Home > Williamstown Bank, Inc. > Performance and Condition Ratios
Williamstown Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 2,021 |
| Cost of funding earning assets | 1.0907% | 3,094 |
| Net interest margin | 3.9385% | 1,296 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 3.3933% | 660 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.7134% | 3,158 |
| Return on assets (ROA) | 0.7134% | 3,136 |
| Pretax return on assets | 0.8627% | 3,058 |
| Return on Equity (ROE) | 7.3500% | 3,200 |
| Retained earnings to average equity (ytd only) | 3.6510% | 3,071 |
| Net charge-offs to loans | 0.0292% | 1,716 |
| Credit loss provision to net charge-offs | -33.3333% | 4,448 |
| Earnings coverage of net charge-offs (x) | 36.9412% | 1,497 |
| Efficiency ratio | 79.8739% | 927 |
| Assets per employee ($millions) | 4.1658% | 4,097 |
| Cash dividends to net income (ytd only)* | 50.3181% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 3,461 |
| Loan loss allowance to noncurrent loans | 370.3390% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 1,267 |
| Noncurrent loans to loans | 0.2619% | 2,246 |
| Net loans and leases to total assets | 79.3400% | 723 |
| Net loans and leases to deposits | 92.7689% | 1,031 |
| Net loans and leases to core deposits | 96.6282% | 1,623 |
| Total domestic deposits to total assets | 85.5200% | 2,156 |
| Equity capital to assets | 9.7962% | 2,128 |
| Core capital (leverage) ratio | 10.1474% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $220,343,400 | 2,845 |
| Average earning assets | $197,205,400 | 2,893 |
| Average equity | $21,391,600 | 2,740 |
| Average total loans | $174,694,600 | 2,491 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 1,966 |
| Cost of funding earning assets | 0.9727% | 3,111 |
| Net interest margin | 3.9697% | 1,267 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 3.3784% | 649 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7512% | 3,169 |
| Return on assets (ROA) | 0.7512% | 3,157 |
| Pretax return on assets | 0.9495% | 2,977 |
| Return on Equity (ROE) | 7.7600% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,273 |
| Net charge-offs to loans | 0.0285% | 1,506 |
| Credit loss provision to net charge-offs | 13.5135% | 2,026 |
| Earnings coverage of net charge-offs (x) | 42.3243% | 1,414 |
| Efficiency ratio | 78.0056% | 1,012 |
| Assets per employee ($millions) | 4.1771% | 4,089 |
| Cash dividends to net income (ytd only)* | 49.2308% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 3,391 |
| Loan loss allowance to noncurrent loans | 190.3949% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 1,398 |
| Noncurrent loans to loans | 0.5236% | 1,512 |
| Net loans and leases to total assets | 78.5400% | 816 |
| Net loans and leases to deposits | 91.1270% | 1,132 |
| Net loans and leases to core deposits | 94.9955% | 1,616 |
| Total domestic deposits to total assets | 86.1900% | 2,137 |
| Equity capital to assets | 9.3673% | 2,190 |
| Core capital (leverage) ratio | 10.1992% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $219,190,500 | 2,867 |
| Average earning assets | $196,012,000 | 2,909 |
| Average equity | $21,230,250 | 2,744 |
| Average total loans | $173,311,750 | 2,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 1,909 |
| Cost of funding earning assets | 0.8426% | 3,090 |
| Net interest margin | 3.9950% | 1,253 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 3.3833% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8993% | 2,755 |
| Return on assets (ROA) | 0.8993% | 2,743 |
| Pretax return on assets | 1.1591% | 2,477 |
| Return on Equity (ROE) | 9.1800% | 2,933 |
| Retained earnings to average equity (ytd only) | 5.1825% | 2,893 |
| Net charge-offs to loans | 0.0222% | 1,439 |
| Credit loss provision to net charge-offs | 15.7895% | 1,781 |
| Earnings coverage of net charge-offs (x) | 66.3684% | 1,137 |
| Efficiency ratio | 74.4375% | 1,304 |
| Assets per employee ($millions) | 4.3689% | 4,023 |
| Cash dividends to net income (ytd only)* | 43.5451% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,344 |
| Loan loss allowance to noncurrent loans | 216.3462% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 1,425 |
| Noncurrent loans to loans | 0.4715% | 1,533 |
| Net loans and leases to total assets | 78.3900% | 794 |
| Net loans and leases to deposits | 91.4944% | 1,063 |
| Net loans and leases to core deposits | 95.3582% | 1,506 |
| Total domestic deposits to total assets | 85.6800% | 2,335 |
| Equity capital to assets | 9.6655% | 2,053 |
| Core capital (leverage) ratio | 10.3909% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $217,066,667 | 2,884 |
| Average earning assets | $194,393,000 | 2,935 |
| Average equity | $21,264,000 | 2,753 |
| Average total loans | $171,434,000 | 2,514 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 1,805 |
| Cost of funding earning assets | 0.7387% | 2,931 |
| Net interest margin | 3.9787% | 1,303 |
| Noninterest income to average assets | 0.9700% | 606 |
| Noninterest expense to average assets | 3.3670% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0178% | 2,475 |
| Return on assets (ROA) | 1.0178% | 2,443 |
| Pretax return on assets | 1.1690% | 2,515 |
| Return on Equity (ROE) | 10.3200% | 2,690 |
| Retained earnings to average equity (ytd only) | 5.7175% | 2,843 |
| Net charge-offs to loans | 0.0024% | 1,945 |
| Credit loss provision to net charge-offs | 200.0000% | 827 |
| Earnings coverage of net charge-offs (x) | 628.0000% | 181 |
| Efficiency ratio | 74.1670% | 1,326 |
| Assets per employee ($millions) | 4.5338% | 4,005 |
| Cash dividends to net income (ytd only)* | 44.5872% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,249 |
| Loan loss allowance to noncurrent loans | 206.4773% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 1,279 |
| Noncurrent loans to loans | 0.5136% | 1,441 |
| Net loans and leases to total assets | 77.8900% | 774 |
| Net loans and leases to deposits | 90.7454% | 995 |
| Net loans and leases to core deposits | 94.3298% | 1,373 |
| Total domestic deposits to total assets | 85.8300% | 2,642 |
| Equity capital to assets | 9.8258% | 1,916 |
| Core capital (leverage) ratio | 10.6632% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $214,194,000 | 2,949 |
| Average earning assets | $192,221,500 | 2,982 |
| Average equity | $21,128,000 | 2,789 |
| Average total loans | $168,920,500 | 2,554 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 1,025 |
| Cost of funding earning assets | 0.3545% | 2,444 |
| Net interest margin | 3.9592% | 840 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 3.3128% | 615 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.6345% | 3,793 |
| Return on assets (ROA) | 0.6345% | 3,745 |
| Pretax return on assets | 0.7603% | 3,718 |
| Return on Equity (ROE) | 6.2400% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.7327% | 3,794 |
| Net charge-offs to loans | -0.0139% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.3494% | 576 |
| Assets per employee ($millions) | 4.3013% | 4,143 |
| Cash dividends to net income (ytd only)* | 56.1875% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 2,943 |
| Loan loss allowance to noncurrent loans | 291.4928% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 1,672 |
| Noncurrent loans to loans | 0.3741% | 1,801 |
| Net loans and leases to total assets | 78.1400% | 781 |
| Net loans and leases to deposits | 88.8869% | 1,121 |
| Net loans and leases to core deposits | 91.7657% | 1,404 |
| Total domestic deposits to total assets | 87.9100% | 2,100 |
| Equity capital to assets | 9.9034% | 1,754 |
| Core capital (leverage) ratio | 10.7614% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $205,054,000 | 3,013 |
| Average earning assets | $186,450,000 | 3,028 |
| Average equity | $20,858,400 | 2,872 |
| Average total loans | $150,843,400 | 2,627 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 907 |
| Cost of funding earning assets | 0.3132% | 2,030 |
| Net interest margin | 3.8795% | 832 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 3.3682% | 540 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 0.5487% | 3,976 |
| Return on assets (ROA) | 0.5487% | 3,914 |
| Pretax return on assets | 0.6653% | 3,868 |
| Return on Equity (ROE) | 5.3600% | 3,911 |
| Retained earnings to average equity (ytd only) | 1.8540% | 4,060 |
| Net charge-offs to loans | -0.1125% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.1938% | 488 |
| Assets per employee ($millions) | 4.3648% | 4,144 |
| Cash dividends to net income (ytd only)* | 65.3938% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,662 |
| Loan loss allowance to noncurrent loans | 1,021.5054% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 3,032 |
| Noncurrent loans to loans | 0.1151% | 3,068 |
| Net loans and leases to total assets | 77.8300% | 720 |
| Net loans and leases to deposits | 86.7037% | 1,129 |
| Net loans and leases to core deposits | 89.1126% | 1,354 |
| Total domestic deposits to total assets | 89.7700% | 1,756 |
| Equity capital to assets | 9.8165% | 1,718 |
| Core capital (leverage) ratio | 10.7132% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $203,626,000 | 3,045 |
| Average earning assets | $185,586,750 | 3,054 |
| Average equity | $20,854,750 | 2,918 |
| Average total loans | $146,924,750 | 2,667 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 987 |
| Cost of funding earning assets | 0.3070% | 1,663 |
| Net interest margin | 3.6613% | 975 |
| Noninterest income to average assets | 0.4047% | 2,730 |
| Noninterest expense to average assets | 3.3173% | 533 |
| Loan and lease loss provision to assets | -0.1211% | 4,622 |
| Net operating income to assets | 0.4480% | 4,006 |
| Return on assets (ROA) | 0.4480% | 3,960 |
| Pretax return on assets | 0.5553% | 3,912 |
| Return on Equity (ROE) | 4.3141% | 3,961 |
| Retained earnings to average equity (ytd only) | 0.8533% | 4,025 |
| Net charge-offs to loans | -0.1633% | 4,551 |
| Credit loss provision to net charge-offs | 106.0345% | 1,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4252% | 478 |
| Assets per employee ($millions) | 4.2591% | 4,232 |
| Cash dividends to net income (ytd only)* | 80.2198% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,241 |
| Loan loss allowance to noncurrent loans | 904.7847% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 2,994 |
| Noncurrent loans to loans | 0.1425% | 2,989 |
| Net loans and leases to total assets | 70.7967% | 1,221 |
| Net loans and leases to deposits | 79.1179% | 1,459 |
| Net loans and leases to core deposits | 80.9431% | 1,660 |
| Total domestic deposits to total assets | 89.4824% | 1,955 |
| Equity capital to assets | 10.0832% | 1,669 |
| Core capital (leverage) ratio | 10.6396% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,119,667 | 3,077 |
| Average earning assets | $185,672,000 | 3,095 |
| Average equity | $21,093,667 | 2,966 |
| Average total loans | $142,045,000 | 2,732 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 1,016 |
| Cost of funding earning assets | 0.3120% | 1,541 |
| Net interest margin | 3.5289% | 1,030 |
| Noninterest income to average assets | 0.3892% | 2,762 |
| Noninterest expense to average assets | 3.3389% | 502 |
| Loan and lease loss provision to assets | -0.0652% | 4,544 |
| Net operating income to assets | 0.2628% | 4,218 |
| Return on assets (ROA) | 0.2628% | 4,187 |
| Pretax return on assets | 0.3556% | 4,107 |
| Return on Equity (ROE) | 2.4937% | 4,186 |
| Retained earnings to average equity (ytd only) | -0.9375% | 4,135 |
| Net charge-offs to loans | -0.0487% | 4,245 |
| Credit loss provision to net charge-offs | 194.1176% | 786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9978% | 462 |
| Assets per employee ($millions) | 4.4318% | 4,173 |
| Cash dividends to net income (ytd only)* | 137.5940% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 2,146 |
| Loan loss allowance to noncurrent loans | 1,695.4955% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,504 |
| Noncurrent loans to loans | 0.0792% | 3,444 |
| Net loans and leases to total assets | 67.8328% | 1,232 |
| Net loans and leases to deposits | 76.0365% | 1,441 |
| Net loans and leases to core deposits | 77.5463% | 1,649 |
| Total domestic deposits to total assets | 89.2109% | 1,972 |
| Equity capital to assets | 10.3221% | 1,678 |
| Core capital (leverage) ratio | 10.7166% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,460,000 | 3,085 |
| Average earning assets | $185,894,000 | 3,103 |
| Average equity | $21,333,500 | 3,030 |
| Average total loans | $139,754,000 | 2,753 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 1,321 |
| Cost of funding earning assets | 0.3828% | 1,660 |
| Net interest margin | 3.6346% | 1,378 |
| Noninterest income to average assets | 0.5490% | 2,367 |
| Noninterest expense to average assets | 3.2513% | 673 |
| Loan and lease loss provision to assets | 0.0016% | 3,040 |
| Net operating income to assets | 0.5321% | 4,015 |
| Return on assets (ROA) | 0.5873% | 3,947 |
| Pretax return on assets | 0.6681% | 3,999 |
| Return on Equity (ROE) | 5.2893% | 3,935 |
| Retained earnings to average equity (ytd only) | 1.8751% | 4,017 |
| Net charge-offs to loans | 0.0045% | 2,437 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 195.3333% | 555 |
| Efficiency ratio | 84.2685% | 559 |
| Assets per employee ($millions) | 4.7871% | 3,899 |
| Cash dividends to net income (ytd only)* | 64.5503% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 2,086 |
| Loan loss allowance to noncurrent loans | 475.6892% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 2,572 |
| Noncurrent loans to loans | 0.2863% | 2,570 |
| Net loans and leases to total assets | 68.3597% | 1,229 |
| Net loans and leases to deposits | 76.9914% | 1,488 |
| Net loans and leases to core deposits | 78.1907% | 1,742 |
| Total domestic deposits to total assets | 88.7888% | 1,620 |
| Equity capital to assets | 10.7552% | 1,971 |
| Core capital (leverage) ratio | 10.9180% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,092,400 | 3,114 |
| Average earning assets | $175,809,400 | 3,125 |
| Average equity | $21,439,400 | 3,100 |
| Average total loans | $133,906,800 | 2,800 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 1,450 |
| Cost of funding earning assets | 0.4019% | 1,680 |
| Net interest margin | 3.6367% | 1,502 |
| Noninterest income to average assets | 0.5840% | 2,282 |
| Noninterest expense to average assets | 3.2603% | 636 |
| Loan and lease loss provision to assets | -0.0089% | 4,313 |
| Net operating income to assets | 0.5510% | 4,097 |
| Return on assets (ROA) | 0.6244% | 4,013 |
| Pretax return on assets | 0.7193% | 4,036 |
| Return on Equity (ROE) | 5.5779% | 4,003 |
| Retained earnings to average equity (ytd only) | 2.1564% | 4,151 |
| Net charge-offs to loans | -0.0111% | 3,715 |
| Credit loss provision to net charge-offs | 118.1818% | 1,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8959% | 526 |
| Assets per employee ($millions) | 4.8256% | 3,863 |
| Cash dividends to net income (ytd only)* | 61.3408% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,024 |
| Loan loss allowance to noncurrent loans | 467.7340% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 2,793 |
| Noncurrent loans to loans | 0.2989% | 2,722 |
| Net loans and leases to total assets | 66.0769% | 1,537 |
| Net loans and leases to deposits | 74.4028% | 1,820 |
| Net loans and leases to core deposits | 75.6600% | 2,084 |
| Total domestic deposits to total assets | 88.8097% | 1,393 |
| Equity capital to assets | 10.6633% | 2,303 |
| Core capital (leverage) ratio | 11.1040% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,101,250 | 3,161 |
| Average earning assets | $173,522,250 | 3,184 |
| Average equity | $21,393,250 | 3,137 |
| Average total loans | $132,548,500 | 2,858 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 1,425 |
| Cost of funding earning assets | 0.4248% | 1,701 |
| Net interest margin | 3.6368% | 1,504 |
| Noninterest income to average assets | 0.6409% | 2,039 |
| Noninterest expense to average assets | 3.2920% | 623 |
| Loan and lease loss provision to assets | 0.0598% | 1,834 |
| Net operating income to assets | 0.5334% | 4,157 |
| Return on assets (ROA) | 0.6462% | 3,944 |
| Pretax return on assets | 0.7370% | 3,994 |
| Return on Equity (ROE) | 5.6753% | 3,983 |
| Retained earnings to average equity (ytd only) | 2.2420% | 4,059 |
| Net charge-offs to loans | -0.0122% | 3,748 |
| Credit loss provision to net charge-offs | -700.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1176% | 605 |
| Assets per employee ($millions) | 4.7286% | 3,906 |
| Cash dividends to net income (ytd only)* | 60.4959% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,712 |
| Loan loss allowance to noncurrent loans | 361.8785% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 2,495 |
| Noncurrent loans to loans | 0.4044% | 2,467 |
| Net loans and leases to total assets | 69.9569% | 1,201 |
| Net loans and leases to deposits | 79.4161% | 1,474 |
| Net loans and leases to core deposits | 80.8654% | 1,816 |
| Total domestic deposits to total assets | 88.0890% | 1,775 |
| Equity capital to assets | 11.3775% | 1,714 |
| Core capital (leverage) ratio | 11.2328% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,243,000 | 3,195 |
| Average earning assets | $170,917,333 | 3,210 |
| Average equity | $21,320,333 | 3,144 |
| Average total loans | $131,457,667 | 2,884 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 1,382 |
| Cost of funding earning assets | 0.4877% | 1,470 |
| Net interest margin | 3.6128% | 1,550 |
| Noninterest income to average assets | 0.4166% | 3,005 |
| Noninterest expense to average assets | 3.2530% | 644 |
| Loan and lease loss provision to assets | 0.0558% | 1,996 |
| Net operating income to assets | 0.3371% | 4,469 |
| Return on assets (ROA) | 0.3371% | 4,504 |
| Pretax return on assets | 0.3843% | 4,505 |
| Return on Equity (ROE) | 2.9594% | 4,477 |
| Retained earnings to average equity (ytd only) | -0.4901% | 4,411 |
| Net charge-offs to loans | 0.0062% | 1,678 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 610 |
| Efficiency ratio | 88.0814% | 438 |
| Assets per employee ($millions) | 4.6480% | 3,984 |
| Cash dividends to net income (ytd only)* | 116.5605% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 1,742 |
| Loan loss allowance to noncurrent loans | 318.7086% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 2,559 |
| Noncurrent loans to loans | 0.4576% | 2,482 |
| Net loans and leases to total assets | 68.2467% | 1,496 |
| Net loans and leases to deposits | 80.5648% | 1,464 |
| Net loans and leases to core deposits | 81.8368% | 1,852 |
| Total domestic deposits to total assets | 84.7103% | 3,218 |
| Equity capital to assets | 11.1436% | 1,759 |
| Core capital (leverage) ratio | 11.4648% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,292,000 | 3,189 |
| Average earning assets | $168,952,500 | 3,226 |
| Average equity | $21,220,500 | 3,137 |
| Average total loans | $130,044,000 | 2,900 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,145 |
| Cost of funding earning assets | 0.6141% | 2,213 |
| Net interest margin | 3.9606% | 1,059 |
| Noninterest income to average assets | 0.3989% | 3,093 |
| Noninterest expense to average assets | 3.3703% | 826 |
| Loan and lease loss provision to assets | 0.1318% | 2,716 |
| Net operating income to assets | 0.3949% | 4,252 |
| Return on assets (ROA) | 0.3949% | 4,336 |
| Pretax return on assets | 0.5186% | 4,241 |
| Return on Equity (ROE) | 3.2723% | 4,307 |
| Retained earnings to average equity (ytd only) | -0.1900% | 4,548 |
| Net charge-offs to loans | 0.0181% | 2,720 |
| Credit loss provision to net charge-offs | 958.3333% | 802 |
| Earnings coverage of net charge-offs (x) | 47.2917% | 1,254 |
| Efficiency ratio | 83.8227% | 647 |
| Assets per employee ($millions) | 4.9194% | 3,484 |
| Cash dividends to net income (ytd only)* | 105.8055% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,641 |
| Loan loss allowance to noncurrent loans | 307.6052% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 2,632 |
| Noncurrent loans to loans | 0.4824% | 2,523 |
| Net loans and leases to total assets | 69.3376% | 1,644 |
| Net loans and leases to deposits | 82.5174% | 1,597 |
| Net loans and leases to core deposits | 83.8897% | 2,042 |
| Total domestic deposits to total assets | 84.0280% | 3,100 |
| Equity capital to assets | 11.6499% | 1,771 |
| Core capital (leverage) ratio | 11.9435% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,496,200 | 3,153 |
| Average earning assets | $159,572,800 | 3,172 |
| Average equity | $21,055,800 | 3,090 |
| Average total loans | $132,251,600 | 2,839 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 1,264 |
| Cost of funding earning assets | 0.6451% | 2,352 |
| Net interest margin | 3.9697% | 1,185 |
| Noninterest income to average assets | 0.3901% | 3,128 |
| Noninterest expense to average assets | 3.3932% | 805 |
| Loan and lease loss provision to assets | 0.2161% | 1,868 |
| Net operating income to assets | 0.2696% | 4,492 |
| Return on assets (ROA) | 0.2696% | 4,536 |
| Pretax return on assets | 0.4356% | 4,396 |
| Return on Equity (ROE) | 2.2139% | 4,525 |
| Retained earnings to average equity (ytd only) | -1.2560% | 4,638 |
| Net charge-offs to loans | 0.0730% | 1,580 |
| Credit loss provision to net charge-offs | 383.5616% | 1,513 |
| Earnings coverage of net charge-offs (x) | 11.5616% | 2,295 |
| Efficiency ratio | 83.8839% | 610 |
| Assets per employee ($millions) | 4.5443% | 3,784 |
| Cash dividends to net income (ytd only)* | 156.7335% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,452 |
| Loan loss allowance to noncurrent loans | 343.9421% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 2,911 |
| Noncurrent loans to loans | 0.4295% | 2,768 |
| Net loans and leases to total assets | 71.5820% | 1,729 |
| Net loans and leases to deposits | 85.5553% | 1,754 |
| Net loans and leases to core deposits | 87.4189% | 2,200 |
| Total domestic deposits to total assets | 83.6675% | 2,938 |
| Equity capital to assets | 11.8214% | 1,786 |
| Core capital (leverage) ratio | 11.6959% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,615,750 | 3,157 |
| Average earning assets | $158,931,500 | 3,164 |
| Average equity | $21,018,500 | 3,090 |
| Average total loans | $133,287,500 | 2,835 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 1,407 |
| Cost of funding earning assets | 0.6908% | 2,441 |
| Net interest margin | 4.0090% | 1,296 |
| Noninterest income to average assets | 0.3835% | 3,184 |
| Noninterest expense to average assets | 3.3973% | 851 |
| Loan and lease loss provision to assets | 0.1824% | 2,196 |
| Net operating income to assets | 0.2291% | 4,532 |
| Return on assets (ROA) | 0.2291% | 4,570 |
| Pretax return on assets | 0.5015% | 4,247 |
| Return on Equity (ROE) | 1.8630% | 4,554 |
| Retained earnings to average equity (ytd only) | -1.6064% | 4,550 |
| Net charge-offs to loans | 0.0979% | 1,291 |
| Credit loss provision to net charge-offs | 236.3636% | 1,790 |
| Earnings coverage of net charge-offs (x) | 8.8636% | 2,259 |
| Efficiency ratio | 83.2426% | 683 |
| Assets per employee ($millions) | 5.0236% | 3,149 |
| Cash dividends to net income (ytd only)* | 186.2245% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,690 |
| Loan loss allowance to noncurrent loans | 313.7083% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 3,055 |
| Noncurrent loans to loans | 0.4366% | 2,856 |
| Net loans and leases to total assets | 71.0790% | 1,857 |
| Net loans and leases to deposits | 84.6192% | 1,926 |
| Net loans and leases to core deposits | 87.7147% | 2,277 |
| Total domestic deposits to total assets | 83.9987% | 2,746 |
| Equity capital to assets | 11.6031% | 1,911 |
| Core capital (leverage) ratio | 11.9443% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,078,000 | 3,150 |
| Average earning assets | $157,794,333 | 3,154 |
| Average equity | $21,041,000 | 3,077 |
| Average total loans | $134,794,667 | 2,807 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 1,176 |
| Cost of funding earning assets | 0.6933% | 2,965 |
| Net interest margin | 4.2146% | 894 |
| Noninterest income to average assets | 0.4188% | 2,977 |
| Noninterest expense to average assets | 3.5068% | 927 |
| Loan and lease loss provision to assets | 0.0915% | 2,542 |
| Net operating income to assets | 0.4019% | 4,131 |
| Return on assets (ROA) | 0.4019% | 4,165 |
| Pretax return on assets | 0.7269% | 3,603 |
| Return on Equity (ROE) | 3.1705% | 4,170 |
| Retained earnings to average equity (ytd only) | -0.2848% | 4,033 |
| Net charge-offs to loans | 0.0701% | 1,328 |
| Credit loss provision to net charge-offs | 158.3333% | 1,556 |
| Earnings coverage of net charge-offs (x) | 14.1667% | 1,610 |
| Efficiency ratio | 81.0796% | 1,034 |
| Assets per employee ($millions) | 4.1693% | 3,696 |
| Cash dividends to net income (ytd only)* | 108.9820% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,313 |
| Loan loss allowance to noncurrent loans | 271.7011% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 2,931 |
| Noncurrent loans to loans | 0.4654% | 2,856 |
| Net loans and leases to total assets | 80.0158% | 694 |
| Net loans and leases to deposits | 96.8670% | 833 |
| Net loans and leases to core deposits | 100.2788% | 1,450 |
| Total domestic deposits to total assets | 82.6038% | 3,233 |
| Equity capital to assets | 12.5765% | 1,687 |
| Core capital (leverage) ratio | 12.7528% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,193,000 | 3,168 |
| Average earning assets | $154,037,000 | 3,154 |
| Average equity | $21,069,500 | 3,067 |
| Average total loans | $137,027,000 | 2,752 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 1,361 |
| Cost of funding earning assets | 0.5858% | 3,693 |
| Net interest margin | 4.4575% | 783 |
| Noninterest income to average assets | 0.4927% | 2,783 |
| Noninterest expense to average assets | 3.3971% | 1,123 |
| Loan and lease loss provision to assets | 0.1244% | 1,708 |
| Net operating income to assets | 0.9333% | 3,080 |
| Return on assets (ROA) | 0.9624% | 3,059 |
| Pretax return on assets | 1.2094% | 2,809 |
| Return on Equity (ROE) | 7.6713% | 3,301 |
| Retained earnings to average equity (ytd only) | 4.1501% | 2,887 |
| Net charge-offs to loans | 0.1696% | 1,192 |
| Credit loss provision to net charge-offs | 87.6068% | 2,680 |
| Earnings coverage of net charge-offs (x) | 9.1368% | 2,697 |
| Efficiency ratio | 72.3630% | 1,819 |
| Assets per employee ($millions) | 3.3799% | 4,584 |
| Cash dividends to net income (ytd only)* | 45.9016% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,317 |
| Loan loss allowance to noncurrent loans | 255.0376% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 2,790 |
| Noncurrent loans to loans | 0.4788% | 2,752 |
| Net loans and leases to total assets | 82.8463% | 444 |
| Net loans and leases to deposits | 100.4289% | 576 |
| Net loans and leases to core deposits | 103.9771% | 1,230 |
| Total domestic deposits to total assets | 82.4924% | 3,366 |
| Equity capital to assets | 12.7797% | 1,657 |
| Core capital (leverage) ratio | 12.8413% | 1,316 |
| Tier 1 risk-based capital ratio | 17.2102% | 1,991 |
| Total risk-based capital ratio | 18.4616% | 1,930 |
| Memoranda: | ||
| Average total assets | $164,790,000 | 3,157 |
| Average earning assets | $155,334,800 | 3,132 |
| Average equity | $20,674,400 | 3,070 |
| Average total loans | $137,974,200 | 2,748 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 1,508 |
| Cost of funding earning assets | 0.5603% | 3,870 |
| Net interest margin | 4.4496% | 855 |
| Noninterest income to average assets | 0.4577% | 2,975 |
| Noninterest expense to average assets | 3.3660% | 1,151 |
| Loan and lease loss provision to assets | 0.0842% | 2,224 |
| Net operating income to assets | 0.9151% | 3,288 |
| Return on assets (ROA) | 0.9535% | 3,230 |
| Pretax return on assets | 1.2638% | 2,776 |
| Return on Equity (ROE) | 7.6358% | 3,461 |
| Retained earnings to average equity (ytd only) | 4.0936% | 3,352 |
| Net charge-offs to loans | 0.0745% | 1,753 |
| Credit loss provision to net charge-offs | 135.0649% | 1,769 |
| Earnings coverage of net charge-offs (x) | 20.8320% | 1,943 |
| Efficiency ratio | 72.1479% | 1,815 |
| Assets per employee ($millions) | 4.1715% | 3,663 |
| Cash dividends to net income (ytd only)* | 46.3891% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,131 |
| Loan loss allowance to noncurrent loans | 173.4653% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 2,183 |
| Noncurrent loans to loans | 0.7308% | 2,138 |
| Net loans and leases to total assets | 81.7753% | 593 |
| Net loans and leases to deposits | 98.9457% | 723 |
| Net loans and leases to core deposits | 102.3892% | 1,465 |
| Total domestic deposits to total assets | 82.6466% | 3,268 |
| Equity capital to assets | 12.5638% | 1,865 |
| Core capital (leverage) ratio | 12.6304% | 1,515 |
| Tier 1 risk-based capital ratio | 16.9120% | 2,111 |
| Total risk-based capital ratio | 18.1635% | 2,054 |
| Memoranda: | ||
| Average total assets | $164,584,000 | 3,191 |
| Average earning assets | $155,634,750 | 3,159 |
| Average equity | $20,551,750 | 3,108 |
| Average total loans | $137,742,500 | 2,771 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 1,481 |
| Cost of funding earning assets | 0.5291% | 3,995 |
| Net interest margin | 4.4740% | 815 |
| Noninterest income to average assets | 0.4419% | 3,004 |
| Noninterest expense to average assets | 3.4110% | 1,086 |
| Loan and lease loss provision to assets | 0.0891% | 2,063 |
| Net operating income to assets | 0.8577% | 3,441 |
| Return on assets (ROA) | 0.9156% | 3,283 |
| Pretax return on assets | 1.2477% | 2,757 |
| Return on Equity (ROE) | 7.3478% | 3,552 |
| Retained earnings to average equity (ytd only) | 3.7719% | 3,367 |
| Net charge-offs to loans | 0.0654% | 1,717 |
| Credit loss provision to net charge-offs | 162.2222% | 1,409 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,667 |
| Efficiency ratio | 72.9694% | 1,780 |
| Assets per employee ($millions) | 4.8808% | 2,625 |
| Cash dividends to net income (ytd only)* | 48.6667% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,111 |
| Loan loss allowance to noncurrent loans | 203.2483% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 2,477 |
| Noncurrent loans to loans | 0.6280% | 2,376 |
| Net loans and leases to total assets | 81.6622% | 654 |
| Net loans and leases to deposits | 98.6956% | 777 |
| Net loans and leases to core deposits | 101.9354% | 1,561 |
| Total domestic deposits to total assets | 82.7415% | 3,293 |
| Equity capital to assets | 12.4618% | 1,881 |
| Core capital (leverage) ratio | 12.4665% | 1,549 |
| Tier 1 risk-based capital ratio | 17.0919% | 2,059 |
| Total risk-based capital ratio | 18.3444% | 2,006 |
| Memoranda: | ||
| Average total assets | $163,825,000 | 3,212 |
| Average earning assets | $154,984,670 | 3,180 |
| Average equity | $20,414,330 | 3,111 |
| Average total loans | $137,589,000 | 2,789 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 1,502 |
| Cost of funding earning assets | 0.4771% | 4,172 |
| Net interest margin | 4.4625% | 799 |
| Noninterest income to average assets | 0.4178% | 3,068 |
| Noninterest expense to average assets | 3.3963% | 1,115 |
| Loan and lease loss provision to assets | 0.1032% | 1,706 |
| Net operating income to assets | 0.7903% | 3,657 |
| Return on assets (ROA) | 0.9068% | 3,258 |
| Pretax return on assets | 1.2951% | 2,471 |
| Return on Equity (ROE) | 7.2776% | 3,558 |
| Retained earnings to average equity (ytd only) | 3.6881% | 3,447 |
| Net charge-offs to loans | 0.0029% | 2,639 |
| Credit loss provision to net charge-offs | 4,200.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 509.0000% | 148 |
| Efficiency ratio | 73.0830% | 1,869 |
| Assets per employee ($millions) | 4.9486% | 2,590 |
| Cash dividends to net income (ytd only)* | 49.3225% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,234 |
| Loan loss allowance to noncurrent loans | 534.8485% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 3,807 |
| Noncurrent loans to loans | 0.2372% | 3,724 |
| Net loans and leases to total assets | 84.1223% | 361 |
| Net loans and leases to deposits | 96.8269% | 901 |
| Net loans and leases to core deposits | 100.2825% | 1,597 |
| Total domestic deposits to total assets | 86.8792% | 1,874 |
| Equity capital to assets | 12.5060% | 1,735 |
| Core capital (leverage) ratio | 12.6648% | 1,423 |
| Tier 1 risk-based capital ratio | 16.8690% | 2,145 |
| Total risk-based capital ratio | 18.1214% | 2,097 |
| Memoranda: | ||
| Average total assets | $162,764,000 | 3,265 |
| Average earning assets | $154,264,500 | 3,222 |
| Average equity | $20,281,500 | 3,132 |
| Average total loans | $137,749,500 | 2,819 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 1,409 |
| Cost of funding earning assets | 0.4621% | 3,596 |
| Net interest margin | 4.3916% | 954 |
| Noninterest income to average assets | 0.4639% | 3,029 |
| Noninterest expense to average assets | 3.0906% | 1,826 |
| Loan and lease loss provision to assets | 0.1261% | 1,740 |
| Net operating income to assets | 1.0699% | 2,719 |
| Return on assets (ROA) | 1.0699% | 2,702 |
| Pretax return on assets | 1.3897% | 2,171 |
| Return on Equity (ROE) | 8.8019% | 3,095 |
| Retained earnings to average equity (ytd only) | 5.0727% | 2,728 |
| Net charge-offs to loans | 0.1068% | 1,681 |
| Credit loss provision to net charge-offs | 143.9716% | 1,890 |
| Earnings coverage of net charge-offs (x) | 17.3121% | 2,203 |
| Efficiency ratio | 67.0936% | 2,693 |
| Assets per employee ($millions) | 4.6349% | 2,980 |
| Cash dividends to net income (ytd only)* | 42.3680% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,229 |
| Loan loss allowance to noncurrent loans | 502.6239% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 3,769 |
| Noncurrent loans to loans | 0.2515% | 3,679 |
| Net loans and leases to total assets | 82.9932% | 512 |
| Net loans and leases to deposits | 95.2898% | 1,143 |
| Net loans and leases to core deposits | 96.7122% | 1,993 |
| Total domestic deposits to total assets | 87.0955% | 1,741 |
| Equity capital to assets | 12.4150% | 1,625 |
| Core capital (leverage) ratio | 12.4697% | 1,472 |
| Tier 1 risk-based capital ratio | 17.0495% | 2,049 |
| Total risk-based capital ratio | 18.3016% | 1,993 |
| Memoranda: | ||
| Average total assets | $161,038,800 | 3,263 |
| Average earning assets | $151,904,200 | 3,225 |
| Average equity | $19,575,400 | 3,128 |
| Average total loans | $132,082,000 | 2,856 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,431 |
| Cost of funding earning assets | 0.4604% | 3,452 |
| Net interest margin | 4.3386% | 1,038 |
| Noninterest income to average assets | 0.4545% | 3,137 |
| Noninterest expense to average assets | 3.0383% | 1,899 |
| Loan and lease loss provision to assets | 0.1468% | 1,352 |
| Net operating income to assets | 0.9978% | 3,092 |
| Return on assets (ROA) | 0.9978% | 3,106 |
| Pretax return on assets | 1.3578% | 2,389 |
| Return on Equity (ROE) | 8.2533% | 3,440 |
| Retained earnings to average equity (ytd only) | 4.5142% | 3,492 |
| Net charge-offs to loans | 0.1252% | 1,261 |
| Credit loss provision to net charge-offs | 143.9024% | 1,766 |
| Earnings coverage of net charge-offs (x) | 14.7476% | 2,269 |
| Efficiency ratio | 66.8797% | 2,732 |
| Assets per employee ($millions) | 4.6336% | 2,942 |
| Cash dividends to net income (ytd only)* | 45.3035% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,190 |
| Loan loss allowance to noncurrent loans | 441.1311% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,760 |
| Noncurrent loans to loans | 0.2904% | 3,644 |
| Net loans and leases to total assets | 81.5349% | 792 |
| Net loans and leases to deposits | 93.3610% | 1,457 |
| Net loans and leases to core deposits | 93.8827% | 2,299 |
| Total domestic deposits to total assets | 87.3329% | 1,583 |
| Equity capital to assets | 12.1387% | 1,812 |
| Core capital (leverage) ratio | 12.3372% | 1,587 |
| Tier 1 risk-based capital ratio | 17.1356% | 2,051 |
| Total risk-based capital ratio | 18.3877% | 1,992 |
| Memoranda: | ||
| Average total assets | $160,742,750 | 3,290 |
| Average earning assets | $151,472,500 | 3,257 |
| Average equity | $19,434,250 | 3,162 |
| Average total loans | $131,013,000 | 2,888 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 1,419 |
| Cost of funding earning assets | 0.4653% | 3,255 |
| Net interest margin | 4.2696% | 1,107 |
| Noninterest income to average assets | 0.4468% | 3,173 |
| Noninterest expense to average assets | 2.9813% | 2,091 |
| Loan and lease loss provision to assets | 0.1622% | 1,148 |
| Net operating income to assets | 0.9534% | 3,218 |
| Return on assets (ROA) | 0.9534% | 3,227 |
| Pretax return on assets | 1.3228% | 2,423 |
| Return on Equity (ROE) | 7.8965% | 3,543 |
| Retained earnings to average equity (ytd only) | 4.1446% | 3,541 |
| Net charge-offs to loans | 0.0154% | 2,630 |
| Credit loss provision to net charge-offs | 1,300.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 619 |
| Efficiency ratio | 66.7505% | 2,856 |
| Assets per employee ($millions) | 4.7482% | 2,750 |
| Cash dividends to net income (ytd only)* | 47.5131% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,939 |
| Loan loss allowance to noncurrent loans | 536.7470% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 3,977 |
| Noncurrent loans to loans | 0.2518% | 3,799 |
| Net loans and leases to total assets | 80.5709% | 934 |
| Net loans and leases to deposits | 92.1529% | 1,565 |
| Net loans and leases to core deposits | 92.6683% | 2,338 |
| Total domestic deposits to total assets | 87.4317% | 1,673 |
| Equity capital to assets | 12.0944% | 1,787 |
| Core capital (leverage) ratio | 12.1722% | 1,603 |
| Tier 1 risk-based capital ratio | 17.2337% | 2,023 |
| Total risk-based capital ratio | 18.4875% | 1,974 |
| Memoranda: | ||
| Average total assets | $160,265,000 | 3,322 |
| Average earning assets | $150,879,670 | 3,284 |
| Average equity | $19,350,330 | 3,191 |
| Average total loans | $130,035,330 | 2,910 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 1,485 |
| Cost of funding earning assets | 0.4663% | 3,075 |
| Net interest margin | 4.1645% | 1,265 |
| Noninterest income to average assets | 0.4208% | 3,311 |
| Noninterest expense to average assets | 2.9033% | 2,357 |
| Loan and lease loss provision to assets | 0.1303% | 1,451 |
| Net operating income to assets | 0.8417% | 3,547 |
| Return on assets (ROA) | 0.8417% | 3,562 |
| Pretax return on assets | 1.3026% | 2,359 |
| Return on Equity (ROE) | 6.9771% | 3,794 |
| Retained earnings to average equity (ytd only) | 3.2186% | 3,919 |
| Net charge-offs to loans | -0.0031% | 3,880 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9555% | 3,012 |
| Assets per employee ($millions) | 4.9062% | 2,603 |
| Cash dividends to net income (ytd only)* | 53.8690% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,083 |
| Loan loss allowance to noncurrent loans | 288.2353% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 3,362 |
| Noncurrent loans to loans | 0.4631% | 3,140 |
| Net loans and leases to total assets | 78.2963% | 1,196 |
| Net loans and leases to deposits | 89.4897% | 1,750 |
| Net loans and leases to core deposits | 90.3083% | 2,426 |
| Total domestic deposits to total assets | 87.4919% | 1,901 |
| Equity capital to assets | 11.9294% | 1,843 |
| Core capital (leverage) ratio | 12.1707% | 1,548 |
| Tier 1 risk-based capital ratio | 17.6383% | 1,938 |
| Total risk-based capital ratio | 18.8914% | 1,884 |
| Memoranda: | ||
| Average total assets | $159,678,500 | 3,358 |
| Average earning assets | $150,125,500 | 3,327 |
| Average equity | $19,263,000 | 3,224 |
| Average total loans | $129,126,000 | 2,947 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 884 |
| Cost of funding earning assets | 0.4523% | 2,756 |
| Net interest margin | 4.4020% | 762 |
| Noninterest income to average assets | 0.4821% | 3,116 |
| Noninterest expense to average assets | 2.9085% | 2,425 |
| Loan and lease loss provision to assets | 0.2053% | 1,001 |
| Net operating income to assets | 0.9820% | 2,317 |
| Return on assets (ROA) | 0.9820% | 2,355 |
| Pretax return on assets | 1.5017% | 1,640 |
| Return on Equity (ROE) | 8.1837% | 2,713 |
| Retained earnings to average equity (ytd only) | 4.3044% | 2,574 |
| Net charge-offs to loans | 0.1358% | 1,709 |
| Credit loss provision to net charge-offs | 180.8989% | 1,499 |
| Earnings coverage of net charge-offs (x) | 15.0393% | 2,274 |
| Efficiency ratio | 63.0146% | 3,773 |
| Assets per employee ($millions) | 4.7713% | 2,770 |
| Cash dividends to net income (ytd only)* | 47.4026% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,315 |
| Loan loss allowance to noncurrent loans | 438.5224% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,933 |
| Noncurrent loans to loans | 0.2920% | 3,735 |
| Net loans and leases to total assets | 81.3641% | 766 |
| Net loans and leases to deposits | 94.8619% | 1,186 |
| Net loans and leases to core deposits | 95.7703% | 2,044 |
| Total domestic deposits to total assets | 85.7711% | 2,547 |
| Equity capital to assets | 12.2017% | 1,702 |
| Core capital (leverage) ratio | 12.3027% | 1,445 |
| Tier 1 risk-based capital ratio | 17.3520% | 1,976 |
| Total risk-based capital ratio | 18.6046% | 1,935 |
| Memoranda: | ||
| Average total assets | $156,818,800 | 3,391 |
| Average earning assets | $147,251,800 | 3,358 |
| Average equity | $18,817,800 | 3,260 |
| Average total loans | $131,066,600 | 2,898 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 799 |
| Cost of funding earning assets | 0.4518% | 2,702 |
| Net interest margin | 4.4228% | 697 |
| Noninterest income to average assets | 0.4723% | 3,197 |
| Noninterest expense to average assets | 2.9354% | 2,294 |
| Loan and lease loss provision to assets | 0.2077% | 909 |
| Net operating income to assets | 0.9847% | 2,618 |
| Return on assets (ROA) | 0.9847% | 2,680 |
| Pretax return on assets | 1.4783% | 1,849 |
| Return on Equity (ROE) | 8.2409% | 2,999 |
| Retained earnings to average equity (ytd only) | 4.3448% | 3,325 |
| Net charge-offs to loans | 0.0386% | 2,664 |
| Credit loss provision to net charge-offs | 642.1053% | 514 |
| Earnings coverage of net charge-offs (x) | 52.1269% | 1,088 |
| Efficiency ratio | 63.5175% | 3,643 |
| Assets per employee ($millions) | 4.7242% | 2,799 |
| Cash dividends to net income (ytd only)* | 47.2777% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,258 |
| Loan loss allowance to noncurrent loans | 389.1648% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 3,930 |
| Noncurrent loans to loans | 0.3395% | 3,733 |
| Net loans and leases to total assets | 82.5978% | 591 |
| Net loans and leases to deposits | 98.2175% | 890 |
| Net loans and leases to core deposits | 98.8046% | 1,817 |
| Total domestic deposits to total assets | 84.0969% | 3,085 |
| Equity capital to assets | 12.2296% | 1,820 |
| Core capital (leverage) ratio | 12.1730% | 1,583 |
| Tier 1 risk-based capital ratio | 17.0712% | 2,136 |
| Total risk-based capital ratio | 18.3242% | 2,088 |
| Memoranda: | ||
| Average total assets | $156,660,000 | 3,420 |
| Average earning assets | $146,961,750 | 3,387 |
| Average equity | $18,719,250 | 3,301 |
| Average total loans | $131,390,000 | 2,924 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 753 |
| Cost of funding earning assets | 0.4487% | 2,614 |
| Net interest margin | 4.4146% | 682 |
| Noninterest income to average assets | 0.4678% | 3,235 |
| Noninterest expense to average assets | 2.9430% | 2,286 |
| Loan and lease loss provision to assets | 0.2116% | 842 |
| Net operating income to assets | 0.9636% | 2,591 |
| Return on assets (ROA) | 0.9636% | 2,648 |
| Pretax return on assets | 1.4518% | 1,816 |
| Return on Equity (ROE) | 8.1274% | 2,951 |
| Retained earnings to average equity (ytd only) | 4.2035% | 3,204 |
| Net charge-offs to loans | 0.0121% | 3,030 |
| Credit loss provision to net charge-offs | 2,075.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 163.1250% | 470 |
| Efficiency ratio | 63.8904% | 3,687 |
| Assets per employee ($millions) | 4.9232% | 2,480 |
| Cash dividends to net income (ytd only)* | 48.2804% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,566 |
| Loan loss allowance to noncurrent loans | 1,764.2105% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,960 |
| Noncurrent loans to loans | 0.0721% | 4,843 |
| Net loans and leases to total assets | 82.6192% | 591 |
| Net loans and leases to deposits | 97.8632% | 906 |
| Net loans and leases to core deposits | 98.4390% | 1,770 |
| Total domestic deposits to total assets | 84.4232% | 3,042 |
| Equity capital to assets | 11.9594% | 1,959 |
| Core capital (leverage) ratio | 11.9464% | 1,664 |
| Tier 1 risk-based capital ratio | 15.9958% | 2,512 |
| Total risk-based capital ratio | 17.2475% | 2,450 |
| Memoranda: | ||
| Average total assets | $156,913,330 | 3,432 |
| Average earning assets | $147,101,330 | 3,402 |
| Average equity | $18,603,670 | 3,319 |
| Average total loans | $131,688,670 | 2,917 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 770 |
| Cost of funding earning assets | 0.4360% | 2,657 |
| Net interest margin | 4.3520% | 703 |
| Noninterest income to average assets | 0.4470% | 3,332 |
| Noninterest expense to average assets | 2.8404% | 2,649 |
| Loan and lease loss provision to assets | 0.2248% | 699 |
| Net operating income to assets | 0.9604% | 2,476 |
| Return on assets (ROA) | 0.9604% | 2,534 |
| Pretax return on assets | 1.4611% | 1,660 |
| Return on Equity (ROE) | 8.1363% | 2,842 |
| Retained earnings to average equity (ytd only) | 4.1980% | 3,355 |
| Net charge-offs to loans | 0.1580% | 1,024 |
| Credit loss provision to net charge-offs | 169.2308% | 1,124 |
| Earnings coverage of net charge-offs (x) | 12.6923% | 1,831 |
| Efficiency ratio | 62.7540% | 4,025 |
| Assets per employee ($millions) | 4.8379% | 2,644 |
| Cash dividends to net income (ytd only)* | 48.4043% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 3,284 |
| Loan loss allowance to noncurrent loans | 369.1211% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 3,773 |
| Noncurrent loans to loans | 0.3183% | 3,981 |
| Net loans and leases to total assets | 81.8799% | 580 |
| Net loans and leases to deposits | 96.7193% | 872 |
| Net loans and leases to core deposits | 97.0972% | 1,740 |
| Total domestic deposits to total assets | 84.6572% | 3,238 |
| Equity capital to assets | 11.6504% | 2,079 |
| Core capital (leverage) ratio | 11.9952% | 1,635 |
| Tier 1 risk-based capital ratio | 15.8851% | 2,596 |
| Total risk-based capital ratio | 17.1353% | 2,543 |
| Memoranda: | ||
| Average total assets | $156,599,000 | 3,463 |
| Average earning assets | $146,784,500 | 3,439 |
| Average equity | $18,485,000 | 3,347 |
| Average total loans | $131,615,000 | 2,936 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 780 |
| Cost of funding earning assets | 0.4393% | 2,617 |
| Net interest margin | 4.4292% | 726 |
| Noninterest income to average assets | 0.5191% | 3,106 |
| Noninterest expense to average assets | 2.8891% | 2,713 |
| Loan and lease loss provision to assets | 0.1726% | 1,407 |
| Net operating income to assets | 1.0625% | 2,078 |
| Return on assets (ROA) | 1.0625% | 2,181 |
| Pretax return on assets | 1.6152% | 1,236 |
| Return on Equity (ROE) | 8.9595% | 2,441 |
| Retained earnings to average equity (ytd only) | 4.9047% | 2,403 |
| Net charge-offs to loans | 0.2441% | 1,142 |
| Credit loss provision to net charge-offs | 83.9744% | 2,912 |
| Earnings coverage of net charge-offs (x) | 8.6987% | 2,843 |
| Efficiency ratio | 61.7746% | 4,294 |
| Assets per employee ($millions) | 4.7983% | 2,652 |
| Cash dividends to net income (ytd only)* | 45.2573% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,376 |
| Loan loss allowance to noncurrent loans | 210.2493% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 3,033 |
| Noncurrent loans to loans | 0.5513% | 3,197 |
| Net loans and leases to total assets | 84.2973% | 359 |
| Net loans and leases to deposits | 96.1963% | 978 |
| Net loans and leases to core deposits | 96.5739% | 1,875 |
| Total domestic deposits to total assets | 87.6305% | 1,820 |
| Equity capital to assets | 11.9638% | 1,832 |
| Core capital (leverage) ratio | 12.0050% | 1,596 |
| Tier 1 risk-based capital ratio | 15.9591% | 2,566 |
| Total risk-based capital ratio | 17.2093% | 2,499 |
| Memoranda: | ||
| Average total assets | $151,812,400 | 3,493 |
| Average earning assets | $142,510,400 | 3,472 |
| Average equity | $18,003,200 | 3,407 |
| Average total loans | $127,839,000 | 2,953 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 837 |
| Cost of funding earning assets | 0.4352% | 2,686 |
| Net interest margin | 4.3978% | 784 |
| Noninterest income to average assets | 0.5205% | 3,111 |
| Noninterest expense to average assets | 2.8757% | 2,718 |
| Loan and lease loss provision to assets | 0.1665% | 1,369 |
| Net operating income to assets | 1.0314% | 2,284 |
| Return on assets (ROA) | 1.0314% | 2,412 |
| Pretax return on assets | 1.6083% | 1,359 |
| Return on Equity (ROE) | 8.7167% | 2,651 |
| Retained earnings to average equity (ytd only) | 4.6449% | 3,060 |
| Net charge-offs to loans | 0.1186% | 1,761 |
| Credit loss provision to net charge-offs | 167.2566% | 1,651 |
| Earnings coverage of net charge-offs (x) | 17.8322% | 2,034 |
| Efficiency ratio | 61.8371% | 4,259 |
| Assets per employee ($millions) | 4.5522% | 2,997 |
| Cash dividends to net income (ytd only)* | 46.7127% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,889 |
| Loan loss allowance to noncurrent loans | 107.1010% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 2,090 |
| Noncurrent loans to loans | 1.1777% | 1,906 |
| Net loans and leases to total assets | 83.1460% | 493 |
| Net loans and leases to deposits | 94.6995% | 1,179 |
| Net loans and leases to core deposits | 95.0654% | 2,096 |
| Total domestic deposits to total assets | 87.7998% | 1,506 |
| Equity capital to assets | 11.7893% | 2,269 |
| Core capital (leverage) ratio | 11.7139% | 1,874 |
| Tier 1 risk-based capital ratio | 15.9958% | 2,627 |
| Total risk-based capital ratio | 17.2475% | 2,566 |
| Memoranda: | ||
| Average total assets | $151,378,750 | 3,512 |
| Average earning assets | $142,158,500 | 3,490 |
| Average equity | $17,911,500 | 3,448 |
| Average total loans | $127,060,250 | 2,971 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 896 |
| Cost of funding earning assets | 0.4297% | 2,739 |
| Net interest margin | 4.3655% | 823 |
| Noninterest income to average assets | 0.5152% | 3,094 |
| Noninterest expense to average assets | 2.8873% | 2,722 |
| Loan and lease loss provision to assets | 0.1677% | 1,331 |
| Net operating income to assets | 0.9824% | 2,458 |
| Return on assets (ROA) | 0.9824% | 2,602 |
| Pretax return on assets | 1.5574% | 1,498 |
| Return on Equity (ROE) | 8.2923% | 2,835 |
| Retained earnings to average equity (ytd only) | 4.1911% | 3,238 |
| Net charge-offs to loans | 0.1064% | 1,761 |
| Credit loss provision to net charge-offs | 188.0597% | 1,360 |
| Earnings coverage of net charge-offs (x) | 19.3433% | 1,782 |
| Efficiency ratio | 62.5974% | 4,251 |
| Assets per employee ($millions) | 4.5900% | 2,879 |
| Cash dividends to net income (ytd only)* | 49.4580% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,986 |
| Loan loss allowance to noncurrent loans | 96.6152% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1118% | 1,903 |
| Noncurrent loans to loans | 1.3099% | 1,727 |
| Net loans and leases to total assets | 83.8015% | 438 |
| Net loans and leases to deposits | 95.5627% | 1,121 |
| Net loans and leases to core deposits | 95.9390% | 1,979 |
| Total domestic deposits to total assets | 87.6927% | 1,576 |
| Equity capital to assets | 11.9006% | 2,193 |
| Core capital (leverage) ratio | 11.7985% | 1,774 |
| Tier 1 risk-based capital ratio | 15.8298% | 2,724 |
| Total risk-based capital ratio | 17.0814% | 2,662 |
| Memoranda: | ||
| Average total assets | $150,246,330 | 3,557 |
| Average earning assets | $141,014,330 | 3,523 |
| Average equity | $17,799,670 | 3,472 |
| Average total loans | $125,969,000 | 2,998 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 850 |
| Cost of funding earning assets | 0.4328% | 2,743 |
| Net interest margin | 4.3655% | 803 |
| Noninterest income to average assets | 0.4945% | 3,155 |
| Noninterest expense to average assets | 2.8657% | 2,831 |
| Loan and lease loss provision to assets | 0.1684% | 1,226 |
| Net operating income to assets | 0.9543% | 2,494 |
| Return on assets (ROA) | 0.9543% | 2,612 |
| Pretax return on assets | 1.5585% | 1,409 |
| Return on Equity (ROE) | 8.0740% | 2,873 |
| Retained earnings to average equity (ytd only) | 3.9578% | 3,512 |
| Net charge-offs to loans | 0.0610% | 1,892 |
| Credit loss provision to net charge-offs | 331.5789% | 803 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,109 |
| Efficiency ratio | 62.3981% | 4,388 |
| Assets per employee ($millions) | 4.6954% | 2,752 |
| Cash dividends to net income (ytd only)* | 50.9804% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,952 |
| Loan loss allowance to noncurrent loans | 99.9380% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 2,059 |
| Noncurrent loans to loans | 1.2931% | 1,864 |
| Net loans and leases to total assets | 81.9439% | 559 |
| Net loans and leases to deposits | 93.5230% | 1,189 |
| Net loans and leases to core deposits | 93.8939% | 1,998 |
| Total domestic deposits to total assets | 87.6190% | 1,853 |
| Equity capital to assets | 11.8373% | 2,129 |
| Core capital (leverage) ratio | 11.7631% | 1,783 |
| Tier 1 risk-based capital ratio | 16.0935% | 2,635 |
| Total risk-based capital ratio | 17.3457% | 2,586 |
| Memoranda: | ||
| Average total assets | $149,634,000 | 3,589 |
| Average earning assets | $140,466,000 | 3,553 |
| Average equity | $17,686,500 | 3,477 |
| Average total loans | $124,672,500 | 3,020 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 902 |
| Cost of funding earning assets | 0.4403% | 2,739 |
| Net interest margin | 4.3736% | 839 |
| Noninterest income to average assets | 0.5107% | 3,252 |
| Noninterest expense to average assets | 2.8155% | 3,169 |
| Loan and lease loss provision to assets | 0.2056% | 1,035 |
| Net operating income to assets | 1.0698% | 2,041 |
| Return on assets (ROA) | 1.0698% | 2,116 |
| Pretax return on assets | 1.6203% | 1,188 |
| Return on Equity (ROE) | 9.4400% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.1736% | 2,297 |
| Net charge-offs to loans | 0.1182% | 2,186 |
| Credit loss provision to net charge-offs | 218.3099% | 1,298 |
| Earnings coverage of net charge-offs (x) | 19.3873% | 1,950 |
| Efficiency ratio | 60.6602% | 4,807 |
| Assets per employee ($millions) | 4.6567% | 2,800 |
| Cash dividends to net income (ytd only)* | 45.1953% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 3,118 |
| Loan loss allowance to noncurrent loans | 111.6809% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 2,315 |
| Noncurrent loans to loans | 1.1267% | 2,091 |
| Net loans and leases to total assets | 82.5701% | 538 |
| Net loans and leases to deposits | 94.0192% | 1,199 |
| Net loans and leases to core deposits | 94.3928% | 2,010 |
| Total domestic deposits to total assets | 87.8226% | 1,736 |
| Equity capital to assets | 11.8022% | 2,109 |
| Core capital (leverage) ratio | 11.7625% | 1,774 |
| Tier 1 risk-based capital ratio | 15.7834% | 2,790 |
| Total risk-based capital ratio | 17.0346% | 2,728 |
| Memoranda: | ||
| Average total assets | $150,773,000 | 3,561 |
| Average earning assets | $142,399,200 | 3,507 |
| Average equity | $17,086,800 | 3,517 |
| Average total loans | $120,086,800 | 3,047 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 1,125 |
| Cost of funding earning assets | 0.4425% | 2,763 |
| Net interest margin | 4.2421% | 1,071 |
| Noninterest income to average assets | 0.4982% | 3,380 |
| Noninterest expense to average assets | 2.7986% | 3,192 |
| Loan and lease loss provision to assets | 0.1472% | 1,481 |
| Net operating income to assets | 1.0122% | 2,412 |
| Return on assets (ROA) | 1.0122% | 2,510 |
| Pretax return on assets | 1.5677% | 1,488 |
| Return on Equity (ROE) | 9.0240% | 2,565 |
| Retained earnings to average equity (ytd only) | 4.7242% | 3,109 |
| Net charge-offs to loans | 0.0661% | 2,632 |
| Credit loss provision to net charge-offs | 283.0508% | 1,018 |
| Earnings coverage of net charge-offs (x) | 32.9681% | 1,407 |
| Efficiency ratio | 62.0043% | 4,566 |
| Assets per employee ($millions) | 4.7367% | 2,642 |
| Cash dividends to net income (ytd only)* | 47.6484% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 3,416 |
| Loan loss allowance to noncurrent loans | 90.7341% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 2,106 |
| Noncurrent loans to loans | 1.3696% | 1,870 |
| Net loans and leases to total assets | 81.6131% | 624 |
| Net loans and leases to deposits | 92.9294% | 1,313 |
| Net loans and leases to core deposits | 93.3028% | 2,145 |
| Total domestic deposits to total assets | 87.8226% | 1,651 |
| Equity capital to assets | 11.7558% | 2,303 |
| Core capital (leverage) ratio | 11.4740% | 2,057 |
| Tier 1 risk-based capital ratio | 15.9961% | 2,797 |
| Total risk-based capital ratio | 17.2478% | 2,741 |
| Memoranda: | ||
| Average total assets | $151,212,750 | 3,582 |
| Average earning assets | $143,133,750 | 3,530 |
| Average equity | $16,961,750 | 3,561 |
| Average total loans | $118,956,250 | 3,090 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 1,285 |
| Cost of funding earning assets | 0.4411% | 2,827 |
| Net interest margin | 4.1577% | 1,209 |
| Noninterest income to average assets | 0.4677% | 3,577 |
| Noninterest expense to average assets | 2.7209% | 3,523 |
| Loan and lease loss provision to assets | 0.1362% | 1,606 |
| Net operating income to assets | 1.0008% | 2,387 |
| Return on assets (ROA) | 1.0008% | 2,493 |
| Pretax return on assets | 1.5497% | 1,486 |
| Return on Equity (ROE) | 9.0620% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.7445% | 3,027 |
| Net charge-offs to loans | 0.0271% | 3,135 |
| Credit loss provision to net charge-offs | 650.0000% | 516 |
| Earnings coverage of net charge-offs (x) | 80.4375% | 702 |
| Efficiency ratio | 61.7420% | 4,715 |
| Assets per employee ($millions) | 4.3844% | 3,164 |
| Cash dividends to net income (ytd only)* | 47.6440% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 3,472 |
| Loan loss allowance to noncurrent loans | 88.5714% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 2,257 |
| Noncurrent loans to loans | 1.4197% | 1,889 |
| Net loans and leases to total assets | 78.3864% | 1,015 |
| Net loans and leases to deposits | 88.9160% | 1,733 |
| Net loans and leases to core deposits | 89.7954% | 2,368 |
| Total domestic deposits to total assets | 88.1578% | 1,574 |
| Equity capital to assets | 11.4189% | 2,481 |
| Core capital (leverage) ratio | 11.4180% | 2,058 |
| Tier 1 risk-based capital ratio | 16.1656% | 2,778 |
| Total risk-based capital ratio | 17.4170% | 2,725 |
| Memoranda: | ||
| Average total assets | $152,671,000 | 3,587 |
| Average earning assets | $144,647,330 | 3,530 |
| Average equity | $16,861,670 | 3,590 |
| Average total loans | $118,159,330 | 3,120 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5054% | 1,445 |
| Cost of funding earning assets | 0.4399% | 2,880 |
| Net interest margin | 4.0655% | 1,370 |
| Noninterest income to average assets | 0.4247% | 3,808 |
| Noninterest expense to average assets | 2.6412% | 3,782 |
| Loan and lease loss provision to assets | 0.1321% | 1,565 |
| Net operating income to assets | 0.9089% | 2,703 |
| Return on assets (ROA) | 0.9089% | 2,828 |
| Pretax return on assets | 1.5045% | 1,554 |
| Return on Equity (ROE) | 8.3664% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.0282% | 3,587 |
| Net charge-offs to loans | 0.0102% | 2,992 |
| Credit loss provision to net charge-offs | 1,700.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 210.6667% | 274 |
| Efficiency ratio | 61.7433% | 4,835 |
| Assets per employee ($millions) | 4.6209% | 2,873 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 3,792 |
| Loan loss allowance to noncurrent loans | 89.5485% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 2,494 |
| Noncurrent loans to loans | 1.3721% | 2,096 |
| Net loans and leases to total assets | 76.3304% | 1,167 |
| Net loans and leases to deposits | 86.3582% | 1,787 |
| Net loans and leases to core deposits | 87.1888% | 2,414 |
| Total domestic deposits to total assets | 88.3882% | 1,602 |
| Equity capital to assets | 11.0656% | 2,900 |
| Core capital (leverage) ratio | 11.0065% | 2,405 |
| Tier 1 risk-based capital ratio | 15.9642% | 2,940 |
| Total risk-based capital ratio | 17.2150% | 2,874 |
| Memoranda: | ||
| Average total assets | $154,472,500 | 3,583 |
| Average earning assets | $146,401,000 | 3,529 |
| Average equity | $16,781,500 | 3,620 |
| Average total loans | $118,070,500 | 3,122 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 1,095 |
| Cost of funding earning assets | 0.5264% | 2,421 |
| Net interest margin | 4.2841% | 1,085 |
| Noninterest income to average assets | 0.5192% | 3,369 |
| Noninterest expense to average assets | 2.7234% | 3,778 |
| Loan and lease loss provision to assets | 0.1487% | 1,763 |
| Net operating income to assets | 1.0279% | 2,273 |
| Return on assets (ROA) | 1.0378% | 2,304 |
| Pretax return on assets | 1.7030% | 983 |
| Return on Equity (ROE) | 9.5157% | 2,332 |
| Retained earnings to average equity (ytd only) | 5.0374% | 2,577 |
| Net charge-offs to loans | 0.1016% | 3,055 |
| Credit loss provision to net charge-offs | 188.1356% | 1,304 |
| Earnings coverage of net charge-offs (x) | 23.2288% | 1,594 |
| Efficiency ratio | 59.7267% | 5,257 |
| Assets per employee ($millions) | 4.7410% | 2,667 |
| Cash dividends to net income (ytd only)* | 47.0626% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 4,109 |
| Loan loss allowance to noncurrent loans | 86.5266% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 2,675 |
| Noncurrent loans to loans | 1.3678% | 2,144 |
| Net loans and leases to total assets | 74.7159% | 1,458 |
| Net loans and leases to deposits | 84.0005% | 2,217 |
| Net loans and leases to core deposits | 84.7804% | 2,809 |
| Total domestic deposits to total assets | 88.9469% | 1,265 |
| Equity capital to assets | 10.6670% | 3,278 |
| Core capital (leverage) ratio | 10.6227% | 2,810 |
| Tier 1 risk-based capital ratio | 16.0265% | 2,951 |
| Total risk-based capital ratio | 17.2776% | 2,894 |
| Memoranda: | ||
| Average total assets | $149,264,200 | 3,640 |
| Average earning assets | $140,776,400 | 3,594 |
| Average equity | $16,278,400 | 3,633 |
| Average total loans | $116,111,000 | 3,111 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 1,018 |
| Cost of funding earning assets | 0.5563% | 2,228 |
| Net interest margin | 4.2978% | 1,054 |
| Noninterest income to average assets | 0.5316% | 3,314 |
| Noninterest expense to average assets | 2.7395% | 3,674 |
| Loan and lease loss provision to assets | 0.1438% | 1,743 |
| Net operating income to assets | 1.0807% | 2,106 |
| Return on assets (ROA) | 1.0940% | 2,124 |
| Pretax return on assets | 1.7206% | 1,030 |
| Return on Equity (ROE) | 9.9735% | 2,231 |
| Retained earnings to average equity (ytd only) | 5.4648% | 2,787 |
| Net charge-offs to loans | 0.1442% | 2,358 |
| Credit loss provision to net charge-offs | 127.2000% | 1,814 |
| Earnings coverage of net charge-offs (x) | 16.3123% | 1,984 |
| Efficiency ratio | 59.7751% | 5,214 |
| Assets per employee ($millions) | 4.4923% | 2,983 |
| Cash dividends to net income (ytd only)* | 45.2070% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 4,574 |
| Loan loss allowance to noncurrent loans | 101.9923% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8803% | 3,233 |
| Noncurrent loans to loans | 1.1148% | 2,834 |
| Net loans and leases to total assets | 78.0667% | 952 |
| Net loans and leases to deposits | 88.2842% | 1,635 |
| Net loans and leases to core deposits | 89.1527% | 2,306 |
| Total domestic deposits to total assets | 88.4266% | 1,542 |
| Equity capital to assets | 11.1417% | 2,825 |
| Core capital (leverage) ratio | 11.1080% | 2,391 |
| Tier 1 risk-based capital ratio | 15.6868% | 3,223 |
| Total risk-based capital ratio | 16.9374% | 3,164 |
| Memoranda: | ||
| Average total assets | $147,466,750 | 3,700 |
| Average earning assets | $139,014,250 | 3,647 |
| Average equity | $16,175,750 | 3,663 |
| Average total loans | $115,564,750 | 3,140 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 1,090 |
| Cost of funding earning assets | 0.5526% | 2,324 |
| Net interest margin | 4.2358% | 1,165 |
| Noninterest income to average assets | 0.5312% | 3,258 |
| Noninterest expense to average assets | 2.7431% | 3,722 |
| Loan and lease loss provision to assets | 0.1440% | 1,717 |
| Net operating income to assets | 1.0598% | 2,083 |
| Return on assets (ROA) | 1.0801% | 2,077 |
| Pretax return on assets | 1.6643% | 1,103 |
| Return on Equity (ROE) | 9.8991% | 2,198 |
| Retained earnings to average equity (ytd only) | 5.3543% | 2,731 |
| Net charge-offs to loans | 0.1251% | 2,416 |
| Credit loss provision to net charge-offs | 147.2222% | 1,474 |
| Earnings coverage of net charge-offs (x) | 18.1667% | 1,698 |
| Efficiency ratio | 60.6853% | 5,196 |
| Assets per employee ($millions) | 4.5245% | 2,887 |
| Cash dividends to net income (ytd only)* | 45.9119% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 4,710 |
| Loan loss allowance to noncurrent loans | 83.9646% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 2,946 |
| Noncurrent loans to loans | 1.3571% | 2,544 |
| Net loans and leases to total assets | 77.2817% | 1,006 |
| Net loans and leases to deposits | 87.1365% | 1,696 |
| Net loans and leases to core deposits | 88.2528% | 2,287 |
| Total domestic deposits to total assets | 88.6904% | 1,541 |
| Equity capital to assets | 10.9037% | 2,974 |
| Core capital (leverage) ratio | 10.8676% | 2,564 |
| Tier 1 risk-based capital ratio | 15.5906% | 3,303 |
| Total risk-based capital ratio | 16.8407% | 3,257 |
| Memoranda: | ||
| Average total assets | $147,207,330 | 3,725 |
| Average earning assets | $138,627,670 | 3,671 |
| Average equity | $16,062,000 | 3,681 |
| Average total loans | $115,066,000 | 3,151 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 1,119 |
| Cost of funding earning assets | 0.5502% | 2,416 |
| Net interest margin | 4.2121% | 1,185 |
| Noninterest income to average assets | 0.5419% | 3,101 |
| Noninterest expense to average assets | 2.7669% | 3,690 |
| Loan and lease loss provision to assets | 0.1177% | 2,010 |
| Net operating income to assets | 1.0435% | 2,030 |
| Return on assets (ROA) | 1.0838% | 1,945 |
| Pretax return on assets | 1.6804% | 1,015 |
| Return on Equity (ROE) | 9.9292% | 2,064 |
| Retained earnings to average equity (ytd only) | 5.3407% | 2,894 |
| Net charge-offs to loans | -0.0385% | 5,699 |
| Credit loss provision to net charge-offs | -390.9091% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4590% | 5,207 |
| Assets per employee ($millions) | 4.4678% | 3,029 |
| Cash dividends to net income (ytd only)* | 46.2121% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 4,662 |
| Loan loss allowance to noncurrent loans | 106.9786% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8553% | 3,592 |
| Noncurrent loans to loans | 1.1157% | 3,192 |
| Net loans and leases to total assets | 75.7408% | 1,034 |
| Net loans and leases to deposits | 85.5591% | 1,652 |
| Net loans and leases to core deposits | 87.0117% | 2,191 |
| Total domestic deposits to total assets | 88.5246% | 1,921 |
| Equity capital to assets | 10.9030% | 2,819 |
| Core capital (leverage) ratio | 10.9006% | 2,488 |
| Tier 1 risk-based capital ratio | 15.5130% | 3,429 |
| Total risk-based capital ratio | 16.7636% | 3,396 |
| Memoranda: | ||
| Average total assets | $146,157,500 | 3,766 |
| Average earning assets | $137,414,000 | 3,710 |
| Average equity | $15,953,000 | 3,707 |
| Average total loans | $114,240,500 | 3,181 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 990 |
| Cost of funding earning assets | 0.6077% | 2,593 |
| Net interest margin | 4.3537% | 990 |
| Noninterest income to average assets | 0.5362% | 3,509 |
| Noninterest expense to average assets | 2.6566% | 4,257 |
| Loan and lease loss provision to assets | 0.1797% | 2,053 |
| Net operating income to assets | 1.1809% | 1,641 |
| Return on assets (ROA) | 1.1198% | 1,933 |
| Pretax return on assets | 1.7000% | 954 |
| Return on Equity (ROE) | 10.6017% | 1,893 |
| Retained earnings to average equity (ytd only) | 6.6610% | 1,592 |
| Net charge-offs to loans | 0.1718% | 3,108 |
| Credit loss provision to net charge-offs | 136.4583% | 1,717 |
| Earnings coverage of net charge-offs (x) | 14.9792% | 1,909 |
| Efficiency ratio | 57.3926% | 5,803 |
| Assets per employee ($millions) | 4.5274% | 2,857 |
| Cash dividends to net income (ytd only)* | 37.1709% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 5,042 |
| Loan loss allowance to noncurrent loans | 100.5435% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 3,500 |
| Noncurrent loans to loans | 1.1155% | 3,309 |
| Net loans and leases to total assets | 78.8022% | 733 |
| Net loans and leases to deposits | 88.8625% | 1,368 |
| Net loans and leases to core deposits | 90.7542% | 1,932 |
| Total domestic deposits to total assets | 88.6788% | 1,811 |
| Equity capital to assets | 10.9271% | 2,681 |
| Core capital (leverage) ratio | 10.9688% | 2,420 |
| Tier 1 risk-based capital ratio | 15.0929% | 3,615 |
| Total risk-based capital ratio | 16.3269% | 3,566 |
| Memoranda: | ||
| Average total assets | $145,827,800 | 3,773 |
| Average earning assets | $137,079,400 | 3,708 |
| Average equity | $15,403,200 | 3,800 |
| Average total loans | $111,778,400 | 3,214 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 936 |
| Cost of funding earning assets | 0.6165% | 2,673 |
| Net interest margin | 4.3874% | 924 |
| Noninterest income to average assets | 0.5267% | 3,615 |
| Noninterest expense to average assets | 2.5942% | 4,409 |
| Loan and lease loss provision to assets | 0.1817% | 2,000 |
| Net operating income to assets | 1.2537% | 1,474 |
| Return on assets (ROA) | 1.1711% | 1,807 |
| Pretax return on assets | 1.7526% | 987 |
| Return on Equity (ROE) | 11.1833% | 1,757 |
| Retained earnings to average equity (ytd only) | 7.4962% | 1,645 |
| Net charge-offs to loans | 0.1840% | 2,757 |
| Credit loss provision to net charge-offs | 130.0654% | 1,817 |
| Earnings coverage of net charge-offs (x) | 14.7324% | 1,919 |
| Efficiency ratio | 55.7692% | 5,933 |
| Assets per employee ($millions) | 4.5342% | 2,832 |
| Cash dividends to net income (ytd only)* | 32.9699% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,176 |
| Loan loss allowance to noncurrent loans | 95.4239% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9876% | 3,684 |
| Noncurrent loans to loans | 1.1919% | 3,437 |
| Net loans and leases to total assets | 76.2052% | 977 |
| Net loans and leases to deposits | 85.8963% | 1,627 |
| Net loans and leases to core deposits | 87.7171% | 2,221 |
| Total domestic deposits to total assets | 88.7177% | 1,713 |
| Equity capital to assets | 10.8012% | 2,950 |
| Core capital (leverage) ratio | 10.9081% | 2,566 |
| Tier 1 risk-based capital ratio | 15.7521% | 3,325 |
| Total risk-based capital ratio | 17.0026% | 3,278 |
| Memoranda: | ||
| Average total assets | $146,065,250 | 3,811 |
| Average earning assets | $137,329,000 | 3,745 |
| Average equity | $15,296,250 | 3,862 |
| Average total loans | $110,857,500 | 3,248 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 1,003 |
| Cost of funding earning assets | 0.6222% | 2,751 |
| Net interest margin | 4.3265% | 987 |
| Noninterest income to average assets | 0.5137% | 3,751 |
| Noninterest expense to average assets | 2.4975% | 4,742 |
| Loan and lease loss provision to assets | 0.1858% | 2,031 |
| Net operating income to assets | 1.2908% | 1,348 |
| Return on assets (ROA) | 1.1654% | 1,796 |
| Pretax return on assets | 1.7214% | 1,066 |
| Return on Equity (ROE) | 11.2451% | 1,733 |
| Retained earnings to average equity (ytd only) | 8.0812% | 1,453 |
| Net charge-offs to loans | 0.2117% | 2,497 |
| Credit loss provision to net charge-offs | 116.2393% | 1,908 |
| Earnings coverage of net charge-offs (x) | 13.0855% | 1,927 |
| Efficiency ratio | 54.4210% | 6,113 |
| Assets per employee ($millions) | 4.5547% | 2,729 |
| Cash dividends to net income (ytd only)* | 28.1360% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,407 |
| Loan loss allowance to noncurrent loans | 86.5184% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 3,791 |
| Noncurrent loans to loans | 1.2819% | 3,411 |
| Net loans and leases to total assets | 76.1662% | 970 |
| Net loans and leases to deposits | 85.5493% | 1,615 |
| Net loans and leases to core deposits | 87.3451% | 2,187 |
| Total domestic deposits to total assets | 89.0320% | 1,618 |
| Equity capital to assets | 10.5680% | 3,213 |
| Core capital (leverage) ratio | 10.6371% | 2,729 |
| Tier 1 risk-based capital ratio | 15.7410% | 3,338 |
| Total risk-based capital ratio | 16.9912% | 3,291 |
| Memoranda: | ||
| Average total assets | $146,388,670 | 3,829 |
| Average earning assets | $137,895,330 | 3,757 |
| Average equity | $15,171,000 | 3,911 |
| Average total loans | $110,529,330 | 3,262 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8920% | 1,109 |
| Cost of funding earning assets | 0.6310% | 2,839 |
| Net interest margin | 4.2610% | 1,048 |
| Noninterest income to average assets | 0.5099% | 3,711 |
| Noninterest expense to average assets | 2.6938% | 4,089 |
| Loan and lease loss provision to assets | 0.1445% | 2,432 |
| Net operating income to assets | 1.1724% | 1,605 |
| Return on assets (ROA) | 1.1724% | 1,715 |
| Pretax return on assets | 1.6850% | 1,113 |
| Return on Equity (ROE) | 11.4248% | 1,584 |
| Retained earnings to average equity (ytd only) | 8.2365% | 1,669 |
| Net charge-offs to loans | 0.1094% | 2,781 |
| Credit loss provision to net charge-offs | 176.6667% | 1,200 |
| Earnings coverage of net charge-offs (x) | 22.3667% | 1,140 |
| Efficiency ratio | 59.5539% | 5,651 |
| Assets per employee ($millions) | 4.6128% | 2,784 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,503 |
| Loan loss allowance to noncurrent loans | 88.0282% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9620% | 4,007 |
| Noncurrent loans to loans | 1.2791% | 3,638 |
| Net loans and leases to total assets | 74.3622% | 1,029 |
| Net loans and leases to deposits | 83.3430% | 1,658 |
| Net loans and leases to core deposits | 85.0840% | 2,206 |
| Total domestic deposits to total assets | 89.2243% | 1,538 |
| Equity capital to assets | 10.3049% | 3,791 |
| Core capital (leverage) ratio | 10.4531% | 2,843 |
| Tier 1 risk-based capital ratio | 15.6281% | 3,460 |
| Total risk-based capital ratio | 16.8787% | 3,426 |
| Memoranda: | ||
| Average total assets | $146,707,500 | 3,865 |
| Average earning assets | $138,184,500 | 3,789 |
| Average equity | $15,055,000 | 3,989 |
| Average total loans | $109,665,000 | 3,292 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 1,298 |
| Cost of funding earning assets | 0.8572% | 2,242 |
| Net interest margin | 4.2505% | 1,517 |
| Noninterest income to average assets | 0.5899% | 3,337 |
| Noninterest expense to average assets | 2.7053% | 4,381 |
| Loan and lease loss provision to assets | 0.1924% | 3,229 |
| Net operating income to assets | 1.1557% | 1,755 |
| Return on assets (ROA) | 1.1557% | 1,913 |
| Pretax return on assets | 1.6736% | 1,201 |
| Return on Equity (ROE) | 11.3667% | 1,693 |
| Retained earnings to average equity (ytd only) | 8.0029% | 1,123 |
| Net charge-offs to loans | 0.1859% | 3,891 |
| Credit loss provision to net charge-offs | 139.8964% | 1,970 |
| Earnings coverage of net charge-offs (x) | 13.5699% | 1,814 |
| Efficiency ratio | 59.1802% | 5,670 |
| Assets per employee ($millions) | 4.5564% | 2,872 |
| Cash dividends to net income (ytd only)* | 29.5931% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 5,428 |
| Loan loss allowance to noncurrent loans | 87.9570% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 4,114 |
| Noncurrent loans to loans | 1.2879% | 3,684 |
| Net loans and leases to total assets | 73.4454% | 1,267 |
| Net loans and leases to deposits | 82.0754% | 1,989 |
| Net loans and leases to core deposits | 84.0419% | 2,546 |
| Total domestic deposits to total assets | 89.4853% | 1,253 |
| Equity capital to assets | 10.2184% | 3,867 |
| Core capital (leverage) ratio | 10.4335% | 2,844 |
| Tier 1 risk-based capital ratio | 15.4387% | 3,466 |
| Total risk-based capital ratio | 16.6896% | 3,427 |
| Memoranda: | ||
| Average total assets | $140,352,600 | 3,940 |
| Average earning assets | $131,467,600 | 3,859 |
| Average equity | $14,269,800 | 4,110 |
| Average total loans | $103,810,600 | 3,436 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 1,313 |
| Cost of funding earning assets | 0.8979% | 2,183 |
| Net interest margin | 4.2473% | 1,600 |
| Noninterest income to average assets | 0.5871% | 3,370 |
| Noninterest expense to average assets | 2.7128% | 4,309 |
| Loan and lease loss provision to assets | 0.1976% | 3,105 |
| Net operating income to assets | 1.1272% | 1,998 |
| Return on assets (ROA) | 1.1272% | 2,194 |
| Pretax return on assets | 1.6471% | 1,424 |
| Return on Equity (ROE) | 11.1010% | 1,920 |
| Retained earnings to average equity (ytd only) | 7.6998% | 1,753 |
| Net charge-offs to loans | 0.1896% | 3,600 |
| Credit loss provision to net charge-offs | 141.0959% | 2,043 |
| Earnings coverage of net charge-offs (x) | 13.1714% | 1,935 |
| Efficiency ratio | 59.5243% | 5,573 |
| Assets per employee ($millions) | 4.4250% | 3,038 |
| Cash dividends to net income (ytd only)* | 30.6384% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 5,486 |
| Loan loss allowance to noncurrent loans | 85.8665% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 4,260 |
| Noncurrent loans to loans | 1.3475% | 3,772 |
| Net loans and leases to total assets | 72.9407% | 1,402 |
| Net loans and leases to deposits | 81.6978% | 2,165 |
| Net loans and leases to core deposits | 83.8542% | 2,715 |
| Total domestic deposits to total assets | 89.2811% | 1,253 |
| Equity capital to assets | 10.2846% | 4,098 |
| Core capital (leverage) ratio | 10.3057% | 3,156 |
| Tier 1 risk-based capital ratio | 15.8564% | 3,343 |
| Total risk-based capital ratio | 17.1077% | 3,317 |
| Memoranda: | ||
| Average total assets | $138,989,500 | 4,006 |
| Average earning assets | $129,929,250 | 3,939 |
| Average equity | $14,112,500 | 4,176 |
| Average total loans | $102,684,750 | 3,491 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 1,376 |
| Cost of funding earning assets | 0.9427% | 2,101 |
| Net interest margin | 4.2078% | 1,728 |
| Noninterest income to average assets | 0.5691% | 3,457 |
| Noninterest expense to average assets | 2.6774% | 4,506 |
| Loan and lease loss provision to assets | 0.1853% | 3,248 |
| Net operating income to assets | 1.1410% | 1,910 |
| Return on assets (ROA) | 1.1410% | 2,129 |
| Pretax return on assets | 1.6363% | 1,432 |
| Return on Equity (ROE) | 11.2875% | 1,884 |
| Retained earnings to average equity (ytd only) | 7.8497% | 1,699 |
| Net charge-offs to loans | 0.0725% | 4,420 |
| Credit loss provision to net charge-offs | 345.9459% | 852 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 988 |
| Efficiency ratio | 59.5108% | 5,658 |
| Assets per employee ($millions) | 4.4073% | 3,078 |
| Cash dividends to net income (ytd only)* | 30.4569% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 5,352 |
| Loan loss allowance to noncurrent loans | 114.3911% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 4,871 |
| Noncurrent loans to loans | 1.0487% | 4,421 |
| Net loans and leases to total assets | 72.4157% | 1,488 |
| Net loans and leases to deposits | 80.9463% | 2,236 |
| Net loans and leases to core deposits | 82.7473% | 2,865 |
| Total domestic deposits to total assets | 89.4613% | 1,240 |
| Equity capital to assets | 10.1317% | 4,147 |
| Core capital (leverage) ratio | 10.1726% | 3,175 |
| Tier 1 risk-based capital ratio | 16.0159% | 3,161 |
| Total risk-based capital ratio | 17.2675% | 3,131 |
| Memoranda: | ||
| Average total assets | $138,119,330 | 4,045 |
| Average earning assets | $128,997,670 | 3,979 |
| Average equity | $13,962,330 | 4,203 |
| Average total loans | $102,082,000 | 3,510 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 1,327 |
| Cost of funding earning assets | 1.0361% | 1,767 |
| Net interest margin | 4.1602% | 1,892 |
| Noninterest income to average assets | 0.5649% | 3,460 |
| Noninterest expense to average assets | 2.6811% | 4,500 |
| Loan and lease loss provision to assets | 0.1873% | 3,087 |
| Net operating income to assets | 1.0625% | 2,240 |
| Return on assets (ROA) | 1.0625% | 2,432 |
| Pretax return on assets | 1.5630% | 1,696 |
| Return on Equity (ROE) | 10.5225% | 2,222 |
| Retained earnings to average equity (ytd only) | 7.0440% | 2,411 |
| Net charge-offs to loans | 0.0907% | 3,613 |
| Credit loss provision to net charge-offs | 278.2609% | 1,051 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,013 |
| Efficiency ratio | 60.5020% | 5,543 |
| Assets per employee ($millions) | 4.5240% | 2,949 |
| Cash dividends to net income (ytd only)* | 33.0579% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,673 |
| Loan loss allowance to noncurrent loans | 155.3525% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 5,511 |
| Noncurrent loans to loans | 0.7468% | 5,171 |
| Net loans and leases to total assets | 72.2902% | 1,351 |
| Net loans and leases to deposits | 80.7439% | 2,092 |
| Net loans and leases to core deposits | 82.7115% | 2,727 |
| Total domestic deposits to total assets | 89.5303% | 1,352 |
| Equity capital to assets | 9.9313% | 4,219 |
| Core capital (leverage) ratio | 10.4143% | 2,857 |
| Tier 1 risk-based capital ratio | 15.7790% | 3,297 |
| Total risk-based capital ratio | 17.0300% | 3,267 |
| Memoranda: | ||
| Average total assets | $136,662,500 | 4,096 |
| Average earning assets | $127,014,500 | 4,037 |
| Average equity | $13,799,000 | 4,237 |
| Average total loans | $101,438,000 | 3,555 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5239% | 1,112 |
| Cost of funding earning assets | 1.2015% | 2,017 |
| Net interest margin | 4.3224% | 1,625 |
| Noninterest income to average assets | 0.6252% | 3,038 |
| Noninterest expense to average assets | 2.7699% | 4,474 |
| Loan and lease loss provision to assets | 0.2345% | 3,858 |
| Net operating income to assets | 1.0988% | 1,838 |
| Return on assets (ROA) | 1.0988% | 1,954 |
| Pretax return on assets | 1.6152% | 1,169 |
| Return on Equity (ROE) | 10.9605% | 1,706 |
| Retained earnings to average equity (ytd only) | 7.2917% | 1,366 |
| Net charge-offs to loans | 0.2452% | 4,245 |
| Credit loss provision to net charge-offs | 128.5714% | 2,401 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 1,880 |
| Efficiency ratio | 59.9602% | 5,765 |
| Assets per employee ($millions) | 4.0328% | 3,782 |
| Cash dividends to net income (ytd only)* | 33.4728% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 5,645 |
| Loan loss allowance to noncurrent loans | 1,915.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 6,849 |
| Noncurrent loans to loans | 0.0598% | 6,667 |
| Net loans and leases to total assets | 74.5067% | 1,175 |
| Net loans and leases to deposits | 83.4469% | 1,998 |
| Net loans and leases to core deposits | 85.5965% | 2,685 |
| Total domestic deposits to total assets | 89.2863% | 1,374 |
| Equity capital to assets | 10.2719% | 3,819 |
| Core capital (leverage) ratio | 10.4687% | 2,762 |
| Tier 1 risk-based capital ratio | 14.7519% | 3,793 |
| Total risk-based capital ratio | 15.9920% | 3,772 |
| Memoranda: | ||
| Average total assets | $130,510,000 | 4,157 |
| Average earning assets | $120,603,000 | 4,122 |
| Average equity | $13,083,400 | 4,327 |
| Average total loans | $97,076,400 | 3,698 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 1,152 |
| Cost of funding earning assets | 1.2511% | 1,991 |
| Net interest margin | 4.2946% | 1,742 |
| Noninterest income to average assets | 0.6304% | 2,988 |
| Noninterest expense to average assets | 2.7946% | 4,363 |
| Loan and lease loss provision to assets | 0.2485% | 3,517 |
| Net operating income to assets | 1.0903% | 2,009 |
| Return on assets (ROA) | 1.0903% | 2,150 |
| Pretax return on assets | 1.5451% | 1,530 |
| Return on Equity (ROE) | 10.9453% | 1,883 |
| Retained earnings to average equity (ytd only) | 7.2350% | 1,846 |
| Net charge-offs to loans | 0.0900% | 5,072 |
| Credit loss provision to net charge-offs | 372.3077% | 764 |
| Earnings coverage of net charge-offs (x) | 26.8784% | 1,005 |
| Efficiency ratio | 60.9085% | 5,576 |
| Assets per employee ($millions) | 3.9872% | 3,879 |
| Cash dividends to net income (ytd only)* | 33.8986% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 5,054 |
| Loan loss allowance to noncurrent loans | 873.6111% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 6,480 |
| Noncurrent loans to loans | 0.1477% | 6,577 |
| Net loans and leases to total assets | 73.1169% | 1,487 |
| Net loans and leases to deposits | 81.9268% | 2,372 |
| Net loans and leases to core deposits | 83.6776% | 3,103 |
| Total domestic deposits to total assets | 89.2466% | 1,284 |
| Equity capital to assets | 10.2115% | 4,066 |
| Core capital (leverage) ratio | 10.3911% | 2,996 |
| Tier 1 risk-based capital ratio | 15.1470% | 3,583 |
| Total risk-based capital ratio | 16.3989% | 3,544 |
| Memoranda: | ||
| Average total assets | $129,867,000 | 4,199 |
| Average earning assets | $119,683,000 | 4,159 |
| Average equity | $12,936,750 | 4,364 |
| Average total loans | $96,269,500 | 3,747 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 1,222 |
| Cost of funding earning assets | 1.3202% | 1,824 |
| Net interest margin | 4.2141% | 1,980 |
| Noninterest income to average assets | 0.6203% | 3,004 |
| Noninterest expense to average assets | 2.7796% | 4,508 |
| Loan and lease loss provision to assets | 0.1980% | 3,949 |
| Net operating income to assets | 1.0580% | 2,013 |
| Return on assets (ROA) | 1.0580% | 2,107 |
| Pretax return on assets | 1.5236% | 1,457 |
| Return on Equity (ROE) | 10.7123% | 1,895 |
| Retained earnings to average equity (ytd only) | 6.9536% | 1,900 |
| Net charge-offs to loans | 0.1210% | 4,506 |
| Credit loss provision to net charge-offs | 220.6897% | 1,355 |
| Earnings coverage of net charge-offs (x) | 19.1897% | 1,226 |
| Efficiency ratio | 61.7526% | 5,623 |
| Assets per employee ($millions) | 4.1359% | 3,478 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 5,619 |
| Loan loss allowance to noncurrent loans | 602.0942% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 6,691 |
| Noncurrent loans to loans | 0.1965% | 6,517 |
| Net loans and leases to total assets | 72.5763% | 1,669 |
| Net loans and leases to deposits | 81.0952% | 2,600 |
| Net loans and leases to core deposits | 82.8087% | 3,391 |
| Total domestic deposits to total assets | 89.4952% | 1,243 |
| Equity capital to assets | 9.9056% | 4,269 |
| Core capital (leverage) ratio | 10.2335% | 2,996 |
| Tier 1 risk-based capital ratio | 14.6645% | 3,689 |
| Total risk-based capital ratio | 15.9148% | 3,657 |
| Memoranda: | ||
| Average total assets | $129,297,000 | 4,245 |
| Average earning assets | $119,077,000 | 4,207 |
| Average equity | $12,770,330 | 4,391 |
| Average total loans | $95,871,670 | 3,801 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4894% | 1,328 |
| Cost of funding earning assets | 1.4609% | 1,328 |
| Net interest margin | 4.0285% | 2,574 |
| Noninterest income to average assets | 0.6073% | 3,110 |
| Noninterest expense to average assets | 2.6923% | 4,866 |
| Loan and lease loss provision to assets | 0.2004% | 3,632 |
| Net operating income to assets | 1.0300% | 2,073 |
| Return on assets (ROA) | 1.0300% | 2,121 |
| Pretax return on assets | 1.4526% | 1,591 |
| Return on Equity (ROE) | 10.4440% | 1,935 |
| Retained earnings to average equity (ytd only) | 6.6347% | 2,313 |
| Net charge-offs to loans | 0.1218% | 3,801 |
| Credit loss provision to net charge-offs | 220.6897% | 1,374 |
| Earnings coverage of net charge-offs (x) | 18.2069% | 1,193 |
| Efficiency ratio | 61.9597% | 5,688 |
| Assets per employee ($millions) | 4.2147% | 3,437 |
| Cash dividends to net income (ytd only)* | 36.4742% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 5,763 |
| Loan loss allowance to noncurrent loans | 315.2542% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 6,473 |
| Noncurrent loans to loans | 0.3716% | 6,254 |
| Net loans and leases to total assets | 72.0543% | 1,715 |
| Net loans and leases to deposits | 80.3427% | 2,650 |
| Net loans and leases to core deposits | 81.6953% | 3,493 |
| Total domestic deposits to total assets | 89.6837% | 1,369 |
| Equity capital to assets | 9.7607% | 4,091 |
| Core capital (leverage) ratio | 10.2335% | 2,890 |
| Tier 1 risk-based capital ratio | 14.2514% | 3,905 |
| Total risk-based capital ratio | 15.4820% | 3,890 |
| Memoranda: | ||
| Average total assets | $127,771,000 | 4,310 |
| Average earning assets | $118,555,500 | 4,247 |
| Average equity | $12,600,500 | 4,419 |
| Average total loans | $95,205,500 | 3,852 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1206% | 676 |
| Cost of funding earning assets | 1.6353% | 1,887 |
| Net interest margin | 4.4853% | 1,257 |
| Noninterest income to average assets | 0.6919% | 2,886 |
| Noninterest expense to average assets | 3.1859% | 3,146 |
| Loan and lease loss provision to assets | 0.3012% | 4,397 |
| Net operating income to assets | 1.0027% | 2,033 |
| Return on assets (ROA) | 1.0108% | 2,109 |
| Pretax return on assets | 1.3626% | 1,761 |
| Return on Equity (ROE) | 9.8482% | 1,986 |
| Retained earnings to average equity (ytd only) | 5.9024% | 1,880 |
| Net charge-offs to loans | 0.1238% | 5,653 |
| Credit loss provision to net charge-offs | 313.1579% | 843 |
| Earnings coverage of net charge-offs (x) | 17.1842% | 1,168 |
| Efficiency ratio | 65.8413% | 4,998 |
| Assets per employee ($millions) | 4.0285% | 3,724 |
| Cash dividends to net income (ytd only)* | 40.0668% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,799 |
| Loan loss allowance to noncurrent loans | 1,544.2857% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 7,048 |
| Noncurrent loans to loans | 0.0736% | 6,942 |
| Net loans and leases to total assets | 75.3253% | 1,408 |
| Net loans and leases to deposits | 84.1504% | 2,427 |
| Net loans and leases to core deposits | 85.8295% | 3,341 |
| Total domestic deposits to total assets | 89.5128% | 1,379 |
| Equity capital to assets | 9.9676% | 3,783 |
| Core capital (leverage) ratio | 10.4169% | 2,652 |
| Tier 1 risk-based capital ratio | 14.1768% | 3,751 |
| Total risk-based capital ratio | 15.3820% | 3,737 |
| Memoranda: | ||
| Average total assets | $118,522,800 | 4,508 |
| Average earning assets | $109,581,200 | 4,475 |
| Average equity | $12,164,600 | 4,566 |
| Average total loans | $92,104,000 | 4,004 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1870% | 630 |
| Cost of funding earning assets | 1.6811% | 1,961 |
| Net interest margin | 4.5059% | 1,242 |
| Noninterest income to average assets | 0.6819% | 2,931 |
| Noninterest expense to average assets | 3.1231% | 3,223 |
| Loan and lease loss provision to assets | 0.3341% | 3,930 |
| Net operating income to assets | 1.0593% | 2,042 |
| Return on assets (ROA) | 1.0707% | 2,113 |
| Pretax return on assets | 1.3991% | 1,879 |
| Return on Equity (ROE) | 10.3522% | 1,990 |
| Retained earnings to average equity (ytd only) | 6.3833% | 2,150 |
| Net charge-offs to loans | 0.1197% | 5,354 |
| Credit loss provision to net charge-offs | 357.3171% | 870 |
| Earnings coverage of net charge-offs (x) | 18.3781% | 1,263 |
| Efficiency ratio | 64.5078% | 5,152 |
| Assets per employee ($millions) | 3.8515% | 4,145 |
| Cash dividends to net income (ytd only)* | 38.3388% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 5,947 |
| Loan loss allowance to noncurrent loans | 800.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 6,940 |
| Noncurrent loans to loans | 0.1374% | 6,903 |
| Net loans and leases to total assets | 78.9769% | 886 |
| Net loans and leases to deposits | 88.8253% | 1,886 |
| Net loans and leases to core deposits | 90.8781% | 2,974 |
| Total domestic deposits to total assets | 88.9126% | 1,439 |
| Equity capital to assets | 10.4936% | 3,530 |
| Core capital (leverage) ratio | 10.6446% | 2,554 |
| Tier 1 risk-based capital ratio | 14.0146% | 3,821 |
| Total risk-based capital ratio | 15.1825% | 3,848 |
| Memoranda: | ||
| Average total assets | $116,932,250 | 4,612 |
| Average earning assets | $107,944,500 | 4,569 |
| Average equity | $12,093,750 | 4,651 |
| Average total loans | $91,342,250 | 4,085 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1336% | 707 |
| Cost of funding earning assets | 1.7524% | 1,850 |
| Net interest margin | 4.3811% | 1,503 |
| Noninterest income to average assets | 0.6597% | 2,958 |
| Noninterest expense to average assets | 3.0850% | 3,375 |
| Loan and lease loss provision to assets | 0.2635% | 4,292 |
| Net operating income to assets | 1.0219% | 2,110 |
| Return on assets (ROA) | 1.0387% | 2,128 |
| Pretax return on assets | 1.3814% | 1,883 |
| Return on Equity (ROE) | 10.0932% | 2,078 |
| Retained earnings to average equity (ytd only) | 6.0760% | 2,292 |
| Net charge-offs to loans | 0.1667% | 4,616 |
| Credit loss provision to net charge-offs | 204.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 12.5600% | 1,669 |
| Efficiency ratio | 65.5324% | 5,059 |
| Assets per employee ($millions) | 3.8178% | 4,182 |
| Cash dividends to net income (ytd only)* | 39.8010% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 6,507 |
| Loan loss allowance to noncurrent loans | 974.4681% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 7,048 |
| Noncurrent loans to loans | 0.1000% | 7,066 |
| Net loans and leases to total assets | 78.6880% | 1,012 |
| Net loans and leases to deposits | 88.6224% | 2,072 |
| Net loans and leases to core deposits | 90.1634% | 3,232 |
| Total domestic deposits to total assets | 88.7901% | 1,551 |
| Equity capital to assets | 10.2990% | 3,651 |
| Core capital (leverage) ratio | 10.5075% | 2,630 |
| Tier 1 risk-based capital ratio | 14.1260% | 3,649 |
| Total risk-based capital ratio | 15.1729% | 3,746 |
| Memoranda: | ||
| Average total assets | $116,110,670 | 4,654 |
| Average earning assets | $107,278,670 | 4,619 |
| Average equity | $11,948,670 | 4,691 |
| Average total loans | $90,008,330 | 4,141 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0812% | 811 |
| Cost of funding earning assets | 1.8361% | 1,716 |
| Net interest margin | 4.2452% | 1,869 |
| Noninterest income to average assets | 0.6296% | 3,090 |
| Noninterest expense to average assets | 3.0785% | 3,353 |
| Loan and lease loss provision to assets | 0.2226% | 4,274 |
| Net operating income to assets | 0.9279% | 2,435 |
| Return on assets (ROA) | 0.9462% | 2,439 |
| Pretax return on assets | 1.2697% | 2,136 |
| Return on Equity (ROE) | 9.1981% | 2,429 |
| Retained earnings to average equity (ytd only) | 5.1401% | 3,075 |
| Net charge-offs to loans | 0.2637% | 3,357 |
| Credit loss provision to net charge-offs | 110.3448% | 3,123 |
| Earnings coverage of net charge-offs (x) | 7.2759% | 2,110 |
| Efficiency ratio | 67.7123% | 4,781 |
| Assets per employee ($millions) | 3.7970% | 4,324 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,669 |
| Loan loss allowance to noncurrent loans | 497.0588% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 7,121 |
| Noncurrent loans to loans | 0.1912% | 6,956 |
| Net loans and leases to total assets | 74.8263% | 1,785 |
| Net loans and leases to deposits | 83.6420% | 3,003 |
| Net loans and leases to core deposits | 85.5612% | 3,964 |
| Total domestic deposits to total assets | 89.4602% | 1,262 |
| Equity capital to assets | 10.1261% | 3,709 |
| Core capital (leverage) ratio | 10.5447% | 2,576 |
| Tier 1 risk-based capital ratio | 13.7899% | 3,803 |
| Total risk-based capital ratio | 14.7490% | 3,948 |
| Memoranda: | ||
| Average total assets | $114,990,500 | 4,740 |
| Average earning assets | $106,097,000 | 4,701 |
| Average equity | $11,828,500 | 4,754 |
| Average total loans | $87,990,500 | 4,256 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3749% | 877 |
| Cost of funding earning assets | 2.1357% | 2,302 |
| Net interest margin | 4.2392% | 1,941 |
| Noninterest income to average assets | 0.6963% | 3,003 |
| Noninterest expense to average assets | 3.1468% | 3,562 |
| Loan and lease loss provision to assets | 0.3215% | 4,886 |
| Net operating income to assets | 0.8673% | 2,290 |
| Return on assets (ROA) | 0.8673% | 2,355 |
| Pretax return on assets | 1.1682% | 2,038 |
| Return on Equity (ROE) | 8.0781% | 2,334 |
| Retained earnings to average equity (ytd only) | 4.4482% | 2,134 |
| Net charge-offs to loans | 0.3265% | 4,604 |
| Credit loss provision to net charge-offs | 129.3233% | 3,971 |
| Earnings coverage of net charge-offs (x) | 5.9925% | 2,455 |
| Efficiency ratio | 67.8694% | 5,027 |
| Assets per employee ($millions) | 3.6218% | 4,723 |
| Cash dividends to net income (ytd only)* | 44.9353% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 6,571 |
| Loan loss allowance to noncurrent loans | 434.1969% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 6,155 |
| Noncurrent loans to loans | 0.2217% | 6,875 |
| Net loans and leases to total assets | 76.7963% | 1,629 |
| Net loans and leases to deposits | 86.4010% | 2,841 |
| Net loans and leases to core deposits | 97.2042% | 4,323 |
| Total domestic deposits to total assets | 88.8835% | 1,530 |
| Equity capital to assets | 10.4547% | 3,236 |
| Core capital (leverage) ratio | 10.7730% | 2,367 |
| Tier 1 risk-based capital ratio | 13.1142% | 4,071 |
| Total risk-based capital ratio | 14.0302% | 4,242 |
| Memoranda: | ||
| Average total assets | $106,998,600 | 4,903 |
| Average earning assets | $99,452,000 | 4,854 |
| Average equity | $11,487,800 | 4,885 |
| Average total loans | $81,474,800 | 4,460 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3624% | 999 |
| Cost of funding earning assets | 2.1971% | 2,427 |
| Net interest margin | 4.1654% | 2,166 |
| Noninterest income to average assets | 0.6990% | 3,020 |
| Noninterest expense to average assets | 3.1491% | 3,464 |
| Loan and lease loss provision to assets | 0.2422% | 5,020 |
| Net operating income to assets | 0.9033% | 2,411 |
| Return on assets (ROA) | 0.9033% | 2,480 |
| Pretax return on assets | 1.1897% | 2,299 |
| Return on Equity (ROE) | 8.3555% | 2,502 |
| Retained earnings to average equity (ytd only) | 4.8896% | 2,562 |
| Net charge-offs to loans | 0.2431% | 4,529 |
| Credit loss provision to net charge-offs | 131.5068% | 3,802 |
| Earnings coverage of net charge-offs (x) | 7.7741% | 2,352 |
| Efficiency ratio | 68.7414% | 4,834 |
| Assets per employee ($millions) | 3.5538% | 4,800 |
| Cash dividends to net income (ytd only)* | 41.4806% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 6,424 |
| Loan loss allowance to noncurrent loans | 488.4848% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 7,166 |
| Noncurrent loans to loans | 0.1993% | 7,000 |
| Net loans and leases to total assets | 74.4200% | 2,405 |
| Net loans and leases to deposits | 83.7038% | 3,694 |
| Net loans and leases to core deposits | 95.2285% | 4,904 |
| Total domestic deposits to total assets | 88.9088% | 1,238 |
| Equity capital to assets | 10.6619% | 3,330 |
| Core capital (leverage) ratio | 10.9313% | 2,451 |
| Tier 1 risk-based capital ratio | 13.6913% | 3,719 |
| Total risk-based capital ratio | 14.6182% | 3,892 |
| Memoranda: | ||
| Average total assets | $105,679,500 | 4,965 |
| Average earning assets | $98,492,500 | 4,908 |
| Average equity | $11,425,250 | 4,939 |
| Average total loans | $80,078,250 | 4,548 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3858% | 1,038 |
| Cost of funding earning assets | 2.2482% | 2,587 |
| Net interest margin | 4.1376% | 2,206 |
| Noninterest income to average assets | 0.6853% | 3,084 |
| Noninterest expense to average assets | 3.0945% | 3,728 |
| Loan and lease loss provision to assets | 0.2476% | 4,597 |
| Net operating income to assets | 0.8159% | 2,794 |
| Return on assets (ROA) | 0.8159% | 2,889 |
| Pretax return on assets | 1.1940% | 2,318 |
| Return on Equity (ROE) | 7.5099% | 2,971 |
| Retained earnings to average equity (ytd only) | 4.3823% | 2,862 |
| Net charge-offs to loans | 0.2021% | 4,271 |
| Credit loss provision to net charge-offs | 161.2500% | 2,847 |
| Earnings coverage of net charge-offs (x) | 9.3875% | 2,138 |
| Efficiency ratio | 68.2184% | 5,119 |
| Assets per employee ($millions) | 3.5687% | 4,646 |
| Cash dividends to net income (ytd only)* | 41.6471% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,264 |
| Loan loss allowance to noncurrent loans | 328.8618% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 6,925 |
| Noncurrent loans to loans | 0.3036% | 6,758 |
| Net loans and leases to total assets | 74.9295% | 2,456 |
| Net loans and leases to deposits | 84.0116% | 3,873 |
| Net loans and leases to core deposits | 96.9520% | 4,797 |
| Total domestic deposits to total assets | 89.1894% | 1,175 |
| Equity capital to assets | 10.5322% | 3,362 |
| Core capital (leverage) ratio | 11.0937% | 2,335 |
| Tier 1 risk-based capital ratio | 13.8369% | 3,607 |
| Total risk-based capital ratio | 14.7909% | 3,726 |
| Memoranda: | ||
| Average total assets | $104,183,330 | 5,042 |
| Average earning assets | $96,965,330 | 4,973 |
| Average equity | $11,318,330 | 4,994 |
| Average total loans | $79,173,330 | 4,613 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4188% | 1,029 |
| Cost of funding earning assets | 2.3223% | 2,605 |
| Net interest margin | 4.0965% | 2,287 |
| Noninterest income to average assets | 0.6969% | 2,907 |
| Noninterest expense to average assets | 3.0406% | 3,590 |
| Loan and lease loss provision to assets | 0.2063% | 4,383 |
| Net operating income to assets | 0.7903% | 3,170 |
| Return on assets (ROA) | 0.7903% | 3,333 |
| Pretax return on assets | 1.2614% | 2,403 |
| Return on Equity (ROE) | 7.1608% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.0919% | 3,623 |
| Net charge-offs to loans | 0.1227% | 3,993 |
| Credit loss provision to net charge-offs | 220.8333% | 2,046 |
| Earnings coverage of net charge-offs (x) | 15.7083% | 1,593 |
| Efficiency ratio | 67.4439% | 5,057 |
| Assets per employee ($millions) | 3.4934% | 4,841 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,134 |
| Loan loss allowance to noncurrent loans | 417.4603% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 6,993 |
| Noncurrent loans to loans | 0.2408% | 6,842 |
| Net loans and leases to total assets | 74.1274% | 2,718 |
| Net loans and leases to deposits | 83.5748% | 4,045 |
| Net loans and leases to core deposits | 95.1755% | 5,047 |
| Total domestic deposits to total assets | 88.6958% | 1,383 |
| Equity capital to assets | 10.9177% | 3,045 |
| Core capital (leverage) ratio | 11.3483% | 2,246 |
| Tier 1 risk-based capital ratio | 14.3141% | 3,424 |
| Total risk-based capital ratio | 15.2875% | 3,489 |
| Memoranda: | ||
| Average total assets | $102,744,000 | 5,104 |
| Average earning assets | $95,593,500 | 5,035 |
| Average equity | $11,339,500 | 5,020 |
| Average total loans | $78,245,000 | 4,672 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8941% | 1,416 |
| Cost of funding earning assets | 2.6665% | 3,333 |
| Net interest margin | 4.2276% | 2,201 |
| Noninterest income to average assets | 0.7773% | 2,635 |
| Noninterest expense to average assets | 3.1330% | 3,575 |
| Loan and lease loss provision to assets | 0.1226% | 5,787 |
| Net operating income to assets | 1.1529% | 1,931 |
| Return on assets (ROA) | 0.8022% | 3,261 |
| Pretax return on assets | 1.0015% | 3,380 |
| Return on Equity (ROE) | 7.2304% | 3,415 |
| Retained earnings to average equity (ytd only) | 3.8352% | 2,740 |
| Net charge-offs to loans | 0.2231% | 3,997 |
| Credit loss provision to net charge-offs | 73.2143% | 6,026 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,704 |
| Efficiency ratio | 66.7233% | 4,964 |
| Assets per employee ($millions) | 3.2479% | 5,340 |
| Cash dividends to net income (ytd only)* | 46.9565% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 6,243 |
| Loan loss allowance to noncurrent loans | 455.0898% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 6,908 |
| Noncurrent loans to loans | 0.2141% | 6,748 |
| Net loans and leases to total assets | 76.7276% | 2,446 |
| Net loans and leases to deposits | 86.6047% | 4,017 |
| Net loans and leases to core deposits | 99.4618% | 4,876 |
| Total domestic deposits to total assets | 88.5952% | 1,206 |
| Equity capital to assets | 11.1604% | 2,910 |
| Core capital (leverage) ratio | 11.4881% | 2,259 |
| Tier 1 risk-based capital ratio | 14.2646% | 3,416 |
| Total risk-based capital ratio | 15.2085% | 3,484 |
| Memoranda: | ||
| Average total assets | $100,351,400 | 5,036 |
| Average earning assets | $93,006,800 | 5,002 |
| Average equity | $11,133,600 | 5,088 |
| Average total loans | $75,289,800 | 4,680 |