Home > Woodford State Bank > Performance and Condition Ratios
Woodford State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 2,782 |
| Cost of funding earning assets | 1.5187% | 1,897 |
| Net interest margin | 3.1345% | 3,018 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.4729% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7667% | 2,991 |
| Return on assets (ROA) | 0.7488% | 3,031 |
| Pretax return on assets | 0.7488% | 3,341 |
| Return on Equity (ROE) | 15.5400% | 1,187 |
| Retained earnings to average equity (ytd only) | 3.3579% | 3,180 |
| Net charge-offs to loans | 0.0746% | 1,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 15.0519% | 2,060 |
| Efficiency ratio | 74.8660% | 1,363 |
| Assets per employee ($millions) | 5.7463% | 3,025 |
| Cash dividends to net income (ytd only)* | 78.3871% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 4,205 |
| Loan loss allowance to noncurrent loans | 47.4752% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9131% | 546 |
| Noncurrent loans to loans | 1.3333% | 521 |
| Net loans and leases to total assets | 68.0500% | 2,030 |
| Net loans and leases to deposits | 88.0203% | 1,433 |
| Net loans and leases to core deposits | 97.0764% | 1,588 |
| Total domestic deposits to total assets | 77.3100% | 3,809 |
| Equity capital to assets | 5.1084% | 4,395 |
| Core capital (leverage) ratio | 8.4824% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2681% | 2,770 |
| Memoranda: | ||
| Average total assets | $413,973,800 | 1,973 |
| Average earning assets | $386,053,800 | 1,962 |
| Average equity | $19,953,200 | 2,860 |
| Average total loans | $284,111,200 | 1,853 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 2,765 |
| Cost of funding earning assets | 1.3171% | 2,105 |
| Net interest margin | 3.2497% | 2,802 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5240% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8321% | 2,924 |
| Return on assets (ROA) | 0.8045% | 3,006 |
| Pretax return on assets | 0.8104% | 3,309 |
| Return on Equity (ROE) | 16.9700% | 1,082 |
| Retained earnings to average equity (ytd only) | 0.4493% | 4,051 |
| Net charge-offs to loans | 0.0630% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 19.4697% | 1,831 |
| Efficiency ratio | 73.6371% | 1,394 |
| Assets per employee ($millions) | 5.4376% | 3,232 |
| Cash dividends to net income (ytd only)* | 97.3523% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 4,173 |
| Loan loss allowance to noncurrent loans | 45.4401% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.0502% | 478 |
| Noncurrent loans to loans | 1.4847% | 496 |
| Net loans and leases to total assets | 70.2500% | 1,800 |
| Net loans and leases to deposits | 90.6851% | 1,179 |
| Net loans and leases to core deposits | 100.6126% | 1,286 |
| Total domestic deposits to total assets | 77.4700% | 3,880 |
| Equity capital to assets | 3.9170% | 4,409 |
| Core capital (leverage) ratio | 8.5145% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1259% | 2,802 |
| Memoranda: | ||
| Average total assets | $406,850,250 | 1,989 |
| Average earning assets | $378,900,500 | 1,980 |
| Average equity | $19,290,750 | 2,911 |
| Average total loans | $279,384,750 | 1,879 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 2,566 |
| Cost of funding earning assets | 1.1409% | 2,165 |
| Net interest margin | 3.3922% | 2,543 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.5023% | 2,199 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9797% | 2,483 |
| Return on assets (ROA) | 0.9119% | 2,699 |
| Pretax return on assets | 0.9178% | 3,127 |
| Return on Equity (ROE) | 18.1400% | 935 |
| Retained earnings to average equity (ytd only) | -1.8070% | 4,279 |
| Net charge-offs to loans | 0.0986% | 688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 14.8074% | 1,870 |
| Efficiency ratio | 70.2983% | 1,739 |
| Assets per employee ($millions) | 5.3546% | 3,274 |
| Cash dividends to net income (ytd only)* | 109.9619% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6926% | 4,198 |
| Loan loss allowance to noncurrent loans | 520.8877% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 2,885 |
| Noncurrent loans to loans | 0.1330% | 2,805 |
| Net loans and leases to total assets | 69.3800% | 1,809 |
| Net loans and leases to deposits | 89.9143% | 1,195 |
| Net loans and leases to core deposits | 97.9370% | 1,351 |
| Total domestic deposits to total assets | 77.1600% | 3,933 |
| Equity capital to assets | 4.9425% | 4,390 |
| Core capital (leverage) ratio | 8.6358% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4707% | 2,771 |
| Memoranda: | ||
| Average total assets | $402,903,000 | 2,006 |
| Average earning assets | $375,329,000 | 1,992 |
| Average equity | $20,254,333 | 2,842 |
| Average total loans | $273,797,667 | 1,895 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 2,612 |
| Cost of funding earning assets | 0.9841% | 2,099 |
| Net interest margin | 3.3948% | 2,648 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.5022% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9871% | 2,569 |
| Return on assets (ROA) | 0.8548% | 2,950 |
| Pretax return on assets | 0.8609% | 3,329 |
| Return on Equity (ROE) | 16.8600% | 1,200 |
| Retained earnings to average equity (ytd only) | -1.1688% | 4,143 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.2384% | 1,725 |
| Assets per employee ($millions) | 5.0836% | 3,587 |
| Cash dividends to net income (ytd only)* | 106.9330% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 4,123 |
| Loan loss allowance to noncurrent loans | 386.5699% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 2,548 |
| Noncurrent loans to loans | 0.2019% | 2,462 |
| Net loans and leases to total assets | 67.4400% | 1,905 |
| Net loans and leases to deposits | 84.6387% | 1,454 |
| Net loans and leases to core deposits | 91.6566% | 1,522 |
| Total domestic deposits to total assets | 79.6700% | 3,809 |
| Equity capital to assets | 5.2609% | 4,381 |
| Core capital (leverage) ratio | 9.1447% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9625% | 2,738 |
| Memoranda: | ||
| Average total assets | $398,202,500 | 2,049 |
| Average earning assets | $370,679,500 | 2,033 |
| Average equity | $20,192,500 | 2,873 |
| Average total loans | $266,666,000 | 1,940 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 2,192 |
| Cost of funding earning assets | 0.5097% | 1,322 |
| Net interest margin | 3.3210% | 2,511 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.5990% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9752% | 2,652 |
| Return on assets (ROA) | 0.9795% | 2,591 |
| Pretax return on assets | 0.9858% | 3,112 |
| Return on Equity (ROE) | 15.4700% | 1,148 |
| Retained earnings to average equity (ytd only) | 5.1948% | 2,964 |
| Net charge-offs to loans | -0.0065% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.3694% | 1,518 |
| Assets per employee ($millions) | 4.9974% | 3,681 |
| Cash dividends to net income (ytd only)* | 66.4187% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 3,995 |
| Loan loss allowance to noncurrent loans | 432.0487% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,655 |
| Noncurrent loans to loans | 0.1893% | 2,537 |
| Net loans and leases to total assets | 65.4100% | 2,101 |
| Net loans and leases to deposits | 81.5814% | 1,650 |
| Net loans and leases to core deposits | 84.9744% | 1,820 |
| Total domestic deposits to total assets | 80.1800% | 3,852 |
| Equity capital to assets | 4.8777% | 4,389 |
| Core capital (leverage) ratio | 9.1752% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4166% | 2,605 |
| Memoranda: | ||
| Average total assets | $384,263,800 | 2,087 |
| Average earning assets | $356,273,400 | 2,083 |
| Average equity | $24,332,200 | 2,613 |
| Average total loans | $230,883,000 | 2,049 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 2,174 |
| Cost of funding earning assets | 0.4515% | 973 |
| Net interest margin | 3.2063% | 2,606 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.5483% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9619% | 2,617 |
| Return on assets (ROA) | 0.9678% | 2,574 |
| Pretax return on assets | 0.9740% | 3,096 |
| Return on Equity (ROE) | 14.4300% | 1,314 |
| Retained earnings to average equity (ytd only) | 1.5624% | 4,128 |
| Net charge-offs to loans | -0.0066% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.2966% | 1,608 |
| Assets per employee ($millions) | 4.8398% | 3,810 |
| Cash dividends to net income (ytd only)* | 89.1697% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 3,955 |
| Loan loss allowance to noncurrent loans | 2,362.2222% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,709 |
| Noncurrent loans to loans | 0.0366% | 3,634 |
| Net loans and leases to total assets | 63.7600% | 2,117 |
| Net loans and leases to deposits | 78.0109% | 1,706 |
| Net loans and leases to core deposits | 81.0563% | 1,826 |
| Total domestic deposits to total assets | 81.7400% | 3,878 |
| Equity capital to assets | 4.6107% | 4,374 |
| Core capital (leverage) ratio | 9.0137% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4327% | 2,675 |
| Memoranda: | ||
| Average total assets | $381,630,250 | 2,113 |
| Average earning assets | $353,462,750 | 2,107 |
| Average equity | $25,601,000 | 2,589 |
| Average total loans | $223,510,000 | 2,090 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 2,103 |
| Cost of funding earning assets | 0.4239% | 786 |
| Net interest margin | 3.0879% | 2,572 |
| Noninterest income to average assets | 0.6246% | 1,636 |
| Noninterest expense to average assets | 2.4746% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9970% | 2,165 |
| Return on assets (ROA) | 1.0126% | 2,080 |
| Pretax return on assets | 1.0189% | 2,657 |
| Return on Equity (ROE) | 13.6668% | 1,197 |
| Retained earnings to average equity (ytd only) | 0.3610% | 4,119 |
| Net charge-offs to loans | -0.0065% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1448% | 1,940 |
| Assets per employee ($millions) | 4.9880% | 3,686 |
| Cash dividends to net income (ytd only)* | 97.3589% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 3,977 |
| Loan loss allowance to noncurrent loans | 5,052.3810% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,920 |
| Noncurrent loans to loans | 0.0176% | 3,834 |
| Net loans and leases to total assets | 62.3346% | 2,085 |
| Net loans and leases to deposits | 75.7534% | 1,701 |
| Net loans and leases to core deposits | 80.5102% | 1,685 |
| Total domestic deposits to total assets | 82.2862% | 3,970 |
| Equity capital to assets | 5.7258% | 4,293 |
| Core capital (leverage) ratio | 8.8784% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6154% | 2,647 |
| Memoranda: | ||
| Average total assets | $381,391,667 | 2,120 |
| Average earning assets | $352,405,667 | 2,131 |
| Average equity | $28,258,333 | 2,510 |
| Average total loans | $216,037,333 | 2,140 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3308% | 2,292 |
| Cost of funding earning assets | 0.4255% | 755 |
| Net interest margin | 2.9053% | 2,821 |
| Noninterest income to average assets | 0.8480% | 934 |
| Noninterest expense to average assets | 2.2931% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2121% | 1,221 |
| Return on assets (ROA) | 1.2380% | 1,134 |
| Pretax return on assets | 1.2443% | 1,673 |
| Return on Equity (ROE) | 15.0185% | 650 |
| Retained earnings to average equity (ytd only) | 6.1393% | 2,203 |
| Net charge-offs to loans | -0.0020% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3067% | 2,857 |
| Assets per employee ($millions) | 5.0460% | 3,710 |
| Cash dividends to net income (ytd only)* | 59.1216% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,714 |
| Loan loss allowance to noncurrent loans | 568.8172% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,146 |
| Noncurrent loans to loans | 0.1763% | 2,937 |
| Net loans and leases to total assets | 53.0680% | 2,869 |
| Net loans and leases to deposits | 65.3829% | 2,397 |
| Net loans and leases to core deposits | 70.5610% | 2,244 |
| Total domestic deposits to total assets | 81.1650% | 4,187 |
| Equity capital to assets | 7.0337% | 4,199 |
| Core capital (leverage) ratio | 9.0747% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5212% | 2,406 |
| Memoranda: | ||
| Average total assets | $382,543,500 | 2,125 |
| Average earning assets | $350,671,500 | 2,144 |
| Average equity | $31,534,500 | 2,410 |
| Average total loans | $204,843,500 | 2,195 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 1,379 |
| Cost of funding earning assets | 0.4933% | 963 |
| Net interest margin | 3.4970% | 1,743 |
| Noninterest income to average assets | 0.5915% | 2,198 |
| Noninterest expense to average assets | 2.4086% | 2,467 |
| Loan and lease loss provision to assets | -0.1516% | 4,633 |
| Net operating income to assets | 1.5885% | 841 |
| Return on assets (ROA) | 1.7738% | 565 |
| Pretax return on assets | 1.7774% | 964 |
| Return on Equity (ROE) | 20.2868% | 296 |
| Retained earnings to average equity (ytd only) | 10.1278% | 887 |
| Net charge-offs to loans | 0.0362% | 1,526 |
| Credit loss provision to net charge-offs | -704.2254% | 3,838 |
| Earnings coverage of net charge-offs (x) | 66.9296% | 1,109 |
| Efficiency ratio | 62.5738% | 2,782 |
| Assets per employee ($millions) | 5.5447% | 3,220 |
| Cash dividends to net income (ytd only)* | 50.0769% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,504 |
| Loan loss allowance to noncurrent loans | 543.7018% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 3,200 |
| Noncurrent loans to loans | 0.1958% | 2,974 |
| Net loans and leases to total assets | 52.9171% | 2,971 |
| Net loans and leases to deposits | 67.9529% | 2,315 |
| Net loans and leases to core deposits | 72.9942% | 2,164 |
| Total domestic deposits to total assets | 77.8732% | 4,407 |
| Equity capital to assets | 9.5250% | 3,124 |
| Core capital (leverage) ratio | 10.2235% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1844% | 1,783 |
| Memoranda: | ||
| Average total assets | $329,866,000 | 2,294 |
| Average earning assets | $307,293,000 | 2,294 |
| Average equity | $28,841,400 | 2,605 |
| Average total loans | $196,158,400 | 2,256 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 1,073 |
| Cost of funding earning assets | 0.5053% | 1,023 |
| Net interest margin | 3.7196% | 1,297 |
| Noninterest income to average assets | 0.6427% | 2,042 |
| Noninterest expense to average assets | 2.4770% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6398% | 935 |
| Return on assets (ROA) | 1.9278% | 551 |
| Pretax return on assets | 1.9316% | 897 |
| Return on Equity (ROE) | 22.6370% | 268 |
| Retained earnings to average equity (ytd only) | 8.2775% | 1,962 |
| Net charge-offs to loans | -0.0068% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1134% | 2,973 |
| Assets per employee ($millions) | 5.1644% | 3,541 |
| Cash dividends to net income (ytd only)* | 63.4336% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,910 |
| Loan loss allowance to noncurrent loans | 497.4170% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 3,042 |
| Noncurrent loans to loans | 0.2868% | 2,768 |
| Net loans and leases to total assets | 55.4992% | 2,788 |
| Net loans and leases to deposits | 71.0195% | 2,141 |
| Net loans and leases to core deposits | 76.4306% | 2,008 |
| Total domestic deposits to total assets | 78.1464% | 4,413 |
| Equity capital to assets | 7.9378% | 4,550 |
| Core capital (leverage) ratio | 7.8986% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6707% | 2,811 |
| Memoranda: | ||
| Average total assets | $319,458,500 | 2,371 |
| Average earning assets | $298,694,750 | 2,364 |
| Average equity | $27,205,500 | 2,734 |
| Average total loans | $195,523,000 | 2,298 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 670 |
| Cost of funding earning assets | 0.5028% | 1,184 |
| Net interest margin | 4.0527% | 750 |
| Noninterest income to average assets | 0.6922% | 1,840 |
| Noninterest expense to average assets | 2.4805% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0118% | 476 |
| Return on assets (ROA) | 2.4512% | 251 |
| Pretax return on assets | 2.4550% | 382 |
| Return on Equity (ROE) | 28.1031% | 124 |
| Retained earnings to average equity (ytd only) | 12.0400% | 905 |
| Net charge-offs to loans | -0.0061% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1700% | 3,646 |
| Assets per employee ($millions) | 4.8738% | 3,772 |
| Cash dividends to net income (ytd only)* | 57.1577% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 2,249 |
| Loan loss allowance to noncurrent loans | 407.2617% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 2,937 |
| Noncurrent loans to loans | 0.3288% | 2,735 |
| Net loans and leases to total assets | 60.7481% | 2,330 |
| Net loans and leases to deposits | 78.6137% | 1,566 |
| Net loans and leases to core deposits | 84.5765% | 1,523 |
| Total domestic deposits to total assets | 77.2742% | 4,495 |
| Equity capital to assets | 8.3939% | 4,288 |
| Core capital (leverage) ratio | 8.1833% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7396% | 2,794 |
| Memoranda: | ||
| Average total assets | $314,050,000 | 2,390 |
| Average earning assets | $294,765,667 | 2,376 |
| Average equity | $27,392,000 | 2,712 |
| Average total loans | $197,698,000 | 2,294 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 527 |
| Cost of funding earning assets | 0.5077% | 1,346 |
| Net interest margin | 4.2457% | 561 |
| Noninterest income to average assets | 0.9045% | 1,314 |
| Noninterest expense to average assets | 2.4262% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4847% | 271 |
| Return on assets (ROA) | 2.7368% | 215 |
| Pretax return on assets | 2.7407% | 326 |
| Return on Equity (ROE) | 30.7636% | 128 |
| Retained earnings to average equity (ytd only) | 21.9991% | 205 |
| Net charge-offs to loans | -0.0082% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3654% | 4,240 |
| Assets per employee ($millions) | 4.6950% | 3,930 |
| Cash dividends to net income (ytd only)* | 28.4900% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 2,129 |
| Loan loss allowance to noncurrent loans | 224.9164% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 2,279 |
| Noncurrent loans to loans | 0.6062% | 2,051 |
| Net loans and leases to total assets | 61.8629% | 2,301 |
| Net loans and leases to deposits | 80.4249% | 1,486 |
| Net loans and leases to core deposits | 86.0796% | 1,513 |
| Total domestic deposits to total assets | 76.9201% | 4,522 |
| Equity capital to assets | 8.6350% | 4,017 |
| Core capital (leverage) ratio | 8.5986% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7928% | 2,741 |
| Memoranda: | ||
| Average total assets | $307,802,500 | 2,405 |
| Average earning assets | $290,744,500 | 2,380 |
| Average equity | $27,383,000 | 2,707 |
| Average total loans | $196,016,000 | 2,309 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 1,510 |
| Cost of funding earning assets | 0.6725% | 1,864 |
| Net interest margin | 3.7519% | 1,638 |
| Noninterest income to average assets | 0.7632% | 1,644 |
| Noninterest expense to average assets | 2.4513% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8447% | 355 |
| Return on assets (ROA) | 1.8628% | 366 |
| Pretax return on assets | 1.8675% | 589 |
| Return on Equity (ROE) | 20.2283% | 223 |
| Retained earnings to average equity (ytd only) | 8.4448% | 926 |
| Net charge-offs to loans | 0.0198% | 2,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 142.0278% | 609 |
| Efficiency ratio | 56.9975% | 3,859 |
| Assets per employee ($millions) | 5.1023% | 3,280 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 2,057 |
| Loan loss allowance to noncurrent loans | 310.8796% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 2,858 |
| Noncurrent loans to loans | 0.4437% | 2,647 |
| Net loans and leases to total assets | 63.7978% | 2,388 |
| Net loans and leases to deposits | 84.4357% | 1,413 |
| Net loans and leases to core deposits | 90.0922% | 1,519 |
| Total domestic deposits to total assets | 75.5578% | 4,534 |
| Equity capital to assets | 9.1693% | 3,922 |
| Core capital (leverage) ratio | 8.3091% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,465,600 | 2,424 |
| Average earning assets | $260,669,400 | 2,395 |
| Average equity | $25,459,400 | 2,766 |
| Average total loans | $181,467,200 | 2,401 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 1,418 |
| Cost of funding earning assets | 0.7141% | 1,937 |
| Net interest margin | 3.8487% | 1,480 |
| Noninterest income to average assets | 0.7211% | 1,733 |
| Noninterest expense to average assets | 2.4306% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9142% | 358 |
| Return on assets (ROA) | 1.9389% | 371 |
| Pretax return on assets | 1.9438% | 578 |
| Return on Equity (ROE) | 21.0292% | 205 |
| Retained earnings to average equity (ytd only) | 4.9804% | 2,567 |
| Net charge-offs to loans | 0.0254% | 2,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 114.4412% | 720 |
| Efficiency ratio | 55.8794% | 3,930 |
| Assets per employee ($millions) | 5.0309% | 3,209 |
| Cash dividends to net income (ytd only)* | 76.3165% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,753 |
| Loan loss allowance to noncurrent loans | 288.1029% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 2,868 |
| Noncurrent loans to loans | 0.4847% | 2,614 |
| Net loans and leases to total assets | 65.0459% | 2,636 |
| Net loans and leases to deposits | 87.7051% | 1,521 |
| Net loans and leases to core deposits | 93.8540% | 1,652 |
| Total domestic deposits to total assets | 74.1643% | 4,559 |
| Equity capital to assets | 9.0269% | 4,098 |
| Core capital (leverage) ratio | 8.2820% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,322,750 | 2,435 |
| Average earning assets | $254,870,250 | 2,418 |
| Average equity | $24,923,500 | 2,796 |
| Average total loans | $178,148,750 | 2,425 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 1,243 |
| Cost of funding earning assets | 0.7526% | 2,106 |
| Net interest margin | 4.0156% | 1,281 |
| Noninterest income to average assets | 0.6893% | 1,781 |
| Noninterest expense to average assets | 2.4593% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0079% | 331 |
| Return on assets (ROA) | 2.0360% | 341 |
| Pretax return on assets | 2.0413% | 501 |
| Return on Equity (ROE) | 21.9129% | 170 |
| Retained earnings to average equity (ytd only) | 4.3270% | 2,769 |
| Net charge-offs to loans | -0.0115% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9873% | 4,063 |
| Assets per employee ($millions) | 4.9787% | 3,195 |
| Cash dividends to net income (ytd only)* | 80.2538% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,194 |
| Loan loss allowance to noncurrent loans | 232.1155% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 2,617 |
| Noncurrent loans to loans | 0.6571% | 2,218 |
| Net loans and leases to total assets | 63.2611% | 2,964 |
| Net loans and leases to deposits | 81.9979% | 2,208 |
| Net loans and leases to core deposits | 87.8611% | 2,256 |
| Total domestic deposits to total assets | 77.1496% | 4,302 |
| Equity capital to assets | 9.2430% | 3,886 |
| Core capital (leverage) ratio | 8.5751% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,165,667 | 2,458 |
| Average earning assets | $247,934,667 | 2,433 |
| Average equity | $24,451,333 | 2,818 |
| Average total loans | $173,369,000 | 2,444 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 2,187 |
| Cost of funding earning assets | 0.8015% | 2,386 |
| Net interest margin | 3.7393% | 2,180 |
| Noninterest income to average assets | 0.4950% | 2,571 |
| Noninterest expense to average assets | 2.3858% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6198% | 602 |
| Return on assets (ROA) | 1.6668% | 602 |
| Pretax return on assets | 1.6715% | 907 |
| Return on Equity (ROE) | 17.8884% | 278 |
| Retained earnings to average equity (ytd only) | 3.1775% | 3,008 |
| Net charge-offs to loans | -0.0164% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4922% | 3,810 |
| Assets per employee ($millions) | 4.5745% | 3,162 |
| Cash dividends to net income (ytd only)* | 82.2368% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,082 |
| Loan loss allowance to noncurrent loans | 390.9742% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 3,367 |
| Noncurrent loans to loans | 0.4080% | 3,031 |
| Net loans and leases to total assets | 65.7133% | 2,850 |
| Net loans and leases to deposits | 85.5034% | 2,056 |
| Net loans and leases to core deposits | 92.6151% | 2,105 |
| Total domestic deposits to total assets | 76.8546% | 4,374 |
| Equity capital to assets | 9.5615% | 4,166 |
| Core capital (leverage) ratio | 9.0003% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3278% | 2,561 |
| Memoranda: | ||
| Average total assets | $255,346,000 | 2,462 |
| Average earning assets | $240,046,000 | 2,446 |
| Average equity | $23,792,000 | 2,866 |
| Average total loans | $170,500,000 | 2,447 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 2,306 |
| Cost of funding earning assets | 0.7554% | 2,890 |
| Net interest margin | 3.9497% | 2,000 |
| Noninterest income to average assets | 0.4575% | 2,963 |
| Noninterest expense to average assets | 2.4316% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7233% | 630 |
| Return on assets (ROA) | 1.7500% | 629 |
| Pretax return on assets | 1.7516% | 1,066 |
| Return on Equity (ROE) | 19.2144% | 256 |
| Retained earnings to average equity (ytd only) | 6.8623% | 1,446 |
| Net charge-offs to loans | 0.0006% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4,140.0000% | 16 |
| Efficiency ratio | 58.5004% | 3,914 |
| Assets per employee ($millions) | 4.5450% | 3,162 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 971 |
| Loan loss allowance to noncurrent loans | 690.8629% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,860 |
| Noncurrent loans to loans | 0.2319% | 3,617 |
| Net loans and leases to total assets | 65.6962% | 2,986 |
| Net loans and leases to deposits | 84.9269% | 2,217 |
| Net loans and leases to core deposits | 91.5803% | 2,270 |
| Total domestic deposits to total assets | 77.3562% | 4,455 |
| Equity capital to assets | 9.0720% | 4,646 |
| Core capital (leverage) ratio | 9.0629% | 4,475 |
| Tier 1 risk-based capital ratio | 11.9912% | 4,371 |
| Total risk-based capital ratio | 13.2436% | 4,245 |
| Memoranda: | ||
| Average total assets | $240,003,800 | 2,522 |
| Average earning assets | $224,773,800 | 2,498 |
| Average equity | $21,858,600 | 2,973 |
| Average total loans | $164,495,200 | 2,464 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 2,499 |
| Cost of funding earning assets | 0.7275% | 3,080 |
| Net interest margin | 3.9430% | 2,122 |
| Noninterest income to average assets | 0.4952% | 2,759 |
| Noninterest expense to average assets | 2.4023% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7807% | 638 |
| Return on assets (ROA) | 1.8168% | 623 |
| Pretax return on assets | 1.8219% | 1,029 |
| Return on Equity (ROE) | 19.9277% | 249 |
| Retained earnings to average equity (ytd only) | 3.2233% | 3,796 |
| Net charge-offs to loans | -0.0008% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3603% | 4,021 |
| Assets per employee ($millions) | 4.6458% | 2,978 |
| Cash dividends to net income (ytd only)* | 83.8249% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,118 |
| Loan loss allowance to noncurrent loans | 713.0890% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 3,962 |
| Noncurrent loans to loans | 0.2173% | 3,763 |
| Net loans and leases to total assets | 70.2964% | 2,428 |
| Net loans and leases to deposits | 91.6566% | 1,480 |
| Net loans and leases to core deposits | 99.7660% | 1,679 |
| Total domestic deposits to total assets | 76.6954% | 4,558 |
| Equity capital to assets | 9.0547% | 4,755 |
| Core capital (leverage) ratio | 8.9099% | 4,702 |
| Tier 1 risk-based capital ratio | 11.3398% | 4,742 |
| Total risk-based capital ratio | 12.5919% | 4,644 |
| Memoranda: | ||
| Average total assets | $236,374,750 | 2,563 |
| Average earning assets | $221,383,500 | 2,544 |
| Average equity | $21,550,750 | 3,020 |
| Average total loans | $163,136,000 | 2,500 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 2,663 |
| Cost of funding earning assets | 0.6670% | 3,325 |
| Net interest margin | 3.9380% | 2,128 |
| Noninterest income to average assets | 0.4805% | 2,780 |
| Noninterest expense to average assets | 2.4402% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7229% | 693 |
| Return on assets (ROA) | 1.7727% | 654 |
| Pretax return on assets | 1.7778% | 1,092 |
| Return on Equity (ROE) | 19.3966% | 290 |
| Retained earnings to average equity (ytd only) | 0.0563% | 4,674 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5426% | 3,932 |
| Assets per employee ($millions) | 4.2707% | 3,481 |
| Cash dividends to net income (ytd only)* | 99.7096% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 949 |
| Loan loss allowance to noncurrent loans | 689.3671% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,939 |
| Noncurrent loans to loans | 0.2375% | 3,688 |
| Net loans and leases to total assets | 68.3915% | 2,766 |
| Net loans and leases to deposits | 86.8705% | 2,148 |
| Net loans and leases to core deposits | 94.1338% | 2,232 |
| Total domestic deposits to total assets | 78.7280% | 4,270 |
| Equity capital to assets | 9.0191% | 4,785 |
| Core capital (leverage) ratio | 8.9577% | 4,661 |
| Tier 1 risk-based capital ratio | 11.6402% | 4,615 |
| Total risk-based capital ratio | 12.8930% | 4,508 |
| Memoranda: | ||
| Average total assets | $233,091,000 | 2,593 |
| Average earning assets | $218,281,670 | 2,577 |
| Average equity | $21,302,670 | 3,035 |
| Average total loans | $158,910,670 | 2,551 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 2,932 |
| Cost of funding earning assets | 0.5891% | 3,631 |
| Net interest margin | 3.8920% | 2,215 |
| Noninterest income to average assets | 0.4034% | 3,161 |
| Noninterest expense to average assets | 2.4064% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6448% | 817 |
| Return on assets (ROA) | 1.7683% | 647 |
| Pretax return on assets | 1.7735% | 1,040 |
| Return on Equity (ROE) | 19.2168% | 312 |
| Retained earnings to average equity (ytd only) | 2.2108% | 4,008 |
| Net charge-offs to loans | 0.0052% | 2,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 474.5000% | 162 |
| Efficiency ratio | 59.3228% | 3,903 |
| Assets per employee ($millions) | 4.1119% | 3,749 |
| Cash dividends to net income (ytd only)* | 88.4956% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 788 |
| Loan loss allowance to noncurrent loans | 625.5172% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 3,321 |
| Noncurrent loans to loans | 0.2787% | 3,567 |
| Net loans and leases to total assets | 66.5966% | 2,961 |
| Net loans and leases to deposits | 80.5122% | 2,782 |
| Net loans and leases to core deposits | 85.8008% | 2,883 |
| Total domestic deposits to total assets | 82.7162% | 3,493 |
| Equity capital to assets | 9.3009% | 4,432 |
| Core capital (leverage) ratio | 9.2577% | 4,402 |
| Tier 1 risk-based capital ratio | 12.3612% | 4,259 |
| Total risk-based capital ratio | 13.6153% | 4,125 |
| Memoranda: | ||
| Average total assets | $230,056,500 | 2,641 |
| Average earning assets | $215,931,500 | 2,623 |
| Average equity | $21,169,000 | 3,058 |
| Average total loans | $155,222,000 | 2,638 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 3,022 |
| Cost of funding earning assets | 0.4305% | 3,799 |
| Net interest margin | 3.8959% | 2,341 |
| Noninterest income to average assets | 0.6907% | 1,882 |
| Noninterest expense to average assets | 2.5596% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8029% | 548 |
| Return on assets (ROA) | 1.7936% | 554 |
| Pretax return on assets | 1.7994% | 921 |
| Return on Equity (ROE) | 20.3076% | 235 |
| Retained earnings to average equity (ytd only) | 7.4419% | 1,484 |
| Net charge-offs to loans | -0.0733% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9421% | 4,417 |
| Assets per employee ($millions) | 4.1044% | 3,742 |
| Cash dividends to net income (ytd only)* | 63.3540% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 731 |
| Loan loss allowance to noncurrent loans | 352.7202% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,209 |
| Noncurrent loans to loans | 0.5001% | 2,776 |
| Net loans and leases to total assets | 65.9790% | 3,138 |
| Net loans and leases to deposits | 78.5483% | 3,102 |
| Net loans and leases to core deposits | 83.3402% | 3,146 |
| Total domestic deposits to total assets | 83.9980% | 2,998 |
| Equity capital to assets | 9.1022% | 4,486 |
| Core capital (leverage) ratio | 9.2520% | 4,395 |
| Tier 1 risk-based capital ratio | 12.1261% | 4,343 |
| Total risk-based capital ratio | 13.3795% | 4,227 |
| Memoranda: | ||
| Average total assets | $224,412,600 | 2,659 |
| Average earning assets | $211,840,000 | 2,625 |
| Average equity | $19,820,200 | 3,102 |
| Average total loans | $148,737,400 | 2,659 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,957 |
| Cost of funding earning assets | 0.3996% | 3,861 |
| Net interest margin | 3.9014% | 2,296 |
| Noninterest income to average assets | 0.7316% | 1,746 |
| Noninterest expense to average assets | 2.5536% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8644% | 531 |
| Return on assets (ROA) | 1.8644% | 530 |
| Pretax return on assets | 1.8668% | 867 |
| Return on Equity (ROE) | 21.2768% | 199 |
| Retained earnings to average equity (ytd only) | 3.8816% | 3,835 |
| Net charge-offs to loans | -0.0688% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2529% | 4,583 |
| Assets per employee ($millions) | 4.0916% | 3,744 |
| Cash dividends to net income (ytd only)* | 81.7571% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 758 |
| Loan loss allowance to noncurrent loans | 343.9898% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 3,286 |
| Noncurrent loans to loans | 0.5169% | 2,835 |
| Net loans and leases to total assets | 66.0303% | 3,170 |
| Net loans and leases to deposits | 78.0685% | 3,229 |
| Net loans and leases to core deposits | 82.4007% | 3,298 |
| Total domestic deposits to total assets | 84.5800% | 2,768 |
| Equity capital to assets | 8.7527% | 4,760 |
| Core capital (leverage) ratio | 8.9984% | 4,706 |
| Tier 1 risk-based capital ratio | 12.2015% | 4,376 |
| Total risk-based capital ratio | 13.4559% | 4,268 |
| Memoranda: | ||
| Average total assets | $223,054,250 | 2,685 |
| Average earning assets | $210,893,000 | 2,644 |
| Average equity | $19,545,000 | 3,150 |
| Average total loans | $147,328,500 | 2,689 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 2,845 |
| Cost of funding earning assets | 0.3844% | 3,839 |
| Net interest margin | 3.8925% | 2,224 |
| Noninterest income to average assets | 0.8768% | 1,248 |
| Noninterest expense to average assets | 2.5990% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9551% | 418 |
| Return on assets (ROA) | 1.9551% | 416 |
| Pretax return on assets | 1.9569% | 671 |
| Return on Equity (ROE) | 22.3039% | 147 |
| Retained earnings to average equity (ytd only) | 2.2981% | 4,357 |
| Net charge-offs to loans | -0.1014% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9147% | 4,902 |
| Assets per employee ($millions) | 4.3049% | 3,415 |
| Cash dividends to net income (ytd only)* | 89.6964% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7982% | 754 |
| Loan loss allowance to noncurrent loans | 360.3217% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 3,423 |
| Noncurrent loans to loans | 0.4990% | 2,926 |
| Net loans and leases to total assets | 65.5779% | 3,207 |
| Net loans and leases to deposits | 76.0139% | 3,331 |
| Net loans and leases to core deposits | 80.1588% | 3,409 |
| Total domestic deposits to total assets | 86.2709% | 2,156 |
| Equity capital to assets | 8.6995% | 4,805 |
| Core capital (leverage) ratio | 8.9119% | 4,765 |
| Tier 1 risk-based capital ratio | 12.1108% | 4,433 |
| Total risk-based capital ratio | 13.3655% | 4,304 |
| Memoranda: | ||
| Average total assets | $222,392,670 | 2,708 |
| Average earning assets | $210,200,670 | 2,668 |
| Average equity | $19,494,330 | 3,173 |
| Average total loans | $146,010,000 | 2,715 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 3,143 |
| Cost of funding earning assets | 0.3749% | 3,776 |
| Net interest margin | 3.7504% | 2,611 |
| Noninterest income to average assets | 0.4656% | 3,026 |
| Noninterest expense to average assets | 2.4235% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5790% | 901 |
| Return on assets (ROA) | 1.5790% | 908 |
| Pretax return on assets | 1.5808% | 1,449 |
| Return on Equity (ROE) | 17.9446% | 419 |
| Retained earnings to average equity (ytd only) | 3.5889% | 3,766 |
| Net charge-offs to loans | -0.1941% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5228% | 3,999 |
| Assets per employee ($millions) | 4.3458% | 3,405 |
| Cash dividends to net income (ytd only)* | 80.0000% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 728 |
| Loan loss allowance to noncurrent loans | 787.0968% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 4,307 |
| Noncurrent loans to loans | 0.2330% | 3,936 |
| Net loans and leases to total assets | 64.8350% | 3,196 |
| Net loans and leases to deposits | 75.7001% | 3,247 |
| Net loans and leases to core deposits | 79.4503% | 3,368 |
| Total domestic deposits to total assets | 85.6471% | 2,694 |
| Equity capital to assets | 8.7933% | 4,745 |
| Core capital (leverage) ratio | 8.9536% | 4,730 |
| Tier 1 risk-based capital ratio | 12.0889% | 4,502 |
| Total risk-based capital ratio | 13.3439% | 4,387 |
| Memoranda: | ||
| Average total assets | $221,662,500 | 2,742 |
| Average earning assets | $209,150,000 | 2,701 |
| Average equity | $19,504,500 | 3,200 |
| Average total loans | $144,272,000 | 2,759 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 2,884 |
| Cost of funding earning assets | 0.3425% | 3,776 |
| Net interest margin | 3.8067% | 2,405 |
| Noninterest income to average assets | 0.4455% | 3,340 |
| Noninterest expense to average assets | 2.4560% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5660% | 697 |
| Return on assets (ROA) | 1.5660% | 708 |
| Pretax return on assets | 1.5712% | 1,375 |
| Return on Equity (ROE) | 17.5084% | 346 |
| Retained earnings to average equity (ytd only) | 5.2844% | 1,946 |
| Net charge-offs to loans | 0.1864% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.6962% | 2,449 |
| Efficiency ratio | 60.9857% | 4,119 |
| Assets per employee ($millions) | 4.3469% | 3,422 |
| Cash dividends to net income (ytd only)* | 69.8176% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 727 |
| Loan loss allowance to noncurrent loans | 560.9442% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 4,086 |
| Noncurrent loans to loans | 0.3278% | 3,598 |
| Net loans and leases to total assets | 62.9478% | 3,491 |
| Net loans and leases to deposits | 73.4499% | 3,560 |
| Net loans and leases to core deposits | 77.0789% | 3,661 |
| Total domestic deposits to total assets | 85.7017% | 2,574 |
| Equity capital to assets | 8.8051% | 4,896 |
| Core capital (leverage) ratio | 9.0137% | 4,634 |
| Tier 1 risk-based capital ratio | 12.1766% | 4,413 |
| Total risk-based capital ratio | 13.4314% | 4,303 |
| Memoranda: | ||
| Average total assets | $210,094,000 | 2,822 |
| Average earning assets | $197,675,200 | 2,794 |
| Average equity | $18,791,000 | 3,263 |
| Average total loans | $139,493,400 | 2,791 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 2,745 |
| Cost of funding earning assets | 0.3352% | 3,813 |
| Net interest margin | 3.8266% | 2,297 |
| Noninterest income to average assets | 0.4254% | 3,513 |
| Noninterest expense to average assets | 2.4665% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5534% | 798 |
| Return on assets (ROA) | 1.5534% | 819 |
| Pretax return on assets | 1.5586% | 1,553 |
| Return on Equity (ROE) | 17.2961% | 394 |
| Retained earnings to average equity (ytd only) | 0.8383% | 5,027 |
| Net charge-offs to loans | 0.0912% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 25.4954% | 1,726 |
| Efficiency ratio | 61.2790% | 4,002 |
| Assets per employee ($millions) | 4.1640% | 3,716 |
| Cash dividends to net income (ytd only)* | 95.1532% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 702 |
| Loan loss allowance to noncurrent loans | 430.1858% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 3,848 |
| Noncurrent loans to loans | 0.4419% | 3,380 |
| Net loans and leases to total assets | 67.5312% | 2,912 |
| Net loans and leases to deposits | 79.1885% | 3,047 |
| Net loans and leases to core deposits | 83.2905% | 3,190 |
| Total domestic deposits to total assets | 85.2790% | 2,605 |
| Equity capital to assets | 8.8245% | 5,059 |
| Core capital (leverage) ratio | 8.8938% | 4,872 |
| Tier 1 risk-based capital ratio | 11.7193% | 4,822 |
| Total risk-based capital ratio | 12.9754% | 4,694 |
| Memoranda: | ||
| Average total assets | $207,195,000 | 2,872 |
| Average earning assets | $194,909,500 | 2,840 |
| Average equity | $18,608,750 | 3,317 |
| Average total loans | $138,826,000 | 2,817 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 2,674 |
| Cost of funding earning assets | 0.3294% | 3,799 |
| Net interest margin | 3.8197% | 2,209 |
| Noninterest income to average assets | 0.4273% | 3,508 |
| Noninterest expense to average assets | 2.5016% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5107% | 843 |
| Return on assets (ROA) | 1.5107% | 870 |
| Pretax return on assets | 1.5155% | 1,582 |
| Return on Equity (ROE) | 16.7196% | 435 |
| Retained earnings to average equity (ytd only) | -2.1007% | 5,353 |
| Net charge-offs to loans | -0.0513% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2728% | 3,947 |
| Assets per employee ($millions) | 3.9858% | 3,976 |
| Cash dividends to net income (ytd only)* | 112.5644% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0449% | 553 |
| Loan loss allowance to noncurrent loans | 1,334.4037% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 4,779 |
| Noncurrent loans to loans | 0.1532% | 4,501 |
| Net loans and leases to total assets | 67.2334% | 2,913 |
| Net loans and leases to deposits | 77.7757% | 3,141 |
| Net loans and leases to core deposits | 81.7192% | 3,279 |
| Total domestic deposits to total assets | 86.4452% | 2,172 |
| Equity capital to assets | 8.8988% | 4,988 |
| Core capital (leverage) ratio | 8.8580% | 4,890 |
| Tier 1 risk-based capital ratio | 11.7966% | 4,761 |
| Total risk-based capital ratio | 13.0541% | 4,649 |
| Memoranda: | ||
| Average total assets | $205,472,000 | 2,901 |
| Average earning assets | $193,104,670 | 2,867 |
| Average equity | $18,565,000 | 3,324 |
| Average total loans | $136,371,000 | 2,851 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1337% | 2,536 |
| Cost of funding earning assets | 0.3188% | 3,862 |
| Net interest margin | 3.8149% | 2,067 |
| Noninterest income to average assets | 0.4282% | 3,459 |
| Noninterest expense to average assets | 2.4969% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5055% | 799 |
| Return on assets (ROA) | 1.5055% | 827 |
| Pretax return on assets | 1.5114% | 1,499 |
| Return on Equity (ROE) | 16.5365% | 460 |
| Retained earnings to average equity (ytd only) | 1.5033% | 4,500 |
| Net charge-offs to loans | -0.0090% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2927% | 4,109 |
| Assets per employee ($millions) | 3.9675% | 4,068 |
| Cash dividends to net income (ytd only)* | 90.9091% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 537 |
| Loan loss allowance to noncurrent loans | 1,098.0916% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,755 |
| Noncurrent loans to loans | 0.1923% | 4,436 |
| Net loans and leases to total assets | 64.6524% | 3,173 |
| Net loans and leases to deposits | 75.2308% | 3,278 |
| Net loans and leases to core deposits | 78.1615% | 3,454 |
| Total domestic deposits to total assets | 85.9387% | 2,697 |
| Equity capital to assets | 9.0524% | 4,759 |
| Core capital (leverage) ratio | 9.1308% | 4,566 |
| Tier 1 risk-based capital ratio | 12.4387% | 4,420 |
| Total risk-based capital ratio | 13.6970% | 4,320 |
| Memoranda: | ||
| Average total assets | $204,576,500 | 2,939 |
| Average earning assets | $191,982,000 | 2,910 |
| Average equity | $18,625,500 | 3,332 |
| Average total loans | $133,427,000 | 2,913 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,556 |
| Cost of funding earning assets | 0.3306% | 3,741 |
| Net interest margin | 3.8494% | 2,140 |
| Noninterest income to average assets | 0.4462% | 3,573 |
| Noninterest expense to average assets | 2.5758% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4706% | 884 |
| Return on assets (ROA) | 1.4706% | 908 |
| Pretax return on assets | 1.4762% | 1,664 |
| Return on Equity (ROE) | 15.8371% | 525 |
| Retained earnings to average equity (ytd only) | 3.8233% | 3,200 |
| Net charge-offs to loans | 0.0079% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 286.5000% | 258 |
| Efficiency ratio | 63.5682% | 4,019 |
| Assets per employee ($millions) | 3.9773% | 4,010 |
| Cash dividends to net income (ytd only)* | 75.8584% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2007% | 467 |
| Loan loss allowance to noncurrent loans | 835.4651% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 4,644 |
| Noncurrent loans to loans | 0.2634% | 4,208 |
| Net loans and leases to total assets | 62.9643% | 3,486 |
| Net loans and leases to deposits | 73.6195% | 3,551 |
| Net loans and leases to core deposits | 76.3147% | 3,723 |
| Total domestic deposits to total assets | 85.5267% | 2,819 |
| Equity capital to assets | 9.1574% | 4,638 |
| Core capital (leverage) ratio | 9.3019% | 4,347 |
| Tier 1 risk-based capital ratio | 12.7602% | 4,226 |
| Total risk-based capital ratio | 14.0191% | 4,106 |
| Memoranda: | ||
| Average total assets | $194,074,000 | 3,023 |
| Average earning assets | $181,794,400 | 2,999 |
| Average equity | $18,021,000 | 3,405 |
| Average total loans | $126,637,600 | 2,968 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 2,443 |
| Cost of funding earning assets | 0.3314% | 3,764 |
| Net interest margin | 3.8901% | 2,009 |
| Noninterest income to average assets | 0.4357% | 3,657 |
| Noninterest expense to average assets | 2.5897% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4863% | 906 |
| Return on assets (ROA) | 1.4863% | 949 |
| Pretax return on assets | 1.4919% | 1,731 |
| Return on Equity (ROE) | 15.9482% | 550 |
| Retained earnings to average equity (ytd only) | -0.1939% | 5,393 |
| Net charge-offs to loans | 0.0255% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 89.4563% | 705 |
| Efficiency ratio | 63.4491% | 4,009 |
| Assets per employee ($millions) | 3.7876% | 4,325 |
| Cash dividends to net income (ytd only)* | 101.2153% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1880% | 532 |
| Loan loss allowance to noncurrent loans | 499.1274% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 4,171 |
| Noncurrent loans to loans | 0.4384% | 3,712 |
| Net loans and leases to total assets | 66.1875% | 3,092 |
| Net loans and leases to deposits | 77.6255% | 3,226 |
| Net loans and leases to core deposits | 80.6348% | 3,385 |
| Total domestic deposits to total assets | 85.2652% | 2,692 |
| Equity capital to assets | 9.3256% | 4,844 |
| Core capital (leverage) ratio | 9.2106% | 4,570 |
| Tier 1 risk-based capital ratio | 12.1922% | 4,682 |
| Total risk-based capital ratio | 13.4507% | 4,565 |
| Memoranda: | ||
| Average total assets | $191,882,000 | 3,055 |
| Average earning assets | $179,836,500 | 3,024 |
| Average equity | $17,882,500 | 3,451 |
| Average total loans | $125,649,000 | 2,990 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 2,294 |
| Cost of funding earning assets | 0.3213% | 3,887 |
| Net interest margin | 3.9401% | 1,839 |
| Noninterest income to average assets | 0.4335% | 3,645 |
| Noninterest expense to average assets | 2.5876% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5304% | 843 |
| Return on assets (ROA) | 1.5304% | 890 |
| Pretax return on assets | 1.5356% | 1,566 |
| Return on Equity (ROE) | 16.4250% | 490 |
| Retained earnings to average equity (ytd only) | -4.0362% | 5,695 |
| Net charge-offs to loans | 0.0129% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 183.7500% | 355 |
| Efficiency ratio | 62.7565% | 4,218 |
| Assets per employee ($millions) | 3.7079% | 4,427 |
| Cash dividends to net income (ytd only)* | 124.5734% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 492 |
| Loan loss allowance to noncurrent loans | 501.0453% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 4,312 |
| Noncurrent loans to loans | 0.4544% | 3,744 |
| Net loans and leases to total assets | 64.0247% | 3,358 |
| Net loans and leases to deposits | 74.9587% | 3,483 |
| Net loans and leases to core deposits | 77.8537% | 3,654 |
| Total domestic deposits to total assets | 85.4133% | 2,682 |
| Equity capital to assets | 9.1737% | 5,094 |
| Core capital (leverage) ratio | 9.0300% | 4,793 |
| Tier 1 risk-based capital ratio | 12.1409% | 4,746 |
| Total risk-based capital ratio | 13.4000% | 4,650 |
| Memoranda: | ||
| Average total assets | $191,453,330 | 3,073 |
| Average earning assets | $179,286,670 | 3,052 |
| Average equity | $17,838,670 | 3,465 |
| Average total loans | $123,961,000 | 3,021 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,018 |
| Cost of funding earning assets | 0.3109% | 4,050 |
| Net interest margin | 3.7439% | 2,504 |
| Noninterest income to average assets | 0.4571% | 3,435 |
| Noninterest expense to average assets | 2.5957% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3671% | 1,100 |
| Return on assets (ROA) | 1.3671% | 1,165 |
| Pretax return on assets | 1.3713% | 1,997 |
| Return on Equity (ROE) | 14.5584% | 737 |
| Retained earnings to average equity (ytd only) | -3.0814% | 5,479 |
| Net charge-offs to loans | 0.1205% | 1,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.6757% | 1,563 |
| Efficiency ratio | 65.4334% | 3,894 |
| Assets per employee ($millions) | 3.6529% | 4,556 |
| Cash dividends to net income (ytd only)* | 121.1656% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 520 |
| Loan loss allowance to noncurrent loans | 291.5046% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 3,542 |
| Noncurrent loans to loans | 0.7840% | 2,879 |
| Net loans and leases to total assets | 64.1030% | 3,229 |
| Net loans and leases to deposits | 74.6962% | 3,349 |
| Net loans and leases to core deposits | 77.5338% | 3,543 |
| Total domestic deposits to total assets | 85.8183% | 2,756 |
| Equity capital to assets | 9.4141% | 4,757 |
| Core capital (leverage) ratio | 9.3380% | 4,446 |
| Tier 1 risk-based capital ratio | 13.1974% | 4,144 |
| Total risk-based capital ratio | 14.4579% | 4,066 |
| Memoranda: | ||
| Average total assets | $190,773,500 | 3,085 |
| Average earning assets | $178,850,500 | 3,061 |
| Average equity | $17,914,000 | 3,454 |
| Average total loans | $122,779,500 | 3,043 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 2,965 |
| Cost of funding earning assets | 0.2887% | 4,382 |
| Net interest margin | 3.7996% | 2,379 |
| Noninterest income to average assets | 0.4886% | 3,405 |
| Noninterest expense to average assets | 2.5931% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4353% | 971 |
| Return on assets (ROA) | 1.4353% | 1,002 |
| Pretax return on assets | 1.4406% | 1,752 |
| Return on Equity (ROE) | 15.2756% | 648 |
| Retained earnings to average equity (ytd only) | 1.9912% | 4,595 |
| Net charge-offs to loans | -0.1616% | 5,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0003% | 4,442 |
| Assets per employee ($millions) | 3.6846% | 4,504 |
| Cash dividends to net income (ytd only)* | 86.9646% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3845% | 464 |
| Loan loss allowance to noncurrent loans | 200.9756% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 2,808 |
| Noncurrent loans to loans | 1.1865% | 1,985 |
| Net loans and leases to total assets | 61.6207% | 3,617 |
| Net loans and leases to deposits | 70.5542% | 3,860 |
| Net loans and leases to core deposits | 72.9240% | 4,044 |
| Total domestic deposits to total assets | 87.3381% | 1,960 |
| Equity capital to assets | 9.3665% | 4,713 |
| Core capital (leverage) ratio | 9.3986% | 4,325 |
| Tier 1 risk-based capital ratio | 13.5038% | 4,003 |
| Total risk-based capital ratio | 14.7651% | 3,934 |
| Memoranda: | ||
| Average total assets | $187,074,600 | 3,091 |
| Average earning assets | $174,546,000 | 3,057 |
| Average equity | $17,577,000 | 3,445 |
| Average total loans | $118,834,400 | 3,071 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 2,975 |
| Cost of funding earning assets | 0.2861% | 4,492 |
| Net interest margin | 3.8066% | 2,357 |
| Noninterest income to average assets | 0.5084% | 3,309 |
| Noninterest expense to average assets | 2.5936% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4599% | 993 |
| Return on assets (ROA) | 1.4599% | 1,033 |
| Pretax return on assets | 1.4642% | 1,784 |
| Return on Equity (ROE) | 15.5255% | 662 |
| Retained earnings to average equity (ytd only) | -1.8225% | 5,841 |
| Net charge-offs to loans | -0.2265% | 6,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2018% | 4,536 |
| Assets per employee ($millions) | 3.5931% | 4,621 |
| Cash dividends to net income (ytd only)* | 111.7387% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3988% | 504 |
| Loan loss allowance to noncurrent loans | 156.5476% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 2,380 |
| Noncurrent loans to loans | 1.5323% | 1,634 |
| Net loans and leases to total assets | 63.0010% | 3,457 |
| Net loans and leases to deposits | 71.9193% | 3,780 |
| Net loans and leases to core deposits | 74.2722% | 3,989 |
| Total domestic deposits to total assets | 87.5996% | 1,746 |
| Equity capital to assets | 9.3256% | 4,975 |
| Core capital (leverage) ratio | 9.1379% | 4,827 |
| Tier 1 risk-based capital ratio | 12.9787% | 4,435 |
| Total risk-based capital ratio | 14.2403% | 4,355 |
| Memoranda: | ||
| Average total assets | $185,943,750 | 3,125 |
| Average earning assets | $173,379,500 | 3,092 |
| Average equity | $17,484,750 | 3,483 |
| Average total loans | $118,306,000 | 3,103 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 3,036 |
| Cost of funding earning assets | 0.2754% | 4,663 |
| Net interest margin | 3.7881% | 2,368 |
| Noninterest income to average assets | 0.5214% | 3,216 |
| Noninterest expense to average assets | 2.5996% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4447% | 1,002 |
| Return on assets (ROA) | 1.4447% | 1,038 |
| Pretax return on assets | 1.4490% | 1,805 |
| Return on Equity (ROE) | 15.3213% | 690 |
| Retained earnings to average equity (ytd only) | -3.8161% | 5,964 |
| Net charge-offs to loans | -0.0221% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4800% | 4,600 |
| Assets per employee ($millions) | 3.7163% | 4,389 |
| Cash dividends to net income (ytd only)* | 124.9068% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2814% | 649 |
| Loan loss allowance to noncurrent loans | 169.3801% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 2,839 |
| Noncurrent loans to loans | 1.3469% | 1,998 |
| Net loans and leases to total assets | 62.3532% | 3,501 |
| Net loans and leases to deposits | 70.7942% | 3,844 |
| Net loans and leases to core deposits | 72.1592% | 4,115 |
| Total domestic deposits to total assets | 88.0768% | 1,613 |
| Equity capital to assets | 9.2910% | 4,902 |
| Core capital (leverage) ratio | 9.1619% | 4,741 |
| Tier 1 risk-based capital ratio | 13.1312% | 4,435 |
| Total risk-based capital ratio | 14.3910% | 4,349 |
| Memoranda: | ||
| Average total assets | $185,645,000 | 3,155 |
| Average earning assets | $172,859,000 | 3,125 |
| Average equity | $17,505,000 | 3,499 |
| Average total loans | $117,540,000 | 3,131 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,451 |
| Cost of funding earning assets | 0.2784% | 4,686 |
| Net interest margin | 3.6633% | 2,764 |
| Noninterest income to average assets | 0.4247% | 3,809 |
| Noninterest expense to average assets | 2.5954% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2287% | 1,465 |
| Return on assets (ROA) | 1.2287% | 1,559 |
| Pretax return on assets | 1.2330% | 2,538 |
| Return on Equity (ROE) | 12.9358% | 1,111 |
| Retained earnings to average equity (ytd only) | -1.5886% | 5,635 |
| Net charge-offs to loans | -0.0273% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9910% | 4,158 |
| Assets per employee ($millions) | 3.6463% | 4,614 |
| Cash dividends to net income (ytd only)* | 112.2807% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3200% | 691 |
| Loan loss allowance to noncurrent loans | 199.5565% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 3,311 |
| Noncurrent loans to loans | 1.1626% | 2,444 |
| Net loans and leases to total assets | 61.1307% | 3,511 |
| Net loans and leases to deposits | 68.8816% | 3,870 |
| Net loans and leases to core deposits | 70.1972% | 4,132 |
| Total domestic deposits to total assets | 88.7475% | 1,421 |
| Equity capital to assets | 9.4682% | 4,786 |
| Core capital (leverage) ratio | 9.4307% | 4,380 |
| Tier 1 risk-based capital ratio | 13.8047% | 4,148 |
| Total risk-based capital ratio | 15.0658% | 4,061 |
| Memoranda: | ||
| Average total assets | $185,560,500 | 3,169 |
| Average earning assets | $172,415,000 | 3,145 |
| Average equity | $17,625,500 | 3,505 |
| Average total loans | $117,027,000 | 3,142 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 3,239 |
| Cost of funding earning assets | 0.3420% | 4,345 |
| Net interest margin | 3.7800% | 2,692 |
| Noninterest income to average assets | 0.4387% | 3,908 |
| Noninterest expense to average assets | 2.5932% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3667% | 1,146 |
| Return on assets (ROA) | 1.3667% | 1,191 |
| Pretax return on assets | 1.3722% | 1,992 |
| Return on Equity (ROE) | 14.2619% | 888 |
| Retained earnings to average equity (ytd only) | 1.2140% | 5,238 |
| Net charge-offs to loans | 0.0570% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 37.5303% | 1,144 |
| Efficiency ratio | 63.5792% | 4,651 |
| Assets per employee ($millions) | 3.5608% | 4,795 |
| Cash dividends to net income (ytd only)* | 91.4876% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2876% | 734 |
| Loan loss allowance to noncurrent loans | 213.9905% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 3,537 |
| Noncurrent loans to loans | 1.0690% | 2,685 |
| Net loans and leases to total assets | 62.0991% | 3,484 |
| Net loans and leases to deposits | 70.2664% | 3,875 |
| Net loans and leases to core deposits | 71.6121% | 4,165 |
| Total domestic deposits to total assets | 88.3767% | 1,579 |
| Equity capital to assets | 9.5290% | 4,691 |
| Core capital (leverage) ratio | 9.4901% | 4,254 |
| Tier 1 risk-based capital ratio | 13.5145% | 4,405 |
| Total risk-based capital ratio | 14.7748% | 4,337 |
| Memoranda: | ||
| Average total assets | $180,513,800 | 3,200 |
| Average earning assets | $168,413,800 | 3,177 |
| Average equity | $17,297,800 | 3,490 |
| Average total loans | $115,769,800 | 3,115 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 3,157 |
| Cost of funding earning assets | 0.3524% | 4,321 |
| Net interest margin | 3.8019% | 2,615 |
| Noninterest income to average assets | 0.4408% | 3,952 |
| Noninterest expense to average assets | 2.5513% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4288% | 1,074 |
| Return on assets (ROA) | 1.4288% | 1,111 |
| Pretax return on assets | 1.4340% | 1,873 |
| Return on Equity (ROE) | 14.8891% | 847 |
| Retained earnings to average equity (ytd only) | -2.5952% | 6,118 |
| Net charge-offs to loans | 0.0648% | 3,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 34.4487% | 1,251 |
| Efficiency ratio | 62.1899% | 4,860 |
| Assets per employee ($millions) | 3.4393% | 4,979 |
| Cash dividends to net income (ytd only)* | 117.4300% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2918% | 829 |
| Loan loss allowance to noncurrent loans | 203.3108% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 3,581 |
| Noncurrent loans to loans | 1.1272% | 2,806 |
| Net loans and leases to total assets | 64.4127% | 3,124 |
| Net loans and leases to deposits | 72.9335% | 3,577 |
| Net loans and leases to core deposits | 74.5009% | 3,894 |
| Total domestic deposits to total assets | 88.3171% | 1,595 |
| Equity capital to assets | 9.5431% | 4,738 |
| Core capital (leverage) ratio | 9.3137% | 4,622 |
| Tier 1 risk-based capital ratio | 12.9539% | 4,891 |
| Total risk-based capital ratio | 14.2141% | 4,805 |
| Memoranda: | ||
| Average total assets | $179,351,750 | 3,242 |
| Average earning assets | $167,209,750 | 3,218 |
| Average equity | $17,211,250 | 3,512 |
| Average total loans | $115,293,250 | 3,144 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,205 |
| Cost of funding earning assets | 0.3562% | 4,361 |
| Net interest margin | 3.7794% | 2,638 |
| Noninterest income to average assets | 0.4022% | 4,224 |
| Noninterest expense to average assets | 2.5189% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4004% | 1,061 |
| Return on assets (ROA) | 1.4004% | 1,102 |
| Pretax return on assets | 1.4060% | 1,872 |
| Return on Equity (ROE) | 14.5660% | 866 |
| Retained earnings to average equity (ytd only) | -4.8090% | 6,226 |
| Net charge-offs to loans | 0.0787% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 28.0444% | 1,318 |
| Efficiency ratio | 62.3332% | 4,961 |
| Assets per employee ($millions) | 3.6102% | 4,632 |
| Cash dividends to net income (ytd only)* | 133.0151% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3179% | 879 |
| Loan loss allowance to noncurrent loans | 180.6258% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 3,425 |
| Noncurrent loans to loans | 1.2832% | 2,660 |
| Net loans and leases to total assets | 63.3400% | 3,190 |
| Net loans and leases to deposits | 72.0416% | 3,562 |
| Net loans and leases to core deposits | 73.5737% | 3,884 |
| Total domestic deposits to total assets | 87.9214% | 1,949 |
| Equity capital to assets | 9.4255% | 4,817 |
| Core capital (leverage) ratio | 9.2205% | 4,706 |
| Tier 1 risk-based capital ratio | 12.9884% | 4,919 |
| Total risk-based capital ratio | 14.2489% | 4,851 |
| Memoranda: | ||
| Average total assets | $179,521,670 | 3,256 |
| Average earning assets | $167,328,330 | 3,228 |
| Average equity | $17,259,330 | 3,508 |
| Average total loans | $114,424,670 | 3,169 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 3,546 |
| Cost of funding earning assets | 0.3600% | 4,436 |
| Net interest margin | 3.6741% | 2,973 |
| Noninterest income to average assets | 0.4133% | 4,079 |
| Noninterest expense to average assets | 2.5046% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3227% | 1,155 |
| Return on assets (ROA) | 1.3227% | 1,205 |
| Pretax return on assets | 1.3294% | 1,996 |
| Return on Equity (ROE) | 13.6233% | 1,012 |
| Retained earnings to average equity (ytd only) | -0.5293% | 5,649 |
| Net charge-offs to loans | -0.0354% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4615% | 4,943 |
| Assets per employee ($millions) | 3.5859% | 4,756 |
| Cash dividends to net income (ytd only)* | 103.8851% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4221% | 888 |
| Loan loss allowance to noncurrent loans | 214.2415% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 3,911 |
| Noncurrent loans to loans | 1.1305% | 3,163 |
| Net loans and leases to total assets | 62.1957% | 3,207 |
| Net loans and leases to deposits | 70.6596% | 3,519 |
| Net loans and leases to core deposits | 71.9368% | 3,876 |
| Total domestic deposits to total assets | 88.0216% | 2,227 |
| Equity capital to assets | 9.6862% | 4,247 |
| Core capital (leverage) ratio | 9.4764% | 4,319 |
| Tier 1 risk-based capital ratio | 13.7931% | 4,473 |
| Total risk-based capital ratio | 15.0556% | 4,420 |
| Memoranda: | ||
| Average total assets | $179,027,500 | 3,287 |
| Average earning assets | $166,681,500 | 3,258 |
| Average equity | $17,382,000 | 3,498 |
| Average total loans | $113,113,000 | 3,202 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 3,151 |
| Cost of funding earning assets | 0.4112% | 4,529 |
| Net interest margin | 3.8389% | 2,503 |
| Noninterest income to average assets | 0.5727% | 3,257 |
| Noninterest expense to average assets | 2.6884% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4360% | 950 |
| Return on assets (ROA) | 1.4310% | 1,001 |
| Pretax return on assets | 1.4417% | 1,646 |
| Return on Equity (ROE) | 14.8136% | 801 |
| Retained earnings to average equity (ytd only) | 1.9724% | 4,829 |
| Net charge-offs to loans | 0.3255% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.9538% | 2,941 |
| Efficiency ratio | 63.2349% | 5,019 |
| Assets per employee ($millions) | 3.5752% | 4,744 |
| Cash dividends to net income (ytd only)* | 86.6851% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4638% | 862 |
| Loan loss allowance to noncurrent loans | 182.0462% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 3,726 |
| Noncurrent loans to loans | 1.3534% | 2,874 |
| Net loans and leases to total assets | 61.0798% | 3,518 |
| Net loans and leases to deposits | 70.1361% | 3,769 |
| Net loans and leases to core deposits | 71.4127% | 4,141 |
| Total domestic deposits to total assets | 87.0876% | 2,678 |
| Equity capital to assets | 9.7322% | 4,129 |
| Core capital (leverage) ratio | 9.4971% | 4,277 |
| Tier 1 risk-based capital ratio | 13.9672% | 4,315 |
| Total risk-based capital ratio | 15.2302% | 4,249 |
| Memoranda: | ||
| Average total assets | $176,873,600 | 3,307 |
| Average earning assets | $164,134,400 | 3,288 |
| Average equity | $17,085,600 | 3,551 |
| Average total loans | $113,050,400 | 3,188 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,060 |
| Cost of funding earning assets | 0.4237% | 4,571 |
| Net interest margin | 3.8611% | 2,415 |
| Noninterest income to average assets | 0.5948% | 3,180 |
| Noninterest expense to average assets | 2.7157% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4482% | 986 |
| Return on assets (ROA) | 1.4482% | 1,043 |
| Pretax return on assets | 1.4610% | 1,722 |
| Return on Equity (ROE) | 15.0202% | 795 |
| Retained earnings to average equity (ytd only) | -1.7090% | 6,230 |
| Net charge-offs to loans | 0.4200% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.4145% | 3,199 |
| Efficiency ratio | 63.2646% | 4,927 |
| Assets per employee ($millions) | 3.4538% | 4,943 |
| Cash dividends to net income (ytd only)* | 111.3779% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4349% | 1,005 |
| Loan loss allowance to noncurrent loans | 140.6298% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 3,385 |
| Noncurrent loans to loans | 1.7315% | 2,598 |
| Net loans and leases to total assets | 62.9882% | 3,166 |
| Net loans and leases to deposits | 72.0838% | 3,505 |
| Net loans and leases to core deposits | 73.4112% | 3,918 |
| Total domestic deposits to total assets | 87.3819% | 2,470 |
| Equity capital to assets | 9.5615% | 4,471 |
| Core capital (leverage) ratio | 9.3551% | 4,601 |
| Tier 1 risk-based capital ratio | 13.4357% | 4,808 |
| Total risk-based capital ratio | 14.6983% | 4,742 |
| Memoranda: | ||
| Average total assets | $176,402,500 | 3,344 |
| Average earning assets | $163,643,750 | 3,325 |
| Average equity | $17,007,750 | 3,601 |
| Average total loans | $113,327,250 | 3,200 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 2,857 |
| Cost of funding earning assets | 0.4327% | 4,631 |
| Net interest margin | 3.8910% | 2,239 |
| Noninterest income to average assets | 0.6663% | 2,816 |
| Noninterest expense to average assets | 2.6721% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5842% | 764 |
| Return on assets (ROA) | 1.5842% | 836 |
| Pretax return on assets | 1.6012% | 1,376 |
| Return on Equity (ROE) | 16.3863% | 621 |
| Retained earnings to average equity (ytd only) | -2.4849% | 6,247 |
| Net charge-offs to loans | 0.5230% | 1,263 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.7736% | 3,038 |
| Efficiency ratio | 60.8062% | 5,362 |
| Assets per employee ($millions) | 3.4072% | 5,043 |
| Cash dividends to net income (ytd only)* | 115.1645% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5041% | 983 |
| Loan loss allowance to noncurrent loans | 185.3307% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 3,963 |
| Noncurrent loans to loans | 1.3511% | 3,296 |
| Net loans and leases to total assets | 63.4089% | 3,020 |
| Net loans and leases to deposits | 72.2311% | 3,418 |
| Net loans and leases to core deposits | 73.4900% | 3,874 |
| Total domestic deposits to total assets | 87.7861% | 2,391 |
| Equity capital to assets | 9.6956% | 4,321 |
| Core capital (leverage) ratio | 9.3287% | 4,495 |
| Tier 1 risk-based capital ratio | 13.5223% | 4,752 |
| Total risk-based capital ratio | 14.7861% | 4,702 |
| Memoranda: | ||
| Average total assets | $176,488,670 | 3,353 |
| Average earning assets | $163,606,670 | 3,338 |
| Average equity | $17,063,000 | 3,613 |
| Average total loans | $113,196,670 | 3,207 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 2,937 |
| Cost of funding earning assets | 0.4400% | 4,706 |
| Net interest margin | 3.8478% | 2,291 |
| Noninterest income to average assets | 0.6095% | 3,086 |
| Noninterest expense to average assets | 2.6292% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5091% | 843 |
| Return on assets (ROA) | 1.5091% | 919 |
| Pretax return on assets | 1.5406% | 1,452 |
| Return on Equity (ROE) | 15.6315% | 658 |
| Retained earnings to average equity (ytd only) | 5.1484% | 3,143 |
| Net charge-offs to loans | 0.0636% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 38.0556% | 824 |
| Efficiency ratio | 61.3269% | 5,402 |
| Assets per employee ($millions) | 3.4753% | 5,031 |
| Cash dividends to net income (ytd only)* | 67.0641% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7403% | 872 |
| Loan loss allowance to noncurrent loans | 180.3831% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 3,800 |
| Noncurrent loans to loans | 1.5192% | 3,269 |
| Net loans and leases to total assets | 62.2364% | 3,014 |
| Net loans and leases to deposits | 70.5337% | 3,389 |
| Net loans and leases to core deposits | 71.8059% | 3,845 |
| Total domestic deposits to total assets | 88.2364% | 2,173 |
| Equity capital to assets | 9.7499% | 4,501 |
| Core capital (leverage) ratio | 9.5823% | 3,953 |
| Tier 1 risk-based capital ratio | 13.2336% | 5,054 |
| Total risk-based capital ratio | 14.4986% | 4,994 |
| Memoranda: | ||
| Average total assets | $177,848,500 | 3,371 |
| Average earning assets | $164,561,000 | 3,365 |
| Average equity | $17,170,500 | 3,637 |
| Average total loans | $113,287,500 | 3,226 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 1,721 |
| Cost of funding earning assets | 0.6321% | 4,080 |
| Net interest margin | 4.3058% | 1,393 |
| Noninterest income to average assets | 0.5756% | 3,412 |
| Noninterest expense to average assets | 2.7141% | 4,348 |
| Loan and lease loss provision to assets | 0.3166% | 2,158 |
| Net operating income to assets | 1.4888% | 936 |
| Return on assets (ROA) | 1.4905% | 1,028 |
| Pretax return on assets | 1.4905% | 1,703 |
| Return on Equity (ROE) | 15.3704% | 749 |
| Retained earnings to average equity (ytd only) | 1.8542% | 4,914 |
| Net charge-offs to loans | 0.7821% | 1,497 |
| Credit loss provision to net charge-offs | 59.9572% | 4,448 |
| Earnings coverage of net charge-offs (x) | 3.4186% | 3,732 |
| Efficiency ratio | 58.4261% | 5,773 |
| Assets per employee ($millions) | 3.4991% | 5,006 |
| Cash dividends to net income (ytd only)* | 87.9363% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7625% | 860 |
| Loan loss allowance to noncurrent loans | 168.6994% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 3,751 |
| Noncurrent loans to loans | 1.6375% | 3,165 |
| Net loans and leases to total assets | 61.6581% | 3,304 |
| Net loans and leases to deposits | 70.3278% | 3,665 |
| Net loans and leases to core deposits | 71.5855% | 4,093 |
| Total domestic deposits to total assets | 87.6725% | 2,432 |
| Equity capital to assets | 9.5598% | 4,807 |
| Core capital (leverage) ratio | 9.4176% | 4,234 |
| Tier 1 risk-based capital ratio | 12.9710% | 5,126 |
| Total risk-based capital ratio | 14.1780% | 5,103 |
| Memoranda: | ||
| Average total assets | $176,852,800 | 3,349 |
| Average earning assets | $161,991,200 | 3,349 |
| Average equity | $17,149,800 | 3,599 |
| Average total loans | $119,425,800 | 3,090 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 2,360 |
| Cost of funding earning assets | 0.6169% | 4,481 |
| Net interest margin | 4.1922% | 1,760 |
| Noninterest income to average assets | 0.5629% | 3,525 |
| Noninterest expense to average assets | 2.7323% | 4,245 |
| Loan and lease loss provision to assets | 0.1889% | 3,229 |
| Net operating income to assets | 1.4772% | 1,062 |
| Return on assets (ROA) | 1.4795% | 1,176 |
| Pretax return on assets | 1.4795% | 1,957 |
| Return on Equity (ROE) | 15.2024% | 864 |
| Retained earnings to average equity (ytd only) | 3.4085% | 4,466 |
| Net charge-offs to loans | 0.5345% | 2,001 |
| Credit loss provision to net charge-offs | 51.5464% | 4,362 |
| Earnings coverage of net charge-offs (x) | 4.5464% | 3,276 |
| Efficiency ratio | 60.4535% | 5,426 |
| Assets per employee ($millions) | 3.4325% | 5,137 |
| Cash dividends to net income (ytd only)* | 77.5791% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7866% | 894 |
| Loan loss allowance to noncurrent loans | 144.2775% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 2.5946% | 2,035 |
| Noncurrent loans to loans | 1.9314% | 2,924 |
| Net loans and leases to total assets | 66.3681% | 2,579 |
| Net loans and leases to deposits | 76.1409% | 2,960 |
| Net loans and leases to core deposits | 77.8462% | 3,482 |
| Total domestic deposits to total assets | 87.1649% | 2,579 |
| Equity capital to assets | 10.0109% | 4,481 |
| Core capital (leverage) ratio | 9.5921% | 4,126 |
| Tier 1 risk-based capital ratio | 13.9042% | 4,607 |
| Total risk-based capital ratio | 15.1877% | 4,526 |
| Memoranda: | ||
| Average total assets | $176,452,250 | 3,405 |
| Average earning assets | $161,438,000 | 3,394 |
| Average equity | $17,172,250 | 3,628 |
| Average total loans | $120,992,750 | 3,096 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 2,274 |
| Cost of funding earning assets | 0.6326% | 4,602 |
| Net interest margin | 4.2257% | 1,681 |
| Noninterest income to average assets | 0.5874% | 3,338 |
| Noninterest expense to average assets | 2.7474% | 4,226 |
| Loan and lease loss provision to assets | 0.1977% | 3,106 |
| Net operating income to assets | 1.4916% | 1,008 |
| Return on assets (ROA) | 1.4927% | 1,123 |
| Pretax return on assets | 1.4927% | 1,871 |
| Return on Equity (ROE) | 15.4811% | 858 |
| Retained earnings to average equity (ytd only) | 10.6119% | 827 |
| Net charge-offs to loans | 0.2061% | 3,336 |
| Credit loss provision to net charge-offs | 139.6825% | 1,972 |
| Earnings coverage of net charge-offs (x) | 11.9365% | 1,926 |
| Efficiency ratio | 60.2785% | 5,533 |
| Assets per employee ($millions) | 3.5422% | 4,887 |
| Cash dividends to net income (ytd only)* | 31.4522% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9543% | 819 |
| Loan loss allowance to noncurrent loans | 94.9452% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 3.3601% | 1,600 |
| Noncurrent loans to loans | 3.1116% | 1,886 |
| Net loans and leases to total assets | 65.8440% | 2,705 |
| Net loans and leases to deposits | 76.1438% | 2,969 |
| Net loans and leases to core deposits | 77.9361% | 3,527 |
| Total domestic deposits to total assets | 86.4732% | 3,086 |
| Equity capital to assets | 9.9674% | 4,385 |
| Core capital (leverage) ratio | 9.6769% | 3,876 |
| Tier 1 risk-based capital ratio | 14.0745% | 4,387 |
| Total risk-based capital ratio | 15.3616% | 4,327 |
| Memoranda: | ||
| Average total assets | $178,062,000 | 3,386 |
| Average earning assets | $162,196,670 | 3,382 |
| Average equity | $17,169,330 | 3,616 |
| Average total loans | $122,267,670 | 3,083 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8650% | 2,371 |
| Cost of funding earning assets | 0.6414% | 4,811 |
| Net interest margin | 4.2236% | 1,691 |
| Noninterest income to average assets | 0.5691% | 3,432 |
| Noninterest expense to average assets | 2.8296% | 3,902 |
| Loan and lease loss provision to assets | 0.3943% | 1,603 |
| Net operating income to assets | 1.2546% | 1,590 |
| Return on assets (ROA) | 1.2546% | 1,761 |
| Pretax return on assets | 1.2546% | 2,708 |
| Return on Equity (ROE) | 13.2329% | 1,338 |
| Retained earnings to average equity (ytd only) | 8.7668% | 1,677 |
| Net charge-offs to loans | 0.0097% | 4,589 |
| Credit loss provision to net charge-offs | 5,866.6667% | 40 |
| Earnings coverage of net charge-offs (x) | 245.3333% | 147 |
| Efficiency ratio | 61.5308% | 5,365 |
| Assets per employee ($millions) | 3.4696% | 5,185 |
| Cash dividends to net income (ytd only)* | 33.7500% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9802% | 850 |
| Loan loss allowance to noncurrent loans | 90.6690% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 3.4976% | 1,647 |
| Noncurrent loans to loans | 3.2869% | 1,942 |
| Net loans and leases to total assets | 67.5743% | 2,194 |
| Net loans and leases to deposits | 77.4641% | 2,598 |
| Net loans and leases to core deposits | 79.4219% | 3,123 |
| Total domestic deposits to total assets | 87.2330% | 2,810 |
| Equity capital to assets | 9.6711% | 4,561 |
| Core capital (leverage) ratio | 9.3082% | 4,351 |
| Tier 1 risk-based capital ratio | 13.2963% | 4,989 |
| Total risk-based capital ratio | 14.5830% | 4,940 |
| Memoranda: | ||
| Average total assets | $178,539,000 | 3,402 |
| Average earning assets | $165,263,500 | 3,361 |
| Average equity | $16,927,500 | 3,661 |
| Average total loans | $123,319,000 | 3,077 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5077% | 1,158 |
| Cost of funding earning assets | 0.9636% | 3,617 |
| Net interest margin | 4.5441% | 1,035 |
| Noninterest income to average assets | 0.5037% | 3,821 |
| Noninterest expense to average assets | 2.6075% | 5,066 |
| Loan and lease loss provision to assets | 0.7556% | 1,331 |
| Net operating income to assets | 1.0514% | 1,997 |
| Return on assets (ROA) | 1.0519% | 2,137 |
| Pretax return on assets | 1.0563% | 3,016 |
| Return on Equity (ROE) | 11.6408% | 1,515 |
| Retained earnings to average equity (ytd only) | 1.9796% | 4,805 |
| Net charge-offs to loans | 0.7770% | 2,213 |
| Credit loss provision to net charge-offs | 134.0798% | 2,252 |
| Earnings coverage of net charge-offs (x) | 3.2142% | 3,611 |
| Efficiency ratio | 57.3948% | 6,129 |
| Assets per employee ($millions) | 3.6026% | 4,764 |
| Cash dividends to net income (ytd only)* | 82.9943% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8365% | 942 |
| Loan loss allowance to noncurrent loans | 79.5816% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 2.5176% | 2,412 |
| Noncurrent loans to loans | 3.5642% | 1,796 |
| Net loans and leases to total assets | 66.5595% | 2,671 |
| Net loans and leases to deposits | 76.5229% | 3,088 |
| Net loans and leases to core deposits | 78.6462% | 3,609 |
| Total domestic deposits to total assets | 86.9799% | 2,773 |
| Equity capital to assets | 9.2945% | 5,157 |
| Core capital (leverage) ratio | 8.9880% | 4,810 |
| Tier 1 risk-based capital ratio | 12.9430% | 5,116 |
| Total risk-based capital ratio | 14.2377% | 5,056 |
| Memoranda: | ||
| Average total assets | $182,240,600 | 3,295 |
| Average earning assets | $157,017,800 | 3,451 |
| Average equity | $16,468,000 | 3,655 |
| Average total loans | $132,175,600 | 2,950 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 779 |
| Cost of funding earning assets | 1.0445% | 3,359 |
| Net interest margin | 4.7016% | 762 |
| Noninterest income to average assets | 0.4961% | 3,893 |
| Noninterest expense to average assets | 2.4562% | 5,603 |
| Loan and lease loss provision to assets | 0.9301% | 949 |
| Net operating income to assets | 1.0884% | 2,018 |
| Return on assets (ROA) | 1.0891% | 2,154 |
| Pretax return on assets | 1.0935% | 3,042 |
| Return on Equity (ROE) | 12.1383% | 1,513 |
| Retained earnings to average equity (ytd only) | 2.4634% | 4,891 |
| Net charge-offs to loans | 0.8414% | 1,892 |
| Credit loss provision to net charge-offs | 150.3538% | 2,077 |
| Earnings coverage of net charge-offs (x) | 3.2700% | 3,513 |
| Efficiency ratio | 54.8371% | 6,404 |
| Assets per employee ($millions) | 3.4510% | 5,119 |
| Cash dividends to net income (ytd only)* | 79.7053% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8316% | 1,006 |
| Loan loss allowance to noncurrent loans | 81.4250% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 2.7608% | 2,355 |
| Noncurrent loans to loans | 3.4775% | 1,976 |
| Net loans and leases to total assets | 69.7428% | 2,129 |
| Net loans and leases to deposits | 79.9599% | 2,661 |
| Net loans and leases to core deposits | 82.6174% | 3,241 |
| Total domestic deposits to total assets | 87.2222% | 2,514 |
| Equity capital to assets | 9.4994% | 5,089 |
| Core capital (leverage) ratio | 8.9360% | 5,037 |
| Tier 1 risk-based capital ratio | 12.6280% | 5,387 |
| Total risk-based capital ratio | 13.9242% | 5,326 |
| Memoranda: | ||
| Average total assets | $182,768,500 | 3,307 |
| Average earning assets | $154,837,750 | 3,518 |
| Average equity | $16,399,500 | 3,674 |
| Average total loans | $134,371,250 | 2,934 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7174% | 849 |
| Cost of funding earning assets | 1.0680% | 3,491 |
| Net interest margin | 4.6494% | 817 |
| Noninterest income to average assets | 0.4810% | 4,015 |
| Noninterest expense to average assets | 2.4959% | 5,553 |
| Loan and lease loss provision to assets | 0.9891% | 882 |
| Net operating income to assets | 0.9588% | 2,400 |
| Return on assets (ROA) | 0.9588% | 2,502 |
| Pretax return on assets | 0.9631% | 3,383 |
| Return on Equity (ROE) | 10.8881% | 1,836 |
| Retained earnings to average equity (ytd only) | -0.2823% | 5,903 |
| Net charge-offs to loans | 1.1237% | 1,398 |
| Credit loss provision to net charge-offs | 118.8312% | 2,584 |
| Earnings coverage of net charge-offs (x) | 2.3455% | 3,653 |
| Efficiency ratio | 56.1118% | 6,412 |
| Assets per employee ($millions) | 3.4633% | 5,045 |
| Cash dividends to net income (ytd only)* | 102.5930% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4850% | 1,466 |
| Loan loss allowance to noncurrent loans | 133.4008% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 1.7802% | 3,536 |
| Noncurrent loans to loans | 1.8628% | 3,659 |
| Net loans and leases to total assets | 71.7972% | 1,826 |
| Net loans and leases to deposits | 82.3248% | 2,403 |
| Net loans and leases to core deposits | 84.8365% | 3,095 |
| Total domestic deposits to total assets | 87.2121% | 2,616 |
| Equity capital to assets | 9.1026% | 5,434 |
| Core capital (leverage) ratio | 8.5464% | 5,482 |
| Tier 1 risk-based capital ratio | 11.7719% | 5,957 |
| Total risk-based capital ratio | 13.0820% | 5,894 |
| Memoranda: | ||
| Average total assets | $185,024,330 | 3,299 |
| Average earning assets | $157,869,670 | 3,481 |
| Average equity | $16,293,000 | 3,682 |
| Average total loans | $137,053,330 | 2,914 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6729% | 934 |
| Cost of funding earning assets | 1.0765% | 3,682 |
| Net interest margin | 4.5964% | 867 |
| Noninterest income to average assets | 0.3093% | 5,452 |
| Noninterest expense to average assets | 2.5047% | 5,531 |
| Loan and lease loss provision to assets | 1.0027% | 765 |
| Net operating income to assets | 0.7147% | 3,455 |
| Return on assets (ROA) | 0.7147% | 3,520 |
| Pretax return on assets | 0.7190% | 4,226 |
| Return on Equity (ROE) | 8.2497% | 2,800 |
| Retained earnings to average equity (ytd only) | -8.5206% | 6,783 |
| Net charge-offs to loans | 0.3102% | 2,804 |
| Credit loss provision to net charge-offs | 435.1852% | 797 |
| Earnings coverage of net charge-offs (x) | 7.4722% | 1,942 |
| Efficiency ratio | 59.2630% | 6,088 |
| Assets per employee ($millions) | 3.5643% | 4,842 |
| Cash dividends to net income (ytd only)* | 203.2836% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5641% | 1,364 |
| Loan loss allowance to noncurrent loans | 87.4284% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3044% | 2,944 |
| Noncurrent loans to loans | 2.9328% | 2,559 |
| Net loans and leases to total assets | 72.0047% | 1,725 |
| Net loans and leases to deposits | 81.9924% | 2,365 |
| Net loans and leases to core deposits | 84.5460% | 3,093 |
| Total domestic deposits to total assets | 87.8187% | 2,474 |
| Equity capital to assets | 8.6705% | 5,692 |
| Core capital (leverage) ratio | 8.2290% | 5,938 |
| Tier 1 risk-based capital ratio | 11.2228% | 6,332 |
| Total risk-based capital ratio | 12.5052% | 6,280 |
| Memoranda: | ||
| Average total assets | $187,490,500 | 3,278 |
| Average earning assets | $159,778,000 | 3,469 |
| Average equity | $16,243,000 | 3,685 |
| Average total loans | $139,282,000 | 2,904 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7723% | 1,350 |
| Cost of funding earning assets | 1.4955% | 2,668 |
| Net interest margin | 4.2768% | 1,898 |
| Noninterest income to average assets | 0.6302% | 3,282 |
| Noninterest expense to average assets | 2.6612% | 5,170 |
| Loan and lease loss provision to assets | 1.2313% | 1,263 |
| Net operating income to assets | 0.2080% | 5,247 |
| Return on assets (ROA) | 0.2073% | 5,419 |
| Pretax return on assets | 0.5801% | 4,383 |
| Return on Equity (ROE) | 2.5415% | 5,159 |
| Retained earnings to average equity (ytd only) | 2.1399% | 4,389 |
| Net charge-offs to loans | 1.1827% | 1,886 |
| Credit loss provision to net charge-offs | 138.9370% | 2,739 |
| Earnings coverage of net charge-offs (x) | 2.0451% | 4,198 |
| Efficiency ratio | 57.9995% | 6,334 |
| Assets per employee ($millions) | 3.6469% | 4,591 |
| Cash dividends to net income (ytd only)* | 15.8025% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2246% | 1,834 |
| Loan loss allowance to noncurrent loans | 77.6244% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 2.3408% | 2,928 |
| Noncurrent loans to loans | 2.8659% | 2,660 |
| Net loans and leases to total assets | 73.0056% | 1,868 |
| Net loans and leases to deposits | 83.3506% | 2,560 |
| Net loans and leases to core deposits | 85.6557% | 3,373 |
| Total domestic deposits to total assets | 87.5885% | 2,494 |
| Equity capital to assets | 8.6564% | 5,648 |
| Core capital (leverage) ratio | 8.3932% | 5,546 |
| Tier 1 risk-based capital ratio | 11.2220% | 6,166 |
| Total risk-based capital ratio | 12.4844% | 6,133 |
| Memoranda: | ||
| Average total assets | $195,325,200 | 3,158 |
| Average earning assets | $175,528,200 | 3,178 |
| Average equity | $15,935,200 | 3,779 |
| Average total loans | $146,355,600 | 2,834 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7677% | 1,489 |
| Cost of funding earning assets | 1.5893% | 2,447 |
| Net interest margin | 4.1784% | 2,299 |
| Noninterest income to average assets | 0.5347% | 3,910 |
| Noninterest expense to average assets | 2.7141% | 4,820 |
| Loan and lease loss provision to assets | 1.0606% | 1,389 |
| Net operating income to assets | 0.0651% | 5,855 |
| Return on assets (ROA) | 0.0651% | 5,994 |
| Pretax return on assets | 0.5584% | 4,729 |
| Return on Equity (ROE) | 0.8094% | 5,947 |
| Retained earnings to average equity (ytd only) | 0.2698% | 5,676 |
| Net charge-offs to loans | 1.1793% | 1,729 |
| Credit loss provision to net charge-offs | 119.9234% | 3,441 |
| Earnings coverage of net charge-offs (x) | 1.8306% | 4,338 |
| Efficiency ratio | 61.1198% | 5,769 |
| Assets per employee ($millions) | 3.5023% | 4,974 |
| Cash dividends to net income (ytd only)* | 66.6641% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 2,562 |
| Loan loss allowance to noncurrent loans | 64.1802% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.6395% | 2,745 |
| Noncurrent loans to loans | 2.9191% | 2,734 |
| Net loans and leases to total assets | 78.6840% | 930 |
| Net loans and leases to deposits | 90.0522% | 1,713 |
| Net loans and leases to core deposits | 92.4814% | 2,731 |
| Total domestic deposits to total assets | 87.3760% | 2,332 |
| Equity capital to assets | 8.8441% | 5,790 |
| Core capital (leverage) ratio | 8.1868% | 6,064 |
| Tier 1 risk-based capital ratio | 10.6315% | 6,687 |
| Total risk-based capital ratio | 11.8899% | 6,669 |
| Memoranda: | ||
| Average total assets | $196,746,750 | 3,180 |
| Average earning assets | $178,853,500 | 3,176 |
| Average equity | $15,815,000 | 3,841 |
| Average total loans | $147,545,250 | 2,848 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6949% | 1,785 |
| Cost of funding earning assets | 1.6263% | 2,505 |
| Net interest margin | 4.0685% | 2,705 |
| Noninterest income to average assets | 0.5357% | 3,830 |
| Noninterest expense to average assets | 2.7249% | 4,812 |
| Loan and lease loss provision to assets | 0.7092% | 2,051 |
| Net operating income to assets | 0.0794% | 5,924 |
| Return on assets (ROA) | 0.0794% | 6,029 |
| Pretax return on assets | 0.8015% | 3,875 |
| Return on Equity (ROE) | 1.0180% | 5,952 |
| Retained earnings to average equity (ytd only) | 0.2036% | 5,668 |
| Net charge-offs to loans | 0.9038% | 2,027 |
| Credit loss provision to net charge-offs | 106.8759% | 3,820 |
| Earnings coverage of net charge-offs (x) | 2.2765% | 3,867 |
| Efficiency ratio | 62.8103% | 5,555 |
| Assets per employee ($millions) | 3.9192% | 3,930 |
| Cash dividends to net income (ytd only)* | 80.0000% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 2,993 |
| Loan loss allowance to noncurrent loans | 114.1693% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.5169% | 4,181 |
| Noncurrent loans to loans | 1.5076% | 4,448 |
| Net loans and leases to total assets | 74.9845% | 1,700 |
| Net loans and leases to deposits | 85.0637% | 2,693 |
| Net loans and leases to core deposits | 87.1935% | 3,664 |
| Total domestic deposits to total assets | 88.1510% | 1,929 |
| Equity capital to assets | 8.3789% | 6,321 |
| Core capital (leverage) ratio | 7.6461% | 6,683 |
| Tier 1 risk-based capital ratio | 10.5634% | 6,639 |
| Total risk-based capital ratio | 11.7983% | 6,642 |
| Memoranda: | ||
| Average total assets | $201,622,000 | 3,140 |
| Average earning assets | $183,358,000 | 3,158 |
| Average equity | $15,717,670 | 3,851 |
| Average total loans | $148,048,330 | 2,872 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 2,865 |
| Cost of funding earning assets | 1.6554% | 2,621 |
| Net interest margin | 3.7842% | 3,859 |
| Noninterest income to average assets | 0.6162% | 3,160 |
| Noninterest expense to average assets | 2.6394% | 5,188 |
| Loan and lease loss provision to assets | 0.7751% | 1,628 |
| Net operating income to assets | 0.1473% | 5,870 |
| Return on assets (ROA) | 0.1473% | 5,994 |
| Pretax return on assets | 0.7189% | 4,168 |
| Return on Equity (ROE) | 1.9574% | 5,780 |
| Retained earnings to average equity (ytd only) | 0.3091% | 5,706 |
| Net charge-offs to loans | 0.5295% | 2,478 |
| Credit loss provision to net charge-offs | 203.0457% | 1,832 |
| Earnings coverage of net charge-offs (x) | 3.9137% | 2,750 |
| Efficiency ratio | 62.3535% | 5,763 |
| Assets per employee ($millions) | 4.0795% | 3,683 |
| Cash dividends to net income (ytd only)* | 84.2105% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,672 |
| Loan loss allowance to noncurrent loans | 74.1079% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 2.2204% | 3,251 |
| Noncurrent loans to loans | 2.4540% | 3,219 |
| Net loans and leases to total assets | 70.9064% | 2,718 |
| Net loans and leases to deposits | 81.8742% | 3,302 |
| Net loans and leases to core deposits | 83.8304% | 4,229 |
| Total domestic deposits to total assets | 86.6041% | 2,841 |
| Equity capital to assets | 7.6172% | 6,985 |
| Core capital (leverage) ratio | 7.1246% | 7,161 |
| Tier 1 risk-based capital ratio | 9.8234% | 7,136 |
| Total risk-based capital ratio | 11.0801% | 7,131 |
| Memoranda: | ||
| Average total assets | $206,412,500 | 3,137 |
| Average earning assets | $191,852,500 | 3,097 |
| Average equity | $15,531,000 | 3,913 |
| Average total loans | $148,811,000 | 2,919 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0051% | 1,844 |
| Cost of funding earning assets | 2.0867% | 2,531 |
| Net interest margin | 3.9184% | 3,198 |
| Noninterest income to average assets | 0.6206% | 3,483 |
| Noninterest expense to average assets | 2.7332% | 5,227 |
| Loan and lease loss provision to assets | 0.8602% | 2,586 |
| Net operating income to assets | 0.5016% | 3,720 |
| Return on assets (ROA) | 0.4997% | 3,826 |
| Pretax return on assets | 0.6831% | 3,632 |
| Return on Equity (ROE) | 6.2849% | 3,087 |
| Retained earnings to average equity (ytd only) | 1.6485% | 3,930 |
| Net charge-offs to loans | 0.2803% | 4,878 |
| Credit loss provision to net charge-offs | 414.8148% | 761 |
| Earnings coverage of net charge-offs (x) | 7.4543% | 2,143 |
| Efficiency ratio | 62.3190% | 6,102 |
| Assets per employee ($millions) | 4.0951% | 3,626 |
| Cash dividends to net income (ytd only)* | 73.7705% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 3,097 |
| Loan loss allowance to noncurrent loans | 76.2785% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.8324% | 3,625 |
| Noncurrent loans to loans | 2.1595% | 3,444 |
| Net loans and leases to total assets | 70.7855% | 3,057 |
| Net loans and leases to deposits | 81.8180% | 3,647 |
| Net loans and leases to core deposits | 96.0723% | 4,461 |
| Total domestic deposits to total assets | 86.5158% | 2,755 |
| Equity capital to assets | 7.4335% | 7,094 |
| Core capital (leverage) ratio | 7.1026% | 7,151 |
| Tier 1 risk-based capital ratio | 9.6399% | 7,129 |
| Total risk-based capital ratio | 10.8948% | 7,105 |
| Memoranda: | ||
| Average total assets | $195,300,000 | 3,234 |
| Average earning assets | $182,345,200 | 3,194 |
| Average equity | $15,529,200 | 3,964 |
| Average total loans | $144,475,800 | 3,008 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0162% | 1,967 |
| Cost of funding earning assets | 2.1661% | 2,569 |
| Net interest margin | 3.8500% | 3,433 |
| Noninterest income to average assets | 0.5912% | 3,774 |
| Noninterest expense to average assets | 2.7797% | 4,977 |
| Loan and lease loss provision to assets | 0.2501% | 4,951 |
| Net operating income to assets | 0.7902% | 2,857 |
| Return on assets (ROA) | 0.7878% | 2,928 |
| Pretax return on assets | 1.1574% | 2,388 |
| Return on Equity (ROE) | 9.7356% | 2,017 |
| Retained earnings to average equity (ytd only) | 5.7521% | 2,076 |
| Net charge-offs to loans | 0.0671% | 6,024 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 28.2076% | 971 |
| Efficiency ratio | 64.7215% | 5,610 |
| Assets per employee ($millions) | 4.0073% | 3,720 |
| Cash dividends to net income (ytd only)* | 40.9171% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 6,295 |
| Loan loss allowance to noncurrent loans | 40.9629% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 1.8292% | 3,609 |
| Noncurrent loans to loans | 2.4401% | 3,089 |
| Net loans and leases to total assets | 73.6053% | 2,645 |
| Net loans and leases to deposits | 85.4877% | 3,416 |
| Net loans and leases to core deposits | 101.4522% | 4,218 |
| Total domestic deposits to total assets | 86.1004% | 2,650 |
| Equity capital to assets | 7.9549% | 6,891 |
| Core capital (leverage) ratio | 7.5806% | 6,884 |
| Tier 1 risk-based capital ratio | 10.0231% | 6,956 |
| Total risk-based capital ratio | 11.0247% | 7,124 |
| Memoranda: | ||
| Average total assets | $191,912,000 | 3,294 |
| Average earning assets | $179,423,250 | 3,242 |
| Average equity | $15,530,250 | 3,996 |
| Average total loans | $143,016,500 | 3,061 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1715% | 1,553 |
| Cost of funding earning assets | 2.1875% | 2,852 |
| Net interest margin | 3.9840% | 2,768 |
| Noninterest income to average assets | 0.6135% | 3,577 |
| Noninterest expense to average assets | 2.8356% | 4,801 |
| Loan and lease loss provision to assets | 0.2538% | 4,544 |
| Net operating income to assets | 0.8423% | 2,689 |
| Return on assets (ROA) | 0.8387% | 2,800 |
| Pretax return on assets | 1.2364% | 2,204 |
| Return on Equity (ROE) | 10.3027% | 1,913 |
| Retained earnings to average equity (ytd only) | 4.2744% | 2,924 |
| Net charge-offs to loans | 0.0043% | 6,551 |
| Credit loss provision to net charge-offs | 8,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 471.3333% | 67 |
| Efficiency ratio | 63.8828% | 5,940 |
| Assets per employee ($millions) | 3.8448% | 3,989 |
| Cash dividends to net income (ytd only)* | 58.5120% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 6,304 |
| Loan loss allowance to noncurrent loans | 26.3563% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 2.8381% | 2,258 |
| Noncurrent loans to loans | 3.7688% | 1,824 |
| Net loans and leases to total assets | 74.5577% | 2,554 |
| Net loans and leases to deposits | 87.2510% | 3,311 |
| Net loans and leases to core deposits | 102.1226% | 4,277 |
| Total domestic deposits to total assets | 85.4520% | 3,042 |
| Equity capital to assets | 8.1139% | 6,615 |
| Core capital (leverage) ratio | 7.7563% | 6,669 |
| Tier 1 risk-based capital ratio | 10.1303% | 6,799 |
| Total risk-based capital ratio | 11.1330% | 6,987 |
| Memoranda: | ||
| Average total assets | $189,094,000 | 3,348 |
| Average earning assets | $176,457,000 | 3,309 |
| Average equity | $15,394,000 | 4,041 |
| Average total loans | $141,032,330 | 3,124 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2513% | 1,441 |
| Cost of funding earning assets | 2.2331% | 3,002 |
| Net interest margin | 4.0182% | 2,575 |
| Noninterest income to average assets | 0.7231% | 2,745 |
| Noninterest expense to average assets | 2.7879% | 4,603 |
| Loan and lease loss provision to assets | 0.2560% | 3,920 |
| Net operating income to assets | 0.9571% | 2,489 |
| Return on assets (ROA) | 0.9514% | 2,639 |
| Pretax return on assets | 1.4206% | 1,910 |
| Return on Equity (ROE) | 11.6662% | 1,768 |
| Retained earnings to average equity (ytd only) | 1.2032% | 5,159 |
| Net charge-offs to loans | 0.0029% | 5,692 |
| Credit loss provision to net charge-offs | 12,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 790.0000% | 21 |
| Efficiency ratio | 60.8011% | 6,279 |
| Assets per employee ($millions) | 3.8650% | 3,951 |
| Cash dividends to net income (ytd only)* | 89.6861% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,580 |
| Loan loss allowance to noncurrent loans | 30.3518% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 2.4989% | 2,300 |
| Noncurrent loans to loans | 3.0828% | 2,103 |
| Net loans and leases to total assets | 75.3310% | 2,424 |
| Net loans and leases to deposits | 87.4501% | 3,391 |
| Net loans and leases to core deposits | 102.1885% | 4,325 |
| Total domestic deposits to total assets | 86.1417% | 2,641 |
| Equity capital to assets | 8.2552% | 6,459 |
| Core capital (leverage) ratio | 7.6276% | 6,987 |
| Tier 1 risk-based capital ratio | 10.1158% | 6,796 |
| Total risk-based capital ratio | 11.0554% | 7,042 |
| Memoranda: | ||
| Average total assets | $187,521,500 | 3,389 |
| Average earning assets | $175,003,000 | 3,350 |
| Average equity | $15,292,000 | 4,085 |
| Average total loans | $139,165,000 | 3,184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5842% | 2,558 |
| Cost of funding earning assets | 2.7359% | 2,993 |
| Net interest margin | 3.8482% | 3,800 |
| Noninterest income to average assets | 0.5883% | 3,936 |
| Noninterest expense to average assets | 2.5079% | 5,972 |
| Loan and lease loss provision to assets | 0.3435% | 3,647 |
| Net operating income to assets | 0.8937% | 3,029 |
| Return on assets (ROA) | 0.8929% | 2,873 |
| Pretax return on assets | 1.3232% | 2,227 |
| Return on Equity (ROE) | 11.2163% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.9405% | 620 |
| Net charge-offs to loans | 0.3095% | 3,322 |
| Credit loss provision to net charge-offs | 164.5995% | 3,128 |
| Earnings coverage of net charge-offs (x) | 7.9922% | 2,968 |
| Efficiency ratio | 58.3807% | 6,629 |
| Assets per employee ($millions) | 4.0324% | 3,445 |
| Cash dividends to net income (ytd only)* | 20.2899% | 4,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 6,792 |
| Loan loss allowance to noncurrent loans | 49.6486% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 3,306 |
| Noncurrent loans to loans | 1.7624% | 3,121 |
| Net loans and leases to total assets | 71.7881% | 3,634 |
| Net loans and leases to deposits | 83.2543% | 4,531 |
| Net loans and leases to core deposits | 96.0942% | 5,249 |
| Total domestic deposits to total assets | 86.2275% | 2,300 |
| Equity capital to assets | 8.0565% | 6,769 |
| Core capital (leverage) ratio | 7.6148% | 7,058 |
| Tier 1 risk-based capital ratio | 10.1141% | 6,617 |
| Total risk-based capital ratio | 10.9736% | 6,959 |
| Memoranda: | ||
| Average total assets | $185,455,400 | 3,332 |
| Average earning assets | $172,884,800 | 3,288 |
| Average equity | $14,764,200 | 4,183 |
| Average total loans | $125,046,800 | 3,349 |