Home > Woodlands Bank > Performance and Condition Ratios
Woodlands 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 | 4.4312% | 3,225 |
| Cost of funding earning assets | 1.5731% | 1,767 |
| Net interest margin | 2.8581% | 3,560 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.5504% | 2,154 |
| Loan and lease loss provision to assets | 1.6800% | 38 |
| Net operating income to assets | -0.6063% | 4,513 |
| Return on assets (ROA) | -0.6119% | 4,498 |
| Pretax return on assets | -0.8590% | 4,513 |
| Return on Equity (ROE) | -9.2400% | 4,498 |
| Retained earnings to average equity (ytd only) | -13.7368% | 4,490 |
| Net charge-offs to loans | 2.2718% | 39 |
| Credit loss provision to net charge-offs | 104.3721% | 1,800 |
| Earnings coverage of net charge-offs (x) | 0.5154% | 2,812 |
| Efficiency ratio | 75.4218% | 1,305 |
| Assets per employee ($millions) | 5.8885% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,400 |
| Loan loss allowance to noncurrent loans | 255.4953% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 1,624 |
| Noncurrent loans to loans | 0.4622% | 1,625 |
| Net loans and leases to total assets | 70.8400% | 1,719 |
| Net loans and leases to deposits | 84.5482% | 1,734 |
| Net loans and leases to core deposits | 86.1975% | 2,296 |
| Total domestic deposits to total assets | 83.7900% | 2,675 |
| Equity capital to assets | 6.0192% | 4,232 |
| Core capital (leverage) ratio | 7.8767% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4482% | 2,731 |
| Memoranda: | ||
| Average total assets | $609,903,400 | 1,457 |
| Average earning assets | $563,480,000 | 1,457 |
| Average equity | $40,409,600 | 1,874 |
| Average total loans | $432,907,400 | 1,386 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 3,149 |
| Cost of funding earning assets | 1.4324% | 1,786 |
| Net interest margin | 2.9432% | 3,446 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.5308% | 2,131 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7457% | 3,185 |
| Return on assets (ROA) | 0.7375% | 3,202 |
| Pretax return on assets | 0.8489% | 3,219 |
| Return on Equity (ROE) | 10.8800% | 2,408 |
| Retained earnings to average equity (ytd only) | 7.0577% | 2,262 |
| Net charge-offs to loans | 0.0074% | 2,147 |
| Credit loss provision to net charge-offs | 1,083.3333% | 386 |
| Earnings coverage of net charge-offs (x) | 174.2500% | 659 |
| Efficiency ratio | 73.4426% | 1,409 |
| Assets per employee ($millions) | 5.6860% | 3,035 |
| Cash dividends to net income (ytd only)* | 35.1335% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 2,717 |
| Loan loss allowance to noncurrent loans | 42.2608% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.9412% | 151 |
| Noncurrent loans to loans | 2.6791% | 175 |
| Net loans and leases to total assets | 71.6300% | 1,621 |
| Net loans and leases to deposits | 82.2773% | 1,886 |
| Net loans and leases to core deposits | 83.5946% | 2,353 |
| Total domestic deposits to total assets | 87.0600% | 1,874 |
| Equity capital to assets | 6.5820% | 3,802 |
| Core capital (leverage) ratio | 9.1391% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $609,278,750 | 1,460 |
| Average earning assets | $563,237,000 | 1,452 |
| Average equity | $41,296,500 | 1,824 |
| Average total loans | $431,383,250 | 1,384 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 3,068 |
| Cost of funding earning assets | 1.2574% | 1,833 |
| Net interest margin | 3.0582% | 3,306 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.5503% | 2,068 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8324% | 2,981 |
| Return on assets (ROA) | 0.8202% | 3,027 |
| Pretax return on assets | 0.9502% | 3,050 |
| Return on Equity (ROE) | 11.9900% | 2,162 |
| Retained earnings to average equity (ytd only) | 8.2467% | 1,892 |
| Net charge-offs to loans | 0.0103% | 1,816 |
| Credit loss provision to net charge-offs | 545.4545% | 615 |
| Earnings coverage of net charge-offs (x) | 139.0455% | 780 |
| Efficiency ratio | 71.7596% | 1,582 |
| Assets per employee ($millions) | 5.7586% | 2,917 |
| Cash dividends to net income (ytd only)* | 31.2000% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 2,942 |
| Loan loss allowance to noncurrent loans | 396.1633% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 2,134 |
| Noncurrent loans to loans | 0.2786% | 2,148 |
| Net loans and leases to total assets | 71.2400% | 1,614 |
| Net loans and leases to deposits | 81.6965% | 1,851 |
| Net loans and leases to core deposits | 82.5955% | 2,291 |
| Total domestic deposits to total assets | 87.2000% | 1,869 |
| Equity capital to assets | 6.9091% | 3,842 |
| Core capital (leverage) ratio | 9.1264% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $609,571,000 | 1,454 |
| Average earning assets | $563,860,000 | 1,455 |
| Average equity | $41,713,667 | 1,821 |
| Average total loans | $428,238,333 | 1,379 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 3,025 |
| Cost of funding earning assets | 1.0447% | 1,892 |
| Net interest margin | 3.1623% | 3,205 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.5577% | 2,084 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8608% | 2,990 |
| Return on assets (ROA) | 0.8445% | 2,992 |
| Pretax return on assets | 0.9771% | 3,064 |
| Return on Equity (ROE) | 12.4000% | 2,112 |
| Retained earnings to average equity (ytd only) | 8.6396% | 2,042 |
| Net charge-offs to loans | 0.0009% | 2,027 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 1,577.0000% | 52 |
| Efficiency ratio | 71.1806% | 1,615 |
| Assets per employee ($millions) | 5.6776% | 3,044 |
| Cash dividends to net income (ytd only)* | 30.3266% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 2,960 |
| Loan loss allowance to noncurrent loans | 344.5956% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 1,966 |
| Noncurrent loans to loans | 0.3248% | 1,984 |
| Net loans and leases to total assets | 70.0000% | 1,627 |
| Net loans and leases to deposits | 77.1294% | 2,025 |
| Net loans and leases to core deposits | 77.7407% | 2,404 |
| Total domestic deposits to total assets | 90.7500% | 889 |
| Equity capital to assets | 7.0714% | 3,796 |
| Core capital (leverage) ratio | 9.0607% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5526% | 2,557 |
| Memoranda: | ||
| Average total assets | $609,150,500 | 1,477 |
| Average earning assets | $564,016,500 | 1,480 |
| Average equity | $41,483,500 | 1,855 |
| Average total loans | $422,506,500 | 1,412 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 2,666 |
| Cost of funding earning assets | 0.3245% | 1,919 |
| Net interest margin | 3.1601% | 2,742 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.5636% | 1,816 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8927% | 2,895 |
| Return on assets (ROA) | 0.8927% | 2,874 |
| Pretax return on assets | 1.0308% | 2,929 |
| Return on Equity (ROE) | 11.6300% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.2002% | 1,925 |
| Net charge-offs to loans | 0.0060% | 1,941 |
| Credit loss provision to net charge-offs | 1,941.1765% | 258 |
| Earnings coverage of net charge-offs (x) | 281.9412% | 496 |
| Efficiency ratio | 69.8402% | 1,782 |
| Assets per employee ($millions) | 5.5870% | 3,136 |
| Cash dividends to net income (ytd only)* | 29.5213% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 2,729 |
| Loan loss allowance to noncurrent loans | 126.8181% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 867 |
| Noncurrent loans to loans | 0.9165% | 853 |
| Net loans and leases to total assets | 66.1100% | 1,879 |
| Net loans and leases to deposits | 70.9314% | 2,294 |
| Net loans and leases to core deposits | 71.3371% | 2,542 |
| Total domestic deposits to total assets | 93.2100% | 522 |
| Equity capital to assets | 6.2724% | 3,856 |
| Core capital (leverage) ratio | 8.9087% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $577,254,500 | 1,556 |
| Average earning assets | $539,468,500 | 1,536 |
| Average equity | $44,290,750 | 1,797 |
| Average total loans | $376,253,000 | 1,462 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 2,596 |
| Cost of funding earning assets | 0.2097% | 2,786 |
| Net interest margin | 3.1336% | 2,429 |
| Noninterest income to average assets | 0.7320% | 1,227 |
| Noninterest expense to average assets | 2.5353% | 1,822 |
| Loan and lease loss provision to assets | 0.0422% | 1,810 |
| Net operating income to assets | 0.9364% | 2,417 |
| Return on assets (ROA) | 0.9364% | 2,395 |
| Pretax return on assets | 1.0880% | 2,449 |
| Return on Equity (ROE) | 11.4646% | 1,842 |
| Retained earnings to average equity (ytd only) | 8.2302% | 1,538 |
| Net charge-offs to loans | 0.0093% | 1,644 |
| Credit loss provision to net charge-offs | 705.8824% | 512 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 557 |
| Efficiency ratio | 69.1651% | 2,082 |
| Assets per employee ($millions) | 5.2608% | 3,462 |
| Cash dividends to net income (ytd only)* | 28.2119% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,750 |
| Loan loss allowance to noncurrent loans | 121.3705% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 846 |
| Noncurrent loans to loans | 0.9784% | 855 |
| Net loans and leases to total assets | 65.6255% | 1,741 |
| Net loans and leases to deposits | 71.3198% | 2,080 |
| Net loans and leases to core deposits | 71.7970% | 2,361 |
| Total domestic deposits to total assets | 92.0159% | 824 |
| Equity capital to assets | 7.4235% | 3,516 |
| Core capital (leverage) ratio | 9.1126% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,542,333 | 1,581 |
| Average earning assets | $532,226,667 | 1,576 |
| Average equity | $46,438,667 | 1,780 |
| Average total loans | $367,130,667 | 1,484 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2375% | 2,577 |
| Cost of funding earning assets | 0.1785% | 3,103 |
| Net interest margin | 3.0590% | 2,293 |
| Noninterest income to average assets | 0.6871% | 1,358 |
| Noninterest expense to average assets | 2.4665% | 1,969 |
| Loan and lease loss provision to assets | 0.0422% | 1,598 |
| Net operating income to assets | 0.9038% | 2,259 |
| Return on assets (ROA) | 0.9038% | 2,258 |
| Pretax return on assets | 1.0465% | 2,304 |
| Return on Equity (ROE) | 10.5829% | 1,765 |
| Retained earnings to average equity (ytd only) | 7.4863% | 1,735 |
| Net charge-offs to loans | 0.0221% | 1,105 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 77.4000% | 756 |
| Efficiency ratio | 69.3769% | 2,319 |
| Assets per employee ($millions) | 5.2743% | 3,515 |
| Cash dividends to net income (ytd only)* | 29.2607% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,796 |
| Loan loss allowance to noncurrent loans | 117.0331% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 869 |
| Noncurrent loans to loans | 1.0357% | 871 |
| Net loans and leases to total assets | 63.8021% | 1,645 |
| Net loans and leases to deposits | 69.8520% | 1,981 |
| Net loans and leases to core deposits | 70.2923% | 2,268 |
| Total domestic deposits to total assets | 91.3390% | 869 |
| Equity capital to assets | 8.1398% | 3,457 |
| Core capital (leverage) ratio | 9.0862% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,730,500 | 1,584 |
| Average earning assets | $533,248,000 | 1,578 |
| Average equity | $48,569,000 | 1,772 |
| Average total loans | $362,024,500 | 1,484 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 2,918 |
| Cost of funding earning assets | 0.2606% | 2,803 |
| Net interest margin | 3.1447% | 2,750 |
| Noninterest income to average assets | 0.7498% | 1,598 |
| Noninterest expense to average assets | 2.4969% | 2,191 |
| Loan and lease loss provision to assets | 0.0275% | 2,503 |
| Net operating income to assets | 1.0059% | 2,646 |
| Return on assets (ROA) | 1.0105% | 2,703 |
| Pretax return on assets | 1.1848% | 2,714 |
| Return on Equity (ROE) | 10.8978% | 2,199 |
| Retained earnings to average equity (ytd only) | 5.6994% | 2,475 |
| Net charge-offs to loans | -0.0387% | 4,214 |
| Credit loss provision to net charge-offs | -109.4891% | 3,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4153% | 2,068 |
| Assets per employee ($millions) | 5.2579% | 3,510 |
| Cash dividends to net income (ytd only)* | 47.7013% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,803 |
| Loan loss allowance to noncurrent loans | 118.3613% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 1,013 |
| Noncurrent loans to loans | 1.0285% | 957 |
| Net loans and leases to total assets | 61.9752% | 1,945 |
| Net loans and leases to deposits | 68.5044% | 2,259 |
| Net loans and leases to core deposits | 68.9341% | 2,556 |
| Total domestic deposits to total assets | 90.4689% | 732 |
| Equity capital to assets | 8.9338% | 3,695 |
| Core capital (leverage) ratio | 8.9296% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,563,400 | 1,590 |
| Average earning assets | $511,525,600 | 1,569 |
| Average equity | $50,496,600 | 1,751 |
| Average total loans | $353,842,800 | 1,504 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 3,027 |
| Cost of funding earning assets | 0.2777% | 2,826 |
| Net interest margin | 3.1482% | 2,907 |
| Noninterest income to average assets | 0.7678% | 1,625 |
| Noninterest expense to average assets | 2.4397% | 2,307 |
| Loan and lease loss provision to assets | 0.0372% | 2,249 |
| Net operating income to assets | 1.0506% | 2,726 |
| Return on assets (ROA) | 1.0569% | 2,774 |
| Pretax return on assets | 1.2541% | 2,761 |
| Return on Equity (ROE) | 11.2874% | 2,277 |
| Retained earnings to average equity (ytd only) | 5.9351% | 2,848 |
| Net charge-offs to loans | -0.0522% | 4,379 |
| Credit loss provision to net charge-offs | -108.6957% | 3,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5207% | 2,171 |
| Assets per employee ($millions) | 5.4408% | 3,265 |
| Cash dividends to net income (ytd only)* | 47.4178% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,898 |
| Loan loss allowance to noncurrent loans | 116.1230% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 1,142 |
| Noncurrent loans to loans | 1.0503% | 1,082 |
| Net loans and leases to total assets | 62.0816% | 1,995 |
| Net loans and leases to deposits | 68.7015% | 2,371 |
| Net loans and leases to core deposits | 69.2765% | 2,658 |
| Total domestic deposits to total assets | 90.3642% | 613 |
| Equity capital to assets | 8.9216% | 3,907 |
| Core capital (leverage) ratio | 9.0333% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $537,426,000 | 1,618 |
| Average earning assets | $504,579,500 | 1,601 |
| Average equity | $50,320,500 | 1,770 |
| Average total loans | $352,412,250 | 1,536 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 2,960 |
| Cost of funding earning assets | 0.2831% | 2,943 |
| Net interest margin | 3.1921% | 2,777 |
| Noninterest income to average assets | 0.7838% | 1,578 |
| Noninterest expense to average assets | 2.4400% | 2,340 |
| Loan and lease loss provision to assets | 0.0570% | 1,892 |
| Net operating income to assets | 1.0614% | 2,675 |
| Return on assets (ROA) | 1.0708% | 2,726 |
| Pretax return on assets | 1.2902% | 2,661 |
| Return on Equity (ROE) | 11.2445% | 2,321 |
| Retained earnings to average equity (ytd only) | 4.6822% | 3,306 |
| Net charge-offs to loans | -0.0731% | 4,518 |
| Credit loss provision to net charge-offs | -117.1875% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6230% | 2,345 |
| Assets per employee ($millions) | 5.1372% | 3,526 |
| Cash dividends to net income (ytd only)* | 58.3600% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,832 |
| Loan loss allowance to noncurrent loans | 119.5349% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 1,216 |
| Noncurrent loans to loans | 1.0187% | 1,206 |
| Net loans and leases to total assets | 65.7071% | 1,721 |
| Net loans and leases to deposits | 73.0895% | 2,096 |
| Net loans and leases to core deposits | 73.6818% | 2,440 |
| Total domestic deposits to total assets | 89.8995% | 828 |
| Equity capital to assets | 9.3774% | 3,440 |
| Core capital (leverage) ratio | 9.1128% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $526,139,000 | 1,640 |
| Average earning assets | $493,156,333 | 1,626 |
| Average equity | $50,104,667 | 1,772 |
| Average total loans | $350,202,000 | 1,557 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 2,812 |
| Cost of funding earning assets | 0.2917% | 3,082 |
| Net interest margin | 3.2470% | 2,556 |
| Noninterest income to average assets | 0.7422% | 1,738 |
| Noninterest expense to average assets | 2.3977% | 2,497 |
| Loan and lease loss provision to assets | 0.0577% | 1,963 |
| Net operating income to assets | 1.0905% | 2,503 |
| Return on assets (ROA) | 1.1126% | 2,515 |
| Pretax return on assets | 1.3559% | 2,410 |
| Return on Equity (ROE) | 11.5911% | 2,162 |
| Retained earnings to average equity (ytd only) | 8.4948% | 2,098 |
| Net charge-offs to loans | -0.0590% | 4,463 |
| Credit loss provision to net charge-offs | -147.0588% | 2,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3571% | 2,553 |
| Assets per employee ($millions) | 5.1623% | 3,473 |
| Cash dividends to net income (ytd only)* | 26.7128% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,903 |
| Loan loss allowance to noncurrent loans | 82.0588% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 875 |
| Noncurrent loans to loans | 1.4693% | 857 |
| Net loans and leases to total assets | 64.3623% | 2,000 |
| Net loans and leases to deposits | 71.5504% | 2,358 |
| Net loans and leases to core deposits | 72.0929% | 2,695 |
| Total domestic deposits to total assets | 89.9538% | 840 |
| Equity capital to assets | 9.2948% | 3,395 |
| Core capital (leverage) ratio | 9.5553% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,508,000 | 1,640 |
| Average earning assets | $486,726,000 | 1,629 |
| Average equity | $49,866,000 | 1,764 |
| Average total loans | $345,906,000 | 1,576 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 3,008 |
| Cost of funding earning assets | 0.4503% | 3,277 |
| Net interest margin | 3.4567% | 2,611 |
| Noninterest income to average assets | 0.8878% | 1,300 |
| Noninterest expense to average assets | 2.7453% | 2,099 |
| Loan and lease loss provision to assets | 0.0517% | 3,731 |
| Net operating income to assets | 1.0804% | 1,987 |
| Return on assets (ROA) | 1.0818% | 2,118 |
| Pretax return on assets | 1.3246% | 1,904 |
| Return on Equity (ROE) | 10.5036% | 1,810 |
| Retained earnings to average equity (ytd only) | 7.2048% | 1,318 |
| Net charge-offs to loans | -0.0058% | 4,170 |
| Credit loss provision to net charge-offs | -1,263.1579% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6353% | 2,418 |
| Assets per employee ($millions) | 4.8282% | 3,576 |
| Cash dividends to net income (ytd only)* | 31.4069% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,976 |
| Loan loss allowance to noncurrent loans | 80.9100% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0067% | 940 |
| Noncurrent loans to loans | 1.4779% | 903 |
| Net loans and leases to total assets | 67.3038% | 1,917 |
| Net loans and leases to deposits | 75.4287% | 2,341 |
| Net loans and leases to core deposits | 76.0426% | 2,724 |
| Total domestic deposits to total assets | 89.2284% | 884 |
| Equity capital to assets | 9.9236% | 3,202 |
| Core capital (leverage) ratio | 9.6419% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,855,400 | 1,653 |
| Average earning assets | $433,711,800 | 1,649 |
| Average equity | $47,774,000 | 1,765 |
| Average total loans | $330,312,000 | 1,576 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 2,976 |
| Cost of funding earning assets | 0.4859% | 3,317 |
| Net interest margin | 3.5139% | 2,548 |
| Noninterest income to average assets | 0.8740% | 1,301 |
| Noninterest expense to average assets | 2.7201% | 2,204 |
| Loan and lease loss provision to assets | 0.0484% | 3,752 |
| Net operating income to assets | 1.1344% | 1,866 |
| Return on assets (ROA) | 1.1358% | 1,984 |
| Pretax return on assets | 1.3929% | 1,762 |
| Return on Equity (ROE) | 10.9181% | 1,711 |
| Retained earnings to average equity (ytd only) | 7.5665% | 1,473 |
| Net charge-offs to loans | -0.0024% | 3,911 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3919% | 2,535 |
| Assets per employee ($millions) | 4.7885% | 3,499 |
| Cash dividends to net income (ytd only)* | 30.6977% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,817 |
| Loan loss allowance to noncurrent loans | 79.2475% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 1,085 |
| Noncurrent loans to loans | 1.4813% | 974 |
| Net loans and leases to total assets | 67.6513% | 2,287 |
| Net loans and leases to deposits | 75.8813% | 2,764 |
| Net loans and leases to core deposits | 76.8200% | 3,110 |
| Total domestic deposits to total assets | 89.1541% | 704 |
| Equity capital to assets | 9.8240% | 3,402 |
| Core capital (leverage) ratio | 9.6439% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,285,500 | 1,662 |
| Average earning assets | $424,776,750 | 1,657 |
| Average equity | $47,260,000 | 1,769 |
| Average total loans | $327,378,500 | 1,584 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 2,945 |
| Cost of funding earning assets | 0.5287% | 3,359 |
| Net interest margin | 3.6084% | 2,455 |
| Noninterest income to average assets | 0.8014% | 1,435 |
| Noninterest expense to average assets | 2.7714% | 2,158 |
| Loan and lease loss provision to assets | 0.0409% | 3,769 |
| Net operating income to assets | 1.1080% | 1,945 |
| Return on assets (ROA) | 1.1103% | 2,058 |
| Pretax return on assets | 1.3600% | 1,837 |
| Return on Equity (ROE) | 10.4528% | 1,825 |
| Retained earnings to average equity (ytd only) | 7.0313% | 1,654 |
| Net charge-offs to loans | -0.0043% | 3,973 |
| Credit loss provision to net charge-offs | -1,285.7143% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4667% | 2,448 |
| Assets per employee ($millions) | 4.5681% | 3,698 |
| Cash dividends to net income (ytd only)* | 32.7325% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,733 |
| Loan loss allowance to noncurrent loans | 73.3981% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1268% | 1,008 |
| Noncurrent loans to loans | 1.5804% | 941 |
| Net loans and leases to total assets | 70.4681% | 1,958 |
| Net loans and leases to deposits | 80.2354% | 2,397 |
| Net loans and leases to core deposits | 81.2955% | 2,836 |
| Total domestic deposits to total assets | 87.8268% | 1,273 |
| Equity capital to assets | 10.0909% | 3,115 |
| Core capital (leverage) ratio | 9.9749% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,712,333 | 1,684 |
| Average earning assets | $410,431,333 | 1,672 |
| Average equity | $46,705,333 | 1,775 |
| Average total loans | $322,868,333 | 1,583 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,831 |
| Cost of funding earning assets | 0.6030% | 3,419 |
| Net interest margin | 3.7250% | 2,239 |
| Noninterest income to average assets | 0.8151% | 1,269 |
| Noninterest expense to average assets | 2.9221% | 2,066 |
| Loan and lease loss provision to assets | 0.0427% | 3,241 |
| Net operating income to assets | 1.0767% | 1,916 |
| Return on assets (ROA) | 1.0767% | 2,019 |
| Pretax return on assets | 1.3165% | 1,825 |
| Return on Equity (ROE) | 9.8594% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.3791% | 1,758 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2533% | 2,626 |
| Assets per employee ($millions) | 3.8953% | 4,057 |
| Cash dividends to net income (ytd only)* | 35.2993% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,431 |
| Loan loss allowance to noncurrent loans | 72.1034% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.2549% | 960 |
| Noncurrent loans to loans | 1.7254% | 875 |
| Net loans and leases to total assets | 71.8245% | 1,950 |
| Net loans and leases to deposits | 83.8993% | 2,247 |
| Net loans and leases to core deposits | 85.4883% | 2,720 |
| Total domestic deposits to total assets | 85.6079% | 2,168 |
| Equity capital to assets | 10.9089% | 2,938 |
| Core capital (leverage) ratio | 10.8919% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,027,000 | 1,702 |
| Average earning assets | $392,697,000 | 1,691 |
| Average equity | $46,088,000 | 1,788 |
| Average total loans | $314,947,000 | 1,577 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 2,608 |
| Cost of funding earning assets | 0.7610% | 2,867 |
| Net interest margin | 3.8418% | 2,367 |
| Noninterest income to average assets | 0.8779% | 1,226 |
| Noninterest expense to average assets | 3.0046% | 2,002 |
| Loan and lease loss provision to assets | -0.0948% | 5,071 |
| Net operating income to assets | 1.2687% | 1,809 |
| Return on assets (ROA) | 1.2829% | 1,838 |
| Pretax return on assets | 1.5584% | 1,622 |
| Return on Equity (ROE) | 12.5583% | 1,311 |
| Retained earnings to average equity (ytd only) | 8.9075% | 734 |
| Net charge-offs to loans | -0.1002% | 4,953 |
| Credit loss provision to net charge-offs | 129.8701% | 1,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5065% | 2,529 |
| Assets per employee ($millions) | 4.1145% | 3,753 |
| Cash dividends to net income (ytd only)* | 29.0704% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,418 |
| Loan loss allowance to noncurrent loans | 71.3275% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3603% | 782 |
| Noncurrent loans to loans | 1.6876% | 818 |
| Net loans and leases to total assets | 75.6623% | 1,472 |
| Net loans and leases to deposits | 89.3246% | 1,660 |
| Net loans and leases to core deposits | 91.2875% | 2,297 |
| Total domestic deposits to total assets | 84.7048% | 2,606 |
| Equity capital to assets | 10.9327% | 3,071 |
| Core capital (leverage) ratio | 10.5429% | 2,908 |
| Tier 1 risk-based capital ratio | 13.4690% | 3,540 |
| Total risk-based capital ratio | 14.6540% | 3,460 |
| Memoranda: | ||
| Average total assets | $421,779,600 | 1,658 |
| Average earning assets | $392,263,400 | 1,657 |
| Average equity | $43,087,200 | 1,814 |
| Average total loans | $307,257,200 | 1,574 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 2,700 |
| Cost of funding earning assets | 0.7819% | 2,803 |
| Net interest margin | 3.8253% | 2,512 |
| Noninterest income to average assets | 0.8800% | 1,189 |
| Noninterest expense to average assets | 2.9073% | 2,240 |
| Loan and lease loss provision to assets | -0.1417% | 5,191 |
| Net operating income to assets | 1.3759% | 1,544 |
| Return on assets (ROA) | 1.3984% | 1,533 |
| Pretax return on assets | 1.6995% | 1,334 |
| Return on Equity (ROE) | 13.9288% | 998 |
| Retained earnings to average equity (ytd only) | 10.2521% | 696 |
| Net charge-offs to loans | -0.2426% | 5,135 |
| Credit loss provision to net charge-offs | 81.2274% | 2,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5145% | 2,794 |
| Assets per employee ($millions) | 4.1195% | 3,731 |
| Cash dividends to net income (ytd only)* | 26.3964% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,013 |
| Loan loss allowance to noncurrent loans | 65.3366% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4767% | 766 |
| Noncurrent loans to loans | 1.9737% | 684 |
| Net loans and leases to total assets | 72.6657% | 2,054 |
| Net loans and leases to deposits | 85.4860% | 2,263 |
| Net loans and leases to core deposits | 87.5092% | 2,781 |
| Total domestic deposits to total assets | 85.0031% | 2,425 |
| Equity capital to assets | 10.6117% | 3,454 |
| Core capital (leverage) ratio | 10.6166% | 3,001 |
| Tier 1 risk-based capital ratio | 13.5201% | 3,562 |
| Total risk-based capital ratio | 14.7703% | 3,468 |
| Memoranda: | ||
| Average total assets | $423,332,250 | 1,667 |
| Average earning assets | $393,719,750 | 1,667 |
| Average equity | $42,500,750 | 1,845 |
| Average total loans | $304,506,500 | 1,595 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 2,501 |
| Cost of funding earning assets | 0.7946% | 2,673 |
| Net interest margin | 3.8599% | 2,369 |
| Noninterest income to average assets | 0.8704% | 1,154 |
| Noninterest expense to average assets | 2.8879% | 2,312 |
| Loan and lease loss provision to assets | -0.2128% | 5,257 |
| Net operating income to assets | 1.4726% | 1,223 |
| Return on assets (ROA) | 1.4823% | 1,246 |
| Pretax return on assets | 1.7971% | 1,039 |
| Return on Equity (ROE) | 15.0509% | 747 |
| Retained earnings to average equity (ytd only) | 11.3494% | 503 |
| Net charge-offs to loans | -0.3756% | 5,205 |
| Credit loss provision to net charge-offs | 79.3651% | 2,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7445% | 3,011 |
| Assets per employee ($millions) | 3.9355% | 3,959 |
| Cash dividends to net income (ytd only)* | 24.5933% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 1,942 |
| Loan loss allowance to noncurrent loans | 78.3595% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.1913% | 1,117 |
| Noncurrent loans to loans | 1.6796% | 910 |
| Net loans and leases to total assets | 69.9925% | 2,530 |
| Net loans and leases to deposits | 81.2003% | 2,816 |
| Net loans and leases to core deposits | 83.0496% | 3,192 |
| Total domestic deposits to total assets | 86.1973% | 1,934 |
| Equity capital to assets | 10.1635% | 3,823 |
| Core capital (leverage) ratio | 10.1875% | 3,394 |
| Tier 1 risk-based capital ratio | 13.4432% | 3,612 |
| Total risk-based capital ratio | 14.6936% | 3,513 |
| Memoranda: | ||
| Average total assets | $423,005,330 | 1,668 |
| Average earning assets | $393,425,330 | 1,661 |
| Average equity | $41,658,670 | 1,868 |
| Average total loans | $301,889,330 | 1,613 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 1,848 |
| Cost of funding earning assets | 0.7534% | 2,777 |
| Net interest margin | 4.0675% | 1,648 |
| Noninterest income to average assets | 0.7750% | 1,352 |
| Noninterest expense to average assets | 2.9077% | 2,259 |
| Loan and lease loss provision to assets | -0.4306% | 5,339 |
| Net operating income to assets | 1.6888% | 748 |
| Return on assets (ROA) | 1.6888% | 773 |
| Pretax return on assets | 2.0791% | 552 |
| Return on Equity (ROE) | 17.4368% | 451 |
| Retained earnings to average equity (ytd only) | 13.6333% | 383 |
| Net charge-offs to loans | -0.8513% | 5,301 |
| Credit loss provision to net charge-offs | 70.6436% | 1,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8177% | 3,266 |
| Assets per employee ($millions) | 3.8586% | 4,108 |
| Cash dividends to net income (ytd only)* | 21.8130% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,781 |
| Loan loss allowance to noncurrent loans | 68.8033% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4077% | 885 |
| Noncurrent loans to loans | 1.9934% | 746 |
| Net loans and leases to total assets | 69.6528% | 2,536 |
| Net loans and leases to deposits | 80.7358% | 2,759 |
| Net loans and leases to core deposits | 82.7402% | 3,128 |
| Total domestic deposits to total assets | 86.2725% | 2,151 |
| Equity capital to assets | 10.0146% | 3,808 |
| Core capital (leverage) ratio | 10.2428% | 3,341 |
| Tier 1 risk-based capital ratio | 13.4160% | 3,655 |
| Total risk-based capital ratio | 14.6669% | 3,556 |
| Memoranda: | ||
| Average total assets | $418,057,000 | 1,696 |
| Average earning assets | $388,638,000 | 1,693 |
| Average equity | $40,489,000 | 1,909 |
| Average total loans | $299,314,000 | 1,637 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 2,656 |
| Cost of funding earning assets | 0.6436% | 2,437 |
| Net interest margin | 3.7899% | 2,699 |
| Noninterest income to average assets | 0.8359% | 1,347 |
| Noninterest expense to average assets | 2.9192% | 2,282 |
| Loan and lease loss provision to assets | 0.0595% | 2,975 |
| Net operating income to assets | 1.1340% | 2,455 |
| Return on assets (ROA) | 1.1439% | 2,416 |
| Pretax return on assets | 1.3812% | 2,204 |
| Return on Equity (ROE) | 12.4111% | 1,575 |
| Retained earnings to average equity (ytd only) | 7.6006% | 1,414 |
| Net charge-offs to loans | -0.0330% | 4,845 |
| Credit loss provision to net charge-offs | -247.4227% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1381% | 2,687 |
| Assets per employee ($millions) | 3.9968% | 3,897 |
| Cash dividends to net income (ytd only)* | 38.7600% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 1,977 |
| Loan loss allowance to noncurrent loans | 64.4441% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 790 |
| Noncurrent loans to loans | 2.0373% | 659 |
| Net loans and leases to total assets | 71.6486% | 2,322 |
| Net loans and leases to deposits | 82.5413% | 2,672 |
| Net loans and leases to core deposits | 85.1581% | 2,990 |
| Total domestic deposits to total assets | 86.8034% | 1,873 |
| Equity capital to assets | 9.3453% | 4,274 |
| Core capital (leverage) ratio | 9.4268% | 4,199 |
| Tier 1 risk-based capital ratio | 12.4509% | 4,169 |
| Total risk-based capital ratio | 13.7013% | 4,041 |
| Memoranda: | ||
| Average total assets | $403,261,200 | 1,702 |
| Average earning assets | $373,706,600 | 1,705 |
| Average equity | $37,168,200 | 1,978 |
| Average total loans | $293,526,400 | 1,621 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 2,759 |
| Cost of funding earning assets | 0.6062% | 2,430 |
| Net interest margin | 3.7547% | 2,811 |
| Noninterest income to average assets | 0.8179% | 1,419 |
| Noninterest expense to average assets | 2.8337% | 2,519 |
| Loan and lease loss provision to assets | 0.0598% | 2,784 |
| Net operating income to assets | 1.1620% | 2,401 |
| Return on assets (ROA) | 1.1752% | 2,341 |
| Pretax return on assets | 1.4175% | 2,171 |
| Return on Equity (ROE) | 12.7966% | 1,505 |
| Retained earnings to average equity (ytd only) | 8.8917% | 1,262 |
| Net charge-offs to loans | -0.0429% | 4,877 |
| Credit loss provision to net charge-offs | -191.4894% | 4,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9754% | 2,877 |
| Assets per employee ($millions) | 3.9654% | 3,943 |
| Cash dividends to net income (ytd only)* | 30.5147% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,011 |
| Loan loss allowance to noncurrent loans | 95.6392% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 1,462 |
| Noncurrent loans to loans | 1.3780% | 1,211 |
| Net loans and leases to total assets | 71.4573% | 2,417 |
| Net loans and leases to deposits | 82.4682% | 2,766 |
| Net loans and leases to core deposits | 84.6901% | 3,102 |
| Total domestic deposits to total assets | 86.6484% | 1,893 |
| Equity capital to assets | 9.2886% | 4,292 |
| Core capital (leverage) ratio | 9.4895% | 4,189 |
| Tier 1 risk-based capital ratio | 12.7559% | 4,047 |
| Total risk-based capital ratio | 14.0065% | 3,950 |
| Memoranda: | ||
| Average total assets | $401,158,250 | 1,714 |
| Average earning assets | $371,511,000 | 1,720 |
| Average equity | $36,842,250 | 1,991 |
| Average total loans | $292,187,500 | 1,633 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,827 |
| Cost of funding earning assets | 0.5788% | 2,369 |
| Net interest margin | 3.7034% | 2,912 |
| Noninterest income to average assets | 0.8214% | 1,411 |
| Noninterest expense to average assets | 2.8241% | 2,588 |
| Loan and lease loss provision to assets | 0.0600% | 2,704 |
| Net operating income to assets | 1.1359% | 2,453 |
| Return on assets (ROA) | 1.1359% | 2,460 |
| Pretax return on assets | 1.3663% | 2,269 |
| Return on Equity (ROE) | 12.4154% | 1,576 |
| Retained earnings to average equity (ytd only) | 8.5411% | 1,385 |
| Net charge-offs to loans | -0.0562% | 4,961 |
| Credit loss provision to net charge-offs | -146.3415% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4432% | 2,899 |
| Assets per employee ($millions) | 3.9321% | 4,017 |
| Cash dividends to net income (ytd only)* | 31.2060% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,256 |
| Loan loss allowance to noncurrent loans | 107.6726% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8774% | 1,709 |
| Noncurrent loans to loans | 1.1909% | 1,461 |
| Net loans and leases to total assets | 72.7268% | 2,163 |
| Net loans and leases to deposits | 83.8935% | 2,549 |
| Net loans and leases to core deposits | 86.0600% | 2,919 |
| Total domestic deposits to total assets | 86.6894% | 1,978 |
| Equity capital to assets | 9.2448% | 4,335 |
| Core capital (leverage) ratio | 9.3173% | 4,342 |
| Tier 1 risk-based capital ratio | 12.4198% | 4,235 |
| Total risk-based capital ratio | 13.6699% | 4,125 |
| Memoranda: | ||
| Average total assets | $400,052,670 | 1,726 |
| Average earning assets | $370,419,670 | 1,732 |
| Average equity | $36,599,670 | 2,005 |
| Average total loans | $291,954,330 | 1,639 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 2,929 |
| Cost of funding earning assets | 0.5530% | 2,381 |
| Net interest margin | 3.6322% | 3,062 |
| Noninterest income to average assets | 0.7729% | 1,541 |
| Noninterest expense to average assets | 2.8403% | 2,568 |
| Loan and lease loss provision to assets | 0.0601% | 2,566 |
| Net operating income to assets | 1.0352% | 2,713 |
| Return on assets (ROA) | 1.0352% | 2,731 |
| Pretax return on assets | 1.2394% | 2,598 |
| Return on Equity (ROE) | 11.3751% | 1,817 |
| Retained earnings to average equity (ytd only) | 7.4807% | 2,058 |
| Net charge-offs to loans | -0.1117% | 5,243 |
| Credit loss provision to net charge-offs | -74.0741% | 3,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6094% | 2,732 |
| Assets per employee ($millions) | 4.0503% | 3,895 |
| Cash dividends to net income (ytd only)* | 34.2360% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,439 |
| Loan loss allowance to noncurrent loans | 119.9871% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 2,035 |
| Noncurrent loans to loans | 1.0530% | 1,740 |
| Net loans and leases to total assets | 71.9309% | 2,178 |
| Net loans and leases to deposits | 82.6881% | 2,525 |
| Net loans and leases to core deposits | 84.5358% | 2,927 |
| Total domestic deposits to total assets | 86.9907% | 2,125 |
| Equity capital to assets | 8.9829% | 4,576 |
| Core capital (leverage) ratio | 9.3162% | 4,300 |
| Tier 1 risk-based capital ratio | 12.3354% | 4,354 |
| Total risk-based capital ratio | 13.5857% | 4,244 |
| Memoranda: | ||
| Average total assets | $399,540,000 | 1,746 |
| Average earning assets | $370,359,000 | 1,739 |
| Average equity | $36,360,000 | 2,023 |
| Average total loans | $290,191,500 | 1,653 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 2,967 |
| Cost of funding earning assets | 0.4547% | 2,726 |
| Net interest margin | 3.6723% | 2,907 |
| Noninterest income to average assets | 0.8100% | 1,532 |
| Noninterest expense to average assets | 2.8410% | 2,645 |
| Loan and lease loss provision to assets | 0.0907% | 2,381 |
| Net operating income to assets | 0.7895% | 3,205 |
| Return on assets (ROA) | 0.7662% | 3,355 |
| Pretax return on assets | 1.2427% | 2,585 |
| Return on Equity (ROE) | 8.5121% | 2,535 |
| Retained earnings to average equity (ytd only) | 4.9808% | 2,136 |
| Net charge-offs to loans | -0.0028% | 4,562 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4682% | 3,006 |
| Assets per employee ($millions) | 3.8633% | 4,176 |
| Cash dividends to net income (ytd only)* | 41.4859% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,435 |
| Loan loss allowance to noncurrent loans | 99.5007% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 1,693 |
| Noncurrent loans to loans | 1.2635% | 1,394 |
| Net loans and leases to total assets | 71.4950% | 2,294 |
| Net loans and leases to deposits | 82.5284% | 2,662 |
| Net loans and leases to core deposits | 84.5573% | 3,023 |
| Total domestic deposits to total assets | 86.6308% | 2,178 |
| Equity capital to assets | 9.2213% | 4,507 |
| Core capital (leverage) ratio | 8.9454% | 4,707 |
| Tier 1 risk-based capital ratio | 12.5332% | 4,186 |
| Total risk-based capital ratio | 13.7834% | 4,085 |
| Memoranda: | ||
| Average total assets | $397,044,000 | 1,713 |
| Average earning assets | $367,703,600 | 1,720 |
| Average equity | $35,737,200 | 2,042 |
| Average total loans | $283,116,400 | 1,640 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 3,044 |
| Cost of funding earning assets | 0.4359% | 2,849 |
| Net interest margin | 3.6461% | 2,971 |
| Noninterest income to average assets | 0.8081% | 1,555 |
| Noninterest expense to average assets | 2.7799% | 2,799 |
| Loan and lease loss provision to assets | 0.0905% | 2,259 |
| Net operating income to assets | 0.9632% | 2,714 |
| Return on assets (ROA) | 0.9640% | 2,769 |
| Pretax return on assets | 1.3169% | 2,410 |
| Return on Equity (ROE) | 10.7751% | 1,786 |
| Retained earnings to average equity (ytd only) | 7.2571% | 1,564 |
| Net charge-offs to loans | -0.0307% | 5,004 |
| Credit loss provision to net charge-offs | -415.3846% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4051% | 3,144 |
| Assets per employee ($millions) | 3.9437% | 4,083 |
| Cash dividends to net income (ytd only)* | 32.6496% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,669 |
| Loan loss allowance to noncurrent loans | 108.1558% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 2,105 |
| Noncurrent loans to loans | 1.1508% | 1,666 |
| Net loans and leases to total assets | 70.1016% | 2,542 |
| Net loans and leases to deposits | 80.9558% | 2,881 |
| Net loans and leases to core deposits | 83.6510% | 3,161 |
| Total domestic deposits to total assets | 86.5925% | 2,051 |
| Equity capital to assets | 9.1279% | 4,800 |
| Core capital (leverage) ratio | 8.9755% | 4,767 |
| Tier 1 risk-based capital ratio | 12.4776% | 4,328 |
| Total risk-based capital ratio | 13.7275% | 4,246 |
| Memoranda: | ||
| Average total assets | $397,791,500 | 1,722 |
| Average earning assets | $368,568,500 | 1,727 |
| Average equity | $35,587,250 | 2,054 |
| Average total loans | $282,566,500 | 1,655 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 3,284 |
| Cost of funding earning assets | 0.4064% | 3,010 |
| Net interest margin | 3.5733% | 3,136 |
| Noninterest income to average assets | 0.8398% | 1,442 |
| Noninterest expense to average assets | 2.8125% | 2,712 |
| Loan and lease loss provision to assets | 0.0908% | 2,164 |
| Net operating income to assets | 0.9164% | 2,828 |
| Return on assets (ROA) | 0.9175% | 2,873 |
| Pretax return on assets | 1.2480% | 2,592 |
| Return on Equity (ROE) | 10.3265% | 1,903 |
| Retained earnings to average equity (ytd only) | 6.8275% | 1,677 |
| Net charge-offs to loans | -0.0426% | 5,104 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7733% | 3,056 |
| Assets per employee ($millions) | 3.9355% | 4,076 |
| Cash dividends to net income (ytd only)* | 33.8834% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,896 |
| Loan loss allowance to noncurrent loans | 57.3347% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.5473% | 968 |
| Noncurrent loans to loans | 2.1274% | 776 |
| Net loans and leases to total assets | 69.1066% | 2,648 |
| Net loans and leases to deposits | 79.5325% | 2,966 |
| Net loans and leases to core deposits | 82.1720% | 3,237 |
| Total domestic deposits to total assets | 86.8911% | 1,992 |
| Equity capital to assets | 8.8852% | 5,006 |
| Core capital (leverage) ratio | 8.8988% | 4,843 |
| Tier 1 risk-based capital ratio | 12.3363% | 4,398 |
| Total risk-based capital ratio | 13.5732% | 4,305 |
| Memoranda: | ||
| Average total assets | $396,302,330 | 1,735 |
| Average earning assets | $367,110,670 | 1,733 |
| Average equity | $35,210,330 | 2,065 |
| Average total loans | $281,574,000 | 1,654 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,234 |
| Cost of funding earning assets | 0.3867% | 3,127 |
| Net interest margin | 3.5551% | 3,062 |
| Noninterest income to average assets | 0.7749% | 1,641 |
| Noninterest expense to average assets | 2.8465% | 2,626 |
| Loan and lease loss provision to assets | 0.0919% | 2,006 |
| Net operating income to assets | 0.8352% | 3,057 |
| Return on assets (ROA) | 0.8352% | 3,110 |
| Pretax return on assets | 1.1221% | 2,896 |
| Return on Equity (ROE) | 9.4004% | 2,227 |
| Retained earnings to average equity (ytd only) | 5.8609% | 2,404 |
| Net charge-offs to loans | -0.1226% | 5,509 |
| Credit loss provision to net charge-offs | -104.6512% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1031% | 2,872 |
| Assets per employee ($millions) | 3.8282% | 4,300 |
| Cash dividends to net income (ytd only)* | 37.6528% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,074 |
| Loan loss allowance to noncurrent loans | 76.5502% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2719% | 1,345 |
| Noncurrent loans to loans | 1.5797% | 1,237 |
| Net loans and leases to total assets | 70.3387% | 2,313 |
| Net loans and leases to deposits | 81.0791% | 2,616 |
| Net loans and leases to core deposits | 83.7222% | 2,928 |
| Total domestic deposits to total assets | 86.7531% | 2,330 |
| Equity capital to assets | 8.9071% | 4,903 |
| Core capital (leverage) ratio | 8.9082% | 4,833 |
| Tier 1 risk-based capital ratio | 12.2377% | 4,554 |
| Total risk-based capital ratio | 13.4666% | 4,469 |
| Memoranda: | ||
| Average total assets | $391,774,000 | 1,764 |
| Average earning assets | $362,075,500 | 1,767 |
| Average equity | $34,807,000 | 2,092 |
| Average total loans | $280,566,500 | 1,669 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9886% | 3,230 |
| Cost of funding earning assets | 0.4835% | 2,224 |
| Net interest margin | 3.5051% | 3,408 |
| Noninterest income to average assets | 0.9001% | 1,414 |
| Noninterest expense to average assets | 2.8772% | 2,756 |
| Loan and lease loss provision to assets | 0.0850% | 2,658 |
| Net operating income to assets | 0.8556% | 3,046 |
| Return on assets (ROA) | 0.8673% | 3,104 |
| Pretax return on assets | 1.1989% | 2,680 |
| Return on Equity (ROE) | 9.6370% | 2,132 |
| Retained earnings to average equity (ytd only) | 6.0516% | 1,680 |
| Net charge-offs to loans | 0.0036% | 4,128 |
| Credit loss provision to net charge-offs | 3,240.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 483.2000% | 171 |
| Efficiency ratio | 69.4158% | 3,008 |
| Assets per employee ($millions) | 3.7427% | 4,404 |
| Cash dividends to net income (ytd only)* | 37.2051% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,444 |
| Loan loss allowance to noncurrent loans | 66.3985% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 1,272 |
| Noncurrent loans to loans | 1.7290% | 1,111 |
| Net loans and leases to total assets | 71.2074% | 2,301 |
| Net loans and leases to deposits | 82.1186% | 2,659 |
| Net loans and leases to core deposits | 84.8512% | 2,942 |
| Total domestic deposits to total assets | 86.7129% | 2,281 |
| Equity capital to assets | 8.8616% | 4,957 |
| Core capital (leverage) ratio | 8.6997% | 5,077 |
| Tier 1 risk-based capital ratio | 12.1513% | 4,618 |
| Total risk-based capital ratio | 13.3274% | 4,556 |
| Memoranda: | ||
| Average total assets | $381,175,200 | 1,758 |
| Average earning assets | $352,858,200 | 1,758 |
| Average equity | $34,305,200 | 2,119 |
| Average total loans | $274,972,400 | 1,644 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,230 |
| Cost of funding earning assets | 0.4844% | 2,218 |
| Net interest margin | 3.5171% | 3,405 |
| Noninterest income to average assets | 0.8802% | 1,472 |
| Noninterest expense to average assets | 2.8346% | 2,892 |
| Loan and lease loss provision to assets | 0.0854% | 2,516 |
| Net operating income to assets | 0.8772% | 3,024 |
| Return on assets (ROA) | 0.8921% | 3,076 |
| Pretax return on assets | 1.2360% | 2,678 |
| Return on Equity (ROE) | 9.8738% | 2,105 |
| Retained earnings to average equity (ytd only) | 6.2854% | 2,015 |
| Net charge-offs to loans | 0.0054% | 3,718 |
| Credit loss provision to net charge-offs | 2,209.0909% | 220 |
| Earnings coverage of net charge-offs (x) | 336.1881% | 255 |
| Efficiency ratio | 68.5459% | 3,132 |
| Assets per employee ($millions) | 3.7690% | 4,363 |
| Cash dividends to net income (ytd only)* | 36.3421% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,741 |
| Loan loss allowance to noncurrent loans | 58.5621% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4948% | 1,206 |
| Noncurrent loans to loans | 1.9099% | 1,046 |
| Net loans and leases to total assets | 71.4177% | 2,275 |
| Net loans and leases to deposits | 83.9099% | 2,494 |
| Net loans and leases to core deposits | 86.9030% | 2,859 |
| Total domestic deposits to total assets | 85.1124% | 2,751 |
| Equity capital to assets | 9.0461% | 5,130 |
| Core capital (leverage) ratio | 8.8721% | 4,978 |
| Tier 1 risk-based capital ratio | 12.0609% | 4,755 |
| Total risk-based capital ratio | 13.2146% | 4,707 |
| Memoranda: | ||
| Average total assets | $379,158,250 | 1,772 |
| Average earning assets | $350,927,750 | 1,770 |
| Average equity | $34,258,250 | 2,135 |
| Average total loans | $273,618,250 | 1,655 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,155 |
| Cost of funding earning assets | 0.4853% | 2,225 |
| Net interest margin | 3.5414% | 3,321 |
| Noninterest income to average assets | 0.8848% | 1,419 |
| Noninterest expense to average assets | 2.8468% | 2,853 |
| Loan and lease loss provision to assets | 0.0861% | 2,419 |
| Net operating income to assets | 0.8898% | 2,913 |
| Return on assets (ROA) | 0.9028% | 2,981 |
| Pretax return on assets | 1.2485% | 2,605 |
| Return on Equity (ROE) | 9.9965% | 2,053 |
| Retained earnings to average equity (ytd only) | 6.3758% | 1,926 |
| Net charge-offs to loans | 0.0096% | 3,374 |
| Credit loss provision to net charge-offs | 1,246.1538% | 314 |
| Earnings coverage of net charge-offs (x) | 190.4615% | 346 |
| Efficiency ratio | 68.3780% | 3,262 |
| Assets per employee ($millions) | 3.6545% | 4,511 |
| Cash dividends to net income (ytd only)* | 36.2191% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,850 |
| Loan loss allowance to noncurrent loans | 59.3010% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.4872% | 1,285 |
| Noncurrent loans to loans | 1.8856% | 1,078 |
| Net loans and leases to total assets | 71.7474% | 2,215 |
| Net loans and leases to deposits | 84.7165% | 2,381 |
| Net loans and leases to core deposits | 87.9943% | 2,728 |
| Total domestic deposits to total assets | 84.6912% | 3,006 |
| Equity capital to assets | 9.2771% | 4,995 |
| Core capital (leverage) ratio | 8.7412% | 5,120 |
| Tier 1 risk-based capital ratio | 12.2842% | 4,658 |
| Total risk-based capital ratio | 13.4477% | 4,624 |
| Memoranda: | ||
| Average total assets | $376,143,670 | 1,783 |
| Average earning assets | $348,228,000 | 1,784 |
| Average equity | $33,972,000 | 2,153 |
| Average total loans | $271,364,000 | 1,663 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,106 |
| Cost of funding earning assets | 0.4860% | 2,220 |
| Net interest margin | 3.5445% | 3,306 |
| Noninterest income to average assets | 0.8330% | 1,505 |
| Noninterest expense to average assets | 2.9084% | 2,678 |
| Loan and lease loss provision to assets | 0.0862% | 2,243 |
| Net operating income to assets | 0.8236% | 3,131 |
| Return on assets (ROA) | 0.8393% | 3,170 |
| Pretax return on assets | 1.1415% | 2,928 |
| Return on Equity (ROE) | 9.4215% | 2,228 |
| Retained earnings to average equity (ytd only) | 5.7556% | 2,496 |
| Net charge-offs to loans | -0.0946% | 5,610 |
| Credit loss provision to net charge-offs | -126.5625% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6825% | 3,006 |
| Assets per employee ($millions) | 3.7480% | 4,396 |
| Cash dividends to net income (ytd only)* | 38.9100% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,855 |
| Loan loss allowance to noncurrent loans | 95.8202% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 2,137 |
| Noncurrent loans to loans | 1.1867% | 2,039 |
| Net loans and leases to total assets | 70.0249% | 2,338 |
| Net loans and leases to deposits | 82.3235% | 2,504 |
| Net loans and leases to core deposits | 84.5194% | 2,890 |
| Total domestic deposits to total assets | 85.0607% | 3,109 |
| Equity capital to assets | 8.9784% | 5,191 |
| Core capital (leverage) ratio | 8.6886% | 5,188 |
| Tier 1 risk-based capital ratio | 12.3006% | 4,726 |
| Total risk-based capital ratio | 13.4853% | 4,664 |
| Memoranda: | ||
| Average total assets | $376,009,500 | 1,783 |
| Average earning assets | $348,146,000 | 1,785 |
| Average equity | $33,498,000 | 2,178 |
| Average total loans | $270,486,000 | 1,667 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 3,457 |
| Cost of funding earning assets | 0.4922% | 2,232 |
| Net interest margin | 3.4706% | 3,633 |
| Noninterest income to average assets | 0.8209% | 1,705 |
| Noninterest expense to average assets | 2.8296% | 3,109 |
| Loan and lease loss provision to assets | 0.0591% | 3,126 |
| Net operating income to assets | 0.8666% | 3,038 |
| Return on assets (ROA) | 0.9022% | 2,937 |
| Pretax return on assets | 1.1989% | 2,662 |
| Return on Equity (ROE) | 10.2834% | 1,887 |
| Retained earnings to average equity (ytd only) | 6.6205% | 1,483 |
| Net charge-offs to loans | 0.0515% | 3,170 |
| Credit loss provision to net charge-offs | 161.1940% | 1,672 |
| Earnings coverage of net charge-offs (x) | 33.0075% | 1,356 |
| Efficiency ratio | 70.0359% | 3,223 |
| Assets per employee ($millions) | 3.6259% | 4,600 |
| Cash dividends to net income (ytd only)* | 35.6189% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 4,239 |
| Loan loss allowance to noncurrent loans | 73.1554% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 1,944 |
| Noncurrent loans to loans | 1.4554% | 1,606 |
| Net loans and leases to total assets | 72.2787% | 2,001 |
| Net loans and leases to deposits | 84.9834% | 2,241 |
| Net loans and leases to core deposits | 87.2784% | 2,675 |
| Total domestic deposits to total assets | 85.0504% | 3,065 |
| Equity capital to assets | 8.8382% | 5,273 |
| Core capital (leverage) ratio | 8.6374% | 5,294 |
| Tier 1 risk-based capital ratio | 12.0157% | 4,937 |
| Total risk-based capital ratio | 13.1365% | 4,931 |
| Memoranda: | ||
| Average total assets | $365,349,000 | 1,793 |
| Average earning assets | $338,899,400 | 1,789 |
| Average equity | $32,051,800 | 2,196 |
| Average total loans | $260,030,000 | 1,671 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,631 |
| Cost of funding earning assets | 0.4888% | 2,324 |
| Net interest margin | 3.4409% | 3,793 |
| Noninterest income to average assets | 0.8195% | 1,727 |
| Noninterest expense to average assets | 2.7901% | 3,227 |
| Loan and lease loss provision to assets | 0.0793% | 2,586 |
| Net operating income to assets | 0.8599% | 3,125 |
| Return on assets (ROA) | 0.8921% | 3,084 |
| Pretax return on assets | 1.1857% | 2,871 |
| Return on Equity (ROE) | 10.1885% | 2,031 |
| Retained earnings to average equity (ytd only) | 6.5213% | 1,946 |
| Net charge-offs to loans | -0.0192% | 5,194 |
| Credit loss provision to net charge-offs | -583.7838% | 5,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5418% | 3,282 |
| Assets per employee ($millions) | 3.6271% | 4,562 |
| Cash dividends to net income (ytd only)* | 35.9935% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,935 |
| Loan loss allowance to noncurrent loans | 67.3380% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 1,901 |
| Noncurrent loans to loans | 1.7056% | 1,413 |
| Net loans and leases to total assets | 71.5598% | 2,129 |
| Net loans and leases to deposits | 84.7474% | 2,311 |
| Net loans and leases to core deposits | 87.9683% | 2,663 |
| Total domestic deposits to total assets | 84.4389% | 3,241 |
| Equity capital to assets | 8.8317% | 5,459 |
| Core capital (leverage) ratio | 8.6803% | 5,372 |
| Tier 1 risk-based capital ratio | 12.0253% | 5,071 |
| Total risk-based capital ratio | 13.2323% | 5,014 |
| Memoranda: | ||
| Average total assets | $363,319,250 | 1,811 |
| Average earning assets | $337,114,250 | 1,815 |
| Average equity | $31,812,750 | 2,225 |
| Average total loans | $256,826,750 | 1,693 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 3,704 |
| Cost of funding earning assets | 0.4878% | 2,371 |
| Net interest margin | 3.4098% | 3,877 |
| Noninterest income to average assets | 0.8330% | 1,660 |
| Noninterest expense to average assets | 2.8047% | 3,220 |
| Loan and lease loss provision to assets | 0.0897% | 2,319 |
| Net operating income to assets | 0.8325% | 3,203 |
| Return on assets (ROA) | 0.8817% | 3,096 |
| Pretax return on assets | 1.1664% | 2,912 |
| Return on Equity (ROE) | 10.0997% | 2,028 |
| Retained earnings to average equity (ytd only) | 6.4011% | 2,004 |
| Net charge-offs to loans | -0.0932% | 5,764 |
| Credit loss provision to net charge-offs | -137.2881% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1871% | 3,298 |
| Assets per employee ($millions) | 3.5328% | 4,733 |
| Cash dividends to net income (ytd only)* | 36.6206% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 3,827 |
| Loan loss allowance to noncurrent loans | 73.9162% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.1650% | 2,178 |
| Noncurrent loans to loans | 1.6159% | 1,623 |
| Net loans and leases to total assets | 71.2344% | 2,122 |
| Net loans and leases to deposits | 83.8948% | 2,323 |
| Net loans and leases to core deposits | 87.0014% | 2,654 |
| Total domestic deposits to total assets | 84.9091% | 3,155 |
| Equity capital to assets | 8.8188% | 5,414 |
| Core capital (leverage) ratio | 8.7065% | 5,315 |
| Tier 1 risk-based capital ratio | 12.0599% | 5,101 |
| Total risk-based capital ratio | 13.3020% | 5,010 |
| Memoranda: | ||
| Average total assets | $361,105,000 | 1,836 |
| Average earning assets | $334,979,330 | 1,842 |
| Average equity | $31,525,670 | 2,244 |
| Average total loans | $253,162,330 | 1,724 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 3,689 |
| Cost of funding earning assets | 0.4958% | 2,327 |
| Net interest margin | 3.3871% | 3,897 |
| Noninterest income to average assets | 0.7702% | 1,825 |
| Noninterest expense to average assets | 2.7907% | 3,282 |
| Loan and lease loss provision to assets | 0.0896% | 2,197 |
| Net operating income to assets | 0.7878% | 3,324 |
| Return on assets (ROA) | 0.8543% | 3,106 |
| Pretax return on assets | 1.1220% | 2,990 |
| Return on Equity (ROE) | 9.8346% | 2,080 |
| Retained earnings to average equity (ytd only) | 6.1275% | 2,414 |
| Net charge-offs to loans | -0.2353% | 6,092 |
| Credit loss provision to net charge-offs | -55.1020% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2832% | 3,287 |
| Assets per employee ($millions) | 3.5689% | 4,780 |
| Cash dividends to net income (ytd only)* | 37.6943% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 3,814 |
| Loan loss allowance to noncurrent loans | 73.9636% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 2,345 |
| Noncurrent loans to loans | 1.6555% | 1,679 |
| Net loans and leases to total assets | 68.2804% | 2,399 |
| Net loans and leases to deposits | 79.2377% | 2,653 |
| Net loans and leases to core deposits | 82.2107% | 2,944 |
| Total domestic deposits to total assets | 86.1716% | 2,846 |
| Equity capital to assets | 8.8056% | 5,496 |
| Core capital (leverage) ratio | 8.5470% | 5,476 |
| Tier 1 risk-based capital ratio | 12.3694% | 4,996 |
| Total risk-based capital ratio | 13.6194% | 4,909 |
| Memoranda: | ||
| Average total assets | $361,486,000 | 1,836 |
| Average earning assets | $335,625,500 | 1,833 |
| Average equity | $31,399,500 | 2,263 |
| Average total loans | $249,848,000 | 1,744 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,926 |
| Cost of funding earning assets | 0.5420% | 2,274 |
| Net interest margin | 3.4075% | 4,167 |
| Noninterest income to average assets | 0.8299% | 1,752 |
| Noninterest expense to average assets | 2.8532% | 3,290 |
| Loan and lease loss provision to assets | 0.0864% | 2,746 |
| Net operating income to assets | 0.8065% | 3,341 |
| Return on assets (ROA) | 0.8256% | 3,344 |
| Pretax return on assets | 1.0761% | 3,179 |
| Return on Equity (ROE) | 9.7113% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.2758% | 1,285 |
| Net charge-offs to loans | -0.0037% | 5,432 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4914% | 3,291 |
| Assets per employee ($millions) | 3.6991% | 4,528 |
| Cash dividends to net income (ytd only)* | 25.0785% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 4,404 |
| Loan loss allowance to noncurrent loans | 103.5963% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 3,328 |
| Noncurrent loans to loans | 1.0877% | 2,648 |
| Net loans and leases to total assets | 68.3283% | 2,508 |
| Net loans and leases to deposits | 79.4150% | 2,793 |
| Net loans and leases to core deposits | 84.3043% | 2,864 |
| Total domestic deposits to total assets | 86.0396% | 2,816 |
| Equity capital to assets | 8.5675% | 5,672 |
| Core capital (leverage) ratio | 8.3018% | 5,773 |
| Tier 1 risk-based capital ratio | 12.2689% | 5,180 |
| Total risk-based capital ratio | 13.4609% | 5,135 |
| Memoranda: | ||
| Average total assets | $347,257,000 | 1,875 |
| Average earning assets | $322,139,000 | 1,858 |
| Average equity | $29,522,400 | 2,302 |
| Average total loans | $240,580,400 | 1,757 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,989 |
| Cost of funding earning assets | 0.5493% | 2,300 |
| Net interest margin | 3.3968% | 4,257 |
| Noninterest income to average assets | 0.8708% | 1,619 |
| Noninterest expense to average assets | 2.8258% | 3,364 |
| Loan and lease loss provision to assets | 0.0873% | 2,605 |
| Net operating income to assets | 0.8446% | 3,205 |
| Return on assets (ROA) | 0.8700% | 3,165 |
| Pretax return on assets | 1.1429% | 3,019 |
| Return on Equity (ROE) | 10.2542% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.6049% | 1,530 |
| Net charge-offs to loans | 0.0078% | 4,441 |
| Credit loss provision to net charge-offs | 1,607.1429% | 224 |
| Earnings coverage of net charge-offs (x) | 220.1693% | 296 |
| Efficiency ratio | 70.2471% | 3,471 |
| Assets per employee ($millions) | 3.5742% | 4,729 |
| Cash dividends to net income (ytd only)* | 25.8366% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 4,719 |
| Loan loss allowance to noncurrent loans | 92.2166% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 3,112 |
| Noncurrent loans to loans | 1.1988% | 2,650 |
| Net loans and leases to total assets | 68.1997% | 2,498 |
| Net loans and leases to deposits | 79.0493% | 2,832 |
| Net loans and leases to core deposits | 84.0141% | 2,877 |
| Total domestic deposits to total assets | 86.2748% | 2,718 |
| Equity capital to assets | 8.5131% | 5,789 |
| Core capital (leverage) ratio | 8.3565% | 5,793 |
| Tier 1 risk-based capital ratio | 12.2132% | 5,354 |
| Total risk-based capital ratio | 13.3786% | 5,326 |
| Memoranda: | ||
| Average total assets | $343,443,750 | 1,903 |
| Average earning assets | $318,687,250 | 1,885 |
| Average equity | $29,138,500 | 2,341 |
| Average total loans | $238,095,500 | 1,776 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 3,880 |
| Cost of funding earning assets | 0.5571% | 2,290 |
| Net interest margin | 3.4064% | 4,146 |
| Noninterest income to average assets | 0.8342% | 1,721 |
| Noninterest expense to average assets | 2.8413% | 3,368 |
| Loan and lease loss provision to assets | 0.0886% | 2,552 |
| Net operating income to assets | 0.8162% | 3,250 |
| Return on assets (ROA) | 0.8430% | 3,212 |
| Pretax return on assets | 1.1010% | 3,096 |
| Return on Equity (ROE) | 9.9482% | 2,172 |
| Retained earnings to average equity (ytd only) | 5.9146% | 2,369 |
| Net charge-offs to loans | 0.0357% | 3,499 |
| Credit loss provision to net charge-offs | 357.1429% | 751 |
| Earnings coverage of net charge-offs (x) | 46.5714% | 959 |
| Efficiency ratio | 71.1036% | 3,486 |
| Assets per employee ($millions) | 3.4056% | 5,044 |
| Cash dividends to net income (ytd only)* | 40.5462% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 4,889 |
| Loan loss allowance to noncurrent loans | 88.9417% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 3,151 |
| Noncurrent loans to loans | 1.2414% | 2,744 |
| Net loans and leases to total assets | 67.6082% | 2,482 |
| Net loans and leases to deposits | 78.1878% | 2,776 |
| Net loans and leases to core deposits | 83.9786% | 2,738 |
| Total domestic deposits to total assets | 86.4690% | 2,776 |
| Equity capital to assets | 8.5372% | 5,773 |
| Core capital (leverage) ratio | 8.3723% | 5,775 |
| Tier 1 risk-based capital ratio | 12.1699% | 5,439 |
| Total risk-based capital ratio | 13.3204% | 5,432 |
| Memoranda: | ||
| Average total assets | $338,783,670 | 1,928 |
| Average earning assets | $314,469,670 | 1,908 |
| Average equity | $28,708,670 | 2,362 |
| Average total loans | $235,298,330 | 1,789 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,868 |
| Cost of funding earning assets | 0.5608% | 2,335 |
| Net interest margin | 3.3969% | 4,128 |
| Noninterest income to average assets | 0.8514% | 1,551 |
| Noninterest expense to average assets | 2.9263% | 3,133 |
| Loan and lease loss provision to assets | 0.0897% | 2,420 |
| Net operating income to assets | 0.7691% | 3,315 |
| Return on assets (ROA) | 0.7976% | 3,243 |
| Pretax return on assets | 1.0380% | 3,176 |
| Return on Equity (ROE) | 9.4493% | 2,271 |
| Retained earnings to average equity (ytd only) | 5.3551% | 2,884 |
| Net charge-offs to loans | 0.0922% | 2,237 |
| Credit loss provision to net charge-offs | 138.8889% | 1,318 |
| Earnings coverage of net charge-offs (x) | 16.8889% | 1,488 |
| Efficiency ratio | 72.8491% | 3,332 |
| Assets per employee ($millions) | 3.4892% | 4,942 |
| Cash dividends to net income (ytd only)* | 43.3283% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 5,217 |
| Loan loss allowance to noncurrent loans | 84.0796% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 3,270 |
| Noncurrent loans to loans | 1.2824% | 2,888 |
| Net loans and leases to total assets | 68.7136% | 2,108 |
| Net loans and leases to deposits | 79.7714% | 2,324 |
| Net loans and leases to core deposits | 86.0437% | 2,315 |
| Total domestic deposits to total assets | 86.1381% | 3,286 |
| Equity capital to assets | 8.4750% | 5,678 |
| Core capital (leverage) ratio | 8.5069% | 5,632 |
| Tier 1 risk-based capital ratio | 12.0882% | 5,578 |
| Total risk-based capital ratio | 13.2128% | 5,601 |
| Memoranda: | ||
| Average total assets | $334,489,500 | 1,959 |
| Average earning assets | $311,697,000 | 1,934 |
| Average equity | $28,235,000 | 2,387 |
| Average total loans | $234,210,500 | 1,797 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 4,233 |
| Cost of funding earning assets | 0.6496% | 2,205 |
| Net interest margin | 3.3122% | 4,616 |
| Noninterest income to average assets | 0.9253% | 1,595 |
| Noninterest expense to average assets | 2.9078% | 3,346 |
| Loan and lease loss provision to assets | 0.1108% | 2,959 |
| Net operating income to assets | 0.8022% | 3,282 |
| Return on assets (ROA) | 0.8080% | 3,349 |
| Pretax return on assets | 1.0308% | 3,224 |
| Return on Equity (ROE) | 9.4525% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.3906% | 2,353 |
| Net charge-offs to loans | 0.0571% | 4,429 |
| Credit loss provision to net charge-offs | 285.7143% | 788 |
| Earnings coverage of net charge-offs (x) | 29.2460% | 1,211 |
| Efficiency ratio | 71.9388% | 3,486 |
| Assets per employee ($millions) | 3.4075% | 5,066 |
| Cash dividends to net income (ytd only)* | 42.9714% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,251 |
| Loan loss allowance to noncurrent loans | 99.9602% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 3,983 |
| Noncurrent loans to loans | 1.0779% | 3,370 |
| Net loans and leases to total assets | 69.8307% | 2,042 |
| Net loans and leases to deposits | 83.4906% | 2,000 |
| Net loans and leases to core deposits | 86.9209% | 2,360 |
| Total domestic deposits to total assets | 83.6391% | 4,304 |
| Equity capital to assets | 8.4066% | 5,687 |
| Core capital (leverage) ratio | 8.4058% | 5,771 |
| Tier 1 risk-based capital ratio | 12.1321% | 5,540 |
| Total risk-based capital ratio | 13.2670% | 5,542 |
| Memoranda: | ||
| Average total assets | $324,884,400 | 1,980 |
| Average earning assets | $305,721,400 | 1,938 |
| Average equity | $27,770,400 | 2,396 |
| Average total loans | $220,607,800 | 1,858 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 4,336 |
| Cost of funding earning assets | 0.6591% | 2,278 |
| Net interest margin | 3.2845% | 4,698 |
| Noninterest income to average assets | 0.9435% | 1,622 |
| Noninterest expense to average assets | 2.8964% | 3,321 |
| Loan and lease loss provision to assets | 0.1113% | 2,906 |
| Net operating income to assets | 0.8063% | 3,312 |
| Return on assets (ROA) | 0.8112% | 3,422 |
| Pretax return on assets | 1.0354% | 3,353 |
| Return on Equity (ROE) | 9.4500% | 2,423 |
| Retained earnings to average equity (ytd only) | 5.4165% | 2,786 |
| Net charge-offs to loans | 0.0527% | 4,154 |
| Credit loss provision to net charge-offs | 313.9535% | 815 |
| Earnings coverage of net charge-offs (x) | 32.1755% | 1,180 |
| Efficiency ratio | 71.7480% | 3,449 |
| Assets per employee ($millions) | 3.7971% | 4,249 |
| Cash dividends to net income (ytd only)* | 42.6829% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,357 |
| Loan loss allowance to noncurrent loans | 108.1176% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 4,255 |
| Noncurrent loans to loans | 1.0112% | 3,784 |
| Net loans and leases to total assets | 66.7089% | 2,521 |
| Net loans and leases to deposits | 77.8339% | 2,697 |
| Net loans and leases to core deposits | 82.9706% | 2,765 |
| Total domestic deposits to total assets | 85.7067% | 3,402 |
| Equity capital to assets | 8.3051% | 5,910 |
| Core capital (leverage) ratio | 8.5120% | 5,757 |
| Tier 1 risk-based capital ratio | 12.2845% | 5,582 |
| Total risk-based capital ratio | 13.4267% | 5,604 |
| Memoranda: | ||
| Average total assets | $323,474,250 | 1,997 |
| Average earning assets | $304,659,500 | 1,954 |
| Average equity | $27,766,500 | 2,427 |
| Average total loans | $217,429,250 | 1,881 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 4,262 |
| Cost of funding earning assets | 0.6707% | 2,312 |
| Net interest margin | 3.2892% | 4,626 |
| Noninterest income to average assets | 0.9521% | 1,646 |
| Noninterest expense to average assets | 2.9333% | 3,232 |
| Loan and lease loss provision to assets | 0.1125% | 2,933 |
| Net operating income to assets | 0.7889% | 3,354 |
| Return on assets (ROA) | 0.7977% | 3,459 |
| Pretax return on assets | 1.0171% | 3,429 |
| Return on Equity (ROE) | 9.1892% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.2139% | 2,916 |
| Net charge-offs to loans | 0.1555% | 2,859 |
| Credit loss provision to net charge-offs | 107.7844% | 2,056 |
| Earnings coverage of net charge-offs (x) | 10.7126% | 2,131 |
| Efficiency ratio | 72.3962% | 3,402 |
| Assets per employee ($millions) | 3.5707% | 4,703 |
| Cash dividends to net income (ytd only)* | 43.2602% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 5,628 |
| Loan loss allowance to noncurrent loans | 81.1681% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8990% | 3,992 |
| Noncurrent loans to loans | 1.2939% | 3,392 |
| Net loans and leases to total assets | 68.7554% | 2,100 |
| Net loans and leases to deposits | 81.3117% | 2,140 |
| Net loans and leases to core deposits | 84.9004% | 2,442 |
| Total domestic deposits to total assets | 84.5578% | 4,103 |
| Equity capital to assets | 8.6862% | 5,570 |
| Core capital (leverage) ratio | 8.5207% | 5,646 |
| Tier 1 risk-based capital ratio | 12.3507% | 5,598 |
| Total risk-based capital ratio | 13.4385% | 5,632 |
| Memoranda: | ||
| Average total assets | $319,918,000 | 2,022 |
| Average earning assets | $301,473,670 | 1,980 |
| Average equity | $27,771,670 | 2,438 |
| Average total loans | $214,783,330 | 1,905 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 4,411 |
| Cost of funding earning assets | 0.6772% | 2,417 |
| Net interest margin | 3.2415% | 4,758 |
| Noninterest income to average assets | 0.8700% | 1,864 |
| Noninterest expense to average assets | 2.9198% | 3,273 |
| Loan and lease loss provision to assets | 0.1115% | 2,840 |
| Net operating income to assets | 0.7178% | 3,606 |
| Return on assets (ROA) | 0.7188% | 3,738 |
| Pretax return on assets | 0.9010% | 3,761 |
| Return on Equity (ROE) | 8.2826% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.4126% | 3,587 |
| Net charge-offs to loans | 0.2272% | 2,084 |
| Credit loss provision to net charge-offs | 74.3802% | 2,238 |
| Earnings coverage of net charge-offs (x) | 6.7438% | 2,169 |
| Efficiency ratio | 74.2749% | 3,220 |
| Assets per employee ($millions) | 3.6570% | 4,654 |
| Cash dividends to net income (ytd only)* | 46.7241% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 5,706 |
| Loan loss allowance to noncurrent loans | 63.8739% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 3,769 |
| Noncurrent loans to loans | 1.6777% | 3,030 |
| Net loans and leases to total assets | 63.7916% | 2,748 |
| Net loans and leases to deposits | 74.7049% | 2,817 |
| Net loans and leases to core deposits | 79.6747% | 2,846 |
| Total domestic deposits to total assets | 85.3915% | 3,848 |
| Equity capital to assets | 8.6269% | 5,884 |
| Core capital (leverage) ratio | 8.3990% | 5,708 |
| Tier 1 risk-based capital ratio | 12.5932% | 5,522 |
| Total risk-based capital ratio | 13.6994% | 5,559 |
| Memoranda: | ||
| Average total assets | $322,765,000 | 2,033 |
| Average earning assets | $304,797,500 | 1,977 |
| Average equity | $28,010,500 | 2,444 |
| Average total loans | $213,005,500 | 1,922 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 4,457 |
| Cost of funding earning assets | 0.7637% | 2,974 |
| Net interest margin | 3.4705% | 4,625 |
| Noninterest income to average assets | 1.0043% | 1,523 |
| Noninterest expense to average assets | 2.7872% | 4,074 |
| Loan and lease loss provision to assets | 0.1829% | 3,349 |
| Net operating income to assets | 0.9726% | 2,449 |
| Return on assets (ROA) | 0.9908% | 2,600 |
| Pretax return on assets | 1.3254% | 2,302 |
| Return on Equity (ROE) | 11.7534% | 1,576 |
| Retained earnings to average equity (ytd only) | 8.0928% | 1,089 |
| Net charge-offs to loans | 1.0605% | 1,009 |
| Credit loss provision to net charge-offs | 26.2873% | 5,181 |
| Earnings coverage of net charge-offs (x) | 2.1332% | 4,346 |
| Efficiency ratio | 65.2542% | 4,657 |
| Assets per employee ($millions) | 3.5962% | 4,791 |
| Cash dividends to net income (ytd only)* | 31.1449% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,742 |
| Loan loss allowance to noncurrent loans | 59.6390% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 3,668 |
| Noncurrent loans to loans | 1.7688% | 2,964 |
| Net loans and leases to total assets | 66.8185% | 2,400 |
| Net loans and leases to deposits | 78.6114% | 2,448 |
| Net loans and leases to core deposits | 83.1810% | 2,647 |
| Total domestic deposits to total assets | 84.9985% | 3,866 |
| Equity capital to assets | 8.7305% | 5,820 |
| Core capital (leverage) ratio | 8.2444% | 5,946 |
| Tier 1 risk-based capital ratio | 12.1376% | 5,696 |
| Total risk-based capital ratio | 13.2303% | 5,755 |
| Memoranda: | ||
| Average total assets | $318,237,400 | 2,014 |
| Average earning assets | $299,582,800 | 1,974 |
| Average equity | $26,826,200 | 2,496 |
| Average total loans | $208,768,000 | 1,931 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 4,636 |
| Cost of funding earning assets | 0.7798% | 3,114 |
| Net interest margin | 3.4730% | 4,743 |
| Noninterest income to average assets | 0.9784% | 1,567 |
| Noninterest expense to average assets | 2.7905% | 4,013 |
| Loan and lease loss provision to assets | 0.1116% | 4,171 |
| Net operating income to assets | 0.9987% | 2,510 |
| Return on assets (ROA) | 1.0112% | 2,677 |
| Pretax return on assets | 1.3632% | 2,364 |
| Return on Equity (ROE) | 12.1040% | 1,597 |
| Retained earnings to average equity (ytd only) | 8.4979% | 1,409 |
| Net charge-offs to loans | 0.6263% | 1,757 |
| Credit loss provision to net charge-offs | 27.3663% | 4,839 |
| Earnings coverage of net charge-offs (x) | 3.5751% | 3,587 |
| Efficiency ratio | 65.6824% | 4,506 |
| Assets per employee ($millions) | 3.7662% | 4,390 |
| Cash dividends to net income (ytd only)* | 29.7926% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 3,984 |
| Loan loss allowance to noncurrent loans | 57.0057% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.7364% | 3,002 |
| Noncurrent loans to loans | 2.6192% | 2,174 |
| Net loans and leases to total assets | 65.3054% | 2,777 |
| Net loans and leases to deposits | 77.4440% | 2,738 |
| Net loans and leases to core deposits | 81.5819% | 3,017 |
| Total domestic deposits to total assets | 84.3259% | 4,068 |
| Equity capital to assets | 8.5433% | 6,228 |
| Core capital (leverage) ratio | 8.2811% | 6,046 |
| Tier 1 risk-based capital ratio | 11.9381% | 5,970 |
| Total risk-based capital ratio | 13.1910% | 5,958 |
| Memoranda: | ||
| Average total assets | $317,781,500 | 2,043 |
| Average earning assets | $299,218,250 | 1,996 |
| Average equity | $26,547,000 | 2,539 |
| Average total loans | $206,925,000 | 1,968 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 4,537 |
| Cost of funding earning assets | 0.8040% | 3,157 |
| Net interest margin | 3.5047% | 4,647 |
| Noninterest income to average assets | 0.9387% | 1,650 |
| Noninterest expense to average assets | 2.7915% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0571% | 2,216 |
| Return on assets (ROA) | 1.0756% | 2,366 |
| Pretax return on assets | 1.4695% | 1,956 |
| Return on Equity (ROE) | 12.9755% | 1,369 |
| Retained earnings to average equity (ytd only) | 9.3763% | 1,147 |
| Net charge-offs to loans | 0.1938% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.5152% | 1,955 |
| Efficiency ratio | 65.9040% | 4,550 |
| Assets per employee ($millions) | 3.5933% | 4,762 |
| Cash dividends to net income (ytd only)* | 27.7385% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 2,939 |
| Loan loss allowance to noncurrent loans | 83.7241% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 3,560 |
| Noncurrent loans to loans | 2.1216% | 2,801 |
| Net loans and leases to total assets | 66.4596% | 2,578 |
| Net loans and leases to deposits | 78.5612% | 2,589 |
| Net loans and leases to core deposits | 82.9864% | 2,829 |
| Total domestic deposits to total assets | 84.5959% | 4,054 |
| Equity capital to assets | 8.7136% | 6,009 |
| Core capital (leverage) ratio | 8.2303% | 6,014 |
| Tier 1 risk-based capital ratio | 12.0062% | 5,932 |
| Total risk-based capital ratio | 13.2629% | 5,903 |
| Memoranda: | ||
| Average total assets | $315,744,670 | 2,056 |
| Average earning assets | $297,028,670 | 2,003 |
| Average equity | $26,172,330 | 2,557 |
| Average total loans | $204,325,000 | 1,983 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 4,703 |
| Cost of funding earning assets | 0.8292% | 3,240 |
| Net interest margin | 3.4791% | 4,794 |
| Noninterest income to average assets | 0.8850% | 1,816 |
| Noninterest expense to average assets | 2.7890% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0078% | 2,453 |
| Return on assets (ROA) | 1.0078% | 2,641 |
| Pretax return on assets | 1.3726% | 2,274 |
| Return on Equity (ROE) | 12.4675% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.8854% | 1,627 |
| Net charge-offs to loans | 0.2496% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.6905% | 1,928 |
| Efficiency ratio | 67.0181% | 4,356 |
| Assets per employee ($millions) | 3.7741% | 4,483 |
| Cash dividends to net income (ytd only)* | 28.7313% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,757 |
| Loan loss allowance to noncurrent loans | 111.6814% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 4,404 |
| Noncurrent loans to loans | 1.6781% | 3,586 |
| Net loans and leases to total assets | 61.0727% | 3,433 |
| Net loans and leases to deposits | 71.6621% | 3,483 |
| Net loans and leases to core deposits | 76.6438% | 3,534 |
| Total domestic deposits to total assets | 85.2232% | 3,921 |
| Equity capital to assets | 8.0365% | 6,500 |
| Core capital (leverage) ratio | 7.8695% | 6,361 |
| Tier 1 risk-based capital ratio | 11.9895% | 5,967 |
| Total risk-based capital ratio | 13.2472% | 5,949 |
| Memoranda: | ||
| Average total assets | $319,106,500 | 2,034 |
| Average earning assets | $300,540,500 | 1,978 |
| Average equity | $25,795,000 | 2,590 |
| Average total loans | $201,943,500 | 2,018 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 4,149 |
| Cost of funding earning assets | 1.0850% | 2,770 |
| Net interest margin | 3.6392% | 4,571 |
| Noninterest income to average assets | 0.8734% | 1,760 |
| Noninterest expense to average assets | 2.9448% | 3,795 |
| Loan and lease loss provision to assets | -0.0613% | 7,252 |
| Net operating income to assets | 1.0404% | 2,039 |
| Return on assets (ROA) | 1.0495% | 2,149 |
| Pretax return on assets | 1.4118% | 1,745 |
| Return on Equity (ROE) | 13.2129% | 1,121 |
| Retained earnings to average equity (ytd only) | 9.6792% | 634 |
| Net charge-offs to loans | 0.0039% | 6,390 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,911 |
| Earnings coverage of net charge-offs (x) | 502.3750% | 65 |
| Efficiency ratio | 68.7553% | 4,197 |
| Assets per employee ($millions) | 3.6470% | 4,674 |
| Cash dividends to net income (ytd only)* | 26.7449% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 2,461 |
| Loan loss allowance to noncurrent loans | 97.0961% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.2846% | 4,071 |
| Noncurrent loans to loans | 1.9958% | 3,210 |
| Net loans and leases to total assets | 63.1181% | 3,378 |
| Net loans and leases to deposits | 74.4250% | 3,432 |
| Net loans and leases to core deposits | 80.6839% | 3,358 |
| Total domestic deposits to total assets | 84.8076% | 3,956 |
| Equity capital to assets | 8.1321% | 6,493 |
| Core capital (leverage) ratio | 7.7553% | 6,488 |
| Tier 1 risk-based capital ratio | 11.9073% | 5,894 |
| Total risk-based capital ratio | 13.1662% | 5,868 |
| Memoranda: | ||
| Average total assets | $300,321,800 | 2,128 |
| Average earning assets | $281,382,800 | 2,083 |
| Average equity | $23,855,400 | 2,682 |
| Average total loans | $203,860,000 | 2,005 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 3,993 |
| Cost of funding earning assets | 1.1360% | 2,728 |
| Net interest margin | 3.6710% | 4,465 |
| Noninterest income to average assets | 0.8494% | 1,838 |
| Noninterest expense to average assets | 2.8911% | 3,968 |
| Loan and lease loss provision to assets | 0.0296% | 6,067 |
| Net operating income to assets | 1.0231% | 2,238 |
| Return on assets (ROA) | 1.0299% | 2,374 |
| Pretax return on assets | 1.3760% | 2,022 |
| Return on Equity (ROE) | 13.0471% | 1,264 |
| Retained earnings to average equity (ytd only) | 9.5208% | 978 |
| Net charge-offs to loans | -0.0352% | 6,992 |
| Credit loss provision to net charge-offs | -122.2222% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4275% | 4,436 |
| Assets per employee ($millions) | 3.6264% | 4,687 |
| Cash dividends to net income (ytd only)* | 27.0272% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0477% | 2,213 |
| Loan loss allowance to noncurrent loans | 92.8556% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4586% | 3,932 |
| Noncurrent loans to loans | 2.2053% | 3,102 |
| Net loans and leases to total assets | 64.7879% | 3,150 |
| Net loans and leases to deposits | 77.9742% | 3,001 |
| Net loans and leases to core deposits | 85.0877% | 2,902 |
| Total domestic deposits to total assets | 83.0889% | 4,644 |
| Equity capital to assets | 7.9497% | 6,726 |
| Core capital (leverage) ratio | 7.8668% | 6,515 |
| Tier 1 risk-based capital ratio | 11.3710% | 6,316 |
| Total risk-based capital ratio | 12.6365% | 6,305 |
| Memoranda: | ||
| Average total assets | $296,991,250 | 2,157 |
| Average earning assets | $278,170,000 | 2,116 |
| Average equity | $23,442,750 | 2,733 |
| Average total loans | $204,355,500 | 2,024 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 3,685 |
| Cost of funding earning assets | 1.1862% | 2,670 |
| Net interest margin | 3.6990% | 4,263 |
| Noninterest income to average assets | 0.8527% | 1,794 |
| Noninterest expense to average assets | 2.9305% | 3,901 |
| Loan and lease loss provision to assets | 0.0452% | 5,744 |
| Net operating income to assets | 1.0049% | 2,209 |
| Return on assets (ROA) | 1.0115% | 2,278 |
| Pretax return on assets | 1.3478% | 1,972 |
| Return on Equity (ROE) | 12.8476% | 1,233 |
| Retained earnings to average equity (ytd only) | 9.3247% | 1,005 |
| Net charge-offs to loans | -0.0363% | 6,966 |
| Credit loss provision to net charge-offs | -178.3784% | 6,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9206% | 4,530 |
| Assets per employee ($millions) | 3.3985% | 5,205 |
| Cash dividends to net income (ytd only)* | 27.4204% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 2,153 |
| Loan loss allowance to noncurrent loans | 140.4674% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 4,832 |
| Noncurrent loans to loans | 1.4835% | 4,200 |
| Net loans and leases to total assets | 67.6367% | 2,686 |
| Net loans and leases to deposits | 82.8068% | 2,314 |
| Net loans and leases to core deposits | 91.2891% | 2,221 |
| Total domestic deposits to total assets | 81.6801% | 5,281 |
| Equity capital to assets | 8.1482% | 6,553 |
| Core capital (leverage) ratio | 7.7968% | 6,515 |
| Tier 1 risk-based capital ratio | 11.3229% | 6,302 |
| Total risk-based capital ratio | 12.5919% | 6,282 |
| Memoranda: | ||
| Average total assets | $292,030,670 | 2,200 |
| Average earning assets | $273,314,000 | 2,154 |
| Average equity | $22,992,670 | 2,757 |
| Average total loans | $203,714,000 | 2,049 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8517% | 3,812 |
| Cost of funding earning assets | 1.1946% | 2,850 |
| Net interest margin | 3.6570% | 4,298 |
| Noninterest income to average assets | 0.8002% | 2,035 |
| Noninterest expense to average assets | 2.9132% | 4,006 |
| Loan and lease loss provision to assets | 0.0904% | 4,883 |
| Net operating income to assets | 0.9210% | 2,474 |
| Return on assets (ROA) | 0.9345% | 2,491 |
| Pretax return on assets | 1.2374% | 2,241 |
| Return on Equity (ROE) | 12.0807% | 1,438 |
| Retained earnings to average equity (ytd only) | 8.5734% | 1,529 |
| Net charge-offs to loans | 0.0215% | 4,777 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 86.9091% | 357 |
| Efficiency ratio | 68.9812% | 4,481 |
| Assets per employee ($millions) | 3.4252% | 5,175 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 2,306 |
| Loan loss allowance to noncurrent loans | 137.7608% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0507% | 4,822 |
| Noncurrent loans to loans | 1.4829% | 4,248 |
| Net loans and leases to total assets | 67.7035% | 2,616 |
| Net loans and leases to deposits | 81.2998% | 2,478 |
| Net loans and leases to core deposits | 89.9095% | 2,361 |
| Total domestic deposits to total assets | 83.2763% | 4,803 |
| Equity capital to assets | 7.7491% | 6,714 |
| Core capital (leverage) ratio | 7.7248% | 6,537 |
| Tier 1 risk-based capital ratio | 11.0755% | 6,456 |
| Total risk-based capital ratio | 12.3365% | 6,426 |
| Memoranda: | ||
| Average total assets | $291,910,000 | 2,212 |
| Average earning assets | $273,226,500 | 2,173 |
| Average equity | $22,581,500 | 2,793 |
| Average total loans | $204,626,000 | 2,057 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1833% | 3,685 |
| Cost of funding earning assets | 1.4346% | 3,048 |
| Net interest margin | 3.7487% | 4,155 |
| Noninterest income to average assets | 0.8636% | 2,000 |
| Noninterest expense to average assets | 2.9448% | 4,055 |
| Loan and lease loss provision to assets | -0.0133% | 7,574 |
| Net operating income to assets | 1.0479% | 1,882 |
| Return on assets (ROA) | 1.0596% | 1,933 |
| Pretax return on assets | 1.4478% | 1,518 |
| Return on Equity (ROE) | 14.2570% | 843 |
| Retained earnings to average equity (ytd only) | 10.8406% | 401 |
| Net charge-offs to loans | 0.1663% | 5,338 |
| Credit loss provision to net charge-offs | -10.8571% | 6,987 |
| Earnings coverage of net charge-offs (x) | 11.6200% | 1,589 |
| Efficiency ratio | 67.4900% | 4,672 |
| Assets per employee ($millions) | 3.4850% | 4,966 |
| Cash dividends to net income (ytd only)* | 23.9631% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9955% | 2,320 |
| Loan loss allowance to noncurrent loans | 117.6943% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 4,524 |
| Noncurrent loans to loans | 1.6955% | 3,965 |
| Net loans and leases to total assets | 69.6819% | 2,609 |
| Net loans and leases to deposits | 83.5239% | 2,526 |
| Net loans and leases to core deposits | 92.5100% | 2,438 |
| Total domestic deposits to total assets | 83.4275% | 4,636 |
| Equity capital to assets | 7.7222% | 6,735 |
| Core capital (leverage) ratio | 7.4901% | 6,716 |
| Tier 1 risk-based capital ratio | 10.7636% | 6,519 |
| Total risk-based capital ratio | 12.0243% | 6,477 |
| Memoranda: | ||
| Average total assets | $286,708,000 | 2,234 |
| Average earning assets | $267,669,400 | 2,198 |
| Average equity | $21,308,800 | 2,968 |
| Average total loans | $210,483,600 | 2,064 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 3,980 |
| Cost of funding earning assets | 1.4701% | 3,143 |
| Net interest margin | 3.7013% | 4,393 |
| Noninterest income to average assets | 0.8855% | 1,849 |
| Noninterest expense to average assets | 2.9148% | 4,028 |
| Loan and lease loss provision to assets | 0.0284% | 6,784 |
| Net operating income to assets | 1.0209% | 2,172 |
| Return on assets (ROA) | 1.0365% | 2,222 |
| Pretax return on assets | 1.4183% | 1,831 |
| Return on Equity (ROE) | 14.0856% | 1,017 |
| Retained earnings to average equity (ytd only) | 10.6338% | 662 |
| Net charge-offs to loans | 0.1430% | 5,156 |
| Credit loss provision to net charge-offs | 26.8722% | 6,185 |
| Earnings coverage of net charge-offs (x) | 13.4713% | 1,579 |
| Efficiency ratio | 67.1607% | 4,631 |
| Assets per employee ($millions) | 3.6842% | 4,543 |
| Cash dividends to net income (ytd only)* | 24.5054% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 2,110 |
| Loan loss allowance to noncurrent loans | 115.6684% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.4104% | 4,337 |
| Noncurrent loans to loans | 1.7694% | 3,993 |
| Net loans and leases to total assets | 70.2457% | 2,678 |
| Net loans and leases to deposits | 84.0795% | 2,690 |
| Net loans and leases to core deposits | 93.1078% | 2,646 |
| Total domestic deposits to total assets | 83.5467% | 4,353 |
| Equity capital to assets | 7.5396% | 7,106 |
| Core capital (leverage) ratio | 7.4618% | 6,871 |
| Tier 1 risk-based capital ratio | 10.2827% | 6,906 |
| Total risk-based capital ratio | 11.5436% | 6,886 |
| Memoranda: | ||
| Average total assets | $286,071,000 | 2,271 |
| Average earning assets | $267,000,000 | 2,238 |
| Average equity | $21,051,750 | 3,044 |
| Average total loans | $211,688,750 | 2,082 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2222% | 3,839 |
| Cost of funding earning assets | 1.5139% | 3,180 |
| Net interest margin | 3.7082% | 4,327 |
| Noninterest income to average assets | 0.8362% | 1,936 |
| Noninterest expense to average assets | 2.8858% | 4,129 |
| Loan and lease loss provision to assets | 0.0996% | 5,913 |
| Net operating income to assets | 0.9619% | 2,323 |
| Return on assets (ROA) | 0.9859% | 2,330 |
| Pretax return on assets | 1.3398% | 1,975 |
| Return on Equity (ROE) | 13.5129% | 1,139 |
| Retained earnings to average equity (ytd only) | 10.0089% | 844 |
| Net charge-offs to loans | 0.1634% | 4,638 |
| Credit loss provision to net charge-offs | 81.5029% | 4,664 |
| Earnings coverage of net charge-offs (x) | 11.5145% | 1,759 |
| Efficiency ratio | 67.2261% | 4,721 |
| Assets per employee ($millions) | 3.3896% | 5,218 |
| Cash dividends to net income (ytd only)* | 25.9312% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1023% | 1,957 |
| Loan loss allowance to noncurrent loans | 115.8442% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.3729% | 4,426 |
| Noncurrent loans to loans | 1.8148% | 3,984 |
| Net loans and leases to total assets | 72.9417% | 2,183 |
| Net loans and leases to deposits | 88.9698% | 2,006 |
| Net loans and leases to core deposits | 98.8783% | 2,135 |
| Total domestic deposits to total assets | 81.9848% | 4,993 |
| Equity capital to assets | 7.5216% | 7,099 |
| Core capital (leverage) ratio | 7.2644% | 7,022 |
| Tier 1 risk-based capital ratio | 9.9583% | 7,046 |
| Total risk-based capital ratio | 11.2193% | 7,023 |
| Memoranda: | ||
| Average total assets | $283,182,330 | 2,311 |
| Average earning assets | $263,952,000 | 2,274 |
| Average equity | $20,661,670 | 3,083 |
| Average total loans | $211,796,330 | 2,104 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 3,947 |
| Cost of funding earning assets | 1.5888% | 3,027 |
| Net interest margin | 3.6251% | 4,600 |
| Noninterest income to average assets | 0.7946% | 2,048 |
| Noninterest expense to average assets | 2.7520% | 4,683 |
| Loan and lease loss provision to assets | 0.1714% | 4,812 |
| Net operating income to assets | 0.9414% | 2,388 |
| Return on assets (ROA) | 0.9759% | 2,343 |
| Pretax return on assets | 1.2903% | 2,074 |
| Return on Equity (ROE) | 13.5867% | 1,125 |
| Retained earnings to average equity (ytd only) | 10.0175% | 1,136 |
| Net charge-offs to loans | 0.2117% | 3,654 |
| Credit loss provision to net charge-offs | 108.0357% | 3,186 |
| Earnings coverage of net charge-offs (x) | 8.9286% | 1,910 |
| Efficiency ratio | 66.0211% | 5,111 |
| Assets per employee ($millions) | 3.3604% | 5,400 |
| Cash dividends to net income (ytd only)* | 26.2700% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1459% | 1,861 |
| Loan loss allowance to noncurrent loans | 119.0426% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 4,445 |
| Noncurrent loans to loans | 1.8026% | 4,047 |
| Net loans and leases to total assets | 73.5874% | 2,061 |
| Net loans and leases to deposits | 90.7735% | 1,787 |
| Net loans and leases to core deposits | 97.8103% | 2,362 |
| Total domestic deposits to total assets | 81.0671% | 5,435 |
| Equity capital to assets | 7.3897% | 7,149 |
| Core capital (leverage) ratio | 7.0697% | 7,206 |
| Tier 1 risk-based capital ratio | 9.8863% | 7,102 |
| Total risk-based capital ratio | 11.1504% | 7,085 |
| Memoranda: | ||
| Average total assets | $282,410,500 | 2,374 |
| Average earning assets | $262,837,500 | 2,332 |
| Average equity | $20,284,500 | 3,171 |
| Average total loans | $211,622,500 | 2,163 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4864% | 4,218 |
| Cost of funding earning assets | 2.0336% | 2,803 |
| Net interest margin | 3.4528% | 5,160 |
| Noninterest income to average assets | 0.9226% | 1,859 |
| Noninterest expense to average assets | 3.0834% | 3,820 |
| Loan and lease loss provision to assets | 0.0004% | 7,426 |
| Net operating income to assets | 0.8603% | 2,309 |
| Return on assets (ROA) | 0.9007% | 2,244 |
| Pretax return on assets | 1.0906% | 2,282 |
| Return on Equity (ROE) | 12.9552% | 970 |
| Retained earnings to average equity (ytd only) | 9.1071% | 480 |
| Net charge-offs to loans | -0.4832% | 7,946 |
| Credit loss provision to net charge-offs | -0.1006% | 7,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7366% | 3,752 |
| Assets per employee ($millions) | 3.4036% | 5,247 |
| Cash dividends to net income (ytd only)* | 29.7030% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 1,818 |
| Loan loss allowance to noncurrent loans | 75.0418% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 2.0937% | 3,284 |
| Noncurrent loans to loans | 2.8038% | 2,756 |
| Net loans and leases to total assets | 73.1030% | 2,478 |
| Net loans and leases to deposits | 92.1068% | 1,880 |
| Net loans and leases to core deposits | 102.6174% | 3,734 |
| Total domestic deposits to total assets | 79.3676% | 5,885 |
| Equity capital to assets | 6.9806% | 7,378 |
| Core capital (leverage) ratio | 6.8204% | 7,358 |
| Tier 1 risk-based capital ratio | 9.7258% | 7,078 |
| Total risk-based capital ratio | 10.9892% | 7,051 |
| Memoranda: | ||
| Average total assets | $269,122,600 | 2,426 |
| Average earning assets | $249,655,200 | 2,407 |
| Average equity | $18,710,600 | 3,393 |
| Average total loans | $205,694,400 | 2,245 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 4,113 |
| Cost of funding earning assets | 2.1189% | 2,806 |
| Net interest margin | 3.4374% | 5,125 |
| Noninterest income to average assets | 0.9839% | 1,663 |
| Noninterest expense to average assets | 3.1414% | 3,494 |
| Loan and lease loss provision to assets | -0.0498% | 8,056 |
| Net operating income to assets | 0.8342% | 2,681 |
| Return on assets (ROA) | 0.8958% | 2,505 |
| Pretax return on assets | 1.1580% | 2,384 |
| Return on Equity (ROE) | 12.8991% | 1,131 |
| Retained earnings to average equity (ytd only) | 8.9932% | 839 |
| Net charge-offs to loans | -0.7257% | 8,031 |
| Credit loss provision to net charge-offs | 8.9270% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3410% | 3,629 |
| Assets per employee ($millions) | 3.3333% | 5,295 |
| Cash dividends to net income (ytd only)* | 30.2810% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1265% | 1,554 |
| Loan loss allowance to noncurrent loans | 78.0433% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.2747% | 3,012 |
| Noncurrent loans to loans | 2.7247% | 2,783 |
| Net loans and leases to total assets | 73.2146% | 2,732 |
| Net loans and leases to deposits | 92.6018% | 2,134 |
| Net loans and leases to core deposits | 102.3763% | 4,119 |
| Total domestic deposits to total assets | 79.0639% | 5,782 |
| Equity capital to assets | 6.9131% | 7,633 |
| Core capital (leverage) ratio | 6.9017% | 7,488 |
| Tier 1 risk-based capital ratio | 9.3648% | 7,453 |
| Total risk-based capital ratio | 10.6319% | 7,419 |
| Memoranda: | ||
| Average total assets | $264,927,000 | 2,479 |
| Average earning assets | $245,525,750 | 2,462 |
| Average equity | $18,398,750 | 3,466 |
| Average total loans | $203,743,750 | 2,285 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 4,061 |
| Cost of funding earning assets | 2.2095% | 2,751 |
| Net interest margin | 3.3935% | 5,199 |
| Noninterest income to average assets | 1.0232% | 1,517 |
| Noninterest expense to average assets | 3.2605% | 3,115 |
| Loan and lease loss provision to assets | -0.1159% | 8,167 |
| Net operating income to assets | 0.8010% | 2,852 |
| Return on assets (ROA) | 0.8316% | 2,824 |
| Pretax return on assets | 1.0580% | 2,784 |
| Return on Equity (ROE) | 11.9538% | 1,421 |
| Retained earnings to average equity (ytd only) | 7.9655% | 1,220 |
| Net charge-offs to loans | -1.1482% | 8,127 |
| Credit loss provision to net charge-offs | 12.9983% | 6,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3036% | 3,301 |
| Assets per employee ($millions) | 3.1757% | 5,639 |
| Cash dividends to net income (ytd only)* | 33.3643% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 1,348 |
| Loan loss allowance to noncurrent loans | 76.5737% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.3943% | 2,712 |
| Noncurrent loans to loans | 2.7808% | 2,586 |
| Net loans and leases to total assets | 75.7491% | 2,246 |
| Net loans and leases to deposits | 97.0967% | 1,651 |
| Net loans and leases to core deposits | 105.7788% | 3,861 |
| Total domestic deposits to total assets | 78.0141% | 6,074 |
| Equity capital to assets | 6.8287% | 7,697 |
| Core capital (leverage) ratio | 7.0812% | 7,475 |
| Tier 1 risk-based capital ratio | 9.1154% | 7,632 |
| Total risk-based capital ratio | 10.3786% | 7,634 |
| Memoranda: | ||
| Average total assets | $258,791,670 | 2,552 |
| Average earning assets | $239,513,330 | 2,527 |
| Average equity | $18,002,670 | 3,548 |
| Average total loans | $201,009,000 | 2,344 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6553% | 4,019 |
| Cost of funding earning assets | 2.3567% | 2,489 |
| Net interest margin | 3.2986% | 5,503 |
| Noninterest income to average assets | 1.0921% | 1,252 |
| Noninterest expense to average assets | 3.4590% | 2,205 |
| Loan and lease loss provision to assets | -0.1590% | 8,213 |
| Net operating income to assets | 0.6796% | 3,664 |
| Return on assets (ROA) | 0.7376% | 3,585 |
| Pretax return on assets | 0.9140% | 3,666 |
| Return on Equity (ROE) | 10.4983% | 2,126 |
| Retained earnings to average equity (ytd only) | 6.4257% | 2,450 |
| Net charge-offs to loans | -2.0386% | 8,178 |
| Credit loss provision to net charge-offs | 10.0200% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4996% | 2,355 |
| Assets per employee ($millions) | 2.9133% | 6,381 |
| Cash dividends to net income (ytd only)* | 38.7931% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2389% | 1,033 |
| Loan loss allowance to noncurrent loans | 78.3283% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 2.4608% | 2,329 |
| Noncurrent loans to loans | 2.8583% | 2,288 |
| Net loans and leases to total assets | 75.7176% | 2,342 |
| Net loans and leases to deposits | 99.3287% | 1,498 |
| Net loans and leases to core deposits | 107.6894% | 3,720 |
| Total domestic deposits to total assets | 76.2293% | 6,469 |
| Equity capital to assets | 7.0210% | 7,668 |
| Core capital (leverage) ratio | 7.2450% | 7,432 |
| Tier 1 risk-based capital ratio | 9.5394% | 7,395 |
| Total risk-based capital ratio | 10.8027% | 7,324 |
| Memoranda: | ||
| Average total assets | $251,631,500 | 2,626 |
| Average earning assets | $232,701,500 | 2,614 |
| Average equity | $17,679,000 | 3,606 |
| Average total loans | $195,823,000 | 2,414 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2735% | 4,102 |
| Cost of funding earning assets | 2.8682% | 2,402 |
| Net interest margin | 3.4053% | 5,642 |
| Noninterest income to average assets | 0.9158% | 1,905 |
| Noninterest expense to average assets | 2.9466% | 4,272 |
| Loan and lease loss provision to assets | 0.4819% | 2,892 |
| Net operating income to assets | 0.6422% | 4,134 |
| Return on assets (ROA) | 0.3537% | 5,144 |
| Pretax return on assets | 0.3286% | 5,447 |
| Return on Equity (ROE) | 5.0440% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.0200% | 4,616 |
| Net charge-offs to loans | -0.2069% | 8,168 |
| Credit loss provision to net charge-offs | -309.5960% | 7,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8359% | 3,785 |
| Assets per employee ($millions) | 2.9389% | 6,197 |
| Cash dividends to net income (ytd only)* | 79.7778% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 1,658 |
| Loan loss allowance to noncurrent loans | 90.4787% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.5472% | 3,129 |
| Noncurrent loans to loans | 1.9786% | 2,791 |
| Net loans and leases to total assets | 76.7966% | 2,430 |
| Net loans and leases to deposits | 102.2884% | 1,556 |
| Net loans and leases to core deposits | 112.3465% | 3,529 |
| Total domestic deposits to total assets | 75.0785% | 6,434 |
| Equity capital to assets | 7.0306% | 7,722 |
| Core capital (leverage) ratio | 6.9916% | 7,704 |
| Tier 1 risk-based capital ratio | 9.4734% | 7,340 |
| Total risk-based capital ratio | 10.7308% | 7,249 |
| Memoranda: | ||
| Average total assets | $254,425,800 | 2,518 |
| Average earning assets | $233,839,600 | 2,520 |
| Average equity | $17,843,000 | 3,578 |
| Average total loans | $191,357,800 | 2,377 |