Home > Wolf River Community Bank > Performance and Condition Ratios
Wolf River Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 1,419 |
| Cost of funding earning assets | 1.4318% | 3,359 |
| Net interest margin | 4.4057% | 735 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.2840% | 2,887 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 1.6651% | 792 |
| Return on assets (ROA) | 1.6651% | 790 |
| Pretax return on assets | 2.0257% | 661 |
| Return on Equity (ROE) | 14.5700% | 1,163 |
| Retained earnings to average equity (ytd only) | 11.0269% | 953 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 50.8884% | 3,839 |
| Assets per employee ($millions) | 7.3962% | 1,948 |
| Cash dividends to net income (ytd only)* | 24.3031% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 625 |
| Loan loss allowance to noncurrent loans | 2,740.9639% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,333 |
| Noncurrent loans to loans | 0.0628% | 3,359 |
| Net loans and leases to total assets | 76.3700% | 1,035 |
| Net loans and leases to deposits | 90.4507% | 1,067 |
| Net loans and leases to core deposits | 95.4586% | 1,664 |
| Total domestic deposits to total assets | 84.4400% | 2,780 |
| Equity capital to assets | 11.4680% | 1,430 |
| Core capital (leverage) ratio | 12.0212% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $336,083,000 | 2,318 |
| Average earning assets | $311,506,000 | 2,321 |
| Average equity | $38,415,000 | 2,087 |
| Average total loans | $264,489,500 | 2,036 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5594% | 2,023 |
| Cost of funding earning assets | 1.3832% | 3,549 |
| Net interest margin | 4.1762% | 957 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.4731% | 2,383 |
| Loan and lease loss provision to assets | 0.3000% | 406 |
| Net operating income to assets | 1.3122% | 1,260 |
| Return on assets (ROA) | 1.3122% | 1,268 |
| Pretax return on assets | 1.5781% | 1,154 |
| Return on Equity (ROE) | 11.2800% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.1409% | 562 |
| Net charge-offs to loans | -0.0004% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 56.8334% | 3,475 |
| Assets per employee ($millions) | 6.9155% | 2,217 |
| Cash dividends to net income (ytd only)* | 10.1210% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 699 |
| Loan loss allowance to noncurrent loans | 2,444.4444% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,291 |
| Noncurrent loans to loans | 0.0680% | 3,305 |
| Net loans and leases to total assets | 78.3800% | 849 |
| Net loans and leases to deposits | 92.8062% | 958 |
| Net loans and leases to core deposits | 97.5469% | 1,617 |
| Total domestic deposits to total assets | 84.4600% | 2,671 |
| Equity capital to assets | 11.3914% | 1,426 |
| Core capital (leverage) ratio | 12.3318% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $308,717,200 | 2,423 |
| Average earning assets | $287,439,600 | 2,412 |
| Average equity | $35,904,200 | 2,138 |
| Average total loans | $245,995,800 | 2,105 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 2,090 |
| Cost of funding earning assets | 1.3664% | 3,566 |
| Net interest margin | 4.1285% | 983 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.4803% | 2,315 |
| Loan and lease loss provision to assets | 0.2900% | 363 |
| Net operating income to assets | 1.2901% | 1,323 |
| Return on assets (ROA) | 1.2901% | 1,320 |
| Pretax return on assets | 1.5481% | 1,238 |
| Return on Equity (ROE) | 11.0300% | 1,887 |
| Retained earnings to average equity (ytd only) | 9.8642% | 887 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 57.3946% | 3,414 |
| Assets per employee ($millions) | 6.6699% | 2,370 |
| Cash dividends to net income (ytd only)* | 10.5766% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 789 |
| Loan loss allowance to noncurrent loans | 1,417.4658% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 3,077 |
| Noncurrent loans to loans | 0.1151% | 3,110 |
| Net loans and leases to total assets | 79.6100% | 677 |
| Net loans and leases to deposits | 94.2580% | 839 |
| Net loans and leases to core deposits | 99.0401% | 1,549 |
| Total domestic deposits to total assets | 84.4600% | 2,463 |
| Equity capital to assets | 11.8981% | 1,320 |
| Core capital (leverage) ratio | 12.5728% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $302,911,000 | 2,444 |
| Average earning assets | $282,292,250 | 2,441 |
| Average equity | $35,427,000 | 2,151 |
| Average total loans | $241,348,750 | 2,121 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4387% | 2,087 |
| Cost of funding earning assets | 1.3288% | 3,580 |
| Net interest margin | 4.1099% | 987 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 2.5058% | 2,229 |
| Loan and lease loss provision to assets | 0.2700% | 385 |
| Net operating income to assets | 1.2673% | 1,331 |
| Return on assets (ROA) | 1.2673% | 1,332 |
| Pretax return on assets | 1.5111% | 1,261 |
| Return on Equity (ROE) | 10.9000% | 1,919 |
| Retained earnings to average equity (ytd only) | 9.1199% | 1,071 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.4450% | 3,351 |
| Assets per employee ($millions) | 6.7116% | 2,257 |
| Cash dividends to net income (ytd only)* | 16.3416% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 888 |
| Loan loss allowance to noncurrent loans | 1,250.9677% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 2,956 |
| Noncurrent loans to loans | 0.1269% | 3,015 |
| Net loans and leases to total assets | 79.5800% | 720 |
| Net loans and leases to deposits | 91.4265% | 1,176 |
| Net loans and leases to core deposits | 95.4386% | 1,770 |
| Total domestic deposits to total assets | 87.0500% | 1,636 |
| Equity capital to assets | 11.7196% | 1,266 |
| Core capital (leverage) ratio | 12.4709% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $299,386,000 | 2,460 |
| Average earning assets | $278,743,333 | 2,452 |
| Average equity | $34,803,000 | 2,147 |
| Average total loans | $237,225,000 | 2,131 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 2,093 |
| Cost of funding earning assets | 1.2967% | 3,565 |
| Net interest margin | 4.0589% | 1,008 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.4437% | 2,400 |
| Loan and lease loss provision to assets | 0.2300% | 428 |
| Net operating income to assets | 1.2413% | 1,346 |
| Return on assets (ROA) | 1.2413% | 1,354 |
| Pretax return on assets | 1.5554% | 1,166 |
| Return on Equity (ROE) | 10.7200% | 1,922 |
| Retained earnings to average equity (ytd only) | 7.1291% | 1,791 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.7912% | 3,455 |
| Assets per employee ($millions) | 6.2982% | 2,598 |
| Cash dividends to net income (ytd only)* | 33.5135% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 964 |
| Loan loss allowance to noncurrent loans | 1,460.9562% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,090 |
| Noncurrent loans to loans | 0.1057% | 3,084 |
| Net loans and leases to total assets | 77.3500% | 914 |
| Net loans and leases to deposits | 88.2816% | 1,341 |
| Net loans and leases to core deposits | 92.2089% | 1,902 |
| Total domestic deposits to total assets | 87.6100% | 1,569 |
| Equity capital to assets | 11.4789% | 1,316 |
| Core capital (leverage) ratio | 12.1131% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $298,067,500 | 2,472 |
| Average earning assets | $277,314,500 | 2,471 |
| Average equity | $34,506,500 | 2,161 |
| Average total loans | $233,717,500 | 2,149 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 2,520 |
| Cost of funding earning assets | 0.9056% | 3,512 |
| Net interest margin | 3.8723% | 1,435 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.6500% | 1,872 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0627% | 2,029 |
| Return on assets (ROA) | 1.0627% | 2,001 |
| Pretax return on assets | 1.3540% | 1,731 |
| Return on Equity (ROE) | 9.4000% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.4062% | 1,422 |
| Net charge-offs to loans | 0.0066% | 2,441 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 291.5000% | 438 |
| Efficiency ratio | 64.9910% | 2,482 |
| Assets per employee ($millions) | 5.9964% | 2,829 |
| Cash dividends to net income (ytd only)* | 10.5332% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 992 |
| Loan loss allowance to noncurrent loans | 1,106.3291% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,820 |
| Noncurrent loans to loans | 0.1374% | 2,823 |
| Net loans and leases to total assets | 77.0700% | 966 |
| Net loans and leases to deposits | 87.7874% | 1,453 |
| Net loans and leases to core deposits | 90.6951% | 2,002 |
| Total domestic deposits to total assets | 87.7900% | 1,420 |
| Equity capital to assets | 11.6774% | 1,231 |
| Core capital (leverage) ratio | 12.6032% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $285,886,200 | 2,492 |
| Average earning assets | $265,347,000 | 2,490 |
| Average equity | $32,333,200 | 2,170 |
| Average total loans | $210,713,000 | 2,228 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 2,501 |
| Cost of funding earning assets | 0.8512% | 3,397 |
| Net interest margin | 3.8342% | 1,532 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.6807% | 1,723 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0407% | 2,244 |
| Return on assets (ROA) | 1.0407% | 2,234 |
| Pretax return on assets | 1.3234% | 1,966 |
| Return on Equity (ROE) | 9.2800% | 2,856 |
| Retained earnings to average equity (ytd only) | 7.9398% | 1,985 |
| Net charge-offs to loans | 0.0097% | 2,043 |
| Credit loss provision to net charge-offs | 800.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 195.8667% | 608 |
| Efficiency ratio | 66.0190% | 2,273 |
| Assets per employee ($millions) | 5.6223% | 3,083 |
| Cash dividends to net income (ytd only)* | 14.4404% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 933 |
| Loan loss allowance to noncurrent loans | 945.8333% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 2,702 |
| Noncurrent loans to loans | 0.1664% | 2,708 |
| Net loans and leases to total assets | 75.7600% | 1,149 |
| Net loans and leases to deposits | 86.0219% | 1,573 |
| Net loans and leases to core deposits | 88.4157% | 2,026 |
| Total domestic deposits to total assets | 88.0700% | 1,543 |
| Equity capital to assets | 11.3492% | 1,225 |
| Core capital (leverage) ratio | 12.4166% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $283,902,000 | 2,502 |
| Average earning assets | $263,792,250 | 2,502 |
| Average equity | $31,838,750 | 2,174 |
| Average total loans | $205,906,250 | 2,247 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 2,446 |
| Cost of funding earning assets | 0.8021% | 3,195 |
| Net interest margin | 3.7818% | 1,660 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.6661% | 1,730 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0357% | 2,296 |
| Return on assets (ROA) | 1.0357% | 2,295 |
| Pretax return on assets | 1.3166% | 2,033 |
| Return on Equity (ROE) | 9.2700% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.2603% | 2,206 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.5907% | 2,169 |
| Assets per employee ($millions) | 5.5783% | 3,079 |
| Cash dividends to net income (ytd only)* | 21.6949% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 926 |
| Loan loss allowance to noncurrent loans | 693.7500% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 2,350 |
| Noncurrent loans to loans | 0.2313% | 2,339 |
| Net loans and leases to total assets | 73.2200% | 1,380 |
| Net loans and leases to deposits | 83.3018% | 1,738 |
| Net loans and leases to core deposits | 85.9643% | 2,077 |
| Total domestic deposits to total assets | 87.9000% | 1,643 |
| Equity capital to assets | 11.5981% | 1,176 |
| Core capital (leverage) ratio | 12.3126% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $284,831,667 | 2,501 |
| Average earning assets | $264,796,000 | 2,496 |
| Average equity | $31,817,000 | 2,193 |
| Average total loans | $202,417,667 | 2,272 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 2,328 |
| Cost of funding earning assets | 0.8034% | 2,721 |
| Net interest margin | 3.6909% | 1,919 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.5963% | 1,960 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.0091% | 2,504 |
| Return on assets (ROA) | 1.0091% | 2,468 |
| Pretax return on assets | 1.2773% | 2,233 |
| Return on Equity (ROE) | 9.2000% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.1472% | 2,993 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6667% | 2,131 |
| Assets per employee ($millions) | 5.6094% | 3,108 |
| Cash dividends to net income (ytd only)* | 44.0771% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 899 |
| Loan loss allowance to noncurrent loans | 791.1695% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 2,488 |
| Noncurrent loans to loans | 0.2091% | 2,428 |
| Net loans and leases to total assets | 68.9000% | 1,738 |
| Net loans and leases to deposits | 77.9946% | 1,973 |
| Net loans and leases to core deposits | 79.8109% | 2,272 |
| Total domestic deposits to total assets | 88.3300% | 1,804 |
| Equity capital to assets | 11.1966% | 1,268 |
| Core capital (leverage) ratio | 11.5426% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $287,789,000 | 2,527 |
| Average earning assets | $267,361,500 | 2,518 |
| Average equity | $31,551,000 | 2,229 |
| Average total loans | $199,851,000 | 2,307 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 2,347 |
| Cost of funding earning assets | 0.2400% | 3,416 |
| Net interest margin | 3.5335% | 1,828 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.5289% | 2,027 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9703% | 2,674 |
| Return on assets (ROA) | 0.9703% | 2,617 |
| Pretax return on assets | 1.2374% | 2,315 |
| Return on Equity (ROE) | 8.6500% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.5880% | 1,990 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.4263% | 2,159 |
| Assets per employee ($millions) | 5.5673% | 3,154 |
| Cash dividends to net income (ytd only)* | 12.2324% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 865 |
| Loan loss allowance to noncurrent loans | 746.6063% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 2,471 |
| Noncurrent loans to loans | 0.2218% | 2,380 |
| Net loans and leases to total assets | 67.7000% | 1,863 |
| Net loans and leases to deposits | 76.2070% | 2,082 |
| Net loans and leases to core deposits | 77.6395% | 2,304 |
| Total domestic deposits to total assets | 88.8400% | 1,762 |
| Equity capital to assets | 10.7327% | 1,360 |
| Core capital (leverage) ratio | 11.9152% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $269,598,400 | 2,611 |
| Average earning assets | $250,033,800 | 2,615 |
| Average equity | $30,258,400 | 2,325 |
| Average total loans | $183,038,800 | 2,351 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 2,268 |
| Cost of funding earning assets | 0.1585% | 3,743 |
| Net interest margin | 3.4673% | 1,759 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.5726% | 1,782 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9261% | 2,772 |
| Return on assets (ROA) | 0.9261% | 2,740 |
| Pretax return on assets | 1.1785% | 2,458 |
| Return on Equity (ROE) | 8.1500% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.7341% | 2,469 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1709% | 1,993 |
| Assets per employee ($millions) | 5.1277% | 3,567 |
| Cash dividends to net income (ytd only)* | 17.4102% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 845 |
| Loan loss allowance to noncurrent loans | 700.2165% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 2,435 |
| Noncurrent loans to loans | 0.2455% | 2,399 |
| Net loans and leases to total assets | 68.0500% | 1,673 |
| Net loans and leases to deposits | 76.7358% | 1,817 |
| Net loans and leases to core deposits | 78.1468% | 2,032 |
| Total domestic deposits to total assets | 88.6900% | 2,219 |
| Equity capital to assets | 10.8247% | 1,242 |
| Core capital (leverage) ratio | 11.7618% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $264,623,250 | 2,656 |
| Average earning assets | $245,605,250 | 2,656 |
| Average equity | $30,055,250 | 2,366 |
| Average total loans | $178,976,000 | 2,386 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 2,201 |
| Cost of funding earning assets | 0.1044% | 4,146 |
| Net interest margin | 3.3719% | 1,683 |
| Noninterest income to average assets | 0.5682% | 1,871 |
| Noninterest expense to average assets | 2.5984% | 1,640 |
| Loan and lease loss provision to assets | 0.0229% | 2,186 |
| Net operating income to assets | 0.8488% | 2,783 |
| Return on assets (ROA) | 0.8488% | 2,761 |
| Pretax return on assets | 1.0746% | 2,500 |
| Return on Equity (ROE) | 7.3544% | 3,201 |
| Retained earnings to average equity (ytd only) | 5.2399% | 2,617 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3054% | 1,916 |
| Assets per employee ($millions) | 4.9824% | 3,689 |
| Cash dividends to net income (ytd only)* | 28.7511% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 848 |
| Loan loss allowance to noncurrent loans | 584.3920% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 2,291 |
| Noncurrent loans to loans | 0.3032% | 2,244 |
| Net loans and leases to total assets | 66.3504% | 1,649 |
| Net loans and leases to deposits | 74.9745% | 1,761 |
| Net loans and leases to core deposits | 76.0282% | 2,013 |
| Total domestic deposits to total assets | 88.4973% | 2,385 |
| Equity capital to assets | 11.0727% | 1,174 |
| Core capital (leverage) ratio | 12.0533% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,242,000 | 2,693 |
| Average earning assets | $243,248,333 | 2,703 |
| Average equity | $30,267,667 | 2,404 |
| Average total loans | $175,907,333 | 2,411 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 1,923 |
| Cost of funding earning assets | 0.0934% | 4,220 |
| Net interest margin | 3.3659% | 1,385 |
| Noninterest income to average assets | 0.5517% | 1,891 |
| Noninterest expense to average assets | 2.6008% | 1,600 |
| Loan and lease loss provision to assets | 0.0232% | 1,942 |
| Net operating income to assets | 0.8252% | 2,573 |
| Return on assets (ROA) | 0.8252% | 2,570 |
| Pretax return on assets | 1.0478% | 2,300 |
| Return on Equity (ROE) | 7.0019% | 3,040 |
| Retained earnings to average equity (ytd only) | 2.8060% | 3,335 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8333% | 2,119 |
| Assets per employee ($millions) | 4.7532% | 3,961 |
| Cash dividends to net income (ytd only)* | 59.9251% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8340% | 828 |
| Loan loss allowance to noncurrent loans | 510.3503% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,173 |
| Noncurrent loans to loans | 0.3594% | 2,197 |
| Net loans and leases to total assets | 66.8367% | 1,324 |
| Net loans and leases to deposits | 75.9852% | 1,449 |
| Net loans and leases to core deposits | 77.1092% | 1,694 |
| Total domestic deposits to total assets | 87.9601% | 2,541 |
| Equity capital to assets | 11.5930% | 1,095 |
| Core capital (leverage) ratio | 11.9730% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,838,500 | 2,730 |
| Average earning assets | $239,938,000 | 2,739 |
| Average equity | $30,506,000 | 2,456 |
| Average total loans | $172,993,500 | 2,434 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 1,519 |
| Cost of funding earning assets | 0.1269% | 4,175 |
| Net interest margin | 3.8122% | 980 |
| Noninterest income to average assets | 0.8388% | 1,351 |
| Noninterest expense to average assets | 2.5756% | 1,936 |
| Loan and lease loss provision to assets | 0.0244% | 2,576 |
| Net operating income to assets | 1.3347% | 1,495 |
| Return on assets (ROA) | 1.3347% | 1,533 |
| Pretax return on assets | 1.7417% | 1,042 |
| Return on Equity (ROE) | 10.9901% | 2,171 |
| Retained earnings to average equity (ytd only) | 10.0871% | 896 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3227% | 3,252 |
| Assets per employee ($millions) | 5.6740% | 3,091 |
| Cash dividends to net income (ytd only)* | 8.2167% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 781 |
| Loan loss allowance to noncurrent loans | 482.6021% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 2,300 |
| Noncurrent loans to loans | 0.3860% | 2,204 |
| Net loans and leases to total assets | 64.3823% | 1,657 |
| Net loans and leases to deposits | 73.5705% | 1,765 |
| Net loans and leases to core deposits | 74.8936% | 2,007 |
| Total domestic deposits to total assets | 87.5110% | 2,278 |
| Equity capital to assets | 11.9752% | 1,261 |
| Core capital (leverage) ratio | 12.4458% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,191,000 | 2,755 |
| Average earning assets | $226,222,200 | 2,770 |
| Average equity | $29,899,600 | 2,541 |
| Average total loans | $159,312,600 | 2,549 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 1,310 |
| Cost of funding earning assets | 0.1403% | 4,192 |
| Net interest margin | 3.9552% | 858 |
| Noninterest income to average assets | 0.8561% | 1,361 |
| Noninterest expense to average assets | 2.6304% | 1,752 |
| Loan and lease loss provision to assets | 0.0247% | 2,499 |
| Net operating income to assets | 1.3988% | 1,548 |
| Return on assets (ROA) | 1.3988% | 1,609 |
| Pretax return on assets | 1.8282% | 1,097 |
| Return on Equity (ROE) | 11.4745% | 2,219 |
| Retained earnings to average equity (ytd only) | 10.2567% | 1,242 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6706% | 3,168 |
| Assets per employee ($millions) | 5.4441% | 3,261 |
| Cash dividends to net income (ytd only)* | 10.6132% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 667 |
| Loan loss allowance to noncurrent loans | 439.7507% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 2,263 |
| Noncurrent loans to loans | 0.4488% | 2,212 |
| Net loans and leases to total assets | 65.8327% | 1,570 |
| Net loans and leases to deposits | 75.9134% | 1,681 |
| Net loans and leases to core deposits | 77.4153% | 1,925 |
| Total domestic deposits to total assets | 86.7207% | 2,455 |
| Equity capital to assets | 12.7641% | 1,066 |
| Core capital (leverage) ratio | 12.3398% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,487,500 | 2,796 |
| Average earning assets | $222,384,000 | 2,823 |
| Average equity | $29,560,500 | 2,598 |
| Average total loans | $156,333,000 | 2,619 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 907 |
| Cost of funding earning assets | 0.1564% | 4,152 |
| Net interest margin | 4.2035% | 581 |
| Noninterest income to average assets | 0.9069% | 1,255 |
| Noninterest expense to average assets | 2.6615% | 1,683 |
| Loan and lease loss provision to assets | 0.0246% | 2,476 |
| Net operating income to assets | 1.5673% | 1,125 |
| Return on assets (ROA) | 1.5673% | 1,187 |
| Pretax return on assets | 2.0619% | 740 |
| Return on Equity (ROE) | 13.0585% | 1,696 |
| Retained earnings to average equity (ytd only) | 11.2106% | 1,076 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0554% | 3,533 |
| Assets per employee ($millions) | 5.3774% | 3,260 |
| Cash dividends to net income (ytd only)* | 14.1509% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 643 |
| Loan loss allowance to noncurrent loans | 391.5737% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 2,266 |
| Noncurrent loans to loans | 0.5039% | 2,167 |
| Net loans and leases to total assets | 64.8701% | 1,844 |
| Net loans and leases to deposits | 74.4767% | 1,957 |
| Net loans and leases to core deposits | 75.9277% | 2,243 |
| Total domestic deposits to total assets | 87.1013% | 2,263 |
| Equity capital to assets | 12.4128% | 1,173 |
| Core capital (leverage) ratio | 12.3061% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,470,333 | 2,785 |
| Average earning assets | $222,482,333 | 2,815 |
| Average equity | $29,222,333 | 2,612 |
| Average total loans | $154,820,667 | 2,638 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 920 |
| Cost of funding earning assets | 0.2039% | 3,873 |
| Net interest margin | 4.1906% | 610 |
| Noninterest income to average assets | 0.9647% | 1,199 |
| Noninterest expense to average assets | 2.7288% | 1,558 |
| Loan and lease loss provision to assets | 0.0246% | 2,466 |
| Net operating income to assets | 1.5331% | 1,258 |
| Return on assets (ROA) | 1.5331% | 1,319 |
| Pretax return on assets | 2.0146% | 925 |
| Return on Equity (ROE) | 12.9932% | 1,675 |
| Retained earnings to average equity (ytd only) | 9.2452% | 1,873 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2312% | 3,403 |
| Assets per employee ($millions) | 5.4837% | 3,137 |
| Cash dividends to net income (ytd only)* | 28.8462% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 534 |
| Loan loss allowance to noncurrent loans | 356.9807% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 2,337 |
| Noncurrent loans to loans | 0.5774% | 2,125 |
| Net loans and leases to total assets | 61.9391% | 2,293 |
| Net loans and leases to deposits | 70.8456% | 2,430 |
| Net loans and leases to core deposits | 72.2219% | 2,683 |
| Total domestic deposits to total assets | 87.4284% | 2,126 |
| Equity capital to assets | 12.0187% | 1,273 |
| Core capital (leverage) ratio | 11.2570% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,213,000 | 2,763 |
| Average earning assets | $221,639,500 | 2,806 |
| Average equity | $28,815,000 | 2,630 |
| Average total loans | $152,163,000 | 2,668 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 1,357 |
| Cost of funding earning assets | 0.4650% | 3,190 |
| Net interest margin | 4.0178% | 936 |
| Noninterest income to average assets | 1.4425% | 575 |
| Noninterest expense to average assets | 2.6901% | 2,269 |
| Loan and lease loss provision to assets | 0.4958% | 503 |
| Net operating income to assets | 1.5019% | 803 |
| Return on assets (ROA) | 1.5019% | 880 |
| Pretax return on assets | 1.9729% | 480 |
| Return on Equity (ROE) | 12.5321% | 1,169 |
| Retained earnings to average equity (ytd only) | 11.4996% | 378 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1455% | 4,373 |
| Assets per employee ($millions) | 5.8844% | 2,454 |
| Cash dividends to net income (ytd only)* | 8.2385% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 521 |
| Loan loss allowance to noncurrent loans | 270.7612% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 2,129 |
| Noncurrent loans to loans | 0.7619% | 1,801 |
| Net loans and leases to total assets | 60.1281% | 2,851 |
| Net loans and leases to deposits | 72.4493% | 2,642 |
| Net loans and leases to core deposits | 74.0014% | 2,916 |
| Total domestic deposits to total assets | 82.9933% | 3,413 |
| Equity capital to assets | 11.5847% | 1,823 |
| Core capital (leverage) ratio | 11.6334% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,259,000 | 2,779 |
| Average earning assets | $205,583,000 | 2,783 |
| Average equity | $26,635,600 | 2,699 |
| Average total loans | $157,864,400 | 2,578 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 1,032 |
| Cost of funding earning assets | 0.5316% | 3,039 |
| Net interest margin | 4.1820% | 762 |
| Noninterest income to average assets | 1.3016% | 640 |
| Noninterest expense to average assets | 2.7766% | 2,031 |
| Loan and lease loss provision to assets | 0.6647% | 347 |
| Net operating income to assets | 1.3436% | 1,252 |
| Return on assets (ROA) | 1.3436% | 1,347 |
| Pretax return on assets | 1.7540% | 862 |
| Return on Equity (ROE) | 11.1054% | 1,644 |
| Retained earnings to average equity (ytd only) | 9.7026% | 828 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4450% | 4,207 |
| Assets per employee ($millions) | 5.8051% | 2,441 |
| Cash dividends to net income (ytd only)* | 12.6321% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 624 |
| Loan loss allowance to noncurrent loans | 302.8293% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 2,377 |
| Noncurrent loans to loans | 0.6162% | 2,262 |
| Net loans and leases to total assets | 68.5854% | 2,163 |
| Net loans and leases to deposits | 83.9306% | 1,921 |
| Net loans and leases to core deposits | 86.6799% | 2,259 |
| Total domestic deposits to total assets | 81.7167% | 3,490 |
| Equity capital to assets | 11.5235% | 1,989 |
| Core capital (leverage) ratio | 11.1209% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,037,750 | 2,809 |
| Average earning assets | $201,145,000 | 2,794 |
| Average equity | $26,136,750 | 2,724 |
| Average total loans | $159,397,250 | 2,575 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 725 |
| Cost of funding earning assets | 0.6003% | 2,962 |
| Net interest margin | 4.4716% | 536 |
| Noninterest income to average assets | 1.1489% | 758 |
| Noninterest expense to average assets | 2.8345% | 2,008 |
| Loan and lease loss provision to assets | 0.7196% | 377 |
| Net operating income to assets | 1.3368% | 1,257 |
| Return on assets (ROA) | 1.3368% | 1,356 |
| Pretax return on assets | 1.7421% | 907 |
| Return on Equity (ROE) | 10.8532% | 1,682 |
| Retained earnings to average equity (ytd only) | 8.7137% | 1,099 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5191% | 4,230 |
| Assets per employee ($millions) | 5.1077% | 3,058 |
| Cash dividends to net income (ytd only)* | 19.7133% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 801 |
| Loan loss allowance to noncurrent loans | 274.0631% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 2,424 |
| Noncurrent loans to loans | 0.6235% | 2,299 |
| Net loans and leases to total assets | 71.1292% | 1,851 |
| Net loans and leases to deposits | 87.9145% | 1,567 |
| Net loans and leases to core deposits | 90.9973% | 1,989 |
| Total domestic deposits to total assets | 80.9072% | 3,631 |
| Equity capital to assets | 11.8351% | 1,765 |
| Core capital (leverage) ratio | 11.7995% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,713,667 | 2,835 |
| Average earning assets | $193,576,333 | 2,846 |
| Average equity | $25,706,667 | 2,740 |
| Average total loans | $157,081,667 | 2,590 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,816 |
| Cost of funding earning assets | 0.6854% | 2,992 |
| Net interest margin | 3.9768% | 1,454 |
| Noninterest income to average assets | 0.7593% | 1,435 |
| Noninterest expense to average assets | 2.7962% | 2,443 |
| Loan and lease loss provision to assets | 0.0518% | 3,129 |
| Net operating income to assets | 1.2277% | 1,438 |
| Return on assets (ROA) | 1.2277% | 1,543 |
| Pretax return on assets | 1.5884% | 1,088 |
| Return on Equity (ROE) | 9.7542% | 1,822 |
| Retained earnings to average equity (ytd only) | 5.3996% | 2,116 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0279% | 3,365 |
| Assets per employee ($millions) | 4.9039% | 2,744 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 1,985 |
| Loan loss allowance to noncurrent loans | 228.8740% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 2,629 |
| Noncurrent loans to loans | 0.5831% | 2,548 |
| Net loans and leases to total assets | 73.6960% | 1,661 |
| Net loans and leases to deposits | 91.7708% | 1,312 |
| Net loans and leases to core deposits | 95.6030% | 1,834 |
| Total domestic deposits to total assets | 80.3044% | 3,797 |
| Equity capital to assets | 12.3579% | 1,827 |
| Core capital (leverage) ratio | 12.4129% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,701,000 | 2,864 |
| Average earning assets | $185,577,500 | 2,864 |
| Average equity | $25,261,000 | 2,762 |
| Average total loans | $154,305,500 | 2,597 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 1,764 |
| Cost of funding earning assets | 0.7230% | 3,051 |
| Net interest margin | 4.1708% | 1,373 |
| Noninterest income to average assets | 0.6258% | 2,110 |
| Noninterest expense to average assets | 2.8394% | 2,477 |
| Loan and lease loss provision to assets | 0.0936% | 2,163 |
| Net operating income to assets | 1.2064% | 2,035 |
| Return on assets (ROA) | 1.2064% | 2,121 |
| Pretax return on assets | 1.5515% | 1,646 |
| Return on Equity (ROE) | 9.7939% | 2,394 |
| Retained earnings to average equity (ytd only) | 8.7390% | 778 |
| Net charge-offs to loans | 0.0013% | 3,677 |
| Credit loss provision to net charge-offs | 9,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,582.5000% | 51 |
| Efficiency ratio | 63.3171% | 3,171 |
| Assets per employee ($millions) | 4.7668% | 2,874 |
| Cash dividends to net income (ytd only)* | 10.7712% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 1,868 |
| Loan loss allowance to noncurrent loans | 235.5401% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 2,542 |
| Noncurrent loans to loans | 0.5563% | 2,509 |
| Net loans and leases to total assets | 78.1541% | 1,058 |
| Net loans and leases to deposits | 98.3921% | 724 |
| Net loans and leases to core deposits | 102.2664% | 1,387 |
| Total domestic deposits to total assets | 79.4312% | 4,094 |
| Equity capital to assets | 12.8272% | 1,624 |
| Core capital (leverage) ratio | 12.5654% | 1,450 |
| Tier 1 risk-based capital ratio | 15.9935% | 2,408 |
| Total risk-based capital ratio | 17.2440% | 2,354 |
| Memoranda: | ||
| Average total assets | $192,397,200 | 2,900 |
| Average earning assets | $177,998,200 | 2,904 |
| Average equity | $23,698,400 | 2,823 |
| Average total loans | $152,414,600 | 2,594 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 1,944 |
| Cost of funding earning assets | 0.7082% | 3,170 |
| Net interest margin | 4.1509% | 1,499 |
| Noninterest income to average assets | 0.5517% | 2,450 |
| Noninterest expense to average assets | 2.8553% | 2,391 |
| Loan and lease loss provision to assets | 0.0939% | 2,029 |
| Net operating income to assets | 1.1313% | 2,449 |
| Return on assets (ROA) | 1.1313% | 2,536 |
| Pretax return on assets | 1.4478% | 2,125 |
| Return on Equity (ROE) | 9.2823% | 2,766 |
| Retained earnings to average equity (ytd only) | 7.8551% | 1,465 |
| Net charge-offs to loans | 0.0018% | 3,385 |
| Credit loss provision to net charge-offs | 6,750.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,106.5880% | 80 |
| Efficiency ratio | 64.9367% | 2,878 |
| Assets per employee ($millions) | 4.9418% | 2,625 |
| Cash dividends to net income (ytd only)* | 15.3754% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,079 |
| Loan loss allowance to noncurrent loans | 222.0605% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 2,619 |
| Noncurrent loans to loans | 0.5753% | 2,573 |
| Net loans and leases to total assets | 77.5183% | 1,224 |
| Net loans and leases to deposits | 98.0490% | 815 |
| Net loans and leases to core deposits | 102.3956% | 1,463 |
| Total domestic deposits to total assets | 79.0608% | 4,179 |
| Equity capital to assets | 12.3280% | 2,025 |
| Core capital (leverage) ratio | 12.2517% | 1,706 |
| Tier 1 risk-based capital ratio | 15.5475% | 2,622 |
| Total risk-based capital ratio | 16.7979% | 2,562 |
| Memoranda: | ||
| Average total assets | $191,637,250 | 2,930 |
| Average earning assets | $177,529,500 | 2,939 |
| Average equity | $23,355,750 | 2,864 |
| Average total loans | $151,825,750 | 2,631 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 1,956 |
| Cost of funding earning assets | 0.6760% | 3,294 |
| Net interest margin | 4.1588% | 1,464 |
| Noninterest income to average assets | 0.5020% | 2,662 |
| Noninterest expense to average assets | 2.8678% | 2,360 |
| Loan and lease loss provision to assets | 0.0949% | 1,955 |
| Net operating income to assets | 1.0874% | 2,574 |
| Return on assets (ROA) | 1.0874% | 2,639 |
| Pretax return on assets | 1.3869% | 2,243 |
| Return on Equity (ROE) | 8.9582% | 2,872 |
| Retained earnings to average equity (ytd only) | 6.7860% | 1,912 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9311% | 2,813 |
| Assets per employee ($millions) | 4.8188% | 2,718 |
| Cash dividends to net income (ytd only)* | 24.2483% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,245 |
| Loan loss allowance to noncurrent loans | 221.9680% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 2,619 |
| Noncurrent loans to loans | 0.5636% | 2,572 |
| Net loans and leases to total assets | 79.4464% | 979 |
| Net loans and leases to deposits | 98.7031% | 776 |
| Net loans and leases to core deposits | 103.7226% | 1,409 |
| Total domestic deposits to total assets | 80.4903% | 3,941 |
| Equity capital to assets | 12.2973% | 1,989 |
| Core capital (leverage) ratio | 12.3695% | 1,600 |
| Tier 1 risk-based capital ratio | 15.2815% | 2,722 |
| Total risk-based capital ratio | 16.5320% | 2,657 |
| Memoranda: | ||
| Average total assets | $189,625,670 | 2,960 |
| Average earning assets | $175,436,670 | 2,968 |
| Average equity | $23,018,000 | 2,879 |
| Average total loans | $150,696,000 | 2,653 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,902 |
| Cost of funding earning assets | 0.6454% | 3,341 |
| Net interest margin | 4.1536% | 1,422 |
| Noninterest income to average assets | 0.4296% | 2,981 |
| Noninterest expense to average assets | 2.8756% | 2,341 |
| Loan and lease loss provision to assets | 0.0957% | 1,830 |
| Net operating income to assets | 1.0167% | 2,785 |
| Return on assets (ROA) | 1.0167% | 2,827 |
| Pretax return on assets | 1.2911% | 2,491 |
| Return on Equity (ROE) | 8.4320% | 3,068 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,307 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4651% | 2,716 |
| Assets per employee ($millions) | 4.7687% | 2,825 |
| Cash dividends to net income (ytd only)* | 52.3013% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,241 |
| Loan loss allowance to noncurrent loans | 209.8560% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 2,624 |
| Noncurrent loans to loans | 0.6038% | 2,527 |
| Net loans and leases to total assets | 77.4059% | 1,250 |
| Net loans and leases to deposits | 94.2565% | 1,146 |
| Net loans and leases to core deposits | 98.1402% | 1,762 |
| Total domestic deposits to total assets | 82.1226% | 3,693 |
| Equity capital to assets | 12.0258% | 2,004 |
| Core capital (leverage) ratio | 12.2995% | 1,606 |
| Tier 1 risk-based capital ratio | 15.0919% | 2,844 |
| Total risk-based capital ratio | 16.3423% | 2,758 |
| Memoranda: | ||
| Average total assets | $188,063,500 | 3,009 |
| Average earning assets | $173,535,500 | 3,019 |
| Average equity | $22,675,500 | 2,915 |
| Average total loans | $148,507,500 | 2,707 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 2,352 |
| Cost of funding earning assets | 0.4765% | 3,505 |
| Net interest margin | 4.0593% | 1,793 |
| Noninterest income to average assets | 0.5405% | 2,610 |
| Noninterest expense to average assets | 2.8228% | 2,609 |
| Loan and lease loss provision to assets | 0.0678% | 2,786 |
| Net operating income to assets | 1.0917% | 2,639 |
| Return on assets (ROA) | 1.0917% | 2,629 |
| Pretax return on assets | 1.3882% | 2,179 |
| Return on Equity (ROE) | 9.0282% | 2,979 |
| Retained earnings to average equity (ytd only) | 9.0282% | 852 |
| Net charge-offs to loans | 0.0095% | 3,354 |
| Credit loss provision to net charge-offs | 923.0769% | 394 |
| Earnings coverage of net charge-offs (x) | 198.3077% | 460 |
| Efficiency ratio | 65.9715% | 2,880 |
| Assets per employee ($millions) | 4.7533% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,273 |
| Loan loss allowance to noncurrent loans | 174.8582% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 2,332 |
| Noncurrent loans to loans | 0.7174% | 2,193 |
| Net loans and leases to total assets | 78.5525% | 1,173 |
| Net loans and leases to deposits | 100.0804% | 743 |
| Net loans and leases to core deposits | 103.0464% | 1,506 |
| Total domestic deposits to total assets | 78.4894% | 4,408 |
| Equity capital to assets | 12.0899% | 1,829 |
| Core capital (leverage) ratio | 12.6373% | 1,397 |
| Tier 1 risk-based capital ratio | 15.2942% | 2,702 |
| Total risk-based capital ratio | 16.5444% | 2,627 |
| Memoranda: | ||
| Average total assets | $177,058,800 | 3,084 |
| Average earning assets | $163,056,400 | 3,108 |
| Average equity | $21,410,800 | 2,947 |
| Average total loans | $136,800,200 | 2,808 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 2,410 |
| Cost of funding earning assets | 0.4487% | 3,530 |
| Net interest margin | 4.0174% | 1,906 |
| Noninterest income to average assets | 0.5631% | 2,506 |
| Noninterest expense to average assets | 2.8125% | 2,599 |
| Loan and lease loss provision to assets | 0.0686% | 2,607 |
| Net operating income to assets | 1.0912% | 2,702 |
| Return on assets (ROA) | 1.0912% | 2,718 |
| Pretax return on assets | 1.3868% | 2,279 |
| Return on Equity (ROE) | 9.0229% | 3,068 |
| Retained earnings to average equity (ytd only) | 9.0229% | 1,210 |
| Net charge-offs to loans | 0.0129% | 2,963 |
| Credit loss provision to net charge-offs | 692.3077% | 533 |
| Earnings coverage of net charge-offs (x) | 146.9475% | 555 |
| Efficiency ratio | 65.8989% | 2,887 |
| Assets per employee ($millions) | 4.9343% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,103 |
| Loan loss allowance to noncurrent loans | 176.8707% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 2,440 |
| Noncurrent loans to loans | 0.7337% | 2,244 |
| Net loans and leases to total assets | 77.9275% | 1,352 |
| Net loans and leases to deposits | 96.1331% | 1,145 |
| Net loans and leases to core deposits | 97.7474% | 1,959 |
| Total domestic deposits to total assets | 81.0621% | 3,850 |
| Equity capital to assets | 12.2404% | 1,745 |
| Core capital (leverage) ratio | 12.5852% | 1,460 |
| Tier 1 risk-based capital ratio | 15.7601% | 2,542 |
| Total risk-based capital ratio | 17.0105% | 2,481 |
| Memoranda: | ||
| Average total assets | $174,979,000 | 3,134 |
| Average earning assets | $161,358,750 | 3,155 |
| Average equity | $21,160,500 | 2,987 |
| Average total loans | $134,133,000 | 2,854 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 2,617 |
| Cost of funding earning assets | 0.4348% | 3,466 |
| Net interest margin | 3.9072% | 2,179 |
| Noninterest income to average assets | 0.5480% | 2,586 |
| Noninterest expense to average assets | 2.7054% | 3,001 |
| Loan and lease loss provision to assets | 0.0689% | 2,501 |
| Net operating income to assets | 1.0833% | 2,651 |
| Return on assets (ROA) | 1.0833% | 2,658 |
| Pretax return on assets | 1.3763% | 2,242 |
| Return on Equity (ROE) | 8.9954% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.9954% | 1,223 |
| Net charge-offs to loans | 0.0197% | 2,494 |
| Credit loss provision to net charge-offs | 461.5385% | 740 |
| Earnings coverage of net charge-offs (x) | 96.7692% | 711 |
| Efficiency ratio | 65.1813% | 3,126 |
| Assets per employee ($millions) | 4.9256% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 2,102 |
| Loan loss allowance to noncurrent loans | 167.4462% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 2,413 |
| Noncurrent loans to loans | 0.7842% | 2,164 |
| Net loans and leases to total assets | 75.8652% | 1,655 |
| Net loans and leases to deposits | 91.7420% | 1,615 |
| Net loans and leases to core deposits | 92.9438% | 2,312 |
| Total domestic deposits to total assets | 82.6941% | 3,496 |
| Equity capital to assets | 12.0505% | 1,823 |
| Core capital (leverage) ratio | 12.3959% | 1,490 |
| Tier 1 risk-based capital ratio | 16.0025% | 2,436 |
| Total risk-based capital ratio | 17.2533% | 2,379 |
| Memoranda: | ||
| Average total assets | $174,094,330 | 3,168 |
| Average earning assets | $160,523,000 | 3,183 |
| Average equity | $20,966,330 | 3,024 |
| Average total loans | $132,095,670 | 2,888 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 2,640 |
| Cost of funding earning assets | 0.4158% | 3,474 |
| Net interest margin | 3.8530% | 2,214 |
| Noninterest income to average assets | 0.5241% | 2,663 |
| Noninterest expense to average assets | 2.7644% | 2,829 |
| Loan and lease loss provision to assets | 0.0696% | 2,372 |
| Net operating income to assets | 0.9833% | 2,920 |
| Return on assets (ROA) | 0.9833% | 2,954 |
| Pretax return on assets | 1.2361% | 2,614 |
| Return on Equity (ROE) | 8.1674% | 3,311 |
| Retained earnings to average equity (ytd only) | 8.1674% | 1,778 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9202% | 2,844 |
| Assets per employee ($millions) | 4.9181% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,037 |
| Loan loss allowance to noncurrent loans | 196.6704% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 2,828 |
| Noncurrent loans to loans | 0.6841% | 2,497 |
| Net loans and leases to total assets | 73.3866% | 1,968 |
| Net loans and leases to deposits | 88.4396% | 1,874 |
| Net loans and leases to core deposits | 94.0343% | 2,137 |
| Total domestic deposits to total assets | 82.9794% | 3,673 |
| Equity capital to assets | 11.7746% | 1,928 |
| Core capital (leverage) ratio | 12.2221% | 1,514 |
| Tier 1 risk-based capital ratio | 15.9855% | 2,477 |
| Total risk-based capital ratio | 17.2369% | 2,417 |
| Memoranda: | ||
| Average total assets | $172,481,000 | 3,220 |
| Average earning assets | $158,734,500 | 3,230 |
| Average equity | $20,765,500 | 3,074 |
| Average total loans | $129,986,000 | 2,934 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 2,929 |
| Cost of funding earning assets | 0.3741% | 3,474 |
| Net interest margin | 3.7621% | 2,555 |
| Noninterest income to average assets | 0.6035% | 2,429 |
| Noninterest expense to average assets | 2.7727% | 2,879 |
| Loan and lease loss provision to assets | 0.0095% | 4,086 |
| Net operating income to assets | 0.8304% | 3,029 |
| Return on assets (ROA) | 0.8304% | 3,067 |
| Pretax return on assets | 1.2830% | 2,416 |
| Return on Equity (ROE) | 6.5216% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.5216% | 1,268 |
| Net charge-offs to loans | 0.0272% | 3,265 |
| Credit loss provision to net charge-offs | 48.3871% | 3,347 |
| Earnings coverage of net charge-offs (x) | 65.7742% | 892 |
| Efficiency ratio | 68.2052% | 2,849 |
| Assets per employee ($millions) | 4.6642% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 1,935 |
| Loan loss allowance to noncurrent loans | 173.0884% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 2,553 |
| Noncurrent loans to loans | 0.7851% | 2,259 |
| Net loans and leases to total assets | 75.3526% | 1,705 |
| Net loans and leases to deposits | 91.7919% | 1,554 |
| Net loans and leases to core deposits | 96.8027% | 1,958 |
| Total domestic deposits to total assets | 82.0906% | 3,848 |
| Equity capital to assets | 12.3184% | 1,629 |
| Core capital (leverage) ratio | 12.5109% | 1,350 |
| Tier 1 risk-based capital ratio | 15.9514% | 2,449 |
| Total risk-based capital ratio | 17.2026% | 2,394 |
| Memoranda: | ||
| Average total assets | $157,749,600 | 3,383 |
| Average earning assets | $145,160,000 | 3,382 |
| Average equity | $20,087,000 | 3,133 |
| Average total loans | $114,001,600 | 3,127 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,112 |
| Cost of funding earning assets | 0.3598% | 3,572 |
| Net interest margin | 3.7048% | 2,742 |
| Noninterest income to average assets | 0.5996% | 2,492 |
| Noninterest expense to average assets | 2.7146% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9346% | 2,856 |
| Return on assets (ROA) | 0.9346% | 2,914 |
| Pretax return on assets | 1.2989% | 2,500 |
| Return on Equity (ROE) | 7.2758% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.2758% | 1,551 |
| Net charge-offs to loans | 0.0374% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 48.7769% | 1,135 |
| Efficiency ratio | 67.6370% | 2,939 |
| Assets per employee ($millions) | 4.6471% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,926 |
| Loan loss allowance to noncurrent loans | 223.2558% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 3,143 |
| Noncurrent loans to loans | 0.6233% | 2,839 |
| Net loans and leases to total assets | 75.2860% | 1,712 |
| Net loans and leases to deposits | 89.8275% | 1,828 |
| Net loans and leases to core deposits | 94.9483% | 2,174 |
| Total domestic deposits to total assets | 83.8118% | 3,190 |
| Equity capital to assets | 12.6524% | 1,577 |
| Core capital (leverage) ratio | 13.0002% | 1,208 |
| Tier 1 risk-based capital ratio | 16.2730% | 2,389 |
| Total risk-based capital ratio | 17.5242% | 2,347 |
| Memoranda: | ||
| Average total assets | $155,209,000 | 3,443 |
| Average earning assets | $143,019,000 | 3,439 |
| Average equity | $19,937,750 | 3,173 |
| Average total loans | $110,434,750 | 3,199 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 3,266 |
| Cost of funding earning assets | 0.3587% | 3,496 |
| Net interest margin | 3.6240% | 2,936 |
| Noninterest income to average assets | 0.5592% | 2,659 |
| Noninterest expense to average assets | 2.6871% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8813% | 3,016 |
| Return on assets (ROA) | 0.8813% | 3,072 |
| Pretax return on assets | 1.2061% | 2,747 |
| Return on Equity (ROE) | 6.8242% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.8242% | 1,679 |
| Net charge-offs to loans | 0.0472% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 36.8400% | 1,317 |
| Efficiency ratio | 69.0212% | 2,846 |
| Assets per employee ($millions) | 4.2061% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 1,241 |
| Loan loss allowance to noncurrent loans | 215.1365% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 3,040 |
| Noncurrent loans to loans | 0.7486% | 2,527 |
| Net loans and leases to total assets | 68.0718% | 2,810 |
| Net loans and leases to deposits | 79.7735% | 2,936 |
| Net loans and leases to core deposits | 84.6486% | 2,996 |
| Total domestic deposits to total assets | 85.3313% | 2,683 |
| Equity capital to assets | 12.9858% | 1,383 |
| Core capital (leverage) ratio | 13.0662% | 1,153 |
| Tier 1 risk-based capital ratio | 18.2321% | 1,791 |
| Total risk-based capital ratio | 19.4859% | 1,754 |
| Memoranda: | ||
| Average total assets | $152,729,000 | 3,486 |
| Average earning assets | $140,508,330 | 3,486 |
| Average equity | $19,724,000 | 3,188 |
| Average total loans | $105,853,000 | 3,282 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 3,136 |
| Cost of funding earning assets | 0.3601% | 3,416 |
| Net interest margin | 3.6129% | 2,839 |
| Noninterest income to average assets | 0.5130% | 2,891 |
| Noninterest expense to average assets | 2.6758% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8567% | 2,961 |
| Return on assets (ROA) | 0.8567% | 3,006 |
| Pretax return on assets | 1.1528% | 2,768 |
| Return on Equity (ROE) | 6.6525% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.6525% | 2,001 |
| Net charge-offs to loans | 0.0267% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 62.2857% | 786 |
| Efficiency ratio | 69.8895% | 2,913 |
| Assets per employee ($millions) | 4.4596% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 1,241 |
| Loan loss allowance to noncurrent loans | 220.9332% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 3,047 |
| Noncurrent loans to loans | 0.7484% | 2,622 |
| Net loans and leases to total assets | 66.7602% | 2,851 |
| Net loans and leases to deposits | 77.9323% | 2,974 |
| Net loans and leases to core deposits | 83.0079% | 2,993 |
| Total domestic deposits to total assets | 85.6644% | 2,811 |
| Equity capital to assets | 12.6205% | 1,455 |
| Core capital (leverage) ratio | 12.9734% | 1,155 |
| Tier 1 risk-based capital ratio | 17.9613% | 1,893 |
| Total risk-based capital ratio | 19.2157% | 1,848 |
| Memoranda: | ||
| Average total assets | $151,281,500 | 3,540 |
| Average earning assets | $138,836,500 | 3,541 |
| Average equity | $19,481,500 | 3,227 |
| Average total loans | $104,944,500 | 3,323 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 2,337 |
| Cost of funding earning assets | 0.3787% | 3,220 |
| Net interest margin | 3.8646% | 2,083 |
| Noninterest income to average assets | 0.7796% | 1,830 |
| Noninterest expense to average assets | 2.8116% | 2,984 |
| Loan and lease loss provision to assets | 0.0105% | 4,166 |
| Net operating income to assets | 1.0785% | 1,993 |
| Return on assets (ROA) | 1.0785% | 2,095 |
| Pretax return on assets | 1.4935% | 1,597 |
| Return on Equity (ROE) | 8.1998% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.1998% | 788 |
| Net charge-offs to loans | 0.1056% | 2,212 |
| Credit loss provision to net charge-offs | 13.7615% | 3,721 |
| Earnings coverage of net charge-offs (x) | 19.7523% | 1,900 |
| Efficiency ratio | 65.1505% | 3,737 |
| Assets per employee ($millions) | 4.3081% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 1,154 |
| Loan loss allowance to noncurrent loans | 217.6980% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 3,083 |
| Noncurrent loans to loans | 0.7774% | 2,579 |
| Net loans and leases to total assets | 69.7548% | 2,524 |
| Net loans and leases to deposits | 82.0260% | 2,666 |
| Net loans and leases to core deposits | 87.5010% | 2,723 |
| Total domestic deposits to total assets | 85.0399% | 3,027 |
| Equity capital to assets | 13.1516% | 1,193 |
| Core capital (leverage) ratio | 13.2661% | 1,041 |
| Tier 1 risk-based capital ratio | 18.1550% | 1,815 |
| Total risk-based capital ratio | 19.4104% | 1,774 |
| Memoranda: | ||
| Average total assets | $143,158,400 | 3,619 |
| Average earning assets | $130,983,200 | 3,634 |
| Average equity | $18,829,800 | 3,293 |
| Average total loans | $103,235,600 | 3,327 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,319 |
| Cost of funding earning assets | 0.3799% | 3,230 |
| Net interest margin | 3.8748% | 2,068 |
| Noninterest income to average assets | 0.7597% | 1,932 |
| Noninterest expense to average assets | 2.8384% | 2,876 |
| Loan and lease loss provision to assets | 0.0141% | 3,973 |
| Net operating income to assets | 1.0548% | 2,177 |
| Return on assets (ROA) | 1.0548% | 2,303 |
| Pretax return on assets | 1.4520% | 1,873 |
| Return on Equity (ROE) | 8.0192% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.0192% | 1,164 |
| Net charge-offs to loans | 0.0957% | 1,992 |
| Credit loss provision to net charge-offs | 20.2703% | 3,297 |
| Earnings coverage of net charge-offs (x) | 21.1495% | 1,832 |
| Efficiency ratio | 65.9412% | 3,602 |
| Assets per employee ($millions) | 4.3490% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 1,156 |
| Loan loss allowance to noncurrent loans | 217.9830% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 3,237 |
| Noncurrent loans to loans | 0.7911% | 2,698 |
| Net loans and leases to total assets | 69.1410% | 2,619 |
| Net loans and leases to deposits | 81.3417% | 2,814 |
| Net loans and leases to core deposits | 86.8792% | 2,864 |
| Total domestic deposits to total assets | 85.0006% | 2,804 |
| Equity capital to assets | 13.0564% | 1,462 |
| Core capital (leverage) ratio | 13.0645% | 1,166 |
| Tier 1 risk-based capital ratio | 17.7192% | 1,996 |
| Total risk-based capital ratio | 18.9743% | 1,953 |
| Memoranda: | ||
| Average total assets | $142,329,000 | 3,644 |
| Average earning assets | $130,207,000 | 3,669 |
| Average equity | $18,721,250 | 3,339 |
| Average total loans | $103,061,250 | 3,343 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 2,211 |
| Cost of funding earning assets | 0.3837% | 3,224 |
| Net interest margin | 3.8991% | 1,982 |
| Noninterest income to average assets | 0.6947% | 2,164 |
| Noninterest expense to average assets | 2.9000% | 2,675 |
| Loan and lease loss provision to assets | 0.0214% | 3,706 |
| Net operating income to assets | 0.9866% | 2,445 |
| Return on assets (ROA) | 0.9866% | 2,589 |
| Pretax return on assets | 1.3325% | 2,274 |
| Return on Equity (ROE) | 7.4812% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.4812% | 1,393 |
| Net charge-offs to loans | 0.2433% | 969 |
| Credit loss provision to net charge-offs | 12.0000% | 2,985 |
| Earnings coverage of net charge-offs (x) | 7.6080% | 2,609 |
| Efficiency ratio | 68.1727% | 3,304 |
| Assets per employee ($millions) | 4.1586% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 1,263 |
| Loan loss allowance to noncurrent loans | 207.9952% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 3,243 |
| Noncurrent loans to loans | 0.8207% | 2,691 |
| Net loans and leases to total assets | 70.9883% | 2,329 |
| Net loans and leases to deposits | 83.7430% | 2,496 |
| Net loans and leases to core deposits | 89.7363% | 2,560 |
| Total domestic deposits to total assets | 84.7692% | 2,977 |
| Equity capital to assets | 13.3728% | 1,297 |
| Core capital (leverage) ratio | 13.2097% | 1,086 |
| Tier 1 risk-based capital ratio | 17.7454% | 2,001 |
| Total risk-based capital ratio | 19.0002% | 1,957 |
| Memoranda: | ||
| Average total assets | $140,483,330 | 3,708 |
| Average earning assets | $128,233,670 | 3,720 |
| Average equity | $18,526,330 | 3,371 |
| Average total loans | $102,738,330 | 3,360 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 2,174 |
| Cost of funding earning assets | 0.3895% | 3,195 |
| Net interest margin | 3.8978% | 1,939 |
| Noninterest income to average assets | 0.6627% | 2,206 |
| Noninterest expense to average assets | 2.9679% | 2,490 |
| Loan and lease loss provision to assets | 0.0428% | 3,065 |
| Net operating income to assets | 0.9084% | 2,714 |
| Return on assets (ROA) | 0.9084% | 2,834 |
| Pretax return on assets | 1.1969% | 2,712 |
| Return on Equity (ROE) | 6.9374% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.9374% | 1,911 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5363% | 3,038 |
| Assets per employee ($millions) | 4.6034% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 1,126 |
| Loan loss allowance to noncurrent loans | 187.2745% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 2,966 |
| Noncurrent loans to loans | 0.9684% | 2,439 |
| Net loans and leases to total assets | 70.9090% | 2,205 |
| Net loans and leases to deposits | 83.9138% | 2,312 |
| Net loans and leases to core deposits | 89.8772% | 2,386 |
| Total domestic deposits to total assets | 84.5022% | 3,315 |
| Equity capital to assets | 12.9695% | 1,425 |
| Core capital (leverage) ratio | 12.9534% | 1,176 |
| Tier 1 risk-based capital ratio | 17.2613% | 2,189 |
| Total risk-based capital ratio | 18.5177% | 2,158 |
| Memoranda: | ||
| Average total assets | $140,029,500 | 3,743 |
| Average earning assets | $127,355,000 | 3,760 |
| Average equity | $18,335,500 | 3,394 |
| Average total loans | $103,050,500 | 3,371 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 1,760 |
| Cost of funding earning assets | 0.4237% | 2,907 |
| Net interest margin | 4.0207% | 1,652 |
| Noninterest income to average assets | 0.6624% | 2,393 |
| Noninterest expense to average assets | 2.6984% | 3,584 |
| Loan and lease loss provision to assets | 0.0746% | 2,777 |
| Net operating income to assets | 1.1419% | 1,757 |
| Return on assets (ROA) | 1.1419% | 1,829 |
| Pretax return on assets | 1.5872% | 1,286 |
| Return on Equity (ROE) | 8.5073% | 2,709 |
| Retained earnings to average equity (ytd only) | 1.5087% | 4,864 |
| Net charge-offs to loans | 0.0731% | 2,785 |
| Credit loss provision to net charge-offs | 134.2105% | 1,956 |
| Earnings coverage of net charge-offs (x) | 29.9079% | 1,461 |
| Efficiency ratio | 61.8880% | 4,627 |
| Assets per employee ($millions) | 4.4308% | 3,150 |
| Cash dividends to net income (ytd only)* | 82.2663% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 1,135 |
| Loan loss allowance to noncurrent loans | 165.7424% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 2,639 |
| Noncurrent loans to loans | 1.0850% | 2,168 |
| Net loans and leases to total assets | 73.6697% | 1,779 |
| Net loans and leases to deposits | 90.1590% | 1,591 |
| Net loans and leases to core deposits | 97.0740% | 1,750 |
| Total domestic deposits to total assets | 81.7109% | 4,258 |
| Equity capital to assets | 13.2234% | 1,246 |
| Core capital (leverage) ratio | 13.0912% | 1,112 |
| Tier 1 risk-based capital ratio | 17.0111% | 2,277 |
| Total risk-based capital ratio | 18.2676% | 2,223 |
| Memoranda: | ||
| Average total assets | $136,783,800 | 3,770 |
| Average earning assets | $125,799,400 | 3,778 |
| Average equity | $18,360,600 | 3,333 |
| Average total loans | $103,945,000 | 3,318 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 1,915 |
| Cost of funding earning assets | 0.4309% | 2,894 |
| Net interest margin | 3.9701% | 1,804 |
| Noninterest income to average assets | 0.6674% | 2,400 |
| Noninterest expense to average assets | 2.6199% | 3,803 |
| Loan and lease loss provision to assets | 0.0751% | 2,678 |
| Net operating income to assets | 1.1758% | 1,729 |
| Return on assets (ROA) | 1.1758% | 1,803 |
| Pretax return on assets | 1.6403% | 1,267 |
| Return on Equity (ROE) | 8.7269% | 2,720 |
| Retained earnings to average equity (ytd only) | 8.1403% | 1,194 |
| Net charge-offs to loans | 0.1011% | 2,135 |
| Credit loss provision to net charge-offs | 97.4684% | 2,343 |
| Earnings coverage of net charge-offs (x) | 22.2533% | 1,787 |
| Efficiency ratio | 60.4321% | 4,827 |
| Assets per employee ($millions) | 4.3854% | 3,184 |
| Cash dividends to net income (ytd only)* | 6.7221% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 1,333 |
| Loan loss allowance to noncurrent loans | 203.0033% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 3,134 |
| Noncurrent loans to loans | 0.8691% | 2,808 |
| Net loans and leases to total assets | 74.7510% | 1,595 |
| Net loans and leases to deposits | 91.2725% | 1,492 |
| Net loans and leases to core deposits | 98.8916% | 1,616 |
| Total domestic deposits to total assets | 81.8987% | 4,195 |
| Equity capital to assets | 13.9519% | 1,043 |
| Core capital (leverage) ratio | 13.6498% | 959 |
| Tier 1 risk-based capital ratio | 18.2380% | 1,975 |
| Total risk-based capital ratio | 19.4943% | 1,930 |
| Memoranda: | ||
| Average total assets | $136,641,000 | 3,812 |
| Average earning assets | $126,241,000 | 3,808 |
| Average equity | $18,410,000 | 3,353 |
| Average total loans | $104,170,750 | 3,341 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 1,889 |
| Cost of funding earning assets | 0.4432% | 2,804 |
| Net interest margin | 3.9456% | 1,829 |
| Noninterest income to average assets | 0.7028% | 2,206 |
| Noninterest expense to average assets | 2.5893% | 3,940 |
| Loan and lease loss provision to assets | 0.0745% | 2,626 |
| Net operating income to assets | 1.1997% | 1,602 |
| Return on assets (ROA) | 1.1997% | 1,677 |
| Pretax return on assets | 1.6819% | 1,116 |
| Return on Equity (ROE) | 9.0099% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.1210% | 1,214 |
| Net charge-offs to loans | 0.1456% | 1,616 |
| Credit loss provision to net charge-offs | 67.1053% | 2,502 |
| Earnings coverage of net charge-offs (x) | 15.8158% | 1,950 |
| Efficiency ratio | 59.5831% | 5,038 |
| Assets per employee ($millions) | 4.6815% | 2,703 |
| Cash dividends to net income (ytd only)* | 9.8660% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 1,463 |
| Loan loss allowance to noncurrent loans | 180.3804% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 3,036 |
| Noncurrent loans to loans | 0.9765% | 2,694 |
| Net loans and leases to total assets | 74.0255% | 1,655 |
| Net loans and leases to deposits | 90.9009% | 1,494 |
| Net loans and leases to core deposits | 98.8696% | 1,583 |
| Total domestic deposits to total assets | 81.4354% | 4,469 |
| Equity capital to assets | 13.6428% | 1,111 |
| Core capital (leverage) ratio | 13.4525% | 1,002 |
| Tier 1 risk-based capital ratio | 18.7256% | 1,867 |
| Total risk-based capital ratio | 19.9831% | 1,832 |
| Memoranda: | ||
| Average total assets | $136,872,670 | 3,836 |
| Average earning assets | $126,367,330 | 3,840 |
| Average equity | $18,224,330 | 3,393 |
| Average total loans | $104,412,330 | 3,355 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 1,755 |
| Cost of funding earning assets | 0.4603% | 2,681 |
| Net interest margin | 3.9437% | 1,731 |
| Noninterest income to average assets | 0.5879% | 2,713 |
| Noninterest expense to average assets | 2.5730% | 4,022 |
| Loan and lease loss provision to assets | 0.0757% | 2,440 |
| Net operating income to assets | 1.1351% | 1,744 |
| Return on assets (ROA) | 1.1351% | 1,852 |
| Pretax return on assets | 1.5805% | 1,316 |
| Return on Equity (ROE) | 8.6305% | 2,633 |
| Retained earnings to average equity (ytd only) | 6.8380% | 2,082 |
| Net charge-offs to loans | 0.2579% | 932 |
| Credit loss provision to net charge-offs | 38.2353% | 2,199 |
| Earnings coverage of net charge-offs (x) | 8.3676% | 2,091 |
| Efficiency ratio | 60.8396% | 4,984 |
| Assets per employee ($millions) | 4.7393% | 2,700 |
| Cash dividends to net income (ytd only)* | 20.7692% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 1,794 |
| Loan loss allowance to noncurrent loans | 188.7949% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 3,051 |
| Noncurrent loans to loans | 0.8887% | 3,020 |
| Net loans and leases to total assets | 76.1527% | 1,186 |
| Net loans and leases to deposits | 94.2164% | 956 |
| Net loans and leases to core deposits | 102.4510% | 1,149 |
| Total domestic deposits to total assets | 80.8274% | 4,859 |
| Equity capital to assets | 13.2886% | 1,264 |
| Core capital (leverage) ratio | 12.8676% | 1,206 |
| Tier 1 risk-based capital ratio | 17.0033% | 2,478 |
| Total risk-based capital ratio | 18.2587% | 2,431 |
| Memoranda: | ||
| Average total assets | $137,427,000 | 3,852 |
| Average earning assets | $126,885,500 | 3,849 |
| Average equity | $18,075,500 | 3,436 |
| Average total loans | $105,467,500 | 3,347 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 2,104 |
| Cost of funding earning assets | 0.4952% | 2,712 |
| Net interest margin | 3.9447% | 2,071 |
| Noninterest income to average assets | 0.5012% | 3,496 |
| Noninterest expense to average assets | 2.5386% | 4,426 |
| Loan and lease loss provision to assets | 0.0777% | 2,924 |
| Net operating income to assets | 1.1142% | 1,927 |
| Return on assets (ROA) | 1.1142% | 1,974 |
| Pretax return on assets | 1.5530% | 1,374 |
| Return on Equity (ROE) | 8.9523% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.5730% | 806 |
| Net charge-offs to loans | -0.0123% | 5,600 |
| Credit loss provision to net charge-offs | -823.0769% | 5,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8885% | 5,094 |
| Assets per employee ($millions) | 4.9076% | 2,444 |
| Cash dividends to net income (ytd only)* | 4.2373% | 4,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 1,656 |
| Loan loss allowance to noncurrent loans | 181.3492% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 3,375 |
| Noncurrent loans to loans | 0.9647% | 2,912 |
| Net loans and leases to total assets | 74.7062% | 1,461 |
| Net loans and leases to deposits | 94.5354% | 1,030 |
| Net loans and leases to core deposits | 102.3510% | 1,225 |
| Total domestic deposits to total assets | 79.0245% | 5,247 |
| Equity capital to assets | 13.0170% | 1,366 |
| Core capital (leverage) ratio | 12.8876% | 1,181 |
| Tier 1 risk-based capital ratio | 16.2363% | 2,843 |
| Total risk-based capital ratio | 17.5270% | 2,766 |
| Memoranda: | ||
| Average total assets | $137,673,000 | 3,845 |
| Average earning assets | $128,020,800 | 3,808 |
| Average equity | $17,135,200 | 3,505 |
| Average total loans | $105,894,400 | 3,303 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 2,057 |
| Cost of funding earning assets | 0.5030% | 2,726 |
| Net interest margin | 3.9439% | 2,060 |
| Noninterest income to average assets | 0.5353% | 3,289 |
| Noninterest expense to average assets | 2.5342% | 4,416 |
| Loan and lease loss provision to assets | 0.0784% | 2,775 |
| Net operating income to assets | 1.1393% | 1,904 |
| Return on assets (ROA) | 1.1393% | 1,965 |
| Pretax return on assets | 1.5962% | 1,334 |
| Return on Equity (ROE) | 9.2599% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.7485% | 1,078 |
| Net charge-offs to loans | -0.0439% | 5,861 |
| Credit loss provision to net charge-offs | -231.4286% | 5,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2116% | 5,146 |
| Assets per employee ($millions) | 4.8408% | 2,458 |
| Cash dividends to net income (ytd only)* | 5.5222% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 1,888 |
| Loan loss allowance to noncurrent loans | 172.7273% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 3,369 |
| Noncurrent loans to loans | 1.0010% | 3,067 |
| Net loans and leases to total assets | 76.4890% | 1,159 |
| Net loans and leases to deposits | 94.2577% | 1,016 |
| Net loans and leases to core deposits | 101.9200% | 1,219 |
| Total domestic deposits to total assets | 81.1489% | 4,784 |
| Equity capital to assets | 12.9614% | 1,452 |
| Core capital (leverage) ratio | 12.5530% | 1,380 |
| Tier 1 risk-based capital ratio | 15.7775% | 3,167 |
| Total risk-based capital ratio | 17.0654% | 3,094 |
| Memoranda: | ||
| Average total assets | $137,738,000 | 3,869 |
| Average earning assets | $128,295,500 | 3,830 |
| Average equity | $16,947,250 | 3,549 |
| Average total loans | $106,247,000 | 3,325 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 2,130 |
| Cost of funding earning assets | 0.5163% | 2,669 |
| Net interest margin | 3.8966% | 2,182 |
| Noninterest income to average assets | 0.5489% | 3,131 |
| Noninterest expense to average assets | 2.5536% | 4,398 |
| Loan and lease loss provision to assets | 0.0809% | 2,682 |
| Net operating income to assets | 1.1064% | 1,916 |
| Return on assets (ROA) | 1.1064% | 1,985 |
| Pretax return on assets | 1.5440% | 1,413 |
| Return on Equity (ROE) | 9.1516% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.3750% | 1,182 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1130% | 5,130 |
| Assets per employee ($millions) | 4.5941% | 2,778 |
| Cash dividends to net income (ytd only)* | 8.4856% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 2,226 |
| Loan loss allowance to noncurrent loans | 144.8644% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 3,156 |
| Noncurrent loans to loans | 1.1531% | 2,925 |
| Net loans and leases to total assets | 75.2966% | 1,265 |
| Net loans and leases to deposits | 92.1307% | 1,134 |
| Net loans and leases to core deposits | 99.8999% | 1,300 |
| Total domestic deposits to total assets | 81.7280% | 4,740 |
| Equity capital to assets | 12.4355% | 1,685 |
| Core capital (leverage) ratio | 12.2530% | 1,522 |
| Tier 1 risk-based capital ratio | 15.3320% | 3,452 |
| Total risk-based capital ratio | 16.6197% | 3,375 |
| Memoranda: | ||
| Average total assets | $138,470,330 | 3,874 |
| Average earning assets | $128,982,670 | 3,832 |
| Average equity | $16,740,330 | 3,572 |
| Average total loans | $106,496,670 | 3,323 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 1,998 |
| Cost of funding earning assets | 0.5598% | 2,348 |
| Net interest margin | 3.8781% | 2,162 |
| Noninterest income to average assets | 0.4928% | 3,471 |
| Noninterest expense to average assets | 2.4439% | 4,799 |
| Loan and lease loss provision to assets | 0.0749% | 2,642 |
| Net operating income to assets | 1.1326% | 1,688 |
| Return on assets (ROA) | 1.1326% | 1,755 |
| Pretax return on assets | 1.5880% | 1,200 |
| Return on Equity (ROE) | 9.5037% | 2,248 |
| Retained earnings to average equity (ytd only) | 7.9318% | 1,619 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5088% | 5,470 |
| Assets per employee ($millions) | 4.9766% | 2,278 |
| Cash dividends to net income (ytd only)* | 16.5394% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 2,591 |
| Loan loss allowance to noncurrent loans | 172.4378% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 3,729 |
| Noncurrent loans to loans | 0.9435% | 3,531 |
| Net loans and leases to total assets | 75.1982% | 1,099 |
| Net loans and leases to deposits | 91.4985% | 992 |
| Net loans and leases to core deposits | 99.1944% | 1,156 |
| Total domestic deposits to total assets | 82.1852% | 4,887 |
| Equity capital to assets | 12.0133% | 1,861 |
| Core capital (leverage) ratio | 11.6630% | 1,856 |
| Tier 1 risk-based capital ratio | 14.9946% | 3,717 |
| Total risk-based capital ratio | 16.2800% | 3,644 |
| Memoranda: | ||
| Average total assets | $138,794,000 | 3,900 |
| Average earning assets | $129,341,500 | 3,851 |
| Average equity | $16,541,000 | 3,613 |
| Average total loans | $106,975,500 | 3,318 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 1,941 |
| Cost of funding earning assets | 0.7126% | 1,724 |
| Net interest margin | 3.8641% | 2,415 |
| Noninterest income to average assets | 0.7914% | 2,120 |
| Noninterest expense to average assets | 2.6500% | 4,280 |
| Loan and lease loss provision to assets | 0.1490% | 2,414 |
| Net operating income to assets | 1.1245% | 1,854 |
| Return on assets (ROA) | 1.1245% | 1,918 |
| Pretax return on assets | 1.5970% | 1,176 |
| Return on Equity (ROE) | 9.4688% | 2,336 |
| Retained earnings to average equity (ytd only) | 7.8624% | 1,105 |
| Net charge-offs to loans | 0.3224% | 2,070 |
| Credit loss provision to net charge-offs | 60.4230% | 3,551 |
| Earnings coverage of net charge-offs (x) | 7.0785% | 2,916 |
| Efficiency ratio | 60.2814% | 5,432 |
| Assets per employee ($millions) | 5.1201% | 2,046 |
| Cash dividends to net income (ytd only)* | 16.9649% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 2,799 |
| Loan loss allowance to noncurrent loans | 163.3493% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 3,763 |
| Noncurrent loans to loans | 0.9727% | 3,575 |
| Net loans and leases to total assets | 76.4784% | 1,006 |
| Net loans and leases to deposits | 97.0061% | 669 |
| Net loans and leases to core deposits | 105.6098% | 813 |
| Total domestic deposits to total assets | 78.8387% | 5,681 |
| Equity capital to assets | 11.8212% | 1,930 |
| Core capital (leverage) ratio | 11.8482% | 1,718 |
| Tier 1 risk-based capital ratio | 14.4913% | 3,961 |
| Total risk-based capital ratio | 15.7817% | 3,866 |
| Memoranda: | ||
| Average total assets | $134,191,000 | 3,994 |
| Average earning assets | $125,176,800 | 3,945 |
| Average equity | $15,936,600 | 3,710 |
| Average total loans | $102,652,400 | 3,386 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 1,929 |
| Cost of funding earning assets | 0.7235% | 1,783 |
| Net interest margin | 3.8702% | 2,378 |
| Noninterest income to average assets | 0.7238% | 2,490 |
| Noninterest expense to average assets | 2.5900% | 4,425 |
| Loan and lease loss provision to assets | 0.1802% | 2,018 |
| Net operating income to assets | 1.1223% | 1,923 |
| Return on assets (ROA) | 1.1223% | 1,995 |
| Pretax return on assets | 1.5688% | 1,419 |
| Return on Equity (ROE) | 9.4386% | 2,429 |
| Retained earnings to average equity (ytd only) | 7.2831% | 1,747 |
| Net charge-offs to loans | 0.4126% | 1,561 |
| Credit loss provision to net charge-offs | 57.3248% | 3,352 |
| Earnings coverage of net charge-offs (x) | 5.5637% | 3,162 |
| Efficiency ratio | 59.6908% | 5,475 |
| Assets per employee ($millions) | 5.0596% | 2,095 |
| Cash dividends to net income (ytd only)* | 22.8364% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 2,869 |
| Loan loss allowance to noncurrent loans | 160.1504% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1317% | 3,390 |
| Noncurrent loans to loans | 1.0209% | 3,759 |
| Net loans and leases to total assets | 75.0478% | 1,129 |
| Net loans and leases to deposits | 95.9971% | 685 |
| Net loans and leases to core deposits | 105.4721% | 786 |
| Total domestic deposits to total assets | 78.1771% | 5,878 |
| Equity capital to assets | 11.6874% | 2,138 |
| Core capital (leverage) ratio | 11.4972% | 2,045 |
| Tier 1 risk-based capital ratio | 14.3032% | 4,211 |
| Total risk-based capital ratio | 15.5169% | 4,185 |
| Memoranda: | ||
| Average total assets | $133,178,000 | 4,052 |
| Average earning assets | $124,399,750 | 3,992 |
| Average equity | $15,835,250 | 3,770 |
| Average total loans | $101,457,250 | 3,442 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5682% | 1,962 |
| Cost of funding earning assets | 0.7316% | 1,826 |
| Net interest margin | 3.8366% | 2,418 |
| Noninterest income to average assets | 0.7695% | 2,328 |
| Noninterest expense to average assets | 2.5811% | 4,450 |
| Loan and lease loss provision to assets | 0.1818% | 2,094 |
| Net operating income to assets | 1.1361% | 1,787 |
| Return on assets (ROA) | 1.1361% | 1,904 |
| Pretax return on assets | 1.5890% | 1,399 |
| Return on Equity (ROE) | 9.4987% | 2,419 |
| Retained earnings to average equity (ytd only) | 8.1562% | 1,417 |
| Net charge-offs to loans | 0.1890% | 2,621 |
| Credit loss provision to net charge-offs | 126.3158% | 1,786 |
| Earnings coverage of net charge-offs (x) | 12.3053% | 1,987 |
| Efficiency ratio | 59.3108% | 5,566 |
| Assets per employee ($millions) | 5.0593% | 2,045 |
| Cash dividends to net income (ytd only)* | 14.1333% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 2,430 |
| Loan loss allowance to noncurrent loans | 110.1715% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5878% | 2,733 |
| Noncurrent loans to loans | 1.6349% | 2,862 |
| Net loans and leases to total assets | 74.3530% | 1,202 |
| Net loans and leases to deposits | 98.1646% | 531 |
| Net loans and leases to core deposits | 108.7697% | 615 |
| Total domestic deposits to total assets | 75.7432% | 6,278 |
| Equity capital to assets | 11.6683% | 2,162 |
| Core capital (leverage) ratio | 11.7046% | 1,795 |
| Tier 1 risk-based capital ratio | 14.2935% | 4,232 |
| Total risk-based capital ratio | 15.5090% | 4,205 |
| Memoranda: | ||
| Average total assets | $132,034,330 | 4,100 |
| Average earning assets | $123,286,000 | 4,048 |
| Average equity | $15,791,670 | 3,803 |
| Average total loans | $100,534,330 | 3,471 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 1,820 |
| Cost of funding earning assets | 0.7575% | 1,788 |
| Net interest margin | 3.8438% | 2,306 |
| Noninterest income to average assets | 0.8262% | 2,017 |
| Noninterest expense to average assets | 2.6173% | 4,344 |
| Loan and lease loss provision to assets | 0.1850% | 1,997 |
| Net operating income to assets | 1.1499% | 1,675 |
| Return on assets (ROA) | 1.1499% | 1,778 |
| Pretax return on assets | 1.6062% | 1,293 |
| Return on Equity (ROE) | 9.4923% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.4923% | 1,244 |
| Net charge-offs to loans | -0.0202% | 5,714 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3706% | 5,673 |
| Assets per employee ($millions) | 4.6383% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 2,277 |
| Loan loss allowance to noncurrent loans | 94.5328% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.8025% | 2,603 |
| Noncurrent loans to loans | 2.0206% | 2,597 |
| Net loans and leases to total assets | 75.2065% | 935 |
| Net loans and leases to deposits | 94.9868% | 609 |
| Net loans and leases to core deposits | 103.9097% | 720 |
| Total domestic deposits to total assets | 79.1758% | 5,929 |
| Equity capital to assets | 12.2304% | 1,885 |
| Core capital (leverage) ratio | 11.5867% | 1,822 |
| Tier 1 risk-based capital ratio | 15.4166% | 3,583 |
| Total risk-based capital ratio | 16.6755% | 3,534 |
| Memoranda: | ||
| Average total assets | $129,751,000 | 4,189 |
| Average earning assets | $120,922,000 | 4,135 |
| Average equity | $15,718,000 | 3,870 |
| Average total loans | $99,086,500 | 3,531 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 1,867 |
| Cost of funding earning assets | 0.9074% | 1,896 |
| Net interest margin | 3.9845% | 2,464 |
| Noninterest income to average assets | 0.7919% | 2,295 |
| Noninterest expense to average assets | 2.6314% | 4,634 |
| Loan and lease loss provision to assets | 0.1838% | 3,338 |
| Net operating income to assets | 1.1930% | 1,626 |
| Return on assets (ROA) | 1.1930% | 1,790 |
| Pretax return on assets | 1.6573% | 1,245 |
| Return on Equity (ROE) | 9.7336% | 2,293 |
| Retained earnings to average equity (ytd only) | 4.0291% | 3,379 |
| Net charge-offs to loans | 0.1217% | 4,469 |
| Credit loss provision to net charge-offs | 205.3571% | 1,249 |
| Earnings coverage of net charge-offs (x) | 20.5714% | 1,345 |
| Efficiency ratio | 58.8351% | 5,717 |
| Assets per employee ($millions) | 5.4012% | 1,781 |
| Cash dividends to net income (ytd only)* | 58.6068% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 2,408 |
| Loan loss allowance to noncurrent loans | 100.6572% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 2.0188% | 2,431 |
| Noncurrent loans to loans | 1.8520% | 2,856 |
| Net loans and leases to total assets | 74.6438% | 1,109 |
| Net loans and leases to deposits | 94.9307% | 688 |
| Net loans and leases to core deposits | 106.6050% | 667 |
| Total domestic deposits to total assets | 78.6298% | 5,969 |
| Equity capital to assets | 11.9973% | 2,050 |
| Core capital (leverage) ratio | 11.5611% | 1,835 |
| Tier 1 risk-based capital ratio | 14.2631% | 4,193 |
| Total risk-based capital ratio | 15.5192% | 4,145 |
| Memoranda: | ||
| Average total assets | $125,142,600 | 4,244 |
| Average earning assets | $115,599,200 | 4,218 |
| Average equity | $15,338,600 | 3,887 |
| Average total loans | $92,064,600 | 3,693 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 2,055 |
| Cost of funding earning assets | 0.9341% | 1,957 |
| Net interest margin | 3.9540% | 2,687 |
| Noninterest income to average assets | 0.7493% | 2,491 |
| Noninterest expense to average assets | 2.5963% | 4,756 |
| Loan and lease loss provision to assets | 0.1774% | 3,365 |
| Net operating income to assets | 1.1793% | 1,804 |
| Return on assets (ROA) | 1.1793% | 1,994 |
| Pretax return on assets | 1.6298% | 1,479 |
| Return on Equity (ROE) | 9.5689% | 2,559 |
| Retained earnings to average equity (ytd only) | 1.9364% | 5,360 |
| Net charge-offs to loans | 0.1504% | 3,906 |
| Credit loss provision to net charge-offs | 161.7647% | 1,719 |
| Earnings coverage of net charge-offs (x) | 16.4800% | 1,690 |
| Efficiency ratio | 58.9600% | 5,669 |
| Assets per employee ($millions) | 4.9729% | 2,222 |
| Cash dividends to net income (ytd only)* | 79.7632% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8527% | 2,637 |
| Loan loss allowance to noncurrent loans | 109.4537% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 2.0165% | 2,615 |
| Noncurrent loans to loans | 1.6927% | 3,253 |
| Net loans and leases to total assets | 75.9739% | 985 |
| Net loans and leases to deposits | 99.2779% | 479 |
| Net loans and leases to core deposits | 108.5554% | 629 |
| Total domestic deposits to total assets | 76.5265% | 6,309 |
| Equity capital to assets | 12.2318% | 2,083 |
| Core capital (leverage) ratio | 11.7003% | 1,843 |
| Tier 1 risk-based capital ratio | 14.1495% | 4,419 |
| Total risk-based capital ratio | 15.4055% | 4,374 |
| Memoranda: | ||
| Average total assets | $124,021,000 | 4,312 |
| Average earning assets | $114,616,000 | 4,273 |
| Average equity | $15,285,250 | 3,938 |
| Average total loans | $90,431,250 | 3,779 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 2,149 |
| Cost of funding earning assets | 0.9693% | 1,938 |
| Net interest margin | 3.9210% | 2,826 |
| Noninterest income to average assets | 0.7069% | 2,630 |
| Noninterest expense to average assets | 2.6146% | 4,724 |
| Loan and lease loss provision to assets | 0.1533% | 3,606 |
| Net operating income to assets | 1.1346% | 1,931 |
| Return on assets (ROA) | 1.1346% | 2,149 |
| Pretax return on assets | 1.5558% | 1,693 |
| Return on Equity (ROE) | 9.1827% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.2684% | 1,539 |
| Net charge-offs to loans | 0.0610% | 4,570 |
| Credit loss provision to net charge-offs | 351.8519% | 833 |
| Earnings coverage of net charge-offs (x) | 39.2222% | 888 |
| Efficiency ratio | 60.4703% | 5,504 |
| Assets per employee ($millions) | 4.6540% | 2,631 |
| Cash dividends to net income (ytd only)* | 9.9573% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0477% | 2,111 |
| Loan loss allowance to noncurrent loans | 175.8112% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 1.6066% | 3,311 |
| Noncurrent loans to loans | 1.1647% | 4,210 |
| Net loans and leases to total assets | 70.6828% | 1,790 |
| Net loans and leases to deposits | 94.0406% | 767 |
| Net loans and leases to core deposits | 103.9500% | 860 |
| Total domestic deposits to total assets | 75.1620% | 6,571 |
| Equity capital to assets | 12.9169% | 1,558 |
| Core capital (leverage) ratio | 12.1101% | 1,543 |
| Tier 1 risk-based capital ratio | 15.7207% | 3,320 |
| Total risk-based capital ratio | 16.9792% | 3,281 |
| Memoranda: | ||
| Average total assets | $123,920,330 | 4,331 |
| Average earning assets | $114,306,330 | 4,304 |
| Average equity | $15,311,330 | 3,922 |
| Average total loans | $88,496,330 | 3,840 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 2,382 |
| Cost of funding earning assets | 0.9893% | 2,039 |
| Net interest margin | 3.8741% | 3,035 |
| Noninterest income to average assets | 0.6540% | 2,911 |
| Noninterest expense to average assets | 2.5108% | 5,115 |
| Loan and lease loss provision to assets | 0.1436% | 3,564 |
| Net operating income to assets | 1.1453% | 1,898 |
| Return on assets (ROA) | 1.1453% | 2,081 |
| Pretax return on assets | 1.5728% | 1,660 |
| Return on Equity (ROE) | 9.4773% | 2,613 |
| Retained earnings to average equity (ytd only) | 9.4773% | 1,420 |
| Net charge-offs to loans | 0.1212% | 3,385 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 19.9259% | 1,208 |
| Efficiency ratio | 59.3962% | 5,709 |
| Assets per employee ($millions) | 4.5980% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9773% | 2,428 |
| Loan loss allowance to noncurrent loans | 227.4869% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 1.5377% | 3,559 |
| Noncurrent loans to loans | 0.8692% | 4,929 |
| Net loans and leases to total assets | 69.4016% | 1,860 |
| Net loans and leases to deposits | 92.7778% | 744 |
| Net loans and leases to core deposits | 103.0228% | 808 |
| Total domestic deposits to total assets | 74.8041% | 6,670 |
| Equity capital to assets | 12.2983% | 1,856 |
| Core capital (leverage) ratio | 11.6700% | 1,795 |
| Tier 1 risk-based capital ratio | 15.2376% | 3,599 |
| Total risk-based capital ratio | 16.4953% | 3,558 |
| Memoranda: | ||
| Average total assets | $125,378,500 | 4,336 |
| Average earning assets | $115,640,500 | 4,300 |
| Average equity | $15,152,000 | 3,960 |
| Average total loans | $89,086,000 | 3,852 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 2,096 |
| Cost of funding earning assets | 1.1838% | 2,141 |
| Net interest margin | 4.0079% | 2,844 |
| Noninterest income to average assets | 0.6150% | 3,089 |
| Noninterest expense to average assets | 2.5492% | 5,300 |
| Loan and lease loss provision to assets | 0.3091% | 3,195 |
| Net operating income to assets | 1.0721% | 1,915 |
| Return on assets (ROA) | 1.0721% | 2,053 |
| Pretax return on assets | 1.4225% | 1,708 |
| Return on Equity (ROE) | 9.1856% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.1856% | 752 |
| Net charge-offs to loans | 0.3249% | 3,767 |
| Credit loss provision to net charge-offs | 128.5223% | 2,410 |
| Earnings coverage of net charge-offs (x) | 7.1993% | 2,379 |
| Efficiency ratio | 59.5482% | 5,826 |
| Assets per employee ($millions) | 5.0644% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 2,553 |
| Loan loss allowance to noncurrent loans | 149.1761% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 3,160 |
| Noncurrent loans to loans | 1.2772% | 4,239 |
| Net loans and leases to total assets | 69.9423% | 2,044 |
| Net loans and leases to deposits | 93.8738% | 819 |
| Net loans and leases to core deposits | 105.0562% | 839 |
| Total domestic deposits to total assets | 74.5068% | 6,671 |
| Equity capital to assets | 11.8758% | 2,215 |
| Core capital (leverage) ratio | 11.2631% | 2,071 |
| Tier 1 risk-based capital ratio | 14.6870% | 3,840 |
| Total risk-based capital ratio | 15.9435% | 3,816 |
| Memoranda: | ||
| Average total assets | $120,981,400 | 4,372 |
| Average earning assets | $110,656,600 | 4,379 |
| Average equity | $14,120,000 | 4,084 |
| Average total loans | $89,571,200 | 3,866 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 2,078 |
| Cost of funding earning assets | 1.2153% | 2,223 |
| Net interest margin | 4.0198% | 2,834 |
| Noninterest income to average assets | 0.5664% | 3,398 |
| Noninterest expense to average assets | 2.5914% | 5,114 |
| Loan and lease loss provision to assets | 0.2498% | 3,509 |
| Net operating income to assets | 1.0582% | 2,109 |
| Return on assets (ROA) | 1.0582% | 2,250 |
| Pretax return on assets | 1.3949% | 1,956 |
| Return on Equity (ROE) | 9.1088% | 2,549 |
| Retained earnings to average equity (ytd only) | 9.1088% | 1,105 |
| Net charge-offs to loans | 0.3505% | 3,341 |
| Credit loss provision to net charge-offs | 95.3191% | 3,592 |
| Earnings coverage of net charge-offs (x) | 6.2765% | 2,582 |
| Efficiency ratio | 61.1740% | 5,535 |
| Assets per employee ($millions) | 4.8853% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,917 |
| Loan loss allowance to noncurrent loans | 151.1152% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 2.1501% | 2,976 |
| Noncurrent loans to loans | 1.1962% | 4,541 |
| Net loans and leases to total assets | 72.3168% | 1,642 |
| Net loans and leases to deposits | 99.0412% | 513 |
| Net loans and leases to core deposits | 109.1284% | 717 |
| Total domestic deposits to total assets | 73.0169% | 6,856 |
| Equity capital to assets | 11.9731% | 2,270 |
| Core capital (leverage) ratio | 11.4007% | 2,098 |
| Tier 1 risk-based capital ratio | 14.4052% | 4,045 |
| Total risk-based capital ratio | 15.6603% | 4,009 |
| Memoranda: | ||
| Average total assets | $119,574,250 | 4,438 |
| Average earning assets | $109,157,000 | 4,445 |
| Average equity | $13,891,000 | 4,144 |
| Average total loans | $89,395,500 | 3,910 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 2,200 |
| Cost of funding earning assets | 1.2475% | 2,264 |
| Net interest margin | 3.9692% | 2,995 |
| Noninterest income to average assets | 0.4700% | 4,108 |
| Noninterest expense to average assets | 2.6364% | 5,053 |
| Loan and lease loss provision to assets | 0.2022% | 3,902 |
| Net operating income to assets | 0.9771% | 2,325 |
| Return on assets (ROA) | 0.9771% | 2,427 |
| Pretax return on assets | 1.2601% | 2,266 |
| Return on Equity (ROE) | 8.5000% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.5000% | 1,263 |
| Net charge-offs to loans | 0.3878% | 3,008 |
| Credit loss provision to net charge-offs | 69.3642% | 4,073 |
| Earnings coverage of net charge-offs (x) | 5.0173% | 2,712 |
| Efficiency ratio | 64.3239% | 5,178 |
| Assets per employee ($millions) | 4.8474% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 3,112 |
| Loan loss allowance to noncurrent loans | 162.2951% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 2.0630% | 3,158 |
| Noncurrent loans to loans | 1.0858% | 4,852 |
| Net loans and leases to total assets | 72.8646% | 1,624 |
| Net loans and leases to deposits | 99.3866% | 521 |
| Net loans and leases to core deposits | 113.0021% | 618 |
| Total domestic deposits to total assets | 73.3144% | 6,901 |
| Equity capital to assets | 11.6161% | 2,398 |
| Core capital (leverage) ratio | 11.3792% | 1,991 |
| Tier 1 risk-based capital ratio | 13.9393% | 4,211 |
| Total risk-based capital ratio | 15.1945% | 4,180 |
| Memoranda: | ||
| Average total assets | $118,721,670 | 4,495 |
| Average earning assets | $108,536,330 | 4,487 |
| Average equity | $13,647,000 | 4,187 |
| Average total loans | $89,211,330 | 3,959 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 1,947 |
| Cost of funding earning assets | 1.2707% | 2,358 |
| Net interest margin | 4.0059% | 2,660 |
| Noninterest income to average assets | 0.5481% | 3,528 |
| Noninterest expense to average assets | 2.6555% | 5,015 |
| Loan and lease loss provision to assets | 0.2043% | 3,598 |
| Net operating income to assets | 1.0316% | 2,068 |
| Return on assets (ROA) | 1.0316% | 2,115 |
| Pretax return on assets | 1.3482% | 1,889 |
| Return on Equity (ROE) | 9.0232% | 2,465 |
| Retained earnings to average equity (ytd only) | 9.0232% | 1,371 |
| Net charge-offs to loans | 0.7786% | 1,655 |
| Credit loss provision to net charge-offs | 34.6821% | 4,038 |
| Earnings coverage of net charge-offs (x) | 2.6358% | 3,025 |
| Efficiency ratio | 63.1068% | 5,504 |
| Assets per employee ($millions) | 4.4690% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7292% | 3,243 |
| Loan loss allowance to noncurrent loans | 218.9655% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 2.2927% | 2,956 |
| Noncurrent loans to loans | 0.7897% | 5,457 |
| Net loans and leases to total assets | 74.5383% | 1,262 |
| Net loans and leases to deposits | 102.5723% | 364 |
| Net loans and leases to core deposits | 115.5557% | 543 |
| Total domestic deposits to total assets | 72.6690% | 7,025 |
| Equity capital to assets | 11.7442% | 2,082 |
| Core capital (leverage) ratio | 11.2494% | 2,004 |
| Tier 1 risk-based capital ratio | 13.4822% | 4,429 |
| Total risk-based capital ratio | 14.7362% | 4,406 |
| Memoranda: | ||
| Average total assets | $117,490,000 | 4,549 |
| Average earning assets | $107,341,000 | 4,545 |
| Average equity | $13,432,000 | 4,234 |
| Average total loans | $88,874,500 | 4,000 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4459% | 2,491 |
| Cost of funding earning assets | 1.4752% | 2,787 |
| Net interest margin | 3.9707% | 3,146 |
| Noninterest income to average assets | 0.8487% | 2,061 |
| Noninterest expense to average assets | 2.5582% | 5,589 |
| Loan and lease loss provision to assets | 0.5840% | 2,800 |
| Net operating income to assets | 1.0687% | 1,807 |
| Return on assets (ROA) | 1.0708% | 1,890 |
| Pretax return on assets | 1.3611% | 1,768 |
| Return on Equity (ROE) | 9.8642% | 1,980 |
| Retained earnings to average equity (ytd only) | 9.8642% | 549 |
| Net charge-offs to loans | 0.4947% | 3,652 |
| Credit loss provision to net charge-offs | 155.4545% | 2,275 |
| Earnings coverage of net charge-offs (x) | 5.1705% | 2,698 |
| Efficiency ratio | 56.8393% | 6,485 |
| Assets per employee ($millions) | 4.5687% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 2,772 |
| Loan loss allowance to noncurrent loans | 74.3753% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.4481% | 2,827 |
| Noncurrent loans to loans | 2.4560% | 3,069 |
| Net loans and leases to total assets | 74.0651% | 1,648 |
| Net loans and leases to deposits | 100.9744% | 526 |
| Net loans and leases to core deposits | 114.4070% | 704 |
| Total domestic deposits to total assets | 73.3504% | 6,964 |
| Equity capital to assets | 11.1276% | 2,571 |
| Core capital (leverage) ratio | 10.8929% | 2,235 |
| Tier 1 risk-based capital ratio | 13.0789% | 4,540 |
| Total risk-based capital ratio | 14.3343% | 4,496 |
| Memoranda: | ||
| Average total assets | $117,113,800 | 4,550 |
| Average earning assets | $107,714,800 | 4,519 |
| Average equity | $12,712,600 | 4,427 |
| Average total loans | $88,948,000 | 4,078 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 2,640 |
| Cost of funding earning assets | 1.5220% | 2,829 |
| Net interest margin | 3.9290% | 3,410 |
| Noninterest income to average assets | 0.7084% | 2,777 |
| Noninterest expense to average assets | 2.4999% | 5,716 |
| Loan and lease loss provision to assets | 0.4456% | 3,244 |
| Net operating income to assets | 1.0964% | 1,899 |
| Return on assets (ROA) | 1.0991% | 1,996 |
| Pretax return on assets | 1.3882% | 1,913 |
| Return on Equity (ROE) | 10.1907% | 2,052 |
| Retained earnings to average equity (ytd only) | 10.1907% | 755 |
| Net charge-offs to loans | 0.0451% | 6,088 |
| Credit loss provision to net charge-offs | 1,300.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 53.3988% | 541 |
| Efficiency ratio | 57.7309% | 6,306 |
| Assets per employee ($millions) | 4.5685% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9504% | 2,349 |
| Loan loss allowance to noncurrent loans | 68.1571% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.8262% | 2,569 |
| Noncurrent loans to loans | 2.8616% | 2,788 |
| Net loans and leases to total assets | 74.1914% | 1,760 |
| Net loans and leases to deposits | 100.9485% | 588 |
| Net loans and leases to core deposits | 110.9704% | 983 |
| Total domestic deposits to total assets | 73.4943% | 6,991 |
| Equity capital to assets | 11.1271% | 2,832 |
| Core capital (leverage) ratio | 10.6101% | 2,592 |
| Tier 1 risk-based capital ratio | 12.6847% | 4,828 |
| Total risk-based capital ratio | 13.9407% | 4,804 |
| Memoranda: | ||
| Average total assets | $116,695,750 | 4,622 |
| Average earning assets | $107,572,250 | 4,581 |
| Average equity | $12,586,250 | 4,531 |
| Average total loans | $88,781,000 | 4,152 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4639% | 2,687 |
| Cost of funding earning assets | 1.5673% | 2,855 |
| Net interest margin | 3.8966% | 3,462 |
| Noninterest income to average assets | 0.5638% | 3,598 |
| Noninterest expense to average assets | 2.5259% | 5,626 |
| Loan and lease loss provision to assets | 0.3707% | 3,488 |
| Net operating income to assets | 1.0371% | 2,057 |
| Return on assets (ROA) | 1.0414% | 2,117 |
| Pretax return on assets | 1.2603% | 2,222 |
| Return on Equity (ROE) | 9.7608% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.7608% | 903 |
| Net charge-offs to loans | 0.0475% | 5,721 |
| Credit loss provision to net charge-offs | 1,023.8095% | 365 |
| Earnings coverage of net charge-offs (x) | 44.9048% | 658 |
| Efficiency ratio | 60.8389% | 5,890 |
| Assets per employee ($millions) | 4.3448% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 2,922 |
| Loan loss allowance to noncurrent loans | 77.5660% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 2.2684% | 3,169 |
| Noncurrent loans to loans | 2.2488% | 3,429 |
| Net loans and leases to total assets | 76.2047% | 1,451 |
| Net loans and leases to deposits | 103.3241% | 523 |
| Net loans and leases to core deposits | 117.5678% | 783 |
| Total domestic deposits to total assets | 73.7531% | 7,000 |
| Equity capital to assets | 10.7716% | 3,103 |
| Core capital (leverage) ratio | 10.5450% | 2,590 |
| Tier 1 risk-based capital ratio | 12.3081% | 5,033 |
| Total risk-based capital ratio | 13.5626% | 5,009 |
| Memoranda: | ||
| Average total assets | $116,000,330 | 4,658 |
| Average earning assets | $106,811,000 | 4,626 |
| Average equity | $12,376,000 | 4,580 |
| Average total loans | $88,415,000 | 4,189 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3900% | 3,081 |
| Cost of funding earning assets | 1.6268% | 2,793 |
| Net interest margin | 3.7632% | 3,946 |
| Noninterest income to average assets | 0.4855% | 4,155 |
| Noninterest expense to average assets | 2.4032% | 6,071 |
| Loan and lease loss provision to assets | 0.3294% | 3,424 |
| Net operating income to assets | 1.0161% | 2,126 |
| Return on assets (ROA) | 1.0161% | 2,188 |
| Pretax return on assets | 1.2103% | 2,331 |
| Return on Equity (ROE) | 9.5705% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.5705% | 1,251 |
| Net charge-offs to loans | 0.0964% | 4,453 |
| Credit loss provision to net charge-offs | 452.3810% | 930 |
| Earnings coverage of net charge-offs (x) | 21.1429% | 1,133 |
| Efficiency ratio | 60.9499% | 6,012 |
| Assets per employee ($millions) | 4.5820% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 3,147 |
| Loan loss allowance to noncurrent loans | 69.4602% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 2.4976% | 2,909 |
| Noncurrent loans to loans | 2.4141% | 3,258 |
| Net loans and leases to total assets | 75.0930% | 1,723 |
| Net loans and leases to deposits | 101.2143% | 681 |
| Net loans and leases to core deposits | 112.2817% | 1,141 |
| Total domestic deposits to total assets | 74.1921% | 7,022 |
| Equity capital to assets | 10.8459% | 2,901 |
| Core capital (leverage) ratio | 10.4342% | 2,688 |
| Tier 1 risk-based capital ratio | 12.2785% | 4,915 |
| Total risk-based capital ratio | 13.5317% | 4,882 |
| Memoranda: | ||
| Average total assets | $115,346,000 | 4,734 |
| Average earning assets | $105,973,500 | 4,705 |
| Average equity | $12,246,000 | 4,645 |
| Average total loans | $87,131,500 | 4,288 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6788% | 3,212 |
| Cost of funding earning assets | 2.1196% | 2,368 |
| Net interest margin | 3.5592% | 4,698 |
| Noninterest income to average assets | 0.6831% | 3,070 |
| Noninterest expense to average assets | 2.3511% | 6,599 |
| Loan and lease loss provision to assets | 0.4047% | 4,389 |
| Net operating income to assets | 0.9929% | 1,864 |
| Return on assets (ROA) | 0.9929% | 1,911 |
| Pretax return on assets | 1.2167% | 1,912 |
| Return on Equity (ROE) | 9.7491% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.7491% | 394 |
| Net charge-offs to loans | 0.3758% | 4,326 |
| Credit loss provision to net charge-offs | 141.6928% | 3,414 |
| Earnings coverage of net charge-offs (x) | 5.6771% | 2,526 |
| Efficiency ratio | 59.1841% | 6,596 |
| Assets per employee ($millions) | 4.8393% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,265 |
| Loan loss allowance to noncurrent loans | 61.9938% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.3084% | 2,995 |
| Noncurrent loans to loans | 2.5894% | 2,969 |
| Net loans and leases to total assets | 73.5169% | 2,377 |
| Net loans and leases to deposits | 99.3553% | 958 |
| Net loans and leases to core deposits | 113.3376% | 2,559 |
| Total domestic deposits to total assets | 73.9939% | 7,013 |
| Equity capital to assets | 10.3907% | 3,296 |
| Core capital (leverage) ratio | 10.2597% | 2,819 |
| Tier 1 risk-based capital ratio | 12.0798% | 4,872 |
| Total risk-based capital ratio | 13.3325% | 4,836 |
| Memoranda: | ||
| Average total assets | $111,693,400 | 4,780 |
| Average earning assets | $103,225,400 | 4,749 |
| Average equity | $11,375,400 | 4,914 |
| Average total loans | $84,882,400 | 4,362 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7376% | 3,154 |
| Cost of funding earning assets | 2.2045% | 2,395 |
| Net interest margin | 3.5331% | 4,730 |
| Noninterest income to average assets | 0.7331% | 2,808 |
| Noninterest expense to average assets | 2.4368% | 6,288 |
| Loan and lease loss provision to assets | 0.2773% | 4,756 |
| Net operating income to assets | 1.0297% | 1,966 |
| Return on assets (ROA) | 1.0297% | 2,029 |
| Pretax return on assets | 1.2925% | 1,971 |
| Return on Equity (ROE) | 10.1644% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.1644% | 607 |
| Net charge-offs to loans | 0.1548% | 5,165 |
| Credit loss provision to net charge-offs | 234.6939% | 1,863 |
| Earnings coverage of net charge-offs (x) | 13.2861% | 1,686 |
| Efficiency ratio | 60.8185% | 6,305 |
| Assets per employee ($millions) | 4.6511% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 2,884 |
| Loan loss allowance to noncurrent loans | 63.9118% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 2.3596% | 2,917 |
| Noncurrent loans to loans | 2.5461% | 2,964 |
| Net loans and leases to total assets | 75.3859% | 2,136 |
| Net loans and leases to deposits | 104.1189% | 767 |
| Net loans and leases to core deposits | 126.1502% | 1,718 |
| Total domestic deposits to total assets | 72.4036% | 7,161 |
| Equity capital to assets | 10.6874% | 3,304 |
| Core capital (leverage) ratio | 10.1618% | 3,100 |
| Tier 1 risk-based capital ratio | 12.0968% | 4,878 |
| Total risk-based capital ratio | 13.3496% | 4,827 |
| Memoranda: | ||
| Average total assets | $110,581,250 | 4,841 |
| Average earning assets | $102,456,750 | 4,808 |
| Average equity | $11,202,250 | 5,014 |
| Average total loans | $84,408,750 | 4,410 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7666% | 3,212 |
| Cost of funding earning assets | 2.2757% | 2,460 |
| Net interest margin | 3.4909% | 4,844 |
| Noninterest income to average assets | 0.8400% | 2,221 |
| Noninterest expense to average assets | 2.4566% | 6,276 |
| Loan and lease loss provision to assets | 0.2359% | 4,704 |
| Net operating income to assets | 1.0777% | 1,846 |
| Return on assets (ROA) | 1.0777% | 1,923 |
| Pretax return on assets | 1.3843% | 1,770 |
| Return on Equity (ROE) | 10.8397% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.8397% | 585 |
| Net charge-offs to loans | 0.2332% | 4,039 |
| Credit loss provision to net charge-offs | 132.6531% | 3,523 |
| Earnings coverage of net charge-offs (x) | 9.1122% | 2,175 |
| Efficiency ratio | 60.2581% | 6,503 |
| Assets per employee ($millions) | 4.4940% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 2,893 |
| Loan loss allowance to noncurrent loans | 69.9513% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.1789% | 2,962 |
| Noncurrent loans to loans | 2.2371% | 3,207 |
| Net loans and leases to total assets | 72.3362% | 3,131 |
| Net loans and leases to deposits | 98.2411% | 1,487 |
| Net loans and leases to core deposits | 125.0947% | 1,941 |
| Total domestic deposits to total assets | 73.6313% | 7,012 |
| Equity capital to assets | 10.0063% | 3,931 |
| Core capital (leverage) ratio | 9.8883% | 3,409 |
| Tier 1 risk-based capital ratio | 12.0406% | 4,886 |
| Total risk-based capital ratio | 13.2929% | 4,802 |
| Memoranda: | ||
| Average total assets | $110,232,670 | 4,879 |
| Average earning assets | $102,210,000 | 4,830 |
| Average equity | $10,959,670 | 5,098 |
| Average total loans | $84,030,670 | 4,463 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8553% | 3,013 |
| Cost of funding earning assets | 2.3209% | 2,613 |
| Net interest margin | 3.5345% | 4,593 |
| Noninterest income to average assets | 0.8390% | 2,130 |
| Noninterest expense to average assets | 2.2899% | 6,572 |
| Loan and lease loss provision to assets | 0.2565% | 3,915 |
| Net operating income to assets | 1.1541% | 1,791 |
| Return on assets (ROA) | 1.1541% | 1,912 |
| Pretax return on assets | 1.5791% | 1,461 |
| Return on Equity (ROE) | 11.6467% | 1,773 |
| Retained earnings to average equity (ytd only) | 11.6467% | 859 |
| Net charge-offs to loans | 0.5144% | 2,176 |
| Credit loss provision to net charge-offs | 64.2202% | 4,451 |
| Earnings coverage of net charge-offs (x) | 4.5963% | 2,850 |
| Efficiency ratio | 55.5062% | 7,034 |
| Assets per employee ($millions) | 4.7262% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 3,192 |
| Loan loss allowance to noncurrent loans | 51.4755% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.1821% | 2,621 |
| Noncurrent loans to loans | 2.8297% | 2,314 |
| Net loans and leases to total assets | 75.9912% | 2,269 |
| Net loans and leases to deposits | 105.1838% | 929 |
| Net loans and leases to core deposits | 138.3281% | 1,186 |
| Total domestic deposits to total assets | 72.2461% | 7,170 |
| Equity capital to assets | 10.1553% | 3,820 |
| Core capital (leverage) ratio | 9.8288% | 3,603 |
| Tier 1 risk-based capital ratio | 11.8234% | 5,098 |
| Total risk-based capital ratio | 13.0750% | 5,011 |
| Memoranda: | ||
| Average total assets | $109,174,500 | 4,924 |
| Average earning assets | $101,514,500 | 4,875 |
| Average equity | $10,818,500 | 5,158 |
| Average total loans | $84,765,500 | 4,468 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2449% | 4,276 |
| Cost of funding earning assets | 2.9636% | 2,013 |
| Net interest margin | 3.2813% | 6,102 |
| Noninterest income to average assets | 0.4823% | 4,781 |
| Noninterest expense to average assets | 2.1002% | 7,238 |
| Loan and lease loss provision to assets | 0.2151% | 4,739 |
| Net operating income to assets | 0.9444% | 2,811 |
| Return on assets (ROA) | 0.9444% | 2,669 |
| Pretax return on assets | 1.2290% | 2,552 |
| Return on Equity (ROE) | 10.2924% | 2,161 |
| Retained earnings to average equity (ytd only) | 10.2924% | 413 |
| Net charge-offs to loans | 0.0185% | 6,608 |
| Credit loss provision to net charge-offs | 1,468.7500% | 306 |
| Earnings coverage of net charge-offs (x) | 98.6250% | 437 |
| Efficiency ratio | 59.2564% | 6,485 |
| Assets per employee ($millions) | 4.5686% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 2,830 |
| Loan loss allowance to noncurrent loans | 44.9038% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 2.5591% | 1,887 |
| Noncurrent loans to loans | 3.2740% | 1,596 |
| Net loans and leases to total assets | 77.0162% | 2,371 |
| Net loans and leases to deposits | 104.8133% | 1,260 |
| Net loans and leases to core deposits | 137.5454% | 1,408 |
| Total domestic deposits to total assets | 73.4794% | 6,743 |
| Equity capital to assets | 9.6656% | 4,467 |
| Core capital (leverage) ratio | 9.5314% | 3,970 |
| Tier 1 risk-based capital ratio | 11.3956% | 5,334 |
| Total risk-based capital ratio | 12.6470% | 5,239 |
| Memoranda: | ||
| Average total assets | $109,273,800 | 4,804 |
| Average earning assets | $101,971,400 | 4,751 |
| Average equity | $10,026,800 | 5,403 |
| Average total loans | $86,368,000 | 4,323 |