Home > WOODTRUST BANK > Performance and Condition Ratios
WOODTRUST BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0091% | 42 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 41,389.0000% | 25 |
| Cost of funding earning assets | 300.0000% | 15 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 3.1321% | 140 |
| Pretax return on assets | 3.2265% | 169 |
| Return on Equity (ROE) | 36.1000% | 116 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0120% | 2,201 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0571% | 2,825 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.0430% | 4,569 |
| Cash dividends to net income (ytd only)* | 4.0000% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 129.0000% | 415 |
| Total domestic deposits to total assets | 750.0000% | 15 |
| Equity capital to assets | 13,340.0000% | 32 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $-2,089,000 | 4,610 |
| Average earning assets | $2,040 | 4,588 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 3,158 |
| Cost of funding earning assets | 1.1402% | 2,623 |
| Net interest margin | 3.2309% | 2,848 |
| Noninterest income to average assets | 2.6600% | 220 |
| Noninterest expense to average assets | 2.3530% | 2,645 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 3.2079% | 156 |
| Return on assets (ROA) | 3.2001% | 157 |
| Pretax return on assets | 3.3886% | 170 |
| Return on Equity (ROE) | 36.8400% | 146 |
| Retained earnings to average equity (ytd only) | 11.4418% | 1,079 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.5816% | 4,346 |
| Assets per employee ($millions) | 6.9679% | 1,976 |
| Cash dividends to net income (ytd only)* | 68.9429% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 873 |
| Loan loss allowance to noncurrent loans | 791.5875% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 2,745 |
| Noncurrent loans to loans | 0.2031% | 2,543 |
| Net loans and leases to total assets | 59.5900% | 2,887 |
| Net loans and leases to deposits | 70.4343% | 2,816 |
| Net loans and leases to core deposits | 71.5342% | 3,129 |
| Total domestic deposits to total assets | 84.6000% | 2,622 |
| Equity capital to assets | 9.1053% | 2,362 |
| Core capital (leverage) ratio | 10.6887% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $622,343,000 | 1,431 |
| Average earning assets | $605,267,250 | 1,368 |
| Average equity | $54,057,750 | 1,502 |
| Average total loans | $361,503,500 | 1,567 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 3,235 |
| Cost of funding earning assets | 1.0579% | 2,426 |
| Net interest margin | 3.1708% | 3,057 |
| Noninterest income to average assets | 2.6100% | 196 |
| Noninterest expense to average assets | 2.3243% | 2,727 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 3.1088% | 140 |
| Return on assets (ROA) | 3.0963% | 139 |
| Pretax return on assets | 3.3058% | 168 |
| Return on Equity (ROE) | 36.2000% | 135 |
| Retained earnings to average equity (ytd only) | 13.0674% | 799 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.8411% | 4,368 |
| Assets per employee ($millions) | 7.1597% | 1,810 |
| Cash dividends to net income (ytd only)* | 63.9020% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 1,061 |
| Loan loss allowance to noncurrent loans | 718.0798% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 2,659 |
| Noncurrent loans to loans | 0.2148% | 2,408 |
| Net loans and leases to total assets | 58.3400% | 2,929 |
| Net loans and leases to deposits | 70.0456% | 2,784 |
| Net loans and leases to core deposits | 70.5927% | 3,090 |
| Total domestic deposits to total assets | 83.2900% | 2,985 |
| Equity capital to assets | 8.7680% | 2,680 |
| Core capital (leverage) ratio | 10.4181% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $630,045,333 | 1,410 |
| Average earning assets | $613,088,333 | 1,353 |
| Average equity | $53,889,667 | 1,509 |
| Average total loans | $361,037,333 | 1,559 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 3,311 |
| Cost of funding earning assets | 0.9648% | 2,169 |
| Net interest margin | 3.1072% | 3,334 |
| Noninterest income to average assets | 2.5900% | 184 |
| Noninterest expense to average assets | 2.2849% | 2,859 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 3.0677% | 146 |
| Return on assets (ROA) | 3.0677% | 145 |
| Pretax return on assets | 3.2779% | 163 |
| Return on Equity (ROE) | 36.3200% | 144 |
| Retained earnings to average equity (ytd only) | 17.4769% | 560 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.7265% | 4,430 |
| Assets per employee ($millions) | 7.3332% | 1,726 |
| Cash dividends to net income (ytd only)* | 51.8833% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 1,060 |
| Loan loss allowance to noncurrent loans | 660.1626% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,531 |
| Noncurrent loans to loans | 0.2386% | 2,310 |
| Net loans and leases to total assets | 57.6600% | 2,895 |
| Net loans and leases to deposits | 70.0674% | 2,603 |
| Net loans and leases to core deposits | 70.6281% | 2,910 |
| Total domestic deposits to total assets | 82.2900% | 3,437 |
| Equity capital to assets | 8.9429% | 2,560 |
| Core capital (leverage) ratio | 10.1823% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $630,041,500 | 1,435 |
| Average earning assets | $612,764,000 | 1,371 |
| Average equity | $53,213,000 | 1,533 |
| Average total loans | $354,882,500 | 1,598 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2271% | 3,762 |
| Cost of funding earning assets | 0.2754% | 3,089 |
| Net interest margin | 2.9516% | 3,565 |
| Noninterest income to average assets | 2.6600% | 190 |
| Noninterest expense to average assets | 2.2871% | 2,781 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 2.9881% | 111 |
| Return on assets (ROA) | 2.3027% | 176 |
| Pretax return on assets | 2.4582% | 219 |
| Return on Equity (ROE) | 28.3800% | 136 |
| Retained earnings to average equity (ytd only) | 4.2895% | 3,304 |
| Net charge-offs to loans | -0.0154% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.4077% | 4,506 |
| Assets per employee ($millions) | 7.3193% | 1,739 |
| Cash dividends to net income (ytd only)* | 84.8871% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 965 |
| Loan loss allowance to noncurrent loans | 613.0055% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,544 |
| Noncurrent loans to loans | 0.2622% | 2,221 |
| Net loans and leases to total assets | 53.3000% | 3,254 |
| Net loans and leases to deposits | 64.9512% | 2,957 |
| Net loans and leases to core deposits | 65.4804% | 3,171 |
| Total domestic deposits to total assets | 82.0600% | 3,621 |
| Equity capital to assets | 7.9707% | 3,076 |
| Core capital (leverage) ratio | 9.5607% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $613,497,000 | 1,450 |
| Average earning assets | $596,147,200 | 1,395 |
| Average equity | $49,772,400 | 1,631 |
| Average total loans | $344,064,400 | 1,565 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0010% | 3,886 |
| Cost of funding earning assets | 0.1150% | 4,159 |
| Net interest margin | 2.8860% | 3,525 |
| Noninterest income to average assets | 2.6600% | 201 |
| Noninterest expense to average assets | 2.2980% | 2,632 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 2.9239% | 108 |
| Return on assets (ROA) | 2.9239% | 104 |
| Pretax return on assets | 3.1222% | 123 |
| Return on Equity (ROE) | 35.8700% | 59 |
| Retained earnings to average equity (ytd only) | 16.1165% | 269 |
| Net charge-offs to loans | -0.0206% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.0134% | 4,520 |
| Assets per employee ($millions) | 6.6683% | 2,182 |
| Cash dividends to net income (ytd only)* | 55.0730% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,067 |
| Loan loss allowance to noncurrent loans | 250.4072% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 1,455 |
| Noncurrent loans to loans | 0.6378% | 1,276 |
| Net loans and leases to total assets | 57.4500% | 2,761 |
| Net loans and leases to deposits | 68.2326% | 2,518 |
| Net loans and leases to core deposits | 68.8207% | 2,735 |
| Total domestic deposits to total assets | 84.2000% | 3,452 |
| Equity capital to assets | 7.4874% | 3,227 |
| Core capital (leverage) ratio | 9.4301% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $605,847,250 | 1,475 |
| Average earning assets | $588,892,500 | 1,418 |
| Average equity | $49,380,750 | 1,659 |
| Average total loans | $342,849,500 | 1,561 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7646% | 4,038 |
| Cost of funding earning assets | 0.0425% | 4,636 |
| Net interest margin | 2.7221% | 3,662 |
| Noninterest income to average assets | 2.6582% | 171 |
| Noninterest expense to average assets | 2.3018% | 2,546 |
| Loan and lease loss provision to assets | 0.0492% | 1,697 |
| Net operating income to assets | 2.7562% | 83 |
| Return on assets (ROA) | 2.7562% | 78 |
| Pretax return on assets | 2.9529% | 106 |
| Return on Equity (ROE) | 32.9460% | 44 |
| Retained earnings to average equity (ytd only) | 18.0760% | 113 |
| Net charge-offs to loans | -0.0310% | 4,048 |
| Credit loss provision to net charge-offs | -283.0189% | 3,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3976% | 4,531 |
| Assets per employee ($millions) | 7.3011% | 1,735 |
| Cash dividends to net income (ytd only)* | 45.1344% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,277 |
| Loan loss allowance to noncurrent loans | 220.3876% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 1,475 |
| Noncurrent loans to loans | 0.7029% | 1,228 |
| Net loans and leases to total assets | 53.3936% | 3,019 |
| Net loans and leases to deposits | 63.5194% | 2,766 |
| Net loans and leases to core deposits | 64.0092% | 2,969 |
| Total domestic deposits to total assets | 84.0587% | 3,679 |
| Equity capital to assets | 7.3310% | 3,580 |
| Core capital (leverage) ratio | 9.3719% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $609,970,333 | 1,475 |
| Average earning assets | $592,848,667 | 1,426 |
| Average equity | $51,029,000 | 1,652 |
| Average total loans | $341,639,333 | 1,554 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6532% | 4,030 |
| Cost of funding earning assets | 0.0433% | 4,645 |
| Net interest margin | 2.6099% | 3,631 |
| Noninterest income to average assets | 2.7665% | 168 |
| Noninterest expense to average assets | 2.3822% | 2,228 |
| Loan and lease loss provision to assets | 0.0508% | 1,460 |
| Net operating income to assets | 2.6628% | 106 |
| Return on assets (ROA) | 2.6628% | 103 |
| Pretax return on assets | 2.8662% | 115 |
| Return on Equity (ROE) | 29.7999% | 62 |
| Retained earnings to average equity (ytd only) | 29.7999% | 39 |
| Net charge-offs to loans | -0.0036% | 3,243 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9533% | 4,530 |
| Assets per employee ($millions) | 6.8898% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 1,351 |
| Loan loss allowance to noncurrent loans | 201.4350% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 1,392 |
| Noncurrent loans to loans | 0.7787% | 1,223 |
| Net loans and leases to total assets | 55.2054% | 2,608 |
| Net loans and leases to deposits | 65.5211% | 2,378 |
| Net loans and leases to core deposits | 65.9701% | 2,630 |
| Total domestic deposits to total assets | 84.2559% | 3,715 |
| Equity capital to assets | 8.4961% | 3,166 |
| Core capital (leverage) ratio | 9.6674% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $590,055,000 | 1,529 |
| Average earning assets | $572,596,500 | 1,468 |
| Average equity | $52,725,000 | 1,657 |
| Average total loans | $336,253,500 | 1,566 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4815% | 4,495 |
| Cost of funding earning assets | 0.0463% | 4,702 |
| Net interest margin | 2.4352% | 4,273 |
| Noninterest income to average assets | 3.0246% | 181 |
| Noninterest expense to average assets | 2.3234% | 2,732 |
| Loan and lease loss provision to assets | 0.0529% | 1,999 |
| Net operating income to assets | 2.7970% | 117 |
| Return on assets (ROA) | 2.8377% | 117 |
| Pretax return on assets | 3.0518% | 139 |
| Return on Equity (ROE) | 29.4953% | 73 |
| Retained earnings to average equity (ytd only) | 10.3564% | 829 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1517% | 4,600 |
| Assets per employee ($millions) | 6.4472% | 2,375 |
| Cash dividends to net income (ytd only)* | 64.8881% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,300 |
| Loan loss allowance to noncurrent loans | 191.6150% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 1,389 |
| Noncurrent loans to loans | 0.8251% | 1,238 |
| Net loans and leases to total assets | 57.0236% | 2,477 |
| Net loans and leases to deposits | 71.4245% | 1,969 |
| Net loans and leases to core deposits | 71.9707% | 2,266 |
| Total domestic deposits to total assets | 79.8376% | 4,237 |
| Equity capital to assets | 9.4001% | 3,222 |
| Core capital (leverage) ratio | 8.8577% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $566,658,200 | 1,523 |
| Average earning assets | $549,114,200 | 1,473 |
| Average equity | $54,517,200 | 1,644 |
| Average total loans | $312,131,200 | 1,657 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4670% | 4,593 |
| Cost of funding earning assets | 0.0463% | 4,792 |
| Net interest margin | 2.4207% | 4,375 |
| Noninterest income to average assets | 3.0609% | 189 |
| Noninterest expense to average assets | 2.2874% | 2,785 |
| Loan and lease loss provision to assets | 0.0531% | 1,923 |
| Net operating income to assets | 2.8564% | 144 |
| Return on assets (ROA) | 2.8955% | 137 |
| Pretax return on assets | 3.1079% | 160 |
| Return on Equity (ROE) | 29.9213% | 97 |
| Retained earnings to average equity (ytd only) | 21.6574% | 88 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3095% | 4,651 |
| Assets per employee ($millions) | 7.1825% | 1,747 |
| Cash dividends to net income (ytd only)* | 27.6188% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,362 |
| Loan loss allowance to noncurrent loans | 124.7832% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 1,085 |
| Noncurrent loans to loans | 1.2734% | 861 |
| Net loans and leases to total assets | 53.1835% | 3,059 |
| Net loans and leases to deposits | 66.2450% | 2,610 |
| Net loans and leases to core deposits | 66.6809% | 2,893 |
| Total domestic deposits to total assets | 80.2831% | 4,189 |
| Equity capital to assets | 9.5887% | 3,299 |
| Core capital (leverage) ratio | 9.4196% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,871,500 | 1,539 |
| Average earning assets | $547,321,750 | 1,500 |
| Average equity | $54,662,000 | 1,662 |
| Average total loans | $307,049,000 | 1,701 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5102% | 4,608 |
| Cost of funding earning assets | 0.0467% | 4,839 |
| Net interest margin | 2.4635% | 4,350 |
| Noninterest income to average assets | 3.2189% | 169 |
| Noninterest expense to average assets | 2.3574% | 2,594 |
| Loan and lease loss provision to assets | 0.0543% | 1,947 |
| Net operating income to assets | 2.9813% | 134 |
| Return on assets (ROA) | 3.0305% | 132 |
| Pretax return on assets | 3.2479% | 144 |
| Return on Equity (ROE) | 31.2135% | 86 |
| Retained earnings to average equity (ytd only) | 26.1574% | 62 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0457% | 4,696 |
| Assets per employee ($millions) | 6.7826% | 1,961 |
| Cash dividends to net income (ytd only)* | 16.1984% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 1,062 |
| Loan loss allowance to noncurrent loans | 202.0578% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 1,873 |
| Noncurrent loans to loans | 0.8403% | 1,463 |
| Net loans and leases to total assets | 51.2770% | 3,421 |
| Net loans and leases to deposits | 61.0640% | 3,293 |
| Net loans and leases to core deposits | 61.4328% | 3,512 |
| Total domestic deposits to total assets | 83.9725% | 3,451 |
| Equity capital to assets | 9.8243% | 3,031 |
| Core capital (leverage) ratio | 9.6001% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $552,050,667 | 1,567 |
| Average earning assets | $535,086,333 | 1,516 |
| Average equity | $53,598,667 | 1,674 |
| Average total loans | $300,713,667 | 1,739 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6169% | 4,559 |
| Cost of funding earning assets | 0.0474% | 4,875 |
| Net interest margin | 2.5695% | 4,206 |
| Noninterest income to average assets | 3.3174% | 178 |
| Noninterest expense to average assets | 2.3867% | 2,537 |
| Loan and lease loss provision to assets | 0.0556% | 1,999 |
| Net operating income to assets | 3.1419% | 136 |
| Return on assets (ROA) | 3.1426% | 150 |
| Pretax return on assets | 3.3649% | 160 |
| Return on Equity (ROE) | 32.5739% | 103 |
| Retained earnings to average equity (ytd only) | 32.5739% | 65 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1052% | 4,706 |
| Assets per employee ($millions) | 6.5458% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 1,016 |
| Loan loss allowance to noncurrent loans | 186.9565% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 1,974 |
| Noncurrent loans to loans | 0.9167% | 1,475 |
| Net loans and leases to total assets | 50.6645% | 3,569 |
| Net loans and leases to deposits | 58.6535% | 3,589 |
| Net loans and leases to core deposits | 59.0405% | 3,768 |
| Total domestic deposits to total assets | 86.3794% | 2,587 |
| Equity capital to assets | 9.3574% | 3,322 |
| Core capital (leverage) ratio | 9.4065% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $539,815,000 | 1,586 |
| Average earning assets | $522,902,500 | 1,530 |
| Average equity | $52,078,500 | 1,707 |
| Average total loans | $300,706,000 | 1,745 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9942% | 4,638 |
| Cost of funding earning assets | 0.0799% | 4,911 |
| Net interest margin | 2.9144% | 4,085 |
| Noninterest income to average assets | 3.2318% | 174 |
| Noninterest expense to average assets | 2.5860% | 2,598 |
| Loan and lease loss provision to assets | 0.1631% | 2,336 |
| Net operating income to assets | 3.1241% | 87 |
| Return on assets (ROA) | 3.1692% | 86 |
| Pretax return on assets | 3.3580% | 93 |
| Return on Equity (ROE) | 31.2985% | 59 |
| Retained earnings to average equity (ytd only) | 3.1937% | 3,231 |
| Net charge-offs to loans | 0.1098% | 1,373 |
| Credit loss provision to net charge-offs | 252.3659% | 1,927 |
| Earnings coverage of net charge-offs (x) | 53.7350% | 1,137 |
| Efficiency ratio | 42.6793% | 4,824 |
| Assets per employee ($millions) | 6.0732% | 2,277 |
| Cash dividends to net income (ytd only)* | 89.7960% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 1,268 |
| Loan loss allowance to noncurrent loans | 152.9630% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 1,653 |
| Noncurrent loans to loans | 1.0524% | 1,350 |
| Net loans and leases to total assets | 59.3749% | 2,941 |
| Net loans and leases to deposits | 69.1651% | 2,966 |
| Net loans and leases to core deposits | 69.7988% | 3,266 |
| Total domestic deposits to total assets | 85.8452% | 2,432 |
| Equity capital to assets | 9.9713% | 3,155 |
| Core capital (leverage) ratio | 9.1358% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $490,440,800 | 1,582 |
| Average earning assets | $475,816,800 | 1,518 |
| Average equity | $49,660,600 | 1,702 |
| Average total loans | $288,639,000 | 1,733 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0454% | 4,704 |
| Cost of funding earning assets | 0.0894% | 4,945 |
| Net interest margin | 2.9560% | 4,074 |
| Noninterest income to average assets | 3.2501% | 168 |
| Noninterest expense to average assets | 2.4422% | 3,017 |
| Loan and lease loss provision to assets | 0.3363% | 1,150 |
| Net operating income to assets | 3.0989% | 85 |
| Return on assets (ROA) | 3.1523% | 84 |
| Pretax return on assets | 3.3997% | 94 |
| Return on Equity (ROE) | 31.0076% | 58 |
| Retained earnings to average equity (ytd only) | 22.6796% | 59 |
| Net charge-offs to loans | 0.0023% | 3,099 |
| Credit loss provision to net charge-offs | 24,500.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 2,679.2000% | 32 |
| Efficiency ratio | 39.8986% | 4,896 |
| Assets per employee ($millions) | 6.0807% | 2,199 |
| Cash dividends to net income (ytd only)* | 26.8577% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 584 |
| Loan loss allowance to noncurrent loans | 163.8745% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 1,736 |
| Noncurrent loans to loans | 1.1600% | 1,306 |
| Net loans and leases to total assets | 56.1823% | 3,604 |
| Net loans and leases to deposits | 66.8492% | 3,556 |
| Net loans and leases to core deposits | 67.4542% | 3,798 |
| Total domestic deposits to total assets | 84.0433% | 2,809 |
| Equity capital to assets | 10.3182% | 2,945 |
| Core capital (leverage) ratio | 9.8296% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,514,750 | 1,570 |
| Average earning assets | $471,519,000 | 1,512 |
| Average equity | $49,358,750 | 1,701 |
| Average total loans | $283,835,250 | 1,747 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1662% | 4,740 |
| Cost of funding earning assets | 0.1089% | 4,957 |
| Net interest margin | 3.0573% | 3,994 |
| Noninterest income to average assets | 3.4116% | 141 |
| Noninterest expense to average assets | 2.4822% | 3,010 |
| Loan and lease loss provision to assets | 0.4862% | 753 |
| Net operating income to assets | 3.1758% | 73 |
| Return on assets (ROA) | 3.2454% | 74 |
| Pretax return on assets | 3.4864% | 77 |
| Return on Equity (ROE) | 32.0999% | 51 |
| Retained earnings to average equity (ytd only) | 27.1402% | 37 |
| Net charge-offs to loans | 0.0036% | 2,855 |
| Credit loss provision to net charge-offs | 23,000.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,843.8000% | 41 |
| Efficiency ratio | 38.9066% | 4,941 |
| Assets per employee ($millions) | 6.0979% | 2,092 |
| Cash dividends to net income (ytd only)* | 15.4508% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8954% | 536 |
| Loan loss allowance to noncurrent loans | 151.0621% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 1,735 |
| Noncurrent loans to loans | 1.2547% | 1,242 |
| Net loans and leases to total assets | 55.4497% | 3,737 |
| Net loans and leases to deposits | 68.2568% | 3,542 |
| Net loans and leases to core deposits | 68.9487% | 3,790 |
| Total domestic deposits to total assets | 81.2369% | 3,552 |
| Equity capital to assets | 9.9548% | 3,250 |
| Core capital (leverage) ratio | 10.1450% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $473,040,000 | 1,575 |
| Average earning assets | $459,288,667 | 1,513 |
| Average equity | $47,825,667 | 1,744 |
| Average total loans | $278,616,333 | 1,752 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 4,701 |
| Cost of funding earning assets | 0.1687% | 4,946 |
| Net interest margin | 3.2699% | 3,665 |
| Noninterest income to average assets | 2.9051% | 161 |
| Noninterest expense to average assets | 2.6860% | 2,745 |
| Loan and lease loss provision to assets | 0.0671% | 2,922 |
| Net operating income to assets | 3.0807% | 60 |
| Return on assets (ROA) | 3.2279% | 53 |
| Pretax return on assets | 3.4827% | 59 |
| Return on Equity (ROE) | 31.6417% | 30 |
| Retained earnings to average equity (ytd only) | 31.6417% | 14 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1960% | 4,876 |
| Assets per employee ($millions) | 5.3991% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 891 |
| Loan loss allowance to noncurrent loans | 115.9317% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 1,538 |
| Noncurrent loans to loans | 1.4594% | 1,094 |
| Net loans and leases to total assets | 58.2678% | 3,650 |
| Net loans and leases to deposits | 71.3475% | 3,495 |
| Net loans and leases to core deposits | 72.2625% | 3,746 |
| Total domestic deposits to total assets | 81.6676% | 3,507 |
| Equity capital to assets | 10.4843% | 3,339 |
| Core capital (leverage) ratio | 10.7531% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,348,500 | 1,619 |
| Average earning assets | $434,023,000 | 1,538 |
| Average equity | $45,636,000 | 1,799 |
| Average total loans | $269,720,000 | 1,760 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 4,306 |
| Cost of funding earning assets | 0.3556% | 4,584 |
| Net interest margin | 3.6213% | 3,073 |
| Noninterest income to average assets | 3.3147% | 132 |
| Noninterest expense to average assets | 2.9955% | 2,033 |
| Loan and lease loss provision to assets | 0.0962% | 2,114 |
| Net operating income to assets | 3.4157% | 63 |
| Return on assets (ROA) | 3.3969% | 67 |
| Pretax return on assets | 3.6903% | 70 |
| Return on Equity (ROE) | 31.4307% | 34 |
| Retained earnings to average equity (ytd only) | 2.3809% | 3,831 |
| Net charge-offs to loans | -0.0547% | 4,837 |
| Credit loss provision to net charge-offs | -273.9726% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0359% | 4,977 |
| Assets per employee ($millions) | 5.3153% | 2,228 |
| Cash dividends to net income (ytd only)* | 92.4248% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 876 |
| Loan loss allowance to noncurrent loans | 109.1242% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 1,369 |
| Noncurrent loans to loans | 1.5146% | 948 |
| Net loans and leases to total assets | 60.3302% | 3,553 |
| Net loans and leases to deposits | 73.9370% | 3,360 |
| Net loans and leases to core deposits | 74.9116% | 3,650 |
| Total domestic deposits to total assets | 81.5967% | 3,619 |
| Equity capital to assets | 9.9106% | 4,000 |
| Core capital (leverage) ratio | 10.0310% | 3,481 |
| Tier 1 risk-based capital ratio | 11.8578% | 4,444 |
| Total risk-based capital ratio | 13.1081% | 4,315 |
| Memoranda: | ||
| Average total assets | $415,817,000 | 1,688 |
| Average earning assets | $400,492,000 | 1,627 |
| Average equity | $44,940,200 | 1,757 |
| Average total loans | $266,956,000 | 1,745 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 4,184 |
| Cost of funding earning assets | 0.3931% | 4,525 |
| Net interest margin | 3.6937% | 2,940 |
| Noninterest income to average assets | 3.0217% | 154 |
| Noninterest expense to average assets | 2.7833% | 2,609 |
| Loan and lease loss provision to assets | 0.0733% | 2,421 |
| Net operating income to assets | 3.4371% | 63 |
| Return on assets (ROA) | 3.4114% | 66 |
| Pretax return on assets | 3.6869% | 74 |
| Return on Equity (ROE) | 30.8744% | 37 |
| Retained earnings to average equity (ytd only) | 19.6940% | 52 |
| Net charge-offs to loans | -0.0732% | 4,926 |
| Credit loss provision to net charge-offs | -154.1096% | 4,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3567% | 5,070 |
| Assets per employee ($millions) | 4.9756% | 2,589 |
| Cash dividends to net income (ytd only)* | 36.2127% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 1,058 |
| Loan loss allowance to noncurrent loans | 98.7365% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 1,280 |
| Noncurrent loans to loans | 1.5919% | 926 |
| Net loans and leases to total assets | 64.3975% | 3,246 |
| Net loans and leases to deposits | 78.4157% | 3,056 |
| Net loans and leases to core deposits | 79.4931% | 3,425 |
| Total domestic deposits to total assets | 82.1233% | 3,443 |
| Equity capital to assets | 11.8181% | 2,402 |
| Core capital (leverage) ratio | 11.5826% | 2,159 |
| Tier 1 risk-based capital ratio | 13.8783% | 3,388 |
| Total risk-based capital ratio | 15.1285% | 3,300 |
| Memoranda: | ||
| Average total assets | $409,478,250 | 1,722 |
| Average earning assets | $393,485,250 | 1,668 |
| Average equity | $45,244,500 | 1,748 |
| Average total loans | $266,036,750 | 1,758 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 4,225 |
| Cost of funding earning assets | 0.3972% | 4,521 |
| Net interest margin | 3.6762% | 3,005 |
| Noninterest income to average assets | 2.9824% | 155 |
| Noninterest expense to average assets | 2.8191% | 2,521 |
| Loan and lease loss provision to assets | 0.0738% | 2,340 |
| Net operating income to assets | 3.3680% | 70 |
| Return on assets (ROA) | 3.3291% | 75 |
| Pretax return on assets | 3.5932% | 80 |
| Return on Equity (ROE) | 30.8655% | 38 |
| Retained earnings to average equity (ytd only) | 23.4512% | 33 |
| Net charge-offs to loans | -0.0076% | 4,241 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1854% | 5,089 |
| Assets per employee ($millions) | 4.6581% | 2,928 |
| Cash dividends to net income (ytd only)* | 24.0213% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 1,179 |
| Loan loss allowance to noncurrent loans | 116.2400% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 1,580 |
| Noncurrent loans to loans | 1.3188% | 1,189 |
| Net loans and leases to total assets | 66.3026% | 3,065 |
| Net loans and leases to deposits | 78.8833% | 3,071 |
| Net loans and leases to core deposits | 80.0831% | 3,415 |
| Total domestic deposits to total assets | 84.0516% | 2,839 |
| Equity capital to assets | 12.0162% | 2,171 |
| Core capital (leverage) ratio | 11.7736% | 1,968 |
| Tier 1 risk-based capital ratio | 13.6969% | 3,486 |
| Total risk-based capital ratio | 14.9163% | 3,400 |
| Memoranda: | ||
| Average total assets | $406,654,000 | 1,737 |
| Average earning assets | $392,199,670 | 1,668 |
| Average equity | $43,861,330 | 1,798 |
| Average total loans | $263,566,330 | 1,774 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 4,189 |
| Cost of funding earning assets | 0.3852% | 4,551 |
| Net interest margin | 3.6923% | 2,920 |
| Noninterest income to average assets | 2.8397% | 160 |
| Noninterest expense to average assets | 2.8077% | 2,542 |
| Loan and lease loss provision to assets | 0.0728% | 2,215 |
| Net operating income to assets | 3.4214% | 72 |
| Return on assets (ROA) | 3.3329% | 77 |
| Pretax return on assets | 3.4232% | 92 |
| Return on Equity (ROE) | 32.6925% | 39 |
| Retained earnings to average equity (ytd only) | 32.6925% | 21 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9047% | 5,105 |
| Assets per employee ($millions) | 4.6867% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,335 |
| Loan loss allowance to noncurrent loans | 107.2060% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 1,515 |
| Noncurrent loans to loans | 1.3999% | 1,156 |
| Net loans and leases to total assets | 65.1686% | 3,153 |
| Net loans and leases to deposits | 78.9564% | 2,954 |
| Net loans and leases to core deposits | 80.1510% | 3,359 |
| Total domestic deposits to total assets | 82.5374% | 3,566 |
| Equity capital to assets | 11.0268% | 2,825 |
| Core capital (leverage) ratio | 10.7236% | 2,825 |
| Tier 1 risk-based capital ratio | 12.9294% | 3,909 |
| Total risk-based capital ratio | 14.1002% | 3,852 |
| Memoranda: | ||
| Average total assets | $412,011,500 | 1,729 |
| Average earning assets | $396,716,000 | 1,652 |
| Average equity | $42,003,500 | 1,855 |
| Average total loans | $262,047,000 | 1,796 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 4,814 |
| Cost of funding earning assets | 0.2186% | 4,927 |
| Net interest margin | 3.3659% | 4,088 |
| Noninterest income to average assets | 2.9030% | 158 |
| Noninterest expense to average assets | 2.8269% | 2,591 |
| Loan and lease loss provision to assets | 0.0431% | 3,322 |
| Net operating income to assets | 3.2751% | 67 |
| Return on assets (ROA) | 3.0680% | 74 |
| Pretax return on assets | 3.0791% | 87 |
| Return on Equity (ROE) | 31.6529% | 27 |
| Retained earnings to average equity (ytd only) | 0.3176% | 4,905 |
| Net charge-offs to loans | -0.0820% | 5,107 |
| Credit loss provision to net charge-offs | -89.7436% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9190% | 5,121 |
| Assets per employee ($millions) | 4.8387% | 2,687 |
| Cash dividends to net income (ytd only)* | 98.9965% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,212 |
| Loan loss allowance to noncurrent loans | 159.5045% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 2,278 |
| Noncurrent loans to loans | 0.9564% | 1,688 |
| Net loans and leases to total assets | 60.2183% | 3,751 |
| Net loans and leases to deposits | 72.9181% | 3,593 |
| Net loans and leases to core deposits | 74.1453% | 3,843 |
| Total domestic deposits to total assets | 82.5834% | 3,457 |
| Equity capital to assets | 9.3981% | 4,219 |
| Core capital (leverage) ratio | 10.1728% | 3,382 |
| Tier 1 risk-based capital ratio | 12.1240% | 4,347 |
| Total risk-based capital ratio | 13.2920% | 4,286 |
| Memoranda: | ||
| Average total assets | $405,997,000 | 1,688 |
| Average earning assets | $392,408,400 | 1,615 |
| Average equity | $39,351,800 | 1,894 |
| Average total loans | $237,737,800 | 1,895 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5170% | 4,915 |
| Cost of funding earning assets | 0.1976% | 5,026 |
| Net interest margin | 3.3194% | 4,225 |
| Noninterest income to average assets | 2.9042% | 165 |
| Noninterest expense to average assets | 2.7650% | 2,758 |
| Loan and lease loss provision to assets | 0.0580% | 2,817 |
| Net operating income to assets | 3.2841% | 64 |
| Return on assets (ROA) | 3.1899% | 69 |
| Pretax return on assets | 3.1996% | 95 |
| Return on Equity (ROE) | 32.6514% | 31 |
| Retained earnings to average equity (ytd only) | 22.9992% | 33 |
| Net charge-offs to loans | -0.1117% | 5,194 |
| Credit loss provision to net charge-offs | -89.7436% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2043% | 5,178 |
| Assets per employee ($millions) | 4.5273% | 3,079 |
| Cash dividends to net income (ytd only)* | 29.5615% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 1,011 |
| Loan loss allowance to noncurrent loans | 145.7684% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 2,150 |
| Noncurrent loans to loans | 1.1179% | 1,525 |
| Net loans and leases to total assets | 60.1865% | 3,822 |
| Net loans and leases to deposits | 71.3939% | 3,818 |
| Net loans and leases to core deposits | 72.5861% | 4,037 |
| Total domestic deposits to total assets | 84.3020% | 2,855 |
| Equity capital to assets | 10.5819% | 3,061 |
| Core capital (leverage) ratio | 11.1593% | 2,445 |
| Tier 1 risk-based capital ratio | 13.6501% | 3,549 |
| Total risk-based capital ratio | 14.8707% | 3,470 |
| Memoranda: | ||
| Average total assets | $402,254,500 | 1,711 |
| Average earning assets | $389,296,500 | 1,632 |
| Average equity | $39,299,000 | 1,892 |
| Average total loans | $232,815,750 | 1,929 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 5,027 |
| Cost of funding earning assets | 0.1812% | 5,105 |
| Net interest margin | 3.2304% | 4,436 |
| Noninterest income to average assets | 2.9113% | 171 |
| Noninterest expense to average assets | 2.7488% | 2,848 |
| Loan and lease loss provision to assets | 0.0741% | 2,407 |
| Net operating income to assets | 3.2036% | 69 |
| Return on assets (ROA) | 3.1354% | 74 |
| Pretax return on assets | 3.1448% | 97 |
| Return on Equity (ROE) | 32.9824% | 26 |
| Retained earnings to average equity (ytd only) | 25.2381% | 22 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5416% | 5,229 |
| Assets per employee ($millions) | 4.4211% | 3,247 |
| Cash dividends to net income (ytd only)* | 23.4803% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,199 |
| Loan loss allowance to noncurrent loans | 128.8943% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 2,045 |
| Noncurrent loans to loans | 1.2135% | 1,431 |
| Net loans and leases to total assets | 59.2899% | 3,876 |
| Net loans and leases to deposits | 71.3765% | 3,759 |
| Net loans and leases to core deposits | 72.3320% | 3,985 |
| Total domestic deposits to total assets | 83.0665% | 3,395 |
| Equity capital to assets | 10.1172% | 3,525 |
| Core capital (leverage) ratio | 11.1483% | 2,393 |
| Tier 1 risk-based capital ratio | 13.2553% | 3,758 |
| Total risk-based capital ratio | 14.4254% | 3,723 |
| Memoranda: | ||
| Average total assets | $405,046,330 | 1,705 |
| Average earning assets | $391,774,330 | 1,631 |
| Average equity | $38,505,330 | 1,930 |
| Average total loans | $230,091,330 | 1,952 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 5,114 |
| Cost of funding earning assets | 0.1591% | 5,227 |
| Net interest margin | 3.1606% | 4,578 |
| Noninterest income to average assets | 2.8508% | 166 |
| Noninterest expense to average assets | 2.6960% | 3,056 |
| Loan and lease loss provision to assets | 0.0730% | 2,302 |
| Net operating income to assets | 3.1283% | 78 |
| Return on assets (ROA) | 3.1283% | 79 |
| Pretax return on assets | 3.1380% | 101 |
| Return on Equity (ROE) | 33.9519% | 28 |
| Retained earnings to average equity (ytd only) | 33.9519% | 12 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6403% | 5,293 |
| Assets per employee ($millions) | 4.4676% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 1,177 |
| Loan loss allowance to noncurrent loans | 118.6928% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 2,004 |
| Noncurrent loans to loans | 1.3406% | 1,329 |
| Net loans and leases to total assets | 57.7920% | 3,957 |
| Net loans and leases to deposits | 71.7101% | 3,641 |
| Net loans and leases to core deposits | 72.7831% | 3,897 |
| Total domestic deposits to total assets | 80.5912% | 4,295 |
| Equity capital to assets | 9.9344% | 3,661 |
| Core capital (leverage) ratio | 10.1297% | 3,384 |
| Tier 1 risk-based capital ratio | 12.6966% | 4,112 |
| Total risk-based capital ratio | 13.8395% | 4,090 |
| Memoranda: | ||
| Average total assets | $410,829,500 | 1,688 |
| Average earning assets | $397,270,500 | 1,624 |
| Average equity | $37,853,500 | 1,962 |
| Average total loans | $226,636,500 | 1,988 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1766% | 5,220 |
| Cost of funding earning assets | 0.0951% | 5,512 |
| Net interest margin | 3.0815% | 4,726 |
| Noninterest income to average assets | 2.8062% | 189 |
| Noninterest expense to average assets | 2.8042% | 2,756 |
| Loan and lease loss provision to assets | 0.1128% | 2,018 |
| Net operating income to assets | 2.8609% | 80 |
| Return on assets (ROA) | 2.8150% | 85 |
| Pretax return on assets | 2.8230% | 114 |
| Return on Equity (ROE) | 28.7359% | 39 |
| Retained earnings to average equity (ytd only) | 0.1305% | 4,964 |
| Net charge-offs to loans | -0.0362% | 5,108 |
| Credit loss provision to net charge-offs | -562.5000% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4663% | 5,289 |
| Assets per employee ($millions) | 4.8109% | 2,722 |
| Cash dividends to net income (ytd only)* | 99.5459% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,180 |
| Loan loss allowance to noncurrent loans | 109.3452% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 2,084 |
| Noncurrent loans to loans | 1.4457% | 1,184 |
| Net loans and leases to total assets | 51.1475% | 4,579 |
| Net loans and leases to deposits | 63.5056% | 4,351 |
| Net loans and leases to core deposits | 64.5483% | 4,498 |
| Total domestic deposits to total assets | 80.5402% | 4,236 |
| Equity capital to assets | 8.5672% | 5,070 |
| Core capital (leverage) ratio | 9.4348% | 4,119 |
| Tier 1 risk-based capital ratio | 12.1075% | 4,458 |
| Total risk-based capital ratio | 13.2671% | 4,400 |
| Memoranda: | ||
| Average total assets | $398,937,200 | 1,706 |
| Average earning assets | $385,754,800 | 1,643 |
| Average equity | $39,080,000 | 1,896 |
| Average total loans | $220,819,800 | 1,994 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2074% | 5,216 |
| Cost of funding earning assets | 0.0882% | 5,598 |
| Net interest margin | 3.1192% | 4,657 |
| Noninterest income to average assets | 2.8324% | 195 |
| Noninterest expense to average assets | 2.7965% | 2,737 |
| Loan and lease loss provision to assets | 0.1537% | 1,348 |
| Net operating income to assets | 2.8908% | 89 |
| Return on assets (ROA) | 2.8942% | 90 |
| Pretax return on assets | 2.9044% | 126 |
| Return on Equity (ROE) | 28.5516% | 37 |
| Retained earnings to average equity (ytd only) | 19.4218% | 56 |
| Net charge-offs to loans | -0.0467% | 5,145 |
| Credit loss provision to net charge-offs | -584.4156% | 4,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7939% | 5,354 |
| Assets per employee ($millions) | 4.6583% | 2,893 |
| Cash dividends to net income (ytd only)* | 31.9764% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,385 |
| Loan loss allowance to noncurrent loans | 103.2539% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 2,001 |
| Noncurrent loans to loans | 1.4943% | 1,250 |
| Net loans and leases to total assets | 56.6117% | 4,185 |
| Net loans and leases to deposits | 72.8872% | 3,679 |
| Net loans and leases to core deposits | 74.3149% | 3,945 |
| Total domestic deposits to total assets | 77.6703% | 4,773 |
| Equity capital to assets | 10.7914% | 3,074 |
| Core capital (leverage) ratio | 11.0332% | 2,423 |
| Tier 1 risk-based capital ratio | 13.6296% | 3,619 |
| Total risk-based capital ratio | 14.7601% | 3,607 |
| Memoranda: | ||
| Average total assets | $390,426,750 | 1,760 |
| Average earning assets | $377,862,250 | 1,691 |
| Average equity | $39,576,500 | 1,892 |
| Average total loans | $219,771,000 | 2,007 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1711% | 5,278 |
| Cost of funding earning assets | 0.0738% | 5,671 |
| Net interest margin | 3.0974% | 4,693 |
| Noninterest income to average assets | 2.7951% | 197 |
| Noninterest expense to average assets | 2.8396% | 2,615 |
| Loan and lease loss provision to assets | 0.1550% | 1,293 |
| Net operating income to assets | 2.7848% | 92 |
| Return on assets (ROA) | 2.7900% | 94 |
| Pretax return on assets | 2.8003% | 141 |
| Return on Equity (ROE) | 28.1506% | 48 |
| Retained earnings to average equity (ytd only) | 21.0856% | 51 |
| Net charge-offs to loans | -0.0684% | 5,292 |
| Credit loss provision to net charge-offs | -405.4054% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0450% | 5,352 |
| Assets per employee ($millions) | 4.3728% | 3,310 |
| Cash dividends to net income (ytd only)* | 25.0972% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,403 |
| Loan loss allowance to noncurrent loans | 89.7361% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 1,756 |
| Noncurrent loans to loans | 1.7252% | 1,051 |
| Net loans and leases to total assets | 56.8528% | 4,139 |
| Net loans and leases to deposits | 69.6160% | 3,938 |
| Net loans and leases to core deposits | 71.0723% | 4,153 |
| Total domestic deposits to total assets | 81.6663% | 3,986 |
| Equity capital to assets | 10.9071% | 2,917 |
| Core capital (leverage) ratio | 11.1554% | 2,271 |
| Tier 1 risk-based capital ratio | 13.5607% | 3,666 |
| Total risk-based capital ratio | 14.6820% | 3,651 |
| Memoranda: | ||
| Average total assets | $387,030,670 | 1,771 |
| Average earning assets | $374,188,670 | 1,707 |
| Average equity | $38,358,000 | 1,937 |
| Average total loans | $216,245,000 | 2,037 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1292% | 5,333 |
| Cost of funding earning assets | 0.0667% | 5,755 |
| Net interest margin | 3.0625% | 4,761 |
| Noninterest income to average assets | 2.7023% | 213 |
| Noninterest expense to average assets | 2.8386% | 2,656 |
| Loan and lease loss provision to assets | 0.1537% | 1,195 |
| Net operating income to assets | 2.6654% | 112 |
| Return on assets (ROA) | 2.6829% | 114 |
| Pretax return on assets | 2.6931% | 170 |
| Return on Equity (ROE) | 28.4643% | 53 |
| Retained earnings to average equity (ytd only) | 28.4643% | 34 |
| Net charge-offs to loans | -0.0951% | 5,436 |
| Credit loss provision to net charge-offs | -294.1176% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0814% | 5,371 |
| Assets per employee ($millions) | 4.3352% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,622 |
| Loan loss allowance to noncurrent loans | 85.8282% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.9972% | 1,832 |
| Noncurrent loans to loans | 1.7721% | 1,067 |
| Net loans and leases to total assets | 55.4156% | 4,216 |
| Net loans and leases to deposits | 68.6016% | 3,932 |
| Net loans and leases to core deposits | 70.0597% | 4,148 |
| Total domestic deposits to total assets | 80.7789% | 4,466 |
| Equity capital to assets | 10.5634% | 3,117 |
| Core capital (leverage) ratio | 10.3824% | 3,026 |
| Tier 1 risk-based capital ratio | 13.4179% | 3,823 |
| Total risk-based capital ratio | 14.5088% | 3,832 |
| Memoranda: | ||
| Average total assets | $390,331,000 | 1,771 |
| Average earning assets | $377,988,500 | 1,698 |
| Average equity | $36,790,000 | 1,992 |
| Average total loans | $214,524,500 | 2,065 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2172% | 5,274 |
| Cost of funding earning assets | 0.0739% | 5,795 |
| Net interest margin | 3.1433% | 4,609 |
| Noninterest income to average assets | 2.9226% | 213 |
| Noninterest expense to average assets | 2.8839% | 2,726 |
| Loan and lease loss provision to assets | 0.6414% | 200 |
| Net operating income to assets | 2.4316% | 154 |
| Return on assets (ROA) | 2.4419% | 158 |
| Pretax return on assets | 2.4533% | 212 |
| Return on Equity (ROE) | 25.5725% | 69 |
| Retained earnings to average equity (ytd only) | 0.1777% | 5,247 |
| Net charge-offs to loans | 1.1582% | 151 |
| Credit loss provision to net charge-offs | 97.1096% | 2,662 |
| Earnings coverage of net charge-offs (x) | 4.6700% | 3,464 |
| Efficiency ratio | 48.3207% | 5,564 |
| Assets per employee ($millions) | 4.6380% | 2,903 |
| Cash dividends to net income (ytd only)* | 99.3051% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 2,097 |
| Loan loss allowance to noncurrent loans | 77.7949% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 1,960 |
| Noncurrent loans to loans | 1.7946% | 1,056 |
| Net loans and leases to total assets | 52.9832% | 4,529 |
| Net loans and leases to deposits | 65.1208% | 4,322 |
| Net loans and leases to core deposits | 66.4026% | 4,502 |
| Total domestic deposits to total assets | 81.3615% | 4,247 |
| Equity capital to assets | 8.3615% | 5,382 |
| Core capital (leverage) ratio | 8.8484% | 4,912 |
| Tier 1 risk-based capital ratio | 11.5482% | 5,025 |
| Total risk-based capital ratio | 12.5823% | 5,053 |
| Memoranda: | ||
| Average total assets | $377,163,800 | 1,780 |
| Average earning assets | $365,439,400 | 1,702 |
| Average equity | $36,015,200 | 2,023 |
| Average total loans | $215,076,800 | 2,009 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 5,403 |
| Cost of funding earning assets | 0.0746% | 5,860 |
| Net interest margin | 3.0976% | 4,783 |
| Noninterest income to average assets | 2.9154% | 216 |
| Noninterest expense to average assets | 2.8553% | 2,806 |
| Loan and lease loss provision to assets | 0.7624% | 141 |
| Net operating income to assets | 2.2890% | 213 |
| Return on assets (ROA) | 2.3030% | 221 |
| Pretax return on assets | 2.3142% | 308 |
| Return on Equity (ROE) | 23.3282% | 115 |
| Retained earnings to average equity (ytd only) | 12.9561% | 222 |
| Net charge-offs to loans | 1.5505% | 83 |
| Credit loss provision to net charge-offs | 84.8958% | 2,607 |
| Earnings coverage of net charge-offs (x) | 3.4103% | 3,421 |
| Efficiency ratio | 48.2490% | 5,584 |
| Assets per employee ($millions) | 4.2605% | 3,486 |
| Cash dividends to net income (ytd only)* | 44.4618% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 3,037 |
| Loan loss allowance to noncurrent loans | 52.3059% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3880% | 1,346 |
| Noncurrent loans to loans | 2.3601% | 772 |
| Net loans and leases to total assets | 58.0853% | 4,086 |
| Net loans and leases to deposits | 71.9277% | 3,816 |
| Net loans and leases to core deposits | 74.0793% | 3,996 |
| Total domestic deposits to total assets | 80.7551% | 4,306 |
| Equity capital to assets | 10.1736% | 3,953 |
| Core capital (leverage) ratio | 9.5491% | 4,117 |
| Tier 1 risk-based capital ratio | 12.0119% | 4,783 |
| Total risk-based capital ratio | 12.9227% | 4,897 |
| Memoranda: | ||
| Average total assets | $370,579,000 | 1,808 |
| Average earning assets | $359,193,250 | 1,728 |
| Average equity | $36,584,250 | 2,005 |
| Average total loans | $214,642,000 | 2,015 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 5,474 |
| Cost of funding earning assets | 0.0744% | 5,944 |
| Net interest margin | 3.0950% | 4,848 |
| Noninterest income to average assets | 2.9328% | 213 |
| Noninterest expense to average assets | 2.9014% | 2,667 |
| Loan and lease loss provision to assets | 0.0813% | 2,512 |
| Net operating income to assets | 2.9388% | 93 |
| Return on assets (ROA) | 2.9599% | 92 |
| Pretax return on assets | 2.9708% | 124 |
| Return on Equity (ROE) | 30.2956% | 43 |
| Retained earnings to average equity (ytd only) | 22.0271% | 47 |
| Net charge-offs to loans | -0.0066% | 4,588 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9086% | 5,627 |
| Assets per employee ($millions) | 4.3080% | 3,351 |
| Cash dividends to net income (ytd only)* | 27.2927% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,825 |
| Loan loss allowance to noncurrent loans | 59.7212% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 1,332 |
| Noncurrent loans to loans | 2.5266% | 684 |
| Net loans and leases to total assets | 56.7041% | 4,233 |
| Net loans and leases to deposits | 71.0915% | 3,876 |
| Net loans and leases to core deposits | 73.0541% | 4,075 |
| Total domestic deposits to total assets | 79.7622% | 4,607 |
| Equity capital to assets | 10.2997% | 3,858 |
| Core capital (leverage) ratio | 10.2684% | 3,249 |
| Tier 1 risk-based capital ratio | 12.2952% | 4,647 |
| Total risk-based capital ratio | 13.3977% | 4,652 |
| Memoranda: | ||
| Average total assets | $369,131,670 | 1,816 |
| Average earning assets | $357,734,000 | 1,740 |
| Average equity | $36,064,670 | 2,033 |
| Average total loans | $212,690,670 | 2,029 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2096% | 5,473 |
| Cost of funding earning assets | 0.0766% | 5,997 |
| Net interest margin | 3.1330% | 4,772 |
| Noninterest income to average assets | 2.9746% | 206 |
| Noninterest expense to average assets | 2.9364% | 2,581 |
| Loan and lease loss provision to assets | 0.0819% | 2,311 |
| Net operating income to assets | 2.9866% | 98 |
| Return on assets (ROA) | 2.9910% | 97 |
| Pretax return on assets | 2.9976% | 130 |
| Return on Equity (ROE) | 31.4868% | 39 |
| Retained earnings to average equity (ytd only) | 31.4868% | 21 |
| Net charge-offs to loans | -0.0057% | 4,329 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8465% | 5,687 |
| Assets per employee ($millions) | 4.0795% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 1,971 |
| Loan loss allowance to noncurrent loans | 50.2134% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.8063% | 1,028 |
| Noncurrent loans to loans | 2.9943% | 548 |
| Net loans and leases to total assets | 58.6400% | 3,971 |
| Net loans and leases to deposits | 72.5338% | 3,600 |
| Net loans and leases to core deposits | 74.6634% | 3,824 |
| Total domestic deposits to total assets | 80.8450% | 4,541 |
| Equity capital to assets | 10.3743% | 3,651 |
| Core capital (leverage) ratio | 9.6175% | 4,015 |
| Tier 1 risk-based capital ratio | 11.9254% | 4,959 |
| Total risk-based capital ratio | 13.0054% | 4,982 |
| Memoranda: | ||
| Average total assets | $366,298,500 | 1,833 |
| Average earning assets | $355,061,000 | 1,753 |
| Average equity | $34,795,500 | 2,100 |
| Average total loans | $211,145,000 | 2,042 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0895% | 5,645 |
| Cost of funding earning assets | 0.0788% | 6,040 |
| Net interest margin | 3.0106% | 5,116 |
| Noninterest income to average assets | 2.7976% | 228 |
| Noninterest expense to average assets | 2.8166% | 3,163 |
| Loan and lease loss provision to assets | 0.0134% | 4,142 |
| Net operating income to assets | 2.8616% | 95 |
| Return on assets (ROA) | 2.8715% | 94 |
| Pretax return on assets | 2.8820% | 123 |
| Return on Equity (ROE) | 30.5307% | 54 |
| Retained earnings to average equity (ytd only) | 1.5917% | 4,812 |
| Net charge-offs to loans | 0.0040% | 4,312 |
| Credit loss provision to net charge-offs | 625.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 1,346.7500% | 36 |
| Efficiency ratio | 49.3965% | 5,780 |
| Assets per employee ($millions) | 4.3917% | 3,231 |
| Cash dividends to net income (ytd only)* | 94.7864% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 2,136 |
| Loan loss allowance to noncurrent loans | 136.5198% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 3,116 |
| Noncurrent loans to loans | 1.0759% | 2,190 |
| Net loans and leases to total assets | 55.0442% | 4,383 |
| Net loans and leases to deposits | 67.5222% | 4,171 |
| Net loans and leases to core deposits | 69.6388% | 4,320 |
| Total domestic deposits to total assets | 81.5202% | 4,326 |
| Equity capital to assets | 8.6769% | 5,407 |
| Core capital (leverage) ratio | 8.9254% | 4,973 |
| Tier 1 risk-based capital ratio | 11.0676% | 5,487 |
| Total risk-based capital ratio | 12.1282% | 5,498 |
| Memoranda: | ||
| Average total assets | $373,388,600 | 1,758 |
| Average earning assets | $360,225,000 | 1,674 |
| Average equity | $35,118,800 | 2,033 |
| Average total loans | $199,618,400 | 2,073 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0767% | 5,732 |
| Cost of funding earning assets | 0.0795% | 6,123 |
| Net interest margin | 2.9971% | 5,197 |
| Noninterest income to average assets | 2.7951% | 230 |
| Noninterest expense to average assets | 2.7814% | 3,268 |
| Loan and lease loss provision to assets | 0.0806% | 2,560 |
| Net operating income to assets | 2.8137% | 105 |
| Return on assets (ROA) | 2.8713% | 99 |
| Pretax return on assets | 2.8781% | 134 |
| Return on Equity (ROE) | 29.9403% | 52 |
| Retained earnings to average equity (ytd only) | 18.8088% | 79 |
| Net charge-offs to loans | -0.0088% | 4,949 |
| Credit loss provision to net charge-offs | -1,730.7692% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9476% | 5,824 |
| Assets per employee ($millions) | 4.2275% | 3,461 |
| Cash dividends to net income (ytd only)* | 37.1789% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,826 |
| Loan loss allowance to noncurrent loans | 134.7097% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 3,026 |
| Noncurrent loans to loans | 1.1794% | 2,172 |
| Net loans and leases to total assets | 56.1359% | 4,340 |
| Net loans and leases to deposits | 70.1442% | 3,967 |
| Net loans and leases to core deposits | 72.1930% | 4,172 |
| Total domestic deposits to total assets | 80.0292% | 4,750 |
| Equity capital to assets | 10.4275% | 3,678 |
| Core capital (leverage) ratio | 9.6912% | 4,040 |
| Tier 1 risk-based capital ratio | 12.8950% | 4,488 |
| Total risk-based capital ratio | 14.0491% | 4,459 |
| Memoranda: | ||
| Average total assets | $372,315,250 | 1,777 |
| Average earning assets | $358,690,500 | 1,696 |
| Average equity | $35,705,750 | 2,007 |
| Average total loans | $196,775,250 | 2,110 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0456% | 5,805 |
| Cost of funding earning assets | 0.0797% | 6,199 |
| Net interest margin | 2.9658% | 5,300 |
| Noninterest income to average assets | 2.7514% | 242 |
| Noninterest expense to average assets | 2.7167% | 3,538 |
| Loan and lease loss provision to assets | 0.0800% | 2,512 |
| Net operating income to assets | 2.8031% | 108 |
| Return on assets (ROA) | 2.8889% | 104 |
| Pretax return on assets | 2.8963% | 144 |
| Return on Equity (ROE) | 30.9974% | 59 |
| Retained earnings to average equity (ytd only) | 21.6982% | 67 |
| Net charge-offs to loans | -0.0093% | 4,904 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4506% | 5,936 |
| Assets per employee ($millions) | 4.3122% | 3,284 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 1,832 |
| Loan loss allowance to noncurrent loans | 127.3663% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 3,112 |
| Noncurrent loans to loans | 1.2753% | 2,113 |
| Net loans and leases to total assets | 52.5208% | 4,707 |
| Net loans and leases to deposits | 64.9236% | 4,448 |
| Net loans and leases to core deposits | 66.9732% | 4,574 |
| Total domestic deposits to total assets | 80.8964% | 4,639 |
| Equity capital to assets | 9.8018% | 4,275 |
| Core capital (leverage) ratio | 9.7614% | 3,924 |
| Tier 1 risk-based capital ratio | 12.0108% | 5,142 |
| Total risk-based capital ratio | 13.0966% | 5,147 |
| Memoranda: | ||
| Average total assets | $375,231,670 | 1,772 |
| Average earning assets | $361,313,000 | 1,696 |
| Average equity | $34,970,670 | 2,057 |
| Average total loans | $193,238,330 | 2,150 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9963% | 5,897 |
| Cost of funding earning assets | 0.0804% | 6,265 |
| Net interest margin | 2.9159% | 5,420 |
| Noninterest income to average assets | 2.6040% | 258 |
| Noninterest expense to average assets | 2.7259% | 3,501 |
| Loan and lease loss provision to assets | 0.0795% | 2,370 |
| Net operating income to assets | 2.5966% | 128 |
| Return on assets (ROA) | 2.6570% | 127 |
| Pretax return on assets | 2.6644% | 194 |
| Return on Equity (ROE) | 29.2524% | 63 |
| Retained earnings to average equity (ytd only) | 26.0903% | 41 |
| Net charge-offs to loans | -0.0084% | 4,650 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3918% | 5,893 |
| Assets per employee ($millions) | 4.5228% | 3,015 |
| Cash dividends to net income (ytd only)* | 10.8097% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 2,095 |
| Loan loss allowance to noncurrent loans | 160.5735% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 3,741 |
| Noncurrent loans to loans | 0.9888% | 2,790 |
| Net loans and leases to total assets | 50.5632% | 4,787 |
| Net loans and leases to deposits | 63.5557% | 4,419 |
| Net loans and leases to core deposits | 65.6519% | 4,552 |
| Total domestic deposits to total assets | 79.5572% | 5,156 |
| Equity capital to assets | 9.3314% | 4,925 |
| Core capital (leverage) ratio | 9.1476% | 4,792 |
| Tier 1 risk-based capital ratio | 11.1052% | 5,758 |
| Total risk-based capital ratio | 11.8338% | 5,914 |
| Memoranda: | ||
| Average total assets | $377,422,000 | 1,765 |
| Average earning assets | $363,115,500 | 1,693 |
| Average equity | $34,281,000 | 2,116 |
| Average total loans | $190,862,500 | 2,177 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9916% | 6,071 |
| Cost of funding earning assets | 0.0972% | 6,333 |
| Net interest margin | 2.8945% | 5,657 |
| Noninterest income to average assets | 2.5505% | 233 |
| Noninterest expense to average assets | 2.8088% | 3,450 |
| Loan and lease loss provision to assets | -0.0134% | 5,926 |
| Net operating income to assets | 2.5150% | 141 |
| Return on assets (ROA) | 2.5538% | 134 |
| Pretax return on assets | 2.5661% | 169 |
| Return on Equity (ROE) | 27.3967% | 77 |
| Retained earnings to average equity (ytd only) | 0.2251% | 5,677 |
| Net charge-offs to loans | 0.0832% | 3,305 |
| Credit loss provision to net charge-offs | -33.5570% | 5,383 |
| Earnings coverage of net charge-offs (x) | 62.7315% | 764 |
| Efficiency ratio | 52.7691% | 5,929 |
| Assets per employee ($millions) | 4.3578% | 3,257 |
| Cash dividends to net income (ytd only)* | 99.1785% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 1,899 |
| Loan loss allowance to noncurrent loans | 131.3709% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 3,694 |
| Noncurrent loans to loans | 1.2633% | 2,338 |
| Net loans and leases to total assets | 48.9053% | 5,080 |
| Net loans and leases to deposits | 59.8384% | 4,916 |
| Net loans and leases to core deposits | 61.7962% | 5,013 |
| Total domestic deposits to total assets | 81.7289% | 4,512 |
| Equity capital to assets | 8.8251% | 5,459 |
| Core capital (leverage) ratio | 8.5562% | 5,490 |
| Tier 1 risk-based capital ratio | 11.2200% | 5,807 |
| Total risk-based capital ratio | 12.2992% | 5,830 |
| Memoranda: | ||
| Average total assets | $371,802,400 | 1,748 |
| Average earning assets | $356,094,800 | 1,682 |
| Average equity | $34,657,400 | 2,014 |
| Average total loans | $179,190,200 | 2,238 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9733% | 6,157 |
| Cost of funding earning assets | 0.0995% | 6,417 |
| Net interest margin | 2.8738% | 5,755 |
| Noninterest income to average assets | 2.5412% | 237 |
| Noninterest expense to average assets | 2.7956% | 3,478 |
| Loan and lease loss provision to assets | 0.0806% | 2,736 |
| Net operating income to assets | 2.4104% | 166 |
| Return on assets (ROA) | 2.4316% | 160 |
| Pretax return on assets | 2.4395% | 239 |
| Return on Equity (ROE) | 25.7446% | 89 |
| Retained earnings to average equity (ytd only) | 16.4930% | 151 |
| Net charge-offs to loans | 0.0187% | 4,158 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 279.0210% | 243 |
| Efficiency ratio | 52.8015% | 5,941 |
| Assets per employee ($millions) | 4.4944% | 2,981 |
| Cash dividends to net income (ytd only)* | 35.9364% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 1,452 |
| Loan loss allowance to noncurrent loans | 139.0744% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 3,857 |
| Noncurrent loans to loans | 1.3653% | 2,371 |
| Net loans and leases to total assets | 47.2949% | 5,268 |
| Net loans and leases to deposits | 58.3115% | 5,081 |
| Net loans and leases to core deposits | 60.1738% | 5,177 |
| Total domestic deposits to total assets | 81.1074% | 4,793 |
| Equity capital to assets | 9.9031% | 4,298 |
| Core capital (leverage) ratio | 9.5582% | 4,294 |
| Tier 1 risk-based capital ratio | 12.2599% | 5,324 |
| Total risk-based capital ratio | 13.4412% | 5,291 |
| Memoranda: | ||
| Average total assets | $372,150,500 | 1,768 |
| Average earning assets | $356,543,000 | 1,699 |
| Average equity | $35,149,500 | 1,997 |
| Average total loans | $177,936,000 | 2,260 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9485% | 6,220 |
| Cost of funding earning assets | 0.1024% | 6,476 |
| Net interest margin | 2.8461% | 5,823 |
| Noninterest income to average assets | 2.5078% | 239 |
| Noninterest expense to average assets | 2.8972% | 3,172 |
| Loan and lease loss provision to assets | 0.0810% | 2,678 |
| Net operating income to assets | 2.2395% | 214 |
| Return on assets (ROA) | 2.2578% | 215 |
| Pretax return on assets | 2.2654% | 320 |
| Return on Equity (ROE) | 24.3055% | 127 |
| Retained earnings to average equity (ytd only) | 18.0039% | 123 |
| Net charge-offs to loans | 0.0340% | 3,530 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 143.7000% | 424 |
| Efficiency ratio | 55.4465% | 5,797 |
| Assets per employee ($millions) | 4.2926% | 3,285 |
| Cash dividends to net income (ytd only)* | 25.9268% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 1,813 |
| Loan loss allowance to noncurrent loans | 139.0445% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 3,986 |
| Noncurrent loans to loans | 1.3045% | 2,631 |
| Net loans and leases to total assets | 50.0837% | 4,955 |
| Net loans and leases to deposits | 61.3596% | 4,749 |
| Net loans and leases to core deposits | 63.4456% | 4,864 |
| Total domestic deposits to total assets | 81.6233% | 4,775 |
| Equity capital to assets | 9.9700% | 4,149 |
| Core capital (leverage) ratio | 9.5489% | 4,253 |
| Tier 1 risk-based capital ratio | 11.7677% | 5,656 |
| Total risk-based capital ratio | 12.9153% | 5,660 |
| Memoranda: | ||
| Average total assets | $370,357,670 | 1,772 |
| Average earning assets | $353,606,670 | 1,707 |
| Average equity | $34,403,670 | 2,022 |
| Average total loans | $176,578,670 | 2,274 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8362% | 6,370 |
| Cost of funding earning assets | 0.1066% | 6,545 |
| Net interest margin | 2.7296% | 6,064 |
| Noninterest income to average assets | 2.4122% | 253 |
| Noninterest expense to average assets | 2.8400% | 3,417 |
| Loan and lease loss provision to assets | 0.0804% | 2,541 |
| Net operating income to assets | 2.0917% | 288 |
| Return on assets (ROA) | 2.1571% | 270 |
| Pretax return on assets | 2.1646% | 379 |
| Return on Equity (ROE) | 24.0839% | 141 |
| Retained earnings to average equity (ytd only) | 24.0839% | 62 |
| Net charge-offs to loans | -0.0256% | 5,475 |
| Credit loss provision to net charge-offs | -681.8182% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5784% | 5,790 |
| Assets per employee ($millions) | 4.3722% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 1,746 |
| Loan loss allowance to noncurrent loans | 136.4639% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 4,072 |
| Noncurrent loans to loans | 1.3934% | 2,698 |
| Net loans and leases to total assets | 46.3934% | 5,293 |
| Net loans and leases to deposits | 56.5198% | 5,075 |
| Net loans and leases to core deposits | 58.1290% | 5,189 |
| Total domestic deposits to total assets | 82.0834% | 4,915 |
| Equity capital to assets | 9.3450% | 4,708 |
| Core capital (leverage) ratio | 9.1077% | 4,859 |
| Tier 1 risk-based capital ratio | 12.1276% | 5,554 |
| Total risk-based capital ratio | 13.3381% | 5,517 |
| Memoranda: | ||
| Average total assets | $373,099,000 | 1,764 |
| Average earning assets | $356,388,000 | 1,706 |
| Average equity | $33,416,500 | 2,067 |
| Average total loans | $171,808,500 | 2,324 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8325% | 6,479 |
| Cost of funding earning assets | 0.1291% | 6,609 |
| Net interest margin | 2.7033% | 6,137 |
| Noninterest income to average assets | 2.4990% | 284 |
| Noninterest expense to average assets | 3.1402% | 2,619 |
| Loan and lease loss provision to assets | 0.0840% | 3,435 |
| Net operating income to assets | 1.8525% | 438 |
| Return on assets (ROA) | 1.8650% | 436 |
| Pretax return on assets | 1.8770% | 632 |
| Return on Equity (ROE) | 19.4152% | 315 |
| Retained earnings to average equity (ytd only) | 1.0577% | 5,361 |
| Net charge-offs to loans | -0.0505% | 6,340 |
| Credit loss provision to net charge-offs | -361.4458% | 6,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7107% | 5,257 |
| Assets per employee ($millions) | 4.3554% | 3,165 |
| Cash dividends to net income (ytd only)* | 94.5520% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 1,684 |
| Loan loss allowance to noncurrent loans | 134.6011% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 4,242 |
| Noncurrent loans to loans | 1.4411% | 2,728 |
| Net loans and leases to total assets | 43.9459% | 5,675 |
| Net loans and leases to deposits | 55.8481% | 5,318 |
| Net loans and leases to core deposits | 57.7739% | 5,409 |
| Total domestic deposits to total assets | 78.6883% | 5,711 |
| Equity capital to assets | 8.5710% | 5,504 |
| Core capital (leverage) ratio | 8.6752% | 5,442 |
| Tier 1 risk-based capital ratio | 11.9072% | 5,669 |
| Total risk-based capital ratio | 13.1392% | 5,623 |
| Memoranda: | ||
| Average total assets | $357,269,200 | 1,815 |
| Average earning assets | $342,244,800 | 1,743 |
| Average equity | $34,318,400 | 2,003 |
| Average total loans | $164,323,200 | 2,365 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8274% | 6,554 |
| Cost of funding earning assets | 0.1339% | 6,688 |
| Net interest margin | 2.6935% | 6,187 |
| Noninterest income to average assets | 2.5265% | 290 |
| Noninterest expense to average assets | 3.0905% | 2,688 |
| Loan and lease loss provision to assets | 0.0850% | 3,357 |
| Net operating income to assets | 1.9251% | 417 |
| Return on assets (ROA) | 1.9444% | 419 |
| Pretax return on assets | 1.9530% | 644 |
| Return on Equity (ROE) | 19.6791% | 322 |
| Retained earnings to average equity (ytd only) | 11.3938% | 512 |
| Net charge-offs to loans | -0.0432% | 6,268 |
| Credit loss provision to net charge-offs | -424.5283% | 6,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4880% | 5,360 |
| Assets per employee ($millions) | 4.0376% | 3,762 |
| Cash dividends to net income (ytd only)* | 42.1021% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 1,910 |
| Loan loss allowance to noncurrent loans | 123.8114% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 4,236 |
| Noncurrent loans to loans | 1.5599% | 2,826 |
| Net loans and leases to total assets | 45.0320% | 5,625 |
| Net loans and leases to deposits | 57.9507% | 5,200 |
| Net loans and leases to core deposits | 59.9609% | 5,304 |
| Total domestic deposits to total assets | 77.7074% | 5,945 |
| Equity capital to assets | 9.9306% | 4,006 |
| Core capital (leverage) ratio | 9.6061% | 4,234 |
| Tier 1 risk-based capital ratio | 13.5709% | 4,713 |
| Total risk-based capital ratio | 14.8211% | 4,672 |
| Memoranda: | ||
| Average total assets | $352,945,250 | 1,848 |
| Average earning assets | $338,438,750 | 1,770 |
| Average equity | $34,872,000 | 1,995 |
| Average total loans | $163,438,500 | 2,387 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8317% | 6,588 |
| Cost of funding earning assets | 0.1371% | 6,744 |
| Net interest margin | 2.6946% | 6,184 |
| Noninterest income to average assets | 2.5426% | 311 |
| Noninterest expense to average assets | 3.0628% | 2,786 |
| Loan and lease loss provision to assets | 0.0852% | 3,377 |
| Net operating income to assets | 1.9758% | 370 |
| Return on assets (ROA) | 2.0048% | 379 |
| Pretax return on assets | 2.0133% | 592 |
| Return on Equity (ROE) | 20.3255% | 281 |
| Retained earnings to average equity (ytd only) | 13.6924% | 323 |
| Net charge-offs to loans | -0.0404% | 6,193 |
| Credit loss provision to net charge-offs | -454.5455% | 5,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6769% | 5,521 |
| Assets per employee ($millions) | 3.9359% | 3,946 |
| Cash dividends to net income (ytd only)* | 32.6346% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8869% | 2,147 |
| Loan loss allowance to noncurrent loans | 127.3864% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 4,347 |
| Noncurrent loans to loans | 1.4812% | 3,084 |
| Net loans and leases to total assets | 45.3623% | 5,602 |
| Net loans and leases to deposits | 57.6262% | 5,193 |
| Net loans and leases to core deposits | 59.5625% | 5,298 |
| Total domestic deposits to total assets | 78.7182% | 5,845 |
| Equity capital to assets | 9.7495% | 4,241 |
| Core capital (leverage) ratio | 9.5549% | 4,154 |
| Tier 1 risk-based capital ratio | 13.8815% | 4,508 |
| Total risk-based capital ratio | 15.1317% | 4,478 |
| Memoranda: | ||
| Average total assets | $352,158,000 | 1,850 |
| Average earning assets | $338,458,330 | 1,771 |
| Average equity | $34,734,670 | 2,004 |
| Average total loans | $163,533,670 | 2,392 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8703% | 6,634 |
| Cost of funding earning assets | 0.1442% | 6,813 |
| Net interest margin | 2.7262% | 6,173 |
| Noninterest income to average assets | 2.6532% | 292 |
| Noninterest expense to average assets | 2.9681% | 3,089 |
| Loan and lease loss provision to assets | 0.0850% | 3,240 |
| Net operating income to assets | 2.2045% | 243 |
| Return on assets (ROA) | 2.2544% | 243 |
| Pretax return on assets | 2.2634% | 373 |
| Return on Equity (ROE) | 22.7260% | 172 |
| Retained earnings to average equity (ytd only) | 22.7260% | 87 |
| Net charge-offs to loans | -0.1801% | 6,657 |
| Credit loss provision to net charge-offs | -101.3514% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3562% | 6,025 |
| Assets per employee ($millions) | 3.8954% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8582% | 2,425 |
| Loan loss allowance to noncurrent loans | 134.1323% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 4,536 |
| Noncurrent loans to loans | 1.3853% | 3,488 |
| Net loans and leases to total assets | 45.5265% | 5,485 |
| Net loans and leases to deposits | 57.5890% | 5,085 |
| Net loans and leases to core deposits | 59.3759% | 5,206 |
| Total domestic deposits to total assets | 79.0542% | 5,952 |
| Equity capital to assets | 10.2620% | 3,842 |
| Core capital (leverage) ratio | 9.4194% | 4,210 |
| Tier 1 risk-based capital ratio | 13.6641% | 4,751 |
| Total risk-based capital ratio | 14.9118% | 4,716 |
| Memoranda: | ||
| Average total assets | $353,089,500 | 1,874 |
| Average earning assets | $338,495,500 | 1,787 |
| Average equity | $35,026,000 | 2,014 |
| Average total loans | $164,321,500 | 2,386 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0863% | 6,732 |
| Cost of funding earning assets | 0.2093% | 6,810 |
| Net interest margin | 2.8770% | 6,265 |
| Noninterest income to average assets | 2.4321% | 328 |
| Noninterest expense to average assets | 3.1970% | 2,623 |
| Loan and lease loss provision to assets | 0.0807% | 4,693 |
| Net operating income to assets | 1.8722% | 453 |
| Return on assets (ROA) | 2.0130% | 379 |
| Pretax return on assets | 2.0262% | 571 |
| Return on Equity (ROE) | 19.6381% | 316 |
| Retained earnings to average equity (ytd only) | 0.1574% | 5,760 |
| Net charge-offs to loans | 0.0467% | 5,263 |
| Credit loss provision to net charge-offs | 366.6667% | 665 |
| Earnings coverage of net charge-offs (x) | 89.3200% | 436 |
| Efficiency ratio | 61.9375% | 5,248 |
| Assets per employee ($millions) | 3.9954% | 3,960 |
| Cash dividends to net income (ytd only)* | 99.1987% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 2,815 |
| Loan loss allowance to noncurrent loans | 90.6023% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 4,064 |
| Noncurrent loans to loans | 1.9101% | 2,795 |
| Net loans and leases to total assets | 45.8779% | 5,629 |
| Net loans and leases to deposits | 55.8565% | 5,460 |
| Net loans and leases to core deposits | 57.6848% | 5,577 |
| Total domestic deposits to total assets | 82.1352% | 5,049 |
| Equity capital to assets | 9.5826% | 4,771 |
| Core capital (leverage) ratio | 8.7299% | 5,282 |
| Tier 1 risk-based capital ratio | 12.7564% | 5,290 |
| Total risk-based capital ratio | 13.9345% | 5,278 |
| Memoranda: | ||
| Average total assets | $340,976,000 | 1,899 |
| Average earning assets | $323,492,600 | 1,840 |
| Average equity | $34,952,400 | 1,980 |
| Average total loans | $160,677,200 | 2,422 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1267% | 6,839 |
| Cost of funding earning assets | 0.2260% | 6,887 |
| Net interest margin | 2.9008% | 6,359 |
| Noninterest income to average assets | 2.3795% | 328 |
| Noninterest expense to average assets | 3.1060% | 2,871 |
| Loan and lease loss provision to assets | 0.0889% | 4,493 |
| Net operating income to assets | 1.9249% | 432 |
| Return on assets (ROA) | 2.1158% | 359 |
| Pretax return on assets | 2.1253% | 541 |
| Return on Equity (ROE) | 20.2923% | 318 |
| Retained earnings to average equity (ytd only) | 12.3315% | 479 |
| Net charge-offs to loans | 0.0226% | 5,349 |
| Credit loss provision to net charge-offs | 833.3333% | 336 |
| Earnings coverage of net charge-offs (x) | 189.5878% | 238 |
| Efficiency ratio | 60.5533% | 5,400 |
| Assets per employee ($millions) | 3.9821% | 3,907 |
| Cash dividends to net income (ytd only)* | 39.2304% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 2,540 |
| Loan loss allowance to noncurrent loans | 131.1558% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.2605% | 3,780 |
| Noncurrent loans to loans | 1.4345% | 3,654 |
| Net loans and leases to total assets | 42.7273% | 6,062 |
| Net loans and leases to deposits | 51.2437% | 6,025 |
| Net loans and leases to core deposits | 52.8365% | 6,127 |
| Total domestic deposits to total assets | 83.3807% | 4,491 |
| Equity capital to assets | 10.5699% | 3,768 |
| Core capital (leverage) ratio | 9.9433% | 3,625 |
| Tier 1 risk-based capital ratio | 15.0202% | 3,838 |
| Total risk-based capital ratio | 16.2703% | 3,784 |
| Memoranda: | ||
| Average total assets | $337,321,500 | 1,934 |
| Average earning assets | $319,770,500 | 1,876 |
| Average equity | $35,171,750 | 1,983 |
| Average total loans | $159,343,500 | 2,461 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1766% | 6,890 |
| Cost of funding earning assets | 0.2402% | 6,943 |
| Net interest margin | 2.9364% | 6,364 |
| Noninterest income to average assets | 2.5145% | 295 |
| Noninterest expense to average assets | 3.2083% | 2,561 |
| Loan and lease loss provision to assets | 0.0901% | 4,445 |
| Net operating income to assets | 1.9823% | 400 |
| Return on assets (ROA) | 2.2328% | 310 |
| Pretax return on assets | 2.2424% | 457 |
| Return on Equity (ROE) | 21.5173% | 267 |
| Retained earnings to average equity (ytd only) | 15.6358% | 248 |
| Net charge-offs to loans | 0.1151% | 4,023 |
| Credit loss provision to net charge-offs | 161.2903% | 1,728 |
| Earnings coverage of net charge-offs (x) | 37.2688% | 924 |
| Efficiency ratio | 60.6449% | 5,477 |
| Assets per employee ($millions) | 3.9306% | 4,018 |
| Cash dividends to net income (ytd only)* | 27.3339% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 3,119 |
| Loan loss allowance to noncurrent loans | 116.6168% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.3361% | 3,768 |
| Noncurrent loans to loans | 1.4808% | 3,691 |
| Net loans and leases to total assets | 45.4312% | 5,875 |
| Net loans and leases to deposits | 53.4917% | 5,912 |
| Net loans and leases to core deposits | 55.1216% | 6,015 |
| Total domestic deposits to total assets | 84.9313% | 3,890 |
| Equity capital to assets | 10.4930% | 3,700 |
| Core capital (leverage) ratio | 10.1278% | 3,227 |
| Tier 1 risk-based capital ratio | 14.7622% | 3,925 |
| Total risk-based capital ratio | 15.9562% | 3,921 |
| Memoranda: | ||
| Average total assets | $332,952,330 | 1,957 |
| Average earning assets | $314,738,000 | 1,895 |
| Average equity | $34,549,000 | 2,004 |
| Average total loans | $161,591,330 | 2,442 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 6,915 |
| Cost of funding earning assets | 0.2574% | 6,989 |
| Net interest margin | 3.0046% | 6,288 |
| Noninterest income to average assets | 2.6086% | 288 |
| Noninterest expense to average assets | 3.1749% | 2,680 |
| Loan and lease loss provision to assets | 0.0913% | 4,212 |
| Net operating income to assets | 2.1617% | 310 |
| Return on assets (ROA) | 2.6695% | 172 |
| Pretax return on assets | 2.6793% | 262 |
| Return on Equity (ROE) | 25.8777% | 166 |
| Retained earnings to average equity (ytd only) | 25.8777% | 86 |
| Net charge-offs to loans | 0.2718% | 2,582 |
| Credit loss provision to net charge-offs | 67.5676% | 2,963 |
| Earnings coverage of net charge-offs (x) | 16.7387% | 1,340 |
| Efficiency ratio | 58.3875% | 5,862 |
| Assets per employee ($millions) | 3.9239% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,549 |
| Loan loss allowance to noncurrent loans | 124.5631% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.3504% | 3,860 |
| Noncurrent loans to loans | 1.3232% | 4,129 |
| Net loans and leases to total assets | 48.3148% | 5,513 |
| Net loans and leases to deposits | 57.2137% | 5,467 |
| Net loans and leases to core deposits | 58.9523% | 5,628 |
| Total domestic deposits to total assets | 84.4461% | 4,301 |
| Equity capital to assets | 10.8520% | 3,082 |
| Core capital (leverage) ratio | 10.1806% | 3,135 |
| Tier 1 risk-based capital ratio | 15.3195% | 3,549 |
| Total risk-based capital ratio | 16.5347% | 3,522 |
| Memoranda: | ||
| Average total assets | $328,448,000 | 1,978 |
| Average earning assets | $309,256,500 | 1,933 |
| Average equity | $33,882,500 | 2,043 |
| Average total loans | $163,343,500 | 2,430 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 6,980 |
| Cost of funding earning assets | 0.3236% | 7,064 |
| Net interest margin | 3.2031% | 6,087 |
| Noninterest income to average assets | 2.5280% | 264 |
| Noninterest expense to average assets | 3.2356% | 2,744 |
| Loan and lease loss provision to assets | 0.3360% | 3,006 |
| Net operating income to assets | 1.9387% | 350 |
| Return on assets (ROA) | 1.9888% | 335 |
| Pretax return on assets | 2.0048% | 530 |
| Return on Equity (ROE) | 18.6432% | 341 |
| Retained earnings to average equity (ytd only) | 0.1817% | 5,757 |
| Net charge-offs to loans | 0.8310% | 2,091 |
| Credit loss provision to net charge-offs | 79.2773% | 4,491 |
| Earnings coverage of net charge-offs (x) | 5.4034% | 2,801 |
| Efficiency ratio | 58.5553% | 5,973 |
| Assets per employee ($millions) | 3.8513% | 4,201 |
| Cash dividends to net income (ytd only)* | 99.0256% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,570 |
| Loan loss allowance to noncurrent loans | 189.8438% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 4,378 |
| Noncurrent loans to loans | 0.8446% | 4,998 |
| Net loans and leases to total assets | 49.5222% | 5,652 |
| Net loans and leases to deposits | 59.8251% | 5,504 |
| Net loans and leases to core deposits | 61.9198% | 5,660 |
| Total domestic deposits to total assets | 82.7783% | 4,850 |
| Equity capital to assets | 9.7888% | 4,455 |
| Core capital (leverage) ratio | 9.4772% | 4,062 |
| Tier 1 risk-based capital ratio | 13.9835% | 4,337 |
| Total risk-based capital ratio | 15.1872% | 4,329 |
| Memoranda: | ||
| Average total assets | $319,938,600 | 2,008 |
| Average earning assets | $299,429,800 | 1,958 |
| Average equity | $34,130,400 | 1,964 |
| Average total loans | $163,179,000 | 2,455 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 7,032 |
| Cost of funding earning assets | 0.3398% | 7,145 |
| Net interest margin | 3.2509% | 6,011 |
| Noninterest income to average assets | 2.5025% | 264 |
| Noninterest expense to average assets | 3.1344% | 3,042 |
| Loan and lease loss provision to assets | 0.0946% | 5,283 |
| Net operating income to assets | 2.3068% | 207 |
| Return on assets (ROA) | 2.3738% | 197 |
| Pretax return on assets | 2.3860% | 308 |
| Return on Equity (ROE) | 21.7834% | 227 |
| Retained earnings to average equity (ytd only) | 12.6356% | 416 |
| Net charge-offs to loans | 0.0099% | 6,020 |
| Credit loss provision to net charge-offs | 1,875.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 478.2381% | 77 |
| Efficiency ratio | 56.5030% | 6,210 |
| Assets per employee ($millions) | 3.7581% | 4,387 |
| Cash dividends to net income (ytd only)* | 41.9943% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9131% | 2,579 |
| Loan loss allowance to noncurrent loans | 160.1922% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 4,056 |
| Noncurrent loans to loans | 1.1943% | 4,544 |
| Net loans and leases to total assets | 50.8321% | 5,602 |
| Net loans and leases to deposits | 61.2858% | 5,478 |
| Net loans and leases to core deposits | 63.7411% | 5,648 |
| Total domestic deposits to total assets | 82.9427% | 4,710 |
| Equity capital to assets | 11.2479% | 2,913 |
| Core capital (leverage) ratio | 10.6398% | 2,718 |
| Tier 1 risk-based capital ratio | 15.8872% | 3,172 |
| Total risk-based capital ratio | 17.1401% | 3,128 |
| Memoranda: | ||
| Average total assets | $317,119,500 | 2,028 |
| Average earning assets | $297,014,000 | 1,976 |
| Average equity | $34,557,500 | 1,947 |
| Average total loans | $162,299,250 | 2,478 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 7,087 |
| Cost of funding earning assets | 0.3544% | 7,217 |
| Net interest margin | 3.2616% | 5,967 |
| Noninterest income to average assets | 2.4814% | 275 |
| Noninterest expense to average assets | 3.0953% | 3,276 |
| Loan and lease loss provision to assets | 0.0948% | 5,145 |
| Net operating income to assets | 2.3326% | 208 |
| Return on assets (ROA) | 2.4334% | 186 |
| Pretax return on assets | 2.4473% | 269 |
| Return on Equity (ROE) | 22.5748% | 213 |
| Retained earnings to average equity (ytd only) | 16.6158% | 174 |
| Net charge-offs to loans | 0.0012% | 5,870 |
| Credit loss provision to net charge-offs | 15,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 3,860.0000% | 2 |
| Efficiency ratio | 55.9159% | 6,433 |
| Assets per employee ($millions) | 3.6091% | 4,660 |
| Cash dividends to net income (ytd only)* | 26.3965% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,602 |
| Loan loss allowance to noncurrent loans | 267.7308% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 4,617 |
| Noncurrent loans to loans | 0.7179% | 5,473 |
| Net loans and leases to total assets | 50.4284% | 5,766 |
| Net loans and leases to deposits | 60.5971% | 5,661 |
| Net loans and leases to core deposits | 63.0687% | 5,802 |
| Total domestic deposits to total assets | 83.2191% | 4,663 |
| Equity capital to assets | 11.3135% | 2,669 |
| Core capital (leverage) ratio | 10.7690% | 2,454 |
| Tier 1 risk-based capital ratio | 15.8179% | 3,070 |
| Total risk-based capital ratio | 17.0704% | 3,047 |
| Memoranda: | ||
| Average total assets | $316,347,330 | 2,039 |
| Average earning assets | $296,234,000 | 1,998 |
| Average equity | $34,100,000 | 1,952 |
| Average total loans | $161,218,000 | 2,522 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 7,181 |
| Cost of funding earning assets | 0.3707% | 7,284 |
| Net interest margin | 3.1726% | 6,160 |
| Noninterest income to average assets | 2.4149% | 280 |
| Noninterest expense to average assets | 3.1166% | 3,190 |
| Loan and lease loss provision to assets | 0.0945% | 4,831 |
| Net operating income to assets | 2.1693% | 274 |
| Return on assets (ROA) | 2.2461% | 257 |
| Pretax return on assets | 2.2562% | 365 |
| Return on Equity (ROE) | 21.3606% | 273 |
| Retained earnings to average equity (ytd only) | 21.3606% | 145 |
| Net charge-offs to loans | 0.0074% | 5,008 |
| Credit loss provision to net charge-offs | 2,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 601.6667% | 38 |
| Efficiency ratio | 57.8172% | 6,290 |
| Assets per employee ($millions) | 3.6755% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 2,742 |
| Loan loss allowance to noncurrent loans | 307.2081% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 4,386 |
| Noncurrent loans to loans | 0.6136% | 5,808 |
| Net loans and leases to total assets | 50.4108% | 5,793 |
| Net loans and leases to deposits | 61.6562% | 5,551 |
| Net loans and leases to core deposits | 64.7907% | 5,641 |
| Total domestic deposits to total assets | 81.7611% | 5,405 |
| Equity capital to assets | 10.8175% | 2,860 |
| Core capital (leverage) ratio | 10.2027% | 2,927 |
| Tier 1 risk-based capital ratio | 15.1559% | 3,339 |
| Total risk-based capital ratio | 16.4078% | 3,298 |
| Memoranda: | ||
| Average total assets | $317,527,000 | 2,055 |
| Average earning assets | $297,798,000 | 2,005 |
| Average equity | $33,388,500 | 1,976 |
| Average total loans | $161,106,000 | 2,548 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 7,276 |
| Cost of funding earning assets | 0.5002% | 7,298 |
| Net interest margin | 3.2524% | 6,124 |
| Noninterest income to average assets | 2.2567% | 324 |
| Noninterest expense to average assets | 3.1185% | 3,389 |
| Loan and lease loss provision to assets | 0.1226% | 5,935 |
| Net operating income to assets | 2.0569% | 254 |
| Return on assets (ROA) | 2.1580% | 223 |
| Pretax return on assets | 2.1715% | 344 |
| Return on Equity (ROE) | 20.2639% | 241 |
| Retained earnings to average equity (ytd only) | -3.7252% | 6,183 |
| Net charge-offs to loans | 0.0931% | 5,918 |
| Credit loss provision to net charge-offs | 259.7403% | 1,083 |
| Earnings coverage of net charge-offs (x) | 46.4286% | 499 |
| Efficiency ratio | 58.7230% | 6,242 |
| Assets per employee ($millions) | 3.8409% | 4,146 |
| Cash dividends to net income (ytd only)* | 118.3833% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 2,770 |
| Loan loss allowance to noncurrent loans | 104.1241% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 4,713 |
| Noncurrent loans to loans | 1.7546% | 3,875 |
| Net loans and leases to total assets | 49.2008% | 6,255 |
| Net loans and leases to deposits | 59.1694% | 6,139 |
| Net loans and leases to core deposits | 61.0968% | 6,307 |
| Total domestic deposits to total assets | 83.1524% | 4,733 |
| Equity capital to assets | 10.2225% | 3,468 |
| Core capital (leverage) ratio | 9.6529% | 3,480 |
| Tier 1 risk-based capital ratio | 14.1963% | 3,739 |
| Total risk-based capital ratio | 15.4474% | 3,694 |
| Memoranda: | ||
| Average total assets | $326,182,400 | 1,994 |
| Average earning assets | $306,269,200 | 1,947 |
| Average equity | $34,736,600 | 1,907 |
| Average total loans | $165,378,800 | 2,538 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 7,413 |
| Cost of funding earning assets | 0.5300% | 7,400 |
| Net interest margin | 3.2547% | 6,154 |
| Noninterest income to average assets | 2.1369% | 345 |
| Noninterest expense to average assets | 2.9807% | 3,819 |
| Loan and lease loss provision to assets | 0.0917% | 6,120 |
| Net operating income to assets | 2.1100% | 281 |
| Return on assets (ROA) | 2.2201% | 247 |
| Pretax return on assets | 2.2286% | 383 |
| Return on Equity (ROE) | 20.6426% | 278 |
| Retained earnings to average equity (ytd only) | 5.4923% | 2,652 |
| Net charge-offs to loans | 0.1668% | 4,981 |
| Credit loss provision to net charge-offs | 108.1731% | 3,941 |
| Earnings coverage of net charge-offs (x) | 26.0670% | 975 |
| Efficiency ratio | 57.4211% | 6,358 |
| Assets per employee ($millions) | 3.8262% | 4,204 |
| Cash dividends to net income (ytd only)* | 73.3933% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 3,393 |
| Loan loss allowance to noncurrent loans | 273.5944% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 5,583 |
| Noncurrent loans to loans | 0.5974% | 6,016 |
| Net loans and leases to total assets | 51.0222% | 6,215 |
| Net loans and leases to deposits | 63.8473% | 5,933 |
| Net loans and leases to core deposits | 66.5152% | 6,084 |
| Total domestic deposits to total assets | 79.9129% | 5,733 |
| Equity capital to assets | 11.3982% | 2,605 |
| Core capital (leverage) ratio | 10.5101% | 2,675 |
| Tier 1 risk-based capital ratio | 14.9001% | 3,302 |
| Total risk-based capital ratio | 16.1037% | 3,301 |
| Memoranda: | ||
| Average total assets | $327,069,750 | 2,016 |
| Average earning assets | $306,911,000 | 1,967 |
| Average equity | $35,175,500 | 1,904 |
| Average total loans | $166,300,500 | 2,571 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 7,495 |
| Cost of funding earning assets | 0.5535% | 7,479 |
| Net interest margin | 3.2267% | 6,232 |
| Noninterest income to average assets | 2.0714% | 338 |
| Noninterest expense to average assets | 2.9268% | 3,972 |
| Loan and lease loss provision to assets | 0.0912% | 6,013 |
| Net operating income to assets | 2.0756% | 291 |
| Return on assets (ROA) | 2.2070% | 250 |
| Pretax return on assets | 2.2149% | 398 |
| Return on Equity (ROE) | 20.9286% | 260 |
| Retained earnings to average equity (ytd only) | 4.9122% | 2,953 |
| Net charge-offs to loans | 0.0229% | 6,018 |
| Credit loss provision to net charge-offs | 789.4737% | 469 |
| Earnings coverage of net charge-offs (x) | 188.2632% | 180 |
| Efficiency ratio | 57.3710% | 6,466 |
| Assets per employee ($millions) | 3.8531% | 4,093 |
| Cash dividends to net income (ytd only)* | 76.5289% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,948 |
| Loan loss allowance to noncurrent loans | 210.6083% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9834% | 5,170 |
| Noncurrent loans to loans | 0.8238% | 5,632 |
| Net loans and leases to total assets | 50.8911% | 6,321 |
| Net loans and leases to deposits | 62.8358% | 6,153 |
| Net loans and leases to core deposits | 66.2889% | 6,219 |
| Total domestic deposits to total assets | 80.9906% | 5,400 |
| Equity capital to assets | 11.1864% | 2,700 |
| Core capital (leverage) ratio | 10.2120% | 2,927 |
| Tier 1 risk-based capital ratio | 14.2791% | 3,557 |
| Total risk-based capital ratio | 15.5026% | 3,542 |
| Memoranda: | ||
| Average total assets | $328,959,330 | 2,016 |
| Average earning assets | $308,918,330 | 1,969 |
| Average equity | $34,689,330 | 1,927 |
| Average total loans | $166,163,670 | 2,607 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 7,630 |
| Cost of funding earning assets | 0.5665% | 7,585 |
| Net interest margin | 3.1495% | 6,453 |
| Noninterest income to average assets | 1.9984% | 339 |
| Noninterest expense to average assets | 2.8474% | 4,289 |
| Loan and lease loss provision to assets | 0.0894% | 5,743 |
| Net operating income to assets | 2.0175% | 334 |
| Return on assets (ROA) | 2.0199% | 364 |
| Pretax return on assets | 2.0271% | 575 |
| Return on Equity (ROE) | 19.7195% | 397 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | -0.2795% | 7,728 |
| Credit loss provision to net charge-offs | -64.1026% | 6,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3901% | 6,579 |
| Assets per employee ($millions) | 4.0827% | 3,674 |
| Cash dividends to net income (ytd only)* | 100.0000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 2,897 |
| Loan loss allowance to noncurrent loans | 97.8408% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0677% | 5,009 |
| Noncurrent loans to loans | 1.7879% | 4,064 |
| Net loans and leases to total assets | 49.2543% | 6,551 |
| Net loans and leases to deposits | 60.3171% | 6,436 |
| Net loans and leases to core deposits | 62.2179% | 6,586 |
| Total domestic deposits to total assets | 81.6590% | 5,211 |
| Equity capital to assets | 10.4080% | 3,333 |
| Core capital (leverage) ratio | 9.6304% | 3,596 |
| Tier 1 risk-based capital ratio | 12.9325% | 4,385 |
| Total risk-based capital ratio | 14.0943% | 4,421 |
| Memoranda: | ||
| Average total assets | $335,461,500 | 2,039 |
| Average earning assets | $315,603,500 | 1,977 |
| Average equity | $34,362,000 | 1,970 |
| Average total loans | $167,429,500 | 2,655 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9044% | 7,731 |
| Cost of funding earning assets | 0.7618% | 7,606 |
| Net interest margin | 3.1426% | 6,251 |
| Noninterest income to average assets | 2.0621% | 358 |
| Noninterest expense to average assets | 2.9432% | 4,369 |
| Loan and lease loss provision to assets | 0.4652% | 4,047 |
| Net operating income to assets | 1.5982% | 553 |
| Return on assets (ROA) | 1.6401% | 527 |
| Pretax return on assets | 1.6538% | 860 |
| Return on Equity (ROE) | 15.9266% | 566 |
| Retained earnings to average equity (ytd only) | 2.4370% | 3,429 |
| Net charge-offs to loans | 0.7746% | 2,886 |
| Credit loss provision to net charge-offs | 124.5902% | 4,214 |
| Earnings coverage of net charge-offs (x) | 5.5623% | 2,560 |
| Efficiency ratio | 58.6295% | 6,675 |
| Assets per employee ($millions) | 4.2003% | 3,438 |
| Cash dividends to net income (ytd only)* | 84.6986% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 3,274 |
| Loan loss allowance to noncurrent loans | 126.0121% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 5,700 |
| Noncurrent loans to loans | 1.2710% | 4,805 |
| Net loans and leases to total assets | 48.8994% | 6,738 |
| Net loans and leases to deposits | 59.9952% | 6,635 |
| Net loans and leases to core deposits | 64.1069% | 7,081 |
| Total domestic deposits to total assets | 81.5056% | 5,152 |
| Equity capital to assets | 10.0830% | 3,644 |
| Core capital (leverage) ratio | 9.7881% | 3,336 |
| Tier 1 risk-based capital ratio | 12.6553% | 4,396 |
| Total risk-based capital ratio | 13.7169% | 4,495 |
| Memoranda: | ||
| Average total assets | $326,757,400 | 2,074 |
| Average earning assets | $307,548,800 | 2,025 |
| Average equity | $33,648,200 | 1,992 |
| Average total loans | $157,509,800 | 2,810 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 7,823 |
| Cost of funding earning assets | 0.8090% | 7,680 |
| Net interest margin | 3.1340% | 6,218 |
| Noninterest income to average assets | 2.0713% | 344 |
| Noninterest expense to average assets | 3.0031% | 4,031 |
| Loan and lease loss provision to assets | 0.3896% | 3,978 |
| Net operating income to assets | 1.6277% | 632 |
| Return on assets (ROA) | 1.5902% | 729 |
| Pretax return on assets | 1.5960% | 1,185 |
| Return on Equity (ROE) | 15.3582% | 725 |
| Retained earnings to average equity (ytd only) | 6.4547% | 1,736 |
| Net charge-offs to loans | 0.4225% | 3,570 |
| Credit loss provision to net charge-offs | 192.8571% | 2,345 |
| Earnings coverage of net charge-offs (x) | 10.0142% | 2,023 |
| Efficiency ratio | 59.7490% | 6,450 |
| Assets per employee ($millions) | 4.0227% | 3,683 |
| Cash dividends to net income (ytd only)* | 57.9725% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 2,188 |
| Loan loss allowance to noncurrent loans | 105.8802% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 5,257 |
| Noncurrent loans to loans | 1.7306% | 4,040 |
| Net loans and leases to total assets | 47.0734% | 7,029 |
| Net loans and leases to deposits | 57.1000% | 7,021 |
| Net loans and leases to core deposits | 61.0264% | 7,362 |
| Total domestic deposits to total assets | 82.4402% | 4,480 |
| Equity capital to assets | 10.7944% | 3,213 |
| Core capital (leverage) ratio | 10.2748% | 2,999 |
| Tier 1 risk-based capital ratio | 14.1029% | 3,486 |
| Total risk-based capital ratio | 15.3230% | 3,449 |
| Memoranda: | ||
| Average total assets | $323,390,000 | 2,109 |
| Average earning assets | $304,906,250 | 2,060 |
| Average equity | $33,484,000 | 2,027 |
| Average total loans | $154,618,000 | 2,876 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 7,897 |
| Cost of funding earning assets | 0.8589% | 7,748 |
| Net interest margin | 3.1698% | 6,018 |
| Noninterest income to average assets | 2.1211% | 334 |
| Noninterest expense to average assets | 3.0244% | 3,992 |
| Loan and lease loss provision to assets | 0.5394% | 2,874 |
| Net operating income to assets | 1.5401% | 769 |
| Return on assets (ROA) | 1.4837% | 925 |
| Pretax return on assets | 1.4868% | 1,486 |
| Return on Equity (ROE) | 14.5377% | 898 |
| Retained earnings to average equity (ytd only) | 8.3654% | 1,101 |
| Net charge-offs to loans | 0.2142% | 4,168 |
| Credit loss provision to net charge-offs | 527.2727% | 874 |
| Earnings coverage of net charge-offs (x) | 20.3576% | 1,315 |
| Efficiency ratio | 59.2206% | 6,662 |
| Assets per employee ($millions) | 3.7959% | 4,104 |
| Cash dividends to net income (ytd only)* | 42.4572% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1059% | 1,382 |
| Loan loss allowance to noncurrent loans | 135.4067% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 5,202 |
| Noncurrent loans to loans | 1.5552% | 4,160 |
| Net loans and leases to total assets | 45.3849% | 7,238 |
| Net loans and leases to deposits | 54.7148% | 7,231 |
| Net loans and leases to core deposits | 58.5762% | 7,500 |
| Total domestic deposits to total assets | 82.9482% | 4,263 |
| Equity capital to assets | 10.8171% | 3,093 |
| Core capital (leverage) ratio | 10.3093% | 2,983 |
| Tier 1 risk-based capital ratio | 11.8002% | 5,102 |
| Total risk-based capital ratio | 12.9189% | 5,157 |
| Memoranda: | ||
| Average total assets | $322,574,670 | 2,137 |
| Average earning assets | $303,867,670 | 2,090 |
| Average equity | $32,921,330 | 2,063 |
| Average total loans | $154,075,670 | 2,918 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 8,004 |
| Cost of funding earning assets | 0.9184% | 7,792 |
| Net interest margin | 3.0328% | 6,395 |
| Noninterest income to average assets | 2.0565% | 349 |
| Noninterest expense to average assets | 2.8604% | 4,302 |
| Loan and lease loss provision to assets | 0.0740% | 6,031 |
| Net operating income to assets | 1.9751% | 365 |
| Return on assets (ROA) | 1.9751% | 417 |
| Pretax return on assets | 1.9764% | 696 |
| Return on Equity (ROE) | 19.9399% | 427 |
| Retained earnings to average equity (ytd only) | 19.9399% | 164 |
| Net charge-offs to loans | 0.0738% | 4,446 |
| Credit loss provision to net charge-offs | 206.8966% | 2,159 |
| Earnings coverage of net charge-offs (x) | 57.3448% | 666 |
| Efficiency ratio | 58.2476% | 6,661 |
| Assets per employee ($millions) | 3.8847% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 2,663 |
| Loan loss allowance to noncurrent loans | 108.2557% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 5,125 |
| Noncurrent loans to loans | 1.4477% | 4,130 |
| Net loans and leases to total assets | 46.9434% | 7,110 |
| Net loans and leases to deposits | 56.4839% | 7,135 |
| Net loans and leases to core deposits | 60.2481% | 7,442 |
| Total domestic deposits to total assets | 83.1094% | 4,088 |
| Equity capital to assets | 10.2993% | 3,656 |
| Core capital (leverage) ratio | 10.2839% | 3,128 |
| Tier 1 risk-based capital ratio | 11.0696% | 5,834 |
| Total risk-based capital ratio | 11.8862% | 6,174 |
| Memoranda: | ||
| Average total assets | $324,433,500 | 2,140 |
| Average earning assets | $305,323,500 | 2,088 |
| Average equity | $32,136,500 | 2,105 |
| Average total loans | $157,200,500 | 2,891 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 7,802 |
| Cost of funding earning assets | 1.7252% | 7,200 |
| Net interest margin | 3.3273% | 5,938 |
| Noninterest income to average assets | 0.5497% | 4,231 |
| Noninterest expense to average assets | 2.0489% | 7,347 |
| Loan and lease loss provision to assets | 0.1926% | 4,958 |
| Net operating income to assets | 1.4162% | 1,192 |
| Return on assets (ROA) | 1.4162% | 1,147 |
| Pretax return on assets | 1.4237% | 1,897 |
| Return on Equity (ROE) | 14.5235% | 1,004 |
| Retained earnings to average equity (ytd only) | 1.0280% | 4,608 |
| Net charge-offs to loans | 0.3823% | 2,918 |
| Credit loss provision to net charge-offs | 99.8377% | 5,380 |
| Earnings coverage of net charge-offs (x) | 8.3766% | 2,895 |
| Efficiency ratio | 55.9012% | 7,025 |
| Assets per employee ($millions) | 5.1199% | 1,810 |
| Cash dividends to net income (ytd only)* | 92.9219% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 2,602 |
| Loan loss allowance to noncurrent loans | 88.6883% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 4,545 |
| Noncurrent loans to loans | 1.7093% | 3,206 |
| Net loans and leases to total assets | 48.4795% | 7,151 |
| Net loans and leases to deposits | 59.8644% | 7,099 |
| Net loans and leases to core deposits | 63.9824% | 7,445 |
| Total domestic deposits to total assets | 80.9822% | 4,645 |
| Equity capital to assets | 9.5069% | 4,683 |
| Core capital (leverage) ratio | 9.4123% | 4,139 |
| Tier 1 risk-based capital ratio | 10.5073% | 6,205 |
| Total risk-based capital ratio | 11.3477% | 6,500 |
| Memoranda: | ||
| Average total assets | $319,244,400 | 2,091 |
| Average earning assets | $298,924,200 | 2,046 |
| Average equity | $31,128,800 | 2,162 |
| Average total loans | $161,114,600 | 2,758 |