Home > Willamette Valley Bank > Performance and Condition Ratios
Willamette Valley 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 | 5.4304% | 1,258 |
| Cost of funding earning assets | 1.1292% | 2,989 |
| Net interest margin | 4.3012% | 811 |
| Noninterest income to average assets | 4.2200% | 142 |
| Noninterest expense to average assets | 6.8519% | 146 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9594% | 2,339 |
| Return on assets (ROA) | 0.9594% | 2,332 |
| Pretax return on assets | 1.2677% | 1,964 |
| Return on Equity (ROE) | 5.2300% | 3,685 |
| Retained earnings to average equity (ytd only) | -0.0883% | 4,092 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.1084% | 713 |
| Assets per employee ($millions) | 2.8901% | 4,398 |
| Cash dividends to net income (ytd only)* | 101.6873% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,403 |
| Loan loss allowance to noncurrent loans | 285.6109% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 1,827 |
| Noncurrent loans to loans | 0.3437% | 1,950 |
| Net loans and leases to total assets | 80.4000% | 594 |
| Net loans and leases to deposits | 101.8026% | 443 |
| Net loans and leases to core deposits | 111.1099% | 915 |
| Total domestic deposits to total assets | 78.9800% | 3,616 |
| Equity capital to assets | 18.3216% | 331 |
| Core capital (leverage) ratio | 18.5552% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $395,362,600 | 2,027 |
| Average earning assets | $370,172,400 | 2,007 |
| Average equity | $72,482,400 | 1,214 |
| Average total loans | $307,562,400 | 1,762 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 1,308 |
| Cost of funding earning assets | 0.9996% | 3,043 |
| Net interest margin | 4.2836% | 820 |
| Noninterest income to average assets | 4.5700% | 135 |
| Noninterest expense to average assets | 7.0433% | 143 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0866% | 2,095 |
| Return on assets (ROA) | 1.0866% | 2,083 |
| Pretax return on assets | 1.4388% | 1,694 |
| Return on Equity (ROE) | 5.9300% | 3,653 |
| Retained earnings to average equity (ytd only) | 0.0110% | 4,109 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.0612% | 727 |
| Assets per employee ($millions) | 2.5191% | 4,445 |
| Cash dividends to net income (ytd only)* | 99.8137% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 3,669 |
| Loan loss allowance to noncurrent loans | 112.1212% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 867 |
| Noncurrent loans to loans | 0.8209% | 1,005 |
| Net loans and leases to total assets | 79.5500% | 698 |
| Net loans and leases to deposits | 100.4701% | 489 |
| Net loans and leases to core deposits | 106.5199% | 991 |
| Total domestic deposits to total assets | 79.1800% | 3,659 |
| Equity capital to assets | 18.0159% | 341 |
| Core capital (leverage) ratio | 18.7165% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $395,219,000 | 2,025 |
| Average earning assets | $370,394,750 | 2,006 |
| Average equity | $72,467,500 | 1,210 |
| Average total loans | $304,076,500 | 1,779 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 1,214 |
| Cost of funding earning assets | 0.8004% | 3,202 |
| Net interest margin | 4.3973% | 712 |
| Noninterest income to average assets | 4.9300% | 122 |
| Noninterest expense to average assets | 7.2620% | 143 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2978% | 1,575 |
| Return on assets (ROA) | 1.2978% | 1,561 |
| Pretax return on assets | 1.7293% | 1,150 |
| Return on Equity (ROE) | 7.0400% | 3,471 |
| Retained earnings to average equity (ytd only) | -0.0524% | 4,107 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.2584% | 823 |
| Assets per employee ($millions) | 2.3660% | 4,488 |
| Cash dividends to net income (ytd only)* | 100.7442% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 3,865 |
| Loan loss allowance to noncurrent loans | 99.7124% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 711 |
| Noncurrent loans to loans | 0.8694% | 873 |
| Net loans and leases to total assets | 82.7700% | 347 |
| Net loans and leases to deposits | 107.7532% | 255 |
| Net loans and leases to core deposits | 116.8734% | 608 |
| Total domestic deposits to total assets | 76.8100% | 3,971 |
| Equity capital to assets | 18.8916% | 308 |
| Core capital (leverage) ratio | 19.2928% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $393,447,000 | 2,028 |
| Average earning assets | $368,813,667 | 2,016 |
| Average equity | $72,570,000 | 1,208 |
| Average total loans | $298,238,000 | 1,788 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 1,052 |
| Cost of funding earning assets | 0.5339% | 3,582 |
| Net interest margin | 4.5950% | 509 |
| Noninterest income to average assets | 4.3800% | 139 |
| Noninterest expense to average assets | 6.8533% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3741% | 1,474 |
| Return on assets (ROA) | 1.3741% | 1,448 |
| Pretax return on assets | 1.8368% | 1,010 |
| Return on Equity (ROE) | 7.5400% | 3,402 |
| Retained earnings to average equity (ytd only) | 0.4570% | 3,953 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.8635% | 919 |
| Assets per employee ($millions) | 2.3518% | 4,556 |
| Cash dividends to net income (ytd only)* | 93.9372% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 3,812 |
| Loan loss allowance to noncurrent loans | 186.9993% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 1,428 |
| Noncurrent loans to loans | 0.4899% | 1,492 |
| Net loans and leases to total assets | 72.8400% | 1,337 |
| Net loans and leases to deposits | 92.3518% | 894 |
| Net loans and leases to core deposits | 100.0932% | 1,082 |
| Total domestic deposits to total assets | 78.8800% | 3,906 |
| Equity capital to assets | 18.3791% | 290 |
| Core capital (leverage) ratio | 18.7695% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $398,524,500 | 2,047 |
| Average earning assets | $373,885,000 | 2,022 |
| Average equity | $72,650,000 | 1,214 |
| Average total loans | $287,353,500 | 1,852 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 1,071 |
| Cost of funding earning assets | 0.2302% | 3,516 |
| Net interest margin | 4.0593% | 716 |
| Noninterest income to average assets | 7.6400% | 114 |
| Noninterest expense to average assets | 9.1813% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6953% | 543 |
| Return on assets (ROA) | 1.6953% | 514 |
| Pretax return on assets | 2.2319% | 298 |
| Return on Equity (ROE) | 9.5500% | 2,954 |
| Retained earnings to average equity (ytd only) | -4.1578% | 4,552 |
| Net charge-offs to loans | -0.0192% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.4446% | 683 |
| Assets per employee ($millions) | 2.2207% | 4,598 |
| Cash dividends to net income (ytd only)* | 143.5438% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,640 |
| Loan loss allowance to noncurrent loans | 216.5989% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 1,632 |
| Noncurrent loans to loans | 0.4324% | 1,628 |
| Net loans and leases to total assets | 70.0500% | 1,638 |
| Net loans and leases to deposits | 88.1661% | 1,165 |
| Net loans and leases to core deposits | 94.0656% | 1,295 |
| Total domestic deposits to total assets | 79.4600% | 3,946 |
| Equity capital to assets | 18.0840% | 285 |
| Core capital (leverage) ratio | 18.0586% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $411,127,400 | 1,983 |
| Average earning assets | $382,233,600 | 1,979 |
| Average equity | $72,995,600 | 1,211 |
| Average total loans | $291,043,000 | 1,765 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 1,159 |
| Cost of funding earning assets | 0.2261% | 2,975 |
| Net interest margin | 3.8250% | 911 |
| Noninterest income to average assets | 8.8500% | 109 |
| Noninterest expense to average assets | 9.9918% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8289% | 402 |
| Return on assets (ROA) | 1.8289% | 393 |
| Pretax return on assets | 2.4088% | 236 |
| Return on Equity (ROE) | 10.3500% | 2,623 |
| Retained earnings to average equity (ytd only) | -5.5797% | 4,617 |
| Net charge-offs to loans | -0.0032% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.5753% | 737 |
| Assets per employee ($millions) | 2.2828% | 4,629 |
| Cash dividends to net income (ytd only)* | 153.9235% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 3,862 |
| Loan loss allowance to noncurrent loans | 275.7384% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,108 |
| Noncurrent loans to loans | 0.3257% | 2,069 |
| Net loans and leases to total assets | 68.2900% | 1,644 |
| Net loans and leases to deposits | 84.3117% | 1,276 |
| Net loans and leases to core deposits | 89.4277% | 1,334 |
| Total domestic deposits to total assets | 81.0000% | 3,977 |
| Equity capital to assets | 17.1605% | 313 |
| Core capital (leverage) ratio | 17.2526% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $413,422,500 | 1,988 |
| Average earning assets | $383,330,750 | 1,989 |
| Average equity | $73,072,500 | 1,222 |
| Average total loans | $292,744,000 | 1,749 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 1,237 |
| Cost of funding earning assets | 0.2315% | 2,482 |
| Net interest margin | 3.6019% | 1,062 |
| Noninterest income to average assets | 10.1492% | 58 |
| Noninterest expense to average assets | 10.7860% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0616% | 202 |
| Return on assets (ROA) | 2.0616% | 205 |
| Pretax return on assets | 2.6838% | 135 |
| Return on Equity (ROE) | 11.5486% | 1,817 |
| Retained earnings to average equity (ytd only) | -8.7918% | 4,639 |
| Net charge-offs to loans | -0.0034% | 3,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0752% | 941 |
| Assets per employee ($millions) | 2.1235% | 4,689 |
| Cash dividends to net income (ytd only)* | 176.1286% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,856 |
| Loan loss allowance to noncurrent loans | 254.7317% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 2,096 |
| Noncurrent loans to loans | 0.3663% | 2,054 |
| Net loans and leases to total assets | 66.6093% | 1,621 |
| Net loans and leases to deposits | 83.0030% | 1,182 |
| Net loans and leases to core deposits | 88.5419% | 1,194 |
| Total domestic deposits to total assets | 80.2493% | 4,205 |
| Equity capital to assets | 17.3668% | 256 |
| Core capital (leverage) ratio | 17.7645% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,457,333 | 2,008 |
| Average earning assets | $378,410,000 | 2,030 |
| Average equity | $73,272,667 | 1,255 |
| Average total loans | $293,315,333 | 1,737 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 1,320 |
| Cost of funding earning assets | 0.2422% | 2,246 |
| Net interest margin | 3.4362% | 1,218 |
| Noninterest income to average assets | 11.5922% | 54 |
| Noninterest expense to average assets | 11.3115% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.5889% | 112 |
| Return on assets (ROA) | 2.5889% | 110 |
| Pretax return on assets | 3.4270% | 81 |
| Return on Equity (ROE) | 14.3042% | 772 |
| Retained earnings to average equity (ytd only) | -19.1735% | 4,693 |
| Net charge-offs to loans | -0.0040% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7479% | 1,441 |
| Assets per employee ($millions) | 1.8023% | 4,727 |
| Cash dividends to net income (ytd only)* | 234.0409% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,063 |
| Loan loss allowance to noncurrent loans | 338.2620% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,497 |
| Noncurrent loans to loans | 0.2636% | 2,531 |
| Net loans and leases to total assets | 71.1766% | 907 |
| Net loans and leases to deposits | 88.6127% | 585 |
| Net loans and leases to core deposits | 94.6578% | 706 |
| Total domestic deposits to total assets | 80.3233% | 4,264 |
| Equity capital to assets | 17.7799% | 236 |
| Core capital (leverage) ratio | 17.9068% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,584,500 | 2,030 |
| Average earning assets | $373,205,000 | 2,058 |
| Average equity | $73,768,500 | 1,276 |
| Average total loans | $300,052,500 | 1,700 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 1,640 |
| Cost of funding earning assets | 0.3044% | 2,369 |
| Net interest margin | 3.5861% | 1,507 |
| Noninterest income to average assets | 19.8481% | 38 |
| Noninterest expense to average assets | 15.4350% | 43 |
| Loan and lease loss provision to assets | 0.0289% | 2,478 |
| Net operating income to assets | 5.8249% | 36 |
| Return on assets (ROA) | 5.8249% | 36 |
| Pretax return on assets | 7.6922% | 36 |
| Return on Equity (ROE) | 33.4555% | 52 |
| Retained earnings to average equity (ytd only) | 15.5404% | 196 |
| Net charge-offs to loans | -0.0032% | 3,451 |
| Credit loss provision to net charge-offs | -1,130.0000% | 3,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6563% | 2,171 |
| Assets per employee ($millions) | 1.7656% | 4,775 |
| Cash dividends to net income (ytd only)* | 53.5491% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 4,185 |
| Loan loss allowance to noncurrent loans | 185.2774% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 1,848 |
| Noncurrent loans to loans | 0.4571% | 1,990 |
| Net loans and leases to total assets | 74.7765% | 603 |
| Net loans and leases to deposits | 94.2777% | 373 |
| Net loans and leases to core deposits | 102.7374% | 442 |
| Total domestic deposits to total assets | 79.3152% | 4,281 |
| Equity capital to assets | 18.4176% | 240 |
| Core capital (leverage) ratio | 18.4462% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,358,800 | 2,023 |
| Average earning assets | $360,089,200 | 2,043 |
| Average equity | $67,965,000 | 1,383 |
| Average total loans | $314,371,800 | 1,648 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 1,707 |
| Cost of funding earning assets | 0.3157% | 2,448 |
| Net interest margin | 3.6034% | 1,595 |
| Noninterest income to average assets | 21.5042% | 38 |
| Noninterest expense to average assets | 16.0327% | 42 |
| Loan and lease loss provision to assets | 0.0391% | 2,212 |
| Net operating income to assets | 6.4678% | 38 |
| Return on assets (ROA) | 6.4678% | 37 |
| Pretax return on assets | 8.7638% | 31 |
| Return on Equity (ROE) | 37.7240% | 46 |
| Retained earnings to average equity (ytd only) | 15.7190% | 317 |
| Net charge-offs to loans | -0.0034% | 3,333 |
| Credit loss provision to net charge-offs | -1,412.5000% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5553% | 2,309 |
| Assets per employee ($millions) | 1.7493% | 4,851 |
| Cash dividends to net income (ytd only)* | 58.3316% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 4,297 |
| Loan loss allowance to noncurrent loans | 322.5527% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 2,783 |
| Noncurrent loans to loans | 0.2589% | 2,895 |
| Net loans and leases to total assets | 77.1653% | 461 |
| Net loans and leases to deposits | 97.2828% | 297 |
| Net loans and leases to core deposits | 107.0202% | 390 |
| Total domestic deposits to total assets | 79.3206% | 4,316 |
| Equity capital to assets | 18.0437% | 273 |
| Core capital (leverage) ratio | 18.3854% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,986,000 | 2,062 |
| Average earning assets | $356,838,250 | 2,070 |
| Average equity | $66,177,250 | 1,424 |
| Average total loans | $316,069,500 | 1,666 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 1,621 |
| Cost of funding earning assets | 0.3303% | 2,485 |
| Net interest margin | 3.6484% | 1,471 |
| Noninterest income to average assets | 22.5756% | 38 |
| Noninterest expense to average assets | 16.6358% | 40 |
| Loan and lease loss provision to assets | 0.0593% | 1,844 |
| Net operating income to assets | 6.8414% | 33 |
| Return on assets (ROA) | 6.8414% | 32 |
| Pretax return on assets | 9.2717% | 28 |
| Return on Equity (ROE) | 40.6500% | 40 |
| Retained earnings to average equity (ytd only) | 10.5078% | 1,251 |
| Net charge-offs to loans | -0.0031% | 3,302 |
| Credit loss provision to net charge-offs | -2,260.0000% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0657% | 2,420 |
| Assets per employee ($millions) | 1.7038% | 4,892 |
| Cash dividends to net income (ytd only)* | 74.1505% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 4,203 |
| Loan loss allowance to noncurrent loans | 317.5824% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 2,847 |
| Noncurrent loans to loans | 0.2782% | 2,940 |
| Net loans and leases to total assets | 77.4958% | 480 |
| Net loans and leases to deposits | 98.1114% | 312 |
| Net loans and leases to core deposits | 108.9983% | 391 |
| Total domestic deposits to total assets | 78.9876% | 4,345 |
| Equity capital to assets | 17.9725% | 266 |
| Core capital (leverage) ratio | 18.0024% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,118,667 | 2,075 |
| Average earning assets | $354,236,333 | 2,076 |
| Average equity | $64,142,667 | 1,445 |
| Average total loans | $317,520,000 | 1,665 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 1,787 |
| Cost of funding earning assets | 0.3344% | 2,667 |
| Net interest margin | 3.5848% | 1,623 |
| Noninterest income to average assets | 24.5198% | 35 |
| Noninterest expense to average assets | 17.2284% | 40 |
| Loan and lease loss provision to assets | 0.1179% | 1,159 |
| Net operating income to assets | 7.6262% | 37 |
| Return on assets (ROA) | 7.6262% | 37 |
| Pretax return on assets | 10.5171% | 30 |
| Return on Equity (ROE) | 46.8755% | 38 |
| Retained earnings to average equity (ytd only) | -11.0937% | 4,833 |
| Net charge-offs to loans | -0.0036% | 3,277 |
| Credit loss provision to net charge-offs | -3,766.6667% | 3,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8317% | 2,787 |
| Assets per employee ($millions) | 1.6905% | 4,921 |
| Cash dividends to net income (ytd only)* | 123.6662% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,324 |
| Loan loss allowance to noncurrent loans | 308.1851% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,020 |
| Noncurrent loans to loans | 0.2728% | 3,127 |
| Net loans and leases to total assets | 82.3852% | 211 |
| Net loans and leases to deposits | 105.2893% | 182 |
| Net loans and leases to core deposits | 117.9916% | 265 |
| Total domestic deposits to total assets | 78.2465% | 4,413 |
| Equity capital to assets | 16.7751% | 332 |
| Core capital (leverage) ratio | 17.3808% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,413,000 | 2,048 |
| Average earning assets | $357,616,500 | 2,050 |
| Average equity | $62,378,000 | 1,469 |
| Average total loans | $329,082,000 | 1,634 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 1,936 |
| Cost of funding earning assets | 0.5890% | 2,393 |
| Net interest margin | 3.6875% | 1,846 |
| Noninterest income to average assets | 26.2644% | 35 |
| Noninterest expense to average assets | 18.0846% | 41 |
| Loan and lease loss provision to assets | 0.1924% | 2,031 |
| Net operating income to assets | 8.4629% | 25 |
| Return on assets (ROA) | 8.4629% | 25 |
| Pretax return on assets | 11.4167% | 22 |
| Return on Equity (ROE) | 60.7718% | 15 |
| Retained earnings to average equity (ytd only) | 50.2157% | 7 |
| Net charge-offs to loans | -0.0033% | 4,049 |
| Credit loss provision to net charge-offs | -6,570.0000% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9039% | 3,330 |
| Assets per employee ($millions) | 1.8541% | 4,931 |
| Cash dividends to net income (ytd only)* | 17.3701% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 4,572 |
| Loan loss allowance to noncurrent loans | 292.4617% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,217 |
| Noncurrent loans to loans | 0.2431% | 3,323 |
| Net loans and leases to total assets | 87.7868% | 47 |
| Net loans and leases to deposits | 129.0254% | 45 |
| Net loans and leases to core deposits | 145.8515% | 101 |
| Total domestic deposits to total assets | 68.0384% | 4,814 |
| Equity capital to assets | 15.7926% | 454 |
| Core capital (leverage) ratio | 17.1019% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,560,800 | 2,088 |
| Average earning assets | $317,640,400 | 2,087 |
| Average equity | $47,564,800 | 1,773 |
| Average total loans | $304,013,200 | 1,668 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,128 |
| Cost of funding earning assets | 0.6697% | 2,202 |
| Net interest margin | 3.6214% | 2,190 |
| Noninterest income to average assets | 26.1496% | 36 |
| Noninterest expense to average assets | 17.8363% | 41 |
| Loan and lease loss provision to assets | 0.2486% | 1,627 |
| Net operating income to assets | 8.4648% | 24 |
| Return on assets (ROA) | 8.4648% | 26 |
| Pretax return on assets | 11.4298% | 24 |
| Return on Equity (ROE) | 63.3397% | 14 |
| Retained earnings to average equity (ytd only) | 50.1051% | 13 |
| Net charge-offs to loans | -0.0036% | 3,980 |
| Credit loss provision to net charge-offs | -7,650.0000% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4319% | 3,325 |
| Assets per employee ($millions) | 1.8615% | 4,966 |
| Cash dividends to net income (ytd only)* | 20.8945% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7073% | 4,569 |
| Loan loss allowance to noncurrent loans | 275.1412% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,293 |
| Noncurrent loans to loans | 0.2571% | 3,383 |
| Net loans and leases to total assets | 89.1366% | 57 |
| Net loans and leases to deposits | 133.3510% | 43 |
| Net loans and leases to core deposits | 152.0530% | 108 |
| Total domestic deposits to total assets | 66.8436% | 4,833 |
| Equity capital to assets | 14.3341% | 776 |
| Core capital (leverage) ratio | 16.3669% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,221,500 | 2,125 |
| Average earning assets | $304,993,750 | 2,129 |
| Average equity | $43,864,000 | 1,870 |
| Average total loans | $292,724,250 | 1,712 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 2,273 |
| Cost of funding earning assets | 0.7921% | 1,864 |
| Net interest margin | 3.5804% | 2,545 |
| Noninterest income to average assets | 22.6891% | 39 |
| Noninterest expense to average assets | 16.7350% | 42 |
| Loan and lease loss provision to assets | 0.3654% | 1,147 |
| Net operating income to assets | 6.5803% | 24 |
| Return on assets (ROA) | 6.5803% | 24 |
| Pretax return on assets | 8.9153% | 24 |
| Return on Equity (ROE) | 50.7582% | 13 |
| Retained earnings to average equity (ytd only) | 30.6302% | 29 |
| Net charge-offs to loans | -0.0036% | 3,921 |
| Credit loss provision to net charge-offs | -11,320.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3267% | 2,777 |
| Assets per employee ($millions) | 1.8194% | 5,000 |
| Cash dividends to net income (ytd only)* | 39.6547% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,456 |
| Loan loss allowance to noncurrent loans | 264.2303% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 3,291 |
| Noncurrent loans to loans | 0.2848% | 3,361 |
| Net loans and leases to total assets | 89.1596% | 42 |
| Net loans and leases to deposits | 122.3630% | 82 |
| Net loans and leases to core deposits | 140.4955% | 163 |
| Total domestic deposits to total assets | 72.8648% | 4,657 |
| Equity capital to assets | 12.6454% | 1,314 |
| Core capital (leverage) ratio | 13.7737% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,805,333 | 2,197 |
| Average earning assets | $287,841,000 | 2,203 |
| Average equity | $40,163,000 | 1,991 |
| Average total loans | $275,550,000 | 1,764 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 2,482 |
| Cost of funding earning assets | 0.9000% | 1,867 |
| Net interest margin | 3.5383% | 2,855 |
| Noninterest income to average assets | 16.4816% | 42 |
| Noninterest expense to average assets | 14.6760% | 53 |
| Loan and lease loss provision to assets | 0.5412% | 537 |
| Net operating income to assets | 3.3474% | 50 |
| Return on assets (ROA) | 3.3474% | 49 |
| Pretax return on assets | 4.5381% | 39 |
| Return on Equity (ROE) | 25.4380% | 61 |
| Retained earnings to average equity (ytd only) | -11.7171% | 4,820 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2887% | 1,774 |
| Assets per employee ($millions) | 1.6100% | 5,050 |
| Cash dividends to net income (ytd only)* | 146.0614% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 4,362 |
| Loan loss allowance to noncurrent loans | 239.6308% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 3,256 |
| Noncurrent loans to loans | 0.3417% | 3,271 |
| Net loans and leases to total assets | 86.9364% | 99 |
| Net loans and leases to deposits | 117.1193% | 103 |
| Net loans and leases to core deposits | 150.0848% | 113 |
| Total domestic deposits to total assets | 74.2290% | 4,643 |
| Equity capital to assets | 12.1530% | 1,956 |
| Core capital (leverage) ratio | 14.0151% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,225,000 | 2,275 |
| Average earning assets | $266,681,000 | 2,278 |
| Average equity | $37,927,500 | 2,074 |
| Average total loans | $254,780,500 | 1,829 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 1,473 |
| Cost of funding earning assets | 0.9608% | 1,904 |
| Net interest margin | 4.0417% | 1,704 |
| Noninterest income to average assets | 17.6637% | 42 |
| Noninterest expense to average assets | 15.0509% | 45 |
| Loan and lease loss provision to assets | 0.1265% | 1,682 |
| Net operating income to assets | 4.6490% | 44 |
| Return on assets (ROA) | 4.6490% | 47 |
| Pretax return on assets | 6.2777% | 38 |
| Return on Equity (ROE) | 36.5383% | 26 |
| Retained earnings to average equity (ytd only) | 26.1087% | 18 |
| Net charge-offs to loans | -0.0046% | 4,336 |
| Credit loss provision to net charge-offs | -3,280.0000% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1508% | 2,143 |
| Assets per employee ($millions) | 1.4230% | 5,116 |
| Cash dividends to net income (ytd only)* | 28.5442% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 4,431 |
| Loan loss allowance to noncurrent loans | 190.8517% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 2,989 |
| Noncurrent loans to loans | 0.3962% | 3,019 |
| Net loans and leases to total assets | 88.5702% | 74 |
| Net loans and leases to deposits | 107.2737% | 253 |
| Net loans and leases to core deposits | 138.0200% | 187 |
| Total domestic deposits to total assets | 82.5648% | 3,341 |
| Equity capital to assets | 14.3092% | 996 |
| Core capital (leverage) ratio | 14.4604% | 810 |
| Tier 1 risk-based capital ratio | 17.5002% | 1,891 |
| Total risk-based capital ratio | 18.3256% | 1,968 |
| Memoranda: | ||
| Average total assets | $259,300,800 | 2,398 |
| Average earning assets | $243,238,200 | 2,381 |
| Average equity | $32,992,800 | 2,238 |
| Average total loans | $216,478,800 | 2,048 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 1,483 |
| Cost of funding earning assets | 0.9536% | 1,981 |
| Net interest margin | 4.0700% | 1,700 |
| Noninterest income to average assets | 17.3387% | 41 |
| Noninterest expense to average assets | 14.8152% | 47 |
| Loan and lease loss provision to assets | 0.0986% | 1,945 |
| Net operating income to assets | 4.6286% | 41 |
| Return on assets (ROA) | 4.6286% | 43 |
| Pretax return on assets | 6.2505% | 36 |
| Return on Equity (ROE) | 37.6037% | 22 |
| Retained earnings to average equity (ytd only) | 23.9208% | 28 |
| Net charge-offs to loans | -0.0051% | 4,208 |
| Credit loss provision to net charge-offs | -2,375.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0010% | 2,114 |
| Assets per employee ($millions) | 1.4270% | 5,193 |
| Cash dividends to net income (ytd only)* | 36.3871% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 4,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 87.7729% | 105 |
| Net loans and leases to deposits | 105.2916% | 346 |
| Net loans and leases to core deposits | 137.2495% | 211 |
| Total domestic deposits to total assets | 83.3618% | 3,039 |
| Equity capital to assets | 13.3901% | 1,410 |
| Core capital (leverage) ratio | 13.6667% | 1,089 |
| Tier 1 risk-based capital ratio | 16.9631% | 2,097 |
| Total risk-based capital ratio | 17.7621% | 2,198 |
| Memoranda: | ||
| Average total assets | $256,891,500 | 2,436 |
| Average earning assets | $241,467,000 | 2,410 |
| Average equity | $31,620,250 | 2,332 |
| Average total loans | $210,595,000 | 2,097 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 1,452 |
| Cost of funding earning assets | 0.9202% | 2,050 |
| Net interest margin | 4.0921% | 1,633 |
| Noninterest income to average assets | 15.4159% | 46 |
| Noninterest expense to average assets | 13.6926% | 47 |
| Loan and lease loss provision to assets | 0.1496% | 1,224 |
| Net operating income to assets | 4.0268% | 52 |
| Return on assets (ROA) | 4.0268% | 56 |
| Pretax return on assets | 5.4210% | 44 |
| Return on Equity (ROE) | 33.7472% | 27 |
| Retained earnings to average equity (ytd only) | 14.4159% | 201 |
| Net charge-offs to loans | -0.0049% | 4,118 |
| Credit loss provision to net charge-offs | -3,800.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0818% | 2,060 |
| Assets per employee ($millions) | 1.4442% | 5,240 |
| Cash dividends to net income (ytd only)* | 57.2825% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 4,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 84.2344% | 340 |
| Net loans and leases to deposits | 100.2463% | 657 |
| Net loans and leases to core deposits | 127.5801% | 357 |
| Total domestic deposits to total assets | 84.0274% | 2,847 |
| Equity capital to assets | 12.4685% | 1,875 |
| Core capital (leverage) ratio | 12.4867% | 1,542 |
| Tier 1 risk-based capital ratio | 15.9790% | 2,422 |
| Total risk-based capital ratio | 16.8125% | 2,531 |
| Memoranda: | ||
| Average total assets | $254,049,000 | 2,463 |
| Average earning assets | $238,852,330 | 2,439 |
| Average equity | $30,313,670 | 2,385 |
| Average total loans | $202,580,000 | 2,169 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 1,849 |
| Cost of funding earning assets | 0.8691% | 2,164 |
| Net interest margin | 3.9503% | 2,019 |
| Noninterest income to average assets | 12.6112% | 51 |
| Noninterest expense to average assets | 12.3293% | 50 |
| Loan and lease loss provision to assets | 0.3009% | 425 |
| Net operating income to assets | 2.7576% | 108 |
| Return on assets (ROA) | 2.7576% | 117 |
| Pretax return on assets | 3.7032% | 80 |
| Return on Equity (ROE) | 23.6517% | 126 |
| Retained earnings to average equity (ytd only) | -11.5338% | 5,148 |
| Net charge-offs to loans | -0.0041% | 3,974 |
| Credit loss provision to net charge-offs | -9,500.0000% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4849% | 1,558 |
| Assets per employee ($millions) | 1.5257% | 5,295 |
| Cash dividends to net income (ytd only)* | 148.7651% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 4,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 75.9448% | 1,492 |
| Net loans and leases to deposits | 88.1842% | 1,847 |
| Net loans and leases to core deposits | 102.3503% | 1,433 |
| Total domestic deposits to total assets | 86.1207% | 2,219 |
| Equity capital to assets | 10.9946% | 2,855 |
| Core capital (leverage) ratio | 11.8578% | 1,864 |
| Tier 1 risk-based capital ratio | 14.4367% | 3,127 |
| Total risk-based capital ratio | 15.2671% | 3,247 |
| Memoranda: | ||
| Average total assets | $252,537,500 | 2,488 |
| Average earning assets | $237,954,500 | 2,472 |
| Average equity | $29,444,000 | 2,441 |
| Average total loans | $194,762,500 | 2,251 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 1,314 |
| Cost of funding earning assets | 0.7981% | 1,528 |
| Net interest margin | 4.0944% | 1,698 |
| Noninterest income to average assets | 15.3945% | 45 |
| Noninterest expense to average assets | 14.4827% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 3.5126% | 59 |
| Return on assets (ROA) | 3.5126% | 59 |
| Pretax return on assets | 4.7459% | 47 |
| Return on Equity (ROE) | 29.6506% | 41 |
| Retained earnings to average equity (ytd only) | 20.9540% | 31 |
| Net charge-offs to loans | -0.0152% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3185% | 1,451 |
| Assets per employee ($millions) | 1.4103% | 5,348 |
| Cash dividends to net income (ytd only)* | 29.3305% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 4,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.0992% | 1,427 |
| Net loans and leases to deposits | 90.4241% | 1,743 |
| Net loans and leases to core deposits | 107.3176% | 1,173 |
| Total domestic deposits to total assets | 85.2640% | 2,524 |
| Equity capital to assets | 12.3790% | 1,645 |
| Core capital (leverage) ratio | 12.5190% | 1,446 |
| Tier 1 risk-based capital ratio | 16.3866% | 2,276 |
| Total risk-based capital ratio | 17.1974% | 2,367 |
| Memoranda: | ||
| Average total assets | $224,509,200 | 2,658 |
| Average earning assets | $210,239,200 | 2,635 |
| Average equity | $26,596,400 | 2,532 |
| Average total loans | $177,378,400 | 2,352 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 1,334 |
| Cost of funding earning assets | 0.7699% | 1,484 |
| Net interest margin | 4.0636% | 1,745 |
| Noninterest income to average assets | 16.6273% | 43 |
| Noninterest expense to average assets | 15.2186% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.8611% | 52 |
| Return on assets (ROA) | 3.8611% | 52 |
| Pretax return on assets | 5.2026% | 43 |
| Return on Equity (ROE) | 32.9986% | 30 |
| Retained earnings to average equity (ytd only) | 22.2163% | 41 |
| Net charge-offs to loans | -0.0183% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5237% | 1,519 |
| Assets per employee ($millions) | 1.3602% | 5,420 |
| Cash dividends to net income (ytd only)* | 32.6751% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 4,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 76.7715% | 1,542 |
| Net loans and leases to deposits | 89.8545% | 1,926 |
| Net loans and leases to core deposits | 106.1742% | 1,296 |
| Total domestic deposits to total assets | 85.4398% | 2,433 |
| Equity capital to assets | 12.1446% | 1,807 |
| Core capital (leverage) ratio | 12.3435% | 1,583 |
| Tier 1 risk-based capital ratio | 15.6661% | 2,580 |
| Total risk-based capital ratio | 16.4742% | 2,697 |
| Memoranda: | ||
| Average total assets | $220,347,000 | 2,706 |
| Average earning assets | $205,725,500 | 2,687 |
| Average equity | $25,782,250 | 2,595 |
| Average total loans | $174,871,000 | 2,390 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 1,305 |
| Cost of funding earning assets | 0.7272% | 1,488 |
| Net interest margin | 4.0534% | 1,689 |
| Noninterest income to average assets | 15.8330% | 44 |
| Noninterest expense to average assets | 14.7687% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.5940% | 55 |
| Return on assets (ROA) | 3.5940% | 56 |
| Pretax return on assets | 4.8328% | 44 |
| Return on Equity (ROE) | 31.1460% | 30 |
| Retained earnings to average equity (ytd only) | 16.1927% | 151 |
| Net charge-offs to loans | -0.0244% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3447% | 1,515 |
| Assets per employee ($millions) | 1.2740% | 5,487 |
| Cash dividends to net income (ytd only)* | 48.0103% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 2,667 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.0892% | 1,152 |
| Net loans and leases to deposits | 91.7806% | 1,610 |
| Net loans and leases to core deposits | 108.4400% | 1,092 |
| Total domestic deposits to total assets | 86.1720% | 2,204 |
| Equity capital to assets | 11.7265% | 2,040 |
| Core capital (leverage) ratio | 11.9652% | 1,736 |
| Tier 1 risk-based capital ratio | 15.0023% | 2,872 |
| Total risk-based capital ratio | 15.8416% | 2,991 |
| Memoranda: | ||
| Average total assets | $215,360,670 | 2,767 |
| Average earning assets | $200,227,000 | 2,756 |
| Average equity | $24,850,670 | 2,675 |
| Average total loans | $172,454,000 | 2,425 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 1,856 |
| Cost of funding earning assets | 0.6896% | 1,499 |
| Net interest margin | 3.8134% | 2,366 |
| Noninterest income to average assets | 14.0368% | 48 |
| Noninterest expense to average assets | 14.1809% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.5240% | 139 |
| Return on assets (ROA) | 2.5240% | 141 |
| Pretax return on assets | 3.4002% | 86 |
| Return on Equity (ROE) | 22.0643% | 164 |
| Retained earnings to average equity (ytd only) | -4.9897% | 5,204 |
| Net charge-offs to loans | -0.0071% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6601% | 1,070 |
| Assets per employee ($millions) | 1.3164% | 5,549 |
| Cash dividends to net income (ytd only)* | 122.6146% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 4,519 |
| Loan loss allowance to noncurrent loans | 870.0599% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,423 |
| Noncurrent loans to loans | 0.1015% | 4,517 |
| Net loans and leases to total assets | 75.0970% | 1,694 |
| Net loans and leases to deposits | 86.2584% | 2,136 |
| Net loans and leases to core deposits | 101.9291% | 1,535 |
| Total domestic deposits to total assets | 87.0605% | 2,098 |
| Equity capital to assets | 11.0399% | 2,540 |
| Core capital (leverage) ratio | 11.6704% | 1,878 |
| Tier 1 risk-based capital ratio | 14.4240% | 3,157 |
| Total risk-based capital ratio | 15.2980% | 3,270 |
| Memoranda: | ||
| Average total assets | $210,931,500 | 2,836 |
| Average earning assets | $196,045,000 | 2,820 |
| Average equity | $24,129,500 | 2,761 |
| Average total loans | $169,279,000 | 2,484 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 1,340 |
| Cost of funding earning assets | 0.5408% | 2,022 |
| Net interest margin | 4.0969% | 1,451 |
| Noninterest income to average assets | 15.8284% | 45 |
| Noninterest expense to average assets | 14.7347% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.8137% | 87 |
| Return on assets (ROA) | 2.8137% | 86 |
| Pretax return on assets | 4.9154% | 49 |
| Return on Equity (ROE) | 24.0601% | 79 |
| Retained earnings to average equity (ytd only) | 15.3516% | 81 |
| Net charge-offs to loans | -0.0061% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9854% | 1,763 |
| Assets per employee ($millions) | 1.2192% | 5,614 |
| Cash dividends to net income (ytd only)* | 36.1947% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,723 |
| Loan loss allowance to noncurrent loans | 852.9412% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 2,283 |
| Noncurrent loans to loans | 0.0977% | 4,556 |
| Net loans and leases to total assets | 84.2359% | 425 |
| Net loans and leases to deposits | 97.9445% | 909 |
| Net loans and leases to core deposits | 115.9393% | 723 |
| Total domestic deposits to total assets | 86.0037% | 2,433 |
| Equity capital to assets | 11.9376% | 1,872 |
| Core capital (leverage) ratio | 12.2390% | 1,478 |
| Tier 1 risk-based capital ratio | 14.5888% | 3,048 |
| Total risk-based capital ratio | 15.4539% | 3,146 |
| Memoranda: | ||
| Average total assets | $191,276,400 | 3,003 |
| Average earning assets | $178,427,000 | 2,978 |
| Average equity | $22,369,000 | 2,915 |
| Average total loans | $163,366,000 | 2,501 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 1,412 |
| Cost of funding earning assets | 0.5078% | 2,202 |
| Net interest margin | 4.0766% | 1,459 |
| Noninterest income to average assets | 15.8318% | 49 |
| Noninterest expense to average assets | 14.5630% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 3.1259% | 73 |
| Return on assets (ROA) | 3.1259% | 72 |
| Pretax return on assets | 5.0745% | 51 |
| Return on Equity (ROE) | 26.8817% | 52 |
| Retained earnings to average equity (ytd only) | 16.3365% | 87 |
| Net charge-offs to loans | -0.0066% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1589% | 1,870 |
| Assets per employee ($millions) | 1.2527% | 5,677 |
| Cash dividends to net income (ytd only)* | 39.2281% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,779 |
| Loan loss allowance to noncurrent loans | 832.1839% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 2,141 |
| Noncurrent loans to loans | 0.1014% | 4,658 |
| Net loans and leases to total assets | 83.2881% | 513 |
| Net loans and leases to deposits | 102.4166% | 589 |
| Net loans and leases to core deposits | 120.4452% | 577 |
| Total domestic deposits to total assets | 81.3228% | 3,965 |
| Equity capital to assets | 11.6036% | 2,274 |
| Core capital (leverage) ratio | 12.1058% | 1,622 |
| Tier 1 risk-based capital ratio | 14.1511% | 3,376 |
| Total risk-based capital ratio | 15.0159% | 3,478 |
| Memoranda: | ||
| Average total assets | $187,887,500 | 3,070 |
| Average earning assets | $175,402,500 | 3,035 |
| Average equity | $21,848,250 | 2,991 |
| Average total loans | $160,709,500 | 2,558 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,643 |
| Cost of funding earning assets | 0.4793% | 2,332 |
| Net interest margin | 3.9763% | 1,689 |
| Noninterest income to average assets | 14.5650% | 52 |
| Noninterest expense to average assets | 14.1155% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.6023% | 118 |
| Return on assets (ROA) | 2.6023% | 116 |
| Pretax return on assets | 4.1600% | 68 |
| Return on Equity (ROE) | 22.3614% | 122 |
| Retained earnings to average equity (ytd only) | 8.2513% | 1,073 |
| Net charge-offs to loans | -0.0064% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2373% | 1,554 |
| Assets per employee ($millions) | 1.2026% | 5,733 |
| Cash dividends to net income (ytd only)* | 63.1003% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,786 |
| Loan loss allowance to noncurrent loans | 811.7978% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 2,094 |
| Noncurrent loans to loans | 0.1060% | 4,703 |
| Net loans and leases to total assets | 85.9798% | 274 |
| Net loans and leases to deposits | 110.6041% | 250 |
| Net loans and leases to core deposits | 125.7482% | 401 |
| Total domestic deposits to total assets | 77.7365% | 4,858 |
| Equity capital to assets | 11.3076% | 2,490 |
| Core capital (leverage) ratio | 12.4244% | 1,403 |
| Tier 1 risk-based capital ratio | 13.5893% | 3,645 |
| Total risk-based capital ratio | 14.4862% | 3,761 |
| Memoranda: | ||
| Average total assets | $182,451,330 | 3,129 |
| Average earning assets | $170,256,670 | 3,105 |
| Average equity | $21,233,000 | 3,049 |
| Average total loans | $157,106,330 | 2,602 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,621 |
| Cost of funding earning assets | 0.4969% | 2,114 |
| Net interest margin | 3.9120% | 1,738 |
| Noninterest income to average assets | 12.4475% | 56 |
| Noninterest expense to average assets | 12.9360% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9811% | 315 |
| Return on assets (ROA) | 1.9811% | 327 |
| Pretax return on assets | 3.1616% | 116 |
| Return on Equity (ROE) | 16.7631% | 436 |
| Retained earnings to average equity (ytd only) | -4.3630% | 5,347 |
| Net charge-offs to loans | -0.0079% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3597% | 1,337 |
| Assets per employee ($millions) | 1.0796% | 5,804 |
| Cash dividends to net income (ytd only)* | 126.0274% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 4,551 |
| Loan loss allowance to noncurrent loans | 797.2376% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.9319% | 1,977 |
| Noncurrent loans to loans | 0.1192% | 4,714 |
| Net loans and leases to total assets | 84.9581% | 290 |
| Net loans and leases to deposits | 98.5727% | 720 |
| Net loans and leases to core deposits | 110.9767% | 832 |
| Total domestic deposits to total assets | 86.1882% | 2,586 |
| Equity capital to assets | 11.7417% | 2,005 |
| Core capital (leverage) ratio | 11.9834% | 1,645 |
| Tier 1 risk-based capital ratio | 13.7875% | 3,609 |
| Total risk-based capital ratio | 14.7445% | 3,693 |
| Memoranda: | ||
| Average total assets | $176,870,500 | 3,223 |
| Average earning assets | $165,031,000 | 3,205 |
| Average equity | $20,903,000 | 3,091 |
| Average total loans | $151,703,000 | 2,677 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 1,079 |
| Cost of funding earning assets | 0.5555% | 1,637 |
| Net interest margin | 4.1332% | 1,297 |
| Noninterest income to average assets | 13.1284% | 55 |
| Noninterest expense to average assets | 12.9118% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.5394% | 137 |
| Return on assets (ROA) | 2.5394% | 139 |
| Pretax return on assets | 4.0669% | 62 |
| Return on Equity (ROE) | 22.2235% | 139 |
| Retained earnings to average equity (ytd only) | 18.5464% | 61 |
| Net charge-offs to loans | -0.0069% | 4,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0468% | 1,974 |
| Assets per employee ($millions) | 1.1938% | 5,856 |
| Cash dividends to net income (ytd only)* | 16.5459% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 4,581 |
| Loan loss allowance to noncurrent loans | 778.3784% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 1,945 |
| Noncurrent loans to loans | 0.1221% | 4,746 |
| Net loans and leases to total assets | 84.9532% | 303 |
| Net loans and leases to deposits | 98.2620% | 804 |
| Net loans and leases to core deposits | 110.6041% | 858 |
| Total domestic deposits to total assets | 86.4559% | 2,395 |
| Equity capital to assets | 11.8949% | 1,880 |
| Core capital (leverage) ratio | 11.8120% | 1,716 |
| Tier 1 risk-based capital ratio | 14.2475% | 3,318 |
| Total risk-based capital ratio | 15.2236% | 3,393 |
| Memoranda: | ||
| Average total assets | $168,505,200 | 3,303 |
| Average earning assets | $156,973,800 | 3,280 |
| Average equity | $19,254,400 | 3,243 |
| Average total loans | $145,719,400 | 2,699 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 1,077 |
| Cost of funding earning assets | 0.5571% | 1,630 |
| Net interest margin | 4.1376% | 1,282 |
| Noninterest income to average assets | 12.9222% | 56 |
| Noninterest expense to average assets | 12.6755% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6280% | 137 |
| Return on assets (ROA) | 2.6280% | 137 |
| Pretax return on assets | 4.0954% | 68 |
| Return on Equity (ROE) | 23.2519% | 120 |
| Retained earnings to average equity (ytd only) | 20.9487% | 45 |
| Net charge-offs to loans | -0.0065% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5803% | 2,030 |
| Assets per employee ($millions) | 1.2794% | 5,924 |
| Cash dividends to net income (ytd only)* | 9.9055% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 4,726 |
| Loan loss allowance to noncurrent loans | 760.3175% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.9452% | 2,197 |
| Noncurrent loans to loans | 0.1231% | 4,850 |
| Net loans and leases to total assets | 84.9170% | 334 |
| Net loans and leases to deposits | 97.8752% | 867 |
| Net loans and leases to core deposits | 111.4727% | 836 |
| Total domestic deposits to total assets | 86.7605% | 2,001 |
| Equity capital to assets | 11.3904% | 2,611 |
| Core capital (leverage) ratio | 11.7381% | 1,853 |
| Tier 1 risk-based capital ratio | 14.6025% | 3,232 |
| Total risk-based capital ratio | 15.6310% | 3,272 |
| Memoranda: | ||
| Average total assets | $166,459,250 | 3,344 |
| Average earning assets | $154,835,750 | 3,327 |
| Average equity | $18,813,750 | 3,320 |
| Average total loans | $144,263,500 | 2,716 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 929 |
| Cost of funding earning assets | 0.5574% | 1,642 |
| Net interest margin | 4.2187% | 1,079 |
| Noninterest income to average assets | 11.8996% | 56 |
| Noninterest expense to average assets | 12.3138% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.2091% | 225 |
| Return on assets (ROA) | 2.2091% | 239 |
| Pretax return on assets | 3.5047% | 90 |
| Return on Equity (ROE) | 19.6015% | 258 |
| Retained earnings to average equity (ytd only) | 19.6015% | 62 |
| Net charge-offs to loans | -0.0071% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8445% | 1,814 |
| Assets per employee ($millions) | 1.3386% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 4,664 |
| Loan loss allowance to noncurrent loans | 747.3958% | 752 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 2,069 |
| Noncurrent loans to loans | 0.1299% | 4,918 |
| Net loans and leases to total assets | 84.7698% | 360 |
| Net loans and leases to deposits | 100.1060% | 691 |
| Net loans and leases to core deposits | 115.6380% | 651 |
| Total domestic deposits to total assets | 84.6801% | 3,010 |
| Equity capital to assets | 11.1410% | 2,905 |
| Core capital (leverage) ratio | 11.7335% | 1,825 |
| Tier 1 risk-based capital ratio | 14.1914% | 3,501 |
| Total risk-based capital ratio | 15.2500% | 3,521 |
| Memoranda: | ||
| Average total assets | $162,240,330 | 3,410 |
| Average earning assets | $150,710,000 | 3,398 |
| Average equity | $18,284,330 | 3,406 |
| Average total loans | $141,172,330 | 2,769 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,021 |
| Cost of funding earning assets | 0.5487% | 1,723 |
| Net interest margin | 4.1646% | 1,185 |
| Noninterest income to average assets | 10.6151% | 58 |
| Noninterest expense to average assets | 11.5551% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8367% | 447 |
| Return on assets (ROA) | 1.8367% | 477 |
| Pretax return on assets | 2.9270% | 140 |
| Return on Equity (ROE) | 16.1954% | 516 |
| Retained earnings to average equity (ytd only) | 16.1954% | 188 |
| Net charge-offs to loans | -0.0058% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7889% | 1,634 |
| Assets per employee ($millions) | 1.3406% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 4,546 |
| Loan loss allowance to noncurrent loans | 730.6122% | 748 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 2,027 |
| Noncurrent loans to loans | 0.1382% | 4,922 |
| Net loans and leases to total assets | 85.8263% | 227 |
| Net loans and leases to deposits | 98.4286% | 726 |
| Net loans and leases to core deposits | 113.1355% | 704 |
| Total domestic deposits to total assets | 87.1964% | 2,105 |
| Equity capital to assets | 11.1081% | 2,816 |
| Core capital (leverage) ratio | 11.8397% | 1,719 |
| Tier 1 risk-based capital ratio | 13.6652% | 3,891 |
| Total risk-based capital ratio | 14.7423% | 3,909 |
| Memoranda: | ||
| Average total assets | $157,022,000 | 3,479 |
| Average earning assets | $145,800,500 | 3,480 |
| Average equity | $17,807,500 | 3,464 |
| Average total loans | $137,852,000 | 2,829 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 579 |
| Cost of funding earning assets | 0.5470% | 1,791 |
| Net interest margin | 4.4902% | 671 |
| Noninterest income to average assets | 9.6150% | 68 |
| Noninterest expense to average assets | 11.5723% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3853% | 1,065 |
| Return on assets (ROA) | 1.3853% | 1,110 |
| Pretax return on assets | 2.2155% | 333 |
| Return on Equity (ROE) | 12.2301% | 1,246 |
| Retained earnings to average equity (ytd only) | 9.9864% | 459 |
| Net charge-offs to loans | -0.0083% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9314% | 1,187 |
| Assets per employee ($millions) | 1.3436% | 6,117 |
| Cash dividends to net income (ytd only)* | 18.3464% | 3,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 4,220 |
| Loan loss allowance to noncurrent loans | 715.0000% | 802 |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 1,828 |
| Noncurrent loans to loans | 0.1494% | 4,900 |
| Net loans and leases to total assets | 88.0256% | 124 |
| Net loans and leases to deposits | 101.0458% | 605 |
| Net loans and leases to core deposits | 113.1663% | 721 |
| Total domestic deposits to total assets | 87.1146% | 2,066 |
| Equity capital to assets | 11.5936% | 2,286 |
| Core capital (leverage) ratio | 11.7769% | 1,770 |
| Tier 1 risk-based capital ratio | 13.6521% | 3,914 |
| Total risk-based capital ratio | 14.7711% | 3,930 |
| Memoranda: | ||
| Average total assets | $147,551,200 | 3,609 |
| Average earning assets | $137,120,800 | 3,575 |
| Average equity | $16,712,800 | 3,566 |
| Average total loans | $133,227,200 | 2,840 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 578 |
| Cost of funding earning assets | 0.5558% | 1,754 |
| Net interest margin | 4.4763% | 687 |
| Noninterest income to average assets | 9.7870% | 70 |
| Noninterest expense to average assets | 11.7522% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3767% | 1,161 |
| Return on assets (ROA) | 1.3767% | 1,216 |
| Pretax return on assets | 2.2040% | 406 |
| Return on Equity (ROE) | 12.2285% | 1,310 |
| Retained earnings to average equity (ytd only) | 12.2285% | 340 |
| Net charge-offs to loans | -0.0080% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2074% | 1,146 |
| Assets per employee ($millions) | 1.3103% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 4,531 |
| Loan loss allowance to noncurrent loans | 702.9557% | 770 |
| Noncurrent assets plus other real estate owned to assets | 1.1990% | 1,975 |
| Noncurrent loans to loans | 0.1478% | 5,051 |
| Net loans and leases to total assets | 90.9875% | 44 |
| Net loans and leases to deposits | 104.5277% | 427 |
| Net loans and leases to core deposits | 121.0738% | 442 |
| Total domestic deposits to total assets | 87.0463% | 2,016 |
| Equity capital to assets | 11.5786% | 2,436 |
| Core capital (leverage) ratio | 11.4416% | 2,086 |
| Tier 1 risk-based capital ratio | 13.4845% | 4,145 |
| Total risk-based capital ratio | 14.5972% | 4,142 |
| Memoranda: | ||
| Average total assets | $146,817,000 | 3,648 |
| Average earning assets | $136,746,500 | 3,616 |
| Average equity | $16,529,250 | 3,621 |
| Average total loans | $133,059,500 | 2,852 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 712 |
| Cost of funding earning assets | 0.5412% | 1,897 |
| Net interest margin | 4.3720% | 804 |
| Noninterest income to average assets | 10.0298% | 72 |
| Noninterest expense to average assets | 11.8754% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3469% | 1,199 |
| Return on assets (ROA) | 1.3469% | 1,241 |
| Pretax return on assets | 2.2279% | 395 |
| Return on Equity (ROE) | 12.0806% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.0806% | 386 |
| Net charge-offs to loans | -0.0076% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2029% | 1,239 |
| Assets per employee ($millions) | 1.3866% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 5,025 |
| Loan loss allowance to noncurrent loans | 72.9135% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4249% | 1,754 |
| Noncurrent loans to loans | 1.3249% | 2,033 |
| Net loans and leases to total assets | 90.7585% | 49 |
| Net loans and leases to deposits | 113.9456% | 181 |
| Net loans and leases to core deposits | 132.9345% | 229 |
| Total domestic deposits to total assets | 79.6507% | 4,940 |
| Equity capital to assets | 10.4214% | 3,533 |
| Core capital (leverage) ratio | 10.8762% | 2,537 |
| Tier 1 risk-based capital ratio | 12.9711% | 4,532 |
| Total risk-based capital ratio | 14.0732% | 4,529 |
| Memoranda: | ||
| Average total assets | $145,965,670 | 3,692 |
| Average earning assets | $136,003,330 | 3,662 |
| Average equity | $16,274,000 | 3,679 |
| Average total loans | $131,634,000 | 2,881 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 890 |
| Cost of funding earning assets | 0.5250% | 2,049 |
| Net interest margin | 4.2586% | 960 |
| Noninterest income to average assets | 10.7217% | 70 |
| Noninterest expense to average assets | 12.3590% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4409% | 959 |
| Return on assets (ROA) | 1.4409% | 1,017 |
| Pretax return on assets | 2.3216% | 313 |
| Return on Equity (ROE) | 12.4520% | 1,229 |
| Retained earnings to average equity (ytd only) | 12.4520% | 509 |
| Net charge-offs to loans | -0.0065% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1857% | 1,362 |
| Assets per employee ($millions) | 1.2395% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 4,658 |
| Loan loss allowance to noncurrent loans | 72.0223% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.6847% | 1,493 |
| Noncurrent loans to loans | 1.4863% | 1,906 |
| Net loans and leases to total assets | 89.7913% | 59 |
| Net loans and leases to deposits | 111.2564% | 196 |
| Net loans and leases to core deposits | 128.7522% | 254 |
| Total domestic deposits to total assets | 80.7066% | 4,884 |
| Equity capital to assets | 11.1304% | 2,829 |
| Core capital (leverage) ratio | 12.0557% | 1,607 |
| Tier 1 risk-based capital ratio | 13.7426% | 4,192 |
| Total risk-based capital ratio | 14.9424% | 4,130 |
| Memoranda: | ||
| Average total assets | $138,523,000 | 3,831 |
| Average earning assets | $128,774,000 | 3,811 |
| Average equity | $16,029,500 | 3,742 |
| Average total loans | $123,746,000 | 3,022 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 856 |
| Cost of funding earning assets | 0.5024% | 2,656 |
| Net interest margin | 4.4437% | 828 |
| Noninterest income to average assets | 5.7203% | 106 |
| Noninterest expense to average assets | 9.3990% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2242% | 5,718 |
| Return on assets (ROA) | 0.2242% | 5,782 |
| Pretax return on assets | 0.3602% | 5,589 |
| Return on Equity (ROE) | 1.6872% | 5,844 |
| Retained earnings to average equity (ytd only) | -9.7074% | 6,308 |
| Net charge-offs to loans | 0.0420% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.1628% | 2,648 |
| Efficiency ratio | 96.3091% | 488 |
| Assets per employee ($millions) | 1.0298% | 6,455 |
| Cash dividends to net income (ytd only)* | 675.3676% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 3,782 |
| Loan loss allowance to noncurrent loans | 218.3077% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 3,029 |
| Noncurrent loans to loans | 0.5665% | 3,972 |
| Net loans and leases to total assets | 86.6480% | 170 |
| Net loans and leases to deposits | 101.7362% | 528 |
| Net loans and leases to core deposits | 116.7202% | 504 |
| Total domestic deposits to total assets | 85.1692% | 3,222 |
| Equity capital to assets | 12.0652% | 1,975 |
| Core capital (leverage) ratio | 12.5225% | 1,345 |
| Tier 1 risk-based capital ratio | 14.1517% | 3,994 |
| Total risk-based capital ratio | 15.4021% | 3,923 |
| Memoranda: | ||
| Average total assets | $121,322,000 | 4,151 |
| Average earning assets | $110,269,000 | 4,178 |
| Average equity | $16,121,800 | 3,648 |
| Average total loans | $102,317,400 | 3,372 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 839 |
| Cost of funding earning assets | 0.5028% | 2,729 |
| Net interest margin | 4.4499% | 818 |
| Noninterest income to average assets | 5.2881% | 116 |
| Noninterest expense to average assets | 8.8726% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2746% | 5,666 |
| Return on assets (ROA) | 0.2746% | 5,732 |
| Pretax return on assets | 0.4427% | 5,491 |
| Return on Equity (ROE) | 2.0155% | 5,835 |
| Retained earnings to average equity (ytd only) | -12.6689% | 6,427 |
| Net charge-offs to loans | 0.0632% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.4035% | 2,803 |
| Efficiency ratio | 95.2473% | 532 |
| Assets per employee ($millions) | 1.0339% | 6,535 |
| Cash dividends to net income (ytd only)* | 728.5679% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 3,380 |
| Loan loss allowance to noncurrent loans | 212.4625% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 3,042 |
| Noncurrent loans to loans | 0.6374% | 4,018 |
| Net loans and leases to total assets | 85.2038% | 250 |
| Net loans and leases to deposits | 99.0191% | 667 |
| Net loans and leases to core deposits | 111.6877% | 674 |
| Total domestic deposits to total assets | 86.0478% | 2,825 |
| Equity capital to assets | 13.0694% | 1,393 |
| Core capital (leverage) ratio | 13.0838% | 1,141 |
| Tier 1 risk-based capital ratio | 14.9360% | 3,629 |
| Total risk-based capital ratio | 16.1875% | 3,553 |
| Memoranda: | ||
| Average total assets | $118,955,250 | 4,241 |
| Average earning assets | $107,654,250 | 4,271 |
| Average equity | $16,207,250 | 3,661 |
| Average total loans | $99,210,500 | 3,459 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 840 |
| Cost of funding earning assets | 0.4899% | 2,927 |
| Net interest margin | 4.4471% | 783 |
| Noninterest income to average assets | 5.8994% | 103 |
| Noninterest expense to average assets | 9.0985% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5225% | 4,724 |
| Return on assets (ROA) | 0.5225% | 4,815 |
| Pretax return on assets | 0.7913% | 4,309 |
| Return on Equity (ROE) | 3.7822% | 5,239 |
| Retained earnings to average equity (ytd only) | -17.3321% | 6,522 |
| Net charge-offs to loans | 0.1108% | 2,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,461 |
| Efficiency ratio | 91.9986% | 766 |
| Assets per employee ($millions) | 1.4849% | 6,576 |
| Cash dividends to net income (ytd only)* | 558.2524% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 3,403 |
| Loan loss allowance to noncurrent loans | 205.8480% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 1.9913% | 1,613 |
| Noncurrent loans to loans | 0.6755% | 4,026 |
| Net loans and leases to total assets | 83.0170% | 379 |
| Net loans and leases to deposits | 96.7266% | 759 |
| Net loans and leases to core deposits | 109.7027% | 707 |
| Total domestic deposits to total assets | 85.8264% | 3,136 |
| Equity capital to assets | 13.2524% | 1,246 |
| Core capital (leverage) ratio | 13.8830% | 867 |
| Tier 1 risk-based capital ratio | 15.4802% | 3,362 |
| Total risk-based capital ratio | 16.7321% | 3,305 |
| Memoranda: | ||
| Average total assets | $118,283,670 | 4,280 |
| Average earning assets | $106,136,670 | 4,321 |
| Average equity | $16,339,670 | 3,641 |
| Average total loans | $97,452,000 | 3,501 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 822 |
| Cost of funding earning assets | 0.4963% | 2,941 |
| Net interest margin | 4.4326% | 751 |
| Noninterest income to average assets | 5.3952% | 109 |
| Noninterest expense to average assets | 8.8533% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3274% | 5,402 |
| Return on assets (ROA) | 0.3274% | 5,451 |
| Pretax return on assets | 0.5013% | 5,164 |
| Return on Equity (ROE) | 2.3216% | 5,700 |
| Retained earnings to average equity (ytd only) | -39.3954% | 6,652 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6409% | 714 |
| Assets per employee ($millions) | 1.2522% | 6,660 |
| Cash dividends to net income (ytd only)* | 1,796.8750% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 3,065 |
| Loan loss allowance to noncurrent loans | 186.7178% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 2.9045% | 997 |
| Noncurrent loans to loans | 0.8132% | 3,843 |
| Net loans and leases to total assets | 82.3102% | 334 |
| Net loans and leases to deposits | 96.2729% | 640 |
| Net loans and leases to core deposits | 110.2209% | 580 |
| Total domestic deposits to total assets | 85.4968% | 3,613 |
| Equity capital to assets | 13.6499% | 1,053 |
| Core capital (leverage) ratio | 13.6172% | 939 |
| Tier 1 risk-based capital ratio | 16.1196% | 3,110 |
| Total risk-based capital ratio | 17.3731% | 3,071 |
| Memoranda: | ||
| Average total assets | $117,289,000 | 4,330 |
| Average earning assets | $104,769,500 | 4,392 |
| Average equity | $16,540,000 | 3,615 |
| Average total loans | $95,550,500 | 3,567 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 1,110 |
| Cost of funding earning assets | 0.5766% | 2,868 |
| Net interest margin | 4.3172% | 1,069 |
| Noninterest income to average assets | 10.4496% | 62 |
| Noninterest expense to average assets | 13.3048% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5441% | 4,538 |
| Return on assets (ROA) | 0.5441% | 4,661 |
| Pretax return on assets | 0.9581% | 3,519 |
| Return on Equity (ROE) | 3.7898% | 5,200 |
| Retained earnings to average equity (ytd only) | 1.7421% | 4,996 |
| Net charge-offs to loans | -0.0092% | 6,005 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2826% | 789 |
| Assets per employee ($millions) | 1.0852% | 6,750 |
| Cash dividends to net income (ytd only)* | 54.0335% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 2,997 |
| Loan loss allowance to noncurrent loans | 125.0642% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 3.2821% | 919 |
| Noncurrent loans to loans | 1.2329% | 3,077 |
| Net loans and leases to total assets | 78.2016% | 803 |
| Net loans and leases to deposits | 92.8526% | 974 |
| Net loans and leases to core deposits | 105.9913% | 797 |
| Total domestic deposits to total assets | 84.2213% | 4,085 |
| Equity capital to assets | 14.5381% | 774 |
| Core capital (leverage) ratio | 14.3918% | 720 |
| Tier 1 risk-based capital ratio | 18.0533% | 2,234 |
| Total risk-based capital ratio | 19.3056% | 2,194 |
| Memoranda: | ||
| Average total assets | $120,760,800 | 4,262 |
| Average earning assets | $106,666,800 | 4,345 |
| Average equity | $17,335,800 | 3,511 |
| Average total loans | $97,983,600 | 3,500 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 1,144 |
| Cost of funding earning assets | 0.5981% | 2,823 |
| Net interest margin | 4.2919% | 1,115 |
| Noninterest income to average assets | 11.5157% | 58 |
| Noninterest expense to average assets | 14.1877% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6562% | 4,089 |
| Return on assets (ROA) | 0.6562% | 4,219 |
| Pretax return on assets | 1.1042% | 3,098 |
| Return on Equity (ROE) | 4.5851% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.4619% | 4,226 |
| Net charge-offs to loans | -0.0121% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7790% | 805 |
| Assets per employee ($millions) | 1.0487% | 6,828 |
| Cash dividends to net income (ytd only)* | 24.4963% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 3,371 |
| Loan loss allowance to noncurrent loans | 168.8222% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 3.3187% | 1,062 |
| Noncurrent loans to loans | 0.9005% | 4,022 |
| Net loans and leases to total assets | 77.8544% | 764 |
| Net loans and leases to deposits | 92.4295% | 952 |
| Net loans and leases to core deposits | 106.4017% | 738 |
| Total domestic deposits to total assets | 84.2312% | 4,096 |
| Equity capital to assets | 14.3886% | 856 |
| Core capital (leverage) ratio | 14.7750% | 679 |
| Tier 1 risk-based capital ratio | 18.2680% | 2,221 |
| Total risk-based capital ratio | 19.5214% | 2,186 |
| Memoranda: | ||
| Average total assets | $121,107,000 | 4,298 |
| Average earning assets | $106,554,500 | 4,394 |
| Average equity | $17,331,000 | 3,556 |
| Average total loans | $98,775,500 | 3,507 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 1,045 |
| Cost of funding earning assets | 0.6136% | 2,814 |
| Net interest margin | 4.3085% | 1,016 |
| Noninterest income to average assets | 12.5315% | 57 |
| Noninterest expense to average assets | 14.6931% | 50 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9659% | 2,486 |
| Return on assets (ROA) | 0.9659% | 2,634 |
| Pretax return on assets | 1.6125% | 1,333 |
| Return on Equity (ROE) | 6.7617% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.5692% | 2,694 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1106% | 1,050 |
| Assets per employee ($millions) | 0.8455% | 6,888 |
| Cash dividends to net income (ytd only)* | 17.6370% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 3,418 |
| Loan loss allowance to noncurrent loans | 166.5521% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 4.1334% | 827 |
| Noncurrent loans to loans | 0.9223% | 4,079 |
| Net loans and leases to total assets | 78.7339% | 666 |
| Net loans and leases to deposits | 94.0836% | 804 |
| Net loans and leases to core deposits | 108.8516% | 611 |
| Total domestic deposits to total assets | 83.6850% | 4,460 |
| Equity capital to assets | 14.8138% | 749 |
| Core capital (leverage) ratio | 14.9216% | 627 |
| Tier 1 risk-based capital ratio | 18.6005% | 2,108 |
| Total risk-based capital ratio | 19.8541% | 2,069 |
| Memoranda: | ||
| Average total assets | $120,927,670 | 4,327 |
| Average earning assets | $105,929,670 | 4,436 |
| Average equity | $17,273,670 | 3,584 |
| Average total loans | $99,644,670 | 3,498 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 904 |
| Cost of funding earning assets | 0.6190% | 2,932 |
| Net interest margin | 4.3708% | 847 |
| Noninterest income to average assets | 10.9424% | 63 |
| Noninterest expense to average assets | 13.4530% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7627% | 3,366 |
| Return on assets (ROA) | 0.7627% | 3,508 |
| Pretax return on assets | 1.3027% | 2,221 |
| Return on Equity (ROE) | 5.4368% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.0601% | 3,793 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1713% | 1,054 |
| Assets per employee ($millions) | 0.9213% | 6,957 |
| Cash dividends to net income (ytd only)* | 25.3219% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 3,902 |
| Loan loss allowance to noncurrent loans | 127.6801% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 4.7411% | 784 |
| Noncurrent loans to loans | 1.1586% | 3,843 |
| Net loans and leases to total assets | 81.4150% | 316 |
| Net loans and leases to deposits | 96.6500% | 508 |
| Net loans and leases to core deposits | 111.6154% | 448 |
| Total domestic deposits to total assets | 84.2370% | 4,376 |
| Equity capital to assets | 14.4934% | 877 |
| Core capital (leverage) ratio | 14.7024% | 634 |
| Tier 1 risk-based capital ratio | 17.8274% | 2,438 |
| Total risk-based capital ratio | 19.0806% | 2,398 |
| Memoranda: | ||
| Average total assets | $122,203,500 | 4,341 |
| Average earning assets | $106,615,500 | 4,458 |
| Average equity | $17,142,500 | 3,645 |
| Average total loans | $102,139,000 | 3,461 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2028% | 1,110 |
| Cost of funding earning assets | 0.7739% | 2,880 |
| Net interest margin | 4.4289% | 1,093 |
| Noninterest income to average assets | 10.2483% | 71 |
| Noninterest expense to average assets | 12.3496% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0764% | 2,028 |
| Return on assets (ROA) | 1.0764% | 2,217 |
| Pretax return on assets | 1.7581% | 1,002 |
| Return on Equity (ROE) | 8.0454% | 3,061 |
| Retained earnings to average equity (ytd only) | 6.8874% | 1,622 |
| Net charge-offs to loans | 0.2891% | 3,211 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.5385% | 2,576 |
| Efficiency ratio | 87.5383% | 1,284 |
| Assets per employee ($millions) | 0.9965% | 7,021 |
| Cash dividends to net income (ytd only)* | 14.3939% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 4,309 |
| Loan loss allowance to noncurrent loans | 121.0833% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 4.6928% | 865 |
| Noncurrent loans to loans | 1.1314% | 3,953 |
| Net loans and leases to total assets | 83.3170% | 253 |
| Net loans and leases to deposits | 101.8469% | 333 |
| Net loans and leases to core deposits | 116.8363% | 339 |
| Total domestic deposits to total assets | 81.8061% | 5,163 |
| Equity capital to assets | 13.5871% | 1,198 |
| Core capital (leverage) ratio | 14.0608% | 783 |
| Tier 1 risk-based capital ratio | 17.2756% | 2,534 |
| Total risk-based capital ratio | 18.5286% | 2,508 |
| Memoranda: | ||
| Average total assets | $122,635,400 | 4,297 |
| Average earning assets | $106,865,800 | 4,419 |
| Average equity | $16,406,800 | 3,723 |
| Average total loans | $98,936,000 | 3,551 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 1,095 |
| Cost of funding earning assets | 0.8116% | 2,849 |
| Net interest margin | 4.4416% | 1,112 |
| Noninterest income to average assets | 9.7931% | 74 |
| Noninterest expense to average assets | 11.9718% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0128% | 2,437 |
| Return on assets (ROA) | 1.0128% | 2,669 |
| Pretax return on assets | 1.6942% | 1,286 |
| Return on Equity (ROE) | 7.6007% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.4023% | 2,427 |
| Net charge-offs to loans | 0.0618% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 34.4213% | 982 |
| Efficiency ratio | 87.6030% | 1,238 |
| Assets per employee ($millions) | 1.0904% | 7,118 |
| Cash dividends to net income (ytd only)* | 15.7665% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,423 |
| Loan loss allowance to noncurrent loans | 145.1585% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 3.8206% | 1,284 |
| Noncurrent loans to loans | 1.1209% | 4,183 |
| Net loans and leases to total assets | 82.3958% | 314 |
| Net loans and leases to deposits | 96.7385% | 610 |
| Net loans and leases to core deposits | 110.7844% | 545 |
| Total domestic deposits to total assets | 85.1738% | 3,673 |
| Equity capital to assets | 13.4433% | 1,372 |
| Core capital (leverage) ratio | 13.7952% | 903 |
| Tier 1 risk-based capital ratio | 16.9984% | 2,730 |
| Total risk-based capital ratio | 18.2551% | 2,688 |
| Memoranda: | ||
| Average total assets | $121,906,000 | 4,352 |
| Average earning assets | $106,296,500 | 4,483 |
| Average equity | $16,243,750 | 3,780 |
| Average total loans | $97,155,000 | 3,632 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 920 |
| Cost of funding earning assets | 0.8545% | 2,762 |
| Net interest margin | 4.5191% | 959 |
| Noninterest income to average assets | 8.6584% | 82 |
| Noninterest expense to average assets | 11.1818% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8241% | 3,278 |
| Return on assets (ROA) | 0.8241% | 3,540 |
| Pretax return on assets | 1.3806% | 2,287 |
| Return on Equity (ROE) | 6.2033% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.9228% | 3,322 |
| Net charge-offs to loans | 0.0612% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 28.8276% | 1,100 |
| Efficiency ratio | 89.0101% | 1,144 |
| Assets per employee ($millions) | 1.1715% | 7,174 |
| Cash dividends to net income (ytd only)* | 20.6413% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 2,815 |
| Loan loss allowance to noncurrent loans | 140.9728% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 4.0884% | 1,233 |
| Noncurrent loans to loans | 1.2851% | 3,993 |
| Net loans and leases to total assets | 76.0687% | 962 |
| Net loans and leases to deposits | 88.9695% | 1,258 |
| Net loans and leases to core deposits | 102.7997% | 933 |
| Total domestic deposits to total assets | 85.4997% | 3,609 |
| Equity capital to assets | 13.3791% | 1,348 |
| Core capital (leverage) ratio | 13.6216% | 932 |
| Tier 1 risk-based capital ratio | 17.9138% | 2,321 |
| Total risk-based capital ratio | 19.1717% | 2,286 |
| Memoranda: | ||
| Average total assets | $121,108,000 | 4,395 |
| Average earning assets | $104,623,670 | 4,545 |
| Average equity | $16,088,330 | 3,794 |
| Average total loans | $94,836,000 | 3,696 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6317% | 592 |
| Cost of funding earning assets | 0.8878% | 2,778 |
| Net interest margin | 4.7439% | 637 |
| Noninterest income to average assets | 7.0661% | 102 |
| Noninterest expense to average assets | 9.9117% | 82 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6692% | 4,034 |
| Return on assets (ROA) | 0.6692% | 4,248 |
| Pretax return on assets | 1.1727% | 3,018 |
| Return on Equity (ROE) | 5.0555% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.9543% | 4,211 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4202% | 1,144 |
| Assets per employee ($millions) | 1.1647% | 7,237 |
| Cash dividends to net income (ytd only)* | 21.7822% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 2,644 |
| Loan loss allowance to noncurrent loans | 75.6416% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 6.6756% | 664 |
| Noncurrent loans to loans | 2.5271% | 2,579 |
| Net loans and leases to total assets | 74.3873% | 1,002 |
| Net loans and leases to deposits | 86.8729% | 1,307 |
| Net loans and leases to core deposits | 100.0168% | 985 |
| Total domestic deposits to total assets | 85.6277% | 3,726 |
| Equity capital to assets | 13.3953% | 1,278 |
| Core capital (leverage) ratio | 13.5253% | 943 |
| Tier 1 risk-based capital ratio | 17.4376% | 2,500 |
| Total risk-based capital ratio | 18.6955% | 2,465 |
| Memoranda: | ||
| Average total assets | $120,746,000 | 4,437 |
| Average earning assets | $102,278,000 | 4,646 |
| Average equity | $15,982,500 | 3,822 |
| Average total loans | $95,061,000 | 3,709 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2507% | 1,870 |
| Cost of funding earning assets | 0.9694% | 3,583 |
| Net interest margin | 4.2813% | 1,764 |
| Noninterest income to average assets | 4.3794% | 141 |
| Noninterest expense to average assets | 6.9967% | 142 |
| Loan and lease loss provision to assets | 0.1125% | 5,184 |
| Net operating income to assets | 0.5682% | 4,159 |
| Return on assets (ROA) | 0.5682% | 4,337 |
| Pretax return on assets | 0.9656% | 3,368 |
| Return on Equity (ROE) | 4.7071% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.5818% | 3,680 |
| Net charge-offs to loans | -0.0366% | 7,019 |
| Credit loss provision to net charge-offs | -426.4706% | 6,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6481% | 1,484 |
| Assets per employee ($millions) | 1.2401% | 7,283 |
| Cash dividends to net income (ytd only)* | 23.9071% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 3,011 |
| Loan loss allowance to noncurrent loans | 51.0426% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 7.5256% | 582 |
| Noncurrent loans to loans | 3.4343% | 1,874 |
| Net loans and leases to total assets | 80.1517% | 477 |
| Net loans and leases to deposits | 95.3878% | 719 |
| Net loans and leases to core deposits | 110.5286% | 606 |
| Total domestic deposits to total assets | 84.0273% | 4,303 |
| Equity capital to assets | 13.0797% | 1,448 |
| Core capital (leverage) ratio | 13.4397% | 989 |
| Tier 1 risk-based capital ratio | 16.3087% | 2,899 |
| Total risk-based capital ratio | 17.5662% | 2,869 |
| Memoranda: | ||
| Average total assets | $128,831,800 | 4,194 |
| Average earning assets | $111,204,200 | 4,367 |
| Average equity | $15,551,000 | 3,804 |
| Average total loans | $92,918,000 | 3,790 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 2,270 |
| Cost of funding earning assets | 0.9937% | 3,726 |
| Net interest margin | 4.1898% | 2,142 |
| Noninterest income to average assets | 3.1869% | 199 |
| Noninterest expense to average assets | 6.0799% | 191 |
| Loan and lease loss provision to assets | 0.1480% | 4,597 |
| Net operating income to assets | 0.3561% | 5,179 |
| Return on assets (ROA) | 0.3561% | 5,366 |
| Pretax return on assets | 0.5949% | 4,824 |
| Return on Equity (ROE) | 3.0089% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.8709% | 5,207 |
| Net charge-offs to loans | -0.0628% | 7,092 |
| Credit loss provision to net charge-offs | -337.2093% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1116% | 1,232 |
| Assets per employee ($millions) | 1.3193% | 7,356 |
| Cash dividends to net income (ytd only)* | 37.8234% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9001% | 2,608 |
| Loan loss allowance to noncurrent loans | 41.0865% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 7.8400% | 571 |
| Noncurrent loans to loans | 4.6246% | 1,394 |
| Net loans and leases to total assets | 75.9622% | 981 |
| Net loans and leases to deposits | 88.1233% | 1,425 |
| Net loans and leases to core deposits | 99.4915% | 1,297 |
| Total domestic deposits to total assets | 86.1999% | 3,091 |
| Equity capital to assets | 13.1053% | 1,559 |
| Core capital (leverage) ratio | 12.7116% | 1,340 |
| Tier 1 risk-based capital ratio | 16.4263% | 2,896 |
| Total risk-based capital ratio | 17.6830% | 2,861 |
| Memoranda: | ||
| Average total assets | $130,656,750 | 4,190 |
| Average earning assets | $113,383,000 | 4,316 |
| Average equity | $15,464,750 | 3,831 |
| Average total loans | $91,360,500 | 3,856 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 2,665 |
| Cost of funding earning assets | 0.9972% | 3,969 |
| Net interest margin | 4.1064% | 2,385 |
| Noninterest income to average assets | 3.3752% | 193 |
| Noninterest expense to average assets | 5.9214% | 201 |
| Loan and lease loss provision to assets | 0.2154% | 3,764 |
| Net operating income to assets | 0.4947% | 4,525 |
| Return on assets (ROA) | 0.4947% | 4,668 |
| Pretax return on assets | 0.8171% | 3,959 |
| Return on Equity (ROE) | 4.3155% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.1751% | 4,250 |
| Net charge-offs to loans | -0.0965% | 7,158 |
| Credit loss provision to net charge-offs | -329.5455% | 6,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1527% | 1,687 |
| Assets per employee ($millions) | 1.4637% | 7,415 |
| Cash dividends to net income (ytd only)* | 26.4264% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 2,508 |
| Loan loss allowance to noncurrent loans | 209.5923% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 5.1931% | 1,172 |
| Noncurrent loans to loans | 0.9308% | 5,109 |
| Net loans and leases to total assets | 72.3150% | 1,726 |
| Net loans and leases to deposits | 83.6697% | 2,156 |
| Net loans and leases to core deposits | 95.0852% | 1,780 |
| Total domestic deposits to total assets | 86.4291% | 3,085 |
| Equity capital to assets | 12.8474% | 1,598 |
| Core capital (leverage) ratio | 11.9203% | 1,647 |
| Tier 1 risk-based capital ratio | 16.3477% | 2,810 |
| Total risk-based capital ratio | 17.5960% | 2,776 |
| Memoranda: | ||
| Average total assets | $134,629,670 | 4,130 |
| Average earning assets | $117,328,330 | 4,247 |
| Average equity | $15,432,670 | 3,830 |
| Average total loans | $91,166,330 | 3,917 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 3,709 |
| Cost of funding earning assets | 0.9813% | 4,339 |
| Net interest margin | 3.8931% | 3,176 |
| Noninterest income to average assets | 2.9773% | 224 |
| Noninterest expense to average assets | 5.6119% | 242 |
| Loan and lease loss provision to assets | 0.6232% | 1,384 |
| Net operating income to assets | 0.0935% | 6,110 |
| Return on assets (ROA) | 0.0935% | 6,162 |
| Pretax return on assets | 0.1586% | 6,032 |
| Return on Equity (ROE) | 0.8602% | 6,174 |
| Retained earnings to average equity (ytd only) | -0.2867% | 5,846 |
| Net charge-offs to loans | -0.0218% | 6,596 |
| Credit loss provision to net charge-offs | -4,400.0000% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7714% | 1,545 |
| Assets per employee ($millions) | 1.7514% | 7,430 |
| Cash dividends to net income (ytd only)* | 133.3333% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 2,407 |
| Loan loss allowance to noncurrent loans | 99.7205% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 4.5273% | 1,432 |
| Noncurrent loans to loans | 2.0109% | 3,564 |
| Net loans and leases to total assets | 63.0103% | 3,654 |
| Net loans and leases to deposits | 71.3254% | 4,159 |
| Net loans and leases to core deposits | 80.3489% | 3,696 |
| Total domestic deposits to total assets | 88.3420% | 2,174 |
| Equity capital to assets | 11.0906% | 2,602 |
| Core capital (leverage) ratio | 10.9329% | 2,239 |
| Tier 1 risk-based capital ratio | 16.2385% | 2,790 |
| Total risk-based capital ratio | 17.4966% | 2,753 |
| Memoranda: | ||
| Average total assets | $141,200,500 | 4,042 |
| Average earning assets | $123,911,000 | 4,140 |
| Average equity | $15,345,000 | 3,838 |
| Average total loans | $91,948,500 | 3,928 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5543% | 2,068 |
| Cost of funding earning assets | 1.4182% | 3,147 |
| Net interest margin | 4.1360% | 2,424 |
| Noninterest income to average assets | 3.0703% | 226 |
| Noninterest expense to average assets | 5.8145% | 250 |
| Loan and lease loss provision to assets | 0.3926% | 3,762 |
| Net operating income to assets | 0.3305% | 4,825 |
| Return on assets (ROA) | 0.3305% | 4,985 |
| Pretax return on assets | 0.5219% | 4,544 |
| Return on Equity (ROE) | 2.9729% | 4,970 |
| Retained earnings to average equity (ytd only) | 2.3211% | 4,254 |
| Net charge-offs to loans | 0.7460% | 2,782 |
| Credit loss provision to net charge-offs | 72.4420% | 5,802 |
| Earnings coverage of net charge-offs (x) | 1.6876% | 4,467 |
| Efficiency ratio | 86.4096% | 1,649 |
| Assets per employee ($millions) | 1.8467% | 7,475 |
| Cash dividends to net income (ytd only)* | 21.9239% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 3,418 |
| Loan loss allowance to noncurrent loans | 93.9157% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 4.6931% | 1,403 |
| Noncurrent loans to loans | 1.7486% | 3,883 |
| Net loans and leases to total assets | 64.8239% | 3,706 |
| Net loans and leases to deposits | 73.2211% | 4,325 |
| Net loans and leases to core deposits | 82.1064% | 3,896 |
| Total domestic deposits to total assets | 88.5317% | 1,930 |
| Equity capital to assets | 10.6532% | 3,021 |
| Core capital (leverage) ratio | 10.9681% | 2,185 |
| Tier 1 risk-based capital ratio | 15.5529% | 2,976 |
| Total risk-based capital ratio | 16.8100% | 2,933 |
| Memoranda: | ||
| Average total assets | $135,264,200 | 4,149 |
| Average earning assets | $119,655,800 | 4,238 |
| Average equity | $15,036,000 | 3,935 |
| Average total loans | $98,262,200 | 3,847 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6967% | 1,727 |
| Cost of funding earning assets | 1.5254% | 2,803 |
| Net interest margin | 4.1713% | 2,327 |
| Noninterest income to average assets | 2.4077% | 294 |
| Noninterest expense to average assets | 5.5558% | 265 |
| Loan and lease loss provision to assets | 0.5651% | 2,680 |
| Net operating income to assets | 0.0110% | 5,980 |
| Return on assets (ROA) | 0.0110% | 6,103 |
| Pretax return on assets | -0.0170% | 6,111 |
| Return on Equity (ROE) | 0.0981% | 6,104 |
| Retained earnings to average equity (ytd only) | -0.2941% | 5,857 |
| Net charge-offs to loans | 0.8073% | 2,432 |
| Credit loss provision to net charge-offs | 94.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | 0.9117% | 5,147 |
| Efficiency ratio | 91.0210% | 1,209 |
| Assets per employee ($millions) | 1.6929% | 7,621 |
| Cash dividends to net income (ytd only)* | 399.9318% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 2,958 |
| Loan loss allowance to noncurrent loans | 54.1771% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 4.8752% | 1,333 |
| Noncurrent loans to loans | 3.2394% | 2,446 |
| Net loans and leases to total assets | 70.4229% | 2,632 |
| Net loans and leases to deposits | 79.6881% | 3,501 |
| Net loans and leases to core deposits | 87.7482% | 3,405 |
| Total domestic deposits to total assets | 88.3732% | 1,747 |
| Equity capital to assets | 10.9179% | 3,037 |
| Core capital (leverage) ratio | 11.3226% | 2,053 |
| Tier 1 risk-based capital ratio | 15.0714% | 3,219 |
| Total risk-based capital ratio | 16.3276% | 3,205 |
| Memoranda: | ||
| Average total assets | $133,070,000 | 4,247 |
| Average earning assets | $117,914,000 | 4,336 |
| Average equity | $14,958,750 | 3,995 |
| Average total loans | $99,094,750 | 3,882 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 1,629 |
| Cost of funding earning assets | 1.6234% | 2,524 |
| Net interest margin | 4.1098% | 2,511 |
| Noninterest income to average assets | 1.6247% | 492 |
| Noninterest expense to average assets | 5.1367% | 345 |
| Loan and lease loss provision to assets | 0.8564% | 1,699 |
| Net operating income to assets | -0.3978% | 6,563 |
| Return on assets (ROA) | -0.3978% | 6,602 |
| Pretax return on assets | -0.7243% | 6,739 |
| Return on Equity (ROE) | -3.5039% | 6,566 |
| Retained earnings to average equity (ytd only) | -3.5039% | 6,368 |
| Net charge-offs to loans | 1.1453% | 1,659 |
| Credit loss provision to net charge-offs | 99.1213% | 4,144 |
| Earnings coverage of net charge-offs (x) | 0.1529% | 5,568 |
| Efficiency ratio | 97.4928% | 898 |
| Assets per employee ($millions) | 1.6366% | 7,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 2,807 |
| Loan loss allowance to noncurrent loans | 55.2028% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 5.2988% | 1,185 |
| Noncurrent loans to loans | 3.2149% | 2,491 |
| Net loans and leases to total assets | 76.1357% | 1,471 |
| Net loans and leases to deposits | 86.7719% | 2,383 |
| Net loans and leases to core deposits | 96.2820% | 2,412 |
| Total domestic deposits to total assets | 87.7424% | 2,142 |
| Equity capital to assets | 11.5620% | 2,392 |
| Core capital (leverage) ratio | 11.3655% | 2,004 |
| Tier 1 risk-based capital ratio | 14.4799% | 3,456 |
| Total risk-based capital ratio | 15.7362% | 3,417 |
| Memoranda: | ||
| Average total assets | $131,719,000 | 4,304 |
| Average earning assets | $116,795,000 | 4,396 |
| Average equity | $14,954,670 | 4,000 |
| Average total loans | $99,362,670 | 3,920 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5854% | 2,217 |
| Cost of funding earning assets | 1.6780% | 2,493 |
| Net interest margin | 3.9074% | 3,294 |
| Noninterest income to average assets | 1.8512% | 377 |
| Noninterest expense to average assets | 4.8747% | 403 |
| Loan and lease loss provision to assets | 0.0508% | 6,152 |
| Net operating income to assets | 0.2482% | 5,499 |
| Return on assets (ROA) | 0.2482% | 5,622 |
| Pretax return on assets | 0.4007% | 5,287 |
| Return on Equity (ROE) | 2.2056% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.2056% | 4,802 |
| Net charge-offs to loans | 0.2129% | 3,646 |
| Credit loss provision to net charge-offs | 32.0755% | 4,783 |
| Earnings coverage of net charge-offs (x) | 2.8491% | 3,124 |
| Efficiency ratio | 91.5216% | 1,315 |
| Assets per employee ($millions) | 2.0312% | 7,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 2,965 |
| Loan loss allowance to noncurrent loans | 43.8040% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 5.9665% | 1,014 |
| Noncurrent loans to loans | 3.9424% | 2,002 |
| Net loans and leases to total assets | 76.7122% | 1,390 |
| Net loans and leases to deposits | 87.4762% | 2,318 |
| Net loans and leases to core deposits | 100.4461% | 2,084 |
| Total domestic deposits to total assets | 87.6950% | 2,239 |
| Equity capital to assets | 11.7947% | 2,169 |
| Core capital (leverage) ratio | 11.3445% | 2,002 |
| Tier 1 risk-based capital ratio | 14.6334% | 3,300 |
| Total risk-based capital ratio | 15.8885% | 3,261 |
| Memoranda: | ||
| Average total assets | $133,753,000 | 4,329 |
| Average earning assets | $118,953,500 | 4,402 |
| Average equity | $15,052,500 | 4,004 |
| Average total loans | $99,572,000 | 3,971 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4149% | 804 |
| Cost of funding earning assets | 2.2461% | 1,850 |
| Net interest margin | 4.1687% | 2,188 |
| Noninterest income to average assets | 2.8586% | 236 |
| Noninterest expense to average assets | 5.6704% | 358 |
| Loan and lease loss provision to assets | 1.1965% | 1,923 |
| Net operating income to assets | -0.1390% | 5,744 |
| Return on assets (ROA) | -0.1390% | 5,737 |
| Pretax return on assets | -0.2717% | 5,804 |
| Return on Equity (ROE) | -1.2554% | 5,732 |
| Retained earnings to average equity (ytd only) | -1.4347% | 5,378 |
| Net charge-offs to loans | 0.7902% | 2,849 |
| Credit loss provision to net charge-offs | 185.4680% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.4335% | 4,689 |
| Efficiency ratio | 85.9776% | 2,118 |
| Assets per employee ($millions) | 2.0223% | 7,718 |
| Cash dividends to net income (ytd only)* | -14.2857% | 7,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 2,626 |
| Loan loss allowance to noncurrent loans | 46.1236% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 4.1192% | 1,592 |
| Noncurrent loans to loans | 3.8467% | 1,935 |
| Net loans and leases to total assets | 69.8671% | 3,286 |
| Net loans and leases to deposits | 80.6756% | 3,862 |
| Net loans and leases to core deposits | 103.8131% | 3,591 |
| Total domestic deposits to total assets | 86.6026% | 2,703 |
| Equity capital to assets | 10.7581% | 2,910 |
| Core capital (leverage) ratio | 10.8320% | 2,326 |
| Tier 1 risk-based capital ratio | 14.3878% | 3,272 |
| Total risk-based capital ratio | 15.6381% | 3,221 |
| Memoranda: | ||
| Average total assets | $125,864,600 | 4,432 |
| Average earning assets | $112,815,800 | 4,485 |
| Average equity | $13,940,000 | 4,266 |
| Average total loans | $102,757,400 | 3,875 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6557% | 549 |
| Cost of funding earning assets | 2.3745% | 1,726 |
| Net interest margin | 4.2812% | 1,779 |
| Noninterest income to average assets | 2.7789% | 234 |
| Noninterest expense to average assets | 5.9160% | 312 |
| Loan and lease loss provision to assets | 1.0312% | 1,861 |
| Net operating income to assets | -0.1786% | 6,027 |
| Return on assets (ROA) | -0.1786% | 6,040 |
| Pretax return on assets | -0.3321% | 6,131 |
| Return on Equity (ROE) | -1.5993% | 6,037 |
| Retained earnings to average equity (ytd only) | -1.8431% | 5,690 |
| Net charge-offs to loans | 0.7102% | 2,571 |
| Credit loss provision to net charge-offs | 171.5580% | 2,711 |
| Earnings coverage of net charge-offs (x) | 1.1630% | 4,901 |
| Efficiency ratio | 89.4321% | 1,741 |
| Assets per employee ($millions) | 1.8088% | 7,890 |
| Cash dividends to net income (ytd only)* | -15.2428% | 7,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 3,812 |
| Loan loss allowance to noncurrent loans | 48.4106% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 3.9829% | 1,613 |
| Noncurrent loans to loans | 2.9417% | 2,588 |
| Net loans and leases to total assets | 77.7081% | 1,634 |
| Net loans and leases to deposits | 90.7574% | 2,438 |
| Net loans and leases to core deposits | 115.3644% | 2,683 |
| Total domestic deposits to total assets | 85.6217% | 2,900 |
| Equity capital to assets | 11.5387% | 2,552 |
| Core capital (leverage) ratio | 11.7298% | 1,949 |
| Tier 1 risk-based capital ratio | 14.0756% | 3,504 |
| Total risk-based capital ratio | 15.3271% | 3,443 |
| Memoranda: | ||
| Average total assets | $122,445,250 | 4,533 |
| Average earning assets | $109,717,250 | 4,601 |
| Average equity | $13,672,000 | 4,368 |
| Average total loans | $103,633,000 | 3,891 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7241% | 519 |
| Cost of funding earning assets | 2.5269% | 1,517 |
| Net interest margin | 4.1972% | 2,013 |
| Noninterest income to average assets | 2.8519% | 227 |
| Noninterest expense to average assets | 6.0793% | 312 |
| Loan and lease loss provision to assets | 1.0597% | 1,610 |
| Net operating income to assets | -0.3087% | 6,330 |
| Return on assets (ROA) | -0.3087% | 6,348 |
| Pretax return on assets | -0.5340% | 6,459 |
| Return on Equity (ROE) | -2.7987% | 6,338 |
| Retained earnings to average equity (ytd only) | -3.1769% | 5,999 |
| Net charge-offs to loans | 0.8600% | 1,969 |
| Credit loss provision to net charge-offs | 142.0582% | 3,276 |
| Earnings coverage of net charge-offs (x) | 0.7047% | 5,012 |
| Efficiency ratio | 92.0414% | 1,635 |
| Assets per employee ($millions) | 1.7956% | 7,971 |
| Cash dividends to net income (ytd only)* | -13.5135% | 7,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,873 |
| Loan loss allowance to noncurrent loans | 39.6149% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 4.2549% | 1,358 |
| Noncurrent loans to loans | 3.0516% | 2,355 |
| Net loans and leases to total assets | 81.5960% | 1,027 |
| Net loans and leases to deposits | 96.0308% | 1,795 |
| Net loans and leases to core deposits | 117.7799% | 2,559 |
| Total domestic deposits to total assets | 84.9686% | 3,279 |
| Equity capital to assets | 11.9413% | 2,239 |
| Core capital (leverage) ratio | 11.7019% | 1,976 |
| Tier 1 risk-based capital ratio | 13.8251% | 3,612 |
| Total risk-based capital ratio | 14.9822% | 3,603 |
| Memoranda: | ||
| Average total assets | $119,850,000 | 4,640 |
| Average earning assets | $107,166,000 | 4,697 |
| Average equity | $13,220,330 | 4,486 |
| Average total loans | $103,956,670 | 3,910 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9496% | 378 |
| Cost of funding earning assets | 2.6362% | 1,462 |
| Net interest margin | 4.3134% | 1,567 |
| Noninterest income to average assets | 3.4380% | 187 |
| Noninterest expense to average assets | 5.7778% | 319 |
| Loan and lease loss provision to assets | 0.6431% | 1,964 |
| Net operating income to assets | 0.5439% | 4,241 |
| Return on assets (ROA) | 0.5439% | 4,426 |
| Pretax return on assets | 0.8792% | 3,796 |
| Return on Equity (ROE) | 5.1598% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.1598% | 3,035 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1471% | 2,973 |
| Assets per employee ($millions) | 1.6849% | 8,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 4,985 |
| Loan loss allowance to noncurrent loans | 39.9173% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 5.0822% | 887 |
| Noncurrent loans to loans | 2.9331% | 2,224 |
| Net loans and leases to total assets | 89.8228% | 150 |
| Net loans and leases to deposits | 111.9498% | 524 |
| Net loans and leases to core deposits | 131.4534% | 1,572 |
| Total domestic deposits to total assets | 80.2349% | 5,268 |
| Equity capital to assets | 10.5172% | 3,444 |
| Core capital (leverage) ratio | 10.6770% | 2,761 |
| Tier 1 risk-based capital ratio | 11.0941% | 5,813 |
| Total risk-based capital ratio | 12.2179% | 5,842 |
| Memoranda: | ||
| Average total assets | $116,930,000 | 4,731 |
| Average earning assets | $104,696,500 | 4,783 |
| Average equity | $12,326,000 | 4,744 |
| Average total loans | $104,028,500 | 3,935 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4651% | 440 |
| Cost of funding earning assets | 3.3737% | 752 |
| Net interest margin | 4.0914% | 2,749 |
| Noninterest income to average assets | 2.7898% | 222 |
| Noninterest expense to average assets | 5.5564% | 489 |
| Loan and lease loss provision to assets | 0.1270% | 5,741 |
| Net operating income to assets | 0.5266% | 4,625 |
| Return on assets (ROA) | 0.5266% | 4,481 |
| Pretax return on assets | 0.8270% | 3,970 |
| Return on Equity (ROE) | 4.7697% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.7697% | 2,170 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3461% | 1,916 |
| Assets per employee ($millions) | 1.8400% | 8,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 5,560 |
| Loan loss allowance to noncurrent loans | 474.2222% | 904 |
| Noncurrent assets plus other real estate owned to assets | 2.8623% | 1,637 |
| Noncurrent loans to loans | 0.2231% | 6,719 |
| Net loans and leases to total assets | 86.0921% | 596 |
| Net loans and leases to deposits | 106.3684% | 1,094 |
| Net loans and leases to core deposits | 190.0769% | 218 |
| Total domestic deposits to total assets | 80.9377% | 4,666 |
| Equity capital to assets | 10.5659% | 3,429 |
| Core capital (leverage) ratio | 10.5611% | 2,928 |
| Tier 1 risk-based capital ratio | 11.2148% | 5,524 |
| Total risk-based capital ratio | 12.1933% | 5,690 |
| Memoranda: | ||
| Average total assets | $107,857,000 | 4,835 |
| Average earning assets | $98,082,800 | 4,862 |
| Average equity | $11,908,600 | 4,851 |
| Average total loans | $96,818,400 | 4,040 |