $292,075,200 | 2,030 |
| Average equity | $28,056,800 | 2,378 |
| Average total loans | $147,047,400 | 2,601 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2759% | 6,097 |
| Cost of funding earning assets | 0.1650% | 6,578 |
| Net interest margin | 3.1109% | 5,291 |
| Noninterest income to average assets | 0.7768% | 2,255 |
| Noninterest expense to average assets | 3.0890% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3731% | 5,361 |
| Return on assets (ROA) | 0.3745% | 5,490 |
| Pretax return on assets | 0.5506% | 5,205 |
| Return on Equity (ROE) | 4.2523% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.7512% | 4,020 |
| Net charge-offs to loans | -0.7929% | 6,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9203% | 1,486 |
| Assets per employee ($millions) | 3.7057% | 4,441 |
| Cash dividends to net income (ytd only)* | 11.7848% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0489% | 1,616 |
| Loan loss allowance to noncurrent loans | 146.1719% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 3,638 |
| Noncurrent loans to loans | 1.4017% | 3,065 |
| Net loans and leases to total assets | 46.6825% | 5,472 |
| Net loans and leases to deposits | 54.2435% | 5,517 |
| Net loans and leases to core deposits | 54.4570% | 5,731 |
| Total domestic deposits to total assets | 86.0609% | 3,220 |
| Equity capital to assets | 8.8297% | 5,383 |
| Core capital (leverage) ratio | 8.9022% | 5,260 |
| Tier 1 risk-based capital ratio | 15.2109% | 3,619 |
| Total risk-based capital ratio | 16.4662% | 3,574 |
| Memoranda: | ||
| Average total assets | $317,198,750 | 2,036 |
| Average earning assets | $291,702,750 | 2,037 |
| Average equity | $27,937,250 | 2,414 |
| Average total loans | $147,802,000 | 2,602 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2094% | 6,216 |
| Cost of funding earning assets | 0.1761% | 6,593 |
| Net interest margin | 3.0333% | 5,486 |
| Noninterest income to average assets | 0.7913% | 2,228 |
| Noninterest expense to average assets | 3.0451% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3692% | 5,336 |
| Return on assets (ROA) | 0.3713% | 5,501 |
| Pretax return on assets | 0.5456% | 5,216 |
| Return on Equity (ROE) | 4.2196% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.8608% | 3,841 |
| Net charge-offs to loans | -1.1103% | 6,873 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8794% | 1,545 |
| Assets per employee ($millions) | 3.7220% | 4,367 |
| Cash dividends to net income (ytd only)* | 8.5034% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 1,764 |
| Loan loss allowance to noncurrent loans | 135.4222% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 3,637 |
| Noncurrent loans to loans | 1.5065% | 3,038 |
| Net loans and leases to total assets | 46.2445% | 5,505 |
| Net loans and leases to deposits | 53.2927% | 5,580 |
| Net loans and leases to core deposits | 53.5608% | 5,786 |
| Total domestic deposits to total assets | 86.7745% | 2,961 |
| Equity capital to assets | 8.8405% | 5,397 |
| Core capital (leverage) ratio | 8.8235% | 5,256 |
| Tier 1 risk-based capital ratio | 15.8642% | 3,281 |
| Total risk-based capital ratio | 17.1199% | 3,223 |
| Memoranda: | ||
| Average total assets | $316,702,670 | 2,046 |
| Average earning assets | $291,959,330 | 2,038 |
| Average equity | $27,870,000 | 2,431 |
| Average total loans | $146,441,670 | 2,625 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2240% | 6,273 |
| Cost of funding earning assets | 0.1797% | 6,676 |
| Net interest margin | 3.0443% | 5,452 |
| Noninterest income to average assets | 0.8698% | 1,866 |
| Noninterest expense to average assets | 2.9994% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4528% | 4,900 |
| Return on assets (ROA) | 0.4544% | 5,058 |
| Pretax return on assets | 0.6741% | 4,683 |
| Return on Equity (ROE) | 5.1760% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.4571% | 3,561 |
| Net charge-offs to loans | -2.2623% | 6,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7056% | 2,081 |
| Assets per employee ($millions) | 3.8329% | 4,289 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1931% | 1,597 |
| Loan loss allowance to noncurrent loans | 107.5379% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 4,059 |
| Noncurrent loans to loans | 2.0394% | 2,578 |
| Net loans and leases to total assets | 41.7907% | 5,859 |
| Net loans and leases to deposits | 46.7927% | 6,006 |
| Net loans and leases to core deposits | 46.9442% | 6,156 |
| Total domestic deposits to total assets | 89.3103% | 1,481 |
| Equity capital to assets | 8.5948% | 5,923 |
| Core capital (leverage) ratio | 8.9523% | 4,964 |
| Tier 1 risk-based capital ratio | 16.5458% | 2,977 |
| Total risk-based capital ratio | 17.8031% | 2,930 |
| Memoranda: | ||
| Average total assets | $316,867,500 | 2,067 |
| Average earning assets | $291,564,000 | 2,069 |
| Average equity | $27,820,500 | 2,462 |
| Average total loans | $144,986,500 | 2,651 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 5,504 |
| Cost of funding earning assets | 0.2697% | 6,593 |
| Net interest margin | 3.6555% | 3,851 |
| Noninterest income to average assets | 0.6570% | 2,955 |
| Noninterest expense to average assets | 3.1365% | 2,824 |
| Loan and lease loss provision to assets | 0.4127% | 1,554 |
| Net operating income to assets | 0.3141% | 5,416 |
| Return on assets (ROA) | 0.3125% | 5,628 |
| Pretax return on assets | 0.4526% | 5,418 |
| Return on Equity (ROE) | 3.3731% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.8207% | 4,250 |
| Net charge-offs to loans | 0.2963% | 3,166 |
| Credit loss provision to net charge-offs | 261.9048% | 918 |
| Earnings coverage of net charge-offs (x) | 5.5065% | 3,018 |
| Efficiency ratio | 78.3286% | 2,389 |
| Assets per employee ($millions) | 3.8979% | 4,155 |
| Cash dividends to net income (ytd only)* | 16.3755% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 3,821 |
| Loan loss allowance to noncurrent loans | 78.7932% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 4,023 |
| Noncurrent loans to loans | 1.8797% | 2,827 |
| Net loans and leases to total assets | 48.2352% | 5,387 |
| Net loans and leases to deposits | 54.3154% | 5,623 |
| Net loans and leases to core deposits | 54.4526% | 5,847 |
| Total domestic deposits to total assets | 88.8058% | 1,697 |
| Equity capital to assets | 8.9756% | 5,550 |
| Core capital (leverage) ratio | 9.0569% | 4,811 |
| Tier 1 risk-based capital ratio | 15.3439% | 3,515 |
| Total risk-based capital ratio | 16.5906% | 3,473 |
| Memoranda: | ||
| Average total assets | $293,163,600 | 2,182 |
| Average earning assets | $268,445,400 | 2,165 |
| Average equity | $27,156,000 | 2,470 |
| Average total loans | $155,912,000 | 2,488 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 5,479 |
| Cost of funding earning assets | 0.2876% | 6,668 |
| Net interest margin | 3.7258% | 3,674 |
| Noninterest income to average assets | 0.6600% | 2,933 |
| Noninterest expense to average assets | 3.1827% | 2,622 |
| Loan and lease loss provision to assets | 0.4997% | 1,227 |
| Net operating income to assets | 0.2717% | 5,711 |
| Return on assets (ROA) | 0.2695% | 5,917 |
| Pretax return on assets | 0.3878% | 5,747 |
| Return on Equity (ROE) | 2.8850% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.3919% | 5,136 |
| Net charge-offs to loans | 0.1874% | 3,617 |
| Credit loss provision to net charge-offs | 490.9502% | 547 |
| Earnings coverage of net charge-offs (x) | 8.7511% | 2,401 |
| Efficiency ratio | 78.1321% | 2,385 |
| Assets per employee ($millions) | 3.6962% | 4,550 |
| Cash dividends to net income (ytd only)* | 17.0940% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 4,040 |
| Loan loss allowance to noncurrent loans | 74.6425% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 3,978 |
| Noncurrent loans to loans | 1.9793% | 2,863 |
| Net loans and leases to total assets | 52.9756% | 4,916 |
| Net loans and leases to deposits | 59.9146% | 5,219 |
| Net loans and leases to core deposits | 60.0138% | 5,558 |
| Total domestic deposits to total assets | 88.4184% | 1,779 |
| Equity capital to assets | 9.2319% | 5,552 |
| Core capital (leverage) ratio | 9.4034% | 4,429 |
| Tier 1 risk-based capital ratio | 15.0014% | 3,851 |
| Total risk-based capital ratio | 16.2521% | 3,799 |
| Memoranda: | ||
| Average total assets | $289,470,750 | 2,235 |
| Average earning assets | $265,206,750 | 2,222 |
| Average equity | $27,035,250 | 2,499 |
| Average total loans | $157,198,500 | 2,493 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 5,581 |
| Cost of funding earning assets | 0.3083% | 6,704 |
| Net interest margin | 3.7143% | 3,754 |
| Noninterest income to average assets | 0.6555% | 2,927 |
| Noninterest expense to average assets | 3.2053% | 2,566 |
| Loan and lease loss provision to assets | 0.2331% | 2,739 |
| Net operating income to assets | 0.4252% | 5,128 |
| Return on assets (ROA) | 0.4252% | 5,361 |
| Pretax return on assets | 0.6214% | 5,064 |
| Return on Equity (ROE) | 4.5347% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.7925% | 4,091 |
| Net charge-offs to loans | 0.2120% | 3,300 |
| Credit loss provision to net charge-offs | 201.8072% | 1,414 |
| Earnings coverage of net charge-offs (x) | 7.3976% | 2,489 |
| Efficiency ratio | 78.9510% | 2,333 |
| Assets per employee ($millions) | 3.4009% | 5,209 |
| Cash dividends to net income (ytd only)* | 16.3666% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 5,920 |
| Loan loss allowance to noncurrent loans | 87.1444% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 4,932 |
| Noncurrent loans to loans | 1.2179% | 4,111 |
| Net loans and leases to total assets | 53.9734% | 4,809 |
| Net loans and leases to deposits | 61.7808% | 5,025 |
| Net loans and leases to core deposits | 61.8879% | 5,400 |
| Total domestic deposits to total assets | 87.3628% | 2,557 |
| Equity capital to assets | 9.5344% | 5,014 |
| Core capital (leverage) ratio | 9.3749% | 4,331 |
| Tier 1 risk-based capital ratio | 15.2483% | 3,602 |
| Total risk-based capital ratio | 16.1745% | 3,764 |
| Memoranda: | ||
| Average total assets | $287,396,670 | 2,255 |
| Average earning assets | $263,415,670 | 2,235 |
| Average equity | $26,947,670 | 2,490 |
| Average total loans | $156,600,000 | 2,511 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 5,651 |
| Cost of funding earning assets | 0.3470% | 6,655 |
| Net interest margin | 3.6882% | 3,882 |
| Noninterest income to average assets | 0.6661% | 2,832 |
| Noninterest expense to average assets | 3.1846% | 2,653 |
| Loan and lease loss provision to assets | 0.2359% | 2,581 |
| Net operating income to assets | 0.4302% | 5,122 |
| Return on assets (ROA) | 0.4302% | 5,310 |
| Pretax return on assets | 0.6231% | 5,038 |
| Return on Equity (ROE) | 4.6263% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.1340% | 4,685 |
| Net charge-offs to loans | 0.0357% | 4,195 |
| Credit loss provision to net charge-offs | 1,214.2857% | 291 |
| Earnings coverage of net charge-offs (x) | 44.2143% | 691 |
| Efficiency ratio | 78.7577% | 2,388 |
| Assets per employee ($millions) | 3.7713% | 4,489 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,966 |
| Loan loss allowance to noncurrent loans | 74.3996% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 4,898 |
| Noncurrent loans to loans | 1.4514% | 3,939 |
| Net loans and leases to total assets | 49.8563% | 5,326 |
| Net loans and leases to deposits | 56.0903% | 5,591 |
| Net loans and leases to core deposits | 56.2847% | 5,883 |
| Total domestic deposits to total assets | 88.8858% | 1,770 |
| Equity capital to assets | 8.9064% | 5,631 |
| Core capital (leverage) ratio | 9.3193% | 4,330 |
| Tier 1 risk-based capital ratio | 15.0314% | 3,742 |
| Total risk-based capital ratio | 15.9480% | 3,916 |
| Memoranda: | ||
| Average total assets | $288,259,000 | 2,257 |
| Average earning assets | $263,974,500 | 2,247 |
| Average equity | $26,803,000 | 2,490 |
| Average total loans | $156,979,500 | 2,526 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 4,341 |
| Cost of funding earning assets | 0.4707% | 6,654 |
| Net interest margin | 4.2065% | 2,034 |
| Noninterest income to average assets | 0.6516% | 2,875 |
| Noninterest expense to average assets | 3.5825% | 1,779 |
| Loan and lease loss provision to assets | 0.3098% | 3,188 |
| Net operating income to assets | 0.3955% | 4,887 |
| Return on assets (ROA) | 0.3825% | 5,113 |
| Pretax return on assets | 0.5628% | 4,804 |
| Return on Equity (ROE) | 3.9196% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.5372% | 3,707 |
| Net charge-offs to loans | 0.9453% | 1,840 |
| Credit loss provision to net charge-offs | 54.7132% | 5,306 |
| Earnings coverage of net charge-offs (x) | 1.5748% | 4,592 |
| Efficiency ratio | 80.0717% | 2,288 |
| Assets per employee ($millions) | 3.3514% | 5,370 |
| Cash dividends to net income (ytd only)* | 9.7561% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,496 |
| Loan loss allowance to noncurrent loans | 77.7894% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 5,054 |
| Noncurrent loans to loans | 1.1791% | 4,403 |
| Net loans and leases to total assets | 58.3716% | 4,304 |
| Net loans and leases to deposits | 67.2409% | 4,548 |
| Net loans and leases to core deposits | 67.5029% | 5,088 |
| Total domestic deposits to total assets | 86.8097% | 2,871 |
| Equity capital to assets | 9.7284% | 4,553 |
| Core capital (leverage) ratio | 9.8058% | 3,599 |
| Tier 1 risk-based capital ratio | 14.3918% | 4,049 |
| Total risk-based capital ratio | 15.1917% | 4,327 |
| Memoranda: | ||
| Average total assets | $267,943,200 | 2,354 |
| Average earning assets | $243,479,200 | 2,364 |
| Average equity | $26,150,600 | 2,467 |
| Average total loans | $160,478,600 | 2,487 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 4,442 |
| Cost of funding earning assets | 0.5029% | 6,682 |
| Net interest margin | 4.2009% | 2,094 |
| Noninterest income to average assets | 0.5955% | 3,196 |
| Noninterest expense to average assets | 3.6144% | 1,678 |
| Loan and lease loss provision to assets | 0.3155% | 3,011 |
| Net operating income to assets | 0.3324% | 5,280 |
| Return on assets (ROA) | 0.3155% | 5,511 |
| Pretax return on assets | 0.4562% | 5,297 |
| Return on Equity (ROE) | 3.2301% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.7174% | 4,728 |
| Net charge-offs to loans | 0.7611% | 2,043 |
| Credit loss provision to net charge-offs | 68.9278% | 4,517 |
| Earnings coverage of net charge-offs (x) | 1.7396% | 4,348 |
| Efficiency ratio | 81.9462% | 1,983 |
| Assets per employee ($millions) | 2.9220% | 6,272 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,828 |
| Loan loss allowance to noncurrent loans | 79.2611% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.3567% | 4,109 |
| Noncurrent loans to loans | 1.4078% | 4,182 |
| Net loans and leases to total assets | 62.2409% | 3,658 |
| Net loans and leases to deposits | 71.7870% | 4,019 |
| Net loans and leases to core deposits | 72.0714% | 4,708 |
| Total domestic deposits to total assets | 86.7023% | 2,823 |
| Equity capital to assets | 9.7973% | 4,626 |
| Core capital (leverage) ratio | 10.0095% | 3,430 |
| Tier 1 risk-based capital ratio | 13.6969% | 4,575 |
| Total risk-based capital ratio | 14.6793% | 4,759 |
| Memoranda: | ||
| Average total assets | $266,225,250 | 2,380 |
| Average earning assets | $241,781,500 | 2,390 |
| Average equity | $26,004,500 | 2,482 |
| Average total loans | $160,123,500 | 2,509 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 4,928 |
| Cost of funding earning assets | 0.5486% | 6,670 |
| Net interest margin | 4.0607% | 2,569 |
| Noninterest income to average assets | 0.5796% | 3,267 |
| Noninterest expense to average assets | 3.6720% | 1,580 |
| Loan and lease loss provision to assets | 0.2487% | 3,421 |
| Net operating income to assets | 0.2453% | 5,578 |
| Return on assets (ROA) | 0.2276% | 5,756 |
| Pretax return on assets | 0.3218% | 5,621 |
| Return on Equity (ROE) | 2.3326% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.3326% | 4,802 |
| Net charge-offs to loans | 1.0503% | 1,497 |
| Credit loss provision to net charge-offs | 40.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | 0.9576% | 4,585 |
| Efficiency ratio | 86.0473% | 1,598 |
| Assets per employee ($millions) | 3.1410% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 6,125 |
| Loan loss allowance to noncurrent loans | 53.9402% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.6294% | 3,743 |
| Noncurrent loans to loans | 1.9538% | 3,540 |
| Net loans and leases to total assets | 59.6736% | 4,335 |
| Net loans and leases to deposits | 68.9067% | 4,577 |
| Net loans and leases to core deposits | 69.1853% | 5,164 |
| Total domestic deposits to total assets | 86.6006% | 2,987 |
| Equity capital to assets | 9.8902% | 4,286 |
| Core capital (leverage) ratio | 9.7215% | 3,636 |
| Tier 1 risk-based capital ratio | 14.1767% | 4,037 |
| Total risk-based capital ratio | 15.0884% | 4,251 |
| Memoranda: | ||
| Average total assets | $265,360,330 | 2,404 |
| Average earning assets | $240,990,330 | 2,417 |
| Average equity | $25,893,670 | 2,477 |
| Average total loans | $157,096,670 | 2,580 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 4,959 |
| Cost of funding earning assets | 0.5915% | 6,639 |
| Net interest margin | 4.0053% | 2,662 |
| Noninterest income to average assets | 0.5546% | 3,472 |
| Noninterest expense to average assets | 3.6646% | 1,616 |
| Loan and lease loss provision to assets | 0.2405% | 3,267 |
| Net operating income to assets | 0.2159% | 5,730 |
| Return on assets (ROA) | 0.2014% | 5,840 |
| Pretax return on assets | 0.2736% | 5,734 |
| Return on Equity (ROE) | 2.0781% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.0781% | 4,895 |
| Net charge-offs to loans | 0.5151% | 2,194 |
| Credit loss provision to net charge-offs | 79.6020% | 3,169 |
| Earnings coverage of net charge-offs (x) | 1.7662% | 3,421 |
| Efficiency ratio | 87.2897% | 1,591 |
| Assets per employee ($millions) | 3.0712% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,612 |
| Loan loss allowance to noncurrent loans | 60.2829% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.1486% | 3,132 |
| Noncurrent loans to loans | 2.3389% | 3,149 |
| Net loans and leases to total assets | 55.1348% | 5,136 |
| Net loans and leases to deposits | 64.1995% | 5,226 |
| Net loans and leases to core deposits | 64.4533% | 5,683 |
| Total domestic deposits to total assets | 85.8804% | 3,591 |
| Equity capital to assets | 9.5692% | 4,343 |
| Core capital (leverage) ratio | 9.6757% | 3,560 |
| Tier 1 risk-based capital ratio | 14.1802% | 3,953 |
| Total risk-based capital ratio | 15.3457% | 3,983 |
| Memoranda: | ||
| Average total assets | $266,117,000 | 2,420 |
| Average earning assets | $242,080,000 | 2,427 |
| Average equity | $25,793,000 | 2,469 |
| Average total loans | $156,083,000 | 2,615 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 3,565 |
| Cost of funding earning assets | 0.8052% | 6,541 |
| Net interest margin | 4.4028% | 1,463 |
| Noninterest income to average assets | 0.6670% | 3,040 |
| Noninterest expense to average assets | 3.8420% | 1,412 |
| Loan and lease loss provision to assets | 0.2211% | 5,061 |
| Net operating income to assets | 0.4411% | 4,355 |
| Return on assets (ROA) | 0.4411% | 4,515 |
| Pretax return on assets | 0.6240% | 4,247 |
| Return on Equity (ROE) | 4.5096% | 4,293 |
| Retained earnings to average equity (ytd only) | 4.1022% | 2,985 |
| Net charge-offs to loans | 0.3683% | 4,187 |
| Credit loss provision to net charge-offs | 90.0974% | 5,128 |
| Earnings coverage of net charge-offs (x) | 3.4432% | 3,352 |
| Efficiency ratio | 81.9689% | 2,168 |
| Assets per employee ($millions) | 2.9108% | 6,295 |
| Cash dividends to net income (ytd only)* | 9.0334% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,754 |
| Loan loss allowance to noncurrent loans | 49.3861% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.1636% | 3,140 |
| Noncurrent loans to loans | 2.7312% | 2,790 |
| Net loans and leases to total assets | 60.6380% | 4,557 |
| Net loans and leases to deposits | 71.1603% | 4,655 |
| Net loans and leases to core deposits | 71.2925% | 5,297 |
| Total domestic deposits to total assets | 85.2132% | 3,745 |
| Equity capital to assets | 9.8194% | 3,978 |
| Core capital (leverage) ratio | 9.9560% | 3,140 |
| Tier 1 risk-based capital ratio | 13.6275% | 4,113 |
| Total risk-based capital ratio | 14.7750% | 4,149 |
| Memoranda: | ||
| Average total assets | $250,961,400 | 2,542 |
| Average earning assets | $229,149,800 | 2,533 |
| Average equity | $24,547,800 | 2,602 |
| Average total loans | $167,238,000 | 2,512 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 3,244 |
| Cost of funding earning assets | 0.8529% | 6,571 |
| Net interest margin | 4.4692% | 1,326 |
| Noninterest income to average assets | 0.6312% | 3,243 |
| Noninterest expense to average assets | 3.8805% | 1,230 |
| Loan and lease loss provision to assets | 0.2176% | 4,897 |
| Net operating income to assets | 0.4163% | 4,675 |
| Return on assets (ROA) | 0.4163% | 4,852 |
| Pretax return on assets | 0.6118% | 4,556 |
| Return on Equity (ROE) | 4.2604% | 4,660 |
| Retained earnings to average equity (ytd only) | 3.7107% | 3,849 |
| Net charge-offs to loans | 0.4321% | 3,568 |
| Credit loss provision to net charge-offs | 74.0402% | 5,315 |
| Earnings coverage of net charge-offs (x) | 2.8227% | 3,722 |
| Efficiency ratio | 82.3905% | 2,021 |
| Assets per employee ($millions) | 2.8423% | 6,499 |
| Cash dividends to net income (ytd only)* | 12.9032% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 5,252 |
| Loan loss allowance to noncurrent loans | 86.2980% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 4,385 |
| Noncurrent loans to loans | 1.4448% | 4,449 |
| Net loans and leases to total assets | 65.4664% | 3,807 |
| Net loans and leases to deposits | 77.1476% | 3,986 |
| Net loans and leases to core deposits | 77.2946% | 4,888 |
| Total domestic deposits to total assets | 84.8586% | 3,688 |
| Equity capital to assets | 9.9550% | 4,213 |
| Core capital (leverage) ratio | 10.1725% | 3,070 |
| Tier 1 risk-based capital ratio | 12.9399% | 4,621 |
| Total risk-based capital ratio | 14.0153% | 4,738 |
| Memoranda: | ||
| Average total assets | $248,209,000 | 2,594 |
| Average earning assets | $226,521,250 | 2,594 |
| Average equity | $24,253,750 | 2,678 |
| Average total loans | $168,791,000 | 2,531 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 3,698 |
| Cost of funding earning assets | 0.8994% | 6,582 |
| Net interest margin | 4.3534% | 1,579 |
| Noninterest income to average assets | 0.6098% | 3,262 |
| Noninterest expense to average assets | 3.8950% | 1,191 |
| Loan and lease loss provision to assets | 0.1865% | 5,003 |
| Net operating income to assets | 0.3479% | 4,985 |
| Return on assets (ROA) | 0.3479% | 5,149 |
| Pretax return on assets | 0.5085% | 4,881 |
| Return on Equity (ROE) | 3.5834% | 4,969 |
| Retained earnings to average equity (ytd only) | 2.7481% | 4,383 |
| Net charge-offs to loans | 0.1703% | 4,593 |
| Credit loss provision to net charge-offs | 159.7222% | 2,464 |
| Earnings coverage of net charge-offs (x) | 5.9514% | 2,561 |
| Efficiency ratio | 84.8587% | 1,828 |
| Assets per employee ($millions) | 2.8802% | 6,398 |
| Cash dividends to net income (ytd only)* | 23.3100% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,566 |
| Loan loss allowance to noncurrent loans | 63.0092% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.5871% | 4,077 |
| Noncurrent loans to loans | 2.1774% | 3,503 |
| Net loans and leases to total assets | 66.5585% | 3,723 |
| Net loans and leases to deposits | 79.5506% | 3,676 |
| Net loans and leases to core deposits | 79.8962% | 4,706 |
| Total domestic deposits to total assets | 83.6682% | 4,256 |
| Equity capital to assets | 9.9087% | 4,127 |
| Core capital (leverage) ratio | 10.0042% | 3,160 |
| Tier 1 risk-based capital ratio | 12.9002% | 4,526 |
| Total risk-based capital ratio | 14.1063% | 4,517 |
| Memoranda: | ||
| Average total assets | $246,622,670 | 2,634 |
| Average earning assets | $225,477,000 | 2,618 |
| Average equity | $23,944,000 | 2,700 |
| Average total loans | $169,154,670 | 2,560 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2251% | 3,899 |
| Cost of funding earning assets | 0.9507% | 6,578 |
| Net interest margin | 4.2744% | 1,768 |
| Noninterest income to average assets | 0.5804% | 3,414 |
| Noninterest expense to average assets | 3.8766% | 1,213 |
| Loan and lease loss provision to assets | 0.2943% | 3,673 |
| Net operating income to assets | 0.2240% | 5,603 |
| Return on assets (ROA) | 0.2240% | 5,721 |
| Pretax return on assets | 0.3205% | 5,549 |
| Return on Equity (ROE) | 2.3318% | 5,619 |
| Retained earnings to average equity (ytd only) | 0.6297% | 5,570 |
| Net charge-offs to loans | 0.1726% | 3,889 |
| Credit loss provision to net charge-offs | 246.5753% | 1,565 |
| Earnings coverage of net charge-offs (x) | 5.1507% | 2,453 |
| Efficiency ratio | 86.3123% | 1,762 |
| Assets per employee ($millions) | 2.8902% | 6,461 |
| Cash dividends to net income (ytd only)* | 72.9927% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,273 |
| Loan loss allowance to noncurrent loans | 58.5982% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.6073% | 4,079 |
| Noncurrent loans to loans | 2.4382% | 3,238 |
| Net loans and leases to total assets | 64.9772% | 4,107 |
| Net loans and leases to deposits | 77.9900% | 4,047 |
| Net loans and leases to core deposits | 78.0847% | 5,010 |
| Total domestic deposits to total assets | 83.3148% | 4,467 |
| Equity capital to assets | 9.4633% | 4,593 |
| Core capital (leverage) ratio | 9.6962% | 3,522 |
| Tier 1 risk-based capital ratio | 12.6570% | 4,596 |
| Total risk-based capital ratio | 13.9069% | 4,563 |
| Memoranda: | ||
| Average total assets | $244,645,000 | 2,704 |
| Average earning assets | $223,843,500 | 2,690 |
| Average equity | $23,501,500 | 2,769 |
| Average total loans | $169,181,500 | 2,626 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4250% | 784 |
| Cost of funding earning assets | 1.1843% | 6,712 |
| Net interest margin | 5.2407% | 269 |
| Noninterest income to average assets | 0.5970% | 3,653 |
| Noninterest expense to average assets | 4.3652% | 915 |
| Loan and lease loss provision to assets | 0.3308% | 4,830 |
| Net operating income to assets | 0.4598% | 3,889 |
| Return on assets (ROA) | 0.4598% | 4,014 |
| Pretax return on assets | 0.6793% | 3,645 |
| Return on Equity (ROE) | 4.7279% | 3,787 |
| Retained earnings to average equity (ytd only) | 3.3318% | 2,840 |
| Net charge-offs to loans | 0.2151% | 5,278 |
| Credit loss provision to net charge-offs | 190.3646% | 2,101 |
| Earnings coverage of net charge-offs (x) | 5.8125% | 2,491 |
| Efficiency ratio | 81.2074% | 2,710 |
| Assets per employee ($millions) | 2.7356% | 6,792 |
| Cash dividends to net income (ytd only)* | 29.5276% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 4,874 |
| Loan loss allowance to noncurrent loans | 74.0225% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2537% | 4,586 |
| Noncurrent loans to loans | 1.7294% | 4,039 |
| Net loans and leases to total assets | 71.5660% | 2,872 |
| Net loans and leases to deposits | 86.8548% | 2,764 |
| Net loans and leases to core deposits | 93.9127% | 4,683 |
| Total domestic deposits to total assets | 82.3972% | 4,775 |
| Equity capital to assets | 9.7541% | 4,059 |
| Core capital (leverage) ratio | 10.0260% | 3,059 |
| Tier 1 risk-based capital ratio | 11.3179% | 5,601 |
| Total risk-based capital ratio | 12.3945% | 5,739 |
| Memoranda: | ||
| Average total assets | $220,952,600 | 2,928 |
| Average earning assets | $201,462,400 | 2,951 |
| Average equity | $21,489,600 | 3,012 |
| Average total loans | $178,487,600 | 2,533 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5657% | 654 |
| Cost of funding earning assets | 1.2208% | 6,833 |
| Net interest margin | 5.3449% | 236 |
| Noninterest income to average assets | 0.6030% | 3,674 |
| Noninterest expense to average assets | 4.5059% | 741 |
| Loan and lease loss provision to assets | 0.3432% | 4,269 |
| Net operating income to assets | 0.4253% | 4,299 |
| Return on assets (ROA) | 0.4253% | 4,403 |
| Pretax return on assets | 0.6265% | 4,100 |
| Return on Equity (ROE) | 4.3762% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.4707% | 3,945 |
| Net charge-offs to loans | 0.1159% | 5,526 |
| Credit loss provision to net charge-offs | 356.4103% | 1,152 |
| Earnings coverage of net charge-offs (x) | 10.0707% | 2,015 |
| Efficiency ratio | 82.2906% | 2,544 |
| Assets per employee ($millions) | 2.6020% | 7,043 |
| Cash dividends to net income (ytd only)* | 43.5415% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,217 |
| Loan loss allowance to noncurrent loans | 124.5777% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 5,474 |
| Noncurrent loans to loans | 0.9483% | 5,401 |
| Net loans and leases to total assets | 84.4729% | 493 |
| Net loans and leases to deposits | 102.7632% | 860 |
| Net loans and leases to core deposits | 112.7092% | 2,957 |
| Total domestic deposits to total assets | 82.2015% | 4,583 |
| Equity capital to assets | 9.4196% | 4,860 |
| Core capital (leverage) ratio | 9.7590% | 3,559 |
| Tier 1 risk-based capital ratio | 9.9868% | 6,996 |
| Total risk-based capital ratio | 11.0578% | 7,097 |
| Memoranda: | ||
| Average total assets | $216,008,500 | 3,011 |
| Average earning assets | $196,918,250 | 3,031 |
| Average equity | $20,991,750 | 3,103 |
| Average total loans | $179,481,000 | 2,549 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4415% | 922 |
| Cost of funding earning assets | 1.2378% | 6,997 |
| Net interest margin | 5.2037% | 297 |
| Noninterest income to average assets | 0.6323% | 3,455 |
| Noninterest expense to average assets | 4.5833% | 711 |
| Loan and lease loss provision to assets | 0.2973% | 4,186 |
| Net operating income to assets | 0.3416% | 4,717 |
| Return on assets (ROA) | 0.3416% | 4,829 |
| Pretax return on assets | 0.4987% | 4,621 |
| Return on Equity (ROE) | 3.4768% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.6034% | 4,945 |
| Net charge-offs to loans | 0.1682% | 4,541 |
| Credit loss provision to net charge-offs | 214.9660% | 2,139 |
| Earnings coverage of net charge-offs (x) | 5.7551% | 2,766 |
| Efficiency ratio | 85.2020% | 2,330 |
| Assets per employee ($millions) | 2.4022% | 7,421 |
| Cash dividends to net income (ytd only)* | 82.6446% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,594 |
| Loan loss allowance to noncurrent loans | 1,081.5789% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 7,362 |
| Noncurrent loans to loans | 0.1017% | 7,271 |
| Net loans and leases to total assets | 85.4390% | 447 |
| Net loans and leases to deposits | 104.7635% | 847 |
| Net loans and leases to core deposits | 114.2666% | 2,881 |
| Total domestic deposits to total assets | 81.5542% | 4,875 |
| Equity capital to assets | 9.7012% | 4,347 |
| Core capital (leverage) ratio | 10.0063% | 3,294 |
| Tier 1 risk-based capital ratio | 10.1435% | 6,782 |
| Total risk-based capital ratio | 11.1365% | 6,981 |
| Memoranda: | ||
| Average total assets | $212,552,000 | 3,079 |
| Average earning assets | $193,899,330 | 3,089 |
| Average equity | $20,881,000 | 3,116 |
| Average total loans | $174,803,330 | 2,640 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2765% | 1,371 |
| Cost of funding earning assets | 1.2744% | 7,103 |
| Net interest margin | 5.0021% | 397 |
| Noninterest income to average assets | 0.6112% | 3,472 |
| Noninterest expense to average assets | 4.5594% | 671 |
| Loan and lease loss provision to assets | 0.1538% | 4,964 |
| Net operating income to assets | 0.3189% | 5,224 |
| Return on assets (ROA) | 0.3189% | 5,392 |
| Pretax return on assets | 0.4651% | 5,193 |
| Return on Equity (ROE) | 3.2254% | 5,268 |
| Retained earnings to average equity (ytd only) | -2.5343% | 6,199 |
| Net charge-offs to loans | 0.1824% | 3,538 |
| Credit loss provision to net charge-offs | 105.1948% | 3,607 |
| Earnings coverage of net charge-offs (x) | 4.2338% | 2,936 |
| Efficiency ratio | 88.0499% | 1,894 |
| Assets per employee ($millions) | 2.3582% | 7,518 |
| Cash dividends to net income (ytd only)* | 178.5714% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 5,341 |
| Loan loss allowance to noncurrent loans | 601.9108% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 7,128 |
| Noncurrent loans to loans | 0.1857% | 7,000 |
| Net loans and leases to total assets | 78.7650% | 1,633 |
| Net loans and leases to deposits | 93.6489% | 2,335 |
| Net loans and leases to core deposits | 102.4760% | 4,294 |
| Total domestic deposits to total assets | 84.1068% | 3,650 |
| Equity capital to assets | 9.7943% | 4,247 |
| Core capital (leverage) ratio | 10.0655% | 3,329 |
| Tier 1 risk-based capital ratio | 10.7098% | 6,178 |
| Total risk-based capital ratio | 11.6832% | 6,370 |
| Memoranda: | ||
| Average total assets | $210,727,500 | 3,107 |
| Average earning assets | $192,401,000 | 3,121 |
| Average equity | $20,834,500 | 3,135 |
| Average total loans | $168,817,500 | 2,719 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1310% | 859 |
| Cost of funding earning assets | 1.6977% | 7,261 |
| Net interest margin | 5.4333% | 225 |
| Noninterest income to average assets | 0.8070% | 2,478 |
| Noninterest expense to average assets | 4.7660% | 729 |
| Loan and lease loss provision to assets | 0.2553% | 4,360 |
| Net operating income to assets | 0.4785% | 4,837 |
| Return on assets (ROA) | 0.5780% | 4,268 |
| Pretax return on assets | 0.8586% | 3,858 |
| Return on Equity (ROE) | 5.3504% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.1322% | 2,558 |
| Net charge-offs to loans | -0.0032% | 7,763 |
| Credit loss provision to net charge-offs | -9,700.0000% | 7,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1558% | 2,158 |
| Assets per employee ($millions) | 2.2991% | 7,567 |
| Cash dividends to net income (ytd only)* | 22.7687% | 4,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,142 |
| Loan loss allowance to noncurrent loans | 582.0988% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 6,435 |
| Noncurrent loans to loans | 0.1922% | 6,814 |
| Net loans and leases to total assets | 79.6731% | 1,733 |
| Net loans and leases to deposits | 95.0093% | 2,610 |
| Net loans and leases to core deposits | 104.0031% | 4,398 |
| Total domestic deposits to total assets | 83.8581% | 3,391 |
| Equity capital to assets | 9.9809% | 4,060 |
| Core capital (leverage) ratio | 10.2049% | 3,262 |
| Tier 1 risk-based capital ratio | 10.9522% | 5,769 |
| Total risk-based capital ratio | 11.9392% | 5,920 |
| Memoranda: | ||
| Average total assets | $189,970,400 | 3,272 |
| Average earning assets | $172,178,800 | 3,299 |
| Average equity | $20,522,000 | 3,155 |
| Average total loans | $157,662,400 | 2,807 |