Home > WNB FINANCIAL, N.A. > Performance and Condition Ratios
WNB FINANCIAL, N.A., 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 | 4.0835% | 3,833 |
| Cost of funding earning assets | 1.1068% | 3,050 |
| Net interest margin | 2.9768% | 3,336 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 2.8164% | 1,460 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.6698% | 3,265 |
| Return on assets (ROA) | 0.6681% | 3,255 |
| Pretax return on assets | 0.8027% | 3,208 |
| Return on Equity (ROE) | 7.7900% | 3,082 |
| Retained earnings to average equity (ytd only) | 3.6870% | 3,060 |
| Net charge-offs to loans | 0.0365% | 1,578 |
| Credit loss provision to net charge-offs | 243.8017% | 1,090 |
| Earnings coverage of net charge-offs (x) | 39.7934% | 1,449 |
| Efficiency ratio | 75.7912% | 1,266 |
| Assets per employee ($millions) | 5.3948% | 3,330 |
| Cash dividends to net income (ytd only)* | 52.6652% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 1,882 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,164 |
| Noncurrent loans to loans | 0.0556% | 3,324 |
| Net loans and leases to total assets | 59.3600% | 2,900 |
| Net loans and leases to deposits | 71.4190% | 2,789 |
| Net loans and leases to core deposits | 76.7508% | 2,930 |
| Total domestic deposits to total assets | 83.1200% | 2,864 |
| Equity capital to assets | 8.8150% | 2,808 |
| Core capital (leverage) ratio | 9.5353% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $561,630,400 | 1,577 |
| Average earning assets | $512,303,400 | 1,599 |
| Average equity | $48,168,600 | 1,655 |
| Average total loans | $331,549,800 | 1,678 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 3,887 |
| Cost of funding earning assets | 0.9779% | 3,097 |
| Net interest margin | 3.0004% | 3,346 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 2.8384% | 1,351 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6185% | 3,496 |
| Return on assets (ROA) | 0.6177% | 3,492 |
| Pretax return on assets | 0.8343% | 3,254 |
| Return on Equity (ROE) | 7.2500% | 3,365 |
| Retained earnings to average equity (ytd only) | 3.0069% | 3,507 |
| Net charge-offs to loans | 0.0346% | 1,396 |
| Credit loss provision to net charge-offs | 288.2353% | 913 |
| Earnings coverage of net charge-offs (x) | 43.9882% | 1,394 |
| Efficiency ratio | 75.1665% | 1,255 |
| Assets per employee ($millions) | 5.4057% | 3,258 |
| Cash dividends to net income (ytd only)* | 58.5526% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 1,816 |
| Loan loss allowance to noncurrent loans | 80.4838% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 563 |
| Noncurrent loans to loans | 1.6300% | 420 |
| Net loans and leases to total assets | 57.5500% | 3,065 |
| Net loans and leases to deposits | 68.7358% | 2,927 |
| Net loans and leases to core deposits | 73.3012% | 3,036 |
| Total domestic deposits to total assets | 83.7300% | 2,853 |
| Equity capital to assets | 8.2536% | 2,885 |
| Core capital (leverage) ratio | 9.6484% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $557,727,750 | 1,587 |
| Average earning assets | $508,846,500 | 1,603 |
| Average equity | $47,489,750 | 1,660 |
| Average total loans | $327,660,750 | 1,694 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 3,736 |
| Cost of funding earning assets | 0.8480% | 3,078 |
| Net interest margin | 3.1286% | 3,156 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.8669% | 1,287 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6297% | 3,506 |
| Return on assets (ROA) | 0.6289% | 3,519 |
| Pretax return on assets | 0.8558% | 3,273 |
| Return on Equity (ROE) | 7.3100% | 3,410 |
| Retained earnings to average equity (ytd only) | 2.7718% | 3,543 |
| Net charge-offs to loans | 0.0358% | 1,188 |
| Credit loss provision to net charge-offs | 344.8276% | 793 |
| Earnings coverage of net charge-offs (x) | 44.1379% | 1,349 |
| Efficiency ratio | 74.6366% | 1,289 |
| Assets per employee ($millions) | 5.5227% | 3,130 |
| Cash dividends to net income (ytd only)* | 62.0670% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 1,812 |
| Loan loss allowance to noncurrent loans | 1,608.3942% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 3,287 |
| Noncurrent loans to loans | 0.0825% | 3,100 |
| Net loans and leases to total assets | 58.7300% | 2,894 |
| Net loans and leases to deposits | 69.3937% | 2,833 |
| Net loans and leases to core deposits | 73.0485% | 2,956 |
| Total domestic deposits to total assets | 84.6300% | 2,651 |
| Equity capital to assets | 8.5894% | 2,790 |
| Core capital (leverage) ratio | 9.7086% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $550,832,333 | 1,603 |
| Average earning assets | $502,133,667 | 1,629 |
| Average equity | $47,406,333 | 1,664 |
| Average total loans | $324,446,333 | 1,688 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,792 |
| Cost of funding earning assets | 0.6302% | 3,290 |
| Net interest margin | 3.2033% | 3,110 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 2.8632% | 1,308 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.7366% | 3,378 |
| Return on assets (ROA) | 0.7366% | 3,338 |
| Pretax return on assets | 1.0136% | 2,948 |
| Return on Equity (ROE) | 8.5500% | 3,168 |
| Retained earnings to average equity (ytd only) | 3.9445% | 3,283 |
| Net charge-offs to loans | -0.0012% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9808% | 1,642 |
| Assets per employee ($millions) | 5.4297% | 3,290 |
| Cash dividends to net income (ytd only)* | 53.8690% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,751 |
| Loan loss allowance to noncurrent loans | 3,907.9646% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,590 |
| Noncurrent loans to loans | 0.0350% | 3,494 |
| Net loans and leases to total assets | 58.1100% | 2,863 |
| Net loans and leases to deposits | 68.5716% | 2,727 |
| Net loans and leases to core deposits | 72.1857% | 2,806 |
| Total domestic deposits to total assets | 84.7500% | 2,918 |
| Equity capital to assets | 8.8122% | 2,656 |
| Core capital (leverage) ratio | 9.9510% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $547,352,500 | 1,632 |
| Average earning assets | $497,604,500 | 1,661 |
| Average equity | $47,154,000 | 1,683 |
| Average total loans | $320,676,000 | 1,721 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3792% | 3,403 |
| Cost of funding earning assets | 0.2660% | 3,196 |
| Net interest margin | 3.1132% | 3,140 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 2.6678% | 1,635 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8519% | 3,141 |
| Return on assets (ROA) | 0.8519% | 3,077 |
| Pretax return on assets | 1.1824% | 2,501 |
| Return on Equity (ROE) | 9.6700% | 2,913 |
| Retained earnings to average equity (ytd only) | 3.3096% | 3,626 |
| Net charge-offs to loans | 0.0095% | 2,020 |
| Credit loss provision to net charge-offs | 1,071.4286% | 407 |
| Earnings coverage of net charge-offs (x) | 247.2143% | 552 |
| Efficiency ratio | 67.3741% | 2,039 |
| Assets per employee ($millions) | 5.4631% | 3,256 |
| Cash dividends to net income (ytd only)* | 65.7724% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 1,719 |
| Loan loss allowance to noncurrent loans | 3,614.4068% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,604 |
| Noncurrent loans to loans | 0.0371% | 3,512 |
| Net loans and leases to total assets | 57.4700% | 2,875 |
| Net loans and leases to deposits | 63.1129% | 3,107 |
| Net loans and leases to core deposits | 64.8710% | 3,211 |
| Total domestic deposits to total assets | 91.0600% | 936 |
| Equity capital to assets | 8.4169% | 2,763 |
| Core capital (leverage) ratio | 9.5412% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $560,049,600 | 1,586 |
| Average earning assets | $516,631,600 | 1,587 |
| Average equity | $49,341,200 | 1,636 |
| Average total loans | $294,909,400 | 1,745 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2316% | 3,358 |
| Cost of funding earning assets | 0.2442% | 2,768 |
| Net interest margin | 2.9874% | 3,250 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 2.6728% | 1,524 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8334% | 3,119 |
| Return on assets (ROA) | 0.8334% | 3,088 |
| Pretax return on assets | 1.1639% | 2,508 |
| Return on Equity (ROE) | 9.3600% | 2,918 |
| Retained earnings to average equity (ytd only) | 2.4205% | 3,932 |
| Net charge-offs to loans | 0.0636% | 855 |
| Credit loss provision to net charge-offs | 108.6957% | 1,281 |
| Earnings coverage of net charge-offs (x) | 36.7319% | 1,421 |
| Efficiency ratio | 68.0354% | 2,021 |
| Assets per employee ($millions) | 5.3783% | 3,348 |
| Cash dividends to net income (ytd only)* | 74.1340% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,971 |
| Loan loss allowance to noncurrent loans | 1,279.2332% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,308 |
| Noncurrent loans to loans | 0.1028% | 3,144 |
| Net loans and leases to total assets | 54.2600% | 3,075 |
| Net loans and leases to deposits | 58.7841% | 3,289 |
| Net loans and leases to core deposits | 60.5103% | 3,346 |
| Total domestic deposits to total assets | 92.3100% | 776 |
| Equity capital to assets | 7.1104% | 3,453 |
| Core capital (leverage) ratio | 9.3169% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $563,485,500 | 1,584 |
| Average earning assets | $522,046,750 | 1,585 |
| Average equity | $50,181,000 | 1,646 |
| Average total loans | $289,077,750 | 1,770 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0737% | 3,367 |
| Cost of funding earning assets | 0.2307% | 2,495 |
| Net interest margin | 2.8431% | 3,309 |
| Noninterest income to average assets | 1.1421% | 519 |
| Noninterest expense to average assets | 2.6079% | 1,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8308% | 2,847 |
| Return on assets (ROA) | 0.8308% | 2,824 |
| Pretax return on assets | 1.1750% | 2,152 |
| Return on Equity (ROE) | 8.7545% | 2,771 |
| Retained earnings to average equity (ytd only) | 0.9892% | 3,998 |
| Net charge-offs to loans | 0.0275% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 85.3590% | 899 |
| Efficiency ratio | 67.9325% | 2,253 |
| Assets per employee ($millions) | 5.7872% | 2,936 |
| Cash dividends to net income (ytd only)* | 88.7001% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 2,044 |
| Loan loss allowance to noncurrent loans | 1,464.0741% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,489 |
| Noncurrent loans to loans | 0.0909% | 3,315 |
| Net loans and leases to total assets | 52.1932% | 3,132 |
| Net loans and leases to deposits | 57.0906% | 3,299 |
| Net loans and leases to core deposits | 58.7771% | 3,367 |
| Total domestic deposits to total assets | 91.4217% | 1,052 |
| Equity capital to assets | 8.0825% | 3,054 |
| Core capital (leverage) ratio | 9.1266% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $566,658,333 | 1,586 |
| Average earning assets | $526,329,667 | 1,596 |
| Average equity | $53,778,333 | 1,590 |
| Average total loans | $283,899,667 | 1,782 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 3,305 |
| Cost of funding earning assets | 0.2269% | 2,443 |
| Net interest margin | 2.7560% | 3,262 |
| Noninterest income to average assets | 1.2598% | 444 |
| Noninterest expense to average assets | 2.5870% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8473% | 2,494 |
| Return on assets (ROA) | 0.8473% | 2,486 |
| Pretax return on assets | 1.2415% | 1,678 |
| Return on Equity (ROE) | 8.3199% | 2,576 |
| Retained earnings to average equity (ytd only) | -0.1104% | 4,028 |
| Net charge-offs to loans | 0.0577% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 44.1750% | 969 |
| Efficiency ratio | 66.5810% | 2,693 |
| Assets per employee ($millions) | 5.8148% | 2,985 |
| Cash dividends to net income (ytd only)* | 101.3267% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,826 |
| Loan loss allowance to noncurrent loans | 1,421.5827% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,521 |
| Noncurrent loans to loans | 0.1000% | 3,340 |
| Net loans and leases to total assets | 49.0815% | 3,269 |
| Net loans and leases to deposits | 54.6141% | 3,368 |
| Net loans and leases to core deposits | 56.2654% | 3,428 |
| Total domestic deposits to total assets | 89.8696% | 1,646 |
| Equity capital to assets | 9.6959% | 2,137 |
| Core capital (leverage) ratio | 9.2747% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,308,000 | 1,582 |
| Average earning assets | $530,633,500 | 1,587 |
| Average equity | $57,981,500 | 1,526 |
| Average total loans | $277,377,500 | 1,803 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3510% | 3,049 |
| Cost of funding earning assets | 0.2604% | 2,806 |
| Net interest margin | 3.0906% | 2,937 |
| Noninterest income to average assets | 1.2435% | 686 |
| Noninterest expense to average assets | 2.6451% | 1,762 |
| Loan and lease loss provision to assets | 0.0370% | 2,303 |
| Net operating income to assets | 1.4506% | 1,134 |
| Return on assets (ROA) | 1.4506% | 1,208 |
| Pretax return on assets | 1.4506% | 1,880 |
| Return on Equity (ROE) | 12.4994% | 1,648 |
| Retained earnings to average equity (ytd only) | 4.4255% | 3,039 |
| Net charge-offs to loans | 0.0022% | 2,556 |
| Credit loss provision to net charge-offs | 3,333.3333% | 199 |
| Earnings coverage of net charge-offs (x) | 1,341.5000% | 110 |
| Efficiency ratio | 62.8997% | 2,730 |
| Assets per employee ($millions) | 6.0458% | 2,721 |
| Cash dividends to net income (ytd only)* | 64.5942% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,759 |
| Loan loss allowance to noncurrent loans | 1,330.6667% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,609 |
| Noncurrent loans to loans | 0.1084% | 3,383 |
| Net loans and leases to total assets | 47.0073% | 3,601 |
| Net loans and leases to deposits | 52.8655% | 3,674 |
| Net loans and leases to core deposits | 54.4159% | 3,729 |
| Total domestic deposits to total assets | 88.9187% | 1,558 |
| Equity capital to assets | 10.6545% | 2,044 |
| Core capital (leverage) ratio | 9.1710% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $541,070,600 | 1,598 |
| Average earning assets | $505,817,400 | 1,586 |
| Average equity | $62,795,200 | 1,460 |
| Average total loans | $278,071,600 | 1,797 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4440% | 2,977 |
| Cost of funding earning assets | 0.2644% | 2,963 |
| Net interest margin | 3.1795% | 2,792 |
| Noninterest income to average assets | 1.2750% | 718 |
| Noninterest expense to average assets | 2.6862% | 1,624 |
| Loan and lease loss provision to assets | 0.0503% | 1,990 |
| Net operating income to assets | 1.5079% | 1,253 |
| Return on assets (ROA) | 1.5079% | 1,303 |
| Pretax return on assets | 1.5079% | 1,977 |
| Return on Equity (ROE) | 12.7081% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.0236% | 3,210 |
| Net charge-offs to loans | -0.0024% | 3,256 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1726% | 2,666 |
| Assets per employee ($millions) | 5.8457% | 2,837 |
| Cash dividends to net income (ytd only)* | 60.4694% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,807 |
| Loan loss allowance to noncurrent loans | 1,274.8408% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,708 |
| Noncurrent loans to loans | 0.1139% | 3,520 |
| Net loans and leases to total assets | 48.4053% | 3,585 |
| Net loans and leases to deposits | 54.8469% | 3,669 |
| Net loans and leases to core deposits | 56.5163% | 3,733 |
| Total domestic deposits to total assets | 88.2555% | 1,685 |
| Equity capital to assets | 11.3019% | 1,811 |
| Core capital (leverage) ratio | 9.5761% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $531,240,000 | 1,632 |
| Average earning assets | $496,119,500 | 1,628 |
| Average equity | $63,034,500 | 1,477 |
| Average total loans | $278,384,750 | 1,832 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 3,300 |
| Cost of funding earning assets | 0.2708% | 3,079 |
| Net interest margin | 3.0820% | 3,082 |
| Noninterest income to average assets | 1.3851% | 619 |
| Noninterest expense to average assets | 2.7537% | 1,457 |
| Loan and lease loss provision to assets | 0.0767% | 1,554 |
| Net operating income to assets | 1.4327% | 1,475 |
| Return on assets (ROA) | 1.4327% | 1,538 |
| Pretax return on assets | 1.4327% | 2,233 |
| Return on Equity (ROE) | 11.8720% | 2,118 |
| Retained earnings to average equity (ytd only) | 4.4226% | 3,390 |
| Net charge-offs to loans | -0.0029% | 3,273 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4506% | 2,503 |
| Assets per employee ($millions) | 5.7053% | 2,890 |
| Cash dividends to net income (ytd only)* | 62.7477% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 2,031 |
| Loan loss allowance to noncurrent loans | 899.3258% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 3,616 |
| Noncurrent loans to loans | 0.1543% | 3,430 |
| Net loans and leases to total assets | 51.9244% | 3,350 |
| Net loans and leases to deposits | 58.8730% | 3,469 |
| Net loans and leases to core deposits | 60.7200% | 3,568 |
| Total domestic deposits to total assets | 88.1973% | 1,720 |
| Equity capital to assets | 11.3986% | 1,700 |
| Core capital (leverage) ratio | 9.6088% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $521,257,333 | 1,652 |
| Average earning assets | $486,766,000 | 1,646 |
| Average equity | $62,904,333 | 1,467 |
| Average total loans | $279,297,000 | 1,839 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 3,147 |
| Cost of funding earning assets | 0.2778% | 3,203 |
| Net interest margin | 3.1392% | 2,877 |
| Noninterest income to average assets | 1.5755% | 559 |
| Noninterest expense to average assets | 2.9352% | 1,100 |
| Loan and lease loss provision to assets | 0.1575% | 811 |
| Net operating income to assets | 1.4101% | 1,540 |
| Return on assets (ROA) | 1.4101% | 1,613 |
| Pretax return on assets | 1.4101% | 2,254 |
| Return on Equity (ROE) | 11.3460% | 2,251 |
| Retained earnings to average equity (ytd only) | 3.7567% | 3,576 |
| Net charge-offs to loans | -0.0116% | 3,731 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0846% | 2,454 |
| Assets per employee ($millions) | 5.3587% | 3,269 |
| Cash dividends to net income (ytd only)* | 66.8900% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 1,849 |
| Loan loss allowance to noncurrent loans | 555.6172% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,421 |
| Noncurrent loans to loans | 0.2569% | 3,185 |
| Net loans and leases to total assets | 53.7752% | 3,270 |
| Net loans and leases to deposits | 61.3367% | 3,383 |
| Net loans and leases to core deposits | 63.3390% | 3,471 |
| Total domestic deposits to total assets | 87.6721% | 2,009 |
| Equity capital to assets | 11.8775% | 1,345 |
| Core capital (leverage) ratio | 10.1286% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,033,000 | 1,667 |
| Average earning assets | $473,755,500 | 1,670 |
| Average equity | $63,141,000 | 1,447 |
| Average total loans | $274,748,000 | 1,859 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 3,269 |
| Cost of funding earning assets | 0.4203% | 3,458 |
| Net interest margin | 3.3912% | 2,808 |
| Noninterest income to average assets | 1.4389% | 578 |
| Noninterest expense to average assets | 3.0215% | 1,390 |
| Loan and lease loss provision to assets | 0.2077% | 1,899 |
| Net operating income to assets | 1.3512% | 1,122 |
| Return on assets (ROA) | 1.5758% | 732 |
| Pretax return on assets | 1.5758% | 1,121 |
| Return on Equity (ROE) | 11.7457% | 1,395 |
| Retained earnings to average equity (ytd only) | 8.2174% | 990 |
| Net charge-offs to loans | -0.0011% | 3,954 |
| Credit loss provision to net charge-offs | -32,066.6667% | 4,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6080% | 2,729 |
| Assets per employee ($millions) | 5.2253% | 3,123 |
| Cash dividends to net income (ytd only)* | 30.0397% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,925 |
| Loan loss allowance to noncurrent loans | 501.0554% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,441 |
| Noncurrent loans to loans | 0.2819% | 3,192 |
| Net loans and leases to total assets | 52.8383% | 3,594 |
| Net loans and leases to deposits | 61.0720% | 3,676 |
| Net loans and leases to core deposits | 63.1052% | 3,765 |
| Total domestic deposits to total assets | 86.5182% | 2,137 |
| Equity capital to assets | 12.9936% | 1,088 |
| Core capital (leverage) ratio | 9.8936% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,076,400 | 1,656 |
| Average earning assets | $428,989,000 | 1,665 |
| Average equity | $62,124,600 | 1,409 |
| Average total loans | $266,626,000 | 1,843 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8494% | 3,415 |
| Cost of funding earning assets | 0.4455% | 3,548 |
| Net interest margin | 3.4039% | 2,908 |
| Noninterest income to average assets | 1.3920% | 574 |
| Noninterest expense to average assets | 3.0592% | 1,318 |
| Loan and lease loss provision to assets | 0.1740% | 2,242 |
| Net operating income to assets | 1.3064% | 1,344 |
| Return on assets (ROA) | 1.6122% | 774 |
| Pretax return on assets | 1.6122% | 1,157 |
| Return on Equity (ROE) | 11.9139% | 1,394 |
| Retained earnings to average equity (ytd only) | 8.9327% | 998 |
| Net charge-offs to loans | -0.0030% | 3,947 |
| Credit loss provision to net charge-offs | -9,866.6667% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9499% | 2,472 |
| Assets per employee ($millions) | 5.4466% | 2,756 |
| Cash dividends to net income (ytd only)* | 25.0228% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,584 |
| Loan loss allowance to noncurrent loans | 297.1429% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 3,157 |
| Noncurrent loans to loans | 0.4088% | 2,828 |
| Net loans and leases to total assets | 56.3057% | 3,593 |
| Net loans and leases to deposits | 65.0730% | 3,695 |
| Net loans and leases to core deposits | 67.0366% | 3,822 |
| Total domestic deposits to total assets | 86.5270% | 1,847 |
| Equity capital to assets | 12.9631% | 1,199 |
| Core capital (leverage) ratio | 10.0845% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,438,000 | 1,669 |
| Average earning assets | $419,309,750 | 1,675 |
| Average equity | $61,360,750 | 1,411 |
| Average total loans | $266,069,750 | 1,834 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,530 |
| Cost of funding earning assets | 0.4657% | 3,719 |
| Net interest margin | 3.4647% | 2,905 |
| Noninterest income to average assets | 1.1721% | 728 |
| Noninterest expense to average assets | 3.1240% | 1,298 |
| Loan and lease loss provision to assets | 0.1793% | 2,226 |
| Net operating income to assets | 1.0656% | 2,092 |
| Return on assets (ROA) | 1.4739% | 1,060 |
| Pretax return on assets | 1.4739% | 1,520 |
| Return on Equity (ROE) | 10.7223% | 1,732 |
| Retained earnings to average equity (ytd only) | 8.0798% | 1,278 |
| Net charge-offs to loans | 0.0507% | 1,760 |
| Credit loss provision to net charge-offs | 596.9697% | 1,117 |
| Earnings coverage of net charge-offs (x) | 41.4394% | 1,225 |
| Efficiency ratio | 69.9625% | 1,961 |
| Assets per employee ($millions) | 5.4469% | 2,695 |
| Cash dividends to net income (ytd only)* | 24.6448% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 2,983 |
| Loan loss allowance to noncurrent loans | 233.2841% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 3,076 |
| Noncurrent loans to loans | 0.4770% | 2,718 |
| Net loans and leases to total assets | 57.3043% | 3,578 |
| Net loans and leases to deposits | 69.4891% | 3,460 |
| Net loans and leases to core deposits | 71.8480% | 3,599 |
| Total domestic deposits to total assets | 82.4652% | 3,249 |
| Equity capital to assets | 12.8429% | 1,223 |
| Core capital (leverage) ratio | 10.3114% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,371,667 | 1,686 |
| Average earning assets | $405,402,667 | 1,693 |
| Average equity | $60,397,667 | 1,422 |
| Average total loans | $260,591,667 | 1,842 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 3,422 |
| Cost of funding earning assets | 0.4764% | 4,041 |
| Net interest margin | 3.6568% | 2,488 |
| Noninterest income to average assets | 1.0465% | 777 |
| Noninterest expense to average assets | 3.3985% | 1,069 |
| Loan and lease loss provision to assets | 0.1594% | 1,814 |
| Net operating income to assets | 0.8484% | 2,718 |
| Return on assets (ROA) | 1.7152% | 551 |
| Pretax return on assets | 1.7152% | 836 |
| Return on Equity (ROE) | 12.0101% | 1,103 |
| Retained earnings to average equity (ytd only) | 9.5336% | 839 |
| Net charge-offs to loans | 0.1141% | 1,017 |
| Credit loss provision to net charge-offs | 232.3944% | 1,333 |
| Earnings coverage of net charge-offs (x) | 14.6901% | 1,587 |
| Efficiency ratio | 75.5044% | 1,619 |
| Assets per employee ($millions) | 4.5824% | 3,152 |
| Cash dividends to net income (ytd only)* | 20.6197% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,920 |
| Loan loss allowance to noncurrent loans | 321.2953% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 3,419 |
| Noncurrent loans to loans | 0.3590% | 3,211 |
| Net loans and leases to total assets | 60.8252% | 3,420 |
| Net loans and leases to deposits | 71.6831% | 3,460 |
| Net loans and leases to core deposits | 74.7893% | 3,584 |
| Total domestic deposits to total assets | 84.8529% | 2,459 |
| Equity capital to assets | 14.5351% | 883 |
| Core capital (leverage) ratio | 11.4094% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,945,000 | 1,724 |
| Average earning assets | $380,337,500 | 1,735 |
| Average equity | $59,117,000 | 1,434 |
| Average total loans | $248,847,000 | 1,867 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 3,453 |
| Cost of funding earning assets | 0.4831% | 4,161 |
| Net interest margin | 3.8481% | 2,343 |
| Noninterest income to average assets | 0.8983% | 1,178 |
| Noninterest expense to average assets | 3.2549% | 1,395 |
| Loan and lease loss provision to assets | 0.1046% | 1,976 |
| Net operating income to assets | 1.0745% | 2,552 |
| Return on assets (ROA) | 1.2544% | 1,937 |
| Pretax return on assets | 1.2544% | 2,652 |
| Return on Equity (ROE) | 9.3861% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.5736% | 1,576 |
| Net charge-offs to loans | 0.0807% | 1,950 |
| Credit loss provision to net charge-offs | 219.0000% | 1,211 |
| Earnings coverage of net charge-offs (x) | 24.6900% | 1,763 |
| Efficiency ratio | 71.5871% | 1,932 |
| Assets per employee ($millions) | 4.6164% | 3,064 |
| Cash dividends to net income (ytd only)* | 29.9638% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 2,633 |
| Loan loss allowance to noncurrent loans | 532.5188% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 3,805 |
| Noncurrent loans to loans | 0.2181% | 3,672 |
| Net loans and leases to total assets | 58.0255% | 3,765 |
| Net loans and leases to deposits | 68.0455% | 3,816 |
| Net loans and leases to core deposits | 71.0766% | 3,912 |
| Total domestic deposits to total assets | 85.2747% | 2,390 |
| Equity capital to assets | 14.0295% | 1,084 |
| Core capital (leverage) ratio | 10.6706% | 2,791 |
| Tier 1 risk-based capital ratio | 15.7831% | 2,477 |
| Total risk-based capital ratio | 16.8038% | 2,495 |
| Memoranda: | ||
| Average total assets | $418,780,000 | 1,676 |
| Average earning assets | $384,789,800 | 1,687 |
| Average equity | $55,966,000 | 1,441 |
| Average total loans | $247,742,600 | 1,837 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 3,549 |
| Cost of funding earning assets | 0.4829% | 4,208 |
| Net interest margin | 3.8574% | 2,410 |
| Noninterest income to average assets | 0.8039% | 1,404 |
| Noninterest expense to average assets | 3.2445% | 1,382 |
| Loan and lease loss provision to assets | 0.0953% | 2,011 |
| Net operating income to assets | 1.0076% | 2,956 |
| Return on assets (ROA) | 1.2469% | 2,105 |
| Pretax return on assets | 1.2469% | 2,827 |
| Return on Equity (ROE) | 9.4463% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.8609% | 1,926 |
| Net charge-offs to loans | 0.0970% | 1,501 |
| Credit loss provision to net charge-offs | 165.7459% | 1,522 |
| Earnings coverage of net charge-offs (x) | 19.1766% | 2,014 |
| Efficiency ratio | 72.7379% | 1,734 |
| Assets per employee ($millions) | 4.6393% | 2,989 |
| Cash dividends to net income (ytd only)* | 27.3699% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,042 |
| Loan loss allowance to noncurrent loans | 514.0152% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 3,890 |
| Noncurrent loans to loans | 0.2134% | 3,771 |
| Net loans and leases to total assets | 58.5960% | 3,817 |
| Net loans and leases to deposits | 68.5454% | 3,881 |
| Net loans and leases to core deposits | 71.4938% | 3,979 |
| Total domestic deposits to total assets | 85.4850% | 2,216 |
| Equity capital to assets | 13.8676% | 1,205 |
| Core capital (leverage) ratio | 10.7880% | 2,849 |
| Tier 1 risk-based capital ratio | 15.3993% | 2,673 |
| Total risk-based capital ratio | 16.3736% | 2,725 |
| Memoranda: | ||
| Average total assets | $419,606,500 | 1,680 |
| Average earning assets | $385,469,000 | 1,696 |
| Average equity | $55,385,250 | 1,461 |
| Average total loans | $248,699,750 | 1,845 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 3,578 |
| Cost of funding earning assets | 0.4835% | 4,187 |
| Net interest margin | 3.8379% | 2,445 |
| Noninterest income to average assets | 0.7742% | 1,430 |
| Noninterest expense to average assets | 3.2843% | 1,311 |
| Loan and lease loss provision to assets | 0.0999% | 1,872 |
| Net operating income to assets | 0.9179% | 3,215 |
| Return on assets (ROA) | 0.9455% | 3,176 |
| Pretax return on assets | 0.9455% | 3,725 |
| Return on Equity (ROE) | 7.2855% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.5429% | 3,001 |
| Net charge-offs to loans | 0.0907% | 1,454 |
| Credit loss provision to net charge-offs | 185.8407% | 1,287 |
| Earnings coverage of net charge-offs (x) | 18.9292% | 1,841 |
| Efficiency ratio | 74.4276% | 1,593 |
| Assets per employee ($millions) | 4.5990% | 3,004 |
| Cash dividends to net income (ytd only)* | 37.6447% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,234 |
| Loan loss allowance to noncurrent loans | 648.6747% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 4,010 |
| Noncurrent loans to loans | 0.1650% | 3,960 |
| Net loans and leases to total assets | 60.1325% | 3,723 |
| Net loans and leases to deposits | 71.6135% | 3,715 |
| Net loans and leases to core deposits | 74.5504% | 3,857 |
| Total domestic deposits to total assets | 83.9682% | 2,883 |
| Equity capital to assets | 13.6710% | 1,254 |
| Core capital (leverage) ratio | 10.1988% | 3,384 |
| Tier 1 risk-based capital ratio | 15.2850% | 2,720 |
| Total risk-based capital ratio | 16.2837% | 2,748 |
| Memoranda: | ||
| Average total assets | $420,297,000 | 1,681 |
| Average earning assets | $386,352,330 | 1,695 |
| Average equity | $54,546,330 | 1,469 |
| Average total loans | $249,142,000 | 1,848 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 3,641 |
| Cost of funding earning assets | 0.4956% | 4,079 |
| Net interest margin | 3.7763% | 2,609 |
| Noninterest income to average assets | 0.9068% | 1,030 |
| Noninterest expense to average assets | 3.4787% | 995 |
| Loan and lease loss provision to assets | 0.0548% | 2,573 |
| Net operating income to assets | 0.8491% | 3,459 |
| Return on assets (ROA) | 0.8709% | 3,397 |
| Pretax return on assets | 0.8709% | 3,859 |
| Return on Equity (ROE) | 6.8900% | 3,715 |
| Retained earnings to average equity (ytd only) | 3.5123% | 3,512 |
| Net charge-offs to loans | -0.0032% | 3,933 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5216% | 1,324 |
| Assets per employee ($millions) | 4.5141% | 3,167 |
| Cash dividends to net income (ytd only)* | 49.0239% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,307 |
| Loan loss allowance to noncurrent loans | 896.9595% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 4,187 |
| Noncurrent loans to loans | 0.1192% | 4,206 |
| Net loans and leases to total assets | 59.1779% | 3,772 |
| Net loans and leases to deposits | 68.9344% | 3,845 |
| Net loans and leases to core deposits | 73.3952% | 3,834 |
| Total domestic deposits to total assets | 85.8467% | 2,342 |
| Equity capital to assets | 13.0801% | 1,407 |
| Core capital (leverage) ratio | 9.8648% | 3,745 |
| Tier 1 risk-based capital ratio | 15.0844% | 2,850 |
| Total risk-based capital ratio | 16.0771% | 2,884 |
| Memoranda: | ||
| Average total assets | $423,488,500 | 1,667 |
| Average earning assets | $389,795,000 | 1,684 |
| Average equity | $53,526,500 | 1,483 |
| Average total loans | $247,918,500 | 1,865 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 3,839 |
| Cost of funding earning assets | 0.3746% | 4,132 |
| Net interest margin | 3.6961% | 3,045 |
| Noninterest income to average assets | 1.3323% | 517 |
| Noninterest expense to average assets | 3.6302% | 836 |
| Loan and lease loss provision to assets | 0.1857% | 1,041 |
| Net operating income to assets | 1.0348% | 2,864 |
| Return on assets (ROA) | 1.4627% | 1,218 |
| Pretax return on assets | 1.4627% | 1,901 |
| Return on Equity (ROE) | 11.5895% | 1,868 |
| Retained earnings to average equity (ytd only) | 8.1047% | 1,184 |
| Net charge-offs to loans | 0.1122% | 1,629 |
| Credit loss provision to net charge-offs | 245.6140% | 1,208 |
| Earnings coverage of net charge-offs (x) | 16.1404% | 2,272 |
| Efficiency ratio | 74.8376% | 1,520 |
| Assets per employee ($millions) | 4.3234% | 3,422 |
| Cash dividends to net income (ytd only)* | 30.0680% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,276 |
| Loan loss allowance to noncurrent loans | 925.0000% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 4,163 |
| Noncurrent loans to loans | 0.1356% | 4,125 |
| Net loans and leases to total assets | 68.3658% | 2,830 |
| Net loans and leases to deposits | 77.7457% | 3,193 |
| Net loans and leases to core deposits | 85.4130% | 2,964 |
| Total domestic deposits to total assets | 87.9352% | 1,324 |
| Equity capital to assets | 10.5745% | 3,102 |
| Core capital (leverage) ratio | 10.1767% | 3,377 |
| Tier 1 risk-based capital ratio | 14.4239% | 3,101 |
| Total risk-based capital ratio | 15.6457% | 3,030 |
| Memoranda: | ||
| Average total assets | $301,500,000 | 2,144 |
| Average earning assets | $287,007,200 | 2,092 |
| Average equity | $38,051,800 | 1,937 |
| Average total loans | $203,280,800 | 2,152 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,898 |
| Cost of funding earning assets | 0.3493% | 4,186 |
| Net interest margin | 3.6598% | 3,170 |
| Noninterest income to average assets | 1.2826% | 590 |
| Noninterest expense to average assets | 3.5448% | 927 |
| Loan and lease loss provision to assets | 0.2249% | 730 |
| Net operating income to assets | 0.9977% | 3,093 |
| Return on assets (ROA) | 1.5671% | 1,036 |
| Pretax return on assets | 1.5671% | 1,682 |
| Return on Equity (ROE) | 11.9390% | 1,806 |
| Retained earnings to average equity (ytd only) | 8.4175% | 1,459 |
| Net charge-offs to loans | 0.1403% | 1,161 |
| Credit loss provision to net charge-offs | 239.4366% | 1,216 |
| Earnings coverage of net charge-offs (x) | 13.0142% | 2,403 |
| Efficiency ratio | 74.3547% | 1,537 |
| Assets per employee ($millions) | 4.4133% | 3,252 |
| Cash dividends to net income (ytd only)* | 29.4963% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,497 |
| Loan loss allowance to noncurrent loans | 1,577.1605% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,510 |
| Noncurrent loans to loans | 0.0775% | 4,529 |
| Net loans and leases to total assets | 68.8426% | 2,813 |
| Net loans and leases to deposits | 81.3336% | 2,889 |
| Net loans and leases to core deposits | 88.1658% | 2,837 |
| Total domestic deposits to total assets | 84.6422% | 2,739 |
| Equity capital to assets | 13.2382% | 1,236 |
| Core capital (leverage) ratio | 13.3132% | 1,170 |
| Tier 1 risk-based capital ratio | 17.8231% | 1,835 |
| Total risk-based capital ratio | 18.9804% | 1,818 |
| Memoranda: | ||
| Average total assets | $302,296,750 | 2,147 |
| Average earning assets | $287,841,750 | 2,100 |
| Average equity | $39,678,500 | 1,876 |
| Average total loans | $202,467,500 | 2,162 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,865 |
| Cost of funding earning assets | 0.3463% | 4,097 |
| Net interest margin | 3.6266% | 3,216 |
| Noninterest income to average assets | 1.3365% | 541 |
| Noninterest expense to average assets | 3.5251% | 964 |
| Loan and lease loss provision to assets | 0.2739% | 545 |
| Net operating income to assets | 0.9867% | 3,079 |
| Return on assets (ROA) | 1.8078% | 574 |
| Pretax return on assets | 1.8078% | 944 |
| Return on Equity (ROE) | 13.8117% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.6062% | 1,037 |
| Net charge-offs to loans | 0.2137% | 742 |
| Credit loss provision to net charge-offs | 193.9252% | 1,333 |
| Earnings coverage of net charge-offs (x) | 8.9252% | 2,432 |
| Efficiency ratio | 73.6588% | 1,759 |
| Assets per employee ($millions) | 4.3589% | 3,343 |
| Cash dividends to net income (ytd only)* | 30.4491% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 2,866 |
| Loan loss allowance to noncurrent loans | 1,508.5890% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,518 |
| Noncurrent loans to loans | 0.0778% | 4,567 |
| Net loans and leases to total assets | 68.8663% | 2,745 |
| Net loans and leases to deposits | 82.9398% | 2,662 |
| Net loans and leases to core deposits | 86.7055% | 2,848 |
| Total domestic deposits to total assets | 83.0317% | 3,407 |
| Equity capital to assets | 13.1167% | 1,250 |
| Core capital (leverage) ratio | 12.6893% | 1,353 |
| Tier 1 risk-based capital ratio | 17.7269% | 1,882 |
| Total risk-based capital ratio | 18.8519% | 1,869 |
| Memoranda: | ||
| Average total assets | $303,028,330 | 2,150 |
| Average earning assets | $288,202,000 | 2,107 |
| Average equity | $39,662,000 | 1,875 |
| Average total loans | $200,239,000 | 2,183 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 3,799 |
| Cost of funding earning assets | 0.3519% | 3,976 |
| Net interest margin | 3.5937% | 3,205 |
| Noninterest income to average assets | 1.5557% | 401 |
| Noninterest expense to average assets | 3.6033% | 869 |
| Loan and lease loss provision to assets | 0.4208% | 260 |
| Net operating income to assets | 0.9429% | 3,098 |
| Return on assets (ROA) | 2.1949% | 248 |
| Pretax return on assets | 2.1949% | 385 |
| Return on Equity (ROE) | 16.7874% | 531 |
| Retained earnings to average equity (ytd only) | 11.7582% | 727 |
| Net charge-offs to loans | 0.4868% | 313 |
| Credit loss provision to net charge-offs | 134.4538% | 1,304 |
| Earnings coverage of net charge-offs (x) | 4.3571% | 2,311 |
| Efficiency ratio | 72.5443% | 2,116 |
| Assets per employee ($millions) | 4.3249% | 3,441 |
| Cash dividends to net income (ytd only)* | 29.9581% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,963 |
| Loan loss allowance to noncurrent loans | 1,418.1818% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,600 |
| Noncurrent loans to loans | 0.0827% | 4,614 |
| Net loans and leases to total assets | 65.0911% | 3,166 |
| Net loans and leases to deposits | 78.7969% | 2,939 |
| Net loans and leases to core deposits | 87.6469% | 2,662 |
| Total domestic deposits to total assets | 82.6062% | 3,788 |
| Equity capital to assets | 12.9911% | 1,250 |
| Core capital (leverage) ratio | 12.7269% | 1,280 |
| Tier 1 risk-based capital ratio | 17.5276% | 1,964 |
| Total risk-based capital ratio | 18.6065% | 1,964 |
| Memoranda: | ||
| Average total assets | $304,162,000 | 2,169 |
| Average earning assets | $288,723,500 | 2,129 |
| Average equity | $39,768,000 | 1,878 |
| Average total loans | $195,567,500 | 2,229 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 3,684 |
| Cost of funding earning assets | 0.2913% | 4,217 |
| Net interest margin | 3.6208% | 3,101 |
| Noninterest income to average assets | 1.1779% | 746 |
| Noninterest expense to average assets | 3.3840% | 1,230 |
| Loan and lease loss provision to assets | 0.1368% | 1,676 |
| Net operating income to assets | 1.0907% | 1,885 |
| Return on assets (ROA) | 1.0712% | 1,992 |
| Pretax return on assets | 1.0712% | 3,296 |
| Return on Equity (ROE) | 8.3258% | 2,636 |
| Retained earnings to average equity (ytd only) | 2.9790% | 3,516 |
| Net charge-offs to loans | 0.0017% | 4,060 |
| Credit loss provision to net charge-offs | 13,800.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,238.3333% | 57 |
| Efficiency ratio | 73.3825% | 2,001 |
| Assets per employee ($millions) | 4.3654% | 3,384 |
| Cash dividends to net income (ytd only)* | 64.2196% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,909 |
| Loan loss allowance to noncurrent loans | 2,130.1887% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,732 |
| Noncurrent loans to loans | 0.0553% | 4,748 |
| Net loans and leases to total assets | 62.0059% | 3,624 |
| Net loans and leases to deposits | 77.6615% | 3,156 |
| Net loans and leases to core deposits | 85.0508% | 2,981 |
| Total domestic deposits to total assets | 79.8412% | 4,366 |
| Equity capital to assets | 13.1573% | 1,186 |
| Core capital (leverage) ratio | 12.2783% | 1,462 |
| Tier 1 risk-based capital ratio | 16.8087% | 2,158 |
| Total risk-based capital ratio | 17.8389% | 2,179 |
| Memoranda: | ||
| Average total assets | $302,658,600 | 2,152 |
| Average earning assets | $287,010,200 | 2,116 |
| Average equity | $38,939,400 | 1,899 |
| Average total loans | $179,951,000 | 2,332 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 3,751 |
| Cost of funding earning assets | 0.2869% | 4,251 |
| Net interest margin | 3.5891% | 3,196 |
| Noninterest income to average assets | 1.2082% | 714 |
| Noninterest expense to average assets | 3.3853% | 1,183 |
| Loan and lease loss provision to assets | 0.1510% | 1,381 |
| Net operating income to assets | 1.0806% | 2,175 |
| Return on assets (ROA) | 1.0612% | 2,312 |
| Pretax return on assets | 1.0612% | 3,455 |
| Return on Equity (ROE) | 8.2954% | 2,977 |
| Retained earnings to average equity (ytd only) | 4.0424% | 3,515 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3238% | 1,997 |
| Assets per employee ($millions) | 4.4637% | 3,215 |
| Cash dividends to net income (ytd only)* | 51.2694% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 3,281 |
| Loan loss allowance to noncurrent loans | 1,723.6220% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 4,822 |
| Noncurrent loans to loans | 0.0658% | 4,813 |
| Net loans and leases to total assets | 61.9405% | 3,655 |
| Net loans and leases to deposits | 78.6649% | 3,103 |
| Net loans and leases to core deposits | 87.2286% | 2,852 |
| Total domestic deposits to total assets | 78.7397% | 4,583 |
| Equity capital to assets | 13.2151% | 1,287 |
| Core capital (leverage) ratio | 12.2605% | 1,534 |
| Tier 1 risk-based capital ratio | 16.9037% | 2,181 |
| Total risk-based capital ratio | 17.9077% | 2,218 |
| Memoranda: | ||
| Average total assets | $301,928,500 | 2,173 |
| Average earning assets | $286,751,750 | 2,128 |
| Average equity | $38,622,750 | 1,926 |
| Average total loans | $177,005,000 | 2,374 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 3,802 |
| Cost of funding earning assets | 0.2713% | 4,364 |
| Net interest margin | 3.5551% | 3,200 |
| Noninterest income to average assets | 0.8923% | 1,292 |
| Noninterest expense to average assets | 3.3997% | 1,165 |
| Loan and lease loss provision to assets | 0.1747% | 1,102 |
| Net operating income to assets | 0.6909% | 3,886 |
| Return on assets (ROA) | 0.6469% | 4,148 |
| Pretax return on assets | 0.6469% | 4,697 |
| Return on Equity (ROE) | 5.1147% | 4,430 |
| Retained earnings to average equity (ytd only) | 0.8859% | 4,869 |
| Net charge-offs to loans | 0.0128% | 3,006 |
| Credit loss provision to net charge-offs | 2,381.8182% | 183 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 580 |
| Efficiency ratio | 79.7061% | 1,247 |
| Assets per employee ($millions) | 4.4832% | 3,134 |
| Cash dividends to net income (ytd only)* | 82.6804% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,364 |
| Loan loss allowance to noncurrent loans | 1,626.3566% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 4,720 |
| Noncurrent loans to loans | 0.0702% | 4,849 |
| Net loans and leases to total assets | 58.7582% | 3,950 |
| Net loans and leases to deposits | 76.7735% | 3,247 |
| Net loans and leases to core deposits | 83.3846% | 3,138 |
| Total domestic deposits to total assets | 76.5345% | 5,023 |
| Equity capital to assets | 12.7185% | 1,515 |
| Core capital (leverage) ratio | 12.0568% | 1,601 |
| Tier 1 risk-based capital ratio | 16.5115% | 2,319 |
| Total risk-based capital ratio | 17.4778% | 2,358 |
| Memoranda: | ||
| Average total assets | $299,905,670 | 2,192 |
| Average earning assets | $284,549,670 | 2,145 |
| Average equity | $37,929,670 | 1,954 |
| Average total loans | $171,685,330 | 2,424 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 3,922 |
| Cost of funding earning assets | 0.2612% | 4,445 |
| Net interest margin | 3.4917% | 3,301 |
| Noninterest income to average assets | 0.8998% | 1,242 |
| Noninterest expense to average assets | 3.5991% | 897 |
| Loan and lease loss provision to assets | 0.2439% | 629 |
| Net operating income to assets | 0.3713% | 5,018 |
| Return on assets (ROA) | 0.3428% | 5,112 |
| Pretax return on assets | 0.3428% | 5,243 |
| Return on Equity (ROE) | 2.7188% | 5,173 |
| Retained earnings to average equity (ytd only) | -4.2662% | 5,342 |
| Net charge-offs to loans | -0.0314% | 4,951 |
| Credit loss provision to net charge-offs | -1,384.6154% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4019% | 853 |
| Assets per employee ($millions) | 4.1655% | 3,731 |
| Cash dividends to net income (ytd only)* | 256.9170% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 3,089 |
| Loan loss allowance to noncurrent loans | 1,789.4737% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 4,709 |
| Noncurrent loans to loans | 0.0675% | 4,927 |
| Net loans and leases to total assets | 56.4542% | 4,121 |
| Net loans and leases to deposits | 70.1339% | 3,783 |
| Net loans and leases to core deposits | 76.6007% | 3,599 |
| Total domestic deposits to total assets | 80.4949% | 4,524 |
| Equity capital to assets | 12.6788% | 1,418 |
| Core capital (leverage) ratio | 12.1044% | 1,558 |
| Tier 1 risk-based capital ratio | 17.2169% | 2,116 |
| Total risk-based capital ratio | 18.2123% | 2,147 |
| Memoranda: | ||
| Average total assets | $295,186,500 | 2,234 |
| Average earning assets | $280,205,500 | 2,190 |
| Average equity | $37,222,500 | 1,979 |
| Average total loans | $165,596,500 | 2,508 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 3,517 |
| Cost of funding earning assets | 0.2513% | 4,553 |
| Net interest margin | 3.6651% | 2,841 |
| Noninterest income to average assets | 1.1903% | 798 |
| Noninterest expense to average assets | 3.6174% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0384% | 2,196 |
| Return on assets (ROA) | 1.0596% | 2,200 |
| Pretax return on assets | 1.0596% | 3,266 |
| Return on Equity (ROE) | 7.9406% | 2,971 |
| Retained earnings to average equity (ytd only) | 3.8393% | 3,189 |
| Net charge-offs to loans | 0.0237% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 81.6944% | 703 |
| Efficiency ratio | 77.6960% | 1,737 |
| Assets per employee ($millions) | 4.1496% | 3,707 |
| Cash dividends to net income (ytd only)* | 51.6495% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 3,497 |
| Loan loss allowance to noncurrent loans | 772.8033% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,594 |
| Noncurrent loans to loans | 0.1474% | 4,646 |
| Net loans and leases to total assets | 54.4230% | 4,402 |
| Net loans and leases to deposits | 65.6041% | 4,278 |
| Net loans and leases to core deposits | 72.5991% | 4,046 |
| Total domestic deposits to total assets | 82.9567% | 3,781 |
| Equity capital to assets | 12.5406% | 1,499 |
| Core capital (leverage) ratio | 12.3721% | 1,393 |
| Tier 1 risk-based capital ratio | 17.5258% | 2,001 |
| Total risk-based capital ratio | 18.4330% | 2,053 |
| Memoranda: | ||
| Average total assets | $283,214,200 | 2,263 |
| Average earning assets | $267,796,400 | 2,233 |
| Average equity | $37,793,200 | 1,934 |
| Average total loans | $152,191,200 | 2,614 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 3,642 |
| Cost of funding earning assets | 0.2526% | 4,580 |
| Net interest margin | 3.6309% | 2,961 |
| Noninterest income to average assets | 1.1437% | 880 |
| Noninterest expense to average assets | 3.6243% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9516% | 2,643 |
| Return on assets (ROA) | 0.8960% | 3,063 |
| Pretax return on assets | 0.8960% | 3,989 |
| Return on Equity (ROE) | 6.6095% | 3,770 |
| Retained earnings to average equity (ytd only) | 2.4698% | 4,441 |
| Net charge-offs to loans | -0.0401% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2039% | 1,531 |
| Assets per employee ($millions) | 4.0416% | 3,897 |
| Cash dividends to net income (ytd only)* | 62.6325% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,911 |
| Loan loss allowance to noncurrent loans | 940.4878% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 4,501 |
| Noncurrent loans to loans | 0.1337% | 4,806 |
| Net loans and leases to total assets | 52.7480% | 4,590 |
| Net loans and leases to deposits | 62.8450% | 4,571 |
| Net loans and leases to core deposits | 70.5596% | 4,281 |
| Total domestic deposits to total assets | 83.9335% | 3,228 |
| Equity capital to assets | 13.5950% | 1,198 |
| Core capital (leverage) ratio | 12.4899% | 1,399 |
| Tier 1 risk-based capital ratio | 18.4363% | 1,804 |
| Total risk-based capital ratio | 19.4538% | 1,831 |
| Memoranda: | ||
| Average total assets | $280,362,750 | 2,290 |
| Average earning assets | $265,015,250 | 2,260 |
| Average equity | $38,004,750 | 1,936 |
| Average total loans | $149,692,000 | 2,651 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 3,466 |
| Cost of funding earning assets | 0.2526% | 4,634 |
| Net interest margin | 3.6876% | 2,742 |
| Noninterest income to average assets | 1.1490% | 845 |
| Noninterest expense to average assets | 3.6590% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9750% | 2,498 |
| Return on assets (ROA) | 0.9117% | 2,940 |
| Pretax return on assets | 0.9117% | 3,911 |
| Return on Equity (ROE) | 6.7323% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.0157% | 3,997 |
| Net charge-offs to loans | -0.0283% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9604% | 1,644 |
| Assets per employee ($millions) | 4.1153% | 3,713 |
| Cash dividends to net income (ytd only)* | 55.2050% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,965 |
| Loan loss allowance to noncurrent loans | 300.3155% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 4,519 |
| Noncurrent loans to loans | 0.4225% | 3,839 |
| Net loans and leases to total assets | 52.1776% | 4,658 |
| Net loans and leases to deposits | 61.3109% | 4,712 |
| Net loans and leases to core deposits | 67.9184% | 4,480 |
| Total domestic deposits to total assets | 85.1034% | 2,829 |
| Equity capital to assets | 13.7915% | 1,098 |
| Core capital (leverage) ratio | 12.4103% | 1,402 |
| Tier 1 risk-based capital ratio | 18.7748% | 1,746 |
| Total risk-based capital ratio | 19.8020% | 1,753 |
| Memoranda: | ||
| Average total assets | $278,166,670 | 2,314 |
| Average earning assets | $262,883,000 | 2,276 |
| Average equity | $37,669,330 | 1,957 |
| Average total loans | $148,493,000 | 2,671 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 3,345 |
| Cost of funding earning assets | 0.2545% | 4,655 |
| Net interest margin | 3.7123% | 2,618 |
| Noninterest income to average assets | 1.0288% | 1,018 |
| Noninterest expense to average assets | 3.7374% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7890% | 3,302 |
| Return on assets (ROA) | 0.6786% | 3,947 |
| Pretax return on assets | 0.6786% | 4,594 |
| Return on Equity (ROE) | 5.0592% | 4,456 |
| Retained earnings to average equity (ytd only) | 0.7258% | 4,926 |
| Net charge-offs to loans | -0.0596% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5682% | 1,311 |
| Assets per employee ($millions) | 3.9666% | 4,011 |
| Cash dividends to net income (ytd only)* | 85.6531% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 3,045 |
| Loan loss allowance to noncurrent loans | 262.7586% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 4,444 |
| Noncurrent loans to loans | 0.4842% | 3,728 |
| Net loans and leases to total assets | 53.2412% | 4,517 |
| Net loans and leases to deposits | 62.3399% | 4,560 |
| Net loans and leases to core deposits | 69.2982% | 4,288 |
| Total domestic deposits to total assets | 85.4048% | 2,950 |
| Equity capital to assets | 13.4701% | 1,187 |
| Core capital (leverage) ratio | 12.5050% | 1,338 |
| Tier 1 risk-based capital ratio | 18.2971% | 1,910 |
| Total risk-based capital ratio | 19.3133% | 1,929 |
| Memoranda: | ||
| Average total assets | $275,271,500 | 2,344 |
| Average earning assets | $259,357,000 | 2,314 |
| Average equity | $36,923,000 | 1,991 |
| Average total loans | $147,706,500 | 2,684 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 3,451 |
| Cost of funding earning assets | 0.2641% | 4,654 |
| Net interest margin | 3.7003% | 2,747 |
| Noninterest income to average assets | 1.2307% | 788 |
| Noninterest expense to average assets | 3.6627% | 1,028 |
| Loan and lease loss provision to assets | 0.0695% | 2,896 |
| Net operating income to assets | 1.0056% | 2,334 |
| Return on assets (ROA) | 0.9283% | 2,803 |
| Pretax return on assets | 0.9283% | 3,733 |
| Return on Equity (ROE) | 6.9076% | 3,554 |
| Retained earnings to average equity (ytd only) | 2.4346% | 4,333 |
| Net charge-offs to loans | 0.1390% | 1,963 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 15.4681% | 2,200 |
| Efficiency ratio | 77.3078% | 2,073 |
| Assets per employee ($millions) | 4.0130% | 3,914 |
| Cash dividends to net income (ytd only)* | 64.7551% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,949 |
| Loan loss allowance to noncurrent loans | 242.0308% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 4,390 |
| Noncurrent loans to loans | 0.5341% | 3,565 |
| Net loans and leases to total assets | 52.6949% | 4,638 |
| Net loans and leases to deposits | 61.7050% | 4,656 |
| Net loans and leases to core deposits | 67.9074% | 4,455 |
| Total domestic deposits to total assets | 85.3982% | 2,902 |
| Equity capital to assets | 13.3555% | 1,182 |
| Core capital (leverage) ratio | 12.6420% | 1,290 |
| Tier 1 risk-based capital ratio | 18.4603% | 1,843 |
| Total risk-based capital ratio | 19.4758% | 1,869 |
| Memoranda: | ||
| Average total assets | $270,486,400 | 2,342 |
| Average earning assets | $256,357,800 | 2,293 |
| Average equity | $36,351,400 | 1,963 |
| Average total loans | $135,262,200 | 2,797 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,591 |
| Cost of funding earning assets | 0.2681% | 4,685 |
| Net interest margin | 3.6703% | 2,885 |
| Noninterest income to average assets | 1.2533% | 770 |
| Noninterest expense to average assets | 3.7323% | 927 |
| Loan and lease loss provision to assets | 0.0262% | 3,745 |
| Net operating income to assets | 0.9841% | 2,550 |
| Return on assets (ROA) | 0.9075% | 3,022 |
| Pretax return on assets | 0.9075% | 3,960 |
| Return on Equity (ROE) | 6.7421% | 3,759 |
| Retained earnings to average equity (ytd only) | 1.6406% | 5,046 |
| Net charge-offs to loans | 0.2070% | 1,251 |
| Credit loss provision to net charge-offs | 25.7282% | 3,318 |
| Earnings coverage of net charge-offs (x) | 9.9272% | 2,644 |
| Efficiency ratio | 78.6979% | 1,858 |
| Assets per employee ($millions) | 3.9818% | 3,908 |
| Cash dividends to net income (ytd only)* | 75.6670% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 3,533 |
| Loan loss allowance to noncurrent loans | 211.7503% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 4,469 |
| Noncurrent loans to loans | 0.5774% | 3,603 |
| Net loans and leases to total assets | 52.3871% | 4,718 |
| Net loans and leases to deposits | 61.6549% | 4,744 |
| Net loans and leases to core deposits | 66.9657% | 4,625 |
| Total domestic deposits to total assets | 84.9683% | 3,028 |
| Equity capital to assets | 13.6879% | 1,146 |
| Core capital (leverage) ratio | 12.8130% | 1,268 |
| Tier 1 risk-based capital ratio | 18.6257% | 1,872 |
| Total risk-based capital ratio | 19.6399% | 1,887 |
| Memoranda: | ||
| Average total assets | $269,887,000 | 2,356 |
| Average earning assets | $256,577,750 | 2,302 |
| Average equity | $36,328,000 | 1,978 |
| Average total loans | $132,658,000 | 2,861 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,682 |
| Cost of funding earning assets | 0.2749% | 4,673 |
| Net interest margin | 3.6267% | 2,989 |
| Noninterest income to average assets | 1.3436% | 680 |
| Noninterest expense to average assets | 3.7435% | 937 |
| Loan and lease loss provision to assets | -0.0347% | 6,004 |
| Net operating income to assets | 1.0830% | 2,002 |
| Return on assets (ROA) | 1.0667% | 2,175 |
| Pretax return on assets | 1.0667% | 3,318 |
| Return on Equity (ROE) | 7.9691% | 3,076 |
| Retained earnings to average equity (ytd only) | 2.7851% | 4,274 |
| Net charge-offs to loans | 0.3639% | 714 |
| Credit loss provision to net charge-offs | -19.9153% | 4,726 |
| Earnings coverage of net charge-offs (x) | 6.0169% | 2,841 |
| Efficiency ratio | 78.1236% | 2,049 |
| Assets per employee ($millions) | 4.0405% | 3,801 |
| Cash dividends to net income (ytd only)* | 65.0519% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 3,831 |
| Loan loss allowance to noncurrent loans | 215.3432% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 4,705 |
| Noncurrent loans to loans | 0.5544% | 3,794 |
| Net loans and leases to total assets | 48.9129% | 5,020 |
| Net loans and leases to deposits | 57.2375% | 5,044 |
| Net loans and leases to core deposits | 61.4198% | 4,981 |
| Total domestic deposits to total assets | 85.4560% | 2,945 |
| Equity capital to assets | 13.3221% | 1,252 |
| Core capital (leverage) ratio | 12.7512% | 1,276 |
| Tier 1 risk-based capital ratio | 19.4166% | 1,691 |
| Total risk-based capital ratio | 20.3975% | 1,731 |
| Memoranda: | ||
| Average total assets | $270,921,670 | 2,360 |
| Average earning assets | $257,590,330 | 2,313 |
| Average equity | $36,265,000 | 1,984 |
| Average total loans | $129,714,000 | 2,918 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,857 |
| Cost of funding earning assets | 0.2856% | 4,603 |
| Net interest margin | 3.5549% | 3,206 |
| Noninterest income to average assets | 1.3106% | 666 |
| Noninterest expense to average assets | 3.7428% | 943 |
| Loan and lease loss provision to assets | -0.0546% | 6,169 |
| Net operating income to assets | 1.0021% | 2,260 |
| Return on assets (ROA) | 0.9859% | 2,453 |
| Pretax return on assets | 0.9859% | 3,553 |
| Return on Equity (ROE) | 7.3477% | 3,302 |
| Retained earnings to average equity (ytd only) | 1.6279% | 4,823 |
| Net charge-offs to loans | -0.0282% | 5,217 |
| Credit loss provision to net charge-offs | 411.1111% | 643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7986% | 1,922 |
| Assets per employee ($millions) | 3.9551% | 4,049 |
| Cash dividends to net income (ytd only)* | 77.8443% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 2,760 |
| Loan loss allowance to noncurrent loans | 396.3675% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 5,182 |
| Noncurrent loans to loans | 0.3625% | 4,501 |
| Net loans and leases to total assets | 48.0192% | 5,029 |
| Net loans and leases to deposits | 56.8992% | 4,991 |
| Net loans and leases to core deposits | 61.1386% | 4,904 |
| Total domestic deposits to total assets | 84.3934% | 3,653 |
| Equity capital to assets | 13.8383% | 1,038 |
| Core capital (leverage) ratio | 12.4422% | 1,386 |
| Tier 1 risk-based capital ratio | 19.2226% | 1,807 |
| Total risk-based capital ratio | 20.3503% | 1,799 |
| Memoranda: | ||
| Average total assets | $271,024,500 | 2,377 |
| Average earning assets | $257,673,000 | 2,326 |
| Average equity | $36,365,000 | 1,991 |
| Average total loans | $127,563,500 | 2,955 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,942 |
| Cost of funding earning assets | 0.3072% | 4,717 |
| Net interest margin | 3.8975% | 2,251 |
| Noninterest income to average assets | 1.1443% | 926 |
| Noninterest expense to average assets | 3.7320% | 1,093 |
| Loan and lease loss provision to assets | -0.0279% | 5,957 |
| Net operating income to assets | 1.1258% | 1,878 |
| Return on assets (ROA) | 1.0399% | 2,287 |
| Pretax return on assets | 1.0399% | 3,350 |
| Return on Equity (ROE) | 8.1353% | 3,057 |
| Retained earnings to average equity (ytd only) | 3.3455% | 3,833 |
| Net charge-offs to loans | -0.0373% | 5,845 |
| Credit loss provision to net charge-offs | 157.4468% | 1,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2681% | 2,320 |
| Assets per employee ($millions) | 4.0744% | 3,775 |
| Cash dividends to net income (ytd only)* | 58.8768% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 2,512 |
| Loan loss allowance to noncurrent loans | 475.5051% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 5,390 |
| Noncurrent loans to loans | 0.3142% | 4,717 |
| Net loans and leases to total assets | 44.8074% | 5,418 |
| Net loans and leases to deposits | 53.6695% | 5,358 |
| Net loans and leases to core deposits | 56.3283% | 5,359 |
| Total domestic deposits to total assets | 83.4876% | 3,918 |
| Equity capital to assets | 13.0153% | 1,367 |
| Core capital (leverage) ratio | 12.3163% | 1,442 |
| Tier 1 risk-based capital ratio | 19.3992% | 1,750 |
| Total risk-based capital ratio | 20.5633% | 1,735 |
| Memoranda: | ||
| Average total assets | $265,404,800 | 2,386 |
| Average earning assets | $250,978,200 | 2,341 |
| Average equity | $33,926,200 | 2,057 |
| Average total loans | $125,862,400 | 2,943 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,766 |
| Cost of funding earning assets | 0.3110% | 4,768 |
| Net interest margin | 3.9512% | 2,031 |
| Noninterest income to average assets | 1.0555% | 1,104 |
| Noninterest expense to average assets | 3.7593% | 1,027 |
| Loan and lease loss provision to assets | -0.0376% | 6,143 |
| Net operating income to assets | 1.0636% | 2,179 |
| Return on assets (ROA) | 0.9636% | 2,700 |
| Pretax return on assets | 0.9636% | 3,744 |
| Return on Equity (ROE) | 7.5743% | 3,409 |
| Retained earnings to average equity (ytd only) | 2.8828% | 4,548 |
| Net charge-offs to loans | 0.0032% | 4,592 |
| Credit loss provision to net charge-offs | -2,466.6667% | 5,992 |
| Earnings coverage of net charge-offs (x) | 673.3175% | 116 |
| Efficiency ratio | 78.5585% | 2,103 |
| Assets per employee ($millions) | 3.8701% | 4,146 |
| Cash dividends to net income (ytd only)* | 61.9400% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 3,160 |
| Loan loss allowance to noncurrent loans | 467.8571% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,345 |
| Noncurrent loans to loans | 0.2998% | 5,005 |
| Net loans and leases to total assets | 48.2746% | 5,184 |
| Net loans and leases to deposits | 59.3687% | 5,000 |
| Net loans and leases to core deposits | 60.6043% | 5,151 |
| Total domestic deposits to total assets | 81.3132% | 4,729 |
| Equity capital to assets | 13.2374% | 1,310 |
| Core capital (leverage) ratio | 12.4713% | 1,414 |
| Tier 1 risk-based capital ratio | 18.5891% | 2,021 |
| Total risk-based capital ratio | 19.6912% | 2,038 |
| Memoranda: | ||
| Average total assets | $262,491,250 | 2,427 |
| Average earning assets | $247,780,500 | 2,383 |
| Average equity | $33,392,750 | 2,092 |
| Average total loans | $125,821,500 | 2,959 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 2,798 |
| Cost of funding earning assets | 0.3150% | 4,826 |
| Net interest margin | 3.9268% | 2,057 |
| Noninterest income to average assets | 0.9756% | 1,268 |
| Noninterest expense to average assets | 3.7482% | 1,053 |
| Loan and lease loss provision to assets | -0.0567% | 6,306 |
| Net operating income to assets | 0.9809% | 2,402 |
| Return on assets (ROA) | 0.8744% | 3,028 |
| Pretax return on assets | 0.8744% | 3,983 |
| Return on Equity (ROE) | 6.9699% | 3,636 |
| Retained earnings to average equity (ytd only) | 2.3885% | 4,688 |
| Net charge-offs to loans | -0.0660% | 5,995 |
| Credit loss provision to net charge-offs | 180.4878% | 1,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2198% | 1,990 |
| Assets per employee ($millions) | 3.8381% | 4,179 |
| Cash dividends to net income (ytd only)* | 65.7318% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 3,186 |
| Loan loss allowance to noncurrent loans | 348.2375% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 5,328 |
| Noncurrent loans to loans | 0.4111% | 4,756 |
| Net loans and leases to total assets | 48.1002% | 5,165 |
| Net loans and leases to deposits | 60.4623% | 4,827 |
| Net loans and leases to core deposits | 61.5350% | 5,006 |
| Total domestic deposits to total assets | 79.5542% | 5,337 |
| Equity capital to assets | 12.3841% | 1,717 |
| Core capital (leverage) ratio | 12.3969% | 1,445 |
| Tier 1 risk-based capital ratio | 17.9841% | 2,248 |
| Total risk-based capital ratio | 19.0849% | 2,268 |
| Memoranda: | ||
| Average total assets | $260,975,330 | 2,450 |
| Average earning assets | $245,693,330 | 2,390 |
| Average equity | $32,740,670 | 2,117 |
| Average total loans | $124,180,000 | 2,987 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 2,944 |
| Cost of funding earning assets | 0.3240% | 4,808 |
| Net interest margin | 3.8566% | 2,245 |
| Noninterest income to average assets | 0.8805% | 1,451 |
| Noninterest expense to average assets | 3.8020% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7078% | 3,646 |
| Return on assets (ROA) | 0.6316% | 4,126 |
| Pretax return on assets | 0.6316% | 4,717 |
| Return on Equity (ROE) | 5.0008% | 4,555 |
| Retained earnings to average equity (ytd only) | -0.5420% | 5,654 |
| Net charge-offs to loans | -0.1226% | 6,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3049% | 1,634 |
| Assets per employee ($millions) | 3.5819% | 4,764 |
| Cash dividends to net income (ytd only)* | 110.8374% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 2,702 |
| Loan loss allowance to noncurrent loans | 48.6750% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 1.6534% | 2,134 |
| Noncurrent loans to loans | 3.2886% | 929 |
| Net loans and leases to total assets | 47.0613% | 5,226 |
| Net loans and leases to deposits | 58.5824% | 4,880 |
| Net loans and leases to core deposits | 59.6706% | 5,069 |
| Total domestic deposits to total assets | 80.3336% | 5,416 |
| Equity capital to assets | 13.1383% | 1,239 |
| Core capital (leverage) ratio | 12.5697% | 1,355 |
| Tier 1 risk-based capital ratio | 18.7193% | 2,053 |
| Total risk-based capital ratio | 19.9218% | 2,026 |
| Memoranda: | ||
| Average total assets | $257,130,000 | 2,486 |
| Average earning assets | $241,976,000 | 2,421 |
| Average equity | $32,475,000 | 2,124 |
| Average total loans | $120,717,000 | 3,058 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 3,832 |
| Cost of funding earning assets | 0.3792% | 4,845 |
| Net interest margin | 3.6963% | 3,068 |
| Noninterest income to average assets | 1.5862% | 570 |
| Noninterest expense to average assets | 3.8932% | 1,001 |
| Loan and lease loss provision to assets | -0.0830% | 6,455 |
| Net operating income to assets | 1.2505% | 1,390 |
| Return on assets (ROA) | 1.0874% | 2,048 |
| Pretax return on assets | 1.0874% | 2,996 |
| Return on Equity (ROE) | 8.8892% | 2,598 |
| Retained earnings to average equity (ytd only) | 3.6113% | 3,654 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9290% | 2,632 |
| Assets per employee ($millions) | 3.6103% | 4,653 |
| Cash dividends to net income (ytd only)* | 59.3739% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 2,784 |
| Loan loss allowance to noncurrent loans | 50.1312% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 1.5996% | 2,323 |
| Noncurrent loans to loans | 3.1802% | 1,066 |
| Net loans and leases to total assets | 45.3530% | 5,546 |
| Net loans and leases to deposits | 56.3432% | 5,272 |
| Net loans and leases to core deposits | 57.3645% | 5,436 |
| Total domestic deposits to total assets | 80.4942% | 5,324 |
| Equity capital to assets | 12.1323% | 1,722 |
| Core capital (leverage) ratio | 12.3787% | 1,414 |
| Tier 1 risk-based capital ratio | 18.6991% | 2,010 |
| Total risk-based capital ratio | 19.8774% | 2,004 |
| Memoranda: | ||
| Average total assets | $255,574,200 | 2,477 |
| Average earning assets | $240,242,200 | 2,421 |
| Average equity | $31,262,800 | 2,171 |
| Average total loans | $117,692,000 | 3,084 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,954 |
| Cost of funding earning assets | 0.3918% | 4,892 |
| Net interest margin | 3.6526% | 3,221 |
| Noninterest income to average assets | 1.6912% | 531 |
| Noninterest expense to average assets | 3.9137% | 950 |
| Loan and lease loss provision to assets | -0.0854% | 6,606 |
| Net operating income to assets | 1.2962% | 1,365 |
| Return on assets (ROA) | 1.0950% | 2,099 |
| Pretax return on assets | 1.0950% | 3,134 |
| Return on Equity (ROE) | 8.9331% | 2,668 |
| Retained earnings to average equity (ytd only) | 3.8040% | 3,978 |
| Net charge-offs to loans | -0.0910% | 6,476 |
| Credit loss provision to net charge-offs | 203.7500% | 1,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3726% | 2,673 |
| Assets per employee ($millions) | 3.5914% | 4,666 |
| Cash dividends to net income (ytd only)* | 57.4162% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 2,369 |
| Loan loss allowance to noncurrent loans | 43.9560% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 1.9053% | 2,130 |
| Noncurrent loans to loans | 4.0486% | 852 |
| Net loans and leases to total assets | 44.7856% | 5,648 |
| Net loans and leases to deposits | 54.5341% | 5,493 |
| Net loans and leases to core deposits | 55.5360% | 5,665 |
| Total domestic deposits to total assets | 82.1241% | 4,879 |
| Equity capital to assets | 12.5776% | 1,538 |
| Core capital (leverage) ratio | 12.5915% | 1,374 |
| Tier 1 risk-based capital ratio | 19.0516% | 1,978 |
| Total risk-based capital ratio | 20.3022% | 1,940 |
| Memoranda: | ||
| Average total assets | $254,482,000 | 2,505 |
| Average earning assets | $239,204,750 | 2,445 |
| Average equity | $31,194,250 | 2,195 |
| Average total loans | $117,164,500 | 3,118 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 3,942 |
| Cost of funding earning assets | 0.4136% | 4,820 |
| Net interest margin | 3.6313% | 3,241 |
| Noninterest income to average assets | 1.7635% | 538 |
| Noninterest expense to average assets | 3.9075% | 970 |
| Loan and lease loss provision to assets | -0.0775% | 6,682 |
| Net operating income to assets | 1.3495% | 1,194 |
| Return on assets (ROA) | 1.0755% | 2,126 |
| Pretax return on assets | 1.0755% | 3,191 |
| Return on Equity (ROE) | 8.8496% | 2,679 |
| Retained earnings to average equity (ytd only) | 3.6970% | 3,956 |
| Net charge-offs to loans | -0.1881% | 6,646 |
| Credit loss provision to net charge-offs | 89.1892% | 2,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4420% | 2,868 |
| Assets per employee ($millions) | 3.6342% | 4,544 |
| Cash dividends to net income (ytd only)* | 58.2242% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,375 |
| Loan loss allowance to noncurrent loans | 43.8734% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 2,228 |
| Noncurrent loans to loans | 4.1442% | 919 |
| Net loans and leases to total assets | 44.6600% | 5,677 |
| Net loans and leases to deposits | 53.4652% | 5,560 |
| Net loans and leases to core deposits | 54.4054% | 5,721 |
| Total domestic deposits to total assets | 83.5311% | 4,504 |
| Equity capital to assets | 12.0686% | 1,869 |
| Core capital (leverage) ratio | 12.1897% | 1,514 |
| Tier 1 risk-based capital ratio | 18.5088% | 2,137 |
| Total risk-based capital ratio | 19.7594% | 2,098 |
| Memoranda: | ||
| Average total assets | $255,509,330 | 2,503 |
| Average earning assets | $240,352,000 | 2,444 |
| Average equity | $31,052,330 | 2,217 |
| Average total loans | $118,009,000 | 3,107 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 3,680 |
| Cost of funding earning assets | 0.4507% | 4,586 |
| Net interest margin | 3.6610% | 3,032 |
| Noninterest income to average assets | 1.9162% | 454 |
| Noninterest expense to average assets | 3.9315% | 962 |
| Loan and lease loss provision to assets | -0.0850% | 6,828 |
| Net operating income to assets | 1.5072% | 846 |
| Return on assets (ROA) | 1.1579% | 1,755 |
| Pretax return on assets | 1.1579% | 2,735 |
| Return on Equity (ROE) | 9.4942% | 2,266 |
| Retained earnings to average equity (ytd only) | 5.6243% | 2,884 |
| Net charge-offs to loans | -0.4428% | 6,841 |
| Credit loss provision to net charge-offs | 41.2214% | 2,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4352% | 3,363 |
| Assets per employee ($millions) | 3.4835% | 5,013 |
| Cash dividends to net income (ytd only)* | 40.7609% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 2,297 |
| Loan loss allowance to noncurrent loans | 44.1478% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.0812% | 2,253 |
| Noncurrent loans to loans | 4.3042% | 999 |
| Net loans and leases to total assets | 45.2632% | 5,517 |
| Net loans and leases to deposits | 55.0050% | 5,347 |
| Net loans and leases to core deposits | 56.0157% | 5,518 |
| Total domestic deposits to total assets | 82.2892% | 5,094 |
| Equity capital to assets | 12.7577% | 1,557 |
| Core capital (leverage) ratio | 12.1981% | 1,463 |
| Tier 1 risk-based capital ratio | 18.4093% | 2,227 |
| Total risk-based capital ratio | 19.6607% | 2,195 |
| Memoranda: | ||
| Average total assets | $254,251,500 | 2,542 |
| Average earning assets | $238,733,000 | 2,485 |
| Average equity | $31,008,500 | 2,239 |
| Average total loans | $118,329,500 | 3,120 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 2,306 |
| Cost of funding earning assets | 0.6731% | 3,712 |
| Net interest margin | 4.0996% | 2,006 |
| Noninterest income to average assets | 1.3819% | 821 |
| Noninterest expense to average assets | 3.8678% | 1,138 |
| Loan and lease loss provision to assets | -0.0886% | 6,915 |
| Net operating income to assets | 1.4499% | 1,004 |
| Return on assets (ROA) | 1.1036% | 2,105 |
| Pretax return on assets | 1.1036% | 3,146 |
| Return on Equity (ROE) | 10.6216% | 1,933 |
| Retained earnings to average equity (ytd only) | 4.6355% | 2,958 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9667% | 3,075 |
| Assets per employee ($millions) | 3.6294% | 4,708 |
| Cash dividends to net income (ytd only)* | 56.3579% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 2,742 |
| Loan loss allowance to noncurrent loans | 37.8996% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 2.2822% | 2,151 |
| Noncurrent loans to loans | 4.6298% | 908 |
| Net loans and leases to total assets | 46.1066% | 5,601 |
| Net loans and leases to deposits | 57.5166% | 5,295 |
| Net loans and leases to core deposits | 58.5725% | 5,491 |
| Total domestic deposits to total assets | 80.1622% | 5,617 |
| Equity capital to assets | 11.6493% | 2,305 |
| Core capital (leverage) ratio | 12.1794% | 1,461 |
| Tier 1 risk-based capital ratio | 17.4263% | 2,477 |
| Total risk-based capital ratio | 18.6762% | 2,454 |
| Memoranda: | ||
| Average total assets | $257,250,600 | 2,463 |
| Average earning assets | $241,412,200 | 2,397 |
| Average equity | $26,728,600 | 2,505 |
| Average total loans | $122,481,800 | 3,029 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 1,976 |
| Cost of funding earning assets | 0.7266% | 3,547 |
| Net interest margin | 4.1822% | 1,786 |
| Noninterest income to average assets | 1.2921% | 888 |
| Noninterest expense to average assets | 3.8085% | 1,196 |
| Loan and lease loss provision to assets | -0.0887% | 7,029 |
| Net operating income to assets | 1.5032% | 1,013 |
| Return on assets (ROA) | 1.1895% | 1,955 |
| Pretax return on assets | 1.1895% | 3,027 |
| Return on Equity (ROE) | 11.8065% | 1,697 |
| Retained earnings to average equity (ytd only) | 5.1158% | 3,284 |
| Net charge-offs to loans | -0.0478% | 6,695 |
| Credit loss provision to net charge-offs | 388.6364% | 695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9177% | 3,160 |
| Assets per employee ($millions) | 3.4204% | 5,161 |
| Cash dividends to net income (ytd only)* | 56.6696% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 2,639 |
| Loan loss allowance to noncurrent loans | 39.2687% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 2.5488% | 2,070 |
| Noncurrent loans to loans | 4.7164% | 986 |
| Net loans and leases to total assets | 47.8355% | 5,566 |
| Net loans and leases to deposits | 59.1169% | 5,305 |
| Net loans and leases to core deposits | 60.3405% | 5,518 |
| Total domestic deposits to total assets | 80.9168% | 5,391 |
| Equity capital to assets | 11.4704% | 2,783 |
| Core capital (leverage) ratio | 12.3609% | 1,464 |
| Tier 1 risk-based capital ratio | 17.5310% | 2,531 |
| Total risk-based capital ratio | 18.7819% | 2,496 |
| Memoranda: | ||
| Average total assets | $257,140,750 | 2,486 |
| Average earning assets | $241,684,250 | 2,428 |
| Average equity | $25,906,000 | 2,600 |
| Average total loans | $122,868,750 | 3,059 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 1,834 |
| Cost of funding earning assets | 0.8060% | 3,137 |
| Net interest margin | 4.1760% | 1,827 |
| Noninterest income to average assets | 1.1926% | 1,001 |
| Noninterest expense to average assets | 3.8349% | 1,160 |
| Loan and lease loss provision to assets | -0.1173% | 7,116 |
| Net operating income to assets | 1.4013% | 1,193 |
| Return on assets (ROA) | 1.3238% | 1,528 |
| Pretax return on assets | 1.3238% | 2,461 |
| Return on Equity (ROE) | 13.7391% | 1,180 |
| Retained earnings to average equity (ytd only) | 7.3710% | 1,926 |
| Net charge-offs to loans | -0.0113% | 6,303 |
| Credit loss provision to net charge-offs | 2,185.7143% | 140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9176% | 2,912 |
| Assets per employee ($millions) | 3.3360% | 5,367 |
| Cash dividends to net income (ytd only)* | 46.3499% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 2,916 |
| Loan loss allowance to noncurrent loans | 35.5656% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 2.7335% | 2,015 |
| Noncurrent loans to loans | 5.0110% | 983 |
| Net loans and leases to total assets | 49.2030% | 5,457 |
| Net loans and leases to deposits | 61.2940% | 5,090 |
| Net loans and leases to core deposits | 62.5695% | 5,344 |
| Total domestic deposits to total assets | 80.2738% | 5,671 |
| Equity capital to assets | 10.3866% | 3,832 |
| Core capital (leverage) ratio | 11.8977% | 1,653 |
| Tier 1 risk-based capital ratio | 16.9693% | 2,681 |
| Total risk-based capital ratio | 18.2197% | 2,643 |
| Memoranda: | ||
| Average total assets | $260,764,670 | 2,449 |
| Average earning assets | $245,164,330 | 2,397 |
| Average equity | $25,125,330 | 2,657 |
| Average total loans | $123,816,000 | 3,054 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 1,944 |
| Cost of funding earning assets | 0.9435% | 2,351 |
| Net interest margin | 4.0396% | 2,335 |
| Noninterest income to average assets | 1.1161% | 1,131 |
| Noninterest expense to average assets | 3.7219% | 1,346 |
| Loan and lease loss provision to assets | -0.1554% | 7,202 |
| Net operating income to assets | 1.3432% | 1,338 |
| Return on assets (ROA) | 0.8860% | 3,210 |
| Pretax return on assets | 0.8860% | 4,083 |
| Return on Equity (ROE) | 9.5386% | 2,590 |
| Retained earnings to average equity (ytd only) | 9.5386% | 1,403 |
| Net charge-offs to loans | -0.2002% | 6,992 |
| Credit loss provision to net charge-offs | 167.7419% | 1,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8065% | 2,814 |
| Assets per employee ($millions) | 3.4165% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 2,723 |
| Loan loss allowance to noncurrent loans | 34.6287% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 2.8302% | 2,069 |
| Noncurrent loans to loans | 5.4474% | 982 |
| Net loans and leases to total assets | 46.8490% | 5,692 |
| Net loans and leases to deposits | 57.7605% | 5,406 |
| Net loans and leases to core deposits | 61.9407% | 5,334 |
| Total domestic deposits to total assets | 81.1091% | 5,575 |
| Equity capital to assets | 10.0744% | 4,035 |
| Core capital (leverage) ratio | 11.3140% | 2,025 |
| Tier 1 risk-based capital ratio | 16.8098% | 2,755 |
| Total risk-based capital ratio | 18.0609% | 2,714 |
| Memoranda: | ||
| Average total assets | $267,714,500 | 2,408 |
| Average earning assets | $251,409,000 | 2,353 |
| Average equity | $24,867,500 | 2,674 |
| Average total loans | $123,889,500 | 3,065 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 2,170 |
| Cost of funding earning assets | 1.4574% | 845 |
| Net interest margin | 3.7158% | 4,227 |
| Noninterest income to average assets | 1.1416% | 1,007 |
| Noninterest expense to average assets | 3.3279% | 2,429 |
| Loan and lease loss provision to assets | 0.0334% | 6,146 |
| Net operating income to assets | 1.2650% | 1,336 |
| Return on assets (ROA) | 0.5404% | 4,464 |
| Pretax return on assets | 0.5404% | 4,870 |
| Return on Equity (ROE) | 6.7517% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.0846% | 2,573 |
| Net charge-offs to loans | 0.3895% | 3,469 |
| Credit loss provision to net charge-offs | 18.8324% | 5,929 |
| Earnings coverage of net charge-offs (x) | 7.3296% | 2,353 |
| Efficiency ratio | 71.9354% | 3,588 |
| Assets per employee ($millions) | 3.6259% | 4,716 |
| Cash dividends to net income (ytd only)* | 24.6914% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 2,650 |
| Loan loss allowance to noncurrent loans | 36.4059% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 2.5269% | 2,401 |
| Noncurrent loans to loans | 5.1464% | 1,082 |
| Net loans and leases to total assets | 44.0832% | 6,205 |
| Net loans and leases to deposits | 54.5941% | 6,013 |
| Net loans and leases to core deposits | 62.5956% | 5,590 |
| Total domestic deposits to total assets | 80.7471% | 5,529 |
| Equity capital to assets | 8.5678% | 6,055 |
| Core capital (leverage) ratio | 10.1720% | 3,132 |
| Tier 1 risk-based capital ratio | 15.9175% | 3,083 |
| Total risk-based capital ratio | 17.1685% | 3,046 |
| Memoranda: | ||
| Average total assets | $299,767,000 | 2,133 |
| Average earning assets | $281,123,600 | 2,087 |
| Average equity | $23,994,000 | 2,670 |
| Average total loans | $136,341,000 | 2,870 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 2,620 |
| Cost of funding earning assets | 1.5052% | 843 |
| Net interest margin | 3.5915% | 4,805 |
| Noninterest income to average assets | 1.0031% | 1,332 |
| Noninterest expense to average assets | 3.2262% | 2,742 |
| Loan and lease loss provision to assets | 0.0437% | 5,891 |
| Net operating income to assets | 1.1033% | 1,953 |
| Return on assets (ROA) | 0.4377% | 5,021 |
| Pretax return on assets | 0.4377% | 5,348 |
| Return on Equity (ROE) | 5.5581% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.5581% | 2,817 |
| Net charge-offs to loans | 0.0230% | 5,828 |
| Credit loss provision to net charge-offs | 416.6667% | 678 |
| Earnings coverage of net charge-offs (x) | 109.2891% | 331 |
| Efficiency ratio | 73.7726% | 3,226 |
| Assets per employee ($millions) | 3.8217% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1410% | 1,980 |
| Loan loss allowance to noncurrent loans | 40.8493% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 3.2283% | 1,972 |
| Noncurrent loans to loans | 5.2412% | 1,164 |
| Net loans and leases to total assets | 44.3761% | 6,300 |
| Net loans and leases to deposits | 55.4777% | 6,074 |
| Net loans and leases to core deposits | 68.5655% | 5,112 |
| Total domestic deposits to total assets | 79.9891% | 5,739 |
| Equity capital to assets | 8.3978% | 6,401 |
| Core capital (leverage) ratio | 9.9209% | 3,544 |
| Tier 1 risk-based capital ratio | 15.1419% | 3,585 |
| Total risk-based capital ratio | 16.3953% | 3,548 |
| Memoranda: | ||
| Average total assets | $304,910,000 | 2,108 |
| Average earning assets | $286,115,250 | 2,060 |
| Average equity | $24,012,250 | 2,671 |
| Average total loans | $139,069,250 | 2,829 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 2,859 |
| Cost of funding earning assets | 1.5943% | 708 |
| Net interest margin | 3.4698% | 5,294 |
| Noninterest income to average assets | 1.0387% | 1,225 |
| Noninterest expense to average assets | 3.2640% | 2,686 |
| Loan and lease loss provision to assets | 0.0648% | 5,495 |
| Net operating income to assets | 0.9667% | 2,367 |
| Return on assets (ROA) | 0.2412% | 5,712 |
| Pretax return on assets | 0.2412% | 5,831 |
| Return on Equity (ROE) | 3.1288% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.1288% | 4,286 |
| Net charge-offs to loans | 0.2285% | 3,756 |
| Credit loss provision to net charge-offs | 62.1118% | 4,296 |
| Earnings coverage of net charge-offs (x) | 9.8820% | 1,871 |
| Efficiency ratio | 75.9849% | 3,012 |
| Assets per employee ($millions) | 3.9025% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 2,458 |
| Loan loss allowance to noncurrent loans | 34.9569% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 3.5123% | 1,874 |
| Noncurrent loans to loans | 5.6309% | 1,109 |
| Net loans and leases to total assets | 46.2830% | 6,234 |
| Net loans and leases to deposits | 57.3259% | 6,016 |
| Net loans and leases to core deposits | 71.5934% | 4,867 |
| Total domestic deposits to total assets | 80.7367% | 5,608 |
| Equity capital to assets | 8.1575% | 6,547 |
| Core capital (leverage) ratio | 9.3399% | 4,190 |
| Tier 1 risk-based capital ratio | 14.3617% | 3,895 |
| Total risk-based capital ratio | 15.6087% | 3,865 |
| Memoranda: | ||
| Average total assets | $308,457,000 | 2,089 |
| Average earning assets | $289,527,000 | 2,038 |
| Average equity | $23,779,000 | 2,675 |
| Average total loans | $140,945,000 | 2,828 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 3,279 |
| Cost of funding earning assets | 1.5585% | 952 |
| Net interest margin | 3.4047% | 5,416 |
| Noninterest income to average assets | 1.2480% | 814 |
| Noninterest expense to average assets | 3.2142% | 2,851 |
| Loan and lease loss provision to assets | 0.1264% | 4,417 |
| Net operating income to assets | 1.1089% | 1,810 |
| Return on assets (ROA) | 0.1302% | 6,066 |
| Pretax return on assets | 0.1302% | 6,103 |
| Return on Equity (ROE) | 1.7362% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.7362% | 5,079 |
| Net charge-offs to loans | 0.2839% | 2,929 |
| Credit loss provision to net charge-offs | 99.0099% | 2,755 |
| Earnings coverage of net charge-offs (x) | 9.6733% | 1,701 |
| Efficiency ratio | 72.2364% | 3,812 |
| Assets per employee ($millions) | 4.0857% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 2,465 |
| Loan loss allowance to noncurrent loans | 57.6046% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.5757% | 2,654 |
| Noncurrent loans to loans | 3.4393% | 2,182 |
| Net loans and leases to total assets | 44.2940% | 6,448 |
| Net loans and leases to deposits | 54.2650% | 6,268 |
| Net loans and leases to core deposits | 72.8060% | 4,676 |
| Total domestic deposits to total assets | 81.6254% | 5,448 |
| Equity capital to assets | 7.9941% | 6,500 |
| Core capital (leverage) ratio | 9.1210% | 4,415 |
| Tier 1 risk-based capital ratio | 13.5020% | 4,416 |
| Total risk-based capital ratio | 14.7534% | 4,390 |
| Memoranda: | ||
| Average total assets | $316,342,500 | 2,062 |
| Average earning assets | $297,468,500 | 2,011 |
| Average equity | $23,730,500 | 2,669 |
| Average total loans | $142,325,500 | 2,838 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 2,672 |
| Cost of funding earning assets | 1.9066% | 827 |
| Net interest margin | 3.4935% | 5,268 |
| Noninterest income to average assets | 0.8921% | 1,879 |
| Noninterest expense to average assets | 3.2791% | 2,799 |
| Loan and lease loss provision to assets | 0.7259% | 2,261 |
| Net operating income to assets | 0.1762% | 5,355 |
| Return on assets (ROA) | -0.1227% | 6,072 |
| Pretax return on assets | -0.1227% | 6,015 |
| Return on Equity (ROE) | -2.2373% | 6,200 |
| Retained earnings to average equity (ytd only) | -2.2373% | 6,005 |
| Net charge-offs to loans | 1.9105% | 1,074 |
| Credit loss provision to net charge-offs | 81.2860% | 5,509 |
| Earnings coverage of net charge-offs (x) | 1.0102% | 5,102 |
| Efficiency ratio | 78.4258% | 2,631 |
| Assets per employee ($millions) | 4.4133% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9268% | 2,479 |
| Loan loss allowance to noncurrent loans | 26.0174% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 4.1106% | 1,645 |
| Noncurrent loans to loans | 7.4059% | 737 |
| Net loans and leases to total assets | 43.9366% | 6,717 |
| Net loans and leases to deposits | 53.5157% | 6,643 |
| Net loans and leases to core deposits | 71.4560% | 5,275 |
| Total domestic deposits to total assets | 82.1004% | 5,159 |
| Equity capital to assets | 7.0267% | 7,106 |
| Core capital (leverage) ratio | 8.8013% | 4,851 |
| Tier 1 risk-based capital ratio | 13.1310% | 4,502 |
| Total risk-based capital ratio | 14.3817% | 4,457 |
| Memoranda: | ||
| Average total assets | $330,910,000 | 1,962 |
| Average earning assets | $311,553,200 | 1,912 |
| Average equity | $18,146,600 | 3,405 |
| Average total loans | $154,671,800 | 2,689 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 2,821 |
| Cost of funding earning assets | 1.9665% | 841 |
| Net interest margin | 3.4464% | 5,505 |
| Noninterest income to average assets | 0.8518% | 1,989 |
| Noninterest expense to average assets | 3.2594% | 2,710 |
| Loan and lease loss provision to assets | 0.6777% | 2,252 |
| Net operating income to assets | 0.1577% | 5,624 |
| Return on assets (ROA) | -0.1581% | 6,339 |
| Pretax return on assets | -0.1581% | 6,279 |
| Return on Equity (ROE) | -3.0936% | 6,501 |
| Retained earnings to average equity (ytd only) | -3.0936% | 6,363 |
| Net charge-offs to loans | 1.9238% | 989 |
| Credit loss provision to net charge-offs | 74.6144% | 5,299 |
| Earnings coverage of net charge-offs (x) | 0.9198% | 5,139 |
| Efficiency ratio | 79.5992% | 2,409 |
| Assets per employee ($millions) | 4.3213% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 2,619 |
| Loan loss allowance to noncurrent loans | 26.7248% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 3.9330% | 1,789 |
| Noncurrent loans to loans | 6.9372% | 819 |
| Net loans and leases to total assets | 45.0495% | 6,770 |
| Net loans and leases to deposits | 55.8902% | 6,627 |
| Net loans and leases to core deposits | 74.4329% | 5,243 |
| Total domestic deposits to total assets | 80.6036% | 5,514 |
| Equity capital to assets | 6.1385% | 7,470 |
| Core capital (leverage) ratio | 7.8646% | 6,504 |
| Tier 1 risk-based capital ratio | 11.8587% | 5,586 |
| Total risk-based capital ratio | 13.1091% | 5,562 |
| Memoranda: | ||
| Average total assets | $333,095,250 | 1,980 |
| Average earning assets | $313,437,000 | 1,923 |
| Average equity | $17,023,750 | 3,635 |
| Average total loans | $157,257,000 | 2,697 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4378% | 2,811 |
| Cost of funding earning assets | 1.9273% | 1,120 |
| Net interest margin | 3.5106% | 5,207 |
| Noninterest income to average assets | 1.1098% | 1,070 |
| Noninterest expense to average assets | 3.2818% | 2,621 |
| Loan and lease loss provision to assets | 0.7546% | 1,916 |
| Net operating income to assets | 0.3773% | 4,863 |
| Return on assets (ROA) | 0.0000% | 6,188 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.0000% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,729 |
| Net charge-offs to loans | 2.0651% | 877 |
| Credit loss provision to net charge-offs | 76.7090% | 4,800 |
| Earnings coverage of net charge-offs (x) | 1.1506% | 4,644 |
| Efficiency ratio | 74.3562% | 3,403 |
| Assets per employee ($millions) | 4.1449% | 3,498 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 2,397 |
| Loan loss allowance to noncurrent loans | 29.3229% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 3.4518% | 2,038 |
| Noncurrent loans to loans | 6.5014% | 921 |
| Net loans and leases to total assets | 45.1964% | 6,836 |
| Net loans and leases to deposits | 58.5839% | 6,534 |
| Net loans and leases to core deposits | 78.1441% | 4,931 |
| Total domestic deposits to total assets | 77.1482% | 6,461 |
| Equity capital to assets | 5.9296% | 7,552 |
| Core capital (leverage) ratio | 7.9188% | 6,365 |
| Tier 1 risk-based capital ratio | 11.7480% | 5,543 |
| Total risk-based capital ratio | 12.9990% | 5,504 |
| Memoranda: | ||
| Average total assets | $336,093,330 | 1,981 |
| Average earning assets | $316,302,000 | 1,921 |
| Average equity | $16,066,670 | 3,787 |
| Average total loans | $160,088,000 | 2,695 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 2,423 |
| Cost of funding earning assets | 1.9347% | 1,309 |
| Net interest margin | 3.6024% | 4,717 |
| Noninterest income to average assets | 1.3192% | 693 |
| Noninterest expense to average assets | 3.2581% | 2,680 |
| Loan and lease loss provision to assets | 0.6435% | 1,968 |
| Net operating income to assets | 0.8041% | 2,942 |
| Return on assets (ROA) | 0.1523% | 5,977 |
| Pretax return on assets | 0.1523% | 6,015 |
| Return on Equity (ROE) | 3.6194% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.6194% | 3,984 |
| Net charge-offs to loans | 1.6512% | 1,050 |
| Credit loss provision to net charge-offs | 80.5060% | 3,866 |
| Earnings coverage of net charge-offs (x) | 1.8110% | 3,651 |
| Efficiency ratio | 69.2366% | 4,463 |
| Assets per employee ($millions) | 3.8325% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 2,197 |
| Loan loss allowance to noncurrent loans | 33.2055% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 3.4457% | 2,047 |
| Noncurrent loans to loans | 6.0143% | 1,091 |
| Net loans and leases to total assets | 47.6891% | 6,705 |
| Net loans and leases to deposits | 61.4504% | 6,328 |
| Net loans and leases to core deposits | 82.6251% | 4,402 |
| Total domestic deposits to total assets | 77.6058% | 6,428 |
| Equity capital to assets | 4.9691% | 7,723 |
| Core capital (leverage) ratio | 7.0803% | 7,192 |
| Tier 1 risk-based capital ratio | 10.0369% | 7,002 |
| Total risk-based capital ratio | 11.1724% | 7,067 |
| Memoranda: | ||
| Average total assets | $336,271,500 | 2,035 |
| Average earning assets | $316,120,000 | 1,970 |
| Average equity | $14,146,000 | 4,213 |
| Average total loans | $162,787,000 | 2,723 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3672% | 891 |
| Cost of funding earning assets | 2.3801% | 1,360 |
| Net interest margin | 3.9870% | 2,908 |
| Noninterest income to average assets | 0.7328% | 2,772 |
| Noninterest expense to average assets | 2.8436% | 4,772 |
| Loan and lease loss provision to assets | 1.2708% | 1,819 |
| Net operating income to assets | 0.3489% | 4,325 |
| Return on assets (ROA) | -1.2781% | 6,754 |
| Pretax return on assets | -1.2781% | 6,584 |
| Return on Equity (ROE) | -40.1593% | 7,570 |
| Retained earnings to average equity (ytd only) | -53.0982% | 7,703 |
| Net charge-offs to loans | 1.4288% | 1,760 |
| Credit loss provision to net charge-offs | 171.6206% | 2,477 |
| Earnings coverage of net charge-offs (x) | 2.1874% | 4,085 |
| Efficiency ratio | 63.7115% | 5,826 |
| Assets per employee ($millions) | 3.9878% | 3,839 |
| Cash dividends to net income (ytd only)* | -32.2189% | 7,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0183% | 1,978 |
| Loan loss allowance to noncurrent loans | 41.6178% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.9347% | 1,680 |
| Noncurrent loans to loans | 4.8496% | 1,415 |
| Net loans and leases to total assets | 47.1955% | 6,882 |
| Net loans and leases to deposits | 59.6959% | 6,652 |
| Net loans and leases to core deposits | 64.1456% | 7,077 |
| Total domestic deposits to total assets | 79.0598% | 5,960 |
| Equity capital to assets | 3.4740% | 7,893 |
| Core capital (leverage) ratio | 6.8236% | 7,354 |
| Tier 1 risk-based capital ratio | 9.6986% | 7,101 |
| Total risk-based capital ratio | 10.8344% | 7,157 |
| Memoranda: | ||
| Average total assets | $341,684,600 | 1,989 |
| Average earning assets | $319,685,800 | 1,949 |
| Average equity | $10,874,200 | 5,054 |
| Average total loans | $177,070,000 | 2,550 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5907% | 628 |
| Cost of funding earning assets | 2.4733% | 1,383 |
| Net interest margin | 4.1174% | 2,326 |
| Noninterest income to average assets | 0.7866% | 2,503 |
| Noninterest expense to average assets | 2.7762% | 4,993 |
| Loan and lease loss provision to assets | 1.5389% | 1,235 |
| Net operating income to assets | 0.3195% | 4,722 |
| Return on assets (ROA) | 0.5179% | 4,002 |
| Pretax return on assets | 0.5179% | 4,460 |
| Return on Equity (ROE) | 16.6565% | 582 |
| Retained earnings to average equity (ytd only) | -1.0175% | 5,494 |
| Net charge-offs to loans | 1.4789% | 1,388 |
| Credit loss provision to net charge-offs | 197.2959% | 2,276 |
| Earnings coverage of net charge-offs (x) | 2.3826% | 4,042 |
| Efficiency ratio | 59.9022% | 6,428 |
| Assets per employee ($millions) | 3.8938% | 3,964 |
| Cash dividends to net income (ytd only)* | 106.1082% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9754% | 1,860 |
| Loan loss allowance to noncurrent loans | 36.3627% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 3.0292% | 2,288 |
| Noncurrent loans to loans | 5.4325% | 1,154 |
| Net loans and leases to total assets | 51.3454% | 6,670 |
| Net loans and leases to deposits | 65.8621% | 6,321 |
| Net loans and leases to core deposits | 71.3481% | 6,883 |
| Total domestic deposits to total assets | 77.9590% | 6,103 |
| Equity capital to assets | 2.8581% | 8,036 |
| Core capital (leverage) ratio | 8.1812% | 6,052 |
| Tier 1 risk-based capital ratio | 11.1447% | 5,818 |
| Total risk-based capital ratio | 12.2470% | 5,923 |
| Memoranda: | ||
| Average total assets | $341,368,750 | 2,010 |
| Average earning assets | $319,029,250 | 1,969 |
| Average equity | $10,614,250 | 5,161 |
| Average total loans | $180,040,000 | 2,543 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6935% | 545 |
| Cost of funding earning assets | 2.4464% | 1,792 |
| Net interest margin | 4.2471% | 1,828 |
| Noninterest income to average assets | 0.6899% | 3,056 |
| Noninterest expense to average assets | 2.8486% | 4,747 |
| Loan and lease loss provision to assets | 2.1023% | 756 |
| Net operating income to assets | -0.2940% | 6,321 |
| Return on assets (ROA) | -0.2410% | 6,265 |
| Pretax return on assets | -0.2410% | 6,169 |
| Return on Equity (ROE) | -7.5534% | 6,859 |
| Retained earnings to average equity (ytd only) | -25.5610% | 7,600 |
| Net charge-offs to loans | 1.7226% | 1,101 |
| Credit loss provision to net charge-offs | 230.8824% | 1,999 |
| Earnings coverage of net charge-offs (x) | 1.9859% | 4,098 |
| Efficiency ratio | 61.1701% | 6,371 |
| Assets per employee ($millions) | 3.9799% | 3,717 |
| Cash dividends to net income (ytd only)* | -238.4058% | 8,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 1,525 |
| Loan loss allowance to noncurrent loans | 160.6934% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0231% | 3,169 |
| Noncurrent loans to loans | 1.2581% | 4,685 |
| Net loans and leases to total assets | 51.1302% | 6,772 |
| Net loans and leases to deposits | 67.3457% | 6,261 |
| Net loans and leases to core deposits | 72.0250% | 6,895 |
| Total domestic deposits to total assets | 75.9221% | 6,570 |
| Equity capital to assets | 0.9711% | 8,160 |
| Core capital (leverage) ratio | 7.6824% | 6,785 |
| Tier 1 risk-based capital ratio | 10.3972% | 6,482 |
| Total risk-based capital ratio | 11.2653% | 6,835 |
| Memoranda: | ||
| Average total assets | $343,534,670 | 2,012 |
| Average earning assets | $320,880,330 | 1,975 |
| Average equity | $10,962,000 | 5,096 |
| Average total loans | $181,584,670 | 2,553 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4731% | 917 |
| Cost of funding earning assets | 2.5058% | 1,897 |
| Net interest margin | 3.9674% | 2,788 |
| Noninterest income to average assets | 0.5500% | 3,919 |
| Noninterest expense to average assets | 2.9432% | 4,000 |
| Loan and lease loss provision to assets | 0.4449% | 2,695 |
| Net operating income to assets | 0.8851% | 2,760 |
| Return on assets (ROA) | 0.8851% | 2,910 |
| Pretax return on assets | 0.8851% | 3,768 |
| Return on Equity (ROE) | 20.7020% | 379 |
| Retained earnings to average equity (ytd only) | 8.4051% | 1,660 |
| Net charge-offs to loans | 0.7409% | 1,704 |
| Credit loss provision to net charge-offs | 112.9032% | 3,434 |
| Earnings coverage of net charge-offs (x) | 3.3754% | 3,197 |
| Efficiency ratio | 68.8751% | 4,803 |
| Assets per employee ($millions) | 4.0843% | 3,481 |
| Cash dividends to net income (ytd only)* | 59.3995% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 6,940 |
| Loan loss allowance to noncurrent loans | 15.9470% | 7,365 |
| Noncurrent assets plus other real estate owned to assets | 2.8373% | 2,001 |
| Noncurrent loans to loans | 5.3642% | 984 |
| Net loans and leases to total assets | 52.2797% | 6,653 |
| Net loans and leases to deposits | 70.6903% | 5,906 |
| Net loans and leases to core deposits | 75.9476% | 6,679 |
| Total domestic deposits to total assets | 73.9560% | 6,902 |
| Equity capital to assets | 3.4373% | 8,187 |
| Core capital (leverage) ratio | 8.5951% | 5,353 |
| Tier 1 risk-based capital ratio | 10.9198% | 5,971 |
| Total risk-based capital ratio | 11.5247% | 6,542 |
| Memoranda: | ||
| Average total assets | $346,157,500 | 2,006 |
| Average earning assets | $324,851,500 | 1,948 |
| Average equity | $14,800,500 | 4,177 |
| Average total loans | $184,108,500 | 2,543 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5990% | 2,499 |
| Cost of funding earning assets | 2.4967% | 4,223 |
| Net interest margin | 4.1023% | 2,702 |
| Noninterest income to average assets | 0.9411% | 1,811 |
| Noninterest expense to average assets | 3.0824% | 3,772 |
| Loan and lease loss provision to assets | 0.2987% | 3,988 |
| Net operating income to assets | 1.3914% | 1,249 |
| Return on assets (ROA) | 1.4046% | 1,174 |
| Pretax return on assets | 1.4046% | 1,962 |
| Return on Equity (ROE) | 17.6710% | 559 |
| Retained earnings to average equity (ytd only) | -4.8528% | 6,488 |
| Net charge-offs to loans | 0.4296% | 2,673 |
| Credit loss provision to net charge-offs | 131.8860% | 4,038 |
| Earnings coverage of net charge-offs (x) | 7.4613% | 3,106 |
| Efficiency ratio | 64.5866% | 5,424 |
| Assets per employee ($millions) | 3.8781% | 3,789 |
| Cash dividends to net income (ytd only)* | 127.4617% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 7,021 |
| Loan loss allowance to noncurrent loans | 20.5426% | 7,209 |
| Noncurrent assets plus other real estate owned to assets | 2.1466% | 2,287 |
| Noncurrent loans to loans | 4.0016% | 1,227 |
| Net loans and leases to total assets | 53.2036% | 6,730 |
| Net loans and leases to deposits | 77.4311% | 5,418 |
| Net loans and leases to core deposits | 84.5100% | 6,254 |
| Total domestic deposits to total assets | 68.7108% | 7,406 |
| Equity capital to assets | 5.1190% | 8,174 |
| Core capital (leverage) ratio | 8.4667% | 5,630 |
| Tier 1 risk-based capital ratio | 11.0232% | 5,708 |
| Total risk-based capital ratio | 11.6417% | 6,198 |
| Memoranda: | ||
| Average total assets | $325,361,200 | 2,053 |
| Average earning assets | $303,879,600 | 2,008 |
| Average equity | $25,861,600 | 2,572 |
| Average total loans | $171,552,400 | 2,589 |