Home > WinFirst Bank > Performance and Condition Ratios
WinFirst Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,645 |
| Cost of funding earning assets | 1.2222% | 343 |
| Net interest margin | 3.2494% | 3,337 |
| Noninterest income to average assets | 0.1215% | 4,680 |
| Noninterest expense to average assets | 1.7493% | 4,565 |
| Loan and lease loss provision to assets | 0.1351% | 2,665 |
| Net operating income to assets | 1.2938% | 1,368 |
| Return on assets (ROA) | 1.3109% | 1,421 |
| Pretax return on assets | 1.3109% | 2,007 |
| Return on Equity (ROE) | 10.0546% | 2,000 |
| Retained earnings to average equity (ytd only) | 2.5275% | 3,725 |
| Net charge-offs to loans | 0.0172% | 2,525 |
| Credit loss provision to net charge-offs | 937.5000% | 874 |
| Earnings coverage of net charge-offs (x) | 99.1875% | 796 |
| Efficiency ratio | 55.0425% | 4,034 |
| Assets per employee ($millions) | 8.1024% | 962 |
| Cash dividends to net income (ytd only)* | 74.8626% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,732 |
| Loan loss allowance to noncurrent loans | 103.3585% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 1,180 |
| Noncurrent loans to loans | 0.9617% | 1,564 |
| Net loans and leases to total assets | 84.0748% | 271 |
| Net loans and leases to deposits | 122.4197% | 95 |
| Net loans and leases to core deposits | 141.5602% | 157 |
| Total domestic deposits to total assets | 68.6775% | 4,798 |
| Equity capital to assets | 13.3650% | 1,045 |
| Core capital (leverage) ratio | 13.5421% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,091,500 | 3,415 |
| Average earning assets | $139,305,000 | 3,377 |
| Average equity | $19,307,500 | 3,251 |
| Average total loans | $123,988,000 | 2,944 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4968% | 1,926 |
| Cost of funding earning assets | 1.2738% | 397 |
| Net interest margin | 3.2230% | 3,598 |
| Noninterest income to average assets | 0.1008% | 4,779 |
| Noninterest expense to average assets | 1.7522% | 4,624 |
| Loan and lease loss provision to assets | 0.1344% | 2,665 |
| Net operating income to assets | 1.2470% | 1,503 |
| Return on assets (ROA) | 1.2725% | 1,549 |
| Pretax return on assets | 1.2725% | 2,123 |
| Return on Equity (ROE) | 9.8410% | 2,032 |
| Retained earnings to average equity (ytd only) | 1.8393% | 3,813 |
| Net charge-offs to loans | 0.0145% | 2,459 |
| Credit loss provision to net charge-offs | 1,111.1111% | 735 |
| Earnings coverage of net charge-offs (x) | 114.2222% | 649 |
| Efficiency ratio | 55.9177% | 3,957 |
| Assets per employee ($millions) | 7.9834% | 975 |
| Cash dividends to net income (ytd only)* | 81.3094% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 3,873 |
| Loan loss allowance to noncurrent loans | 92.2360% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9783% | 1,233 |
| Noncurrent loans to loans | 1.0101% | 1,534 |
| Net loans and leases to total assets | 83.2785% | 312 |
| Net loans and leases to deposits | 129.7756% | 52 |
| Net loans and leases to core deposits | 148.8003% | 111 |
| Total domestic deposits to total assets | 64.1711% | 4,912 |
| Equity capital to assets | 12.7303% | 1,265 |
| Core capital (leverage) ratio | 13.4151% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,840,667 | 3,378 |
| Average earning assets | $140,056,000 | 3,345 |
| Average equity | $19,246,000 | 3,251 |
| Average total loans | $124,034,333 | 2,929 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 2,316 |
| Cost of funding earning assets | 1.3315% | 512 |
| Net interest margin | 3.1662% | 3,944 |
| Noninterest income to average assets | 0.1058% | 4,799 |
| Noninterest expense to average assets | 1.7366% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3567% | 1,088 |
| Return on assets (ROA) | 1.4082% | 1,039 |
| Pretax return on assets | 1.4082% | 1,536 |
| Return on Equity (ROE) | 10.8046% | 1,469 |
| Retained earnings to average equity (ytd only) | 2.7896% | 3,162 |
| Net charge-offs to loans | 0.0294% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 55.5556% | 838 |
| Efficiency ratio | 56.1404% | 4,198 |
| Assets per employee ($millions) | 7.6555% | 844 |
| Cash dividends to net income (ytd only)* | 74.1811% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 4,158 |
| Loan loss allowance to noncurrent loans | 94.3625% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 1,434 |
| Noncurrent loans to loans | 0.9409% | 1,750 |
| Net loans and leases to total assets | 83.4952% | 303 |
| Net loans and leases to deposits | 129.5528% | 39 |
| Net loans and leases to core deposits | 148.9118% | 119 |
| Total domestic deposits to total assets | 64.4488% | 4,986 |
| Equity capital to assets | 13.2563% | 1,319 |
| Core capital (leverage) ratio | 13.7294% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,418,500 | 3,359 |
| Average earning assets | $139,092,500 | 3,323 |
| Average equity | $19,214,000 | 3,254 |
| Average total loans | $122,297,000 | 2,928 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 2,578 |
| Cost of funding earning assets | 1.3660% | 623 |
| Net interest margin | 3.2417% | 4,102 |
| Noninterest income to average assets | 0.1172% | 4,872 |
| Noninterest expense to average assets | 1.9663% | 4,587 |
| Loan and lease loss provision to assets | -0.0028% | 4,911 |
| Net operating income to assets | 1.2136% | 2,009 |
| Return on assets (ROA) | 1.2003% | 2,155 |
| Pretax return on assets | 1.2003% | 2,844 |
| Return on Equity (ROE) | 9.0851% | 2,714 |
| Retained earnings to average equity (ytd only) | 2.6018% | 3,733 |
| Net charge-offs to loans | 0.0034% | 3,558 |
| Credit loss provision to net charge-offs | -100.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | 431.5000% | 214 |
| Efficiency ratio | 61.8900% | 3,397 |
| Assets per employee ($millions) | 8.2990% | 640 |
| Cash dividends to net income (ytd only)* | 71.3618% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 3,964 |
| Loan loss allowance to noncurrent loans | 103.7843% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 1,536 |
| Noncurrent loans to loans | 0.8660% | 1,775 |
| Net loans and leases to total assets | 80.9743% | 669 |
| Net loans and leases to deposits | 126.0089% | 57 |
| Net loans and leases to core deposits | 144.2708% | 151 |
| Total domestic deposits to total assets | 64.2608% | 5,048 |
| Equity capital to assets | 12.8168% | 1,632 |
| Core capital (leverage) ratio | 13.5395% | 1,041 |
| Tier 1 risk-based capital ratio | 20.0962% | 1,316 |
| Total risk-based capital ratio | 21.2511% | 1,300 |
| Memoranda: | ||
| Average total assets | $142,548,800 | 3,402 |
| Average earning assets | $134,557,400 | 3,358 |
| Average equity | $18,833,000 | 3,243 |
| Average total loans | $117,391,400 | 2,972 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 2,699 |
| Cost of funding earning assets | 1.3554% | 666 |
| Net interest margin | 3.2520% | 4,182 |
| Noninterest income to average assets | 0.1212% | 4,914 |
| Noninterest expense to average assets | 2.0420% | 4,472 |
| Loan and lease loss provision to assets | -0.0038% | 5,038 |
| Net operating income to assets | 1.1493% | 2,370 |
| Return on assets (ROA) | 1.1313% | 2,537 |
| Pretax return on assets | 1.1313% | 3,200 |
| Return on Equity (ROE) | 8.4954% | 3,112 |
| Retained earnings to average equity (ytd only) | 1.4574% | 4,448 |
| Net charge-offs to loans | 0.0011% | 3,415 |
| Credit loss provision to net charge-offs | -400.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | 1,213.0000% | 66 |
| Efficiency ratio | 64.0630% | 2,999 |
| Assets per employee ($millions) | 7.5679% | 822 |
| Cash dividends to net income (ytd only)* | 82.8456% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 3,960 |
| Loan loss allowance to noncurrent loans | 95.3206% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 1,438 |
| Noncurrent loans to loans | 0.9664% | 1,660 |
| Net loans and leases to total assets | 82.2833% | 533 |
| Net loans and leases to deposits | 123.3126% | 75 |
| Net loans and leases to core deposits | 139.9759% | 184 |
| Total domestic deposits to total assets | 66.7274% | 5,087 |
| Equity capital to assets | 13.1190% | 1,555 |
| Core capital (leverage) ratio | 13.9606% | 996 |
| Tier 1 risk-based capital ratio | 21.2074% | 1,172 |
| Total risk-based capital ratio | 22.4480% | 1,150 |
| Memoranda: | ||
| Average total assets | $140,840,500 | 3,460 |
| Average earning assets | $132,799,000 | 3,416 |
| Average equity | $18,754,750 | 3,276 |
| Average total loans | $116,224,750 | 3,014 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 2,724 |
| Cost of funding earning assets | 1.3470% | 650 |
| Net interest margin | 3.2379% | 4,272 |
| Noninterest income to average assets | 0.1273% | 4,938 |
| Noninterest expense to average assets | 1.9205% | 4,723 |
| Loan and lease loss provision to assets | -0.0043% | 5,103 |
| Net operating income to assets | 1.2670% | 1,887 |
| Return on assets (ROA) | 1.2670% | 1,953 |
| Pretax return on assets | 1.2670% | 2,687 |
| Return on Equity (ROE) | 9.4667% | 2,651 |
| Retained earnings to average equity (ytd only) | 2.5750% | 3,907 |
| Net charge-offs to loans | -0.0052% | 4,132 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3324% | 3,675 |
| Assets per employee ($millions) | 6.8390% | 1,071 |
| Cash dividends to net income (ytd only)* | 72.7991% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 3,803 |
| Loan loss allowance to noncurrent loans | 114.6266% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 1,944 |
| Noncurrent loans to loans | 0.8416% | 1,915 |
| Net loans and leases to total assets | 82.9360% | 481 |
| Net loans and leases to deposits | 120.2793% | 87 |
| Net loans and leases to core deposits | 136.3728% | 231 |
| Total domestic deposits to total assets | 68.9528% | 5,075 |
| Equity capital to assets | 13.7996% | 1,199 |
| Core capital (leverage) ratio | 14.0605% | 944 |
| Tier 1 risk-based capital ratio | 21.6918% | 1,093 |
| Total risk-based capital ratio | 22.9411% | 1,070 |
| Memoranda: | ||
| Average total assets | $139,857,000 | 3,493 |
| Average earning assets | $131,999,330 | 3,445 |
| Average equity | $18,718,330 | 3,280 |
| Average total loans | $115,161,000 | 3,049 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 2,696 |
| Cost of funding earning assets | 1.3038% | 656 |
| Net interest margin | 3.2461% | 4,290 |
| Noninterest income to average assets | 0.1216% | 5,009 |
| Noninterest expense to average assets | 2.0001% | 4,642 |
| Loan and lease loss provision to assets | -0.0057% | 5,198 |
| Net operating income to assets | 1.1910% | 2,095 |
| Return on assets (ROA) | 1.1910% | 2,142 |
| Pretax return on assets | 1.1910% | 2,841 |
| Return on Equity (ROE) | 9.0343% | 2,795 |
| Retained earnings to average equity (ytd only) | 1.6309% | 4,159 |
| Net charge-offs to loans | -0.0069% | 4,108 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7886% | 3,412 |
| Assets per employee ($millions) | 7.2450% | 898 |
| Cash dividends to net income (ytd only)* | 81.9477% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 3,962 |
| Loan loss allowance to noncurrent loans | 229.2531% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 3,203 |
| Noncurrent loans to loans | 0.4145% | 3,102 |
| Net loans and leases to total assets | 83.6650% | 403 |
| Net loans and leases to deposits | 122.4499% | 71 |
| Net loans and leases to core deposits | 138.5242% | 199 |
| Total domestic deposits to total assets | 68.3259% | 5,165 |
| Equity capital to assets | 13.5818% | 1,182 |
| Core capital (leverage) ratio | 13.9136% | 977 |
| Tier 1 risk-based capital ratio | 21.4731% | 1,112 |
| Total risk-based capital ratio | 22.7227% | 1,092 |
| Memoranda: | ||
| Average total assets | $141,396,000 | 3,514 |
| Average earning assets | $133,452,000 | 3,463 |
| Average equity | $18,640,000 | 3,298 |
| Average total loans | $115,469,500 | 3,069 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 2,782 |
| Cost of funding earning assets | 1.0456% | 623 |
| Net interest margin | 3.3487% | 4,132 |
| Noninterest income to average assets | 0.1539% | 4,948 |
| Noninterest expense to average assets | 2.0395% | 4,682 |
| Loan and lease loss provision to assets | -0.0150% | 5,120 |
| Net operating income to assets | 1.2813% | 1,872 |
| Return on assets (ROA) | 1.2813% | 1,869 |
| Pretax return on assets | 1.2813% | 2,574 |
| Return on Equity (ROE) | 9.7547% | 2,620 |
| Retained earnings to average equity (ytd only) | 2.2678% | 4,248 |
| Net charge-offs to loans | 0.0576% | 2,316 |
| Credit loss provision to net charge-offs | -31.8182% | 4,309 |
| Earnings coverage of net charge-offs (x) | 26.9242% | 1,708 |
| Efficiency ratio | 61.6943% | 3,586 |
| Assets per employee ($millions) | 7.2569% | 880 |
| Cash dividends to net income (ytd only)* | 76.7519% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,893 |
| Loan loss allowance to noncurrent loans | 161.3139% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 2,674 |
| Noncurrent loans to loans | 0.5974% | 2,491 |
| Net loans and leases to total assets | 78.2433% | 1,237 |
| Net loans and leases to deposits | 122.0262% | 85 |
| Net loans and leases to core deposits | 138.4034% | 211 |
| Total domestic deposits to total assets | 64.1201% | 5,272 |
| Equity capital to assets | 12.8045% | 1,432 |
| Core capital (leverage) ratio | 13.8003% | 980 |
| Tier 1 risk-based capital ratio | 21.8334% | 1,051 |
| Total risk-based capital ratio | 23.0836% | 1,036 |
| Memoranda: | ||
| Average total assets | $140,331,400 | 3,499 |
| Average earning assets | $132,081,600 | 3,467 |
| Average equity | $18,432,200 | 3,249 |
| Average total loans | $114,645,200 | 3,066 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 2,643 |
| Cost of funding earning assets | 0.9775% | 649 |
| Net interest margin | 3.4176% | 3,955 |
| Noninterest income to average assets | 0.1552% | 5,000 |
| Noninterest expense to average assets | 2.1054% | 4,538 |
| Loan and lease loss provision to assets | -0.0182% | 5,232 |
| Net operating income to assets | 1.2813% | 1,922 |
| Return on assets (ROA) | 1.2813% | 1,922 |
| Pretax return on assets | 1.2813% | 2,692 |
| Return on Equity (ROE) | 9.6912% | 2,756 |
| Retained earnings to average equity (ytd only) | 2.1891% | 4,511 |
| Net charge-offs to loans | 0.0442% | 2,213 |
| Credit loss provision to net charge-offs | -50.0000% | 4,161 |
| Earnings coverage of net charge-offs (x) | 34.6811% | 1,473 |
| Efficiency ratio | 62.5036% | 3,429 |
| Assets per employee ($millions) | 6.6848% | 1,094 |
| Cash dividends to net income (ytd only)* | 77.4125% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,903 |
| Loan loss allowance to noncurrent loans | 138.4146% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 2,102 |
| Noncurrent loans to loans | 0.7068% | 2,308 |
| Net loans and leases to total assets | 85.9240% | 269 |
| Net loans and leases to deposits | 124.9424% | 73 |
| Net loans and leases to core deposits | 142.2291% | 194 |
| Total domestic deposits to total assets | 68.7709% | 5,264 |
| Equity capital to assets | 13.7962% | 1,022 |
| Core capital (leverage) ratio | 13.9464% | 951 |
| Tier 1 risk-based capital ratio | 21.8284% | 1,071 |
| Total risk-based capital ratio | 23.0791% | 1,051 |
| Memoranda: | ||
| Average total assets | $139,130,000 | 3,553 |
| Average earning assets | $130,810,250 | 3,518 |
| Average equity | $18,394,250 | 3,272 |
| Average total loans | $114,640,250 | 3,086 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 2,778 |
| Cost of funding earning assets | 0.9093% | 710 |
| Net interest margin | 3.3849% | 3,998 |
| Noninterest income to average assets | 0.1348% | 5,136 |
| Noninterest expense to average assets | 2.0945% | 4,622 |
| Loan and lease loss provision to assets | -0.0213% | 5,328 |
| Net operating income to assets | 1.2417% | 2,022 |
| Return on assets (ROA) | 1.2417% | 2,017 |
| Pretax return on assets | 1.2417% | 2,762 |
| Return on Equity (ROE) | 9.5226% | 2,788 |
| Retained earnings to average equity (ytd only) | 5.3327% | 2,919 |
| Net charge-offs to loans | 0.0736% | 1,597 |
| Credit loss provision to net charge-offs | -35.7143% | 3,988 |
| Earnings coverage of net charge-offs (x) | 20.4762% | 1,809 |
| Efficiency ratio | 63.1849% | 3,438 |
| Assets per employee ($millions) | 6.9830% | 925 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 3,974 |
| Loan loss allowance to noncurrent loans | 110.5161% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 1,229 |
| Noncurrent loans to loans | 0.8839% | 1,959 |
| Net loans and leases to total assets | 82.3801% | 668 |
| Net loans and leases to deposits | 120.8644% | 96 |
| Net loans and leases to core deposits | 138.1740% | 214 |
| Total domestic deposits to total assets | 68.1591% | 5,332 |
| Equity capital to assets | 13.3617% | 1,155 |
| Core capital (leverage) ratio | 14.2018% | 850 |
| Tier 1 risk-based capital ratio | 21.9567% | 1,039 |
| Total risk-based capital ratio | 23.2068% | 1,022 |
| Memoranda: | ||
| Average total assets | $140,941,330 | 3,556 |
| Average earning assets | $132,412,670 | 3,523 |
| Average equity | $18,377,330 | 3,290 |
| Average total loans | $114,183,000 | 3,106 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,720 |
| Cost of funding earning assets | 0.8933% | 616 |
| Net interest margin | 3.3537% | 4,040 |
| Noninterest income to average assets | 0.1413% | 5,162 |
| Noninterest expense to average assets | 2.1472% | 4,539 |
| Loan and lease loss provision to assets | -0.0311% | 5,441 |
| Net operating income to assets | 1.1753% | 2,113 |
| Return on assets (ROA) | 1.1753% | 2,122 |
| Pretax return on assets | 1.1753% | 2,867 |
| Return on Equity (ROE) | 9.1251% | 2,845 |
| Retained earnings to average equity (ytd only) | 0.6800% | 4,695 |
| Net charge-offs to loans | 0.0318% | 1,861 |
| Credit loss provision to net charge-offs | -122.2222% | 3,722 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 995 |
| Efficiency ratio | 65.2361% | 3,288 |
| Assets per employee ($millions) | 7.0075% | 958 |
| Cash dividends to net income (ytd only)* | 92.5481% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,774 |
| Loan loss allowance to noncurrent loans | 135.0230% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 1,407 |
| Noncurrent loans to loans | 0.7634% | 2,291 |
| Net loans and leases to total assets | 84.5210% | 387 |
| Net loans and leases to deposits | 115.0103% | 168 |
| Net loans and leases to core deposits | 131.1421% | 318 |
| Total domestic deposits to total assets | 73.4900% | 5,195 |
| Equity capital to assets | 13.6861% | 983 |
| Core capital (leverage) ratio | 13.4791% | 1,015 |
| Tier 1 risk-based capital ratio | 22.4518% | 997 |
| Total risk-based capital ratio | 23.7031% | 976 |
| Memoranda: | ||
| Average total assets | $141,582,000 | 3,581 |
| Average earning assets | $132,986,000 | 3,548 |
| Average equity | $18,235,500 | 3,335 |
| Average total loans | $113,181,000 | 3,141 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 2,711 |
| Cost of funding earning assets | 0.9147% | 348 |
| Net interest margin | 3.2777% | 4,221 |
| Noninterest income to average assets | 0.1295% | 5,296 |
| Noninterest expense to average assets | 1.9590% | 5,024 |
| Loan and lease loss provision to assets | -0.1330% | 5,524 |
| Net operating income to assets | 1.3984% | 1,022 |
| Return on assets (ROA) | 1.3207% | 1,197 |
| Pretax return on assets | 1.3207% | 2,279 |
| Return on Equity (ROE) | 10.5333% | 1,663 |
| Retained earnings to average equity (ytd only) | 3.1371% | 3,415 |
| Net charge-offs to loans | 0.0191% | 3,465 |
| Credit loss provision to net charge-offs | -863.6364% | 5,043 |
| Earnings coverage of net charge-offs (x) | 82.1818% | 754 |
| Efficiency ratio | 60.7554% | 4,148 |
| Assets per employee ($millions) | 7.5011% | 769 |
| Cash dividends to net income (ytd only)* | 70.2173% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,573 |
| Loan loss allowance to noncurrent loans | 100.1681% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 1,351 |
| Noncurrent loans to loans | 1.0563% | 1,679 |
| Net loans and leases to total assets | 74.2991% | 1,872 |
| Net loans and leases to deposits | 111.6940% | 227 |
| Net loans and leases to core deposits | 127.7009% | 398 |
| Total domestic deposits to total assets | 66.5202% | 5,507 |
| Equity capital to assets | 12.1642% | 1,726 |
| Core capital (leverage) ratio | 13.2317% | 1,065 |
| Tier 1 risk-based capital ratio | 22.5576% | 954 |
| Total risk-based capital ratio | 23.8095% | 937 |
| Memoranda: | ||
| Average total assets | $142,880,400 | 3,567 |
| Average earning assets | $134,910,800 | 3,528 |
| Average equity | $17,914,600 | 3,378 |
| Average total loans | $115,132,000 | 3,119 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 2,436 |
| Cost of funding earning assets | 0.9412% | 273 |
| Net interest margin | 3.3084% | 4,144 |
| Noninterest income to average assets | 0.1314% | 5,349 |
| Noninterest expense to average assets | 1.9769% | 5,004 |
| Loan and lease loss provision to assets | -0.0142% | 5,467 |
| Net operating income to assets | 1.2908% | 1,371 |
| Return on assets (ROA) | 1.2908% | 1,400 |
| Pretax return on assets | 1.2908% | 2,534 |
| Return on Equity (ROE) | 10.2142% | 2,031 |
| Retained earnings to average equity (ytd only) | 2.8115% | 4,228 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7610% | 4,080 |
| Assets per employee ($millions) | 7.6655% | 711 |
| Cash dividends to net income (ytd only)* | 72.4745% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 2,853 |
| Loan loss allowance to noncurrent loans | 107.1759% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.2524% | 1,297 |
| Noncurrent loans to loans | 1.1317% | 1,701 |
| Net loans and leases to total assets | 81.9915% | 690 |
| Net loans and leases to deposits | 113.8918% | 185 |
| Net loans and leases to core deposits | 124.2174% | 457 |
| Total domestic deposits to total assets | 71.9907% | 5,380 |
| Equity capital to assets | 13.0578% | 1,355 |
| Core capital (leverage) ratio | 13.4047% | 1,058 |
| Tier 1 risk-based capital ratio | 21.6547% | 1,091 |
| Total risk-based capital ratio | 22.9099% | 1,071 |
| Memoranda: | ||
| Average total assets | $141,095,000 | 3,632 |
| Average earning assets | $133,153,250 | 3,588 |
| Average equity | $17,831,000 | 3,420 |
| Average total loans | $115,750,750 | 3,140 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 2,355 |
| Cost of funding earning assets | 0.9701% | 198 |
| Net interest margin | 3.2603% | 4,239 |
| Noninterest income to average assets | 0.1407% | 5,351 |
| Noninterest expense to average assets | 1.9418% | 5,101 |
| Loan and lease loss provision to assets | -0.0127% | 5,550 |
| Net operating income to assets | 1.2903% | 1,321 |
| Return on assets (ROA) | 1.2903% | 1,345 |
| Pretax return on assets | 1.2903% | 2,424 |
| Return on Equity (ROE) | 10.3213% | 1,905 |
| Retained earnings to average equity (ytd only) | 3.1741% | 3,824 |
| Net charge-offs to loans | 0.0086% | 3,151 |
| Credit loss provision to net charge-offs | -180.0000% | 4,449 |
| Earnings coverage of net charge-offs (x) | 181.6000% | 441 |
| Efficiency ratio | 60.3147% | 4,273 |
| Assets per employee ($millions) | 6.6252% | 1,083 |
| Cash dividends to net income (ytd only)* | 69.2475% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,867 |
| Loan loss allowance to noncurrent loans | 101.9809% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 1,287 |
| Noncurrent loans to loans | 1.2008% | 1,622 |
| Net loans and leases to total assets | 80.5849% | 868 |
| Net loans and leases to deposits | 116.0764% | 153 |
| Net loans and leases to core deposits | 125.3530% | 409 |
| Total domestic deposits to total assets | 69.4241% | 5,558 |
| Equity capital to assets | 12.8866% | 1,425 |
| Core capital (leverage) ratio | 12.9953% | 1,177 |
| Tier 1 risk-based capital ratio | 22.1857% | 1,027 |
| Total risk-based capital ratio | 23.4413% | 1,008 |
| Memoranda: | ||
| Average total assets | $142,133,670 | 3,632 |
| Average earning assets | $134,219,670 | 3,590 |
| Average equity | $17,769,000 | 3,437 |
| Average total loans | $116,161,000 | 3,142 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,202 |
| Cost of funding earning assets | 0.9569% | 208 |
| Net interest margin | 3.2652% | 4,124 |
| Noninterest income to average assets | 0.1754% | 5,225 |
| Noninterest expense to average assets | 1.9772% | 5,101 |
| Loan and lease loss provision to assets | -0.0111% | 5,662 |
| Net operating income to assets | 1.2977% | 1,250 |
| Return on assets (ROA) | 1.2977% | 1,282 |
| Pretax return on assets | 1.2977% | 2,242 |
| Return on Equity (ROE) | 10.5376% | 1,722 |
| Retained earnings to average equity (ytd only) | 3.5276% | 3,678 |
| Net charge-offs to loans | -0.0136% | 4,547 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5802% | 4,391 |
| Assets per employee ($millions) | 7.1179% | 893 |
| Cash dividends to net income (ytd only)* | 66.5236% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 3,213 |
| Loan loss allowance to noncurrent loans | 138.7352% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 1,798 |
| Noncurrent loans to loans | 0.8560% | 2,319 |
| Net loans and leases to total assets | 82.0662% | 558 |
| Net loans and leases to deposits | 120.1578% | 87 |
| Net loans and leases to core deposits | 130.1128% | 263 |
| Total domestic deposits to total assets | 68.2987% | 5,673 |
| Equity capital to assets | 12.4848% | 1,544 |
| Core capital (leverage) ratio | 12.7965% | 1,217 |
| Tier 1 risk-based capital ratio | 21.4709% | 1,154 |
| Total risk-based capital ratio | 22.7261% | 1,133 |
| Memoranda: | ||
| Average total assets | $143,636,000 | 3,635 |
| Average earning assets | $135,855,500 | 3,589 |
| Average equity | $17,689,000 | 3,454 |
| Average total loans | $117,488,000 | 3,150 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 2,469 |
| Cost of funding earning assets | 1.0523% | 130 |
| Net interest margin | 3.1534% | 4,579 |
| Noninterest income to average assets | 0.1299% | 5,536 |
| Noninterest expense to average assets | 1.9958% | 5,202 |
| Loan and lease loss provision to assets | -0.0176% | 5,514 |
| Net operating income to assets | 1.1440% | 1,718 |
| Return on assets (ROA) | 1.4248% | 982 |
| Pretax return on assets | 1.4248% | 1,840 |
| Return on Equity (ROE) | 11.6144% | 1,362 |
| Retained earnings to average equity (ytd only) | 0.3364% | 5,188 |
| Net charge-offs to loans | 0.1241% | 2,015 |
| Credit loss provision to net charge-offs | -17.4497% | 4,764 |
| Earnings coverage of net charge-offs (x) | 11.1745% | 2,558 |
| Efficiency ratio | 63.9220% | 3,951 |
| Assets per employee ($millions) | 7.2458% | 822 |
| Cash dividends to net income (ytd only)* | 97.1035% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,109 |
| Loan loss allowance to noncurrent loans | 106.7681% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 1,834 |
| Noncurrent loans to loans | 1.1264% | 1,828 |
| Net loans and leases to total assets | 79.5922% | 954 |
| Net loans and leases to deposits | 117.2641% | 116 |
| Net loans and leases to core deposits | 126.8738% | 330 |
| Total domestic deposits to total assets | 67.8743% | 5,719 |
| Equity capital to assets | 12.1485% | 1,707 |
| Core capital (leverage) ratio | 12.4124% | 1,379 |
| Tier 1 risk-based capital ratio | 22.0563% | 1,073 |
| Total risk-based capital ratio | 23.3120% | 1,044 |
| Memoranda: | ||
| Average total assets | $147,809,000 | 3,557 |
| Average earning assets | $140,261,200 | 3,493 |
| Average equity | $18,132,600 | 3,385 |
| Average total loans | $120,029,400 | 3,069 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,352 |
| Cost of funding earning assets | 1.0675% | 113 |
| Net interest margin | 3.1790% | 4,546 |
| Noninterest income to average assets | 0.1427% | 5,546 |
| Noninterest expense to average assets | 2.0565% | 5,096 |
| Loan and lease loss provision to assets | -0.0045% | 5,633 |
| Net operating income to assets | 1.1086% | 1,958 |
| Return on assets (ROA) | 1.4811% | 956 |
| Pretax return on assets | 1.4811% | 1,773 |
| Return on Equity (ROE) | 12.0450% | 1,310 |
| Retained earnings to average equity (ytd only) | 4.4165% | 3,190 |
| Net charge-offs to loans | 0.0496% | 2,665 |
| Credit loss provision to net charge-offs | -11.1111% | 4,619 |
| Earnings coverage of net charge-offs (x) | 27.3327% | 1,568 |
| Efficiency ratio | 65.0667% | 3,752 |
| Assets per employee ($millions) | 7.1011% | 859 |
| Cash dividends to net income (ytd only)* | 63.3333% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 2,667 |
| Loan loss allowance to noncurrent loans | 158.6100% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 2,651 |
| Noncurrent loans to loans | 0.8222% | 2,615 |
| Net loans and leases to total assets | 81.4740% | 693 |
| Net loans and leases to deposits | 119.1975% | 119 |
| Net loans and leases to core deposits | 128.8240% | 316 |
| Total domestic deposits to total assets | 68.3521% | 5,762 |
| Equity capital to assets | 12.9135% | 1,533 |
| Core capital (leverage) ratio | 12.9141% | 1,221 |
| Tier 1 risk-based capital ratio | 22.8023% | 1,029 |
| Total risk-based capital ratio | 24.0603% | 1,012 |
| Memoranda: | ||
| Average total assets | $148,532,500 | 3,564 |
| Average earning assets | $141,006,250 | 3,504 |
| Average equity | $18,264,500 | 3,398 |
| Average total loans | $120,850,500 | 3,058 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,203 |
| Cost of funding earning assets | 1.1000% | 91 |
| Net interest margin | 3.1840% | 4,596 |
| Noninterest income to average assets | 0.1354% | 5,635 |
| Noninterest expense to average assets | 2.1194% | 5,014 |
| Loan and lease loss provision to assets | -0.0053% | 5,753 |
| Net operating income to assets | 1.0444% | 2,209 |
| Return on assets (ROA) | 1.5952% | 777 |
| Pretax return on assets | 1.5952% | 1,385 |
| Return on Equity (ROE) | 13.1803% | 987 |
| Retained earnings to average equity (ytd only) | 6.3270% | 1,946 |
| Net charge-offs to loans | 0.0754% | 2,108 |
| Credit loss provision to net charge-offs | -8.6957% | 4,460 |
| Earnings coverage of net charge-offs (x) | 17.0217% | 1,898 |
| Efficiency ratio | 67.1008% | 3,519 |
| Assets per employee ($millions) | 6.3665% | 1,157 |
| Cash dividends to net income (ytd only)* | 51.9967% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,864 |
| Loan loss allowance to noncurrent loans | 178.4131% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 2,799 |
| Noncurrent loans to loans | 0.7208% | 2,928 |
| Net loans and leases to total assets | 83.7995% | 439 |
| Net loans and leases to deposits | 123.7433% | 80 |
| Net loans and leases to core deposits | 133.2058% | 263 |
| Total domestic deposits to total assets | 67.7205% | 5,847 |
| Equity capital to assets | 13.1012% | 1,443 |
| Core capital (leverage) ratio | 12.5856% | 1,310 |
| Tier 1 risk-based capital ratio | 22.5594% | 1,073 |
| Total risk-based capital ratio | 23.8172% | 1,054 |
| Memoranda: | ||
| Average total assets | $150,702,670 | 3,551 |
| Average earning assets | $143,092,330 | 3,493 |
| Average equity | $18,239,330 | 3,414 |
| Average total loans | $122,054,000 | 3,046 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,412 |
| Cost of funding earning assets | 1.0978% | 94 |
| Net interest margin | 3.1182% | 4,812 |
| Noninterest income to average assets | 0.1205% | 5,737 |
| Noninterest expense to average assets | 1.6998% | 5,751 |
| Loan and lease loss provision to assets | -0.0051% | 5,876 |
| Net operating income to assets | 1.3895% | 1,060 |
| Return on assets (ROA) | 1.3895% | 1,117 |
| Pretax return on assets | 1.3895% | 1,935 |
| Return on Equity (ROE) | 11.9226% | 1,336 |
| Retained earnings to average equity (ytd only) | 5.8733% | 2,437 |
| Net charge-offs to loans | 0.0679% | 1,807 |
| Credit loss provision to net charge-offs | -9.5238% | 4,084 |
| Earnings coverage of net charge-offs (x) | 25.7143% | 1,287 |
| Efficiency ratio | 55.1122% | 5,276 |
| Assets per employee ($millions) | 8.2763% | 512 |
| Cash dividends to net income (ytd only)* | 50.7380% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 3,055 |
| Loan loss allowance to noncurrent loans | 166.4171% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 2,809 |
| Noncurrent loans to loans | 0.7630% | 2,926 |
| Net loans and leases to total assets | 81.2169% | 656 |
| Net loans and leases to deposits | 125.7282% | 55 |
| Net loans and leases to core deposits | 135.2561% | 217 |
| Total domestic deposits to total assets | 64.5972% | 5,990 |
| Equity capital to assets | 12.3592% | 1,775 |
| Core capital (leverage) ratio | 11.8357% | 1,722 |
| Tier 1 risk-based capital ratio | 21.1714% | 1,286 |
| Total risk-based capital ratio | 22.4281% | 1,259 |
| Memoranda: | ||
| Average total assets | $156,022,000 | 3,492 |
| Average earning assets | $148,291,000 | 3,445 |
| Average equity | $18,184,000 | 3,413 |
| Average total loans | $123,630,000 | 3,036 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 2,387 |
| Cost of funding earning assets | 1.1093% | 95 |
| Net interest margin | 3.1413% | 4,802 |
| Noninterest income to average assets | 0.0948% | 5,890 |
| Noninterest expense to average assets | 1.6505% | 5,886 |
| Loan and lease loss provision to assets | -0.0082% | 5,618 |
| Net operating income to assets | 1.4446% | 955 |
| Return on assets (ROA) | 1.4446% | 991 |
| Pretax return on assets | 1.4446% | 1,743 |
| Return on Equity (ROE) | 12.9847% | 1,062 |
| Retained earnings to average equity (ytd only) | 4.7176% | 2,632 |
| Net charge-offs to loans | 0.0331% | 3,549 |
| Credit loss provision to net charge-offs | -30.9524% | 5,019 |
| Earnings coverage of net charge-offs (x) | 54.4762% | 944 |
| Efficiency ratio | 53.4676% | 5,555 |
| Assets per employee ($millions) | 9.5924% | 308 |
| Cash dividends to net income (ytd only)* | 63.6680% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 3,079 |
| Loan loss allowance to noncurrent loans | 184.6784% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 3,332 |
| Noncurrent loans to loans | 0.6856% | 3,139 |
| Net loans and leases to total assets | 75.5093% | 1,489 |
| Net loans and leases to deposits | 128.6240% | 51 |
| Net loans and leases to core deposits | 137.7989% | 190 |
| Total domestic deposits to total assets | 58.7055% | 6,102 |
| Equity capital to assets | 11.0112% | 2,813 |
| Core capital (leverage) ratio | 11.3036% | 2,119 |
| Tier 1 risk-based capital ratio | 20.6269% | 1,365 |
| Total risk-based capital ratio | 21.8841% | 1,337 |
| Memoranda: | ||
| Average total assets | $159,281,200 | 3,440 |
| Average earning assets | $151,719,800 | 3,375 |
| Average equity | $17,720,800 | 3,420 |
| Average total loans | $126,867,000 | 2,936 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,241 |
| Cost of funding earning assets | 1.1191% | 88 |
| Net interest margin | 3.1778% | 4,749 |
| Noninterest income to average assets | 0.1095% | 5,916 |
| Noninterest expense to average assets | 1.6614% | 5,934 |
| Loan and lease loss provision to assets | -0.0042% | 5,797 |
| Net operating income to assets | 1.4795% | 951 |
| Return on assets (ROA) | 1.4795% | 987 |
| Pretax return on assets | 1.4795% | 1,734 |
| Return on Equity (ROE) | 13.2636% | 1,066 |
| Retained earnings to average equity (ytd only) | 5.2239% | 2,762 |
| Net charge-offs to loans | -0.0105% | 5,001 |
| Credit loss provision to net charge-offs | 50.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9664% | 5,585 |
| Assets per employee ($millions) | 8.5758% | 432 |
| Cash dividends to net income (ytd only)* | 60.6144% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 3,261 |
| Loan loss allowance to noncurrent loans | 193.7352% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 3,449 |
| Noncurrent loans to loans | 0.6552% | 3,364 |
| Net loans and leases to total assets | 82.5905% | 512 |
| Net loans and leases to deposits | 132.4516% | 35 |
| Net loans and leases to core deposits | 143.3003% | 149 |
| Total domestic deposits to total assets | 62.3552% | 6,156 |
| Equity capital to assets | 11.6251% | 2,397 |
| Core capital (leverage) ratio | 11.2002% | 2,302 |
| Tier 1 risk-based capital ratio | 19.7167% | 1,618 |
| Total risk-based capital ratio | 20.9735% | 1,579 |
| Memoranda: | ||
| Average total assets | $158,334,000 | 3,486 |
| Average earning assets | $150,834,750 | 3,419 |
| Average equity | $17,662,000 | 3,453 |
| Average total loans | $127,405,750 | 2,950 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,335 |
| Cost of funding earning assets | 1.1080% | 94 |
| Net interest margin | 3.1466% | 4,837 |
| Noninterest income to average assets | 0.0977% | 6,035 |
| Noninterest expense to average assets | 1.5821% | 6,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5145% | 876 |
| Return on assets (ROA) | 1.5145% | 918 |
| Pretax return on assets | 1.5145% | 1,605 |
| Return on Equity (ROE) | 13.7639% | 950 |
| Retained earnings to average equity (ytd only) | 5.8517% | 2,324 |
| Net charge-offs to loans | 0.0173% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 109.9091% | 565 |
| Efficiency ratio | 51.0922% | 5,793 |
| Assets per employee ($millions) | 8.1576% | 495 |
| Cash dividends to net income (ytd only)* | 57.4855% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 3,473 |
| Loan loss allowance to noncurrent loans | 237.2807% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 3,935 |
| Noncurrent loans to loans | 0.5299% | 3,869 |
| Net loans and leases to total assets | 82.2323% | 530 |
| Net loans and leases to deposits | 132.8788% | 36 |
| Net loans and leases to core deposits | 143.3814% | 145 |
| Total domestic deposits to total assets | 61.8852% | 6,233 |
| Equity capital to assets | 11.5023% | 2,412 |
| Core capital (leverage) ratio | 11.0897% | 2,332 |
| Tier 1 risk-based capital ratio | 19.9283% | 1,566 |
| Total risk-based capital ratio | 21.1852% | 1,523 |
| Memoranda: | ||
| Average total assets | $159,657,330 | 3,490 |
| Average earning assets | $152,166,330 | 3,417 |
| Average equity | $17,567,670 | 3,484 |
| Average total loans | $126,831,330 | 2,968 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 2,538 |
| Cost of funding earning assets | 1.0686% | 122 |
| Net interest margin | 3.1101% | 4,920 |
| Noninterest income to average assets | 0.1086% | 6,041 |
| Noninterest expense to average assets | 1.5828% | 6,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4939% | 859 |
| Return on assets (ROA) | 1.4939% | 913 |
| Pretax return on assets | 1.4939% | 1,585 |
| Return on Equity (ROE) | 13.8781% | 907 |
| Retained earnings to average equity (ytd only) | 6.4229% | 2,275 |
| Net charge-offs to loans | -0.0032% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4446% | 5,844 |
| Assets per employee ($millions) | 8.9154% | 374 |
| Cash dividends to net income (ytd only)* | 53.7190% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 3,425 |
| Loan loss allowance to noncurrent loans | 231.2588% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 4,164 |
| Noncurrent loans to loans | 0.5603% | 3,907 |
| Net loans and leases to total assets | 77.6094% | 979 |
| Net loans and leases to deposits | 127.2969% | 45 |
| Net loans and leases to core deposits | 138.6000% | 162 |
| Total domestic deposits to total assets | 60.9672% | 6,310 |
| Equity capital to assets | 10.9579% | 3,017 |
| Core capital (leverage) ratio | 10.9387% | 2,474 |
| Tier 1 risk-based capital ratio | 19.5997% | 1,712 |
| Total risk-based capital ratio | 20.8575% | 1,672 |
| Memoranda: | ||
| Average total assets | $161,988,500 | 3,483 |
| Average earning assets | $154,591,000 | 3,398 |
| Average equity | $17,437,500 | 3,530 |
| Average total loans | $125,707,500 | 2,990 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 2,696 |
| Cost of funding earning assets | 1.1402% | 110 |
| Net interest margin | 3.1343% | 5,114 |
| Noninterest income to average assets | 0.0911% | 6,193 |
| Noninterest expense to average assets | 1.6918% | 6,161 |
| Loan and lease loss provision to assets | -0.0220% | 5,942 |
| Net operating income to assets | 1.4061% | 1,074 |
| Return on assets (ROA) | 1.3791% | 1,160 |
| Pretax return on assets | 1.3791% | 1,958 |
| Return on Equity (ROE) | 13.0675% | 1,120 |
| Retained earnings to average equity (ytd only) | -4.3380% | 6,151 |
| Net charge-offs to loans | -0.0008% | 5,334 |
| Credit loss provision to net charge-offs | 3,500.0000% | 82 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0020% | 5,764 |
| Assets per employee ($millions) | 9.0833% | 326 |
| Cash dividends to net income (ytd only)* | 133.1967% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 3,397 |
| Loan loss allowance to noncurrent loans | 276.0135% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 4,512 |
| Noncurrent loans to loans | 0.4727% | 4,242 |
| Net loans and leases to total assets | 75.5968% | 1,330 |
| Net loans and leases to deposits | 128.4583% | 51 |
| Net loans and leases to core deposits | 138.8327% | 175 |
| Total domestic deposits to total assets | 58.8493% | 6,416 |
| Equity capital to assets | 10.5750% | 3,394 |
| Core capital (leverage) ratio | 10.2258% | 3,278 |
| Tier 1 risk-based capital ratio | 20.1223% | 1,572 |
| Total risk-based capital ratio | 21.3812% | 1,543 |
| Memoranda: | ||
| Average total assets | $159,238,000 | 3,502 |
| Average earning assets | $151,646,600 | 3,417 |
| Average equity | $16,805,000 | 3,556 |
| Average total loans | $125,488,200 | 2,950 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 2,733 |
| Cost of funding earning assets | 1.1524% | 108 |
| Net interest margin | 3.1215% | 5,193 |
| Noninterest income to average assets | 0.0843% | 6,296 |
| Noninterest expense to average assets | 1.7162% | 6,197 |
| Loan and lease loss provision to assets | -0.0169% | 6,105 |
| Net operating income to assets | 1.3554% | 1,240 |
| Return on assets (ROA) | 1.3554% | 1,289 |
| Pretax return on assets | 1.3554% | 2,170 |
| Return on Equity (ROE) | 12.8505% | 1,249 |
| Retained earnings to average equity (ytd only) | -8.1275% | 6,348 |
| Net charge-offs to loans | -0.0011% | 5,162 |
| Credit loss provision to net charge-offs | 2,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1810% | 5,645 |
| Assets per employee ($millions) | 8.0684% | 509 |
| Cash dividends to net income (ytd only)* | 163.2459% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 3,550 |
| Loan loss allowance to noncurrent loans | 112.5597% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.9896% | 2,977 |
| Noncurrent loans to loans | 1.1724% | 2,716 |
| Net loans and leases to total assets | 80.4356% | 668 |
| Net loans and leases to deposits | 129.0956% | 45 |
| Net loans and leases to core deposits | 138.4772% | 159 |
| Total domestic deposits to total assets | 62.3070% | 6,460 |
| Equity capital to assets | 11.0183% | 2,940 |
| Core capital (leverage) ratio | 10.7190% | 2,798 |
| Tier 1 risk-based capital ratio | 19.4800% | 1,787 |
| Total risk-based capital ratio | 20.7390% | 1,753 |
| Memoranda: | ||
| Average total assets | $158,172,750 | 3,540 |
| Average earning assets | $150,523,000 | 3,456 |
| Average equity | $16,683,750 | 3,595 |
| Average total loans | $125,551,750 | 2,965 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 2,669 |
| Cost of funding earning assets | 1.1532% | 109 |
| Net interest margin | 3.1256% | 5,171 |
| Noninterest income to average assets | 0.0876% | 6,327 |
| Noninterest expense to average assets | 1.7009% | 6,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3617% | 1,157 |
| Return on assets (ROA) | 1.3617% | 1,197 |
| Pretax return on assets | 1.3617% | 2,030 |
| Return on Equity (ROE) | 13.0969% | 1,151 |
| Retained earnings to average equity (ytd only) | -14.8905% | 6,492 |
| Net charge-offs to loans | -0.0080% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5374% | 5,790 |
| Assets per employee ($millions) | 7.8940% | 526 |
| Cash dividends to net income (ytd only)* | 213.6949% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 3,720 |
| Loan loss allowance to noncurrent loans | 115.2998% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9780% | 3,110 |
| Noncurrent loans to loans | 1.1500% | 2,930 |
| Net loans and leases to total assets | 78.8610% | 807 |
| Net loans and leases to deposits | 129.5685% | 39 |
| Net loans and leases to core deposits | 144.8423% | 117 |
| Total domestic deposits to total assets | 60.8643% | 6,549 |
| Equity capital to assets | 10.3554% | 3,613 |
| Core capital (leverage) ratio | 10.2687% | 3,244 |
| Tier 1 risk-based capital ratio | 18.9092% | 1,942 |
| Total risk-based capital ratio | 20.1677% | 1,906 |
| Memoranda: | ||
| Average total assets | $159,797,330 | 3,537 |
| Average earning assets | $152,099,330 | 3,443 |
| Average equity | $16,614,670 | 3,597 |
| Average total loans | $125,750,330 | 2,951 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,685 |
| Cost of funding earning assets | 1.1556% | 116 |
| Net interest margin | 3.0956% | 5,267 |
| Noninterest income to average assets | 0.0871% | 6,372 |
| Noninterest expense to average assets | 1.6796% | 6,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3536% | 1,091 |
| Return on assets (ROA) | 1.3536% | 1,135 |
| Pretax return on assets | 1.3536% | 1,901 |
| Return on Equity (ROE) | 12.9930% | 1,165 |
| Retained earnings to average equity (ytd only) | -34.7753% | 6,636 |
| Net charge-offs to loans | -0.0096% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3733% | 5,889 |
| Assets per employee ($millions) | 8.7846% | 356 |
| Cash dividends to net income (ytd only)* | 367.6471% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,028 |
| Loan loss allowance to noncurrent loans | 121.0870% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 3,393 |
| Noncurrent loans to loans | 1.0880% | 3,241 |
| Net loans and leases to total assets | 79.1598% | 642 |
| Net loans and leases to deposits | 128.7350% | 39 |
| Net loans and leases to core deposits | 142.8723% | 116 |
| Total domestic deposits to total assets | 61.4905% | 6,628 |
| Equity capital to assets | 10.1554% | 3,661 |
| Core capital (leverage) ratio | 10.1179% | 3,405 |
| Tier 1 risk-based capital ratio | 18.2776% | 2,182 |
| Total risk-based capital ratio | 19.5360% | 2,142 |
| Memoranda: | ||
| Average total assets | $160,756,500 | 3,552 |
| Average earning assets | $152,990,000 | 3,460 |
| Average equity | $16,747,500 | 3,585 |
| Average total loans | $125,536,500 | 2,962 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,969 |
| Cost of funding earning assets | 1.1942% | 185 |
| Net interest margin | 3.1036% | 5,302 |
| Noninterest income to average assets | 0.1255% | 6,304 |
| Noninterest expense to average assets | 1.6911% | 6,456 |
| Loan and lease loss provision to assets | 0.0378% | 4,360 |
| Net operating income to assets | 1.3442% | 1,145 |
| Return on assets (ROA) | 1.3442% | 1,185 |
| Pretax return on assets | 1.3442% | 1,994 |
| Return on Equity (ROE) | 12.0971% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.0012% | 2,593 |
| Net charge-offs to loans | 0.0385% | 4,691 |
| Credit loss provision to net charge-offs | 127.6596% | 1,841 |
| Earnings coverage of net charge-offs (x) | 46.6170% | 838 |
| Efficiency ratio | 55.0287% | 6,048 |
| Assets per employee ($millions) | 9.0773% | 320 |
| Cash dividends to net income (ytd only)* | 58.6579% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 3,923 |
| Loan loss allowance to noncurrent loans | 114.9552% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 3,326 |
| Noncurrent loans to loans | 1.1680% | 3,200 |
| Net loans and leases to total assets | 75.0133% | 1,220 |
| Net loans and leases to deposits | 129.5791% | 40 |
| Net loans and leases to core deposits | 145.2347% | 117 |
| Total domestic deposits to total assets | 57.8900% | 6,723 |
| Equity capital to assets | 10.6719% | 2,959 |
| Core capital (leverage) ratio | 10.6785% | 2,694 |
| Tier 1 risk-based capital ratio | 20.6526% | 1,502 |
| Total risk-based capital ratio | 21.9120% | 1,471 |
| Memoranda: | ||
| Average total assets | $158,538,600 | 3,584 |
| Average earning assets | $150,566,400 | 3,491 |
| Average equity | $17,615,800 | 3,480 |
| Average total loans | $121,941,400 | 3,003 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,869 |
| Cost of funding earning assets | 1.2214% | 180 |
| Net interest margin | 3.1088% | 5,297 |
| Noninterest income to average assets | 0.1305% | 6,367 |
| Noninterest expense to average assets | 1.7195% | 6,448 |
| Loan and lease loss provision to assets | 0.0508% | 4,001 |
| Net operating income to assets | 1.3111% | 1,322 |
| Return on assets (ROA) | 1.3111% | 1,377 |
| Pretax return on assets | 1.3111% | 2,296 |
| Return on Equity (ROE) | 11.6793% | 1,583 |
| Retained earnings to average equity (ytd only) | 4.6958% | 3,315 |
| Net charge-offs to loans | 0.0538% | 4,138 |
| Credit loss provision to net charge-offs | 122.4490% | 1,920 |
| Earnings coverage of net charge-offs (x) | 32.7967% | 1,157 |
| Efficiency ratio | 55.8031% | 5,926 |
| Assets per employee ($millions) | 8.5046% | 380 |
| Cash dividends to net income (ytd only)* | 59.7929% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,123 |
| Loan loss allowance to noncurrent loans | 69.7947% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 2,501 |
| Noncurrent loans to loans | 1.9367% | 2,319 |
| Net loans and leases to total assets | 79.4248% | 611 |
| Net loans and leases to deposits | 129.3251% | 38 |
| Net loans and leases to core deposits | 143.4834% | 111 |
| Total domestic deposits to total assets | 61.4148% | 6,776 |
| Equity capital to assets | 11.5454% | 2,270 |
| Core capital (leverage) ratio | 11.5113% | 2,033 |
| Tier 1 risk-based capital ratio | 20.8607% | 1,518 |
| Total risk-based capital ratio | 22.1196% | 1,492 |
| Memoranda: | ||
| Average total assets | $157,325,500 | 3,636 |
| Average earning assets | $149,337,000 | 3,546 |
| Average equity | $17,660,500 | 3,511 |
| Average total loans | $121,368,500 | 3,030 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 2,908 |
| Cost of funding earning assets | 1.2378% | 185 |
| Net interest margin | 3.0726% | 5,358 |
| Noninterest income to average assets | 0.1373% | 6,365 |
| Noninterest expense to average assets | 1.6833% | 6,515 |
| Loan and lease loss provision to assets | 0.0756% | 3,539 |
| Net operating income to assets | 1.2965% | 1,329 |
| Return on assets (ROA) | 1.2965% | 1,419 |
| Pretax return on assets | 1.2965% | 2,312 |
| Return on Equity (ROE) | 11.6561% | 1,588 |
| Retained earnings to average equity (ytd only) | 8.2578% | 1,384 |
| Net charge-offs to loans | 0.0513% | 3,955 |
| Credit loss provision to net charge-offs | 193.5484% | 1,223 |
| Earnings coverage of net charge-offs (x) | 35.1290% | 1,027 |
| Efficiency ratio | 55.0928% | 6,057 |
| Assets per employee ($millions) | 8.5503% | 371 |
| Cash dividends to net income (ytd only)* | 29.1545% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,047 |
| Loan loss allowance to noncurrent loans | 221.8709% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 4,899 |
| Noncurrent loans to loans | 0.6299% | 4,682 |
| Net loans and leases to total assets | 77.1919% | 842 |
| Net loans and leases to deposits | 125.9093% | 53 |
| Net loans and leases to core deposits | 142.6652% | 120 |
| Total domestic deposits to total assets | 61.3076% | 6,825 |
| Equity capital to assets | 11.5616% | 2,246 |
| Core capital (leverage) ratio | 11.5202% | 1,920 |
| Tier 1 risk-based capital ratio | 21.5814% | 1,373 |
| Total risk-based capital ratio | 22.8418% | 1,338 |
| Memoranda: | ||
| Average total assets | $158,740,000 | 3,636 |
| Average earning assets | $150,752,000 | 3,538 |
| Average equity | $17,656,000 | 3,533 |
| Average total loans | $120,741,000 | 3,055 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 2,975 |
| Cost of funding earning assets | 1.2499% | 192 |
| Net interest margin | 3.0306% | 5,480 |
| Noninterest income to average assets | 0.0869% | 6,626 |
| Noninterest expense to average assets | 1.6655% | 6,607 |
| Loan and lease loss provision to assets | 0.1117% | 2,839 |
| Net operating income to assets | 1.1864% | 1,564 |
| Return on assets (ROA) | 1.1864% | 1,677 |
| Pretax return on assets | 1.1864% | 2,629 |
| Return on Equity (ROE) | 10.8717% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.8717% | 904 |
| Net charge-offs to loans | 0.1456% | 2,528 |
| Credit loss provision to net charge-offs | 102.2727% | 1,791 |
| Earnings coverage of net charge-offs (x) | 11.8864% | 1,641 |
| Efficiency ratio | 56.1977% | 6,043 |
| Assets per employee ($millions) | 8.7933% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,350 |
| Loan loss allowance to noncurrent loans | 219.6286% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 4,116 |
| Noncurrent loans to loans | 0.6267% | 4,879 |
| Net loans and leases to total assets | 74.9689% | 965 |
| Net loans and leases to deposits | 121.1447% | 60 |
| Net loans and leases to core deposits | 137.0809% | 134 |
| Total domestic deposits to total assets | 61.8838% | 6,899 |
| Equity capital to assets | 11.2479% | 2,678 |
| Core capital (leverage) ratio | 11.0613% | 2,212 |
| Tier 1 risk-based capital ratio | 21.1306% | 1,507 |
| Total risk-based capital ratio | 22.3655% | 1,481 |
| Memoranda: | ||
| Average total assets | $161,157,000 | 3,625 |
| Average earning assets | $152,975,500 | 3,544 |
| Average equity | $17,587,000 | 3,580 |
| Average total loans | $120,868,000 | 3,069 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 3,590 |
| Cost of funding earning assets | 1.5035% | 161 |
| Net interest margin | 2.9522% | 6,132 |
| Noninterest income to average assets | 0.1195% | 6,436 |
| Noninterest expense to average assets | 1.5310% | 6,853 |
| Loan and lease loss provision to assets | 0.3353% | 2,006 |
| Net operating income to assets | 1.0749% | 2,039 |
| Return on assets (ROA) | 1.0749% | 2,224 |
| Pretax return on assets | 1.0749% | 3,256 |
| Return on Equity (ROE) | 10.3127% | 2,040 |
| Retained earnings to average equity (ytd only) | 3.8782% | 3,465 |
| Net charge-offs to loans | 0.3876% | 2,703 |
| Credit loss provision to net charge-offs | 112.4744% | 2,589 |
| Earnings coverage of net charge-offs (x) | 4.7301% | 3,277 |
| Efficiency ratio | 52.0522% | 6,458 |
| Assets per employee ($millions) | 9.6491% | 273 |
| Cash dividends to net income (ytd only)* | 62.3936% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,341 |
| Loan loss allowance to noncurrent loans | 200.1209% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8590% | 4,327 |
| Noncurrent loans to loans | 0.6811% | 4,837 |
| Net loans and leases to total assets | 73.0119% | 1,333 |
| Net loans and leases to deposits | 122.7000% | 62 |
| Net loans and leases to core deposits | 138.7357% | 135 |
| Total domestic deposits to total assets | 59.5044% | 6,975 |
| Equity capital to assets | 10.5898% | 3,411 |
| Core capital (leverage) ratio | 10.3833% | 2,908 |
| Tier 1 risk-based capital ratio | 20.7411% | 1,516 |
| Total risk-based capital ratio | 22.0008% | 1,487 |
| Memoranda: | ||
| Average total assets | $164,013,600 | 3,549 |
| Average earning assets | $156,766,200 | 3,423 |
| Average equity | $17,095,400 | 3,613 |
| Average total loans | $126,145,000 | 2,953 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 3,571 |
| Cost of funding earning assets | 1.5407% | 168 |
| Net interest margin | 2.9751% | 6,220 |
| Noninterest income to average assets | 0.1195% | 6,540 |
| Noninterest expense to average assets | 1.5308% | 6,927 |
| Loan and lease loss provision to assets | 0.3862% | 1,670 |
| Net operating income to assets | 1.0487% | 2,287 |
| Return on assets (ROA) | 1.0487% | 2,504 |
| Pretax return on assets | 1.0487% | 3,537 |
| Return on Equity (ROE) | 10.1017% | 2,301 |
| Retained earnings to average equity (ytd only) | 6.1863% | 2,574 |
| Net charge-offs to loans | 0.4765% | 2,190 |
| Credit loss provision to net charge-offs | 104.3956% | 2,825 |
| Earnings coverage of net charge-offs (x) | 3.8791% | 3,478 |
| Efficiency ratio | 51.6173% | 6,485 |
| Assets per employee ($millions) | 9.4728% | 280 |
| Cash dividends to net income (ytd only)* | 38.7596% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 4,700 |
| Loan loss allowance to noncurrent loans | 192.0333% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 4,126 |
| Noncurrent loans to loans | 0.6901% | 5,060 |
| Net loans and leases to total assets | 74.6774% | 1,147 |
| Net loans and leases to deposits | 122.7721% | 68 |
| Net loans and leases to core deposits | 138.0510% | 149 |
| Total domestic deposits to total assets | 60.8260% | 7,054 |
| Equity capital to assets | 10.8900% | 3,394 |
| Core capital (leverage) ratio | 10.6581% | 2,748 |
| Tier 1 risk-based capital ratio | 20.9853% | 1,529 |
| Total risk-based capital ratio | 22.2443% | 1,493 |
| Memoranda: | ||
| Average total assets | $164,008,250 | 3,581 |
| Average earning assets | $156,896,500 | 3,467 |
| Average equity | $17,026,500 | 3,651 |
| Average total loans | $127,326,250 | 2,965 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 3,581 |
| Cost of funding earning assets | 1.5650% | 179 |
| Net interest margin | 2.9806% | 6,279 |
| Noninterest income to average assets | 0.1297% | 6,539 |
| Noninterest expense to average assets | 1.5237% | 6,989 |
| Loan and lease loss provision to assets | 0.5152% | 1,221 |
| Net operating income to assets | 0.9443% | 2,687 |
| Return on assets (ROA) | 0.9443% | 2,945 |
| Pretax return on assets | 0.9443% | 3,903 |
| Return on Equity (ROE) | 9.2428% | 2,691 |
| Retained earnings to average equity (ytd only) | 3.3103% | 4,399 |
| Net charge-offs to loans | 0.1270% | 3,915 |
| Credit loss provision to net charge-offs | 518.2927% | 580 |
| Earnings coverage of net charge-offs (x) | 14.6829% | 1,694 |
| Efficiency ratio | 51.0768% | 6,575 |
| Assets per employee ($millions) | 9.7708% | 245 |
| Cash dividends to net income (ytd only)* | 64.1849% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,895 |
| Loan loss allowance to noncurrent loans | 102.4326% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 3,905 |
| Noncurrent loans to loans | 1.4889% | 3,674 |
| Net loans and leases to total assets | 75.2950% | 1,064 |
| Net loans and leases to deposits | 124.5809% | 55 |
| Net loans and leases to core deposits | 140.0428% | 146 |
| Total domestic deposits to total assets | 60.4386% | 7,126 |
| Equity capital to assets | 10.2424% | 4,001 |
| Core capital (leverage) ratio | 10.0230% | 3,395 |
| Tier 1 risk-based capital ratio | 18.1992% | 2,227 |
| Total risk-based capital ratio | 19.4604% | 2,195 |
| Memoranda: | ||
| Average total assets | $164,998,330 | 3,585 |
| Average earning assets | $157,955,330 | 3,465 |
| Average equity | $16,856,330 | 3,667 |
| Average total loans | $129,143,670 | 2,941 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 3,293 |
| Cost of funding earning assets | 1.6218% | 174 |
| Net interest margin | 3.0228% | 6,246 |
| Noninterest income to average assets | 0.0608% | 6,895 |
| Noninterest expense to average assets | 1.3913% | 7,119 |
| Loan and lease loss provision to assets | 0.6689% | 800 |
| Net operating income to assets | 0.8976% | 2,932 |
| Return on assets (ROA) | 0.8976% | 3,151 |
| Pretax return on assets | 0.8976% | 4,039 |
| Return on Equity (ROE) | 8.7972% | 2,910 |
| Retained earnings to average equity (ytd only) | 2.8370% | 4,828 |
| Net charge-offs to loans | 0.2826% | 2,539 |
| Credit loss provision to net charge-offs | 298.9130% | 995 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,126 |
| Efficiency ratio | 47.0395% | 6,849 |
| Assets per employee ($millions) | 11.7699% | 157 |
| Cash dividends to net income (ytd only)* | 67.7507% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 4,700 |
| Loan loss allowance to noncurrent loans | 89.8837% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.4407% | 3,705 |
| Noncurrent loans to loans | 1.5323% | 3,817 |
| Net loans and leases to total assets | 77.2215% | 671 |
| Net loans and leases to deposits | 129.6490% | 45 |
| Net loans and leases to core deposits | 152.0511% | 108 |
| Total domestic deposits to total assets | 59.5620% | 7,198 |
| Equity capital to assets | 10.2174% | 3,831 |
| Core capital (leverage) ratio | 10.0060% | 3,361 |
| Tier 1 risk-based capital ratio | 19.3233% | 1,893 |
| Total risk-based capital ratio | 20.5944% | 1,851 |
| Memoranda: | ||
| Average total assets | $164,445,500 | 3,610 |
| Average earning assets | $157,603,000 | 3,477 |
| Average equity | $16,778,000 | 3,681 |
| Average total loans | $130,213,000 | 2,936 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 3,712 |
| Cost of funding earning assets | 1.9615% | 113 |
| Net interest margin | 2.8592% | 6,751 |
| Noninterest income to average assets | 0.0313% | 6,897 |
| Noninterest expense to average assets | 1.2996% | 7,242 |
| Loan and lease loss provision to assets | 0.4962% | 2,125 |
| Net operating income to assets | 0.9806% | 2,281 |
| Return on assets (ROA) | 0.9806% | 2,415 |
| Pretax return on assets | 0.9806% | 3,315 |
| Return on Equity (ROE) | 10.1287% | 2,020 |
| Retained earnings to average equity (ytd only) | 3.3010% | 3,874 |
| Net charge-offs to loans | 0.4201% | 3,326 |
| Credit loss provision to net charge-offs | 147.6274% | 1,932 |
| Earnings coverage of net charge-offs (x) | 4.3937% | 3,131 |
| Efficiency ratio | 46.8085% | 7,007 |
| Assets per employee ($millions) | 10.9409% | 184 |
| Cash dividends to net income (ytd only)* | 67.4096% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 5,837 |
| Loan loss allowance to noncurrent loans | 99.7224% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2296% | 4,178 |
| Noncurrent loans to loans | 1.0966% | 4,520 |
| Net loans and leases to total assets | 79.1942% | 579 |
| Net loans and leases to deposits | 138.2035% | 41 |
| Net loans and leases to core deposits | 160.2664% | 108 |
| Total domestic deposits to total assets | 57.3026% | 7,257 |
| Equity capital to assets | 10.1881% | 3,924 |
| Core capital (leverage) ratio | 9.9742% | 3,372 |
| Tier 1 risk-based capital ratio | 17.2314% | 2,498 |
| Total risk-based capital ratio | 18.8923% | 2,286 |
| Memoranda: | ||
| Average total assets | $169,278,400 | 3,501 |
| Average earning assets | $162,525,800 | 3,357 |
| Average equity | $16,389,000 | 3,665 |
| Average total loans | $135,454,000 | 2,889 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 3,872 |
| Cost of funding earning assets | 2.0076% | 119 |
| Net interest margin | 2.8242% | 6,858 |
| Noninterest income to average assets | -0.0016% | 7,120 |
| Noninterest expense to average assets | 1.2780% | 7,323 |
| Loan and lease loss provision to assets | 0.4807% | 2,062 |
| Net operating income to assets | 0.9513% | 2,526 |
| Return on assets (ROA) | 0.9513% | 2,694 |
| Pretax return on assets | 0.9513% | 3,586 |
| Return on Equity (ROE) | 9.9510% | 2,219 |
| Retained earnings to average equity (ytd only) | 4.0719% | 3,828 |
| Net charge-offs to loans | 0.4533% | 2,916 |
| Credit loss provision to net charge-offs | 132.5431% | 2,403 |
| Earnings coverage of net charge-offs (x) | 3.9483% | 3,237 |
| Efficiency ratio | 47.1589% | 7,009 |
| Assets per employee ($millions) | 11.3937% | 168 |
| Cash dividends to net income (ytd only)* | 59.0794% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 6,331 |
| Loan loss allowance to noncurrent loans | 88.3378% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 4,395 |
| Noncurrent loans to loans | 1.1170% | 4,681 |
| Net loans and leases to total assets | 77.3822% | 788 |
| Net loans and leases to deposits | 138.4570% | 38 |
| Net loans and leases to core deposits | 164.6436% | 99 |
| Total domestic deposits to total assets | 55.8889% | 7,334 |
| Equity capital to assets | 9.7645% | 4,679 |
| Core capital (leverage) ratio | 9.5523% | 4,077 |
| Tier 1 risk-based capital ratio | 17.3284% | 2,513 |
| Total risk-based capital ratio | 19.0041% | 2,318 |
| Memoranda: | ||
| Average total assets | $170,569,750 | 3,508 |
| Average earning assets | $163,770,000 | 3,361 |
| Average equity | $16,306,250 | 3,690 |
| Average total loans | $136,466,250 | 2,897 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 3,850 |
| Cost of funding earning assets | 2.0544% | 121 |
| Net interest margin | 2.7999% | 6,925 |
| Noninterest income to average assets | -0.0282% | 7,235 |
| Noninterest expense to average assets | 1.2918% | 7,394 |
| Loan and lease loss provision to assets | 0.4928% | 1,997 |
| Net operating income to assets | 0.8753% | 2,747 |
| Return on assets (ROA) | 0.8753% | 2,845 |
| Pretax return on assets | 0.8753% | 3,733 |
| Return on Equity (ROE) | 9.2218% | 2,426 |
| Retained earnings to average equity (ytd only) | 3.0410% | 4,343 |
| Net charge-offs to loans | 0.2503% | 3,628 |
| Credit loss provision to net charge-offs | 244.1860% | 1,243 |
| Earnings coverage of net charge-offs (x) | 6.7791% | 2,333 |
| Efficiency ratio | 48.5664% | 7,032 |
| Assets per employee ($millions) | 11.4117% | 167 |
| Cash dividends to net income (ytd only)* | 67.0241% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 6,189 |
| Loan loss allowance to noncurrent loans | 80.1587% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 4,765 |
| Noncurrent loans to loans | 1.2965% | 4,483 |
| Net loans and leases to total assets | 78.6576% | 688 |
| Net loans and leases to deposits | 144.5272% | 34 |
| Net loans and leases to core deposits | 164.1287% | 113 |
| Total domestic deposits to total assets | 54.4241% | 7,410 |
| Equity capital to assets | 9.5399% | 4,749 |
| Core capital (leverage) ratio | 9.3832% | 4,137 |
| Tier 1 risk-based capital ratio | 16.7739% | 2,617 |
| Total risk-based capital ratio | 18.3316% | 2,461 |
| Memoranda: | ||
| Average total assets | $170,458,000 | 3,527 |
| Average earning assets | $163,649,000 | 3,377 |
| Average equity | $16,179,000 | 3,702 |
| Average total loans | $137,432,330 | 2,899 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 3,404 |
| Cost of funding earning assets | 2.1275% | 107 |
| Net interest margin | 2.8048% | 6,898 |
| Noninterest income to average assets | 0.0259% | 7,226 |
| Noninterest expense to average assets | 1.3216% | 7,446 |
| Loan and lease loss provision to assets | 0.5291% | 1,645 |
| Net operating income to assets | 0.8630% | 2,733 |
| Return on assets (ROA) | 0.8630% | 2,796 |
| Pretax return on assets | 0.8630% | 3,652 |
| Return on Equity (ROE) | 9.1160% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.1482% | 3,680 |
| Net charge-offs to loans | 0.1477% | 3,602 |
| Credit loss provision to net charge-offs | 441.1765% | 793 |
| Earnings coverage of net charge-offs (x) | 11.6078% | 1,543 |
| Efficiency ratio | 48.7002% | 7,086 |
| Assets per employee ($millions) | 13.0018% | 129 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,503 |
| Loan loss allowance to noncurrent loans | 120.8296% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 5,102 |
| Noncurrent loans to loans | 0.7985% | 5,436 |
| Net loans and leases to total assets | 81.3713% | 404 |
| Net loans and leases to deposits | 143.7183% | 39 |
| Net loans and leases to core deposits | 162.6233% | 123 |
| Total domestic deposits to total assets | 56.6186% | 7,455 |
| Equity capital to assets | 9.5691% | 4,344 |
| Core capital (leverage) ratio | 9.4399% | 3,900 |
| Tier 1 risk-based capital ratio | 16.2912% | 2,768 |
| Total risk-based capital ratio | 17.7851% | 2,622 |
| Memoranda: | ||
| Average total assets | $170,099,000 | 3,554 |
| Average earning assets | $163,008,000 | 3,403 |
| Average equity | $16,103,500 | 3,707 |
| Average total loans | $138,120,000 | 2,924 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 3,617 |
| Cost of funding earning assets | 2.7099% | 57 |
| Net interest margin | 2.4887% | 7,278 |
| Noninterest income to average assets | 0.0499% | 7,105 |
| Noninterest expense to average assets | 1.3460% | 7,507 |
| Loan and lease loss provision to assets | 0.5993% | 2,738 |
| Net operating income to assets | 0.4782% | 4,201 |
| Return on assets (ROA) | 0.4782% | 4,360 |
| Pretax return on assets | 0.4782% | 4,698 |
| Return on Equity (ROE) | 5.1360% | 4,009 |
| Retained earnings to average equity (ytd only) | 1.3502% | 4,868 |
| Net charge-offs to loans | 0.5501% | 3,411 |
| Credit loss provision to net charge-offs | 131.6129% | 2,999 |
| Earnings coverage of net charge-offs (x) | 2.3665% | 3,958 |
| Efficiency ratio | 55.5394% | 6,650 |
| Assets per employee ($millions) | 12.2267% | 146 |
| Cash dividends to net income (ytd only)* | 73.7101% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 6,860 |
| Loan loss allowance to noncurrent loans | 113.0941% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 4,319 |
| Noncurrent loans to loans | 0.7506% | 5,544 |
| Net loans and leases to total assets | 79.5664% | 721 |
| Net loans and leases to deposits | 138.8688% | 47 |
| Net loans and leases to core deposits | 159.6701% | 141 |
| Total domestic deposits to total assets | 57.2961% | 7,528 |
| Equity capital to assets | 9.3665% | 4,591 |
| Core capital (leverage) ratio | 9.2238% | 4,131 |
| Tier 1 risk-based capital ratio | 15.9831% | 2,759 |
| Total risk-based capital ratio | 17.4330% | 2,620 |
| Memoranda: | ||
| Average total assets | $170,205,400 | 3,530 |
| Average earning assets | $162,332,400 | 3,408 |
| Average equity | $15,849,000 | 3,798 |
| Average total loans | $140,878,600 | 2,931 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 3,691 |
| Cost of funding earning assets | 2.8105% | 49 |
| Net interest margin | 2.4179% | 7,426 |
| Noninterest income to average assets | 0.0784% | 7,142 |
| Noninterest expense to average assets | 1.3383% | 7,620 |
| Loan and lease loss provision to assets | 0.5609% | 2,703 |
| Net operating income to assets | 0.4840% | 4,388 |
| Return on assets (ROA) | 0.4840% | 4,583 |
| Pretax return on assets | 0.4840% | 4,982 |
| Return on Equity (ROE) | 5.2057% | 4,199 |
| Retained earnings to average equity (ytd only) | 0.1435% | 5,717 |
| Net charge-offs to loans | 0.5455% | 3,118 |
| Credit loss provision to net charge-offs | 123.2759% | 3,329 |
| Earnings coverage of net charge-offs (x) | 2.2966% | 4,015 |
| Efficiency ratio | 56.1554% | 6,534 |
| Assets per employee ($millions) | 12.3139% | 159 |
| Cash dividends to net income (ytd only)* | 97.2443% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 7,056 |
| Loan loss allowance to noncurrent loans | 303.6723% | 965 |
| Noncurrent assets plus other real estate owned to assets | 1.4797% | 4,233 |
| Noncurrent loans to loans | 0.2551% | 6,671 |
| Net loans and leases to total assets | 79.8607% | 776 |
| Net loans and leases to deposits | 145.2436% | 41 |
| Net loans and leases to core deposits | 167.7613% | 129 |
| Total domestic deposits to total assets | 54.9839% | 7,650 |
| Equity capital to assets | 9.2416% | 5,242 |
| Core capital (leverage) ratio | 9.0485% | 4,606 |
| Tier 1 risk-based capital ratio | 15.6034% | 2,944 |
| Total risk-based capital ratio | 17.0419% | 2,815 |
| Memoranda: | ||
| Average total assets | $169,963,250 | 3,582 |
| Average earning assets | $162,008,750 | 3,463 |
| Average equity | $15,803,000 | 3,843 |
| Average total loans | $141,757,500 | 2,947 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2849% | 3,538 |
| Cost of funding earning assets | 2.8977% | 49 |
| Net interest margin | 2.3873% | 7,487 |
| Noninterest income to average assets | 0.0367% | 7,402 |
| Noninterest expense to average assets | 1.3514% | 7,686 |
| Loan and lease loss provision to assets | 0.4848% | 2,878 |
| Net operating income to assets | 0.4789% | 4,418 |
| Return on assets (ROA) | 0.4789% | 4,574 |
| Pretax return on assets | 0.4789% | 4,965 |
| Return on Equity (ROE) | 5.1396% | 4,217 |
| Retained earnings to average equity (ytd only) | 0.0635% | 5,714 |
| Net charge-offs to loans | 0.1107% | 5,055 |
| Credit loss provision to net charge-offs | 518.9873% | 714 |
| Earnings coverage of net charge-offs (x) | 10.3165% | 1,908 |
| Efficiency ratio | 58.3759% | 6,328 |
| Assets per employee ($millions) | 11.9516% | 165 |
| Cash dividends to net income (ytd only)* | 98.7654% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 6,736 |
| Loan loss allowance to noncurrent loans | 35.4731% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 2.7803% | 2,603 |
| Noncurrent loans to loans | 2.5548% | 3,101 |
| Net loans and leases to total assets | 83.0591% | 432 |
| Net loans and leases to deposits | 144.8537% | 42 |
| Net loans and leases to core deposits | 172.3874% | 130 |
| Total domestic deposits to total assets | 57.3400% | 7,695 |
| Equity capital to assets | 9.4691% | 4,750 |
| Core capital (leverage) ratio | 9.3108% | 4,097 |
| Tier 1 risk-based capital ratio | 15.4913% | 2,896 |
| Total risk-based capital ratio | 17.0223% | 2,734 |
| Memoranda: | ||
| Average total assets | $169,153,000 | 3,611 |
| Average earning assets | $161,440,000 | 3,485 |
| Average equity | $15,760,000 | 3,843 |
| Average total loans | $142,760,000 | 2,963 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2743% | 3,672 |
| Cost of funding earning assets | 2.9921% | 45 |
| Net interest margin | 2.2822% | 7,604 |
| Noninterest income to average assets | 0.0423% | 7,501 |
| Noninterest expense to average assets | 1.3030% | 7,805 |
| Loan and lease loss provision to assets | 0.4586% | 2,676 |
| Net operating income to assets | 0.4586% | 4,580 |
| Return on assets (ROA) | 0.4586% | 4,703 |
| Pretax return on assets | 0.4586% | 5,094 |
| Return on Equity (ROE) | 4.9625% | 4,388 |
| Retained earnings to average equity (ytd only) | -0.1272% | 5,864 |
| Net charge-offs to loans | 0.1361% | 4,131 |
| Credit loss provision to net charge-offs | 397.9592% | 1,030 |
| Earnings coverage of net charge-offs (x) | 7.9592% | 2,011 |
| Efficiency ratio | 58.6864% | 6,382 |
| Assets per employee ($millions) | 12.0051% | 173 |
| Cash dividends to net income (ytd only)* | 102.5641% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 6,657 |
| Loan loss allowance to noncurrent loans | 33.5556% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 3.1373% | 2,282 |
| Noncurrent loans to loans | 2.8428% | 2,829 |
| Net loans and leases to total assets | 83.9563% | 375 |
| Net loans and leases to deposits | 153.3822% | 39 |
| Net loans and leases to core deposits | 169.0269% | 159 |
| Total domestic deposits to total assets | 54.7367% | 7,809 |
| Equity capital to assets | 9.3573% | 4,747 |
| Core capital (leverage) ratio | 9.2585% | 4,118 |
| Tier 1 risk-based capital ratio | 15.2203% | 2,996 |
| Total risk-based capital ratio | 16.4707% | 2,957 |
| Memoranda: | ||
| Average total assets | $170,068,000 | 3,659 |
| Average earning assets | $162,296,000 | 3,523 |
| Average equity | $15,718,000 | 3,883 |
| Average total loans | $144,016,000 | 3,002 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7636% | 2,806 |
| Cost of funding earning assets | 3.3115% | 92 |
| Net interest margin | 2.4522% | 7,472 |
| Noninterest income to average assets | 0.1061% | 7,235 |
| Noninterest expense to average assets | 1.4370% | 7,832 |
| Loan and lease loss provision to assets | 0.3664% | 4,600 |
| Net operating income to assets | 0.6566% | 3,111 |
| Return on assets (ROA) | 0.6672% | 3,124 |
| Pretax return on assets | 0.6672% | 3,693 |
| Return on Equity (ROE) | 7.2498% | 2,691 |
| Retained earnings to average equity (ytd only) | 0.8791% | 4,408 |
| Net charge-offs to loans | 0.6625% | 3,197 |
| Credit loss provision to net charge-offs | 61.6979% | 6,622 |
| Earnings coverage of net charge-offs (x) | 1.7226% | 4,445 |
| Efficiency ratio | 58.4128% | 6,705 |
| Assets per employee ($millions) | 12.2903% | 161 |
| Cash dividends to net income (ytd only)* | 87.8735% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 7,037 |
| Loan loss allowance to noncurrent loans | 79.0228% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5233% | 4,092 |
| Noncurrent loans to loans | 1.0545% | 5,213 |
| Net loans and leases to total assets | 83.8949% | 442 |
| Net loans and leases to deposits | 153.0590% | 38 |
| Net loans and leases to core deposits | 202.3621% | 97 |
| Total domestic deposits to total assets | 54.8122% | 7,866 |
| Equity capital to assets | 9.1297% | 4,941 |
| Core capital (leverage) ratio | 9.0420% | 4,353 |
| Tier 1 risk-based capital ratio | 14.9003% | 3,005 |
| Total risk-based capital ratio | 16.0632% | 2,993 |
| Memoranda: | ||
| Average total assets | $170,568,200 | 3,603 |
| Average earning assets | $163,733,200 | 3,448 |
| Average equity | $15,697,000 | 3,924 |
| Average total loans | $152,903,200 | 2,876 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8630% | 2,613 |
| Cost of funding earning assets | 3.3443% | 113 |
| Net interest margin | 2.5186% | 7,439 |
| Noninterest income to average assets | 0.1222% | 7,280 |
| Noninterest expense to average assets | 1.5049% | 7,887 |
| Loan and lease loss provision to assets | 0.1802% | 5,563 |
| Net operating income to assets | 0.8578% | 2,585 |
| Return on assets (ROA) | 0.8719% | 2,601 |
| Pretax return on assets | 0.8719% | 3,311 |
| Return on Equity (ROE) | 9.4556% | 2,113 |
| Retained earnings to average equity (ytd only) | 2.6591% | 3,843 |
| Net charge-offs to loans | 0.2602% | 4,420 |
| Credit loss provision to net charge-offs | 76.1589% | 5,861 |
| Earnings coverage of net charge-offs (x) | 4.3874% | 3,153 |
| Efficiency ratio | 59.1805% | 6,535 |
| Assets per employee ($millions) | 12.1959% | 172 |
| Cash dividends to net income (ytd only)* | 71.8779% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 6,157 |
| Loan loss allowance to noncurrent loans | 146.1759% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 5,259 |
| Noncurrent loans to loans | 0.6988% | 5,902 |
| Net loans and leases to total assets | 86.7731% | 290 |
| Net loans and leases to deposits | 163.9417% | 46 |
| Net loans and leases to core deposits | 224.6910% | 65 |
| Total domestic deposits to total assets | 52.9293% | 7,957 |
| Equity capital to assets | 9.3228% | 4,997 |
| Core capital (leverage) ratio | 9.2164% | 4,310 |
| Tier 1 risk-based capital ratio | 15.3366% | 2,902 |
| Total risk-based capital ratio | 16.7699% | 2,759 |
| Memoranda: | ||
| Average total assets | $170,194,250 | 3,624 |
| Average earning assets | $163,575,750 | 3,481 |
| Average equity | $15,694,000 | 3,970 |
| Average total loans | $154,737,500 | 2,874 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9624% | 2,334 |
| Cost of funding earning assets | 3.3398% | 177 |
| Net interest margin | 2.6226% | 7,330 |
| Noninterest income to average assets | 0.1082% | 7,439 |
| Noninterest expense to average assets | 1.5070% | 7,970 |
| Loan and lease loss provision to assets | 0.1647% | 5,416 |
| Net operating income to assets | 0.9576% | 2,252 |
| Return on assets (ROA) | 0.9788% | 2,277 |
| Pretax return on assets | 0.9788% | 3,087 |
| Return on Equity (ROE) | 10.6535% | 1,801 |
| Retained earnings to average equity (ytd only) | 2.9707% | 3,667 |
| Net charge-offs to loans | 0.1598% | 4,600 |
| Credit loss provision to net charge-offs | 112.0000% | 4,133 |
| Earnings coverage of net charge-offs (x) | 7.6320% | 2,416 |
| Efficiency ratio | 57.3154% | 6,957 |
| Assets per employee ($millions) | 11.2023% | 197 |
| Cash dividends to net income (ytd only)* | 72.1154% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 5,956 |
| Loan loss allowance to noncurrent loans | 130.4278% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 5,333 |
| Noncurrent loans to loans | 0.7989% | 5,636 |
| Net loans and leases to total assets | 91.3285% | 80 |
| Net loans and leases to deposits | 189.6759% | 38 |
| Net loans and leases to core deposits | 261.4584% | 53 |
| Total domestic deposits to total assets | 48.1498% | 8,069 |
| Equity capital to assets | 9.3969% | 4,755 |
| Core capital (leverage) ratio | 9.3127% | 4,150 |
| Tier 1 risk-based capital ratio | 14.8679% | 3,077 |
| Total risk-based capital ratio | 16.2525% | 2,960 |
| Memoranda: | ||
| Average total assets | $170,011,330 | 3,639 |
| Average earning assets | $163,423,330 | 3,496 |
| Average equity | $15,619,330 | 3,996 |
| Average total loans | $156,420,670 | 2,880 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9688% | 2,487 |
| Cost of funding earning assets | 3.3495% | 232 |
| Net interest margin | 2.6193% | 7,341 |
| Noninterest income to average assets | 0.0912% | 7,595 |
| Noninterest expense to average assets | 1.4480% | 8,022 |
| Loan and lease loss provision to assets | 0.1404% | 5,151 |
| Net operating income to assets | 1.0199% | 2,231 |
| Return on assets (ROA) | 1.0620% | 2,229 |
| Pretax return on assets | 1.0620% | 3,137 |
| Return on Equity (ROE) | 11.6905% | 1,760 |
| Retained earnings to average equity (ytd only) | 1.3905% | 5,077 |
| Net charge-offs to loans | 0.1859% | 3,521 |
| Credit loss provision to net charge-offs | 82.1918% | 4,159 |
| Earnings coverage of net charge-offs (x) | 6.7945% | 2,442 |
| Efficiency ratio | 55.5157% | 7,031 |
| Assets per employee ($millions) | 11.4024% | 192 |
| Cash dividends to net income (ytd only)* | 88.1057% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 6,106 |
| Loan loss allowance to noncurrent loans | 63.2417% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.7926% | 3,234 |
| Noncurrent loans to loans | 1.5983% | 3,881 |
| Net loans and leases to total assets | 90.9235% | 101 |
| Net loans and leases to deposits | 198.9917% | 34 |
| Net loans and leases to core deposits | 274.9116% | 48 |
| Total domestic deposits to total assets | 45.6921% | 8,124 |
| Equity capital to assets | 9.1513% | 5,151 |
| Core capital (leverage) ratio | 9.0471% | 4,625 |
| Tier 1 risk-based capital ratio | 14.5467% | 3,285 |
| Total risk-based capital ratio | 15.9707% | 3,126 |
| Memoranda: | ||
| Average total assets | $171,000,000 | 3,635 |
| Average earning assets | $164,321,500 | 3,508 |
| Average equity | $15,534,000 | 4,035 |
| Average total loans | $157,091,500 | 2,892 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2387% | 4,308 |
| Cost of funding earning assets | 4.0702% | 79 |
| Net interest margin | 2.1685% | 7,976 |
| Noninterest income to average assets | 0.0781% | 7,751 |
| Noninterest expense to average assets | 1.2259% | 8,156 |
| Loan and lease loss provision to assets | 0.0837% | 6,344 |
| Net operating income to assets | 0.8548% | 3,204 |
| Return on assets (ROA) | 0.9441% | 2,673 |
| Pretax return on assets | 0.9441% | 3,573 |
| Return on Equity (ROE) | 11.0858% | 1,875 |
| Retained earnings to average equity (ytd only) | 4.9270% | 2,070 |
| Net charge-offs to loans | 0.1141% | 5,121 |
| Credit loss provision to net charge-offs | 82.4176% | 5,853 |
| Earnings coverage of net charge-offs (x) | 9.2418% | 2,725 |
| Efficiency ratio | 56.6383% | 6,922 |
| Assets per employee ($millions) | 11.3976% | 190 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 5,858 |
| Loan loss allowance to noncurrent loans | 85.7066% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 4,102 |
| Noncurrent loans to loans | 1.1892% | 4,129 |
| Net loans and leases to total assets | 90.9443% | 133 |
| Net loans and leases to deposits | 200.4461% | 41 |
| Net loans and leases to core deposits | 278.1730% | 54 |
| Total domestic deposits to total assets | 45.3710% | 8,158 |
| Equity capital to assets | 9.0171% | 5,349 |
| Core capital (leverage) ratio | 9.0091% | 4,725 |
| Tier 1 risk-based capital ratio | 14.3606% | 3,356 |
| Total risk-based capital ratio | 15.6007% | 3,282 |
| Memoranda: | ||
| Average total assets | $179,214,400 | 3,417 |
| Average earning assets | $172,424,600 | 3,293 |
| Average equity | $15,262,800 | 4,085 |
| Average total loans | $159,496,800 | 2,777 |