Home > Winter Park National Bank > Performance and Condition Ratios
Winter Park National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 3,283 |
| Cost of funding earning assets | 1.8639% | 1,133 |
| Net interest margin | 2.5309% | 4,065 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.1211% | 4,481 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3172% | 1,398 |
| Return on assets (ROA) | 1.3172% | 1,363 |
| Pretax return on assets | 1.3172% | 1,823 |
| Return on Equity (ROE) | 24.3200% | 339 |
| Retained earnings to average equity (ytd only) | 2.4373% | 3,467 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.4356% | 4,240 |
| Assets per employee ($millions) | 25.6808% | 64 |
| Cash dividends to net income (ytd only)* | 89.9766% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,361 |
| Loan loss allowance to noncurrent loans | 2,373.8532% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,483 |
| Noncurrent loans to loans | 0.0501% | 3,365 |
| Net loans and leases to total assets | 55.8200% | 3,211 |
| Net loans and leases to deposits | 64.3562% | 3,272 |
| Net loans and leases to core deposits | 65.1249% | 3,535 |
| Total domestic deposits to total assets | 86.7300% | 1,778 |
| Equity capital to assets | 5.5166% | 4,332 |
| Core capital (leverage) ratio | 6.7021% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5875% | 2,693 |
| Memoranda: | ||
| Average total assets | $747,597,000 | 1,244 |
| Average earning assets | $723,175,400 | 1,198 |
| Average equity | $40,495,200 | 1,869 |
| Average total loans | $401,127,200 | 1,466 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 3,360 |
| Cost of funding earning assets | 1.7155% | 1,157 |
| Net interest margin | 2.5445% | 4,095 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.1189% | 4,499 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.3754% | 1,374 |
| Return on assets (ROA) | 1.3754% | 1,354 |
| Pretax return on assets | 1.3754% | 1,835 |
| Return on Equity (ROE) | 25.5100% | 373 |
| Retained earnings to average equity (ytd only) | 3.3804% | 3,421 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.0966% | 4,220 |
| Assets per employee ($millions) | 25.2235% | 63 |
| Cash dividends to net income (ytd only)* | 86.7503% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,312 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 51.9300% | 3,501 |
| Net loans and leases to deposits | 59.5392% | 3,533 |
| Net loans and leases to core deposits | 60.3865% | 3,687 |
| Total domestic deposits to total assets | 87.2200% | 1,822 |
| Equity capital to assets | 5.1428% | 4,224 |
| Core capital (leverage) ratio | 6.8792% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6733% | 2,397 |
| Memoranda: | ||
| Average total assets | $741,890,000 | 1,248 |
| Average earning assets | $717,604,750 | 1,202 |
| Average equity | $39,993,750 | 1,868 |
| Average total loans | $392,608,250 | 1,483 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,403 |
| Cost of funding earning assets | 1.5187% | 1,209 |
| Net interest margin | 2.6288% | 4,073 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.1374% | 4,525 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4112% | 1,301 |
| Return on assets (ROA) | 1.4112% | 1,285 |
| Pretax return on assets | 1.4112% | 1,785 |
| Return on Equity (ROE) | 25.7700% | 347 |
| Retained earnings to average equity (ytd only) | 3.9204% | 3,224 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.5157% | 4,272 |
| Assets per employee ($millions) | 26.8662% | 54 |
| Cash dividends to net income (ytd only)* | 84.7885% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,372 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.2300% | 3,544 |
| Net loans and leases to deposits | 59.1949% | 3,468 |
| Net loans and leases to core deposits | 60.0348% | 3,631 |
| Total domestic deposits to total assets | 84.8600% | 2,582 |
| Equity capital to assets | 5.2063% | 4,342 |
| Core capital (leverage) ratio | 6.8090% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6284% | 2,727 |
| Memoranda: | ||
| Average total assets | $736,951,667 | 1,253 |
| Average earning assets | $712,568,667 | 1,212 |
| Average equity | $40,353,000 | 1,868 |
| Average total loans | $390,888,000 | 1,479 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0039% | 3,449 |
| Cost of funding earning assets | 1.3389% | 1,154 |
| Net interest margin | 2.6650% | 4,125 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.1617% | 4,583 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.3556% | 1,525 |
| Return on assets (ROA) | 1.3556% | 1,495 |
| Pretax return on assets | 1.3556% | 2,005 |
| Return on Equity (ROE) | 24.1100% | 451 |
| Retained earnings to average equity (ytd only) | 2.2560% | 3,659 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.8145% | 4,308 |
| Assets per employee ($millions) | 25.6339% | 62 |
| Cash dividends to net income (ytd only)* | 90.6430% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,457 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.3100% | 3,176 |
| Net loans and leases to deposits | 57.7879% | 3,463 |
| Net loans and leases to core deposits | 58.5632% | 3,606 |
| Total domestic deposits to total assets | 93.9700% | 173 |
| Equity capital to assets | 5.7103% | 4,287 |
| Core capital (leverage) ratio | 7.0232% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8659% | 2,444 |
| Memoranda: | ||
| Average total assets | $715,867,500 | 1,290 |
| Average earning assets | $691,926,500 | 1,252 |
| Average equity | $40,248,000 | 1,890 |
| Average total loans | $388,238,000 | 1,505 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0941% | 3,996 |
| Cost of funding earning assets | 0.4962% | 1,417 |
| Net interest margin | 2.5979% | 4,175 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.0274% | 4,642 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4721% | 956 |
| Return on assets (ROA) | 1.3947% | 1,100 |
| Pretax return on assets | 1.3947% | 1,780 |
| Return on Equity (ROE) | 24.9400% | 214 |
| Retained earnings to average equity (ytd only) | 9.4114% | 1,350 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 39.9370% | 4,538 |
| Assets per employee ($millions) | 25.4995% | 62 |
| Cash dividends to net income (ytd only)* | 62.2667% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,427 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.8500% | 3,295 |
| Net loans and leases to deposits | 56.5181% | 3,543 |
| Net loans and leases to core deposits | 57.0377% | 3,673 |
| Total domestic deposits to total assets | 93.5100% | 305 |
| Equity capital to assets | 5.5337% | 4,234 |
| Core capital (leverage) ratio | 6.7630% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7742% | 2,796 |
| Memoranda: | ||
| Average total assets | $752,871,400 | 1,241 |
| Average earning assets | $726,275,600 | 1,190 |
| Average equity | $42,098,000 | 1,854 |
| Average total loans | $331,550,400 | 1,598 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8318% | 4,155 |
| Cost of funding earning assets | 0.2828% | 2,356 |
| Net interest margin | 2.5490% | 4,169 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 0.9653% | 4,684 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5081% | 838 |
| Return on assets (ROA) | 1.5081% | 813 |
| Pretax return on assets | 1.5081% | 1,387 |
| Return on Equity (ROE) | 26.9100% | 135 |
| Retained earnings to average equity (ytd only) | 14.7382% | 387 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.2420% | 4,611 |
| Assets per employee ($millions) | 26.4940% | 58 |
| Cash dividends to net income (ytd only)* | 45.2237% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,563 |
| Loan loss allowance to noncurrent loans | 145.8065% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 1,364 |
| Noncurrent loans to loans | 0.8187% | 972 |
| Net loans and leases to total assets | 47.9100% | 3,634 |
| Net loans and leases to deposits | 53.2476% | 3,651 |
| Net loans and leases to core deposits | 53.5328% | 3,774 |
| Total domestic deposits to total assets | 89.9800% | 1,673 |
| Equity capital to assets | 5.3167% | 4,186 |
| Core capital (leverage) ratio | 6.7543% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8535% | 2,860 |
| Memoranda: | ||
| Average total assets | $762,593,000 | 1,230 |
| Average earning assets | $735,055,750 | 1,194 |
| Average equity | $42,745,000 | 1,857 |
| Average total loans | $318,967,000 | 1,642 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5971% | 4,275 |
| Cost of funding earning assets | 0.2066% | 2,829 |
| Net interest margin | 2.3905% | 4,239 |
| Noninterest income to average assets | 0.0671% | 4,591 |
| Noninterest expense to average assets | 0.9398% | 4,707 |
| Loan and lease loss provision to assets | 0.0455% | 1,760 |
| Net operating income to assets | 1.3824% | 946 |
| Return on assets (ROA) | 1.3824% | 924 |
| Pretax return on assets | 1.3824% | 1,488 |
| Return on Equity (ROE) | 24.2620% | 134 |
| Retained earnings to average equity (ytd only) | 15.3856% | 236 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6926% | 4,618 |
| Assets per employee ($millions) | 26.8397% | 54 |
| Cash dividends to net income (ytd only)* | 36.5858% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 2,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.6191% | 3,995 |
| Net loans and leases to deposits | 46.4265% | 4,006 |
| Net loans and leases to core deposits | 46.7408% | 4,092 |
| Total domestic deposits to total assets | 89.6451% | 1,872 |
| Equity capital to assets | 5.5813% | 4,336 |
| Core capital (leverage) ratio | 6.6608% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3012% | 2,725 |
| Memoranda: | ||
| Average total assets | $769,513,333 | 1,223 |
| Average earning assets | $740,604,000 | 1,199 |
| Average equity | $43,846,333 | 1,864 |
| Average total loans | $305,377,667 | 1,689 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4721% | 4,305 |
| Cost of funding earning assets | 0.1906% | 2,940 |
| Net interest margin | 2.2815% | 4,264 |
| Noninterest income to average assets | 0.0637% | 4,626 |
| Noninterest expense to average assets | 0.9356% | 4,735 |
| Loan and lease loss provision to assets | 0.0745% | 1,108 |
| Net operating income to assets | 1.2496% | 1,119 |
| Return on assets (ROA) | 1.2496% | 1,105 |
| Pretax return on assets | 1.2496% | 1,656 |
| Return on Equity (ROE) | 21.7155% | 171 |
| Retained earnings to average equity (ytd only) | 21.7155% | 76 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4052% | 4,616 |
| Assets per employee ($millions) | 30.3916% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 38.3312% | 4,102 |
| Net loans and leases to deposits | 42.7579% | 4,128 |
| Net loans and leases to core deposits | 43.0622% | 4,200 |
| Total domestic deposits to total assets | 89.6470% | 1,743 |
| Equity capital to assets | 5.7661% | 4,625 |
| Core capital (leverage) ratio | 6.7316% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1632% | 2,546 |
| Memoranda: | ||
| Average total assets | $778,514,500 | 1,218 |
| Average earning assets | $749,332,000 | 1,190 |
| Average equity | $44,797,500 | 1,897 |
| Average total loans | $299,591,000 | 1,702 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6338% | 4,381 |
| Cost of funding earning assets | 0.2424% | 3,025 |
| Net interest margin | 2.3914% | 4,333 |
| Noninterest income to average assets | 0.0771% | 4,664 |
| Noninterest expense to average assets | 0.9816% | 4,762 |
| Loan and lease loss provision to assets | 0.1191% | 1,049 |
| Net operating income to assets | 1.2629% | 1,712 |
| Return on assets (ROA) | 1.2592% | 1,770 |
| Pretax return on assets | 1.2592% | 2,485 |
| Return on Equity (ROE) | 16.4759% | 682 |
| Retained earnings to average equity (ytd only) | -1.4804% | 4,603 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5293% | 4,649 |
| Assets per employee ($millions) | 33.2183% | 48 |
| Cash dividends to net income (ytd only)* | 108.9852% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 37.6039% | 4,213 |
| Net loans and leases to deposits | 41.4805% | 4,290 |
| Net loans and leases to core deposits | 41.7583% | 4,345 |
| Total domestic deposits to total assets | 90.6544% | 641 |
| Equity capital to assets | 5.7429% | 4,817 |
| Core capital (leverage) ratio | 7.1383% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2806% | 2,537 |
| Memoranda: | ||
| Average total assets | $621,344,800 | 1,409 |
| Average earning assets | $594,084,600 | 1,386 |
| Average equity | $47,487,600 | 1,844 |
| Average total loans | $272,670,800 | 1,825 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8119% | 4,288 |
| Cost of funding earning assets | 0.2678% | 2,924 |
| Net interest margin | 2.5441% | 4,212 |
| Noninterest income to average assets | 0.0831% | 4,728 |
| Noninterest expense to average assets | 1.0514% | 4,828 |
| Loan and lease loss provision to assets | 0.0797% | 1,485 |
| Net operating income to assets | 1.3761% | 1,610 |
| Return on assets (ROA) | 1.3708% | 1,682 |
| Pretax return on assets | 1.3708% | 2,435 |
| Return on Equity (ROE) | 16.5183% | 847 |
| Retained earnings to average equity (ytd only) | 1.1994% | 4,372 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9361% | 4,662 |
| Assets per employee ($millions) | 25.7752% | 64 |
| Cash dividends to net income (ytd only)* | 92.7392% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.4662% | 3,915 |
| Net loans and leases to deposits | 50.7456% | 3,970 |
| Net loans and leases to core deposits | 51.1991% | 4,074 |
| Total domestic deposits to total assets | 87.6257% | 2,048 |
| Equity capital to assets | 7.5948% | 4,681 |
| Core capital (leverage) ratio | 7.8916% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5492% | 2,146 |
| Memoranda: | ||
| Average total assets | $577,371,000 | 1,514 |
| Average earning assets | $550,124,750 | 1,491 |
| Average equity | $47,913,250 | 1,846 |
| Average total loans | $264,889,250 | 1,885 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8382% | 4,297 |
| Cost of funding earning assets | 0.2748% | 3,045 |
| Net interest margin | 2.5634% | 4,225 |
| Noninterest income to average assets | 0.0798% | 4,761 |
| Noninterest expense to average assets | 1.0422% | 4,862 |
| Loan and lease loss provision to assets | 0.0585% | 1,863 |
| Net operating income to assets | 1.4254% | 1,498 |
| Return on assets (ROA) | 1.4173% | 1,586 |
| Pretax return on assets | 1.4173% | 2,279 |
| Return on Equity (ROE) | 16.5645% | 845 |
| Retained earnings to average equity (ytd only) | 0.8004% | 4,379 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2558% | 4,713 |
| Assets per employee ($millions) | 25.9411% | 62 |
| Cash dividends to net income (ytd only)* | 95.1678% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 43.4567% | 4,080 |
| Net loans and leases to deposits | 49.6385% | 4,131 |
| Net loans and leases to core deposits | 50.1044% | 4,229 |
| Total domestic deposits to total assets | 87.5464% | 2,073 |
| Equity capital to assets | 8.1367% | 4,462 |
| Core capital (leverage) ratio | 8.1757% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7229% | 1,184 |
| Memoranda: | ||
| Average total assets | $563,626,333 | 1,540 |
| Average earning assets | $537,870,667 | 1,507 |
| Average equity | $48,223,667 | 1,823 |
| Average total loans | $260,292,667 | 1,911 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7998% | 4,380 |
| Cost of funding earning assets | 0.2898% | 3,100 |
| Net interest margin | 2.5100% | 4,284 |
| Noninterest income to average assets | 0.0724% | 4,791 |
| Noninterest expense to average assets | 1.0287% | 4,901 |
| Loan and lease loss provision to assets | 0.1206% | 1,139 |
| Net operating income to assets | 1.3167% | 1,773 |
| Return on assets (ROA) | 1.2999% | 1,905 |
| Pretax return on assets | 1.2999% | 2,574 |
| Return on Equity (ROE) | 14.7976% | 1,257 |
| Retained earnings to average equity (ytd only) | -2.7714% | 4,592 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7136% | 4,681 |
| Assets per employee ($millions) | 26.2775% | 58 |
| Cash dividends to net income (ytd only)* | 118.7289% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 45.5868% | 3,990 |
| Net loans and leases to deposits | 51.9533% | 4,048 |
| Net loans and leases to core deposits | 52.4550% | 4,176 |
| Total domestic deposits to total assets | 87.7456% | 1,982 |
| Equity capital to assets | 7.8297% | 4,581 |
| Core capital (leverage) ratio | 8.5366% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1676% | 2,224 |
| Memoranda: | ||
| Average total assets | $547,117,000 | 1,568 |
| Average earning assets | $521,750,500 | 1,533 |
| Average equity | $48,062,000 | 1,818 |
| Average total loans | $259,083,500 | 1,919 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0181% | 4,616 |
| Cost of funding earning assets | 0.5142% | 2,858 |
| Net interest margin | 2.5039% | 4,589 |
| Noninterest income to average assets | 0.0963% | 4,753 |
| Noninterest expense to average assets | 1.1526% | 4,912 |
| Loan and lease loss provision to assets | 0.1516% | 2,478 |
| Net operating income to assets | 1.1835% | 1,605 |
| Return on assets (ROA) | 1.2580% | 1,470 |
| Pretax return on assets | 1.2580% | 2,128 |
| Return on Equity (ROE) | 11.7984% | 1,380 |
| Retained earnings to average equity (ytd only) | 0.3802% | 4,401 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3337% | 4,703 |
| Assets per employee ($millions) | 24.5776% | 64 |
| Cash dividends to net income (ytd only)* | 96.7776% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.0373% | 3,972 |
| Net loans and leases to deposits | 56.3340% | 3,972 |
| Net loans and leases to core deposits | 56.9604% | 4,102 |
| Total domestic deposits to total assets | 85.2723% | 2,662 |
| Equity capital to assets | 9.8541% | 3,260 |
| Core capital (leverage) ratio | 8.8308% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4549% | 1,411 |
| Memoranda: | ||
| Average total assets | $453,912,200 | 1,687 |
| Average earning assets | $433,520,800 | 1,651 |
| Average equity | $48,396,200 | 1,743 |
| Average total loans | $224,882,200 | 2,074 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1347% | 4,642 |
| Cost of funding earning assets | 0.5690% | 2,812 |
| Net interest margin | 2.5658% | 4,604 |
| Noninterest income to average assets | 0.0982% | 4,765 |
| Noninterest expense to average assets | 1.1430% | 4,951 |
| Loan and lease loss provision to assets | 0.2053% | 1,950 |
| Net operating income to assets | 1.1996% | 1,635 |
| Return on assets (ROA) | 1.3024% | 1,444 |
| Pretax return on assets | 1.3024% | 2,036 |
| Return on Equity (ROE) | 11.9489% | 1,381 |
| Retained earnings to average equity (ytd only) | 4.9168% | 2,594 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8609% | 4,760 |
| Assets per employee ($millions) | 24.5802% | 60 |
| Cash dividends to net income (ytd only)* | 58.8510% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 1,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 43.8977% | 4,424 |
| Net loans and leases to deposits | 51.0837% | 4,449 |
| Net loans and leases to core deposits | 51.7637% | 4,536 |
| Total domestic deposits to total assets | 85.9329% | 2,097 |
| Equity capital to assets | 9.7643% | 3,467 |
| Core capital (leverage) ratio | 9.5334% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8863% | 1,279 |
| Memoranda: | ||
| Average total assets | $438,357,750 | 1,714 |
| Average earning assets | $418,526,250 | 1,679 |
| Average equity | $47,780,250 | 1,750 |
| Average total loans | $218,303,000 | 2,114 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 4,554 |
| Cost of funding earning assets | 0.6432% | 2,740 |
| Net interest margin | 2.7405% | 4,517 |
| Noninterest income to average assets | 0.0994% | 4,784 |
| Noninterest expense to average assets | 1.1954% | 4,976 |
| Loan and lease loss provision to assets | 0.3273% | 1,305 |
| Net operating income to assets | 1.1925% | 1,660 |
| Return on assets (ROA) | 1.3375% | 1,353 |
| Pretax return on assets | 1.3375% | 1,915 |
| Return on Equity (ROE) | 11.7596% | 1,401 |
| Retained earnings to average equity (ytd only) | 1.0148% | 4,097 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0257% | 4,809 |
| Assets per employee ($millions) | 22.2148% | 68 |
| Cash dividends to net income (ytd only)* | 91.3706% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 1,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 49.0284% | 4,204 |
| Net loans and leases to deposits | 57.3741% | 4,251 |
| Net loans and leases to core deposits | 58.2401% | 4,344 |
| Total domestic deposits to total assets | 85.4539% | 2,225 |
| Equity capital to assets | 10.4887% | 2,747 |
| Core capital (leverage) ratio | 9.8267% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0351% | 1,242 |
| Memoranda: | ||
| Average total assets | $412,415,667 | 1,775 |
| Average earning assets | $393,657,667 | 1,737 |
| Average equity | $46,906,333 | 1,769 |
| Average total loans | $214,456,000 | 2,127 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,402 |
| Cost of funding earning assets | 0.8035% | 2,371 |
| Net interest margin | 2.8936% | 4,438 |
| Noninterest income to average assets | 0.0820% | 4,887 |
| Noninterest expense to average assets | 1.2860% | 5,007 |
| Loan and lease loss provision to assets | 0.3602% | 854 |
| Net operating income to assets | 1.2020% | 1,510 |
| Return on assets (ROA) | 1.2020% | 1,626 |
| Pretax return on assets | 1.2020% | 2,190 |
| Return on Equity (ROE) | 10.0928% | 1,718 |
| Retained earnings to average equity (ytd only) | -11.8708% | 4,824 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1531% | 4,854 |
| Assets per employee ($millions) | 19.9436% | 65 |
| Cash dividends to net income (ytd only)* | 217.6166% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 49.7120% | 4,255 |
| Net loans and leases to deposits | 58.6570% | 4,266 |
| Net loans and leases to core deposits | 59.8220% | 4,365 |
| Total domestic deposits to total assets | 84.7503% | 2,510 |
| Equity capital to assets | 11.0965% | 2,779 |
| Core capital (leverage) ratio | 10.7756% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3792% | 1,507 |
| Memoranda: | ||
| Average total assets | $385,368,000 | 1,820 |
| Average earning assets | $368,398,500 | 1,787 |
| Average equity | $45,894,000 | 1,793 |
| Average total loans | $205,697,000 | 2,143 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 4,196 |
| Cost of funding earning assets | 0.9934% | 1,752 |
| Net interest margin | 3.0334% | 4,476 |
| Noninterest income to average assets | 0.1053% | 4,914 |
| Noninterest expense to average assets | 1.4136% | 5,034 |
| Loan and lease loss provision to assets | 0.2408% | 778 |
| Net operating income to assets | 1.3391% | 1,546 |
| Return on assets (ROA) | 1.3394% | 1,622 |
| Pretax return on assets | 1.3394% | 2,363 |
| Return on Equity (ROE) | 9.8396% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.8396% | 523 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2222% | 4,864 |
| Assets per employee ($millions) | 17.5960% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 1,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 56.1756% | 3,913 |
| Net loans and leases to deposits | 64.5773% | 4,036 |
| Net loans and leases to core deposits | 65.8799% | 4,193 |
| Total domestic deposits to total assets | 86.9897% | 1,614 |
| Equity capital to assets | 12.8762% | 1,599 |
| Core capital (leverage) ratio | 12.0178% | 1,762 |
| Tier 1 risk-based capital ratio | 19.4614% | 1,420 |
| Total risk-based capital ratio | 20.6189% | 1,405 |
| Memoranda: | ||
| Average total assets | $311,477,800 | 2,095 |
| Average earning assets | $296,562,600 | 2,048 |
| Average equity | $42,400,200 | 1,840 |
| Average total loans | $170,984,600 | 2,407 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 4,320 |
| Cost of funding earning assets | 0.9987% | 1,767 |
| Net interest margin | 3.0227% | 4,594 |
| Noninterest income to average assets | 0.1031% | 4,979 |
| Noninterest expense to average assets | 1.4060% | 5,110 |
| Loan and lease loss provision to assets | 0.2389% | 698 |
| Net operating income to assets | 1.3343% | 1,706 |
| Return on assets (ROA) | 1.3348% | 1,776 |
| Pretax return on assets | 1.3348% | 2,550 |
| Return on Equity (ROE) | 9.6530% | 2,598 |
| Retained earnings to average equity (ytd only) | 9.6530% | 848 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1933% | 4,891 |
| Assets per employee ($millions) | 17.1232% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 52.9005% | 4,262 |
| Net loans and leases to deposits | 60.9963% | 4,343 |
| Net loans and leases to core deposits | 62.0711% | 4,453 |
| Total domestic deposits to total assets | 86.7274% | 1,665 |
| Equity capital to assets | 13.0995% | 1,567 |
| Core capital (leverage) ratio | 12.7567% | 1,457 |
| Tier 1 risk-based capital ratio | 19.8921% | 1,377 |
| Total risk-based capital ratio | 21.0104% | 1,372 |
| Memoranda: | ||
| Average total assets | $301,367,250 | 2,176 |
| Average earning assets | $286,756,500 | 2,117 |
| Average equity | $41,671,750 | 1,868 |
| Average total loans | $163,663,500 | 2,494 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 4,347 |
| Cost of funding earning assets | 0.9715% | 1,820 |
| Net interest margin | 3.0425% | 4,615 |
| Noninterest income to average assets | 0.0966% | 5,053 |
| Noninterest expense to average assets | 1.4558% | 5,137 |
| Loan and lease loss provision to assets | 0.2885% | 488 |
| Net operating income to assets | 1.2459% | 1,978 |
| Return on assets (ROA) | 1.2459% | 2,033 |
| Pretax return on assets | 1.2459% | 2,764 |
| Return on Equity (ROE) | 8.8257% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.8257% | 1,086 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6864% | 4,858 |
| Assets per employee ($millions) | 17.0321% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.0968% | 4,407 |
| Net loans and leases to deposits | 58.5989% | 4,490 |
| Net loans and leases to core deposits | 59.6300% | 4,585 |
| Total domestic deposits to total assets | 87.1974% | 1,500 |
| Equity capital to assets | 12.6358% | 1,782 |
| Core capital (leverage) ratio | 13.3649% | 1,165 |
| Tier 1 risk-based capital ratio | 20.5159% | 1,250 |
| Total risk-based capital ratio | 21.6431% | 1,244 |
| Memoranda: | ||
| Average total assets | $287,668,330 | 2,253 |
| Average earning assets | $273,589,000 | 2,207 |
| Average equity | $40,608,670 | 1,904 |
| Average total loans | $157,041,000 | 2,583 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 4,123 |
| Cost of funding earning assets | 0.9356% | 1,861 |
| Net interest margin | 3.1658% | 4,466 |
| Noninterest income to average assets | 0.1026% | 5,069 |
| Noninterest expense to average assets | 1.5836% | 5,110 |
| Loan and lease loss provision to assets | 0.2680% | 522 |
| Net operating income to assets | 1.2620% | 1,839 |
| Return on assets (ROA) | 1.2620% | 1,889 |
| Pretax return on assets | 1.2620% | 2,590 |
| Return on Equity (ROE) | 8.3673% | 3,087 |
| Retained earnings to average equity (ytd only) | 8.3673% | 1,528 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8608% | 4,769 |
| Assets per employee ($millions) | 15.2873% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 55.3641% | 4,106 |
| Net loans and leases to deposits | 64.9777% | 4,125 |
| Net loans and leases to core deposits | 65.8563% | 4,286 |
| Total domestic deposits to total assets | 85.2048% | 2,598 |
| Equity capital to assets | 14.6284% | 844 |
| Core capital (leverage) ratio | 15.3019% | 636 |
| Tier 1 risk-based capital ratio | 22.2422% | 1,022 |
| Total risk-based capital ratio | 23.3620% | 1,015 |
| Memoranda: | ||
| Average total assets | $261,181,500 | 2,434 |
| Average earning assets | $248,406,500 | 2,394 |
| Average equity | $39,391,500 | 1,949 |
| Average total loans | $147,412,500 | 2,718 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7620% | 4,570 |
| Cost of funding earning assets | 0.6529% | 2,374 |
| Net interest margin | 3.1092% | 4,636 |
| Noninterest income to average assets | 0.1067% | 5,132 |
| Noninterest expense to average assets | 1.9071% | 4,885 |
| Loan and lease loss provision to assets | 0.6626% | 162 |
| Net operating income to assets | 0.4784% | 4,707 |
| Return on assets (ROA) | 0.4784% | 4,709 |
| Pretax return on assets | 0.4784% | 4,830 |
| Return on Equity (ROE) | 2.4042% | 4,991 |
| Retained earnings to average equity (ytd only) | 2.4042% | 4,179 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5667% | 3,419 |
| Assets per employee ($millions) | 13.7329% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 56.0908% | 4,126 |
| Net loans and leases to deposits | 66.5710% | 4,075 |
| Net loans and leases to core deposits | 67.5837% | 4,261 |
| Total domestic deposits to total assets | 84.2572% | 2,921 |
| Equity capital to assets | 15.5871% | 601 |
| Core capital (leverage) ratio | 15.5127% | 594 |
| Tier 1 risk-based capital ratio | 23.6686% | 851 |
| Total risk-based capital ratio | 24.7810% | 839 |
| Memoranda: | ||
| Average total assets | $184,572,400 | 3,011 |
| Average earning assets | $174,613,200 | 2,984 |
| Average equity | $36,727,600 | 1,998 |
| Average total loans | $93,203,400 | 3,419 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 4,865 |
| Cost of funding earning assets | 0.5515% | 2,855 |
| Net interest margin | 3.0030% | 4,838 |
| Noninterest income to average assets | 0.1089% | 5,177 |
| Noninterest expense to average assets | 2.0017% | 4,740 |
| Loan and lease loss provision to assets | 0.7080% | 140 |
| Net operating income to assets | 0.2360% | 5,171 |
| Return on assets (ROA) | 0.2360% | 5,166 |
| Pretax return on assets | 0.2360% | 5,186 |
| Return on Equity (ROE) | 1.0989% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.0989% | 4,828 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9528% | 2,548 |
| Assets per employee ($millions) | 12.6199% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 49.7689% | 4,614 |
| Net loans and leases to deposits | 59.3896% | 4,583 |
| Net loans and leases to core deposits | 59.6374% | 4,719 |
| Total domestic deposits to total assets | 83.8007% | 3,010 |
| Equity capital to assets | 16.0148% | 537 |
| Core capital (leverage) ratio | 18.0774% | 323 |
| Tier 1 risk-based capital ratio | 27.6062% | 591 |
| Total risk-based capital ratio | 28.6921% | 592 |
| Memoranda: | ||
| Average total assets | $168,917,500 | 3,208 |
| Average earning assets | $159,571,000 | 3,173 |
| Average equity | $36,277,000 | 2,022 |
| Average total loans | $81,384,750 | 3,666 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4337% | 4,997 |
| Cost of funding earning assets | 0.4473% | 3,378 |
| Net interest margin | 2.9864% | 4,895 |
| Noninterest income to average assets | 0.1137% | 5,217 |
| Noninterest expense to average assets | 2.1792% | 4,417 |
| Loan and lease loss provision to assets | 0.8187% | 108 |
| Net operating income to assets | -0.0615% | 5,366 |
| Return on assets (ROA) | -0.0615% | 5,359 |
| Pretax return on assets | -0.0615% | 5,360 |
| Return on Equity (ROE) | -0.2538% | 5,348 |
| Retained earnings to average equity (ytd only) | -0.2538% | 4,991 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2141% | 1,680 |
| Assets per employee ($millions) | 10.4894% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 48.9564% | 4,664 |
| Net loans and leases to deposits | 60.6343% | 4,497 |
| Net loans and leases to core deposits | 60.9494% | 4,659 |
| Total domestic deposits to total assets | 80.7403% | 4,067 |
| Equity capital to assets | 19.0764% | 262 |
| Core capital (leverage) ratio | 21.8241% | 168 |
| Tier 1 risk-based capital ratio | 32.7221% | 387 |
| Total risk-based capital ratio | 33.7856% | 385 |
| Memoranda: | ||
| Average total assets | $149,504,000 | 3,443 |
| Average earning assets | $141,305,670 | 3,394 |
| Average equity | $36,243,000 | 2,023 |
| Average total loans | $70,328,330 | 3,927 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 5,109 |
| Cost of funding earning assets | 0.3913% | 3,651 |
| Net interest margin | 2.9314% | 4,983 |
| Noninterest income to average assets | 0.1017% | 5,323 |
| Noninterest expense to average assets | 2.3873% | 3,981 |
| Loan and lease loss provision to assets | 0.8410% | 109 |
| Net operating income to assets | -0.3573% | 5,479 |
| Return on assets (ROA) | -0.3573% | 5,475 |
| Pretax return on assets | -0.3573% | 5,476 |
| Return on Equity (ROE) | -1.2763% | 5,429 |
| Retained earnings to average equity (ytd only) | -1.2763% | 4,938 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1545% | 855 |
| Assets per employee ($millions) | 8.9325% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 48.0430% | 4,695 |
| Net loans and leases to deposits | 64.3490% | 4,195 |
| Net loans and leases to core deposits | 64.8260% | 4,376 |
| Total domestic deposits to total assets | 74.6599% | 5,093 |
| Equity capital to assets | 25.1567% | 101 |
| Core capital (leverage) ratio | 27.4892% | 82 |
| Tier 1 risk-based capital ratio | 42.9570% | 195 |
| Total risk-based capital ratio | 43.9707% | 195 |
| Memoranda: | ||
| Average total assets | $129,851,500 | 3,752 |
| Average earning assets | $122,671,000 | 3,702 |
| Average equity | $36,355,500 | 2,024 |
| Average total loans | $58,668,000 | 4,231 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9348% | 5,655 |
| Cost of funding earning assets | 0.1744% | 5,127 |
| Net interest margin | 0.7604% | 5,656 |
| Noninterest income to average assets | 0.0022% | 5,612 |
| Noninterest expense to average assets | 2.6096% | 3,411 |
| Loan and lease loss provision to assets | 0.6494% | 189 |
| Net operating income to assets | -2.5288% | 5,645 |
| Return on assets (ROA) | -2.5288% | 5,645 |
| Pretax return on assets | -2.5288% | 5,646 |
| Return on Equity (ROE) | -6.3134% | 5,561 |
| Retained earnings to average equity (ytd only) | -6.3134% | 5,472 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 357.3746% | 5 |
| Assets per employee ($millions) | 7.2989% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 40.4117% | 5,122 |
| Net loans and leases to deposits | 59.1826% | 4,626 |
| Net loans and leases to core deposits | 59.3942% | 4,785 |
| Total domestic deposits to total assets | 68.2831% | 5,463 |
| Equity capital to assets | 31.4746% | 60 |
| Core capital (leverage) ratio | 37.8679% | 46 |
| Tier 1 risk-based capital ratio | 65.7838% | 71 |
| Total risk-based capital ratio | 66.8507% | 70 |
| Memoranda: | ||
| Average total assets | $92,850,000 | 4,374 |
| Average earning assets | $88,897,000 | 4,311 |
| Average equity | $37,191,000 | 1,967 |
| Average total loans | $32,779,000 | 4,929 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3990% | 5,734 |
| Cost of funding earning assets | 0.1337% | 5,410 |
| Net interest margin | 0.2654% | 5,733 |
| Noninterest income to average assets | 0.0000% | 5,683 |
| Noninterest expense to average assets | 3.2502% | 1,457 |
| Loan and lease loss provision to assets | 0.5552% | 202 |
| Net operating income to assets | -3.5520% | 5,722 |
| Return on assets (ROA) | -3.5520% | 5,722 |
| Pretax return on assets | -3.5520% | 5,722 |
| Return on Equity (ROE) | -6.5062% | 5,645 |
| Retained earnings to average equity (ytd only) | -6.5062% | 5,575 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,282.4427% | 2 |
| Assets per employee ($millions) | 4.3073% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 1,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 25.3551% | 5,582 |
| Net loans and leases to deposits | 56.2154% | 4,863 |
| Net loans and leases to core deposits | 56.2154% | 4,994 |
| Total domestic deposits to total assets | 45.1035% | 5,693 |
| Equity capital to assets | 54.5947% | 35 |
| Core capital (leverage) ratio | 98.6477% | 2 |
| Tier 1 risk-based capital ratio | 184.6093% | 24 |
| Total risk-based capital ratio | 185.8600% | 24 |
| Memoranda: | ||
| Average total assets | $68,917,000 | 4,843 |
| Average earning assets | $65,822,000 | 4,794 |
| Average equity | $37,625,000 | 1,957 |
| Average total loans | $17,761,000 | 5,425 |