Home > Wood & Huston Bank > Performance and Condition Ratios
Wood & Huston Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 1,709 |
| Cost of funding earning assets | 2.4121% | 449 |
| Net interest margin | 2.7673% | 3,721 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.1636% | 3,213 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0462% | 2,075 |
| Return on assets (ROA) | 1.0643% | 1,994 |
| Pretax return on assets | 1.0643% | 2,505 |
| Return on Equity (ROE) | 13.3300% | 1,646 |
| Retained earnings to average equity (ytd only) | 10.5304% | 898 |
| Net charge-offs to loans | 0.0370% | 1,566 |
| Credit loss provision to net charge-offs | 374.0299% | 820 |
| Earnings coverage of net charge-offs (x) | 39.3284% | 1,459 |
| Efficiency ratio | 65.2219% | 2,453 |
| Assets per employee ($millions) | 6.5832% | 2,355 |
| Cash dividends to net income (ytd only)* | 21.0137% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 1,498 |
| Loan loss allowance to noncurrent loans | 712.2955% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 2,425 |
| Noncurrent loans to loans | 0.1927% | 2,545 |
| Net loans and leases to total assets | 74.5000% | 1,295 |
| Net loans and leases to deposits | 81.8581% | 1,956 |
| Net loans and leases to core deposits | 94.8009% | 1,720 |
| Total domestic deposits to total assets | 91.0100% | 502 |
| Equity capital to assets | 8.1458% | 3,317 |
| Core capital (leverage) ratio | 9.8283% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9997% | 2,244 |
| Memoranda: | ||
| Average total assets | $1,141,969,400 | 887 |
| Average earning assets | $1,074,891,400 | 865 |
| Average equity | $91,164,600 | 1,016 |
| Average total loans | $904,361,600 | 789 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 1,678 |
| Cost of funding earning assets | 2.2897% | 416 |
| Net interest margin | 2.7849% | 3,749 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.1335% | 3,258 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1119% | 2,014 |
| Return on assets (ROA) | 1.1138% | 1,994 |
| Pretax return on assets | 1.1138% | 2,529 |
| Return on Equity (ROE) | 14.0300% | 1,646 |
| Retained earnings to average equity (ytd only) | 10.7871% | 1,194 |
| Net charge-offs to loans | 0.0341% | 1,403 |
| Credit loss provision to net charge-offs | 360.8696% | 773 |
| Earnings coverage of net charge-offs (x) | 44.3435% | 1,388 |
| Efficiency ratio | 63.7935% | 2,525 |
| Assets per employee ($millions) | 6.1369% | 2,623 |
| Cash dividends to net income (ytd only)* | 23.1105% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 1,719 |
| Loan loss allowance to noncurrent loans | 4,444.4043% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,569 |
| Noncurrent loans to loans | 0.0300% | 3,557 |
| Net loans and leases to total assets | 80.2000% | 616 |
| Net loans and leases to deposits | 87.8961% | 1,397 |
| Net loans and leases to core deposits | 101.1311% | 1,255 |
| Total domestic deposits to total assets | 91.2400% | 617 |
| Equity capital to assets | 7.8143% | 3,173 |
| Core capital (leverage) ratio | 9.7741% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0439% | 2,258 |
| Memoranda: | ||
| Average total assets | $1,122,987,250 | 901 |
| Average earning assets | $1,057,812,500 | 879 |
| Average equity | $89,154,000 | 1,034 |
| Average total loans | $900,453,000 | 795 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8569% | 1,868 |
| Cost of funding earning assets | 2.0920% | 416 |
| Net interest margin | 2.7649% | 3,879 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.1577% | 3,195 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.0505% | 2,260 |
| Return on assets (ROA) | 1.0593% | 2,232 |
| Pretax return on assets | 1.0593% | 2,750 |
| Return on Equity (ROE) | 13.2700% | 1,845 |
| Retained earnings to average equity (ytd only) | 10.0292% | 1,393 |
| Net charge-offs to loans | 0.0267% | 1,354 |
| Credit loss provision to net charge-offs | 534.4538% | 627 |
| Earnings coverage of net charge-offs (x) | 54.7311% | 1,239 |
| Efficiency ratio | 64.9537% | 2,381 |
| Assets per employee ($millions) | 6.1880% | 2,556 |
| Cash dividends to net income (ytd only)* | 24.4347% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 1,761 |
| Loan loss allowance to noncurrent loans | 2,982.4390% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 3,424 |
| Noncurrent loans to loans | 0.0449% | 3,400 |
| Net loans and leases to total assets | 79.6000% | 674 |
| Net loans and leases to deposits | 87.2580% | 1,405 |
| Net loans and leases to core deposits | 99.1882% | 1,277 |
| Total domestic deposits to total assets | 91.2200% | 577 |
| Equity capital to assets | 8.0128% | 3,211 |
| Core capital (leverage) ratio | 9.8013% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4520% | 2,481 |
| Memoranda: | ||
| Average total assets | $1,118,873,000 | 892 |
| Average earning assets | $1,054,789,333 | 868 |
| Average equity | $89,299,333 | 1,024 |
| Average total loans | $893,003,667 | 790 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 1,941 |
| Cost of funding earning assets | 1.8989% | 364 |
| Net interest margin | 2.7650% | 3,996 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.1027% | 3,375 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1348% | 2,112 |
| Return on assets (ROA) | 1.1384% | 2,072 |
| Pretax return on assets | 1.1384% | 2,602 |
| Return on Equity (ROE) | 14.2900% | 1,715 |
| Retained earnings to average equity (ytd only) | 11.0047% | 1,467 |
| Net charge-offs to loans | 0.0054% | 1,768 |
| Credit loss provision to net charge-offs | 2,091.6667% | 193 |
| Earnings coverage of net charge-offs (x) | 283.8333% | 382 |
| Efficiency ratio | 63.1863% | 2,546 |
| Assets per employee ($millions) | 6.0833% | 2,692 |
| Cash dividends to net income (ytd only)* | 23.0016% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,832 |
| Loan loss allowance to noncurrent loans | 2,463.9175% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,346 |
| Noncurrent loans to loans | 0.0547% | 3,346 |
| Net loans and leases to total assets | 79.4500% | 595 |
| Net loans and leases to deposits | 89.6968% | 1,079 |
| Net loans and leases to core deposits | 95.4090% | 1,315 |
| Total domestic deposits to total assets | 88.5800% | 1,707 |
| Equity capital to assets | 8.2472% | 3,079 |
| Core capital (leverage) ratio | 9.6592% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5327% | 2,563 |
| Memoranda: | ||
| Average total assets | $1,112,105,500 | 915 |
| Average earning assets | $1,047,106,000 | 894 |
| Average equity | $88,580,000 | 1,048 |
| Average total loans | $882,705,000 | 811 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 2,021 |
| Cost of funding earning assets | 0.9091% | 243 |
| Net interest margin | 2.9755% | 3,510 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.2433% | 2,915 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2711% | 1,526 |
| Return on assets (ROA) | 1.1838% | 1,771 |
| Pretax return on assets | 1.1838% | 2,490 |
| Return on Equity (ROE) | 14.5300% | 1,393 |
| Retained earnings to average equity (ytd only) | 6.1563% | 2,584 |
| Net charge-offs to loans | 0.0420% | 1,279 |
| Credit loss provision to net charge-offs | 163.7427% | 1,242 |
| Earnings coverage of net charge-offs (x) | 41.7865% | 1,477 |
| Efficiency ratio | 62.9027% | 2,640 |
| Assets per employee ($millions) | 6.2745% | 2,532 |
| Cash dividends to net income (ytd only)* | 57.6322% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,449 |
| Loan loss allowance to noncurrent loans | 2,399.5402% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,415 |
| Noncurrent loans to loans | 0.0495% | 3,404 |
| Net loans and leases to total assets | 77.3000% | 866 |
| Net loans and leases to deposits | 84.5038% | 1,427 |
| Net loans and leases to core deposits | 88.7758% | 1,567 |
| Total domestic deposits to total assets | 91.4800% | 785 |
| Equity capital to assets | 7.6885% | 3,264 |
| Core capital (leverage) ratio | 9.7852% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2943% | 2,652 |
| Memoranda: | ||
| Average total assets | $1,080,204,800 | 919 |
| Average earning assets | $1,018,504,800 | 892 |
| Average equity | $88,008,000 | 1,053 |
| Average total loans | $814,824,200 | 810 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 1,910 |
| Cost of funding earning assets | 0.7370% | 216 |
| Net interest margin | 3.0072% | 3,203 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.1540% | 3,062 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.3170% | 1,298 |
| Return on assets (ROA) | 1.2817% | 1,389 |
| Pretax return on assets | 1.2817% | 2,100 |
| Return on Equity (ROE) | 15.5000% | 1,081 |
| Retained earnings to average equity (ytd only) | 11.2051% | 998 |
| Net charge-offs to loans | 0.0337% | 1,181 |
| Credit loss provision to net charge-offs | 543.0693% | 582 |
| Earnings coverage of net charge-offs (x) | 57.7277% | 1,191 |
| Efficiency ratio | 59.7049% | 3,151 |
| Assets per employee ($millions) | 5.8989% | 2,848 |
| Cash dividends to net income (ytd only)* | 27.7210% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,799 |
| Loan loss allowance to noncurrent loans | 3,462.3053% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,297 |
| Noncurrent loans to loans | 0.0390% | 3,612 |
| Net loans and leases to total assets | 76.8200% | 830 |
| Net loans and leases to deposits | 84.0927% | 1,292 |
| Net loans and leases to core deposits | 88.3569% | 1,396 |
| Total domestic deposits to total assets | 91.3500% | 1,103 |
| Equity capital to assets | 7.8334% | 2,998 |
| Core capital (leverage) ratio | 9.9800% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2305% | 2,381 |
| Memoranda: | ||
| Average total assets | $1,069,471,750 | 928 |
| Average earning assets | $1,009,696,750 | 908 |
| Average equity | $88,422,000 | 1,063 |
| Average total loans | $798,873,000 | 821 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 1,913 |
| Cost of funding earning assets | 0.6038% | 264 |
| Net interest margin | 2.9734% | 2,963 |
| Noninterest income to average assets | 0.7613% | 1,149 |
| Noninterest expense to average assets | 2.1265% | 3,076 |
| Loan and lease loss provision to assets | 0.1412% | 677 |
| Net operating income to assets | 1.3017% | 1,133 |
| Return on assets (ROA) | 1.2600% | 1,238 |
| Pretax return on assets | 1.2600% | 1,871 |
| Return on Equity (ROE) | 14.9815% | 898 |
| Retained earnings to average equity (ytd only) | 11.7930% | 638 |
| Net charge-offs to loans | 0.0200% | 1,334 |
| Credit loss provision to net charge-offs | 959.4937% | 420 |
| Earnings coverage of net charge-offs (x) | 98.0759% | 825 |
| Efficiency ratio | 59.5764% | 3,354 |
| Assets per employee ($millions) | 6.1714% | 2,596 |
| Cash dividends to net income (ytd only)* | 21.2829% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 1,967 |
| Loan loss allowance to noncurrent loans | 2,540.5594% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,490 |
| Noncurrent loans to loans | 0.0531% | 3,554 |
| Net loans and leases to total assets | 73.0244% | 1,001 |
| Net loans and leases to deposits | 81.0868% | 1,310 |
| Net loans and leases to core deposits | 84.8567% | 1,403 |
| Total domestic deposits to total assets | 90.0570% | 1,689 |
| Equity capital to assets | 7.9410% | 3,164 |
| Core capital (leverage) ratio | 9.8691% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0112% | 2,492 |
| Memoranda: | ||
| Average total assets | $1,073,992,000 | 919 |
| Average earning assets | $1,014,258,000 | 903 |
| Average equity | $90,324,667 | 1,048 |
| Average total loans | $791,070,333 | 814 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 1,725 |
| Cost of funding earning assets | 0.5493% | 375 |
| Net interest margin | 2.9751% | 2,585 |
| Noninterest income to average assets | 0.7216% | 1,247 |
| Noninterest expense to average assets | 2.1731% | 2,914 |
| Loan and lease loss provision to assets | 0.0883% | 937 |
| Net operating income to assets | 1.2701% | 1,070 |
| Return on assets (ROA) | 1.2502% | 1,103 |
| Pretax return on assets | 1.2502% | 1,655 |
| Return on Equity (ROE) | 14.4514% | 742 |
| Retained earnings to average equity (ytd only) | 11.3249% | 722 |
| Net charge-offs to loans | 0.0245% | 1,075 |
| Credit loss provision to net charge-offs | 489.5833% | 529 |
| Earnings coverage of net charge-offs (x) | 75.3333% | 771 |
| Efficiency ratio | 61.5360% | 3,321 |
| Assets per employee ($millions) | 5.9565% | 2,846 |
| Cash dividends to net income (ytd only)* | 21.6346% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,258 |
| Loan loss allowance to noncurrent loans | 2,675.0643% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,403 |
| Noncurrent loans to loans | 0.0494% | 3,624 |
| Net loans and leases to total assets | 74.6028% | 607 |
| Net loans and leases to deposits | 83.3753% | 927 |
| Net loans and leases to core deposits | 87.8573% | 1,025 |
| Total domestic deposits to total assets | 89.4783% | 1,827 |
| Equity capital to assets | 8.3249% | 3,307 |
| Core capital (leverage) ratio | 9.4915% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6994% | 2,715 |
| Memoranda: | ||
| Average total assets | $1,064,817,500 | 928 |
| Average earning assets | $1,005,691,500 | 914 |
| Average equity | $92,115,500 | 1,062 |
| Average total loans | $782,318,500 | 809 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 869 |
| Cost of funding earning assets | 0.5567% | 684 |
| Net interest margin | 3.7264% | 1,154 |
| Noninterest income to average assets | 0.8623% | 1,298 |
| Noninterest expense to average assets | 2.4147% | 2,444 |
| Loan and lease loss provision to assets | 0.1191% | 1,047 |
| Net operating income to assets | 1.8285% | 476 |
| Return on assets (ROA) | 1.9299% | 410 |
| Pretax return on assets | 1.9299% | 686 |
| Return on Equity (ROE) | 19.5158% | 339 |
| Retained earnings to average equity (ytd only) | 9.2129% | 1,133 |
| Net charge-offs to loans | 0.0243% | 1,757 |
| Credit loss provision to net charge-offs | 667.6136% | 683 |
| Earnings coverage of net charge-offs (x) | 109.1364% | 835 |
| Efficiency ratio | 55.3531% | 3,777 |
| Assets per employee ($millions) | 6.1427% | 2,617 |
| Cash dividends to net income (ytd only)* | 52.7925% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,289 |
| Loan loss allowance to noncurrent loans | 2,221.5217% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,514 |
| Noncurrent loans to loans | 0.0592% | 3,653 |
| Net loans and leases to total assets | 70.4864% | 985 |
| Net loans and leases to deposits | 79.2885% | 1,275 |
| Net loans and leases to core deposits | 83.3713% | 1,369 |
| Total domestic deposits to total assets | 88.8987% | 1,571 |
| Equity capital to assets | 8.9633% | 3,659 |
| Core capital (leverage) ratio | 9.4659% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5500% | 2,765 |
| Memoranda: | ||
| Average total assets | $986,217,400 | 969 |
| Average earning assets | $926,299,600 | 962 |
| Average equity | $97,526,200 | 1,030 |
| Average total loans | $725,668,000 | 851 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 599 |
| Cost of funding earning assets | 0.5682% | 751 |
| Net interest margin | 3.9990% | 798 |
| Noninterest income to average assets | 0.8694% | 1,326 |
| Noninterest expense to average assets | 2.3405% | 2,631 |
| Loan and lease loss provision to assets | 0.2401% | 392 |
| Net operating income to assets | 2.0403% | 432 |
| Return on assets (ROA) | 2.1743% | 359 |
| Pretax return on assets | 2.1743% | 575 |
| Return on Equity (ROE) | 21.4202% | 330 |
| Retained earnings to average equity (ytd only) | 17.7898% | 205 |
| Net charge-offs to loans | 0.0249% | 1,544 |
| Credit loss provision to net charge-offs | 1,300.7519% | 446 |
| Earnings coverage of net charge-offs (x) | 123.5714% | 759 |
| Efficiency ratio | 50.6516% | 4,156 |
| Assets per employee ($millions) | 5.7485% | 2,940 |
| Cash dividends to net income (ytd only)* | 16.9485% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,889 |
| Loan loss allowance to noncurrent loans | 871.7164% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 3,174 |
| Noncurrent loans to loans | 0.1641% | 3,302 |
| Net loans and leases to total assets | 74.0898% | 686 |
| Net loans and leases to deposits | 84.6523% | 919 |
| Net loans and leases to core deposits | 89.6019% | 1,055 |
| Total domestic deposits to total assets | 87.5225% | 2,095 |
| Equity capital to assets | 10.1934% | 2,721 |
| Core capital (leverage) ratio | 10.3788% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0245% | 2,699 |
| Memoranda: | ||
| Average total assets | $960,958,500 | 998 |
| Average earning assets | $901,475,750 | 996 |
| Average equity | $97,544,250 | 1,049 |
| Average total loans | $712,938,750 | 881 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 317 |
| Cost of funding earning assets | 0.5726% | 856 |
| Net interest margin | 4.4799% | 365 |
| Noninterest income to average assets | 0.8698% | 1,357 |
| Noninterest expense to average assets | 2.3811% | 2,528 |
| Loan and lease loss provision to assets | 0.1818% | 629 |
| Net operating income to assets | 2.4999% | 217 |
| Return on assets (ROA) | 2.7027% | 173 |
| Pretax return on assets | 2.7027% | 257 |
| Return on Equity (ROE) | 26.6653% | 156 |
| Retained earnings to average equity (ytd only) | 23.1442% | 93 |
| Net charge-offs to loans | 0.0252% | 1,439 |
| Credit loss provision to net charge-offs | 977.2727% | 483 |
| Earnings coverage of net charge-offs (x) | 144.1364% | 605 |
| Efficiency ratio | 47.0308% | 4,461 |
| Assets per employee ($millions) | 5.6898% | 2,911 |
| Cash dividends to net income (ytd only)* | 13.2050% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,258 |
| Loan loss allowance to noncurrent loans | 825.1858% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 3,313 |
| Noncurrent loans to loans | 0.1619% | 3,404 |
| Net loans and leases to total assets | 74.9533% | 680 |
| Net loans and leases to deposits | 85.7636% | 926 |
| Net loans and leases to core deposits | 90.6293% | 1,096 |
| Total domestic deposits to total assets | 87.3952% | 2,132 |
| Equity capital to assets | 10.2454% | 2,620 |
| Core capital (leverage) ratio | 10.5417% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2777% | 2,254 |
| Memoranda: | ||
| Average total assets | $945,947,000 | 1,009 |
| Average earning assets | $885,383,667 | 1,006 |
| Average equity | $95,877,333 | 1,058 |
| Average total loans | $698,533,000 | 896 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 309 |
| Cost of funding earning assets | 0.5917% | 912 |
| Net interest margin | 4.5096% | 349 |
| Noninterest income to average assets | 0.8913% | 1,353 |
| Noninterest expense to average assets | 2.4261% | 2,416 |
| Loan and lease loss provision to assets | 0.0475% | 2,128 |
| Net operating income to assets | 2.6484% | 208 |
| Return on assets (ROA) | 2.8849% | 188 |
| Pretax return on assets | 2.8849% | 266 |
| Return on Equity (ROE) | 28.6277% | 168 |
| Retained earnings to average equity (ytd only) | 25.5439% | 128 |
| Net charge-offs to loans | 0.0148% | 1,448 |
| Credit loss provision to net charge-offs | 440.0000% | 622 |
| Earnings coverage of net charge-offs (x) | 249.8400% | 345 |
| Efficiency ratio | 47.3666% | 4,380 |
| Assets per employee ($millions) | 5.6155% | 3,004 |
| Cash dividends to net income (ytd only)* | 10.7720% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 2,301 |
| Loan loss allowance to noncurrent loans | 616.6998% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 3,257 |
| Noncurrent loans to loans | 0.2155% | 3,335 |
| Net loans and leases to total assets | 71.5443% | 1,088 |
| Net loans and leases to deposits | 81.5444% | 1,372 |
| Net loans and leases to core deposits | 85.7200% | 1,544 |
| Total domestic deposits to total assets | 87.7367% | 1,986 |
| Equity capital to assets | 9.8653% | 2,831 |
| Core capital (leverage) ratio | 10.5623% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2332% | 2,584 |
| Memoranda: | ||
| Average total assets | $926,756,500 | 1,015 |
| Average earning assets | $869,432,500 | 1,004 |
| Average equity | $93,392,000 | 1,064 |
| Average total loans | $673,910,000 | 925 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4730% | 1,381 |
| Cost of funding earning assets | 0.8495% | 1,020 |
| Net interest margin | 3.6234% | 2,061 |
| Noninterest income to average assets | 1.0147% | 1,022 |
| Noninterest expense to average assets | 2.7459% | 2,095 |
| Loan and lease loss provision to assets | 0.2654% | 1,455 |
| Net operating income to assets | 1.3831% | 1,057 |
| Return on assets (ROA) | 1.6074% | 686 |
| Pretax return on assets | 1.6074% | 1,060 |
| Return on Equity (ROE) | 14.6628% | 694 |
| Retained earnings to average equity (ytd only) | 5.8970% | 1,844 |
| Net charge-offs to loans | 0.1083% | 1,389 |
| Credit loss provision to net charge-offs | 331.8043% | 1,629 |
| Earnings coverage of net charge-offs (x) | 20.6070% | 1,934 |
| Efficiency ratio | 62.4857% | 3,046 |
| Assets per employee ($millions) | 5.1909% | 3,175 |
| Cash dividends to net income (ytd only)* | 59.7824% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,870 |
| Loan loss allowance to noncurrent loans | 694.3524% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 3,385 |
| Noncurrent loans to loans | 0.2051% | 3,473 |
| Net loans and leases to total assets | 71.9059% | 1,298 |
| Net loans and leases to deposits | 82.7661% | 1,571 |
| Net loans and leases to core deposits | 87.2637% | 1,768 |
| Total domestic deposits to total assets | 86.8785% | 1,995 |
| Equity capital to assets | 10.3080% | 2,824 |
| Core capital (leverage) ratio | 10.6247% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4249% | 2,478 |
| Memoranda: | ||
| Average total assets | $817,519,800 | 1,037 |
| Average earning assets | $762,533,200 | 1,030 |
| Average equity | $89,621,600 | 1,061 |
| Average total loans | $603,698,000 | 971 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6690% | 1,138 |
| Cost of funding earning assets | 0.9073% | 1,043 |
| Net interest margin | 3.7617% | 1,730 |
| Noninterest income to average assets | 1.0173% | 997 |
| Noninterest expense to average assets | 2.6525% | 2,380 |
| Loan and lease loss provision to assets | 0.2839% | 1,419 |
| Net operating income to assets | 1.5927% | 742 |
| Return on assets (ROA) | 1.8366% | 467 |
| Pretax return on assets | 1.8366% | 736 |
| Return on Equity (ROE) | 16.4808% | 494 |
| Retained earnings to average equity (ytd only) | 13.2504% | 310 |
| Net charge-offs to loans | 0.1030% | 1,283 |
| Credit loss provision to net charge-offs | 371.8341% | 1,542 |
| Earnings coverage of net charge-offs (x) | 24.5830% | 1,754 |
| Efficiency ratio | 58.5670% | 3,590 |
| Assets per employee ($millions) | 4.9294% | 3,340 |
| Cash dividends to net income (ytd only)* | 19.6007% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,652 |
| Loan loss allowance to noncurrent loans | 665.4275% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 3,441 |
| Noncurrent loans to loans | 0.2134% | 3,527 |
| Net loans and leases to total assets | 74.5823% | 1,298 |
| Net loans and leases to deposits | 86.9703% | 1,591 |
| Net loans and leases to core deposits | 92.0437% | 1,794 |
| Total domestic deposits to total assets | 85.7561% | 2,161 |
| Equity capital to assets | 11.3927% | 2,088 |
| Core capital (leverage) ratio | 11.2683% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3418% | 1,713 |
| Memoranda: | ||
| Average total assets | $799,987,500 | 1,040 |
| Average earning assets | $746,808,000 | 1,033 |
| Average equity | $89,152,250 | 1,055 |
| Average total loans | $592,749,250 | 984 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 1,099 |
| Cost of funding earning assets | 0.9677% | 1,077 |
| Net interest margin | 3.8619% | 1,661 |
| Noninterest income to average assets | 0.8928% | 1,186 |
| Noninterest expense to average assets | 2.6719% | 2,465 |
| Loan and lease loss provision to assets | 0.1800% | 2,220 |
| Net operating income to assets | 1.6414% | 690 |
| Return on assets (ROA) | 1.8204% | 533 |
| Pretax return on assets | 1.8204% | 782 |
| Return on Equity (ROE) | 16.4640% | 493 |
| Retained earnings to average equity (ytd only) | 13.1624% | 340 |
| Net charge-offs to loans | 0.0896% | 1,354 |
| Credit loss provision to net charge-offs | 273.0769% | 1,688 |
| Earnings coverage of net charge-offs (x) | 27.6346% | 1,484 |
| Efficiency ratio | 59.4640% | 3,491 |
| Assets per employee ($millions) | 5.0107% | 3,160 |
| Cash dividends to net income (ytd only)* | 20.0529% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,888 |
| Loan loss allowance to noncurrent loans | 1,375.2108% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,034 |
| Noncurrent loans to loans | 0.0964% | 4,066 |
| Net loans and leases to total assets | 72.9707% | 1,561 |
| Net loans and leases to deposits | 87.2957% | 1,629 |
| Net loans and leases to core deposits | 92.9027% | 1,824 |
| Total domestic deposits to total assets | 83.5903% | 2,889 |
| Equity capital to assets | 11.0862% | 2,262 |
| Core capital (leverage) ratio | 11.1873% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1418% | 2,119 |
| Memoranda: | ||
| Average total assets | $788,958,667 | 1,038 |
| Average earning assets | $735,535,667 | 1,030 |
| Average equity | $87,233,000 | 1,062 |
| Average total loans | $580,240,333 | 988 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 1,574 |
| Cost of funding earning assets | 1.1062% | 1,026 |
| Net interest margin | 3.6377% | 2,545 |
| Noninterest income to average assets | 0.9026% | 1,058 |
| Noninterest expense to average assets | 2.7641% | 2,535 |
| Loan and lease loss provision to assets | 0.0677% | 2,912 |
| Net operating income to assets | 1.4519% | 879 |
| Return on assets (ROA) | 1.4988% | 862 |
| Pretax return on assets | 1.4988% | 1,310 |
| Return on Equity (ROE) | 13.5751% | 780 |
| Retained earnings to average equity (ytd only) | 10.1766% | 711 |
| Net charge-offs to loans | 0.0597% | 1,411 |
| Credit loss provision to net charge-offs | 154.7619% | 1,569 |
| Earnings coverage of net charge-offs (x) | 34.7143% | 1,098 |
| Efficiency ratio | 64.5255% | 3,145 |
| Assets per employee ($millions) | 4.5399% | 3,209 |
| Cash dividends to net income (ytd only)* | 25.0348% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 1,854 |
| Loan loss allowance to noncurrent loans | 1,987.4359% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 4,195 |
| Noncurrent loans to loans | 0.0685% | 4,259 |
| Net loans and leases to total assets | 73.1877% | 1,750 |
| Net loans and leases to deposits | 89.5221% | 1,569 |
| Net loans and leases to core deposits | 97.0788% | 1,713 |
| Total domestic deposits to total assets | 81.7538% | 3,481 |
| Equity capital to assets | 11.0353% | 2,825 |
| Core capital (leverage) ratio | 11.2837% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9871% | 1,908 |
| Memoranda: | ||
| Average total assets | $767,550,000 | 1,034 |
| Average earning assets | $713,414,000 | 1,019 |
| Average equity | $84,743,500 | 1,090 |
| Average total loans | $562,806,500 | 991 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 1,912 |
| Cost of funding earning assets | 1.1323% | 1,219 |
| Net interest margin | 3.7116% | 2,781 |
| Noninterest income to average assets | 0.9685% | 1,039 |
| Noninterest expense to average assets | 2.8781% | 2,357 |
| Loan and lease loss provision to assets | 0.0651% | 2,723 |
| Net operating income to assets | 1.4805% | 1,100 |
| Return on assets (ROA) | 1.4944% | 1,130 |
| Pretax return on assets | 1.4944% | 1,823 |
| Return on Equity (ROE) | 12.9687% | 1,178 |
| Retained earnings to average equity (ytd only) | 2.6583% | 3,708 |
| Net charge-offs to loans | 0.1046% | 1,683 |
| Credit loss provision to net charge-offs | 83.6555% | 2,749 |
| Earnings coverage of net charge-offs (x) | 19.8629% | 1,971 |
| Efficiency ratio | 65.0612% | 2,921 |
| Assets per employee ($millions) | 4.5705% | 3,122 |
| Cash dividends to net income (ytd only)* | 79.5022% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 1,572 |
| Loan loss allowance to noncurrent loans | 2,781.5884% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,245 |
| Noncurrent loans to loans | 0.0498% | 4,347 |
| Net loans and leases to total assets | 71.4494% | 2,179 |
| Net loans and leases to deposits | 85.8218% | 2,116 |
| Net loans and leases to core deposits | 93.0872% | 2,151 |
| Total domestic deposits to total assets | 83.2533% | 3,119 |
| Equity capital to assets | 11.0463% | 2,949 |
| Core capital (leverage) ratio | 11.2009% | 2,336 |
| Tier 1 risk-based capital ratio | 13.3387% | 3,613 |
| Total risk-based capital ratio | 14.5527% | 3,512 |
| Memoranda: | ||
| Average total assets | $731,252,200 | 1,037 |
| Average earning assets | $680,739,400 | 1,024 |
| Average equity | $84,264,400 | 1,043 |
| Average total loans | $544,201,800 | 992 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 1,917 |
| Cost of funding earning assets | 1.1205% | 1,273 |
| Net interest margin | 3.7500% | 2,752 |
| Noninterest income to average assets | 0.9651% | 1,010 |
| Noninterest expense to average assets | 2.8235% | 2,503 |
| Loan and lease loss provision to assets | 0.0489% | 2,917 |
| Net operating income to assets | 1.5848% | 969 |
| Return on assets (ROA) | 1.6055% | 957 |
| Pretax return on assets | 1.6055% | 1,617 |
| Return on Equity (ROE) | 13.7806% | 1,031 |
| Retained earnings to average equity (ytd only) | 7.6186% | 1,573 |
| Net charge-offs to loans | 0.0788% | 1,696 |
| Credit loss provision to net charge-offs | 82.8125% | 2,468 |
| Earnings coverage of net charge-offs (x) | 27.6497% | 1,708 |
| Efficiency ratio | 63.3471% | 3,103 |
| Assets per employee ($millions) | 4.4180% | 3,319 |
| Cash dividends to net income (ytd only)* | 44.7154% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,523 |
| Loan loss allowance to noncurrent loans | 977.6515% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 3,979 |
| Noncurrent loans to loans | 0.1445% | 4,021 |
| Net loans and leases to total assets | 73.6726% | 1,880 |
| Net loans and leases to deposits | 89.6173% | 1,742 |
| Net loans and leases to core deposits | 97.3974% | 1,863 |
| Total domestic deposits to total assets | 82.2081% | 3,413 |
| Equity capital to assets | 11.8966% | 2,330 |
| Core capital (leverage) ratio | 11.8955% | 1,922 |
| Tier 1 risk-based capital ratio | 13.9862% | 3,341 |
| Total risk-based capital ratio | 15.2694% | 3,226 |
| Memoranda: | ||
| Average total assets | $722,102,500 | 1,047 |
| Average earning assets | $672,444,750 | 1,036 |
| Average equity | $84,125,750 | 1,038 |
| Average total loans | $541,169,750 | 998 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 2,052 |
| Cost of funding earning assets | 1.0673% | 1,428 |
| Net interest margin | 3.7354% | 2,813 |
| Noninterest income to average assets | 0.9625% | 939 |
| Noninterest expense to average assets | 2.7700% | 2,689 |
| Loan and lease loss provision to assets | 0.0607% | 2,610 |
| Net operating income to assets | 1.6126% | 876 |
| Return on assets (ROA) | 1.6190% | 909 |
| Pretax return on assets | 1.6190% | 1,487 |
| Return on Equity (ROE) | 13.9977% | 981 |
| Retained earnings to average equity (ytd only) | 6.2177% | 2,181 |
| Net charge-offs to loans | 0.0746% | 1,623 |
| Credit loss provision to net charge-offs | 108.4577% | 1,859 |
| Earnings coverage of net charge-offs (x) | 29.9005% | 1,463 |
| Efficiency ratio | 62.3410% | 3,377 |
| Assets per employee ($millions) | 4.5431% | 3,072 |
| Cash dividends to net income (ytd only)* | 55.5804% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 1,518 |
| Loan loss allowance to noncurrent loans | 1,356.5972% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 4,068 |
| Noncurrent loans to loans | 0.1048% | 4,199 |
| Net loans and leases to total assets | 74.5130% | 1,801 |
| Net loans and leases to deposits | 91.0153% | 1,625 |
| Net loans and leases to core deposits | 97.2055% | 1,953 |
| Total domestic deposits to total assets | 81.8687% | 3,557 |
| Equity capital to assets | 11.7030% | 2,445 |
| Core capital (leverage) ratio | 11.7591% | 1,981 |
| Tier 1 risk-based capital ratio | 13.6685% | 3,501 |
| Total risk-based capital ratio | 14.9515% | 3,375 |
| Memoranda: | ||
| Average total assets | $718,340,330 | 1,052 |
| Average earning assets | $669,373,000 | 1,044 |
| Average equity | $83,085,000 | 1,046 |
| Average total loans | $538,876,330 | 1,000 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 2,165 |
| Cost of funding earning assets | 0.9624% | 1,736 |
| Net interest margin | 3.7557% | 2,685 |
| Noninterest income to average assets | 0.8812% | 1,081 |
| Noninterest expense to average assets | 2.7538% | 2,726 |
| Loan and lease loss provision to assets | 0.1148% | 1,536 |
| Net operating income to assets | 1.5058% | 1,101 |
| Return on assets (ROA) | 1.5058% | 1,128 |
| Pretax return on assets | 1.5058% | 1,744 |
| Return on Equity (ROE) | 13.0973% | 1,181 |
| Retained earnings to average equity (ytd only) | 0.5457% | 4,423 |
| Net charge-offs to loans | 0.1312% | 954 |
| Credit loss provision to net charge-offs | 117.1429% | 1,432 |
| Earnings coverage of net charge-offs (x) | 16.5314% | 1,695 |
| Efficiency ratio | 62.9530% | 3,388 |
| Assets per employee ($millions) | 4.6076% | 3,030 |
| Cash dividends to net income (ytd only)* | 95.8333% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,452 |
| Loan loss allowance to noncurrent loans | 1,676.2313% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 3,686 |
| Noncurrent loans to loans | 0.0874% | 4,359 |
| Net loans and leases to total assets | 73.6876% | 1,868 |
| Net loans and leases to deposits | 89.2613% | 1,716 |
| Net loans and leases to core deposits | 94.3920% | 2,087 |
| Total domestic deposits to total assets | 82.5527% | 3,560 |
| Equity capital to assets | 11.5284% | 2,373 |
| Core capital (leverage) ratio | 11.5857% | 2,070 |
| Tier 1 risk-based capital ratio | 13.6886% | 3,503 |
| Total risk-based capital ratio | 14.9695% | 3,401 |
| Memoranda: | ||
| Average total assets | $714,062,000 | 1,060 |
| Average earning assets | $664,172,000 | 1,055 |
| Average equity | $82,093,000 | 1,048 |
| Average total loans | $533,591,000 | 1,017 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 2,480 |
| Cost of funding earning assets | 0.7559% | 1,755 |
| Net interest margin | 3.7375% | 2,906 |
| Noninterest income to average assets | 1.6922% | 335 |
| Noninterest expense to average assets | 2.6711% | 3,121 |
| Loan and lease loss provision to assets | 0.1334% | 1,634 |
| Net operating income to assets | 2.3855% | 176 |
| Return on assets (ROA) | 2.3855% | 173 |
| Pretax return on assets | 2.3855% | 250 |
| Return on Equity (ROE) | 20.8370% | 210 |
| Retained earnings to average equity (ytd only) | 12.7174% | 258 |
| Net charge-offs to loans | 0.4385% | 418 |
| Credit loss provision to net charge-offs | 40.3274% | 3,281 |
| Earnings coverage of net charge-offs (x) | 7.6122% | 2,973 |
| Efficiency ratio | 51.4655% | 4,842 |
| Assets per employee ($millions) | 4.5187% | 3,143 |
| Cash dividends to net income (ytd only)* | 38.9672% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,407 |
| Loan loss allowance to noncurrent loans | 1,222.2571% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 3,491 |
| Noncurrent loans to loans | 0.1197% | 4,189 |
| Net loans and leases to total assets | 73.5763% | 1,999 |
| Net loans and leases to deposits | 87.6366% | 2,095 |
| Net loans and leases to core deposits | 92.8233% | 2,337 |
| Total domestic deposits to total assets | 83.9562% | 3,013 |
| Equity capital to assets | 11.4648% | 2,278 |
| Core capital (leverage) ratio | 11.5352% | 2,077 |
| Tier 1 risk-based capital ratio | 13.5262% | 3,530 |
| Total risk-based capital ratio | 14.7998% | 3,425 |
| Memoranda: | ||
| Average total assets | $701,404,400 | 1,058 |
| Average earning assets | $656,426,400 | 1,045 |
| Average equity | $80,299,400 | 1,026 |
| Average total loans | $529,288,000 | 989 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 2,622 |
| Cost of funding earning assets | 0.6860% | 1,938 |
| Net interest margin | 3.7147% | 2,965 |
| Noninterest income to average assets | 1.9656% | 284 |
| Noninterest expense to average assets | 2.5621% | 3,405 |
| Loan and lease loss provision to assets | 0.1484% | 1,342 |
| Net operating income to assets | 2.7408% | 110 |
| Return on assets (ROA) | 2.7408% | 111 |
| Pretax return on assets | 2.7408% | 152 |
| Return on Equity (ROE) | 23.9494% | 105 |
| Retained earnings to average equity (ytd only) | 20.5457% | 51 |
| Net charge-offs to loans | 0.5423% | 277 |
| Credit loss provision to net charge-offs | 36.1564% | 2,937 |
| Earnings coverage of net charge-offs (x) | 7.0410% | 2,834 |
| Efficiency ratio | 46.9999% | 5,100 |
| Assets per employee ($millions) | 4.4695% | 3,167 |
| Cash dividends to net income (ytd only)* | 14.2121% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,434 |
| Loan loss allowance to noncurrent loans | 639.1980% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,748 |
| Noncurrent loans to loans | 0.2308% | 3,881 |
| Net loans and leases to total assets | 73.4143% | 2,093 |
| Net loans and leases to deposits | 93.4838% | 1,437 |
| Net loans and leases to core deposits | 99.0654% | 1,865 |
| Total domestic deposits to total assets | 78.5316% | 4,401 |
| Equity capital to assets | 11.7646% | 2,061 |
| Core capital (leverage) ratio | 11.9619% | 1,807 |
| Tier 1 risk-based capital ratio | 14.1495% | 3,294 |
| Total risk-based capital ratio | 15.4325% | 3,192 |
| Memoranda: | ||
| Average total assets | $698,268,000 | 1,064 |
| Average earning assets | $655,210,750 | 1,047 |
| Average equity | $79,911,000 | 1,024 |
| Average total loans | $528,336,000 | 989 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 2,646 |
| Cost of funding earning assets | 0.6378% | 1,998 |
| Net interest margin | 3.6969% | 2,935 |
| Noninterest income to average assets | 2.4413% | 213 |
| Noninterest expense to average assets | 2.5784% | 3,384 |
| Loan and lease loss provision to assets | 0.2147% | 772 |
| Net operating income to assets | 3.1201% | 75 |
| Return on assets (ROA) | 3.1201% | 75 |
| Pretax return on assets | 3.1201% | 100 |
| Return on Equity (ROE) | 27.5268% | 52 |
| Retained earnings to average equity (ytd only) | 24.0698% | 31 |
| Net charge-offs to loans | 0.7963% | 173 |
| Credit loss provision to net charge-offs | 35.4424% | 2,600 |
| Earnings coverage of net charge-offs (x) | 5.5062% | 2,702 |
| Efficiency ratio | 43.6047% | 5,296 |
| Assets per employee ($millions) | 4.5581% | 3,035 |
| Cash dividends to net income (ytd only)* | 12.5589% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,382 |
| Loan loss allowance to noncurrent loans | 1,155.9823% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 4,311 |
| Noncurrent loans to loans | 0.1301% | 4,323 |
| Net loans and leases to total assets | 73.0093% | 2,114 |
| Net loans and leases to deposits | 87.3180% | 2,179 |
| Net loans and leases to core deposits | 92.7506% | 2,331 |
| Total domestic deposits to total assets | 83.6131% | 3,214 |
| Equity capital to assets | 11.5713% | 2,146 |
| Core capital (leverage) ratio | 11.7681% | 1,857 |
| Tier 1 risk-based capital ratio | 13.9035% | 3,401 |
| Total risk-based capital ratio | 15.1862% | 3,314 |
| Memoranda: | ||
| Average total assets | $694,140,670 | 1,070 |
| Average earning assets | $651,906,330 | 1,051 |
| Average equity | $78,679,670 | 1,036 |
| Average total loans | $527,938,000 | 988 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,485 |
| Cost of funding earning assets | 0.5829% | 2,152 |
| Net interest margin | 3.7244% | 2,708 |
| Noninterest income to average assets | 3.5605% | 133 |
| Noninterest expense to average assets | 2.6316% | 3,240 |
| Loan and lease loss provision to assets | 0.4143% | 267 |
| Net operating income to assets | 4.0102% | 49 |
| Return on assets (ROA) | 4.0102% | 49 |
| Pretax return on assets | 4.0102% | 63 |
| Return on Equity (ROE) | 35.7588% | 25 |
| Retained earnings to average equity (ytd only) | 32.2449% | 16 |
| Net charge-offs to loans | 1.6805% | 77 |
| Credit loss provision to net charge-offs | 32.0054% | 2,052 |
| Earnings coverage of net charge-offs (x) | 3.4176% | 2,392 |
| Efficiency ratio | 37.2947% | 5,498 |
| Assets per employee ($millions) | 4.3105% | 3,465 |
| Cash dividends to net income (ytd only)* | 9.8266% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,580 |
| Loan loss allowance to noncurrent loans | 1,180.8937% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,554 |
| Noncurrent loans to loans | 0.1245% | 4,406 |
| Net loans and leases to total assets | 75.8836% | 1,559 |
| Net loans and leases to deposits | 87.9944% | 1,930 |
| Net loans and leases to core deposits | 93.8076% | 2,156 |
| Total domestic deposits to total assets | 86.2368% | 2,431 |
| Equity capital to assets | 11.5658% | 2,078 |
| Core capital (leverage) ratio | 11.6481% | 1,894 |
| Tier 1 risk-based capital ratio | 13.5176% | 3,644 |
| Total risk-based capital ratio | 14.7987% | 3,542 |
| Memoranda: | ||
| Average total assets | $690,238,000 | 1,084 |
| Average earning assets | $647,843,000 | 1,065 |
| Average equity | $77,407,500 | 1,060 |
| Average total loans | $531,751,000 | 990 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 2,272 |
| Cost of funding earning assets | 0.5049% | 2,285 |
| Net interest margin | 3.8098% | 2,384 |
| Noninterest income to average assets | 1.0647% | 898 |
| Noninterest expense to average assets | 2.7885% | 2,814 |
| Loan and lease loss provision to assets | 0.0816% | 2,568 |
| Net operating income to assets | 1.7763% | 451 |
| Return on assets (ROA) | 1.7763% | 464 |
| Pretax return on assets | 1.7763% | 844 |
| Return on Equity (ROE) | 15.5989% | 529 |
| Retained earnings to average equity (ytd only) | 6.3406% | 1,363 |
| Net charge-offs to loans | 0.1099% | 1,969 |
| Credit loss provision to net charge-offs | 90.9548% | 2,763 |
| Earnings coverage of net charge-offs (x) | 20.7102% | 1,953 |
| Efficiency ratio | 60.0142% | 4,262 |
| Assets per employee ($millions) | 4.5995% | 3,033 |
| Cash dividends to net income (ytd only)* | 59.3520% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 958 |
| Loan loss allowance to noncurrent loans | 849.4912% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 4,330 |
| Noncurrent loans to loans | 0.1993% | 4,112 |
| Net loans and leases to total assets | 75.7557% | 1,644 |
| Net loans and leases to deposits | 86.7146% | 2,171 |
| Net loans and leases to core deposits | 91.7167% | 2,396 |
| Total domestic deposits to total assets | 87.3622% | 1,827 |
| Equity capital to assets | 10.8769% | 2,756 |
| Core capital (leverage) ratio | 10.8273% | 2,502 |
| Tier 1 risk-based capital ratio | 12.2204% | 4,383 |
| Total risk-based capital ratio | 13.8311% | 4,052 |
| Memoranda: | ||
| Average total assets | $665,472,200 | 1,101 |
| Average earning assets | $625,653,200 | 1,079 |
| Average equity | $75,781,200 | 1,064 |
| Average total loans | $543,030,400 | 942 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 2,157 |
| Cost of funding earning assets | 0.4964% | 2,296 |
| Net interest margin | 3.8391% | 2,250 |
| Noninterest income to average assets | 1.0828% | 870 |
| Noninterest expense to average assets | 2.6564% | 3,225 |
| Loan and lease loss provision to assets | 0.0730% | 2,611 |
| Net operating income to assets | 1.9659% | 335 |
| Return on assets (ROA) | 1.9659% | 341 |
| Pretax return on assets | 1.9659% | 588 |
| Return on Equity (ROE) | 17.0581% | 413 |
| Retained earnings to average equity (ytd only) | 13.2905% | 197 |
| Net charge-offs to loans | 0.0935% | 1,852 |
| Credit loss provision to net charge-offs | 94.2257% | 2,398 |
| Earnings coverage of net charge-offs (x) | 26.3253% | 1,683 |
| Efficiency ratio | 56.5763% | 4,666 |
| Assets per employee ($millions) | 4.3635% | 3,367 |
| Cash dividends to net income (ytd only)* | 22.0867% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 1,057 |
| Loan loss allowance to noncurrent loans | 1,130.6748% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,563 |
| Noncurrent loans to loans | 0.1492% | 4,458 |
| Net loans and leases to total assets | 80.9580% | 848 |
| Net loans and leases to deposits | 94.2031% | 1,276 |
| Net loans and leases to core deposits | 100.4015% | 1,669 |
| Total domestic deposits to total assets | 85.9398% | 2,333 |
| Equity capital to assets | 11.9868% | 1,971 |
| Core capital (leverage) ratio | 11.4237% | 2,077 |
| Tier 1 risk-based capital ratio | 12.7325% | 4,186 |
| Total risk-based capital ratio | 14.3257% | 3,864 |
| Memoranda: | ||
| Average total assets | $655,910,000 | 1,116 |
| Average earning assets | $617,184,750 | 1,097 |
| Average equity | $75,590,750 | 1,071 |
| Average total loans | $543,215,000 | 949 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 2,197 |
| Cost of funding earning assets | 0.4796% | 2,330 |
| Net interest margin | 3.7991% | 2,291 |
| Noninterest income to average assets | 1.0746% | 872 |
| Noninterest expense to average assets | 2.6327% | 3,330 |
| Loan and lease loss provision to assets | 0.0664% | 2,640 |
| Net operating income to assets | 1.9490% | 338 |
| Return on assets (ROA) | 1.9490% | 345 |
| Pretax return on assets | 1.9490% | 590 |
| Return on Equity (ROE) | 17.1443% | 402 |
| Retained earnings to average equity (ytd only) | 13.4828% | 222 |
| Net charge-offs to loans | 0.0723% | 1,906 |
| Credit loss provision to net charge-offs | 110.7143% | 1,881 |
| Earnings coverage of net charge-offs (x) | 33.5969% | 1,385 |
| Efficiency ratio | 56.6405% | 4,751 |
| Assets per employee ($millions) | 4.2391% | 3,540 |
| Cash dividends to net income (ytd only)* | 21.3568% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 1,074 |
| Loan loss allowance to noncurrent loans | 1,801.1673% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 4,761 |
| Noncurrent loans to loans | 0.0940% | 4,747 |
| Net loans and leases to total assets | 81.8275% | 690 |
| Net loans and leases to deposits | 97.2204% | 968 |
| Net loans and leases to core deposits | 103.4302% | 1,398 |
| Total domestic deposits to total assets | 84.1670% | 3,135 |
| Equity capital to assets | 11.6960% | 2,157 |
| Core capital (leverage) ratio | 11.1348% | 2,284 |
| Tier 1 risk-based capital ratio | 12.3128% | 4,417 |
| Total risk-based capital ratio | 13.8910% | 4,132 |
| Memoranda: | ||
| Average total assets | $653,463,670 | 1,118 |
| Average earning assets | $614,666,670 | 1,104 |
| Average equity | $74,287,000 | 1,084 |
| Average total loans | $542,230,670 | 951 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,238 |
| Cost of funding earning assets | 0.4599% | 2,432 |
| Net interest margin | 3.7507% | 2,303 |
| Noninterest income to average assets | 1.0410% | 926 |
| Noninterest expense to average assets | 2.5694% | 3,590 |
| Loan and lease loss provision to assets | 0.0565% | 2,677 |
| Net operating income to assets | 1.9439% | 334 |
| Return on assets (ROA) | 1.9439% | 348 |
| Pretax return on assets | 1.9439% | 564 |
| Return on Equity (ROE) | 17.3521% | 386 |
| Retained earnings to average equity (ytd only) | 13.6264% | 324 |
| Net charge-offs to loans | 0.0556% | 1,775 |
| Credit loss provision to net charge-offs | 122.6667% | 1,371 |
| Earnings coverage of net charge-offs (x) | 43.4533% | 975 |
| Efficiency ratio | 56.2257% | 4,914 |
| Assets per employee ($millions) | 4.1843% | 3,691 |
| Cash dividends to net income (ytd only)* | 21.4714% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 1,118 |
| Loan loss allowance to noncurrent loans | 2,348.7310% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 4,643 |
| Noncurrent loans to loans | 0.0729% | 4,908 |
| Net loans and leases to total assets | 81.3753% | 639 |
| Net loans and leases to deposits | 95.1517% | 996 |
| Net loans and leases to core deposits | 102.4606% | 1,334 |
| Total domestic deposits to total assets | 85.5216% | 2,878 |
| Equity capital to assets | 11.4103% | 2,246 |
| Core capital (leverage) ratio | 10.9383% | 2,425 |
| Tier 1 risk-based capital ratio | 12.0899% | 4,657 |
| Total risk-based capital ratio | 13.6651% | 4,340 |
| Memoranda: | ||
| Average total assets | $651,665,500 | 1,122 |
| Average earning assets | $613,116,000 | 1,106 |
| Average equity | $73,005,500 | 1,091 |
| Average total loans | $539,889,000 | 950 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 2,503 |
| Cost of funding earning assets | 0.4589% | 2,455 |
| Net interest margin | 3.7362% | 2,550 |
| Noninterest income to average assets | 1.1614% | 844 |
| Noninterest expense to average assets | 2.7837% | 3,076 |
| Loan and lease loss provision to assets | 0.1990% | 1,171 |
| Net operating income to assets | 1.6913% | 557 |
| Return on assets (ROA) | 1.6913% | 582 |
| Pretax return on assets | 1.6913% | 1,020 |
| Return on Equity (ROE) | 15.0826% | 617 |
| Retained earnings to average equity (ytd only) | 5.6875% | 1,892 |
| Net charge-offs to loans | 0.1075% | 2,195 |
| Credit loss provision to net charge-offs | 224.5989% | 1,279 |
| Earnings coverage of net charge-offs (x) | 21.3387% | 1,792 |
| Efficiency ratio | 59.5574% | 4,653 |
| Assets per employee ($millions) | 4.1704% | 3,665 |
| Cash dividends to net income (ytd only)* | 62.2911% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 1,117 |
| Loan loss allowance to noncurrent loans | 1,892.8279% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 4,748 |
| Noncurrent loans to loans | 0.0905% | 4,876 |
| Net loans and leases to total assets | 81.4825% | 670 |
| Net loans and leases to deposits | 94.9304% | 1,099 |
| Net loans and leases to core deposits | 102.6899% | 1,392 |
| Total domestic deposits to total assets | 85.8340% | 2,661 |
| Equity capital to assets | 10.9949% | 2,629 |
| Core capital (leverage) ratio | 10.5752% | 2,804 |
| Tier 1 risk-based capital ratio | 11.7569% | 4,888 |
| Total risk-based capital ratio | 13.3304% | 4,551 |
| Memoranda: | ||
| Average total assets | $633,303,400 | 1,117 |
| Average earning assets | $595,386,400 | 1,096 |
| Average equity | $71,015,800 | 1,110 |
| Average total loans | $521,704,800 | 940 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 2,564 |
| Cost of funding earning assets | 0.4560% | 2,496 |
| Net interest margin | 3.7269% | 2,609 |
| Noninterest income to average assets | 1.1330% | 896 |
| Noninterest expense to average assets | 2.6896% | 3,378 |
| Loan and lease loss provision to assets | 0.1706% | 1,332 |
| Net operating income to assets | 1.7757% | 511 |
| Return on assets (ROA) | 1.7757% | 539 |
| Pretax return on assets | 1.7757% | 937 |
| Return on Equity (ROE) | 15.7561% | 575 |
| Retained earnings to average equity (ytd only) | 12.0094% | 304 |
| Net charge-offs to loans | 0.0704% | 2,309 |
| Credit loss provision to net charge-offs | 294.8718% | 1,052 |
| Earnings coverage of net charge-offs (x) | 33.6338% | 1,385 |
| Efficiency ratio | 58.0155% | 4,809 |
| Assets per employee ($millions) | 4.2028% | 3,585 |
| Cash dividends to net income (ytd only)* | 23.7794% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 1,214 |
| Loan loss allowance to noncurrent loans | 2,533.5196% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,859 |
| Noncurrent loans to loans | 0.0673% | 5,078 |
| Net loans and leases to total assets | 79.2534% | 999 |
| Net loans and leases to deposits | 93.1084% | 1,356 |
| Net loans and leases to core deposits | 101.4216% | 1,525 |
| Total domestic deposits to total assets | 85.1195% | 2,745 |
| Equity capital to assets | 11.2267% | 2,769 |
| Core capital (leverage) ratio | 11.1326% | 2,329 |
| Tier 1 risk-based capital ratio | 12.4071% | 4,529 |
| Total risk-based capital ratio | 13.9182% | 4,267 |
| Memoranda: | ||
| Average total assets | $628,982,750 | 1,125 |
| Average earning assets | $591,185,500 | 1,106 |
| Average equity | $70,887,000 | 1,110 |
| Average total loans | $517,293,250 | 948 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 2,576 |
| Cost of funding earning assets | 0.4541% | 2,533 |
| Net interest margin | 3.7239% | 2,600 |
| Noninterest income to average assets | 1.1586% | 837 |
| Noninterest expense to average assets | 2.7354% | 3,251 |
| Loan and lease loss provision to assets | 0.1632% | 1,384 |
| Net operating income to assets | 1.7644% | 510 |
| Return on assets (ROA) | 1.7644% | 542 |
| Pretax return on assets | 1.7644% | 950 |
| Return on Equity (ROE) | 15.6337% | 589 |
| Retained earnings to average equity (ytd only) | 11.8757% | 343 |
| Net charge-offs to loans | 0.0757% | 2,105 |
| Credit loss provision to net charge-offs | 260.3093% | 1,071 |
| Earnings coverage of net charge-offs (x) | 30.7371% | 1,375 |
| Efficiency ratio | 58.6620% | 4,815 |
| Assets per employee ($millions) | 3.9888% | 3,927 |
| Cash dividends to net income (ytd only)* | 24.0381% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 1,292 |
| Loan loss allowance to noncurrent loans | 1,523.0637% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 4,817 |
| Noncurrent loans to loans | 0.1110% | 4,999 |
| Net loans and leases to total assets | 81.6640% | 664 |
| Net loans and leases to deposits | 94.6953% | 1,218 |
| Net loans and leases to core deposits | 102.2571% | 1,452 |
| Total domestic deposits to total assets | 86.2387% | 2,306 |
| Equity capital to assets | 11.4108% | 2,631 |
| Core capital (leverage) ratio | 11.0466% | 2,388 |
| Tier 1 risk-based capital ratio | 12.3479% | 4,618 |
| Total risk-based capital ratio | 13.8459% | 4,364 |
| Memoranda: | ||
| Average total assets | $618,697,670 | 1,140 |
| Average earning assets | $582,239,670 | 1,123 |
| Average equity | $69,823,330 | 1,131 |
| Average total loans | $512,386,330 | 955 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 2,343 |
| Cost of funding earning assets | 0.4486% | 2,602 |
| Net interest margin | 3.7873% | 2,338 |
| Noninterest income to average assets | 1.0044% | 1,066 |
| Noninterest expense to average assets | 2.6900% | 3,450 |
| Loan and lease loss provision to assets | 0.1370% | 1,528 |
| Net operating income to assets | 1.7366% | 527 |
| Return on assets (ROA) | 1.7366% | 563 |
| Pretax return on assets | 1.7366% | 975 |
| Return on Equity (ROE) | 15.4759% | 606 |
| Retained earnings to average equity (ytd only) | 11.6607% | 553 |
| Net charge-offs to loans | 0.0197% | 2,543 |
| Credit loss provision to net charge-offs | 840.0000% | 419 |
| Earnings coverage of net charge-offs (x) | 114.8400% | 489 |
| Efficiency ratio | 58.9447% | 4,880 |
| Assets per employee ($millions) | 3.9180% | 4,093 |
| Cash dividends to net income (ytd only)* | 24.6524% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 1,333 |
| Loan loss allowance to noncurrent loans | 1,501.3769% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 4,924 |
| Noncurrent loans to loans | 0.1140% | 5,019 |
| Net loans and leases to total assets | 81.4564% | 636 |
| Net loans and leases to deposits | 93.4689% | 1,197 |
| Net loans and leases to core deposits | 100.5785% | 1,441 |
| Total domestic deposits to total assets | 87.1482% | 2,133 |
| Equity capital to assets | 11.3188% | 2,606 |
| Core capital (leverage) ratio | 10.8971% | 2,508 |
| Tier 1 risk-based capital ratio | 12.2361% | 4,764 |
| Total risk-based capital ratio | 13.7387% | 4,492 |
| Memoranda: | ||
| Average total assets | $612,931,500 | 1,152 |
| Average earning assets | $576,038,000 | 1,131 |
| Average equity | $68,778,000 | 1,144 |
| Average total loans | $506,819,500 | 968 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 2,290 |
| Cost of funding earning assets | 0.4263% | 2,881 |
| Net interest margin | 3.8494% | 2,201 |
| Noninterest income to average assets | 1.1157% | 945 |
| Noninterest expense to average assets | 2.8234% | 3,137 |
| Loan and lease loss provision to assets | 0.2812% | 641 |
| Net operating income to assets | 1.6295% | 661 |
| Return on assets (ROA) | 1.6295% | 680 |
| Pretax return on assets | 1.6295% | 1,171 |
| Return on Equity (ROE) | 14.3989% | 785 |
| Retained earnings to average equity (ytd only) | 6.1983% | 1,704 |
| Net charge-offs to loans | 0.2130% | 1,380 |
| Credit loss provision to net charge-offs | 161.1810% | 1,673 |
| Earnings coverage of net charge-offs (x) | 10.9535% | 2,643 |
| Efficiency ratio | 59.6397% | 4,956 |
| Assets per employee ($millions) | 3.8655% | 4,186 |
| Cash dividends to net income (ytd only)* | 56.9534% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 1,360 |
| Loan loss allowance to noncurrent loans | 5,403.7975% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 5,223 |
| Noncurrent loans to loans | 0.0314% | 5,384 |
| Net loans and leases to total assets | 81.1017% | 695 |
| Net loans and leases to deposits | 93.5214% | 1,247 |
| Net loans and leases to core deposits | 100.7918% | 1,453 |
| Total domestic deposits to total assets | 86.7200% | 2,263 |
| Equity capital to assets | 11.1228% | 2,710 |
| Core capital (leverage) ratio | 10.7270% | 2,684 |
| Tier 1 risk-based capital ratio | 11.9891% | 4,956 |
| Total risk-based capital ratio | 13.5119% | 4,682 |
| Memoranda: | ||
| Average total assets | $592,192,000 | 1,152 |
| Average earning assets | $556,656,000 | 1,135 |
| Average equity | $67,018,800 | 1,132 |
| Average total loans | $484,900,000 | 961 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2478% | 2,413 |
| Cost of funding earning assets | 0.4212% | 2,999 |
| Net interest margin | 3.8265% | 2,281 |
| Noninterest income to average assets | 1.0659% | 1,056 |
| Noninterest expense to average assets | 2.6856% | 3,612 |
| Loan and lease loss provision to assets | 0.2349% | 768 |
| Net operating income to assets | 1.7448% | 572 |
| Return on assets (ROA) | 1.7448% | 595 |
| Pretax return on assets | 1.7448% | 1,004 |
| Return on Equity (ROE) | 15.3491% | 683 |
| Retained earnings to average equity (ytd only) | 11.4045% | 427 |
| Net charge-offs to loans | 0.2044% | 1,267 |
| Credit loss provision to net charge-offs | 140.6250% | 1,767 |
| Earnings coverage of net charge-offs (x) | 11.8532% | 2,455 |
| Efficiency ratio | 57.5660% | 5,172 |
| Assets per employee ($millions) | 3.7464% | 4,365 |
| Cash dividends to net income (ytd only)* | 25.6991% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 1,617 |
| Loan loss allowance to noncurrent loans | 761.1317% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 4,841 |
| Noncurrent loans to loans | 0.2165% | 4,788 |
| Net loans and leases to total assets | 82.2098% | 554 |
| Net loans and leases to deposits | 94.6696% | 1,121 |
| Net loans and leases to core deposits | 100.9968% | 1,442 |
| Total domestic deposits to total assets | 86.8386% | 2,121 |
| Equity capital to assets | 11.6527% | 2,377 |
| Core capital (leverage) ratio | 11.1954% | 2,309 |
| Tier 1 risk-based capital ratio | 12.4426% | 4,800 |
| Total risk-based capital ratio | 13.9526% | 4,521 |
| Memoranda: | ||
| Average total assets | $587,554,000 | 1,166 |
| Average earning assets | $552,686,500 | 1,146 |
| Average equity | $66,790,500 | 1,139 |
| Average total loans | $480,159,500 | 971 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,451 |
| Cost of funding earning assets | 0.4137% | 3,114 |
| Net interest margin | 3.8117% | 2,266 |
| Noninterest income to average assets | 1.0840% | 1,019 |
| Noninterest expense to average assets | 2.6790% | 3,659 |
| Loan and lease loss provision to assets | 0.1812% | 1,126 |
| Net operating income to assets | 1.8066% | 510 |
| Return on assets (ROA) | 1.8066% | 529 |
| Pretax return on assets | 1.8066% | 886 |
| Return on Equity (ROE) | 16.0294% | 607 |
| Retained earnings to average equity (ytd only) | 12.0243% | 395 |
| Net charge-offs to loans | 0.1050% | 1,954 |
| Credit loss provision to net charge-offs | 212.8514% | 1,170 |
| Earnings coverage of net charge-offs (x) | 23.3454% | 1,610 |
| Efficiency ratio | 57.4046% | 5,293 |
| Assets per employee ($millions) | 3.7031% | 4,420 |
| Cash dividends to net income (ytd only)* | 24.9858% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 1,670 |
| Loan loss allowance to noncurrent loans | 746.9891% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,917 |
| Noncurrent loans to loans | 0.2246% | 4,883 |
| Net loans and leases to total assets | 81.4880% | 607 |
| Net loans and leases to deposits | 93.8085% | 1,170 |
| Net loans and leases to core deposits | 98.2808% | 1,629 |
| Total domestic deposits to total assets | 86.8663% | 2,237 |
| Equity capital to assets | 11.5221% | 2,394 |
| Core capital (leverage) ratio | 10.9980% | 2,420 |
| Tier 1 risk-based capital ratio | 12.3977% | 4,878 |
| Total risk-based capital ratio | 13.9371% | 4,617 |
| Memoranda: | ||
| Average total assets | $584,845,000 | 1,174 |
| Average earning assets | $549,733,000 | 1,151 |
| Average equity | $65,916,330 | 1,161 |
| Average total loans | $474,241,670 | 981 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 2,521 |
| Cost of funding earning assets | 0.4026% | 3,274 |
| Net interest margin | 3.7805% | 2,299 |
| Noninterest income to average assets | 0.9896% | 1,136 |
| Noninterest expense to average assets | 2.6091% | 3,890 |
| Loan and lease loss provision to assets | 0.2127% | 838 |
| Net operating income to assets | 1.7122% | 574 |
| Return on assets (ROA) | 1.7122% | 603 |
| Pretax return on assets | 1.7122% | 1,028 |
| Return on Equity (ROE) | 15.3647% | 657 |
| Retained earnings to average equity (ytd only) | 11.2757% | 677 |
| Net charge-offs to loans | 0.1806% | 1,207 |
| Credit loss provision to net charge-offs | 146.9194% | 1,269 |
| Earnings coverage of net charge-offs (x) | 13.2938% | 1,734 |
| Efficiency ratio | 57.5450% | 5,385 |
| Assets per employee ($millions) | 3.6822% | 4,547 |
| Cash dividends to net income (ytd only)* | 26.6132% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 1,716 |
| Loan loss allowance to noncurrent loans | 773.4300% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 5,095 |
| Noncurrent loans to loans | 0.2210% | 4,985 |
| Net loans and leases to total assets | 79.1297% | 782 |
| Net loans and leases to deposits | 90.6535% | 1,328 |
| Net loans and leases to core deposits | 94.4647% | 1,727 |
| Total domestic deposits to total assets | 87.2881% | 2,219 |
| Equity capital to assets | 11.2978% | 2,648 |
| Core capital (leverage) ratio | 10.6848% | 2,762 |
| Tier 1 risk-based capital ratio | 11.5258% | 5,547 |
| Total risk-based capital ratio | 12.7788% | 5,457 |
| Memoranda: | ||
| Average total assets | $582,872,500 | 1,184 |
| Average earning assets | $546,492,500 | 1,160 |
| Average equity | $64,954,000 | 1,180 |
| Average total loans | $467,372,500 | 990 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 3,015 |
| Cost of funding earning assets | 0.3835% | 3,866 |
| Net interest margin | 3.7956% | 2,635 |
| Noninterest income to average assets | 1.1249% | 964 |
| Noninterest expense to average assets | 2.8429% | 3,332 |
| Loan and lease loss provision to assets | 0.3207% | 619 |
| Net operating income to assets | 1.5040% | 870 |
| Return on assets (ROA) | 1.5040% | 907 |
| Pretax return on assets | 1.5040% | 1,524 |
| Return on Equity (ROE) | 13.7085% | 991 |
| Retained earnings to average equity (ytd only) | 5.2033% | 2,465 |
| Net charge-offs to loans | 0.2128% | 1,964 |
| Credit loss provision to net charge-offs | 196.6951% | 1,256 |
| Earnings coverage of net charge-offs (x) | 11.1908% | 2,530 |
| Efficiency ratio | 60.9065% | 5,087 |
| Assets per employee ($millions) | 3.7194% | 4,490 |
| Cash dividends to net income (ytd only)* | 62.0435% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 1,783 |
| Loan loss allowance to noncurrent loans | 709.6948% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 4,677 |
| Noncurrent loans to loans | 0.2389% | 4,975 |
| Net loans and leases to total assets | 78.5104% | 940 |
| Net loans and leases to deposits | 91.8029% | 1,307 |
| Net loans and leases to core deposits | 95.2518% | 1,784 |
| Total domestic deposits to total assets | 85.5206% | 3,071 |
| Equity capital to assets | 10.9903% | 2,901 |
| Core capital (leverage) ratio | 10.4820% | 2,967 |
| Tier 1 risk-based capital ratio | 13.2094% | 4,580 |
| Total risk-based capital ratio | 14.7911% | 4,324 |
| Memoranda: | ||
| Average total assets | $575,252,200 | 1,148 |
| Average earning assets | $536,938,600 | 1,126 |
| Average equity | $63,114,200 | 1,157 |
| Average total loans | $440,755,000 | 1,000 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 3,208 |
| Cost of funding earning assets | 0.3793% | 4,029 |
| Net interest margin | 3.7611% | 2,769 |
| Noninterest income to average assets | 1.0928% | 1,022 |
| Noninterest expense to average assets | 2.7609% | 3,602 |
| Loan and lease loss provision to assets | 0.2569% | 833 |
| Net operating income to assets | 1.5844% | 781 |
| Return on assets (ROA) | 1.5844% | 808 |
| Pretax return on assets | 1.5844% | 1,372 |
| Return on Equity (ROE) | 14.4471% | 907 |
| Retained earnings to average equity (ytd only) | 10.2721% | 638 |
| Net charge-offs to loans | 0.1495% | 2,292 |
| Credit loss provision to net charge-offs | 226.6940% | 1,148 |
| Earnings coverage of net charge-offs (x) | 16.2504% | 1,991 |
| Efficiency ratio | 59.9919% | 5,180 |
| Assets per employee ($millions) | 3.7496% | 4,397 |
| Cash dividends to net income (ytd only)* | 28.8986% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 2,038 |
| Loan loss allowance to noncurrent loans | 393.7952% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 4,138 |
| Noncurrent loans to loans | 0.4264% | 4,627 |
| Net loans and leases to total assets | 76.2416% | 1,187 |
| Net loans and leases to deposits | 91.8412% | 1,245 |
| Net loans and leases to core deposits | 94.5847% | 1,796 |
| Total domestic deposits to total assets | 83.0146% | 4,145 |
| Equity capital to assets | 11.2243% | 2,731 |
| Core capital (leverage) ratio | 10.6235% | 2,898 |
| Tier 1 risk-based capital ratio | 13.8558% | 4,317 |
| Total risk-based capital ratio | 15.4172% | 4,029 |
| Memoranda: | ||
| Average total assets | $573,077,250 | 1,159 |
| Average earning assets | $534,721,500 | 1,142 |
| Average equity | $62,848,250 | 1,171 |
| Average total loans | $434,351,500 | 1,017 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,502 |
| Cost of funding earning assets | 0.3851% | 4,050 |
| Net interest margin | 3.6757% | 3,046 |
| Noninterest income to average assets | 1.0209% | 1,143 |
| Noninterest expense to average assets | 2.7660% | 3,636 |
| Loan and lease loss provision to assets | 0.2604% | 815 |
| Net operating income to assets | 1.4292% | 1,002 |
| Return on assets (ROA) | 1.4292% | 1,041 |
| Pretax return on assets | 1.4292% | 1,789 |
| Return on Equity (ROE) | 13.1379% | 1,137 |
| Retained earnings to average equity (ytd only) | 8.8996% | 1,024 |
| Net charge-offs to loans | 0.1711% | 2,027 |
| Credit loss provision to net charge-offs | 202.4590% | 1,154 |
| Earnings coverage of net charge-offs (x) | 13.1366% | 1,997 |
| Efficiency ratio | 62.0790% | 4,994 |
| Assets per employee ($millions) | 3.7470% | 4,355 |
| Cash dividends to net income (ytd only)* | 32.2597% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 2,353 |
| Loan loss allowance to noncurrent loans | 3,034.5679% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 5,130 |
| Noncurrent loans to loans | 0.0538% | 5,881 |
| Net loans and leases to total assets | 75.9903% | 1,170 |
| Net loans and leases to deposits | 91.8000% | 1,173 |
| Net loans and leases to core deposits | 94.0741% | 1,768 |
| Total domestic deposits to total assets | 82.7782% | 4,390 |
| Equity capital to assets | 10.8783% | 3,001 |
| Core capital (leverage) ratio | 10.4972% | 2,955 |
| Tier 1 risk-based capital ratio | 13.4405% | 4,624 |
| Total risk-based capital ratio | 15.0052% | 4,361 |
| Memoranda: | ||
| Average total assets | $569,123,670 | 1,162 |
| Average earning assets | $531,821,330 | 1,147 |
| Average equity | $61,912,670 | 1,177 |
| Average total loans | $427,941,330 | 1,025 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 3,659 |
| Cost of funding earning assets | 0.4057% | 3,897 |
| Net interest margin | 3.6001% | 3,242 |
| Noninterest income to average assets | 0.9547% | 1,247 |
| Noninterest expense to average assets | 2.8741% | 3,302 |
| Loan and lease loss provision to assets | 0.2365% | 935 |
| Net operating income to assets | 1.2077% | 1,465 |
| Return on assets (ROA) | 1.2077% | 1,530 |
| Pretax return on assets | 1.2077% | 2,461 |
| Return on Equity (ROE) | 11.1010% | 1,651 |
| Retained earnings to average equity (ytd only) | 6.8047% | 2,144 |
| Net charge-offs to loans | 0.2740% | 1,250 |
| Credit loss provision to net charge-offs | 116.4912% | 1,489 |
| Earnings coverage of net charge-offs (x) | 7.1123% | 2,154 |
| Efficiency ratio | 66.5567% | 4,437 |
| Assets per employee ($millions) | 3.6013% | 4,715 |
| Cash dividends to net income (ytd only)* | 38.7021% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 2,487 |
| Loan loss allowance to noncurrent loans | 2,580.9524% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 5,090 |
| Noncurrent loans to loans | 0.0642% | 5,957 |
| Net loans and leases to total assets | 73.9946% | 1,269 |
| Net loans and leases to deposits | 85.2180% | 1,703 |
| Net loans and leases to core deposits | 87.2910% | 2,165 |
| Total domestic deposits to total assets | 86.8298% | 2,921 |
| Equity capital to assets | 10.9198% | 2,796 |
| Core capital (leverage) ratio | 10.2939% | 3,179 |
| Tier 1 risk-based capital ratio | 13.6805% | 4,552 |
| Total risk-based capital ratio | 15.2663% | 4,261 |
| Memoranda: | ||
| Average total assets | $561,420,000 | 1,191 |
| Average earning assets | $524,542,500 | 1,167 |
| Average equity | $61,075,500 | 1,189 |
| Average total loans | $416,131,500 | 1,054 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,215 |
| Cost of funding earning assets | 0.5094% | 3,508 |
| Net interest margin | 3.7257% | 2,955 |
| Noninterest income to average assets | 1.0977% | 1,163 |
| Noninterest expense to average assets | 2.8812% | 3,427 |
| Loan and lease loss provision to assets | 0.1419% | 2,537 |
| Net operating income to assets | 1.5475% | 758 |
| Return on assets (ROA) | 1.5475% | 788 |
| Pretax return on assets | 1.5475% | 1,306 |
| Return on Equity (ROE) | 14.2417% | 898 |
| Retained earnings to average equity (ytd only) | 7.3633% | 1,289 |
| Net charge-offs to loans | 0.4038% | 1,671 |
| Credit loss provision to net charge-offs | 48.4581% | 3,852 |
| Earnings coverage of net charge-offs (x) | 5.7697% | 3,220 |
| Efficiency ratio | 63.0382% | 5,054 |
| Assets per employee ($millions) | 3.5963% | 4,690 |
| Cash dividends to net income (ytd only)* | 48.2972% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 2,333 |
| Loan loss allowance to noncurrent loans | 593.1356% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 4,577 |
| Noncurrent loans to loans | 0.2900% | 5,319 |
| Net loans and leases to total assets | 71.7301% | 1,729 |
| Net loans and leases to deposits | 81.3450% | 2,273 |
| Net loans and leases to core deposits | 83.4989% | 2,722 |
| Total domestic deposits to total assets | 88.1801% | 2,068 |
| Equity capital to assets | 10.8372% | 2,779 |
| Core capital (leverage) ratio | 10.3474% | 3,097 |
| Tier 1 risk-based capital ratio | 13.7910% | 4,447 |
| Total risk-based capital ratio | 15.3656% | 4,165 |
| Memoranda: | ||
| Average total assets | $542,690,800 | 1,222 |
| Average earning assets | $505,868,200 | 1,202 |
| Average equity | $58,967,800 | 1,218 |
| Average total loans | $393,469,000 | 1,091 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 3,090 |
| Cost of funding earning assets | 0.5248% | 3,522 |
| Net interest margin | 3.7508% | 2,843 |
| Noninterest income to average assets | 1.1134% | 1,181 |
| Noninterest expense to average assets | 2.7487% | 3,837 |
| Loan and lease loss provision to assets | 0.0717% | 3,627 |
| Net operating income to assets | 1.7879% | 534 |
| Return on assets (ROA) | 1.7879% | 560 |
| Pretax return on assets | 1.7879% | 929 |
| Return on Equity (ROE) | 16.4435% | 592 |
| Retained earnings to average equity (ytd only) | 12.7308% | 361 |
| Net charge-offs to loans | 0.3257% | 1,913 |
| Credit loss provision to net charge-offs | 30.4302% | 3,887 |
| Earnings coverage of net charge-offs (x) | 7.8888% | 2,711 |
| Efficiency ratio | 59.6457% | 5,481 |
| Assets per employee ($millions) | 3.5581% | 4,737 |
| Cash dividends to net income (ytd only)* | 22.5789% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 2,299 |
| Loan loss allowance to noncurrent loans | 553.7926% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 4,169 |
| Noncurrent loans to loans | 0.3253% | 5,410 |
| Net loans and leases to total assets | 70.7198% | 1,833 |
| Net loans and leases to deposits | 80.6935% | 2,308 |
| Net loans and leases to core deposits | 82.8791% | 2,777 |
| Total domestic deposits to total assets | 87.6400% | 2,337 |
| Equity capital to assets | 11.1315% | 2,634 |
| Core capital (leverage) ratio | 10.6676% | 2,821 |
| Tier 1 risk-based capital ratio | 14.3561% | 4,179 |
| Total risk-based capital ratio | 15.9006% | 3,930 |
| Memoranda: | ||
| Average total assets | $539,005,000 | 1,249 |
| Average earning assets | $502,240,250 | 1,225 |
| Average equity | $58,607,250 | 1,232 |
| Average total loans | $390,124,500 | 1,101 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 2,929 |
| Cost of funding earning assets | 0.5335% | 3,570 |
| Net interest margin | 3.7735% | 2,661 |
| Noninterest income to average assets | 1.1686% | 1,113 |
| Noninterest expense to average assets | 2.7758% | 3,759 |
| Loan and lease loss provision to assets | 0.1084% | 2,984 |
| Net operating income to assets | 1.7972% | 525 |
| Return on assets (ROA) | 1.7972% | 564 |
| Pretax return on assets | 1.7972% | 936 |
| Return on Equity (ROE) | 16.6645% | 583 |
| Retained earnings to average equity (ytd only) | 12.8920% | 395 |
| Net charge-offs to loans | 0.5116% | 1,283 |
| Credit loss provision to net charge-offs | 29.2339% | 3,604 |
| Earnings coverage of net charge-offs (x) | 5.1371% | 2,957 |
| Efficiency ratio | 59.2939% | 5,569 |
| Assets per employee ($millions) | 3.6064% | 4,609 |
| Cash dividends to net income (ytd only)* | 22.6384% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 2,328 |
| Loan loss allowance to noncurrent loans | 372.3705% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 4,230 |
| Noncurrent loans to loans | 0.4918% | 5,031 |
| Net loans and leases to total assets | 69.5894% | 1,952 |
| Net loans and leases to deposits | 78.8901% | 2,470 |
| Net loans and leases to core deposits | 81.0490% | 2,907 |
| Total domestic deposits to total assets | 88.2105% | 2,101 |
| Equity capital to assets | 10.7659% | 2,980 |
| Core capital (leverage) ratio | 10.4683% | 2,924 |
| Tier 1 risk-based capital ratio | 14.1937% | 4,296 |
| Total risk-based capital ratio | 15.7394% | 4,068 |
| Memoranda: | ||
| Average total assets | $534,838,000 | 1,254 |
| Average earning assets | $497,890,000 | 1,232 |
| Average equity | $57,679,330 | 1,258 |
| Average total loans | $387,773,000 | 1,100 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 2,653 |
| Cost of funding earning assets | 0.5546% | 3,527 |
| Net interest margin | 3.8070% | 2,423 |
| Noninterest income to average assets | 0.9921% | 1,482 |
| Noninterest expense to average assets | 2.7779% | 3,772 |
| Loan and lease loss provision to assets | 0.2196% | 1,689 |
| Net operating income to assets | 1.5245% | 815 |
| Return on assets (ROA) | 1.5245% | 890 |
| Pretax return on assets | 1.5245% | 1,503 |
| Return on Equity (ROE) | 14.1235% | 941 |
| Retained earnings to average equity (ytd only) | 10.3067% | 1,032 |
| Net charge-offs to loans | 0.6185% | 985 |
| Credit loss provision to net charge-offs | 48.4140% | 2,622 |
| Earnings coverage of net charge-offs (x) | 3.8447% | 2,661 |
| Efficiency ratio | 61.4302% | 5,385 |
| Assets per employee ($millions) | 3.5679% | 4,848 |
| Cash dividends to net income (ytd only)* | 27.0243% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 2,113 |
| Loan loss allowance to noncurrent loans | 415.7807% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 4,169 |
| Noncurrent loans to loans | 0.4745% | 5,235 |
| Net loans and leases to total assets | 69.2594% | 1,787 |
| Net loans and leases to deposits | 78.4897% | 2,275 |
| Net loans and leases to core deposits | 80.4428% | 2,753 |
| Total domestic deposits to total assets | 88.2401% | 2,167 |
| Equity capital to assets | 10.7186% | 3,299 |
| Core capital (leverage) ratio | 10.2569% | 3,069 |
| Tier 1 risk-based capital ratio | 13.9935% | 4,506 |
| Total risk-based capital ratio | 15.5169% | 4,284 |
| Memoranda: | ||
| Average total assets | $528,173,500 | 1,282 |
| Average earning assets | $489,727,500 | 1,266 |
| Average equity | $57,011,500 | 1,284 |
| Average total loans | $387,368,500 | 1,103 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 2,081 |
| Cost of funding earning assets | 0.6517% | 3,902 |
| Net interest margin | 4.1808% | 1,710 |
| Noninterest income to average assets | 1.1007% | 1,280 |
| Noninterest expense to average assets | 2.9580% | 3,439 |
| Loan and lease loss provision to assets | 0.6614% | 805 |
| Net operating income to assets | 1.3537% | 1,189 |
| Return on assets (ROA) | 1.3537% | 1,311 |
| Pretax return on assets | 1.3537% | 2,194 |
| Return on Equity (ROE) | 12.2555% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.0078% | 2,071 |
| Net charge-offs to loans | 0.6438% | 1,826 |
| Credit loss provision to net charge-offs | 134.5272% | 2,077 |
| Earnings coverage of net charge-offs (x) | 4.0986% | 3,481 |
| Efficiency ratio | 59.4788% | 5,621 |
| Assets per employee ($millions) | 3.4053% | 5,198 |
| Cash dividends to net income (ytd only)* | 50.9792% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9838% | 2,057 |
| Loan loss allowance to noncurrent loans | 200.3588% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 3,914 |
| Noncurrent loans to loans | 0.9901% | 4,212 |
| Net loans and leases to total assets | 74.6285% | 1,111 |
| Net loans and leases to deposits | 84.8232% | 1,658 |
| Net loans and leases to core deposits | 86.9198% | 2,199 |
| Total domestic deposits to total assets | 87.9813% | 2,248 |
| Equity capital to assets | 10.8727% | 3,102 |
| Core capital (leverage) ratio | 10.2688% | 3,052 |
| Tier 1 risk-based capital ratio | 13.3932% | 4,825 |
| Total risk-based capital ratio | 14.8992% | 4,587 |
| Memoranda: | ||
| Average total assets | $505,415,200 | 1,319 |
| Average earning assets | $468,143,200 | 1,305 |
| Average equity | $55,827,800 | 1,277 |
| Average total loans | $386,002,600 | 1,081 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 2,226 |
| Cost of funding earning assets | 0.6676% | 4,038 |
| Net interest margin | 4.1749% | 1,807 |
| Noninterest income to average assets | 1.1096% | 1,225 |
| Noninterest expense to average assets | 2.8961% | 3,613 |
| Loan and lease loss provision to assets | 0.2959% | 2,223 |
| Net operating income to assets | 1.7917% | 576 |
| Return on assets (ROA) | 1.7917% | 648 |
| Pretax return on assets | 1.7917% | 1,067 |
| Return on Equity (ROE) | 16.1555% | 726 |
| Retained earnings to average equity (ytd only) | 12.4415% | 459 |
| Net charge-offs to loans | 0.0674% | 4,743 |
| Credit loss provision to net charge-offs | 574.7423% | 456 |
| Earnings coverage of net charge-offs (x) | 40.5464% | 877 |
| Efficiency ratio | 58.1106% | 5,776 |
| Assets per employee ($millions) | 3.3470% | 5,326 |
| Cash dividends to net income (ytd only)* | 22.9892% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9968% | 2,175 |
| Loan loss allowance to noncurrent loans | 172.6396% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 4,256 |
| Noncurrent loans to loans | 1.1566% | 4,127 |
| Net loans and leases to total assets | 76.0307% | 974 |
| Net loans and leases to deposits | 86.9967% | 1,484 |
| Net loans and leases to core deposits | 88.2757% | 2,183 |
| Total domestic deposits to total assets | 87.3949% | 2,428 |
| Equity capital to assets | 11.4837% | 2,757 |
| Core capital (leverage) ratio | 11.0119% | 2,366 |
| Tier 1 risk-based capital ratio | 14.1377% | 4,430 |
| Total risk-based capital ratio | 15.6537% | 4,228 |
| Memoranda: | ||
| Average total assets | $502,369,000 | 1,342 |
| Average earning assets | $466,170,000 | 1,326 |
| Average equity | $55,715,500 | 1,284 |
| Average total loans | $383,979,500 | 1,102 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 2,460 |
| Cost of funding earning assets | 0.6877% | 4,119 |
| Net interest margin | 4.1226% | 2,000 |
| Noninterest income to average assets | 1.0127% | 1,433 |
| Noninterest expense to average assets | 2.8406% | 3,865 |
| Loan and lease loss provision to assets | 0.2699% | 2,427 |
| Net operating income to assets | 1.7252% | 641 |
| Return on assets (ROA) | 1.7252% | 719 |
| Pretax return on assets | 1.7252% | 1,195 |
| Return on Equity (ROE) | 15.7444% | 804 |
| Retained earnings to average equity (ytd only) | 12.0373% | 576 |
| Net charge-offs to loans | -0.0053% | 6,169 |
| Credit loss provision to net charge-offs | -6,750.0000% | 6,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7433% | 5,767 |
| Assets per employee ($millions) | 3.3231% | 5,396 |
| Cash dividends to net income (ytd only)* | 23.5458% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9961% | 2,244 |
| Loan loss allowance to noncurrent loans | 191.2685% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 4,235 |
| Noncurrent loans to loans | 1.0436% | 4,434 |
| Net loans and leases to total assets | 74.3112% | 1,206 |
| Net loans and leases to deposits | 84.6780% | 1,764 |
| Net loans and leases to core deposits | 86.0245% | 2,423 |
| Total domestic deposits to total assets | 87.7574% | 2,306 |
| Equity capital to assets | 11.1522% | 2,953 |
| Core capital (leverage) ratio | 10.5665% | 2,738 |
| Tier 1 risk-based capital ratio | 14.0042% | 4,446 |
| Total risk-based capital ratio | 15.5021% | 4,231 |
| Memoranda: | ||
| Average total assets | $500,243,330 | 1,352 |
| Average earning assets | $463,884,000 | 1,332 |
| Average equity | $54,813,000 | 1,294 |
| Average total loans | $380,411,330 | 1,107 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 2,716 |
| Cost of funding earning assets | 0.7173% | 4,133 |
| Net interest margin | 4.0623% | 2,244 |
| Noninterest income to average assets | 0.9811% | 1,476 |
| Noninterest expense to average assets | 2.8629% | 3,775 |
| Loan and lease loss provision to assets | 0.3455% | 1,811 |
| Net operating income to assets | 1.5315% | 973 |
| Return on assets (ROA) | 1.5315% | 1,093 |
| Pretax return on assets | 1.5315% | 1,794 |
| Return on Equity (ROE) | 14.1043% | 1,167 |
| Retained earnings to average equity (ytd only) | 10.6707% | 1,122 |
| Net charge-offs to loans | -0.2205% | 7,011 |
| Credit loss provision to net charge-offs | -205.7416% | 5,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4001% | 5,561 |
| Assets per employee ($millions) | 3.2999% | 5,566 |
| Cash dividends to net income (ytd only)* | 24.3442% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 2,254 |
| Loan loss allowance to noncurrent loans | 167.8966% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.3123% | 3,932 |
| Noncurrent loans to loans | 1.2118% | 4,307 |
| Net loans and leases to total assets | 71.9971% | 1,399 |
| Net loans and leases to deposits | 81.7371% | 1,970 |
| Net loans and leases to core deposits | 83.0216% | 2,684 |
| Total domestic deposits to total assets | 88.0838% | 2,259 |
| Equity capital to assets | 10.8111% | 3,133 |
| Core capital (leverage) ratio | 10.3412% | 2,939 |
| Tier 1 risk-based capital ratio | 13.9505% | 4,504 |
| Total risk-based capital ratio | 15.4858% | 4,261 |
| Memoranda: | ||
| Average total assets | $497,813,000 | 1,361 |
| Average earning assets | $460,622,500 | 1,348 |
| Average equity | $54,054,500 | 1,306 |
| Average total loans | $379,120,000 | 1,115 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 2,224 |
| Cost of funding earning assets | 0.8504% | 4,470 |
| Net interest margin | 4.3099% | 1,669 |
| Noninterest income to average assets | 1.1541% | 982 |
| Noninterest expense to average assets | 3.0131% | 3,545 |
| Loan and lease loss provision to assets | 0.5649% | 1,845 |
| Net operating income to assets | 1.5616% | 728 |
| Return on assets (ROA) | 1.5767% | 760 |
| Pretax return on assets | 1.5767% | 1,258 |
| Return on Equity (ROE) | 14.7340% | 792 |
| Retained earnings to average equity (ytd only) | 7.4143% | 1,309 |
| Net charge-offs to loans | 0.6512% | 2,522 |
| Credit loss provision to net charge-offs | 110.9533% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.1765% | 3,234 |
| Efficiency ratio | 58.6247% | 5,958 |
| Assets per employee ($millions) | 3.1246% | 5,857 |
| Cash dividends to net income (ytd only)* | 49.6790% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 2,843 |
| Loan loss allowance to noncurrent loans | 110.2312% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.8335% | 3,208 |
| Noncurrent loans to loans | 1.6410% | 3,704 |
| Net loans and leases to total assets | 77.5074% | 771 |
| Net loans and leases to deposits | 88.0656% | 1,371 |
| Net loans and leases to core deposits | 89.3505% | 2,216 |
| Total domestic deposits to total assets | 88.0109% | 2,145 |
| Equity capital to assets | 10.9077% | 3,069 |
| Core capital (leverage) ratio | 10.2582% | 3,015 |
| Tier 1 risk-based capital ratio | 13.1238% | 4,974 |
| Total risk-based capital ratio | 14.5757% | 4,801 |
| Memoranda: | ||
| Average total assets | $484,120,400 | 1,378 |
| Average earning assets | $447,694,200 | 1,353 |
| Average equity | $51,805,400 | 1,319 |
| Average total loans | $378,558,800 | 1,122 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 2,430 |
| Cost of funding earning assets | 0.8778% | 4,565 |
| Net interest margin | 4.2613% | 1,864 |
| Noninterest income to average assets | 1.0533% | 1,210 |
| Noninterest expense to average assets | 2.9080% | 3,899 |
| Loan and lease loss provision to assets | 0.4097% | 2,415 |
| Net operating income to assets | 1.6823% | 663 |
| Return on assets (ROA) | 1.6823% | 724 |
| Pretax return on assets | 1.6823% | 1,179 |
| Return on Equity (ROE) | 15.7981% | 709 |
| Retained earnings to average equity (ytd only) | 13.1245% | 367 |
| Net charge-offs to loans | 0.2246% | 4,034 |
| Credit loss provision to net charge-offs | 233.8583% | 1,214 |
| Earnings coverage of net charge-offs (x) | 11.9417% | 1,758 |
| Efficiency ratio | 58.1605% | 5,982 |
| Assets per employee ($millions) | 3.1773% | 5,733 |
| Cash dividends to net income (ytd only)* | 16.9236% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9691% | 2,420 |
| Loan loss allowance to noncurrent loans | 170.5111% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 3,936 |
| Noncurrent loans to loans | 1.1548% | 4,611 |
| Net loans and leases to total assets | 76.7177% | 877 |
| Net loans and leases to deposits | 87.0644% | 1,546 |
| Net loans and leases to core deposits | 88.8909% | 2,379 |
| Total domestic deposits to total assets | 88.1161% | 1,980 |
| Equity capital to assets | 11.1690% | 2,988 |
| Core capital (leverage) ratio | 10.7263% | 2,641 |
| Tier 1 risk-based capital ratio | 13.5176% | 4,721 |
| Total risk-based capital ratio | 14.9943% | 4,501 |
| Memoranda: | ||
| Average total assets | $483,291,750 | 1,384 |
| Average earning assets | $447,610,500 | 1,366 |
| Average equity | $51,464,750 | 1,327 |
| Average total loans | $377,009,000 | 1,139 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1713% | 2,374 |
| Cost of funding earning assets | 0.9182% | 4,530 |
| Net interest margin | 4.2531% | 1,832 |
| Noninterest income to average assets | 1.0189% | 1,277 |
| Noninterest expense to average assets | 2.8980% | 4,030 |
| Loan and lease loss provision to assets | 0.4197% | 2,336 |
| Net operating income to assets | 1.6393% | 683 |
| Return on assets (ROA) | 1.6393% | 725 |
| Pretax return on assets | 1.6393% | 1,182 |
| Return on Equity (ROE) | 15.6538% | 704 |
| Retained earnings to average equity (ytd only) | 12.9238% | 396 |
| Net charge-offs to loans | 0.1285% | 4,451 |
| Credit loss provision to net charge-offs | 419.0871% | 720 |
| Earnings coverage of net charge-offs (x) | 20.5602% | 1,186 |
| Efficiency ratio | 58.4626% | 6,102 |
| Assets per employee ($millions) | 3.0692% | 5,935 |
| Cash dividends to net income (ytd only)* | 17.4398% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 2,271 |
| Loan loss allowance to noncurrent loans | 163.4670% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4658% | 4,015 |
| Noncurrent loans to loans | 1.2455% | 4,578 |
| Net loans and leases to total assets | 75.4436% | 1,164 |
| Net loans and leases to deposits | 85.4583% | 1,867 |
| Net loans and leases to core deposits | 87.2254% | 2,734 |
| Total domestic deposits to total assets | 88.2812% | 1,972 |
| Equity capital to assets | 10.9993% | 2,953 |
| Core capital (leverage) ratio | 10.2206% | 3,009 |
| Tier 1 risk-based capital ratio | 13.6095% | 4,448 |
| Total risk-based capital ratio | 15.0965% | 4,244 |
| Memoranda: | ||
| Average total assets | $481,289,330 | 1,398 |
| Average earning assets | $445,653,330 | 1,372 |
| Average equity | $50,403,000 | 1,334 |
| Average total loans | $375,039,000 | 1,160 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1495% | 2,436 |
| Cost of funding earning assets | 0.9659% | 4,457 |
| Net interest margin | 4.1836% | 1,951 |
| Noninterest income to average assets | 0.9990% | 1,332 |
| Noninterest expense to average assets | 2.8872% | 4,118 |
| Loan and lease loss provision to assets | 0.4627% | 1,904 |
| Net operating income to assets | 1.5254% | 832 |
| Return on assets (ROA) | 1.5254% | 873 |
| Pretax return on assets | 1.5254% | 1,372 |
| Return on Equity (ROE) | 14.9348% | 830 |
| Retained earnings to average equity (ytd only) | 12.1517% | 719 |
| Net charge-offs to loans | 0.0380% | 4,578 |
| Credit loss provision to net charge-offs | 1,555.5556% | 249 |
| Earnings coverage of net charge-offs (x) | 66.8333% | 454 |
| Efficiency ratio | 59.2203% | 6,098 |
| Assets per employee ($millions) | 3.1757% | 5,775 |
| Cash dividends to net income (ytd only)* | 18.6349% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 2,590 |
| Loan loss allowance to noncurrent loans | 142.0079% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 3,970 |
| Noncurrent loans to loans | 1.3600% | 4,439 |
| Net loans and leases to total assets | 74.9036% | 1,202 |
| Net loans and leases to deposits | 84.1207% | 2,007 |
| Net loans and leases to core deposits | 85.8943% | 2,890 |
| Total domestic deposits to total assets | 89.0430% | 1,744 |
| Equity capital to assets | 10.2687% | 3,445 |
| Core capital (leverage) ratio | 9.7770% | 3,414 |
| Tier 1 risk-based capital ratio | 12.9627% | 4,853 |
| Total risk-based capital ratio | 14.4168% | 4,671 |
| Memoranda: | ||
| Average total assets | $484,073,500 | 1,395 |
| Average earning assets | $448,511,500 | 1,379 |
| Average equity | $49,441,500 | 1,350 |
| Average total loans | $379,378,500 | 1,162 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5727% | 1,997 |
| Cost of funding earning assets | 1.2788% | 4,025 |
| Net interest margin | 4.2939% | 1,836 |
| Noninterest income to average assets | 1.0978% | 1,234 |
| Noninterest expense to average assets | 3.0751% | 3,568 |
| Loan and lease loss provision to assets | 0.8894% | 1,841 |
| Net operating income to assets | 1.1215% | 1,636 |
| Return on assets (ROA) | 1.1215% | 1,719 |
| Pretax return on assets | 1.1215% | 2,501 |
| Return on Equity (ROE) | 11.3208% | 1,499 |
| Retained earnings to average equity (ytd only) | 6.5884% | 1,513 |
| Net charge-offs to loans | 1.1858% | 1,879 |
| Credit loss provision to net charge-offs | 90.8133% | 5,094 |
| Earnings coverage of net charge-offs (x) | 2.0533% | 4,190 |
| Efficiency ratio | 60.4617% | 5,978 |
| Assets per employee ($millions) | 3.1313% | 5,818 |
| Cash dividends to net income (ytd only)* | 41.8031% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 3,082 |
| Loan loss allowance to noncurrent loans | 149.8320% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 1.4553% | 4,147 |
| Noncurrent loans to loans | 1.1591% | 4,787 |
| Net loans and leases to total assets | 79.0105% | 797 |
| Net loans and leases to deposits | 88.7264% | 1,688 |
| Net loans and leases to core deposits | 90.5507% | 2,684 |
| Total domestic deposits to total assets | 89.0496% | 1,626 |
| Equity capital to assets | 10.1574% | 3,551 |
| Core capital (leverage) ratio | 9.6520% | 3,484 |
| Tier 1 risk-based capital ratio | 12.3261% | 5,184 |
| Total risk-based capital ratio | 13.8012% | 4,966 |
| Memoranda: | ||
| Average total assets | $484,598,400 | 1,382 |
| Average earning assets | $450,107,800 | 1,356 |
| Average equity | $48,008,800 | 1,394 |
| Average total loans | $400,240,000 | 1,128 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5804% | 2,142 |
| Cost of funding earning assets | 1.3255% | 4,070 |
| Net interest margin | 4.2549% | 2,016 |
| Noninterest income to average assets | 1.0025% | 1,460 |
| Noninterest expense to average assets | 2.8994% | 4,093 |
| Loan and lease loss provision to assets | 0.7545% | 2,032 |
| Net operating income to assets | 1.3046% | 1,329 |
| Return on assets (ROA) | 1.3046% | 1,397 |
| Pretax return on assets | 1.3046% | 2,155 |
| Return on Equity (ROE) | 13.2507% | 1,197 |
| Retained earnings to average equity (ytd only) | 9.2602% | 976 |
| Net charge-offs to loans | 1.2422% | 1,642 |
| Credit loss provision to net charge-offs | 73.0606% | 5,340 |
| Earnings coverage of net charge-offs (x) | 1.9939% | 4,221 |
| Efficiency ratio | 58.4740% | 6,191 |
| Assets per employee ($millions) | 3.0879% | 5,943 |
| Cash dividends to net income (ytd only)* | 30.1157% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 3,818 |
| Loan loss allowance to noncurrent loans | 124.6584% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.4529% | 4,271 |
| Noncurrent loans to loans | 1.2291% | 4,794 |
| Net loans and leases to total assets | 82.0706% | 486 |
| Net loans and leases to deposits | 91.7637% | 1,479 |
| Net loans and leases to core deposits | 93.8088% | 2,549 |
| Total domestic deposits to total assets | 89.4369% | 1,154 |
| Equity capital to assets | 10.2472% | 3,822 |
| Core capital (leverage) ratio | 9.6393% | 3,694 |
| Tier 1 risk-based capital ratio | 11.9736% | 5,484 |
| Total risk-based capital ratio | 13.3953% | 5,286 |
| Memoranda: | ||
| Average total assets | $485,976,000 | 1,398 |
| Average earning assets | $451,829,250 | 1,370 |
| Average equity | $47,845,250 | 1,411 |
| Average total loans | $403,995,000 | 1,128 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 2,366 |
| Cost of funding earning assets | 1.3563% | 4,154 |
| Net interest margin | 4.1845% | 2,201 |
| Noninterest income to average assets | 0.9836% | 1,426 |
| Noninterest expense to average assets | 2.8410% | 4,311 |
| Loan and lease loss provision to assets | 0.4709% | 2,961 |
| Net operating income to assets | 1.5654% | 791 |
| Return on assets (ROA) | 1.5654% | 844 |
| Pretax return on assets | 1.5654% | 1,392 |
| Return on Equity (ROE) | 16.1155% | 680 |
| Retained earnings to average equity (ytd only) | 12.1024% | 473 |
| Net charge-offs to loans | 0.7183% | 2,424 |
| Credit loss provision to net charge-offs | 78.9293% | 4,736 |
| Earnings coverage of net charge-offs (x) | 3.4132% | 3,336 |
| Efficiency ratio | 58.2487% | 6,347 |
| Assets per employee ($millions) | 3.1551% | 5,775 |
| Cash dividends to net income (ytd only)* | 24.9019% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 3,091 |
| Loan loss allowance to noncurrent loans | 93.2704% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 3,578 |
| Noncurrent loans to loans | 1.8210% | 3,974 |
| Net loans and leases to total assets | 81.2251% | 639 |
| Net loans and leases to deposits | 90.5743% | 1,758 |
| Net loans and leases to core deposits | 92.6783% | 2,891 |
| Total domestic deposits to total assets | 89.6779% | 1,082 |
| Equity capital to assets | 10.0381% | 3,975 |
| Core capital (leverage) ratio | 9.4706% | 3,862 |
| Tier 1 risk-based capital ratio | 11.8096% | 5,488 |
| Total risk-based capital ratio | 13.2774% | 5,249 |
| Memoranda: | ||
| Average total assets | $488,425,330 | 1,399 |
| Average earning assets | $454,486,000 | 1,367 |
| Average equity | $47,445,000 | 1,416 |
| Average total loans | $405,685,000 | 1,135 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 1,991 |
| Cost of funding earning assets | 1.4232% | 4,028 |
| Net interest margin | 4.2163% | 1,970 |
| Noninterest income to average assets | 0.9761% | 1,373 |
| Noninterest expense to average assets | 2.8156% | 4,433 |
| Loan and lease loss provision to assets | 0.3676% | 3,162 |
| Net operating income to assets | 1.7301% | 577 |
| Return on assets (ROA) | 1.7301% | 632 |
| Pretax return on assets | 1.7301% | 1,001 |
| Return on Equity (ROE) | 18.1101% | 507 |
| Retained earnings to average equity (ytd only) | 14.0400% | 504 |
| Net charge-offs to loans | 0.8858% | 1,790 |
| Credit loss provision to net charge-offs | 49.8339% | 4,492 |
| Earnings coverage of net charge-offs (x) | 2.8439% | 3,127 |
| Efficiency ratio | 57.3067% | 6,589 |
| Assets per employee ($millions) | 3.1238% | 5,939 |
| Cash dividends to net income (ytd only)* | 22.4740% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 3,276 |
| Loan loss allowance to noncurrent loans | 108.3807% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.4860% | 4,282 |
| Noncurrent loans to loans | 1.5171% | 4,472 |
| Net loans and leases to total assets | 82.4387% | 538 |
| Net loans and leases to deposits | 91.7546% | 1,645 |
| Net loans and leases to core deposits | 93.7398% | 2,872 |
| Total domestic deposits to total assets | 89.8469% | 1,070 |
| Equity capital to assets | 9.8389% | 4,066 |
| Core capital (leverage) ratio | 9.1192% | 4,337 |
| Tier 1 risk-based capital ratio | 11.3618% | 5,803 |
| Total risk-based capital ratio | 12.8264% | 5,577 |
| Memoranda: | ||
| Average total assets | $489,693,500 | 1,426 |
| Average earning assets | $457,271,000 | 1,386 |
| Average equity | $46,780,500 | 1,441 |
| Average total loans | $407,786,000 | 1,156 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9902% | 1,913 |
| Cost of funding earning assets | 2.0186% | 2,879 |
| Net interest margin | 3.9715% | 2,979 |
| Noninterest income to average assets | 1.0111% | 1,534 |
| Noninterest expense to average assets | 2.8870% | 4,578 |
| Loan and lease loss provision to assets | 0.9428% | 2,389 |
| Net operating income to assets | 0.8704% | 2,279 |
| Return on assets (ROA) | 0.8704% | 2,341 |
| Pretax return on assets | 0.8704% | 3,014 |
| Return on Equity (ROE) | 9.7394% | 1,767 |
| Retained earnings to average equity (ytd only) | 6.1446% | 1,301 |
| Net charge-offs to loans | 0.7098% | 3,057 |
| Credit loss provision to net charge-offs | 157.3427% | 2,857 |
| Earnings coverage of net charge-offs (x) | 3.0260% | 3,563 |
| Efficiency ratio | 61.4222% | 6,256 |
| Assets per employee ($millions) | 3.1743% | 5,782 |
| Cash dividends to net income (ytd only)* | 36.9097% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 2,751 |
| Loan loss allowance to noncurrent loans | 103.0662% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4917% | 4,147 |
| Noncurrent loans to loans | 1.6874% | 4,116 |
| Net loans and leases to total assets | 81.3036% | 793 |
| Net loans and leases to deposits | 89.9980% | 2,219 |
| Net loans and leases to core deposits | 104.8043% | 3,472 |
| Total domestic deposits to total assets | 90.3394% | 815 |
| Equity capital to assets | 9.2735% | 4,734 |
| Core capital (leverage) ratio | 8.7996% | 4,770 |
| Tier 1 risk-based capital ratio | 10.9151% | 5,994 |
| Total risk-based capital ratio | 12.3486% | 5,782 |
| Memoranda: | ||
| Average total assets | $501,145,600 | 1,370 |
| Average earning assets | $465,514,200 | 1,353 |
| Average equity | $44,787,000 | 1,499 |
| Average total loans | $423,069,400 | 1,137 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0430% | 1,867 |
| Cost of funding earning assets | 2.1477% | 2,666 |
| Net interest margin | 3.8953% | 3,249 |
| Noninterest income to average assets | 1.0069% | 1,580 |
| Noninterest expense to average assets | 2.8221% | 4,807 |
| Loan and lease loss provision to assets | 0.3913% | 3,969 |
| Net operating income to assets | 1.4067% | 1,007 |
| Return on assets (ROA) | 1.4067% | 1,075 |
| Pretax return on assets | 1.4067% | 1,675 |
| Return on Equity (ROE) | 15.8876% | 672 |
| Retained earnings to average equity (ytd only) | 11.9090% | 351 |
| Net charge-offs to loans | 0.4440% | 3,460 |
| Credit loss provision to net charge-offs | 103.8732% | 4,898 |
| Earnings coverage of net charge-offs (x) | 4.7732% | 3,013 |
| Efficiency ratio | 61.0840% | 6,259 |
| Assets per employee ($millions) | 3.1309% | 5,829 |
| Cash dividends to net income (ytd only)* | 25.0424% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,433 |
| Loan loss allowance to noncurrent loans | 78.5129% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 3,908 |
| Noncurrent loans to loans | 1.6692% | 4,142 |
| Net loans and leases to total assets | 84.7091% | 462 |
| Net loans and leases to deposits | 94.3572% | 1,820 |
| Net loans and leases to core deposits | 109.2284% | 3,322 |
| Total domestic deposits to total assets | 89.7749% | 857 |
| Equity capital to assets | 9.7755% | 4,380 |
| Core capital (leverage) ratio | 9.0382% | 4,592 |
| Tier 1 risk-based capital ratio | 11.0282% | 5,924 |
| Total risk-based capital ratio | 12.4442% | 5,714 |
| Memoranda: | ||
| Average total assets | $502,632,500 | 1,384 |
| Average earning assets | $466,227,750 | 1,367 |
| Average equity | $44,503,250 | 1,526 |
| Average total loans | $426,401,750 | 1,140 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0322% | 2,046 |
| Cost of funding earning assets | 2.2577% | 2,539 |
| Net interest margin | 3.7745% | 3,655 |
| Noninterest income to average assets | 0.9024% | 1,980 |
| Noninterest expense to average assets | 2.7690% | 5,096 |
| Loan and lease loss provision to assets | 0.3540% | 3,803 |
| Net operating income to assets | 1.2761% | 1,286 |
| Return on assets (ROA) | 1.2761% | 1,371 |
| Pretax return on assets | 1.2761% | 2,092 |
| Return on Equity (ROE) | 14.9066% | 846 |
| Retained earnings to average equity (ytd only) | 9.5395% | 807 |
| Net charge-offs to loans | 0.3984% | 3,205 |
| Credit loss provision to net charge-offs | 105.1402% | 4,376 |
| Earnings coverage of net charge-offs (x) | 4.8411% | 2,986 |
| Efficiency ratio | 62.9438% | 6,093 |
| Assets per employee ($millions) | 3.2120% | 5,563 |
| Cash dividends to net income (ytd only)* | 36.0049% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,416 |
| Loan loss allowance to noncurrent loans | 497.9890% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 6,276 |
| Noncurrent loans to loans | 0.2563% | 6,877 |
| Net loans and leases to total assets | 84.1091% | 617 |
| Net loans and leases to deposits | 92.8389% | 2,309 |
| Net loans and leases to core deposits | 109.4058% | 3,443 |
| Total domestic deposits to total assets | 90.5969% | 593 |
| Equity capital to assets | 8.9090% | 5,441 |
| Core capital (leverage) ratio | 8.4110% | 5,599 |
| Tier 1 risk-based capital ratio | 10.1941% | 6,724 |
| Total risk-based capital ratio | 11.5596% | 6,521 |
| Memoranda: | ||
| Average total assets | $508,411,330 | 1,391 |
| Average earning assets | $471,008,000 | 1,376 |
| Average equity | $43,524,330 | 1,562 |
| Average total loans | $429,686,000 | 1,160 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0295% | 2,238 |
| Cost of funding earning assets | 2.3583% | 2,472 |
| Net interest margin | 3.6712% | 4,012 |
| Noninterest income to average assets | 0.8530% | 2,067 |
| Noninterest expense to average assets | 2.6379% | 5,286 |
| Loan and lease loss provision to assets | 0.3710% | 3,102 |
| Net operating income to assets | 1.2537% | 1,498 |
| Return on assets (ROA) | 1.2537% | 1,600 |
| Pretax return on assets | 1.2537% | 2,442 |
| Return on Equity (ROE) | 14.9419% | 985 |
| Retained earnings to average equity (ytd only) | 9.5051% | 1,336 |
| Net charge-offs to loans | 0.4194% | 2,431 |
| Credit loss provision to net charge-offs | 105.0885% | 3,609 |
| Earnings coverage of net charge-offs (x) | 4.6018% | 2,849 |
| Efficiency ratio | 61.8838% | 6,070 |
| Assets per employee ($millions) | 3.3171% | 5,285 |
| Cash dividends to net income (ytd only)* | 36.3863% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 4,310 |
| Loan loss allowance to noncurrent loans | 384.0764% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 5,841 |
| Noncurrent loans to loans | 0.3294% | 6,605 |
| Net loans and leases to total assets | 82.9179% | 862 |
| Net loans and leases to deposits | 90.9918% | 2,777 |
| Net loans and leases to core deposits | 108.1455% | 3,659 |
| Total domestic deposits to total assets | 91.1267% | 374 |
| Equity capital to assets | 8.4647% | 6,129 |
| Core capital (leverage) ratio | 8.1687% | 6,160 |
| Tier 1 risk-based capital ratio | 9.7780% | 7,167 |
| Total risk-based capital ratio | 11.1025% | 6,983 |
| Memoranda: | ||
| Average total assets | $512,083,500 | 1,389 |
| Average earning assets | $475,593,500 | 1,366 |
| Average equity | $42,966,500 | 1,590 |
| Average total loans | $431,083,500 | 1,169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5670% | 2,637 |
| Cost of funding earning assets | 2.7706% | 2,829 |
| Net interest margin | 3.7963% | 4,041 |
| Noninterest income to average assets | 1.0821% | 1,344 |
| Noninterest expense to average assets | 2.6614% | 5,409 |
| Loan and lease loss provision to assets | 0.4161% | 3,203 |
| Net operating income to assets | 1.5202% | 978 |
| Return on assets (ROA) | 1.5289% | 932 |
| Pretax return on assets | 1.5289% | 1,601 |
| Return on Equity (ROE) | 18.1462% | 512 |
| Retained earnings to average equity (ytd only) | 11.1543% | 307 |
| Net charge-offs to loans | 0.3773% | 2,954 |
| Credit loss provision to net charge-offs | 132.3953% | 4,022 |
| Earnings coverage of net charge-offs (x) | 6.1610% | 3,428 |
| Efficiency ratio | 57.8848% | 6,720 |
| Assets per employee ($millions) | 3.2084% | 5,462 |
| Cash dividends to net income (ytd only)* | 38.5309% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 4,168 |
| Loan loss allowance to noncurrent loans | 428.8889% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 5,909 |
| Noncurrent loans to loans | 0.2909% | 6,505 |
| Net loans and leases to total assets | 83.3305% | 989 |
| Net loans and leases to deposits | 97.0306% | 2,287 |
| Net loans and leases to core deposits | 113.7671% | 3,368 |
| Total domestic deposits to total assets | 85.8807% | 2,460 |
| Equity capital to assets | 8.3167% | 6,399 |
| Core capital (leverage) ratio | 8.0817% | 6,353 |
| Tier 1 risk-based capital ratio | 9.4162% | 7,396 |
| Total risk-based capital ratio | 10.6664% | 7,311 |
| Memoranda: | ||
| Average total assets | $486,178,400 | 1,408 |
| Average earning assets | $450,223,800 | 1,381 |
| Average equity | $40,961,800 | 1,632 |
| Average total loans | $405,021,800 | 1,198 |