Home > Waukesha State Bank > Performance and Condition Ratios
Waukesha State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 2,154 |
| Cost of funding earning assets | 1.1290% | 2,991 |
| Net interest margin | 3.8310% | 1,510 |
| Noninterest income to average assets | 1.2800% | 464 |
| Noninterest expense to average assets | 2.9075% | 1,260 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.6955% | 739 |
| Return on assets (ROA) | 1.3546% | 1,284 |
| Pretax return on assets | 1.4749% | 1,481 |
| Return on Equity (ROE) | 14.8300% | 1,317 |
| Retained earnings to average equity (ytd only) | 9.3419% | 1,174 |
| Net charge-offs to loans | 0.0613% | 1,239 |
| Credit loss provision to net charge-offs | 148.2315% | 1,483 |
| Earnings coverage of net charge-offs (x) | 46.0434% | 1,342 |
| Efficiency ratio | 60.3069% | 3,045 |
| Assets per employee ($millions) | 4.9183% | 3,697 |
| Cash dividends to net income (ytd only)* | 36.9870% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 3,785 |
| Loan loss allowance to noncurrent loans | 209.0532% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 1,781 |
| Noncurrent loans to loans | 0.4199% | 1,730 |
| Net loans and leases to total assets | 68.9800% | 1,920 |
| Net loans and leases to deposits | 84.2420% | 1,758 |
| Net loans and leases to core deposits | 86.3716% | 2,285 |
| Total domestic deposits to total assets | 81.8900% | 3,147 |
| Equity capital to assets | 10.0791% | 1,959 |
| Core capital (leverage) ratio | 11.5283% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,496,529,000 | 717 |
| Average earning assets | $1,385,217,000 | 710 |
| Average equity | $136,738,200 | 722 |
| Average total loans | $1,015,365,400 | 714 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 2,085 |
| Cost of funding earning assets | 1.1078% | 2,718 |
| Net interest margin | 3.7814% | 1,638 |
| Noninterest income to average assets | 1.2200% | 488 |
| Noninterest expense to average assets | 2.7402% | 1,569 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.7441% | 739 |
| Return on assets (ROA) | 1.3808% | 1,348 |
| Pretax return on assets | 1.5410% | 1,484 |
| Return on Equity (ROE) | 15.5000% | 1,346 |
| Retained earnings to average equity (ytd only) | 9.0208% | 1,683 |
| Net charge-offs to loans | 0.0605% | 1,059 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 48.6187% | 1,329 |
| Efficiency ratio | 57.9855% | 3,205 |
| Assets per employee ($millions) | 4.6820% | 3,831 |
| Cash dividends to net income (ytd only)* | 41.8041% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,577 |
| Loan loss allowance to noncurrent loans | 280.7295% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 2,064 |
| Noncurrent loans to loans | 0.3366% | 2,024 |
| Net loans and leases to total assets | 69.6900% | 1,866 |
| Net loans and leases to deposits | 84.6740% | 1,678 |
| Net loans and leases to core deposits | 86.4323% | 2,164 |
| Total domestic deposits to total assets | 82.3100% | 3,159 |
| Equity capital to assets | 9.1763% | 2,305 |
| Core capital (leverage) ratio | 11.0086% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,498,578,000 | 723 |
| Average earning assets | $1,390,524,250 | 708 |
| Average equity | $133,495,750 | 735 |
| Average total loans | $1,010,779,000 | 720 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 1,984 |
| Cost of funding earning assets | 1.0048% | 2,590 |
| Net interest margin | 3.7992% | 1,628 |
| Noninterest income to average assets | 1.1900% | 446 |
| Noninterest expense to average assets | 2.7145% | 1,607 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.6642% | 846 |
| Return on assets (ROA) | 1.2687% | 1,638 |
| Pretax return on assets | 1.5074% | 1,589 |
| Return on Equity (ROE) | 14.3800% | 1,601 |
| Retained earnings to average equity (ytd only) | 7.4061% | 2,161 |
| Net charge-offs to loans | 0.0301% | 1,285 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 99.7881% | 936 |
| Efficiency ratio | 57.5979% | 3,243 |
| Assets per employee ($millions) | 4.8971% | 3,678 |
| Cash dividends to net income (ytd only)* | 48.5051% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 3,592 |
| Loan loss allowance to noncurrent loans | 357.7965% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 2,284 |
| Noncurrent loans to loans | 0.2670% | 2,205 |
| Net loans and leases to total assets | 67.6300% | 1,998 |
| Net loans and leases to deposits | 87.6610% | 1,372 |
| Net loans and leases to core deposits | 89.3409% | 1,843 |
| Total domestic deposits to total assets | 77.1500% | 3,936 |
| Equity capital to assets | 9.0289% | 2,499 |
| Core capital (leverage) ratio | 10.6308% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,508,054,333 | 706 |
| Average earning assets | $1,399,921,000 | 695 |
| Average equity | $133,026,000 | 733 |
| Average total loans | $1,002,912,000 | 711 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,932 |
| Cost of funding earning assets | 0.8684% | 2,477 |
| Net interest margin | 3.7989% | 1,691 |
| Noninterest income to average assets | 1.1000% | 501 |
| Noninterest expense to average assets | 2.8738% | 1,287 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0720% | 2,315 |
| Return on assets (ROA) | 0.3302% | 4,164 |
| Pretax return on assets | 0.8062% | 3,451 |
| Return on Equity (ROE) | 3.7900% | 4,075 |
| Retained earnings to average equity (ytd only) | -0.9402% | 4,119 |
| Net charge-offs to loans | 0.0181% | 1,324 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 147.6667% | 614 |
| Efficiency ratio | 62.0589% | 2,687 |
| Assets per employee ($millions) | 4.8608% | 3,755 |
| Cash dividends to net income (ytd only)* | 124.8199% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 3,692 |
| Loan loss allowance to noncurrent loans | 866.5780% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,052 |
| Noncurrent loans to loans | 0.1104% | 2,971 |
| Net loans and leases to total assets | 66.9400% | 1,951 |
| Net loans and leases to deposits | 84.0676% | 1,495 |
| Net loans and leases to core deposits | 85.0434% | 1,927 |
| Total domestic deposits to total assets | 79.6300% | 3,815 |
| Equity capital to assets | 8.9641% | 2,553 |
| Core capital (leverage) ratio | 10.2331% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,512,831,000 | 716 |
| Average earning assets | $1,405,875,500 | 704 |
| Average equity | $131,890,000 | 745 |
| Average total loans | $992,753,000 | 725 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 2,023 |
| Cost of funding earning assets | 0.2508% | 3,316 |
| Net interest margin | 3.6335% | 1,544 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 2.8821% | 1,153 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.6623% | 591 |
| Return on assets (ROA) | 1.3708% | 1,167 |
| Pretax return on assets | 1.5163% | 1,404 |
| Return on Equity (ROE) | 15.1700% | 1,219 |
| Retained earnings to average equity (ytd only) | 9.6656% | 1,251 |
| Net charge-offs to loans | 0.0133% | 1,879 |
| Credit loss provision to net charge-offs | -263.6364% | 4,614 |
| Earnings coverage of net charge-offs (x) | 245.0727% | 557 |
| Efficiency ratio | 61.2867% | 2,875 |
| Assets per employee ($millions) | 4.8995% | 3,748 |
| Cash dividends to net income (ytd only)* | 36.2991% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 4,014 |
| Loan loss allowance to noncurrent loans | 428.1388% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 2,687 |
| Noncurrent loans to loans | 0.1884% | 2,545 |
| Net loans and leases to total assets | 63.1400% | 2,317 |
| Net loans and leases to deposits | 80.8072% | 1,709 |
| Net loans and leases to core deposits | 81.0790% | 2,068 |
| Total domestic deposits to total assets | 78.1400% | 4,078 |
| Equity capital to assets | 8.4724% | 2,724 |
| Core capital (leverage) ratio | 10.3058% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,480,753,800 | 710 |
| Average earning assets | $1,374,661,600 | 699 |
| Average equity | $133,773,200 | 735 |
| Average total loans | $825,687,200 | 802 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6656% | 2,148 |
| Cost of funding earning assets | 0.1821% | 3,492 |
| Net interest margin | 3.4835% | 1,712 |
| Noninterest income to average assets | 1.4000% | 380 |
| Noninterest expense to average assets | 2.7467% | 1,357 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.6901% | 541 |
| Return on assets (ROA) | 1.4467% | 940 |
| Pretax return on assets | 1.6418% | 1,024 |
| Return on Equity (ROE) | 15.7600% | 1,023 |
| Retained earnings to average equity (ytd only) | 9.4945% | 1,487 |
| Net charge-offs to loans | 0.0130% | 1,633 |
| Credit loss provision to net charge-offs | -419.4805% | 4,688 |
| Earnings coverage of net charge-offs (x) | 270.9351% | 510 |
| Efficiency ratio | 59.2507% | 3,216 |
| Assets per employee ($millions) | 4.8175% | 3,833 |
| Cash dividends to net income (ytd only)* | 39.7634% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 3,834 |
| Loan loss allowance to noncurrent loans | 944.7145% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,340 |
| Noncurrent loans to loans | 0.0958% | 3,193 |
| Net loans and leases to total assets | 56.3000% | 2,872 |
| Net loans and leases to deposits | 66.0712% | 2,715 |
| Net loans and leases to core deposits | 66.2759% | 2,938 |
| Total domestic deposits to total assets | 85.2100% | 3,235 |
| Equity capital to assets | 8.0265% | 2,871 |
| Core capital (leverage) ratio | 10.4434% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,472,452,750 | 718 |
| Average earning assets | $1,366,970,500 | 707 |
| Average equity | $135,149,250 | 738 |
| Average total loans | $791,169,000 | 827 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4946% | 2,165 |
| Cost of funding earning assets | 0.1234% | 3,922 |
| Net interest margin | 3.3712% | 1,684 |
| Noninterest income to average assets | 1.5254% | 330 |
| Noninterest expense to average assets | 2.7463% | 1,280 |
| Loan and lease loss provision to assets | -0.0570% | 4,532 |
| Net operating income to assets | 1.6684% | 463 |
| Return on assets (ROA) | 1.6751% | 449 |
| Pretax return on assets | 1.9703% | 406 |
| Return on Equity (ROE) | 17.4913% | 523 |
| Retained earnings to average equity (ytd only) | 10.8426% | 814 |
| Net charge-offs to loans | -0.0042% | 3,286 |
| Credit loss provision to net charge-offs | 2,600.0000% | 199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0376% | 3,437 |
| Assets per employee ($millions) | 4.8011% | 3,847 |
| Cash dividends to net income (ytd only)* | 38.0115% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,605 |
| Loan loss allowance to noncurrent loans | 646.3009% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,143 |
| Noncurrent loans to loans | 0.1543% | 2,920 |
| Net loans and leases to total assets | 53.7772% | 2,986 |
| Net loans and leases to deposits | 64.2619% | 2,692 |
| Net loans and leases to core deposits | 64.4478% | 2,930 |
| Total domestic deposits to total assets | 83.6843% | 3,747 |
| Equity capital to assets | 9.1459% | 2,288 |
| Core capital (leverage) ratio | 10.4526% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,459,037,000 | 711 |
| Average earning assets | $1,353,121,667 | 711 |
| Average equity | $139,726,667 | 724 |
| Average total loans | $768,423,333 | 830 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3470% | 2,248 |
| Cost of funding earning assets | 0.0973% | 4,164 |
| Net interest margin | 3.2497% | 1,720 |
| Noninterest income to average assets | 1.4504% | 367 |
| Noninterest expense to average assets | 2.9021% | 953 |
| Loan and lease loss provision to assets | 0.0008% | 2,278 |
| Net operating income to assets | 0.9788% | 1,974 |
| Return on assets (ROA) | 0.9891% | 1,915 |
| Pretax return on assets | 1.5749% | 871 |
| Return on Equity (ROE) | 10.1067% | 1,926 |
| Retained earnings to average equity (ytd only) | 3.7404% | 3,033 |
| Net charge-offs to loans | 0.0016% | 1,779 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 1,915.3333% | 32 |
| Efficiency ratio | 64.9997% | 2,910 |
| Assets per employee ($millions) | 4.8449% | 3,886 |
| Cash dividends to net income (ytd only)* | 62.9915% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,442 |
| Loan loss allowance to noncurrent loans | 718.3656% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 3,290 |
| Noncurrent loans to loans | 0.1494% | 3,057 |
| Net loans and leases to total assets | 51.4896% | 3,029 |
| Net loans and leases to deposits | 61.3078% | 2,773 |
| Net loans and leases to core deposits | 61.4667% | 3,024 |
| Total domestic deposits to total assets | 83.9854% | 3,773 |
| Equity capital to assets | 9.3990% | 2,363 |
| Core capital (leverage) ratio | 9.7232% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,470,788,000 | 710 |
| Average earning assets | $1,364,323,500 | 710 |
| Average equity | $143,943,500 | 729 |
| Average total loans | $762,752,500 | 820 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 1,564 |
| Cost of funding earning assets | 0.0650% | 4,615 |
| Net interest margin | 3.8549% | 913 |
| Noninterest income to average assets | 1.5938% | 441 |
| Noninterest expense to average assets | 3.1239% | 819 |
| Loan and lease loss provision to assets | -0.0122% | 4,181 |
| Net operating income to assets | 1.9139% | 400 |
| Return on assets (ROA) | 1.9298% | 411 |
| Pretax return on assets | 2.1002% | 495 |
| Return on Equity (ROE) | 17.9639% | 472 |
| Retained earnings to average equity (ytd only) | 9.6216% | 1,010 |
| Net charge-offs to loans | -0.0295% | 4,118 |
| Credit loss provision to net charge-offs | 69.0083% | 2,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1380% | 3,124 |
| Assets per employee ($millions) | 4.8632% | 3,840 |
| Cash dividends to net income (ytd only)* | 46.4390% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 3,477 |
| Loan loss allowance to noncurrent loans | 706.5687% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,404 |
| Noncurrent loans to loans | 0.1514% | 3,181 |
| Net loans and leases to total assets | 51.1209% | 3,164 |
| Net loans and leases to deposits | 61.9996% | 2,884 |
| Net loans and leases to core deposits | 62.1758% | 3,145 |
| Total domestic deposits to total assets | 82.4536% | 3,899 |
| Equity capital to assets | 10.1707% | 2,502 |
| Core capital (leverage) ratio | 10.1562% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,367,102,400 | 729 |
| Average earning assets | $1,276,983,400 | 725 |
| Average equity | $146,867,000 | 731 |
| Average total loans | $820,002,400 | 786 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0560% | 1,413 |
| Cost of funding earning assets | 0.0573% | 4,744 |
| Net interest margin | 3.9987% | 799 |
| Noninterest income to average assets | 1.6144% | 480 |
| Noninterest expense to average assets | 2.9020% | 1,123 |
| Loan and lease loss provision to assets | -0.0049% | 4,305 |
| Net operating income to assets | 2.2295% | 305 |
| Return on assets (ROA) | 2.2398% | 318 |
| Pretax return on assets | 2.4716% | 352 |
| Return on Equity (ROE) | 20.5466% | 388 |
| Retained earnings to average equity (ytd only) | 12.5090% | 722 |
| Net charge-offs to loans | -0.0078% | 3,583 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1671% | 3,788 |
| Assets per employee ($millions) | 4.5045% | 4,119 |
| Cash dividends to net income (ytd only)* | 39.1190% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,669 |
| Loan loss allowance to noncurrent loans | 533.2456% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 3,377 |
| Noncurrent loans to loans | 0.1967% | 3,164 |
| Net loans and leases to total assets | 55.0798% | 2,844 |
| Net loans and leases to deposits | 65.7948% | 2,646 |
| Net loans and leases to core deposits | 65.9761% | 2,959 |
| Total domestic deposits to total assets | 83.7146% | 3,535 |
| Equity capital to assets | 11.0346% | 1,992 |
| Core capital (leverage) ratio | 10.4526% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,339,276,500 | 752 |
| Average earning assets | $1,253,677,750 | 749 |
| Average equity | $145,992,750 | 745 |
| Average total loans | $834,015,500 | 785 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 1,620 |
| Cost of funding earning assets | 0.0582% | 4,791 |
| Net interest margin | 3.9207% | 934 |
| Noninterest income to average assets | 1.6893% | 435 |
| Noninterest expense to average assets | 2.9142% | 1,124 |
| Loan and lease loss provision to assets | -0.0086% | 4,404 |
| Net operating income to assets | 2.1006% | 407 |
| Return on assets (ROA) | 2.1153% | 416 |
| Pretax return on assets | 2.4673% | 371 |
| Return on Equity (ROE) | 19.4881% | 500 |
| Retained earnings to average equity (ytd only) | 9.3576% | 1,600 |
| Net charge-offs to loans | -0.0133% | 3,802 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4123% | 3,751 |
| Assets per employee ($millions) | 4.4006% | 4,184 |
| Cash dividends to net income (ytd only)* | 51.9829% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,845 |
| Loan loss allowance to noncurrent loans | 1,148.9362% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,886 |
| Noncurrent loans to loans | 0.0864% | 3,753 |
| Net loans and leases to total assets | 60.3970% | 2,378 |
| Net loans and leases to deposits | 73.9880% | 2,001 |
| Net loans and leases to core deposits | 74.1879% | 2,390 |
| Total domestic deposits to total assets | 81.6308% | 3,987 |
| Equity capital to assets | 10.9744% | 1,995 |
| Core capital (leverage) ratio | 10.1489% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,323,240,000 | 756 |
| Average earning assets | $1,237,425,333 | 755 |
| Average equity | $143,626,000 | 751 |
| Average total loans | $854,597,333 | 772 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 1,527 |
| Cost of funding earning assets | 0.0602% | 4,823 |
| Net interest margin | 3.9813% | 866 |
| Noninterest income to average assets | 1.5955% | 549 |
| Noninterest expense to average assets | 2.9189% | 1,119 |
| Loan and lease loss provision to assets | -0.0128% | 4,589 |
| Net operating income to assets | 1.7089% | 922 |
| Return on assets (ROA) | 1.7353% | 938 |
| Pretax return on assets | 2.4432% | 484 |
| Return on Equity (ROE) | 16.0780% | 998 |
| Retained earnings to average equity (ytd only) | 5.1791% | 3,174 |
| Net charge-offs to loans | -0.0192% | 3,975 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9088% | 3,683 |
| Assets per employee ($millions) | 4.4893% | 4,109 |
| Cash dividends to net income (ytd only)* | 67.7877% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,076 |
| Loan loss allowance to noncurrent loans | 1,030.5344% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,892 |
| Noncurrent loans to loans | 0.0902% | 3,850 |
| Net loans and leases to total assets | 65.1642% | 1,904 |
| Net loans and leases to deposits | 78.2652% | 1,693 |
| Net loans and leases to core deposits | 78.4746% | 2,143 |
| Total domestic deposits to total assets | 83.2608% | 3,627 |
| Equity capital to assets | 10.6838% | 2,102 |
| Core capital (leverage) ratio | 9.8126% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,315,973,500 | 756 |
| Average earning assets | $1,229,741,500 | 752 |
| Average equity | $142,032,500 | 749 |
| Average total loans | $873,858,500 | 756 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 2,324 |
| Cost of funding earning assets | 0.1311% | 4,786 |
| Net interest margin | 4.0045% | 965 |
| Noninterest income to average assets | 1.7201% | 423 |
| Noninterest expense to average assets | 3.1814% | 1,089 |
| Loan and lease loss provision to assets | 0.1921% | 2,032 |
| Net operating income to assets | 1.9282% | 299 |
| Return on assets (ROA) | 2.0159% | 273 |
| Pretax return on assets | 2.1547% | 325 |
| Return on Equity (ROE) | 17.4714% | 372 |
| Retained earnings to average equity (ytd only) | 7.2458% | 1,299 |
| Net charge-offs to loans | 0.0023% | 3,315 |
| Credit loss provision to net charge-offs | 11,678.9474% | 89 |
| Earnings coverage of net charge-offs (x) | 1,369.8947% | 80 |
| Efficiency ratio | 58.5357% | 3,653 |
| Assets per employee ($millions) | 4.3298% | 4,087 |
| Cash dividends to net income (ytd only)* | 58.5277% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,114 |
| Loan loss allowance to noncurrent loans | 812.4373% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,952 |
| Noncurrent loans to loans | 0.1137% | 3,832 |
| Net loans and leases to total assets | 66.4207% | 2,031 |
| Net loans and leases to deposits | 82.0243% | 1,661 |
| Net loans and leases to core deposits | 82.2916% | 2,173 |
| Total domestic deposits to total assets | 80.9769% | 3,872 |
| Equity capital to assets | 10.9035% | 2,337 |
| Core capital (leverage) ratio | 10.4342% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,154,969,200 | 775 |
| Average earning assets | $1,071,413,800 | 769 |
| Average equity | $133,263,400 | 751 |
| Average total loans | $822,075,800 | 767 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 2,502 |
| Cost of funding earning assets | 0.1566% | 4,787 |
| Net interest margin | 4.0001% | 1,116 |
| Noninterest income to average assets | 1.6618% | 429 |
| Noninterest expense to average assets | 2.8535% | 1,817 |
| Loan and lease loss provision to assets | 0.1924% | 2,060 |
| Net operating income to assets | 2.1400% | 226 |
| Return on assets (ROA) | 2.2570% | 200 |
| Pretax return on assets | 2.4483% | 230 |
| Return on Equity (ROE) | 19.2507% | 281 |
| Retained earnings to average equity (ytd only) | 6.3256% | 1,960 |
| Net charge-offs to loans | 0.0020% | 3,131 |
| Credit loss provision to net charge-offs | 13,433.3333% | 94 |
| Earnings coverage of net charge-offs (x) | 1,754.5833% | 66 |
| Efficiency ratio | 53.1664% | 4,236 |
| Assets per employee ($millions) | 4.0697% | 4,267 |
| Cash dividends to net income (ytd only)* | 67.1410% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 4,308 |
| Loan loss allowance to noncurrent loans | 689.9724% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 3,987 |
| Noncurrent loans to loans | 0.1192% | 3,904 |
| Net loans and leases to total assets | 73.8267% | 1,391 |
| Net loans and leases to deposits | 90.6269% | 1,209 |
| Net loans and leases to core deposits | 90.9179% | 1,894 |
| Total domestic deposits to total assets | 81.4622% | 3,548 |
| Equity capital to assets | 11.3640% | 2,105 |
| Core capital (leverage) ratio | 10.6678% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,116,809,500 | 788 |
| Average earning assets | $1,034,515,000 | 779 |
| Average equity | $130,935,500 | 752 |
| Average total loans | $808,439,250 | 771 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 2,633 |
| Cost of funding earning assets | 0.2012% | 4,761 |
| Net interest margin | 4.0389% | 1,241 |
| Noninterest income to average assets | 1.5393% | 434 |
| Noninterest expense to average assets | 2.8865% | 1,865 |
| Loan and lease loss provision to assets | 0.3140% | 1,367 |
| Net operating income to assets | 1.7975% | 504 |
| Return on assets (ROA) | 1.9403% | 419 |
| Pretax return on assets | 2.2370% | 340 |
| Return on Equity (ROE) | 16.3601% | 510 |
| Retained earnings to average equity (ytd only) | 1.7070% | 3,871 |
| Net charge-offs to loans | 0.0251% | 2,219 |
| Credit loss provision to net charge-offs | 1,749.4845% | 542 |
| Earnings coverage of net charge-offs (x) | 132.9691% | 578 |
| Efficiency ratio | 54.7375% | 4,094 |
| Assets per employee ($millions) | 4.0402% | 4,271 |
| Cash dividends to net income (ytd only)* | 89.5660% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 4,238 |
| Loan loss allowance to noncurrent loans | 800.4269% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 4,098 |
| Noncurrent loans to loans | 0.1044% | 4,034 |
| Net loans and leases to total assets | 74.6461% | 1,324 |
| Net loans and leases to deposits | 89.0597% | 1,440 |
| Net loans and leases to core deposits | 95.1103% | 1,651 |
| Total domestic deposits to total assets | 83.8158% | 2,811 |
| Equity capital to assets | 11.1745% | 2,191 |
| Core capital (leverage) ratio | 10.4899% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,080,749,667 | 796 |
| Average earning assets | $999,185,667 | 792 |
| Average equity | $128,178,000 | 762 |
| Average total loans | $773,962,667 | 794 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 2,573 |
| Cost of funding earning assets | 0.3200% | 4,598 |
| Net interest margin | 4.0931% | 1,148 |
| Noninterest income to average assets | 1.4397% | 432 |
| Noninterest expense to average assets | 3.3988% | 1,068 |
| Loan and lease loss provision to assets | -0.0230% | 5,055 |
| Net operating income to assets | 1.2764% | 1,307 |
| Return on assets (ROA) | 1.5205% | 813 |
| Pretax return on assets | 2.1459% | 340 |
| Return on Equity (ROE) | 12.4034% | 1,010 |
| Retained earnings to average equity (ytd only) | 1.7696% | 3,523 |
| Net charge-offs to loans | -0.0331% | 4,505 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2021% | 3,061 |
| Assets per employee ($millions) | 3.5041% | 4,477 |
| Cash dividends to net income (ytd only)* | 85.7326% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 4,388 |
| Loan loss allowance to noncurrent loans | 317.7167% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,609 |
| Noncurrent loans to loans | 0.2551% | 3,579 |
| Net loans and leases to total assets | 70.5677% | 2,160 |
| Net loans and leases to deposits | 89.1674% | 1,613 |
| Net loans and leases to core deposits | 89.5201% | 2,393 |
| Total domestic deposits to total assets | 79.1407% | 4,021 |
| Equity capital to assets | 12.1483% | 1,965 |
| Core capital (leverage) ratio | 11.7414% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,025,194,000 | 801 |
| Average earning assets | $945,004,500 | 800 |
| Average equity | $125,675,000 | 766 |
| Average total loans | $712,355,000 | 825 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 2,595 |
| Cost of funding earning assets | 0.3918% | 4,465 |
| Net interest margin | 4.2129% | 1,299 |
| Noninterest income to average assets | 1.6087% | 362 |
| Noninterest expense to average assets | 3.5703% | 876 |
| Loan and lease loss provision to assets | 0.0027% | 3,945 |
| Net operating income to assets | 1.7528% | 589 |
| Return on assets (ROA) | 1.7841% | 571 |
| Pretax return on assets | 1.9427% | 673 |
| Return on Equity (ROE) | 14.7711% | 738 |
| Retained earnings to average equity (ytd only) | 9.3789% | 622 |
| Net charge-offs to loans | 0.0041% | 3,536 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 697.5556% | 150 |
| Efficiency ratio | 65.1326% | 2,910 |
| Assets per employee ($millions) | 3.5058% | 4,477 |
| Cash dividends to net income (ytd only)* | 36.5053% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8468% | 4,163 |
| Loan loss allowance to noncurrent loans | 397.8422% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 3,759 |
| Noncurrent loans to loans | 0.2128% | 3,698 |
| Net loans and leases to total assets | 67.2576% | 2,793 |
| Net loans and leases to deposits | 82.1661% | 2,541 |
| Net loans and leases to core deposits | 82.4789% | 3,083 |
| Total domestic deposits to total assets | 81.8556% | 3,544 |
| Equity capital to assets | 12.3686% | 1,902 |
| Core capital (leverage) ratio | 12.2900% | 1,601 |
| Tier 1 risk-based capital ratio | 15.5525% | 2,561 |
| Total risk-based capital ratio | 16.3061% | 2,692 |
| Memoranda: | ||
| Average total assets | $985,400,600 | 793 |
| Average earning assets | $905,880,400 | 798 |
| Average equity | $119,023,000 | 768 |
| Average total loans | $663,060,600 | 842 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 2,554 |
| Cost of funding earning assets | 0.4204% | 4,432 |
| Net interest margin | 4.2320% | 1,302 |
| Noninterest income to average assets | 1.5786% | 370 |
| Noninterest expense to average assets | 3.2374% | 1,394 |
| Loan and lease loss provision to assets | 0.0031% | 3,802 |
| Net operating income to assets | 1.8644% | 549 |
| Return on assets (ROA) | 1.8757% | 546 |
| Pretax return on assets | 2.2406% | 423 |
| Return on Equity (ROE) | 15.6282% | 669 |
| Retained earnings to average equity (ytd only) | 8.9341% | 1,070 |
| Net charge-offs to loans | 0.0047% | 3,232 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 708.9488% | 134 |
| Efficiency ratio | 59.2106% | 3,781 |
| Assets per employee ($millions) | 3.4367% | 4,559 |
| Cash dividends to net income (ytd only)* | 42.8332% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 4,161 |
| Loan loss allowance to noncurrent loans | 520.2822% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 3,986 |
| Noncurrent loans to loans | 0.1673% | 3,939 |
| Net loans and leases to total assets | 68.1244% | 2,772 |
| Net loans and leases to deposits | 83.6019% | 2,501 |
| Net loans and leases to core deposits | 84.0391% | 3,088 |
| Total domestic deposits to total assets | 81.4866% | 3,618 |
| Equity capital to assets | 12.6664% | 1,801 |
| Core capital (leverage) ratio | 12.0309% | 1,830 |
| Tier 1 risk-based capital ratio | 15.3332% | 2,695 |
| Total risk-based capital ratio | 16.0970% | 2,847 |
| Memoranda: | ||
| Average total assets | $974,953,250 | 803 |
| Average earning assets | $895,951,000 | 804 |
| Average equity | $117,016,500 | 777 |
| Average total loans | $654,635,000 | 848 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 2,572 |
| Cost of funding earning assets | 0.4286% | 4,400 |
| Net interest margin | 4.2033% | 1,356 |
| Noninterest income to average assets | 1.5375% | 385 |
| Noninterest expense to average assets | 3.7728% | 685 |
| Loan and lease loss provision to assets | -0.0167% | 5,131 |
| Net operating income to assets | 1.6452% | 820 |
| Return on assets (ROA) | 1.6442% | 857 |
| Pretax return on assets | 1.6442% | 1,419 |
| Return on Equity (ROE) | 13.9608% | 989 |
| Retained earnings to average equity (ytd only) | 8.8496% | 1,081 |
| Net charge-offs to loans | -0.0250% | 4,624 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8490% | 2,245 |
| Assets per employee ($millions) | 3.3187% | 4,686 |
| Cash dividends to net income (ytd only)* | 36.6107% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 4,118 |
| Loan loss allowance to noncurrent loans | 636.4617% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 4,092 |
| Noncurrent loans to loans | 0.1404% | 4,056 |
| Net loans and leases to total assets | 67.7562% | 2,855 |
| Net loans and leases to deposits | 83.5316% | 2,542 |
| Net loans and leases to core deposits | 84.1239% | 3,098 |
| Total domestic deposits to total assets | 81.1145% | 3,771 |
| Equity capital to assets | 12.4932% | 1,861 |
| Core capital (leverage) ratio | 11.8173% | 1,933 |
| Tier 1 risk-based capital ratio | 15.2126% | 2,744 |
| Total risk-based capital ratio | 15.9886% | 2,874 |
| Memoranda: | ||
| Average total assets | $971,160,670 | 802 |
| Average earning assets | $892,724,000 | 801 |
| Average equity | $114,377,670 | 788 |
| Average total loans | $646,902,670 | 858 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 2,637 |
| Cost of funding earning assets | 0.4469% | 4,301 |
| Net interest margin | 4.1226% | 1,493 |
| Noninterest income to average assets | 1.4404% | 415 |
| Noninterest expense to average assets | 4.0581% | 495 |
| Loan and lease loss provision to assets | -0.0411% | 5,249 |
| Net operating income to assets | 1.1973% | 2,067 |
| Return on assets (ROA) | 1.1973% | 2,116 |
| Pretax return on assets | 1.1973% | 2,811 |
| Return on Equity (ROE) | 10.4818% | 2,161 |
| Retained earnings to average equity (ytd only) | 7.3355% | 1,908 |
| Net charge-offs to loans | -0.0619% | 4,891 |
| Credit loss provision to net charge-offs | 101.0101% | 1,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8259% | 1,285 |
| Assets per employee ($millions) | 3.4375% | 4,619 |
| Cash dividends to net income (ytd only)* | 30.0172% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 4,121 |
| Loan loss allowance to noncurrent loans | 405.4983% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 3,883 |
| Noncurrent loans to loans | 0.2236% | 3,788 |
| Net loans and leases to total assets | 66.2775% | 3,014 |
| Net loans and leases to deposits | 79.7330% | 2,870 |
| Net loans and leases to core deposits | 79.9946% | 3,375 |
| Total domestic deposits to total assets | 83.1243% | 3,343 |
| Equity capital to assets | 11.7477% | 2,189 |
| Core capital (leverage) ratio | 11.1278% | 2,447 |
| Tier 1 risk-based capital ratio | 14.7348% | 2,985 |
| Total risk-based capital ratio | 15.5065% | 3,147 |
| Memoranda: | ||
| Average total assets | $973,866,500 | 806 |
| Average earning assets | $891,487,000 | 806 |
| Average equity | $111,240,000 | 797 |
| Average total loans | $640,226,500 | 870 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 2,885 |
| Cost of funding earning assets | 0.2804% | 4,658 |
| Net interest margin | 4.0829% | 1,740 |
| Noninterest income to average assets | 1.4160% | 455 |
| Noninterest expense to average assets | 3.2293% | 1,484 |
| Loan and lease loss provision to assets | -0.0373% | 5,163 |
| Net operating income to assets | 1.9474% | 395 |
| Return on assets (ROA) | 1.8608% | 491 |
| Pretax return on assets | 1.8608% | 795 |
| Return on Equity (ROE) | 15.9392% | 645 |
| Retained earnings to average equity (ytd only) | -1.8190% | 5,120 |
| Net charge-offs to loans | -0.0603% | 5,029 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8335% | 3,375 |
| Assets per employee ($millions) | 3.4572% | 4,598 |
| Cash dividends to net income (ytd only)* | 111.4120% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,011 |
| Loan loss allowance to noncurrent loans | 337.7218% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 3,504 |
| Noncurrent loans to loans | 0.2774% | 3,570 |
| Net loans and leases to total assets | 63.9947% | 3,361 |
| Net loans and leases to deposits | 75.3625% | 3,398 |
| Net loans and leases to core deposits | 75.6730% | 3,745 |
| Total domestic deposits to total assets | 84.9159% | 2,677 |
| Equity capital to assets | 11.0981% | 2,595 |
| Core capital (leverage) ratio | 11.3602% | 2,217 |
| Tier 1 risk-based capital ratio | 14.8380% | 2,913 |
| Total risk-based capital ratio | 15.6295% | 3,040 |
| Memoranda: | ||
| Average total assets | $966,307,200 | 793 |
| Average earning assets | $881,228,000 | 799 |
| Average equity | $112,809,600 | 758 |
| Average total loans | $596,730,200 | 900 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 2,971 |
| Cost of funding earning assets | 0.2658% | 4,700 |
| Net interest margin | 4.0321% | 1,852 |
| Noninterest income to average assets | 1.3883% | 495 |
| Noninterest expense to average assets | 2.9708% | 2,107 |
| Loan and lease loss provision to assets | -0.0600% | 5,309 |
| Net operating income to assets | 2.1588% | 278 |
| Return on assets (ROA) | 2.0897% | 312 |
| Pretax return on assets | 2.0897% | 495 |
| Return on Equity (ROE) | 17.6791% | 463 |
| Retained earnings to average equity (ytd only) | 6.0217% | 2,649 |
| Net charge-offs to loans | -0.0983% | 5,157 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6007% | 4,025 |
| Assets per employee ($millions) | 3.5225% | 4,530 |
| Cash dividends to net income (ytd only)* | 65.9387% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 4,004 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 3,699 |
| Noncurrent loans to loans | 0.2402% | 3,837 |
| Net loans and leases to total assets | 63.6995% | 3,464 |
| Net loans and leases to deposits | 76.9134% | 3,336 |
| Net loans and leases to core deposits | 77.3123% | 3,709 |
| Total domestic deposits to total assets | 82.8197% | 3,371 |
| Equity capital to assets | 11.8410% | 2,010 |
| Core capital (leverage) ratio | 12.2778% | 1,631 |
| Tier 1 risk-based capital ratio | 16.0157% | 2,446 |
| Total risk-based capital ratio | 16.8178% | 2,556 |
| Memoranda: | ||
| Average total assets | $964,152,500 | 794 |
| Average earning assets | $880,276,250 | 802 |
| Average equity | $113,962,500 | 748 |
| Average total loans | $588,462,500 | 912 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 3,079 |
| Cost of funding earning assets | 0.2443% | 4,776 |
| Net interest margin | 3.9688% | 1,966 |
| Noninterest income to average assets | 1.3302% | 545 |
| Noninterest expense to average assets | 2.9919% | 2,063 |
| Loan and lease loss provision to assets | -0.0910% | 5,420 |
| Net operating income to assets | 2.0427% | 345 |
| Return on assets (ROA) | 1.9393% | 422 |
| Pretax return on assets | 1.9393% | 704 |
| Return on Equity (ROE) | 16.4169% | 596 |
| Retained earnings to average equity (ytd only) | -13.0950% | 5,450 |
| Net charge-offs to loans | -0.1517% | 5,273 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5203% | 3,851 |
| Assets per employee ($millions) | 3.4668% | 4,642 |
| Cash dividends to net income (ytd only)* | 179.7655% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,865 |
| Loan loss allowance to noncurrent loans | 271.0152% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 3,315 |
| Noncurrent loans to loans | 0.3677% | 3,375 |
| Net loans and leases to total assets | 62.3922% | 3,552 |
| Net loans and leases to deposits | 75.5589% | 3,384 |
| Net loans and leases to core deposits | 75.9588% | 3,748 |
| Total domestic deposits to total assets | 82.5742% | 3,542 |
| Equity capital to assets | 11.7972% | 1,995 |
| Core capital (leverage) ratio | 11.8084% | 1,832 |
| Tier 1 risk-based capital ratio | 15.8542% | 2,490 |
| Total risk-based capital ratio | 16.6685% | 2,606 |
| Memoranda: | ||
| Average total assets | $967,340,000 | 793 |
| Average earning assets | $880,717,000 | 802 |
| Average equity | $114,272,330 | 743 |
| Average total loans | $579,960,330 | 927 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 3,373 |
| Cost of funding earning assets | 0.2343% | 4,805 |
| Net interest margin | 3.8260% | 2,314 |
| Noninterest income to average assets | 1.2433% | 604 |
| Noninterest expense to average assets | 3.0492% | 1,948 |
| Loan and lease loss provision to assets | 0.0216% | 3,250 |
| Net operating income to assets | 1.6334% | 789 |
| Return on assets (ROA) | 1.6350% | 788 |
| Pretax return on assets | 1.6350% | 1,284 |
| Return on Equity (ROE) | 13.8322% | 1,052 |
| Retained earnings to average equity (ytd only) | -32.4785% | 5,558 |
| Net charge-offs to loans | 0.0369% | 1,784 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 76.6038% | 729 |
| Efficiency ratio | 64.8180% | 3,350 |
| Assets per employee ($millions) | 3.7220% | 4,392 |
| Cash dividends to net income (ytd only)* | 334.8043% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,906 |
| Loan loss allowance to noncurrent loans | 147.1689% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 2,872 |
| Noncurrent loans to loans | 0.6850% | 2,493 |
| Net loans and leases to total assets | 59.8716% | 3,759 |
| Net loans and leases to deposits | 71.3131% | 3,676 |
| Net loans and leases to core deposits | 71.6736% | 3,990 |
| Total domestic deposits to total assets | 83.9559% | 3,344 |
| Equity capital to assets | 11.3158% | 2,289 |
| Core capital (leverage) ratio | 11.4669% | 2,038 |
| Tier 1 risk-based capital ratio | 15.6598% | 2,609 |
| Total risk-based capital ratio | 16.4778% | 2,713 |
| Memoranda: | ||
| Average total assets | $981,255,500 | 778 |
| Average earning assets | $887,607,000 | 792 |
| Average equity | $115,990,500 | 738 |
| Average total loans | $573,900,500 | 933 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 4,033 |
| Cost of funding earning assets | 0.1472% | 5,276 |
| Net interest margin | 3.6601% | 2,949 |
| Noninterest income to average assets | 1.4039% | 536 |
| Noninterest expense to average assets | 3.0920% | 1,883 |
| Loan and lease loss provision to assets | -0.0163% | 5,324 |
| Net operating income to assets | 1.6373% | 603 |
| Return on assets (ROA) | 1.6327% | 626 |
| Pretax return on assets | 1.6327% | 1,209 |
| Return on Equity (ROE) | 12.8978% | 976 |
| Retained earnings to average equity (ytd only) | 2.7060% | 3,694 |
| Net charge-offs to loans | -0.0296% | 5,062 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6057% | 3,327 |
| Assets per employee ($millions) | 3.6840% | 4,455 |
| Cash dividends to net income (ytd only)* | 79.0201% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,629 |
| Loan loss allowance to noncurrent loans | 180.3730% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3948% | 1,010 |
| Noncurrent loans to loans | 0.5815% | 2,761 |
| Net loans and leases to total assets | 55.9589% | 4,193 |
| Net loans and leases to deposits | 67.2048% | 4,089 |
| Net loans and leases to core deposits | 67.7271% | 4,313 |
| Total domestic deposits to total assets | 83.2663% | 3,477 |
| Equity capital to assets | 12.3019% | 1,637 |
| Core capital (leverage) ratio | 12.8353% | 1,205 |
| Tier 1 risk-based capital ratio | 17.1252% | 2,049 |
| Total risk-based capital ratio | 17.9509% | 2,147 |
| Memoranda: | ||
| Average total assets | $971,298,000 | 762 |
| Average earning assets | $878,161,200 | 771 |
| Average equity | $122,951,000 | 670 |
| Average total loans | $533,454,200 | 957 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 4,176 |
| Cost of funding earning assets | 0.1448% | 5,345 |
| Net interest margin | 3.6059% | 3,129 |
| Noninterest income to average assets | 1.3671% | 562 |
| Noninterest expense to average assets | 2.8141% | 2,681 |
| Loan and lease loss provision to assets | -0.0463% | 5,516 |
| Net operating income to assets | 1.8704% | 415 |
| Return on assets (ROA) | 1.8780% | 412 |
| Pretax return on assets | 1.8780% | 726 |
| Return on Equity (ROE) | 14.7295% | 695 |
| Retained earnings to average equity (ytd only) | 6.3298% | 2,042 |
| Net charge-offs to loans | -0.0849% | 5,333 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6711% | 4,097 |
| Assets per employee ($millions) | 3.6287% | 4,548 |
| Cash dividends to net income (ytd only)* | 57.0262% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,681 |
| Loan loss allowance to noncurrent loans | 159.5889% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.4443% | 1,063 |
| Noncurrent loans to loans | 0.6691% | 2,698 |
| Net loans and leases to total assets | 57.0590% | 4,150 |
| Net loans and leases to deposits | 69.5492% | 3,998 |
| Net loans and leases to core deposits | 70.1490% | 4,234 |
| Total domestic deposits to total assets | 82.0412% | 3,764 |
| Equity capital to assets | 13.2826% | 1,261 |
| Core capital (leverage) ratio | 13.3235% | 1,096 |
| Tier 1 risk-based capital ratio | 17.6594% | 1,958 |
| Total risk-based capital ratio | 18.4951% | 2,035 |
| Memoranda: | ||
| Average total assets | $965,450,000 | 773 |
| Average earning assets | $875,831,750 | 781 |
| Average equity | $123,097,250 | 670 |
| Average total loans | $526,188,250 | 976 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 4,310 |
| Cost of funding earning assets | 0.1394% | 5,397 |
| Net interest margin | 3.5332% | 3,284 |
| Noninterest income to average assets | 1.3583% | 579 |
| Noninterest expense to average assets | 2.8524% | 2,576 |
| Loan and lease loss provision to assets | -0.0903% | 5,639 |
| Net operating income to assets | 1.8003% | 452 |
| Return on assets (ROA) | 1.8106% | 456 |
| Pretax return on assets | 1.8106% | 820 |
| Return on Equity (ROE) | 14.3992% | 755 |
| Retained earnings to average equity (ytd only) | 5.8333% | 2,208 |
| Net charge-offs to loans | -0.1689% | 5,554 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5198% | 3,903 |
| Assets per employee ($millions) | 3.5811% | 4,606 |
| Cash dividends to net income (ytd only)* | 59.4888% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,544 |
| Loan loss allowance to noncurrent loans | 187.4206% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 1,057 |
| Noncurrent loans to loans | 0.5910% | 2,959 |
| Net loans and leases to total assets | 55.9327% | 4,233 |
| Net loans and leases to deposits | 68.5292% | 4,021 |
| Net loans and leases to core deposits | 69.1341% | 4,287 |
| Total domestic deposits to total assets | 81.6187% | 4,011 |
| Equity capital to assets | 13.3691% | 1,198 |
| Core capital (leverage) ratio | 13.0713% | 1,148 |
| Tier 1 risk-based capital ratio | 17.5671% | 1,982 |
| Total risk-based capital ratio | 18.4126% | 2,059 |
| Memoranda: | ||
| Average total assets | $967,940,670 | 775 |
| Average earning assets | $877,784,670 | 782 |
| Average equity | $121,715,000 | 680 |
| Average total loans | $517,413,330 | 989 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 4,542 |
| Cost of funding earning assets | 0.1391% | 5,444 |
| Net interest margin | 3.4138% | 3,607 |
| Noninterest income to average assets | 1.2644% | 638 |
| Noninterest expense to average assets | 2.8012% | 2,787 |
| Loan and lease loss provision to assets | -0.1407% | 5,772 |
| Net operating income to assets | 1.6897% | 564 |
| Return on assets (ROA) | 1.6897% | 576 |
| Pretax return on assets | 1.6962% | 1,015 |
| Return on Equity (ROE) | 13.8577% | 833 |
| Retained earnings to average equity (ytd only) | 7.3034% | 1,748 |
| Net charge-offs to loans | -0.2707% | 5,673 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2957% | 3,781 |
| Assets per employee ($millions) | 3.7141% | 4,480 |
| Cash dividends to net income (ytd only)* | 47.2973% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,426 |
| Loan loss allowance to noncurrent loans | 203.7293% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4137% | 1,174 |
| Noncurrent loans to loans | 0.5633% | 3,117 |
| Net loans and leases to total assets | 51.8279% | 4,530 |
| Net loans and leases to deposits | 62.8572% | 4,377 |
| Net loans and leases to core deposits | 63.4240% | 4,569 |
| Total domestic deposits to total assets | 82.4533% | 4,038 |
| Equity capital to assets | 12.4743% | 1,561 |
| Core capital (leverage) ratio | 12.1732% | 1,522 |
| Tier 1 risk-based capital ratio | 17.7590% | 1,956 |
| Total risk-based capital ratio | 18.6234% | 2,020 |
| Memoranda: | ||
| Average total assets | $981,001,000 | 768 |
| Average earning assets | $888,628,000 | 771 |
| Average equity | $119,616,000 | 688 |
| Average total loans | $509,777,500 | 1,000 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5118% | 4,751 |
| Cost of funding earning assets | 0.0949% | 5,728 |
| Net interest margin | 3.4169% | 3,759 |
| Noninterest income to average assets | 1.4656% | 543 |
| Noninterest expense to average assets | 3.0173% | 2,296 |
| Loan and lease loss provision to assets | 0.0474% | 3,441 |
| Net operating income to assets | 1.4462% | 924 |
| Return on assets (ROA) | 1.4747% | 900 |
| Pretax return on assets | 1.4811% | 1,653 |
| Return on Equity (ROE) | 11.8550% | 1,289 |
| Retained earnings to average equity (ytd only) | 5.9972% | 1,707 |
| Net charge-offs to loans | 0.0896% | 2,417 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 31.6629% | 1,385 |
| Efficiency ratio | 66.7947% | 3,469 |
| Assets per employee ($millions) | 3.6486% | 4,545 |
| Cash dividends to net income (ytd only)* | 49.4117% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 3,321 |
| Loan loss allowance to noncurrent loans | 201.0907% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 1,213 |
| Noncurrent loans to loans | 0.5805% | 3,107 |
| Net loans and leases to total assets | 50.8998% | 4,698 |
| Net loans and leases to deposits | 61.2388% | 4,590 |
| Net loans and leases to core deposits | 61.7650% | 4,761 |
| Total domestic deposits to total assets | 83.1168% | 3,732 |
| Equity capital to assets | 11.9125% | 1,869 |
| Core capital (leverage) ratio | 12.7240% | 1,244 |
| Tier 1 risk-based capital ratio | 17.5728% | 1,984 |
| Total risk-based capital ratio | 18.4558% | 2,045 |
| Memoranda: | ||
| Average total assets | $939,351,600 | 766 |
| Average earning assets | $838,944,800 | 782 |
| Average equity | $116,853,600 | 683 |
| Average total loans | $496,839,200 | 980 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 4,813 |
| Cost of funding earning assets | 0.0962% | 5,784 |
| Net interest margin | 3.4001% | 3,837 |
| Noninterest income to average assets | 1.4811% | 547 |
| Noninterest expense to average assets | 2.8194% | 2,939 |
| Loan and lease loss provision to assets | 0.0469% | 3,308 |
| Net operating income to assets | 1.6407% | 669 |
| Return on assets (ROA) | 1.7461% | 578 |
| Pretax return on assets | 1.7529% | 991 |
| Return on Equity (ROE) | 13.8810% | 849 |
| Retained earnings to average equity (ytd only) | 6.9633% | 1,645 |
| Net charge-offs to loans | 0.0881% | 2,079 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 36.0978% | 1,317 |
| Efficiency ratio | 62.4614% | 4,146 |
| Assets per employee ($millions) | 3.5138% | 4,758 |
| Cash dividends to net income (ytd only)* | 49.8356% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,306 |
| Loan loss allowance to noncurrent loans | 179.2224% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5721% | 1,115 |
| Noncurrent loans to loans | 0.6633% | 3,043 |
| Net loans and leases to total assets | 52.6651% | 4,597 |
| Net loans and leases to deposits | 64.1151% | 4,479 |
| Net loans and leases to core deposits | 64.7270% | 4,687 |
| Total domestic deposits to total assets | 82.1415% | 3,905 |
| Equity capital to assets | 13.1527% | 1,415 |
| Core capital (leverage) ratio | 12.9629% | 1,203 |
| Tier 1 risk-based capital ratio | 17.6981% | 2,007 |
| Total risk-based capital ratio | 18.5945% | 2,079 |
| Memoranda: | ||
| Average total assets | $928,822,500 | 774 |
| Average earning assets | $828,457,500 | 794 |
| Average equity | $116,837,750 | 684 |
| Average total loans | $494,682,750 | 982 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 4,929 |
| Cost of funding earning assets | 0.0975% | 5,862 |
| Net interest margin | 3.3798% | 3,969 |
| Noninterest income to average assets | 1.3637% | 617 |
| Noninterest expense to average assets | 2.8298% | 2,922 |
| Loan and lease loss provision to assets | 0.0916% | 2,318 |
| Net operating income to assets | 1.4389% | 990 |
| Return on assets (ROA) | 1.5435% | 865 |
| Pretax return on assets | 1.5504% | 1,526 |
| Return on Equity (ROE) | 12.4601% | 1,168 |
| Retained earnings to average equity (ytd only) | 5.7116% | 2,290 |
| Net charge-offs to loans | 0.1720% | 1,311 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 16.7859% | 1,914 |
| Efficiency ratio | 64.7964% | 3,881 |
| Assets per employee ($millions) | 3.3793% | 4,953 |
| Cash dividends to net income (ytd only)* | 54.1608% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 3,438 |
| Loan loss allowance to noncurrent loans | 171.1137% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.7491% | 1,005 |
| Noncurrent loans to loans | 0.6923% | 3,002 |
| Net loans and leases to total assets | 55.3751% | 4,373 |
| Net loans and leases to deposits | 67.3866% | 4,236 |
| Net loans and leases to core deposits | 68.0617% | 4,467 |
| Total domestic deposits to total assets | 82.1753% | 3,946 |
| Equity capital to assets | 13.3911% | 1,286 |
| Core capital (leverage) ratio | 12.4021% | 1,406 |
| Tier 1 risk-based capital ratio | 17.4702% | 2,071 |
| Total risk-based capital ratio | 18.3761% | 2,134 |
| Memoranda: | ||
| Average total assets | $928,042,330 | 777 |
| Average earning assets | $824,716,000 | 802 |
| Average equity | $114,959,330 | 696 |
| Average total loans | $494,144,330 | 990 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 5,080 |
| Cost of funding earning assets | 0.0985% | 5,924 |
| Net interest margin | 3.3199% | 4,145 |
| Noninterest income to average assets | 1.1962% | 765 |
| Noninterest expense to average assets | 2.7802% | 3,145 |
| Loan and lease loss provision to assets | 0.0114% | 3,540 |
| Net operating income to assets | 1.3220% | 1,205 |
| Return on assets (ROA) | 1.3220% | 1,286 |
| Pretax return on assets | 1.3355% | 2,159 |
| Return on Equity (ROE) | 11.0934% | 1,572 |
| Retained earnings to average equity (ytd only) | 4.5018% | 3,237 |
| Net charge-offs to loans | 0.0219% | 2,492 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 118.1852% | 476 |
| Efficiency ratio | 67.3655% | 3,568 |
| Assets per employee ($millions) | 3.6612% | 4,540 |
| Cash dividends to net income (ytd only)* | 59.4189% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 3,537 |
| Loan loss allowance to noncurrent loans | 321.8767% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 1.4897% | 1,374 |
| Noncurrent loans to loans | 0.3699% | 4,110 |
| Net loans and leases to total assets | 52.2406% | 4,610 |
| Net loans and leases to deposits | 62.8666% | 4,520 |
| Net loans and leases to core deposits | 63.4812% | 4,727 |
| Total domestic deposits to total assets | 83.0975% | 3,861 |
| Equity capital to assets | 12.2391% | 1,865 |
| Core capital (leverage) ratio | 11.7389% | 1,803 |
| Tier 1 risk-based capital ratio | 16.6364% | 2,427 |
| Total risk-based capital ratio | 17.5157% | 2,525 |
| Memoranda: | ||
| Average total assets | $947,686,000 | 764 |
| Average earning assets | $836,654,000 | 794 |
| Average equity | $112,932,000 | 711 |
| Average total loans | $492,192,000 | 987 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 4,901 |
| Cost of funding earning assets | 0.0875% | 6,009 |
| Net interest margin | 3.4197% | 3,839 |
| Noninterest income to average assets | 1.3493% | 663 |
| Noninterest expense to average assets | 3.0324% | 2,440 |
| Loan and lease loss provision to assets | 0.1134% | 2,112 |
| Net operating income to assets | 1.1772% | 1,638 |
| Return on assets (ROA) | 1.1806% | 1,695 |
| Pretax return on assets | 1.1848% | 2,713 |
| Return on Equity (ROE) | 9.7138% | 2,125 |
| Retained earnings to average equity (ytd only) | 4.0016% | 3,178 |
| Net charge-offs to loans | 0.2152% | 1,369 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 11.4188% | 2,578 |
| Efficiency ratio | 70.0786% | 3,209 |
| Assets per employee ($millions) | 3.6993% | 4,481 |
| Cash dividends to net income (ytd only)* | 58.8055% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,442 |
| Loan loss allowance to noncurrent loans | 432.2344% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 1.4139% | 1,477 |
| Noncurrent loans to loans | 0.2792% | 4,461 |
| Net loans and leases to total assets | 50.4068% | 4,835 |
| Net loans and leases to deposits | 61.3978% | 4,676 |
| Net loans and leases to core deposits | 61.9424% | 4,880 |
| Total domestic deposits to total assets | 82.0988% | 4,146 |
| Equity capital to assets | 11.6011% | 2,279 |
| Core capital (leverage) ratio | 12.2845% | 1,461 |
| Tier 1 risk-based capital ratio | 15.9026% | 2,735 |
| Total risk-based capital ratio | 16.7544% | 2,867 |
| Memoranda: | ||
| Average total assets | $911,911,400 | 755 |
| Average earning assets | $794,110,400 | 790 |
| Average equity | $110,831,600 | 690 |
| Average total loans | $480,544,800 | 969 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 4,968 |
| Cost of funding earning assets | 0.0902% | 6,089 |
| Net interest margin | 3.4166% | 3,886 |
| Noninterest income to average assets | 1.3874% | 643 |
| Noninterest expense to average assets | 2.8826% | 2,903 |
| Loan and lease loss provision to assets | 0.1211% | 1,878 |
| Net operating income to assets | 1.3587% | 1,205 |
| Return on assets (ROA) | 1.3627% | 1,249 |
| Pretax return on assets | 1.3677% | 2,144 |
| Return on Equity (ROE) | 11.0780% | 1,682 |
| Retained earnings to average equity (ytd only) | 4.4062% | 3,339 |
| Net charge-offs to loans | 0.2279% | 1,149 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 12.2579% | 2,419 |
| Efficiency ratio | 66.0021% | 3,891 |
| Assets per employee ($millions) | 3.3308% | 5,081 |
| Cash dividends to net income (ytd only)* | 60.2260% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 3,608 |
| Loan loss allowance to noncurrent loans | 207.3085% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 1.8355% | 1,155 |
| Noncurrent loans to loans | 0.5826% | 3,586 |
| Net loans and leases to total assets | 54.0640% | 4,561 |
| Net loans and leases to deposits | 64.9555% | 4,471 |
| Net loans and leases to core deposits | 65.6928% | 4,713 |
| Total domestic deposits to total assets | 83.2324% | 3,723 |
| Equity capital to assets | 12.6269% | 1,671 |
| Core capital (leverage) ratio | 12.2841% | 1,524 |
| Tier 1 risk-based capital ratio | 15.8698% | 2,856 |
| Total risk-based capital ratio | 16.7250% | 2,990 |
| Memoranda: | ||
| Average total assets | $900,360,250 | 771 |
| Average earning assets | $785,313,000 | 807 |
| Average equity | $110,751,500 | 693 |
| Average total loans | $478,467,000 | 974 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 5,140 |
| Cost of funding earning assets | 0.0933% | 6,157 |
| Net interest margin | 3.3448% | 4,122 |
| Noninterest income to average assets | 1.3545% | 669 |
| Noninterest expense to average assets | 2.8640% | 3,017 |
| Loan and lease loss provision to assets | 0.1486% | 1,443 |
| Net operating income to assets | 1.2497% | 1,465 |
| Return on assets (ROA) | 1.2497% | 1,527 |
| Pretax return on assets | 1.2566% | 2,523 |
| Return on Equity (ROE) | 10.2491% | 1,958 |
| Retained earnings to average equity (ytd only) | 3.4333% | 3,860 |
| Net charge-offs to loans | 0.2825% | 929 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 9.4545% | 2,449 |
| Efficiency ratio | 67.0852% | 3,818 |
| Assets per employee ($millions) | 3.2984% | 5,171 |
| Cash dividends to net income (ytd only)* | 66.5012% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 3,573 |
| Loan loss allowance to noncurrent loans | 157.7118% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.8383% | 1,246 |
| Noncurrent loans to loans | 0.7853% | 3,139 |
| Net loans and leases to total assets | 53.4229% | 4,622 |
| Net loans and leases to deposits | 63.6280% | 4,566 |
| Net loans and leases to core deposits | 64.4611% | 4,780 |
| Total domestic deposits to total assets | 83.9614% | 3,582 |
| Equity capital to assets | 12.4712% | 1,678 |
| Core capital (leverage) ratio | 11.9841% | 1,671 |
| Tier 1 risk-based capital ratio | 15.7626% | 2,970 |
| Total risk-based capital ratio | 16.6271% | 3,106 |
| Memoranda: | ||
| Average total assets | $902,930,670 | 775 |
| Average earning assets | $786,836,330 | 810 |
| Average equity | $110,097,330 | 702 |
| Average total loans | $475,122,000 | 978 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 5,640 |
| Cost of funding earning assets | 0.1000% | 6,210 |
| Net interest margin | 3.1047% | 4,934 |
| Noninterest income to average assets | 1.2301% | 750 |
| Noninterest expense to average assets | 2.8755% | 2,990 |
| Loan and lease loss provision to assets | 0.1628% | 1,237 |
| Net operating income to assets | 0.8778% | 2,853 |
| Return on assets (ROA) | 0.8778% | 2,983 |
| Pretax return on assets | 0.8818% | 3,956 |
| Return on Equity (ROE) | 7.2793% | 3,346 |
| Retained earnings to average equity (ytd only) | 2.1555% | 4,602 |
| Net charge-offs to loans | 0.3136% | 759 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 6.4167% | 2,294 |
| Efficiency ratio | 73.3534% | 2,932 |
| Assets per employee ($millions) | 3.2857% | 5,262 |
| Cash dividends to net income (ytd only)* | 70.3888% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 3,754 |
| Loan loss allowance to noncurrent loans | 143.0303% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.7125% | 1,463 |
| Noncurrent loans to loans | 0.8652% | 3,082 |
| Net loans and leases to total assets | 52.4937% | 4,614 |
| Net loans and leases to deposits | 62.2448% | 4,555 |
| Net loans and leases to core deposits | 63.0748% | 4,773 |
| Total domestic deposits to total assets | 84.3342% | 3,682 |
| Equity capital to assets | 12.4597% | 1,719 |
| Core capital (leverage) ratio | 11.7910% | 1,788 |
| Tier 1 risk-based capital ratio | 15.7033% | 3,057 |
| Total risk-based capital ratio | 16.5737% | 3,178 |
| Memoranda: | ||
| Average total assets | $914,059,000 | 765 |
| Average earning assets | $791,970,500 | 805 |
| Average equity | $110,230,500 | 698 |
| Average total loans | $474,492,000 | 981 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3117% | 5,688 |
| Cost of funding earning assets | 0.1124% | 6,291 |
| Net interest margin | 3.1993% | 4,920 |
| Noninterest income to average assets | 1.2980% | 722 |
| Noninterest expense to average assets | 3.2514% | 2,074 |
| Loan and lease loss provision to assets | -0.1353% | 6,210 |
| Net operating income to assets | 0.9428% | 2,658 |
| Return on assets (ROA) | 0.9600% | 2,662 |
| Pretax return on assets | 0.9652% | 3,626 |
| Return on Equity (ROE) | 7.9795% | 3,148 |
| Retained earnings to average equity (ytd only) | 3.9266% | 3,419 |
| Net charge-offs to loans | -0.2949% | 6,329 |
| Credit loss provision to net charge-offs | 92.2179% | 2,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0067% | 1,927 |
| Assets per employee ($millions) | 3.4107% | 5,032 |
| Cash dividends to net income (ytd only)* | 50.7912% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,723 |
| Loan loss allowance to noncurrent loans | 157.2495% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.6083% | 1,679 |
| Noncurrent loans to loans | 0.7945% | 3,320 |
| Net loans and leases to total assets | 50.0813% | 4,970 |
| Net loans and leases to deposits | 61.4893% | 4,763 |
| Net loans and leases to core deposits | 62.2488% | 4,983 |
| Total domestic deposits to total assets | 81.4472% | 4,614 |
| Equity capital to assets | 11.6739% | 2,278 |
| Core capital (leverage) ratio | 12.2673% | 1,466 |
| Tier 1 risk-based capital ratio | 16.4319% | 2,745 |
| Total risk-based capital ratio | 17.3455% | 2,857 |
| Memoranda: | ||
| Average total assets | $875,552,800 | 764 |
| Average earning assets | $756,944,000 | 810 |
| Average equity | $105,332,000 | 691 |
| Average total loans | $435,706,000 | 1,013 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 5,724 |
| Cost of funding earning assets | 0.1163% | 6,355 |
| Net interest margin | 3.2058% | 4,946 |
| Noninterest income to average assets | 1.3244% | 691 |
| Noninterest expense to average assets | 3.1353% | 2,365 |
| Loan and lease loss provision to assets | 0.0508% | 3,356 |
| Net operating income to assets | 0.9043% | 2,898 |
| Return on assets (ROA) | 0.9179% | 2,928 |
| Pretax return on assets | 0.9201% | 3,903 |
| Return on Equity (ROE) | 7.5692% | 3,411 |
| Retained earnings to average equity (ytd only) | 3.1415% | 4,386 |
| Net charge-offs to loans | 0.1025% | 2,769 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 18.8599% | 1,813 |
| Efficiency ratio | 76.6107% | 2,397 |
| Assets per employee ($millions) | 3.1435% | 5,525 |
| Cash dividends to net income (ytd only)* | 58.4962% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 3,661 |
| Loan loss allowance to noncurrent loans | 161.6950% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.7256% | 1,738 |
| Noncurrent loans to loans | 0.8021% | 3,575 |
| Net loans and leases to total assets | 51.0620% | 4,888 |
| Net loans and leases to deposits | 61.3391% | 4,810 |
| Net loans and leases to core deposits | 62.1429% | 5,025 |
| Total domestic deposits to total assets | 83.2455% | 4,051 |
| Equity capital to assets | 12.3811% | 1,788 |
| Core capital (leverage) ratio | 12.5205% | 1,390 |
| Tier 1 risk-based capital ratio | 16.9491% | 2,635 |
| Total risk-based capital ratio | 17.8894% | 2,708 |
| Memoranda: | ||
| Average total assets | $861,661,000 | 780 |
| Average earning assets | $743,997,500 | 829 |
| Average equity | $104,490,500 | 697 |
| Average total loans | $426,578,250 | 1,031 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2598% | 5,857 |
| Cost of funding earning assets | 0.1207% | 6,409 |
| Net interest margin | 3.1392% | 5,124 |
| Noninterest income to average assets | 1.3015% | 704 |
| Noninterest expense to average assets | 3.2751% | 1,982 |
| Loan and lease loss provision to assets | 0.0518% | 3,266 |
| Net operating income to assets | 0.6827% | 3,927 |
| Return on assets (ROA) | 0.6827% | 4,027 |
| Pretax return on assets | 0.6829% | 4,704 |
| Return on Equity (ROE) | 5.6694% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.1250% | 5,306 |
| Net charge-offs to loans | 0.1063% | 2,618 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 14.1794% | 1,924 |
| Efficiency ratio | 81.6770% | 1,781 |
| Assets per employee ($millions) | 2.9962% | 5,754 |
| Cash dividends to net income (ytd only)* | 80.1566% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 3,588 |
| Loan loss allowance to noncurrent loans | 185.1852% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.8747% | 1,736 |
| Noncurrent loans to loans | 0.7287% | 3,874 |
| Net loans and leases to total assets | 50.1833% | 4,945 |
| Net loans and leases to deposits | 59.6789% | 4,887 |
| Net loans and leases to core deposits | 60.5589% | 5,098 |
| Total domestic deposits to total assets | 84.0888% | 3,894 |
| Equity capital to assets | 12.4780% | 1,660 |
| Core capital (leverage) ratio | 12.1557% | 1,569 |
| Tier 1 risk-based capital ratio | 17.1176% | 2,571 |
| Total risk-based capital ratio | 18.0864% | 2,657 |
| Memoranda: | ||
| Average total assets | $860,725,330 | 782 |
| Average earning assets | $742,619,000 | 827 |
| Average equity | $103,643,670 | 704 |
| Average total loans | $419,699,330 | 1,042 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0768% | 6,149 |
| Cost of funding earning assets | 0.1289% | 6,452 |
| Net interest margin | 2.9479% | 5,646 |
| Noninterest income to average assets | 1.3318% | 650 |
| Noninterest expense to average assets | 3.6707% | 1,175 |
| Loan and lease loss provision to assets | 0.0470% | 3,156 |
| Net operating income to assets | 0.1630% | 5,903 |
| Return on assets (ROA) | 0.1630% | 5,942 |
| Pretax return on assets | 0.1630% | 5,991 |
| Return on Equity (ROE) | 1.3781% | 5,957 |
| Retained earnings to average equity (ytd only) | -1.9348% | 5,851 |
| Net charge-offs to loans | 0.0984% | 2,183 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 4.4706% | 2,521 |
| Efficiency ratio | 94.5888% | 718 |
| Assets per employee ($millions) | 3.1036% | 5,683 |
| Cash dividends to net income (ytd only)* | 240.3955% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 3,649 |
| Loan loss allowance to noncurrent loans | 180.0124% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.9295% | 1,781 |
| Noncurrent loans to loans | 0.7732% | 3,929 |
| Net loans and leases to total assets | 48.1455% | 5,108 |
| Net loans and leases to deposits | 57.5974% | 4,979 |
| Net loans and leases to core deposits | 58.5085% | 5,162 |
| Total domestic deposits to total assets | 83.5896% | 4,422 |
| Equity capital to assets | 12.0635% | 1,830 |
| Core capital (leverage) ratio | 11.7074% | 1,826 |
| Tier 1 risk-based capital ratio | 17.6478% | 2,435 |
| Total risk-based capital ratio | 18.6639% | 2,477 |
| Memoranda: | ||
| Average total assets | $868,617,500 | 781 |
| Average earning assets | $751,040,500 | 829 |
| Average equity | $102,749,500 | 708 |
| Average total loans | $414,639,500 | 1,057 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3373% | 5,936 |
| Cost of funding earning assets | 0.1491% | 6,542 |
| Net interest margin | 3.1882% | 5,039 |
| Noninterest income to average assets | 1.2586% | 875 |
| Noninterest expense to average assets | 3.0526% | 2,889 |
| Loan and lease loss provision to assets | 0.1813% | 2,033 |
| Net operating income to assets | 0.7802% | 3,391 |
| Return on assets (ROA) | 0.8438% | 3,147 |
| Pretax return on assets | 0.8470% | 3,976 |
| Return on Equity (ROE) | 6.8962% | 3,619 |
| Retained earnings to average equity (ytd only) | 1.7638% | 4,977 |
| Net charge-offs to loans | 0.5968% | 1,102 |
| Credit loss provision to net charge-offs | 60.4430% | 3,548 |
| Earnings coverage of net charge-offs (x) | 3.2164% | 3,924 |
| Efficiency ratio | 75.9857% | 2,771 |
| Assets per employee ($millions) | 3.3349% | 5,217 |
| Cash dividends to net income (ytd only)* | 74.4235% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 3,626 |
| Loan loss allowance to noncurrent loans | 202.7972% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 1.8658% | 1,958 |
| Noncurrent loans to loans | 0.6932% | 4,244 |
| Net loans and leases to total assets | 46.0271% | 5,482 |
| Net loans and leases to deposits | 55.3500% | 5,360 |
| Net loans and leases to core deposits | 56.1223% | 5,525 |
| Total domestic deposits to total assets | 83.1565% | 4,490 |
| Equity capital to assets | 11.6027% | 2,095 |
| Core capital (leverage) ratio | 12.2793% | 1,457 |
| Tier 1 risk-based capital ratio | 18.4683% | 2,092 |
| Total risk-based capital ratio | 19.5306% | 2,115 |
| Memoranda: | ||
| Average total assets | $842,813,000 | 789 |
| Average earning assets | $729,280,400 | 835 |
| Average equity | $103,128,800 | 691 |
| Average total loans | $423,626,000 | 1,011 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 5,862 |
| Cost of funding earning assets | 0.1566% | 6,614 |
| Net interest margin | 3.2535% | 4,813 |
| Noninterest income to average assets | 1.2760% | 901 |
| Noninterest expense to average assets | 3.1445% | 2,517 |
| Loan and lease loss provision to assets | 0.1806% | 2,014 |
| Net operating income to assets | 0.7631% | 3,540 |
| Return on assets (ROA) | 0.8159% | 3,395 |
| Pretax return on assets | 0.8191% | 4,226 |
| Return on Equity (ROE) | 6.5777% | 3,885 |
| Retained earnings to average equity (ytd only) | 0.7372% | 5,682 |
| Net charge-offs to loans | 0.6654% | 910 |
| Credit loss provision to net charge-offs | 53.0075% | 3,437 |
| Earnings coverage of net charge-offs (x) | 2.7787% | 3,908 |
| Efficiency ratio | 76.8562% | 2,587 |
| Assets per employee ($millions) | 3.0577% | 5,754 |
| Cash dividends to net income (ytd only)* | 88.7930% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 3,948 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 2.2208% | 1,793 |
| Noncurrent loans to loans | 0.4163% | 5,152 |
| Net loans and leases to total assets | 49.2005% | 5,223 |
| Net loans and leases to deposits | 59.1817% | 5,076 |
| Net loans and leases to core deposits | 60.0471% | 5,299 |
| Total domestic deposits to total assets | 83.1346% | 4,528 |
| Equity capital to assets | 12.1851% | 1,797 |
| Core capital (leverage) ratio | 12.4044% | 1,468 |
| Tier 1 risk-based capital ratio | 18.1460% | 2,268 |
| Total risk-based capital ratio | 19.1988% | 2,310 |
| Memoranda: | ||
| Average total assets | $832,578,500 | 796 |
| Average earning assets | $720,486,750 | 849 |
| Average equity | $103,276,250 | 694 |
| Average total loans | $426,391,250 | 1,008 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 5,868 |
| Cost of funding earning assets | 0.1638% | 6,653 |
| Net interest margin | 3.2521% | 4,766 |
| Noninterest income to average assets | 1.2814% | 940 |
| Noninterest expense to average assets | 3.2377% | 2,250 |
| Loan and lease loss provision to assets | 0.1391% | 2,588 |
| Net operating income to assets | 0.7251% | 3,693 |
| Return on assets (ROA) | 0.7279% | 3,845 |
| Pretax return on assets | 0.7279% | 4,585 |
| Return on Equity (ROE) | 5.8337% | 4,263 |
| Retained earnings to average equity (ytd only) | -0.5035% | 5,959 |
| Net charge-offs to loans | 0.5023% | 1,306 |
| Credit loss provision to net charge-offs | 53.6178% | 3,144 |
| Earnings coverage of net charge-offs (x) | 3.3302% | 3,425 |
| Efficiency ratio | 78.9319% | 2,313 |
| Assets per employee ($millions) | 3.0796% | 5,718 |
| Cash dividends to net income (ytd only)* | 108.6310% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 3,608 |
| Loan loss allowance to noncurrent loans | 105.5100% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 2.7938% | 1,483 |
| Noncurrent loans to loans | 1.4178% | 3,171 |
| Net loans and leases to total assets | 51.2193% | 4,967 |
| Net loans and leases to deposits | 61.9519% | 4,753 |
| Net loans and leases to core deposits | 62.9447% | 5,014 |
| Total domestic deposits to total assets | 82.6759% | 4,822 |
| Equity capital to assets | 12.6945% | 1,471 |
| Core capital (leverage) ratio | 12.3447% | 1,439 |
| Tier 1 risk-based capital ratio | 18.6256% | 2,107 |
| Total risk-based capital ratio | 19.8060% | 2,082 |
| Memoranda: | ||
| Average total assets | $830,838,330 | 799 |
| Average earning assets | $720,573,670 | 845 |
| Average equity | $103,672,670 | 694 |
| Average total loans | $429,188,000 | 988 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3047% | 6,149 |
| Cost of funding earning assets | 0.1716% | 6,717 |
| Net interest margin | 3.1331% | 5,148 |
| Noninterest income to average assets | 1.3308% | 871 |
| Noninterest expense to average assets | 3.6677% | 1,300 |
| Loan and lease loss provision to assets | 0.0946% | 3,084 |
| Net operating income to assets | 0.2943% | 5,589 |
| Return on assets (ROA) | 0.2943% | 5,711 |
| Pretax return on assets | 0.2943% | 5,864 |
| Return on Equity (ROE) | 2.3785% | 5,823 |
| Retained earnings to average equity (ytd only) | -5.5216% | 6,400 |
| Net charge-offs to loans | 0.1837% | 2,301 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 4.1106% | 2,612 |
| Efficiency ratio | 90.4126% | 1,106 |
| Assets per employee ($millions) | 3.1456% | 5,731 |
| Cash dividends to net income (ytd only)* | 332.1486% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,487 |
| Loan loss allowance to noncurrent loans | 106.2334% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 2.9326% | 1,538 |
| Noncurrent loans to loans | 1.4869% | 3,325 |
| Net loans and leases to total assets | 52.0055% | 4,704 |
| Net loans and leases to deposits | 62.9613% | 4,427 |
| Net loans and leases to core deposits | 63.9478% | 4,746 |
| Total domestic deposits to total assets | 82.5992% | 4,991 |
| Equity capital to assets | 12.6965% | 1,590 |
| Core capital (leverage) ratio | 11.9314% | 1,609 |
| Tier 1 risk-based capital ratio | 18.1278% | 2,308 |
| Total risk-based capital ratio | 19.3796% | 2,274 |
| Memoranda: | ||
| Average total assets | $841,290,000 | 795 |
| Average earning assets | $731,924,500 | 840 |
| Average equity | $104,100,500 | 699 |
| Average total loans | $433,210,500 | 987 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 5,895 |
| Cost of funding earning assets | 0.2278% | 6,761 |
| Net interest margin | 3.5454% | 4,316 |
| Noninterest income to average assets | 1.0514% | 1,403 |
| Noninterest expense to average assets | 2.9896% | 3,313 |
| Loan and lease loss provision to assets | 0.1745% | 3,435 |
| Net operating income to assets | 0.8959% | 2,844 |
| Return on assets (ROA) | 0.9700% | 2,693 |
| Pretax return on assets | 0.9819% | 3,609 |
| Return on Equity (ROE) | 7.6652% | 3,253 |
| Retained earnings to average equity (ytd only) | 2.8769% | 4,219 |
| Net charge-offs to loans | 0.4306% | 2,513 |
| Credit loss provision to net charge-offs | 78.0340% | 3,891 |
| Earnings coverage of net charge-offs (x) | 4.8375% | 3,236 |
| Efficiency ratio | 73.4333% | 3,166 |
| Assets per employee ($millions) | 3.3125% | 5,393 |
| Cash dividends to net income (ytd only)* | 62.4684% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,476 |
| Loan loss allowance to noncurrent loans | 204.6960% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 2.3243% | 2,114 |
| Noncurrent loans to loans | 0.7620% | 4,660 |
| Net loans and leases to total assets | 49.4460% | 5,248 |
| Net loans and leases to deposits | 59.6673% | 5,060 |
| Net loans and leases to core deposits | 60.9034% | 5,284 |
| Total domestic deposits to total assets | 82.8695% | 4,774 |
| Equity capital to assets | 12.0711% | 2,003 |
| Core capital (leverage) ratio | 12.4764% | 1,329 |
| Tier 1 risk-based capital ratio | 18.3530% | 2,155 |
| Total risk-based capital ratio | 19.5910% | 2,121 |
| Memoranda: | ||
| Average total assets | $814,458,600 | 811 |
| Average earning assets | $693,719,400 | 872 |
| Average equity | $103,062,600 | 689 |
| Average total loans | $422,854,000 | 989 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 5,881 |
| Cost of funding earning assets | 0.2436% | 6,836 |
| Net interest margin | 3.6183% | 4,156 |
| Noninterest income to average assets | 0.9806% | 1,559 |
| Noninterest expense to average assets | 3.0838% | 2,931 |
| Loan and lease loss provision to assets | 0.1688% | 3,431 |
| Net operating income to assets | 0.8011% | 3,448 |
| Return on assets (ROA) | 0.8397% | 3,510 |
| Pretax return on assets | 0.8441% | 4,325 |
| Return on Equity (ROE) | 6.5536% | 4,042 |
| Retained earnings to average equity (ytd only) | 2.0759% | 5,287 |
| Net charge-offs to loans | 0.6082% | 1,811 |
| Credit loss provision to net charge-offs | 52.9781% | 4,327 |
| Earnings coverage of net charge-offs (x) | 3.0575% | 3,809 |
| Efficiency ratio | 75.9977% | 2,681 |
| Assets per employee ($millions) | 3.0654% | 5,933 |
| Cash dividends to net income (ytd only)* | 68.3251% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 4,027 |
| Loan loss allowance to noncurrent loans | 126.9905% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 3.1916% | 1,614 |
| Noncurrent loans to loans | 1.1670% | 4,116 |
| Net loans and leases to total assets | 52.5469% | 4,977 |
| Net loans and leases to deposits | 64.2052% | 4,687 |
| Net loans and leases to core deposits | 65.3950% | 5,013 |
| Total domestic deposits to total assets | 81.8422% | 5,075 |
| Equity capital to assets | 13.1035% | 1,545 |
| Core capital (leverage) ratio | 12.3419% | 1,479 |
| Tier 1 risk-based capital ratio | 18.4929% | 2,171 |
| Total risk-based capital ratio | 19.6767% | 2,158 |
| Memoranda: | ||
| Average total assets | $801,103,750 | 828 |
| Average earning assets | $681,301,500 | 894 |
| Average equity | $102,637,750 | 694 |
| Average total loans | $419,584,750 | 1,001 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 5,898 |
| Cost of funding earning assets | 0.2623% | 6,874 |
| Net interest margin | 3.6437% | 4,065 |
| Noninterest income to average assets | 0.9401% | 1,647 |
| Noninterest expense to average assets | 3.2004% | 2,588 |
| Loan and lease loss provision to assets | 0.1770% | 3,328 |
| Net operating income to assets | 0.6479% | 4,123 |
| Return on assets (ROA) | 0.6620% | 4,314 |
| Pretax return on assets | 0.6654% | 4,923 |
| Return on Equity (ROE) | 5.2059% | 4,705 |
| Retained earnings to average equity (ytd only) | -0.4136% | 6,106 |
| Net charge-offs to loans | 0.7703% | 1,429 |
| Credit loss provision to net charge-offs | 44.1268% | 4,167 |
| Earnings coverage of net charge-offs (x) | 2.0653% | 3,956 |
| Efficiency ratio | 79.4420% | 2,272 |
| Assets per employee ($millions) | 3.2910% | 5,461 |
| Cash dividends to net income (ytd only)* | 107.9443% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,943 |
| Loan loss allowance to noncurrent loans | 153.6455% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 2.9693% | 1,853 |
| Noncurrent loans to loans | 0.9860% | 4,534 |
| Net loans and leases to total assets | 49.7887% | 5,380 |
| Net loans and leases to deposits | 60.0087% | 5,235 |
| Net loans and leases to core deposits | 61.1193% | 5,482 |
| Total domestic deposits to total assets | 82.9691% | 4,769 |
| Equity capital to assets | 12.4381% | 1,851 |
| Core capital (leverage) ratio | 12.2603% | 1,466 |
| Tier 1 risk-based capital ratio | 18.4991% | 2,133 |
| Total risk-based capital ratio | 19.7050% | 2,101 |
| Memoranda: | ||
| Average total assets | $802,473,000 | 823 |
| Average earning assets | $680,193,670 | 895 |
| Average equity | $102,039,000 | 698 |
| Average total loans | $417,747,330 | 1,002 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 5,730 |
| Cost of funding earning assets | 0.2846% | 6,891 |
| Net interest margin | 3.7244% | 3,714 |
| Noninterest income to average assets | 0.9471% | 1,577 |
| Noninterest expense to average assets | 3.6605% | 1,448 |
| Loan and lease loss provision to assets | 0.1398% | 3,606 |
| Net operating income to assets | 0.2787% | 5,725 |
| Return on assets (ROA) | 0.3074% | 5,803 |
| Pretax return on assets | 0.3074% | 5,967 |
| Return on Equity (ROE) | 2.3908% | 5,946 |
| Retained earnings to average equity (ytd only) | -1.0482% | 6,161 |
| Net charge-offs to loans | 1.1236% | 917 |
| Credit loss provision to net charge-offs | 23.5544% | 3,730 |
| Earnings coverage of net charge-offs (x) | 0.7049% | 3,987 |
| Efficiency ratio | 89.7401% | 1,121 |
| Assets per employee ($millions) | 3.1177% | 5,925 |
| Cash dividends to net income (ytd only)* | 143.8424% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 4,059 |
| Loan loss allowance to noncurrent loans | 202.8001% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 3.0549% | 1,908 |
| Noncurrent loans to loans | 0.7504% | 5,160 |
| Net loans and leases to total assets | 51.6902% | 5,062 |
| Net loans and leases to deposits | 63.0247% | 4,769 |
| Net loans and leases to core deposits | 64.1839% | 5,092 |
| Total domestic deposits to total assets | 82.0159% | 5,292 |
| Equity capital to assets | 12.9065% | 1,482 |
| Core capital (leverage) ratio | 12.3307% | 1,420 |
| Tier 1 risk-based capital ratio | 18.5134% | 2,144 |
| Total risk-based capital ratio | 19.7216% | 2,126 |
| Memoranda: | ||
| Average total assets | $792,340,000 | 839 |
| Average earning assets | $666,311,000 | 916 |
| Average equity | $101,892,000 | 699 |
| Average total loans | $418,655,000 | 995 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 5,949 |
| Cost of funding earning assets | 0.3940% | 6,901 |
| Net interest margin | 3.8442% | 3,601 |
| Noninterest income to average assets | 1.3382% | 724 |
| Noninterest expense to average assets | 3.0967% | 3,209 |
| Loan and lease loss provision to assets | 0.5044% | 2,086 |
| Net operating income to assets | 0.9812% | 2,275 |
| Return on assets (ROA) | 1.0658% | 2,076 |
| Pretax return on assets | 1.0658% | 2,976 |
| Return on Equity (ROE) | 8.3549% | 2,737 |
| Retained earnings to average equity (ytd only) | 2.4382% | 4,483 |
| Net charge-offs to loans | 1.0648% | 1,626 |
| Credit loss provision to net charge-offs | 84.8681% | 4,246 |
| Earnings coverage of net charge-offs (x) | 2.4998% | 3,963 |
| Efficiency ratio | 67.5797% | 4,447 |
| Assets per employee ($millions) | 3.2093% | 5,689 |
| Cash dividends to net income (ytd only)* | 70.8173% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 3,200 |
| Loan loss allowance to noncurrent loans | 91.2432% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 3.7182% | 1,572 |
| Noncurrent loans to loans | 1.8642% | 3,395 |
| Net loans and leases to total assets | 52.2788% | 5,267 |
| Net loans and leases to deposits | 63.2885% | 5,091 |
| Net loans and leases to core deposits | 64.5787% | 5,405 |
| Total domestic deposits to total assets | 82.6039% | 4,922 |
| Equity capital to assets | 12.8131% | 1,590 |
| Core capital (leverage) ratio | 12.8555% | 1,197 |
| Tier 1 risk-based capital ratio | 17.4209% | 2,410 |
| Total risk-based capital ratio | 18.6715% | 2,378 |
| Memoranda: | ||
| Average total assets | $778,413,600 | 845 |
| Average earning assets | $656,880,600 | 905 |
| Average equity | $99,294,600 | 692 |
| Average total loans | $434,446,200 | 960 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 5,807 |
| Cost of funding earning assets | 0.4203% | 6,961 |
| Net interest margin | 3.9214% | 3,269 |
| Noninterest income to average assets | 1.3107% | 762 |
| Noninterest expense to average assets | 3.1491% | 2,999 |
| Loan and lease loss provision to assets | 0.5822% | 1,689 |
| Net operating income to assets | 0.9014% | 2,735 |
| Return on assets (ROA) | 0.9737% | 2,584 |
| Pretax return on assets | 0.9737% | 3,507 |
| Return on Equity (ROE) | 7.6424% | 3,203 |
| Retained earnings to average equity (ytd only) | 0.7517% | 5,710 |
| Net charge-offs to loans | 1.0691% | 1,486 |
| Credit loss provision to net charge-offs | 96.4062% | 3,560 |
| Earnings coverage of net charge-offs (x) | 2.4566% | 3,897 |
| Efficiency ratio | 67.9755% | 4,319 |
| Assets per employee ($millions) | 2.9576% | 6,214 |
| Cash dividends to net income (ytd only)* | 90.1646% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,651 |
| Loan loss allowance to noncurrent loans | 142.4070% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 3.5336% | 1,781 |
| Noncurrent loans to loans | 1.3263% | 4,317 |
| Net loans and leases to total assets | 53.9669% | 5,165 |
| Net loans and leases to deposits | 66.5530% | 4,819 |
| Net loans and leases to core deposits | 68.2346% | 5,156 |
| Total domestic deposits to total assets | 81.0886% | 5,401 |
| Equity capital to assets | 13.4494% | 1,390 |
| Core capital (leverage) ratio | 12.5079% | 1,431 |
| Tier 1 risk-based capital ratio | 17.5168% | 2,437 |
| Total risk-based capital ratio | 18.7696% | 2,408 |
| Memoranda: | ||
| Average total assets | $774,041,500 | 855 |
| Average earning assets | $655,733,250 | 909 |
| Average equity | $98,623,250 | 699 |
| Average total loans | $437,235,750 | 968 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 5,969 |
| Cost of funding earning assets | 0.4437% | 7,031 |
| Net interest margin | 3.8718% | 3,430 |
| Noninterest income to average assets | 1.3501% | 699 |
| Noninterest expense to average assets | 3.2557% | 2,714 |
| Loan and lease loss provision to assets | 0.7511% | 1,241 |
| Net operating income to assets | 0.6391% | 3,866 |
| Return on assets (ROA) | 0.7012% | 3,650 |
| Pretax return on assets | 0.7012% | 4,383 |
| Return on Equity (ROE) | 5.6028% | 4,152 |
| Retained earnings to average equity (ytd only) | -2.7667% | 6,348 |
| Net charge-offs to loans | 1.3747% | 1,104 |
| Credit loss provision to net charge-offs | 95.9204% | 3,279 |
| Earnings coverage of net charge-offs (x) | 1.7755% | 3,981 |
| Efficiency ratio | 70.0770% | 4,111 |
| Assets per employee ($millions) | 2.9590% | 6,170 |
| Cash dividends to net income (ytd only)* | 149.3805% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 2,864 |
| Loan loss allowance to noncurrent loans | 166.5239% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 3.6981% | 1,758 |
| Noncurrent loans to loans | 1.1041% | 4,826 |
| Net loans and leases to total assets | 54.3767% | 5,242 |
| Net loans and leases to deposits | 67.4878% | 4,787 |
| Net loans and leases to core deposits | 69.2938% | 5,151 |
| Total domestic deposits to total assets | 80.5726% | 5,664 |
| Equity capital to assets | 12.8396% | 1,603 |
| Core capital (leverage) ratio | 11.9478% | 1,628 |
| Tier 1 risk-based capital ratio | 16.8389% | 2,592 |
| Total risk-based capital ratio | 18.0907% | 2,556 |
| Memoranda: | ||
| Average total assets | $782,629,000 | 855 |
| Average earning assets | $666,205,670 | 909 |
| Average equity | $97,951,330 | 701 |
| Average total loans | $445,782,000 | 967 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 6,463 |
| Cost of funding earning assets | 0.4483% | 7,114 |
| Net interest margin | 3.6727% | 4,235 |
| Noninterest income to average assets | 1.1941% | 900 |
| Noninterest expense to average assets | 3.5242% | 1,939 |
| Loan and lease loss provision to assets | 0.7573% | 1,127 |
| Net operating income to assets | 0.1429% | 5,964 |
| Return on assets (ROA) | 0.2656% | 5,620 |
| Pretax return on assets | 0.2656% | 5,760 |
| Return on Equity (ROE) | 2.1487% | 5,732 |
| Retained earnings to average equity (ytd only) | -2.7738% | 6,259 |
| Net charge-offs to loans | 1.6631% | 804 |
| Credit loss provision to net charge-offs | 78.9058% | 3,186 |
| Earnings coverage of net charge-offs (x) | 0.9379% | 3,949 |
| Efficiency ratio | 79.6531% | 2,585 |
| Assets per employee ($millions) | 3.2212% | 5,663 |
| Cash dividends to net income (ytd only)* | 229.0875% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 3,356 |
| Loan loss allowance to noncurrent loans | 44.5097% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 3.8347% | 1,749 |
| Noncurrent loans to loans | 3.8060% | 1,927 |
| Net loans and leases to total assets | 54.2553% | 5,267 |
| Net loans and leases to deposits | 68.4428% | 4,615 |
| Net loans and leases to core deposits | 70.2236% | 5,020 |
| Total domestic deposits to total assets | 79.2710% | 6,126 |
| Equity capital to assets | 12.1769% | 1,808 |
| Core capital (leverage) ratio | 11.8659% | 1,642 |
| Tier 1 risk-based capital ratio | 16.4451% | 2,685 |
| Total risk-based capital ratio | 17.6957% | 2,662 |
| Memoranda: | ||
| Average total assets | $792,237,000 | 848 |
| Average earning assets | $696,824,500 | 876 |
| Average equity | $97,917,500 | 696 |
| Average total loans | $457,226,000 | 960 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 6,267 |
| Cost of funding earning assets | 0.6030% | 7,121 |
| Net interest margin | 3.9429% | 3,290 |
| Noninterest income to average assets | 1.2802% | 898 |
| Noninterest expense to average assets | 2.9912% | 3,879 |
| Loan and lease loss provision to assets | 1.1703% | 1,348 |
| Net operating income to assets | 0.5771% | 3,770 |
| Return on assets (ROA) | 0.7222% | 3,266 |
| Pretax return on assets | 0.7280% | 3,879 |
| Return on Equity (ROE) | 5.5680% | 3,812 |
| Retained earnings to average equity (ytd only) | -0.6609% | 5,738 |
| Net charge-offs to loans | 1.6622% | 1,306 |
| Credit loss provision to net charge-offs | 113.8446% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.7040% | 4,446 |
| Efficiency ratio | 63.0681% | 5,501 |
| Assets per employee ($millions) | 3.0803% | 5,919 |
| Cash dividends to net income (ytd only)* | 111.8696% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,313 |
| Loan loss allowance to noncurrent loans | 37.1940% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 3.6434% | 1,891 |
| Noncurrent loans to loans | 4.5021% | 1,573 |
| Net loans and leases to total assets | 59.2901% | 4,789 |
| Net loans and leases to deposits | 72.6931% | 4,392 |
| Net loans and leases to core deposits | 74.6722% | 4,890 |
| Total domestic deposits to total assets | 81.5623% | 5,337 |
| Equity capital to assets | 12.5470% | 1,603 |
| Core capital (leverage) ratio | 12.5957% | 1,273 |
| Tier 1 risk-based capital ratio | 16.2612% | 2,631 |
| Total risk-based capital ratio | 17.5123% | 2,587 |
| Memoranda: | ||
| Average total assets | $768,712,600 | 883 |
| Average earning assets | $675,086,400 | 907 |
| Average equity | $99,712,000 | 675 |
| Average total loans | $475,404,000 | 947 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 5,979 |
| Cost of funding earning assets | 0.6361% | 7,210 |
| Net interest margin | 4.0745% | 2,740 |
| Noninterest income to average assets | 1.2819% | 835 |
| Noninterest expense to average assets | 3.0867% | 3,394 |
| Loan and lease loss provision to assets | 0.9368% | 1,610 |
| Net operating income to assets | 0.8162% | 2,932 |
| Return on assets (ROA) | 0.8164% | 3,076 |
| Pretax return on assets | 0.8164% | 3,845 |
| Return on Equity (ROE) | 6.2417% | 3,708 |
| Retained earnings to average equity (ytd only) | -0.9843% | 6,013 |
| Net charge-offs to loans | 1.1102% | 1,833 |
| Credit loss provision to net charge-offs | 135.5774% | 2,965 |
| Earnings coverage of net charge-offs (x) | 2.5371% | 3,897 |
| Efficiency ratio | 63.7784% | 5,284 |
| Assets per employee ($millions) | 3.0854% | 5,955 |
| Cash dividends to net income (ytd only)* | 115.7704% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 3,012 |
| Loan loss allowance to noncurrent loans | 72.6654% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.4791% | 2,892 |
| Noncurrent loans to loans | 2.4009% | 3,236 |
| Net loans and leases to total assets | 61.4693% | 4,638 |
| Net loans and leases to deposits | 76.2131% | 4,147 |
| Net loans and leases to core deposits | 78.6827% | 4,715 |
| Total domestic deposits to total assets | 80.6545% | 5,496 |
| Equity capital to assets | 13.4454% | 1,371 |
| Core capital (leverage) ratio | 12.6896% | 1,338 |
| Tier 1 risk-based capital ratio | 15.9825% | 2,773 |
| Total risk-based capital ratio | 17.2340% | 2,721 |
| Memoranda: | ||
| Average total assets | $765,292,000 | 882 |
| Average earning assets | $668,234,250 | 919 |
| Average equity | $100,098,250 | 667 |
| Average total loans | $476,309,250 | 951 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 5,770 |
| Cost of funding earning assets | 0.6544% | 7,286 |
| Net interest margin | 4.1531% | 2,326 |
| Noninterest income to average assets | 1.3111% | 741 |
| Noninterest expense to average assets | 3.1506% | 3,092 |
| Loan and lease loss provision to assets | 0.7047% | 2,064 |
| Net operating income to assets | 1.0402% | 2,048 |
| Return on assets (ROA) | 1.0405% | 2,124 |
| Pretax return on assets | 1.0405% | 2,975 |
| Return on Equity (ROE) | 8.0282% | 2,874 |
| Retained earnings to average equity (ytd only) | -0.7360% | 5,911 |
| Net charge-offs to loans | 1.2968% | 1,469 |
| Credit loss provision to net charge-offs | 87.4516% | 4,503 |
| Earnings coverage of net charge-offs (x) | 2.1655% | 3,937 |
| Efficiency ratio | 64.3570% | 5,265 |
| Assets per employee ($millions) | 2.9643% | 6,220 |
| Cash dividends to net income (ytd only)* | 109.1681% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 4,618 |
| Loan loss allowance to noncurrent loans | 107.6859% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.8394% | 3,711 |
| Noncurrent loans to loans | 1.2649% | 4,853 |
| Net loans and leases to total assets | 62.2061% | 4,643 |
| Net loans and leases to deposits | 77.6765% | 4,048 |
| Net loans and leases to core deposits | 80.4610% | 4,642 |
| Total domestic deposits to total assets | 80.0836% | 5,703 |
| Equity capital to assets | 13.3515% | 1,413 |
| Core capital (leverage) ratio | 12.7230% | 1,320 |
| Tier 1 risk-based capital ratio | 15.9817% | 2,679 |
| Total risk-based capital ratio | 17.0570% | 2,719 |
| Memoranda: | ||
| Average total assets | $769,440,670 | 883 |
| Average earning assets | $664,074,330 | 934 |
| Average equity | $99,723,330 | 660 |
| Average total loans | $478,083,670 | 959 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 5,811 |
| Cost of funding earning assets | 0.6812% | 7,372 |
| Net interest margin | 4.1395% | 2,271 |
| Noninterest income to average assets | 1.2226% | 820 |
| Noninterest expense to average assets | 3.3695% | 2,314 |
| Loan and lease loss provision to assets | 0.4355% | 2,783 |
| Net operating income to assets | 0.9049% | 2,524 |
| Return on assets (ROA) | 0.9054% | 2,591 |
| Pretax return on assets | 0.9054% | 3,451 |
| Return on Equity (ROE) | 7.0881% | 3,302 |
| Retained earnings to average equity (ytd only) | -1.6126% | 6,145 |
| Net charge-offs to loans | 0.4485% | 2,708 |
| Credit loss provision to net charge-offs | 157.4074% | 2,278 |
| Earnings coverage of net charge-offs (x) | 4.8444% | 2,530 |
| Efficiency ratio | 71.5405% | 4,013 |
| Assets per employee ($millions) | 3.0835% | 6,036 |
| Cash dividends to net income (ytd only)* | 122.7504% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 3,998 |
| Loan loss allowance to noncurrent loans | 88.1348% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 3,542 |
| Noncurrent loans to loans | 1.6816% | 4,228 |
| Net loans and leases to total assets | 61.1182% | 4,923 |
| Net loans and leases to deposits | 78.2824% | 3,987 |
| Net loans and leases to core deposits | 81.3651% | 4,573 |
| Total domestic deposits to total assets | 78.0739% | 6,298 |
| Equity capital to assets | 12.8565% | 1,574 |
| Core capital (leverage) ratio | 12.2624% | 1,514 |
| Tier 1 risk-based capital ratio | 15.7097% | 2,776 |
| Total risk-based capital ratio | 16.8824% | 2,763 |
| Memoranda: | ||
| Average total assets | $780,660,000 | 893 |
| Average earning assets | $657,663,000 | 956 |
| Average equity | $99,717,000 | 664 |
| Average total loans | $481,576,500 | 979 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3804% | 4,781 |
| Cost of funding earning assets | 1.0080% | 7,192 |
| Net interest margin | 4.3724% | 1,507 |
| Noninterest income to average assets | 1.3894% | 760 |
| Noninterest expense to average assets | 3.0401% | 3,991 |
| Loan and lease loss provision to assets | 0.7594% | 2,831 |
| Net operating income to assets | 1.3789% | 885 |
| Return on assets (ROA) | 1.4866% | 749 |
| Pretax return on assets | 1.4866% | 1,218 |
| Return on Equity (ROE) | 11.5111% | 1,285 |
| Retained earnings to average equity (ytd only) | 4.3859% | 2,175 |
| Net charge-offs to loans | 0.7878% | 2,858 |
| Credit loss provision to net charge-offs | 145.4087% | 3,268 |
| Earnings coverage of net charge-offs (x) | 4.0943% | 3,069 |
| Efficiency ratio | 58.7065% | 6,665 |
| Assets per employee ($millions) | 3.2535% | 5,603 |
| Cash dividends to net income (ytd only)* | 61.8984% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 4,186 |
| Loan loss allowance to noncurrent loans | 198.2523% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 4,408 |
| Noncurrent loans to loans | 0.7108% | 5,826 |
| Net loans and leases to total assets | 60.4807% | 5,262 |
| Net loans and leases to deposits | 76.9122% | 4,587 |
| Net loans and leases to core deposits | 84.8077% | 5,639 |
| Total domestic deposits to total assets | 78.6360% | 6,083 |
| Equity capital to assets | 12.6918% | 1,650 |
| Core capital (leverage) ratio | 12.9191% | 1,273 |
| Tier 1 risk-based capital ratio | 15.7330% | 2,631 |
| Total risk-based capital ratio | 16.8474% | 2,629 |
| Memoranda: | ||
| Average total assets | $758,987,400 | 902 |
| Average earning assets | $657,733,200 | 946 |
| Average equity | $98,018,600 | 674 |
| Average total loans | $503,202,200 | 950 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5001% | 4,418 |
| Cost of funding earning assets | 1.0819% | 7,217 |
| Net interest margin | 4.4182% | 1,396 |
| Noninterest income to average assets | 1.3994% | 775 |
| Noninterest expense to average assets | 2.9665% | 4,181 |
| Loan and lease loss provision to assets | 0.4814% | 3,494 |
| Net operating income to assets | 1.8011% | 439 |
| Return on assets (ROA) | 1.8011% | 471 |
| Pretax return on assets | 1.8011% | 799 |
| Return on Equity (ROE) | 13.8837% | 958 |
| Retained earnings to average equity (ytd only) | 5.3255% | 2,295 |
| Net charge-offs to loans | 0.5811% | 2,935 |
| Credit loss provision to net charge-offs | 122.5734% | 4,131 |
| Earnings coverage of net charge-offs (x) | 5.8113% | 2,728 |
| Efficiency ratio | 56.5150% | 6,935 |
| Assets per employee ($millions) | 3.1723% | 5,720 |
| Cash dividends to net income (ytd only)* | 61.6422% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,554 |
| Loan loss allowance to noncurrent loans | 199.6374% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 4,347 |
| Noncurrent loans to loans | 0.5644% | 6,184 |
| Net loans and leases to total assets | 63.7264% | 4,921 |
| Net loans and leases to deposits | 80.6942% | 4,252 |
| Net loans and leases to core deposits | 89.7096% | 5,462 |
| Total domestic deposits to total assets | 78.9728% | 5,815 |
| Equity capital to assets | 13.3219% | 1,565 |
| Core capital (leverage) ratio | 12.6638% | 1,516 |
| Tier 1 risk-based capital ratio | 15.4417% | 2,853 |
| Total risk-based capital ratio | 16.3286% | 2,943 |
| Memoranda: | ||
| Average total assets | $751,896,250 | 919 |
| Average earning assets | $655,126,500 | 958 |
| Average equity | $97,541,000 | 680 |
| Average total loans | $508,252,250 | 956 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5476% | 4,345 |
| Cost of funding earning assets | 1.1280% | 7,303 |
| Net interest margin | 4.4196% | 1,364 |
| Noninterest income to average assets | 1.4591% | 700 |
| Noninterest expense to average assets | 3.1067% | 3,675 |
| Loan and lease loss provision to assets | 0.2113% | 4,932 |
| Net operating income to assets | 2.0299% | 274 |
| Return on assets (ROA) | 2.0299% | 299 |
| Pretax return on assets | 2.0299% | 519 |
| Return on Equity (ROE) | 15.7906% | 723 |
| Retained earnings to average equity (ytd only) | 6.8101% | 1,661 |
| Net charge-offs to loans | 0.1134% | 5,027 |
| Credit loss provision to net charge-offs | 271.2329% | 1,725 |
| Earnings coverage of net charge-offs (x) | 28.7740% | 1,026 |
| Efficiency ratio | 58.0927% | 6,853 |
| Assets per employee ($millions) | 3.0332% | 6,046 |
| Cash dividends to net income (ytd only)* | 56.8725% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 5,755 |
| Loan loss allowance to noncurrent loans | 47.9158% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 1.9084% | 3,330 |
| Noncurrent loans to loans | 2.2428% | 3,198 |
| Net loans and leases to total assets | 66.8404% | 4,388 |
| Net loans and leases to deposits | 83.4129% | 3,978 |
| Net loans and leases to core deposits | 92.8220% | 5,264 |
| Total domestic deposits to total assets | 80.1320% | 5,427 |
| Equity capital to assets | 12.9218% | 1,724 |
| Core capital (leverage) ratio | 12.7191% | 1,532 |
| Tier 1 risk-based capital ratio | 15.1746% | 2,947 |
| Total risk-based capital ratio | 16.0516% | 3,035 |
| Memoranda: | ||
| Average total assets | $749,799,000 | 936 |
| Average earning assets | $659,742,000 | 965 |
| Average equity | $96,386,330 | 694 |
| Average total loans | $514,779,000 | 965 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6275% | 4,195 |
| Cost of funding earning assets | 1.1892% | 7,325 |
| Net interest margin | 4.4382% | 1,251 |
| Noninterest income to average assets | 1.4287% | 689 |
| Noninterest expense to average assets | 3.0077% | 3,738 |
| Loan and lease loss provision to assets | 0.1722% | 4,746 |
| Net operating income to assets | 2.1933% | 234 |
| Return on assets (ROA) | 2.1933% | 271 |
| Pretax return on assets | 2.1933% | 450 |
| Return on Equity (ROE) | 17.1069% | 676 |
| Retained earnings to average equity (ytd only) | 8.9594% | 1,497 |
| Net charge-offs to loans | 0.0938% | 4,242 |
| Credit loss provision to net charge-offs | 265.2893% | 1,785 |
| Earnings coverage of net charge-offs (x) | 36.4380% | 916 |
| Efficiency ratio | 55.9760% | 6,972 |
| Assets per employee ($millions) | 2.9699% | 6,237 |
| Cash dividends to net income (ytd only)* | 47.6272% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 6,092 |
| Loan loss allowance to noncurrent loans | 707.3370% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 5,734 |
| Noncurrent loans to loans | 0.1433% | 7,110 |
| Net loans and leases to total assets | 67.4156% | 4,267 |
| Net loans and leases to deposits | 90.1092% | 2,912 |
| Net loans and leases to core deposits | 102.1039% | 4,335 |
| Total domestic deposits to total assets | 74.8154% | 6,743 |
| Equity capital to assets | 12.8475% | 1,809 |
| Core capital (leverage) ratio | 12.6113% | 1,643 |
| Tier 1 risk-based capital ratio | 15.0644% | 3,034 |
| Total risk-based capital ratio | 15.8977% | 3,162 |
| Memoranda: | ||
| Average total assets | $745,553,000 | 937 |
| Average earning assets | $662,608,000 | 964 |
| Average equity | $95,587,000 | 697 |
| Average total loans | $515,993,000 | 969 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1270% | 4,914 |
| Cost of funding earning assets | 1.7762% | 7,071 |
| Net interest margin | 4.3509% | 1,822 |
| Noninterest income to average assets | 1.2665% | 919 |
| Noninterest expense to average assets | 3.0801% | 3,783 |
| Loan and lease loss provision to assets | 0.2291% | 4,602 |
| Net operating income to assets | 1.8747% | 461 |
| Return on assets (ROA) | 1.8747% | 445 |
| Pretax return on assets | 1.8715% | 811 |
| Return on Equity (ROE) | 13.7051% | 1,161 |
| Retained earnings to average equity (ytd only) | -2.5245% | 5,999 |
| Net charge-offs to loans | 0.2283% | 3,955 |
| Credit loss provision to net charge-offs | 138.2653% | 3,848 |
| Earnings coverage of net charge-offs (x) | 12.6777% | 2,224 |
| Efficiency ratio | 59.4534% | 6,442 |
| Assets per employee ($millions) | 3.0195% | 6,017 |
| Cash dividends to net income (ytd only)* | 118.4203% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 6,293 |
| Loan loss allowance to noncurrent loans | 160.7579% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 4,906 |
| Noncurrent loans to loans | 0.6009% | 5,573 |
| Net loans and leases to total assets | 69.6600% | 4,102 |
| Net loans and leases to deposits | 89.1845% | 3,604 |
| Net loans and leases to core deposits | 100.8709% | 4,739 |
| Total domestic deposits to total assets | 78.1078% | 5,675 |
| Equity capital to assets | 12.7938% | 1,871 |
| Core capital (leverage) ratio | 13.0048% | 1,541 |
| Tier 1 risk-based capital ratio | 14.9017% | 3,088 |
| Total risk-based capital ratio | 15.7128% | 3,228 |
| Memoranda: | ||
| Average total assets | $709,753,800 | 941 |
| Average earning assets | $638,513,200 | 952 |
| Average equity | $97,087,600 | 686 |
| Average total loans | $515,059,000 | 927 |