Home > Wilson & Muir Bank & Trust Company > Performance and Condition Ratios
Wilson & Muir Bank & Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4341% | 2,234 |
| Cost of funding earning assets | 1.2455% | 3,682 |
| Net interest margin | 4.1886% | 987 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.1307% | 3,291 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 2.3701% | 256 |
| Return on assets (ROA) | 2.3701% | 257 |
| Pretax return on assets | 2.3701% | 388 |
| Return on Equity (ROE) | 48.9400% | 34 |
| Retained earnings to average equity (ytd only) | 12.2893% | 741 |
| Net charge-offs to loans | 0.0046% | 2,099 |
| Credit loss provision to net charge-offs | -883.3333% | 4,445 |
| Earnings coverage of net charge-offs (x) | 803.6667% | 128 |
| Efficiency ratio | 47.5470% | 4,034 |
| Assets per employee ($millions) | 6.3762% | 2,660 |
| Cash dividends to net income (ytd only)* | 74.8869% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 3,443 |
| Loan loss allowance to noncurrent loans | 33,133.3333% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,645 |
| Noncurrent loans to loans | 0.0029% | 3,752 |
| Net loans and leases to total assets | 60.5800% | 2,823 |
| Net loans and leases to deposits | 66.6139% | 3,094 |
| Net loans and leases to core deposits | 74.4934% | 3,047 |
| Total domestic deposits to total assets | 90.9400% | 540 |
| Equity capital to assets | 4.8060% | 4,388 |
| Core capital (leverage) ratio | 8.9603% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1040% | 1,821 |
| Memoranda: | ||
| Average total assets | $820,568,000 | 1,212 |
| Average earning assets | $792,914,000 | 1,171 |
| Average equity | $39,742,000 | 2,043 |
| Average total loans | $520,055,000 | 1,278 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6191% | 1,905 |
| Cost of funding earning assets | 1.2916% | 3,681 |
| Net interest margin | 4.3275% | 802 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.2104% | 3,102 |
| Loan and lease loss provision to assets | -0.0700% | 4,314 |
| Net operating income to assets | 2.5153% | 217 |
| Return on assets (ROA) | 2.5153% | 215 |
| Pretax return on assets | 2.5153% | 292 |
| Return on Equity (ROE) | 54.4000% | 22 |
| Retained earnings to average equity (ytd only) | 19.5643% | 64 |
| Net charge-offs to loans | -0.1228% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 47.4635% | 4,119 |
| Assets per employee ($millions) | 5.7009% | 3,122 |
| Cash dividends to net income (ytd only)* | 64.0393% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,371 |
| Loan loss allowance to noncurrent loans | 41,908.3333% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,622 |
| Noncurrent loans to loans | 0.0023% | 3,765 |
| Net loans and leases to total assets | 65.1500% | 2,451 |
| Net loans and leases to deposits | 73.1433% | 2,721 |
| Net loans and leases to core deposits | 81.6927% | 2,649 |
| Total domestic deposits to total assets | 89.0700% | 1,135 |
| Equity capital to assets | 4.8837% | 4,368 |
| Core capital (leverage) ratio | 8.8016% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9694% | 1,886 |
| Memoranda: | ||
| Average total assets | $768,700,800 | 1,259 |
| Average earning assets | $740,615,400 | 1,222 |
| Average equity | $35,539,200 | 2,149 |
| Average total loans | $487,024,200 | 1,325 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5464% | 1,995 |
| Cost of funding earning assets | 1.2554% | 3,741 |
| Net interest margin | 4.2910% | 812 |
| Noninterest income to average assets | 0.4800% | 1,981 |
| Noninterest expense to average assets | 2.1603% | 3,183 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 2.4424% | 249 |
| Return on assets (ROA) | 2.4424% | 245 |
| Pretax return on assets | 2.4424% | 348 |
| Return on Equity (ROE) | 53.6100% | 25 |
| Retained earnings to average equity (ytd only) | 6.1919% | 2,023 |
| Net charge-offs to loans | -0.0153% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 46.8749% | 4,129 |
| Assets per employee ($millions) | 5.7446% | 3,083 |
| Cash dividends to net income (ytd only)* | 88.4492% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,295 |
| Loan loss allowance to noncurrent loans | 222.9139% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 2,061 |
| Noncurrent loans to loans | 0.4445% | 1,969 |
| Net loans and leases to total assets | 64.1000% | 2,517 |
| Net loans and leases to deposits | 72.9905% | 2,751 |
| Net loans and leases to core deposits | 81.5803% | 2,716 |
| Total domestic deposits to total assets | 87.8200% | 1,303 |
| Equity capital to assets | 5.2040% | 4,441 |
| Core capital (leverage) ratio | 8.3558% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0948% | 2,211 |
| Memoranda: | ||
| Average total assets | $764,196,250 | 1,253 |
| Average earning assets | $736,092,500 | 1,222 |
| Average equity | $34,818,750 | 2,175 |
| Average total loans | $479,395,500 | 1,337 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 2,028 |
| Cost of funding earning assets | 1.1913% | 3,794 |
| Net interest margin | 4.2776% | 818 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 2.1705% | 3,161 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 2.4013% | 264 |
| Return on assets (ROA) | 2.4013% | 262 |
| Pretax return on assets | 2.4013% | 375 |
| Return on Equity (ROE) | 55.4400% | 29 |
| Retained earnings to average equity (ytd only) | -0.4516% | 3,981 |
| Net charge-offs to loans | 0.0026% | 2,443 |
| Credit loss provision to net charge-offs | 1,233.3333% | 344 |
| Earnings coverage of net charge-offs (x) | 1,520.0000% | 65 |
| Efficiency ratio | 47.3775% | 4,134 |
| Assets per employee ($millions) | 5.7525% | 3,012 |
| Cash dividends to net income (ytd only)* | 100.8146% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,162 |
| Loan loss allowance to noncurrent loans | 213.8593% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 1,944 |
| Noncurrent loans to loans | 0.4779% | 1,810 |
| Net loans and leases to total assets | 63.0100% | 2,652 |
| Net loans and leases to deposits | 72.5550% | 2,804 |
| Net loans and leases to core deposits | 79.3994% | 2,837 |
| Total domestic deposits to total assets | 86.8400% | 1,707 |
| Equity capital to assets | 4.0419% | 4,464 |
| Core capital (leverage) ratio | 8.2541% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0587% | 2,234 |
| Memoranda: | ||
| Average total assets | $756,593,000 | 1,260 |
| Average earning assets | $728,444,000 | 1,229 |
| Average equity | $32,773,000 | 2,238 |
| Average total loans | $469,346,333 | 1,363 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 2,037 |
| Cost of funding earning assets | 1.0930% | 3,892 |
| Net interest margin | 4.2883% | 759 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.2005% | 3,070 |
| Loan and lease loss provision to assets | -0.0200% | 4,249 |
| Net operating income to assets | 2.4028% | 267 |
| Return on assets (ROA) | 2.4028% | 268 |
| Pretax return on assets | 2.4028% | 371 |
| Return on Equity (ROE) | 53.6200% | 34 |
| Retained earnings to average equity (ytd only) | 4.2404% | 2,640 |
| Net charge-offs to loans | -0.0017% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 48.0480% | 4,097 |
| Assets per employee ($millions) | 5.5840% | 3,188 |
| Cash dividends to net income (ytd only)* | 92.0924% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,144 |
| Loan loss allowance to noncurrent loans | 210.1804% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 1,885 |
| Noncurrent loans to loans | 0.4907% | 1,694 |
| Net loans and leases to total assets | 61.8200% | 2,687 |
| Net loans and leases to deposits | 71.3732% | 2,785 |
| Net loans and leases to core deposits | 77.1332% | 2,903 |
| Total domestic deposits to total assets | 86.6200% | 1,899 |
| Equity capital to assets | 4.2907% | 4,456 |
| Core capital (leverage) ratio | 8.5344% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2783% | 2,148 |
| Memoranda: | ||
| Average total assets | $749,474,500 | 1,268 |
| Average earning assets | $721,681,000 | 1,244 |
| Average equity | $33,581,500 | 2,195 |
| Average total loans | $458,677,000 | 1,384 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 2,076 |
| Cost of funding earning assets | 0.6143% | 4,047 |
| Net interest margin | 4.3814% | 721 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.2421% | 3,000 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.3761% | 272 |
| Return on assets (ROA) | 2.3761% | 265 |
| Pretax return on assets | 2.3761% | 385 |
| Return on Equity (ROE) | 65.7900% | 29 |
| Retained earnings to average equity (ytd only) | 22.6652% | 97 |
| Net charge-offs to loans | 0.0462% | 1,421 |
| Credit loss provision to net charge-offs | 465.9898% | 712 |
| Earnings coverage of net charge-offs (x) | 92.0609% | 941 |
| Efficiency ratio | 47.2115% | 4,134 |
| Assets per employee ($millions) | 5.3588% | 3,351 |
| Cash dividends to net income (ytd only)* | 65.5477% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 2,748 |
| Loan loss allowance to noncurrent loans | 203.0788% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 1,629 |
| Noncurrent loans to loans | 0.5499% | 1,428 |
| Net loans and leases to total assets | 59.2300% | 2,919 |
| Net loans and leases to deposits | 66.9771% | 3,109 |
| Net loans and leases to core deposits | 71.9596% | 3,196 |
| Total domestic deposits to total assets | 88.4400% | 1,221 |
| Equity capital to assets | 4.6757% | 4,449 |
| Core capital (leverage) ratio | 8.5503% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0294% | 1,861 |
| Memoranda: | ||
| Average total assets | $723,413,800 | 1,271 |
| Average earning assets | $695,903,400 | 1,240 |
| Average equity | $26,128,200 | 2,455 |
| Average total loans | $426,209,800 | 1,411 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 2,100 |
| Cost of funding earning assets | 0.5406% | 4,076 |
| Net interest margin | 4.3416% | 760 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.1916% | 3,101 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.4218% | 286 |
| Return on assets (ROA) | 2.4218% | 282 |
| Pretax return on assets | 2.4218% | 415 |
| Return on Equity (ROE) | 72.5500% | 36 |
| Retained earnings to average equity (ytd only) | 9.9932% | 1,401 |
| Net charge-offs to loans | 0.0559% | 1,108 |
| Credit loss provision to net charge-offs | 361.0169% | 772 |
| Earnings coverage of net charge-offs (x) | 77.4689% | 1,063 |
| Efficiency ratio | 46.3054% | 4,118 |
| Assets per employee ($millions) | 5.2481% | 3,388 |
| Cash dividends to net income (ytd only)* | 86.2248% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,011 |
| Loan loss allowance to noncurrent loans | 186.8473% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 1,631 |
| Noncurrent loans to loans | 0.5736% | 1,397 |
| Net loans and leases to total assets | 60.1900% | 2,824 |
| Net loans and leases to deposits | 69.2309% | 2,890 |
| Net loans and leases to core deposits | 74.3191% | 2,978 |
| Total domestic deposits to total assets | 86.9400% | 1,913 |
| Equity capital to assets | 2.2735% | 4,533 |
| Core capital (leverage) ratio | 8.1328% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3361% | 2,144 |
| Memoranda: | ||
| Average total assets | $719,387,250 | 1,278 |
| Average earning assets | $691,858,000 | 1,240 |
| Average equity | $24,015,750 | 2,566 |
| Average total loans | $422,018,250 | 1,409 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 49,570.0000% | 16 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 74,733.0000% | 17 |
| Cost of funding earning assets | 456.0000% | 8 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 2.3813% | 270 |
| Pretax return on assets | 2.3813% | 409 |
| Return on Equity (ROE) | 64.4800% | 39 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0008% | 2,404 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,639 |
| Efficiency ratio | 4.1212% | 4,612 |
| Assets per employee ($millions) | 0.0156% | 4,625 |
| Cash dividends to net income (ytd only)* | 1.1734% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0034% | 4,531 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 7,116.0000% | 33 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $228,000 | 4,663 |
| Average earning assets | $14,308 | 4,606 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 2,242 |
| Cost of funding earning assets | 0.3827% | 4,006 |
| Net interest margin | 4.1500% | 1,027 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.2279% | 3,018 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 2.4465% | 258 |
| Return on assets (ROA) | 2.4465% | 255 |
| Pretax return on assets | 2.4465% | 383 |
| Return on Equity (ROE) | 65.7100% | 50 |
| Retained earnings to average equity (ytd only) | 13.4277% | 1,022 |
| Net charge-offs to loans | 0.1684% | 420 |
| Credit loss provision to net charge-offs | 32.9480% | 1,342 |
| Earnings coverage of net charge-offs (x) | 25.6763% | 1,362 |
| Efficiency ratio | 47.2822% | 4,135 |
| Assets per employee ($millions) | 5.4424% | 3,279 |
| Cash dividends to net income (ytd only)* | 79.5657% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,594 |
| Loan loss allowance to noncurrent loans | 154.7440% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 1,400 |
| Noncurrent loans to loans | 0.6339% | 1,187 |
| Net loans and leases to total assets | 57.3200% | 2,929 |
| Net loans and leases to deposits | 66.7682% | 2,867 |
| Net loans and leases to core deposits | 69.3411% | 2,995 |
| Total domestic deposits to total assets | 85.8500% | 2,636 |
| Equity capital to assets | 4.0012% | 4,545 |
| Core capital (leverage) ratio | 8.2184% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5542% | 2,163 |
| Memoranda: | ||
| Average total assets | $715,305,000 | 1,293 |
| Average earning assets | $687,705,500 | 1,259 |
| Average equity | $26,631,500 | 2,453 |
| Average total loans | $410,810,500 | 1,445 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 2,229 |
| Cost of funding earning assets | 0.0775% | 4,484 |
| Net interest margin | 3.7385% | 1,290 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.1063% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0536% | 270 |
| Return on assets (ROA) | 2.0536% | 260 |
| Pretax return on assets | 2.0536% | 419 |
| Return on Equity (ROE) | 44.8600% | 39 |
| Retained earnings to average equity (ytd only) | 21.0636% | 71 |
| Net charge-offs to loans | 0.0917% | 771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 42.2381% | 1,471 |
| Efficiency ratio | 50.6331% | 4,089 |
| Assets per employee ($millions) | 5.2353% | 3,481 |
| Cash dividends to net income (ytd only)* | 53.0510% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,224 |
| Loan loss allowance to noncurrent loans | 141.4526% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 1,247 |
| Noncurrent loans to loans | 0.7250% | 1,037 |
| Net loans and leases to total assets | 56.3800% | 2,988 |
| Net loans and leases to deposits | 64.6314% | 2,985 |
| Net loans and leases to core deposits | 65.3211% | 3,178 |
| Total domestic deposits to total assets | 87.2300% | 2,315 |
| Equity capital to assets | 3.4383% | 4,573 |
| Core capital (leverage) ratio | 8.1719% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7612% | 2,068 |
| Memoranda: | ||
| Average total assets | $691,069,400 | 1,320 |
| Average earning assets | $664,335,600 | 1,285 |
| Average equity | $31,632,800 | 2,265 |
| Average total loans | $366,310,000 | 1,496 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 2,276 |
| Cost of funding earning assets | 0.0621% | 4,515 |
| Net interest margin | 3.5608% | 1,487 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.1152% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8862% | 355 |
| Return on assets (ROA) | 1.8862% | 349 |
| Pretax return on assets | 1.8862% | 603 |
| Return on Equity (ROE) | 38.7300% | 49 |
| Retained earnings to average equity (ytd only) | 8.7331% | 1,745 |
| Net charge-offs to loans | 0.0724% | 788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 50.1082% | 1,283 |
| Efficiency ratio | 52.8610% | 3,930 |
| Assets per employee ($millions) | 4.9184% | 3,749 |
| Cash dividends to net income (ytd only)* | 77.4509% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,068 |
| Loan loss allowance to noncurrent loans | 136.8910% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 1,113 |
| Noncurrent loans to loans | 0.7960% | 1,011 |
| Net loans and leases to total assets | 57.5400% | 2,755 |
| Net loans and leases to deposits | 62.4149% | 2,990 |
| Net loans and leases to core deposits | 62.9350% | 3,195 |
| Total domestic deposits to total assets | 92.1800% | 825 |
| Equity capital to assets | 2.3034% | 4,649 |
| Core capital (leverage) ratio | 7.7271% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9886% | 2,473 |
| Memoranda: | ||
| Average total assets | $687,144,000 | 1,330 |
| Average earning assets | $660,851,250 | 1,296 |
| Average equity | $33,465,750 | 2,213 |
| Average total loans | $357,236,000 | 1,516 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 2,433 |
| Cost of funding earning assets | 0.0505% | 4,598 |
| Net interest margin | 3.3496% | 1,760 |
| Noninterest income to average assets | 0.5868% | 1,797 |
| Noninterest expense to average assets | 2.0625% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7479% | 383 |
| Return on assets (ROA) | 1.7479% | 376 |
| Pretax return on assets | 1.7479% | 682 |
| Return on Equity (ROE) | 30.6434% | 51 |
| Retained earnings to average equity (ytd only) | 5.0903% | 2,676 |
| Net charge-offs to loans | 0.0995% | 595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 35.1395% | 1,322 |
| Efficiency ratio | 54.1287% | 3,955 |
| Assets per employee ($millions) | 5.0974% | 3,591 |
| Cash dividends to net income (ytd only)* | 83.3885% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,560 |
| Loan loss allowance to noncurrent loans | 131.9705% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 1,192 |
| Noncurrent loans to loans | 0.9290% | 903 |
| Net loans and leases to total assets | 50.6371% | 3,307 |
| Net loans and leases to deposits | 56.4924% | 3,342 |
| Net loans and leases to core deposits | 56.9790% | 3,493 |
| Total domestic deposits to total assets | 89.6352% | 1,881 |
| Equity capital to assets | 3.7393% | 4,645 |
| Core capital (leverage) ratio | 7.5988% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8194% | 2,144 |
| Memoranda: | ||
| Average total assets | $691,585,333 | 1,329 |
| Average earning assets | $665,579,000 | 1,296 |
| Average equity | $39,447,333 | 2,023 |
| Average total loans | $345,661,000 | 1,544 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2758% | 2,456 |
| Cost of funding earning assets | 0.0442% | 4,638 |
| Net interest margin | 3.2316% | 1,777 |
| Noninterest income to average assets | 0.5915% | 1,728 |
| Noninterest expense to average assets | 2.0286% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6733% | 432 |
| Return on assets (ROA) | 1.6733% | 433 |
| Pretax return on assets | 1.6733% | 722 |
| Return on Equity (ROE) | 25.0946% | 96 |
| Retained earnings to average equity (ytd only) | 10.0085% | 1,018 |
| Net charge-offs to loans | -0.0023% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7981% | 3,994 |
| Assets per employee ($millions) | 5.2468% | 3,545 |
| Cash dividends to net income (ytd only)* | 60.1168% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,333 |
| Loan loss allowance to noncurrent loans | 140.6043% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 1,330 |
| Noncurrent loans to loans | 0.9291% | 979 |
| Net loans and leases to total assets | 48.7279% | 3,308 |
| Net loans and leases to deposits | 55.0734% | 3,340 |
| Net loans and leases to core deposits | 55.5186% | 3,490 |
| Total domestic deposits to total assets | 88.4782% | 2,307 |
| Equity capital to assets | 5.5139% | 4,662 |
| Core capital (leverage) ratio | 7.8924% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2136% | 2,115 |
| Memoranda: | ||
| Average total assets | $695,853,500 | 1,328 |
| Average earning assets | $669,760,000 | 1,293 |
| Average equity | $46,400,500 | 1,843 |
| Average total loans | $343,407,000 | 1,542 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5312% | 2,573 |
| Cost of funding earning assets | 0.0524% | 4,678 |
| Net interest margin | 3.4788% | 1,800 |
| Noninterest income to average assets | 0.8288% | 1,383 |
| Noninterest expense to average assets | 2.2061% | 3,060 |
| Loan and lease loss provision to assets | 0.0455% | 2,145 |
| Net operating income to assets | 1.9204% | 393 |
| Return on assets (ROA) | 1.9204% | 415 |
| Pretax return on assets | 1.9204% | 694 |
| Return on Equity (ROE) | 23.6881% | 153 |
| Retained earnings to average equity (ytd only) | 10.0305% | 913 |
| Net charge-offs to loans | 0.1568% | 613 |
| Credit loss provision to net charge-offs | 57.9151% | 2,083 |
| Earnings coverage of net charge-offs (x) | 25.0251% | 1,733 |
| Efficiency ratio | 52.8790% | 4,050 |
| Assets per employee ($millions) | 5.2174% | 3,548 |
| Cash dividends to net income (ytd only)* | 57.6562% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,385 |
| Loan loss allowance to noncurrent loans | 138.0216% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 1,426 |
| Noncurrent loans to loans | 0.9380% | 1,082 |
| Net loans and leases to total assets | 48.6896% | 3,437 |
| Net loans and leases to deposits | 55.9207% | 3,427 |
| Net loans and leases to core deposits | 56.4676% | 3,585 |
| Total domestic deposits to total assets | 87.0690% | 2,494 |
| Equity capital to assets | 7.8115% | 4,462 |
| Core capital (leverage) ratio | 7.7462% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3545% | 2,099 |
| Memoranda: | ||
| Average total assets | $659,402,400 | 1,345 |
| Average earning assets | $633,688,200 | 1,319 |
| Average equity | $53,457,200 | 1,668 |
| Average total loans | $330,269,600 | 1,589 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 2,556 |
| Cost of funding earning assets | 0.0564% | 4,750 |
| Net interest margin | 3.5453% | 1,746 |
| Noninterest income to average assets | 0.8618% | 1,342 |
| Noninterest expense to average assets | 2.1675% | 3,178 |
| Loan and lease loss provision to assets | 0.0205% | 2,583 |
| Net operating income to assets | 2.0798% | 409 |
| Return on assets (ROA) | 2.0798% | 434 |
| Pretax return on assets | 2.0798% | 701 |
| Return on Equity (ROE) | 25.4055% | 166 |
| Retained earnings to average equity (ytd only) | 7.0968% | 2,378 |
| Net charge-offs to loans | 0.2090% | 396 |
| Credit loss provision to net charge-offs | 19.5313% | 1,992 |
| Earnings coverage of net charge-offs (x) | 19.9824% | 1,744 |
| Efficiency ratio | 50.7865% | 4,142 |
| Assets per employee ($millions) | 4.9959% | 3,703 |
| Cash dividends to net income (ytd only)* | 72.0659% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,661 |
| Loan loss allowance to noncurrent loans | 128.4125% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 1,521 |
| Noncurrent loans to loans | 0.9834% | 1,170 |
| Net loans and leases to total assets | 50.6399% | 3,328 |
| Net loans and leases to deposits | 57.3298% | 3,459 |
| Net loans and leases to core deposits | 57.7677% | 3,645 |
| Total domestic deposits to total assets | 88.3309% | 1,652 |
| Equity capital to assets | 8.0234% | 4,512 |
| Core capital (leverage) ratio | 7.7062% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3968% | 2,205 |
| Memoranda: | ||
| Average total assets | $649,469,250 | 1,380 |
| Average earning assets | $623,945,500 | 1,345 |
| Average equity | $53,168,250 | 1,697 |
| Average total loans | $326,619,250 | 1,629 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 2,768 |
| Cost of funding earning assets | 0.0632% | 4,776 |
| Net interest margin | 3.4894% | 1,881 |
| Noninterest income to average assets | 0.8989% | 1,278 |
| Noninterest expense to average assets | 2.1562% | 3,221 |
| Loan and lease loss provision to assets | 0.0310% | 2,361 |
| Net operating income to assets | 2.0621% | 439 |
| Return on assets (ROA) | 2.0621% | 459 |
| Pretax return on assets | 2.0621% | 738 |
| Return on Equity (ROE) | 25.0197% | 191 |
| Retained earnings to average equity (ytd only) | 6.7263% | 2,530 |
| Net charge-offs to loans | 0.0043% | 1,998 |
| Credit loss provision to net charge-offs | 1,428.5714% | 374 |
| Earnings coverage of net charge-offs (x) | 966.0000% | 132 |
| Efficiency ratio | 50.7430% | 4,170 |
| Assets per employee ($millions) | 5.0330% | 3,638 |
| Cash dividends to net income (ytd only)* | 73.1162% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,693 |
| Loan loss allowance to noncurrent loans | 105.8745% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 1,174 |
| Noncurrent loans to loans | 1.3871% | 838 |
| Net loans and leases to total assets | 49.7399% | 3,577 |
| Net loans and leases to deposits | 56.5583% | 3,676 |
| Net loans and leases to core deposits | 57.0643% | 3,831 |
| Total domestic deposits to total assets | 87.9445% | 1,859 |
| Equity capital to assets | 8.2781% | 4,369 |
| Core capital (leverage) ratio | 7.6057% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2443% | 1,888 |
| Memoranda: | ||
| Average total assets | $646,138,333 | 1,376 |
| Average earning assets | $620,390,667 | 1,343 |
| Average equity | $53,254,000 | 1,686 |
| Average total loans | $322,751,667 | 1,652 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4486% | 3,066 |
| Cost of funding earning assets | 0.0728% | 4,783 |
| Net interest margin | 3.3759% | 2,171 |
| Noninterest income to average assets | 1.0026% | 1,125 |
| Noninterest expense to average assets | 2.1648% | 3,220 |
| Loan and lease loss provision to assets | 0.0618% | 1,892 |
| Net operating income to assets | 2.0170% | 559 |
| Return on assets (ROA) | 2.0170% | 603 |
| Pretax return on assets | 2.0170% | 921 |
| Return on Equity (ROE) | 24.5265% | 277 |
| Retained earnings to average equity (ytd only) | 15.5066% | 570 |
| Net charge-offs to loans | 0.0958% | 705 |
| Credit loss provision to net charge-offs | 129.8701% | 1,020 |
| Earnings coverage of net charge-offs (x) | 43.6753% | 953 |
| Efficiency ratio | 51.0124% | 4,092 |
| Assets per employee ($millions) | 4.9746% | 3,687 |
| Cash dividends to net income (ytd only)* | 36.7760% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,765 |
| Loan loss allowance to noncurrent loans | 108.0845% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 1,409 |
| Noncurrent loans to loans | 1.3430% | 959 |
| Net loans and leases to total assets | 49.0272% | 3,707 |
| Net loans and leases to deposits | 55.1743% | 3,853 |
| Net loans and leases to core deposits | 55.6606% | 3,995 |
| Total domestic deposits to total assets | 88.8588% | 1,411 |
| Equity capital to assets | 8.0710% | 4,448 |
| Core capital (leverage) ratio | 7.9109% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8778% | 1,610 |
| Memoranda: | ||
| Average total assets | $647,094,000 | 1,364 |
| Average earning assets | $621,231,500 | 1,334 |
| Average equity | $53,216,000 | 1,674 |
| Average total loans | $321,520,500 | 1,660 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 3,224 |
| Cost of funding earning assets | 0.1312% | 4,784 |
| Net interest margin | 3.6963% | 1,811 |
| Noninterest income to average assets | 0.9081% | 1,242 |
| Noninterest expense to average assets | 2.3596% | 3,245 |
| Loan and lease loss provision to assets | 0.4065% | 760 |
| Net operating income to assets | 1.6778% | 529 |
| Return on assets (ROA) | 1.6997% | 537 |
| Pretax return on assets | 1.6997% | 854 |
| Return on Equity (ROE) | 20.0064% | 229 |
| Retained earnings to average equity (ytd only) | 9.0940% | 748 |
| Net charge-offs to loans | 0.3527% | 492 |
| Credit loss provision to net charge-offs | 212.9547% | 2,100 |
| Earnings coverage of net charge-offs (x) | 10.9184% | 2,430 |
| Efficiency ratio | 53.0970% | 4,298 |
| Assets per employee ($millions) | 4.9046% | 3,498 |
| Cash dividends to net income (ytd only)* | 54.5445% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 1,693 |
| Loan loss allowance to noncurrent loans | 102.4502% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 1,463 |
| Noncurrent loans to loans | 1.4337% | 939 |
| Net loans and leases to total assets | 48.8946% | 3,913 |
| Net loans and leases to deposits | 56.1112% | 3,988 |
| Net loans and leases to core deposits | 56.9804% | 4,101 |
| Total domestic deposits to total assets | 87.1387% | 1,869 |
| Equity capital to assets | 8.3789% | 4,533 |
| Core capital (leverage) ratio | 7.6227% | 4,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2183% | 1,773 |
| Memoranda: | ||
| Average total assets | $590,354,200 | 1,345 |
| Average earning assets | $564,731,000 | 1,315 |
| Average equity | $50,154,000 | 1,688 |
| Average total loans | $319,516,400 | 1,614 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 3,276 |
| Cost of funding earning assets | 0.1413% | 4,819 |
| Net interest margin | 3.7503% | 1,762 |
| Noninterest income to average assets | 0.8898% | 1,260 |
| Noninterest expense to average assets | 2.4330% | 3,045 |
| Loan and lease loss provision to assets | 0.4157% | 820 |
| Net operating income to assets | 1.6263% | 681 |
| Return on assets (ROA) | 1.6561% | 710 |
| Pretax return on assets | 1.6561% | 1,055 |
| Return on Equity (ROE) | 19.4198% | 265 |
| Retained earnings to average equity (ytd only) | 4.5984% | 2,744 |
| Net charge-offs to loans | 0.3412% | 456 |
| Credit loss provision to net charge-offs | 220.0489% | 2,039 |
| Earnings coverage of net charge-offs (x) | 10.8093% | 2,337 |
| Efficiency ratio | 54.3686% | 4,109 |
| Assets per employee ($millions) | 4.6454% | 3,665 |
| Cash dividends to net income (ytd only)* | 76.3213% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,051 |
| Loan loss allowance to noncurrent loans | 66.8493% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.0964% | 954 |
| Noncurrent loans to loans | 1.9856% | 612 |
| Net loans and leases to total assets | 54.4821% | 3,758 |
| Net loans and leases to deposits | 62.4647% | 3,899 |
| Net loans and leases to core deposits | 63.3228% | 4,038 |
| Total domestic deposits to total assets | 87.2206% | 1,568 |
| Equity capital to assets | 8.5124% | 4,457 |
| Core capital (leverage) ratio | 7.5999% | 4,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7536% | 1,911 |
| Memoranda: | ||
| Average total assets | $577,315,500 | 1,355 |
| Average earning assets | $551,899,250 | 1,322 |
| Average equity | $49,233,750 | 1,703 |
| Average total loans | $319,686,750 | 1,615 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,344 |
| Cost of funding earning assets | 0.1495% | 4,881 |
| Net interest margin | 3.8431% | 1,704 |
| Noninterest income to average assets | 0.8035% | 1,429 |
| Noninterest expense to average assets | 2.4526% | 3,095 |
| Loan and lease loss provision to assets | 0.4211% | 938 |
| Net operating income to assets | 1.6010% | 759 |
| Return on assets (ROA) | 1.6463% | 740 |
| Pretax return on assets | 1.6463% | 1,111 |
| Return on Equity (ROE) | 19.2922% | 278 |
| Retained earnings to average equity (ytd only) | 4.0336% | 2,890 |
| Net charge-offs to loans | 0.3418% | 472 |
| Credit loss provision to net charge-offs | 222.2222% | 1,835 |
| Earnings coverage of net charge-offs (x) | 10.6722% | 2,138 |
| Efficiency ratio | 54.8106% | 4,084 |
| Assets per employee ($millions) | 4.7141% | 3,515 |
| Cash dividends to net income (ytd only)* | 79.0921% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,367 |
| Loan loss allowance to noncurrent loans | 62.2515% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1007% | 1,040 |
| Noncurrent loans to loans | 1.9713% | 693 |
| Net loans and leases to total assets | 55.1527% | 3,762 |
| Net loans and leases to deposits | 63.9085% | 3,890 |
| Net loans and leases to core deposits | 64.7471% | 4,033 |
| Total domestic deposits to total assets | 86.2994% | 1,888 |
| Equity capital to assets | 8.4617% | 4,501 |
| Core capital (leverage) ratio | 7.6472% | 4,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3461% | 2,054 |
| Memoranda: | ||
| Average total assets | $570,002,667 | 1,348 |
| Average earning assets | $544,507,667 | 1,319 |
| Average equity | $48,641,333 | 1,713 |
| Average total loans | $315,956,333 | 1,616 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 3,434 |
| Cost of funding earning assets | 0.1720% | 4,941 |
| Net interest margin | 3.9586% | 1,502 |
| Noninterest income to average assets | 0.6803% | 1,727 |
| Noninterest expense to average assets | 2.4974% | 3,273 |
| Loan and lease loss provision to assets | 0.4301% | 702 |
| Net operating income to assets | 1.5304% | 725 |
| Return on assets (ROA) | 1.5304% | 793 |
| Pretax return on assets | 1.5304% | 1,230 |
| Return on Equity (ROE) | 17.8543% | 282 |
| Retained earnings to average equity (ytd only) | 9.4917% | 846 |
| Net charge-offs to loans | 0.3544% | 401 |
| Credit loss provision to net charge-offs | 219.7802% | 1,367 |
| Earnings coverage of net charge-offs (x) | 10.0183% | 1,791 |
| Efficiency ratio | 56.0219% | 4,206 |
| Assets per employee ($millions) | 4.2417% | 3,605 |
| Cash dividends to net income (ytd only)* | 46.8384% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,553 |
| Loan loss allowance to noncurrent loans | 51.1218% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 873 |
| Noncurrent loans to loans | 2.3894% | 515 |
| Net loans and leases to total assets | 54.8025% | 3,924 |
| Net loans and leases to deposits | 63.0884% | 4,029 |
| Net loans and leases to core deposits | 63.9306% | 4,173 |
| Total domestic deposits to total assets | 86.8663% | 1,616 |
| Equity capital to assets | 8.9927% | 4,601 |
| Core capital (leverage) ratio | 8.0201% | 4,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0938% | 2,241 |
| Memoranda: | ||
| Average total assets | $558,013,000 | 1,339 |
| Average earning assets | $532,506,000 | 1,308 |
| Average equity | $47,831,500 | 1,727 |
| Average total loans | $308,101,000 | 1,607 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 3,125 |
| Cost of funding earning assets | 0.1695% | 5,016 |
| Net interest margin | 4.2783% | 1,143 |
| Noninterest income to average assets | 0.7248% | 1,728 |
| Noninterest expense to average assets | 2.4462% | 3,582 |
| Loan and lease loss provision to assets | 0.7266% | 150 |
| Net operating income to assets | 1.6316% | 774 |
| Return on assets (ROA) | 1.6316% | 824 |
| Pretax return on assets | 1.6316% | 1,394 |
| Return on Equity (ROE) | 19.5364% | 240 |
| Retained earnings to average equity (ytd only) | -1.1112% | 4,814 |
| Net charge-offs to loans | 1.0539% | 153 |
| Credit loss provision to net charge-offs | 121.6972% | 2,087 |
| Earnings coverage of net charge-offs (x) | 3.9496% | 3,273 |
| Efficiency ratio | 50.9156% | 4,677 |
| Assets per employee ($millions) | 4.4457% | 3,308 |
| Cash dividends to net income (ytd only)* | 105.6876% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 2,962 |
| Loan loss allowance to noncurrent loans | 48.0823% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 902 |
| Noncurrent loans to loans | 2.2858% | 523 |
| Net loans and leases to total assets | 54.3499% | 4,055 |
| Net loans and leases to deposits | 62.8421% | 4,150 |
| Net loans and leases to core deposits | 63.9667% | 4,278 |
| Total domestic deposits to total assets | 86.4865% | 1,853 |
| Equity capital to assets | 8.1607% | 5,022 |
| Core capital (leverage) ratio | 7.7051% | 5,085 |
| Tier 1 risk-based capital ratio | 12.2826% | 4,194 |
| Total risk-based capital ratio | 13.2468% | 4,241 |
| Memoranda: | ||
| Average total assets | $538,803,200 | 1,332 |
| Average earning assets | $513,774,400 | 1,302 |
| Average equity | $44,998,000 | 1,756 |
| Average total loans | $305,256,200 | 1,584 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 3,011 |
| Cost of funding earning assets | 0.1674% | 5,092 |
| Net interest margin | 4.3482% | 1,058 |
| Noninterest income to average assets | 0.7010% | 1,777 |
| Noninterest expense to average assets | 2.4767% | 3,502 |
| Loan and lease loss provision to assets | 0.1503% | 1,261 |
| Net operating income to assets | 2.2185% | 265 |
| Return on assets (ROA) | 2.2185% | 274 |
| Pretax return on assets | 2.2185% | 439 |
| Return on Equity (ROE) | 26.4044% | 68 |
| Retained earnings to average equity (ytd only) | -1.2907% | 4,880 |
| Net charge-offs to loans | 0.0575% | 2,006 |
| Credit loss provision to net charge-offs | 458.0153% | 679 |
| Earnings coverage of net charge-offs (x) | 72.1994% | 927 |
| Efficiency ratio | 51.1139% | 4,663 |
| Assets per employee ($millions) | 4.3314% | 3,439 |
| Cash dividends to net income (ytd only)* | 104.8882% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,280 |
| Loan loss allowance to noncurrent loans | 77.2650% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 1,834 |
| Noncurrent loans to loans | 1.3611% | 1,132 |
| Net loans and leases to total assets | 54.4109% | 4,145 |
| Net loans and leases to deposits | 62.1442% | 4,283 |
| Net loans and leases to core deposits | 62.9693% | 4,425 |
| Total domestic deposits to total assets | 87.5559% | 1,235 |
| Equity capital to assets | 8.4758% | 5,016 |
| Core capital (leverage) ratio | 7.9430% | 5,134 |
| Tier 1 risk-based capital ratio | 13.0747% | 3,807 |
| Total risk-based capital ratio | 14.0307% | 3,862 |
| Memoranda: | ||
| Average total assets | $532,354,250 | 1,348 |
| Average earning assets | $507,416,000 | 1,323 |
| Average equity | $44,728,750 | 1,770 |
| Average total loans | $304,003,000 | 1,599 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 2,960 |
| Cost of funding earning assets | 0.1623% | 5,141 |
| Net interest margin | 4.3555% | 1,025 |
| Noninterest income to average assets | 0.6390% | 1,976 |
| Noninterest expense to average assets | 2.5036% | 3,466 |
| Loan and lease loss provision to assets | 0.1140% | 1,648 |
| Net operating income to assets | 2.1700% | 283 |
| Return on assets (ROA) | 2.1700% | 296 |
| Pretax return on assets | 2.1700% | 476 |
| Return on Equity (ROE) | 25.9065% | 80 |
| Retained earnings to average equity (ytd only) | -4.8348% | 5,054 |
| Net charge-offs to loans | 0.0788% | 1,577 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 50.1000% | 1,094 |
| Efficiency ratio | 52.2933% | 4,632 |
| Assets per employee ($millions) | 4.1525% | 3,638 |
| Cash dividends to net income (ytd only)* | 118.6625% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,871 |
| Loan loss allowance to noncurrent loans | 83.5597% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 2,121 |
| Noncurrent loans to loans | 1.1385% | 1,427 |
| Net loans and leases to total assets | 55.7763% | 4,088 |
| Net loans and leases to deposits | 63.8362% | 4,233 |
| Net loans and leases to core deposits | 64.7514% | 4,374 |
| Total domestic deposits to total assets | 87.3742% | 1,398 |
| Equity capital to assets | 8.3856% | 5,083 |
| Core capital (leverage) ratio | 8.0225% | 5,163 |
| Tier 1 risk-based capital ratio | 12.6236% | 4,063 |
| Total risk-based capital ratio | 13.4751% | 4,154 |
| Memoranda: | ||
| Average total assets | $526,444,670 | 1,363 |
| Average earning assets | $501,439,000 | 1,331 |
| Average equity | $44,097,000 | 1,788 |
| Average total loans | $304,508,670 | 1,597 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 2,966 |
| Cost of funding earning assets | 0.1415% | 5,226 |
| Net interest margin | 4.3304% | 1,041 |
| Noninterest income to average assets | 0.5895% | 2,099 |
| Noninterest expense to average assets | 2.5635% | 3,322 |
| Loan and lease loss provision to assets | 0.1154% | 1,528 |
| Net operating income to assets | 2.0325% | 365 |
| Return on assets (ROA) | 2.0325% | 383 |
| Pretax return on assets | 2.0325% | 605 |
| Return on Equity (ROE) | 24.2786% | 112 |
| Retained earnings to average equity (ytd only) | -1.6363% | 4,714 |
| Net charge-offs to loans | 0.0262% | 1,930 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 139.5500% | 534 |
| Efficiency ratio | 54.4103% | 4,499 |
| Assets per employee ($millions) | 3.9407% | 4,008 |
| Cash dividends to net income (ytd only)* | 106.7399% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 4,027 |
| Loan loss allowance to noncurrent loans | 71.6772% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 1,850 |
| Noncurrent loans to loans | 1.3008% | 1,261 |
| Net loans and leases to total assets | 58.0522% | 3,883 |
| Net loans and leases to deposits | 67.1185% | 3,972 |
| Net loans and leases to core deposits | 67.8845% | 4,184 |
| Total domestic deposits to total assets | 86.4921% | 2,074 |
| Equity capital to assets | 8.5329% | 4,967 |
| Core capital (leverage) ratio | 8.5209% | 4,996 |
| Tier 1 risk-based capital ratio | 13.1375% | 3,808 |
| Total risk-based capital ratio | 13.9907% | 3,914 |
| Memoranda: | ||
| Average total assets | $519,751,500 | 1,387 |
| Average earning assets | $494,732,000 | 1,355 |
| Average equity | $43,511,500 | 1,798 |
| Average total loans | $304,768,000 | 1,611 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 2,960 |
| Cost of funding earning assets | 0.0896% | 5,311 |
| Net interest margin | 4.2509% | 1,278 |
| Noninterest income to average assets | 0.6658% | 1,983 |
| Noninterest expense to average assets | 2.6487% | 3,185 |
| Loan and lease loss provision to assets | 0.0248% | 3,674 |
| Net operating income to assets | 2.0327% | 339 |
| Return on assets (ROA) | 2.0333% | 336 |
| Pretax return on assets | 2.0333% | 526 |
| Return on Equity (ROE) | 25.5305% | 84 |
| Retained earnings to average equity (ytd only) | 4.8829% | 2,838 |
| Net charge-offs to loans | 0.1039% | 1,721 |
| Credit loss provision to net charge-offs | 41.1184% | 3,272 |
| Earnings coverage of net charge-offs (x) | 34.1118% | 1,475 |
| Efficiency ratio | 56.2816% | 4,372 |
| Assets per employee ($millions) | 3.9643% | 3,942 |
| Cash dividends to net income (ytd only)* | 80.8743% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,207 |
| Loan loss allowance to noncurrent loans | 66.9960% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 1,794 |
| Noncurrent loans to loans | 1.3284% | 1,180 |
| Net loans and leases to total assets | 58.1538% | 3,947 |
| Net loans and leases to deposits | 66.9797% | 4,050 |
| Net loans and leases to core deposits | 68.0535% | 4,234 |
| Total domestic deposits to total assets | 86.8231% | 1,863 |
| Equity capital to assets | 8.2101% | 5,079 |
| Core capital (leverage) ratio | 8.2798% | 5,130 |
| Tier 1 risk-based capital ratio | 13.0719% | 3,803 |
| Total risk-based capital ratio | 13.8787% | 3,941 |
| Memoranda: | ||
| Average total assets | $504,019,400 | 1,399 |
| Average earning assets | $479,050,800 | 1,365 |
| Average equity | $40,140,200 | 1,850 |
| Average total loans | $292,659,200 | 1,627 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 3,020 |
| Cost of funding earning assets | 0.0856% | 5,383 |
| Net interest margin | 4.1995% | 1,359 |
| Noninterest income to average assets | 0.6739% | 1,964 |
| Noninterest expense to average assets | 2.6349% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0293% | 353 |
| Return on assets (ROA) | 2.0301% | 352 |
| Pretax return on assets | 2.0301% | 579 |
| Return on Equity (ROE) | 25.6970% | 78 |
| Retained earnings to average equity (ytd only) | -2.2674% | 5,214 |
| Net charge-offs to loans | 0.0359% | 2,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 97.6001% | 766 |
| Efficiency ratio | 56.4922% | 4,317 |
| Assets per employee ($millions) | 3.7249% | 4,271 |
| Cash dividends to net income (ytd only)* | 108.8236% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,039 |
| Loan loss allowance to noncurrent loans | 68.7775% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 1,721 |
| Noncurrent loans to loans | 1.3849% | 1,201 |
| Net loans and leases to total assets | 58.6032% | 3,981 |
| Net loans and leases to deposits | 65.7096% | 4,221 |
| Net loans and leases to core deposits | 66.4649% | 4,386 |
| Total domestic deposits to total assets | 89.1852% | 779 |
| Equity capital to assets | 7.6419% | 5,281 |
| Core capital (leverage) ratio | 8.2091% | 5,247 |
| Tier 1 risk-based capital ratio | 12.6168% | 4,146 |
| Total risk-based capital ratio | 13.4760% | 4,250 |
| Memoranda: | ||
| Average total assets | $500,192,750 | 1,413 |
| Average earning assets | $475,283,750 | 1,377 |
| Average equity | $39,516,000 | 1,883 |
| Average total loans | $289,644,000 | 1,645 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 3,004 |
| Cost of funding earning assets | 0.0832% | 5,438 |
| Net interest margin | 4.1493% | 1,415 |
| Noninterest income to average assets | 0.6697% | 2,006 |
| Noninterest expense to average assets | 2.6036% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0094% | 375 |
| Return on assets (ROA) | 2.0094% | 371 |
| Pretax return on assets | 2.0094% | 594 |
| Return on Equity (ROE) | 25.1618% | 80 |
| Retained earnings to average equity (ytd only) | -4.9633% | 5,288 |
| Net charge-offs to loans | 0.0139% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 251.4500% | 354 |
| Efficiency ratio | 56.4400% | 4,425 |
| Assets per employee ($millions) | 3.7046% | 4,344 |
| Cash dividends to net income (ytd only)* | 119.7256% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,976 |
| Loan loss allowance to noncurrent loans | 82.8093% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 1,989 |
| Noncurrent loans to loans | 1.1795% | 1,470 |
| Net loans and leases to total assets | 59.5201% | 3,850 |
| Net loans and leases to deposits | 66.9762% | 4,103 |
| Net loans and leases to core deposits | 67.8135% | 4,266 |
| Total domestic deposits to total assets | 88.8676% | 986 |
| Equity capital to assets | 7.8795% | 5,266 |
| Core capital (leverage) ratio | 8.1449% | 5,295 |
| Tier 1 risk-based capital ratio | 12.6655% | 4,085 |
| Total risk-based capital ratio | 13.5527% | 4,189 |
| Memoranda: | ||
| Average total assets | $500,543,670 | 1,414 |
| Average earning assets | $475,698,000 | 1,383 |
| Average equity | $39,973,330 | 1,860 |
| Average total loans | $287,750,330 | 1,654 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 3,268 |
| Cost of funding earning assets | 0.0815% | 5,498 |
| Net interest margin | 4.0085% | 1,699 |
| Noninterest income to average assets | 0.6383% | 2,086 |
| Noninterest expense to average assets | 2.5708% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8779% | 477 |
| Return on assets (ROA) | 1.8779% | 482 |
| Pretax return on assets | 1.8779% | 767 |
| Return on Equity (ROE) | 23.3646% | 121 |
| Retained earnings to average equity (ytd only) | -2.2215% | 5,030 |
| Net charge-offs to loans | 0.0112% | 2,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 297.1250% | 233 |
| Efficiency ratio | 57.7872% | 4,372 |
| Assets per employee ($millions) | 3.8026% | 4,285 |
| Cash dividends to net income (ytd only)* | 109.5078% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,898 |
| Loan loss allowance to noncurrent loans | 79.6409% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 2,053 |
| Noncurrent loans to loans | 1.2669% | 1,419 |
| Net loans and leases to total assets | 55.9287% | 4,130 |
| Net loans and leases to deposits | 63.6565% | 4,228 |
| Net loans and leases to core deposits | 64.4372% | 4,400 |
| Total domestic deposits to total assets | 87.8602% | 1,697 |
| Equity capital to assets | 7.8809% | 5,301 |
| Core capital (leverage) ratio | 8.2106% | 5,308 |
| Tier 1 risk-based capital ratio | 13.1662% | 3,871 |
| Total risk-based capital ratio | 14.0753% | 3,937 |
| Memoranda: | ||
| Average total assets | $506,309,000 | 1,409 |
| Average earning assets | $481,274,000 | 1,380 |
| Average equity | $40,694,000 | 1,841 |
| Average total loans | $284,659,500 | 1,678 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 3,411 |
| Cost of funding earning assets | 0.0739% | 5,566 |
| Net interest margin | 3.9231% | 2,022 |
| Noninterest income to average assets | 0.6995% | 1,967 |
| Noninterest expense to average assets | 2.5672% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8492% | 375 |
| Return on assets (ROA) | 1.8522% | 375 |
| Pretax return on assets | 1.8522% | 685 |
| Return on Equity (ROE) | 22.5668% | 110 |
| Retained earnings to average equity (ytd only) | 5.0860% | 2,074 |
| Net charge-offs to loans | 0.0205% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 162.1607% | 453 |
| Efficiency ratio | 58.1289% | 4,511 |
| Assets per employee ($millions) | 3.8693% | 4,164 |
| Cash dividends to net income (ytd only)* | 77.4626% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,814 |
| Loan loss allowance to noncurrent loans | 270.6929% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 3,863 |
| Noncurrent loans to loans | 0.3766% | 3,409 |
| Net loans and leases to total assets | 55.3764% | 4,242 |
| Net loans and leases to deposits | 63.4829% | 4,354 |
| Net loans and leases to core deposits | 64.7102% | 4,486 |
| Total domestic deposits to total assets | 87.2305% | 1,887 |
| Equity capital to assets | 8.1935% | 5,305 |
| Core capital (leverage) ratio | 8.3381% | 5,263 |
| Tier 1 risk-based capital ratio | 13.4769% | 3,640 |
| Total risk-based capital ratio | 14.4050% | 3,733 |
| Memoranda: | ||
| Average total assets | $491,081,600 | 1,427 |
| Average earning assets | $465,266,600 | 1,397 |
| Average equity | $40,307,000 | 1,851 |
| Average total loans | $272,746,800 | 1,698 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,417 |
| Cost of funding earning assets | 0.0734% | 5,633 |
| Net interest margin | 3.9068% | 2,018 |
| Noninterest income to average assets | 0.7034% | 1,986 |
| Noninterest expense to average assets | 2.5766% | 3,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8264% | 446 |
| Return on assets (ROA) | 1.8305% | 451 |
| Pretax return on assets | 1.8305% | 822 |
| Return on Equity (ROE) | 22.2922% | 132 |
| Retained earnings to average equity (ytd only) | -1.1933% | 5,367 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5193% | 4,427 |
| Assets per employee ($millions) | 3.7458% | 4,385 |
| Cash dividends to net income (ytd only)* | 105.3529% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,611 |
| Loan loss allowance to noncurrent loans | 285.5620% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 4,018 |
| Noncurrent loans to loans | 0.3777% | 3,597 |
| Net loans and leases to total assets | 54.6638% | 4,357 |
| Net loans and leases to deposits | 61.1756% | 4,576 |
| Net loans and leases to core deposits | 61.8720% | 4,716 |
| Total domestic deposits to total assets | 89.3557% | 721 |
| Equity capital to assets | 8.1391% | 5,462 |
| Core capital (leverage) ratio | 8.1568% | 5,446 |
| Tier 1 risk-based capital ratio | 13.1117% | 3,934 |
| Total risk-based capital ratio | 14.0881% | 4,022 |
| Memoranda: | ||
| Average total assets | $487,132,500 | 1,449 |
| Average earning assets | $461,301,000 | 1,422 |
| Average equity | $40,001,000 | 1,874 |
| Average total loans | $270,038,000 | 1,719 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,426 |
| Cost of funding earning assets | 0.0728% | 5,674 |
| Net interest margin | 3.8634% | 2,050 |
| Noninterest income to average assets | 0.6912% | 2,027 |
| Noninterest expense to average assets | 2.5789% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7677% | 483 |
| Return on assets (ROA) | 1.7677% | 493 |
| Pretax return on assets | 1.7677% | 904 |
| Return on Equity (ROE) | 21.4627% | 159 |
| Retained earnings to average equity (ytd only) | -3.5871% | 5,472 |
| Net charge-offs to loans | -0.0082% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3317% | 4,416 |
| Assets per employee ($millions) | 3.6849% | 4,455 |
| Cash dividends to net income (ytd only)* | 116.7134% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,644 |
| Loan loss allowance to noncurrent loans | 287.1845% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 4,043 |
| Noncurrent loans to loans | 0.3794% | 3,664 |
| Net loans and leases to total assets | 56.9374% | 4,127 |
| Net loans and leases to deposits | 64.6612% | 4,329 |
| Net loans and leases to core deposits | 65.4459% | 4,512 |
| Total domestic deposits to total assets | 88.0550% | 1,431 |
| Equity capital to assets | 8.4691% | 5,326 |
| Core capital (leverage) ratio | 8.0902% | 5,493 |
| Tier 1 risk-based capital ratio | 13.1892% | 3,891 |
| Total risk-based capital ratio | 14.1841% | 3,961 |
| Memoranda: | ||
| Average total assets | $484,696,000 | 1,460 |
| Average earning assets | $458,609,670 | 1,429 |
| Average equity | $39,920,330 | 1,876 |
| Average total loans | $268,974,670 | 1,721 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 3,644 |
| Cost of funding earning assets | 0.0714% | 5,740 |
| Net interest margin | 3.7625% | 2,255 |
| Noninterest income to average assets | 0.6775% | 2,051 |
| Noninterest expense to average assets | 2.5439% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6930% | 562 |
| Return on assets (ROA) | 1.6930% | 573 |
| Pretax return on assets | 1.6930% | 1,025 |
| Return on Equity (ROE) | 20.8382% | 196 |
| Retained earnings to average equity (ytd only) | 0.7918% | 4,723 |
| Net charge-offs to loans | 0.0060% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 519.7500% | 107 |
| Efficiency ratio | 60.0423% | 4,449 |
| Assets per employee ($millions) | 3.8113% | 4,328 |
| Cash dividends to net income (ytd only)* | 96.2001% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,711 |
| Loan loss allowance to noncurrent loans | 308.4906% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 4,258 |
| Noncurrent loans to loans | 0.3570% | 3,810 |
| Net loans and leases to total assets | 53.3470% | 4,388 |
| Net loans and leases to deposits | 60.5771% | 4,530 |
| Net loans and leases to core deposits | 61.2818% | 4,704 |
| Total domestic deposits to total assets | 88.0645% | 1,685 |
| Equity capital to assets | 8.0870% | 5,479 |
| Core capital (leverage) ratio | 8.0739% | 5,525 |
| Tier 1 risk-based capital ratio | 13.6420% | 3,691 |
| Total risk-based capital ratio | 14.6454% | 3,757 |
| Memoranda: | ||
| Average total assets | $491,209,500 | 1,444 |
| Average earning assets | $464,693,000 | 1,421 |
| Average equity | $39,907,500 | 1,868 |
| Average total loans | $267,705,000 | 1,740 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 3,794 |
| Cost of funding earning assets | 0.0735% | 5,798 |
| Net interest margin | 3.7600% | 2,469 |
| Noninterest income to average assets | 0.7316% | 2,031 |
| Noninterest expense to average assets | 2.6115% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6953% | 551 |
| Return on assets (ROA) | 1.6953% | 573 |
| Pretax return on assets | 1.6953% | 1,012 |
| Return on Equity (ROE) | 19.9397% | 212 |
| Retained earnings to average equity (ytd only) | 5.5270% | 1,999 |
| Net charge-offs to loans | 0.0208% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 147.3148% | 432 |
| Efficiency ratio | 60.6364% | 4,486 |
| Assets per employee ($millions) | 3.8043% | 4,304 |
| Cash dividends to net income (ytd only)* | 72.2816% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,724 |
| Loan loss allowance to noncurrent loans | 266.6968% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 4,165 |
| Noncurrent loans to loans | 0.4121% | 3,668 |
| Net loans and leases to total assets | 54.4619% | 4,400 |
| Net loans and leases to deposits | 61.9957% | 4,546 |
| Net loans and leases to core deposits | 63.1274% | 4,684 |
| Total domestic deposits to total assets | 87.8480% | 1,713 |
| Equity capital to assets | 8.1624% | 5,490 |
| Core capital (leverage) ratio | 8.2288% | 5,490 |
| Tier 1 risk-based capital ratio | 13.5287% | 3,752 |
| Total risk-based capital ratio | 14.5271% | 3,823 |
| Memoranda: | ||
| Average total assets | $469,228,200 | 1,454 |
| Average earning assets | $446,170,000 | 1,423 |
| Average equity | $39,895,200 | 1,849 |
| Average total loans | $259,702,200 | 1,737 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 3,780 |
| Cost of funding earning assets | 0.0741% | 5,863 |
| Net interest margin | 3.7712% | 2,446 |
| Noninterest income to average assets | 0.7312% | 2,040 |
| Noninterest expense to average assets | 2.6164% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7065% | 585 |
| Return on assets (ROA) | 1.7065% | 623 |
| Pretax return on assets | 1.7065% | 1,100 |
| Return on Equity (ROE) | 19.8631% | 246 |
| Retained earnings to average equity (ytd only) | 0.6645% | 5,187 |
| Net charge-offs to loans | 0.0207% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 148.7305% | 467 |
| Efficiency ratio | 60.5242% | 4,460 |
| Assets per employee ($millions) | 3.4384% | 4,856 |
| Cash dividends to net income (ytd only)* | 96.6550% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,666 |
| Loan loss allowance to noncurrent loans | 309.7280% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 4,352 |
| Noncurrent loans to loans | 0.3654% | 3,948 |
| Net loans and leases to total assets | 56.9949% | 4,193 |
| Net loans and leases to deposits | 64.8714% | 4,423 |
| Net loans and leases to core deposits | 65.6718% | 4,630 |
| Total domestic deposits to total assets | 87.8583% | 1,475 |
| Equity capital to assets | 8.9934% | 5,187 |
| Core capital (leverage) ratio | 8.1661% | 5,596 |
| Tier 1 risk-based capital ratio | 13.3069% | 3,975 |
| Total risk-based capital ratio | 14.3459% | 4,013 |
| Memoranda: | ||
| Average total assets | $464,796,500 | 1,468 |
| Average earning assets | $442,682,500 | 1,443 |
| Average equity | $39,932,250 | 1,859 |
| Average total loans | $257,589,750 | 1,751 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 3,996 |
| Cost of funding earning assets | 0.0737% | 5,945 |
| Net interest margin | 3.7143% | 2,642 |
| Noninterest income to average assets | 0.6571% | 2,341 |
| Noninterest expense to average assets | 2.5660% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6408% | 655 |
| Return on assets (ROA) | 1.6408% | 697 |
| Pretax return on assets | 1.6408% | 1,253 |
| Return on Equity (ROE) | 19.3910% | 272 |
| Retained earnings to average equity (ytd only) | -1.0596% | 5,445 |
| Net charge-offs to loans | -0.0031% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9967% | 4,515 |
| Assets per employee ($millions) | 3.6256% | 4,558 |
| Cash dividends to net income (ytd only)* | 105.4645% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 3,513 |
| Loan loss allowance to noncurrent loans | 324.1640% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 4,471 |
| Noncurrent loans to loans | 0.3617% | 4,071 |
| Net loans and leases to total assets | 54.1621% | 4,494 |
| Net loans and leases to deposits | 61.8200% | 4,670 |
| Net loans and leases to core deposits | 62.5861% | 4,846 |
| Total domestic deposits to total assets | 87.6126% | 1,619 |
| Equity capital to assets | 8.7490% | 5,440 |
| Core capital (leverage) ratio | 8.0595% | 5,695 |
| Tier 1 risk-based capital ratio | 13.4015% | 3,964 |
| Total risk-based capital ratio | 14.4751% | 3,978 |
| Memoranda: | ||
| Average total assets | $468,440,330 | 1,468 |
| Average earning assets | $447,675,000 | 1,432 |
| Average equity | $39,637,000 | 1,873 |
| Average total loans | $256,239,330 | 1,759 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,003 |
| Cost of funding earning assets | 0.0749% | 6,004 |
| Net interest margin | 3.7080% | 2,637 |
| Noninterest income to average assets | 0.5674% | 2,697 |
| Noninterest expense to average assets | 2.5639% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5537% | 776 |
| Return on assets (ROA) | 1.5537% | 814 |
| Pretax return on assets | 1.5537% | 1,424 |
| Return on Equity (ROE) | 18.6788% | 313 |
| Retained earnings to average equity (ytd only) | 2.0720% | 4,427 |
| Net charge-offs to loans | -0.0109% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2669% | 4,414 |
| Assets per employee ($millions) | 3.5982% | 4,654 |
| Cash dividends to net income (ytd only)* | 88.9072% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,689 |
| Loan loss allowance to noncurrent loans | 313.0073% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 4,497 |
| Noncurrent loans to loans | 0.3720% | 4,103 |
| Net loans and leases to total assets | 55.0122% | 4,352 |
| Net loans and leases to deposits | 63.2140% | 4,486 |
| Net loans and leases to core deposits | 63.9083% | 4,696 |
| Total domestic deposits to total assets | 87.0253% | 2,202 |
| Equity capital to assets | 8.6292% | 5,473 |
| Core capital (leverage) ratio | 8.0796% | 5,735 |
| Tier 1 risk-based capital ratio | 13.6640% | 3,892 |
| Total risk-based capital ratio | 14.7477% | 3,902 |
| Memoranda: | ||
| Average total assets | $468,810,500 | 1,464 |
| Average earning assets | $448,872,500 | 1,426 |
| Average equity | $38,996,000 | 1,894 |
| Average total loans | $256,198,500 | 1,756 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 4,210 |
| Cost of funding earning assets | 0.0798% | 6,037 |
| Net interest margin | 3.6659% | 2,880 |
| Noninterest income to average assets | 0.6668% | 2,368 |
| Noninterest expense to average assets | 2.6531% | 3,747 |
| Loan and lease loss provision to assets | 0.0407% | 3,522 |
| Net operating income to assets | 1.4755% | 907 |
| Return on assets (ROA) | 1.4976% | 903 |
| Pretax return on assets | 1.4976% | 1,561 |
| Return on Equity (ROE) | 18.0900% | 371 |
| Retained earnings to average equity (ytd only) | 3.8108% | 3,323 |
| Net charge-offs to loans | 0.3942% | 728 |
| Credit loss provision to net charge-offs | 18.6613% | 3,760 |
| Earnings coverage of net charge-offs (x) | 6.9554% | 3,145 |
| Efficiency ratio | 63.6354% | 4,343 |
| Assets per employee ($millions) | 3.6420% | 4,574 |
| Cash dividends to net income (ytd only)* | 78.9342% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,584 |
| Loan loss allowance to noncurrent loans | 295.3740% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,193 |
| Noncurrent loans to loans | 0.3999% | 4,023 |
| Net loans and leases to total assets | 53.0230% | 4,599 |
| Net loans and leases to deposits | 61.5967% | 4,661 |
| Net loans and leases to core deposits | 62.7180% | 4,822 |
| Total domestic deposits to total assets | 86.0808% | 2,601 |
| Equity capital to assets | 8.0130% | 5,849 |
| Core capital (leverage) ratio | 7.9668% | 5,854 |
| Tier 1 risk-based capital ratio | 13.6986% | 3,888 |
| Total risk-based capital ratio | 14.7883% | 3,917 |
| Memoranda: | ||
| Average total assets | $452,334,800 | 1,483 |
| Average earning assets | $432,176,600 | 1,447 |
| Average equity | $37,446,000 | 1,910 |
| Average total loans | $250,121,000 | 1,727 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 4,142 |
| Cost of funding earning assets | 0.0812% | 6,116 |
| Net interest margin | 3.7033% | 2,755 |
| Noninterest income to average assets | 0.6940% | 2,257 |
| Noninterest expense to average assets | 2.6907% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5401% | 866 |
| Return on assets (ROA) | 1.5401% | 902 |
| Pretax return on assets | 1.5401% | 1,572 |
| Return on Equity (ROE) | 18.4475% | 372 |
| Retained earnings to average equity (ytd only) | -0.6537% | 5,710 |
| Net charge-offs to loans | 0.1547% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 17.8687% | 2,040 |
| Efficiency ratio | 63.5979% | 4,315 |
| Assets per employee ($millions) | 3.5255% | 4,755 |
| Cash dividends to net income (ytd only)* | 103.5439% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 2,409 |
| Loan loss allowance to noncurrent loans | 200.4564% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 3,861 |
| Noncurrent loans to loans | 0.7183% | 3,180 |
| Net loans and leases to total assets | 53.3016% | 4,641 |
| Net loans and leases to deposits | 62.1426% | 4,711 |
| Net loans and leases to core deposits | 62.8155% | 4,877 |
| Total domestic deposits to total assets | 85.7730% | 2,654 |
| Equity capital to assets | 8.3604% | 5,792 |
| Core capital (leverage) ratio | 8.0187% | 5,888 |
| Tier 1 risk-based capital ratio | 13.6923% | 4,029 |
| Total risk-based capital ratio | 14.9435% | 3,962 |
| Memoranda: | ||
| Average total assets | $447,054,750 | 1,510 |
| Average earning assets | $426,954,250 | 1,464 |
| Average equity | $37,323,000 | 1,928 |
| Average total loans | $249,141,000 | 1,742 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 4,182 |
| Cost of funding earning assets | 0.0837% | 6,186 |
| Net interest margin | 3.6852% | 2,774 |
| Noninterest income to average assets | 0.6673% | 2,373 |
| Noninterest expense to average assets | 2.6743% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5111% | 880 |
| Return on assets (ROA) | 1.5111% | 922 |
| Pretax return on assets | 1.5111% | 1,618 |
| Return on Equity (ROE) | 18.1080% | 409 |
| Retained earnings to average equity (ytd only) | -1.2154% | 5,724 |
| Net charge-offs to loans | 0.1268% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 21.1761% | 1,683 |
| Efficiency ratio | 63.8966% | 4,377 |
| Assets per employee ($millions) | 3.4437% | 4,905 |
| Cash dividends to net income (ytd only)* | 106.7122% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 2,537 |
| Loan loss allowance to noncurrent loans | 201.2148% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 3,697 |
| Noncurrent loans to loans | 0.7181% | 3,335 |
| Net loans and leases to total assets | 56.3842% | 4,301 |
| Net loans and leases to deposits | 63.9527% | 4,544 |
| Net loans and leases to core deposits | 64.6341% | 4,763 |
| Total domestic deposits to total assets | 88.1654% | 1,569 |
| Equity capital to assets | 8.3511% | 5,796 |
| Core capital (leverage) ratio | 8.1292% | 5,847 |
| Tier 1 risk-based capital ratio | 13.2425% | 4,379 |
| Total risk-based capital ratio | 14.4936% | 4,306 |
| Memoranda: | ||
| Average total assets | $445,650,330 | 1,524 |
| Average earning assets | $425,436,670 | 1,478 |
| Average equity | $37,188,000 | 1,942 |
| Average total loans | $250,839,000 | 1,735 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,297 |
| Cost of funding earning assets | 0.0860% | 6,248 |
| Net interest margin | 3.6348% | 2,878 |
| Noninterest income to average assets | 0.6267% | 2,516 |
| Noninterest expense to average assets | 2.6656% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4328% | 977 |
| Return on assets (ROA) | 1.4328% | 1,031 |
| Pretax return on assets | 1.4328% | 1,765 |
| Return on Equity (ROE) | 17.1766% | 456 |
| Retained earnings to average equity (ytd only) | -4.0988% | 5,867 |
| Net charge-offs to loans | 0.1999% | 1,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.8400% | 1,764 |
| Efficiency ratio | 65.0403% | 4,312 |
| Assets per employee ($millions) | 3.4818% | 4,927 |
| Cash dividends to net income (ytd only)* | 123.8629% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 2,565 |
| Loan loss allowance to noncurrent loans | 177.3385% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 3,652 |
| Noncurrent loans to loans | 0.8307% | 3,168 |
| Net loans and leases to total assets | 56.0715% | 4,190 |
| Net loans and leases to deposits | 64.0918% | 4,362 |
| Net loans and leases to core deposits | 64.8256% | 4,624 |
| Total domestic deposits to total assets | 87.4863% | 2,114 |
| Equity capital to assets | 8.5573% | 5,701 |
| Core capital (leverage) ratio | 8.1009% | 5,881 |
| Tier 1 risk-based capital ratio | 13.3498% | 4,395 |
| Total risk-based capital ratio | 14.6009% | 4,311 |
| Memoranda: | ||
| Average total assets | $448,079,500 | 1,526 |
| Average earning assets | $427,978,500 | 1,472 |
| Average equity | $37,376,500 | 1,947 |
| Average total loans | $250,168,000 | 1,739 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 4,507 |
| Cost of funding earning assets | 0.1251% | 6,223 |
| Net interest margin | 3.6702% | 3,127 |
| Noninterest income to average assets | 0.5648% | 3,092 |
| Noninterest expense to average assets | 2.6709% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3859% | 1,108 |
| Return on assets (ROA) | 1.3941% | 1,124 |
| Pretax return on assets | 1.3941% | 1,905 |
| Return on Equity (ROE) | 17.5842% | 436 |
| Retained earnings to average equity (ytd only) | 3.6929% | 3,586 |
| Net charge-offs to loans | 0.1269% | 2,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 19.7338% | 1,761 |
| Efficiency ratio | 65.8386% | 4,281 |
| Assets per employee ($millions) | 3.6306% | 4,660 |
| Cash dividends to net income (ytd only)* | 78.9990% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 2,398 |
| Loan loss allowance to noncurrent loans | 178.7124% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 4,069 |
| Noncurrent loans to loans | 0.8489% | 3,188 |
| Net loans and leases to total assets | 53.9653% | 4,584 |
| Net loans and leases to deposits | 63.3964% | 4,590 |
| Net loans and leases to core deposits | 64.5978% | 4,786 |
| Total domestic deposits to total assets | 85.1236% | 3,237 |
| Equity capital to assets | 8.1346% | 5,995 |
| Core capital (leverage) ratio | 8.1812% | 5,868 |
| Tier 1 risk-based capital ratio | 13.5671% | 4,375 |
| Total risk-based capital ratio | 14.8192% | 4,305 |
| Memoranda: | ||
| Average total assets | $438,575,200 | 1,516 |
| Average earning assets | $417,282,200 | 1,472 |
| Average equity | $34,769,800 | 2,009 |
| Average total loans | $242,780,000 | 1,740 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 4,465 |
| Cost of funding earning assets | 0.1359% | 6,260 |
| Net interest margin | 3.6850% | 3,090 |
| Noninterest income to average assets | 0.5633% | 3,111 |
| Noninterest expense to average assets | 2.7145% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3497% | 1,248 |
| Return on assets (ROA) | 1.3608% | 1,263 |
| Pretax return on assets | 1.3608% | 2,154 |
| Return on Equity (ROE) | 17.2833% | 521 |
| Retained earnings to average equity (ytd only) | -1.5691% | 6,039 |
| Net charge-offs to loans | 0.1584% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.3568% | 2,059 |
| Efficiency ratio | 66.7902% | 4,085 |
| Assets per employee ($millions) | 3.3647% | 5,107 |
| Cash dividends to net income (ytd only)* | 109.0787% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 2,278 |
| Loan loss allowance to noncurrent loans | 175.1374% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 3,985 |
| Noncurrent loans to loans | 0.9179% | 3,269 |
| Net loans and leases to total assets | 55.2219% | 4,435 |
| Net loans and leases to deposits | 62.7698% | 4,670 |
| Net loans and leases to core deposits | 63.6243% | 4,911 |
| Total domestic deposits to total assets | 87.9753% | 1,784 |
| Equity capital to assets | 8.2328% | 5,993 |
| Core capital (leverage) ratio | 7.9915% | 6,074 |
| Tier 1 risk-based capital ratio | 13.3739% | 4,621 |
| Total risk-based capital ratio | 14.6266% | 4,557 |
| Memoranda: | ||
| Average total assets | $433,855,250 | 1,543 |
| Average earning assets | $412,183,500 | 1,497 |
| Average equity | $34,159,250 | 2,045 |
| Average total loans | $240,807,500 | 1,759 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 4,489 |
| Cost of funding earning assets | 0.1441% | 6,301 |
| Net interest margin | 3.6659% | 3,089 |
| Noninterest income to average assets | 0.5339% | 3,245 |
| Noninterest expense to average assets | 2.7002% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3135% | 1,268 |
| Return on assets (ROA) | 1.3135% | 1,319 |
| Pretax return on assets | 1.3135% | 2,207 |
| Return on Equity (ROE) | 16.9324% | 559 |
| Retained earnings to average equity (ytd only) | -6.0039% | 6,294 |
| Net charge-offs to loans | 0.0488% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 48.6610% | 927 |
| Efficiency ratio | 67.2746% | 4,149 |
| Assets per employee ($millions) | 3.3897% | 5,077 |
| Cash dividends to net income (ytd only)* | 135.4580% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 2,107 |
| Loan loss allowance to noncurrent loans | 406.8273% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 4,186 |
| Noncurrent loans to loans | 0.4197% | 4,731 |
| Net loans and leases to total assets | 55.4939% | 4,347 |
| Net loans and leases to deposits | 63.5256% | 4,547 |
| Net loans and leases to core deposits | 64.5223% | 4,767 |
| Total domestic deposits to total assets | 87.3567% | 2,275 |
| Equity capital to assets | 8.2043% | 6,024 |
| Core capital (leverage) ratio | 7.8153% | 6,202 |
| Tier 1 risk-based capital ratio | 13.0066% | 4,909 |
| Total risk-based capital ratio | 14.2604% | 4,837 |
| Memoranda: | ||
| Average total assets | $437,156,000 | 1,533 |
| Average earning assets | $414,955,670 | 1,482 |
| Average equity | $33,911,330 | 2,044 |
| Average total loans | $241,763,330 | 1,748 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,804 |
| Cost of funding earning assets | 0.1513% | 6,347 |
| Net interest margin | 3.5607% | 3,433 |
| Noninterest income to average assets | 0.4507% | 3,790 |
| Noninterest expense to average assets | 2.7102% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1213% | 1,729 |
| Return on assets (ROA) | 1.1213% | 1,793 |
| Pretax return on assets | 1.1213% | 2,808 |
| Return on Equity (ROE) | 14.8582% | 802 |
| Retained earnings to average equity (ytd only) | -6.6142% | 6,216 |
| Net charge-offs to loans | -0.0033% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7357% | 3,695 |
| Assets per employee ($millions) | 3.5350% | 4,855 |
| Cash dividends to net income (ytd only)* | 144.5156% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 2,399 |
| Loan loss allowance to noncurrent loans | 347.6754% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 3,563 |
| Noncurrent loans to loans | 0.4851% | 4,705 |
| Net loans and leases to total assets | 53.8252% | 4,443 |
| Net loans and leases to deposits | 61.8439% | 4,566 |
| Net loans and leases to core deposits | 63.3304% | 4,745 |
| Total domestic deposits to total assets | 87.0339% | 2,791 |
| Equity capital to assets | 7.5745% | 6,290 |
| Core capital (leverage) ratio | 7.6595% | 6,284 |
| Tier 1 risk-based capital ratio | 12.7628% | 5,153 |
| Total risk-based capital ratio | 14.0162% | 5,085 |
| Memoranda: | ||
| Average total assets | $445,570,500 | 1,504 |
| Average earning assets | $423,059,500 | 1,464 |
| Average equity | $33,624,500 | 2,051 |
| Average total loans | $243,991,000 | 1,731 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 4,102 |
| Cost of funding earning assets | 0.2006% | 6,293 |
| Net interest margin | 3.7929% | 2,677 |
| Noninterest income to average assets | 0.7253% | 2,407 |
| Noninterest expense to average assets | 2.7888% | 3,765 |
| Loan and lease loss provision to assets | 0.1408% | 2,548 |
| Net operating income to assets | 1.3851% | 1,057 |
| Return on assets (ROA) | 1.3851% | 1,096 |
| Pretax return on assets | 1.3851% | 1,843 |
| Return on Equity (ROE) | 16.9271% | 511 |
| Retained earnings to average equity (ytd only) | -1.3994% | 6,116 |
| Net charge-offs to loans | 0.0706% | 4,223 |
| Credit loss provision to net charge-offs | 344.8276% | 659 |
| Earnings coverage of net charge-offs (x) | 37.3736% | 1,002 |
| Efficiency ratio | 64.6345% | 4,793 |
| Assets per employee ($millions) | 3.5375% | 4,832 |
| Cash dividends to net income (ytd only)* | 108.2670% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 2,450 |
| Loan loss allowance to noncurrent loans | 376.1208% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 3,696 |
| Noncurrent loans to loans | 0.4477% | 4,879 |
| Net loans and leases to total assets | 53.8476% | 4,596 |
| Net loans and leases to deposits | 62.5559% | 4,667 |
| Net loans and leases to core deposits | 64.4174% | 4,830 |
| Total domestic deposits to total assets | 86.0791% | 3,217 |
| Equity capital to assets | 7.5183% | 6,275 |
| Core capital (leverage) ratio | 7.9576% | 6,169 |
| Tier 1 risk-based capital ratio | 13.0549% | 4,937 |
| Total risk-based capital ratio | 14.3085% | 4,883 |
| Memoranda: | ||
| Average total assets | $426,167,600 | 1,553 |
| Average earning assets | $403,303,000 | 1,503 |
| Average equity | $34,873,000 | 1,978 |
| Average total loans | $246,613,800 | 1,679 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,915 |
| Cost of funding earning assets | 0.2125% | 6,338 |
| Net interest margin | 3.8422% | 2,498 |
| Noninterest income to average assets | 0.8377% | 1,985 |
| Noninterest expense to average assets | 2.8269% | 3,571 |
| Loan and lease loss provision to assets | 0.1899% | 1,930 |
| Net operating income to assets | 1.4540% | 976 |
| Return on assets (ROA) | 1.4540% | 1,027 |
| Pretax return on assets | 1.4540% | 1,749 |
| Return on Equity (ROE) | 17.3944% | 500 |
| Retained earnings to average equity (ytd only) | -6.8040% | 6,567 |
| Net charge-offs to loans | 0.0431% | 4,296 |
| Credit loss provision to net charge-offs | 750.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 64.9274% | 704 |
| Efficiency ratio | 63.2309% | 4,937 |
| Assets per employee ($millions) | 3.2460% | 5,394 |
| Cash dividends to net income (ytd only)* | 139.1162% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 2,582 |
| Loan loss allowance to noncurrent loans | 292.2168% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 3,540 |
| Noncurrent loans to loans | 0.5866% | 4,736 |
| Net loans and leases to total assets | 58.9497% | 3,863 |
| Net loans and leases to deposits | 67.0006% | 4,178 |
| Net loans and leases to core deposits | 69.0201% | 4,432 |
| Total domestic deposits to total assets | 87.9838% | 2,141 |
| Equity capital to assets | 8.0154% | 6,147 |
| Core capital (leverage) ratio | 8.0883% | 6,162 |
| Tier 1 risk-based capital ratio | 12.3994% | 5,516 |
| Total risk-based capital ratio | 13.6532% | 5,450 |
| Memoranda: | ||
| Average total assets | $421,278,250 | 1,576 |
| Average earning assets | $398,340,000 | 1,528 |
| Average equity | $35,213,500 | 1,973 |
| Average total loans | $247,236,500 | 1,679 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 4,058 |
| Cost of funding earning assets | 0.2266% | 6,333 |
| Net interest margin | 3.7837% | 2,618 |
| Noninterest income to average assets | 0.8661% | 1,939 |
| Noninterest expense to average assets | 2.7708% | 3,777 |
| Loan and lease loss provision to assets | 0.2821% | 1,293 |
| Net operating income to assets | 1.3927% | 1,101 |
| Return on assets (ROA) | 1.3927% | 1,181 |
| Pretax return on assets | 1.3927% | 1,956 |
| Return on Equity (ROE) | 16.4447% | 610 |
| Retained earnings to average equity (ytd only) | -11.1704% | 6,691 |
| Net charge-offs to loans | -0.0403% | 6,192 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3268% | 5,124 |
| Assets per employee ($millions) | 3.2828% | 5,305 |
| Cash dividends to net income (ytd only)* | 167.9271% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 2,649 |
| Loan loss allowance to noncurrent loans | 188.9712% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 3,214 |
| Noncurrent loans to loans | 0.9182% | 4,090 |
| Net loans and leases to total assets | 59.8278% | 3,685 |
| Net loans and leases to deposits | 67.7007% | 4,056 |
| Net loans and leases to core deposits | 70.7527% | 4,190 |
| Total domestic deposits to total assets | 88.3711% | 1,997 |
| Equity capital to assets | 8.0642% | 6,156 |
| Core capital (leverage) ratio | 7.8651% | 6,268 |
| Tier 1 risk-based capital ratio | 11.9470% | 5,821 |
| Total risk-based capital ratio | 13.2006% | 5,770 |
| Memoranda: | ||
| Average total assets | $425,371,670 | 1,567 |
| Average earning assets | $402,407,670 | 1,509 |
| Average equity | $36,023,670 | 1,933 |
| Average total loans | $247,879,330 | 1,671 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 4,310 |
| Cost of funding earning assets | 0.2431% | 6,331 |
| Net interest margin | 3.7016% | 2,846 |
| Noninterest income to average assets | 0.8843% | 1,816 |
| Noninterest expense to average assets | 2.7222% | 3,974 |
| Loan and lease loss provision to assets | 0.3465% | 949 |
| Net operating income to assets | 1.3186% | 1,234 |
| Return on assets (ROA) | 1.3186% | 1,337 |
| Pretax return on assets | 1.3186% | 2,165 |
| Return on Equity (ROE) | 15.2256% | 713 |
| Retained earnings to average equity (ytd only) | -9.9548% | 6,615 |
| Net charge-offs to loans | -0.0502% | 6,143 |
| Credit loss provision to net charge-offs | -1,209.6774% | 5,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0472% | 5,297 |
| Assets per employee ($millions) | 3.4033% | 5,194 |
| Cash dividends to net income (ytd only)* | 165.3819% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 3,042 |
| Loan loss allowance to noncurrent loans | 174.4563% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 3,406 |
| Noncurrent loans to loans | 0.9697% | 4,192 |
| Net loans and leases to total assets | 56.3360% | 4,038 |
| Net loans and leases to deposits | 64.5692% | 4,247 |
| Net loans and leases to core deposits | 67.2558% | 4,384 |
| Total domestic deposits to total assets | 87.2489% | 2,795 |
| Equity capital to assets | 8.7385% | 5,775 |
| Core capital (leverage) ratio | 8.0700% | 6,080 |
| Tier 1 risk-based capital ratio | 12.6150% | 5,506 |
| Total risk-based capital ratio | 13.8681% | 5,454 |
| Memoranda: | ||
| Average total assets | $432,879,500 | 1,555 |
| Average earning assets | $409,660,000 | 1,501 |
| Average equity | $37,489,500 | 1,890 |
| Average total loans | $246,898,000 | 1,685 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 4,245 |
| Cost of funding earning assets | 0.3442% | 6,247 |
| Net interest margin | 3.9424% | 2,636 |
| Noninterest income to average assets | 0.8251% | 2,156 |
| Noninterest expense to average assets | 2.7640% | 4,170 |
| Loan and lease loss provision to assets | 0.3540% | 1,889 |
| Net operating income to assets | 1.4102% | 1,081 |
| Return on assets (ROA) | 1.4102% | 1,196 |
| Pretax return on assets | 1.4102% | 2,013 |
| Return on Equity (ROE) | 16.2010% | 631 |
| Retained earnings to average equity (ytd only) | 1.7733% | 4,966 |
| Net charge-offs to loans | 0.4880% | 2,279 |
| Credit loss provision to net charge-offs | 120.9677% | 2,367 |
| Earnings coverage of net charge-offs (x) | 6.0282% | 2,887 |
| Efficiency ratio | 61.0393% | 5,380 |
| Assets per employee ($millions) | 3.5500% | 4,904 |
| Cash dividends to net income (ytd only)* | 89.0544% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 3,888 |
| Loan loss allowance to noncurrent loans | 155.3541% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 3,652 |
| Noncurrent loans to loans | 0.9414% | 4,306 |
| Net loans and leases to total assets | 55.9498% | 4,298 |
| Net loans and leases to deposits | 64.5974% | 4,466 |
| Net loans and leases to core deposits | 67.7023% | 4,571 |
| Total domestic deposits to total assets | 86.6131% | 3,035 |
| Equity capital to assets | 8.5863% | 5,977 |
| Core capital (leverage) ratio | 8.0086% | 6,185 |
| Tier 1 risk-based capital ratio | 12.6653% | 5,353 |
| Total risk-based capital ratio | 13.9161% | 5,294 |
| Memoranda: | ||
| Average total assets | $423,702,000 | 1,552 |
| Average earning assets | $397,981,200 | 1,516 |
| Average equity | $36,880,400 | 1,884 |
| Average total loans | $254,103,000 | 1,623 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 4,310 |
| Cost of funding earning assets | 0.3683% | 6,286 |
| Net interest margin | 3.9673% | 2,638 |
| Noninterest income to average assets | 0.8041% | 2,219 |
| Noninterest expense to average assets | 2.8030% | 3,971 |
| Loan and lease loss provision to assets | 0.3583% | 1,819 |
| Net operating income to assets | 1.3614% | 1,304 |
| Return on assets (ROA) | 1.3614% | 1,439 |
| Pretax return on assets | 1.3614% | 2,371 |
| Return on Equity (ROE) | 15.5840% | 804 |
| Retained earnings to average equity (ytd only) | -3.8131% | 6,537 |
| Net charge-offs to loans | 0.5702% | 1,908 |
| Credit loss provision to net charge-offs | 103.3058% | 2,851 |
| Earnings coverage of net charge-offs (x) | 4.9587% | 3,153 |
| Efficiency ratio | 61.9772% | 5,152 |
| Assets per employee ($millions) | 3.3418% | 5,337 |
| Cash dividends to net income (ytd only)* | 124.4678% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 4,463 |
| Loan loss allowance to noncurrent loans | 119.3448% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 3,662 |
| Noncurrent loans to loans | 1.1560% | 4,129 |
| Net loans and leases to total assets | 58.2934% | 4,086 |
| Net loans and leases to deposits | 65.8432% | 4,487 |
| Net loans and leases to core deposits | 68.6881% | 4,652 |
| Total domestic deposits to total assets | 88.5336% | 1,703 |
| Equity capital to assets | 8.6703% | 6,127 |
| Core capital (leverage) ratio | 7.7478% | 6,493 |
| Tier 1 risk-based capital ratio | 12.1127% | 5,877 |
| Total risk-based capital ratio | 13.3529% | 5,863 |
| Memoranda: | ||
| Average total assets | $418,688,750 | 1,585 |
| Average earning assets | $392,431,250 | 1,547 |
| Average equity | $36,575,000 | 1,916 |
| Average total loans | $254,637,500 | 1,640 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 4,285 |
| Cost of funding earning assets | 0.3842% | 6,358 |
| Net interest margin | 3.9900% | 2,547 |
| Noninterest income to average assets | 0.7999% | 2,179 |
| Noninterest expense to average assets | 2.8048% | 4,001 |
| Loan and lease loss provision to assets | 0.3599% | 1,837 |
| Net operating income to assets | 1.3777% | 1,238 |
| Return on assets (ROA) | 1.3777% | 1,395 |
| Pretax return on assets | 1.3777% | 2,300 |
| Return on Equity (ROE) | 15.7311% | 811 |
| Retained earnings to average equity (ytd only) | -10.5586% | 6,846 |
| Net charge-offs to loans | 0.7519% | 1,469 |
| Credit loss provision to net charge-offs | 77.9626% | 3,375 |
| Earnings coverage of net charge-offs (x) | 3.7640% | 3,276 |
| Efficiency ratio | 61.7473% | 5,290 |
| Assets per employee ($millions) | 3.3600% | 5,302 |
| Cash dividends to net income (ytd only)* | 167.1195% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 4,966 |
| Loan loss allowance to noncurrent loans | 68.4783% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.4886% | 3,469 |
| Noncurrent loans to loans | 1.8740% | 3,110 |
| Net loans and leases to total assets | 57.9220% | 4,171 |
| Net loans and leases to deposits | 65.9148% | 4,517 |
| Net loans and leases to core deposits | 68.8119% | 4,694 |
| Total domestic deposits to total assets | 87.8740% | 2,228 |
| Equity capital to assets | 8.3575% | 6,332 |
| Core capital (leverage) ratio | 7.9100% | 6,360 |
| Tier 1 risk-based capital ratio | 11.8837% | 6,003 |
| Total risk-based capital ratio | 13.0436% | 6,039 |
| Memoranda: | ||
| Average total assets | $416,783,330 | 1,595 |
| Average earning assets | $390,925,000 | 1,551 |
| Average equity | $36,501,000 | 1,909 |
| Average total loans | $255,896,330 | 1,627 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 4,055 |
| Cost of funding earning assets | 0.4050% | 6,383 |
| Net interest margin | 4.0586% | 2,265 |
| Noninterest income to average assets | 0.7518% | 2,391 |
| Noninterest expense to average assets | 2.8712% | 3,739 |
| Loan and lease loss provision to assets | 0.3642% | 1,733 |
| Net operating income to assets | 1.3220% | 1,395 |
| Return on assets (ROA) | 1.3220% | 1,561 |
| Pretax return on assets | 1.3220% | 2,455 |
| Return on Equity (ROE) | 14.7454% | 1,027 |
| Retained earnings to average equity (ytd only) | -8.2449% | 6,772 |
| Net charge-offs to loans | 0.0541% | 3,957 |
| Credit loss provision to net charge-offs | 1,071.4286% | 322 |
| Earnings coverage of net charge-offs (x) | 49.6000% | 637 |
| Efficiency ratio | 63.0009% | 5,104 |
| Assets per employee ($millions) | 3.2155% | 5,731 |
| Cash dividends to net income (ytd only)* | 155.9148% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 4,381 |
| Loan loss allowance to noncurrent loans | 71.0377% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.7322% | 3,258 |
| Noncurrent loans to loans | 2.0389% | 3,099 |
| Net loans and leases to total assets | 61.7605% | 3,302 |
| Net loans and leases to deposits | 70.1722% | 3,715 |
| Net loans and leases to core deposits | 73.6244% | 3,944 |
| Total domestic deposits to total assets | 88.0127% | 2,310 |
| Equity capital to assets | 8.8226% | 5,727 |
| Core capital (leverage) ratio | 8.2258% | 5,989 |
| Tier 1 risk-based capital ratio | 12.0364% | 5,933 |
| Total risk-based capital ratio | 13.2875% | 5,924 |
| Memoranda: | ||
| Average total assets | $411,815,500 | 1,612 |
| Average earning assets | $386,144,000 | 1,572 |
| Average equity | $36,920,000 | 1,885 |
| Average total loans | $258,656,000 | 1,617 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 3,925 |
| Cost of funding earning assets | 0.5827% | 6,172 |
| Net interest margin | 4.1927% | 2,088 |
| Noninterest income to average assets | 0.7665% | 2,254 |
| Noninterest expense to average assets | 2.9265% | 3,860 |
| Loan and lease loss provision to assets | 0.3127% | 3,168 |
| Net operating income to assets | 1.4566% | 914 |
| Return on assets (ROA) | 1.4566% | 993 |
| Pretax return on assets | 1.4566% | 1,613 |
| Return on Equity (ROE) | 16.3637% | 556 |
| Retained earnings to average equity (ytd only) | 0.9386% | 5,421 |
| Net charge-offs to loans | 0.2104% | 4,471 |
| Credit loss provision to net charge-offs | 227.2727% | 1,067 |
| Earnings coverage of net charge-offs (x) | 12.8600% | 1,589 |
| Efficiency ratio | 62.3215% | 5,407 |
| Assets per employee ($millions) | 3.1940% | 5,719 |
| Cash dividends to net income (ytd only)* | 94.2641% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 4,747 |
| Loan loss allowance to noncurrent loans | 50.8160% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 1.8409% | 3,197 |
| Noncurrent loans to loans | 2.6188% | 2,497 |
| Net loans and leases to total assets | 62.1135% | 3,584 |
| Net loans and leases to deposits | 71.8089% | 3,824 |
| Net loans and leases to core deposits | 75.9588% | 3,988 |
| Total domestic deposits to total assets | 86.4984% | 3,025 |
| Equity capital to assets | 9.1099% | 5,401 |
| Core capital (leverage) ratio | 8.5199% | 5,526 |
| Tier 1 risk-based capital ratio | 12.3133% | 5,608 |
| Total risk-based capital ratio | 13.5235% | 5,602 |
| Memoranda: | ||
| Average total assets | $399,761,800 | 1,623 |
| Average earning assets | $374,650,400 | 1,586 |
| Average equity | $35,584,800 | 1,904 |
| Average total loans | $261,401,200 | 1,610 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 3,661 |
| Cost of funding earning assets | 0.6207% | 6,180 |
| Net interest margin | 4.2536% | 1,899 |
| Noninterest income to average assets | 0.7245% | 2,456 |
| Noninterest expense to average assets | 2.9554% | 3,725 |
| Loan and lease loss provision to assets | 0.3019% | 3,113 |
| Net operating income to assets | 1.4551% | 1,038 |
| Return on assets (ROA) | 1.4551% | 1,114 |
| Pretax return on assets | 1.4551% | 1,773 |
| Return on Equity (ROE) | 16.4454% | 616 |
| Retained earnings to average equity (ytd only) | -4.3635% | 6,543 |
| Net charge-offs to loans | 0.1976% | 4,219 |
| Credit loss provision to net charge-offs | 231.3625% | 1,231 |
| Earnings coverage of net charge-offs (x) | 13.4654% | 1,616 |
| Efficiency ratio | 62.7162% | 5,289 |
| Assets per employee ($millions) | 3.0677% | 5,970 |
| Cash dividends to net income (ytd only)* | 126.5328% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 5,241 |
| Loan loss allowance to noncurrent loans | 64.6166% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.8519% | 3,326 |
| Noncurrent loans to loans | 1.9364% | 3,450 |
| Net loans and leases to total assets | 65.5522% | 2,992 |
| Net loans and leases to deposits | 74.7638% | 3,551 |
| Net loans and leases to core deposits | 78.4040% | 3,839 |
| Total domestic deposits to total assets | 87.6790% | 2,249 |
| Equity capital to assets | 9.1950% | 5,521 |
| Core capital (leverage) ratio | 8.2955% | 5,980 |
| Tier 1 risk-based capital ratio | 11.7692% | 6,058 |
| Total risk-based capital ratio | 12.9108% | 6,125 |
| Memoranda: | ||
| Average total assets | $397,494,250 | 1,645 |
| Average earning assets | $372,662,000 | 1,600 |
| Average equity | $35,170,000 | 1,921 |
| Average total loans | $262,410,250 | 1,618 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 3,936 |
| Cost of funding earning assets | 0.6582% | 6,182 |
| Net interest margin | 4.1758% | 2,137 |
| Noninterest income to average assets | 0.6878% | 2,614 |
| Noninterest expense to average assets | 2.9231% | 3,930 |
| Loan and lease loss provision to assets | 0.2999% | 3,007 |
| Net operating income to assets | 1.3841% | 1,116 |
| Return on assets (ROA) | 1.3841% | 1,186 |
| Pretax return on assets | 1.3841% | 1,845 |
| Return on Equity (ROE) | 15.8446% | 686 |
| Retained earnings to average equity (ytd only) | -7.6963% | 6,754 |
| Net charge-offs to loans | 0.0622% | 5,028 |
| Credit loss provision to net charge-offs | 731.7073% | 443 |
| Earnings coverage of net charge-offs (x) | 41.0854% | 731 |
| Efficiency ratio | 63.4480% | 5,338 |
| Assets per employee ($millions) | 3.2141% | 5,605 |
| Cash dividends to net income (ytd only)* | 148.5735% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,405 |
| Loan loss allowance to noncurrent loans | 63.6257% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.4119% | 4,099 |
| Noncurrent loans to loans | 1.9379% | 3,556 |
| Net loans and leases to total assets | 65.1797% | 3,212 |
| Net loans and leases to deposits | 74.4447% | 3,725 |
| Net loans and leases to core deposits | 79.4161% | 3,870 |
| Total domestic deposits to total assets | 87.5545% | 2,437 |
| Equity capital to assets | 8.7360% | 5,891 |
| Core capital (leverage) ratio | 8.2161% | 6,008 |
| Tier 1 risk-based capital ratio | 11.6058% | 6,087 |
| Total risk-based capital ratio | 12.7405% | 6,162 |
| Memoranda: | ||
| Average total assets | $400,124,330 | 1,642 |
| Average earning assets | $375,543,330 | 1,599 |
| Average equity | $34,952,000 | 1,912 |
| Average total loans | $263,670,330 | 1,632 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 4,180 |
| Cost of funding earning assets | 0.6902% | 6,193 |
| Net interest margin | 4.0849% | 2,324 |
| Noninterest income to average assets | 0.6236% | 3,016 |
| Noninterest expense to average assets | 2.9223% | 3,976 |
| Loan and lease loss provision to assets | 0.2993% | 2,762 |
| Net operating income to assets | 1.2402% | 1,419 |
| Return on assets (ROA) | 1.2402% | 1,475 |
| Pretax return on assets | 1.2402% | 2,228 |
| Return on Equity (ROE) | 14.1978% | 951 |
| Retained earnings to average equity (ytd only) | -5.6768% | 6,569 |
| Net charge-offs to loans | 0.1197% | 3,817 |
| Credit loss provision to net charge-offs | 379.7468% | 873 |
| Earnings coverage of net charge-offs (x) | 19.5316% | 1,137 |
| Efficiency ratio | 65.4964% | 5,125 |
| Assets per employee ($millions) | 3.1829% | 5,755 |
| Cash dividends to net income (ytd only)* | 139.9839% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 5,941 |
| Loan loss allowance to noncurrent loans | 57.0709% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.4517% | 4,088 |
| Noncurrent loans to loans | 1.9758% | 3,602 |
| Net loans and leases to total assets | 64.9248% | 3,258 |
| Net loans and leases to deposits | 74.2842% | 3,718 |
| Net loans and leases to core deposits | 78.9920% | 3,889 |
| Total domestic deposits to total assets | 87.4006% | 2,710 |
| Equity capital to assets | 8.7250% | 5,614 |
| Core capital (leverage) ratio | 8.5505% | 5,350 |
| Tier 1 risk-based capital ratio | 12.3410% | 5,408 |
| Total risk-based capital ratio | 13.4097% | 5,539 |
| Memoranda: | ||
| Average total assets | $400,913,500 | 1,649 |
| Average earning assets | $376,706,000 | 1,610 |
| Average equity | $35,019,500 | 1,895 |
| Average total loans | $263,998,500 | 1,648 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 3,067 |
| Cost of funding earning assets | 0.8276% | 6,454 |
| Net interest margin | 4.4850% | 1,258 |
| Noninterest income to average assets | 0.7849% | 2,353 |
| Noninterest expense to average assets | 2.9842% | 3,909 |
| Loan and lease loss provision to assets | 0.1824% | 5,399 |
| Net operating income to assets | 1.8087% | 410 |
| Return on assets (ROA) | 1.7915% | 459 |
| Pretax return on assets | 1.7915% | 775 |
| Return on Equity (ROE) | 19.8215% | 266 |
| Retained earnings to average equity (ytd only) | 3.8133% | 3,192 |
| Net charge-offs to loans | 0.3789% | 4,147 |
| Credit loss provision to net charge-offs | 69.1017% | 5,888 |
| Earnings coverage of net charge-offs (x) | 7.5449% | 2,114 |
| Efficiency ratio | 59.9801% | 6,051 |
| Assets per employee ($millions) | 3.2317% | 5,590 |
| Cash dividends to net income (ytd only)* | 80.7620% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 6,281 |
| Loan loss allowance to noncurrent loans | 51.9939% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 4,072 |
| Noncurrent loans to loans | 1.9649% | 3,612 |
| Net loans and leases to total assets | 65.3559% | 3,590 |
| Net loans and leases to deposits | 77.5723% | 3,581 |
| Net loans and leases to core deposits | 83.3039% | 3,701 |
| Total domestic deposits to total assets | 84.2516% | 4,244 |
| Equity capital to assets | 8.7447% | 5,519 |
| Core capital (leverage) ratio | 8.5918% | 5,208 |
| Tier 1 risk-based capital ratio | 12.3827% | 5,131 |
| Total risk-based capital ratio | 13.3604% | 5,359 |
| Memoranda: | ||
| Average total assets | $383,859,800 | 1,711 |
| Average earning assets | $358,636,400 | 1,669 |
| Average equity | $34,694,600 | 1,910 |
| Average total loans | $267,342,600 | 1,664 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 2,790 |
| Cost of funding earning assets | 0.8418% | 6,614 |
| Net interest margin | 4.5790% | 1,091 |
| Noninterest income to average assets | 0.7401% | 2,578 |
| Noninterest expense to average assets | 3.0282% | 3,651 |
| Loan and lease loss provision to assets | 0.1584% | 5,460 |
| Net operating income to assets | 1.8266% | 466 |
| Return on assets (ROA) | 1.8266% | 515 |
| Pretax return on assets | 1.8266% | 882 |
| Return on Equity (ROE) | 20.0360% | 306 |
| Retained earnings to average equity (ytd only) | -1.4052% | 6,084 |
| Net charge-offs to loans | 0.1550% | 5,073 |
| Credit loss provision to net charge-offs | 144.6945% | 2,715 |
| Earnings coverage of net charge-offs (x) | 18.1349% | 1,285 |
| Efficiency ratio | 60.4044% | 5,890 |
| Assets per employee ($millions) | 2.9829% | 6,186 |
| Cash dividends to net income (ytd only)* | 107.0135% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 5,570 |
| Loan loss allowance to noncurrent loans | 96.8598% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.2281% | 4,697 |
| Noncurrent loans to loans | 1.2224% | 4,805 |
| Net loans and leases to total assets | 69.4463% | 2,870 |
| Net loans and leases to deposits | 81.0453% | 3,255 |
| Net loans and leases to core deposits | 87.1852% | 3,492 |
| Total domestic deposits to total assets | 85.6883% | 3,247 |
| Equity capital to assets | 9.0813% | 5,473 |
| Core capital (leverage) ratio | 8.7074% | 5,172 |
| Tier 1 risk-based capital ratio | 11.7427% | 5,695 |
| Total risk-based capital ratio | 12.8792% | 5,790 |
| Memoranda: | ||
| Average total assets | $378,835,000 | 1,762 |
| Average earning assets | $353,518,000 | 1,719 |
| Average equity | $34,537,000 | 1,944 |
| Average total loans | $267,494,250 | 1,677 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 2,745 |
| Cost of funding earning assets | 0.8546% | 6,743 |
| Net interest margin | 4.5968% | 1,006 |
| Noninterest income to average assets | 0.6929% | 2,748 |
| Noninterest expense to average assets | 3.0187% | 3,640 |
| Loan and lease loss provision to assets | 0.1588% | 5,299 |
| Net operating income to assets | 1.8119% | 476 |
| Return on assets (ROA) | 1.8119% | 516 |
| Pretax return on assets | 1.8119% | 868 |
| Return on Equity (ROE) | 19.8483% | 326 |
| Retained earnings to average equity (ytd only) | -2.7659% | 6,265 |
| Net charge-offs to loans | 0.0868% | 5,271 |
| Credit loss provision to net charge-offs | 258.6207% | 1,472 |
| Earnings coverage of net charge-offs (x) | 32.0948% | 875 |
| Efficiency ratio | 60.5029% | 5,959 |
| Assets per employee ($millions) | 2.8851% | 6,385 |
| Cash dividends to net income (ytd only)* | 113.9351% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 5,482 |
| Loan loss allowance to noncurrent loans | 89.2768% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 4,770 |
| Noncurrent loans to loans | 1.3388% | 4,709 |
| Net loans and leases to total assets | 73.2662% | 2,090 |
| Net loans and leases to deposits | 86.8974% | 2,357 |
| Net loans and leases to core deposits | 92.4615% | 2,925 |
| Total domestic deposits to total assets | 84.3134% | 3,950 |
| Equity capital to assets | 9.5032% | 4,697 |
| Core capital (leverage) ratio | 8.7606% | 4,988 |
| Tier 1 risk-based capital ratio | 11.6915% | 5,592 |
| Total risk-based capital ratio | 12.8431% | 5,640 |
| Memoranda: | ||
| Average total assets | $377,844,330 | 1,776 |
| Average earning assets | $353,161,670 | 1,731 |
| Average equity | $34,491,670 | 1,936 |
| Average total loans | $267,216,330 | 1,700 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 3,340 |
| Cost of funding earning assets | 0.8759% | 6,854 |
| Net interest margin | 4.4648% | 1,221 |
| Noninterest income to average assets | 0.6504% | 2,935 |
| Noninterest expense to average assets | 3.0306% | 3,563 |
| Loan and lease loss provision to assets | 0.1558% | 4,972 |
| Net operating income to assets | 1.6426% | 694 |
| Return on assets (ROA) | 1.6426% | 741 |
| Pretax return on assets | 1.6426% | 1,179 |
| Return on Equity (ROE) | 18.3493% | 489 |
| Retained earnings to average equity (ytd only) | 1.8918% | 4,987 |
| Net charge-offs to loans | 0.0406% | 5,012 |
| Credit loss provision to net charge-offs | 555.5556% | 775 |
| Earnings coverage of net charge-offs (x) | 64.1111% | 477 |
| Efficiency ratio | 62.7582% | 5,695 |
| Assets per employee ($millions) | 2.9700% | 6,280 |
| Cash dividends to net income (ytd only)* | 89.6901% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 5,567 |
| Loan loss allowance to noncurrent loans | 81.7007% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 4,967 |
| Noncurrent loans to loans | 1.4520% | 4,566 |
| Net loans and leases to total assets | 70.3577% | 2,842 |
| Net loans and leases to deposits | 84.5374% | 2,847 |
| Net loans and leases to core deposits | 90.4763% | 3,302 |
| Total domestic deposits to total assets | 83.2267% | 4,512 |
| Equity capital to assets | 9.2784% | 4,865 |
| Core capital (leverage) ratio | 8.8747% | 4,763 |
| Tier 1 risk-based capital ratio | 11.9115% | 5,290 |
| Total risk-based capital ratio | 13.0404% | 5,348 |
| Memoranda: | ||
| Average total assets | $385,006,000 | 1,797 |
| Average earning assets | $360,328,500 | 1,740 |
| Average equity | $34,464,500 | 1,962 |
| Average total loans | $266,044,500 | 1,767 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7460% | 2,879 |
| Cost of funding earning assets | 1.2807% | 6,374 |
| Net interest margin | 4.4652% | 1,255 |
| Noninterest income to average assets | 0.8905% | 1,983 |
| Noninterest expense to average assets | 3.1814% | 3,438 |
| Loan and lease loss provision to assets | 0.1330% | 6,308 |
| Net operating income to assets | 1.7391% | 407 |
| Return on assets (ROA) | 1.7391% | 435 |
| Pretax return on assets | 1.7391% | 717 |
| Return on Equity (ROE) | 18.7360% | 319 |
| Retained earnings to average equity (ytd only) | 0.7661% | 4,474 |
| Net charge-offs to loans | 0.0868% | 6,253 |
| Credit loss provision to net charge-offs | 203.8627% | 1,898 |
| Earnings coverage of net charge-offs (x) | 28.6996% | 796 |
| Efficiency ratio | 62.4065% | 6,073 |
| Assets per employee ($millions) | 3.1663% | 5,800 |
| Cash dividends to net income (ytd only)* | 95.9111% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 5,671 |
| Loan loss allowance to noncurrent loans | 75.9690% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 4,962 |
| Noncurrent loans to loans | 1.5055% | 4,404 |
| Net loans and leases to total assets | 66.3473% | 4,068 |
| Net loans and leases to deposits | 78.9251% | 4,186 |
| Net loans and leases to core deposits | 89.9291% | 5,135 |
| Total domestic deposits to total assets | 84.0637% | 4,000 |
| Equity capital to assets | 8.6428% | 5,673 |
| Core capital (leverage) ratio | 8.8264% | 4,729 |
| Tier 1 risk-based capital ratio | 11.7714% | 5,131 |
| Total risk-based capital ratio | 12.8489% | 5,253 |
| Memoranda: | ||
| Average total assets | $357,199,800 | 1,901 |
| Average earning assets | $333,016,800 | 1,865 |
| Average equity | $33,155,400 | 2,022 |
| Average total loans | $268,317,600 | 1,787 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9046% | 2,431 |
| Cost of funding earning assets | 1.3653% | 6,351 |
| Net interest margin | 4.5393% | 1,095 |
| Noninterest income to average assets | 0.9383% | 1,824 |
| Noninterest expense to average assets | 3.2953% | 2,936 |
| Loan and lease loss provision to assets | 0.1247% | 6,107 |
| Net operating income to assets | 1.7478% | 507 |
| Return on assets (ROA) | 1.7478% | 532 |
| Pretax return on assets | 1.7478% | 883 |
| Return on Equity (ROE) | 18.4678% | 409 |
| Retained earnings to average equity (ytd only) | -5.6830% | 6,349 |
| Net charge-offs to loans | 0.0625% | 6,078 |
| Credit loss provision to net charge-offs | 257.9365% | 1,659 |
| Earnings coverage of net charge-offs (x) | 38.7371% | 768 |
| Efficiency ratio | 63.2173% | 5,887 |
| Assets per employee ($millions) | 2.8331% | 6,574 |
| Cash dividends to net income (ytd only)* | 130.7727% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 5,525 |
| Loan loss allowance to noncurrent loans | 80.8585% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 4,855 |
| Noncurrent loans to loans | 1.3998% | 4,573 |
| Net loans and leases to total assets | 72.7095% | 2,855 |
| Net loans and leases to deposits | 88.5096% | 2,865 |
| Net loans and leases to core deposits | 102.5435% | 4,101 |
| Total domestic deposits to total assets | 82.1487% | 4,616 |
| Equity capital to assets | 9.1941% | 5,177 |
| Core capital (leverage) ratio | 8.8464% | 4,898 |
| Tier 1 risk-based capital ratio | 11.5337% | 5,399 |
| Total risk-based capital ratio | 12.6301% | 5,498 |
| Memoranda: | ||
| Average total assets | $347,553,000 | 1,972 |
| Average earning assets | $323,829,750 | 1,941 |
| Average equity | $32,892,500 | 2,058 |
| Average total loans | $268,989,000 | 1,804 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0207% | 2,101 |
| Cost of funding earning assets | 1.4015% | 6,474 |
| Net interest margin | 4.6191% | 920 |
| Noninterest income to average assets | 0.9625% | 1,721 |
| Noninterest expense to average assets | 3.3756% | 2,701 |
| Loan and lease loss provision to assets | 0.1456% | 5,617 |
| Net operating income to assets | 1.7364% | 527 |
| Return on assets (ROA) | 1.7364% | 570 |
| Pretax return on assets | 1.7364% | 958 |
| Return on Equity (ROE) | 18.1665% | 481 |
| Retained earnings to average equity (ytd only) | -13.2685% | 7,133 |
| Net charge-offs to loans | 0.0451% | 5,837 |
| Credit loss provision to net charge-offs | 409.8361% | 1,131 |
| Earnings coverage of net charge-offs (x) | 52.9836% | 662 |
| Efficiency ratio | 63.6615% | 5,971 |
| Assets per employee ($millions) | 2.7297% | 6,776 |
| Cash dividends to net income (ytd only)* | 173.0382% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,582 |
| Loan loss allowance to noncurrent loans | 95.7038% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 5,184 |
| Noncurrent loans to loans | 1.1524% | 4,911 |
| Net loans and leases to total assets | 77.2083% | 1,910 |
| Net loans and leases to deposits | 90.7743% | 2,701 |
| Net loans and leases to core deposits | 106.1600% | 3,819 |
| Total domestic deposits to total assets | 85.0552% | 3,237 |
| Equity capital to assets | 9.2105% | 5,000 |
| Core capital (leverage) ratio | 8.9017% | 4,780 |
| Tier 1 risk-based capital ratio | 11.4507% | 5,442 |
| Total risk-based capital ratio | 12.5639% | 5,481 |
| Memoranda: | ||
| Average total assets | $343,468,670 | 2,013 |
| Average earning assets | $319,367,330 | 1,990 |
| Average equity | $32,829,670 | 2,071 |
| Average total loans | $270,449,330 | 1,820 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0636% | 2,097 |
| Cost of funding earning assets | 1.4078% | 6,704 |
| Net interest margin | 4.6558% | 852 |
| Noninterest income to average assets | 0.9559% | 1,616 |
| Noninterest expense to average assets | 3.3569% | 2,479 |
| Loan and lease loss provision to assets | 0.1755% | 4,708 |
| Net operating income to assets | 1.7457% | 588 |
| Return on assets (ROA) | 1.7457% | 642 |
| Pretax return on assets | 1.7457% | 1,087 |
| Return on Equity (ROE) | 17.9330% | 592 |
| Retained earnings to average equity (ytd only) | -15.8536% | 7,487 |
| Net charge-offs to loans | 0.0296% | 5,109 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 82.1000% | 512 |
| Efficiency ratio | 63.0459% | 5,864 |
| Assets per employee ($millions) | 2.6137% | 7,061 |
| Cash dividends to net income (ytd only)* | 188.4048% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 5,582 |
| Loan loss allowance to noncurrent loans | 92.4779% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 4,860 |
| Noncurrent loans to loans | 1.1733% | 4,633 |
| Net loans and leases to total assets | 78.5050% | 1,697 |
| Net loans and leases to deposits | 93.7628% | 2,311 |
| Net loans and leases to core deposits | 109.6896% | 3,476 |
| Total domestic deposits to total assets | 83.7272% | 3,830 |
| Equity capital to assets | 9.6525% | 4,451 |
| Core capital (leverage) ratio | 9.2257% | 4,370 |
| Tier 1 risk-based capital ratio | 11.5636% | 5,348 |
| Total risk-based capital ratio | 12.6362% | 5,418 |
| Memoranda: | ||
| Average total assets | $341,868,000 | 2,029 |
| Average earning assets | $317,369,500 | 2,007 |
| Average equity | $33,279,500 | 2,037 |
| Average total loans | $270,352,500 | 1,834 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6929% | 2,053 |
| Cost of funding earning assets | 1.7715% | 7,084 |
| Net interest margin | 4.9215% | 611 |
| Noninterest income to average assets | 0.8983% | 1,963 |
| Noninterest expense to average assets | 3.2413% | 3,179 |
| Loan and lease loss provision to assets | 0.1823% | 5,072 |
| Net operating income to assets | 1.9771% | 374 |
| Return on assets (ROA) | 1.9978% | 337 |
| Pretax return on assets | 1.9978% | 607 |
| Return on Equity (ROE) | 20.0756% | 368 |
| Retained earnings to average equity (ytd only) | -2.0583% | 5,884 |
| Net charge-offs to loans | 0.0783% | 5,646 |
| Credit loss provision to net charge-offs | 309.2784% | 1,459 |
| Earnings coverage of net charge-offs (x) | 36.6289% | 1,007 |
| Efficiency ratio | 59.4531% | 6,443 |
| Assets per employee ($millions) | 2.7083% | 6,766 |
| Cash dividends to net income (ytd only)* | 110.2525% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 5,762 |
| Loan loss allowance to noncurrent loans | 617.2185% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 7,060 |
| Noncurrent loans to loans | 0.1671% | 6,896 |
| Net loans and leases to total assets | 77.9864% | 2,140 |
| Net loans and leases to deposits | 93.9980% | 2,757 |
| Net loans and leases to core deposits | 106.8838% | 4,095 |
| Total domestic deposits to total assets | 82.9660% | 3,785 |
| Equity capital to assets | 9.8157% | 4,272 |
| Core capital (leverage) ratio | 9.7679% | 3,687 |
| Tier 1 risk-based capital ratio | 11.8894% | 4,906 |
| Total risk-based capital ratio | 12.8988% | 4,996 |
| Memoranda: | ||
| Average total assets | $329,068,800 | 2,030 |
| Average earning assets | $301,048,600 | 2,028 |
| Average equity | $32,746,200 | 2,070 |
| Average total loans | $247,760,600 | 1,917 |