Home > Woodsboro Bank > Performance and Condition Ratios
Woodsboro 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 | 4.2686% | 3,486 |
| Cost of funding earning assets | 0.6363% | 4,022 |
| Net interest margin | 3.6323% | 1,895 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.5980% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9158% | 2,498 |
| Return on assets (ROA) | 0.9047% | 2,509 |
| Pretax return on assets | 1.1932% | 2,158 |
| Return on Equity (ROE) | 20.3200% | 590 |
| Retained earnings to average equity (ytd only) | 19.7908% | 136 |
| Net charge-offs to loans | 0.0041% | 2,582 |
| Credit loss provision to net charge-offs | -227.2727% | 4,507 |
| Earnings coverage of net charge-offs (x) | 445.1818% | 319 |
| Efficiency ratio | 68.2693% | 2,083 |
| Assets per employee ($millions) | 6.7554% | 2,241 |
| Cash dividends to net income (ytd only)* | 2.6165% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,473 |
| Loan loss allowance to noncurrent loans | 9,597.0588% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,733 |
| Noncurrent loans to loans | 0.0121% | 3,666 |
| Net loans and leases to total assets | 67.1300% | 2,135 |
| Net loans and leases to deposits | 71.2906% | 2,801 |
| Net loans and leases to core deposits | 75.1382% | 3,022 |
| Total domestic deposits to total assets | 94.1700% | 98 |
| Equity capital to assets | 5.1647% | 4,386 |
| Core capital (leverage) ratio | 7.5741% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7941% | 2,310 |
| Memoranda: | ||
| Average total assets | $405,547,000 | 1,995 |
| Average earning assets | $382,345,800 | 1,973 |
| Average equity | $18,053,800 | 3,008 |
| Average total loans | $266,305,800 | 1,929 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 3,500 |
| Cost of funding earning assets | 0.5514% | 4,058 |
| Net interest margin | 3.6313% | 1,921 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.6355% | 1,840 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.8054% | 3,008 |
| Return on assets (ROA) | 0.7906% | 3,051 |
| Pretax return on assets | 1.0441% | 2,728 |
| Return on Equity (ROE) | 18.5200% | 875 |
| Retained earnings to average equity (ytd only) | 17.9588% | 342 |
| Net charge-offs to loans | 0.0051% | 2,282 |
| Credit loss provision to net charge-offs | 3,000.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 403 |
| Efficiency ratio | 69.4019% | 1,856 |
| Assets per employee ($millions) | 6.5612% | 2,280 |
| Cash dividends to net income (ytd only)* | 3.0063% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 1,717 |
| Loan loss allowance to noncurrent loans | 3,987.7778% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,599 |
| Noncurrent loans to loans | 0.0335% | 3,530 |
| Net loans and leases to total assets | 65.2200% | 2,321 |
| Net loans and leases to deposits | 68.3052% | 2,959 |
| Net loans and leases to core deposits | 71.8747% | 3,109 |
| Total domestic deposits to total assets | 95.4900% | 97 |
| Equity capital to assets | 3.8843% | 4,413 |
| Core capital (leverage) ratio | 7.4169% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5704% | 2,425 |
| Memoranda: | ||
| Average total assets | $403,913,250 | 2,003 |
| Average earning assets | $380,611,250 | 1,977 |
| Average equity | $17,246,500 | 3,062 |
| Average total loans | $262,905,000 | 1,946 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 3,536 |
| Cost of funding earning assets | 0.4508% | 4,082 |
| Net interest margin | 3.6240% | 1,979 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.6395% | 1,823 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.7857% | 3,121 |
| Return on assets (ROA) | 0.7634% | 3,193 |
| Pretax return on assets | 1.0061% | 2,894 |
| Return on Equity (ROE) | 17.3500% | 1,041 |
| Retained earnings to average equity (ytd only) | 16.8093% | 403 |
| Net charge-offs to loans | 0.0023% | 2,279 |
| Credit loss provision to net charge-offs | 7,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 769.6667% | 195 |
| Efficiency ratio | 69.7260% | 1,790 |
| Assets per employee ($millions) | 6.6029% | 2,209 |
| Cash dividends to net income (ytd only)* | 3.1209% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 1,819 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.1500% | 2,258 |
| Net loans and leases to deposits | 68.6837% | 2,884 |
| Net loans and leases to core deposits | 72.1792% | 3,005 |
| Total domestic deposits to total assets | 94.8600% | 104 |
| Equity capital to assets | 4.4811% | 4,445 |
| Core capital (leverage) ratio | 7.3204% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3778% | 2,514 |
| Memoranda: | ||
| Average total assets | $402,953,667 | 2,005 |
| Average earning assets | $379,746,000 | 1,981 |
| Average equity | $17,728,333 | 3,044 |
| Average total loans | $260,901,667 | 1,951 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,582 |
| Cost of funding earning assets | 0.3103% | 4,169 |
| Net interest margin | 3.6310% | 2,056 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.5873% | 1,992 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.7934% | 3,210 |
| Return on assets (ROA) | 0.7950% | 3,159 |
| Pretax return on assets | 1.0460% | 2,868 |
| Return on Equity (ROE) | 18.2400% | 997 |
| Retained earnings to average equity (ytd only) | 17.6913% | 540 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.4432% | 1,925 |
| Assets per employee ($millions) | 6.4543% | 2,369 |
| Cash dividends to net income (ytd only)* | 2.9963% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 1,965 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.6000% | 2,284 |
| Net loans and leases to deposits | 67.1333% | 2,840 |
| Net loans and leases to core deposits | 69.1521% | 3,011 |
| Total domestic deposits to total assets | 94.7400% | 113 |
| Equity capital to assets | 4.6014% | 4,477 |
| Core capital (leverage) ratio | 7.2828% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2224% | 2,657 |
| Memoranda: | ||
| Average total assets | $403,041,000 | 2,032 |
| Average earning assets | $380,276,500 | 1,996 |
| Average equity | $17,568,000 | 3,079 |
| Average total loans | $258,383,000 | 1,983 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4379% | 3,242 |
| Cost of funding earning assets | 0.1171% | 4,301 |
| Net interest margin | 3.3209% | 2,514 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.4796% | 2,185 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.7398% | 3,510 |
| Return on assets (ROA) | 0.7119% | 3,526 |
| Pretax return on assets | 0.9195% | 3,297 |
| Return on Equity (ROE) | 14.5700% | 1,374 |
| Retained earnings to average equity (ytd only) | 14.2447% | 360 |
| Net charge-offs to loans | 0.0030% | 2,379 |
| Credit loss provision to net charge-offs | 5,714.2857% | 123 |
| Earnings coverage of net charge-offs (x) | 605.8571% | 289 |
| Efficiency ratio | 70.1674% | 1,661 |
| Assets per employee ($millions) | 6.5486% | 2,297 |
| Cash dividends to net income (ytd only)* | 2.2346% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 1,923 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.9400% | 2,337 |
| Net loans and leases to deposits | 66.1010% | 2,887 |
| Net loans and leases to core deposits | 67.7536% | 3,030 |
| Total domestic deposits to total assets | 95.2100% | 127 |
| Equity capital to assets | 4.1120% | 4,505 |
| Core capital (leverage) ratio | 6.6764% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2714% | 2,657 |
| Memoranda: | ||
| Average total assets | $402,286,000 | 2,026 |
| Average earning assets | $379,299,400 | 1,989 |
| Average equity | $19,656,400 | 2,982 |
| Average total loans | $233,977,600 | 2,031 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 3,380 |
| Cost of funding earning assets | 0.1140% | 4,166 |
| Net interest margin | 3.1085% | 2,907 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.4576% | 2,137 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6657% | 3,656 |
| Return on assets (ROA) | 0.6657% | 3,616 |
| Pretax return on assets | 0.8668% | 3,432 |
| Return on Equity (ROE) | 13.1100% | 1,666 |
| Retained earnings to average equity (ytd only) | 12.7896% | 647 |
| Net charge-offs to loans | 0.0035% | 2,093 |
| Credit loss provision to net charge-offs | 833.3333% | 457 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 350 |
| Efficiency ratio | 73.5591% | 1,328 |
| Assets per employee ($millions) | 7.5871% | 1,558 |
| Cash dividends to net income (ytd only)* | 2.4354% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,424 |
| Loan loss allowance to noncurrent loans | 1,594.5946% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 2,385 |
| Noncurrent loans to loans | 0.0765% | 3,326 |
| Net loans and leases to total assets | 55.2400% | 2,980 |
| Net loans and leases to deposits | 57.5339% | 3,376 |
| Net loans and leases to core deposits | 58.9471% | 3,456 |
| Total domestic deposits to total assets | 96.0200% | 131 |
| Equity capital to assets | 3.3797% | 4,557 |
| Core capital (leverage) ratio | 6.7731% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1184% | 2,782 |
| Memoranda: | ||
| Average total assets | $402,991,500 | 2,032 |
| Average earning assets | $380,022,750 | 2,004 |
| Average equity | $20,464,000 | 2,952 |
| Average total loans | $228,793,750 | 2,058 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1002% | 3,304 |
| Cost of funding earning assets | 0.1235% | 3,921 |
| Net interest margin | 2.9767% | 2,950 |
| Noninterest income to average assets | 0.4197% | 2,633 |
| Noninterest expense to average assets | 2.4819% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5652% | 3,718 |
| Return on assets (ROA) | 0.5652% | 3,665 |
| Pretax return on assets | 0.7457% | 3,461 |
| Return on Equity (ROE) | 9.9137% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.6193% | 1,112 |
| Net charge-offs to loans | 0.0018% | 2,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 733.0000% | 191 |
| Efficiency ratio | 76.8952% | 1,187 |
| Assets per employee ($millions) | 6.7569% | 2,113 |
| Cash dividends to net income (ytd only)* | 2.9703% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 2,685 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.5478% | 2,802 |
| Net loans and leases to deposits | 58.5962% | 3,171 |
| Net loans and leases to core deposits | 60.2455% | 3,255 |
| Total domestic deposits to total assets | 94.7976% | 162 |
| Equity capital to assets | 4.5697% | 4,552 |
| Core capital (leverage) ratio | 6.7211% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4657% | 2,686 |
| Memoranda: | ||
| Average total assets | $393,167,000 | 2,079 |
| Average earning assets | $370,878,667 | 2,060 |
| Average equity | $22,413,333 | 2,858 |
| Average total loans | $224,437,667 | 2,083 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0167% | 3,204 |
| Cost of funding earning assets | 0.1323% | 3,737 |
| Net interest margin | 2.8844% | 2,894 |
| Noninterest income to average assets | 0.4248% | 2,529 |
| Noninterest expense to average assets | 2.4535% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5374% | 3,603 |
| Return on assets (ROA) | 0.5374% | 3,570 |
| Pretax return on assets | 0.6976% | 3,401 |
| Return on Equity (ROE) | 8.5396% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.2769% | 1,495 |
| Net charge-offs to loans | 0.0036% | 1,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 337.5000% | 290 |
| Efficiency ratio | 77.8616% | 1,325 |
| Assets per employee ($millions) | 6.4726% | 2,401 |
| Cash dividends to net income (ytd only)* | 3.0769% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 2,681 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.0583% | 2,519 |
| Net loans and leases to deposits | 59.7177% | 2,928 |
| Net loans and leases to core deposits | 61.4612% | 3,025 |
| Total domestic deposits to total assets | 93.8723% | 125 |
| Equity capital to assets | 5.5189% | 4,659 |
| Core capital (leverage) ratio | 6.9912% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8129% | 2,673 |
| Memoranda: | ||
| Average total assets | $387,045,000 | 2,108 |
| Average earning assets | $365,827,000 | 2,091 |
| Average equity | $24,357,000 | 2,814 |
| Average total loans | $222,606,000 | 2,090 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1987% | 3,474 |
| Cost of funding earning assets | 0.1648% | 3,819 |
| Net interest margin | 3.0338% | 3,095 |
| Noninterest income to average assets | 0.5722% | 2,269 |
| Noninterest expense to average assets | 2.5610% | 1,987 |
| Loan and lease loss provision to assets | 0.0531% | 1,995 |
| Net operating income to assets | 0.6409% | 3,771 |
| Return on assets (ROA) | 0.6409% | 3,826 |
| Pretax return on assets | 0.8326% | 3,659 |
| Return on Equity (ROE) | 8.7252% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.4779% | 1,354 |
| Net charge-offs to loans | -0.0114% | 3,785 |
| Credit loss provision to net charge-offs | -791.6667% | 3,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3029% | 1,271 |
| Assets per employee ($millions) | 6.5390% | 2,299 |
| Cash dividends to net income (ytd only)* | 2.8335% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,760 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.4980% | 2,427 |
| Net loans and leases to deposits | 62.3659% | 2,849 |
| Net loans and leases to core deposits | 64.3756% | 2,945 |
| Total domestic deposits to total assets | 92.1946% | 134 |
| Equity capital to assets | 7.0991% | 4,699 |
| Core capital (leverage) ratio | 6.9207% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9227% | 2,657 |
| Memoranda: | ||
| Average total assets | $357,906,600 | 2,159 |
| Average earning assets | $339,109,800 | 2,135 |
| Average equity | $26,291,800 | 2,762 |
| Average total loans | $210,451,400 | 2,171 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 3,665 |
| Cost of funding earning assets | 0.1705% | 3,916 |
| Net interest margin | 2.9980% | 3,307 |
| Noninterest income to average assets | 0.5703% | 2,335 |
| Noninterest expense to average assets | 2.5712% | 1,923 |
| Loan and lease loss provision to assets | 0.0094% | 2,804 |
| Net operating income to assets | 0.6274% | 3,958 |
| Return on assets (ROA) | 0.6274% | 4,009 |
| Pretax return on assets | 0.8286% | 3,838 |
| Return on Equity (ROE) | 8.4639% | 3,267 |
| Retained earnings to average equity (ytd only) | 8.2139% | 1,988 |
| Net charge-offs to loans | -0.0154% | 3,856 |
| Credit loss provision to net charge-offs | -104.1667% | 3,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4187% | 1,082 |
| Assets per employee ($millions) | 6.2162% | 2,484 |
| Cash dividends to net income (ytd only)* | 2.9536% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,754 |
| Loan loss allowance to noncurrent loans | 1,146.8619% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 2,605 |
| Noncurrent loans to loans | 0.1087% | 3,549 |
| Net loans and leases to total assets | 58.1975% | 2,464 |
| Net loans and leases to deposits | 63.1371% | 2,942 |
| Net loans and leases to core deposits | 65.0471% | 3,039 |
| Total domestic deposits to total assets | 92.1764% | 92 |
| Equity capital to assets | 7.1051% | 4,791 |
| Core capital (leverage) ratio | 7.1445% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9621% | 2,718 |
| Memoranda: | ||
| Average total assets | $352,567,750 | 2,201 |
| Average earning assets | $333,856,000 | 2,186 |
| Average equity | $26,133,750 | 2,807 |
| Average total loans | $207,820,750 | 2,215 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0971% | 3,877 |
| Cost of funding earning assets | 0.1776% | 3,974 |
| Net interest margin | 2.9195% | 3,532 |
| Noninterest income to average assets | 0.5501% | 2,408 |
| Noninterest expense to average assets | 2.5578% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5790% | 4,022 |
| Return on assets (ROA) | 0.5790% | 4,076 |
| Pretax return on assets | 0.7595% | 3,948 |
| Return on Equity (ROE) | 7.6965% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.4428% | 2,276 |
| Net charge-offs to loans | -0.0235% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1055% | 980 |
| Assets per employee ($millions) | 6.0169% | 2,594 |
| Cash dividends to net income (ytd only)* | 3.2967% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,519 |
| Loan loss allowance to noncurrent loans | 571.7895% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 2,406 |
| Noncurrent loans to loans | 0.2246% | 3,156 |
| Net loans and leases to total assets | 56.8888% | 2,795 |
| Net loans and leases to deposits | 61.8782% | 3,214 |
| Net loans and leases to core deposits | 63.8528% | 3,296 |
| Total domestic deposits to total assets | 91.9369% | 139 |
| Equity capital to assets | 7.2441% | 4,795 |
| Core capital (leverage) ratio | 7.2512% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3076% | 2,605 |
| Memoranda: | ||
| Average total assets | $345,766,000 | 2,224 |
| Average earning assets | $327,724,333 | 2,208 |
| Average equity | $26,011,667 | 2,810 |
| Average total loans | $203,827,000 | 2,255 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1616% | 3,756 |
| Cost of funding earning assets | 0.1864% | 4,031 |
| Net interest margin | 2.9752% | 3,323 |
| Noninterest income to average assets | 0.5645% | 2,352 |
| Noninterest expense to average assets | 2.6139% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5848% | 3,982 |
| Return on assets (ROA) | 0.5848% | 4,038 |
| Pretax return on assets | 0.7698% | 3,863 |
| Return on Equity (ROE) | 7.6195% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.3707% | 2,457 |
| Net charge-offs to loans | -0.0160% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2487% | 1,023 |
| Assets per employee ($millions) | 6.1168% | 2,478 |
| Cash dividends to net income (ytd only)* | 3.2653% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 2,316 |
| Loan loss allowance to noncurrent loans | 1,063.3858% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 2,868 |
| Noncurrent loans to loans | 0.1247% | 3,687 |
| Net loans and leases to total assets | 57.6397% | 2,840 |
| Net loans and leases to deposits | 62.7501% | 3,249 |
| Net loans and leases to core deposits | 64.7791% | 3,340 |
| Total domestic deposits to total assets | 91.8559% | 173 |
| Equity capital to assets | 7.3074% | 4,775 |
| Core capital (leverage) ratio | 7.5634% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6562% | 2,425 |
| Memoranda: | ||
| Average total assets | $335,135,000 | 2,259 |
| Average earning assets | $317,563,500 | 2,236 |
| Average equity | $25,723,500 | 2,818 |
| Average total loans | $199,983,500 | 2,286 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 3,865 |
| Cost of funding earning assets | 0.2802% | 4,245 |
| Net interest margin | 3.2932% | 3,083 |
| Noninterest income to average assets | 0.5822% | 2,293 |
| Noninterest expense to average assets | 2.9767% | 1,489 |
| Loan and lease loss provision to assets | 0.1723% | 2,236 |
| Net operating income to assets | 0.4021% | 4,240 |
| Return on assets (ROA) | 0.4598% | 4,199 |
| Pretax return on assets | 0.6091% | 4,061 |
| Return on Equity (ROE) | 5.3146% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.0556% | 2,252 |
| Net charge-offs to loans | -0.0191% | 4,413 |
| Credit loss provision to net charge-offs | -1,388.8889% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7782% | 831 |
| Assets per employee ($millions) | 5.6423% | 2,696 |
| Cash dividends to net income (ytd only)* | 4.8726% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,101 |
| Loan loss allowance to noncurrent loans | 862.8205% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 2,819 |
| Noncurrent loans to loans | 0.1589% | 3,643 |
| Net loans and leases to total assets | 60.1994% | 2,835 |
| Net loans and leases to deposits | 66.1661% | 3,255 |
| Net loans and leases to core deposits | 68.5088% | 3,374 |
| Total domestic deposits to total assets | 90.9823% | 234 |
| Equity capital to assets | 8.0747% | 4,673 |
| Core capital (leverage) ratio | 7.8271% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2868% | 2,521 |
| Memoranda: | ||
| Average total assets | $290,115,200 | 2,343 |
| Average earning assets | $273,354,600 | 2,328 |
| Average equity | $25,100,800 | 2,798 |
| Average total loans | $188,122,000 | 2,343 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5480% | 4,128 |
| Cost of funding earning assets | 0.3037% | 4,303 |
| Net interest margin | 3.2442% | 3,351 |
| Noninterest income to average assets | 0.5664% | 2,319 |
| Noninterest expense to average assets | 3.0224% | 1,397 |
| Loan and lease loss provision to assets | 0.2597% | 1,559 |
| Net operating income to assets | 0.2487% | 4,525 |
| Return on assets (ROA) | 0.3278% | 4,449 |
| Pretax return on assets | 0.4370% | 4,393 |
| Return on Equity (ROE) | 3.7185% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.4560% | 3,331 |
| Net charge-offs to loans | -0.0222% | 4,450 |
| Credit loss provision to net charge-offs | -1,774.1935% | 4,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5139% | 639 |
| Assets per employee ($millions) | 5.0772% | 3,150 |
| Cash dividends to net income (ytd only)* | 7.0605% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 2,037 |
| Loan loss allowance to noncurrent loans | 850.0000% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 2,889 |
| Noncurrent loans to loans | 0.1565% | 3,761 |
| Net loans and leases to total assets | 65.5632% | 2,572 |
| Net loans and leases to deposits | 71.6253% | 3,169 |
| Net loans and leases to core deposits | 74.2412% | 3,303 |
| Total domestic deposits to total assets | 91.5362% | 98 |
| Equity capital to assets | 8.1696% | 4,646 |
| Core capital (leverage) ratio | 7.9129% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9173% | 2,240 |
| Memoranda: | ||
| Average total assets | $282,241,250 | 2,364 |
| Average earning assets | $265,571,500 | 2,349 |
| Average equity | $24,883,750 | 2,800 |
| Average total loans | $186,077,500 | 2,367 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 4,201 |
| Cost of funding earning assets | 0.3213% | 4,392 |
| Net interest margin | 3.3149% | 3,345 |
| Noninterest income to average assets | 0.6752% | 1,832 |
| Noninterest expense to average assets | 3.1448% | 1,253 |
| Loan and lease loss provision to assets | 0.3296% | 1,295 |
| Net operating income to assets | 0.2596% | 4,490 |
| Return on assets (ROA) | 0.3823% | 4,328 |
| Pretax return on assets | 0.4922% | 4,263 |
| Return on Equity (ROE) | 4.2191% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.9605% | 2,929 |
| Net charge-offs to loans | -0.0189% | 4,389 |
| Credit loss provision to net charge-offs | -2,647.0588% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5135% | 728 |
| Assets per employee ($millions) | 5.1156% | 3,041 |
| Cash dividends to net income (ytd only)* | 6.1303% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,007 |
| Loan loss allowance to noncurrent loans | 566.5227% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 2,791 |
| Noncurrent loans to loans | 0.2293% | 3,554 |
| Net loans and leases to total assets | 67.1818% | 2,475 |
| Net loans and leases to deposits | 73.6631% | 3,108 |
| Net loans and leases to core deposits | 77.2597% | 3,173 |
| Total domestic deposits to total assets | 91.2014% | 115 |
| Equity capital to assets | 8.5033% | 4,476 |
| Core capital (leverage) ratio | 8.3724% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1015% | 2,137 |
| Memoranda: | ||
| Average total assets | $273,085,333 | 2,391 |
| Average earning assets | $258,346,667 | 2,369 |
| Average equity | $24,744,333 | 2,800 |
| Average total loans | $179,506,000 | 2,404 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 4,165 |
| Cost of funding earning assets | 0.3432% | 4,542 |
| Net interest margin | 3.4905% | 3,011 |
| Noninterest income to average assets | 0.6369% | 1,873 |
| Noninterest expense to average assets | 3.3788% | 1,101 |
| Loan and lease loss provision to assets | 0.1531% | 1,865 |
| Net operating income to assets | 0.2985% | 4,351 |
| Return on assets (ROA) | 0.2985% | 4,372 |
| Pretax return on assets | 0.3904% | 4,307 |
| Return on Equity (ROE) | 3.1835% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.9223% | 3,116 |
| Net charge-offs to loans | -0.0238% | 4,395 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1436% | 694 |
| Assets per employee ($millions) | 4.4050% | 3,404 |
| Cash dividends to net income (ytd only)* | 8.2051% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 1,938 |
| Loan loss allowance to noncurrent loans | 416.5441% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 2,624 |
| Noncurrent loans to loans | 0.3225% | 3,337 |
| Net loans and leases to total assets | 64.0411% | 3,065 |
| Net loans and leases to deposits | 71.1561% | 3,504 |
| Net loans and leases to core deposits | 75.1886% | 3,554 |
| Total domestic deposits to total assets | 90.0009% | 322 |
| Equity capital to assets | 9.6940% | 4,048 |
| Core capital (leverage) ratio | 9.1076% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8851% | 2,334 |
| Memoranda: | ||
| Average total assets | $261,274,500 | 2,427 |
| Average earning assets | $245,926,500 | 2,399 |
| Average equity | $24,501,500 | 2,810 |
| Average total loans | $168,281,000 | 2,466 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 4,353 |
| Cost of funding earning assets | 0.3478% | 4,600 |
| Net interest margin | 3.6016% | 3,129 |
| Noninterest income to average assets | 0.5673% | 2,387 |
| Noninterest expense to average assets | 3.3075% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4937% | 4,417 |
| Return on assets (ROA) | 0.5059% | 4,443 |
| Pretax return on assets | 0.6560% | 4,311 |
| Return on Equity (ROE) | 5.7442% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.4769% | 2,178 |
| Net charge-offs to loans | -0.0203% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7748% | 670 |
| Assets per employee ($millions) | 4.1691% | 3,671 |
| Cash dividends to net income (ytd only)* | 4.6529% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,005 |
| Loan loss allowance to noncurrent loans | 410.6667% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 2,605 |
| Noncurrent loans to loans | 0.3128% | 3,321 |
| Net loans and leases to total assets | 63.0869% | 3,307 |
| Net loans and leases to deposits | 69.6486% | 3,700 |
| Net loans and leases to core deposits | 74.2994% | 3,696 |
| Total domestic deposits to total assets | 90.5789% | 183 |
| Equity capital to assets | 9.0647% | 4,649 |
| Core capital (leverage) ratio | 8.8519% | 4,639 |
| Tier 1 risk-based capital ratio | 12.7293% | 3,929 |
| Total risk-based capital ratio | 13.9217% | 3,842 |
| Memoranda: | ||
| Average total assets | $259,136,200 | 2,401 |
| Average earning assets | $243,252,400 | 2,380 |
| Average equity | $22,823,000 | 2,882 |
| Average total loans | $157,903,000 | 2,535 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 4,430 |
| Cost of funding earning assets | 0.3438% | 4,679 |
| Net interest margin | 3.6187% | 3,201 |
| Noninterest income to average assets | 0.5385% | 2,520 |
| Noninterest expense to average assets | 3.2892% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4853% | 4,555 |
| Return on assets (ROA) | 0.5008% | 4,563 |
| Pretax return on assets | 0.6655% | 4,420 |
| Return on Equity (ROE) | 5.7285% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.4628% | 2,641 |
| Net charge-offs to loans | -0.0206% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5870% | 644 |
| Assets per employee ($millions) | 4.2675% | 3,525 |
| Cash dividends to net income (ytd only)* | 4.6393% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,649 |
| Loan loss allowance to noncurrent loans | 479.4643% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 2,364 |
| Noncurrent loans to loans | 0.2880% | 3,505 |
| Net loans and leases to total assets | 58.9393% | 3,774 |
| Net loans and leases to deposits | 65.1130% | 4,121 |
| Net loans and leases to core deposits | 69.2769% | 4,092 |
| Total domestic deposits to total assets | 90.5185% | 171 |
| Equity capital to assets | 9.1047% | 4,724 |
| Core capital (leverage) ratio | 8.7346% | 4,808 |
| Tier 1 risk-based capital ratio | 13.0177% | 3,839 |
| Total risk-based capital ratio | 14.2599% | 3,744 |
| Memoranda: | ||
| Average total assets | $258,256,500 | 2,426 |
| Average earning assets | $242,399,250 | 2,402 |
| Average equity | $22,576,500 | 2,931 |
| Average total loans | $155,414,500 | 2,593 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 4,422 |
| Cost of funding earning assets | 0.3372% | 4,722 |
| Net interest margin | 3.6395% | 3,137 |
| Noninterest income to average assets | 0.5202% | 2,564 |
| Noninterest expense to average assets | 3.3055% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4651% | 4,606 |
| Return on assets (ROA) | 0.4651% | 4,639 |
| Pretax return on assets | 0.6344% | 4,482 |
| Return on Equity (ROE) | 5.3960% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.1438% | 2,700 |
| Net charge-offs to loans | -0.0180% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8983% | 659 |
| Assets per employee ($millions) | 3.7467% | 4,188 |
| Cash dividends to net income (ytd only)* | 4.6745% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,763 |
| Loan loss allowance to noncurrent loans | 498.3683% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 2,374 |
| Noncurrent loans to loans | 0.2735% | 3,551 |
| Net loans and leases to total assets | 59.8470% | 3,747 |
| Net loans and leases to deposits | 65.9518% | 4,101 |
| Net loans and leases to core deposits | 69.9751% | 4,110 |
| Total domestic deposits to total assets | 90.7435% | 142 |
| Equity capital to assets | 8.9598% | 4,816 |
| Core capital (leverage) ratio | 8.5711% | 4,928 |
| Tier 1 risk-based capital ratio | 12.7914% | 3,953 |
| Total risk-based capital ratio | 14.0257% | 3,862 |
| Memoranda: | ||
| Average total assets | $257,569,670 | 2,435 |
| Average earning assets | $242,012,330 | 2,415 |
| Average equity | $22,201,670 | 2,955 |
| Average total loans | $155,360,330 | 2,600 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 4,511 |
| Cost of funding earning assets | 0.3333% | 4,733 |
| Net interest margin | 3.5903% | 3,283 |
| Noninterest income to average assets | 0.4823% | 2,668 |
| Noninterest expense to average assets | 3.2222% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4356% | 4,659 |
| Return on assets (ROA) | 0.4356% | 4,676 |
| Pretax return on assets | 0.6286% | 4,461 |
| Return on Equity (ROE) | 5.1563% | 4,278 |
| Retained earnings to average equity (ytd only) | 4.9353% | 2,932 |
| Net charge-offs to loans | -0.0155% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6768% | 734 |
| Assets per employee ($millions) | 4.0428% | 3,858 |
| Cash dividends to net income (ytd only)* | 4.2857% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 1,889 |
| Loan loss allowance to noncurrent loans | 376.9912% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 2,298 |
| Noncurrent loans to loans | 0.3568% | 3,301 |
| Net loans and leases to total assets | 59.4565% | 3,756 |
| Net loans and leases to deposits | 65.1305% | 4,115 |
| Net loans and leases to core deposits | 68.7859% | 4,144 |
| Total domestic deposits to total assets | 91.2882% | 122 |
| Equity capital to assets | 8.4290% | 5,026 |
| Core capital (leverage) ratio | 8.6922% | 4,876 |
| Tier 1 risk-based capital ratio | 12.5256% | 4,154 |
| Total risk-based capital ratio | 13.7462% | 4,041 |
| Memoranda: | ||
| Average total assets | $257,094,000 | 2,466 |
| Average earning assets | $241,203,000 | 2,439 |
| Average equity | $21,721,000 | 3,003 |
| Average total loans | $154,613,000 | 2,643 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 4,383 |
| Cost of funding earning assets | 0.2556% | 4,777 |
| Net interest margin | 3.5986% | 3,388 |
| Noninterest income to average assets | 0.5359% | 2,633 |
| Noninterest expense to average assets | 3.3090% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4655% | 4,737 |
| Return on assets (ROA) | 0.4681% | 4,728 |
| Pretax return on assets | 0.5925% | 4,645 |
| Return on Equity (ROE) | 5.6429% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.4058% | 2,533 |
| Net charge-offs to loans | -0.0199% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8831% | 590 |
| Assets per employee ($millions) | 3.9906% | 3,904 |
| Cash dividends to net income (ytd only)* | 4.2024% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,605 |
| Loan loss allowance to noncurrent loans | 1,160.6557% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 3,941 |
| Noncurrent loans to loans | 0.1213% | 4,185 |
| Net loans and leases to total assets | 59.1597% | 3,850 |
| Net loans and leases to deposits | 65.7116% | 4,139 |
| Net loans and leases to core deposits | 68.7684% | 4,191 |
| Total domestic deposits to total assets | 90.0293% | 467 |
| Equity capital to assets | 8.4692% | 4,949 |
| Core capital (leverage) ratio | 8.6215% | 4,943 |
| Tier 1 risk-based capital ratio | 12.6837% | 4,023 |
| Total risk-based capital ratio | 13.9314% | 3,916 |
| Memoranda: | ||
| Average total assets | $249,108,000 | 2,476 |
| Average earning assets | $232,759,600 | 2,466 |
| Average equity | $20,663,000 | 3,024 |
| Average total loans | $145,802,200 | 2,698 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 4,452 |
| Cost of funding earning assets | 0.2418% | 4,834 |
| Net interest margin | 3.5524% | 3,514 |
| Noninterest income to average assets | 0.5204% | 2,741 |
| Noninterest expense to average assets | 3.3020% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4801% | 4,801 |
| Return on assets (ROA) | 0.4801% | 4,806 |
| Pretax return on assets | 0.5359% | 4,847 |
| Return on Equity (ROE) | 5.8193% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.5788% | 2,904 |
| Net charge-offs to loans | -0.0221% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0358% | 512 |
| Assets per employee ($millions) | 3.9379% | 3,987 |
| Cash dividends to net income (ytd only)* | 4.1339% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 1,584 |
| Loan loss allowance to noncurrent loans | 1,103.6458% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,072 |
| Noncurrent loans to loans | 0.1298% | 4,303 |
| Net loans and leases to total assets | 57.8689% | 4,058 |
| Net loans and leases to deposits | 63.1228% | 4,382 |
| Net loans and leases to core deposits | 65.9096% | 4,412 |
| Total domestic deposits to total assets | 91.6766% | 113 |
| Equity capital to assets | 8.0175% | 5,170 |
| Core capital (leverage) ratio | 8.3821% | 5,152 |
| Tier 1 risk-based capital ratio | 12.6647% | 4,102 |
| Total risk-based capital ratio | 13.9152% | 4,002 |
| Memoranda: | ||
| Average total assets | $248,533,500 | 2,497 |
| Average earning assets | $232,101,000 | 2,486 |
| Average equity | $20,505,750 | 3,065 |
| Average total loans | $144,539,000 | 2,733 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 4,600 |
| Cost of funding earning assets | 0.2316% | 4,842 |
| Net interest margin | 3.4626% | 3,759 |
| Noninterest income to average assets | 0.4883% | 2,930 |
| Noninterest expense to average assets | 3.2445% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4067% | 4,946 |
| Return on assets (ROA) | 0.4067% | 4,951 |
| Pretax return on assets | 0.4714% | 4,953 |
| Return on Equity (ROE) | 4.8822% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.6492% | 3,261 |
| Net charge-offs to loans | -0.0167% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3151% | 505 |
| Assets per employee ($millions) | 3.7809% | 4,237 |
| Cash dividends to net income (ytd only)* | 4.7714% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,526 |
| Loan loss allowance to noncurrent loans | 278.3355% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 3,145 |
| Noncurrent loans to loans | 0.5241% | 2,850 |
| Net loans and leases to total assets | 56.1841% | 4,150 |
| Net loans and leases to deposits | 61.2592% | 4,466 |
| Net loans and leases to core deposits | 62.9229% | 4,561 |
| Total domestic deposits to total assets | 91.7153% | 118 |
| Equity capital to assets | 8.0451% | 5,208 |
| Core capital (leverage) ratio | 8.2389% | 5,243 |
| Tier 1 risk-based capital ratio | 12.9764% | 3,905 |
| Total risk-based capital ratio | 14.2278% | 3,826 |
| Memoranda: | ||
| Average total assets | $247,369,670 | 2,517 |
| Average earning assets | $230,579,330 | 2,509 |
| Average equity | $20,605,670 | 3,069 |
| Average total loans | $143,397,670 | 2,757 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6217% | 4,657 |
| Cost of funding earning assets | 0.2371% | 4,785 |
| Net interest margin | 3.3846% | 3,933 |
| Noninterest income to average assets | 0.4861% | 2,891 |
| Noninterest expense to average assets | 3.2096% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3748% | 4,976 |
| Return on assets (ROA) | 0.3748% | 4,981 |
| Pretax return on assets | 0.4305% | 4,986 |
| Return on Equity (ROE) | 4.4212% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.1895% | 3,514 |
| Net charge-offs to loans | -0.0196% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1745% | 527 |
| Assets per employee ($millions) | 3.9571% | 4,050 |
| Cash dividends to net income (ytd only)* | 5.2402% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,552 |
| Loan loss allowance to noncurrent loans | 271.2258% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 3,157 |
| Noncurrent loans to loans | 0.5445% | 2,895 |
| Net loans and leases to total assets | 57.1544% | 4,021 |
| Net loans and leases to deposits | 62.5382% | 4,298 |
| Net loans and leases to core deposits | 64.2095% | 4,412 |
| Total domestic deposits to total assets | 91.3911% | 209 |
| Equity capital to assets | 8.3370% | 5,085 |
| Core capital (leverage) ratio | 8.4557% | 5,170 |
| Tier 1 risk-based capital ratio | 13.1070% | 3,895 |
| Total risk-based capital ratio | 14.3594% | 3,802 |
| Memoranda: | ||
| Average total assets | $244,394,000 | 2,558 |
| Average earning assets | $227,738,500 | 2,555 |
| Average equity | $20,718,500 | 3,081 |
| Average total loans | $142,880,000 | 2,779 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 4,544 |
| Cost of funding earning assets | 0.3563% | 3,651 |
| Net interest margin | 3.2562% | 4,292 |
| Noninterest income to average assets | 0.5995% | 2,450 |
| Noninterest expense to average assets | 3.3592% | 1,268 |
| Loan and lease loss provision to assets | -0.0261% | 5,345 |
| Net operating income to assets | 0.1032% | 5,254 |
| Return on assets (ROA) | 0.1124% | 5,249 |
| Pretax return on assets | 0.3052% | 5,206 |
| Return on Equity (ROE) | 1.2652% | 5,195 |
| Retained earnings to average equity (ytd only) | 1.0330% | 4,619 |
| Net charge-offs to loans | -0.0176% | 4,923 |
| Credit loss provision to net charge-offs | 248.0000% | 1,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6928% | 333 |
| Assets per employee ($millions) | 3.8044% | 4,275 |
| Cash dividends to net income (ytd only)* | 18.3521% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,544 |
| Loan loss allowance to noncurrent loans | 339.5462% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,438 |
| Noncurrent loans to loans | 0.4302% | 3,249 |
| Net loans and leases to total assets | 58.0499% | 4,000 |
| Net loans and leases to deposits | 65.1921% | 4,241 |
| Net loans and leases to core deposits | 67.1224% | 4,355 |
| Total domestic deposits to total assets | 89.0444% | 982 |
| Equity capital to assets | 8.5682% | 5,069 |
| Core capital (leverage) ratio | 8.2741% | 5,303 |
| Tier 1 risk-based capital ratio | 13.0853% | 3,858 |
| Total risk-based capital ratio | 14.3382% | 3,763 |
| Memoranda: | ||
| Average total assets | $237,529,400 | 2,581 |
| Average earning assets | $220,628,400 | 2,575 |
| Average equity | $21,102,600 | 3,028 |
| Average total loans | $142,430,400 | 2,744 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 4,518 |
| Cost of funding earning assets | 0.3604% | 3,561 |
| Net interest margin | 3.2570% | 4,304 |
| Noninterest income to average assets | 0.5773% | 2,594 |
| Noninterest expense to average assets | 3.3027% | 1,342 |
| Loan and lease loss provision to assets | -0.0350% | 5,502 |
| Net operating income to assets | 0.2587% | 5,287 |
| Return on assets (ROA) | 0.2683% | 5,287 |
| Pretax return on assets | 0.3491% | 5,262 |
| Return on Equity (ROE) | 2.9926% | 5,116 |
| Retained earnings to average equity (ytd only) | 2.7595% | 4,254 |
| Net charge-offs to loans | -0.0178% | 4,814 |
| Credit loss provision to net charge-offs | 326.3158% | 924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6314% | 351 |
| Assets per employee ($millions) | 3.8224% | 4,276 |
| Cash dividends to net income (ytd only)* | 7.7891% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,551 |
| Loan loss allowance to noncurrent loans | 237.6564% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 1,902 |
| Noncurrent loans to loans | 0.6287% | 2,821 |
| Net loans and leases to total assets | 57.1898% | 4,138 |
| Net loans and leases to deposits | 65.9754% | 4,254 |
| Net loans and leases to core deposits | 67.9188% | 4,366 |
| Total domestic deposits to total assets | 86.6835% | 2,004 |
| Equity capital to assets | 8.8840% | 5,008 |
| Core capital (leverage) ratio | 8.6859% | 5,076 |
| Tier 1 risk-based capital ratio | 13.9948% | 3,441 |
| Total risk-based capital ratio | 15.2486% | 3,356 |
| Memoranda: | ||
| Average total assets | $236,041,250 | 2,619 |
| Average earning assets | $219,375,000 | 2,604 |
| Average equity | $21,162,750 | 3,044 |
| Average total loans | $142,179,000 | 2,770 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,400 |
| Cost of funding earning assets | 0.3570% | 3,507 |
| Net interest margin | 3.2810% | 4,167 |
| Noninterest income to average assets | 0.5818% | 2,550 |
| Noninterest expense to average assets | 3.3116% | 1,350 |
| Loan and lease loss provision to assets | -0.0102% | 5,548 |
| Net operating income to assets | 0.2602% | 5,305 |
| Return on assets (ROA) | 0.2602% | 5,324 |
| Pretax return on assets | 0.3301% | 5,299 |
| Return on Equity (ROE) | 2.8930% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.6558% | 4,114 |
| Net charge-offs to loans | -0.0140% | 4,644 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1910% | 390 |
| Assets per employee ($millions) | 3.7098% | 4,422 |
| Cash dividends to net income (ytd only)* | 8.1967% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,533 |
| Loan loss allowance to noncurrent loans | 276.9831% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 2,046 |
| Noncurrent loans to loans | 0.5467% | 3,104 |
| Net loans and leases to total assets | 58.3468% | 3,990 |
| Net loans and leases to deposits | 67.3311% | 4,123 |
| Net loans and leases to core deposits | 69.3404% | 4,266 |
| Total domestic deposits to total assets | 86.6565% | 2,108 |
| Equity capital to assets | 8.9501% | 4,947 |
| Core capital (leverage) ratio | 8.5636% | 5,173 |
| Tier 1 risk-based capital ratio | 14.0704% | 3,396 |
| Total risk-based capital ratio | 15.3245% | 3,312 |
| Memoranda: | ||
| Average total assets | $234,450,330 | 2,640 |
| Average earning assets | $217,920,330 | 2,628 |
| Average equity | $21,085,670 | 3,057 |
| Average total loans | $142,968,670 | 2,759 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 4,331 |
| Cost of funding earning assets | 0.3523% | 3,505 |
| Net interest margin | 3.2792% | 4,086 |
| Noninterest income to average assets | 0.5718% | 2,551 |
| Noninterest expense to average assets | 3.2400% | 1,500 |
| Loan and lease loss provision to assets | -0.0206% | 5,675 |
| Net operating income to assets | 0.3039% | 5,186 |
| Return on assets (ROA) | 0.3039% | 5,204 |
| Pretax return on assets | 0.4052% | 5,154 |
| Return on Equity (ROE) | 3.3709% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.1423% | 3,843 |
| Net charge-offs to loans | -0.0139% | 4,554 |
| Credit loss provision to net charge-offs | 240.0000% | 912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3889% | 585 |
| Assets per employee ($millions) | 3.8154% | 4,322 |
| Cash dividends to net income (ytd only)* | 6.7797% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,727 |
| Loan loss allowance to noncurrent loans | 288.3311% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 2,239 |
| Noncurrent loans to loans | 0.5168% | 3,266 |
| Net loans and leases to total assets | 59.3852% | 3,846 |
| Net loans and leases to deposits | 68.5697% | 3,935 |
| Net loans and leases to core deposits | 70.7844% | 4,088 |
| Total domestic deposits to total assets | 86.6056% | 2,399 |
| Equity capital to assets | 8.9189% | 4,890 |
| Core capital (leverage) ratio | 8.7284% | 5,023 |
| Tier 1 risk-based capital ratio | 13.8684% | 3,564 |
| Total risk-based capital ratio | 15.1226% | 3,474 |
| Memoranda: | ||
| Average total assets | $232,962,000 | 2,686 |
| Average earning assets | $216,885,000 | 2,670 |
| Average equity | $21,003,500 | 3,084 |
| Average total loans | $144,122,500 | 2,762 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5450% | 4,648 |
| Cost of funding earning assets | 0.3709% | 3,307 |
| Net interest margin | 3.1741% | 4,520 |
| Noninterest income to average assets | 0.5666% | 2,832 |
| Noninterest expense to average assets | 3.2393% | 1,703 |
| Loan and lease loss provision to assets | -0.0698% | 5,629 |
| Net operating income to assets | 0.2815% | 5,256 |
| Return on assets (ROA) | 0.2818% | 5,324 |
| Pretax return on assets | 0.3525% | 5,293 |
| Return on Equity (ROE) | 3.1654% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.9325% | 3,813 |
| Net charge-offs to loans | -0.0068% | 4,860 |
| Credit loss provision to net charge-offs | 1,650.0000% | 261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9851% | 458 |
| Assets per employee ($millions) | 3.6995% | 4,476 |
| Cash dividends to net income (ytd only)* | 7.3574% | 4,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,821 |
| Loan loss allowance to noncurrent loans | 120.5882% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 1,358 |
| Noncurrent loans to loans | 1.2139% | 1,693 |
| Net loans and leases to total assets | 62.5670% | 3,531 |
| Net loans and leases to deposits | 72.5150% | 3,658 |
| Net loans and leases to core deposits | 75.1633% | 3,825 |
| Total domestic deposits to total assets | 86.2816% | 2,467 |
| Equity capital to assets | 9.1158% | 4,689 |
| Core capital (leverage) ratio | 8.4682% | 5,292 |
| Tier 1 risk-based capital ratio | 13.4483% | 3,804 |
| Total risk-based capital ratio | 14.7035% | 3,696 |
| Memoranda: | ||
| Average total assets | $236,315,200 | 2,611 |
| Average earning assets | $219,997,400 | 2,601 |
| Average equity | $21,040,000 | 3,063 |
| Average total loans | $147,866,800 | 2,669 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 4,696 |
| Cost of funding earning assets | 0.3702% | 3,325 |
| Net interest margin | 3.1741% | 4,565 |
| Noninterest income to average assets | 0.5618% | 2,865 |
| Noninterest expense to average assets | 3.2088% | 1,755 |
| Loan and lease loss provision to assets | -0.0812% | 5,768 |
| Net operating income to assets | 0.3110% | 5,261 |
| Return on assets (ROA) | 0.3114% | 5,344 |
| Pretax return on assets | 0.3926% | 5,318 |
| Return on Equity (ROE) | 3.5179% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.2838% | 3,935 |
| Net charge-offs to loans | -0.0036% | 4,556 |
| Credit loss provision to net charge-offs | 3,625.0000% | 142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1680% | 502 |
| Assets per employee ($millions) | 3.7767% | 4,349 |
| Cash dividends to net income (ytd only)* | 6.6544% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,854 |
| Loan loss allowance to noncurrent loans | 119.8883% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2583% | 1,553 |
| Noncurrent loans to loans | 1.2317% | 1,823 |
| Net loans and leases to total assets | 60.1783% | 3,852 |
| Net loans and leases to deposits | 69.4950% | 4,026 |
| Net loans and leases to core deposits | 71.9247% | 4,166 |
| Total domestic deposits to total assets | 86.5937% | 2,090 |
| Equity capital to assets | 8.9832% | 5,194 |
| Core capital (leverage) ratio | 8.4334% | 5,413 |
| Tier 1 risk-based capital ratio | 13.3741% | 3,937 |
| Total risk-based capital ratio | 14.6294% | 3,844 |
| Memoranda: | ||
| Average total assets | $238,051,500 | 2,606 |
| Average earning assets | $221,834,500 | 2,587 |
| Average equity | $21,072,750 | 3,083 |
| Average total loans | $148,423,000 | 2,665 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 4,649 |
| Cost of funding earning assets | 0.3732% | 3,323 |
| Net interest margin | 3.2067% | 4,521 |
| Noninterest income to average assets | 0.5519% | 2,890 |
| Noninterest expense to average assets | 3.2299% | 1,743 |
| Loan and lease loss provision to assets | -0.0798% | 5,854 |
| Net operating income to assets | 0.3043% | 5,310 |
| Return on assets (ROA) | 0.3049% | 5,399 |
| Pretax return on assets | 0.3906% | 5,360 |
| Return on Equity (ROE) | 3.4617% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.2233% | 3,842 |
| Net charge-offs to loans | 0.0094% | 3,382 |
| Credit loss provision to net charge-offs | -1,357.1429% | 5,154 |
| Earnings coverage of net charge-offs (x) | 52.7143% | 966 |
| Efficiency ratio | 91.2435% | 532 |
| Assets per employee ($millions) | 3.7817% | 4,301 |
| Cash dividends to net income (ytd only)* | 6.8871% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,868 |
| Loan loss allowance to noncurrent loans | 121.7270% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 1,622 |
| Noncurrent loans to loans | 1.2309% | 1,866 |
| Net loans and leases to total assets | 60.2905% | 3,851 |
| Net loans and leases to deposits | 69.5869% | 4,023 |
| Net loans and leases to core deposits | 72.2073% | 4,154 |
| Total domestic deposits to total assets | 86.6405% | 2,090 |
| Equity capital to assets | 8.9591% | 5,270 |
| Core capital (leverage) ratio | 8.3118% | 5,527 |
| Tier 1 risk-based capital ratio | 13.2292% | 4,060 |
| Total risk-based capital ratio | 14.4849% | 3,972 |
| Memoranda: | ||
| Average total assets | $238,091,000 | 2,614 |
| Average earning assets | $221,845,330 | 2,593 |
| Average equity | $20,972,330 | 3,098 |
| Average total loans | $149,454,000 | 2,658 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 4,527 |
| Cost of funding earning assets | 0.3812% | 3,285 |
| Net interest margin | 3.2518% | 4,391 |
| Noninterest income to average assets | 0.5311% | 2,927 |
| Noninterest expense to average assets | 3.2284% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2659% | 5,393 |
| Return on assets (ROA) | 0.2672% | 5,459 |
| Pretax return on assets | 0.3294% | 5,451 |
| Return on Equity (ROE) | 3.0598% | 5,209 |
| Retained earnings to average equity (ytd only) | 2.8288% | 4,099 |
| Net charge-offs to loans | -0.0397% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7845% | 618 |
| Assets per employee ($millions) | 3.7028% | 4,465 |
| Cash dividends to net income (ytd only)* | 7.5472% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 1,903 |
| Loan loss allowance to noncurrent loans | 120.7765% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.3124% | 1,633 |
| Noncurrent loans to loans | 1.2580% | 1,924 |
| Net loans and leases to total assets | 62.9621% | 3,393 |
| Net loans and leases to deposits | 72.8134% | 3,569 |
| Net loans and leases to core deposits | 75.5700% | 3,721 |
| Total domestic deposits to total assets | 86.4705% | 2,462 |
| Equity capital to assets | 8.8822% | 5,275 |
| Core capital (leverage) ratio | 8.3003% | 5,569 |
| Tier 1 risk-based capital ratio | 12.6429% | 4,491 |
| Total risk-based capital ratio | 13.8989% | 4,398 |
| Memoranda: | ||
| Average total assets | $238,011,500 | 2,631 |
| Average earning assets | $221,418,500 | 2,609 |
| Average equity | $20,786,000 | 3,118 |
| Average total loans | $151,267,500 | 2,627 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 3,879 |
| Cost of funding earning assets | 0.4327% | 2,821 |
| Net interest margin | 3.4182% | 3,841 |
| Noninterest income to average assets | 0.6161% | 2,637 |
| Noninterest expense to average assets | 3.3712% | 1,543 |
| Loan and lease loss provision to assets | 0.0600% | 3,101 |
| Net operating income to assets | 0.2908% | 5,385 |
| Return on assets (ROA) | 0.2918% | 5,465 |
| Pretax return on assets | 0.3715% | 5,380 |
| Return on Equity (ROE) | 3.3341% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.0942% | 3,853 |
| Net charge-offs to loans | 0.2206% | 1,342 |
| Credit loss provision to net charge-offs | 41.7910% | 3,508 |
| Earnings coverage of net charge-offs (x) | 2.9970% | 3,796 |
| Efficiency ratio | 88.6835% | 781 |
| Assets per employee ($millions) | 3.6776% | 4,510 |
| Cash dividends to net income (ytd only)* | 7.1953% | 4,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,939 |
| Loan loss allowance to noncurrent loans | 221.8235% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 2,330 |
| Noncurrent loans to loans | 0.6827% | 3,156 |
| Net loans and leases to total assets | 62.2224% | 3,525 |
| Net loans and leases to deposits | 71.5026% | 3,768 |
| Net loans and leases to core deposits | 74.4555% | 3,895 |
| Total domestic deposits to total assets | 87.0212% | 2,120 |
| Equity capital to assets | 8.5854% | 5,492 |
| Core capital (leverage) ratio | 8.2429% | 5,649 |
| Tier 1 risk-based capital ratio | 12.5886% | 4,574 |
| Total risk-based capital ratio | 13.8458% | 4,466 |
| Memoranda: | ||
| Average total assets | $233,389,200 | 2,633 |
| Average earning assets | $217,481,800 | 2,609 |
| Average equity | $20,425,600 | 3,131 |
| Average total loans | $151,853,200 | 2,571 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 3,841 |
| Cost of funding earning assets | 0.4436% | 2,754 |
| Net interest margin | 3.4293% | 3,839 |
| Noninterest income to average assets | 0.6265% | 2,599 |
| Noninterest expense to average assets | 3.2853% | 1,724 |
| Loan and lease loss provision to assets | 0.0862% | 2,437 |
| Net operating income to assets | 0.3415% | 5,341 |
| Return on assets (ROA) | 0.3420% | 5,425 |
| Pretax return on assets | 0.4500% | 5,347 |
| Return on Equity (ROE) | 3.8885% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.6467% | 3,874 |
| Net charge-offs to loans | 0.3034% | 881 |
| Credit loss provision to net charge-offs | 43.3526% | 3,122 |
| Earnings coverage of net charge-offs (x) | 2.6937% | 3,620 |
| Efficiency ratio | 85.9807% | 1,004 |
| Assets per employee ($millions) | 3.5366% | 4,732 |
| Cash dividends to net income (ytd only)* | 6.2183% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 2,295 |
| Loan loss allowance to noncurrent loans | 232.3171% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 2,475 |
| Noncurrent loans to loans | 0.6315% | 3,426 |
| Net loans and leases to total assets | 66.7902% | 2,881 |
| Net loans and leases to deposits | 77.3255% | 3,163 |
| Net loans and leases to core deposits | 80.6683% | 3,375 |
| Total domestic deposits to total assets | 86.3754% | 2,346 |
| Equity capital to assets | 9.0287% | 5,282 |
| Core capital (leverage) ratio | 8.3929% | 5,633 |
| Tier 1 risk-based capital ratio | 12.1101% | 5,018 |
| Total risk-based capital ratio | 13.3663% | 4,923 |
| Memoranda: | ||
| Average total assets | $231,975,500 | 2,672 |
| Average earning assets | $216,094,000 | 2,638 |
| Average equity | $20,401,250 | 3,163 |
| Average total loans | $152,060,000 | 2,582 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8724% | 3,792 |
| Cost of funding earning assets | 0.4506% | 2,717 |
| Net interest margin | 3.4217% | 3,824 |
| Noninterest income to average assets | 0.6051% | 2,703 |
| Noninterest expense to average assets | 3.2165% | 1,935 |
| Loan and lease loss provision to assets | 0.0860% | 2,393 |
| Net operating income to assets | 0.3673% | 5,243 |
| Return on assets (ROA) | 0.3679% | 5,350 |
| Pretax return on assets | 0.4951% | 5,239 |
| Return on Equity (ROE) | 4.2202% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.9836% | 3,482 |
| Net charge-offs to loans | 0.1843% | 1,353 |
| Credit loss provision to net charge-offs | 71.9424% | 2,438 |
| Earnings coverage of net charge-offs (x) | 4.8561% | 2,988 |
| Efficiency ratio | 84.7181% | 1,187 |
| Assets per employee ($millions) | 3.6318% | 4,570 |
| Cash dividends to net income (ytd only)* | 5.6075% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,887 |
| Loan loss allowance to noncurrent loans | 203.0756% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0356% | 2,435 |
| Noncurrent loans to loans | 0.7909% | 3,131 |
| Net loans and leases to total assets | 64.3905% | 3,208 |
| Net loans and leases to deposits | 74.2634% | 3,461 |
| Net loans and leases to core deposits | 77.5271% | 3,625 |
| Total domestic deposits to total assets | 86.7055% | 2,317 |
| Equity capital to assets | 8.7775% | 5,458 |
| Core capital (leverage) ratio | 8.3392% | 5,684 |
| Tier 1 risk-based capital ratio | 12.1817% | 5,010 |
| Total risk-based capital ratio | 13.4395% | 4,908 |
| Memoranda: | ||
| Average total assets | $232,674,670 | 2,680 |
| Average earning assets | $217,025,330 | 2,646 |
| Average equity | $20,283,330 | 3,187 |
| Average total loans | $150,806,000 | 2,603 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,215 |
| Cost of funding earning assets | 0.4662% | 2,597 |
| Net interest margin | 3.2783% | 4,301 |
| Noninterest income to average assets | 0.5619% | 2,877 |
| Noninterest expense to average assets | 3.2303% | 1,905 |
| Loan and lease loss provision to assets | 0.0979% | 2,063 |
| Net operating income to assets | 0.2715% | 5,502 |
| Return on assets (ROA) | 0.2715% | 5,597 |
| Pretax return on assets | 0.2904% | 5,667 |
| Return on Equity (ROE) | 3.1250% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.8877% | 4,233 |
| Net charge-offs to loans | -0.0480% | 5,498 |
| Credit loss provision to net charge-offs | -316.6667% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2688% | 912 |
| Assets per employee ($millions) | 3.4758% | 4,937 |
| Cash dividends to net income (ytd only)* | 7.5949% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 1,761 |
| Loan loss allowance to noncurrent loans | 198.3708% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 2,484 |
| Noncurrent loans to loans | 0.8521% | 3,116 |
| Net loans and leases to total assets | 63.8639% | 3,108 |
| Net loans and leases to deposits | 73.6361% | 3,359 |
| Net loans and leases to core deposits | 76.8557% | 3,509 |
| Total domestic deposits to total assets | 86.7291% | 2,538 |
| Equity capital to assets | 8.7582% | 5,539 |
| Core capital (leverage) ratio | 8.4395% | 5,585 |
| Tier 1 risk-based capital ratio | 12.4350% | 4,954 |
| Total risk-based capital ratio | 13.6899% | 4,863 |
| Memoranda: | ||
| Average total assets | $232,794,500 | 2,698 |
| Average earning assets | $217,061,500 | 2,671 |
| Average equity | $20,224,000 | 3,217 |
| Average total loans | $150,154,500 | 2,621 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 4,629 |
| Cost of funding earning assets | 0.5333% | 2,349 |
| Net interest margin | 3.2234% | 4,848 |
| Noninterest income to average assets | 0.5632% | 3,103 |
| Noninterest expense to average assets | 3.1319% | 2,414 |
| Loan and lease loss provision to assets | 0.0724% | 3,034 |
| Net operating income to assets | 0.2782% | 5,576 |
| Return on assets (ROA) | 0.2782% | 5,644 |
| Pretax return on assets | 0.3536% | 5,597 |
| Return on Equity (ROE) | 3.3706% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.1177% | 4,017 |
| Net charge-offs to loans | 0.1637% | 2,396 |
| Credit loss provision to net charge-offs | 71.4286% | 3,034 |
| Earnings coverage of net charge-offs (x) | 4.2017% | 3,708 |
| Efficiency ratio | 88.0268% | 994 |
| Assets per employee ($millions) | 3.5802% | 4,758 |
| Cash dividends to net income (ytd only)* | 7.5038% | 4,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 1,877 |
| Loan loss allowance to noncurrent loans | 188.1729% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 2,588 |
| Noncurrent loans to loans | 0.8851% | 3,103 |
| Net loans and leases to total assets | 62.9730% | 3,366 |
| Net loans and leases to deposits | 72.4882% | 3,621 |
| Net loans and leases to core deposits | 75.6451% | 3,753 |
| Total domestic deposits to total assets | 86.8734% | 2,342 |
| Equity capital to assets | 8.6167% | 5,635 |
| Core capital (leverage) ratio | 8.3797% | 5,690 |
| Tier 1 risk-based capital ratio | 12.6189% | 4,964 |
| Total risk-based capital ratio | 13.8732% | 4,873 |
| Memoranda: | ||
| Average total assets | $234,746,600 | 2,658 |
| Average earning assets | $218,095,200 | 2,641 |
| Average equity | $19,373,400 | 3,236 |
| Average total loans | $145,418,800 | 2,637 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,744 |
| Cost of funding earning assets | 0.5396% | 2,377 |
| Net interest margin | 3.1987% | 4,973 |
| Noninterest income to average assets | 0.5333% | 3,303 |
| Noninterest expense to average assets | 3.1267% | 2,392 |
| Loan and lease loss provision to assets | 0.0924% | 2,508 |
| Net operating income to assets | 0.2409% | 5,750 |
| Return on assets (ROA) | 0.2409% | 5,811 |
| Pretax return on assets | 0.2805% | 5,805 |
| Return on Equity (ROE) | 2.9507% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.6938% | 4,670 |
| Net charge-offs to loans | 0.1744% | 2,056 |
| Credit loss provision to net charge-offs | 86.2434% | 2,492 |
| Earnings coverage of net charge-offs (x) | 3.4815% | 3,653 |
| Efficiency ratio | 89.3441% | 889 |
| Assets per employee ($millions) | 3.5365% | 4,792 |
| Cash dividends to net income (ytd only)* | 8.7056% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 1,885 |
| Loan loss allowance to noncurrent loans | 181.1917% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0964% | 2,759 |
| Noncurrent loans to loans | 0.9551% | 3,173 |
| Net loans and leases to total assets | 61.4061% | 3,570 |
| Net loans and leases to deposits | 70.5240% | 3,858 |
| Net loans and leases to core deposits | 73.7132% | 3,972 |
| Total domestic deposits to total assets | 87.0712% | 2,278 |
| Equity capital to assets | 8.3930% | 5,879 |
| Core capital (leverage) ratio | 8.2206% | 5,910 |
| Tier 1 risk-based capital ratio | 12.6063% | 5,108 |
| Total risk-based capital ratio | 13.8616% | 5,025 |
| Memoranda: | ||
| Average total assets | $235,255,500 | 2,669 |
| Average earning assets | $218,167,000 | 2,652 |
| Average equity | $19,203,750 | 3,269 |
| Average total loans | $144,516,750 | 2,659 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,845 |
| Cost of funding earning assets | 0.5434% | 2,403 |
| Net interest margin | 3.1624% | 5,060 |
| Noninterest income to average assets | 0.5054% | 3,445 |
| Noninterest expense to average assets | 3.1076% | 2,464 |
| Loan and lease loss provision to assets | 0.1238% | 1,993 |
| Net operating income to assets | 0.1908% | 5,862 |
| Return on assets (ROA) | 0.1908% | 5,912 |
| Pretax return on assets | 0.2052% | 5,938 |
| Return on Equity (ROE) | 2.3591% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.0970% | 4,850 |
| Net charge-offs to loans | 0.2707% | 1,465 |
| Credit loss provision to net charge-offs | 74.8718% | 2,389 |
| Earnings coverage of net charge-offs (x) | 1.9897% | 3,673 |
| Efficiency ratio | 90.4268% | 884 |
| Assets per employee ($millions) | 3.7050% | 4,449 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 2,097 |
| Loan loss allowance to noncurrent loans | 174.2857% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 2,874 |
| Noncurrent loans to loans | 0.9821% | 3,272 |
| Net loans and leases to total assets | 60.5693% | 3,624 |
| Net loans and leases to deposits | 69.4605% | 3,887 |
| Net loans and leases to core deposits | 72.3537% | 4,011 |
| Total domestic deposits to total assets | 87.1996% | 2,349 |
| Equity capital to assets | 8.2284% | 6,006 |
| Core capital (leverage) ratio | 8.0726% | 6,042 |
| Tier 1 risk-based capital ratio | 12.6683% | 5,107 |
| Total risk-based capital ratio | 13.9236% | 5,045 |
| Memoranda: | ||
| Average total assets | $235,870,670 | 2,675 |
| Average earning assets | $218,630,330 | 2,653 |
| Average equity | $19,075,000 | 3,276 |
| Average total loans | $144,071,670 | 2,669 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 4,951 |
| Cost of funding earning assets | 0.5489% | 2,429 |
| Net interest margin | 3.1188% | 5,180 |
| Noninterest income to average assets | 0.4642% | 3,677 |
| Noninterest expense to average assets | 3.1048% | 2,515 |
| Loan and lease loss provision to assets | 0.1547% | 1,565 |
| Net operating income to assets | 0.1190% | 5,986 |
| Return on assets (ROA) | 0.1190% | 6,019 |
| Pretax return on assets | 0.0935% | 6,090 |
| Return on Equity (ROE) | 1.4849% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.2303% | 5,118 |
| Net charge-offs to loans | 0.3132% | 1,132 |
| Credit loss provision to net charge-offs | 81.2500% | 1,888 |
| Earnings coverage of net charge-offs (x) | 1.3036% | 3,124 |
| Efficiency ratio | 92.5963% | 837 |
| Assets per employee ($millions) | 3.6237% | 4,672 |
| Cash dividends to net income (ytd only)* | 17.1429% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 2,173 |
| Loan loss allowance to noncurrent loans | 146.8641% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4643% | 2,422 |
| Noncurrent loans to loans | 1.1952% | 3,049 |
| Net loans and leases to total assets | 60.0926% | 3,550 |
| Net loans and leases to deposits | 68.8042% | 3,762 |
| Net loans and leases to core deposits | 71.6885% | 3,901 |
| Total domestic deposits to total assets | 87.3386% | 2,609 |
| Equity capital to assets | 8.0733% | 6,000 |
| Core capital (leverage) ratio | 8.1483% | 5,993 |
| Tier 1 risk-based capital ratio | 12.7305% | 5,174 |
| Total risk-based capital ratio | 13.9860% | 5,105 |
| Memoranda: | ||
| Average total assets | $235,247,500 | 2,690 |
| Average earning assets | $217,905,500 | 2,669 |
| Average equity | $18,857,000 | 3,301 |
| Average total loans | $143,047,000 | 2,693 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 4,973 |
| Cost of funding earning assets | 0.5941% | 2,720 |
| Net interest margin | 3.1562% | 5,140 |
| Noninterest income to average assets | 0.5440% | 3,443 |
| Noninterest expense to average assets | 3.1508% | 2,587 |
| Loan and lease loss provision to assets | 0.1156% | 2,879 |
| Net operating income to assets | 0.1886% | 5,858 |
| Return on assets (ROA) | 0.2359% | 5,796 |
| Pretax return on assets | 0.2496% | 5,849 |
| Return on Equity (ROE) | 2.8916% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.6335% | 4,374 |
| Net charge-offs to loans | 0.1399% | 3,410 |
| Credit loss provision to net charge-offs | 137.2449% | 1,706 |
| Earnings coverage of net charge-offs (x) | 3.7398% | 3,760 |
| Efficiency ratio | 90.9125% | 959 |
| Assets per employee ($millions) | 3.7294% | 4,417 |
| Cash dividends to net income (ytd only)* | 8.9253% | 4,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 2,076 |
| Loan loss allowance to noncurrent loans | 131.9193% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.4765% | 2,521 |
| Noncurrent loans to loans | 1.3611% | 2,864 |
| Net loans and leases to total assets | 59.3615% | 3,816 |
| Net loans and leases to deposits | 67.8209% | 4,081 |
| Net loans and leases to core deposits | 70.6558% | 4,227 |
| Total domestic deposits to total assets | 87.5268% | 2,461 |
| Equity capital to assets | 7.9582% | 6,052 |
| Core capital (leverage) ratio | 7.9570% | 6,170 |
| Tier 1 risk-based capital ratio | 12.7263% | 5,156 |
| Total risk-based capital ratio | 13.9820% | 5,098 |
| Memoranda: | ||
| Average total assets | $232,734,000 | 2,694 |
| Average earning assets | $215,446,000 | 2,667 |
| Average equity | $18,986,200 | 3,281 |
| Average total loans | $140,105,200 | 2,698 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 5,047 |
| Cost of funding earning assets | 0.6009% | 2,802 |
| Net interest margin | 3.1450% | 5,164 |
| Noninterest income to average assets | 0.5587% | 3,398 |
| Noninterest expense to average assets | 3.1435% | 2,520 |
| Loan and lease loss provision to assets | 0.1154% | 2,844 |
| Net operating income to assets | 0.1922% | 5,933 |
| Return on assets (ROA) | 0.2527% | 5,869 |
| Pretax return on assets | 0.2797% | 5,914 |
| Return on Equity (ROE) | 3.0782% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.8194% | 4,631 |
| Net charge-offs to loans | 0.1862% | 2,733 |
| Credit loss provision to net charge-offs | 103.0769% | 2,276 |
| Earnings coverage of net charge-offs (x) | 2.9282% | 3,859 |
| Efficiency ratio | 90.5542% | 950 |
| Assets per employee ($millions) | 3.4796% | 4,885 |
| Cash dividends to net income (ytd only)* | 8.4088% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 2,550 |
| Loan loss allowance to noncurrent loans | 110.4046% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.4737% | 2,730 |
| Noncurrent loans to loans | 1.5605% | 2,823 |
| Net loans and leases to total assets | 59.8619% | 3,717 |
| Net loans and leases to deposits | 68.4368% | 4,011 |
| Net loans and leases to core deposits | 71.3596% | 4,170 |
| Total domestic deposits to total assets | 87.4703% | 2,432 |
| Equity capital to assets | 7.9603% | 6,174 |
| Core capital (leverage) ratio | 8.0717% | 6,176 |
| Tier 1 risk-based capital ratio | 12.5530% | 5,426 |
| Total risk-based capital ratio | 13.8085% | 5,369 |
| Memoranda: | ||
| Average total assets | $232,179,500 | 2,711 |
| Average earning assets | $215,023,500 | 2,684 |
| Average equity | $19,058,250 | 3,307 |
| Average total loans | $139,626,250 | 2,718 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7378% | 5,028 |
| Cost of funding earning assets | 0.6122% | 2,821 |
| Net interest margin | 3.1256% | 5,203 |
| Noninterest income to average assets | 0.5904% | 3,249 |
| Noninterest expense to average assets | 3.1599% | 2,481 |
| Loan and lease loss provision to assets | 0.1136% | 2,917 |
| Net operating income to assets | 0.1866% | 5,941 |
| Return on assets (ROA) | 0.2748% | 5,830 |
| Pretax return on assets | 0.3173% | 5,827 |
| Return on Equity (ROE) | 3.3137% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.0628% | 4,370 |
| Net charge-offs to loans | 0.2968% | 1,999 |
| Credit loss provision to net charge-offs | 63.9024% | 2,948 |
| Earnings coverage of net charge-offs (x) | 1.8537% | 3,912 |
| Efficiency ratio | 90.5590% | 1,022 |
| Assets per employee ($millions) | 3.5090% | 4,830 |
| Cash dividends to net income (ytd only)* | 7.5710% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 2,680 |
| Loan loss allowance to noncurrent loans | 106.8000% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5734% | 2,750 |
| Noncurrent loans to loans | 1.6174% | 2,885 |
| Net loans and leases to total assets | 58.1503% | 3,963 |
| Net loans and leases to deposits | 66.4421% | 4,209 |
| Net loans and leases to core deposits | 69.5155% | 4,322 |
| Total domestic deposits to total assets | 87.5203% | 2,527 |
| Equity capital to assets | 7.9740% | 6,216 |
| Core capital (leverage) ratio | 8.1021% | 6,106 |
| Tier 1 risk-based capital ratio | 12.8571% | 5,252 |
| Total risk-based capital ratio | 14.1120% | 5,178 |
| Memoranda: | ||
| Average total assets | $230,701,670 | 2,734 |
| Average earning assets | $213,973,670 | 2,700 |
| Average equity | $19,132,670 | 3,313 |
| Average total loans | $138,127,000 | 2,744 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,975 |
| Cost of funding earning assets | 0.6338% | 2,806 |
| Net interest margin | 3.1216% | 5,186 |
| Noninterest income to average assets | 0.5252% | 3,605 |
| Noninterest expense to average assets | 3.1247% | 2,601 |
| Loan and lease loss provision to assets | 0.1400% | 2,493 |
| Net operating income to assets | 0.1103% | 6,125 |
| Return on assets (ROA) | 0.1103% | 6,222 |
| Pretax return on assets | 0.1488% | 6,175 |
| Return on Equity (ROE) | 1.3040% | 6,144 |
| Retained earnings to average equity (ytd only) | 1.0556% | 5,431 |
| Net charge-offs to loans | 0.4824% | 1,239 |
| Credit loss provision to net charge-offs | 48.1928% | 2,627 |
| Earnings coverage of net charge-offs (x) | 0.9940% | 3,506 |
| Efficiency ratio | 91.5385% | 1,024 |
| Assets per employee ($millions) | 3.4725% | 5,034 |
| Cash dividends to net income (ytd only)* | 19.0476% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 2,846 |
| Loan loss allowance to noncurrent loans | 75.0942% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 2,281 |
| Noncurrent loans to loans | 2.3142% | 2,263 |
| Net loans and leases to total assets | 58.9892% | 3,610 |
| Net loans and leases to deposits | 67.8074% | 3,792 |
| Net loans and leases to core deposits | 71.2302% | 3,929 |
| Total domestic deposits to total assets | 86.9953% | 2,963 |
| Equity capital to assets | 8.4176% | 6,083 |
| Core capital (leverage) ratio | 8.2426% | 5,888 |
| Tier 1 risk-based capital ratio | 12.9464% | 5,265 |
| Total risk-based capital ratio | 14.2021% | 5,208 |
| Memoranda: | ||
| Average total assets | $228,502,000 | 2,794 |
| Average earning assets | $211,432,500 | 2,756 |
| Average equity | $19,325,500 | 3,334 |
| Average total loans | $137,633,000 | 2,766 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 5,269 |
| Cost of funding earning assets | 0.8070% | 2,614 |
| Net interest margin | 3.2029% | 5,562 |
| Noninterest income to average assets | 0.5833% | 3,373 |
| Noninterest expense to average assets | 3.2348% | 2,504 |
| Loan and lease loss provision to assets | 0.1981% | 3,155 |
| Net operating income to assets | 0.1879% | 5,814 |
| Return on assets (ROA) | 0.1897% | 5,980 |
| Pretax return on assets | 0.1235% | 6,116 |
| Return on Equity (ROE) | 2.2513% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.9948% | 4,820 |
| Net charge-offs to loans | 0.8520% | 1,349 |
| Credit loss provision to net charge-offs | 38.4089% | 4,963 |
| Earnings coverage of net charge-offs (x) | 0.6202% | 5,175 |
| Efficiency ratio | 91.0016% | 990 |
| Assets per employee ($millions) | 3.5049% | 4,993 |
| Cash dividends to net income (ytd only)* | 11.3953% | 4,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 2,585 |
| Loan loss allowance to noncurrent loans | 55.2778% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 2.5020% | 1,949 |
| Noncurrent loans to loans | 3.2546% | 1,579 |
| Net loans and leases to total assets | 59.3469% | 3,711 |
| Net loans and leases to deposits | 68.3724% | 3,927 |
| Net loans and leases to core deposits | 71.5500% | 4,098 |
| Total domestic deposits to total assets | 86.7996% | 2,934 |
| Equity capital to assets | 8.4976% | 6,059 |
| Core capital (leverage) ratio | 8.0837% | 6,109 |
| Tier 1 risk-based capital ratio | 13.0431% | 5,078 |
| Total risk-based capital ratio | 14.2996% | 5,015 |
| Memoranda: | ||
| Average total assets | $226,659,400 | 2,768 |
| Average earning assets | $210,281,000 | 2,732 |
| Average equity | $19,100,000 | 3,319 |
| Average total loans | $137,206,000 | 2,753 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 5,434 |
| Cost of funding earning assets | 0.8282% | 2,720 |
| Net interest margin | 3.2011% | 5,701 |
| Noninterest income to average assets | 0.5849% | 3,383 |
| Noninterest expense to average assets | 3.2135% | 2,521 |
| Loan and lease loss provision to assets | 0.1961% | 3,128 |
| Net operating income to assets | 0.1040% | 6,122 |
| Return on assets (ROA) | 0.1060% | 6,261 |
| Pretax return on assets | 0.1514% | 6,204 |
| Return on Equity (ROE) | 1.2608% | 6,201 |
| Retained earnings to average equity (ytd only) | 1.0016% | 5,771 |
| Net charge-offs to loans | 0.3472% | 2,713 |
| Credit loss provision to net charge-offs | 93.2773% | 3,201 |
| Earnings coverage of net charge-offs (x) | 1.6386% | 4,462 |
| Efficiency ratio | 90.3162% | 1,017 |
| Assets per employee ($millions) | 3.4711% | 5,033 |
| Cash dividends to net income (ytd only)* | 20.5550% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 1,547 |
| Loan loss allowance to noncurrent loans | 47.9740% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 3.0533% | 1,703 |
| Noncurrent loans to loans | 4.7643% | 976 |
| Net loans and leases to total assets | 59.2112% | 3,929 |
| Net loans and leases to deposits | 69.8305% | 3,914 |
| Net loans and leases to core deposits | 73.4009% | 4,065 |
| Total domestic deposits to total assets | 84.7928% | 3,839 |
| Equity capital to assets | 8.3839% | 6,365 |
| Core capital (leverage) ratio | 7.9500% | 6,363 |
| Tier 1 risk-based capital ratio | 12.8654% | 5,359 |
| Total risk-based capital ratio | 14.1282% | 5,312 |
| Memoranda: | ||
| Average total assets | $226,369,750 | 2,789 |
| Average earning assets | $210,259,000 | 2,761 |
| Average equity | $19,035,250 | 3,355 |
| Average total loans | $137,087,500 | 2,790 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 5,258 |
| Cost of funding earning assets | 0.8480% | 2,811 |
| Net interest margin | 3.2687% | 5,536 |
| Noninterest income to average assets | 0.5899% | 3,318 |
| Noninterest expense to average assets | 3.2245% | 2,510 |
| Loan and lease loss provision to assets | 0.2262% | 2,814 |
| Net operating income to assets | 0.1289% | 6,094 |
| Return on assets (ROA) | 0.1322% | 6,251 |
| Pretax return on assets | 0.1801% | 6,174 |
| Return on Equity (ROE) | 1.5702% | 6,175 |
| Retained earnings to average equity (ytd only) | 1.3068% | 5,538 |
| Net charge-offs to loans | 0.3121% | 2,780 |
| Credit loss provision to net charge-offs | 119.7183% | 2,299 |
| Earnings coverage of net charge-offs (x) | 2.1268% | 3,924 |
| Efficiency ratio | 88.9188% | 1,157 |
| Assets per employee ($millions) | 3.4215% | 5,164 |
| Cash dividends to net income (ytd only)* | 16.7785% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3762% | 1,451 |
| Loan loss allowance to noncurrent loans | 45.3451% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 3.2085% | 1,699 |
| Noncurrent loans to loans | 5.2403% | 914 |
| Net loans and leases to total assets | 57.1950% | 4,297 |
| Net loans and leases to deposits | 67.2225% | 4,328 |
| Net loans and leases to core deposits | 71.0276% | 4,410 |
| Total domestic deposits to total assets | 85.0831% | 3,819 |
| Equity capital to assets | 8.1934% | 6,457 |
| Core capital (leverage) ratio | 8.0061% | 6,269 |
| Tier 1 risk-based capital ratio | 13.0217% | 5,173 |
| Total risk-based capital ratio | 14.2853% | 5,138 |
| Memoranda: | ||
| Average total assets | $225,461,330 | 2,813 |
| Average earning assets | $209,439,670 | 2,769 |
| Average equity | $18,978,000 | 3,357 |
| Average total loans | $136,509,000 | 2,805 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 4,474 |
| Cost of funding earning assets | 0.8890% | 2,771 |
| Net interest margin | 3.4722% | 4,822 |
| Noninterest income to average assets | 0.5841% | 3,330 |
| Noninterest expense to average assets | 3.2669% | 2,393 |
| Loan and lease loss provision to assets | 0.3011% | 2,082 |
| Net operating income to assets | 0.1659% | 6,075 |
| Return on assets (ROA) | 0.1659% | 6,213 |
| Pretax return on assets | 0.2344% | 6,123 |
| Return on Equity (ROE) | 1.9434% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.6688% | 5,399 |
| Net charge-offs to loans | 0.4656% | 1,924 |
| Credit loss provision to net charge-offs | 105.0314% | 2,204 |
| Earnings coverage of net charge-offs (x) | 1.8679% | 3,405 |
| Efficiency ratio | 85.9175% | 1,494 |
| Assets per employee ($millions) | 3.3645% | 5,425 |
| Cash dividends to net income (ytd only)* | 14.1304% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4096% | 1,490 |
| Loan loss allowance to noncurrent loans | 39.6021% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 3.7588% | 1,491 |
| Noncurrent loans to loans | 6.0846% | 825 |
| Net loans and leases to total assets | 57.5832% | 4,114 |
| Net loans and leases to deposits | 68.0282% | 4,053 |
| Net loans and leases to core deposits | 72.2309% | 4,116 |
| Total domestic deposits to total assets | 84.6460% | 4,187 |
| Equity capital to assets | 8.4212% | 6,155 |
| Core capital (leverage) ratio | 8.2281% | 5,984 |
| Tier 1 risk-based capital ratio | 13.5048% | 4,824 |
| Total risk-based capital ratio | 14.7692% | 4,801 |
| Memoranda: | ||
| Average total assets | $221,861,000 | 2,865 |
| Average earning assets | $205,631,000 | 2,826 |
| Average equity | $18,935,500 | 3,357 |
| Average total loans | $136,608,500 | 2,831 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 4,521 |
| Cost of funding earning assets | 1.0195% | 3,242 |
| Net interest margin | 3.6163% | 4,668 |
| Noninterest income to average assets | 0.5838% | 3,264 |
| Noninterest expense to average assets | 3.3856% | 2,280 |
| Loan and lease loss provision to assets | 0.5065% | 2,077 |
| Net operating income to assets | 0.1304% | 5,788 |
| Return on assets (ROA) | 0.1464% | 5,885 |
| Pretax return on assets | 0.0572% | 6,038 |
| Return on Equity (ROE) | 1.7322% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.1746% | 5,304 |
| Net charge-offs to loans | 0.5020% | 2,983 |
| Credit loss provision to net charge-offs | 158.8235% | 1,744 |
| Earnings coverage of net charge-offs (x) | 1.7174% | 4,490 |
| Efficiency ratio | 86.0765% | 1,556 |
| Assets per employee ($millions) | 3.2103% | 5,683 |
| Cash dividends to net income (ytd only)* | 32.1875% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2795% | 1,658 |
| Loan loss allowance to noncurrent loans | 40.2013% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 3.6821% | 1,596 |
| Noncurrent loans to loans | 5.6701% | 918 |
| Net loans and leases to total assets | 62.7626% | 3,454 |
| Net loans and leases to deposits | 74.5522% | 3,408 |
| Net loans and leases to core deposits | 78.4472% | 3,631 |
| Total domestic deposits to total assets | 84.1861% | 4,240 |
| Equity capital to assets | 8.6522% | 5,954 |
| Core capital (leverage) ratio | 8.2696% | 5,893 |
| Tier 1 risk-based capital ratio | 12.7937% | 5,245 |
| Total risk-based capital ratio | 14.0564% | 5,215 |
| Memoranda: | ||
| Average total assets | $218,573,200 | 2,854 |
| Average earning assets | $202,444,600 | 2,820 |
| Average equity | $18,473,600 | 3,366 |
| Average total loans | $138,852,200 | 2,809 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 4,454 |
| Cost of funding earning assets | 1.0386% | 3,402 |
| Net interest margin | 3.6633% | 4,510 |
| Noninterest income to average assets | 0.6123% | 3,092 |
| Noninterest expense to average assets | 3.4320% | 2,114 |
| Loan and lease loss provision to assets | 0.3982% | 2,466 |
| Net operating income to assets | 0.1329% | 5,880 |
| Return on assets (ROA) | 0.1348% | 6,001 |
| Pretax return on assets | 0.1787% | 5,933 |
| Return on Equity (ROE) | 1.6040% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.0089% | 5,607 |
| Net charge-offs to loans | 0.5775% | 2,520 |
| Credit loss provision to net charge-offs | 108.8333% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.5700% | 4,461 |
| Efficiency ratio | 85.6621% | 1,571 |
| Assets per employee ($millions) | 3.2011% | 5,680 |
| Cash dividends to net income (ytd only)* | 37.1038% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0926% | 2,075 |
| Loan loss allowance to noncurrent loans | 37.7208% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.5562% | 1,768 |
| Noncurrent loans to loans | 5.5477% | 1,063 |
| Net loans and leases to total assets | 61.0426% | 3,933 |
| Net loans and leases to deposits | 72.5023% | 3,893 |
| Net loans and leases to core deposits | 77.0183% | 4,045 |
| Total domestic deposits to total assets | 84.1939% | 4,133 |
| Equity capital to assets | 8.6169% | 6,180 |
| Core capital (leverage) ratio | 8.2508% | 6,054 |
| Tier 1 risk-based capital ratio | 12.9615% | 5,125 |
| Total risk-based capital ratio | 14.2218% | 5,085 |
| Memoranda: | ||
| Average total assets | $218,641,000 | 2,857 |
| Average earning assets | $202,579,000 | 2,825 |
| Average equity | $18,370,000 | 3,381 |
| Average total loans | $138,513,250 | 2,841 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 4,923 |
| Cost of funding earning assets | 1.0500% | 3,601 |
| Net interest margin | 3.5612% | 4,878 |
| Noninterest income to average assets | 0.6266% | 2,968 |
| Noninterest expense to average assets | 3.4280% | 2,191 |
| Loan and lease loss provision to assets | 0.3215% | 2,858 |
| Net operating income to assets | 0.1127% | 5,983 |
| Return on assets (ROA) | 0.1151% | 6,065 |
| Pretax return on assets | 0.1799% | 5,968 |
| Return on Equity (ROE) | 1.3815% | 5,986 |
| Retained earnings to average equity (ytd only) | 0.7017% | 5,573 |
| Net charge-offs to loans | 0.7817% | 1,939 |
| Credit loss provision to net charge-offs | 64.5872% | 4,218 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,544 |
| Efficiency ratio | 87.3197% | 1,477 |
| Assets per employee ($millions) | 3.2072% | 5,623 |
| Cash dividends to net income (ytd only)* | 49.2063% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 2,736 |
| Loan loss allowance to noncurrent loans | 49.0266% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.5765% | 2,589 |
| Noncurrent loans to loans | 3.8285% | 1,815 |
| Net loans and leases to total assets | 62.1802% | 3,857 |
| Net loans and leases to deposits | 73.6546% | 3,855 |
| Net loans and leases to core deposits | 78.4186% | 4,004 |
| Total domestic deposits to total assets | 84.4214% | 4,160 |
| Equity capital to assets | 8.4191% | 6,281 |
| Core capital (leverage) ratio | 8.1339% | 6,116 |
| Tier 1 risk-based capital ratio | 12.8656% | 5,030 |
| Total risk-based capital ratio | 14.1233% | 4,995 |
| Memoranda: | ||
| Average total assets | $218,962,670 | 2,872 |
| Average earning assets | $202,855,670 | 2,835 |
| Average equity | $18,241,000 | 3,381 |
| Average total loans | $139,446,000 | 2,858 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 5,085 |
| Cost of funding earning assets | 1.0711% | 3,713 |
| Net interest margin | 3.4982% | 5,020 |
| Noninterest income to average assets | 0.6235% | 3,017 |
| Noninterest expense to average assets | 3.4257% | 2,210 |
| Loan and lease loss provision to assets | 0.3610% | 2,392 |
| Net operating income to assets | 0.1112% | 6,066 |
| Return on assets (ROA) | 0.1112% | 6,119 |
| Pretax return on assets | 0.0820% | 6,213 |
| Return on Equity (ROE) | 1.3421% | 6,038 |
| Retained earnings to average equity (ytd only) | 0.4400% | 5,644 |
| Net charge-offs to loans | 0.0086% | 4,987 |
| Credit loss provision to net charge-offs | 6,600.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 374 |
| Efficiency ratio | 88.5485% | 1,457 |
| Assets per employee ($millions) | 3.2503% | 5,595 |
| Cash dividends to net income (ytd only)* | 67.2131% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 2,139 |
| Loan loss allowance to noncurrent loans | 36.6745% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 3.8250% | 1,754 |
| Noncurrent loans to loans | 5.7806% | 1,117 |
| Net loans and leases to total assets | 62.2919% | 3,792 |
| Net loans and leases to deposits | 73.5725% | 3,831 |
| Net loans and leases to core deposits | 78.2700% | 3,983 |
| Total domestic deposits to total assets | 84.6674% | 4,199 |
| Equity capital to assets | 8.2721% | 6,195 |
| Core capital (leverage) ratio | 8.2263% | 5,946 |
| Tier 1 risk-based capital ratio | 12.6779% | 5,088 |
| Total risk-based capital ratio | 13.9388% | 5,055 |
| Memoranda: | ||
| Average total assets | $219,400,500 | 2,890 |
| Average earning assets | $203,534,000 | 2,852 |
| Average equity | $18,181,000 | 3,375 |
| Average total loans | $140,068,500 | 2,887 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 4,495 |
| Cost of funding earning assets | 1.2823% | 4,002 |
| Net interest margin | 3.7301% | 4,227 |
| Noninterest income to average assets | 0.6836% | 2,949 |
| Noninterest expense to average assets | 3.5688% | 2,006 |
| Loan and lease loss provision to assets | 0.3453% | 4,067 |
| Net operating income to assets | 0.2565% | 5,094 |
| Return on assets (ROA) | 0.2692% | 5,199 |
| Pretax return on assets | 0.2302% | 5,411 |
| Return on Equity (ROE) | 3.2042% | 4,866 |
| Retained earnings to average equity (ytd only) | 2.2871% | 4,278 |
| Net charge-offs to loans | 0.3888% | 4,095 |
| Credit loss provision to net charge-offs | 131.4848% | 3,007 |
| Earnings coverage of net charge-offs (x) | 2.1431% | 4,119 |
| Efficiency ratio | 86.3771% | 1,652 |
| Assets per employee ($millions) | 3.1563% | 5,763 |
| Cash dividends to net income (ytd only)* | 28.6213% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 2,313 |
| Loan loss allowance to noncurrent loans | 40.9251% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 3.2753% | 2,157 |
| Noncurrent loans to loans | 4.8825% | 1,405 |
| Net loans and leases to total assets | 62.7651% | 4,118 |
| Net loans and leases to deposits | 74.2749% | 4,146 |
| Net loans and leases to core deposits | 78.3482% | 4,415 |
| Total domestic deposits to total assets | 84.5038% | 4,106 |
| Equity capital to assets | 8.3014% | 6,148 |
| Core capital (leverage) ratio | 8.2016% | 5,818 |
| Tier 1 risk-based capital ratio | 12.5800% | 4,952 |
| Total risk-based capital ratio | 13.8389% | 4,934 |
| Memoranda: | ||
| Average total assets | $212,844,200 | 2,950 |
| Average earning assets | $196,750,600 | 2,919 |
| Average equity | $17,882,800 | 3,445 |
| Average total loans | $143,771,200 | 2,870 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 4,288 |
| Cost of funding earning assets | 1.3249% | 4,074 |
| Net interest margin | 3.7809% | 4,054 |
| Noninterest income to average assets | 0.6906% | 2,873 |
| Noninterest expense to average assets | 3.5183% | 1,998 |
| Loan and lease loss provision to assets | 0.3705% | 3,672 |
| Net operating income to assets | 0.3270% | 5,057 |
| Return on assets (ROA) | 0.3440% | 5,169 |
| Pretax return on assets | 0.3087% | 5,481 |
| Return on Equity (ROE) | 4.0820% | 4,733 |
| Retained earnings to average equity (ytd only) | 3.1625% | 4,214 |
| Net charge-offs to loans | 0.5422% | 3,131 |
| Credit loss provision to net charge-offs | 99.8302% | 4,369 |
| Earnings coverage of net charge-offs (x) | 1.7844% | 4,379 |
| Efficiency ratio | 84.1598% | 1,822 |
| Assets per employee ($millions) | 3.1154% | 5,889 |
| Cash dividends to net income (ytd only)* | 22.5281% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 2,757 |
| Loan loss allowance to noncurrent loans | 43.9394% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 2.8907% | 2,513 |
| Noncurrent loans to loans | 4.1164% | 1,794 |
| Net loans and leases to total assets | 65.9144% | 3,710 |
| Net loans and leases to deposits | 78.2875% | 3,778 |
| Net loans and leases to core deposits | 82.5143% | 4,163 |
| Total domestic deposits to total assets | 84.1953% | 4,010 |
| Equity capital to assets | 8.5210% | 6,252 |
| Core capital (leverage) ratio | 8.2196% | 6,008 |
| Tier 1 risk-based capital ratio | 12.1200% | 5,346 |
| Total risk-based capital ratio | 13.3772% | 5,302 |
| Memoranda: | ||
| Average total assets | $211,609,750 | 3,013 |
| Average earning assets | $195,328,250 | 2,979 |
| Average equity | $17,833,750 | 3,499 |
| Average total loans | $144,844,500 | 2,896 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1692% | 4,099 |
| Cost of funding earning assets | 1.3516% | 4,184 |
| Net interest margin | 3.8176% | 3,819 |
| Noninterest income to average assets | 0.7003% | 2,701 |
| Noninterest expense to average assets | 3.5308% | 1,958 |
| Loan and lease loss provision to assets | 0.3040% | 3,963 |
| Net operating income to assets | 0.3561% | 4,947 |
| Return on assets (ROA) | 0.3782% | 5,022 |
| Pretax return on assets | 0.4048% | 5,212 |
| Return on Equity (ROE) | 4.5041% | 4,535 |
| Retained earnings to average equity (ytd only) | 3.5761% | 3,825 |
| Net charge-offs to loans | 0.5889% | 2,764 |
| Credit loss provision to net charge-offs | 74.9415% | 4,842 |
| Earnings coverage of net charge-offs (x) | 1.6885% | 4,246 |
| Efficiency ratio | 83.7503% | 1,950 |
| Assets per employee ($millions) | 3.0441% | 6,050 |
| Cash dividends to net income (ytd only)* | 20.6030% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 2,972 |
| Loan loss allowance to noncurrent loans | 40.4720% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 2.9922% | 2,383 |
| Noncurrent loans to loans | 4.2705% | 1,741 |
| Net loans and leases to total assets | 66.8142% | 3,663 |
| Net loans and leases to deposits | 79.2979% | 3,735 |
| Net loans and leases to core deposits | 84.4588% | 4,076 |
| Total domestic deposits to total assets | 84.2572% | 3,984 |
| Equity capital to assets | 8.4167% | 6,275 |
| Core capital (leverage) ratio | 8.2295% | 5,892 |
| Tier 1 risk-based capital ratio | 11.9941% | 5,318 |
| Total risk-based capital ratio | 13.2500% | 5,280 |
| Memoranda: | ||
| Average total assets | $210,492,330 | 3,046 |
| Average earning assets | $193,839,330 | 3,022 |
| Average equity | $17,672,670 | 3,516 |
| Average total loans | $145,025,670 | 2,926 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 3,920 |
| Cost of funding earning assets | 1.3993% | 4,177 |
| Net interest margin | 3.8204% | 3,703 |
| Noninterest income to average assets | 0.7342% | 2,387 |
| Noninterest expense to average assets | 3.4953% | 1,993 |
| Loan and lease loss provision to assets | 0.2753% | 3,820 |
| Net operating income to assets | 0.3867% | 4,900 |
| Return on assets (ROA) | 0.4264% | 4,862 |
| Pretax return on assets | 0.5144% | 4,909 |
| Return on Equity (ROE) | 5.0851% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.1502% | 3,656 |
| Net charge-offs to loans | 0.2371% | 3,516 |
| Credit loss provision to net charge-offs | 167.4419% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.5116% | 2,615 |
| Efficiency ratio | 82.4910% | 2,208 |
| Assets per employee ($millions) | 3.0413% | 6,122 |
| Cash dividends to net income (ytd only)* | 18.3857% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 2,583 |
| Loan loss allowance to noncurrent loans | 87.8828% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.5153% | 4,226 |
| Noncurrent loans to loans | 2.1029% | 3,653 |
| Net loans and leases to total assets | 66.5848% | 3,731 |
| Net loans and leases to deposits | 78.8989% | 3,862 |
| Net loans and leases to core deposits | 85.2193% | 4,005 |
| Total domestic deposits to total assets | 84.3925% | 3,956 |
| Equity capital to assets | 8.3099% | 6,287 |
| Core capital (leverage) ratio | 8.3272% | 5,695 |
| Tier 1 risk-based capital ratio | 11.9975% | 5,197 |
| Total risk-based capital ratio | 13.2551% | 5,152 |
| Memoranda: | ||
| Average total assets | $209,194,500 | 3,107 |
| Average earning assets | $191,813,500 | 3,098 |
| Average equity | $17,541,500 | 3,561 |
| Average total loans | $145,100,000 | 2,981 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 3,858 |
| Cost of funding earning assets | 1.6583% | 4,745 |
| Net interest margin | 3.8937% | 3,291 |
| Noninterest income to average assets | 0.4720% | 4,638 |
| Noninterest expense to average assets | 3.7297% | 1,843 |
| Loan and lease loss provision to assets | 0.4180% | 4,310 |
| Net operating income to assets | 0.0020% | 5,475 |
| Return on assets (ROA) | 0.1737% | 5,056 |
| Pretax return on assets | 0.0936% | 5,234 |
| Return on Equity (ROE) | 2.0065% | 4,898 |
| Retained earnings to average equity (ytd only) | 0.4973% | 4,629 |
| Net charge-offs to loans | -0.0041% | 7,713 |
| Credit loss provision to net charge-offs | -13,916.6667% | 7,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6482% | 1,595 |
| Assets per employee ($millions) | 2.9782% | 6,274 |
| Cash dividends to net income (ytd only)* | 75.2161% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 2,576 |
| Loan loss allowance to noncurrent loans | 85.7190% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 4,021 |
| Noncurrent loans to loans | 2.0895% | 3,534 |
| Net loans and leases to total assets | 69.6683% | 3,328 |
| Net loans and leases to deposits | 82.9660% | 3,458 |
| Net loans and leases to core deposits | 102.9875% | 3,689 |
| Total domestic deposits to total assets | 83.9721% | 4,036 |
| Equity capital to assets | 8.4633% | 5,941 |
| Core capital (leverage) ratio | 8.3563% | 5,525 |
| Tier 1 risk-based capital ratio | 11.5137% | 5,383 |
| Total risk-based capital ratio | 12.7698% | 5,337 |
| Memoranda: | ||
| Average total assets | $199,775,200 | 3,182 |
| Average earning assets | $184,581,200 | 3,160 |
| Average equity | $17,294,200 | 3,614 |
| Average total loans | $146,730,800 | 2,973 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5937% | 3,899 |
| Cost of funding earning assets | 1.7031% | 4,881 |
| Net interest margin | 3.8906% | 3,264 |
| Noninterest income to average assets | 0.4127% | 5,191 |
| Noninterest expense to average assets | 3.6508% | 1,919 |
| Loan and lease loss provision to assets | 0.3092% | 4,496 |
| Net operating income to assets | 0.0417% | 5,624 |
| Return on assets (ROA) | 0.2158% | 5,185 |
| Pretax return on assets | 0.2124% | 5,267 |
| Return on Equity (ROE) | 2.4783% | 5,001 |
| Retained earnings to average equity (ytd only) | 0.7797% | 4,853 |
| Net charge-offs to loans | -0.1170% | 7,932 |
| Credit loss provision to net charge-offs | -356.5891% | 7,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3080% | 1,592 |
| Assets per employee ($millions) | 2.9402% | 6,307 |
| Cash dividends to net income (ytd only)* | 68.5366% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 2,975 |
| Loan loss allowance to noncurrent loans | 52.8725% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.3019% | 2,976 |
| Noncurrent loans to loans | 3.0298% | 2,500 |
| Net loans and leases to total assets | 71.3332% | 3,188 |
| Net loans and leases to deposits | 85.3751% | 3,435 |
| Net loans and leases to core deposits | 105.3783% | 3,772 |
| Total domestic deposits to total assets | 83.5527% | 3,927 |
| Equity capital to assets | 8.7158% | 5,934 |
| Core capital (leverage) ratio | 8.4592% | 5,565 |
| Tier 1 risk-based capital ratio | 11.3726% | 5,568 |
| Total risk-based capital ratio | 12.6270% | 5,501 |
| Memoranda: | ||
| Average total assets | $198,344,500 | 3,218 |
| Average earning assets | $182,795,750 | 3,207 |
| Average equity | $17,269,750 | 3,649 |
| Average total loans | $146,969,000 | 3,000 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6568% | 3,788 |
| Cost of funding earning assets | 1.7343% | 5,096 |
| Net interest margin | 3.9226% | 3,010 |
| Noninterest income to average assets | 0.2652% | 6,377 |
| Noninterest expense to average assets | 3.6995% | 1,837 |
| Loan and lease loss provision to assets | 0.2235% | 4,798 |
| Net operating income to assets | 0.0122% | 5,800 |
| Return on assets (ROA) | 0.1890% | 5,383 |
| Pretax return on assets | 0.1179% | 5,635 |
| Return on Equity (ROE) | 2.1713% | 5,232 |
| Retained earnings to average equity (ytd only) | -0.2568% | 5,289 |
| Net charge-offs to loans | -0.1756% | 8,019 |
| Credit loss provision to net charge-offs | -170.5426% | 6,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7402% | 1,396 |
| Assets per employee ($millions) | 2.9335% | 6,306 |
| Cash dividends to net income (ytd only)* | 111.8280% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 3,460 |
| Loan loss allowance to noncurrent loans | 46.0922% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 2,720 |
| Noncurrent loans to loans | 3.1472% | 2,267 |
| Net loans and leases to total assets | 71.4561% | 3,360 |
| Net loans and leases to deposits | 85.2389% | 3,695 |
| Net loans and leases to core deposits | 104.1371% | 4,049 |
| Total domestic deposits to total assets | 83.8304% | 3,858 |
| Equity capital to assets | 8.4131% | 6,174 |
| Core capital (leverage) ratio | 8.4183% | 5,584 |
| Tier 1 risk-based capital ratio | 11.3756% | 5,526 |
| Total risk-based capital ratio | 12.6280% | 5,428 |
| Memoranda: | ||
| Average total assets | $196,835,330 | 3,260 |
| Average earning assets | $180,596,670 | 3,253 |
| Average equity | $17,132,330 | 3,682 |
| Average total loans | $146,935,000 | 3,030 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8394% | 3,095 |
| Cost of funding earning assets | 1.7781% | 5,218 |
| Net interest margin | 4.0613% | 2,422 |
| Noninterest income to average assets | 0.5360% | 4,016 |
| Noninterest expense to average assets | 3.7908% | 1,489 |
| Loan and lease loss provision to assets | 0.0928% | 5,769 |
| Net operating income to assets | 0.3278% | 5,177 |
| Return on assets (ROA) | 0.3278% | 5,361 |
| Pretax return on assets | 0.3484% | 5,538 |
| Return on Equity (ROE) | 3.7011% | 5,086 |
| Retained earnings to average equity (ytd only) | 0.7682% | 5,355 |
| Net charge-offs to loans | 0.0245% | 5,204 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 23.7778% | 1,264 |
| Efficiency ratio | 89.5762% | 1,757 |
| Assets per employee ($millions) | 2.8278% | 6,578 |
| Cash dividends to net income (ytd only)* | 79.2453% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,553 |
| Loan loss allowance to noncurrent loans | 139.5545% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 4,996 |
| Noncurrent loans to loans | 0.8848% | 5,232 |
| Net loans and leases to total assets | 73.4169% | 2,910 |
| Net loans and leases to deposits | 88.1160% | 3,270 |
| Net loans and leases to core deposits | 107.4331% | 3,750 |
| Total domestic deposits to total assets | 83.3184% | 3,992 |
| Equity capital to assets | 8.7361% | 5,711 |
| Core capital (leverage) ratio | 8.8075% | 4,971 |
| Tier 1 risk-based capital ratio | 11.2907% | 5,609 |
| Total risk-based capital ratio | 12.4978% | 5,559 |
| Memoranda: | ||
| Average total assets | $194,047,500 | 3,309 |
| Average earning assets | $176,594,000 | 3,329 |
| Average equity | $17,184,000 | 3,699 |
| Average total loans | $147,020,500 | 3,058 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3775% | 3,535 |
| Cost of funding earning assets | 2.1652% | 5,758 |
| Net interest margin | 4.2123% | 2,271 |
| Noninterest income to average assets | 0.6072% | 3,794 |
| Noninterest expense to average assets | 3.5903% | 2,174 |
| Loan and lease loss provision to assets | 0.5539% | 2,602 |
| Net operating income to assets | 0.3072% | 5,518 |
| Return on assets (ROA) | 0.3287% | 5,272 |
| Pretax return on assets | 0.3078% | 5,496 |
| Return on Equity (ROE) | 3.7215% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.0413% | 4,601 |
| Net charge-offs to loans | 0.8865% | 1,397 |
| Credit loss provision to net charge-offs | 84.0603% | 5,804 |
| Earnings coverage of net charge-offs (x) | 1.2752% | 5,490 |
| Efficiency ratio | 81.0355% | 2,441 |
| Assets per employee ($millions) | 2.8380% | 6,474 |
| Cash dividends to net income (ytd only)* | 72.0191% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 4,435 |
| Loan loss allowance to noncurrent loans | 146.3054% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 4,811 |
| Noncurrent loans to loans | 0.8292% | 4,978 |
| Net loans and leases to total assets | 76.3171% | 2,539 |
| Net loans and leases to deposits | 95.2210% | 2,576 |
| Net loans and leases to core deposits | 115.5734% | 3,166 |
| Total domestic deposits to total assets | 80.1474% | 4,963 |
| Equity capital to assets | 8.9799% | 5,394 |
| Core capital (leverage) ratio | 8.9914% | 4,753 |
| Tier 1 risk-based capital ratio | 11.3052% | 5,436 |
| Total risk-based capital ratio | 12.4924% | 5,380 |
| Memoranda: | ||
| Average total assets | $191,375,400 | 3,252 |
| Average earning assets | $173,704,800 | 3,273 |
| Average equity | $16,902,000 | 3,757 |
| Average total loans | $142,238,200 | 3,056 |