Home > Wayne Bank and Trust Co. > Performance and Condition Ratios
Wayne Bank and Trust Co., 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 | 4.7000% | 2,681 |
| Cost of funding earning assets | 1.4329% | 2,138 |
| Net interest margin | 3.2671% | 2,713 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 3.2342% | 796 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6350% | 3,352 |
| Return on assets (ROA) | 0.6364% | 3,324 |
| Pretax return on assets | 0.6364% | 3,573 |
| Return on Equity (ROE) | 8.8800% | 2,790 |
| Retained earnings to average equity (ytd only) | 2.4185% | 3,473 |
| Net charge-offs to loans | 0.0732% | 1,125 |
| Credit loss provision to net charge-offs | 9.3220% | 2,337 |
| Earnings coverage of net charge-offs (x) | 11.7712% | 2,176 |
| Efficiency ratio | 83.4781% | 691 |
| Assets per employee ($millions) | 4.9645% | 3,668 |
| Cash dividends to net income (ytd only)* | 72.7734% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,490 |
| Loan loss allowance to noncurrent loans | 667.3684% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 2,662 |
| Noncurrent loans to loans | 0.1743% | 2,647 |
| Net loans and leases to total assets | 73.9900% | 1,365 |
| Net loans and leases to deposits | 83.2081% | 1,842 |
| Net loans and leases to core deposits | 87.4579% | 2,214 |
| Total domestic deposits to total assets | 88.9300% | 1,087 |
| Equity capital to assets | 7.6150% | 3,651 |
| Core capital (leverage) ratio | 10.4198% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4543% | 1,702 |
| Memoranda: | ||
| Average total assets | $216,991,600 | 2,863 |
| Average earning assets | $205,381,200 | 2,826 |
| Average equity | $15,547,000 | 3,218 |
| Average total loans | $161,270,200 | 2,592 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 2,611 |
| Cost of funding earning assets | 1.3756% | 1,935 |
| Net interest margin | 3.2527% | 2,799 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 3.2041% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8678% | 2,805 |
| Return on assets (ROA) | 0.8697% | 2,782 |
| Pretax return on assets | 0.8697% | 3,177 |
| Return on Equity (ROE) | 12.3300% | 2,045 |
| Retained earnings to average equity (ytd only) | 3.5612% | 3,369 |
| Net charge-offs to loans | 0.0979% | 796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 11.9492% | 2,085 |
| Efficiency ratio | 78.6880% | 956 |
| Assets per employee ($millions) | 4.6001% | 3,881 |
| Cash dividends to net income (ytd only)* | 71.1253% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,406 |
| Loan loss allowance to noncurrent loans | 269.6148% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 1,727 |
| Noncurrent loans to loans | 0.4418% | 1,724 |
| Net loans and leases to total assets | 72.5100% | 1,513 |
| Net loans and leases to deposits | 78.8013% | 2,163 |
| Net loans and leases to core deposits | 82.5903% | 2,431 |
| Total domestic deposits to total assets | 92.0200% | 444 |
| Equity capital to assets | 6.6719% | 3,763 |
| Core capital (leverage) ratio | 10.3330% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6846% | 1,660 |
| Memoranda: | ||
| Average total assets | $216,630,500 | 2,876 |
| Average earning assets | $204,996,500 | 2,842 |
| Average equity | $15,275,250 | 3,229 |
| Average total loans | $160,704,750 | 2,604 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,567 |
| Cost of funding earning assets | 1.2963% | 1,720 |
| Net interest margin | 3.2367% | 2,895 |
| Noninterest income to average assets | 1.2100% | 434 |
| Noninterest expense to average assets | 3.2354% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0382% | 2,288 |
| Return on assets (ROA) | 1.0410% | 2,279 |
| Pretax return on assets | 1.0410% | 2,796 |
| Return on Equity (ROE) | 14.3800% | 1,601 |
| Retained earnings to average equity (ytd only) | 4.8153% | 2,987 |
| Net charge-offs to loans | 0.1197% | 606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 11.7292% | 1,957 |
| Efficiency ratio | 75.7066% | 1,200 |
| Assets per employee ($millions) | 4.6724% | 3,844 |
| Cash dividends to net income (ytd only)* | 66.5190% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 1,760 |
| Loan loss allowance to noncurrent loans | 262.9630% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,445 |
| Noncurrent loans to loans | 0.5090% | 1,441 |
| Net loans and leases to total assets | 71.4900% | 1,589 |
| Net loans and leases to deposits | 78.8009% | 2,062 |
| Net loans and leases to core deposits | 83.4996% | 2,238 |
| Total domestic deposits to total assets | 90.7200% | 723 |
| Equity capital to assets | 7.1360% | 3,719 |
| Core capital (leverage) ratio | 10.2249% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6654% | 1,663 |
| Memoranda: | ||
| Average total assets | $216,914,000 | 2,887 |
| Average earning assets | $205,515,667 | 2,854 |
| Average equity | $15,700,000 | 3,215 |
| Average total loans | $160,425,667 | 2,597 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 2,441 |
| Cost of funding earning assets | 1.1944% | 1,468 |
| Net interest margin | 3.2469% | 3,003 |
| Noninterest income to average assets | 1.5200% | 324 |
| Noninterest expense to average assets | 3.2658% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3397% | 1,568 |
| Return on assets (ROA) | 1.3453% | 1,525 |
| Pretax return on assets | 1.3453% | 2,035 |
| Return on Equity (ROE) | 18.4500% | 967 |
| Retained earnings to average equity (ytd only) | 13.0580% | 1,085 |
| Net charge-offs to loans | 0.2434% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.3673% | 1,759 |
| Efficiency ratio | 70.9106% | 1,655 |
| Assets per employee ($millions) | 4.6919% | 3,896 |
| Cash dividends to net income (ytd only)* | 29.2414% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 1,946 |
| Loan loss allowance to noncurrent loans | 302.9915% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 1,549 |
| Noncurrent loans to loans | 0.4359% | 1,628 |
| Net loans and leases to total assets | 73.6400% | 1,247 |
| Net loans and leases to deposits | 80.7766% | 1,762 |
| Net loans and leases to core deposits | 82.1673% | 2,108 |
| Total domestic deposits to total assets | 91.1600% | 751 |
| Equity capital to assets | 7.4263% | 3,600 |
| Core capital (leverage) ratio | 10.3291% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5847% | 1,766 |
| Memoranda: | ||
| Average total assets | $215,568,500 | 2,936 |
| Average earning assets | $204,624,000 | 2,900 |
| Average equity | $15,714,500 | 3,240 |
| Average total loans | $161,078,000 | 2,611 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 1,480 |
| Cost of funding earning assets | 0.3084% | 2,804 |
| Net interest margin | 3.7907% | 1,176 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 3.2564% | 671 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8866% | 3,018 |
| Return on assets (ROA) | 0.8852% | 2,965 |
| Pretax return on assets | 0.8852% | 3,405 |
| Return on Equity (ROE) | 11.2900% | 2,386 |
| Retained earnings to average equity (ytd only) | 3.6217% | 3,535 |
| Net charge-offs to loans | -0.0085% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.4917% | 889 |
| Assets per employee ($millions) | 4.6807% | 3,915 |
| Cash dividends to net income (ytd only)* | 67.9136% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 1,565 |
| Loan loss allowance to noncurrent loans | 252.3810% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 812 |
| Noncurrent loans to loans | 0.5475% | 1,352 |
| Net loans and leases to total assets | 73.7900% | 1,235 |
| Net loans and leases to deposits | 82.9024% | 1,544 |
| Net loans and leases to core deposits | 85.2576% | 1,803 |
| Total domestic deposits to total assets | 89.0100% | 1,718 |
| Equity capital to assets | 7.1529% | 3,583 |
| Core capital (leverage) ratio | 10.2000% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3249% | 1,841 |
| Memoranda: | ||
| Average total assets | $214,406,000 | 2,947 |
| Average earning assets | $204,260,400 | 2,900 |
| Average equity | $16,815,200 | 3,218 |
| Average total loans | $153,074,800 | 2,608 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 1,136 |
| Cost of funding earning assets | 0.2254% | 2,984 |
| Net interest margin | 3.8384% | 896 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 3.1767% | 708 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0857% | 2,155 |
| Return on assets (ROA) | 1.0857% | 2,124 |
| Pretax return on assets | 1.0857% | 2,765 |
| Return on Equity (ROE) | 13.5400% | 1,553 |
| Retained earnings to average equity (ytd only) | 3.5335% | 3,602 |
| Net charge-offs to loans | -0.0124% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.3444% | 1,241 |
| Assets per employee ($millions) | 4.0984% | 4,272 |
| Cash dividends to net income (ytd only)* | 73.9106% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 1,873 |
| Loan loss allowance to noncurrent loans | 262.0050% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 921 |
| Noncurrent loans to loans | 0.5090% | 1,526 |
| Net loans and leases to total assets | 72.1100% | 1,285 |
| Net loans and leases to deposits | 77.2330% | 1,781 |
| Net loans and leases to core deposits | 79.1921% | 1,958 |
| Total domestic deposits to total assets | 93.3600% | 484 |
| Equity capital to assets | 6.3923% | 3,796 |
| Core capital (leverage) ratio | 9.9395% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2526% | 1,957 |
| Memoranda: | ||
| Average total assets | $214,180,000 | 2,976 |
| Average earning assets | $204,109,750 | 2,924 |
| Average equity | $17,168,750 | 3,230 |
| Average total loans | $151,068,250 | 2,631 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 1,046 |
| Cost of funding earning assets | 0.2117% | 2,757 |
| Net interest margin | 3.7284% | 870 |
| Noninterest income to average assets | 0.6117% | 1,690 |
| Noninterest expense to average assets | 3.0980% | 733 |
| Loan and lease loss provision to assets | 0.0056% | 2,501 |
| Net operating income to assets | 1.0611% | 1,935 |
| Return on assets (ROA) | 1.0611% | 1,903 |
| Pretax return on assets | 1.0611% | 2,540 |
| Return on Equity (ROE) | 12.3855% | 1,555 |
| Retained earnings to average equity (ytd only) | 2.2340% | 3,682 |
| Net charge-offs to loans | -0.0566% | 4,284 |
| Credit loss provision to net charge-offs | -14.2857% | 2,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3861% | 1,469 |
| Assets per employee ($millions) | 4.3058% | 4,202 |
| Cash dividends to net income (ytd only)* | 81.9629% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 1,911 |
| Loan loss allowance to noncurrent loans | 190.7871% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 1,099 |
| Noncurrent loans to loans | 0.7149% | 1,209 |
| Net loans and leases to total assets | 71.6536% | 1,146 |
| Net loans and leases to deposits | 77.1018% | 1,598 |
| Net loans and leases to core deposits | 79.0853% | 1,773 |
| Total domestic deposits to total assets | 92.9337% | 532 |
| Equity capital to assets | 6.8280% | 3,854 |
| Core capital (leverage) ratio | 9.9060% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2646% | 1,952 |
| Memoranda: | ||
| Average total assets | $213,168,000 | 3,007 |
| Average earning assets | $203,141,000 | 2,972 |
| Average equity | $18,263,333 | 3,212 |
| Average total loans | $148,509,667 | 2,663 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 975 |
| Cost of funding earning assets | 0.2114% | 2,651 |
| Net interest margin | 3.6537% | 815 |
| Noninterest income to average assets | 0.5940% | 1,715 |
| Noninterest expense to average assets | 3.0569% | 747 |
| Loan and lease loss provision to assets | 0.0057% | 2,204 |
| Net operating income to assets | 1.0184% | 1,799 |
| Return on assets (ROA) | 1.0184% | 1,791 |
| Pretax return on assets | 1.0184% | 2,382 |
| Return on Equity (ROE) | 10.7758% | 1,693 |
| Retained earnings to average equity (ytd only) | 3.5520% | 3,100 |
| Net charge-offs to loans | -0.1107% | 4,484 |
| Credit loss provision to net charge-offs | -7.5000% | 2,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9076% | 1,645 |
| Assets per employee ($millions) | 4.6191% | 4,064 |
| Cash dividends to net income (ytd only)* | 67.0370% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,695 |
| Loan loss allowance to noncurrent loans | 248.7150% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 1,523 |
| Noncurrent loans to loans | 0.5854% | 1,584 |
| Net loans and leases to total assets | 66.3763% | 1,375 |
| Net loans and leases to deposits | 72.7393% | 1,720 |
| Net loans and leases to core deposits | 74.6297% | 1,887 |
| Total domestic deposits to total assets | 91.2523% | 909 |
| Equity capital to assets | 8.5294% | 3,132 |
| Core capital (leverage) ratio | 10.1307% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3803% | 1,674 |
| Memoranda: | ||
| Average total assets | $212,107,000 | 3,025 |
| Average earning assets | $202,426,500 | 2,994 |
| Average equity | $20,045,000 | 3,142 |
| Average total loans | $144,566,500 | 2,694 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 838 |
| Cost of funding earning assets | 0.2846% | 2,554 |
| Net interest margin | 4.0237% | 672 |
| Noninterest income to average assets | 1.2371% | 694 |
| Noninterest expense to average assets | 3.4189% | 530 |
| Loan and lease loss provision to assets | 0.0877% | 1,409 |
| Net operating income to assets | 1.4500% | 1,135 |
| Return on assets (ROA) | 1.4544% | 1,198 |
| Pretax return on assets | 1.4544% | 1,866 |
| Return on Equity (ROE) | 13.9509% | 1,204 |
| Retained earnings to average equity (ytd only) | 2.8182% | 3,720 |
| Net charge-offs to loans | 0.2186% | 425 |
| Credit loss provision to net charge-offs | 56.4263% | 2,089 |
| Earnings coverage of net charge-offs (x) | 9.8934% | 2,241 |
| Efficiency ratio | 68.9767% | 1,862 |
| Assets per employee ($millions) | 4.7072% | 3,962 |
| Cash dividends to net income (ytd only)* | 79.7990% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 1,697 |
| Loan loss allowance to noncurrent loans | 209.2277% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 1,382 |
| Noncurrent loans to loans | 0.6977% | 1,444 |
| Net loans and leases to total assets | 67.9891% | 1,270 |
| Net loans and leases to deposits | 76.1811% | 1,547 |
| Net loans and leases to core deposits | 78.4588% | 1,725 |
| Total domestic deposits to total assets | 89.2467% | 1,384 |
| Equity capital to assets | 10.4159% | 2,251 |
| Core capital (leverage) ratio | 10.2988% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7621% | 1,596 |
| Memoranda: | ||
| Average total assets | $205,239,400 | 3,025 |
| Average earning assets | $189,725,000 | 3,033 |
| Average equity | $21,396,400 | 3,103 |
| Average total loans | $145,909,400 | 2,665 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 857 |
| Cost of funding earning assets | 0.2996% | 2,598 |
| Net interest margin | 4.0711% | 687 |
| Noninterest income to average assets | 1.3387% | 662 |
| Noninterest expense to average assets | 3.3507% | 575 |
| Loan and lease loss provision to assets | 0.0195% | 2,611 |
| Net operating income to assets | 1.7020% | 823 |
| Return on assets (ROA) | 1.7079% | 851 |
| Pretax return on assets | 1.7079% | 1,385 |
| Return on Equity (ROE) | 16.3788% | 873 |
| Retained earnings to average equity (ytd only) | 1.5049% | 4,313 |
| Net charge-offs to loans | 0.0445% | 1,220 |
| Credit loss provision to net charge-offs | 61.2245% | 1,797 |
| Earnings coverage of net charge-offs (x) | 53.9592% | 1,199 |
| Efficiency ratio | 66.0591% | 2,092 |
| Assets per employee ($millions) | 4.3748% | 4,203 |
| Cash dividends to net income (ytd only)* | 90.8120% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 1,504 |
| Loan loss allowance to noncurrent loans | 98.7914% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0639% | 600 |
| Noncurrent loans to loans | 1.5559% | 671 |
| Net loans and leases to total assets | 67.3240% | 1,394 |
| Net loans and leases to deposits | 75.2532% | 1,741 |
| Net loans and leases to core deposits | 78.4303% | 1,863 |
| Total domestic deposits to total assets | 89.4633% | 1,032 |
| Equity capital to assets | 10.2620% | 2,646 |
| Core capital (leverage) ratio | 10.1190% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1508% | 1,913 |
| Memoranda: | ||
| Average total assets | $204,770,000 | 3,065 |
| Average earning assets | $187,790,000 | 3,085 |
| Average equity | $21,352,250 | 3,139 |
| Average total loans | $146,661,000 | 2,705 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 779 |
| Cost of funding earning assets | 0.3178% | 2,613 |
| Net interest margin | 4.1371% | 645 |
| Noninterest income to average assets | 1.3496% | 650 |
| Noninterest expense to average assets | 3.3384% | 587 |
| Loan and lease loss provision to assets | 0.0296% | 2,385 |
| Net operating income to assets | 1.7259% | 830 |
| Return on assets (ROA) | 1.7347% | 870 |
| Pretax return on assets | 1.7347% | 1,399 |
| Return on Equity (ROE) | 16.5456% | 851 |
| Retained earnings to average equity (ytd only) | -0.3852% | 4,551 |
| Net charge-offs to loans | 0.0596% | 1,020 |
| Credit loss provision to net charge-offs | 68.1818% | 1,530 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,160 |
| Efficiency ratio | 65.5386% | 2,217 |
| Assets per employee ($millions) | 4.3794% | 4,199 |
| Cash dividends to net income (ytd only)* | 102.3282% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,401 |
| Loan loss allowance to noncurrent loans | 162.8130% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 1,285 |
| Noncurrent loans to loans | 0.9564% | 1,295 |
| Net loans and leases to total assets | 66.4975% | 1,632 |
| Net loans and leases to deposits | 74.1955% | 1,977 |
| Net loans and leases to core deposits | 78.3210% | 2,025 |
| Total domestic deposits to total assets | 89.6247% | 964 |
| Equity capital to assets | 10.1084% | 2,755 |
| Core capital (leverage) ratio | 10.4002% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3727% | 1,845 |
| Memoranda: | ||
| Average total assets | $203,030,333 | 3,074 |
| Average earning assets | $183,752,667 | 3,113 |
| Average equity | $21,286,667 | 3,147 |
| Average total loans | $147,688,000 | 2,710 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 539 |
| Cost of funding earning assets | 0.3452% | 2,565 |
| Net interest margin | 4.3951% | 430 |
| Noninterest income to average assets | 1.4882% | 607 |
| Noninterest expense to average assets | 3.3494% | 562 |
| Loan and lease loss provision to assets | 0.0461% | 2,155 |
| Net operating income to assets | 1.9735% | 589 |
| Return on assets (ROA) | 1.9916% | 618 |
| Pretax return on assets | 1.9916% | 957 |
| Return on Equity (ROE) | 18.6431% | 655 |
| Retained earnings to average equity (ytd only) | 0.7698% | 4,257 |
| Net charge-offs to loans | 0.0053% | 1,717 |
| Credit loss provision to net charge-offs | 1,150.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 503.5000% | 189 |
| Efficiency ratio | 62.3833% | 2,685 |
| Assets per employee ($millions) | 4.3053% | 4,269 |
| Cash dividends to net income (ytd only)* | 95.8711% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,550 |
| Loan loss allowance to noncurrent loans | 292.4479% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 2,313 |
| Noncurrent loans to loans | 0.5184% | 2,297 |
| Net loans and leases to total assets | 70.5960% | 1,207 |
| Net loans and leases to deposits | 78.7809% | 1,638 |
| Net loans and leases to core deposits | 84.0814% | 1,675 |
| Total domestic deposits to total assets | 89.6106% | 1,014 |
| Equity capital to assets | 10.1838% | 2,529 |
| Core capital (leverage) ratio | 11.0630% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2425% | 1,494 |
| Memoranda: | ||
| Average total assets | $199,440,000 | 3,095 |
| Average earning assets | $176,106,500 | 3,155 |
| Average equity | $21,305,500 | 3,131 |
| Average total loans | $150,534,000 | 2,683 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 598 |
| Cost of funding earning assets | 0.5875% | 2,400 |
| Net interest margin | 4.3112% | 500 |
| Noninterest income to average assets | 1.2541% | 716 |
| Noninterest expense to average assets | 3.6905% | 531 |
| Loan and lease loss provision to assets | 0.3017% | 1,246 |
| Net operating income to assets | 1.2481% | 1,386 |
| Return on assets (ROA) | 1.2743% | 1,422 |
| Pretax return on assets | 1.2743% | 2,067 |
| Return on Equity (ROE) | 11.4524% | 1,478 |
| Retained earnings to average equity (ytd only) | 7.3528% | 1,255 |
| Net charge-offs to loans | 0.0048% | 3,181 |
| Credit loss provision to net charge-offs | 7,871.4286% | 134 |
| Earnings coverage of net charge-offs (x) | 404.2857% | 275 |
| Efficiency ratio | 70.4253% | 1,891 |
| Assets per employee ($millions) | 4.0900% | 4,303 |
| Cash dividends to net income (ytd only)* | 35.7972% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 1,753 |
| Loan loss allowance to noncurrent loans | 283.0789% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 2,366 |
| Noncurrent loans to loans | 0.5139% | 2,430 |
| Net loans and leases to total assets | 78.4012% | 566 |
| Net loans and leases to deposits | 88.6790% | 1,024 |
| Net loans and leases to core deposits | 94.7123% | 1,198 |
| Total domestic deposits to total assets | 88.4101% | 1,270 |
| Equity capital to assets | 11.2190% | 2,085 |
| Core capital (leverage) ratio | 11.6121% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2917% | 1,448 |
| Memoranda: | ||
| Average total assets | $182,604,200 | 3,083 |
| Average earning assets | $168,839,600 | 3,085 |
| Average equity | $20,318,800 | 3,161 |
| Average total loans | $146,494,400 | 2,694 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 704 |
| Cost of funding earning assets | 0.6407% | 2,375 |
| Net interest margin | 4.2779% | 616 |
| Noninterest income to average assets | 1.2127% | 733 |
| Noninterest expense to average assets | 3.6418% | 587 |
| Loan and lease loss provision to assets | 0.3158% | 1,259 |
| Net operating income to assets | 1.2120% | 1,608 |
| Return on assets (ROA) | 1.2490% | 1,601 |
| Pretax return on assets | 1.2490% | 2,230 |
| Return on Equity (ROE) | 11.2491% | 1,607 |
| Retained earnings to average equity (ytd only) | 5.6979% | 2,240 |
| Net charge-offs to loans | 0.0009% | 3,207 |
| Credit loss provision to net charge-offs | 42,700.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 2,065.0000% | 49 |
| Efficiency ratio | 70.4451% | 1,823 |
| Assets per employee ($millions) | 3.8613% | 4,433 |
| Cash dividends to net income (ytd only)* | 49.3483% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 1,892 |
| Loan loss allowance to noncurrent loans | 248.7603% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 2,395 |
| Noncurrent loans to loans | 0.5490% | 2,424 |
| Net loans and leases to total assets | 80.4314% | 571 |
| Net loans and leases to deposits | 92.9060% | 1,007 |
| Net loans and leases to core deposits | 97.0969% | 1,373 |
| Total domestic deposits to total assets | 86.5728% | 1,828 |
| Equity capital to assets | 10.9849% | 2,407 |
| Core capital (leverage) ratio | 11.5070% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6509% | 1,611 |
| Memoranda: | ||
| Average total assets | $180,198,250 | 3,087 |
| Average earning assets | $166,682,500 | 3,086 |
| Average equity | $20,007,000 | 3,185 |
| Average total loans | $144,884,500 | 2,710 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 938 |
| Cost of funding earning assets | 0.6891% | 2,454 |
| Net interest margin | 4.2315% | 855 |
| Noninterest income to average assets | 1.1851% | 709 |
| Noninterest expense to average assets | 3.5328% | 720 |
| Loan and lease loss provision to assets | 0.3138% | 1,371 |
| Net operating income to assets | 1.2269% | 1,561 |
| Return on assets (ROA) | 1.2269% | 1,685 |
| Pretax return on assets | 1.2269% | 2,267 |
| Return on Equity (ROE) | 11.0087% | 1,627 |
| Retained earnings to average equity (ytd only) | 8.0008% | 1,306 |
| Net charge-offs to loans | 0.0155% | 2,432 |
| Credit loss provision to net charge-offs | 2,527.2727% | 402 |
| Earnings coverage of net charge-offs (x) | 124.0909% | 608 |
| Efficiency ratio | 69.6329% | 2,004 |
| Assets per employee ($millions) | 4.0663% | 4,242 |
| Cash dividends to net income (ytd only)* | 27.3229% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,164 |
| Loan loss allowance to noncurrent loans | 256.9921% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 2,741 |
| Noncurrent loans to loans | 0.4933% | 2,676 |
| Net loans and leases to total assets | 77.7235% | 888 |
| Net loans and leases to deposits | 92.1820% | 1,139 |
| Net loans and leases to core deposits | 97.1378% | 1,487 |
| Total domestic deposits to total assets | 84.3152% | 2,630 |
| Equity capital to assets | 10.6628% | 2,609 |
| Core capital (leverage) ratio | 11.2816% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5189% | 1,995 |
| Memoranda: | ||
| Average total assets | $177,195,667 | 3,096 |
| Average earning assets | $162,826,667 | 3,111 |
| Average equity | $19,748,000 | 3,198 |
| Average total loans | $141,750,000 | 2,725 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 1,122 |
| Cost of funding earning assets | 0.7839% | 2,482 |
| Net interest margin | 4.1430% | 1,042 |
| Noninterest income to average assets | 0.6659% | 1,782 |
| Noninterest expense to average assets | 3.5909% | 817 |
| Loan and lease loss provision to assets | 0.0690% | 2,889 |
| Net operating income to assets | 0.8395% | 2,753 |
| Return on assets (ROA) | 0.8395% | 2,842 |
| Pretax return on assets | 0.8395% | 3,312 |
| Return on Equity (ROE) | 7.3480% | 2,800 |
| Retained earnings to average equity (ytd only) | 4.8293% | 2,350 |
| Net charge-offs to loans | 0.0236% | 1,893 |
| Credit loss provision to net charge-offs | 362.5000% | 1,060 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 927 |
| Efficiency ratio | 79.8097% | 1,158 |
| Assets per employee ($millions) | 3.4975% | 4,483 |
| Cash dividends to net income (ytd only)* | 34.2776% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,484 |
| Loan loss allowance to noncurrent loans | 217.9257% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 2,581 |
| Noncurrent loans to loans | 0.5665% | 2,583 |
| Net loans and leases to total assets | 81.1045% | 550 |
| Net loans and leases to deposits | 94.9988% | 997 |
| Net loans and leases to core deposits | 102.4029% | 1,296 |
| Total domestic deposits to total assets | 85.3742% | 2,259 |
| Equity capital to assets | 11.3098% | 2,585 |
| Core capital (leverage) ratio | 11.5230% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5312% | 1,752 |
| Memoranda: | ||
| Average total assets | $168,202,000 | 3,151 |
| Average earning assets | $155,634,500 | 3,141 |
| Average equity | $19,216,000 | 3,252 |
| Average total loans | $135,799,500 | 2,767 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 1,734 |
| Cost of funding earning assets | 0.8793% | 2,289 |
| Net interest margin | 4.0283% | 1,758 |
| Noninterest income to average assets | 0.6231% | 2,116 |
| Noninterest expense to average assets | 3.8911% | 603 |
| Loan and lease loss provision to assets | 0.0090% | 3,828 |
| Net operating income to assets | 0.4590% | 4,490 |
| Return on assets (ROA) | 0.4638% | 4,520 |
| Pretax return on assets | 0.4638% | 4,628 |
| Return on Equity (ROE) | 4.0776% | 4,442 |
| Retained earnings to average equity (ytd only) | 1.7701% | 4,100 |
| Net charge-offs to loans | 0.1333% | 1,443 |
| Credit loss provision to net charge-offs | 8.5714% | 3,365 |
| Earnings coverage of net charge-offs (x) | 4.4629% | 3,214 |
| Efficiency ratio | 89.2646% | 379 |
| Assets per employee ($millions) | 3.5109% | 4,474 |
| Cash dividends to net income (ytd only)* | 56.5891% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,129 |
| Loan loss allowance to noncurrent loans | 180.1715% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 2,173 |
| Noncurrent loans to loans | 0.6976% | 2,135 |
| Net loans and leases to total assets | 78.3614% | 1,017 |
| Net loans and leases to deposits | 90.8726% | 1,495 |
| Net loans and leases to core deposits | 101.7247% | 1,432 |
| Total domestic deposits to total assets | 86.2321% | 1,969 |
| Equity capital to assets | 11.5385% | 2,502 |
| Core capital (leverage) ratio | 11.4644% | 2,139 |
| Tier 1 risk-based capital ratio | 14.6124% | 2,956 |
| Total risk-based capital ratio | 15.8625% | 2,861 |
| Memoranda: | ||
| Average total assets | $166,894,400 | 3,136 |
| Average earning assets | $154,781,800 | 3,139 |
| Average equity | $18,981,800 | 3,228 |
| Average total loans | $131,285,200 | 2,811 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 2,016 |
| Cost of funding earning assets | 0.8912% | 2,268 |
| Net interest margin | 3.9429% | 2,123 |
| Noninterest income to average assets | 0.6447% | 2,011 |
| Noninterest expense to average assets | 3.8096% | 651 |
| Loan and lease loss provision to assets | 0.0120% | 3,655 |
| Net operating income to assets | 0.4973% | 4,523 |
| Return on assets (ROA) | 0.5045% | 4,553 |
| Pretax return on assets | 0.5045% | 4,694 |
| Return on Equity (ROE) | 4.4523% | 4,492 |
| Retained earnings to average equity (ytd only) | 1.3569% | 4,471 |
| Net charge-offs to loans | 0.1398% | 1,151 |
| Credit loss provision to net charge-offs | 10.9489% | 3,002 |
| Earnings coverage of net charge-offs (x) | 4.6424% | 2,988 |
| Efficiency ratio | 88.2069% | 385 |
| Assets per employee ($millions) | 3.5711% | 4,433 |
| Cash dividends to net income (ytd only)* | 69.5243% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,001 |
| Loan loss allowance to noncurrent loans | 221.2355% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,317 |
| Noncurrent loans to loans | 0.5838% | 2,535 |
| Net loans and leases to total assets | 79.9761% | 848 |
| Net loans and leases to deposits | 93.0208% | 1,320 |
| Net loans and leases to core deposits | 102.6038% | 1,448 |
| Total domestic deposits to total assets | 85.9767% | 2,008 |
| Equity capital to assets | 11.7642% | 2,442 |
| Core capital (leverage) ratio | 11.3944% | 2,308 |
| Tier 1 risk-based capital ratio | 15.0313% | 2,832 |
| Total risk-based capital ratio | 16.2826% | 2,763 |
| Memoranda: | ||
| Average total assets | $166,487,250 | 3,170 |
| Average earning assets | $155,144,750 | 3,165 |
| Average equity | $18,866,000 | 3,263 |
| Average total loans | $130,672,000 | 2,847 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 2,347 |
| Cost of funding earning assets | 0.8989% | 2,148 |
| Net interest margin | 3.8053% | 2,571 |
| Noninterest income to average assets | 0.6231% | 2,051 |
| Noninterest expense to average assets | 3.7709% | 686 |
| Loan and lease loss provision to assets | 0.0179% | 3,427 |
| Net operating income to assets | 0.3935% | 4,747 |
| Return on assets (ROA) | 0.3995% | 4,755 |
| Pretax return on assets | 0.3995% | 4,830 |
| Return on Equity (ROE) | 3.5697% | 4,675 |
| Retained earnings to average equity (ytd only) | 0.5665% | 4,549 |
| Net charge-offs to loans | 0.1817% | 906 |
| Credit loss provision to net charge-offs | 12.7119% | 2,686 |
| Earnings coverage of net charge-offs (x) | 2.9153% | 2,891 |
| Efficiency ratio | 90.1630% | 346 |
| Assets per employee ($millions) | 3.5614% | 4,429 |
| Cash dividends to net income (ytd only)* | 84.1317% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 1,897 |
| Loan loss allowance to noncurrent loans | 228.3837% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 2,200 |
| Noncurrent loans to loans | 0.5810% | 2,517 |
| Net loans and leases to total assets | 77.2134% | 1,353 |
| Net loans and leases to deposits | 89.9791% | 1,742 |
| Net loans and leases to core deposits | 100.0286% | 1,720 |
| Total domestic deposits to total assets | 85.8126% | 2,131 |
| Equity capital to assets | 11.4005% | 2,702 |
| Core capital (leverage) ratio | 11.3210% | 2,317 |
| Tier 1 risk-based capital ratio | 14.6010% | 3,018 |
| Total risk-based capital ratio | 15.8519% | 2,941 |
| Memoranda: | ||
| Average total assets | $167,226,670 | 3,184 |
| Average earning assets | $156,415,000 | 3,166 |
| Average equity | $18,713,000 | 3,281 |
| Average total loans | $129,864,330 | 2,870 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 2,383 |
| Cost of funding earning assets | 0.9102% | 1,955 |
| Net interest margin | 3.7382% | 2,752 |
| Noninterest income to average assets | 0.6102% | 2,001 |
| Noninterest expense to average assets | 3.7931% | 655 |
| Loan and lease loss provision to assets | 0.0359% | 2,905 |
| Net operating income to assets | 0.2704% | 4,934 |
| Return on assets (ROA) | 0.2824% | 4,930 |
| Pretax return on assets | 0.2824% | 4,978 |
| Return on Equity (ROE) | 2.5475% | 4,884 |
| Retained earnings to average equity (ytd only) | -1.1442% | 4,666 |
| Net charge-offs to loans | 0.2722% | 542 |
| Credit loss provision to net charge-offs | 17.0455% | 2,154 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 2,595 |
| Efficiency ratio | 92.5277% | 314 |
| Assets per employee ($millions) | 3.6611% | 4,393 |
| Cash dividends to net income (ytd only)* | 144.9153% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 1,768 |
| Loan loss allowance to noncurrent loans | 246.5830% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 2,331 |
| Noncurrent loans to loans | 0.5574% | 2,653 |
| Net loans and leases to total assets | 77.0095% | 1,315 |
| Net loans and leases to deposits | 90.9798% | 1,513 |
| Net loans and leases to core deposits | 100.2909% | 1,596 |
| Total domestic deposits to total assets | 84.6447% | 2,801 |
| Equity capital to assets | 11.3055% | 2,556 |
| Core capital (leverage) ratio | 11.3020% | 2,284 |
| Tier 1 risk-based capital ratio | 14.8373% | 2,944 |
| Total risk-based capital ratio | 16.0894% | 2,879 |
| Memoranda: | ||
| Average total assets | $167,146,000 | 3,217 |
| Average earning assets | $156,013,000 | 3,203 |
| Average equity | $18,528,000 | 3,309 |
| Average total loans | $129,304,500 | 2,912 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 2,185 |
| Cost of funding earning assets | 0.5999% | 2,720 |
| Net interest margin | 3.9812% | 2,055 |
| Noninterest income to average assets | 0.6056% | 2,262 |
| Noninterest expense to average assets | 3.8137% | 669 |
| Loan and lease loss provision to assets | 0.0096% | 3,929 |
| Net operating income to assets | 0.4899% | 4,682 |
| Return on assets (ROA) | 0.4848% | 4,691 |
| Pretax return on assets | 0.4848% | 4,820 |
| Return on Equity (ROE) | 4.1766% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.0410% | 3,876 |
| Net charge-offs to loans | 0.0737% | 2,063 |
| Credit loss provision to net charge-offs | 17.8571% | 3,408 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,827 |
| Efficiency ratio | 88.4185% | 410 |
| Assets per employee ($millions) | 3.5321% | 4,510 |
| Cash dividends to net income (ytd only)* | 27.1883% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,574 |
| Loan loss allowance to noncurrent loans | 173.3522% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 2,160 |
| Noncurrent loans to loans | 0.8171% | 1,975 |
| Net loans and leases to total assets | 75.5723% | 1,678 |
| Net loans and leases to deposits | 93.6313% | 1,321 |
| Net loans and leases to core deposits | 105.7259% | 1,289 |
| Total domestic deposits to total assets | 80.7126% | 3,952 |
| Equity capital to assets | 10.8705% | 2,825 |
| Core capital (leverage) ratio | 11.4975% | 2,103 |
| Tier 1 risk-based capital ratio | 14.7441% | 2,947 |
| Total risk-based capital ratio | 15.9966% | 2,877 |
| Memoranda: | ||
| Average total assets | $155,542,800 | 3,328 |
| Average earning assets | $144,855,800 | 3,319 |
| Average equity | $18,053,000 | 3,294 |
| Average total loans | $113,999,200 | 3,078 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 2,310 |
| Cost of funding earning assets | 0.5107% | 3,122 |
| Net interest margin | 3.9877% | 1,992 |
| Noninterest income to average assets | 0.6375% | 2,131 |
| Noninterest expense to average assets | 3.8646% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4841% | 4,792 |
| Return on assets (ROA) | 0.4735% | 4,818 |
| Pretax return on assets | 0.4735% | 4,937 |
| Return on Equity (ROE) | 4.0091% | 4,815 |
| Retained earnings to average equity (ytd only) | 2.4871% | 4,404 |
| Net charge-offs to loans | 0.0691% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 9.6839% | 2,628 |
| Efficiency ratio | 88.8687% | 371 |
| Assets per employee ($millions) | 3.4446% | 4,629 |
| Cash dividends to net income (ytd only)* | 37.9636% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,192 |
| Loan loss allowance to noncurrent loans | 180.6043% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 2,249 |
| Noncurrent loans to loans | 0.8588% | 1,984 |
| Net loans and leases to total assets | 74.2286% | 1,943 |
| Net loans and leases to deposits | 88.9736% | 2,023 |
| Net loans and leases to core deposits | 97.2523% | 1,991 |
| Total domestic deposits to total assets | 83.4277% | 3,154 |
| Equity capital to assets | 11.3549% | 2,354 |
| Core capital (leverage) ratio | 11.8759% | 1,856 |
| Tier 1 risk-based capital ratio | 15.7233% | 2,559 |
| Total risk-based capital ratio | 16.9771% | 2,492 |
| Memoranda: | ||
| Average total assets | $152,043,250 | 3,394 |
| Average earning assets | $141,499,750 | 3,376 |
| Average equity | $17,958,750 | 3,322 |
| Average total loans | $110,007,250 | 3,157 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 2,427 |
| Cost of funding earning assets | 0.4380% | 3,435 |
| Net interest margin | 3.9594% | 2,003 |
| Noninterest income to average assets | 0.6325% | 2,168 |
| Noninterest expense to average assets | 3.9509% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3603% | 5,036 |
| Return on assets (ROA) | 0.3603% | 5,032 |
| Pretax return on assets | 0.3603% | 5,094 |
| Return on Equity (ROE) | 3.0115% | 5,024 |
| Retained earnings to average equity (ytd only) | 1.9296% | 4,482 |
| Net charge-offs to loans | 0.0430% | 2,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.7391% | 2,249 |
| Efficiency ratio | 91.6435% | 320 |
| Assets per employee ($millions) | 3.4116% | 4,704 |
| Cash dividends to net income (ytd only)* | 35.9259% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 974 |
| Loan loss allowance to noncurrent loans | 176.1905% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 2,198 |
| Noncurrent loans to loans | 0.9438% | 1,845 |
| Net loans and leases to total assets | 71.1051% | 2,424 |
| Net loans and leases to deposits | 87.0285% | 2,217 |
| Net loans and leases to core deposits | 91.1696% | 2,471 |
| Total domestic deposits to total assets | 81.7031% | 3,808 |
| Equity capital to assets | 11.4430% | 2,238 |
| Core capital (leverage) ratio | 12.2668% | 1,557 |
| Tier 1 risk-based capital ratio | 16.0959% | 2,404 |
| Total risk-based capital ratio | 17.3511% | 2,340 |
| Memoranda: | ||
| Average total assets | $149,890,670 | 3,436 |
| Average earning assets | $139,262,670 | 3,417 |
| Average equity | $17,931,000 | 3,337 |
| Average total loans | $106,853,330 | 3,223 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,339 |
| Cost of funding earning assets | 0.3803% | 3,734 |
| Net interest margin | 3.9737% | 1,803 |
| Noninterest income to average assets | 0.5766% | 2,387 |
| Noninterest expense to average assets | 4.0200% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2405% | 5,197 |
| Return on assets (ROA) | 0.2405% | 5,196 |
| Pretax return on assets | 0.2405% | 5,225 |
| Return on Equity (ROE) | 1.9646% | 5,184 |
| Retained earnings to average equity (ytd only) | 1.9646% | 4,357 |
| Net charge-offs to loans | 0.0077% | 2,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,012 |
| Efficiency ratio | 94.3554% | 289 |
| Assets per employee ($millions) | 3.1348% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 739 |
| Loan loss allowance to noncurrent loans | 178.9869% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 2,149 |
| Noncurrent loans to loans | 1.0216% | 1,791 |
| Net loans and leases to total assets | 69.5311% | 2,558 |
| Net loans and leases to deposits | 81.3453% | 2,648 |
| Net loans and leases to core deposits | 85.2889% | 2,861 |
| Total domestic deposits to total assets | 85.4765% | 2,765 |
| Equity capital to assets | 12.1140% | 1,702 |
| Core capital (leverage) ratio | 12.7686% | 1,263 |
| Tier 1 risk-based capital ratio | 17.2171% | 2,052 |
| Total risk-based capital ratio | 18.4738% | 2,003 |
| Memoranda: | ||
| Average total assets | $146,369,000 | 3,515 |
| Average earning assets | $135,690,500 | 3,510 |
| Average equity | $17,917,500 | 3,363 |
| Average total loans | $103,542,500 | 3,294 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 2,143 |
| Cost of funding earning assets | 0.2858% | 4,267 |
| Net interest margin | 4.0758% | 1,517 |
| Noninterest income to average assets | 0.6789% | 2,055 |
| Noninterest expense to average assets | 4.0965% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4032% | 4,678 |
| Return on assets (ROA) | 0.4216% | 4,646 |
| Pretax return on assets | 0.4216% | 5,060 |
| Return on Equity (ROE) | 3.3295% | 4,735 |
| Retained earnings to average equity (ytd only) | 1.3529% | 4,464 |
| Net charge-offs to loans | 0.0559% | 2,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 2,681 |
| Efficiency ratio | 91.0387% | 380 |
| Assets per employee ($millions) | 3.1610% | 5,068 |
| Cash dividends to net income (ytd only)* | 59.3645% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 696 |
| Loan loss allowance to noncurrent loans | 177.6744% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 2,118 |
| Noncurrent loans to loans | 1.0464% | 1,701 |
| Net loans and leases to total assets | 69.3406% | 2,624 |
| Net loans and leases to deposits | 83.1552% | 2,589 |
| Net loans and leases to core deposits | 85.8647% | 2,913 |
| Total domestic deposits to total assets | 83.3870% | 3,429 |
| Equity capital to assets | 12.3704% | 1,586 |
| Core capital (leverage) ratio | 12.6336% | 1,294 |
| Tier 1 risk-based capital ratio | 17.1580% | 2,036 |
| Total risk-based capital ratio | 18.4146% | 1,993 |
| Memoranda: | ||
| Average total assets | $141,852,600 | 3,588 |
| Average earning assets | $132,979,800 | 3,554 |
| Average equity | $17,960,800 | 3,369 |
| Average total loans | $98,313,800 | 3,378 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 2,203 |
| Cost of funding earning assets | 0.2716% | 4,391 |
| Net interest margin | 4.0505% | 1,538 |
| Noninterest income to average assets | 0.6734% | 2,113 |
| Noninterest expense to average assets | 4.0104% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4720% | 4,820 |
| Return on assets (ROA) | 0.4956% | 4,779 |
| Pretax return on assets | 0.4956% | 5,039 |
| Return on Equity (ROE) | 3.8913% | 4,884 |
| Retained earnings to average equity (ytd only) | 2.1461% | 4,574 |
| Net charge-offs to loans | 0.0604% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 11.3400% | 2,511 |
| Efficiency ratio | 89.4704% | 431 |
| Assets per employee ($millions) | 3.0776% | 5,199 |
| Cash dividends to net income (ytd only)* | 44.8479% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 678 |
| Loan loss allowance to noncurrent loans | 190.3865% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 2,356 |
| Noncurrent loans to loans | 1.0073% | 1,929 |
| Net loans and leases to total assets | 69.3999% | 2,646 |
| Net loans and leases to deposits | 82.5440% | 2,716 |
| Net loans and leases to core deposits | 84.2289% | 3,113 |
| Total domestic deposits to total assets | 84.0762% | 3,096 |
| Equity capital to assets | 12.9521% | 1,409 |
| Core capital (leverage) ratio | 12.7771% | 1,305 |
| Tier 1 risk-based capital ratio | 17.6099% | 1,971 |
| Total risk-based capital ratio | 18.8676% | 1,910 |
| Memoranda: | ||
| Average total assets | $140,964,750 | 3,636 |
| Average earning assets | $132,555,500 | 3,593 |
| Average equity | $17,954,250 | 3,398 |
| Average total loans | $97,208,750 | 3,423 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 2,264 |
| Cost of funding earning assets | 0.2663% | 4,406 |
| Net interest margin | 3.9895% | 1,639 |
| Noninterest income to average assets | 0.5896% | 2,516 |
| Noninterest expense to average assets | 4.1417% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1947% | 5,401 |
| Return on assets (ROA) | 0.2302% | 5,367 |
| Pretax return on assets | 0.2302% | 5,405 |
| Return on Equity (ROE) | 1.8175% | 5,367 |
| Retained earnings to average equity (ytd only) | 1.8175% | 4,525 |
| Net charge-offs to loans | 0.1018% | 1,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.7959% | 3,125 |
| Efficiency ratio | 95.5111% | 270 |
| Assets per employee ($millions) | 2.9704% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9417% | 667 |
| Loan loss allowance to noncurrent loans | 214.5577% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,666 |
| Noncurrent loans to loans | 0.9050% | 2,164 |
| Net loans and leases to total assets | 67.8639% | 2,836 |
| Net loans and leases to deposits | 80.0955% | 2,900 |
| Net loans and leases to core deposits | 81.0231% | 3,345 |
| Total domestic deposits to total assets | 84.7287% | 2,922 |
| Equity capital to assets | 12.7752% | 1,483 |
| Core capital (leverage) ratio | 12.8787% | 1,225 |
| Tier 1 risk-based capital ratio | 17.8759% | 1,895 |
| Total risk-based capital ratio | 19.1338% | 1,845 |
| Memoranda: | ||
| Average total assets | $140,763,670 | 3,651 |
| Average earning assets | $132,196,670 | 3,617 |
| Average equity | $17,827,000 | 3,424 |
| Average total loans | $96,222,000 | 3,453 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,131 |
| Cost of funding earning assets | 0.2590% | 4,466 |
| Net interest margin | 3.9820% | 1,515 |
| Noninterest income to average assets | 0.5234% | 2,813 |
| Noninterest expense to average assets | 4.2730% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0114% | 5,609 |
| Return on assets (ROA) | -0.0114% | 5,616 |
| Pretax return on assets | -0.0114% | 5,607 |
| Return on Equity (ROE) | -0.0907% | 5,615 |
| Retained earnings to average equity (ytd only) | -0.0907% | 4,930 |
| Net charge-offs to loans | 0.1726% | 957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.0976% | 2,856 |
| Efficiency ratio | 100.2685% | 218 |
| Assets per employee ($millions) | 2.9297% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 628 |
| Loan loss allowance to noncurrent loans | 197.3333% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,464 |
| Noncurrent loans to loans | 1.0299% | 1,998 |
| Net loans and leases to total assets | 65.9527% | 2,980 |
| Net loans and leases to deposits | 77.7125% | 3,012 |
| Net loans and leases to core deposits | 78.5683% | 3,430 |
| Total domestic deposits to total assets | 84.8676% | 3,136 |
| Equity capital to assets | 12.5952% | 1,466 |
| Core capital (leverage) ratio | 12.9195% | 1,175 |
| Tier 1 risk-based capital ratio | 18.3640% | 1,772 |
| Total risk-based capital ratio | 19.6221% | 1,732 |
| Memoranda: | ||
| Average total assets | $139,855,000 | 3,694 |
| Average earning assets | $131,291,000 | 3,659 |
| Average equity | $17,633,000 | 3,463 |
| Average total loans | $94,994,500 | 3,499 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 1,993 |
| Cost of funding earning assets | 0.1731% | 5,263 |
| Net interest margin | 4.1721% | 1,181 |
| Noninterest income to average assets | 0.5443% | 2,950 |
| Noninterest expense to average assets | 3.8638% | 719 |
| Loan and lease loss provision to assets | 0.0007% | 4,326 |
| Net operating income to assets | 0.5921% | 4,247 |
| Return on assets (ROA) | 0.7022% | 3,880 |
| Pretax return on assets | 0.7022% | 4,477 |
| Return on Equity (ROE) | 5.3620% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.2603% | 4,244 |
| Net charge-offs to loans | 0.2056% | 1,355 |
| Credit loss provision to net charge-offs | 0.5319% | 3,783 |
| Earnings coverage of net charge-offs (x) | 4.2926% | 3,519 |
| Efficiency ratio | 86.6985% | 771 |
| Assets per employee ($millions) | 2.8976% | 5,424 |
| Cash dividends to net income (ytd only)* | 57.8452% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0615% | 588 |
| Loan loss allowance to noncurrent loans | 198.6855% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8132% | 2,318 |
| Noncurrent loans to loans | 1.0376% | 2,005 |
| Net loans and leases to total assets | 67.1201% | 2,910 |
| Net loans and leases to deposits | 80.6633% | 2,824 |
| Net loans and leases to core deposits | 81.7589% | 3,228 |
| Total domestic deposits to total assets | 83.2103% | 3,694 |
| Equity capital to assets | 12.6211% | 1,450 |
| Core capital (leverage) ratio | 13.1340% | 1,087 |
| Tier 1 risk-based capital ratio | 18.3488% | 1,761 |
| Total risk-based capital ratio | 19.6080% | 1,730 |
| Memoranda: | ||
| Average total assets | $136,135,800 | 3,731 |
| Average earning assets | $127,659,000 | 3,691 |
| Average equity | $17,829,200 | 3,430 |
| Average total loans | $91,434,600 | 3,549 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 1,989 |
| Cost of funding earning assets | 0.1678% | 5,366 |
| Net interest margin | 4.1862% | 1,159 |
| Noninterest income to average assets | 0.6184% | 2,574 |
| Noninterest expense to average assets | 3.9044% | 671 |
| Loan and lease loss provision to assets | 0.0020% | 4,171 |
| Net operating income to assets | 0.6420% | 4,118 |
| Return on assets (ROA) | 0.7898% | 3,556 |
| Pretax return on assets | 0.7898% | 4,337 |
| Return on Equity (ROE) | 5.9745% | 4,075 |
| Retained earnings to average equity (ytd only) | 2.2497% | 4,570 |
| Net charge-offs to loans | 0.1769% | 1,310 |
| Credit loss provision to net charge-offs | 1.6667% | 3,406 |
| Earnings coverage of net charge-offs (x) | 5.4499% | 3,127 |
| Efficiency ratio | 85.8411% | 835 |
| Assets per employee ($millions) | 3.0334% | 5,361 |
| Cash dividends to net income (ytd only)* | 62.3439% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 602 |
| Loan loss allowance to noncurrent loans | 210.5590% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 2,309 |
| Noncurrent loans to loans | 0.9986% | 2,246 |
| Net loans and leases to total assets | 69.3794% | 2,591 |
| Net loans and leases to deposits | 82.6966% | 2,642 |
| Net loans and leases to core deposits | 82.8783% | 3,221 |
| Total domestic deposits to total assets | 83.8963% | 3,238 |
| Equity capital to assets | 13.2026% | 1,390 |
| Core capital (leverage) ratio | 13.0872% | 1,157 |
| Tier 1 risk-based capital ratio | 18.1919% | 1,861 |
| Total risk-based capital ratio | 19.4513% | 1,832 |
| Memoranda: | ||
| Average total assets | $135,398,500 | 3,764 |
| Average earning assets | $127,114,000 | 3,718 |
| Average equity | $17,898,000 | 3,449 |
| Average total loans | $90,463,500 | 3,584 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 2,018 |
| Cost of funding earning assets | 0.1675% | 5,435 |
| Net interest margin | 4.1724% | 1,176 |
| Noninterest income to average assets | 0.6443% | 2,395 |
| Noninterest expense to average assets | 3.8421% | 724 |
| Loan and lease loss provision to assets | 0.0044% | 3,960 |
| Net operating income to assets | 0.7080% | 3,749 |
| Return on assets (ROA) | 0.7080% | 3,901 |
| Pretax return on assets | 0.7080% | 4,591 |
| Return on Equity (ROE) | 5.3537% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.8816% | 4,612 |
| Net charge-offs to loans | 0.2919% | 816 |
| Credit loss provision to net charge-offs | 2.3256% | 3,039 |
| Earnings coverage of net charge-offs (x) | 3.7287% | 3,067 |
| Efficiency ratio | 84.3577% | 1,013 |
| Assets per employee ($millions) | 2.9400% | 5,491 |
| Cash dividends to net income (ytd only)* | 64.8536% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2232% | 527 |
| Loan loss allowance to noncurrent loans | 360.4982% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 2,844 |
| Noncurrent loans to loans | 0.6167% | 3,215 |
| Net loans and leases to total assets | 64.4835% | 3,294 |
| Net loans and leases to deposits | 76.7397% | 3,300 |
| Net loans and leases to core deposits | 76.9053% | 3,748 |
| Total domestic deposits to total assets | 84.0289% | 3,255 |
| Equity capital to assets | 13.1241% | 1,434 |
| Core capital (leverage) ratio | 13.1111% | 1,115 |
| Tier 1 risk-based capital ratio | 18.4486% | 1,812 |
| Total risk-based capital ratio | 19.7085% | 1,772 |
| Memoranda: | ||
| Average total assets | $135,030,330 | 3,794 |
| Average earning assets | $126,545,000 | 3,750 |
| Average equity | $17,856,670 | 3,462 |
| Average total loans | $88,371,670 | 3,642 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 1,881 |
| Cost of funding earning assets | 0.1697% | 5,469 |
| Net interest margin | 4.2042% | 1,086 |
| Noninterest income to average assets | 0.8123% | 1,582 |
| Noninterest expense to average assets | 3.8185% | 752 |
| Loan and lease loss provision to assets | 0.0030% | 3,630 |
| Net operating income to assets | 0.9262% | 2,617 |
| Return on assets (ROA) | 0.9262% | 2,727 |
| Pretax return on assets | 0.9262% | 3,747 |
| Return on Equity (ROE) | 6.9762% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.9151% | 2,414 |
| Net charge-offs to loans | 0.2069% | 970 |
| Credit loss provision to net charge-offs | 2.2222% | 2,412 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 2,199 |
| Efficiency ratio | 80.4293% | 1,555 |
| Assets per employee ($millions) | 3.1105% | 5,385 |
| Cash dividends to net income (ytd only)* | 15.2104% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3658% | 464 |
| Loan loss allowance to noncurrent loans | 315.0972% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.9585% | 2,309 |
| Noncurrent loans to loans | 0.7508% | 2,959 |
| Net loans and leases to total assets | 65.0433% | 3,100 |
| Net loans and leases to deposits | 75.5607% | 3,269 |
| Net loans and leases to core deposits | 75.9923% | 3,684 |
| Total domestic deposits to total assets | 86.0809% | 2,641 |
| Equity capital to assets | 13.3636% | 1,235 |
| Core capital (leverage) ratio | 13.4427% | 1,009 |
| Tier 1 risk-based capital ratio | 19.1334% | 1,700 |
| Total risk-based capital ratio | 20.3955% | 1,663 |
| Memoranda: | ||
| Average total assets | $133,455,000 | 3,849 |
| Average earning assets | $124,922,000 | 3,810 |
| Average equity | $17,717,500 | 3,474 |
| Average total loans | $86,992,500 | 3,681 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,391 |
| Cost of funding earning assets | 0.1606% | 5,609 |
| Net interest margin | 4.4172% | 766 |
| Noninterest income to average assets | 0.7296% | 2,067 |
| Noninterest expense to average assets | 4.1076% | 598 |
| Loan and lease loss provision to assets | 0.0023% | 4,339 |
| Net operating income to assets | 0.7371% | 3,638 |
| Return on assets (ROA) | 0.7364% | 3,736 |
| Pretax return on assets | 0.7364% | 4,416 |
| Return on Equity (ROE) | 5.6325% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.6668% | 2,665 |
| Net charge-offs to loans | 0.7895% | 285 |
| Credit loss provision to net charge-offs | 0.4196% | 3,895 |
| Earnings coverage of net charge-offs (x) | 1.3678% | 4,099 |
| Efficiency ratio | 84.7450% | 1,118 |
| Assets per employee ($millions) | 3.0967% | 5,418 |
| Cash dividends to net income (ytd only)* | 17.1458% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5353% | 376 |
| Loan loss allowance to noncurrent loans | 319.7623% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 2,156 |
| Noncurrent loans to loans | 0.7929% | 2,810 |
| Net loans and leases to total assets | 62.1280% | 3,543 |
| Net loans and leases to deposits | 72.0178% | 3,715 |
| Net loans and leases to core deposits | 72.2707% | 4,108 |
| Total domestic deposits to total assets | 86.2675% | 2,508 |
| Equity capital to assets | 13.1880% | 1,264 |
| Core capital (leverage) ratio | 13.0474% | 1,137 |
| Tier 1 risk-based capital ratio | 19.7501% | 1,531 |
| Total risk-based capital ratio | 21.0141% | 1,503 |
| Memoranda: | ||
| Average total assets | $132,266,400 | 3,844 |
| Average earning assets | $123,291,600 | 3,810 |
| Average equity | $17,292,400 | 3,491 |
| Average total loans | $90,562,600 | 3,579 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 1,150 |
| Cost of funding earning assets | 0.1593% | 5,714 |
| Net interest margin | 4.5132% | 632 |
| Noninterest income to average assets | 0.7694% | 1,930 |
| Noninterest expense to average assets | 4.0824% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8916% | 2,997 |
| Return on assets (ROA) | 0.8906% | 3,089 |
| Pretax return on assets | 0.8906% | 4,013 |
| Return on Equity (ROE) | 6.8270% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.5344% | 2,558 |
| Net charge-offs to loans | 0.8117% | 249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.5768% | 3,807 |
| Efficiency ratio | 82.0747% | 1,386 |
| Assets per employee ($millions) | 3.1073% | 5,420 |
| Cash dividends to net income (ytd only)* | 18.9342% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6234% | 369 |
| Loan loss allowance to noncurrent loans | 310.9312% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 2,152 |
| Noncurrent loans to loans | 0.8437% | 2,860 |
| Net loans and leases to total assets | 64.0077% | 3,309 |
| Net loans and leases to deposits | 74.1651% | 3,531 |
| Net loans and leases to core deposits | 74.4239% | 3,974 |
| Total domestic deposits to total assets | 86.3044% | 2,384 |
| Equity capital to assets | 13.0954% | 1,399 |
| Core capital (leverage) ratio | 13.3251% | 1,082 |
| Tier 1 risk-based capital ratio | 19.5569% | 1,655 |
| Total risk-based capital ratio | 20.8228% | 1,618 |
| Memoranda: | ||
| Average total assets | $132,043,250 | 3,893 |
| Average earning assets | $123,013,000 | 3,862 |
| Average equity | $17,225,250 | 3,528 |
| Average total loans | $91,983,000 | 3,577 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6905% | 1,085 |
| Cost of funding earning assets | 0.1555% | 5,815 |
| Net interest margin | 4.5350% | 593 |
| Noninterest income to average assets | 1.0356% | 1,107 |
| Noninterest expense to average assets | 3.9370% | 733 |
| Loan and lease loss provision to assets | 0.0046% | 3,998 |
| Net operating income to assets | 1.3078% | 1,301 |
| Return on assets (ROA) | 1.3063% | 1,366 |
| Pretax return on assets | 1.3063% | 2,339 |
| Return on Equity (ROE) | 10.0265% | 2,056 |
| Retained earnings to average equity (ytd only) | 8.0772% | 1,232 |
| Net charge-offs to loans | 0.2742% | 964 |
| Credit loss provision to net charge-offs | 2.3438% | 3,145 |
| Earnings coverage of net charge-offs (x) | 6.7422% | 2,744 |
| Efficiency ratio | 75.0000% | 2,534 |
| Assets per employee ($millions) | 3.0917% | 5,483 |
| Cash dividends to net income (ytd only)* | 19.4412% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0439% | 259 |
| Loan loss allowance to noncurrent loans | 159.7085% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8692% | 1,219 |
| Noncurrent loans to loans | 1.9059% | 1,306 |
| Net loans and leases to total assets | 65.6249% | 3,019 |
| Net loans and leases to deposits | 76.0718% | 3,264 |
| Net loans and leases to core deposits | 76.3381% | 3,733 |
| Total domestic deposits to total assets | 86.2669% | 2,547 |
| Equity capital to assets | 13.1448% | 1,325 |
| Core capital (leverage) ratio | 13.2717% | 1,061 |
| Tier 1 risk-based capital ratio | 20.3139% | 1,480 |
| Total risk-based capital ratio | 21.5891% | 1,452 |
| Memoranda: | ||
| Average total assets | $131,520,330 | 3,932 |
| Average earning assets | $122,204,000 | 3,909 |
| Average equity | $17,134,670 | 3,547 |
| Average total loans | $93,368,670 | 3,567 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 894 |
| Cost of funding earning assets | 0.1485% | 5,940 |
| Net interest margin | 4.6318% | 470 |
| Noninterest income to average assets | 0.7431% | 1,948 |
| Noninterest expense to average assets | 4.0058% | 690 |
| Loan and lease loss provision to assets | 0.0061% | 3,630 |
| Net operating income to assets | 1.0244% | 2,146 |
| Return on assets (ROA) | 1.0213% | 2,306 |
| Pretax return on assets | 1.0213% | 3,417 |
| Return on Equity (ROE) | 7.8753% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.8753% | 1,616 |
| Net charge-offs to loans | 0.2735% | 873 |
| Credit loss provision to net charge-offs | 3.0769% | 2,476 |
| Earnings coverage of net charge-offs (x) | 5.1846% | 2,408 |
| Efficiency ratio | 79.5386% | 1,953 |
| Assets per employee ($millions) | 3.0930% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9525% | 313 |
| Loan loss allowance to noncurrent loans | 180.1802% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 2.3384% | 944 |
| Noncurrent loans to loans | 1.6386% | 1,703 |
| Net loans and leases to total assets | 69.2010% | 2,251 |
| Net loans and leases to deposits | 79.9222% | 2,569 |
| Net loans and leases to core deposits | 79.9222% | 3,174 |
| Total domestic deposits to total assets | 86.5855% | 2,616 |
| Equity capital to assets | 12.8867% | 1,459 |
| Core capital (leverage) ratio | 13.0348% | 1,145 |
| Tier 1 risk-based capital ratio | 19.2445% | 1,798 |
| Total risk-based capital ratio | 20.5179% | 1,755 |
| Memoranda: | ||
| Average total assets | $130,809,500 | 3,976 |
| Average earning assets | $121,249,000 | 3,949 |
| Average equity | $16,964,500 | 3,594 |
| Average total loans | $95,062,000 | 3,544 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 1,109 |
| Cost of funding earning assets | 0.1717% | 5,972 |
| Net interest margin | 4.6329% | 585 |
| Noninterest income to average assets | 0.5892% | 2,922 |
| Noninterest expense to average assets | 3.7092% | 1,129 |
| Loan and lease loss provision to assets | 0.4700% | 343 |
| Net operating income to assets | 0.7320% | 3,722 |
| Return on assets (ROA) | 0.7320% | 3,830 |
| Pretax return on assets | 0.7320% | 4,502 |
| Return on Equity (ROE) | 5.8678% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.8678% | 2,006 |
| Net charge-offs to loans | 1.0413% | 280 |
| Credit loss provision to net charge-offs | 61.4087% | 3,259 |
| Earnings coverage of net charge-offs (x) | 1.5704% | 4,393 |
| Efficiency ratio | 75.5257% | 2,589 |
| Assets per employee ($millions) | 3.0624% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0056% | 297 |
| Loan loss allowance to noncurrent loans | 139.3674% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 2.7950% | 769 |
| Noncurrent loans to loans | 2.1566% | 1,250 |
| Net loans and leases to total assets | 71.8576% | 1,933 |
| Net loans and leases to deposits | 83.2739% | 2,301 |
| Net loans and leases to core deposits | 83.2739% | 2,974 |
| Total domestic deposits to total assets | 86.2907% | 2,679 |
| Equity capital to assets | 13.0539% | 1,347 |
| Core capital (leverage) ratio | 13.0284% | 1,128 |
| Tier 1 risk-based capital ratio | 17.4207% | 2,344 |
| Total risk-based capital ratio | 18.6920% | 2,302 |
| Memoranda: | ||
| Average total assets | $131,697,800 | 3,943 |
| Average earning assets | $122,859,200 | 3,904 |
| Average equity | $16,428,600 | 3,614 |
| Average total loans | $96,806,000 | 3,482 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 1,145 |
| Cost of funding earning assets | 0.1797% | 5,994 |
| Net interest margin | 4.5994% | 619 |
| Noninterest income to average assets | 0.5898% | 2,933 |
| Noninterest expense to average assets | 3.5319% | 1,407 |
| Loan and lease loss provision to assets | 0.3221% | 582 |
| Net operating income to assets | 1.0377% | 2,291 |
| Return on assets (ROA) | 1.0377% | 2,350 |
| Pretax return on assets | 1.0377% | 3,439 |
| Return on Equity (ROE) | 8.4136% | 2,981 |
| Retained earnings to average equity (ytd only) | 8.4136% | 1,184 |
| Net charge-offs to loans | 0.9164% | 354 |
| Credit loss provision to net charge-offs | 47.9042% | 3,139 |
| Earnings coverage of net charge-offs (x) | 2.0225% | 4,014 |
| Efficiency ratio | 72.2016% | 3,146 |
| Assets per employee ($millions) | 3.0704% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0573% | 342 |
| Loan loss allowance to noncurrent loans | 82.2946% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 3.5656% | 594 |
| Noncurrent loans to loans | 3.7150% | 610 |
| Net loans and leases to total assets | 71.4313% | 1,944 |
| Net loans and leases to deposits | 82.6855% | 2,340 |
| Net loans and leases to core deposits | 82.6855% | 3,037 |
| Total domestic deposits to total assets | 86.3892% | 2,649 |
| Equity capital to assets | 13.0548% | 1,402 |
| Core capital (leverage) ratio | 12.9114% | 1,221 |
| Tier 1 risk-based capital ratio | 18.1068% | 2,182 |
| Total risk-based capital ratio | 19.3803% | 2,130 |
| Memoranda: | ||
| Average total assets | $132,467,000 | 3,962 |
| Average earning assets | $123,896,750 | 3,916 |
| Average equity | $16,338,250 | 3,644 |
| Average total loans | $97,185,500 | 3,510 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 1,097 |
| Cost of funding earning assets | 0.1854% | 6,035 |
| Net interest margin | 4.6001% | 585 |
| Noninterest income to average assets | 0.5941% | 2,845 |
| Noninterest expense to average assets | 3.4257% | 1,624 |
| Loan and lease loss provision to assets | 0.3203% | 595 |
| Net operating income to assets | 1.1554% | 1,739 |
| Return on assets (ROA) | 1.1554% | 1,817 |
| Pretax return on assets | 1.1554% | 2,858 |
| Return on Equity (ROE) | 9.5470% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.5470% | 828 |
| Net charge-offs to loans | 1.1051% | 297 |
| Credit loss provision to net charge-offs | 39.5564% | 2,933 |
| Earnings coverage of net charge-offs (x) | 1.8226% | 3,704 |
| Efficiency ratio | 69.8931% | 3,673 |
| Assets per employee ($millions) | 3.0143% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0085% | 379 |
| Loan loss allowance to noncurrent loans | 80.4234% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 3.1041% | 817 |
| Noncurrent loans to loans | 3.7408% | 668 |
| Net loans and leases to total assets | 71.0995% | 1,906 |
| Net loans and leases to deposits | 81.7895% | 2,274 |
| Net loans and leases to core deposits | 81.7895% | 2,996 |
| Total domestic deposits to total assets | 86.9299% | 2,487 |
| Equity capital to assets | 12.4978% | 1,642 |
| Core capital (leverage) ratio | 12.4586% | 1,417 |
| Tier 1 risk-based capital ratio | 17.4847% | 2,419 |
| Total risk-based capital ratio | 18.7578% | 2,387 |
| Memoranda: | ||
| Average total assets | $133,637,330 | 3,963 |
| Average earning assets | $125,128,670 | 3,908 |
| Average equity | $16,172,670 | 3,666 |
| Average total loans | $97,907,330 | 3,494 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 1,011 |
| Cost of funding earning assets | 0.2004% | 5,996 |
| Net interest margin | 4.6180% | 545 |
| Noninterest income to average assets | 0.5010% | 3,404 |
| Noninterest expense to average assets | 3.4919% | 1,503 |
| Loan and lease loss provision to assets | 0.3131% | 597 |
| Net operating income to assets | 1.0258% | 2,102 |
| Return on assets (ROA) | 1.0258% | 2,174 |
| Pretax return on assets | 1.0258% | 3,229 |
| Return on Equity (ROE) | 8.6156% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.6156% | 1,377 |
| Net charge-offs to loans | 1.1644% | 287 |
| Credit loss provision to net charge-offs | 36.7133% | 2,335 |
| Earnings coverage of net charge-offs (x) | 1.5699% | 3,067 |
| Efficiency ratio | 72.2840% | 3,435 |
| Assets per employee ($millions) | 3.0465% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1312% | 379 |
| Loan loss allowance to noncurrent loans | 68.7710% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 3.5876% | 720 |
| Noncurrent loans to loans | 4.5531% | 519 |
| Net loans and leases to total assets | 70.8988% | 1,739 |
| Net loans and leases to deposits | 81.0882% | 2,151 |
| Net loans and leases to core deposits | 81.0882% | 2,844 |
| Total domestic deposits to total assets | 87.4342% | 2,540 |
| Equity capital to assets | 12.0429% | 1,842 |
| Core capital (leverage) ratio | 12.0390% | 1,633 |
| Tier 1 risk-based capital ratio | 17.0113% | 2,685 |
| Total risk-based capital ratio | 18.2863% | 2,625 |
| Memoranda: | ||
| Average total assets | $134,140,500 | 3,991 |
| Average earning assets | $125,768,500 | 3,930 |
| Average equity | $15,971,000 | 3,704 |
| Average total loans | $98,248,500 | 3,508 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 2,196 |
| Cost of funding earning assets | 0.4655% | 3,961 |
| Net interest margin | 4.0363% | 1,848 |
| Noninterest income to average assets | 0.2382% | 5,643 |
| Noninterest expense to average assets | 3.2680% | 2,228 |
| Loan and lease loss provision to assets | 1.0362% | 170 |
| Net operating income to assets | -0.2996% | 6,414 |
| Return on assets (ROA) | -0.3009% | 6,433 |
| Pretax return on assets | -0.3009% | 6,412 |
| Return on Equity (ROE) | -2.7748% | 6,418 |
| Retained earnings to average equity (ytd only) | -2.7748% | 6,249 |
| Net charge-offs to loans | 1.9294% | 202 |
| Credit loss provision to net charge-offs | 74.9156% | 3,174 |
| Earnings coverage of net charge-offs (x) | 0.5326% | 4,902 |
| Efficiency ratio | 81.6061% | 1,929 |
| Assets per employee ($millions) | 3.0508% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3063% | 336 |
| Loan loss allowance to noncurrent loans | 74.1171% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 3.9714% | 673 |
| Noncurrent loans to loans | 4.4609% | 597 |
| Net loans and leases to total assets | 70.8720% | 1,862 |
| Net loans and leases to deposits | 81.2300% | 2,294 |
| Net loans and leases to core deposits | 81.7262% | 2,928 |
| Total domestic deposits to total assets | 87.2485% | 2,603 |
| Equity capital to assets | 11.7697% | 1,968 |
| Core capital (leverage) ratio | 10.8232% | 2,551 |
| Tier 1 risk-based capital ratio | 16.2414% | 2,991 |
| Total risk-based capital ratio | 17.5172% | 2,932 |
| Memoranda: | ||
| Average total assets | $149,876,800 | 3,707 |
| Average earning assets | $139,857,000 | 3,667 |
| Average equity | $16,253,200 | 3,665 |
| Average total loans | $107,441,000 | 3,295 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 2,016 |
| Cost of funding earning assets | 0.6761% | 2,128 |
| Net interest margin | 3.8811% | 2,338 |
| Noninterest income to average assets | 0.3164% | 5,167 |
| Noninterest expense to average assets | 3.0093% | 2,963 |
| Loan and lease loss provision to assets | 0.5419% | 489 |
| Net operating income to assets | 0.3832% | 5,313 |
| Return on assets (ROA) | 0.3815% | 5,465 |
| Pretax return on assets | 0.3815% | 5,680 |
| Return on Equity (ROE) | 3.5844% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.5844% | 4,144 |
| Net charge-offs to loans | 0.3841% | 1,670 |
| Credit loss provision to net charge-offs | 197.7848% | 1,225 |
| Earnings coverage of net charge-offs (x) | 3.3766% | 3,721 |
| Efficiency ratio | 76.4874% | 2,653 |
| Assets per employee ($millions) | 3.3618% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8118% | 267 |
| Loan loss allowance to noncurrent loans | 45.3314% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 7.1768% | 273 |
| Noncurrent loans to loans | 8.4086% | 205 |
| Net loans and leases to total assets | 68.1075% | 2,276 |
| Net loans and leases to deposits | 84.5753% | 1,802 |
| Net loans and leases to core deposits | 85.0718% | 2,536 |
| Total domestic deposits to total assets | 80.5288% | 5,352 |
| Equity capital to assets | 11.0385% | 2,724 |
| Core capital (leverage) ratio | 10.9355% | 2,543 |
| Tier 1 risk-based capital ratio | 16.3496% | 3,013 |
| Total risk-based capital ratio | 17.6332% | 2,962 |
| Memoranda: | ||
| Average total assets | $153,787,250 | 3,677 |
| Average earning assets | $143,357,750 | 3,648 |
| Average equity | $16,366,750 | 3,692 |
| Average total loans | $109,704,250 | 3,276 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 1,849 |
| Cost of funding earning assets | 0.7346% | 1,808 |
| Net interest margin | 3.8672% | 2,316 |
| Noninterest income to average assets | 0.3906% | 4,592 |
| Noninterest expense to average assets | 3.2181% | 2,308 |
| Loan and lease loss provision to assets | 0.8084% | 263 |
| Net operating income to assets | -0.0336% | 6,338 |
| Return on assets (ROA) | -0.0362% | 6,395 |
| Pretax return on assets | -0.0362% | 6,385 |
| Return on Equity (ROE) | -0.3445% | 6,400 |
| Retained earnings to average equity (ytd only) | -0.3445% | 5,922 |
| Net charge-offs to loans | 0.1628% | 2,810 |
| Credit loss provision to net charge-offs | 694.4444% | 425 |
| Earnings coverage of net charge-offs (x) | 6.6556% | 2,677 |
| Efficiency ratio | 80.5960% | 2,078 |
| Assets per employee ($millions) | 3.5018% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9493% | 267 |
| Loan loss allowance to noncurrent loans | 55.9553% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 6.3292% | 414 |
| Noncurrent loans to loans | 7.0580% | 337 |
| Net loans and leases to total assets | 68.0002% | 2,230 |
| Net loans and leases to deposits | 84.0525% | 1,801 |
| Net loans and leases to core deposits | 84.5327% | 2,487 |
| Total domestic deposits to total assets | 80.9020% | 5,370 |
| Equity capital to assets | 10.5342% | 3,255 |
| Core capital (leverage) ratio | 10.4548% | 2,936 |
| Tier 1 risk-based capital ratio | 15.5651% | 3,445 |
| Total risk-based capital ratio | 16.8511% | 3,377 |
| Memoranda: | ||
| Average total assets | $154,623,000 | 3,694 |
| Average earning assets | $144,031,000 | 3,662 |
| Average equity | $16,256,000 | 3,733 |
| Average total loans | $110,567,000 | 3,260 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 1,757 |
| Cost of funding earning assets | 0.7963% | 1,551 |
| Net interest margin | 3.8290% | 2,350 |
| Noninterest income to average assets | 0.2298% | 5,817 |
| Noninterest expense to average assets | 3.2900% | 2,107 |
| Loan and lease loss provision to assets | 0.4519% | 629 |
| Net operating income to assets | 0.0516% | 6,244 |
| Return on assets (ROA) | 0.0465% | 6,345 |
| Pretax return on assets | 0.0465% | 6,343 |
| Return on Equity (ROE) | 0.4426% | 6,340 |
| Retained earnings to average equity (ytd only) | 0.4426% | 5,646 |
| Net charge-offs to loans | 0.1401% | 2,565 |
| Credit loss provision to net charge-offs | 448.7179% | 594 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,425 |
| Efficiency ratio | 86.7257% | 1,434 |
| Assets per employee ($millions) | 3.7087% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5005% | 415 |
| Loan loss allowance to noncurrent loans | 51.5291% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 6.3262% | 489 |
| Noncurrent loans to loans | 6.7933% | 446 |
| Net loans and leases to total assets | 69.1811% | 1,806 |
| Net loans and leases to deposits | 87.0908% | 1,234 |
| Net loans and leases to core deposits | 87.5920% | 1,948 |
| Total domestic deposits to total assets | 79.4357% | 5,888 |
| Equity capital to assets | 10.4497% | 3,602 |
| Core capital (leverage) ratio | 10.5185% | 2,751 |
| Tier 1 risk-based capital ratio | 15.1787% | 3,719 |
| Total risk-based capital ratio | 16.4581% | 3,651 |
| Memoranda: | ||
| Average total assets | $154,895,000 | 3,726 |
| Average earning assets | $144,162,500 | 3,695 |
| Average equity | $16,268,500 | 3,777 |
| Average total loans | $111,309,500 | 3,265 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 1,140 |
| Cost of funding earning assets | 0.9933% | 1,395 |
| Net interest margin | 4.1941% | 1,682 |
| Noninterest income to average assets | 0.6329% | 3,091 |
| Noninterest expense to average assets | 3.1091% | 2,896 |
| Loan and lease loss provision to assets | 0.4281% | 1,491 |
| Net operating income to assets | 0.9971% | 2,346 |
| Return on assets (ROA) | 0.9971% | 2,571 |
| Pretax return on assets | 0.9971% | 3,558 |
| Return on Equity (ROE) | 9.7807% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.7807% | 636 |
| Net charge-offs to loans | 0.7972% | 1,469 |
| Credit loss provision to net charge-offs | 72.4638% | 4,087 |
| Earnings coverage of net charge-offs (x) | 2.4125% | 4,202 |
| Efficiency ratio | 68.5694% | 4,045 |
| Assets per employee ($millions) | 3.6673% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4006% | 468 |
| Loan loss allowance to noncurrent loans | 54.8321% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 6.0393% | 571 |
| Noncurrent loans to loans | 6.2019% | 565 |
| Net loans and leases to total assets | 69.5842% | 1,924 |
| Net loans and leases to deposits | 88.2718% | 1,236 |
| Net loans and leases to core deposits | 88.9569% | 1,972 |
| Total domestic deposits to total assets | 78.8294% | 5,925 |
| Equity capital to assets | 10.5567% | 3,458 |
| Core capital (leverage) ratio | 10.6029% | 2,650 |
| Tier 1 risk-based capital ratio | 15.1361% | 3,650 |
| Total risk-based capital ratio | 16.4142% | 3,574 |
| Memoranda: | ||
| Average total assets | $151,844,600 | 3,739 |
| Average earning assets | $141,246,600 | 3,701 |
| Average equity | $15,479,400 | 3,862 |
| Average total loans | $112,521,400 | 3,241 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 1,172 |
| Cost of funding earning assets | 1.0283% | 1,403 |
| Net interest margin | 4.1824% | 1,785 |
| Noninterest income to average assets | 0.6759% | 2,841 |
| Noninterest expense to average assets | 3.1531% | 2,707 |
| Loan and lease loss provision to assets | 0.3525% | 1,848 |
| Net operating income to assets | 1.0663% | 2,233 |
| Return on assets (ROA) | 1.0663% | 2,440 |
| Pretax return on assets | 1.0663% | 3,476 |
| Return on Equity (ROE) | 10.5552% | 2,113 |
| Retained earnings to average equity (ytd only) | 10.5552% | 776 |
| Net charge-offs to loans | 1.0639% | 984 |
| Credit loss provision to net charge-offs | 44.3951% | 4,523 |
| Earnings coverage of net charge-offs (x) | 1.7869% | 4,375 |
| Efficiency ratio | 68.9668% | 3,883 |
| Assets per employee ($millions) | 3.6357% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1547% | 627 |
| Loan loss allowance to noncurrent loans | 51.4474% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 6.0374% | 663 |
| Noncurrent loans to loans | 6.1319% | 655 |
| Net loans and leases to total assets | 70.7462% | 1,770 |
| Net loans and leases to deposits | 89.7235% | 1,180 |
| Net loans and leases to core deposits | 90.4447% | 1,928 |
| Total domestic deposits to total assets | 78.8491% | 5,905 |
| Equity capital to assets | 10.4487% | 3,902 |
| Core capital (leverage) ratio | 10.5218% | 2,887 |
| Tier 1 risk-based capital ratio | 14.7714% | 3,999 |
| Total risk-based capital ratio | 16.0462% | 3,940 |
| Memoranda: | ||
| Average total assets | $151,299,500 | 3,794 |
| Average earning assets | $140,937,000 | 3,755 |
| Average equity | $15,284,250 | 3,939 |
| Average total loans | $112,914,250 | 3,257 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2467% | 1,149 |
| Cost of funding earning assets | 1.0676% | 1,367 |
| Net interest margin | 4.1791% | 1,806 |
| Noninterest income to average assets | 0.5556% | 3,553 |
| Noninterest expense to average assets | 3.1929% | 2,612 |
| Loan and lease loss provision to assets | 0.2652% | 2,460 |
| Net operating income to assets | 0.9852% | 2,530 |
| Return on assets (ROA) | 0.9852% | 2,761 |
| Pretax return on assets | 0.9852% | 3,766 |
| Return on Equity (ROE) | 9.8668% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.8668% | 1,009 |
| Net charge-offs to loans | 1.3319% | 790 |
| Credit loss provision to net charge-offs | 26.4901% | 4,496 |
| Earnings coverage of net charge-offs (x) | 1.2490% | 4,383 |
| Efficiency ratio | 71.8591% | 3,452 |
| Assets per employee ($millions) | 3.6321% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1094% | 711 |
| Loan loss allowance to noncurrent loans | 56.5437% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 5.4186% | 834 |
| Noncurrent loans to loans | 5.4992% | 847 |
| Net loans and leases to total assets | 70.7768% | 1,776 |
| Net loans and leases to deposits | 89.5779% | 1,188 |
| Net loans and leases to core deposits | 90.2948% | 1,955 |
| Total domestic deposits to total assets | 79.0115% | 5,958 |
| Equity capital to assets | 10.1527% | 4,118 |
| Core capital (leverage) ratio | 10.4253% | 2,893 |
| Tier 1 risk-based capital ratio | 14.4439% | 4,141 |
| Total risk-based capital ratio | 15.7178% | 4,089 |
| Memoranda: | ||
| Average total assets | $150,833,330 | 3,827 |
| Average earning assets | $140,317,000 | 3,782 |
| Average equity | $15,060,670 | 3,975 |
| Average total loans | $113,370,000 | 3,264 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2733% | 1,160 |
| Cost of funding earning assets | 1.1167% | 1,312 |
| Net interest margin | 4.1566% | 1,912 |
| Noninterest income to average assets | 0.6721% | 2,801 |
| Noninterest expense to average assets | 3.4592% | 1,847 |
| Loan and lease loss provision to assets | 0.5334% | 1,120 |
| Net operating income to assets | 0.5414% | 4,644 |
| Return on assets (ROA) | 0.5414% | 4,854 |
| Pretax return on assets | 0.5414% | 5,314 |
| Return on Equity (ROE) | 5.4691% | 4,563 |
| Retained earnings to average equity (ytd only) | 5.4691% | 3,280 |
| Net charge-offs to loans | 1.1125% | 926 |
| Credit loss provision to net charge-offs | 62.8931% | 3,058 |
| Earnings coverage of net charge-offs (x) | 1.2673% | 3,697 |
| Efficiency ratio | 76.2941% | 2,746 |
| Assets per employee ($millions) | 3.5810% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4284% | 567 |
| Loan loss allowance to noncurrent loans | 51.6274% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 6.5351% | 684 |
| Noncurrent loans to loans | 6.6406% | 713 |
| Net loans and leases to total assets | 73.0785% | 1,211 |
| Net loans and leases to deposits | 93.2074% | 717 |
| Net loans and leases to core deposits | 93.9684% | 1,469 |
| Total domestic deposits to total assets | 78.4042% | 6,209 |
| Equity capital to assets | 9.9392% | 4,204 |
| Core capital (leverage) ratio | 10.0831% | 3,267 |
| Tier 1 risk-based capital ratio | 13.6599% | 4,709 |
| Total risk-based capital ratio | 14.9109% | 4,691 |
| Memoranda: | ||
| Average total assets | $149,975,000 | 3,872 |
| Average earning assets | $139,344,000 | 3,828 |
| Average equity | $14,847,000 | 4,027 |
| Average total loans | $114,337,500 | 3,270 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 1,337 |
| Cost of funding earning assets | 1.2611% | 1,675 |
| Net interest margin | 4.1686% | 2,163 |
| Noninterest income to average assets | 0.6256% | 3,035 |
| Noninterest expense to average assets | 2.7986% | 4,350 |
| Loan and lease loss provision to assets | 2.2041% | 234 |
| Net operating income to assets | -0.4771% | 6,468 |
| Return on assets (ROA) | -0.4778% | 6,524 |
| Pretax return on assets | -0.4778% | 6,482 |
| Return on Equity (ROE) | -4.6025% | 6,510 |
| Retained earnings to average equity (ytd only) | -8.6366% | 6,649 |
| Net charge-offs to loans | 1.5724% | 1,006 |
| Credit loss provision to net charge-offs | 182.0128% | 1,419 |
| Earnings coverage of net charge-offs (x) | 1.4261% | 4,699 |
| Efficiency ratio | 61.8393% | 5,484 |
| Assets per employee ($millions) | 3.4778% | 5,075 |
| Cash dividends to net income (ytd only)* | -87.6526% | 7,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4999% | 535 |
| Loan loss allowance to noncurrent loans | 47.1554% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 7.2473% | 624 |
| Noncurrent loans to loans | 7.4221% | 578 |
| Net loans and leases to total assets | 74.1177% | 1,257 |
| Net loans and leases to deposits | 94.7626% | 755 |
| Net loans and leases to core deposits | 95.7680% | 1,518 |
| Total domestic deposits to total assets | 78.2141% | 6,154 |
| Equity capital to assets | 9.8598% | 4,357 |
| Core capital (leverage) ratio | 9.7245% | 3,713 |
| Tier 1 risk-based capital ratio | 13.3461% | 4,809 |
| Total risk-based capital ratio | 14.5924% | 4,784 |
| Memoranda: | ||
| Average total assets | $154,255,000 | 3,733 |
| Average earning assets | $144,318,200 | 3,669 |
| Average equity | $16,013,200 | 3,727 |
| Average total loans | $118,798,000 | 3,201 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4356% | 1,424 |
| Cost of funding earning assets | 1.3029% | 1,683 |
| Net interest margin | 4.1328% | 2,340 |
| Noninterest income to average assets | 0.6073% | 3,126 |
| Noninterest expense to average assets | 2.7527% | 4,526 |
| Loan and lease loss provision to assets | 1.2009% | 651 |
| Net operating income to assets | 0.5284% | 4,411 |
| Return on assets (ROA) | 0.5284% | 4,601 |
| Pretax return on assets | 0.5284% | 5,045 |
| Return on Equity (ROE) | 5.0294% | 4,515 |
| Retained earnings to average equity (ytd only) | -0.2449% | 6,017 |
| Net charge-offs to loans | 1.4170% | 1,050 |
| Credit loss provision to net charge-offs | 109.9764% | 3,005 |
| Earnings coverage of net charge-offs (x) | 1.5837% | 4,453 |
| Efficiency ratio | 61.4163% | 5,497 |
| Assets per employee ($millions) | 3.5619% | 4,847 |
| Cash dividends to net income (ytd only)* | 104.8703% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,818 |
| Loan loss allowance to noncurrent loans | 28.3900% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 7.5509% | 619 |
| Noncurrent loans to loans | 7.8238% | 577 |
| Net loans and leases to total assets | 75.1601% | 1,118 |
| Net loans and leases to deposits | 96.5941% | 666 |
| Net loans and leases to core deposits | 97.9069% | 1,428 |
| Total domestic deposits to total assets | 77.8103% | 6,225 |
| Equity capital to assets | 10.5105% | 3,697 |
| Core capital (leverage) ratio | 10.3760% | 3,010 |
| Tier 1 risk-based capital ratio | 14.1192% | 4,264 |
| Total risk-based capital ratio | 15.3506% | 4,254 |
| Memoranda: | ||
| Average total assets | $155,432,250 | 3,733 |
| Average earning assets | $145,726,500 | 3,668 |
| Average equity | $16,330,250 | 3,685 |
| Average total loans | $119,782,500 | 3,205 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 1,456 |
| Cost of funding earning assets | 1.3412% | 1,695 |
| Net interest margin | 4.0960% | 2,423 |
| Noninterest income to average assets | 0.5685% | 3,343 |
| Noninterest expense to average assets | 2.7966% | 4,428 |
| Loan and lease loss provision to assets | 0.4482% | 2,181 |
| Net operating income to assets | 1.1717% | 1,657 |
| Return on assets (ROA) | 1.1717% | 1,739 |
| Pretax return on assets | 1.1717% | 2,591 |
| Return on Equity (ROE) | 11.1533% | 1,744 |
| Retained earnings to average equity (ytd only) | 3.2790% | 4,175 |
| Net charge-offs to loans | 2.0271% | 658 |
| Credit loss provision to net charge-offs | 28.6650% | 5,014 |
| Earnings coverage of net charge-offs (x) | 1.0360% | 4,514 |
| Efficiency ratio | 63.3227% | 5,361 |
| Assets per employee ($millions) | 3.6360% | 4,598 |
| Cash dividends to net income (ytd only)* | 70.6011% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,815 |
| Loan loss allowance to noncurrent loans | 18.4295% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 6.3941% | 842 |
| Noncurrent loans to loans | 7.3445% | 674 |
| Net loans and leases to total assets | 75.3746% | 1,175 |
| Net loans and leases to deposits | 96.6165% | 675 |
| Net loans and leases to core deposits | 98.1028% | 1,496 |
| Total domestic deposits to total assets | 78.0143% | 6,288 |
| Equity capital to assets | 10.4876% | 3,524 |
| Core capital (leverage) ratio | 10.5767% | 2,636 |
| Tier 1 risk-based capital ratio | 14.1109% | 4,093 |
| Total risk-based capital ratio | 15.3329% | 4,082 |
| Memoranda: | ||
| Average total assets | $156,189,330 | 3,749 |
| Average earning assets | $146,730,000 | 3,673 |
| Average equity | $16,407,670 | 3,667 |
| Average total loans | $120,466,330 | 3,216 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5983% | 1,057 |
| Cost of funding earning assets | 1.4391% | 1,437 |
| Net interest margin | 4.1592% | 2,040 |
| Noninterest income to average assets | 0.6354% | 2,928 |
| Noninterest expense to average assets | 2.8928% | 4,088 |
| Loan and lease loss provision to assets | 0.1922% | 3,707 |
| Net operating income to assets | 1.4605% | 961 |
| Return on assets (ROA) | 1.4605% | 996 |
| Pretax return on assets | 1.4605% | 1,565 |
| Return on Equity (ROE) | 13.8914% | 1,010 |
| Retained earnings to average equity (ytd only) | 13.8914% | 482 |
| Net charge-offs to loans | 0.2844% | 2,925 |
| Credit loss provision to net charge-offs | 87.2093% | 2,988 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 1,939 |
| Efficiency ratio | 63.6415% | 5,422 |
| Assets per employee ($millions) | 3.5459% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0746% | 2,236 |
| Loan loss allowance to noncurrent loans | 34.5612% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 4.9494% | 1,273 |
| Noncurrent loans to loans | 6.0026% | 1,051 |
| Net loans and leases to total assets | 74.9407% | 1,190 |
| Net loans and leases to deposits | 96.5029% | 659 |
| Net loans and leases to core deposits | 98.0272% | 1,523 |
| Total domestic deposits to total assets | 77.6564% | 6,421 |
| Equity capital to assets | 10.7026% | 2,989 |
| Core capital (leverage) ratio | 10.7673% | 2,386 |
| Tier 1 risk-based capital ratio | 14.2942% | 3,875 |
| Total risk-based capital ratio | 15.5157% | 3,858 |
| Memoranda: | ||
| Average total assets | $156,110,500 | 3,770 |
| Average earning assets | $146,760,000 | 3,704 |
| Average equity | $16,413,000 | 3,648 |
| Average total loans | $120,968,000 | 3,240 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1458% | 638 |
| Cost of funding earning assets | 1.8172% | 1,103 |
| Net interest margin | 4.3286% | 1,722 |
| Noninterest income to average assets | 0.6137% | 3,386 |
| Noninterest expense to average assets | 2.9074% | 4,197 |
| Loan and lease loss provision to assets | 1.1246% | 1,419 |
| Net operating income to assets | 0.6247% | 3,565 |
| Return on assets (ROA) | 0.6247% | 3,728 |
| Pretax return on assets | 0.6247% | 4,244 |
| Return on Equity (ROE) | 5.9856% | 3,615 |
| Retained earnings to average equity (ytd only) | 1.8844% | 4,542 |
| Net charge-offs to loans | 0.5565% | 3,393 |
| Credit loss provision to net charge-offs | 251.4368% | 1,125 |
| Earnings coverage of net charge-offs (x) | 3.9109% | 3,135 |
| Efficiency ratio | 62.4344% | 5,649 |
| Assets per employee ($millions) | 3.5501% | 4,824 |
| Cash dividends to net income (ytd only)* | 68.5185% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 2,224 |
| Loan loss allowance to noncurrent loans | 39.2863% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 4.3572% | 1,530 |
| Noncurrent loans to loans | 5.1682% | 1,286 |
| Net loans and leases to total assets | 76.8551% | 1,119 |
| Net loans and leases to deposits | 99.0994% | 633 |
| Net loans and leases to core deposits | 100.6531% | 1,563 |
| Total domestic deposits to total assets | 77.5536% | 6,389 |
| Equity capital to assets | 10.3250% | 3,358 |
| Core capital (leverage) ratio | 10.3497% | 2,720 |
| Tier 1 risk-based capital ratio | 13.4234% | 4,274 |
| Total risk-based capital ratio | 14.6286% | 4,267 |
| Memoranda: | ||
| Average total assets | $155,604,600 | 3,780 |
| Average earning assets | $145,334,600 | 3,723 |
| Average equity | $16,239,000 | 3,714 |
| Average total loans | $125,068,600 | 3,212 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0098% | 914 |
| Cost of funding earning assets | 1.8731% | 1,124 |
| Net interest margin | 4.1367% | 2,458 |
| Noninterest income to average assets | 0.5498% | 3,790 |
| Noninterest expense to average assets | 2.6725% | 4,994 |
| Loan and lease loss provision to assets | 0.4503% | 3,219 |
| Net operating income to assets | 1.2874% | 1,360 |
| Return on assets (ROA) | 1.2874% | 1,445 |
| Pretax return on assets | 1.2874% | 2,209 |
| Return on Equity (ROE) | 12.3029% | 1,424 |
| Retained earnings to average equity (ytd only) | 6.8441% | 1,926 |
| Net charge-offs to loans | 0.4508% | 3,497 |
| Credit loss provision to net charge-offs | 123.5294% | 3,317 |
| Earnings coverage of net charge-offs (x) | 4.7671% | 2,931 |
| Efficiency ratio | 60.5990% | 5,855 |
| Assets per employee ($millions) | 3.4759% | 5,038 |
| Cash dividends to net income (ytd only)* | 44.3706% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,444 |
| Loan loss allowance to noncurrent loans | 21.9205% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 4.7399% | 1,392 |
| Noncurrent loans to loans | 5.5209% | 1,200 |
| Net loans and leases to total assets | 80.0564% | 739 |
| Net loans and leases to deposits | 103.7560% | 442 |
| Net loans and leases to core deposits | 105.3783% | 1,371 |
| Total domestic deposits to total assets | 77.1583% | 6,448 |
| Equity capital to assets | 10.6492% | 3,349 |
| Core capital (leverage) ratio | 10.6498% | 2,550 |
| Tier 1 risk-based capital ratio | 13.3864% | 4,283 |
| Total risk-based capital ratio | 14.5654% | 4,309 |
| Memoranda: | ||
| Average total assets | $155,455,000 | 3,836 |
| Average earning assets | $145,070,250 | 3,765 |
| Average equity | $16,266,750 | 3,762 |
| Average total loans | $125,701,250 | 3,253 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0263% | 883 |
| Cost of funding earning assets | 1.9276% | 1,119 |
| Net interest margin | 4.0987% | 2,564 |
| Noninterest income to average assets | 0.5363% | 3,824 |
| Noninterest expense to average assets | 2.7563% | 4,677 |
| Loan and lease loss provision to assets | 0.4512% | 3,068 |
| Net operating income to assets | 1.1474% | 1,704 |
| Return on assets (ROA) | 1.1474% | 1,766 |
| Pretax return on assets | 1.1474% | 2,593 |
| Return on Equity (ROE) | 11.0308% | 1,743 |
| Retained earnings to average equity (ytd only) | 5.4162% | 2,667 |
| Net charge-offs to loans | 0.4834% | 3,090 |
| Credit loss provision to net charge-offs | 115.5116% | 3,512 |
| Earnings coverage of net charge-offs (x) | 4.0924% | 3,056 |
| Efficiency ratio | 63.2919% | 5,466 |
| Assets per employee ($millions) | 3.4523% | 5,034 |
| Cash dividends to net income (ytd only)* | 50.8989% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,516 |
| Loan loss allowance to noncurrent loans | 22.8549% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 4.6442% | 1,406 |
| Noncurrent loans to loans | 5.2027% | 1,313 |
| Net loans and leases to total assets | 79.2191% | 914 |
| Net loans and leases to deposits | 103.8495% | 494 |
| Net loans and leases to core deposits | 105.4928% | 1,495 |
| Total domestic deposits to total assets | 76.2826% | 6,633 |
| Equity capital to assets | 10.4658% | 3,458 |
| Core capital (leverage) ratio | 10.4581% | 2,660 |
| Tier 1 risk-based capital ratio | 12.7102% | 4,682 |
| Total risk-based capital ratio | 13.8445% | 4,745 |
| Memoranda: | ||
| Average total assets | $155,134,670 | 3,869 |
| Average earning assets | $144,533,330 | 3,808 |
| Average equity | $16,136,670 | 3,771 |
| Average total loans | $125,350,000 | 3,297 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0750% | 825 |
| Cost of funding earning assets | 1.9964% | 1,099 |
| Net interest margin | 4.0787% | 2,533 |
| Noninterest income to average assets | 0.5651% | 3,522 |
| Noninterest expense to average assets | 2.6009% | 5,358 |
| Loan and lease loss provision to assets | 0.4515% | 2,708 |
| Net operating income to assets | 1.3082% | 1,279 |
| Return on assets (ROA) | 1.3082% | 1,351 |
| Pretax return on assets | 1.3082% | 2,026 |
| Return on Equity (ROE) | 12.6155% | 1,348 |
| Retained earnings to average equity (ytd only) | 12.6155% | 670 |
| Net charge-offs to loans | 0.0859% | 4,563 |
| Credit loss provision to net charge-offs | 648.1481% | 674 |
| Earnings coverage of net charge-offs (x) | 25.2593% | 986 |
| Efficiency ratio | 59.6450% | 6,236 |
| Assets per employee ($millions) | 3.4688% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 5,174 |
| Loan loss allowance to noncurrent loans | 34.2424% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 3.4126% | 2,072 |
| Noncurrent loans to loans | 3.6687% | 2,169 |
| Net loans and leases to total assets | 79.6614% | 883 |
| Net loans and leases to deposits | 104.3468% | 507 |
| Net loans and leases to core deposits | 106.4313% | 1,541 |
| Total domestic deposits to total assets | 76.3429% | 6,695 |
| Equity capital to assets | 10.4608% | 3,283 |
| Core capital (leverage) ratio | 10.5797% | 2,551 |
| Tier 1 risk-based capital ratio | 12.6295% | 4,620 |
| Total risk-based capital ratio | 13.8530% | 4,601 |
| Memoranda: | ||
| Average total assets | $155,025,000 | 3,929 |
| Average earning assets | $144,263,000 | 3,866 |
| Average equity | $16,075,500 | 3,819 |
| Average total loans | $125,749,500 | 3,350 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5885% | 565 |
| Cost of funding earning assets | 2.1367% | 2,297 |
| Net interest margin | 4.4518% | 1,292 |
| Noninterest income to average assets | 0.6256% | 3,457 |
| Noninterest expense to average assets | 2.7896% | 5,018 |
| Loan and lease loss provision to assets | 0.2951% | 5,068 |
| Net operating income to assets | 1.6919% | 453 |
| Return on assets (ROA) | 1.6838% | 486 |
| Pretax return on assets | 1.6838% | 811 |
| Return on Equity (ROE) | 16.3974% | 518 |
| Retained earnings to average equity (ytd only) | 8.7374% | 535 |
| Net charge-offs to loans | 0.2426% | 5,104 |
| Credit loss provision to net charge-offs | 145.2145% | 3,274 |
| Earnings coverage of net charge-offs (x) | 9.7789% | 1,757 |
| Efficiency ratio | 58.4024% | 6,707 |
| Assets per employee ($millions) | 3.3468% | 5,384 |
| Cash dividends to net income (ytd only)* | 46.7145% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,679 |
| Loan loss allowance to noncurrent loans | 37.1599% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 2.9275% | 2,393 |
| Noncurrent loans to loans | 3.0732% | 2,495 |
| Net loans and leases to total assets | 80.6311% | 888 |
| Net loans and leases to deposits | 105.7468% | 566 |
| Net loans and leases to core deposits | 114.9336% | 2,419 |
| Total domestic deposits to total assets | 76.2492% | 6,631 |
| Equity capital to assets | 10.2772% | 3,429 |
| Core capital (leverage) ratio | 10.4071% | 2,683 |
| Tier 1 risk-based capital ratio | 12.2986% | 4,686 |
| Total risk-based capital ratio | 13.4132% | 4,770 |
| Memoranda: | ||
| Average total assets | $149,125,600 | 3,971 |
| Average earning assets | $139,046,000 | 3,924 |
| Average equity | $15,313,400 | 4,011 |
| Average total loans | $124,881,000 | 3,379 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6814% | 528 |
| Cost of funding earning assets | 2.1621% | 2,587 |
| Net interest margin | 4.5193% | 1,146 |
| Noninterest income to average assets | 0.6968% | 3,035 |
| Noninterest expense to average assets | 2.7267% | 5,207 |
| Loan and lease loss provision to assets | 0.2524% | 4,930 |
| Net operating income to assets | 1.9343% | 336 |
| Return on assets (ROA) | 1.9325% | 365 |
| Pretax return on assets | 1.9325% | 614 |
| Return on Equity (ROE) | 18.8236% | 374 |
| Retained earnings to average equity (ytd only) | 9.9386% | 646 |
| Net charge-offs to loans | 0.2566% | 4,449 |
| Credit loss provision to net charge-offs | 116.6667% | 4,354 |
| Earnings coverage of net charge-offs (x) | 10.1084% | 2,007 |
| Efficiency ratio | 55.4944% | 7,069 |
| Assets per employee ($millions) | 3.2706% | 5,466 |
| Cash dividends to net income (ytd only)* | 47.2014% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 5,890 |
| Loan loss allowance to noncurrent loans | 52.0436% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 2.4334% | 2,830 |
| Noncurrent loans to loans | 2.0589% | 3,551 |
| Net loans and leases to total assets | 82.0468% | 806 |
| Net loans and leases to deposits | 108.4141% | 532 |
| Net loans and leases to core deposits | 118.1747% | 2,397 |
| Total domestic deposits to total assets | 75.6791% | 6,645 |
| Equity capital to assets | 10.3797% | 3,642 |
| Core capital (leverage) ratio | 10.4621% | 2,821 |
| Tier 1 risk-based capital ratio | 12.2697% | 4,732 |
| Total risk-based capital ratio | 13.3202% | 4,848 |
| Memoranda: | ||
| Average total assets | $147,918,750 | 4,008 |
| Average earning assets | $138,010,750 | 3,966 |
| Average equity | $15,186,250 | 4,062 |
| Average total loans | $124,709,250 | 3,410 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7008% | 537 |
| Cost of funding earning assets | 2.1548% | 3,017 |
| Net interest margin | 4.5460% | 1,063 |
| Noninterest income to average assets | 0.7003% | 2,995 |
| Noninterest expense to average assets | 2.5402% | 5,984 |
| Loan and lease loss provision to assets | 0.2992% | 4,170 |
| Net operating income to assets | 2.0982% | 239 |
| Return on assets (ROA) | 2.0955% | 265 |
| Pretax return on assets | 2.0955% | 440 |
| Return on Equity (ROE) | 20.4879% | 304 |
| Retained earnings to average equity (ytd only) | 9.8252% | 769 |
| Net charge-offs to loans | 0.3641% | 3,362 |
| Credit loss provision to net charge-offs | 96.9163% | 4,708 |
| Earnings coverage of net charge-offs (x) | 7.7665% | 2,392 |
| Efficiency ratio | 51.4459% | 7,558 |
| Assets per employee ($millions) | 3.3006% | 5,320 |
| Cash dividends to net income (ytd only)* | 52.0441% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 6,001 |
| Loan loss allowance to noncurrent loans | 49.5772% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 2.4897% | 2,591 |
| Noncurrent loans to loans | 2.0827% | 3,410 |
| Net loans and leases to total assets | 83.2450% | 748 |
| Net loans and leases to deposits | 110.0154% | 549 |
| Net loans and leases to core deposits | 120.6579% | 2,307 |
| Total domestic deposits to total assets | 75.6667% | 6,624 |
| Equity capital to assets | 10.2499% | 3,670 |
| Core capital (leverage) ratio | 10.2399% | 3,053 |
| Tier 1 risk-based capital ratio | 12.3104% | 4,662 |
| Total risk-based capital ratio | 13.3535% | 4,749 |
| Memoranda: | ||
| Average total assets | $147,076,000 | 4,050 |
| Average earning assets | $137,087,670 | 4,006 |
| Average equity | $15,043,000 | 4,108 |
| Average total loans | $124,687,670 | 3,445 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8424% | 448 |
| Cost of funding earning assets | 2.1359% | 3,491 |
| Net interest margin | 4.7065% | 753 |
| Noninterest income to average assets | 0.7708% | 2,482 |
| Noninterest expense to average assets | 2.4243% | 6,114 |
| Loan and lease loss provision to assets | 0.1640% | 4,833 |
| Net operating income to assets | 2.5610% | 117 |
| Return on assets (ROA) | 2.5610% | 145 |
| Pretax return on assets | 2.5610% | 228 |
| Return on Equity (ROE) | 25.0660% | 184 |
| Retained earnings to average equity (ytd only) | 25.0660% | 80 |
| Net charge-offs to loans | 0.0931% | 4,246 |
| Credit loss provision to net charge-offs | 206.8966% | 2,159 |
| Earnings coverage of net charge-offs (x) | 34.3793% | 960 |
| Efficiency ratio | 47.0807% | 7,786 |
| Assets per employee ($millions) | 3.2806% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 5,723 |
| Loan loss allowance to noncurrent loans | 28.0405% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 3.8245% | 1,377 |
| Noncurrent loans to loans | 3.7944% | 1,624 |
| Net loans and leases to total assets | 83.6492% | 742 |
| Net loans and leases to deposits | 111.1413% | 561 |
| Net loans and leases to core deposits | 121.7206% | 2,279 |
| Total domestic deposits to total assets | 75.2638% | 6,658 |
| Equity capital to assets | 10.4460% | 3,514 |
| Core capital (leverage) ratio | 10.5534% | 2,867 |
| Tier 1 risk-based capital ratio | 12.6872% | 4,403 |
| Total risk-based capital ratio | 13.7797% | 4,447 |
| Memoranda: | ||
| Average total assets | $146,349,500 | 4,071 |
| Average earning assets | $136,151,500 | 4,036 |
| Average equity | $14,952,500 | 4,154 |
| Average total loans | $124,565,000 | 3,472 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9775% | 1,196 |
| Cost of funding earning assets | 2.3799% | 4,815 |
| Net interest margin | 4.5977% | 1,184 |
| Noninterest income to average assets | 0.5535% | 4,201 |
| Noninterest expense to average assets | 2.7545% | 5,030 |
| Loan and lease loss provision to assets | 0.2350% | 4,546 |
| Net operating income to assets | 1.8375% | 509 |
| Return on assets (ROA) | 1.8368% | 493 |
| Pretax return on assets | 1.8368% | 873 |
| Return on Equity (ROE) | 18.4812% | 491 |
| Retained earnings to average equity (ytd only) | 3.5321% | 2,940 |
| Net charge-offs to loans | 0.1444% | 4,767 |
| Credit loss provision to net charge-offs | 197.6744% | 2,472 |
| Earnings coverage of net charge-offs (x) | 17.4360% | 1,771 |
| Efficiency ratio | 57.0651% | 6,861 |
| Assets per employee ($millions) | 3.2238% | 5,416 |
| Cash dividends to net income (ytd only)* | 80.8879% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 5,682 |
| Loan loss allowance to noncurrent loans | 31.7037% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 3.2715% | 1,382 |
| Noncurrent loans to loans | 3.2909% | 1,581 |
| Net loans and leases to total assets | 84.7966% | 760 |
| Net loans and leases to deposits | 113.4257% | 643 |
| Net loans and leases to core deposits | 122.9850% | 2,399 |
| Total domestic deposits to total assets | 74.7596% | 6,505 |
| Equity capital to assets | 9.9839% | 4,055 |
| Core capital (leverage) ratio | 10.1147% | 3,347 |
| Tier 1 risk-based capital ratio | 12.1611% | 4,703 |
| Total risk-based capital ratio | 13.2501% | 4,709 |
| Memoranda: | ||
| Average total assets | $144,707,600 | 3,995 |
| Average earning assets | $134,502,800 | 3,963 |
| Average equity | $14,382,200 | 4,256 |
| Average total loans | $119,131,800 | 3,486 |