Home > First Whitney Bank and Trust > Performance and Condition Ratios
First Whitney Bank and Trust, 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 | 3.9861% | 3,988 |
| Cost of funding earning assets | 1.6642% | 1,533 |
| Net interest margin | 2.3219% | 4,245 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.2800% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1032% | 1,916 |
| Return on assets (ROA) | 1.0705% | 1,976 |
| Pretax return on assets | 1.1251% | 2,330 |
| Return on Equity (ROE) | 14.7500% | 1,331 |
| Retained earnings to average equity (ytd only) | -3.4227% | 4,347 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.4703% | 3,791 |
| Assets per employee ($millions) | 14.3356% | 237 |
| Cash dividends to net income (ytd only)* | 123.2033% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2727% | 4,434 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.7900% | 3,057 |
| Net loans and leases to deposits | 66.8477% | 3,117 |
| Net loans and leases to core deposits | 74.8638% | 3,037 |
| Total domestic deposits to total assets | 86.4400% | 1,879 |
| Equity capital to assets | 7.8780% | 3,498 |
| Core capital (leverage) ratio | 10.4977% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6374% | 2,674 |
| Memoranda: | ||
| Average total assets | $272,963,200 | 2,566 |
| Average earning assets | $263,363,000 | 2,504 |
| Average equity | $19,809,200 | 2,872 |
| Average total loans | $148,925,200 | 2,685 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,886 |
| Cost of funding earning assets | 1.6111% | 1,353 |
| Net interest margin | 2.3684% | 4,265 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.1744% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2156% | 1,750 |
| Return on assets (ROA) | 1.2095% | 1,756 |
| Pretax return on assets | 1.2713% | 2,120 |
| Return on Equity (ROE) | 17.0500% | 1,068 |
| Retained earnings to average equity (ytd only) | -8.0564% | 4,484 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.8919% | 4,051 |
| Assets per employee ($millions) | 13.3440% | 279 |
| Cash dividends to net income (ytd only)* | 147.2393% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3034% | 4,442 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.7800% | 3,223 |
| Net loans and leases to deposits | 61.6127% | 3,429 |
| Net loans and leases to core deposits | 67.0968% | 3,373 |
| Total domestic deposits to total assets | 90.5400% | 792 |
| Equity capital to assets | 5.6201% | 4,100 |
| Core capital (leverage) ratio | 10.3585% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4363% | 2,470 |
| Memoranda: | ||
| Average total assets | $269,526,250 | 2,583 |
| Average earning assets | $260,195,250 | 2,524 |
| Average equity | $19,114,750 | 2,925 |
| Average total loans | $144,623,750 | 2,720 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,932 |
| Cost of funding earning assets | 1.4535% | 1,326 |
| Net interest margin | 2.4088% | 4,291 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.1575% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2855% | 1,605 |
| Return on assets (ROA) | 1.2855% | 1,592 |
| Pretax return on assets | 1.3513% | 1,943 |
| Return on Equity (ROE) | 16.9700% | 1,103 |
| Retained earnings to average equity (ytd only) | -18.1777% | 4,572 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.1380% | 4,156 |
| Assets per employee ($millions) | 13.1403% | 290 |
| Cash dividends to net income (ytd only)* | 207.1346% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3246% | 4,468 |
| 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 | 52.9300% | 3,345 |
| Net loans and leases to deposits | 58.3248% | 3,525 |
| Net loans and leases to core deposits | 63.4158% | 3,479 |
| Total domestic deposits to total assets | 90.7500% | 716 |
| Equity capital to assets | 7.4820% | 3,532 |
| Core capital (leverage) ratio | 10.0906% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4082% | 2,502 |
| Memoranda: | ||
| Average total assets | $270,408,333 | 2,585 |
| Average earning assets | $261,708,000 | 2,522 |
| Average equity | $20,486,667 | 2,820 |
| Average total loans | $143,054,333 | 2,741 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 4,012 |
| Cost of funding earning assets | 1.2673% | 1,306 |
| Net interest margin | 2.4380% | 4,357 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.1203% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3552% | 1,528 |
| Return on assets (ROA) | 1.3552% | 1,497 |
| Pretax return on assets | 1.4223% | 1,828 |
| Return on Equity (ROE) | 17.7800% | 1,054 |
| Retained earnings to average equity (ytd only) | -51.1233% | 4,669 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.0620% | 4,299 |
| Assets per employee ($millions) | 14.6984% | 221 |
| Cash dividends to net income (ytd only)* | 387.5135% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3176% | 4,528 |
| 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 | 50.9200% | 3,426 |
| Net loans and leases to deposits | 57.1187% | 3,501 |
| Net loans and leases to core deposits | 60.5744% | 3,513 |
| Total domestic deposits to total assets | 89.1400% | 1,495 |
| Equity capital to assets | 7.3348% | 3,655 |
| Core capital (leverage) ratio | 9.7965% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9050% | 2,754 |
| Memoranda: | ||
| Average total assets | $274,210,000 | 2,591 |
| Average earning assets | $265,136,500 | 2,533 |
| Average equity | $20,898,500 | 2,804 |
| Average total loans | $144,801,500 | 2,754 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1542% | 3,899 |
| Cost of funding earning assets | 0.5442% | 1,137 |
| Net interest margin | 2.6100% | 4,157 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.2216% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4759% | 943 |
| Return on assets (ROA) | 1.4759% | 906 |
| Pretax return on assets | 1.5494% | 1,295 |
| Return on Equity (ROE) | 19.0200% | 569 |
| Retained earnings to average equity (ytd only) | 10.4983% | 1,002 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.0864% | 4,427 |
| Assets per employee ($millions) | 13.4575% | 275 |
| Cash dividends to net income (ytd only)* | 44.8096% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3083% | 4,544 |
| 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 | 54.4300% | 3,157 |
| Net loans and leases to deposits | 59.9596% | 3,326 |
| Net loans and leases to core deposits | 62.5118% | 3,362 |
| Total domestic deposits to total assets | 90.7800% | 1,030 |
| Equity capital to assets | 7.9186% | 3,108 |
| Core capital (leverage) ratio | 10.6062% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0219% | 2,364 |
| Memoranda: | ||
| Average total assets | $272,174,600 | 2,594 |
| Average earning assets | $264,059,000 | 2,530 |
| Average equity | $21,117,800 | 2,850 |
| Average total loans | $145,470,200 | 2,676 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0180% | 3,858 |
| Cost of funding earning assets | 0.4079% | 1,232 |
| Net interest margin | 2.6102% | 4,086 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.1329% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5642% | 717 |
| Return on assets (ROA) | 1.5642% | 694 |
| Pretax return on assets | 1.6434% | 1,020 |
| Return on Equity (ROE) | 20.2600% | 411 |
| Retained earnings to average equity (ytd only) | 8.8722% | 1,691 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.8059% | 4,553 |
| Assets per employee ($millions) | 13.2327% | 285 |
| Cash dividends to net income (ytd only)* | 56.2149% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3112% | 4,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.8200% | 3,023 |
| Net loans and leases to deposits | 58.6115% | 3,305 |
| Net loans and leases to core deposits | 60.7309% | 3,331 |
| Total domestic deposits to total assets | 93.5400% | 450 |
| Equity capital to assets | 5.9742% | 3,976 |
| Core capital (leverage) ratio | 10.2918% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6128% | 2,615 |
| Memoranda: | ||
| Average total assets | $272,930,750 | 2,607 |
| Average earning assets | $265,110,750 | 2,540 |
| Average equity | $21,069,000 | 2,891 |
| Average total loans | $145,098,500 | 2,683 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9227% | 3,732 |
| Cost of funding earning assets | 0.3321% | 1,423 |
| Net interest margin | 2.5905% | 3,930 |
| Noninterest income to average assets | 0.2561% | 3,639 |
| Noninterest expense to average assets | 1.1128% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5808% | 572 |
| Return on assets (ROA) | 1.5808% | 565 |
| Pretax return on assets | 1.6613% | 823 |
| Return on Equity (ROE) | 19.0959% | 380 |
| Retained earnings to average equity (ytd only) | 3.3214% | 3,338 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1151% | 4,605 |
| Assets per employee ($millions) | 13.3579% | 271 |
| Cash dividends to net income (ytd only)* | 82.6067% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3182% | 4,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.1244% | 3,051 |
| Net loans and leases to deposits | 57.4629% | 3,273 |
| Net loans and leases to core deposits | 60.1771% | 3,259 |
| Total domestic deposits to total assets | 92.4498% | 670 |
| Equity capital to assets | 7.1905% | 3,671 |
| Core capital (leverage) ratio | 9.8923% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6638% | 2,624 |
| Memoranda: | ||
| Average total assets | $275,689,667 | 2,611 |
| Average earning assets | $267,975,333 | 2,552 |
| Average equity | $22,821,667 | 2,829 |
| Average total loans | $144,950,000 | 2,698 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8298% | 3,687 |
| Cost of funding earning assets | 0.3228% | 1,436 |
| Net interest margin | 2.5070% | 3,896 |
| Noninterest income to average assets | 0.1643% | 4,178 |
| Noninterest expense to average assets | 1.0687% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4531% | 708 |
| Return on assets (ROA) | 1.4531% | 704 |
| Pretax return on assets | 1.5260% | 970 |
| Return on Equity (ROE) | 16.5181% | 477 |
| Retained earnings to average equity (ytd only) | -12.7175% | 4,607 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1894% | 4,620 |
| Assets per employee ($millions) | 15.0055% | 204 |
| Cash dividends to net income (ytd only)* | 176.9912% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3137% | 4,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.4967% | 3,128 |
| Net loans and leases to deposits | 55.9662% | 3,267 |
| Net loans and leases to core deposits | 58.7828% | 3,253 |
| Total domestic deposits to total assets | 90.2271% | 1,426 |
| Equity capital to assets | 7.2567% | 4,067 |
| Core capital (leverage) ratio | 9.5038% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5935% | 2,965 |
| Memoranda: | ||
| Average total assets | $279,955,500 | 2,601 |
| Average earning assets | $271,395,500 | 2,547 |
| Average equity | $24,627,500 | 2,797 |
| Average total loans | $146,235,500 | 2,675 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9547% | 3,952 |
| Cost of funding earning assets | 0.3474% | 1,957 |
| Net interest margin | 2.6073% | 4,038 |
| Noninterest income to average assets | 0.3808% | 3,160 |
| Noninterest expense to average assets | 1.1652% | 4,725 |
| Loan and lease loss provision to assets | -0.0198% | 4,221 |
| Net operating income to assets | 1.6838% | 654 |
| Return on assets (ROA) | 1.6838% | 681 |
| Pretax return on assets | 1.7686% | 979 |
| Return on Equity (ROE) | 16.5095% | 676 |
| Retained earnings to average equity (ytd only) | 5.5276% | 2,548 |
| Net charge-offs to loans | -0.0349% | 4,179 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9872% | 4,688 |
| Assets per employee ($millions) | 13.7404% | 257 |
| Cash dividends to net income (ytd only)* | 66.5188% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3060% | 4,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.7093% | 2,886 |
| Net loans and leases to deposits | 61.7439% | 2,903 |
| Net loans and leases to core deposits | 65.9991% | 2,819 |
| Total domestic deposits to total assets | 86.9872% | 2,526 |
| Equity capital to assets | 10.3949% | 2,272 |
| Core capital (leverage) ratio | 10.2792% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0529% | 2,874 |
| Memoranda: | ||
| Average total assets | $267,841,800 | 2,615 |
| Average earning assets | $260,232,400 | 2,550 |
| Average equity | $27,317,600 | 2,698 |
| Average total loans | $151,804,800 | 2,616 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9993% | 4,007 |
| Cost of funding earning assets | 0.4079% | 1,640 |
| Net interest margin | 2.5914% | 4,143 |
| Noninterest income to average assets | 0.4023% | 3,069 |
| Noninterest expense to average assets | 1.0497% | 4,829 |
| Loan and lease loss provision to assets | -0.0267% | 4,379 |
| Net operating income to assets | 1.8063% | 656 |
| Return on assets (ROA) | 1.8063% | 684 |
| Pretax return on assets | 1.8970% | 954 |
| Return on Equity (ROE) | 17.7984% | 650 |
| Retained earnings to average equity (ytd only) | 2.9870% | 3,915 |
| Net charge-offs to loans | -0.0463% | 4,319 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9472% | 4,812 |
| Assets per employee ($millions) | 14.8124% | 214 |
| Cash dividends to net income (ytd only)* | 83.2178% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2945% | 4,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.4984% | 2,907 |
| Net loans and leases to deposits | 61.5262% | 3,091 |
| Net loans and leases to core deposits | 65.9551% | 2,960 |
| Total domestic deposits to total assets | 88.5775% | 1,525 |
| Equity capital to assets | 9.8637% | 3,034 |
| Core capital (leverage) ratio | 10.1095% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3962% | 3,050 |
| Memoranda: | ||
| Average total assets | $266,100,500 | 2,654 |
| Average earning assets | $258,542,250 | 2,577 |
| Average equity | $27,005,500 | 2,753 |
| Average total loans | $152,743,500 | 2,645 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0989% | 3,868 |
| Cost of funding earning assets | 0.4452% | 1,554 |
| Net interest margin | 2.6537% | 4,074 |
| Noninterest income to average assets | 0.3533% | 3,347 |
| Noninterest expense to average assets | 1.0751% | 4,854 |
| Loan and lease loss provision to assets | -0.0406% | 4,493 |
| Net operating income to assets | 1.8062% | 705 |
| Return on assets (ROA) | 1.8062% | 740 |
| Pretax return on assets | 1.8951% | 1,030 |
| Return on Equity (ROE) | 17.6198% | 696 |
| Retained earnings to average equity (ytd only) | -4.8068% | 4,786 |
| Net charge-offs to loans | -0.0696% | 4,504 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6989% | 4,826 |
| Assets per employee ($millions) | 13.8136% | 243 |
| Cash dividends to net income (ytd only)* | 127.2804% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3049% | 4,844 |
| Loan loss allowance to noncurrent loans | 439.8058% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,993 |
| Noncurrent loans to loans | 0.0693% | 3,843 |
| Net loans and leases to total assets | 56.4404% | 2,847 |
| Net loans and leases to deposits | 63.5780% | 3,042 |
| Net loans and leases to core deposits | 68.7842% | 2,884 |
| Total domestic deposits to total assets | 88.7735% | 1,402 |
| Equity capital to assets | 10.2069% | 2,660 |
| Core capital (leverage) ratio | 9.7052% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5419% | 3,032 |
| Memoranda: | ||
| Average total assets | $260,988,667 | 2,678 |
| Average earning assets | $253,377,333 | 2,605 |
| Average equity | $26,754,000 | 2,764 |
| Average total loans | $152,381,000 | 2,660 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2190% | 3,647 |
| Cost of funding earning assets | 0.5161% | 1,294 |
| Net interest margin | 2.7029% | 3,961 |
| Noninterest income to average assets | 0.2705% | 3,779 |
| Noninterest expense to average assets | 1.0667% | 4,894 |
| Loan and lease loss provision to assets | -0.0815% | 4,698 |
| Net operating income to assets | 1.8044% | 784 |
| Return on assets (ROA) | 1.8044% | 836 |
| Pretax return on assets | 1.8935% | 1,128 |
| Return on Equity (ROE) | 17.5640% | 772 |
| Retained earnings to average equity (ytd only) | -27.3185% | 4,941 |
| Net charge-offs to loans | -0.1374% | 4,715 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0529% | 4,831 |
| Assets per employee ($millions) | 14.0661% | 231 |
| Cash dividends to net income (ytd only)* | 255.5366% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2928% | 4,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.7112% | 2,832 |
| Net loans and leases to deposits | 65.6522% | 2,954 |
| Net loans and leases to core deposits | 71.6713% | 2,727 |
| Total domestic deposits to total assets | 87.9044% | 1,892 |
| Equity capital to assets | 9.5239% | 3,176 |
| Core capital (leverage) ratio | 9.4481% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3185% | 3,072 |
| Memoranda: | ||
| Average total assets | $260,253,500 | 2,669 |
| Average earning assets | $251,135,000 | 2,602 |
| Average equity | $26,736,500 | 2,749 |
| Average total loans | $154,278,500 | 2,649 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5514% | 3,919 |
| Cost of funding earning assets | 0.6561% | 1,956 |
| Net interest margin | 2.8953% | 4,114 |
| Noninterest income to average assets | 0.3256% | 3,513 |
| Noninterest expense to average assets | 1.1857% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8499% | 353 |
| Return on assets (ROA) | 1.8503% | 375 |
| Pretax return on assets | 1.9431% | 512 |
| Return on Equity (ROE) | 17.4515% | 375 |
| Retained earnings to average equity (ytd only) | 1.8285% | 3,899 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9004% | 4,910 |
| Assets per employee ($millions) | 13.3291% | 244 |
| Cash dividends to net income (ytd only)* | 89.5225% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2944% | 4,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.5780% | 2,783 |
| Net loans and leases to deposits | 69.5807% | 2,931 |
| Net loans and leases to core deposits | 76.1414% | 2,719 |
| Total domestic deposits to total assets | 87.0615% | 1,914 |
| Equity capital to assets | 11.0641% | 2,200 |
| Core capital (leverage) ratio | 10.5298% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6640% | 2,996 |
| Memoranda: | ||
| Average total assets | $244,506,600 | 2,616 |
| Average earning assets | $236,695,400 | 2,544 |
| Average equity | $25,923,200 | 2,744 |
| Average total loans | $153,117,200 | 2,635 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 3,963 |
| Cost of funding earning assets | 0.7320% | 1,846 |
| Net interest margin | 2.8933% | 4,193 |
| Noninterest income to average assets | 0.3736% | 3,211 |
| Noninterest expense to average assets | 1.1004% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9830% | 310 |
| Return on assets (ROA) | 1.9825% | 338 |
| Pretax return on assets | 2.0826% | 433 |
| Return on Equity (ROE) | 18.9137% | 301 |
| Retained earnings to average equity (ytd only) | -2.3465% | 4,727 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5662% | 4,966 |
| Assets per employee ($millions) | 13.3565% | 235 |
| Cash dividends to net income (ytd only)* | 112.4063% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2942% | 4,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 60.5062% | 3,164 |
| Net loans and leases to deposits | 68.6974% | 3,413 |
| Net loans and leases to core deposits | 75.0037% | 3,242 |
| Total domestic deposits to total assets | 88.0764% | 1,188 |
| Equity capital to assets | 10.6094% | 2,696 |
| Core capital (leverage) ratio | 10.1942% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4440% | 3,041 |
| Memoranda: | ||
| Average total assets | $242,320,250 | 2,611 |
| Average earning assets | $235,340,500 | 2,539 |
| Average equity | $25,399,000 | 2,764 |
| Average total loans | $152,929,500 | 2,642 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 3,963 |
| Cost of funding earning assets | 0.8181% | 1,744 |
| Net interest margin | 2.9446% | 4,231 |
| Noninterest income to average assets | 0.4755% | 2,678 |
| Noninterest expense to average assets | 1.0985% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1241% | 252 |
| Return on assets (ROA) | 2.1241% | 279 |
| Pretax return on assets | 2.2323% | 348 |
| Return on Equity (ROE) | 20.3530% | 231 |
| Retained earnings to average equity (ytd only) | -12.1893% | 4,951 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9809% | 5,000 |
| Assets per employee ($millions) | 12.7679% | 267 |
| Cash dividends to net income (ytd only)* | 159.8895% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2974% | 4,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 62.6058% | 3,059 |
| Net loans and leases to deposits | 70.7348% | 3,367 |
| Net loans and leases to core deposits | 78.2426% | 3,085 |
| Total domestic deposits to total assets | 88.5078% | 941 |
| Equity capital to assets | 10.5676% | 2,693 |
| Core capital (leverage) ratio | 9.8120% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0650% | 3,155 |
| Memoranda: | ||
| Average total assets | $238,502,333 | 2,615 |
| Average earning assets | $231,271,000 | 2,542 |
| Average equity | $24,890,667 | 2,785 |
| Average total loans | $152,572,000 | 2,638 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 4,015 |
| Cost of funding earning assets | 0.9862% | 1,480 |
| Net interest margin | 2.9237% | 4,397 |
| Noninterest income to average assets | 0.1793% | 4,472 |
| Noninterest expense to average assets | 1.1249% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7914% | 420 |
| Return on assets (ROA) | 1.7914% | 465 |
| Pretax return on assets | 1.8828% | 587 |
| Return on Equity (ROE) | 17.2771% | 310 |
| Retained earnings to average equity (ytd only) | -48.7968% | 5,084 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4016% | 5,016 |
| Assets per employee ($millions) | 12.6934% | 200 |
| Cash dividends to net income (ytd only)* | 382.4363% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2983% | 4,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 62.7850% | 3,219 |
| Net loans and leases to deposits | 71.3826% | 3,489 |
| Net loans and leases to core deposits | 79.0392% | 3,286 |
| Total domestic deposits to total assets | 87.9556% | 1,131 |
| Equity capital to assets | 9.5454% | 4,171 |
| Core capital (leverage) ratio | 9.3578% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1134% | 3,388 |
| Memoranda: | ||
| Average total assets | $236,458,000 | 2,584 |
| Average earning assets | $228,747,500 | 2,505 |
| Average equity | $24,518,000 | 2,807 |
| Average total loans | $152,693,500 | 2,614 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 3,327 |
| Cost of funding earning assets | 0.9780% | 1,820 |
| Net interest margin | 3.3945% | 3,767 |
| Noninterest income to average assets | 0.1948% | 4,493 |
| Noninterest expense to average assets | 1.3349% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0338% | 322 |
| Return on assets (ROA) | 2.0346% | 342 |
| Pretax return on assets | 2.1340% | 438 |
| Return on Equity (ROE) | 18.8778% | 278 |
| Retained earnings to average equity (ytd only) | 2.1297% | 3,930 |
| Net charge-offs to loans | 0.0026% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,196.5000% | 82 |
| Efficiency ratio | 38.4912% | 5,085 |
| Assets per employee ($millions) | 11.0353% | 292 |
| Cash dividends to net income (ytd only)* | 88.7185% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2951% | 5,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 66.0476% | 2,943 |
| Net loans and leases to deposits | 74.5641% | 3,300 |
| Net loans and leases to core deposits | 83.4019% | 3,007 |
| Total domestic deposits to total assets | 88.5782% | 851 |
| Equity capital to assets | 11.2258% | 2,786 |
| Core capital (leverage) ratio | 11.5375% | 2,082 |
| Tier 1 risk-based capital ratio | 11.1957% | 4,775 |
| Total risk-based capital ratio | 11.3980% | 5,051 |
| Memoranda: | ||
| Average total assets | $224,367,600 | 2,624 |
| Average earning assets | $216,350,400 | 2,556 |
| Average equity | $24,181,800 | 2,776 |
| Average total loans | $155,532,200 | 2,564 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 3,234 |
| Cost of funding earning assets | 1.0681% | 1,478 |
| Net interest margin | 3.3736% | 3,933 |
| Noninterest income to average assets | 0.1989% | 4,525 |
| Noninterest expense to average assets | 1.2295% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1109% | 315 |
| Return on assets (ROA) | 2.1121% | 324 |
| Pretax return on assets | 2.2181% | 442 |
| Return on Equity (ROE) | 19.8111% | 263 |
| Retained earnings to average equity (ytd only) | -2.9506% | 4,989 |
| Net charge-offs to loans | 0.0034% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 925.5553% | 101 |
| Efficiency ratio | 35.6745% | 5,181 |
| Assets per employee ($millions) | 10.5948% | 299 |
| Cash dividends to net income (ytd only)* | 114.8938% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2887% | 5,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 70.3260% | 2,421 |
| Net loans and leases to deposits | 80.8199% | 2,819 |
| Net loans and leases to core deposits | 90.7856% | 2,486 |
| Total domestic deposits to total assets | 87.0157% | 1,504 |
| Equity capital to assets | 11.2324% | 2,891 |
| Core capital (leverage) ratio | 11.1660% | 2,497 |
| Tier 1 risk-based capital ratio | 10.9208% | 4,953 |
| Total risk-based capital ratio | 11.1267% | 5,169 |
| Memoranda: | ||
| Average total assets | $222,524,000 | 2,660 |
| Average earning assets | $214,210,000 | 2,595 |
| Average equity | $23,723,500 | 2,832 |
| Average total loans | $156,037,000 | 2,585 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 3,198 |
| Cost of funding earning assets | 1.0804% | 1,379 |
| Net interest margin | 3.3638% | 4,003 |
| Noninterest income to average assets | 0.2022% | 4,538 |
| Noninterest expense to average assets | 1.2007% | 5,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1264% | 308 |
| Return on assets (ROA) | 2.1264% | 321 |
| Pretax return on assets | 2.2361% | 415 |
| Return on Equity (ROE) | 20.3081% | 237 |
| Retained earnings to average equity (ytd only) | -14.4543% | 5,215 |
| Net charge-offs to loans | 0.0051% | 2,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 622.0000% | 126 |
| Efficiency ratio | 34.9372% | 5,233 |
| Assets per employee ($millions) | 10.2289% | 317 |
| Cash dividends to net income (ytd only)* | 171.1750% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2916% | 5,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.1154% | 2,203 |
| Net loans and leases to deposits | 83.4936% | 2,546 |
| Net loans and leases to core deposits | 92.0188% | 2,418 |
| Total domestic deposits to total assets | 86.3724% | 1,863 |
| Equity capital to assets | 11.0103% | 3,042 |
| Core capital (leverage) ratio | 10.6473% | 2,943 |
| Tier 1 risk-based capital ratio | 10.5085% | 5,102 |
| Total risk-based capital ratio | 10.7167% | 5,261 |
| Memoranda: | ||
| Average total assets | $222,535,000 | 2,669 |
| Average earning assets | $213,986,330 | 2,609 |
| Average equity | $23,301,000 | 2,855 |
| Average total loans | $155,742,000 | 2,597 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 3,507 |
| Cost of funding earning assets | 1.0334% | 1,434 |
| Net interest margin | 3.2846% | 4,201 |
| Noninterest income to average assets | 0.1926% | 4,602 |
| Noninterest expense to average assets | 1.2085% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0247% | 371 |
| Return on assets (ROA) | 2.0247% | 389 |
| Pretax return on assets | 2.1290% | 501 |
| Return on Equity (ROE) | 19.8218% | 277 |
| Retained earnings to average equity (ytd only) | -50.2292% | 5,332 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2096% | 5,265 |
| Assets per employee ($millions) | 11.9324% | 209 |
| Cash dividends to net income (ytd only)* | 353.4031% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2969% | 5,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.6960% | 2,801 |
| Net loans and leases to deposits | 78.2926% | 3,030 |
| Net loans and leases to core deposits | 83.4291% | 3,067 |
| Total domestic deposits to total assets | 86.4654% | 2,090 |
| Equity capital to assets | 9.7043% | 4,088 |
| Core capital (leverage) ratio | 10.0861% | 3,509 |
| Tier 1 risk-based capital ratio | 9.9694% | 5,290 |
| Total risk-based capital ratio | 10.1800% | 5,340 |
| Memoranda: | ||
| Average total assets | $226,399,000 | 2,665 |
| Average earning assets | $216,769,500 | 2,610 |
| Average equity | $23,126,000 | 2,873 |
| Average total loans | $155,932,000 | 2,627 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 3,546 |
| Cost of funding earning assets | 0.5992% | 2,725 |
| Net interest margin | 3.5637% | 3,500 |
| Noninterest income to average assets | 0.2062% | 4,685 |
| Noninterest expense to average assets | 1.3737% | 5,274 |
| Loan and lease loss provision to assets | 0.0462% | 3,262 |
| Net operating income to assets | 2.0987% | 298 |
| Return on assets (ROA) | 2.0987% | 295 |
| Pretax return on assets | 2.2041% | 354 |
| Return on Equity (ROE) | 19.9191% | 255 |
| Retained earnings to average equity (ytd only) | 4.1207% | 3,292 |
| Net charge-offs to loans | -0.0123% | 4,547 |
| Credit loss provision to net charge-offs | -555.5556% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9051% | 5,308 |
| Assets per employee ($millions) | 11.8991% | 204 |
| Cash dividends to net income (ytd only)* | 79.3126% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2894% | 5,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.6527% | 2,620 |
| Net loans and leases to deposits | 84.0479% | 2,507 |
| Net loans and leases to core deposits | 88.6163% | 2,691 |
| Total domestic deposits to total assets | 82.8727% | 3,370 |
| Equity capital to assets | 10.7266% | 2,949 |
| Core capital (leverage) ratio | 11.3255% | 2,242 |
| Tier 1 risk-based capital ratio | 11.1349% | 4,902 |
| Total risk-based capital ratio | 11.3422% | 5,236 |
| Memoranda: | ||
| Average total assets | $216,276,800 | 2,718 |
| Average earning assets | $207,426,000 | 2,659 |
| Average equity | $22,787,200 | 2,837 |
| Average total loans | $146,447,600 | 2,685 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,777 |
| Cost of funding earning assets | 0.4545% | 3,496 |
| Net interest margin | 3.5992% | 3,370 |
| Noninterest income to average assets | 0.2070% | 4,722 |
| Noninterest expense to average assets | 1.2228% | 5,390 |
| Loan and lease loss provision to assets | 0.0312% | 3,393 |
| Net operating income to assets | 2.2940% | 230 |
| Return on assets (ROA) | 2.2940% | 228 |
| Pretax return on assets | 2.4094% | 277 |
| Return on Equity (ROE) | 21.8775% | 173 |
| Retained earnings to average equity (ytd only) | 0.4698% | 4,954 |
| Net charge-offs to loans | -0.0167% | 4,576 |
| Credit loss provision to net charge-offs | -277.7778% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.3787% | 5,411 |
| Assets per employee ($millions) | 11.1289% | 240 |
| Cash dividends to net income (ytd only)* | 97.8527% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2797% | 5,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 68.6203% | 2,847 |
| Net loans and leases to deposits | 78.9493% | 3,146 |
| Net loans and leases to core deposits | 83.0160% | 3,247 |
| Total domestic deposits to total assets | 86.9169% | 1,769 |
| Equity capital to assets | 10.8508% | 2,799 |
| Core capital (leverage) ratio | 11.1423% | 2,462 |
| Tier 1 risk-based capital ratio | 12.8797% | 3,973 |
| Total risk-based capital ratio | 13.1011% | 4,467 |
| Memoranda: | ||
| Average total assets | $213,825,250 | 2,760 |
| Average earning assets | $205,337,250 | 2,690 |
| Average equity | $22,421,250 | 2,884 |
| Average total loans | $143,577,000 | 2,743 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9894% | 3,817 |
| Cost of funding earning assets | 0.4250% | 3,538 |
| Net interest margin | 3.5643% | 3,425 |
| Noninterest income to average assets | 0.2255% | 4,672 |
| Noninterest expense to average assets | 1.1639% | 5,461 |
| Loan and lease loss provision to assets | 0.0466% | 2,970 |
| Net operating income to assets | 2.3232% | 195 |
| Return on assets (ROA) | 2.3232% | 189 |
| Pretax return on assets | 2.4378% | 249 |
| Return on Equity (ROE) | 22.4120% | 143 |
| Retained earnings to average equity (ytd only) | -9.9519% | 5,415 |
| Net charge-offs to loans | -0.0126% | 4,394 |
| Credit loss provision to net charge-offs | -555.5556% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9029% | 5,484 |
| Assets per employee ($millions) | 11.1579% | 229 |
| Cash dividends to net income (ytd only)* | 144.4043% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2850% | 5,424 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,069 |
| Noncurrent loans to loans | 0.0014% | 4,973 |
| Net loans and leases to total assets | 65.6750% | 3,194 |
| Net loans and leases to deposits | 73.4445% | 3,583 |
| Net loans and leases to core deposits | 76.4703% | 3,708 |
| Total domestic deposits to total assets | 89.4212% | 765 |
| Equity capital to assets | 10.4297% | 3,183 |
| Core capital (leverage) ratio | 10.4725% | 3,061 |
| Tier 1 risk-based capital ratio | 12.4799% | 4,195 |
| Total risk-based capital ratio | 12.7007% | 4,709 |
| Memoranda: | ||
| Average total assets | $214,617,330 | 2,772 |
| Average earning assets | $206,098,000 | 2,705 |
| Average equity | $22,247,000 | 2,907 |
| Average total loans | $142,934,670 | 2,764 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,929 |
| Cost of funding earning assets | 0.3755% | 3,771 |
| Net interest margin | 3.5227% | 3,450 |
| Noninterest income to average assets | 0.2464% | 4,525 |
| Noninterest expense to average assets | 1.1689% | 5,529 |
| Loan and lease loss provision to assets | 0.0926% | 1,967 |
| Net operating income to assets | 2.2434% | 228 |
| Return on assets (ROA) | 2.2434% | 228 |
| Pretax return on assets | 2.3564% | 288 |
| Return on Equity (ROE) | 21.7074% | 168 |
| Retained earnings to average equity (ytd only) | -42.8232% | 5,578 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3093% | 5,551 |
| Assets per employee ($millions) | 11.3218% | 226 |
| Cash dividends to net income (ytd only)* | 297.2750% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2711% | 5,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.5244% | 2,962 |
| Net loans and leases to deposits | 74.1203% | 3,406 |
| Net loans and leases to core deposits | 77.7557% | 3,514 |
| Total domestic deposits to total assets | 89.7520% | 760 |
| Equity capital to assets | 9.6948% | 3,888 |
| Core capital (leverage) ratio | 9.9221% | 3,611 |
| Tier 1 risk-based capital ratio | 11.5276% | 4,846 |
| Total risk-based capital ratio | 11.7389% | 5,267 |
| Memoranda: | ||
| Average total assets | $215,926,000 | 2,789 |
| Average earning assets | $206,660,000 | 2,727 |
| Average equity | $22,315,000 | 2,929 |
| Average total loans | $144,587,500 | 2,751 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,220 |
| Cost of funding earning assets | 0.3603% | 3,614 |
| Net interest margin | 3.3883% | 3,891 |
| Noninterest income to average assets | 0.1725% | 5,093 |
| Noninterest expense to average assets | 1.3094% | 5,556 |
| Loan and lease loss provision to assets | 0.0238% | 3,821 |
| Net operating income to assets | 2.0107% | 279 |
| Return on assets (ROA) | 2.0107% | 283 |
| Pretax return on assets | 2.1103% | 384 |
| Return on Equity (ROE) | 18.5960% | 266 |
| Retained earnings to average equity (ytd only) | 3.1287% | 3,423 |
| Net charge-offs to loans | 0.1584% | 1,538 |
| Credit loss provision to net charge-offs | 22.7273% | 3,592 |
| Earnings coverage of net charge-offs (x) | 20.3591% | 1,968 |
| Efficiency ratio | 38.0241% | 5,558 |
| Assets per employee ($millions) | 10.8369% | 249 |
| Cash dividends to net income (ytd only)* | 83.1754% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2327% | 5,573 |
| Loan loss allowance to noncurrent loans | 2,260.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,147 |
| Noncurrent loans to loans | 0.0103% | 4,994 |
| Net loans and leases to total assets | 67.0596% | 2,957 |
| Net loans and leases to deposits | 75.6003% | 3,367 |
| Net loans and leases to core deposits | 79.2233% | 3,484 |
| Total domestic deposits to total assets | 88.7029% | 1,145 |
| Equity capital to assets | 10.9695% | 2,654 |
| Core capital (leverage) ratio | 11.3495% | 2,060 |
| Tier 1 risk-based capital ratio | 12.6166% | 4,136 |
| Total risk-based capital ratio | 12.7978% | 4,714 |
| Memoranda: | ||
| Average total assets | $209,873,200 | 2,825 |
| Average earning assets | $202,609,600 | 2,745 |
| Average equity | $22,693,000 | 2,885 |
| Average total loans | $138,912,200 | 2,799 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 4,267 |
| Cost of funding earning assets | 0.3590% | 3,584 |
| Net interest margin | 3.3604% | 3,981 |
| Noninterest income to average assets | 0.1813% | 5,110 |
| Noninterest expense to average assets | 1.2260% | 5,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1003% | 263 |
| Return on assets (ROA) | 2.1003% | 270 |
| Pretax return on assets | 2.2053% | 357 |
| Return on Equity (ROE) | 19.4978% | 250 |
| Retained earnings to average equity (ytd only) | -1.3736% | 5,381 |
| Net charge-offs to loans | 0.1934% | 1,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 17.3013% | 2,106 |
| Efficiency ratio | 35.7290% | 5,642 |
| Assets per employee ($millions) | 10.6098% | 263 |
| Cash dividends to net income (ytd only)* | 107.0448% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2215% | 5,648 |
| Loan loss allowance to noncurrent loans | 704.5455% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 5,146 |
| Noncurrent loans to loans | 0.0314% | 4,983 |
| Net loans and leases to total assets | 65.8142% | 3,128 |
| Net loans and leases to deposits | 73.9965% | 3,568 |
| Net loans and leases to core deposits | 77.5129% | 3,683 |
| Total domestic deposits to total assets | 88.9423% | 914 |
| Equity capital to assets | 10.9488% | 2,913 |
| Core capital (leverage) ratio | 10.9959% | 2,464 |
| Tier 1 risk-based capital ratio | 12.4977% | 4,313 |
| Total risk-based capital ratio | 12.6687% | 4,890 |
| Memoranda: | ||
| Average total assets | $208,157,250 | 2,863 |
| Average earning assets | $201,321,250 | 2,782 |
| Average equity | $22,422,500 | 2,928 |
| Average total loans | $137,219,750 | 2,838 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6976% | 4,238 |
| Cost of funding earning assets | 0.3611% | 3,471 |
| Net interest margin | 3.3365% | 3,994 |
| Noninterest income to average assets | 0.1818% | 5,144 |
| Noninterest expense to average assets | 1.2611% | 5,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0511% | 277 |
| Return on assets (ROA) | 2.0511% | 286 |
| Pretax return on assets | 2.1556% | 390 |
| Return on Equity (ROE) | 19.1492% | 258 |
| Retained earnings to average equity (ytd only) | -12.5404% | 5,680 |
| Net charge-offs to loans | 0.3140% | 650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.4159% | 2,344 |
| Efficiency ratio | 36.9091% | 5,684 |
| Assets per employee ($millions) | 10.3845% | 268 |
| Cash dividends to net income (ytd only)* | 165.4880% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2210% | 5,697 |
| Loan loss allowance to noncurrent loans | 756.4103% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 5,210 |
| Noncurrent loans to loans | 0.0292% | 5,047 |
| Net loans and leases to total assets | 64.1315% | 3,368 |
| Net loans and leases to deposits | 71.9276% | 3,750 |
| Net loans and leases to core deposits | 75.4692% | 3,821 |
| Total domestic deposits to total assets | 89.1612% | 878 |
| Equity capital to assets | 10.7189% | 3,117 |
| Core capital (leverage) ratio | 10.4922% | 2,925 |
| Tier 1 risk-based capital ratio | 12.3183% | 4,408 |
| Total risk-based capital ratio | 12.4873% | 5,008 |
| Memoranda: | ||
| Average total assets | $206,811,000 | 2,883 |
| Average earning assets | $200,507,000 | 2,802 |
| Average equity | $22,152,330 | 2,958 |
| Average total loans | $136,304,670 | 2,852 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 4,145 |
| Cost of funding earning assets | 0.3592% | 3,430 |
| Net interest margin | 3.3289% | 3,920 |
| Noninterest income to average assets | 0.2035% | 5,051 |
| Noninterest expense to average assets | 1.2172% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1146% | 254 |
| Return on assets (ROA) | 2.1146% | 261 |
| Pretax return on assets | 2.2193% | 346 |
| Return on Equity (ROE) | 19.7488% | 244 |
| Retained earnings to average equity (ytd only) | -43.7878% | 5,817 |
| Net charge-offs to loans | 0.3398% | 541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.7863% | 1,974 |
| Efficiency ratio | 35.4202% | 5,758 |
| Assets per employee ($millions) | 10.3061% | 274 |
| Cash dividends to net income (ytd only)* | 321.7232% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2867% | 5,746 |
| Loan loss allowance to noncurrent loans | 768.6275% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 5,226 |
| Noncurrent loans to loans | 0.0373% | 5,051 |
| Net loans and leases to total assets | 66.1543% | 2,949 |
| Net loans and leases to deposits | 73.9781% | 3,405 |
| Net loans and leases to core deposits | 77.5682% | 3,511 |
| Total domestic deposits to total assets | 89.4242% | 933 |
| Equity capital to assets | 10.1940% | 3,511 |
| Core capital (leverage) ratio | 9.9422% | 3,574 |
| Tier 1 risk-based capital ratio | 11.5456% | 5,002 |
| Total risk-based capital ratio | 11.7667% | 5,458 |
| Memoranda: | ||
| Average total assets | $206,372,000 | 2,924 |
| Average earning assets | $200,426,500 | 2,825 |
| Average equity | $22,097,500 | 2,978 |
| Average total loans | $137,712,500 | 2,851 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 4,211 |
| Cost of funding earning assets | 0.3820% | 3,178 |
| Net interest margin | 3.3166% | 4,096 |
| Noninterest income to average assets | 0.1807% | 5,319 |
| Noninterest expense to average assets | 1.2916% | 5,810 |
| Loan and lease loss provision to assets | 0.0482% | 3,430 |
| Net operating income to assets | 1.9314% | 366 |
| Return on assets (ROA) | 1.9314% | 381 |
| Pretax return on assets | 2.0407% | 454 |
| Return on Equity (ROE) | 17.4241% | 367 |
| Retained earnings to average equity (ytd only) | 0.0391% | 5,293 |
| Net charge-offs to loans | -0.0007% | 4,642 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2072% | 5,810 |
| Assets per employee ($millions) | 10.3312% | 281 |
| Cash dividends to net income (ytd only)* | 99.7755% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3670% | 5,760 |
| Loan loss allowance to noncurrent loans | 241.2322% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 4,911 |
| Noncurrent loans to loans | 0.1522% | 4,631 |
| Net loans and leases to total assets | 66.8686% | 2,952 |
| Net loans and leases to deposits | 76.2847% | 3,290 |
| Net loans and leases to core deposits | 78.8632% | 3,492 |
| Total domestic deposits to total assets | 87.6567% | 1,810 |
| Equity capital to assets | 11.2200% | 2,397 |
| Core capital (leverage) ratio | 11.1699% | 2,194 |
| Tier 1 risk-based capital ratio | 12.6264% | 4,306 |
| Total risk-based capital ratio | 12.9072% | 4,860 |
| Memoranda: | ||
| Average total assets | $207,574,800 | 2,885 |
| Average earning assets | $200,267,600 | 2,786 |
| Average equity | $23,008,400 | 2,890 |
| Average total loans | $134,513,800 | 2,857 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6783% | 4,324 |
| Cost of funding earning assets | 0.3561% | 3,477 |
| Net interest margin | 3.3222% | 4,120 |
| Noninterest income to average assets | 0.1829% | 5,365 |
| Noninterest expense to average assets | 1.1844% | 5,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1031% | 294 |
| Return on assets (ROA) | 2.1031% | 305 |
| Pretax return on assets | 2.2071% | 383 |
| Return on Equity (ROE) | 19.0316% | 292 |
| Retained earnings to average equity (ytd only) | -4.1918% | 5,701 |
| Net charge-offs to loans | -0.0050% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9224% | 5,899 |
| Assets per employee ($millions) | 10.0837% | 291 |
| Cash dividends to net income (ytd only)* | 122.0256% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3094% | 5,851 |
| Loan loss allowance to noncurrent loans | 195.7346% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 5,014 |
| Noncurrent loans to loans | 0.1581% | 4,719 |
| Net loans and leases to total assets | 65.9907% | 3,122 |
| Net loans and leases to deposits | 75.0186% | 3,496 |
| Net loans and leases to core deposits | 77.6990% | 3,691 |
| Total domestic deposits to total assets | 87.9657% | 1,421 |
| Equity capital to assets | 11.6668% | 2,385 |
| Core capital (leverage) ratio | 10.7995% | 2,685 |
| Tier 1 risk-based capital ratio | 12.6247% | 4,391 |
| Total risk-based capital ratio | 12.8599% | 4,937 |
| Memoranda: | ||
| Average total assets | $207,812,750 | 2,891 |
| Average earning assets | $200,702,250 | 2,795 |
| Average equity | $22,964,750 | 2,918 |
| Average total loans | $133,473,500 | 2,874 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 4,358 |
| Cost of funding earning assets | 0.3533% | 3,526 |
| Net interest margin | 3.3271% | 4,131 |
| Noninterest income to average assets | 0.1839% | 5,396 |
| Noninterest expense to average assets | 1.1627% | 5,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1214% | 263 |
| Return on assets (ROA) | 2.1214% | 278 |
| Pretax return on assets | 2.2253% | 362 |
| Return on Equity (ROE) | 19.5463% | 261 |
| Retained earnings to average equity (ytd only) | -15.5773% | 5,940 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3179% | 5,985 |
| Assets per employee ($millions) | 10.3048% | 251 |
| Cash dividends to net income (ytd only)* | 179.6945% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3029% | 5,938 |
| Loan loss allowance to noncurrent loans | 181.3333% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 5,076 |
| Noncurrent loans to loans | 0.1670% | 4,775 |
| Net loans and leases to total assets | 65.1622% | 3,205 |
| Net loans and leases to deposits | 74.8150% | 3,501 |
| Net loans and leases to core deposits | 77.2122% | 3,718 |
| Total domestic deposits to total assets | 87.0977% | 1,864 |
| Equity capital to assets | 11.0949% | 2,951 |
| Core capital (leverage) ratio | 10.1811% | 3,351 |
| Tier 1 risk-based capital ratio | 11.9197% | 4,882 |
| Total risk-based capital ratio | 12.1501% | 5,397 |
| Memoranda: | ||
| Average total assets | $209,859,000 | 2,888 |
| Average earning assets | $202,098,000 | 2,792 |
| Average equity | $22,776,670 | 2,943 |
| Average total loans | $133,465,000 | 2,876 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 4,473 |
| Cost of funding earning assets | 0.3372% | 3,756 |
| Net interest margin | 3.3135% | 4,173 |
| Noninterest income to average assets | 0.1984% | 5,316 |
| Noninterest expense to average assets | 1.1467% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1404% | 254 |
| Return on assets (ROA) | 2.1404% | 268 |
| Pretax return on assets | 2.2443% | 348 |
| Return on Equity (ROE) | 19.9367% | 251 |
| Retained earnings to average equity (ytd only) | -50.4487% | 6,078 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8162% | 6,044 |
| Assets per employee ($millions) | 10.5114% | 242 |
| Cash dividends to net income (ytd only)* | 353.0450% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3071% | 6,004 |
| Loan loss allowance to noncurrent loans | 220.5405% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 5,232 |
| Noncurrent loans to loans | 0.1392% | 4,920 |
| Net loans and leases to total assets | 63.0040% | 3,388 |
| Net loans and leases to deposits | 72.9791% | 3,552 |
| Net loans and leases to core deposits | 74.9044% | 3,800 |
| Total domestic deposits to total assets | 86.3315% | 2,525 |
| Equity capital to assets | 10.1713% | 3,875 |
| Core capital (leverage) ratio | 9.6675% | 3,951 |
| Tier 1 risk-based capital ratio | 11.1882% | 5,401 |
| Total risk-based capital ratio | 11.4162% | 5,801 |
| Memoranda: | ||
| Average total assets | $211,741,000 | 2,874 |
| Average earning assets | $204,012,000 | 2,773 |
| Average equity | $22,732,000 | 2,953 |
| Average total loans | $132,845,500 | 2,889 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,407 |
| Cost of funding earning assets | 0.3702% | 3,485 |
| Net interest margin | 3.3171% | 4,219 |
| Noninterest income to average assets | 0.1974% | 5,404 |
| Noninterest expense to average assets | 1.2927% | 6,079 |
| Loan and lease loss provision to assets | -0.0048% | 5,609 |
| Net operating income to assets | 1.9870% | 350 |
| Return on assets (ROA) | 1.9951% | 356 |
| Pretax return on assets | 2.0924% | 443 |
| Return on Equity (ROE) | 18.4786% | 352 |
| Retained earnings to average equity (ytd only) | 7.3490% | 1,148 |
| Net charge-offs to loans | 0.0073% | 4,190 |
| Credit loss provision to net charge-offs | -111.1111% | 5,165 |
| Earnings coverage of net charge-offs (x) | 484.4444% | 135 |
| Efficiency ratio | 38.3397% | 6,085 |
| Assets per employee ($millions) | 10.6627% | 220 |
| Cash dividends to net income (ytd only)* | 60.2294% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3072% | 6,053 |
| Loan loss allowance to noncurrent loans | 261.5385% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 5,340 |
| Noncurrent loans to loans | 0.1174% | 5,026 |
| Net loans and leases to total assets | 62.0964% | 3,548 |
| Net loans and leases to deposits | 72.4312% | 3,672 |
| Net loans and leases to core deposits | 74.3114% | 3,907 |
| Total domestic deposits to total assets | 85.7316% | 2,759 |
| Equity capital to assets | 11.2922% | 2,548 |
| Core capital (leverage) ratio | 11.0737% | 2,330 |
| Tier 1 risk-based capital ratio | 12.7909% | 4,459 |
| Total risk-based capital ratio | 13.0190% | 5,009 |
| Memoranda: | ||
| Average total assets | $209,710,000 | 2,857 |
| Average earning assets | $200,689,200 | 2,769 |
| Average equity | $22,642,400 | 2,910 |
| Average total loans | $123,918,600 | 2,990 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,474 |
| Cost of funding earning assets | 0.3551% | 3,694 |
| Net interest margin | 3.3256% | 4,237 |
| Noninterest income to average assets | 0.1947% | 5,483 |
| Noninterest expense to average assets | 1.1952% | 6,172 |
| Loan and lease loss provision to assets | -0.0064% | 5,808 |
| Net operating income to assets | 2.0859% | 314 |
| Return on assets (ROA) | 2.0974% | 328 |
| Pretax return on assets | 2.1989% | 412 |
| Return on Equity (ROE) | 19.6560% | 292 |
| Retained earnings to average equity (ytd only) | 4.5774% | 3,219 |
| Net charge-offs to loans | -0.0110% | 5,022 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4076% | 6,189 |
| Assets per employee ($millions) | 10.2488% | 246 |
| Cash dividends to net income (ytd only)* | 76.7124% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3461% | 6,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.9878% | 3,884 |
| Net loans and leases to deposits | 68.7423% | 4,118 |
| Net loans and leases to core deposits | 70.9722% | 4,282 |
| Total domestic deposits to total assets | 87.2648% | 1,911 |
| Equity capital to assets | 11.3385% | 2,659 |
| Core capital (leverage) ratio | 10.6227% | 2,902 |
| Tier 1 risk-based capital ratio | 12.5163% | 4,745 |
| Total risk-based capital ratio | 12.7594% | 5,292 |
| Memoranda: | ||
| Average total assets | $208,824,000 | 2,888 |
| Average earning assets | $199,739,250 | 2,804 |
| Average equity | $22,282,750 | 2,956 |
| Average total loans | $121,690,500 | 3,054 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 4,520 |
| Cost of funding earning assets | 0.3650% | 3,648 |
| Net interest margin | 3.3021% | 4,292 |
| Noninterest income to average assets | 0.2018% | 5,471 |
| Noninterest expense to average assets | 1.1899% | 6,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0768% | 319 |
| Return on assets (ROA) | 2.0942% | 322 |
| Pretax return on assets | 2.1903% | 423 |
| Return on Equity (ROE) | 20.0334% | 263 |
| Retained earnings to average equity (ytd only) | -2.9139% | 5,918 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3907% | 6,264 |
| Assets per employee ($millions) | 10.5748% | 222 |
| Cash dividends to net income (ytd only)* | 114.5455% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3417% | 6,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.8761% | 3,997 |
| Net loans and leases to deposits | 66.0727% | 4,333 |
| Net loans and leases to core deposits | 68.0036% | 4,494 |
| Total domestic deposits to total assets | 89.1080% | 1,091 |
| Equity capital to assets | 10.2797% | 3,709 |
| Core capital (leverage) ratio | 10.0975% | 3,465 |
| Tier 1 risk-based capital ratio | 11.7984% | 5,279 |
| Total risk-based capital ratio | 12.0394% | 5,745 |
| Memoranda: | ||
| Average total assets | $210,107,000 | 2,887 |
| Average earning assets | $201,085,000 | 2,805 |
| Average equity | $21,963,330 | 3,001 |
| Average total loans | $121,125,000 | 3,070 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 4,555 |
| Cost of funding earning assets | 0.3639% | 3,706 |
| Net interest margin | 3.2794% | 4,297 |
| Noninterest income to average assets | 0.2254% | 5,342 |
| Noninterest expense to average assets | 1.1575% | 6,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1064% | 275 |
| Return on assets (ROA) | 2.1412% | 276 |
| Pretax return on assets | 2.2367% | 360 |
| Return on Equity (ROE) | 20.3130% | 258 |
| Retained earnings to average equity (ytd only) | -25.3505% | 6,316 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4710% | 6,337 |
| Assets per employee ($millions) | 10.5337% | 227 |
| Cash dividends to net income (ytd only)* | 224.7993% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3514% | 6,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.4779% | 4,028 |
| Net loans and leases to deposits | 66.6181% | 4,091 |
| Net loans and leases to core deposits | 68.3674% | 4,299 |
| Total domestic deposits to total assets | 86.2797% | 2,779 |
| Equity capital to assets | 10.2096% | 3,876 |
| Core capital (leverage) ratio | 9.6707% | 4,049 |
| Tier 1 risk-based capital ratio | 12.6593% | 4,807 |
| Total risk-based capital ratio | 12.9320% | 5,350 |
| Memoranda: | ||
| Average total assets | $209,413,000 | 2,918 |
| Average earning assets | $200,034,500 | 2,838 |
| Average equity | $22,074,500 | 3,010 |
| Average total loans | $119,214,000 | 3,105 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6003% | 5,078 |
| Cost of funding earning assets | 0.3845% | 3,852 |
| Net interest margin | 3.2159% | 4,867 |
| Noninterest income to average assets | 0.1626% | 5,885 |
| Noninterest expense to average assets | 1.3250% | 6,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8332% | 446 |
| Return on assets (ROA) | 1.8332% | 463 |
| Pretax return on assets | 1.9192% | 611 |
| Return on Equity (ROE) | 17.5096% | 443 |
| Retained earnings to average equity (ytd only) | 2.2653% | 4,625 |
| Net charge-offs to loans | 0.0082% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 428.8889% | 123 |
| Efficiency ratio | 40.8429% | 6,382 |
| Assets per employee ($millions) | 10.4076% | 219 |
| Cash dividends to net income (ytd only)* | 87.0627% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3652% | 6,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.9605% | 4,343 |
| Net loans and leases to deposits | 64.1939% | 4,506 |
| Net loans and leases to core deposits | 65.5991% | 4,698 |
| Total domestic deposits to total assets | 87.1743% | 2,183 |
| Equity capital to assets | 10.8767% | 3,038 |
| Core capital (leverage) ratio | 10.8216% | 2,594 |
| Tier 1 risk-based capital ratio | 13.6692% | 4,313 |
| Total risk-based capital ratio | 13.9442% | 4,836 |
| Memoranda: | ||
| Average total assets | $201,127,200 | 2,975 |
| Average earning assets | $192,732,400 | 2,879 |
| Average equity | $21,057,000 | 3,048 |
| Average total loans | $110,151,600 | 3,212 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 5,202 |
| Cost of funding earning assets | 0.3891% | 3,910 |
| Net interest margin | 3.1880% | 5,005 |
| Noninterest income to average assets | 0.1605% | 5,953 |
| Noninterest expense to average assets | 1.2038% | 6,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9273% | 400 |
| Return on assets (ROA) | 1.9273% | 409 |
| Pretax return on assets | 2.0143% | 547 |
| Return on Equity (ROE) | 18.5980% | 388 |
| Retained earnings to average equity (ytd only) | -2.1166% | 6,085 |
| Net charge-offs to loans | 0.0111% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 334.6583% | 212 |
| Efficiency ratio | 37.4065% | 6,492 |
| Assets per employee ($millions) | 10.0860% | 232 |
| Cash dividends to net income (ytd only)* | 111.3809% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3841% | 6,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 54.9028% | 4,471 |
| Net loans and leases to deposits | 63.0986% | 4,627 |
| Net loans and leases to core deposits | 64.3390% | 4,850 |
| Total domestic deposits to total assets | 87.0112% | 2,316 |
| Equity capital to assets | 10.8373% | 3,143 |
| Core capital (leverage) ratio | 10.5125% | 3,028 |
| Tier 1 risk-based capital ratio | 13.6378% | 4,455 |
| Total risk-based capital ratio | 13.9230% | 4,968 |
| Memoranda: | ||
| Average total assets | $199,371,000 | 3,029 |
| Average earning assets | $191,210,500 | 2,922 |
| Average equity | $20,661,250 | 3,100 |
| Average total loans | $108,462,000 | 3,270 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 5,222 |
| Cost of funding earning assets | 0.3920% | 3,964 |
| Net interest margin | 3.1831% | 4,995 |
| Noninterest income to average assets | 0.1621% | 5,981 |
| Noninterest expense to average assets | 1.2186% | 6,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9145% | 400 |
| Return on assets (ROA) | 1.9145% | 417 |
| Pretax return on assets | 2.0021% | 551 |
| Return on Equity (ROE) | 18.7648% | 385 |
| Retained earnings to average equity (ytd only) | -12.9212% | 6,468 |
| Net charge-offs to loans | 0.0167% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 220.8889% | 306 |
| Efficiency ratio | 37.8361% | 6,554 |
| Assets per employee ($millions) | 10.0890% | 226 |
| Cash dividends to net income (ytd only)* | 168.8585% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4109% | 6,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.2908% | 4,822 |
| Net loans and leases to deposits | 58.2756% | 5,016 |
| Net loans and leases to core deposits | 59.4920% | 5,161 |
| Total domestic deposits to total assets | 88.0141% | 1,891 |
| Equity capital to assets | 10.3157% | 3,666 |
| Core capital (leverage) ratio | 10.0381% | 3,560 |
| Tier 1 risk-based capital ratio | 13.5911% | 4,535 |
| Total risk-based capital ratio | 13.8897% | 5,068 |
| Memoranda: | ||
| Average total assets | $198,588,000 | 3,049 |
| Average earning assets | $190,820,000 | 2,937 |
| Average equity | $20,261,330 | 3,142 |
| Average total loans | $107,557,000 | 3,294 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 5,261 |
| Cost of funding earning assets | 0.3857% | 4,133 |
| Net interest margin | 3.1787% | 4,993 |
| Noninterest income to average assets | 0.1848% | 5,857 |
| Noninterest expense to average assets | 1.1797% | 6,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9595% | 363 |
| Return on assets (ROA) | 1.9595% | 378 |
| Pretax return on assets | 2.0508% | 475 |
| Return on Equity (ROE) | 19.3150% | 339 |
| Retained earnings to average equity (ytd only) | -44.9348% | 6,661 |
| Net charge-offs to loans | 0.0329% | 2,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 112.2222% | 420 |
| Efficiency ratio | 36.5179% | 6,636 |
| Assets per employee ($millions) | 9.9079% | 240 |
| Cash dividends to net income (ytd only)* | 332.6425% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3948% | 6,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.3715% | 4,373 |
| Net loans and leases to deposits | 61.0348% | 4,659 |
| Net loans and leases to core deposits | 62.2255% | 4,857 |
| Total domestic deposits to total assets | 89.0829% | 1,603 |
| Equity capital to assets | 9.6752% | 4,257 |
| Core capital (leverage) ratio | 9.5980% | 4,136 |
| Tier 1 risk-based capital ratio | 12.7062% | 5,184 |
| Total risk-based capital ratio | 12.9995% | 5,722 |
| Memoranda: | ||
| Average total assets | $196,992,500 | 3,089 |
| Average earning assets | $188,757,500 | 2,986 |
| Average equity | $19,984,500 | 3,178 |
| Average total loans | $109,375,000 | 3,276 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 4,948 |
| Cost of funding earning assets | 0.4365% | 4,247 |
| Net interest margin | 3.3223% | 4,582 |
| Noninterest income to average assets | 0.2260% | 5,723 |
| Noninterest expense to average assets | 1.3279% | 6,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.9363% | 375 |
| Return on assets (ROA) | 1.9363% | 378 |
| Pretax return on assets | 2.0346% | 446 |
| Return on Equity (ROE) | 18.3941% | 380 |
| Retained earnings to average equity (ytd only) | 9.9068% | 574 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4907% | 6,696 |
| Assets per employee ($millions) | 9.3251% | 292 |
| Cash dividends to net income (ytd only)* | 46.1412% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3943% | 6,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 56.2463% | 4,280 |
| Net loans and leases to deposits | 63.8302% | 4,522 |
| Net loans and leases to core deposits | 65.0993% | 4,767 |
| Total domestic deposits to total assets | 88.1187% | 2,109 |
| Equity capital to assets | 10.6200% | 3,021 |
| Core capital (leverage) ratio | 11.3136% | 2,106 |
| Tier 1 risk-based capital ratio | 14.1140% | 4,220 |
| Total risk-based capital ratio | 14.4106% | 4,822 |
| Memoranda: | ||
| Average total assets | $188,042,200 | 3,185 |
| Average earning assets | $177,528,600 | 3,106 |
| Average equity | $19,794,400 | 3,174 |
| Average total loans | $104,057,200 | 3,364 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7547% | 5,014 |
| Cost of funding earning assets | 0.4386% | 4,403 |
| Net interest margin | 3.3161% | 4,581 |
| Noninterest income to average assets | 0.2472% | 5,663 |
| Noninterest expense to average assets | 1.2352% | 6,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0448% | 336 |
| Return on assets (ROA) | 2.0448% | 346 |
| Pretax return on assets | 2.1429% | 438 |
| Return on Equity (ROE) | 19.4704% | 338 |
| Retained earnings to average equity (ytd only) | 8.0092% | 1,404 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5642% | 6,794 |
| Assets per employee ($millions) | 9.3783% | 278 |
| Cash dividends to net income (ytd only)* | 58.8646% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4137% | 6,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.9603% | 4,327 |
| Net loans and leases to deposits | 63.2427% | 4,597 |
| Net loans and leases to core deposits | 64.9304% | 4,808 |
| Total domestic deposits to total assets | 88.4851% | 1,843 |
| Equity capital to assets | 10.7349% | 3,030 |
| Core capital (leverage) ratio | 10.9842% | 2,502 |
| Tier 1 risk-based capital ratio | 14.2166% | 4,276 |
| Total risk-based capital ratio | 14.5272% | 4,859 |
| Memoranda: | ||
| Average total assets | $186,095,750 | 3,239 |
| Average earning assets | $175,704,500 | 3,164 |
| Average equity | $19,543,750 | 3,238 |
| Average total loans | $102,426,000 | 3,416 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 5,105 |
| Cost of funding earning assets | 0.4168% | 4,787 |
| Net interest margin | 3.2976% | 4,589 |
| Noninterest income to average assets | 0.2597% | 5,598 |
| Noninterest expense to average assets | 1.2241% | 6,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0430% | 334 |
| Return on assets (ROA) | 2.0430% | 350 |
| Pretax return on assets | 2.1389% | 472 |
| Return on Equity (ROE) | 19.6003% | 338 |
| Retained earnings to average equity (ytd only) | 2.2329% | 4,851 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3986% | 6,841 |
| Assets per employee ($millions) | 9.4551% | 255 |
| Cash dividends to net income (ytd only)* | 88.6076% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4223% | 6,756 |
| Loan loss allowance to noncurrent loans | 14,533.3333% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,589 |
| Noncurrent loans to loans | 0.0029% | 6,451 |
| Net loans and leases to total assets | 54.3688% | 4,535 |
| Net loans and leases to deposits | 60.6031% | 4,906 |
| Net loans and leases to core deposits | 61.8228% | 5,111 |
| Total domestic deposits to total assets | 89.7129% | 1,198 |
| Equity capital to assets | 10.1671% | 3,703 |
| Core capital (leverage) ratio | 10.6500% | 2,718 |
| Tier 1 risk-based capital ratio | 13.8314% | 4,539 |
| Total risk-based capital ratio | 14.1488% | 5,157 |
| Memoranda: | ||
| Average total assets | $185,606,000 | 3,261 |
| Average earning assets | $174,670,000 | 3,194 |
| Average equity | $19,346,670 | 3,288 |
| Average total loans | $101,435,330 | 3,446 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 5,274 |
| Cost of funding earning assets | 0.4175% | 4,930 |
| Net interest margin | 3.2456% | 4,741 |
| Noninterest income to average assets | 0.3350% | 5,020 |
| Noninterest expense to average assets | 1.3402% | 6,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9754% | 355 |
| Return on assets (ROA) | 1.9754% | 385 |
| Pretax return on assets | 2.0733% | 520 |
| Return on Equity (ROE) | 18.7149% | 382 |
| Retained earnings to average equity (ytd only) | -15.9118% | 6,767 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2607% | 6,886 |
| Assets per employee ($millions) | 8.3518% | 423 |
| Cash dividends to net income (ytd only)* | 185.0220% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4469% | 6,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.8652% | 4,576 |
| Net loans and leases to deposits | 59.4241% | 4,859 |
| Net loans and leases to core deposits | 60.7752% | 5,069 |
| Total domestic deposits to total assets | 88.9626% | 1,704 |
| Equity capital to assets | 10.9019% | 3,075 |
| Core capital (leverage) ratio | 10.1865% | 3,161 |
| Tier 1 risk-based capital ratio | 13.8501% | 4,614 |
| Total risk-based capital ratio | 14.1854% | 5,222 |
| Memoranda: | ||
| Average total assets | $183,858,500 | 3,304 |
| Average earning assets | $174,387,500 | 3,217 |
| Average equity | $19,407,000 | 3,326 |
| Average total loans | $100,529,000 | 3,489 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 5,095 |
| Cost of funding earning assets | 0.5039% | 5,194 |
| Net interest margin | 3.5586% | 4,272 |
| Noninterest income to average assets | 0.2135% | 5,898 |
| Noninterest expense to average assets | 1.3874% | 6,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0864% | 306 |
| Return on assets (ROA) | 2.0864% | 340 |
| Pretax return on assets | 2.2296% | 384 |
| Return on Equity (ROE) | 20.0493% | 301 |
| Retained earnings to average equity (ytd only) | 7.5080% | 1,333 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3579% | 6,962 |
| Assets per employee ($millions) | 8.3626% | 431 |
| Cash dividends to net income (ytd only)* | 62.5521% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4213% | 6,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 56.0132% | 4,288 |
| Net loans and leases to deposits | 62.4720% | 4,727 |
| Net loans and leases to core deposits | 63.7375% | 4,987 |
| Total domestic deposits to total assets | 89.6613% | 1,146 |
| Equity capital to assets | 10.2094% | 3,874 |
| Core capital (leverage) ratio | 11.0691% | 2,198 |
| Tier 1 risk-based capital ratio | 13.8930% | 4,456 |
| Total risk-based capital ratio | 14.2154% | 5,071 |
| Memoranda: | ||
| Average total assets | $172,405,000 | 3,410 |
| Average earning assets | $164,897,600 | 3,307 |
| Average equity | $17,940,800 | 3,476 |
| Average total loans | $98,455,400 | 3,562 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 5,093 |
| Cost of funding earning assets | 0.5247% | 5,276 |
| Net interest margin | 3.6006% | 4,234 |
| Noninterest income to average assets | 0.2179% | 5,983 |
| Noninterest expense to average assets | 1.3080% | 7,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.2598% | 258 |
| Return on assets (ROA) | 2.2598% | 283 |
| Pretax return on assets | 2.3699% | 360 |
| Return on Equity (ROE) | 21.6047% | 258 |
| Retained earnings to average equity (ytd only) | 4.6849% | 3,601 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5646% | 7,076 |
| Assets per employee ($millions) | 7.8447% | 508 |
| Cash dividends to net income (ytd only)* | 78.3155% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4395% | 6,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 57.2333% | 4,255 |
| Net loans and leases to deposits | 63.9855% | 4,711 |
| Net loans and leases to core deposits | 65.3710% | 5,019 |
| Total domestic deposits to total assets | 89.4474% | 1,160 |
| Equity capital to assets | 10.4640% | 3,886 |
| Core capital (leverage) ratio | 10.8166% | 2,579 |
| Tier 1 risk-based capital ratio | 13.6863% | 4,762 |
| Total risk-based capital ratio | 14.0168% | 5,388 |
| Memoranda: | ||
| Average total assets | $169,511,750 | 3,497 |
| Average earning assets | $162,895,500 | 3,371 |
| Average equity | $17,730,250 | 3,544 |
| Average total loans | $97,197,250 | 3,630 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 5,170 |
| Cost of funding earning assets | 0.5437% | 5,342 |
| Net interest margin | 3.5943% | 4,283 |
| Noninterest income to average assets | 0.2255% | 5,955 |
| Noninterest expense to average assets | 1.3473% | 7,078 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.2281% | 272 |
| Return on assets (ROA) | 2.2281% | 311 |
| Pretax return on assets | 2.3313% | 392 |
| Return on Equity (ROE) | 21.3045% | 276 |
| Retained earnings to average equity (ytd only) | -4.2337% | 6,570 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6247% | 7,116 |
| Assets per employee ($millions) | 7.6698% | 546 |
| Cash dividends to net income (ytd only)* | 119.8721% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4443% | 7,053 |
| Loan loss allowance to noncurrent loans | 104.5564% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 6,150 |
| Noncurrent loans to loans | 0.4250% | 5,685 |
| Net loans and leases to total assets | 57.8964% | 4,178 |
| Net loans and leases to deposits | 64.4942% | 4,694 |
| Net loans and leases to core deposits | 65.8014% | 5,028 |
| Total domestic deposits to total assets | 89.7698% | 1,061 |
| Equity capital to assets | 10.1128% | 4,173 |
| Core capital (leverage) ratio | 10.2886% | 3,061 |
| Tier 1 risk-based capital ratio | 13.1818% | 5,052 |
| Total risk-based capital ratio | 13.5186% | 5,722 |
| Memoranda: | ||
| Average total assets | $168,488,000 | 3,525 |
| Average earning assets | $161,865,330 | 3,386 |
| Average equity | $17,620,670 | 3,552 |
| Average total loans | $96,526,000 | 3,655 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 5,346 |
| Cost of funding earning assets | 0.5578% | 5,445 |
| Net interest margin | 3.5749% | 4,375 |
| Noninterest income to average assets | 0.2518% | 5,842 |
| Noninterest expense to average assets | 1.4706% | 7,075 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1002% | 352 |
| Return on assets (ROA) | 2.1002% | 405 |
| Pretax return on assets | 2.2071% | 531 |
| Return on Equity (ROE) | 19.7553% | 401 |
| Retained earnings to average equity (ytd only) | -30.5268% | 7,135 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9871% | 7,108 |
| Assets per employee ($millions) | 7.7443% | 544 |
| Cash dividends to net income (ytd only)* | 254.5249% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4651% | 7,093 |
| Loan loss allowance to noncurrent loans | 188.7446% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 6,552 |
| Noncurrent loans to loans | 0.2464% | 6,197 |
| Net loans and leases to total assets | 54.7613% | 4,591 |
| Net loans and leases to deposits | 60.5507% | 5,090 |
| Net loans and leases to core deposits | 61.6535% | 5,364 |
| Total domestic deposits to total assets | 90.4387% | 840 |
| Equity capital to assets | 9.4328% | 4,896 |
| Core capital (leverage) ratio | 9.9185% | 3,473 |
| Tier 1 risk-based capital ratio | 13.0045% | 5,216 |
| Total risk-based capital ratio | 13.3573% | 5,868 |
| Memoranda: | ||
| Average total assets | $168,364,000 | 3,546 |
| Average earning assets | $161,345,500 | 3,416 |
| Average equity | $17,899,000 | 3,519 |
| Average total loans | $95,725,000 | 3,694 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 5,395 |
| Cost of funding earning assets | 0.7307% | 5,336 |
| Net interest margin | 3.6759% | 4,409 |
| Noninterest income to average assets | 0.2376% | 5,837 |
| Noninterest expense to average assets | 1.4546% | 7,193 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.1756% | 234 |
| Return on assets (ROA) | 2.1756% | 249 |
| Pretax return on assets | 2.3022% | 298 |
| Return on Equity (ROE) | 19.5390% | 281 |
| Retained earnings to average equity (ytd only) | 9.3507% | 712 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7183% | 7,226 |
| Assets per employee ($millions) | 7.9216% | 484 |
| Cash dividends to net income (ytd only)* | 52.1437% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4462% | 7,137 |
| Loan loss allowance to noncurrent loans | 188.7446% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 6,609 |
| Noncurrent loans to loans | 0.2364% | 6,266 |
| Net loans and leases to total assets | 58.4771% | 4,286 |
| Net loans and leases to deposits | 66.4506% | 4,674 |
| Net loans and leases to core deposits | 67.6775% | 5,070 |
| Total domestic deposits to total assets | 88.0009% | 2,153 |
| Equity capital to assets | 11.8584% | 2,228 |
| Core capital (leverage) ratio | 11.1243% | 2,175 |
| Tier 1 risk-based capital ratio | 13.9940% | 4,329 |
| Total risk-based capital ratio | 14.3440% | 4,970 |
| Memoranda: | ||
| Average total assets | $158,671,000 | 3,647 |
| Average earning assets | $151,909,600 | 3,553 |
| Average equity | $17,667,200 | 3,477 |
| Average total loans | $94,198,200 | 3,762 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 5,515 |
| Cost of funding earning assets | 0.7656% | 5,364 |
| Net interest margin | 3.6610% | 4,523 |
| Noninterest income to average assets | 0.2450% | 5,870 |
| Noninterest expense to average assets | 1.3626% | 7,293 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.2558% | 231 |
| Return on assets (ROA) | 2.2558% | 250 |
| Pretax return on assets | 2.3884% | 306 |
| Return on Equity (ROE) | 20.6148% | 276 |
| Retained earnings to average equity (ytd only) | 6.6229% | 2,185 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3265% | 7,312 |
| Assets per employee ($millions) | 7.9996% | 465 |
| Cash dividends to net income (ytd only)* | 67.8733% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4531% | 7,191 |
| Loan loss allowance to noncurrent loans | 146.8013% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 6,589 |
| Noncurrent loans to loans | 0.3086% | 6,231 |
| Net loans and leases to total assets | 59.8749% | 4,150 |
| Net loans and leases to deposits | 67.9445% | 4,622 |
| Net loans and leases to core deposits | 69.0793% | 5,055 |
| Total domestic deposits to total assets | 88.1232% | 1,976 |
| Equity capital to assets | 11.7562% | 2,445 |
| Core capital (leverage) ratio | 10.7064% | 2,656 |
| Tier 1 risk-based capital ratio | 13.5673% | 4,690 |
| Total risk-based capital ratio | 13.9229% | 5,328 |
| Memoranda: | ||
| Average total assets | $156,750,250 | 3,711 |
| Average earning assets | $150,119,000 | 3,601 |
| Average equity | $17,152,250 | 3,559 |
| Average total loans | $93,319,000 | 3,810 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 5,815 |
| Cost of funding earning assets | 0.7875% | 5,459 |
| Net interest margin | 3.5753% | 4,809 |
| Noninterest income to average assets | 0.2595% | 5,794 |
| Noninterest expense to average assets | 1.3657% | 7,370 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1841% | 267 |
| Return on assets (ROA) | 2.1841% | 277 |
| Pretax return on assets | 2.3293% | 332 |
| Return on Equity (ROE) | 20.4819% | 285 |
| Retained earnings to average equity (ytd only) | -1.2048% | 6,092 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9611% | 7,375 |
| Assets per employee ($millions) | 7.8808% | 480 |
| Cash dividends to net income (ytd only)* | 105.8824% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4848% | 7,239 |
| Loan loss allowance to noncurrent loans | 170.3125% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 6,684 |
| Noncurrent loans to loans | 0.2846% | 6,350 |
| Net loans and leases to total assets | 56.7884% | 4,853 |
| Net loans and leases to deposits | 63.9413% | 5,282 |
| Net loans and leases to core deposits | 65.4492% | 5,568 |
| Total domestic deposits to total assets | 88.8132% | 1,660 |
| Equity capital to assets | 11.0053% | 2,944 |
| Core capital (leverage) ratio | 10.1206% | 3,115 |
| Tier 1 risk-based capital ratio | 13.5010% | 4,523 |
| Total risk-based capital ratio | 13.8763% | 5,207 |
| Memoranda: | ||
| Average total assets | $155,669,670 | 3,754 |
| Average earning assets | $149,582,000 | 3,631 |
| Average equity | $16,600,000 | 3,636 |
| Average total loans | $92,348,330 | 3,881 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 5,884 |
| Cost of funding earning assets | 0.8117% | 5,517 |
| Net interest margin | 3.5290% | 4,885 |
| Noninterest income to average assets | 0.2896% | 5,596 |
| Noninterest expense to average assets | 1.4557% | 7,390 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1280% | 289 |
| Return on assets (ROA) | 2.1280% | 298 |
| Pretax return on assets | 2.2289% | 380 |
| Return on Equity (ROE) | 20.2872% | 319 |
| Retained earnings to average equity (ytd only) | -24.0833% | 7,226 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5088% | 7,400 |
| Assets per employee ($millions) | 7.7552% | 525 |
| Cash dividends to net income (ytd only)* | 218.7120% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4758% | 7,300 |
| Loan loss allowance to noncurrent loans | 170.3125% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 6,750 |
| Noncurrent loans to loans | 0.2794% | 6,431 |
| Net loans and leases to total assets | 58.7986% | 4,501 |
| Net loans and leases to deposits | 65.6765% | 5,022 |
| Net loans and leases to core deposits | 67.7999% | 5,315 |
| Total domestic deposits to total assets | 89.5277% | 1,468 |
| Equity capital to assets | 10.3034% | 3,406 |
| Core capital (leverage) ratio | 9.6360% | 3,617 |
| Tier 1 risk-based capital ratio | 12.7447% | 5,021 |
| Total risk-based capital ratio | 13.1199% | 5,807 |
| Memoranda: | ||
| Average total assets | $154,697,000 | 3,798 |
| Average earning assets | $148,823,000 | 3,664 |
| Average equity | $16,227,000 | 3,689 |
| Average total loans | $93,551,000 | 3,891 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 5,212 |
| Cost of funding earning assets | 0.9065% | 6,150 |
| Net interest margin | 3.9490% | 3,261 |
| Noninterest income to average assets | 0.2829% | 5,753 |
| Noninterest expense to average assets | 1.6733% | 7,363 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.2608% | 166 |
| Return on assets (ROA) | 2.2608% | 173 |
| Pretax return on assets | 2.3741% | 222 |
| Return on Equity (ROE) | 20.7348% | 213 |
| Retained earnings to average equity (ytd only) | 7.9190% | 1,005 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3432% | 7,483 |
| Assets per employee ($millions) | 7.3471% | 634 |
| Cash dividends to net income (ytd only)* | 61.8081% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4567% | 7,390 |
| Loan loss allowance to noncurrent loans | 164.5283% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 6,802 |
| Noncurrent loans to loans | 0.2776% | 6,505 |
| Net loans and leases to total assets | 61.5925% | 4,376 |
| Net loans and leases to deposits | 69.1124% | 4,946 |
| Net loans and leases to core deposits | 71.2526% | 5,302 |
| Total domestic deposits to total assets | 89.1192% | 1,587 |
| Equity capital to assets | 10.6766% | 2,986 |
| Core capital (leverage) ratio | 11.1467% | 2,051 |
| Tier 1 risk-based capital ratio | 13.3124% | 4,363 |
| Total risk-based capital ratio | 13.6801% | 5,066 |
| Memoranda: | ||
| Average total assets | $143,843,400 | 3,986 |
| Average earning assets | $137,123,600 | 3,872 |
| Average equity | $15,683,800 | 3,820 |
| Average total loans | $93,821,800 | 3,959 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 5,102 |
| Cost of funding earning assets | 0.9191% | 6,315 |
| Net interest margin | 4.0160% | 3,024 |
| Noninterest income to average assets | 0.2964% | 5,766 |
| Noninterest expense to average assets | 1.5237% | 7,539 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.4640% | 141 |
| Return on assets (ROA) | 2.4640% | 148 |
| Pretax return on assets | 2.5924% | 200 |
| Return on Equity (ROE) | 22.4706% | 183 |
| Retained earnings to average equity (ytd only) | 5.1657% | 2,864 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0183% | 7,626 |
| Assets per employee ($millions) | 6.9152% | 796 |
| Cash dividends to net income (ytd only)* | 77.0115% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4592% | 7,491 |
| Loan loss allowance to noncurrent loans | 157.9710% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 6,890 |
| Noncurrent loans to loans | 0.2907% | 6,607 |
| Net loans and leases to total assets | 65.0851% | 3,893 |
| Net loans and leases to deposits | 73.7565% | 4,557 |
| Net loans and leases to core deposits | 73.7565% | 5,325 |
| Total domestic deposits to total assets | 88.2433% | 1,833 |
| Equity capital to assets | 11.5949% | 2,458 |
| Core capital (leverage) ratio | 10.8958% | 2,339 |
| Tier 1 risk-based capital ratio | 13.1090% | 4,495 |
| Total risk-based capital ratio | 13.4865% | 5,201 |
| Memoranda: | ||
| Average total assets | $141,231,750 | 4,089 |
| Average earning assets | $134,325,500 | 3,983 |
| Average equity | $15,486,500 | 3,908 |
| Average total loans | $93,410,500 | 4,040 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 5,152 |
| Cost of funding earning assets | 0.9247% | 6,483 |
| Net interest margin | 4.0316% | 2,869 |
| Noninterest income to average assets | 0.2716% | 5,978 |
| Noninterest expense to average assets | 1.5268% | 7,604 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.4345% | 151 |
| Return on assets (ROA) | 2.4345% | 157 |
| Pretax return on assets | 2.5718% | 211 |
| Return on Equity (ROE) | 22.6523% | 188 |
| Retained earnings to average equity (ytd only) | -4.0835% | 6,451 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2515% | 7,683 |
| Assets per employee ($millions) | 6.5920% | 922 |
| Cash dividends to net income (ytd only)* | 118.0270% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4639% | 7,545 |
| Loan loss allowance to noncurrent loans | 154.0636% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 6,889 |
| Noncurrent loans to loans | 0.3011% | 6,624 |
| Net loans and leases to total assets | 67.5805% | 3,477 |
| Net loans and leases to deposits | 76.2379% | 4,287 |
| Net loans and leases to core deposits | 78.2929% | 4,892 |
| Total domestic deposits to total assets | 88.6442% | 1,646 |
| Equity capital to assets | 11.1282% | 2,745 |
| Core capital (leverage) ratio | 10.3596% | 2,761 |
| Tier 1 risk-based capital ratio | 12.6371% | 4,744 |
| Total risk-based capital ratio | 13.0242% | 5,482 |
| Memoranda: | ||
| Average total assets | $139,902,670 | 4,140 |
| Average earning assets | $132,800,670 | 4,043 |
| Average equity | $15,036,000 | 3,987 |
| Average total loans | $92,896,670 | 4,082 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 5,576 |
| Cost of funding earning assets | 0.9195% | 6,697 |
| Net interest margin | 3.9573% | 3,067 |
| Noninterest income to average assets | 0.3015% | 5,740 |
| Noninterest expense to average assets | 1.6439% | 7,624 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.2668% | 227 |
| Return on assets (ROA) | 2.2668% | 252 |
| Pretax return on assets | 2.4033% | 288 |
| Return on Equity (ROE) | 21.4658% | 303 |
| Retained earnings to average equity (ytd only) | -32.6701% | 7,581 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6184% | 7,715 |
| Assets per employee ($millions) | 6.5710% | 960 |
| Cash dividends to net income (ytd only)* | 252.1957% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4712% | 7,615 |
| Loan loss allowance to noncurrent loans | 138.8535% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 6,890 |
| Noncurrent loans to loans | 0.3393% | 6,621 |
| Net loans and leases to total assets | 66.7428% | 3,692 |
| Net loans and leases to deposits | 74.6182% | 4,655 |
| Net loans and leases to core deposits | 74.6182% | 5,433 |
| Total domestic deposits to total assets | 89.4457% | 1,269 |
| Equity capital to assets | 10.3579% | 3,397 |
| Core capital (leverage) ratio | 9.7135% | 3,497 |
| Tier 1 risk-based capital ratio | 12.0587% | 5,142 |
| Total risk-based capital ratio | 12.4532% | 5,911 |
| Memoranda: | ||
| Average total assets | $140,638,000 | 4,182 |
| Average earning assets | $133,120,000 | 4,099 |
| Average equity | $14,851,500 | 4,046 |
| Average total loans | $92,350,500 | 4,157 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 5,707 |
| Cost of funding earning assets | 1.2315% | 6,543 |
| Net interest margin | 3.9560% | 3,050 |
| Noninterest income to average assets | 0.2751% | 6,140 |
| Noninterest expense to average assets | 1.7171% | 7,685 |
| Loan and lease loss provision to assets | 0.0741% | 6,843 |
| Net operating income to assets | 2.2071% | 143 |
| Return on assets (ROA) | 2.2071% | 156 |
| Pretax return on assets | 2.2776% | 236 |
| Return on Equity (ROE) | 21.2067% | 191 |
| Retained earnings to average equity (ytd only) | 4.7514% | 1,945 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2012% | 7,820 |
| Assets per employee ($millions) | 6.8231% | 854 |
| Cash dividends to net income (ytd only)* | 77.5949% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4731% | 7,691 |
| Loan loss allowance to noncurrent loans | 164.5283% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 6,987 |
| Noncurrent loans to loans | 0.2875% | 6,707 |
| Net loans and leases to total assets | 64.0193% | 4,592 |
| Net loans and leases to deposits | 71.9163% | 5,342 |
| Net loans and leases to core deposits | 81.3786% | 5,969 |
| Total domestic deposits to total assets | 89.0191% | 1,475 |
| Equity capital to assets | 10.7548% | 2,917 |
| Core capital (leverage) ratio | 10.5375% | 2,568 |
| Tier 1 risk-based capital ratio | 12.9943% | 4,148 |
| Total risk-based capital ratio | 13.3838% | 4,792 |
| Memoranda: | ||
| Average total assets | $134,880,600 | 4,242 |
| Average earning assets | $129,349,200 | 4,101 |
| Average equity | $14,038,000 | 4,242 |
| Average total loans | $90,069,800 | 4,207 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 5,627 |
| Cost of funding earning assets | 1.3141% | 6,513 |
| Net interest margin | 3.9475% | 3,051 |
| Noninterest income to average assets | 0.2902% | 6,160 |
| Noninterest expense to average assets | 1.6157% | 7,821 |
| Loan and lease loss provision to assets | 0.1004% | 6,362 |
| Net operating income to assets | 2.3166% | 149 |
| Return on assets (ROA) | 2.3166% | 161 |
| Pretax return on assets | 2.3838% | 241 |
| Return on Equity (ROE) | 22.4602% | 190 |
| Retained earnings to average equity (ytd only) | -0.0292% | 5,211 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4073% | 7,937 |
| Assets per employee ($millions) | 6.4429% | 1,007 |
| Cash dividends to net income (ytd only)* | 100.1300% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4678% | 7,748 |
| Loan loss allowance to noncurrent loans | 158.5455% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 7,016 |
| Noncurrent loans to loans | 0.2950% | 6,773 |
| Net loans and leases to total assets | 68.5679% | 3,833 |
| Net loans and leases to deposits | 77.2548% | 4,852 |
| Net loans and leases to core deposits | 88.4842% | 5,599 |
| Total domestic deposits to total assets | 88.7554% | 1,311 |
| Equity capital to assets | 11.0687% | 2,957 |
| Core capital (leverage) ratio | 10.2691% | 3,002 |
| Tier 1 risk-based capital ratio | 12.3087% | 4,700 |
| Total risk-based capital ratio | 12.6955% | 5,430 |
| Memoranda: | ||
| Average total assets | $132,779,500 | 4,303 |
| Average earning assets | $128,146,750 | 4,145 |
| Average equity | $13,695,000 | 4,363 |
| Average total loans | $89,545,750 | 4,262 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 5,774 |
| Cost of funding earning assets | 1.3859% | 6,529 |
| Net interest margin | 3.8885% | 3,162 |
| Noninterest income to average assets | 0.3244% | 5,919 |
| Noninterest expense to average assets | 1.6250% | 7,896 |
| Loan and lease loss provision to assets | 0.0758% | 6,430 |
| Net operating income to assets | 2.3132% | 158 |
| Return on assets (ROA) | 2.3132% | 174 |
| Pretax return on assets | 2.3662% | 270 |
| Return on Equity (ROE) | 23.0027% | 196 |
| Retained earnings to average equity (ytd only) | -11.8179% | 7,042 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9553% | 8,019 |
| Assets per employee ($millions) | 6.3470% | 1,033 |
| Cash dividends to net income (ytd only)* | 151.3761% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4229% | 7,879 |
| Loan loss allowance to noncurrent loans | 47.1306% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 5,883 |
| Noncurrent loans to loans | 0.8972% | 5,420 |
| Net loans and leases to total assets | 68.1942% | 4,127 |
| Net loans and leases to deposits | 76.1224% | 5,157 |
| Net loans and leases to core deposits | 85.5763% | 5,954 |
| Total domestic deposits to total assets | 89.5849% | 1,009 |
| Equity capital to assets | 10.0662% | 3,852 |
| Core capital (leverage) ratio | 10.0257% | 3,270 |
| Tier 1 risk-based capital ratio | 12.3027% | 4,674 |
| Total risk-based capital ratio | 12.6654% | 5,391 |
| Memoranda: | ||
| Average total assets | $131,939,000 | 4,355 |
| Average earning assets | $126,991,000 | 4,201 |
| Average equity | $13,268,000 | 4,473 |
| Average total loans | $88,324,670 | 4,324 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 5,763 |
| Cost of funding earning assets | 1.4212% | 6,659 |
| Net interest margin | 3.9075% | 3,016 |
| Noninterest income to average assets | 0.3108% | 5,953 |
| Noninterest expense to average assets | 1.5511% | 7,944 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5018% | 136 |
| Return on assets (ROA) | 2.5018% | 166 |
| Pretax return on assets | 2.5384% | 239 |
| Return on Equity (ROE) | 24.8910% | 191 |
| Retained earnings to average equity (ytd only) | -45.1434% | 8,007 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9285% | 8,085 |
| Assets per employee ($millions) | 6.2639% | 1,060 |
| Cash dividends to net income (ytd only)* | 281.3642% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3870% | 7,961 |
| Loan loss allowance to noncurrent loans | 110.1639% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 6,626 |
| Noncurrent loans to loans | 0.3513% | 6,554 |
| Net loans and leases to total assets | 65.7483% | 4,643 |
| Net loans and leases to deposits | 72.9396% | 5,623 |
| Net loans and leases to core deposits | 81.3106% | 6,284 |
| Total domestic deposits to total assets | 90.1407% | 732 |
| Equity capital to assets | 9.5978% | 4,530 |
| Core capital (leverage) ratio | 9.6103% | 3,860 |
| Tier 1 risk-based capital ratio | 12.1547% | 4,824 |
| Total risk-based capital ratio | 12.4844% | 5,575 |
| Memoranda: | ||
| Average total assets | $131,265,000 | 4,387 |
| Average earning assets | $126,936,500 | 4,224 |
| Average equity | $13,193,500 | 4,537 |
| Average total loans | $86,847,000 | 4,399 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0240% | 5,433 |
| Cost of funding earning assets | 1.9280% | 6,644 |
| Net interest margin | 4.0960% | 2,727 |
| Noninterest income to average assets | 0.3150% | 6,200 |
| Noninterest expense to average assets | 1.6254% | 7,940 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.4817% | 131 |
| Return on assets (ROA) | 2.4833% | 132 |
| Pretax return on assets | 2.6078% | 156 |
| Return on Equity (ROE) | 23.7658% | 182 |
| Retained earnings to average equity (ytd only) | 9.7447% | 483 |
| Net charge-offs to loans | -0.0196% | 7,924 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4112% | 8,153 |
| Assets per employee ($millions) | 6.5495% | 867 |
| Cash dividends to net income (ytd only)* | 58.9971% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3868% | 7,999 |
| Loan loss allowance to noncurrent loans | 111.6279% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 6,407 |
| Noncurrent loans to loans | 0.3465% | 6,335 |
| Net loans and leases to total assets | 66.0636% | 4,836 |
| Net loans and leases to deposits | 74.0967% | 5,832 |
| Net loans and leases to core deposits | 81.7820% | 6,479 |
| Total domestic deposits to total assets | 89.1586% | 978 |
| Equity capital to assets | 10.5062% | 3,496 |
| Core capital (leverage) ratio | 11.4961% | 2,256 |
| Tier 1 risk-based capital ratio | 13.6959% | 3,699 |
| Total risk-based capital ratio | 14.0275% | 4,160 |
| Memoranda: | ||
| Average total assets | $122,861,600 | 4,451 |
| Average earning assets | $117,479,600 | 4,322 |
| Average equity | $12,837,800 | 4,615 |
| Average total loans | $81,668,000 | 4,465 |