Home > Wayne County Bank > Performance and Condition Ratios
Wayne County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5180% | 343 |
| Cost of funding earning assets | 2.3294% | 519 |
| Net interest margin | 4.1886% | 952 |
| Noninterest income to average assets | 1.6600% | 334 |
| Noninterest expense to average assets | 2.5891% | 2,036 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.9594% | 494 |
| Return on assets (ROA) | 1.9175% | 498 |
| Pretax return on assets | 2.5362% | 325 |
| Return on Equity (ROE) | 15.5600% | 1,184 |
| Retained earnings to average equity (ytd only) | 11.9055% | 644 |
| Net charge-offs to loans | 0.0518% | 1,350 |
| Credit loss provision to net charge-offs | 550.3145% | 629 |
| Earnings coverage of net charge-offs (x) | 77.8805% | 1,039 |
| Efficiency ratio | 48.1666% | 4,081 |
| Assets per employee ($millions) | 5.2734% | 3,414 |
| Cash dividends to net income (ytd only)* | 23.4687% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 1,710 |
| Loan loss allowance to noncurrent loans | 110.7440% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 599 |
| Noncurrent loans to loans | 1.1850% | 601 |
| Net loans and leases to total assets | 70.3600% | 1,768 |
| Net loans and leases to deposits | 81.3163% | 2,005 |
| Net loans and leases to core deposits | 110.7123% | 931 |
| Total domestic deposits to total assets | 86.5200% | 1,850 |
| Equity capital to assets | 12.5281% | 986 |
| Core capital (leverage) ratio | 13.3752% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $444,443,800 | 1,879 |
| Average earning assets | $394,137,200 | 1,931 |
| Average equity | $54,781,400 | 1,494 |
| Average total loans | $306,657,200 | 1,766 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3206% | 363 |
| Cost of funding earning assets | 2.2029% | 496 |
| Net interest margin | 4.1177% | 1,038 |
| Noninterest income to average assets | 1.9200% | 293 |
| Noninterest expense to average assets | 2.5159% | 2,180 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 2.0826% | 444 |
| Return on assets (ROA) | 2.0802% | 442 |
| Pretax return on assets | 2.7936% | 283 |
| Return on Equity (ROE) | 16.9500% | 1,084 |
| Retained earnings to average equity (ytd only) | 14.9675% | 559 |
| Net charge-offs to loans | 0.0730% | 965 |
| Credit loss provision to net charge-offs | 533.5366% | 606 |
| Earnings coverage of net charge-offs (x) | 61.3841% | 1,192 |
| Efficiency ratio | 45.0971% | 4,185 |
| Assets per employee ($millions) | 5.1780% | 3,455 |
| Cash dividends to net income (ytd only)* | 11.7010% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 1,619 |
| Loan loss allowance to noncurrent loans | 112.6348% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 643 |
| Noncurrent loans to loans | 1.2077% | 646 |
| Net loans and leases to total assets | 69.8000% | 1,852 |
| Net loans and leases to deposits | 80.4868% | 2,005 |
| Net loans and leases to core deposits | 110.5259% | 855 |
| Total domestic deposits to total assets | 86.7200% | 1,973 |
| Equity capital to assets | 12.2839% | 971 |
| Core capital (leverage) ratio | 13.6000% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $438,222,250 | 1,893 |
| Average earning assets | $389,299,250 | 1,952 |
| Average equity | $53,777,250 | 1,511 |
| Average total loans | $299,672,500 | 1,792 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1164% | 390 |
| Cost of funding earning assets | 2.0065% | 488 |
| Net interest margin | 4.1099% | 1,071 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.3547% | 2,643 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.2881% | 1,598 |
| Return on assets (ROA) | 1.2844% | 1,598 |
| Pretax return on assets | 1.7164% | 1,175 |
| Return on Equity (ROE) | 10.4700% | 2,567 |
| Retained earnings to average equity (ytd only) | 7.4540% | 2,144 |
| Net charge-offs to loans | 0.1157% | 621 |
| Credit loss provision to net charge-offs | 221.8935% | 1,004 |
| Earnings coverage of net charge-offs (x) | 24.2367% | 1,655 |
| Efficiency ratio | 55.4153% | 3,488 |
| Assets per employee ($millions) | 5.1275% | 3,481 |
| Cash dividends to net income (ytd only)* | 28.8081% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,174 |
| Loan loss allowance to noncurrent loans | 99.8713% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 579 |
| Noncurrent loans to loans | 1.2510% | 567 |
| Net loans and leases to total assets | 67.9800% | 1,960 |
| Net loans and leases to deposits | 78.0101% | 2,131 |
| Net loans and leases to core deposits | 106.9310% | 951 |
| Total domestic deposits to total assets | 87.1400% | 1,884 |
| Equity capital to assets | 11.8828% | 1,080 |
| Core capital (leverage) ratio | 13.1014% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $432,407,000 | 1,913 |
| Average earning assets | $383,362,333 | 1,966 |
| Average equity | $53,045,000 | 1,524 |
| Average total loans | $292,090,000 | 1,814 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 421 |
| Cost of funding earning assets | 1.7342% | 516 |
| Net interest margin | 4.0603% | 1,161 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.3839% | 2,575 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.2463% | 1,803 |
| Return on assets (ROA) | 1.2463% | 1,779 |
| Pretax return on assets | 1.6643% | 1,350 |
| Return on Equity (ROE) | 9.9900% | 2,790 |
| Retained earnings to average equity (ytd only) | 9.9926% | 1,699 |
| Net charge-offs to loans | 0.1160% | 543 |
| Credit loss provision to net charge-offs | 243.9024% | 756 |
| Earnings coverage of net charge-offs (x) | 23.9024% | 1,397 |
| Efficiency ratio | 56.2598% | 3,380 |
| Assets per employee ($millions) | 5.1905% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,073 |
| Loan loss allowance to noncurrent loans | 93.4006% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 454 |
| Noncurrent loans to loans | 1.3822% | 479 |
| Net loans and leases to total assets | 65.7400% | 2,084 |
| Net loans and leases to deposits | 75.8519% | 2,135 |
| Net loans and leases to core deposits | 90.4162% | 1,593 |
| Total domestic deposits to total assets | 86.6600% | 2,386 |
| Equity capital to assets | 12.1335% | 961 |
| Core capital (leverage) ratio | 13.3857% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $423,002,000 | 1,967 |
| Average earning assets | $376,429,500 | 2,012 |
| Average equity | $52,759,000 | 1,545 |
| Average total loans | $282,825,000 | 1,871 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 326 |
| Cost of funding earning assets | 0.7751% | 428 |
| Net interest margin | 4.1776% | 568 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.3783% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2609% | 1,562 |
| Return on assets (ROA) | 1.2417% | 1,576 |
| Pretax return on assets | 1.6269% | 1,089 |
| Return on Equity (ROE) | 9.6100% | 2,939 |
| Retained earnings to average equity (ytd only) | 6.1501% | 2,588 |
| Net charge-offs to loans | -0.0821% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.0211% | 3,187 |
| Assets per employee ($millions) | 5.1242% | 3,575 |
| Cash dividends to net income (ytd only)* | 36.0072% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,673 |
| Loan loss allowance to noncurrent loans | 86.7564% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 364 |
| Noncurrent loans to loans | 1.5583% | 413 |
| Net loans and leases to total assets | 66.2400% | 2,011 |
| Net loans and leases to deposits | 77.1002% | 2,028 |
| Net loans and leases to core deposits | 85.8215% | 1,765 |
| Total domestic deposits to total assets | 85.9200% | 2,753 |
| Equity capital to assets | 12.8420% | 730 |
| Core capital (leverage) ratio | 13.5634% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $402,604,200 | 2,022 |
| Average earning assets | $331,840,800 | 2,190 |
| Average equity | $52,015,000 | 1,566 |
| Average total loans | $249,613,800 | 1,945 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 310 |
| Cost of funding earning assets | 0.6117% | 411 |
| Net interest margin | 4.1449% | 472 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.2935% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2257% | 1,607 |
| Return on assets (ROA) | 1.2257% | 1,577 |
| Pretax return on assets | 1.6744% | 954 |
| Return on Equity (ROE) | 9.4700% | 2,884 |
| Retained earnings to average equity (ytd only) | 7.9349% | 2,025 |
| Net charge-offs to loans | -0.1278% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.8019% | 3,406 |
| Assets per employee ($millions) | 5.1214% | 3,570 |
| Cash dividends to net income (ytd only)* | 16.2338% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,466 |
| Loan loss allowance to noncurrent loans | 102.2922% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9659% | 469 |
| Noncurrent loans to loans | 1.4123% | 505 |
| Net loans and leases to total assets | 62.4600% | 2,237 |
| Net loans and leases to deposits | 72.5654% | 2,164 |
| Net loans and leases to core deposits | 80.5441% | 1,865 |
| Total domestic deposits to total assets | 86.0700% | 3,055 |
| Equity capital to assets | 12.6518% | 740 |
| Core capital (leverage) ratio | 13.6539% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $402,052,000 | 2,038 |
| Average earning assets | $326,081,750 | 2,223 |
| Average equity | $52,022,250 | 1,592 |
| Average total loans | $244,057,750 | 1,976 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 302 |
| Cost of funding earning assets | 0.5528% | 384 |
| Net interest margin | 4.0562% | 438 |
| Noninterest income to average assets | 0.6306% | 1,616 |
| Noninterest expense to average assets | 2.2412% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1436% | 1,621 |
| Return on assets (ROA) | 1.1436% | 1,600 |
| Pretax return on assets | 1.5937% | 952 |
| Return on Equity (ROE) | 8.7724% | 2,766 |
| Retained earnings to average equity (ytd only) | 6.4780% | 2,181 |
| Net charge-offs to loans | -0.0725% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4427% | 3,496 |
| Assets per employee ($millions) | 5.1539% | 3,542 |
| Cash dividends to net income (ytd only)* | 26.1552% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,622 |
| Loan loss allowance to noncurrent loans | 96.7628% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9883% | 479 |
| Noncurrent loans to loans | 1.4815% | 499 |
| Net loans and leases to total assets | 60.0678% | 2,321 |
| Net loans and leases to deposits | 69.7760% | 2,230 |
| Net loans and leases to core deposits | 77.7082% | 1,876 |
| Total domestic deposits to total assets | 86.0867% | 3,224 |
| Equity capital to assets | 12.6342% | 735 |
| Core capital (leverage) ratio | 13.2644% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,206,000 | 2,047 |
| Average earning assets | $316,943,000 | 2,291 |
| Average equity | $52,300,333 | 1,626 |
| Average total loans | $239,945,333 | 1,995 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 245 |
| Cost of funding earning assets | 0.5550% | 357 |
| Net interest margin | 4.0651% | 361 |
| Noninterest income to average assets | 0.5344% | 1,975 |
| Noninterest expense to average assets | 2.2680% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0155% | 1,810 |
| Return on assets (ROA) | 1.0155% | 1,805 |
| Pretax return on assets | 1.3781% | 1,302 |
| Return on Equity (ROE) | 7.6693% | 2,819 |
| Retained earnings to average equity (ytd only) | 7.6693% | 1,685 |
| Net charge-offs to loans | -0.0560% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2039% | 3,238 |
| Assets per employee ($millions) | 5.2282% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,710 |
| Loan loss allowance to noncurrent loans | 87.3784% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 433 |
| Noncurrent loans to loans | 1.6598% | 476 |
| Net loans and leases to total assets | 59.1271% | 2,175 |
| Net loans and leases to deposits | 68.9778% | 2,054 |
| Net loans and leases to core deposits | 76.8244% | 1,718 |
| Total domestic deposits to total assets | 85.7190% | 3,338 |
| Equity capital to assets | 12.9689% | 692 |
| Core capital (leverage) ratio | 13.3807% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,230,000 | 2,061 |
| Average earning assets | $304,840,500 | 2,365 |
| Average equity | $52,730,000 | 1,656 |
| Average total loans | $235,854,000 | 2,011 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0915% | 237 |
| Cost of funding earning assets | 0.6927% | 336 |
| Net interest margin | 4.3988% | 336 |
| Noninterest income to average assets | 0.9627% | 1,069 |
| Noninterest expense to average assets | 2.5688% | 1,959 |
| Loan and lease loss provision to assets | 0.0803% | 1,527 |
| Net operating income to assets | 1.3027% | 1,589 |
| Return on assets (ROA) | 1.3027% | 1,630 |
| Pretax return on assets | 1.6974% | 1,154 |
| Return on Equity (ROE) | 9.4474% | 2,740 |
| Retained earnings to average equity (ytd only) | 6.7287% | 2,030 |
| Net charge-offs to loans | 0.1562% | 617 |
| Credit loss provision to net charge-offs | 81.7439% | 1,943 |
| Earnings coverage of net charge-offs (x) | 18.0899% | 1,918 |
| Efficiency ratio | 59.0993% | 3,285 |
| Assets per employee ($millions) | 5.1155% | 3,631 |
| Cash dividends to net income (ytd only)* | 28.7770% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,525 |
| Loan loss allowance to noncurrent loans | 88.6561% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 468 |
| Noncurrent loans to loans | 1.7004% | 503 |
| Net loans and leases to total assets | 57.5559% | 2,418 |
| Net loans and leases to deposits | 67.6253% | 2,340 |
| Net loans and leases to core deposits | 76.0195% | 1,920 |
| Total domestic deposits to total assets | 85.1101% | 3,237 |
| Equity capital to assets | 13.5193% | 760 |
| Core capital (leverage) ratio | 13.3506% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,443,400 | 2,096 |
| Average earning assets | $287,280,000 | 2,395 |
| Average equity | $51,495,600 | 1,718 |
| Average total loans | $235,011,400 | 2,019 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 224 |
| Cost of funding earning assets | 0.7253% | 339 |
| Net interest margin | 4.4739% | 329 |
| Noninterest income to average assets | 0.4137% | 3,011 |
| Noninterest expense to average assets | 2.5346% | 2,019 |
| Loan and lease loss provision to assets | 0.0361% | 2,273 |
| Net operating income to assets | 1.0002% | 2,908 |
| Return on assets (ROA) | 1.0002% | 2,970 |
| Pretax return on assets | 1.2970% | 2,632 |
| Return on Equity (ROE) | 7.2153% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.1708% | 2,754 |
| Net charge-offs to loans | 0.1563% | 536 |
| Credit loss provision to net charge-offs | 36.1011% | 1,936 |
| Earnings coverage of net charge-offs (x) | 13.2960% | 1,926 |
| Efficiency ratio | 65.5311% | 2,170 |
| Assets per employee ($millions) | 5.0307% | 3,670 |
| Cash dividends to net income (ytd only)* | 14.4770% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,938 |
| Loan loss allowance to noncurrent loans | 74.2377% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2977% | 439 |
| Noncurrent loans to loans | 1.9134% | 473 |
| Net loans and leases to total assets | 60.1971% | 2,230 |
| Net loans and leases to deposits | 70.8400% | 2,160 |
| Net loans and leases to core deposits | 79.0480% | 1,818 |
| Total domestic deposits to total assets | 84.9761% | 3,119 |
| Equity capital to assets | 13.4674% | 862 |
| Core capital (leverage) ratio | 13.6570% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,331,750 | 2,133 |
| Average earning assets | $284,371,000 | 2,432 |
| Average equity | $51,056,750 | 1,749 |
| Average total loans | $236,220,000 | 2,053 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 184 |
| Cost of funding earning assets | 0.7669% | 339 |
| Net interest margin | 4.6845% | 273 |
| Noninterest income to average assets | 0.3647% | 3,278 |
| Noninterest expense to average assets | 2.6233% | 1,799 |
| Loan and lease loss provision to assets | 0.0553% | 1,927 |
| Net operating income to assets | 0.9978% | 2,887 |
| Return on assets (ROA) | 0.9978% | 2,969 |
| Pretax return on assets | 1.2940% | 2,647 |
| Return on Equity (ROE) | 7.1262% | 3,626 |
| Retained earnings to average equity (ytd only) | 5.5478% | 2,980 |
| Net charge-offs to loans | 0.2355% | 372 |
| Credit loss provision to net charge-offs | 35.9712% | 1,678 |
| Earnings coverage of net charge-offs (x) | 8.7842% | 1,862 |
| Efficiency ratio | 66.0362% | 2,149 |
| Assets per employee ($millions) | 4.8227% | 3,816 |
| Cash dividends to net income (ytd only)* | 22.1484% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,951 |
| Loan loss allowance to noncurrent loans | 59.6096% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6995% | 295 |
| Noncurrent loans to loans | 2.3596% | 370 |
| Net loans and leases to total assets | 63.4061% | 2,025 |
| Net loans and leases to deposits | 75.0245% | 1,909 |
| Net loans and leases to core deposits | 84.0386% | 1,554 |
| Total domestic deposits to total assets | 84.5139% | 3,279 |
| Equity capital to assets | 13.8340% | 750 |
| Core capital (leverage) ratio | 13.6909% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,987,667 | 2,150 |
| Average earning assets | $278,794,333 | 2,453 |
| Average equity | $50,686,333 | 1,752 |
| Average total loans | $236,112,667 | 2,056 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 305 |
| Cost of funding earning assets | 0.8061% | 339 |
| Net interest margin | 4.3072% | 511 |
| Noninterest income to average assets | 0.5429% | 2,428 |
| Noninterest expense to average assets | 2.6196% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9236% | 3,068 |
| Return on assets (ROA) | 0.9236% | 3,142 |
| Pretax return on assets | 1.2314% | 2,758 |
| Return on Equity (ROE) | 6.5550% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.5550% | 2,710 |
| Net charge-offs to loans | 0.0187% | 1,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 616 |
| Efficiency ratio | 68.0233% | 1,930 |
| Assets per employee ($millions) | 4.7266% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,543 |
| Loan loss allowance to noncurrent loans | 52.7213% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 2.5226% | 160 |
| Noncurrent loans to loans | 2.8781% | 281 |
| Net loans and leases to total assets | 62.8790% | 2,186 |
| Net loans and leases to deposits | 74.5681% | 2,060 |
| Net loans and leases to core deposits | 83.6081% | 1,708 |
| Total domestic deposits to total assets | 84.3242% | 3,334 |
| Equity capital to assets | 13.9222% | 685 |
| Core capital (leverage) ratio | 14.0362% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,308,500 | 2,149 |
| Average earning assets | $274,424,000 | 2,463 |
| Average equity | $50,343,500 | 1,753 |
| Average total loans | $234,761,500 | 2,068 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6725% | 142 |
| Cost of funding earning assets | 1.0850% | 428 |
| Net interest margin | 4.5875% | 270 |
| Noninterest income to average assets | 0.4626% | 2,805 |
| Noninterest expense to average assets | 2.6745% | 2,312 |
| Loan and lease loss provision to assets | 0.1424% | 2,576 |
| Net operating income to assets | 1.0551% | 2,085 |
| Return on assets (ROA) | 1.0551% | 2,223 |
| Pretax return on assets | 1.3663% | 1,765 |
| Return on Equity (ROE) | 7.2174% | 3,113 |
| Retained earnings to average equity (ytd only) | 5.1664% | 2,205 |
| Net charge-offs to loans | 0.3374% | 522 |
| Credit loss provision to net charge-offs | 60.2792% | 3,084 |
| Earnings coverage of net charge-offs (x) | 6.3858% | 2,786 |
| Efficiency ratio | 63.9335% | 2,834 |
| Assets per employee ($millions) | 4.5541% | 3,866 |
| Cash dividends to net income (ytd only)* | 28.4172% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 1,613 |
| Loan loss allowance to noncurrent loans | 41.6608% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 3.1876% | 101 |
| Noncurrent loans to loans | 3.5800% | 188 |
| Net loans and leases to total assets | 66.6193% | 2,005 |
| Net loans and leases to deposits | 79.3748% | 1,938 |
| Net loans and leases to core deposits | 89.7183% | 1,548 |
| Total domestic deposits to total assets | 83.9301% | 3,136 |
| Equity capital to assets | 14.2634% | 739 |
| Core capital (leverage) ratio | 14.1426% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,524,600 | 2,122 |
| Average earning assets | $270,496,600 | 2,336 |
| Average equity | $48,757,400 | 1,734 |
| Average total loans | $233,574,600 | 2,010 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 134 |
| Cost of funding earning assets | 1.1318% | 471 |
| Net interest margin | 4.7296% | 238 |
| Noninterest income to average assets | 0.4406% | 2,884 |
| Noninterest expense to average assets | 2.6918% | 2,288 |
| Loan and lease loss provision to assets | 0.1923% | 2,063 |
| Net operating income to assets | 1.0950% | 1,999 |
| Return on assets (ROA) | 1.0966% | 2,122 |
| Pretax return on assets | 1.4255% | 1,652 |
| Return on Equity (ROE) | 7.4533% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.3524% | 1,944 |
| Net charge-offs to loans | 0.0991% | 1,318 |
| Credit loss provision to net charge-offs | 274.5665% | 1,844 |
| Earnings coverage of net charge-offs (x) | 23.0636% | 1,812 |
| Efficiency ratio | 62.4894% | 2,994 |
| Assets per employee ($millions) | 4.4770% | 3,872 |
| Cash dividends to net income (ytd only)* | 14.7710% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 909 |
| Loan loss allowance to noncurrent loans | 48.1950% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 3.3365% | 116 |
| Noncurrent loans to loans | 3.5114% | 229 |
| Net loans and leases to total assets | 69.9657% | 1,953 |
| Net loans and leases to deposits | 83.7235% | 1,936 |
| Net loans and leases to core deposits | 95.7883% | 1,470 |
| Total domestic deposits to total assets | 83.5675% | 2,965 |
| Equity capital to assets | 14.4306% | 751 |
| Core capital (leverage) ratio | 14.3588% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,239,000 | 2,120 |
| Average earning assets | $269,190,500 | 2,333 |
| Average equity | $48,442,500 | 1,738 |
| Average total loans | $232,681,000 | 2,022 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0638% | 137 |
| Cost of funding earning assets | 1.2030% | 500 |
| Net interest margin | 4.8609% | 256 |
| Noninterest income to average assets | 0.4221% | 2,959 |
| Noninterest expense to average assets | 2.7210% | 2,318 |
| Loan and lease loss provision to assets | 0.0926% | 3,111 |
| Net operating income to assets | 1.2138% | 1,604 |
| Return on assets (ROA) | 1.2133% | 1,724 |
| Pretax return on assets | 1.5830% | 1,266 |
| Return on Equity (ROE) | 8.1904% | 2,670 |
| Retained earnings to average equity (ytd only) | 6.5240% | 1,851 |
| Net charge-offs to loans | 0.1086% | 1,208 |
| Credit loss provision to net charge-offs | 120.9677% | 2,274 |
| Earnings coverage of net charge-offs (x) | 21.9032% | 1,641 |
| Efficiency ratio | 61.8807% | 3,147 |
| Assets per employee ($millions) | 4.3820% | 3,923 |
| Cash dividends to net income (ytd only)* | 20.3459% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,025 |
| Loan loss allowance to noncurrent loans | 46.1758% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 3.4133% | 118 |
| Noncurrent loans to loans | 3.4489% | 235 |
| Net loans and leases to total assets | 70.9832% | 1,876 |
| Net loans and leases to deposits | 85.5151% | 1,826 |
| Net loans and leases to core deposits | 97.8986% | 1,418 |
| Total domestic deposits to total assets | 83.0067% | 3,082 |
| Equity capital to assets | 14.5160% | 735 |
| Core capital (leverage) ratio | 14.4594% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,074,667 | 2,124 |
| Average earning assets | $265,014,000 | 2,335 |
| Average equity | $48,007,667 | 1,738 |
| Average total loans | $228,459,333 | 2,023 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8788% | 192 |
| Cost of funding earning assets | 1.3250% | 525 |
| Net interest margin | 4.5538% | 445 |
| Noninterest income to average assets | 0.6452% | 1,846 |
| Noninterest expense to average assets | 2.7372% | 2,608 |
| Loan and lease loss provision to assets | 0.1260% | 2,129 |
| Net operating income to assets | 1.1390% | 1,722 |
| Return on assets (ROA) | 1.1380% | 1,834 |
| Pretax return on assets | 1.4795% | 1,355 |
| Return on Equity (ROE) | 7.6007% | 2,685 |
| Retained earnings to average equity (ytd only) | 7.6007% | 1,348 |
| Net charge-offs to loans | 0.1032% | 1,059 |
| Credit loss provision to net charge-offs | 175.4386% | 1,487 |
| Earnings coverage of net charge-offs (x) | 22.3684% | 1,360 |
| Efficiency ratio | 63.0113% | 3,369 |
| Assets per employee ($millions) | 4.1459% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 750 |
| Loan loss allowance to noncurrent loans | 46.2626% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.7374% | 114 |
| Noncurrent loans to loans | 3.8313% | 215 |
| Net loans and leases to total assets | 67.5826% | 2,602 |
| Net loans and leases to deposits | 81.9989% | 2,455 |
| Net loans and leases to core deposits | 94.8239% | 1,899 |
| Total domestic deposits to total assets | 82.4190% | 3,288 |
| Equity capital to assets | 15.0538% | 746 |
| Core capital (leverage) ratio | 15.0524% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,404,500 | 2,110 |
| Average earning assets | $257,806,000 | 2,335 |
| Average equity | $47,522,000 | 1,743 |
| Average total loans | $220,997,000 | 2,044 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9393% | 248 |
| Cost of funding earning assets | 1.4869% | 414 |
| Net interest margin | 4.4524% | 796 |
| Noninterest income to average assets | 0.5349% | 2,555 |
| Noninterest expense to average assets | 2.8439% | 2,465 |
| Loan and lease loss provision to assets | 0.1268% | 1,679 |
| Net operating income to assets | 0.9067% | 3,183 |
| Return on assets (ROA) | 0.9079% | 3,268 |
| Pretax return on assets | 1.2762% | 2,590 |
| Return on Equity (ROE) | 6.2306% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.0559% | 2,936 |
| Net charge-offs to loans | 0.3379% | 608 |
| Credit loss provision to net charge-offs | 51.8807% | 3,111 |
| Earnings coverage of net charge-offs (x) | 5.7354% | 3,048 |
| Efficiency ratio | 66.9901% | 2,621 |
| Assets per employee ($millions) | 4.0984% | 3,776 |
| Cash dividends to net income (ytd only)* | 34.9040% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 745 |
| Loan loss allowance to noncurrent loans | 46.9112% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 3.8210% | 109 |
| Noncurrent loans to loans | 3.6910% | 213 |
| Net loans and leases to total assets | 69.2401% | 2,512 |
| Net loans and leases to deposits | 83.9047% | 2,346 |
| Net loans and leases to core deposits | 97.2560% | 1,796 |
| Total domestic deposits to total assets | 82.5223% | 3,352 |
| Equity capital to assets | 14.8894% | 822 |
| Core capital (leverage) ratio | 14.8401% | 720 |
| Tier 1 risk-based capital ratio | 18.8604% | 1,553 |
| Total risk-based capital ratio | 20.1142% | 1,520 |
| Memoranda: | ||
| Average total assets | $315,551,000 | 2,068 |
| Average earning assets | $262,959,000 | 2,256 |
| Average equity | $45,982,600 | 1,724 |
| Average total loans | $228,161,000 | 1,970 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8742% | 308 |
| Cost of funding earning assets | 1.4958% | 412 |
| Net interest margin | 4.3784% | 993 |
| Noninterest income to average assets | 0.5759% | 2,330 |
| Noninterest expense to average assets | 2.8690% | 2,348 |
| Loan and lease loss provision to assets | 0.1268% | 1,526 |
| Net operating income to assets | 0.9127% | 3,302 |
| Return on assets (ROA) | 0.9144% | 3,374 |
| Pretax return on assets | 1.2469% | 2,826 |
| Return on Equity (ROE) | 6.3091% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.1429% | 2,821 |
| Net charge-offs to loans | 0.2567% | 688 |
| Credit loss provision to net charge-offs | 67.8733% | 2,641 |
| Earnings coverage of net charge-offs (x) | 7.3439% | 2,751 |
| Efficiency ratio | 67.6564% | 2,475 |
| Assets per employee ($millions) | 4.0820% | 3,789 |
| Cash dividends to net income (ytd only)* | 18.4843% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 657 |
| Loan loss allowance to noncurrent loans | 38.9403% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 4.6253% | 87 |
| Noncurrent loans to loans | 4.6658% | 119 |
| Net loans and leases to total assets | 70.1288% | 2,449 |
| Net loans and leases to deposits | 85.2115% | 2,299 |
| Net loans and leases to core deposits | 98.8085% | 1,761 |
| Total domestic deposits to total assets | 82.2997% | 3,386 |
| Equity capital to assets | 14.9375% | 860 |
| Core capital (leverage) ratio | 14.8372% | 774 |
| Tier 1 risk-based capital ratio | 18.7290% | 1,630 |
| Total risk-based capital ratio | 19.9835% | 1,596 |
| Memoranda: | ||
| Average total assets | $315,545,500 | 2,077 |
| Average earning assets | $264,108,000 | 2,264 |
| Average equity | $45,731,500 | 1,732 |
| Average total loans | $229,613,000 | 1,975 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8375% | 319 |
| Cost of funding earning assets | 1.4836% | 401 |
| Net interest margin | 4.3538% | 1,030 |
| Noninterest income to average assets | 0.7007% | 1,712 |
| Noninterest expense to average assets | 2.9270% | 2,204 |
| Loan and lease loss provision to assets | 0.1266% | 1,471 |
| Net operating income to assets | 0.9711% | 3,025 |
| Return on assets (ROA) | 0.9736% | 3,082 |
| Pretax return on assets | 1.3135% | 2,509 |
| Return on Equity (ROE) | 6.7865% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.0215% | 2,763 |
| Net charge-offs to loans | 0.2663% | 628 |
| Credit loss provision to net charge-offs | 64.9351% | 2,364 |
| Earnings coverage of net charge-offs (x) | 7.3701% | 2,495 |
| Efficiency ratio | 67.0728% | 2,674 |
| Assets per employee ($millions) | 3.9510% | 3,936 |
| Cash dividends to net income (ytd only)* | 26.0078% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 693 |
| Loan loss allowance to noncurrent loans | 38.0587% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 5.0243% | 77 |
| Noncurrent loans to loans | 4.7041% | 119 |
| Net loans and leases to total assets | 71.3817% | 2,311 |
| Net loans and leases to deposits | 86.4460% | 2,210 |
| Net loans and leases to core deposits | 100.0825% | 1,717 |
| Total domestic deposits to total assets | 82.5738% | 3,346 |
| Equity capital to assets | 14.6216% | 915 |
| Core capital (leverage) ratio | 14.5489% | 813 |
| Tier 1 risk-based capital ratio | 17.9664% | 1,817 |
| Total risk-based capital ratio | 19.2207% | 1,769 |
| Memoranda: | ||
| Average total assets | $315,955,330 | 2,077 |
| Average earning assets | $265,834,000 | 2,262 |
| Average equity | $45,325,000 | 1,739 |
| Average total loans | $231,315,670 | 1,968 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7809% | 321 |
| Cost of funding earning assets | 1.4509% | 385 |
| Net interest margin | 4.3300% | 1,045 |
| Noninterest income to average assets | 0.5154% | 2,466 |
| Noninterest expense to average assets | 3.3670% | 1,165 |
| Loan and lease loss provision to assets | 0.0633% | 2,396 |
| Net operating income to assets | 0.5002% | 4,520 |
| Return on assets (ROA) | 0.5052% | 4,527 |
| Pretax return on assets | 0.7382% | 4,199 |
| Return on Equity (ROE) | 3.5562% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.5562% | 3,490 |
| Net charge-offs to loans | 0.2499% | 581 |
| Credit loss provision to net charge-offs | 34.4828% | 2,064 |
| Earnings coverage of net charge-offs (x) | 4.3310% | 2,331 |
| Efficiency ratio | 80.8944% | 975 |
| Assets per employee ($millions) | 3.8559% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 729 |
| Loan loss allowance to noncurrent loans | 38.2888% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 5.0613% | 66 |
| Noncurrent loans to loans | 4.6594% | 138 |
| Net loans and leases to total assets | 70.9748% | 2,330 |
| Net loans and leases to deposits | 85.5938% | 2,179 |
| Net loans and leases to core deposits | 99.2767% | 1,686 |
| Total domestic deposits to total assets | 82.9205% | 3,409 |
| Equity capital to assets | 14.1330% | 993 |
| Core capital (leverage) ratio | 14.3510% | 854 |
| Tier 1 risk-based capital ratio | 17.8302% | 1,840 |
| Total risk-based capital ratio | 19.0847% | 1,797 |
| Memoranda: | ||
| Average total assets | $315,892,500 | 2,091 |
| Average earning assets | $266,049,000 | 2,270 |
| Average equity | $44,879,500 | 1,737 |
| Average total loans | $232,105,000 | 1,978 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7790% | 246 |
| Cost of funding earning assets | 1.2064% | 331 |
| Net interest margin | 4.5727% | 649 |
| Noninterest income to average assets | 0.6417% | 2,084 |
| Noninterest expense to average assets | 2.9466% | 2,197 |
| Loan and lease loss provision to assets | 0.1595% | 1,291 |
| Net operating income to assets | 1.0045% | 2,990 |
| Return on assets (ROA) | 0.9979% | 3,010 |
| Pretax return on assets | 1.4224% | 2,065 |
| Return on Equity (ROE) | 7.1840% | 3,767 |
| Retained earnings to average equity (ytd only) | 4.8880% | 2,833 |
| Net charge-offs to loans | 0.2750% | 705 |
| Credit loss provision to net charge-offs | 78.1250% | 2,893 |
| Earnings coverage of net charge-offs (x) | 7.7906% | 2,956 |
| Efficiency ratio | 64.9490% | 3,034 |
| Assets per employee ($millions) | 3.7113% | 4,303 |
| Cash dividends to net income (ytd only)* | 31.9591% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 667 |
| Loan loss allowance to noncurrent loans | 52.2143% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 4.7657% | 73 |
| Noncurrent loans to loans | 3.4705% | 258 |
| Net loans and leases to total assets | 73.3661% | 2,032 |
| Net loans and leases to deposits | 88.6637% | 1,969 |
| Net loans and leases to core deposits | 102.6903% | 1,524 |
| Total domestic deposits to total assets | 82.7465% | 3,407 |
| Equity capital to assets | 14.2834% | 895 |
| Core capital (leverage) ratio | 14.3469% | 833 |
| Tier 1 risk-based capital ratio | 17.5483% | 1,885 |
| Total risk-based capital ratio | 18.8030% | 1,843 |
| Memoranda: | ||
| Average total assets | $313,548,200 | 2,071 |
| Average earning assets | $267,086,600 | 2,214 |
| Average equity | $43,555,400 | 1,715 |
| Average total loans | $232,710,600 | 1,929 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 244 |
| Cost of funding earning assets | 1.1549% | 317 |
| Net interest margin | 4.5828% | 620 |
| Noninterest income to average assets | 0.6441% | 2,104 |
| Noninterest expense to average assets | 3.0339% | 1,918 |
| Loan and lease loss provision to assets | 0.1698% | 1,100 |
| Net operating income to assets | 0.9639% | 3,248 |
| Return on assets (ROA) | 0.9639% | 3,260 |
| Pretax return on assets | 1.3375% | 2,475 |
| Return on Equity (ROE) | 6.9878% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.7565% | 2,788 |
| Net charge-offs to loans | 0.2516% | 673 |
| Credit loss provision to net charge-offs | 91.1162% | 2,410 |
| Earnings coverage of net charge-offs (x) | 8.0866% | 2,750 |
| Efficiency ratio | 66.8069% | 2,752 |
| Assets per employee ($millions) | 3.7265% | 4,268 |
| Cash dividends to net income (ytd only)* | 17.6212% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 683 |
| Loan loss allowance to noncurrent loans | 54.1062% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 4.7235% | 96 |
| Noncurrent loans to loans | 3.3782% | 295 |
| Net loans and leases to total assets | 74.1589% | 1,955 |
| Net loans and leases to deposits | 89.3712% | 1,975 |
| Net loans and leases to core deposits | 109.9727% | 1,037 |
| Total domestic deposits to total assets | 82.9785% | 3,314 |
| Equity capital to assets | 14.0515% | 943 |
| Core capital (leverage) ratio | 14.0921% | 911 |
| Tier 1 risk-based capital ratio | 17.3959% | 1,967 |
| Total risk-based capital ratio | 18.6512% | 1,914 |
| Memoranda: | ||
| Average total assets | $313,998,750 | 2,085 |
| Average earning assets | $267,018,500 | 2,230 |
| Average equity | $43,312,250 | 1,725 |
| Average total loans | $232,654,000 | 1,930 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 261 |
| Cost of funding earning assets | 1.0818% | 316 |
| Net interest margin | 4.5574% | 616 |
| Noninterest income to average assets | 0.6751% | 1,977 |
| Noninterest expense to average assets | 2.9918% | 2,064 |
| Loan and lease loss provision to assets | 0.1591% | 1,176 |
| Net operating income to assets | 1.0028% | 3,001 |
| Return on assets (ROA) | 1.0028% | 3,001 |
| Pretax return on assets | 1.3897% | 2,185 |
| Return on Equity (ROE) | 7.3153% | 3,790 |
| Retained earnings to average equity (ytd only) | 5.4586% | 2,843 |
| Net charge-offs to loans | 0.2178% | 731 |
| Credit loss provision to net charge-offs | 99.2063% | 2,077 |
| Earnings coverage of net charge-offs (x) | 9.6587% | 2,380 |
| Efficiency ratio | 65.8913% | 3,003 |
| Assets per employee ($millions) | 3.7446% | 4,289 |
| Cash dividends to net income (ytd only)* | 25.3807% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 676 |
| Loan loss allowance to noncurrent loans | 51.9857% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 4.9187% | 93 |
| Noncurrent loans to loans | 3.5805% | 269 |
| Net loans and leases to total assets | 72.2062% | 2,241 |
| Net loans and leases to deposits | 86.4265% | 2,273 |
| Net loans and leases to core deposits | 107.3938% | 1,157 |
| Total domestic deposits to total assets | 83.5463% | 3,237 |
| Equity capital to assets | 13.6606% | 1,044 |
| Core capital (leverage) ratio | 13.8166% | 956 |
| Tier 1 risk-based capital ratio | 17.1331% | 2,055 |
| Total risk-based capital ratio | 18.3886% | 1,999 |
| Memoranda: | ||
| Average total assets | $314,322,330 | 2,100 |
| Average earning assets | $266,600,330 | 2,238 |
| Average equity | $43,088,000 | 1,739 |
| Average total loans | $231,385,330 | 1,948 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6564% | 221 |
| Cost of funding earning assets | 1.0000% | 365 |
| Net interest margin | 4.6565% | 438 |
| Noninterest income to average assets | 0.6762% | 1,929 |
| Noninterest expense to average assets | 3.0070% | 2,045 |
| Loan and lease loss provision to assets | 0.1281% | 1,473 |
| Net operating income to assets | 1.0860% | 2,491 |
| Return on assets (ROA) | 1.0860% | 2,509 |
| Pretax return on assets | 1.5009% | 1,679 |
| Return on Equity (ROE) | 7.9083% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.9083% | 1,878 |
| Net charge-offs to loans | 0.1044% | 1,159 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 21.2000% | 1,438 |
| Efficiency ratio | 64.8619% | 3,344 |
| Assets per employee ($millions) | 3.7300% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 652 |
| Loan loss allowance to noncurrent loans | 61.8987% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 4.6466% | 108 |
| Noncurrent loans to loans | 3.0720% | 384 |
| Net loans and leases to total assets | 71.6118% | 2,238 |
| Net loans and leases to deposits | 85.4689% | 2,236 |
| Net loans and leases to core deposits | 104.6455% | 1,334 |
| Total domestic deposits to total assets | 83.7869% | 3,407 |
| Equity capital to assets | 13.6204% | 1,008 |
| Core capital (leverage) ratio | 14.0844% | 860 |
| Tier 1 risk-based capital ratio | 17.2722% | 2,044 |
| Total risk-based capital ratio | 18.5280% | 1,992 |
| Memoranda: | ||
| Average total assets | $312,336,500 | 2,133 |
| Average earning assets | $265,609,500 | 2,266 |
| Average equity | $42,891,500 | 1,759 |
| Average total loans | $229,984,500 | 1,966 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7762% | 175 |
| Cost of funding earning assets | 0.9360% | 308 |
| Net interest margin | 4.8402% | 320 |
| Noninterest income to average assets | 0.6675% | 2,101 |
| Noninterest expense to average assets | 2.8408% | 2,646 |
| Loan and lease loss provision to assets | 0.3233% | 517 |
| Net operating income to assets | 1.0179% | 2,165 |
| Return on assets (ROA) | 1.0179% | 2,199 |
| Pretax return on assets | 1.6089% | 1,263 |
| Return on Equity (ROE) | 7.5498% | 3,015 |
| Retained earnings to average equity (ytd only) | 5.1523% | 2,030 |
| Net charge-offs to loans | 0.6486% | 340 |
| Credit loss provision to net charge-offs | 67.9348% | 3,119 |
| Earnings coverage of net charge-offs (x) | 4.0605% | 3,523 |
| Efficiency ratio | 59.5191% | 4,335 |
| Assets per employee ($millions) | 3.7515% | 4,357 |
| Cash dividends to net income (ytd only)* | 31.7561% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 637 |
| Loan loss allowance to noncurrent loans | 62.1314% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 4.8481% | 103 |
| Noncurrent loans to loans | 3.0714% | 357 |
| Net loans and leases to total assets | 72.8690% | 2,107 |
| Net loans and leases to deposits | 87.2621% | 2,103 |
| Net loans and leases to core deposits | 105.8526% | 1,272 |
| Total domestic deposits to total assets | 83.5059% | 3,382 |
| Equity capital to assets | 13.8480% | 952 |
| Core capital (leverage) ratio | 13.8231% | 879 |
| Tier 1 risk-based capital ratio | 17.2113% | 2,023 |
| Total risk-based capital ratio | 18.4673% | 1,976 |
| Memoranda: | ||
| Average total assets | $309,348,000 | 2,122 |
| Average earning assets | $262,387,200 | 2,264 |
| Average equity | $41,709,600 | 1,788 |
| Average total loans | $226,957,400 | 1,951 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7129% | 187 |
| Cost of funding earning assets | 0.9315% | 290 |
| Net interest margin | 4.7814% | 352 |
| Noninterest income to average assets | 0.6770% | 2,098 |
| Noninterest expense to average assets | 2.7666% | 2,837 |
| Loan and lease loss provision to assets | 0.3443% | 436 |
| Net operating income to assets | 1.0614% | 2,279 |
| Return on assets (ROA) | 1.0614% | 2,310 |
| Pretax return on assets | 1.6002% | 1,420 |
| Return on Equity (ROE) | 7.9252% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.6397% | 1,884 |
| Net charge-offs to loans | 0.4737% | 436 |
| Credit loss provision to net charge-offs | 99.3789% | 2,324 |
| Earnings coverage of net charge-offs (x) | 5.6124% | 3,081 |
| Efficiency ratio | 58.7246% | 4,400 |
| Assets per employee ($millions) | 3.7468% | 4,380 |
| Cash dividends to net income (ytd only)* | 16.2206% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1110% | 476 |
| Loan loss allowance to noncurrent loans | 49.4824% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 5.7425% | 74 |
| Noncurrent loans to loans | 4.2661% | 219 |
| Net loans and leases to total assets | 72.8689% | 2,117 |
| Net loans and leases to deposits | 87.4399% | 2,135 |
| Net loans and leases to core deposits | 107.3080% | 1,184 |
| Total domestic deposits to total assets | 83.3360% | 3,348 |
| Equity capital to assets | 13.8860% | 1,025 |
| Core capital (leverage) ratio | 13.8844% | 920 |
| Tier 1 risk-based capital ratio | 17.1692% | 2,112 |
| Total risk-based capital ratio | 18.4275% | 2,060 |
| Memoranda: | ||
| Average total assets | $309,778,500 | 2,130 |
| Average earning assets | $261,365,000 | 2,284 |
| Average equity | $41,487,000 | 1,815 |
| Average total loans | $226,565,500 | 1,963 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 180 |
| Cost of funding earning assets | 0.9312% | 252 |
| Net interest margin | 4.8024% | 324 |
| Noninterest income to average assets | 0.6761% | 2,095 |
| Noninterest expense to average assets | 2.7197% | 3,014 |
| Loan and lease loss provision to assets | 0.3863% | 355 |
| Net operating income to assets | 1.0514% | 2,198 |
| Return on assets (ROA) | 1.0514% | 2,242 |
| Pretax return on assets | 1.5878% | 1,382 |
| Return on Equity (ROE) | 7.9474% | 3,061 |
| Retained earnings to average equity (ytd only) | 6.0007% | 2,115 |
| Net charge-offs to loans | 0.4755% | 416 |
| Credit loss provision to net charge-offs | 111.7318% | 1,864 |
| Earnings coverage of net charge-offs (x) | 5.7095% | 2,794 |
| Efficiency ratio | 57.9424% | 4,597 |
| Assets per employee ($millions) | 3.7501% | 4,357 |
| Cash dividends to net income (ytd only)* | 24.4948% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 456 |
| Loan loss allowance to noncurrent loans | 50.4171% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 5.8207% | 80 |
| Noncurrent loans to loans | 4.2967% | 202 |
| Net loans and leases to total assets | 71.9058% | 2,218 |
| Net loans and leases to deposits | 85.4920% | 2,289 |
| Net loans and leases to core deposits | 105.5573% | 1,260 |
| Total domestic deposits to total assets | 84.1082% | 3,153 |
| Equity capital to assets | 13.6008% | 1,114 |
| Core capital (leverage) ratio | 13.4185% | 1,020 |
| Tier 1 risk-based capital ratio | 16.9065% | 2,177 |
| Total risk-based capital ratio | 18.1654% | 2,134 |
| Memoranda: | ||
| Average total assets | $310,625,330 | 2,128 |
| Average earning assets | $259,870,330 | 2,298 |
| Average equity | $41,095,000 | 1,830 |
| Average total loans | $225,851,000 | 1,971 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6734% | 188 |
| Cost of funding earning assets | 0.9180% | 251 |
| Net interest margin | 4.7554% | 336 |
| Noninterest income to average assets | 0.6893% | 2,013 |
| Noninterest expense to average assets | 2.7484% | 2,958 |
| Loan and lease loss provision to assets | 0.4164% | 266 |
| Net operating income to assets | 0.9751% | 2,416 |
| Return on assets (ROA) | 0.9751% | 2,468 |
| Pretax return on assets | 1.4671% | 1,643 |
| Return on Equity (ROE) | 7.4734% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.4734% | 1,662 |
| Net charge-offs to loans | 0.5776% | 308 |
| Credit loss provision to net charge-offs | 99.6933% | 1,621 |
| Earnings coverage of net charge-offs (x) | 4.5092% | 2,378 |
| Efficiency ratio | 59.3361% | 4,556 |
| Assets per employee ($millions) | 3.8309% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 511 |
| Loan loss allowance to noncurrent loans | 56.5212% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 5.3499% | 100 |
| Noncurrent loans to loans | 3.7962% | 291 |
| Net loans and leases to total assets | 70.1504% | 2,354 |
| Net loans and leases to deposits | 83.5499% | 2,335 |
| Net loans and leases to core deposits | 104.7212% | 1,177 |
| Total domestic deposits to total assets | 83.9623% | 3,491 |
| Equity capital to assets | 13.1055% | 1,217 |
| Core capital (leverage) ratio | 13.3420% | 1,019 |
| Tier 1 risk-based capital ratio | 16.6536% | 2,299 |
| Total risk-based capital ratio | 17.9119% | 2,259 |
| Memoranda: | ||
| Average total assets | $312,185,500 | 2,137 |
| Average earning assets | $258,824,000 | 2,321 |
| Average equity | $40,731,000 | 1,842 |
| Average total loans | $225,771,500 | 1,979 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 223 |
| Cost of funding earning assets | 0.8901% | 315 |
| Net interest margin | 4.6916% | 427 |
| Noninterest income to average assets | 0.7024% | 2,159 |
| Noninterest expense to average assets | 2.8251% | 2,945 |
| Loan and lease loss provision to assets | 0.4894% | 285 |
| Net operating income to assets | 0.9334% | 2,657 |
| Return on assets (ROA) | 0.9334% | 2,768 |
| Pretax return on assets | 1.3843% | 2,000 |
| Return on Equity (ROE) | 7.1952% | 3,375 |
| Retained earnings to average equity (ytd only) | 5.6862% | 1,894 |
| Net charge-offs to loans | 0.5185% | 471 |
| Credit loss provision to net charge-offs | 127.7683% | 2,097 |
| Earnings coverage of net charge-offs (x) | 4.8918% | 3,428 |
| Efficiency ratio | 60.1236% | 4,561 |
| Assets per employee ($millions) | 3.8780% | 4,179 |
| Cash dividends to net income (ytd only)* | 20.9717% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1352% | 515 |
| Loan loss allowance to noncurrent loans | 42.8685% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 6.3381% | 82 |
| Noncurrent loans to loans | 4.9809% | 159 |
| Net loans and leases to total assets | 71.4008% | 2,258 |
| Net loans and leases to deposits | 85.1419% | 2,291 |
| Net loans and leases to core deposits | 106.0338% | 1,127 |
| Total domestic deposits to total assets | 83.8610% | 3,478 |
| Equity capital to assets | 12.9879% | 1,267 |
| Core capital (leverage) ratio | 13.1881% | 1,064 |
| Tier 1 risk-based capital ratio | 16.2620% | 2,442 |
| Total risk-based capital ratio | 17.5202% | 2,376 |
| Memoranda: | ||
| Average total assets | $306,499,200 | 2,131 |
| Average earning assets | $261,083,400 | 2,275 |
| Average equity | $39,762,800 | 1,852 |
| Average total loans | $226,408,000 | 1,935 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 206 |
| Cost of funding earning assets | 0.8782% | 324 |
| Net interest margin | 4.7697% | 383 |
| Noninterest income to average assets | 0.7217% | 2,073 |
| Noninterest expense to average assets | 2.7782% | 3,086 |
| Loan and lease loss provision to assets | 0.4582% | 289 |
| Net operating income to assets | 1.0346% | 2,269 |
| Return on assets (ROA) | 1.0346% | 2,394 |
| Pretax return on assets | 1.5708% | 1,462 |
| Return on Equity (ROE) | 7.9769% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.3040% | 1,480 |
| Net charge-offs to loans | 0.3227% | 717 |
| Credit loss provision to net charge-offs | 191.6058% | 1,481 |
| Earnings coverage of net charge-offs (x) | 8.4854% | 2,760 |
| Efficiency ratio | 57.7925% | 4,844 |
| Assets per employee ($millions) | 3.8379% | 4,235 |
| Cash dividends to net income (ytd only)* | 8.4353% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1678% | 546 |
| Loan loss allowance to noncurrent loans | 64.0619% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 5.5440% | 115 |
| Noncurrent loans to loans | 3.3840% | 396 |
| Net loans and leases to total assets | 73.6240% | 1,936 |
| Net loans and leases to deposits | 88.2150% | 1,988 |
| Net loans and leases to core deposits | 111.0702% | 862 |
| Total domestic deposits to total assets | 83.4598% | 3,415 |
| Equity capital to assets | 13.2621% | 1,365 |
| Core capital (leverage) ratio | 13.2255% | 1,100 |
| Tier 1 risk-based capital ratio | 16.0288% | 2,614 |
| Total risk-based capital ratio | 17.2875% | 2,553 |
| Memoranda: | ||
| Average total assets | $305,565,000 | 2,141 |
| Average earning assets | $261,727,000 | 2,282 |
| Average equity | $39,630,250 | 1,875 |
| Average total loans | $226,424,000 | 1,936 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5898% | 222 |
| Cost of funding earning assets | 0.8644% | 348 |
| Net interest margin | 4.7254% | 408 |
| Noninterest income to average assets | 0.7408% | 1,971 |
| Noninterest expense to average assets | 2.7757% | 3,108 |
| Loan and lease loss provision to assets | 0.4261% | 344 |
| Net operating income to assets | 1.0489% | 2,181 |
| Return on assets (ROA) | 1.0489% | 2,307 |
| Pretax return on assets | 1.5957% | 1,384 |
| Return on Equity (ROE) | 8.1493% | 2,911 |
| Retained earnings to average equity (ytd only) | 7.1306% | 1,538 |
| Net charge-offs to loans | 0.3646% | 636 |
| Credit loss provision to net charge-offs | 158.5366% | 1,533 |
| Earnings coverage of net charge-offs (x) | 7.5220% | 2,616 |
| Efficiency ratio | 57.8573% | 4,920 |
| Assets per employee ($millions) | 3.8174% | 4,239 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0687% | 644 |
| Loan loss allowance to noncurrent loans | 63.7267% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 5.4356% | 124 |
| Noncurrent loans to loans | 3.2462% | 433 |
| Net loans and leases to total assets | 73.5827% | 1,920 |
| Net loans and leases to deposits | 88.1925% | 1,970 |
| Net loans and leases to core deposits | 111.5497% | 841 |
| Total domestic deposits to total assets | 83.4342% | 3,491 |
| Equity capital to assets | 13.1227% | 1,436 |
| Core capital (leverage) ratio | 13.0593% | 1,124 |
| Tier 1 risk-based capital ratio | 16.1224% | 2,582 |
| Total risk-based capital ratio | 17.3806% | 2,525 |
| Memoranda: | ||
| Average total assets | $305,075,670 | 2,148 |
| Average earning assets | $261,903,330 | 2,286 |
| Average equity | $39,267,330 | 1,887 |
| Average total loans | $224,879,000 | 1,955 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 242 |
| Cost of funding earning assets | 0.8538% | 383 |
| Net interest margin | 4.6827% | 435 |
| Noninterest income to average assets | 0.7202% | 1,937 |
| Noninterest expense to average assets | 2.8204% | 2,995 |
| Loan and lease loss provision to assets | 0.3280% | 464 |
| Net operating income to assets | 1.0468% | 2,096 |
| Return on assets (ROA) | 1.0468% | 2,207 |
| Pretax return on assets | 1.5939% | 1,314 |
| Return on Equity (ROE) | 8.2135% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.2135% | 1,370 |
| Net charge-offs to loans | 0.3378% | 660 |
| Credit loss provision to net charge-offs | 132.9787% | 1,351 |
| Earnings coverage of net charge-offs (x) | 7.7926% | 2,118 |
| Efficiency ratio | 59.4744% | 4,814 |
| Assets per employee ($millions) | 3.7812% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0267% | 782 |
| Loan loss allowance to noncurrent loans | 60.0552% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 5.6721% | 133 |
| Noncurrent loans to loans | 3.3747% | 423 |
| Net loans and leases to total assets | 73.0175% | 1,885 |
| Net loans and leases to deposits | 87.5595% | 1,877 |
| Net loans and leases to core deposits | 108.7958% | 927 |
| Total domestic deposits to total assets | 83.3918% | 3,755 |
| Equity capital to assets | 12.9873% | 1,417 |
| Core capital (leverage) ratio | 12.8911% | 1,201 |
| Tier 1 risk-based capital ratio | 15.6052% | 2,858 |
| Total risk-based capital ratio | 16.8622% | 2,788 |
| Memoranda: | ||
| Average total assets | $304,916,000 | 2,155 |
| Average earning assets | $261,899,500 | 2,289 |
| Average equity | $38,863,000 | 1,897 |
| Average total loans | $222,586,000 | 1,966 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 254 |
| Cost of funding earning assets | 0.8431% | 389 |
| Net interest margin | 4.6796% | 468 |
| Noninterest income to average assets | 0.5860% | 2,799 |
| Noninterest expense to average assets | 2.7019% | 3,573 |
| Loan and lease loss provision to assets | 0.6394% | 160 |
| Net operating income to assets | 0.8411% | 3,152 |
| Return on assets (ROA) | 0.8411% | 3,222 |
| Pretax return on assets | 1.2631% | 2,423 |
| Return on Equity (ROE) | 6.8369% | 3,601 |
| Retained earnings to average equity (ytd only) | 5.2376% | 2,251 |
| Net charge-offs to loans | 1.0730% | 179 |
| Credit loss provision to net charge-offs | 81.4536% | 2,921 |
| Earnings coverage of net charge-offs (x) | 2.4236% | 3,912 |
| Efficiency ratio | 58.6811% | 5,069 |
| Assets per employee ($millions) | 3.9402% | 4,043 |
| Cash dividends to net income (ytd only)* | 23.3918% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 740 |
| Loan loss allowance to noncurrent loans | 53.9502% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 5.8848% | 140 |
| Noncurrent loans to loans | 3.8020% | 339 |
| Net loans and leases to total assets | 70.0279% | 2,363 |
| Net loans and leases to deposits | 83.6957% | 2,395 |
| Net loans and leases to core deposits | 96.3126% | 1,815 |
| Total domestic deposits to total assets | 83.6697% | 3,604 |
| Equity capital to assets | 12.5075% | 1,620 |
| Core capital (leverage) ratio | 12.5345% | 1,333 |
| Tier 1 risk-based capital ratio | 15.9928% | 2,688 |
| Total risk-based capital ratio | 17.2506% | 2,627 |
| Memoranda: | ||
| Average total assets | $304,969,000 | 2,120 |
| Average earning assets | $261,883,400 | 2,255 |
| Average equity | $37,517,200 | 1,907 |
| Average total loans | $223,117,000 | 1,903 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 245 |
| Cost of funding earning assets | 0.8447% | 386 |
| Net interest margin | 4.6924% | 459 |
| Noninterest income to average assets | 0.5743% | 2,885 |
| Noninterest expense to average assets | 2.7378% | 3,436 |
| Loan and lease loss provision to assets | 0.6023% | 151 |
| Net operating income to assets | 0.8358% | 3,244 |
| Return on assets (ROA) | 0.8358% | 3,327 |
| Pretax return on assets | 1.2616% | 2,547 |
| Return on Equity (ROE) | 6.8227% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.1075% | 2,178 |
| Net charge-offs to loans | 1.0061% | 188 |
| Credit loss provision to net charge-offs | 81.3609% | 2,591 |
| Earnings coverage of net charge-offs (x) | 2.5177% | 3,660 |
| Efficiency ratio | 59.4955% | 4,946 |
| Assets per employee ($millions) | 3.9360% | 4,001 |
| Cash dividends to net income (ytd only)* | 10.4822% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 814 |
| Loan loss allowance to noncurrent loans | 62.3118% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 5.5861% | 156 |
| Noncurrent loans to loans | 3.3310% | 491 |
| Net loans and leases to total assets | 71.2430% | 2,184 |
| Net loans and leases to deposits | 85.0592% | 2,273 |
| Net loans and leases to core deposits | 97.6172% | 1,732 |
| Total domestic deposits to total assets | 83.7569% | 3,520 |
| Equity capital to assets | 12.4110% | 1,791 |
| Core capital (leverage) ratio | 12.5349% | 1,394 |
| Tier 1 risk-based capital ratio | 16.3778% | 2,632 |
| Total risk-based capital ratio | 17.6367% | 2,578 |
| Memoranda: | ||
| Average total assets | $304,377,250 | 2,136 |
| Average earning assets | $261,236,750 | 2,272 |
| Average equity | $37,286,500 | 1,930 |
| Average total loans | $223,964,250 | 1,911 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 264 |
| Cost of funding earning assets | 0.8480% | 387 |
| Net interest margin | 4.6587% | 472 |
| Noninterest income to average assets | 0.5694% | 2,908 |
| Noninterest expense to average assets | 2.7420% | 3,442 |
| Loan and lease loss provision to assets | 0.3789% | 333 |
| Net operating income to assets | 0.9483% | 2,642 |
| Return on assets (ROA) | 0.9483% | 2,760 |
| Pretax return on assets | 1.4451% | 1,819 |
| Return on Equity (ROE) | 7.7754% | 3,175 |
| Retained earnings to average equity (ytd only) | 6.6947% | 1,848 |
| Net charge-offs to loans | 0.2007% | 1,254 |
| Credit loss provision to net charge-offs | 255.5556% | 1,037 |
| Earnings coverage of net charge-offs (x) | 12.3022% | 2,216 |
| Efficiency ratio | 60.0520% | 4,971 |
| Assets per employee ($millions) | 4.0579% | 3,768 |
| Cash dividends to net income (ytd only)* | 13.8985% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3589% | 584 |
| Loan loss allowance to noncurrent loans | 47.5000% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 6.2079% | 149 |
| Noncurrent loans to loans | 4.9662% | 235 |
| Net loans and leases to total assets | 72.0972% | 1,962 |
| Net loans and leases to deposits | 87.3606% | 1,902 |
| Net loans and leases to core deposits | 98.7653% | 1,589 |
| Total domestic deposits to total assets | 82.5284% | 4,117 |
| Equity capital to assets | 12.3287% | 1,784 |
| Core capital (leverage) ratio | 12.2441% | 1,515 |
| Tier 1 risk-based capital ratio | 15.2183% | 3,239 |
| Total risk-based capital ratio | 16.4802% | 3,171 |
| Memoranda: | ||
| Average total assets | $303,499,670 | 2,161 |
| Average earning assets | $260,373,670 | 2,293 |
| Average equity | $37,014,330 | 1,950 |
| Average total loans | $224,166,000 | 1,919 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4770% | 272 |
| Cost of funding earning assets | 0.8528% | 375 |
| Net interest margin | 4.6242% | 478 |
| Noninterest income to average assets | 0.5253% | 3,119 |
| Noninterest expense to average assets | 2.6475% | 3,753 |
| Loan and lease loss provision to assets | 0.3959% | 300 |
| Net operating income to assets | 0.9384% | 2,569 |
| Return on assets (ROA) | 0.9384% | 2,702 |
| Pretax return on assets | 1.4320% | 1,769 |
| Return on Equity (ROE) | 7.7365% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.7365% | 1,670 |
| Net charge-offs to loans | 0.5074% | 496 |
| Credit loss provision to net charge-offs | 105.6338% | 1,549 |
| Earnings coverage of net charge-offs (x) | 4.8768% | 2,441 |
| Efficiency ratio | 59.1566% | 5,203 |
| Assets per employee ($millions) | 4.0717% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2109% | 796 |
| Loan loss allowance to noncurrent loans | 42.3697% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 6.3800% | 155 |
| Noncurrent loans to loans | 5.2182% | 243 |
| Net loans and leases to total assets | 71.9402% | 1,811 |
| Net loans and leases to deposits | 87.1785% | 1,709 |
| Net loans and leases to core deposits | 99.0121% | 1,394 |
| Total domestic deposits to total assets | 82.5206% | 4,347 |
| Equity capital to assets | 12.1660% | 1,915 |
| Core capital (leverage) ratio | 12.2150% | 1,499 |
| Tier 1 risk-based capital ratio | 15.0229% | 3,419 |
| Total risk-based capital ratio | 16.2822% | 3,345 |
| Memoranda: | ||
| Average total assets | $303,080,000 | 2,181 |
| Average earning assets | $258,898,500 | 2,320 |
| Average equity | $36,761,000 | 1,975 |
| Average total loans | $223,888,500 | 1,921 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 337 |
| Cost of funding earning assets | 0.9463% | 296 |
| Net interest margin | 4.5277% | 710 |
| Noninterest income to average assets | 0.5220% | 3,344 |
| Noninterest expense to average assets | 2.6086% | 4,182 |
| Loan and lease loss provision to assets | 1.0443% | 101 |
| Net operating income to assets | 0.5348% | 4,663 |
| Return on assets (ROA) | 0.5359% | 4,739 |
| Pretax return on assets | 0.7703% | 4,364 |
| Return on Equity (ROE) | 4.6505% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.0885% | 3,292 |
| Net charge-offs to loans | 1.7967% | 120 |
| Credit loss provision to net charge-offs | 79.2578% | 2,883 |
| Earnings coverage of net charge-offs (x) | 1.3760% | 4,436 |
| Efficiency ratio | 58.9967% | 5,348 |
| Assets per employee ($millions) | 4.0105% | 3,935 |
| Cash dividends to net income (ytd only)* | 12.0846% | 4,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2190% | 801 |
| Loan loss allowance to noncurrent loans | 38.7979% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 6.8870% | 153 |
| Noncurrent loans to loans | 5.7193% | 215 |
| Net loans and leases to total assets | 72.5341% | 1,825 |
| Net loans and leases to deposits | 87.7623% | 1,761 |
| Net loans and leases to core deposits | 97.2068% | 1,619 |
| Total domestic deposits to total assets | 82.6483% | 4,200 |
| Equity capital to assets | 12.0917% | 1,953 |
| Core capital (leverage) ratio | 11.9303% | 1,673 |
| Tier 1 risk-based capital ratio | 15.2687% | 3,332 |
| Total risk-based capital ratio | 16.5291% | 3,280 |
| Memoranda: | ||
| Average total assets | $308,822,200 | 2,106 |
| Average earning assets | $265,985,800 | 2,232 |
| Average equity | $35,587,600 | 1,965 |
| Average total loans | $226,470,000 | 1,853 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 376 |
| Cost of funding earning assets | 0.9587% | 293 |
| Net interest margin | 4.4460% | 822 |
| Noninterest income to average assets | 0.5666% | 3,087 |
| Noninterest expense to average assets | 2.5599% | 4,317 |
| Loan and lease loss provision to assets | 1.3405% | 65 |
| Net operating income to assets | 0.3630% | 5,388 |
| Return on assets (ROA) | 0.3642% | 5,458 |
| Pretax return on assets | 0.5173% | 5,272 |
| Return on Equity (ROE) | 3.1984% | 5,475 |
| Retained earnings to average equity (ytd only) | 3.1984% | 4,354 |
| Net charge-offs to loans | 2.3375% | 74 |
| Credit loss provision to net charge-offs | 78.4191% | 2,624 |
| Earnings coverage of net charge-offs (x) | 1.0858% | 4,238 |
| Efficiency ratio | 57.9699% | 5,451 |
| Assets per employee ($millions) | 4.0910% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1863% | 965 |
| Loan loss allowance to noncurrent loans | 37.3129% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 7.0069% | 169 |
| Noncurrent loans to loans | 5.8593% | 246 |
| Net loans and leases to total assets | 71.9602% | 1,858 |
| Net loans and leases to deposits | 86.5769% | 1,842 |
| Net loans and leases to core deposits | 97.0258% | 1,590 |
| Total domestic deposits to total assets | 83.1171% | 4,092 |
| Equity capital to assets | 11.6496% | 2,363 |
| Core capital (leverage) ratio | 11.5224% | 2,045 |
| Tier 1 risk-based capital ratio | 14.9588% | 3,612 |
| Total risk-based capital ratio | 16.2188% | 3,535 |
| Memoranda: | ||
| Average total assets | $310,831,750 | 2,105 |
| Average earning assets | $269,116,250 | 2,218 |
| Average equity | $35,392,000 | 1,985 |
| Average total loans | $227,307,000 | 1,853 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4178% | 361 |
| Cost of funding earning assets | 0.9787% | 282 |
| Net interest margin | 4.4391% | 795 |
| Noninterest income to average assets | 0.6131% | 2,747 |
| Noninterest expense to average assets | 2.5051% | 4,560 |
| Loan and lease loss provision to assets | 0.9867% | 106 |
| Net operating income to assets | 0.6381% | 4,158 |
| Return on assets (ROA) | 0.6381% | 4,265 |
| Pretax return on assets | 0.9629% | 3,633 |
| Return on Equity (ROE) | 5.6471% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.6471% | 2,549 |
| Net charge-offs to loans | 1.7056% | 143 |
| Credit loss provision to net charge-offs | 79.2589% | 2,346 |
| Earnings coverage of net charge-offs (x) | 1.5661% | 3,771 |
| Efficiency ratio | 56.2347% | 5,721 |
| Assets per employee ($millions) | 4.1594% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 808 |
| Loan loss allowance to noncurrent loans | 51.2255% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 5.9986% | 249 |
| Noncurrent loans to loans | 4.6952% | 455 |
| Net loans and leases to total assets | 70.1373% | 2,060 |
| Net loans and leases to deposits | 84.2200% | 2,014 |
| Net loans and leases to core deposits | 93.8857% | 1,786 |
| Total domestic deposits to total assets | 83.2786% | 4,199 |
| Equity capital to assets | 11.5011% | 2,424 |
| Core capital (leverage) ratio | 11.4761% | 2,024 |
| Tier 1 risk-based capital ratio | 15.2435% | 3,497 |
| Total risk-based capital ratio | 16.5065% | 3,440 |
| Memoranda: | ||
| Average total assets | $312,167,330 | 2,097 |
| Average earning assets | $270,145,670 | 2,210 |
| Average equity | $35,274,670 | 1,978 |
| Average total loans | $227,833,670 | 1,840 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 371 |
| Cost of funding earning assets | 0.9839% | 293 |
| Net interest margin | 4.3806% | 837 |
| Noninterest income to average assets | 0.5995% | 2,735 |
| Noninterest expense to average assets | 2.5759% | 4,355 |
| Loan and lease loss provision to assets | 0.8134% | 146 |
| Net operating income to assets | 0.6546% | 3,926 |
| Return on assets (ROA) | 0.6546% | 4,023 |
| Pretax return on assets | 0.9914% | 3,355 |
| Return on Equity (ROE) | 5.8445% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.8445% | 2,624 |
| Net charge-offs to loans | 2.0605% | 126 |
| Credit loss provision to net charge-offs | 53.6771% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.1910% | 3,151 |
| Efficiency ratio | 58.8012% | 5,568 |
| Assets per employee ($millions) | 4.2006% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2924% | 1,040 |
| Loan loss allowance to noncurrent loans | 74.7436% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 4.9542% | 413 |
| Noncurrent loans to loans | 3.0670% | 1,029 |
| Net loans and leases to total assets | 70.9880% | 1,724 |
| Net loans and leases to deposits | 84.8499% | 1,738 |
| Net loans and leases to core deposits | 94.1671% | 1,538 |
| Total domestic deposits to total assets | 83.6630% | 4,396 |
| Equity capital to assets | 11.2009% | 2,521 |
| Core capital (leverage) ratio | 11.4755% | 1,979 |
| Tier 1 risk-based capital ratio | 14.8887% | 3,767 |
| Total risk-based capital ratio | 16.1506% | 3,718 |
| Memoranda: | ||
| Average total assets | $312,274,000 | 2,097 |
| Average earning assets | $269,551,000 | 2,219 |
| Average equity | $34,973,000 | 1,982 |
| Average total loans | $229,656,500 | 1,828 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 404 |
| Cost of funding earning assets | 1.0221% | 402 |
| Net interest margin | 4.4167% | 887 |
| Noninterest income to average assets | 0.7257% | 2,403 |
| Noninterest expense to average assets | 2.5558% | 4,598 |
| Loan and lease loss provision to assets | 1.0280% | 174 |
| Net operating income to assets | 0.6523% | 4,023 |
| Return on assets (ROA) | 0.6525% | 4,124 |
| Pretax return on assets | 0.9797% | 3,433 |
| Return on Equity (ROE) | 5.9689% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.9689% | 1,997 |
| Net charge-offs to loans | 1.8986% | 207 |
| Credit loss provision to net charge-offs | 70.3704% | 3,298 |
| Earnings coverage of net charge-offs (x) | 1.3741% | 4,603 |
| Efficiency ratio | 56.0099% | 5,945 |
| Assets per employee ($millions) | 4.1267% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 818 |
| Loan loss allowance to noncurrent loans | 58.9522% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 5.5809% | 375 |
| Noncurrent loans to loans | 4.2661% | 648 |
| Net loans and leases to total assets | 72.5767% | 1,582 |
| Net loans and leases to deposits | 86.8459% | 1,592 |
| Net loans and leases to core deposits | 93.9382% | 1,606 |
| Total domestic deposits to total assets | 83.5695% | 4,333 |
| Equity capital to assets | 11.1980% | 2,431 |
| Core capital (leverage) ratio | 11.2478% | 2,157 |
| Tier 1 risk-based capital ratio | 14.4079% | 4,011 |
| Total risk-based capital ratio | 15.6722% | 3,947 |
| Memoranda: | ||
| Average total assets | $308,672,400 | 2,086 |
| Average earning assets | $268,184,400 | 2,197 |
| Average equity | $33,741,600 | 2,040 |
| Average total loans | $237,490,400 | 1,747 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4021% | 442 |
| Cost of funding earning assets | 1.0189% | 448 |
| Net interest margin | 4.3832% | 930 |
| Noninterest income to average assets | 0.7694% | 2,285 |
| Noninterest expense to average assets | 2.4452% | 4,888 |
| Loan and lease loss provision to assets | 1.1022% | 135 |
| Net operating income to assets | 0.6870% | 3,922 |
| Return on assets (ROA) | 0.6873% | 4,060 |
| Pretax return on assets | 1.0361% | 3,351 |
| Return on Equity (ROE) | 6.3258% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.3258% | 2,222 |
| Net charge-offs to loans | 2.0903% | 172 |
| Credit loss provision to net charge-offs | 67.9819% | 3,108 |
| Earnings coverage of net charge-offs (x) | 1.3186% | 4,399 |
| Efficiency ratio | 53.3528% | 6,156 |
| Assets per employee ($millions) | 4.1451% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4947% | 939 |
| Loan loss allowance to noncurrent loans | 41.1035% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 5.7874% | 434 |
| Noncurrent loans to loans | 6.0692% | 416 |
| Net loans and leases to total assets | 74.5545% | 1,204 |
| Net loans and leases to deposits | 89.1190% | 1,257 |
| Net loans and leases to core deposits | 97.0521% | 1,310 |
| Total domestic deposits to total assets | 83.6572% | 4,324 |
| Equity capital to assets | 11.0321% | 2,729 |
| Core capital (leverage) ratio | 11.1047% | 2,378 |
| Tier 1 risk-based capital ratio | 14.0880% | 4,367 |
| Total risk-based capital ratio | 15.3526% | 4,300 |
| Memoranda: | ||
| Average total assets | $308,464,750 | 2,096 |
| Average earning assets | $268,383,500 | 2,201 |
| Average equity | $33,512,500 | 2,075 |
| Average total loans | $239,257,500 | 1,728 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 485 |
| Cost of funding earning assets | 1.0175% | 500 |
| Net interest margin | 4.3268% | 984 |
| Noninterest income to average assets | 0.8353% | 2,043 |
| Noninterest expense to average assets | 2.3741% | 5,124 |
| Loan and lease loss provision to assets | 1.3164% | 116 |
| Net operating income to assets | 0.6002% | 4,277 |
| Return on assets (ROA) | 0.6007% | 4,457 |
| Pretax return on assets | 0.8938% | 3,931 |
| Return on Equity (ROE) | 5.5577% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.5577% | 2,699 |
| Net charge-offs to loans | 1.5648% | 326 |
| Credit loss provision to net charge-offs | 107.9424% | 2,055 |
| Earnings coverage of net charge-offs (x) | 1.8118% | 3,926 |
| Efficiency ratio | 51.7941% | 6,294 |
| Assets per employee ($millions) | 4.1034% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0083% | 577 |
| Loan loss allowance to noncurrent loans | 49.3559% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 5.9813% | 459 |
| Noncurrent loans to loans | 6.0952% | 453 |
| Net loans and leases to total assets | 76.2660% | 956 |
| Net loans and leases to deposits | 90.5781% | 1,089 |
| Net loans and leases to core deposits | 98.2334% | 1,191 |
| Total domestic deposits to total assets | 84.1992% | 4,237 |
| Equity capital to assets | 10.9281% | 2,820 |
| Core capital (leverage) ratio | 10.9530% | 2,406 |
| Tier 1 risk-based capital ratio | 13.7579% | 4,599 |
| Total risk-based capital ratio | 15.0291% | 4,554 |
| Memoranda: | ||
| Average total assets | $307,658,330 | 2,101 |
| Average earning assets | $266,527,000 | 2,219 |
| Average equity | $33,251,000 | 2,094 |
| Average total loans | $239,774,000 | 1,724 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 625 |
| Cost of funding earning assets | 1.0005% | 607 |
| Net interest margin | 4.1796% | 1,244 |
| Noninterest income to average assets | 0.6892% | 2,657 |
| Noninterest expense to average assets | 2.2704% | 5,504 |
| Loan and lease loss provision to assets | 1.7737% | 71 |
| Net operating income to assets | 0.2159% | 5,836 |
| Return on assets (ROA) | 0.2159% | 5,954 |
| Pretax return on assets | 0.2575% | 5,939 |
| Return on Equity (ROE) | 2.0084% | 5,940 |
| Retained earnings to average equity (ytd only) | 2.0084% | 4,995 |
| Net charge-offs to loans | 0.9453% | 650 |
| Credit loss provision to net charge-offs | 241.8440% | 947 |
| Earnings coverage of net charge-offs (x) | 2.7695% | 2,943 |
| Efficiency ratio | 52.7811% | 6,332 |
| Assets per employee ($millions) | 4.1152% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2913% | 497 |
| Loan loss allowance to noncurrent loans | 49.0628% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 6.4489% | 466 |
| Noncurrent loans to loans | 6.7084% | 464 |
| Net loans and leases to total assets | 75.5033% | 901 |
| Net loans and leases to deposits | 89.6547% | 997 |
| Net loans and leases to core deposits | 97.9102% | 1,083 |
| Total domestic deposits to total assets | 84.2156% | 4,388 |
| Equity capital to assets | 10.7290% | 3,282 |
| Core capital (leverage) ratio | 10.7090% | 2,542 |
| Tier 1 risk-based capital ratio | 13.4364% | 4,917 |
| Total risk-based capital ratio | 14.7109% | 4,860 |
| Memoranda: | ||
| Average total assets | $307,609,000 | 2,135 |
| Average earning assets | $265,864,500 | 2,246 |
| Average equity | $33,060,500 | 2,125 |
| Average total loans | $238,664,000 | 1,736 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1917% | 196 |
| Cost of funding earning assets | 1.1617% | 689 |
| Net interest margin | 5.0300% | 371 |
| Noninterest income to average assets | 0.7415% | 2,536 |
| Noninterest expense to average assets | 2.4921% | 5,124 |
| Loan and lease loss provision to assets | 1.5355% | 205 |
| Net operating income to assets | 0.6865% | 3,801 |
| Return on assets (ROA) | 0.6962% | 4,009 |
| Pretax return on assets | 1.0455% | 3,369 |
| Return on Equity (ROE) | 6.2623% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.4105% | 3,126 |
| Net charge-offs to loans | 1.1759% | 865 |
| Credit loss provision to net charge-offs | 164.8858% | 1,620 |
| Earnings coverage of net charge-offs (x) | 2.7561% | 4,052 |
| Efficiency ratio | 49.2641% | 6,636 |
| Assets per employee ($millions) | 4.0877% | 3,769 |
| Cash dividends to net income (ytd only)* | 29.5712% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0170% | 651 |
| Loan loss allowance to noncurrent loans | 54.7192% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 5.4306% | 691 |
| Noncurrent loans to loans | 5.5136% | 668 |
| Net loans and leases to total assets | 74.7714% | 1,083 |
| Net loans and leases to deposits | 88.8765% | 1,180 |
| Net loans and leases to core deposits | 95.8079% | 1,319 |
| Total domestic deposits to total assets | 84.1296% | 4,258 |
| Equity capital to assets | 10.7663% | 3,210 |
| Core capital (leverage) ratio | 11.0578% | 2,208 |
| Tier 1 risk-based capital ratio | 13.5249% | 4,733 |
| Total risk-based capital ratio | 14.7957% | 4,666 |
| Memoranda: | ||
| Average total assets | $291,443,600 | 2,193 |
| Average earning assets | $250,140,200 | 2,324 |
| Average equity | $32,400,000 | 2,126 |
| Average total loans | $230,810,200 | 1,762 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2968% | 179 |
| Cost of funding earning assets | 1.1739% | 784 |
| Net interest margin | 5.1229% | 325 |
| Noninterest income to average assets | 0.7388% | 2,532 |
| Noninterest expense to average assets | 2.5363% | 4,970 |
| Loan and lease loss provision to assets | 1.7441% | 168 |
| Net operating income to assets | 0.5747% | 4,495 |
| Return on assets (ROA) | 0.5877% | 4,718 |
| Pretax return on assets | 0.8774% | 4,203 |
| Return on Equity (ROE) | 5.2425% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.4156% | 3,785 |
| Net charge-offs to loans | 0.9333% | 1,161 |
| Credit loss provision to net charge-offs | 234.3088% | 1,183 |
| Earnings coverage of net charge-offs (x) | 3.4956% | 3,621 |
| Efficiency ratio | 49.3596% | 6,635 |
| Assets per employee ($millions) | 3.9028% | 4,081 |
| Cash dividends to net income (ytd only)* | 15.7729% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1941% | 601 |
| Loan loss allowance to noncurrent loans | 72.2569% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 4.7532% | 951 |
| Noncurrent loans to loans | 4.4205% | 1,078 |
| Net loans and leases to total assets | 77.9358% | 739 |
| Net loans and leases to deposits | 93.4249% | 833 |
| Net loans and leases to core deposits | 101.1174% | 1,043 |
| Total domestic deposits to total assets | 83.4207% | 4,472 |
| Equity capital to assets | 11.1558% | 3,086 |
| Core capital (leverage) ratio | 11.1207% | 2,282 |
| Tier 1 risk-based capital ratio | 13.5890% | 4,829 |
| Total risk-based capital ratio | 14.8625% | 4,765 |
| Memoranda: | ||
| Average total assets | $287,660,250 | 2,250 |
| Average earning assets | $247,039,750 | 2,377 |
| Average equity | $32,248,250 | 2,153 |
| Average total loans | $229,422,000 | 1,786 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3520% | 177 |
| Cost of funding earning assets | 1.1844% | 881 |
| Net interest margin | 5.1676% | 311 |
| Noninterest income to average assets | 0.7490% | 2,418 |
| Noninterest expense to average assets | 2.6142% | 4,728 |
| Loan and lease loss provision to assets | 1.8323% | 174 |
| Net operating income to assets | 0.5054% | 4,794 |
| Return on assets (ROA) | 0.5077% | 5,046 |
| Pretax return on assets | 0.7455% | 4,679 |
| Return on Equity (ROE) | 4.5215% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.2759% | 4,431 |
| Net charge-offs to loans | 0.4671% | 2,197 |
| Credit loss provision to net charge-offs | 493.4087% | 614 |
| Earnings coverage of net charge-offs (x) | 6.9322% | 2,559 |
| Efficiency ratio | 50.3841% | 6,619 |
| Assets per employee ($millions) | 3.8568% | 4,176 |
| Cash dividends to net income (ytd only)* | 27.5482% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2241% | 629 |
| Loan loss allowance to noncurrent loans | 75.5342% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 4.6056% | 1,062 |
| Noncurrent loans to loans | 4.2684% | 1,269 |
| Net loans and leases to total assets | 77.4015% | 794 |
| Net loans and leases to deposits | 92.8234% | 862 |
| Net loans and leases to core deposits | 101.1859% | 1,028 |
| Total domestic deposits to total assets | 83.3858% | 4,580 |
| Equity capital to assets | 11.1067% | 3,011 |
| Core capital (leverage) ratio | 11.0512% | 2,252 |
| Tier 1 risk-based capital ratio | 13.5972% | 4,743 |
| Total risk-based capital ratio | 14.8709% | 4,695 |
| Memoranda: | ||
| Average total assets | $285,977,330 | 2,263 |
| Average earning assets | $245,686,670 | 2,391 |
| Average equity | $32,113,000 | 2,145 |
| Average total loans | $227,345,330 | 1,798 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5283% | 154 |
| Cost of funding earning assets | 1.1724% | 1,096 |
| Net interest margin | 5.3559% | 226 |
| Noninterest income to average assets | 0.7639% | 2,328 |
| Noninterest expense to average assets | 2.4548% | 5,304 |
| Loan and lease loss provision to assets | 0.7386% | 689 |
| Net operating income to assets | 1.3967% | 1,229 |
| Return on assets (ROA) | 1.4012% | 1,371 |
| Pretax return on assets | 2.1918% | 544 |
| Return on Equity (ROE) | 12.4089% | 1,551 |
| Retained earnings to average equity (ytd only) | 12.4089% | 766 |
| Net charge-offs to loans | 0.1562% | 3,158 |
| Credit loss provision to net charge-offs | 596.5909% | 574 |
| Earnings coverage of net charge-offs (x) | 23.6136% | 1,090 |
| Efficiency ratio | 45.6448% | 6,918 |
| Assets per employee ($millions) | 3.8748% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5377% | 1,300 |
| Loan loss allowance to noncurrent loans | 109.0516% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 3.1864% | 1,817 |
| Noncurrent loans to loans | 2.3271% | 2,782 |
| Net loans and leases to total assets | 76.7415% | 727 |
| Net loans and leases to deposits | 92.4071% | 769 |
| Net loans and leases to core deposits | 101.1039% | 920 |
| Total domestic deposits to total assets | 83.0472% | 4,906 |
| Equity capital to assets | 11.2174% | 2,700 |
| Core capital (leverage) ratio | 11.3535% | 1,998 |
| Tier 1 risk-based capital ratio | 13.9040% | 4,527 |
| Total risk-based capital ratio | 15.1695% | 4,497 |
| Memoranda: | ||
| Average total assets | $284,337,000 | 2,287 |
| Average earning assets | $244,964,000 | 2,411 |
| Average equity | $32,106,000 | 2,144 |
| Average total loans | $225,343,500 | 1,822 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4706% | 188 |
| Cost of funding earning assets | 1.4964% | 732 |
| Net interest margin | 4.9742% | 429 |
| Noninterest income to average assets | 0.6786% | 2,734 |
| Noninterest expense to average assets | 2.6194% | 5,020 |
| Loan and lease loss provision to assets | 1.0187% | 926 |
| Net operating income to assets | 0.8613% | 2,765 |
| Return on assets (ROA) | 0.8621% | 2,910 |
| Pretax return on assets | 1.2950% | 2,148 |
| Return on Equity (ROE) | 7.7164% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.0569% | 1,480 |
| Net charge-offs to loans | 1.1205% | 1,531 |
| Credit loss provision to net charge-offs | 113.3197% | 2,903 |
| Earnings coverage of net charge-offs (x) | 2.5725% | 3,930 |
| Efficiency ratio | 53.1112% | 6,602 |
| Assets per employee ($millions) | 3.8620% | 4,178 |
| Cash dividends to net income (ytd only)* | 8.5470% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4204% | 1,427 |
| Loan loss allowance to noncurrent loans | 78.0977% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 3.8063% | 1,519 |
| Noncurrent loans to loans | 3.0993% | 2,084 |
| Net loans and leases to total assets | 77.8567% | 723 |
| Net loans and leases to deposits | 93.6546% | 834 |
| Net loans and leases to core deposits | 101.1768% | 1,080 |
| Total domestic deposits to total assets | 83.1318% | 4,695 |
| Equity capital to assets | 11.3690% | 2,620 |
| Core capital (leverage) ratio | 11.4017% | 1,968 |
| Tier 1 risk-based capital ratio | 13.7970% | 4,484 |
| Total risk-based capital ratio | 15.0605% | 4,428 |
| Memoranda: | ||
| Average total assets | $271,434,800 | 2,327 |
| Average earning assets | $232,096,600 | 2,489 |
| Average equity | $30,325,000 | 2,171 |
| Average total loans | $217,759,600 | 1,888 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4793% | 199 |
| Cost of funding earning assets | 1.5336% | 763 |
| Net interest margin | 4.9456% | 461 |
| Noninterest income to average assets | 0.7092% | 2,549 |
| Noninterest expense to average assets | 2.6609% | 4,867 |
| Loan and lease loss provision to assets | 1.1441% | 704 |
| Net operating income to assets | 0.7461% | 3,401 |
| Return on assets (ROA) | 0.7468% | 3,560 |
| Pretax return on assets | 1.1239% | 2,914 |
| Return on Equity (ROE) | 6.7147% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.8260% | 2,656 |
| Net charge-offs to loans | 0.7394% | 2,084 |
| Credit loss provision to net charge-offs | 192.5957% | 1,516 |
| Earnings coverage of net charge-offs (x) | 3.8161% | 3,286 |
| Efficiency ratio | 53.9966% | 6,491 |
| Assets per employee ($millions) | 3.8831% | 4,113 |
| Cash dividends to net income (ytd only)* | 13.2362% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8280% | 1,008 |
| Loan loss allowance to noncurrent loans | 75.6976% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 4.5056% | 1,331 |
| Noncurrent loans to loans | 3.7359% | 1,819 |
| Net loans and leases to total assets | 77.8452% | 721 |
| Net loans and leases to deposits | 93.5628% | 876 |
| Net loans and leases to core deposits | 101.4314% | 1,124 |
| Total domestic deposits to total assets | 83.2011% | 4,607 |
| Equity capital to assets | 11.3257% | 2,836 |
| Core capital (leverage) ratio | 11.3262% | 2,140 |
| Tier 1 risk-based capital ratio | 13.6843% | 4,587 |
| Total risk-based capital ratio | 14.9531% | 4,540 |
| Memoranda: | ||
| Average total assets | $269,778,000 | 2,356 |
| Average earning assets | $230,122,750 | 2,511 |
| Average equity | $30,003,000 | 2,199 |
| Average total loans | $216,734,500 | 1,906 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4714% | 212 |
| Cost of funding earning assets | 1.5851% | 744 |
| Net interest margin | 4.8863% | 504 |
| Noninterest income to average assets | 0.7120% | 2,483 |
| Noninterest expense to average assets | 2.6704% | 4,937 |
| Loan and lease loss provision to assets | 1.2635% | 598 |
| Net operating income to assets | 0.6288% | 3,914 |
| Return on assets (ROA) | 0.6288% | 4,037 |
| Pretax return on assets | 0.9320% | 3,498 |
| Return on Equity (ROE) | 5.6889% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.3440% | 3,429 |
| Net charge-offs to loans | 0.4723% | 2,689 |
| Credit loss provision to net charge-offs | 332.6810% | 920 |
| Earnings coverage of net charge-offs (x) | 5.7808% | 2,529 |
| Efficiency ratio | 54.8801% | 6,523 |
| Assets per employee ($millions) | 3.9948% | 3,765 |
| Cash dividends to net income (ytd only)* | 23.6407% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8983% | 983 |
| Loan loss allowance to noncurrent loans | 117.1364% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 3.5064% | 1,879 |
| Noncurrent loans to loans | 2.4743% | 2,913 |
| Net loans and leases to total assets | 78.0333% | 777 |
| Net loans and leases to deposits | 93.2718% | 924 |
| Net loans and leases to core deposits | 101.2213% | 1,239 |
| Total domestic deposits to total assets | 83.6622% | 4,481 |
| Equity capital to assets | 11.2322% | 2,737 |
| Core capital (leverage) ratio | 11.0517% | 2,202 |
| Tier 1 risk-based capital ratio | 13.5576% | 4,481 |
| Total risk-based capital ratio | 14.8272% | 4,449 |
| Memoranda: | ||
| Average total assets | $269,099,000 | 2,375 |
| Average earning assets | $228,761,330 | 2,543 |
| Average equity | $29,742,330 | 2,199 |
| Average total loans | $216,395,000 | 1,937 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4020% | 243 |
| Cost of funding earning assets | 1.5817% | 868 |
| Net interest margin | 4.8202% | 548 |
| Noninterest income to average assets | 0.7027% | 2,561 |
| Noninterest expense to average assets | 2.5765% | 5,309 |
| Loan and lease loss provision to assets | 1.0377% | 725 |
| Net operating income to assets | 0.7857% | 3,099 |
| Return on assets (ROA) | 0.7857% | 3,167 |
| Pretax return on assets | 1.1860% | 2,430 |
| Return on Equity (ROE) | 7.1665% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.1665% | 2,078 |
| Net charge-offs to loans | 0.8312% | 1,581 |
| Credit loss provision to net charge-offs | 155.2106% | 1,848 |
| Earnings coverage of net charge-offs (x) | 3.3259% | 2,777 |
| Efficiency ratio | 53.6751% | 6,722 |
| Assets per employee ($millions) | 4.5887% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4401% | 1,551 |
| Loan loss allowance to noncurrent loans | 79.3703% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 4.0557% | 1,651 |
| Noncurrent loans to loans | 3.0743% | 2,441 |
| Net loans and leases to total assets | 76.8803% | 890 |
| Net loans and leases to deposits | 91.2566% | 1,085 |
| Net loans and leases to core deposits | 101.2310% | 1,256 |
| Total domestic deposits to total assets | 84.2463% | 4,391 |
| Equity capital to assets | 10.8423% | 2,837 |
| Core capital (leverage) ratio | 11.0093% | 2,182 |
| Tier 1 risk-based capital ratio | 13.1534% | 4,708 |
| Total risk-based capital ratio | 14.4169% | 4,669 |
| Memoranda: | ||
| Average total assets | $269,823,500 | 2,394 |
| Average earning assets | $229,366,500 | 2,552 |
| Average equity | $29,582,000 | 2,201 |
| Average total loans | $217,047,500 | 1,948 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8561% | 181 |
| Cost of funding earning assets | 1.8215% | 1,091 |
| Net interest margin | 5.0346% | 396 |
| Noninterest income to average assets | 0.7352% | 2,621 |
| Noninterest expense to average assets | 2.6264% | 5,307 |
| Loan and lease loss provision to assets | 1.0328% | 1,564 |
| Net operating income to assets | 0.9060% | 2,358 |
| Return on assets (ROA) | 0.9070% | 2,494 |
| Pretax return on assets | 1.3691% | 1,741 |
| Return on Equity (ROE) | 8.3025% | 2,580 |
| Retained earnings to average equity (ytd only) | 6.2015% | 1,714 |
| Net charge-offs to loans | 1.9819% | 1,023 |
| Credit loss provision to net charge-offs | 62.6450% | 6,036 |
| Earnings coverage of net charge-offs (x) | 1.4559% | 4,663 |
| Efficiency ratio | 52.2487% | 6,974 |
| Assets per employee ($millions) | 4.4055% | 3,017 |
| Cash dividends to net income (ytd only)* | 25.3058% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 1,661 |
| Loan loss allowance to noncurrent loans | 69.1380% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 4.1252% | 1,636 |
| Noncurrent loans to loans | 3.3606% | 2,263 |
| Net loans and leases to total assets | 80.2374% | 637 |
| Net loans and leases to deposits | 95.8313% | 881 |
| Net loans and leases to core deposits | 107.7261% | 1,074 |
| Total domestic deposits to total assets | 83.7278% | 4,491 |
| Equity capital to assets | 11.0896% | 2,609 |
| Core capital (leverage) ratio | 11.0731% | 2,103 |
| Tier 1 risk-based capital ratio | 13.0977% | 4,524 |
| Total risk-based capital ratio | 14.3603% | 4,476 |
| Memoranda: | ||
| Average total assets | $261,421,200 | 2,442 |
| Average earning assets | $222,837,400 | 2,597 |
| Average equity | $28,557,600 | 2,274 |
| Average total loans | $217,464,800 | 1,988 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8675% | 178 |
| Cost of funding earning assets | 1.8344% | 1,284 |
| Net interest margin | 5.0331% | 401 |
| Noninterest income to average assets | 0.7493% | 2,509 |
| Noninterest expense to average assets | 2.5214% | 5,631 |
| Loan and lease loss provision to assets | 1.0229% | 1,444 |
| Net operating income to assets | 0.9913% | 2,267 |
| Return on assets (ROA) | 0.9917% | 2,380 |
| Pretax return on assets | 1.4980% | 1,627 |
| Return on Equity (ROE) | 9.1131% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.1731% | 1,361 |
| Net charge-offs to loans | 0.8991% | 2,200 |
| Credit loss provision to net charge-offs | 136.3327% | 2,939 |
| Earnings coverage of net charge-offs (x) | 3.3592% | 3,480 |
| Efficiency ratio | 50.0101% | 7,151 |
| Assets per employee ($millions) | 4.4211% | 3,043 |
| Cash dividends to net income (ytd only)* | 10.3146% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2850% | 648 |
| Loan loss allowance to noncurrent loans | 95.1927% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 4.2984% | 1,583 |
| Noncurrent loans to loans | 3.4509% | 2,307 |
| Net loans and leases to total assets | 79.7793% | 788 |
| Net loans and leases to deposits | 95.4336% | 1,053 |
| Net loans and leases to core deposits | 111.0922% | 976 |
| Total domestic deposits to total assets | 83.5967% | 4,323 |
| Equity capital to assets | 11.0777% | 2,879 |
| Core capital (leverage) ratio | 11.0861% | 2,201 |
| Tier 1 risk-based capital ratio | 12.9409% | 4,619 |
| Total risk-based capital ratio | 14.2146% | 4,585 |
| Memoranda: | ||
| Average total assets | $260,694,500 | 2,479 |
| Average earning assets | $222,335,000 | 2,639 |
| Average equity | $28,368,750 | 2,324 |
| Average total loans | $217,547,250 | 2,016 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8324% | 193 |
| Cost of funding earning assets | 1.8462% | 1,449 |
| Net interest margin | 4.9862% | 434 |
| Noninterest income to average assets | 0.7539% | 2,369 |
| Noninterest expense to average assets | 2.5211% | 5,642 |
| Loan and lease loss provision to assets | 1.2347% | 1,137 |
| Net operating income to assets | 0.8429% | 2,760 |
| Return on assets (ROA) | 0.8435% | 2,914 |
| Pretax return on assets | 1.2694% | 2,189 |
| Return on Equity (ROE) | 7.7988% | 2,962 |
| Retained earnings to average equity (ytd only) | 6.3717% | 2,133 |
| Net charge-offs to loans | 0.6264% | 2,660 |
| Credit loss provision to net charge-offs | 235.2941% | 1,639 |
| Earnings coverage of net charge-offs (x) | 4.7706% | 2,849 |
| Efficiency ratio | 50.1766% | 7,211 |
| Assets per employee ($millions) | 4.3716% | 3,091 |
| Cash dividends to net income (ytd only)* | 18.2983% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4440% | 572 |
| Loan loss allowance to noncurrent loans | 92.8650% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 4.3234% | 1,542 |
| Noncurrent loans to loans | 3.7086% | 2,109 |
| Net loans and leases to total assets | 80.9665% | 674 |
| Net loans and leases to deposits | 96.8828% | 967 |
| Net loans and leases to core deposits | 111.3668% | 1,072 |
| Total domestic deposits to total assets | 83.5716% | 4,302 |
| Equity capital to assets | 10.8683% | 3,000 |
| Core capital (leverage) ratio | 10.9375% | 2,284 |
| Tier 1 risk-based capital ratio | 12.6641% | 4,718 |
| Total risk-based capital ratio | 13.9406% | 4,671 |
| Memoranda: | ||
| Average total assets | $259,171,670 | 2,515 |
| Average earning assets | $221,972,670 | 2,664 |
| Average equity | $28,030,000 | 2,332 |
| Average total loans | $217,125,330 | 2,056 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6274% | 296 |
| Cost of funding earning assets | 1.8565% | 1,627 |
| Net interest margin | 4.7709% | 683 |
| Noninterest income to average assets | 0.7779% | 2,132 |
| Noninterest expense to average assets | 2.5387% | 5,582 |
| Loan and lease loss provision to assets | 1.3198% | 910 |
| Net operating income to assets | 0.6785% | 3,531 |
| Return on assets (ROA) | 0.6785% | 3,648 |
| Pretax return on assets | 1.0093% | 3,055 |
| Return on Equity (ROE) | 6.2897% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.2897% | 2,472 |
| Net charge-offs to loans | 0.3226% | 3,122 |
| Credit loss provision to net charge-offs | 488.5057% | 870 |
| Earnings coverage of net charge-offs (x) | 8.6207% | 1,938 |
| Efficiency ratio | 52.1531% | 7,135 |
| Assets per employee ($millions) | 4.7253% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3996% | 583 |
| Loan loss allowance to noncurrent loans | 84.3322% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 4.3999% | 1,543 |
| Noncurrent loans to loans | 4.0311% | 1,937 |
| Net loans and leases to total assets | 80.1544% | 826 |
| Net loans and leases to deposits | 98.8029% | 841 |
| Net loans and leases to core deposits | 112.9097% | 1,104 |
| Total domestic deposits to total assets | 81.1256% | 5,409 |
| Equity capital to assets | 10.7787% | 2,970 |
| Core capital (leverage) ratio | 10.8369% | 2,347 |
| Tier 1 risk-based capital ratio | 12.7820% | 4,502 |
| Total risk-based capital ratio | 14.0580% | 4,443 |
| Memoranda: | ||
| Average total assets | $257,610,000 | 2,582 |
| Average earning assets | $220,841,000 | 2,729 |
| Average equity | $27,791,500 | 2,386 |
| Average total loans | $215,715,000 | 2,118 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0738% | 250 |
| Cost of funding earning assets | 2.3728% | 1,384 |
| Net interest margin | 4.7010% | 832 |
| Noninterest income to average assets | 0.7868% | 2,470 |
| Noninterest expense to average assets | 2.6807% | 5,481 |
| Loan and lease loss provision to assets | 1.6681% | 1,374 |
| Net operating income to assets | 0.4207% | 4,045 |
| Return on assets (ROA) | 0.4269% | 4,126 |
| Pretax return on assets | 0.5690% | 3,988 |
| Return on Equity (ROE) | 3.6728% | 4,219 |
| Retained earnings to average equity (ytd only) | 1.5228% | 4,006 |
| Net charge-offs to loans | 1.0906% | 2,236 |
| Credit loss provision to net charge-offs | 181.9627% | 2,266 |
| Earnings coverage of net charge-offs (x) | 2.4312% | 3,910 |
| Efficiency ratio | 54.6025% | 7,165 |
| Assets per employee ($millions) | 4.6423% | 2,701 |
| Cash dividends to net income (ytd only)* | 58.5366% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0841% | 726 |
| Loan loss allowance to noncurrent loans | 77.3118% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 4.3376% | 1,507 |
| Noncurrent loans to loans | 3.9892% | 1,857 |
| Net loans and leases to total assets | 81.9060% | 695 |
| Net loans and leases to deposits | 101.3954% | 797 |
| Net loans and leases to core deposits | 195.9237% | 112 |
| Total domestic deposits to total assets | 80.7788% | 5,412 |
| Equity capital to assets | 10.7979% | 2,872 |
| Core capital (leverage) ratio | 10.8794% | 2,294 |
| Tier 1 risk-based capital ratio | 12.6389% | 4,407 |
| Total risk-based capital ratio | 13.9115% | 4,330 |
| Memoranda: | ||
| Average total assets | $240,087,200 | 2,717 |
| Average earning assets | $210,550,400 | 2,833 |
| Average equity | $27,908,200 | 2,383 |
| Average total loans | $201,823,000 | 2,281 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0998% | 261 |
| Cost of funding earning assets | 2.3907% | 1,663 |
| Net interest margin | 4.7090% | 819 |
| Noninterest income to average assets | 0.7906% | 2,480 |
| Noninterest expense to average assets | 2.6889% | 5,375 |
| Loan and lease loss provision to assets | 0.7195% | 2,579 |
| Net operating income to assets | 1.0024% | 2,047 |
| Return on assets (ROA) | 1.0095% | 2,083 |
| Pretax return on assets | 1.5377% | 1,308 |
| Return on Equity (ROE) | 8.5210% | 2,441 |
| Retained earnings to average equity (ytd only) | 7.5684% | 1,282 |
| Net charge-offs to loans | 0.5096% | 3,184 |
| Credit loss provision to net charge-offs | 168.2058% | 2,780 |
| Earnings coverage of net charge-offs (x) | 5.2520% | 2,886 |
| Efficiency ratio | 54.4820% | 7,182 |
| Assets per employee ($millions) | 4.5284% | 2,820 |
| Cash dividends to net income (ytd only)* | 11.1794% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5667% | 1,001 |
| Loan loss allowance to noncurrent loans | 51.7847% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 5.1364% | 1,133 |
| Noncurrent loans to loans | 4.9564% | 1,345 |
| Net loans and leases to total assets | 81.8163% | 842 |
| Net loans and leases to deposits | 101.4159% | 973 |
| Net loans and leases to core deposits | 193.8407% | 119 |
| Total domestic deposits to total assets | 80.6740% | 5,195 |
| Equity capital to assets | 11.5613% | 2,540 |
| Core capital (leverage) ratio | 11.7274% | 1,951 |
| Tier 1 risk-based capital ratio | 13.5352% | 3,821 |
| Total risk-based capital ratio | 14.8010% | 3,747 |
| Memoranda: | ||
| Average total assets | $236,277,000 | 2,765 |
| Average earning assets | $207,963,500 | 2,882 |
| Average equity | $27,992,750 | 2,392 |
| Average total loans | $198,332,750 | 2,337 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1470% | 253 |
| Cost of funding earning assets | 2.4298% | 1,847 |
| Net interest margin | 4.7172% | 776 |
| Noninterest income to average assets | 0.7896% | 2,464 |
| Noninterest expense to average assets | 2.7145% | 5,329 |
| Loan and lease loss provision to assets | 0.5819% | 2,697 |
| Net operating income to assets | 1.0870% | 1,817 |
| Return on assets (ROA) | 1.0887% | 1,889 |
| Pretax return on assets | 1.6628% | 1,085 |
| Return on Equity (ROE) | 9.1108% | 2,320 |
| Retained earnings to average equity (ytd only) | 7.6681% | 1,328 |
| Net charge-offs to loans | 0.3533% | 3,420 |
| Credit loss provision to net charge-offs | 196.2209% | 2,325 |
| Earnings coverage of net charge-offs (x) | 7.5610% | 2,429 |
| Efficiency ratio | 54.7652% | 7,252 |
| Assets per employee ($millions) | 4.3790% | 2,970 |
| Cash dividends to net income (ytd only)* | 15.8353% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5737% | 841 |
| Loan loss allowance to noncurrent loans | 63.8020% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 4.3555% | 1,317 |
| Noncurrent loans to loans | 4.0339% | 1,673 |
| Net loans and leases to total assets | 81.4469% | 1,063 |
| Net loans and leases to deposits | 103.1189% | 979 |
| Net loans and leases to core deposits | 183.0448% | 196 |
| Total domestic deposits to total assets | 78.9835% | 5,819 |
| Equity capital to assets | 11.7151% | 2,377 |
| Core capital (leverage) ratio | 11.8959% | 1,875 |
| Tier 1 risk-based capital ratio | 13.8085% | 3,623 |
| Total risk-based capital ratio | 15.0689% | 3,558 |
| Memoranda: | ||
| Average total assets | $232,014,670 | 2,834 |
| Average earning assets | $204,952,000 | 2,936 |
| Average equity | $27,725,330 | 2,424 |
| Average total loans | $194,729,330 | 2,401 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2065% | 253 |
| Cost of funding earning assets | 2.4579% | 2,077 |
| Net interest margin | 4.7486% | 688 |
| Noninterest income to average assets | 0.7909% | 2,377 |
| Noninterest expense to average assets | 2.6116% | 5,408 |
| Loan and lease loss provision to assets | 0.4833% | 2,545 |
| Net operating income to assets | 1.2320% | 1,555 |
| Return on assets (ROA) | 1.2320% | 1,667 |
| Pretax return on assets | 1.8893% | 818 |
| Return on Equity (ROE) | 10.2036% | 2,241 |
| Retained earnings to average equity (ytd only) | 10.2036% | 1,140 |
| Net charge-offs to loans | 0.0940% | 4,238 |
| Credit loss provision to net charge-offs | 611.1111% | 930 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,054 |
| Efficiency ratio | 52.3977% | 7,372 |
| Assets per employee ($millions) | 4.2036% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6071% | 680 |
| Loan loss allowance to noncurrent loans | 60.4305% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 4.1003% | 1,240 |
| Noncurrent loans to loans | 4.3143% | 1,355 |
| Net loans and leases to total assets | 82.0965% | 1,001 |
| Net loans and leases to deposits | 100.7944% | 1,303 |
| Net loans and leases to core deposits | 172.5550% | 305 |
| Total domestic deposits to total assets | 81.4494% | 4,768 |
| Equity capital to assets | 12.0450% | 2,229 |
| Core capital (leverage) ratio | 12.0963% | 1,857 |
| Tier 1 risk-based capital ratio | 14.1948% | 3,479 |
| Total risk-based capital ratio | 15.4614% | 3,400 |
| Memoranda: | ||
| Average total assets | $227,600,000 | 2,897 |
| Average earning assets | $200,986,000 | 3,007 |
| Average equity | $27,480,500 | 2,456 |
| Average total loans | $191,423,000 | 2,457 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9609% | 203 |
| Cost of funding earning assets | 3.2048% | 1,178 |
| Net interest margin | 4.7561% | 856 |
| Noninterest income to average assets | 0.8955% | 1,973 |
| Noninterest expense to average assets | 2.9224% | 4,370 |
| Loan and lease loss provision to assets | 0.8996% | 1,662 |
| Net operating income to assets | 0.8894% | 3,042 |
| Return on assets (ROA) | 0.8941% | 2,867 |
| Pretax return on assets | 1.2500% | 2,482 |
| Return on Equity (ROE) | 7.1961% | 3,435 |
| Retained earnings to average equity (ytd only) | 4.9520% | 2,059 |
| Net charge-offs to loans | 0.7300% | 1,693 |
| Credit loss provision to net charge-offs | 150.3106% | 3,491 |
| Earnings coverage of net charge-offs (x) | 3.5807% | 4,303 |
| Efficiency ratio | 57.6920% | 6,753 |
| Assets per employee ($millions) | 4.0727% | 3,363 |
| Cash dividends to net income (ytd only)* | 31.1850% | 4,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5809% | 629 |
| Loan loss allowance to noncurrent loans | 77.3314% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 3.3000% | 1,369 |
| Noncurrent loans to loans | 3.3374% | 1,552 |
| Net loans and leases to total assets | 81.7442% | 1,274 |
| Net loans and leases to deposits | 104.9950% | 1,232 |
| Net loans and leases to core deposits | 170.4891% | 387 |
| Total domestic deposits to total assets | 77.8554% | 5,762 |
| Equity capital to assets | 12.1040% | 2,230 |
| Core capital (leverage) ratio | 12.1573% | 1,899 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,385 |
| Total risk-based capital ratio | 15.5843% | 3,296 |
| Memoranda: | ||
| Average total assets | $215,197,400 | 2,936 |
| Average earning assets | $188,685,000 | 3,063 |
| Average equity | $26,736,800 | 2,498 |
| Average total loans | $176,436,200 | 2,544 |