Home > Waycross Bank & Trust > Performance and Condition Ratios
Waycross Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 3,551 |
| Cost of funding earning assets | 1.2395% | 2,697 |
| Net interest margin | 3.0000% | 3,280 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.0222% | 3,577 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1079% | 1,902 |
| Return on assets (ROA) | 1.1079% | 1,872 |
| Pretax return on assets | 1.1079% | 2,394 |
| Return on Equity (ROE) | 22.1100% | 454 |
| Retained earnings to average equity (ytd only) | 13.7281% | 428 |
| Net charge-offs to loans | 0.0172% | 2,026 |
| Credit loss provision to net charge-offs | 505.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 128.4000% | 784 |
| Efficiency ratio | 63.6826% | 2,642 |
| Assets per employee ($millions) | 13.4396% | 292 |
| Cash dividends to net income (ytd only)* | 37.9003% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 644 |
| Loan loss allowance to noncurrent loans | 53,350.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,840 |
| Noncurrent loans to loans | 0.0032% | 3,770 |
| Net loans and leases to total assets | 53.6700% | 3,373 |
| Net loans and leases to deposits | 58.1256% | 3,630 |
| Net loans and leases to core deposits | 63.9605% | 3,592 |
| Total domestic deposits to total assets | 92.3400% | 256 |
| Equity capital to assets | 5.6492% | 4,309 |
| Core capital (leverage) ratio | 10.7329% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7344% | 717 |
| Memoranda: | ||
| Average total assets | $222,682,200 | 2,832 |
| Average earning assets | $213,798,800 | 2,779 |
| Average equity | $11,159,600 | 3,603 |
| Average total loans | $116,381,800 | 2,993 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 3,638 |
| Cost of funding earning assets | 1.0750% | 2,813 |
| Net interest margin | 3.0371% | 3,262 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.0262% | 3,528 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.1493% | 1,924 |
| Return on assets (ROA) | 1.1493% | 1,905 |
| Pretax return on assets | 1.1493% | 2,420 |
| Return on Equity (ROE) | 23.7100% | 453 |
| Retained earnings to average equity (ytd only) | 20.4793% | 243 |
| Net charge-offs to loans | 0.0082% | 2,109 |
| Credit loss provision to net charge-offs | 971.4286% | 417 |
| Earnings coverage of net charge-offs (x) | 282.1429% | 473 |
| Efficiency ratio | 62.9942% | 2,613 |
| Assets per employee ($millions) | 13.0776% | 294 |
| Cash dividends to net income (ytd only)* | 13.6340% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 697 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.9300% | 3,293 |
| Net loans and leases to deposits | 58.7566% | 3,570 |
| Net loans and leases to core deposits | 65.3119% | 3,469 |
| Total domestic deposits to total assets | 93.4800% | 245 |
| Equity capital to assets | 4.4355% | 4,344 |
| Core capital (leverage) ratio | 10.9718% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5377% | 756 |
| Memoranda: | ||
| Average total assets | $221,234,500 | 2,854 |
| Average earning assets | $212,343,250 | 2,798 |
| Average equity | $10,722,750 | 3,650 |
| Average total loans | $114,287,000 | 3,011 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,772 |
| Cost of funding earning assets | 0.8808% | 2,988 |
| Net interest margin | 3.0776% | 3,270 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.0202% | 3,545 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2161% | 1,788 |
| Return on assets (ROA) | 1.2161% | 1,774 |
| Pretax return on assets | 1.2161% | 2,318 |
| Return on Equity (ROE) | 24.4000% | 406 |
| Retained earnings to average equity (ytd only) | 22.0345% | 184 |
| Net charge-offs to loans | 0.0054% | 2,061 |
| Credit loss provision to net charge-offs | 1,200.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 459.6667% | 324 |
| Efficiency ratio | 61.8006% | 2,738 |
| Assets per employee ($millions) | 13.0505% | 294 |
| Cash dividends to net income (ytd only)* | 9.6798% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 611 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.2900% | 3,464 |
| Net loans and leases to deposits | 55.8768% | 3,652 |
| Net loans and leases to core deposits | 61.0583% | 3,572 |
| Total domestic deposits to total assets | 91.7900% | 457 |
| Equity capital to assets | 5.1659% | 4,352 |
| Core capital (leverage) ratio | 10.8021% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3124% | 683 |
| Memoranda: | ||
| Average total assets | $220,873,000 | 2,866 |
| Average earning assets | $212,310,667 | 2,812 |
| Average equity | $11,010,000 | 3,633 |
| Average total loans | $110,974,333 | 3,045 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 3,918 |
| Cost of funding earning assets | 0.6560% | 3,199 |
| Net interest margin | 3.1078% | 3,330 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.0129% | 3,601 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2433% | 1,812 |
| Return on assets (ROA) | 1.2433% | 1,788 |
| Pretax return on assets | 1.2433% | 2,325 |
| Return on Equity (ROE) | 25.4100% | 389 |
| Retained earnings to average equity (ytd only) | 25.4068% | 171 |
| Net charge-offs to loans | 0.0111% | 1,528 |
| Credit loss provision to net charge-offs | 600.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 234.3333% | 453 |
| Efficiency ratio | 61.2031% | 2,792 |
| Assets per employee ($millions) | 12.9486% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 556 |
| Loan loss allowance to noncurrent loans | 18,800.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,849 |
| Noncurrent loans to loans | 0.0100% | 3,754 |
| Net loans and leases to total assets | 48.8300% | 3,579 |
| Net loans and leases to deposits | 52.8632% | 3,746 |
| Net loans and leases to core deposits | 57.6419% | 3,651 |
| Total domestic deposits to total assets | 92.3700% | 426 |
| Equity capital to assets | 5.1702% | 4,390 |
| Core capital (leverage) ratio | 10.8388% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7341% | 683 |
| Memoranda: | ||
| Average total assets | $220,380,000 | 2,908 |
| Average earning assets | $211,593,500 | 2,848 |
| Average equity | $10,784,500 | 3,692 |
| Average total loans | $108,525,000 | 3,109 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3669% | 3,428 |
| Cost of funding earning assets | 0.1912% | 3,829 |
| Net interest margin | 3.1757% | 2,942 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.0152% | 3,544 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3116% | 1,388 |
| Return on assets (ROA) | 1.3125% | 1,352 |
| Pretax return on assets | 1.3125% | 2,044 |
| Return on Equity (ROE) | 20.8400% | 404 |
| Retained earnings to average equity (ytd only) | 11.7763% | 718 |
| Net charge-offs to loans | 0.0146% | 1,840 |
| Credit loss provision to net charge-offs | 566.6667% | 630 |
| Earnings coverage of net charge-offs (x) | 199.5333% | 646 |
| Efficiency ratio | 59.8847% | 3,073 |
| Assets per employee ($millions) | 12.2574% | 361 |
| Cash dividends to net income (ytd only)* | 43.5052% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 527 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.7900% | 3,682 |
| Net loans and leases to deposits | 50.4529% | 3,877 |
| Net loans and leases to core deposits | 54.9676% | 3,771 |
| Total domestic deposits to total assets | 94.7300% | 169 |
| Equity capital to assets | 4.6176% | 4,449 |
| Core capital (leverage) ratio | 10.9716% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1160% | 705 |
| Memoranda: | ||
| Average total assets | $221,711,400 | 2,891 |
| Average earning assets | $213,904,800 | 2,836 |
| Average equity | $13,960,200 | 3,472 |
| Average total loans | $102,892,200 | 3,112 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0864% | 3,701 |
| Cost of funding earning assets | 0.1249% | 4,082 |
| Net interest margin | 2.9615% | 3,324 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.0025% | 3,482 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1610% | 1,852 |
| Return on assets (ROA) | 1.1622% | 1,821 |
| Pretax return on assets | 1.1622% | 2,519 |
| Return on Equity (ROE) | 17.3100% | 744 |
| Retained earnings to average equity (ytd only) | 13.8221% | 488 |
| Net charge-offs to loans | 0.0105% | 1,724 |
| Credit loss provision to net charge-offs | 125.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 242.8750% | 548 |
| Efficiency ratio | 63.1798% | 2,659 |
| Assets per employee ($millions) | 12.0607% | 374 |
| Cash dividends to net income (ytd only)* | 20.1550% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 775 |
| Loan loss allowance to noncurrent loans | 652.9605% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 2,624 |
| Noncurrent loans to loans | 0.2704% | 2,293 |
| Net loans and leases to total assets | 50.8700% | 3,393 |
| Net loans and leases to deposits | 53.6606% | 3,622 |
| Net loans and leases to core deposits | 57.3716% | 3,539 |
| Total domestic deposits to total assets | 94.8000% | 247 |
| Equity capital to assets | 4.5575% | 4,387 |
| Core capital (leverage) ratio | 10.9289% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3759% | 807 |
| Memoranda: | ||
| Average total assets | $221,980,750 | 2,908 |
| Average earning assets | $214,527,250 | 2,852 |
| Average equity | $14,903,250 | 3,413 |
| Average total loans | $101,740,250 | 3,129 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9095% | 3,752 |
| Cost of funding earning assets | 0.0944% | 4,251 |
| Net interest margin | 2.8151% | 3,402 |
| Noninterest income to average assets | 0.3104% | 3,302 |
| Noninterest expense to average assets | 1.9641% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0679% | 1,909 |
| Return on assets (ROA) | 1.0697% | 1,875 |
| Pretax return on assets | 1.0697% | 2,515 |
| Return on Equity (ROE) | 14.4331% | 1,015 |
| Retained earnings to average equity (ytd only) | 11.2955% | 739 |
| Net charge-offs to loans | 0.0061% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 398.0000% | 320 |
| Efficiency ratio | 64.7788% | 2,669 |
| Assets per employee ($millions) | 11.5031% | 440 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 591 |
| Loan loss allowance to noncurrent loans | 559.3220% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 2,575 |
| Noncurrent loans to loans | 0.3518% | 2,092 |
| Net loans and leases to total assets | 45.1311% | 3,756 |
| Net loans and leases to deposits | 47.6966% | 3,935 |
| Net loans and leases to core deposits | 50.9733% | 3,875 |
| Total domestic deposits to total assets | 94.6211% | 189 |
| Equity capital to assets | 4.7982% | 4,519 |
| Core capital (leverage) ratio | 10.5982% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0107% | 717 |
| Memoranda: | ||
| Average total assets | $223,610,333 | 2,920 |
| Average earning assets | $216,188,333 | 2,875 |
| Average equity | $16,573,000 | 3,352 |
| Average total loans | $98,180,667 | 3,208 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7799% | 3,781 |
| Cost of funding earning assets | 0.0860% | 4,291 |
| Net interest margin | 2.6939% | 3,417 |
| Noninterest income to average assets | 0.3149% | 3,210 |
| Noninterest expense to average assets | 1.9298% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9888% | 1,924 |
| Return on assets (ROA) | 0.9888% | 1,919 |
| Pretax return on assets | 0.9888% | 2,470 |
| Return on Equity (ROE) | 11.3989% | 1,489 |
| Retained earnings to average equity (ytd only) | 11.3989% | 708 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1212% | 2,759 |
| Assets per employee ($millions) | 12.1816% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 672 |
| Loan loss allowance to noncurrent loans | 586.6864% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,772 |
| Noncurrent loans to loans | 0.3336% | 2,291 |
| Net loans and leases to total assets | 42.9166% | 3,824 |
| Net loans and leases to deposits | 46.5746% | 3,948 |
| Net loans and leases to core deposits | 49.1852% | 3,911 |
| Total domestic deposits to total assets | 92.1461% | 519 |
| Equity capital to assets | 7.3355% | 4,027 |
| Core capital (leverage) ratio | 10.4726% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4599% | 833 |
| Memoranda: | ||
| Average total assets | $226,136,000 | 2,922 |
| Average earning assets | $218,566,000 | 2,873 |
| Average equity | $19,616,000 | 3,175 |
| Average total loans | $96,962,000 | 3,233 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7829% | 4,227 |
| Cost of funding earning assets | 0.1250% | 4,187 |
| Net interest margin | 2.6580% | 3,946 |
| Noninterest income to average assets | 1.5841% | 450 |
| Noninterest expense to average assets | 2.8247% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3231% | 1,543 |
| Return on assets (ROA) | 1.3362% | 1,528 |
| Pretax return on assets | 1.3362% | 2,249 |
| Return on Equity (ROE) | 12.8171% | 1,519 |
| Retained earnings to average equity (ytd only) | 5.6675% | 2,495 |
| Net charge-offs to loans | 0.0021% | 2,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,460.0000% | 99 |
| Efficiency ratio | 68.1014% | 1,960 |
| Assets per employee ($millions) | 11.0411% | 501 |
| Cash dividends to net income (ytd only)* | 55.7816% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1412% | 490 |
| Loan loss allowance to noncurrent loans | 537.3984% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,764 |
| Noncurrent loans to loans | 0.3984% | 2,161 |
| Net loans and leases to total assets | 41.0409% | 4,030 |
| Net loans and leases to deposits | 45.9501% | 4,095 |
| Net loans and leases to core deposits | 48.5517% | 4,072 |
| Total domestic deposits to total assets | 89.3162% | 1,347 |
| Equity capital to assets | 10.0778% | 2,584 |
| Core capital (leverage) ratio | 9.9456% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5628% | 692 |
| Memoranda: | ||
| Average total assets | $220,698,600 | 2,899 |
| Average earning assets | $212,867,800 | 2,850 |
| Average equity | $23,008,400 | 2,986 |
| Average total loans | $94,244,600 | 3,271 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7615% | 4,345 |
| Cost of funding earning assets | 0.1335% | 4,243 |
| Net interest margin | 2.6280% | 4,092 |
| Noninterest income to average assets | 2.0036% | 354 |
| Noninterest expense to average assets | 3.1159% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4211% | 1,473 |
| Return on assets (ROA) | 1.4386% | 1,483 |
| Pretax return on assets | 1.4386% | 2,184 |
| Return on Equity (ROE) | 13.6853% | 1,484 |
| Retained earnings to average equity (ytd only) | 9.9148% | 1,349 |
| Net charge-offs to loans | 0.0014% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 2,352.0000% | 62 |
| Efficiency ratio | 68.6776% | 1,738 |
| Assets per employee ($millions) | 10.8696% | 493 |
| Cash dividends to net income (ytd only)* | 27.5514% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0351% | 592 |
| Loan loss allowance to noncurrent loans | 551.1111% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 3,065 |
| Noncurrent loans to loans | 0.3693% | 2,460 |
| Net loans and leases to total assets | 41.8410% | 4,104 |
| Net loans and leases to deposits | 47.0582% | 4,170 |
| Net loans and leases to core deposits | 49.7391% | 4,158 |
| Total domestic deposits to total assets | 88.9132% | 1,335 |
| Equity capital to assets | 10.4910% | 2,466 |
| Core capital (leverage) ratio | 10.1949% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9222% | 698 |
| Memoranda: | ||
| Average total assets | $220,668,000 | 2,931 |
| Average earning assets | $212,731,750 | 2,884 |
| Average equity | $23,197,000 | 3,004 |
| Average total loans | $94,653,250 | 3,313 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7706% | 4,387 |
| Cost of funding earning assets | 0.1438% | 4,258 |
| Net interest margin | 2.6268% | 4,121 |
| Noninterest income to average assets | 2.6681% | 222 |
| Noninterest expense to average assets | 3.5712% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6265% | 993 |
| Return on assets (ROA) | 1.6458% | 1,010 |
| Pretax return on assets | 1.6458% | 1,622 |
| Return on Equity (ROE) | 15.6447% | 1,032 |
| Retained earnings to average equity (ytd only) | 11.4961% | 1,016 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7070% | 1,794 |
| Assets per employee ($millions) | 10.6529% | 503 |
| Cash dividends to net income (ytd only)* | 26.5181% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 554 |
| Loan loss allowance to noncurrent loans | 525.1323% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 3,136 |
| Noncurrent loans to loans | 0.3905% | 2,504 |
| Net loans and leases to total assets | 42.3788% | 4,154 |
| Net loans and leases to deposits | 47.6923% | 4,239 |
| Net loans and leases to core deposits | 50.4650% | 4,216 |
| Total domestic deposits to total assets | 88.8588% | 1,354 |
| Equity capital to assets | 10.4608% | 2,424 |
| Core capital (leverage) ratio | 10.3661% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1498% | 687 |
| Memoranda: | ||
| Average total assets | $218,136,667 | 2,953 |
| Average earning assets | $210,063,333 | 2,905 |
| Average equity | $22,947,000 | 3,015 |
| Average total loans | $93,707,333 | 3,339 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6662% | 4,513 |
| Cost of funding earning assets | 0.1503% | 4,300 |
| Net interest margin | 2.5159% | 4,274 |
| Noninterest income to average assets | 2.6840% | 238 |
| Noninterest expense to average assets | 3.5589% | 431 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5510% | 1,214 |
| Return on assets (ROA) | 1.5807% | 1,218 |
| Pretax return on assets | 1.5807% | 1,780 |
| Return on Equity (ROE) | 14.9827% | 1,215 |
| Retained earnings to average equity (ytd only) | 12.9404% | 923 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6474% | 1,742 |
| Assets per employee ($millions) | 10.4275% | 525 |
| Cash dividends to net income (ytd only)* | 13.6310% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1219% | 481 |
| Loan loss allowance to noncurrent loans | 496.2500% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 3,187 |
| Noncurrent loans to loans | 0.4276% | 2,582 |
| Net loans and leases to total assets | 41.8147% | 4,244 |
| Net loans and leases to deposits | 46.8898% | 4,311 |
| Net loans and leases to core deposits | 49.6624% | 4,310 |
| Total domestic deposits to total assets | 89.1765% | 1,252 |
| Equity capital to assets | 10.1462% | 2,554 |
| Core capital (leverage) ratio | 10.2750% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0638% | 579 |
| Memoranda: | ||
| Average total assets | $215,349,500 | 2,964 |
| Average earning assets | $207,636,500 | 2,910 |
| Average equity | $22,719,500 | 3,021 |
| Average total loans | $92,165,500 | 3,378 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9920% | 4,642 |
| Cost of funding earning assets | 0.2967% | 4,167 |
| Net interest margin | 2.6952% | 4,383 |
| Noninterest income to average assets | 2.2782% | 278 |
| Noninterest expense to average assets | 3.4687% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3980% | 1,025 |
| Return on assets (ROA) | 1.4313% | 1,038 |
| Pretax return on assets | 1.4313% | 1,566 |
| Return on Equity (ROE) | 13.2112% | 989 |
| Retained earnings to average equity (ytd only) | 9.9622% | 590 |
| Net charge-offs to loans | 0.0245% | 2,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 134.0952% | 633 |
| Efficiency ratio | 71.2741% | 1,775 |
| Assets per employee ($millions) | 10.0820% | 514 |
| Cash dividends to net income (ytd only)* | 24.5924% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1866% | 422 |
| Loan loss allowance to noncurrent loans | 480.6295% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 3,196 |
| Noncurrent loans to loans | 0.4549% | 2,602 |
| Net loans and leases to total assets | 41.9401% | 4,355 |
| Net loans and leases to deposits | 47.4850% | 4,414 |
| Net loans and leases to core deposits | 50.4242% | 4,403 |
| Total domestic deposits to total assets | 88.3228% | 1,315 |
| Equity capital to assets | 10.9677% | 2,279 |
| Core capital (leverage) ratio | 9.6956% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1913% | 565 |
| Memoranda: | ||
| Average total assets | $201,430,400 | 2,930 |
| Average earning assets | $193,451,600 | 2,878 |
| Average equity | $21,822,400 | 3,025 |
| Average total loans | $85,622,400 | 3,474 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0581% | 4,693 |
| Cost of funding earning assets | 0.3312% | 4,147 |
| Net interest margin | 2.7269% | 4,432 |
| Noninterest income to average assets | 2.2716% | 279 |
| Noninterest expense to average assets | 3.5556% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3329% | 1,279 |
| Return on assets (ROA) | 1.3758% | 1,256 |
| Pretax return on assets | 1.3758% | 1,807 |
| Return on Equity (ROE) | 12.7414% | 1,189 |
| Retained earnings to average equity (ytd only) | 12.7414% | 353 |
| Net charge-offs to loans | 0.0285% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 110.4444% | 738 |
| Efficiency ratio | 72.7335% | 1,552 |
| Assets per employee ($millions) | 10.4880% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4392% | 249 |
| Loan loss allowance to noncurrent loans | 452.8474% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 3,238 |
| Noncurrent loans to loans | 0.5386% | 2,451 |
| Net loans and leases to total assets | 36.1019% | 4,680 |
| Net loans and leases to deposits | 40.6528% | 4,734 |
| Net loans and leases to core deposits | 43.0462% | 4,729 |
| Total domestic deposits to total assets | 88.8054% | 862 |
| Equity capital to assets | 10.5145% | 2,778 |
| Core capital (leverage) ratio | 9.8892% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4765% | 430 |
| Memoranda: | ||
| Average total assets | $198,857,750 | 2,936 |
| Average earning assets | $190,834,000 | 2,885 |
| Average equity | $21,472,750 | 3,052 |
| Average total loans | $84,332,750 | 3,516 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 4,686 |
| Cost of funding earning assets | 0.3866% | 4,100 |
| Net interest margin | 2.8608% | 4,371 |
| Noninterest income to average assets | 2.2928% | 252 |
| Noninterest expense to average assets | 3.6646% | 601 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3686% | 1,184 |
| Return on assets (ROA) | 1.4114% | 1,177 |
| Pretax return on assets | 1.4114% | 1,699 |
| Return on Equity (ROE) | 12.9406% | 1,112 |
| Retained earnings to average equity (ytd only) | 12.9406% | 362 |
| Net charge-offs to loans | 0.0422% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 72.8889% | 858 |
| Efficiency ratio | 72.8083% | 1,587 |
| Assets per employee ($millions) | 10.0436% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 257 |
| Loan loss allowance to noncurrent loans | 405.7143% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 2,749 |
| Noncurrent loans to loans | 0.5860% | 2,399 |
| Net loans and leases to total assets | 38.7014% | 4,648 |
| Net loans and leases to deposits | 43.5979% | 4,710 |
| Net loans and leases to core deposits | 46.4133% | 4,705 |
| Total domestic deposits to total assets | 88.7689% | 833 |
| Equity capital to assets | 10.5592% | 2,701 |
| Core capital (leverage) ratio | 10.3639% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5742% | 469 |
| Memoranda: | ||
| Average total assets | $191,727,333 | 2,970 |
| Average earning assets | $183,656,333 | 2,923 |
| Average equity | $20,911,000 | 3,086 |
| Average total loans | $85,276,333 | 3,492 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 4,577 |
| Cost of funding earning assets | 0.4650% | 4,092 |
| Net interest margin | 3.0936% | 4,114 |
| Noninterest income to average assets | 2.4224% | 205 |
| Noninterest expense to average assets | 3.8082% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5659% | 670 |
| Return on assets (ROA) | 1.6515% | 617 |
| Pretax return on assets | 1.6515% | 947 |
| Return on Equity (ROE) | 14.8683% | 561 |
| Retained earnings to average equity (ytd only) | 14.8683% | 201 |
| Net charge-offs to loans | 0.0279% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 118.8333% | 514 |
| Efficiency ratio | 70.8623% | 2,239 |
| Assets per employee ($millions) | 9.3981% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3101% | 324 |
| Loan loss allowance to noncurrent loans | 337.8378% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,538 |
| Noncurrent loans to loans | 0.6838% | 2,285 |
| Net loans and leases to total assets | 44.9974% | 4,471 |
| Net loans and leases to deposits | 51.0176% | 4,562 |
| Net loans and leases to core deposits | 55.4519% | 4,516 |
| Total domestic deposits to total assets | 88.1997% | 1,019 |
| Equity capital to assets | 11.0794% | 2,795 |
| Core capital (leverage) ratio | 11.2268% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2206% | 621 |
| Memoranda: | ||
| Average total assets | $182,133,500 | 3,028 |
| Average earning assets | $173,775,500 | 2,977 |
| Average equity | $20,231,000 | 3,150 |
| Average total loans | $86,107,000 | 3,484 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 4,517 |
| Cost of funding earning assets | 0.4632% | 4,230 |
| Net interest margin | 3.3764% | 3,806 |
| Noninterest income to average assets | 2.5307% | 198 |
| Noninterest expense to average assets | 4.0623% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6875% | 677 |
| Return on assets (ROA) | 1.6928% | 714 |
| Pretax return on assets | 1.6928% | 1,204 |
| Return on Equity (ROE) | 15.5971% | 591 |
| Retained earnings to average equity (ytd only) | 8.0515% | 961 |
| Net charge-offs to loans | 0.0060% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 571.6000% | 171 |
| Efficiency ratio | 70.6511% | 2,072 |
| Assets per employee ($millions) | 8.8153% | 530 |
| Cash dividends to net income (ytd only)* | 48.3781% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 266 |
| Loan loss allowance to noncurrent loans | 277.8393% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 2,271 |
| Noncurrent loans to loans | 0.8431% | 1,825 |
| Net loans and leases to total assets | 47.4348% | 4,452 |
| Net loans and leases to deposits | 53.8801% | 4,538 |
| Net loans and leases to core deposits | 58.0425% | 4,525 |
| Total domestic deposits to total assets | 88.0378% | 1,110 |
| Equity capital to assets | 11.1381% | 2,872 |
| Core capital (leverage) ratio | 10.6759% | 2,785 |
| Tier 1 risk-based capital ratio | 20.2581% | 1,288 |
| Total risk-based capital ratio | 21.5184% | 1,262 |
| Memoranda: | ||
| Average total assets | $169,360,600 | 3,116 |
| Average earning assets | $161,471,800 | 3,072 |
| Average equity | $18,381,600 | 3,300 |
| Average total loans | $83,302,400 | 3,536 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 4,611 |
| Cost of funding earning assets | 0.4504% | 4,323 |
| Net interest margin | 3.3975% | 3,866 |
| Noninterest income to average assets | 2.5445% | 196 |
| Noninterest expense to average assets | 4.1178% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6608% | 807 |
| Return on assets (ROA) | 1.6688% | 837 |
| Pretax return on assets | 1.6688% | 1,422 |
| Return on Equity (ROE) | 15.4821% | 687 |
| Retained earnings to average equity (ytd only) | 11.5709% | 436 |
| Net charge-offs to loans | 0.0048% | 3,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 695.9825% | 139 |
| Efficiency ratio | 71.2595% | 1,931 |
| Assets per employee ($millions) | 8.9673% | 486 |
| Cash dividends to net income (ytd only)* | 25.2622% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4533% | 234 |
| Loan loss allowance to noncurrent loans | 206.7971% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 2,385 |
| Noncurrent loans to loans | 1.1863% | 1,321 |
| Net loans and leases to total assets | 44.5179% | 4,674 |
| Net loans and leases to deposits | 50.4126% | 4,766 |
| Net loans and leases to core deposits | 54.3010% | 4,732 |
| Total domestic deposits to total assets | 88.3070% | 911 |
| Equity capital to assets | 10.8912% | 3,205 |
| Core capital (leverage) ratio | 11.0734% | 2,583 |
| Tier 1 risk-based capital ratio | 21.4922% | 1,133 |
| Total risk-based capital ratio | 22.7537% | 1,108 |
| Memoranda: | ||
| Average total assets | $167,624,500 | 3,154 |
| Average earning assets | $159,564,250 | 3,114 |
| Average equity | $18,067,750 | 3,352 |
| Average total loans | $82,719,000 | 3,581 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 4,631 |
| Cost of funding earning assets | 0.4261% | 4,410 |
| Net interest margin | 3.4284% | 3,806 |
| Noninterest income to average assets | 2.6167% | 188 |
| Noninterest expense to average assets | 4.2915% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5881% | 936 |
| Return on assets (ROA) | 1.5893% | 974 |
| Pretax return on assets | 1.5893% | 1,577 |
| Return on Equity (ROE) | 14.8015% | 805 |
| Retained earnings to average equity (ytd only) | 10.5920% | 621 |
| Net charge-offs to loans | 0.0048% | 2,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 650.0000% | 121 |
| Efficiency ratio | 72.9898% | 1,776 |
| Assets per employee ($millions) | 8.5115% | 550 |
| Cash dividends to net income (ytd only)* | 28.4397% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4737% | 228 |
| Loan loss allowance to noncurrent loans | 272.2222% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 2,679 |
| Noncurrent loans to loans | 0.9087% | 1,805 |
| Net loans and leases to total assets | 46.5288% | 4,625 |
| Net loans and leases to deposits | 52.8629% | 4,715 |
| Net loans and leases to core deposits | 55.8970% | 4,714 |
| Total domestic deposits to total assets | 88.0180% | 1,093 |
| Equity capital to assets | 11.1655% | 2,894 |
| Core capital (leverage) ratio | 11.4933% | 2,173 |
| Tier 1 risk-based capital ratio | 20.7996% | 1,202 |
| Total risk-based capital ratio | 22.0616% | 1,183 |
| Memoranda: | ||
| Average total assets | $163,717,330 | 3,214 |
| Average earning assets | $155,815,670 | 3,173 |
| Average equity | $17,579,330 | 3,409 |
| Average total loans | $83,009,000 | 3,596 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,603 |
| Cost of funding earning assets | 0.3930% | 4,515 |
| Net interest margin | 3.4790% | 3,653 |
| Noninterest income to average assets | 2.7197% | 167 |
| Noninterest expense to average assets | 4.4048% | 329 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6253% | 848 |
| Return on assets (ROA) | 1.6253% | 882 |
| Pretax return on assets | 1.6253% | 1,404 |
| Return on Equity (ROE) | 15.4635% | 670 |
| Retained earnings to average equity (ytd only) | 15.4635% | 247 |
| Net charge-offs to loans | 0.0095% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 249 |
| Efficiency ratio | 73.0467% | 1,879 |
| Assets per employee ($millions) | 7.7675% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4197% | 269 |
| Loan loss allowance to noncurrent loans | 222.7273% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 2,432 |
| Noncurrent loans to loans | 1.0864% | 1,530 |
| Net loans and leases to total assets | 49.6686% | 4,491 |
| Net loans and leases to deposits | 56.2004% | 4,588 |
| Net loans and leases to core deposits | 59.5454% | 4,585 |
| Total domestic deposits to total assets | 88.3777% | 1,142 |
| Equity capital to assets | 10.7978% | 3,053 |
| Core capital (leverage) ratio | 11.7580% | 1,933 |
| Tier 1 risk-based capital ratio | 20.2386% | 1,301 |
| Total risk-based capital ratio | 21.5003% | 1,265 |
| Memoranda: | ||
| Average total assets | $160,461,000 | 3,293 |
| Average earning assets | $152,687,500 | 3,242 |
| Average equity | $16,865,500 | 3,490 |
| Average total loans | $83,906,000 | 3,612 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 4,242 |
| Cost of funding earning assets | 0.3394% | 4,352 |
| Net interest margin | 3.5750% | 3,464 |
| Noninterest income to average assets | 2.3710% | 213 |
| Noninterest expense to average assets | 3.8923% | 606 |
| Loan and lease loss provision to assets | -0.1551% | 5,306 |
| Net operating income to assets | 2.0390% | 329 |
| Return on assets (ROA) | 2.0358% | 334 |
| Pretax return on assets | 2.0358% | 518 |
| Return on Equity (ROE) | 20.9112% | 203 |
| Retained earnings to average equity (ytd only) | 9.7773% | 659 |
| Net charge-offs to loans | -0.3696% | 5,322 |
| Credit loss provision to net charge-offs | 77.5701% | 2,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3857% | 2,642 |
| Assets per employee ($millions) | 7.5145% | 791 |
| Cash dividends to net income (ytd only)* | 53.2436% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3719% | 261 |
| Loan loss allowance to noncurrent loans | 218.8248% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 2,296 |
| Noncurrent loans to loans | 1.0839% | 1,506 |
| Net loans and leases to total assets | 52.4533% | 4,387 |
| Net loans and leases to deposits | 58.9987% | 4,525 |
| Net loans and leases to core deposits | 62.4813% | 4,518 |
| Total domestic deposits to total assets | 88.9059% | 895 |
| Equity capital to assets | 10.2139% | 3,455 |
| Core capital (leverage) ratio | 10.8185% | 2,715 |
| Tier 1 risk-based capital ratio | 19.5457% | 1,392 |
| Total risk-based capital ratio | 20.8074% | 1,362 |
| Memoranda: | ||
| Average total assets | $160,523,200 | 3,270 |
| Average earning assets | $152,897,000 | 3,214 |
| Average equity | $15,628,000 | 3,555 |
| Average total loans | $86,861,600 | 3,535 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 4,335 |
| Cost of funding earning assets | 0.3177% | 4,392 |
| Net interest margin | 3.5248% | 3,618 |
| Noninterest income to average assets | 2.3465% | 223 |
| Noninterest expense to average assets | 3.8725% | 611 |
| Loan and lease loss provision to assets | 0.0215% | 3,585 |
| Net operating income to assets | 1.8105% | 591 |
| Return on assets (ROA) | 1.8064% | 597 |
| Pretax return on assets | 1.8064% | 998 |
| Return on Equity (ROE) | 18.7800% | 360 |
| Retained earnings to average equity (ytd only) | 13.6808% | 282 |
| Net charge-offs to loans | -0.4929% | 5,398 |
| Credit loss provision to net charge-offs | -8.0495% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8846% | 2,557 |
| Assets per employee ($millions) | 8.2891% | 576 |
| Cash dividends to net income (ytd only)* | 27.1521% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6046% | 209 |
| Loan loss allowance to noncurrent loans | 292.9577% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 2,802 |
| Noncurrent loans to loans | 0.8891% | 1,918 |
| Net loans and leases to total assets | 51.6091% | 4,498 |
| Net loans and leases to deposits | 57.5563% | 4,668 |
| Net loans and leases to core deposits | 60.2067% | 4,693 |
| Total domestic deposits to total assets | 89.6671% | 613 |
| Equity capital to assets | 9.4884% | 4,087 |
| Core capital (leverage) ratio | 10.7519% | 2,835 |
| Tier 1 risk-based capital ratio | 18.8546% | 1,572 |
| Total risk-based capital ratio | 20.1189% | 1,539 |
| Memoranda: | ||
| Average total assets | $161,202,750 | 3,286 |
| Average earning assets | $153,576,750 | 3,229 |
| Average equity | $15,505,500 | 3,596 |
| Average total loans | $87,380,750 | 3,559 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 4,234 |
| Cost of funding earning assets | 0.2906% | 4,491 |
| Net interest margin | 3.5531% | 3,458 |
| Noninterest income to average assets | 2.3635% | 222 |
| Noninterest expense to average assets | 3.9430% | 579 |
| Loan and lease loss provision to assets | 0.0326% | 3,264 |
| Net operating income to assets | 1.7723% | 616 |
| Return on assets (ROA) | 1.7661% | 634 |
| Pretax return on assets | 1.7661% | 1,047 |
| Return on Equity (ROE) | 18.2753% | 396 |
| Retained earnings to average equity (ytd only) | 13.2982% | 339 |
| Net charge-offs to loans | -0.7452% | 5,474 |
| Credit loss provision to net charge-offs | -8.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5988% | 2,545 |
| Assets per employee ($millions) | 7.9494% | 636 |
| Cash dividends to net income (ytd only)* | 27.2340% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6469% | 206 |
| Loan loss allowance to noncurrent loans | 285.1806% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 2,737 |
| Noncurrent loans to loans | 0.9281% | 1,869 |
| Net loans and leases to total assets | 52.9773% | 4,414 |
| Net loans and leases to deposits | 59.2160% | 4,577 |
| Net loans and leases to core deposits | 61.6122% | 4,621 |
| Total domestic deposits to total assets | 89.4645% | 755 |
| Equity capital to assets | 9.6612% | 3,953 |
| Core capital (leverage) ratio | 11.1235% | 2,419 |
| Tier 1 risk-based capital ratio | 18.9038% | 1,573 |
| Total risk-based capital ratio | 20.1691% | 1,528 |
| Memoranda: | ||
| Average total assets | $159,676,670 | 3,326 |
| Average earning assets | $152,091,670 | 3,262 |
| Average equity | $15,430,670 | 3,624 |
| Average total loans | $87,225,670 | 3,577 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 4,544 |
| Cost of funding earning assets | 0.2653% | 4,614 |
| Net interest margin | 3.4041% | 3,874 |
| Noninterest income to average assets | 2.3397% | 219 |
| Noninterest expense to average assets | 3.9295% | 569 |
| Loan and lease loss provision to assets | 0.0500% | 2,778 |
| Net operating income to assets | 1.5998% | 862 |
| Return on assets (ROA) | 1.5948% | 869 |
| Pretax return on assets | 1.5948% | 1,409 |
| Return on Equity (ROE) | 16.5007% | 554 |
| Retained earnings to average equity (ytd only) | 16.5007% | 221 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4301% | 2,421 |
| Assets per employee ($millions) | 8.1331% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1806% | 402 |
| Loan loss allowance to noncurrent loans | 245.1815% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 2,892 |
| Noncurrent loans to loans | 0.8894% | 2,047 |
| Net loans and leases to total assets | 54.0261% | 4,279 |
| Net loans and leases to deposits | 60.2491% | 4,454 |
| Net loans and leases to core deposits | 62.6189% | 4,508 |
| Total domestic deposits to total assets | 89.6712% | 792 |
| Equity capital to assets | 9.4921% | 4,098 |
| Core capital (leverage) ratio | 10.8007% | 2,630 |
| Tier 1 risk-based capital ratio | 17.6444% | 1,935 |
| Total risk-based capital ratio | 18.9042% | 1,883 |
| Memoranda: | ||
| Average total assets | $160,021,500 | 3,352 |
| Average earning assets | $152,288,500 | 3,293 |
| Average equity | $15,466,000 | 3,651 |
| Average total loans | $87,580,000 | 3,595 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6301% | 4,509 |
| Cost of funding earning assets | 0.2677% | 4,419 |
| Net interest margin | 3.3624% | 3,963 |
| Noninterest income to average assets | 1.8984% | 318 |
| Noninterest expense to average assets | 3.6376% | 856 |
| Loan and lease loss provision to assets | 0.0846% | 2,515 |
| Net operating income to assets | 1.3785% | 1,061 |
| Return on assets (ROA) | 1.3798% | 1,077 |
| Pretax return on assets | 1.3798% | 2,057 |
| Return on Equity (ROE) | 14.2707% | 721 |
| Retained earnings to average equity (ytd only) | 7.6439% | 879 |
| Net charge-offs to loans | 0.0070% | 3,824 |
| Credit loss provision to net charge-offs | 2,250.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 389.3333% | 226 |
| Efficiency ratio | 71.3163% | 2,333 |
| Assets per employee ($millions) | 7.8691% | 668 |
| Cash dividends to net income (ytd only)* | 46.4367% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2726% | 320 |
| Loan loss allowance to noncurrent loans | 239.3827% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 2,842 |
| Noncurrent loans to loans | 0.9494% | 1,874 |
| Net loans and leases to total assets | 52.9810% | 4,444 |
| Net loans and leases to deposits | 59.3432% | 4,607 |
| Net loans and leases to core deposits | 61.7654% | 4,673 |
| Total domestic deposits to total assets | 89.2789% | 879 |
| Equity capital to assets | 9.8436% | 3,875 |
| Core capital (leverage) ratio | 10.0114% | 3,446 |
| Tier 1 risk-based capital ratio | 17.7622% | 1,869 |
| Total risk-based capital ratio | 19.0223% | 1,817 |
| Memoranda: | ||
| Average total assets | $159,663,600 | 3,353 |
| Average earning assets | $152,062,000 | 3,297 |
| Average equity | $15,437,200 | 3,663 |
| Average total loans | $86,115,200 | 3,614 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 4,610 |
| Cost of funding earning assets | 0.2593% | 4,489 |
| Net interest margin | 3.3200% | 4,106 |
| Noninterest income to average assets | 1.8289% | 353 |
| Noninterest expense to average assets | 3.6246% | 837 |
| Loan and lease loss provision to assets | 0.0940% | 2,205 |
| Net operating income to assets | 1.2739% | 1,421 |
| Return on assets (ROA) | 1.2756% | 1,443 |
| Pretax return on assets | 1.2756% | 2,606 |
| Return on Equity (ROE) | 13.2522% | 999 |
| Retained earnings to average equity (ytd only) | 13.2522% | 205 |
| Net charge-offs to loans | 0.0108% | 3,339 |
| Credit loss provision to net charge-offs | 1,614.2857% | 239 |
| Earnings coverage of net charge-offs (x) | 234.9357% | 374 |
| Efficiency ratio | 72.6000% | 2,119 |
| Assets per employee ($millions) | 9.0194% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2936% | 346 |
| Loan loss allowance to noncurrent loans | 227.5534% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 2,979 |
| Noncurrent loans to loans | 1.0079% | 1,927 |
| Net loans and leases to total assets | 50.2753% | 4,679 |
| Net loans and leases to deposits | 56.4522% | 4,851 |
| Net loans and leases to core deposits | 58.6846% | 4,887 |
| Total domestic deposits to total assets | 89.0582% | 855 |
| Equity capital to assets | 10.0986% | 3,804 |
| Core capital (leverage) ratio | 10.1878% | 3,327 |
| Tier 1 risk-based capital ratio | 18.7770% | 1,650 |
| Total risk-based capital ratio | 20.0383% | 1,599 |
| Memoranda: | ||
| Average total assets | $160,234,250 | 3,372 |
| Average earning assets | $152,688,000 | 3,317 |
| Average equity | $15,423,500 | 3,698 |
| Average total loans | $86,313,750 | 3,628 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 4,608 |
| Cost of funding earning assets | 0.2551% | 4,496 |
| Net interest margin | 3.3062% | 4,086 |
| Noninterest income to average assets | 1.8204% | 369 |
| Noninterest expense to average assets | 3.5981% | 876 |
| Loan and lease loss provision to assets | 0.1241% | 1,667 |
| Net operating income to assets | 1.2499% | 1,439 |
| Return on assets (ROA) | 1.2512% | 1,460 |
| Pretax return on assets | 1.2512% | 2,575 |
| Return on Equity (ROE) | 13.2188% | 974 |
| Retained earnings to average equity (ytd only) | 13.2188% | 236 |
| Net charge-offs to loans | 0.0115% | 3,058 |
| Credit loss provision to net charge-offs | 1,980.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 219.2000% | 385 |
| Efficiency ratio | 72.3651% | 2,282 |
| Assets per employee ($millions) | 8.1621% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2703% | 386 |
| Loan loss allowance to noncurrent loans | 221.6531% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 3,010 |
| Noncurrent loans to loans | 1.0243% | 1,921 |
| Net loans and leases to total assets | 50.2083% | 4,694 |
| Net loans and leases to deposits | 56.1131% | 4,851 |
| Net loans and leases to core deposits | 58.2635% | 4,909 |
| Total domestic deposits to total assets | 89.4770% | 733 |
| Equity capital to assets | 9.7340% | 4,195 |
| Core capital (leverage) ratio | 9.9887% | 3,552 |
| Tier 1 risk-based capital ratio | 18.2597% | 1,787 |
| Total risk-based capital ratio | 19.5211% | 1,745 |
| Memoranda: | ||
| Average total assets | $159,529,000 | 3,399 |
| Average earning assets | $152,076,670 | 3,345 |
| Average equity | $15,099,670 | 3,748 |
| Average total loans | $87,239,000 | 3,631 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 4,461 |
| Cost of funding earning assets | 0.2450% | 4,578 |
| Net interest margin | 3.3374% | 3,894 |
| Noninterest income to average assets | 1.0934% | 828 |
| Noninterest expense to average assets | 2.8794% | 2,520 |
| Loan and lease loss provision to assets | 0.1370% | 1,389 |
| Net operating income to assets | 1.2558% | 1,358 |
| Return on assets (ROA) | 1.2583% | 1,387 |
| Pretax return on assets | 1.2583% | 2,389 |
| Return on Equity (ROE) | 13.4925% | 906 |
| Retained earnings to average equity (ytd only) | 13.4925% | 337 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3990% | 3,291 |
| Assets per employee ($millions) | 8.1036% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1327% | 522 |
| Loan loss allowance to noncurrent loans | 209.2031% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 3,035 |
| Noncurrent loans to loans | 1.0194% | 2,014 |
| Net loans and leases to total assets | 52.7778% | 4,447 |
| Net loans and leases to deposits | 58.6725% | 4,652 |
| Net loans and leases to core deposits | 60.9215% | 4,729 |
| Total domestic deposits to total assets | 89.9532% | 681 |
| Equity capital to assets | 9.2878% | 4,528 |
| Core capital (leverage) ratio | 10.1080% | 3,368 |
| Tier 1 risk-based capital ratio | 17.2689% | 2,104 |
| Total risk-based capital ratio | 18.5286% | 2,049 |
| Memoranda: | ||
| Average total assets | $157,672,500 | 3,456 |
| Average earning assets | $150,175,000 | 3,394 |
| Average equity | $14,704,500 | 3,815 |
| Average total loans | $88,926,000 | 3,617 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5187% | 4,736 |
| Cost of funding earning assets | 0.2684% | 4,386 |
| Net interest margin | 3.2503% | 4,298 |
| Noninterest income to average assets | 0.5781% | 2,770 |
| Noninterest expense to average assets | 2.4880% | 4,054 |
| Loan and lease loss provision to assets | 0.1331% | 1,874 |
| Net operating income to assets | 1.0544% | 2,117 |
| Return on assets (ROA) | 1.1092% | 1,958 |
| Pretax return on assets | 1.1092% | 3,065 |
| Return on Equity (ROE) | 11.2850% | 1,475 |
| Retained earnings to average equity (ytd only) | 6.1537% | 1,631 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6904% | 3,304 |
| Assets per employee ($millions) | 8.0670% | 595 |
| Cash dividends to net income (ytd only)* | 45.4706% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0011% | 658 |
| Loan loss allowance to noncurrent loans | 112.0743% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 1,756 |
| Noncurrent loans to loans | 1.7855% | 1,066 |
| Net loans and leases to total assets | 57.8315% | 4,084 |
| Net loans and leases to deposits | 64.3830% | 4,376 |
| Net loans and leases to core deposits | 67.3024% | 4,445 |
| Total domestic deposits to total assets | 89.8240% | 713 |
| Equity capital to assets | 9.3663% | 4,407 |
| Core capital (leverage) ratio | 9.7442% | 3,811 |
| Tier 1 risk-based capital ratio | 16.2541% | 2,449 |
| Total risk-based capital ratio | 17.5126% | 2,384 |
| Memoranda: | ||
| Average total assets | $153,258,600 | 3,468 |
| Average earning assets | $146,049,600 | 3,420 |
| Average equity | $15,064,200 | 3,802 |
| Average total loans | $88,089,000 | 3,616 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 4,852 |
| Cost of funding earning assets | 0.2692% | 4,397 |
| Net interest margin | 3.2147% | 4,445 |
| Noninterest income to average assets | 0.3898% | 3,993 |
| Noninterest expense to average assets | 2.4655% | 4,089 |
| Loan and lease loss provision to assets | 0.1331% | 1,761 |
| Net operating income to assets | 0.8561% | 3,118 |
| Return on assets (ROA) | 0.9187% | 2,936 |
| Pretax return on assets | 0.9187% | 3,913 |
| Return on Equity (ROE) | 9.2378% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.2378% | 748 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3674% | 2,672 |
| Assets per employee ($millions) | 8.1607% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 839 |
| Loan loss allowance to noncurrent loans | 106.0277% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 1,879 |
| Noncurrent loans to loans | 1.8003% | 1,149 |
| Net loans and leases to total assets | 58.2965% | 4,071 |
| Net loans and leases to deposits | 65.5991% | 4,380 |
| Net loans and leases to core deposits | 68.5658% | 4,424 |
| Total domestic deposits to total assets | 88.8677% | 979 |
| Equity capital to assets | 10.3009% | 3,803 |
| Core capital (leverage) ratio | 9.6086% | 4,043 |
| Tier 1 risk-based capital ratio | 15.9491% | 2,647 |
| Total risk-based capital ratio | 17.2058% | 2,583 |
| Memoranda: | ||
| Average total assets | $153,255,000 | 3,486 |
| Average earning assets | $146,116,000 | 3,433 |
| Average equity | $15,241,250 | 3,810 |
| Average total loans | $87,498,750 | 3,644 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 4,965 |
| Cost of funding earning assets | 0.2676% | 4,473 |
| Net interest margin | 3.1911% | 4,569 |
| Noninterest income to average assets | 0.3380% | 4,359 |
| Noninterest expense to average assets | 2.4814% | 4,081 |
| Loan and lease loss provision to assets | 0.1336% | 1,711 |
| Net operating income to assets | 0.7691% | 3,452 |
| Return on assets (ROA) | 0.8621% | 3,162 |
| Pretax return on assets | 0.8621% | 4,075 |
| Return on Equity (ROE) | 8.7747% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.7747% | 911 |
| Net charge-offs to loans | 0.0047% | 3,543 |
| Credit loss provision to net charge-offs | 5,100.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 344.5000% | 201 |
| Efficiency ratio | 73.3256% | 2,465 |
| Assets per employee ($millions) | 7.8584% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 844 |
| Loan loss allowance to noncurrent loans | 100.2939% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 1,920 |
| Noncurrent loans to loans | 1.9284% | 1,046 |
| Net loans and leases to total assets | 55.0373% | 4,409 |
| Net loans and leases to deposits | 61.6337% | 4,684 |
| Net loans and leases to core deposits | 64.3637% | 4,721 |
| Total domestic deposits to total assets | 89.2974% | 766 |
| Equity capital to assets | 9.9562% | 4,281 |
| Core capital (leverage) ratio | 9.6789% | 3,964 |
| Tier 1 risk-based capital ratio | 16.3432% | 2,486 |
| Total risk-based capital ratio | 17.6007% | 2,429 |
| Memoranda: | ||
| Average total assets | $152,655,330 | 3,516 |
| Average earning assets | $145,717,000 | 3,463 |
| Average equity | $14,997,670 | 3,853 |
| Average total loans | $85,948,330 | 3,693 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 5,023 |
| Cost of funding earning assets | 0.2695% | 4,508 |
| Net interest margin | 3.1724% | 4,665 |
| Noninterest income to average assets | 0.3617% | 4,140 |
| Noninterest expense to average assets | 2.4947% | 4,087 |
| Loan and lease loss provision to assets | 0.1356% | 1,547 |
| Net operating income to assets | 0.7686% | 3,402 |
| Return on assets (ROA) | 0.8404% | 3,161 |
| Pretax return on assets | 0.8404% | 4,063 |
| Return on Equity (ROE) | 8.6148% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.6148% | 1,225 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3959% | 2,575 |
| Assets per employee ($millions) | 7.5411% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 960 |
| Loan loss allowance to noncurrent loans | 162.2919% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 3,026 |
| Noncurrent loans to loans | 1.1750% | 2,062 |
| Net loans and leases to total assets | 56.5170% | 4,195 |
| Net loans and leases to deposits | 63.2124% | 4,487 |
| Net loans and leases to core deposits | 66.1272% | 4,528 |
| Total domestic deposits to total assets | 89.4080% | 885 |
| Equity capital to assets | 9.8898% | 4,226 |
| Core capital (leverage) ratio | 9.6854% | 3,931 |
| Tier 1 risk-based capital ratio | 16.1966% | 2,585 |
| Total risk-based capital ratio | 17.4543% | 2,543 |
| Memoranda: | ||
| Average total assets | $150,399,000 | 3,577 |
| Average earning assets | $143,993,000 | 3,498 |
| Average equity | $14,672,500 | 3,906 |
| Average total loans | $84,819,000 | 3,729 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0770% | 5,664 |
| Cost of funding earning assets | 0.2451% | 4,836 |
| Net interest margin | 2.8319% | 5,460 |
| Noninterest income to average assets | 0.4352% | 3,784 |
| Noninterest expense to average assets | 2.2891% | 4,822 |
| Loan and lease loss provision to assets | 0.1449% | 1,636 |
| Net operating income to assets | 0.6919% | 3,854 |
| Return on assets (ROA) | 0.6962% | 3,938 |
| Pretax return on assets | 0.6962% | 4,541 |
| Return on Equity (ROE) | 7.3142% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.3142% | 1,160 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2321% | 2,706 |
| Assets per employee ($millions) | 7.4988% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 896 |
| Loan loss allowance to noncurrent loans | 161.5694% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 3,055 |
| Noncurrent loans to loans | 1.2013% | 1,966 |
| Net loans and leases to total assets | 54.0987% | 4,491 |
| Net loans and leases to deposits | 60.3275% | 4,751 |
| Net loans and leases to core deposits | 63.1121% | 4,792 |
| Total domestic deposits to total assets | 89.6750% | 767 |
| Equity capital to assets | 9.6209% | 4,408 |
| Core capital (leverage) ratio | 9.5389% | 4,118 |
| Tier 1 risk-based capital ratio | 16.4861% | 2,490 |
| Total risk-based capital ratio | 17.7438% | 2,443 |
| Memoranda: | ||
| Average total assets | $160,149,600 | 3,433 |
| Average earning assets | $152,162,000 | 3,370 |
| Average equity | $15,244,400 | 3,794 |
| Average total loans | $94,858,800 | 3,478 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0092% | 5,808 |
| Cost of funding earning assets | 0.2375% | 5,016 |
| Net interest margin | 2.7716% | 5,630 |
| Noninterest income to average assets | 0.3311% | 4,574 |
| Noninterest expense to average assets | 2.1824% | 5,096 |
| Loan and lease loss provision to assets | 0.1393% | 1,594 |
| Net operating income to assets | 0.6392% | 4,184 |
| Return on assets (ROA) | 0.6450% | 4,269 |
| Pretax return on assets | 0.6450% | 4,845 |
| Return on Equity (ROE) | 6.7924% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.7924% | 1,793 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7061% | 2,608 |
| Assets per employee ($millions) | 7.4075% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8563% | 1,160 |
| Loan loss allowance to noncurrent loans | 152.6680% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 3,202 |
| Noncurrent loans to loans | 1.2159% | 2,102 |
| Net loans and leases to total assets | 55.1364% | 4,452 |
| Net loans and leases to deposits | 62.3966% | 4,689 |
| Net loans and leases to core deposits | 65.3545% | 4,737 |
| Total domestic deposits to total assets | 88.3644% | 1,365 |
| Equity capital to assets | 9.9717% | 4,182 |
| Core capital (leverage) ratio | 9.7141% | 4,016 |
| Tier 1 risk-based capital ratio | 16.6381% | 2,508 |
| Total risk-based capital ratio | 17.8940% | 2,463 |
| Memoranda: | ||
| Average total assets | $162,693,000 | 3,433 |
| Average earning assets | $154,369,000 | 3,366 |
| Average equity | $15,448,250 | 3,804 |
| Average total loans | $97,888,250 | 3,453 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8926% | 5,951 |
| Cost of funding earning assets | 0.2243% | 5,201 |
| Net interest margin | 2.6684% | 5,803 |
| Noninterest income to average assets | 0.3199% | 4,668 |
| Noninterest expense to average assets | 2.1010% | 5,339 |
| Loan and lease loss provision to assets | 0.1432% | 1,523 |
| Net operating income to assets | 0.6040% | 4,327 |
| Return on assets (ROA) | 0.6112% | 4,405 |
| Pretax return on assets | 0.6112% | 4,947 |
| Return on Equity (ROE) | 6.5334% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.5334% | 1,931 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7636% | 2,711 |
| Assets per employee ($millions) | 7.4553% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8353% | 1,302 |
| Loan loss allowance to noncurrent loans | 149.1018% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 3,385 |
| Noncurrent loans to loans | 1.2309% | 2,194 |
| Net loans and leases to total assets | 53.5918% | 4,600 |
| Net loans and leases to deposits | 59.6747% | 4,878 |
| Net loans and leases to core deposits | 62.2991% | 4,925 |
| Total domestic deposits to total assets | 89.8065% | 746 |
| Equity capital to assets | 9.5644% | 4,576 |
| Core capital (leverage) ratio | 9.7394% | 3,952 |
| Tier 1 risk-based capital ratio | 16.1756% | 2,770 |
| Total risk-based capital ratio | 17.4314% | 2,716 |
| Memoranda: | ||
| Average total assets | $167,541,000 | 3,394 |
| Average earning assets | $158,749,330 | 3,312 |
| Average equity | $15,673,330 | 3,783 |
| Average total loans | $102,774,670 | 3,384 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7214% | 6,119 |
| Cost of funding earning assets | 0.2088% | 5,428 |
| Net interest margin | 2.5126% | 6,000 |
| Noninterest income to average assets | 0.2942% | 4,820 |
| Noninterest expense to average assets | 1.9914% | 5,599 |
| Loan and lease loss provision to assets | 0.1358% | 1,525 |
| Net operating income to assets | 0.5363% | 4,524 |
| Return on assets (ROA) | 0.5454% | 4,610 |
| Pretax return on assets | 0.5454% | 5,061 |
| Return on Equity (ROE) | 5.8854% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.8854% | 2,556 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7664% | 2,698 |
| Assets per employee ($millions) | 7.3694% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 1,605 |
| Loan loss allowance to noncurrent loans | 130.8394% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 3,256 |
| Noncurrent loans to loans | 1.3410% | 2,145 |
| Net loans and leases to total assets | 54.4797% | 4,374 |
| Net loans and leases to deposits | 60.7029% | 4,691 |
| Net loans and leases to core deposits | 64.8380% | 4,621 |
| Total domestic deposits to total assets | 89.7481% | 877 |
| Equity capital to assets | 9.6739% | 4,542 |
| Core capital (leverage) ratio | 9.8825% | 3,780 |
| Tier 1 risk-based capital ratio | 15.9067% | 2,965 |
| Total risk-based capital ratio | 17.1610% | 2,908 |
| Memoranda: | ||
| Average total assets | $176,759,000 | 3,279 |
| Average earning assets | $166,679,500 | 3,224 |
| Average equity | $16,379,500 | 3,680 |
| Average total loans | $113,461,000 | 3,209 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 4,201 |
| Cost of funding earning assets | 0.3143% | 4,640 |
| Net interest margin | 3.5668% | 3,534 |
| Noninterest income to average assets | 0.1872% | 5,736 |
| Noninterest expense to average assets | 2.9236% | 3,074 |
| Loan and lease loss provision to assets | 0.1847% | 1,390 |
| Net operating income to assets | 0.4302% | 5,113 |
| Return on assets (ROA) | 0.4427% | 5,140 |
| Pretax return on assets | 0.4427% | 5,398 |
| Return on Equity (ROE) | 5.0043% | 4,662 |
| Retained earnings to average equity (ytd only) | 5.0043% | 2,596 |
| Net charge-offs to loans | -0.0412% | 5,870 |
| Credit loss provision to net charge-offs | -662.5000% | 5,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6203% | 1,582 |
| Assets per employee ($millions) | 5.7259% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 2,391 |
| Loan loss allowance to noncurrent loans | 54.4041% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.9662% | 1,310 |
| Noncurrent loans to loans | 2.7915% | 846 |
| Net loans and leases to total assets | 69.3671% | 2,329 |
| Net loans and leases to deposits | 76.5914% | 3,133 |
| Net loans and leases to core deposits | 81.3730% | 3,160 |
| Total domestic deposits to total assets | 90.5676% | 512 |
| Equity capital to assets | 8.9754% | 5,319 |
| Core capital (leverage) ratio | 8.9572% | 5,054 |
| Tier 1 risk-based capital ratio | 12.7467% | 4,891 |
| Total risk-based capital ratio | 13.9997% | 4,795 |
| Memoranda: | ||
| Average total assets | $200,813,600 | 2,984 |
| Average earning assets | $188,685,800 | 2,922 |
| Average equity | $17,764,600 | 3,426 |
| Average total loans | $136,026,600 | 2,764 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 4,210 |
| Cost of funding earning assets | 0.3134% | 4,750 |
| Net interest margin | 3.5756% | 3,530 |
| Noninterest income to average assets | 0.3315% | 4,787 |
| Noninterest expense to average assets | 2.9362% | 3,005 |
| Loan and lease loss provision to assets | 0.2119% | 1,092 |
| Net operating income to assets | 0.5461% | 4,689 |
| Return on assets (ROA) | 0.5614% | 4,699 |
| Pretax return on assets | 0.5614% | 5,150 |
| Return on Equity (ROE) | 6.3705% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.3705% | 2,178 |
| Net charge-offs to loans | -0.0479% | 5,885 |
| Credit loss provision to net charge-offs | -660.4167% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4825% | 1,990 |
| Assets per employee ($millions) | 5.6329% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 2,468 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 2,579 |
| Noncurrent loans to loans | 1.7522% | 1,849 |
| Net loans and leases to total assets | 66.8269% | 2,717 |
| Net loans and leases to deposits | 73.8622% | 3,445 |
| Net loans and leases to core deposits | 77.3589% | 3,600 |
| Total domestic deposits to total assets | 90.4751% | 539 |
| Equity capital to assets | 9.0401% | 5,311 |
| Core capital (leverage) ratio | 9.1032% | 4,929 |
| Tier 1 risk-based capital ratio | 13.1657% | 4,754 |
| Total risk-based capital ratio | 14.4191% | 4,687 |
| Memoranda: | ||
| Average total assets | $199,484,250 | 3,027 |
| Average earning assets | $187,600,000 | 2,964 |
| Average equity | $17,580,500 | 3,461 |
| Average total loans | $133,735,250 | 2,808 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 4,264 |
| Cost of funding earning assets | 0.3157% | 4,816 |
| Net interest margin | 3.5535% | 3,555 |
| Noninterest income to average assets | 0.3297% | 4,780 |
| Noninterest expense to average assets | 2.9297% | 3,069 |
| Loan and lease loss provision to assets | 0.2137% | 1,102 |
| Net operating income to assets | 0.5333% | 4,679 |
| Return on assets (ROA) | 0.5565% | 4,668 |
| Pretax return on assets | 0.5565% | 5,107 |
| Return on Equity (ROE) | 6.3705% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.3705% | 2,106 |
| Net charge-offs to loans | -0.0498% | 5,871 |
| Credit loss provision to net charge-offs | -642.4242% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6819% | 2,066 |
| Assets per employee ($millions) | 5.4374% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 2,945 |
| Loan loss allowance to noncurrent loans | 81.7447% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 2,634 |
| Noncurrent loans to loans | 1.8244% | 1,880 |
| Net loans and leases to total assets | 66.4523% | 2,682 |
| Net loans and leases to deposits | 73.3577% | 3,407 |
| Net loans and leases to core deposits | 77.1860% | 3,520 |
| Total domestic deposits to total assets | 90.5866% | 550 |
| Equity capital to assets | 8.9650% | 5,338 |
| Core capital (leverage) ratio | 9.1775% | 4,772 |
| Tier 1 risk-based capital ratio | 12.9692% | 4,933 |
| Total risk-based capital ratio | 14.2213% | 4,867 |
| Memoranda: | ||
| Average total assets | $198,384,000 | 3,055 |
| Average earning assets | $186,858,000 | 2,991 |
| Average equity | $17,330,000 | 3,493 |
| Average total loans | $132,427,330 | 2,825 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 4,341 |
| Cost of funding earning assets | 0.3219% | 4,836 |
| Net interest margin | 3.5129% | 3,634 |
| Noninterest income to average assets | 0.3818% | 4,336 |
| Noninterest expense to average assets | 2.9505% | 3,047 |
| Loan and lease loss provision to assets | 0.2152% | 1,064 |
| Net operating income to assets | 0.5401% | 4,501 |
| Return on assets (ROA) | 0.5787% | 4,375 |
| Pretax return on assets | 0.5787% | 4,901 |
| Return on Equity (ROE) | 6.7150% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.7150% | 2,185 |
| Net charge-offs to loans | -0.0520% | 5,820 |
| Credit loss provision to net charge-offs | -623.5294% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6164% | 2,258 |
| Assets per employee ($millions) | 5.3434% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 3,410 |
| Loan loss allowance to noncurrent loans | 66.3294% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 2,449 |
| Noncurrent loans to loans | 2.1720% | 1,681 |
| Net loans and leases to total assets | 65.7803% | 2,603 |
| Net loans and leases to deposits | 72.4510% | 3,278 |
| Net loans and leases to core deposits | 76.8814% | 3,320 |
| Total domestic deposits to total assets | 90.7928% | 644 |
| Equity capital to assets | 8.7717% | 5,369 |
| Core capital (leverage) ratio | 9.1192% | 4,838 |
| Tier 1 risk-based capital ratio | 13.2343% | 4,873 |
| Total risk-based capital ratio | 14.4860% | 4,805 |
| Memoranda: | ||
| Average total assets | $196,985,000 | 3,091 |
| Average earning assets | $186,399,500 | 3,015 |
| Average equity | $16,977,000 | 3,555 |
| Average total loans | $130,784,000 | 2,865 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 4,180 |
| Cost of funding earning assets | 0.4227% | 4,407 |
| Net interest margin | 3.5511% | 3,674 |
| Noninterest income to average assets | 0.3072% | 5,137 |
| Noninterest expense to average assets | 2.8488% | 3,532 |
| Loan and lease loss provision to assets | 0.3497% | 902 |
| Net operating income to assets | 0.4424% | 4,990 |
| Return on assets (ROA) | 0.4461% | 5,098 |
| Pretax return on assets | 0.4461% | 5,372 |
| Return on Equity (ROE) | 5.0525% | 4,603 |
| Retained earnings to average equity (ytd only) | 5.0525% | 2,560 |
| Net charge-offs to loans | 0.4172% | 1,606 |
| Credit loss provision to net charge-offs | 129.5585% | 1,809 |
| Earnings coverage of net charge-offs (x) | 2.9347% | 4,015 |
| Efficiency ratio | 78.2442% | 2,432 |
| Assets per employee ($millions) | 5.3045% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,779 |
| Loan loss allowance to noncurrent loans | 127.0714% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 4,109 |
| Noncurrent loans to loans | 1.0801% | 3,366 |
| Net loans and leases to total assets | 65.1349% | 2,835 |
| Net loans and leases to deposits | 71.5016% | 3,588 |
| Net loans and leases to core deposits | 75.4365% | 3,676 |
| Total domestic deposits to total assets | 91.0957% | 537 |
| Equity capital to assets | 8.4641% | 5,623 |
| Core capital (leverage) ratio | 8.7658% | 5,337 |
| Tier 1 risk-based capital ratio | 13.0130% | 4,964 |
| Total risk-based capital ratio | 14.2637% | 4,914 |
| Memoranda: | ||
| Average total assets | $193,026,200 | 3,109 |
| Average earning assets | $181,210,400 | 3,052 |
| Average equity | $17,041,000 | 3,559 |
| Average total loans | $124,865,400 | 2,942 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 4,225 |
| Cost of funding earning assets | 0.4399% | 4,378 |
| Net interest margin | 3.5353% | 3,732 |
| Noninterest income to average assets | 0.3163% | 5,168 |
| Noninterest expense to average assets | 2.9029% | 3,297 |
| Loan and lease loss provision to assets | 0.3329% | 989 |
| Net operating income to assets | 0.3919% | 5,276 |
| Return on assets (ROA) | 0.3968% | 5,392 |
| Pretax return on assets | 0.3968% | 5,631 |
| Return on Equity (ROE) | 4.4474% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.4474% | 3,504 |
| Net charge-offs to loans | 0.4183% | 1,531 |
| Credit loss provision to net charge-offs | 123.7113% | 1,902 |
| Earnings coverage of net charge-offs (x) | 2.6933% | 3,938 |
| Efficiency ratio | 80.0191% | 2,098 |
| Assets per employee ($millions) | 5.0243% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,125 |
| Loan loss allowance to noncurrent loans | 119.9161% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 4,283 |
| Noncurrent loans to loans | 1.1270% | 3,550 |
| Net loans and leases to total assets | 63.9248% | 3,011 |
| Net loans and leases to deposits | 70.2508% | 3,749 |
| Net loans and leases to core deposits | 74.5831% | 3,777 |
| Total domestic deposits to total assets | 90.9951% | 540 |
| Equity capital to assets | 8.5078% | 5,729 |
| Core capital (leverage) ratio | 8.8662% | 5,296 |
| Tier 1 risk-based capital ratio | 13.0786% | 5,070 |
| Total risk-based capital ratio | 14.3293% | 5,023 |
| Memoranda: | ||
| Average total assets | $192,216,500 | 3,147 |
| Average earning assets | $180,048,250 | 3,100 |
| Average equity | $17,148,250 | 3,585 |
| Average total loans | $123,677,750 | 2,981 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 4,110 |
| Cost of funding earning assets | 0.4610% | 4,297 |
| Net interest margin | 3.5389% | 3,615 |
| Noninterest income to average assets | 0.3341% | 5,021 |
| Noninterest expense to average assets | 2.9292% | 3,241 |
| Loan and lease loss provision to assets | 0.3184% | 1,106 |
| Net operating income to assets | 0.3990% | 5,217 |
| Return on assets (ROA) | 0.4063% | 5,359 |
| Pretax return on assets | 0.4063% | 5,627 |
| Return on Equity (ROE) | 4.4836% | 5,007 |
| Retained earnings to average equity (ytd only) | 4.4836% | 3,412 |
| Net charge-offs to loans | 0.1012% | 3,350 |
| Credit loss provision to net charge-offs | 490.3226% | 567 |
| Earnings coverage of net charge-offs (x) | 11.0484% | 2,096 |
| Efficiency ratio | 80.3274% | 2,111 |
| Assets per employee ($millions) | 5.1914% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 3,691 |
| Loan loss allowance to noncurrent loans | 105.3642% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9777% | 3,812 |
| Noncurrent loans to loans | 1.4018% | 3,193 |
| Net loans and leases to total assets | 64.8001% | 2,793 |
| Net loans and leases to deposits | 71.3361% | 3,541 |
| Net loans and leases to core deposits | 76.2009% | 3,525 |
| Total domestic deposits to total assets | 90.8377% | 606 |
| Equity capital to assets | 8.6672% | 5,595 |
| Core capital (leverage) ratio | 9.0693% | 4,879 |
| Tier 1 risk-based capital ratio | 13.1565% | 5,028 |
| Total risk-based capital ratio | 14.4091% | 4,965 |
| Memoranda: | ||
| Average total assets | $190,972,330 | 3,183 |
| Average earning assets | $178,754,000 | 3,134 |
| Average equity | $17,307,330 | 3,577 |
| Average total loans | $122,578,330 | 3,011 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 4,141 |
| Cost of funding earning assets | 0.4832% | 4,258 |
| Net interest margin | 3.5107% | 3,653 |
| Noninterest income to average assets | 0.3340% | 5,026 |
| Noninterest expense to average assets | 2.9283% | 3,241 |
| Loan and lease loss provision to assets | 0.2122% | 1,748 |
| Net operating income to assets | 0.4747% | 4,798 |
| Return on assets (ROA) | 0.4873% | 4,892 |
| Pretax return on assets | 0.4873% | 5,302 |
| Return on Equity (ROE) | 5.2617% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.2617% | 3,076 |
| Net charge-offs to loans | 0.1558% | 2,463 |
| Credit loss provision to net charge-offs | 214.8936% | 1,030 |
| Earnings coverage of net charge-offs (x) | 6.9574% | 2,142 |
| Efficiency ratio | 80.9994% | 2,186 |
| Assets per employee ($millions) | 5.2209% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,332 |
| Loan loss allowance to noncurrent loans | 1,083.2258% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 6,218 |
| Noncurrent loans to loans | 0.1274% | 6,090 |
| Net loans and leases to total assets | 63.8321% | 2,740 |
| Net loans and leases to deposits | 70.8516% | 3,348 |
| Net loans and leases to core deposits | 75.9241% | 3,334 |
| Total domestic deposits to total assets | 90.0926% | 988 |
| Equity capital to assets | 9.4152% | 4,981 |
| Core capital (leverage) ratio | 9.0029% | 4,884 |
| Tier 1 risk-based capital ratio | 13.3936% | 4,943 |
| Total risk-based capital ratio | 14.6441% | 4,897 |
| Memoranda: | ||
| Average total assets | $190,418,500 | 3,216 |
| Average earning assets | $177,968,000 | 3,173 |
| Average equity | $17,637,000 | 3,576 |
| Average total loans | $120,700,500 | 3,076 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 4,418 |
| Cost of funding earning assets | 0.7046% | 3,458 |
| Net interest margin | 3.5410% | 4,338 |
| Noninterest income to average assets | 0.3029% | 5,285 |
| Noninterest expense to average assets | 2.7946% | 4,039 |
| Loan and lease loss provision to assets | 0.1766% | 3,418 |
| Net operating income to assets | 0.5253% | 4,578 |
| Return on assets (ROA) | 0.5869% | 4,560 |
| Pretax return on assets | 0.5869% | 5,033 |
| Return on Equity (ROE) | 6.5522% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.5522% | 1,789 |
| Net charge-offs to loans | 0.0346% | 5,436 |
| Credit loss provision to net charge-offs | 838.4615% | 296 |
| Earnings coverage of net charge-offs (x) | 33.3333% | 933 |
| Efficiency ratio | 79.9259% | 2,159 |
| Assets per employee ($millions) | 5.3579% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,369 |
| Loan loss allowance to noncurrent loans | 176.6304% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 5,205 |
| Noncurrent loans to loans | 0.7683% | 4,646 |
| Net loans and leases to total assets | 61.2403% | 3,382 |
| Net loans and leases to deposits | 67.7503% | 4,020 |
| Net loans and leases to core deposits | 72.4580% | 3,985 |
| Total domestic deposits to total assets | 90.3912% | 756 |
| Equity capital to assets | 9.1132% | 5,389 |
| Core capital (leverage) ratio | 8.7209% | 5,295 |
| Tier 1 risk-based capital ratio | 13.1792% | 4,979 |
| Total risk-based capital ratio | 14.4292% | 4,919 |
| Memoranda: | ||
| Average total assets | $185,216,000 | 3,239 |
| Average earning assets | $167,042,600 | 3,269 |
| Average equity | $16,589,800 | 3,687 |
| Average total loans | $112,855,200 | 3,234 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 4,556 |
| Cost of funding earning assets | 0.7375% | 3,460 |
| Net interest margin | 3.5375% | 4,497 |
| Noninterest income to average assets | 0.3106% | 5,302 |
| Noninterest expense to average assets | 2.8063% | 3,959 |
| Loan and lease loss provision to assets | 0.1360% | 3,848 |
| Net operating income to assets | 0.5397% | 4,662 |
| Return on assets (ROA) | 0.6226% | 4,534 |
| Pretax return on assets | 0.6226% | 5,098 |
| Return on Equity (ROE) | 6.9835% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.9835% | 2,142 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5933% | 2,003 |
| Assets per employee ($millions) | 5.0812% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,683 |
| Loan loss allowance to noncurrent loans | 119.7327% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 4,992 |
| Noncurrent loans to loans | 1.1095% | 4,201 |
| Net loans and leases to total assets | 60.1687% | 3,749 |
| Net loans and leases to deposits | 66.7026% | 4,374 |
| Net loans and leases to core deposits | 72.2542% | 4,218 |
| Total domestic deposits to total assets | 90.2044% | 726 |
| Equity capital to assets | 9.2541% | 5,525 |
| Core capital (leverage) ratio | 8.7702% | 5,382 |
| Tier 1 risk-based capital ratio | 13.6227% | 4,800 |
| Total risk-based capital ratio | 14.8727% | 4,762 |
| Memoranda: | ||
| Average total assets | $183,298,500 | 3,292 |
| Average earning assets | $164,329,500 | 3,349 |
| Average equity | $16,342,750 | 3,765 |
| Average total loans | $111,131,750 | 3,301 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 4,471 |
| Cost of funding earning assets | 0.7767% | 3,390 |
| Net interest margin | 3.5487% | 4,472 |
| Noninterest income to average assets | 0.2982% | 5,420 |
| Noninterest expense to average assets | 2.8273% | 3,915 |
| Loan and lease loss provision to assets | 0.1156% | 4,080 |
| Net operating income to assets | 0.5029% | 4,810 |
| Return on assets (ROA) | 0.6284% | 4,481 |
| Pretax return on assets | 0.6284% | 5,036 |
| Return on Equity (ROE) | 7.1415% | 3,707 |
| Retained earnings to average equity (ytd only) | 7.1415% | 2,025 |
| Net charge-offs to loans | 0.0018% | 5,492 |
| Credit loss provision to net charge-offs | 10,500.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 70 |
| Efficiency ratio | 82.0505% | 1,870 |
| Assets per employee ($millions) | 5.0271% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 5,069 |
| Loan loss allowance to noncurrent loans | 4,235.2941% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 6,784 |
| Noncurrent loans to loans | 0.0298% | 6,614 |
| Net loans and leases to total assets | 60.5257% | 3,729 |
| Net loans and leases to deposits | 66.9265% | 4,374 |
| Net loans and leases to core deposits | 72.8860% | 4,181 |
| Total domestic deposits to total assets | 90.4361% | 701 |
| Equity capital to assets | 9.0660% | 5,627 |
| Core capital (leverage) ratio | 8.8893% | 5,065 |
| Tier 1 risk-based capital ratio | 13.5384% | 4,792 |
| Total risk-based capital ratio | 14.7367% | 4,793 |
| Memoranda: | ||
| Average total assets | $181,730,330 | 3,328 |
| Average earning assets | $161,188,000 | 3,402 |
| Average equity | $15,991,000 | 3,803 |
| Average total loans | $109,961,670 | 3,334 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 4,173 |
| Cost of funding earning assets | 0.8179% | 3,327 |
| Net interest margin | 3.6182% | 4,188 |
| Noninterest income to average assets | 0.2985% | 5,488 |
| Noninterest expense to average assets | 2.8464% | 3,837 |
| Loan and lease loss provision to assets | 0.1403% | 3,599 |
| Net operating income to assets | 0.4744% | 4,932 |
| Return on assets (ROA) | 0.7283% | 3,973 |
| Pretax return on assets | 0.7283% | 4,696 |
| Return on Equity (ROE) | 8.4089% | 3,103 |
| Retained earnings to average equity (ytd only) | 8.4089% | 1,818 |
| Net charge-offs to loans | -0.0037% | 5,762 |
| Credit loss provision to net charge-offs | -6,300.0000% | 6,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2394% | 1,909 |
| Assets per employee ($millions) | 4.8006% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 5,178 |
| Loan loss allowance to noncurrent loans | 1,473.6842% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 6,762 |
| Noncurrent loans to loans | 0.0859% | 6,540 |
| Net loans and leases to total assets | 59.8571% | 3,699 |
| Net loans and leases to deposits | 65.7288% | 4,414 |
| Net loans and leases to core deposits | 71.5821% | 4,213 |
| Total domestic deposits to total assets | 91.0668% | 523 |
| Equity capital to assets | 8.4744% | 6,106 |
| Core capital (leverage) ratio | 8.5584% | 5,500 |
| Tier 1 risk-based capital ratio | 12.5805% | 5,536 |
| Total risk-based capital ratio | 13.7527% | 5,563 |
| Memoranda: | ||
| Average total assets | $179,594,500 | 3,386 |
| Average earning assets | $156,985,000 | 3,493 |
| Average equity | $15,555,000 | 3,879 |
| Average total loans | $107,933,000 | 3,408 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 4,737 |
| Cost of funding earning assets | 0.8416% | 4,530 |
| Net interest margin | 3.7427% | 4,110 |
| Noninterest income to average assets | 0.4646% | 4,096 |
| Noninterest expense to average assets | 2.8624% | 4,119 |
| Loan and lease loss provision to assets | 0.2159% | 4,035 |
| Net operating income to assets | 0.7574% | 3,229 |
| Return on assets (ROA) | 0.7574% | 3,392 |
| Pretax return on assets | 0.7574% | 4,126 |
| Return on Equity (ROE) | 8.3102% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.3102% | 983 |
| Net charge-offs to loans | 0.0215% | 6,148 |
| Credit loss provision to net charge-offs | 1,685.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 75.9500% | 399 |
| Efficiency ratio | 74.6241% | 3,119 |
| Assets per employee ($millions) | 4.5325% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 5,070 |
| Loan loss allowance to noncurrent loans | 3,610.8108% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 6,921 |
| Noncurrent loans to loans | 0.0351% | 6,738 |
| Net loans and leases to total assets | 58.7991% | 4,227 |
| Net loans and leases to deposits | 64.9259% | 4,885 |
| Net loans and leases to core deposits | 71.9349% | 4,541 |
| Total domestic deposits to total assets | 90.5633% | 686 |
| Equity capital to assets | 8.8540% | 5,729 |
| Core capital (leverage) ratio | 8.8000% | 5,105 |
| Tier 1 risk-based capital ratio | 13.1117% | 4,982 |
| Total risk-based capital ratio | 14.2756% | 5,022 |
| Memoranda: | ||
| Average total assets | $156,058,000 | 3,702 |
| Average earning assets | $140,566,200 | 3,733 |
| Average equity | $14,223,400 | 4,065 |
| Average total loans | $93,157,000 | 3,783 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 4,936 |
| Cost of funding earning assets | 0.8448% | 4,805 |
| Net interest margin | 3.7370% | 4,178 |
| Noninterest income to average assets | 0.4127% | 4,566 |
| Noninterest expense to average assets | 2.8702% | 4,058 |
| Loan and lease loss provision to assets | 0.2439% | 3,564 |
| Net operating income to assets | 0.6955% | 3,646 |
| Return on assets (ROA) | 0.6955% | 3,818 |
| Pretax return on assets | 0.6955% | 4,499 |
| Return on Equity (ROE) | 7.5672% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.5672% | 1,681 |
| Net charge-offs to loans | 0.0237% | 5,819 |
| Credit loss provision to net charge-offs | 1,725.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 66.4463% | 494 |
| Efficiency ratio | 75.3421% | 2,954 |
| Assets per employee ($millions) | 3.9702% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 5,223 |
| Loan loss allowance to noncurrent loans | 3,654.2857% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 7,009 |
| Noncurrent loans to loans | 0.0343% | 6,856 |
| Net loans and leases to total assets | 61.8343% | 3,767 |
| Net loans and leases to deposits | 68.6234% | 4,498 |
| Net loans and leases to core deposits | 75.5941% | 4,245 |
| Total domestic deposits to total assets | 90.1067% | 812 |
| Equity capital to assets | 9.2986% | 5,384 |
| Core capital (leverage) ratio | 9.1350% | 4,733 |
| Tier 1 risk-based capital ratio | 13.5189% | 4,719 |
| Total risk-based capital ratio | 14.6987% | 4,746 |
| Memoranda: | ||
| Average total assets | $150,880,500 | 3,809 |
| Average earning assets | $137,146,750 | 3,816 |
| Average equity | $13,866,500 | 4,149 |
| Average total loans | $90,127,750 | 3,887 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 5,146 |
| Cost of funding earning assets | 0.8636% | 4,959 |
| Net interest margin | 3.6945% | 4,289 |
| Noninterest income to average assets | 0.4002% | 4,683 |
| Noninterest expense to average assets | 2.8779% | 4,113 |
| Loan and lease loss provision to assets | 0.2341% | 3,568 |
| Net operating income to assets | 0.6425% | 3,838 |
| Return on assets (ROA) | 0.6425% | 3,962 |
| Pretax return on assets | 0.6425% | 4,598 |
| Return on Equity (ROE) | 7.0221% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.0221% | 1,868 |
| Net charge-offs to loans | 0.0302% | 5,420 |
| Credit loss provision to net charge-offs | 1,323.0769% | 265 |
| Earnings coverage of net charge-offs (x) | 49.5385% | 628 |
| Efficiency ratio | 76.6497% | 2,912 |
| Assets per employee ($millions) | 4.5954% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 5,384 |
| Loan loss allowance to noncurrent loans | 2,804.7619% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 7,031 |
| Noncurrent loans to loans | 0.0441% | 6,873 |
| Net loans and leases to total assets | 60.2546% | 4,225 |
| Net loans and leases to deposits | 66.8767% | 4,874 |
| Net loans and leases to core deposits | 73.3104% | 4,665 |
| Total domestic deposits to total assets | 90.0981% | 922 |
| Equity capital to assets | 9.3374% | 5,095 |
| Core capital (leverage) ratio | 9.6431% | 3,745 |
| Tier 1 risk-based capital ratio | 12.7591% | 5,122 |
| Total risk-based capital ratio | 13.8073% | 5,264 |
| Memoranda: | ||
| Average total assets | $146,915,000 | 3,902 |
| Average earning assets | $133,388,000 | 3,917 |
| Average equity | $13,443,330 | 4,243 |
| Average total loans | $86,193,330 | 4,043 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 5,506 |
| Cost of funding earning assets | 0.8926% | 4,975 |
| Net interest margin | 3.5582% | 4,776 |
| Noninterest income to average assets | 0.4218% | 4,525 |
| Noninterest expense to average assets | 2.8766% | 4,160 |
| Loan and lease loss provision to assets | 0.1434% | 4,214 |
| Net operating income to assets | 0.6636% | 3,690 |
| Return on assets (ROA) | 0.6636% | 3,764 |
| Pretax return on assets | 0.6636% | 4,442 |
| Return on Equity (ROE) | 7.3346% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.3346% | 2,009 |
| Net charge-offs to loans | 0.0637% | 4,293 |
| Credit loss provision to net charge-offs | 392.3077% | 852 |
| Earnings coverage of net charge-offs (x) | 22.0769% | 1,061 |
| Efficiency ratio | 78.0916% | 2,829 |
| Assets per employee ($millions) | 4.2625% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,645 |
| Loan loss allowance to noncurrent loans | 2,642.5000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,108 |
| Noncurrent loans to loans | 0.0453% | 6,935 |
| Net loans and leases to total assets | 58.4363% | 4,567 |
| Net loans and leases to deposits | 64.7322% | 5,163 |
| Net loans and leases to core deposits | 71.4058% | 4,869 |
| Total domestic deposits to total assets | 90.2740% | 975 |
| Equity capital to assets | 9.1556% | 4,944 |
| Core capital (leverage) ratio | 9.8305% | 3,357 |
| Tier 1 risk-based capital ratio | 13.4750% | 4,437 |
| Total risk-based capital ratio | 14.4848% | 4,613 |
| Memoranda: | ||
| Average total assets | $142,251,500 | 4,026 |
| Average earning assets | $130,403,500 | 4,019 |
| Average equity | $12,870,500 | 4,371 |
| Average total loans | $81,629,500 | 4,200 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 5,918 |
| Cost of funding earning assets | 1.1451% | 4,882 |
| Net interest margin | 3.5163% | 5,180 |
| Noninterest income to average assets | 0.4533% | 4,489 |
| Noninterest expense to average assets | 3.0856% | 3,522 |
| Loan and lease loss provision to assets | 0.2445% | 4,843 |
| Net operating income to assets | 0.3050% | 4,917 |
| Return on assets (ROA) | 0.4950% | 4,278 |
| Pretax return on assets | 0.4950% | 4,635 |
| Return on Equity (ROE) | 5.1900% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.1900% | 2,314 |
| Net charge-offs to loans | 0.1093% | 5,780 |
| Credit loss provision to net charge-offs | 419.4805% | 565 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 1,821 |
| Efficiency ratio | 84.8844% | 1,813 |
| Assets per employee ($millions) | 4.5105% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,700 |
| Loan loss allowance to noncurrent loans | 1,323.3766% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 7,083 |
| Noncurrent loans to loans | 0.1026% | 6,882 |
| Net loans and leases to total assets | 54.6894% | 5,543 |
| Net loans and leases to deposits | 60.4876% | 6,002 |
| Net loans and leases to core deposits | 66.5052% | 5,830 |
| Total domestic deposits to total assets | 90.4142% | 880 |
| Equity capital to assets | 8.9288% | 5,241 |
| Core capital (leverage) ratio | 9.3178% | 3,981 |
| Tier 1 risk-based capital ratio | 13.7943% | 3,995 |
| Total risk-based capital ratio | 14.8866% | 4,078 |
| Memoranda: | ||
| Average total assets | $132,130,400 | 4,217 |
| Average earning assets | $119,557,600 | 4,242 |
| Average equity | $12,601,200 | 4,461 |
| Average total loans | $70,464,600 | 4,670 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 5,849 |
| Cost of funding earning assets | 1.1969% | 4,884 |
| Net interest margin | 3.5536% | 5,091 |
| Noninterest income to average assets | 0.4487% | 4,570 |
| Noninterest expense to average assets | 3.0913% | 3,371 |
| Loan and lease loss provision to assets | 0.2975% | 4,198 |
| Net operating income to assets | 0.2579% | 5,321 |
| Return on assets (ROA) | 0.5127% | 4,448 |
| Pretax return on assets | 0.5127% | 4,884 |
| Return on Equity (ROE) | 5.2888% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.2888% | 2,785 |
| Net charge-offs to loans | 0.1212% | 5,336 |
| Credit loss provision to net charge-offs | 465.0794% | 640 |
| Earnings coverage of net charge-offs (x) | 8.6824% | 2,125 |
| Efficiency ratio | 84.7717% | 1,753 |
| Assets per employee ($millions) | 4.3945% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,763 |
| Loan loss allowance to noncurrent loans | 2,507.5000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 7,187 |
| Noncurrent loans to loans | 0.0615% | 7,083 |
| Net loans and leases to total assets | 46.9966% | 6,611 |
| Net loans and leases to deposits | 52.4318% | 6,870 |
| Net loans and leases to core deposits | 56.7483% | 6,813 |
| Total domestic deposits to total assets | 89.6338% | 1,060 |
| Equity capital to assets | 9.7070% | 4,538 |
| Core capital (leverage) ratio | 9.4657% | 3,953 |
| Tier 1 risk-based capital ratio | 15.0525% | 3,228 |
| Total risk-based capital ratio | 16.2179% | 3,249 |
| Memoranda: | ||
| Average total assets | $131,334,250 | 4,291 |
| Average earning assets | $118,187,750 | 4,331 |
| Average equity | $12,731,000 | 4,490 |
| Average total loans | $69,325,250 | 4,783 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 5,359 |
| Cost of funding earning assets | 1.2292% | 4,963 |
| Net interest margin | 3.6771% | 4,465 |
| Noninterest income to average assets | 0.4503% | 4,513 |
| Noninterest expense to average assets | 3.1642% | 3,035 |
| Loan and lease loss provision to assets | 0.2606% | 4,321 |
| Net operating income to assets | 0.3099% | 5,136 |
| Return on assets (ROA) | 0.3161% | 5,281 |
| Pretax return on assets | 0.3161% | 5,456 |
| Return on Equity (ROE) | 3.2626% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.2626% | 4,024 |
| Net charge-offs to loans | 0.0198% | 6,068 |
| Credit loss provision to net charge-offs | 2,414.2857% | 175 |
| Earnings coverage of net charge-offs (x) | 52.8571% | 561 |
| Efficiency ratio | 84.7234% | 1,844 |
| Assets per employee ($millions) | 4.3022% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,518 |
| Loan loss allowance to noncurrent loans | 615.7895% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 7,103 |
| Noncurrent loans to loans | 0.2243% | 6,797 |
| Net loans and leases to total assets | 50.1046% | 6,422 |
| Net loans and leases to deposits | 56.0505% | 6,723 |
| Net loans and leases to core deposits | 60.9336% | 6,641 |
| Total domestic deposits to total assets | 89.3918% | 1,228 |
| Equity capital to assets | 9.9603% | 4,063 |
| Core capital (leverage) ratio | 9.4587% | 3,883 |
| Tier 1 risk-based capital ratio | 14.2936% | 3,548 |
| Total risk-based capital ratio | 15.3509% | 3,624 |
| Memoranda: | ||
| Average total assets | $129,702,000 | 4,361 |
| Average earning assets | $115,852,000 | 4,417 |
| Average equity | $12,566,670 | 4,533 |
| Average total loans | $70,758,000 | 4,767 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 5,273 |
| Cost of funding earning assets | 1.2286% | 5,240 |
| Net interest margin | 3.7105% | 4,187 |
| Noninterest income to average assets | 0.4567% | 4,407 |
| Noninterest expense to average assets | 3.3253% | 2,449 |
| Loan and lease loss provision to assets | 0.1376% | 5,182 |
| Net operating income to assets | 0.2815% | 5,365 |
| Return on assets (ROA) | 0.2815% | 5,499 |
| Pretax return on assets | 0.2815% | 5,657 |
| Return on Equity (ROE) | 2.9489% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.9489% | 4,360 |
| Net charge-offs to loans | -0.0111% | 6,914 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8053% | 1,521 |
| Assets per employee ($millions) | 4.3120% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,876 |
| Loan loss allowance to noncurrent loans | 2,925.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 7,439 |
| Noncurrent loans to loans | 0.0386% | 7,315 |
| Net loans and leases to total assets | 53.7035% | 6,066 |
| Net loans and leases to deposits | 59.8301% | 6,488 |
| Net loans and leases to core deposits | 64.1279% | 6,440 |
| Total domestic deposits to total assets | 89.7599% | 1,110 |
| Equity capital to assets | 9.6034% | 4,373 |
| Core capital (leverage) ratio | 9.8497% | 3,341 |
| Tier 1 risk-based capital ratio | 13.2218% | 4,193 |
| Total risk-based capital ratio | 14.0854% | 4,429 |
| Memoranda: | ||
| Average total assets | $127,868,500 | 4,460 |
| Average earning assets | $113,301,500 | 4,533 |
| Average equity | $12,208,000 | 4,659 |
| Average total loans | $72,257,000 | 4,775 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 6,404 |
| Cost of funding earning assets | 1.4760% | 5,609 |
| Net interest margin | 3.5344% | 4,804 |
| Noninterest income to average assets | 0.4970% | 4,440 |
| Noninterest expense to average assets | 2.9047% | 4,516 |
| Loan and lease loss provision to assets | 0.1262% | 6,377 |
| Net operating income to assets | 0.6497% | 3,135 |
| Return on assets (ROA) | 0.7468% | 2,828 |
| Pretax return on assets | 0.7617% | 3,369 |
| Return on Equity (ROE) | 6.8060% | 2,867 |
| Retained earnings to average equity (ytd only) | -3.4909% | 5,787 |
| Net charge-offs to loans | 0.0455% | 6,650 |
| Credit loss provision to net charge-offs | 480.0000% | 634 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 763 |
| Efficiency ratio | 78.6426% | 3,104 |
| Assets per employee ($millions) | 5.3072% | 1,833 |
| Cash dividends to net income (ytd only)* | 151.2911% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 6,013 |
| Loan loss allowance to noncurrent loans | 11,042.8571% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,525 |
| Noncurrent loans to loans | 0.0097% | 7,419 |
| Net loans and leases to total assets | 58.2767% | 5,613 |
| Net loans and leases to deposits | 64.9010% | 6,168 |
| Net loans and leases to core deposits | 81.9067% | 5,915 |
| Total domestic deposits to total assets | 89.7932% | 1,061 |
| Equity capital to assets | 9.4859% | 4,429 |
| Core capital (leverage) ratio | 9.6376% | 3,538 |
| Tier 1 risk-based capital ratio | 12.3869% | 4,607 |
| Total risk-based capital ratio | 13.2233% | 4,919 |
| Memoranda: | ||
| Average total assets | $114,089,200 | 4,722 |
| Average earning assets | $103,186,800 | 4,750 |
| Average equity | $12,518,400 | 4,627 |
| Average total loans | $65,878,400 | 5,024 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 6,632 |
| Cost of funding earning assets | 1.5227% | 5,739 |
| Net interest margin | 3.4661% | 5,008 |
| Noninterest income to average assets | 0.5198% | 4,320 |
| Noninterest expense to average assets | 2.7369% | 5,162 |
| Loan and lease loss provision to assets | 0.0285% | 7,063 |
| Net operating income to assets | 0.8721% | 2,528 |
| Return on assets (ROA) | 1.0015% | 2,112 |
| Pretax return on assets | 1.0217% | 2,830 |
| Return on Equity (ROE) | 8.8028% | 2,340 |
| Retained earnings to average equity (ytd only) | 3.7009% | 3,216 |
| Net charge-offs to loans | 0.0518% | 6,192 |
| Credit loss provision to net charge-offs | 96.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | 30.8824% | 919 |
| Efficiency ratio | 74.8780% | 3,713 |
| Assets per employee ($millions) | 5.2859% | 1,802 |
| Cash dividends to net income (ytd only)* | 57.9571% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 6,079 |
| Loan loss allowance to noncurrent loans | 4,386.6667% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 7,561 |
| Noncurrent loans to loans | 0.0236% | 7,463 |
| Net loans and leases to total assets | 54.0051% | 6,383 |
| Net loans and leases to deposits | 61.1622% | 6,737 |
| Net loans and leases to core deposits | 75.4261% | 6,646 |
| Total domestic deposits to total assets | 88.2981% | 1,516 |
| Equity capital to assets | 10.8798% | 3,137 |
| Core capital (leverage) ratio | 10.7880% | 2,568 |
| Tier 1 risk-based capital ratio | 14.9307% | 3,072 |
| Total risk-based capital ratio | 15.7334% | 3,232 |
| Memoranda: | ||
| Average total assets | $112,095,000 | 4,805 |
| Average earning assets | $101,398,250 | 4,834 |
| Average equity | $12,753,250 | 4,595 |
| Average total loans | $64,370,750 | 5,125 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0078% | 6,745 |
| Cost of funding earning assets | 1.5356% | 5,994 |
| Net interest margin | 3.4723% | 4,929 |
| Noninterest income to average assets | 0.5348% | 4,147 |
| Noninterest expense to average assets | 2.5493% | 5,948 |
| Loan and lease loss provision to assets | 0.0434% | 6,799 |
| Net operating income to assets | 1.1061% | 1,753 |
| Return on assets (ROA) | 1.3027% | 1,301 |
| Pretax return on assets | 1.3334% | 1,922 |
| Return on Equity (ROE) | 11.2771% | 1,622 |
| Retained earnings to average equity (ytd only) | 5.6776% | 2,167 |
| Net charge-offs to loans | 0.0773% | 5,429 |
| Credit loss provision to net charge-offs | 96.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | 26.0400% | 1,102 |
| Efficiency ratio | 68.4287% | 5,085 |
| Assets per employee ($millions) | 4.9746% | 2,105 |
| Cash dividends to net income (ytd only)* | 49.6533% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 6,023 |
| Loan loss allowance to noncurrent loans | 2,860.8696% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 7,577 |
| Noncurrent loans to loans | 0.0360% | 7,451 |
| Net loans and leases to total assets | 57.7608% | 5,998 |
| Net loans and leases to deposits | 65.8411% | 6,411 |
| Net loans and leases to core deposits | 82.4667% | 6,202 |
| Total domestic deposits to total assets | 87.7276% | 1,914 |
| Equity capital to assets | 11.4756% | 2,552 |
| Core capital (leverage) ratio | 11.0366% | 2,373 |
| Tier 1 risk-based capital ratio | 14.9670% | 3,034 |
| Total risk-based capital ratio | 15.7710% | 3,173 |
| Memoranda: | ||
| Average total assets | $110,697,000 | 4,868 |
| Average earning assets | $101,720,670 | 4,851 |
| Average equity | $12,787,000 | 4,600 |
| Average total loans | $64,674,330 | 5,151 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 6,690 |
| Cost of funding earning assets | 1.5701% | 6,160 |
| Net interest margin | 3.5150% | 4,669 |
| Noninterest income to average assets | 0.5066% | 4,264 |
| Noninterest expense to average assets | 2.3858% | 6,246 |
| Loan and lease loss provision to assets | 0.0862% | 5,855 |
| Net operating income to assets | 1.2684% | 1,458 |
| Return on assets (ROA) | 1.6097% | 843 |
| Pretax return on assets | 1.6097% | 1,379 |
| Return on Equity (ROE) | 13.8904% | 1,187 |
| Retained earnings to average equity (ytd only) | 13.8904% | 523 |
| Net charge-offs to loans | -0.0123% | 7,321 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7848% | 5,730 |
| Assets per employee ($millions) | 5.1162% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,742 |
| Loan loss allowance to noncurrent loans | 1,489.1304% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 7,489 |
| Noncurrent loans to loans | 0.0713% | 7,321 |
| Net loans and leases to total assets | 56.7398% | 6,136 |
| Net loans and leases to deposits | 64.6246% | 6,499 |
| Net loans and leases to core deposits | 79.5863% | 6,415 |
| Total domestic deposits to total assets | 87.7990% | 1,841 |
| Equity capital to assets | 11.5320% | 2,570 |
| Core capital (leverage) ratio | 11.0654% | 2,455 |
| Tier 1 risk-based capital ratio | 14.8504% | 3,136 |
| Total risk-based capital ratio | 15.6752% | 3,272 |
| Memoranda: | ||
| Average total assets | $111,325,000 | 4,869 |
| Average earning assets | $102,417,000 | 4,849 |
| Average equity | $12,901,000 | 4,605 |
| Average total loans | $65,075,500 | 5,164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6969% | 6,791 |
| Cost of funding earning assets | 2.1259% | 5,946 |
| Net interest margin | 3.5711% | 5,005 |
| Noninterest income to average assets | 0.5230% | 4,444 |
| Noninterest expense to average assets | 2.4463% | 6,227 |
| Loan and lease loss provision to assets | 0.0417% | 6,889 |
| Net operating income to assets | 1.2016% | 1,762 |
| Return on assets (ROA) | 1.2297% | 1,629 |
| Pretax return on assets | 1.3799% | 2,029 |
| Return on Equity (ROE) | 10.9314% | 1,925 |
| Retained earnings to average equity (ytd only) | 3.6685% | 2,868 |
| Net charge-offs to loans | 0.0117% | 6,758 |
| Credit loss provision to net charge-offs | 642.8571% | 661 |
| Earnings coverage of net charge-offs (x) | 214.1429% | 223 |
| Efficiency ratio | 63.7660% | 5,612 |
| Assets per employee ($millions) | 5.0043% | 1,942 |
| Cash dividends to net income (ytd only)* | 66.4404% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,008 |
| Loan loss allowance to noncurrent loans | 21,966.6667% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,652 |
| Noncurrent loans to loans | 0.0046% | 7,545 |
| Net loans and leases to total assets | 58.9887% | 6,060 |
| Net loans and leases to deposits | 67.3208% | 6,523 |
| Net loans and leases to core deposits | 81.8602% | 6,475 |
| Total domestic deposits to total assets | 87.6233% | 1,658 |
| Equity capital to assets | 11.6464% | 2,534 |
| Core capital (leverage) ratio | 10.7414% | 2,785 |
| Tier 1 risk-based capital ratio | 14.2976% | 3,397 |
| Total risk-based capital ratio | 15.0903% | 3,548 |
| Memoranda: | ||
| Average total assets | $107,835,400 | 4,836 |
| Average earning assets | $100,053,800 | 4,803 |
| Average equity | $12,130,200 | 4,800 |
| Average total loans | $59,780,200 | 5,279 |