Home > Wyoming Bank & Trust > Performance and Condition Ratios
Wyoming Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 2,052 |
| Cost of funding earning assets | 2.3398% | 507 |
| Net interest margin | 2.6700% | 3,862 |
| Noninterest income to average assets | 6.7000% | 107 |
| Noninterest expense to average assets | 7.6471% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5794% | 892 |
| Return on assets (ROA) | 1.4984% | 994 |
| Pretax return on assets | 1.4984% | 1,425 |
| Return on Equity (ROE) | 23.8400% | 359 |
| Retained earnings to average equity (ytd only) | 18.2612% | 182 |
| Net charge-offs to loans | -0.0025% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.8822% | 731 |
| Assets per employee ($millions) | 8.1196% | 1,377 |
| Cash dividends to net income (ytd only)* | 23.3907% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 575 |
| 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 | 37.6500% | 4,106 |
| Net loans and leases to deposits | 44.3179% | 4,097 |
| Net loans and leases to core deposits | 47.5177% | 4,137 |
| Total domestic deposits to total assets | 84.9500% | 2,330 |
| Equity capital to assets | 6.7818% | 4,023 |
| Core capital (leverage) ratio | 10.0527% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6743% | 822 |
| Memoranda: | ||
| Average total assets | $302,717,400 | 2,417 |
| Average earning assets | $286,738,000 | 2,371 |
| Average equity | $19,029,400 | 2,938 |
| Average total loans | $121,115,200 | 2,943 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 2,176 |
| Cost of funding earning assets | 2.1505% | 543 |
| Net interest margin | 2.6933% | 3,890 |
| Noninterest income to average assets | 6.8200% | 107 |
| Noninterest expense to average assets | 7.7671% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5954% | 946 |
| Return on assets (ROA) | 1.4848% | 1,136 |
| Pretax return on assets | 1.4848% | 1,588 |
| Return on Equity (ROE) | 24.1600% | 424 |
| Retained earnings to average equity (ytd only) | 20.4009% | 245 |
| Net charge-offs to loans | -0.0033% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.9594% | 670 |
| Assets per employee ($millions) | 7.8931% | 1,400 |
| Cash dividends to net income (ytd only)* | 15.5461% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 518 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 36.7400% | 4,160 |
| Net loans and leases to deposits | 43.1884% | 4,128 |
| Net loans and leases to core deposits | 45.9486% | 4,130 |
| Total domestic deposits to total assets | 85.0700% | 2,478 |
| Equity capital to assets | 5.4608% | 4,149 |
| Core capital (leverage) ratio | 10.5884% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1284% | 936 |
| Memoranda: | ||
| Average total assets | $295,170,500 | 2,447 |
| Average earning assets | $279,054,250 | 2,420 |
| Average equity | $18,142,500 | 2,993 |
| Average total loans | $119,499,000 | 2,965 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 2,199 |
| Cost of funding earning assets | 1.8630% | 657 |
| Net interest margin | 2.8403% | 3,752 |
| Noninterest income to average assets | 6.5600% | 102 |
| Noninterest expense to average assets | 7.5292% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7250% | 749 |
| Return on assets (ROA) | 1.5534% | 1,009 |
| Pretax return on assets | 1.5534% | 1,493 |
| Return on Equity (ROE) | 24.2500% | 411 |
| Retained earnings to average equity (ytd only) | 21.9462% | 186 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.3602% | 757 |
| Assets per employee ($millions) | 7.1869% | 1,795 |
| Cash dividends to net income (ytd only)* | 9.5088% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 560 |
| Loan loss allowance to noncurrent loans | 640.5714% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 2,707 |
| Noncurrent loans to loans | 0.2862% | 2,119 |
| Net loans and leases to total assets | 40.7400% | 4,016 |
| Net loans and leases to deposits | 49.0329% | 3,953 |
| Net loans and leases to core deposits | 52.1330% | 3,950 |
| Total domestic deposits to total assets | 83.0800% | 3,031 |
| Equity capital to assets | 6.7155% | 3,910 |
| Core capital (leverage) ratio | 10.8586% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0050% | 720 |
| Memoranda: | ||
| Average total assets | $285,688,667 | 2,497 |
| Average earning assets | $270,535,000 | 2,472 |
| Average equity | $18,299,333 | 3,001 |
| Average total loans | $118,952,667 | 2,964 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 2,381 |
| Cost of funding earning assets | 1.4561% | 927 |
| Net interest margin | 3.0174% | 3,554 |
| Noninterest income to average assets | 4.8400% | 129 |
| Noninterest expense to average assets | 6.4011% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2987% | 1,675 |
| Return on assets (ROA) | 1.1878% | 1,926 |
| Pretax return on assets | 1.1878% | 2,455 |
| Return on Equity (ROE) | 19.0300% | 883 |
| Retained earnings to average equity (ytd only) | 19.0259% | 434 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.1332% | 637 |
| Assets per employee ($millions) | 7.1462% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 533 |
| Loan loss allowance to noncurrent loans | 1,088.3495% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,075 |
| Noncurrent loans to loans | 0.1745% | 2,604 |
| Net loans and leases to total assets | 40.5200% | 4,020 |
| Net loans and leases to deposits | 46.3328% | 4,028 |
| Net loans and leases to core deposits | 48.8290% | 4,027 |
| Total domestic deposits to total assets | 87.4600% | 2,108 |
| Equity capital to assets | 6.5755% | 4,006 |
| Core capital (leverage) ratio | 10.8743% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1890% | 639 |
| Memoranda: | ||
| Average total assets | $281,202,000 | 2,553 |
| Average earning assets | $266,185,500 | 2,525 |
| Average equity | $17,555,000 | 3,081 |
| Average total loans | $117,292,000 | 3,009 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3381% | 3,501 |
| Cost of funding earning assets | 0.4809% | 1,522 |
| Net interest margin | 2.8572% | 3,777 |
| Noninterest income to average assets | 7.7800% | 112 |
| Noninterest expense to average assets | 8.7947% | 120 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6775% | 564 |
| Return on assets (ROA) | 1.6879% | 524 |
| Pretax return on assets | 1.6879% | 949 |
| Return on Equity (ROE) | 23.9500% | 246 |
| Retained earnings to average equity (ytd only) | 16.0578% | 224 |
| Net charge-offs to loans | 0.0107% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 402.1667% | 384 |
| Efficiency ratio | 83.9817% | 498 |
| Assets per employee ($millions) | 6.9139% | 2,031 |
| Cash dividends to net income (ytd only)* | 32.9489% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9244% | 498 |
| Loan loss allowance to noncurrent loans | 44,840.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,932 |
| Noncurrent loans to loans | 0.0043% | 3,849 |
| Net loans and leases to total assets | 41.3200% | 4,016 |
| Net loans and leases to deposits | 44.2507% | 4,106 |
| Net loans and leases to core deposits | 45.6287% | 4,132 |
| Total domestic deposits to total assets | 93.3700% | 332 |
| Equity capital to assets | 5.8990% | 4,132 |
| Core capital (leverage) ratio | 10.2886% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8299% | 740 |
| Memoranda: | ||
| Average total assets | $287,697,600 | 2,510 |
| Average earning assets | $270,724,000 | 2,487 |
| Average equity | $20,276,800 | 2,932 |
| Average total loans | $111,938,400 | 3,006 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0228% | 3,846 |
| Cost of funding earning assets | 0.2984% | 2,186 |
| Net interest margin | 2.7244% | 3,878 |
| Noninterest income to average assets | 7.7800% | 114 |
| Noninterest expense to average assets | 8.8232% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5188% | 812 |
| Return on assets (ROA) | 1.5326% | 755 |
| Pretax return on assets | 1.5326% | 1,315 |
| Return on Equity (ROE) | 20.9300% | 367 |
| Retained earnings to average equity (ytd only) | 13.7233% | 505 |
| Net charge-offs to loans | 0.0144% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 275.7500% | 505 |
| Efficiency ratio | 85.3142% | 487 |
| Assets per employee ($millions) | 7.2872% | 1,763 |
| Cash dividends to net income (ytd only)* | 34.4414% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 453 |
| Loan loss allowance to noncurrent loans | 44,840.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,015 |
| Noncurrent loans to loans | 0.0046% | 3,926 |
| Net loans and leases to total assets | 36.6100% | 4,200 |
| Net loans and leases to deposits | 38.8221% | 4,278 |
| Net loans and leases to core deposits | 40.0269% | 4,275 |
| Total domestic deposits to total assets | 94.3100% | 316 |
| Equity capital to assets | 4.7261% | 4,347 |
| Core capital (leverage) ratio | 10.2925% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5401% | 783 |
| Memoranda: | ||
| Average total assets | $290,483,250 | 2,514 |
| Average earning assets | $273,027,250 | 2,493 |
| Average equity | $21,267,500 | 2,871 |
| Average total loans | $110,797,250 | 3,031 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8358% | 3,927 |
| Cost of funding earning assets | 0.2797% | 1,912 |
| Net interest margin | 2.5561% | 3,991 |
| Noninterest income to average assets | 7.6561% | 74 |
| Noninterest expense to average assets | 8.5115% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5757% | 580 |
| Return on assets (ROA) | 1.5757% | 569 |
| Pretax return on assets | 1.5757% | 998 |
| Return on Equity (ROE) | 19.2386% | 365 |
| Retained earnings to average equity (ytd only) | 13.7683% | 387 |
| Net charge-offs to loans | 0.0215% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 190.5000% | 555 |
| Efficiency ratio | 84.3788% | 662 |
| Assets per employee ($millions) | 7.2303% | 1,785 |
| Cash dividends to net income (ytd only)* | 28.4339% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 533 |
| Loan loss allowance to noncurrent loans | 44,840.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,060 |
| Noncurrent loans to loans | 0.0045% | 3,963 |
| Net loans and leases to total assets | 37.6753% | 4,182 |
| Net loans and leases to deposits | 40.4578% | 4,252 |
| Net loans and leases to core deposits | 41.7219% | 4,271 |
| Total domestic deposits to total assets | 93.1223% | 486 |
| Equity capital to assets | 6.1619% | 4,148 |
| Core capital (leverage) ratio | 10.0597% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6980% | 754 |
| Memoranda: | ||
| Average total assets | $290,148,667 | 2,533 |
| Average earning assets | $275,969,333 | 2,504 |
| Average equity | $23,764,667 | 2,759 |
| Average total loans | $111,408,333 | 3,049 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7473% | 3,846 |
| Cost of funding earning assets | 0.2733% | 1,895 |
| Net interest margin | 2.4740% | 3,947 |
| Noninterest income to average assets | 6.7745% | 79 |
| Noninterest expense to average assets | 8.0367% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0928% | 1,546 |
| Return on assets (ROA) | 1.0928% | 1,543 |
| Pretax return on assets | 1.0928% | 2,165 |
| Return on Equity (ROE) | 11.8789% | 1,354 |
| Retained earnings to average equity (ytd only) | 11.8789% | 623 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0295% | 636 |
| Assets per employee ($millions) | 7.1038% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 706 |
| Loan loss allowance to noncurrent loans | 45,080.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,104 |
| Noncurrent loans to loans | 0.0043% | 4,009 |
| Net loans and leases to total assets | 40.3965% | 3,987 |
| Net loans and leases to deposits | 44.2963% | 4,049 |
| Net loans and leases to core deposits | 45.7343% | 4,086 |
| Total domestic deposits to total assets | 91.1963% | 935 |
| Equity capital to assets | 8.1678% | 3,433 |
| Core capital (leverage) ratio | 9.8842% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1157% | 742 |
| Memoranda: | ||
| Average total assets | $290,617,500 | 2,544 |
| Average earning assets | $276,638,500 | 2,514 |
| Average equity | $26,736,500 | 2,665 |
| Average total loans | $111,511,000 | 3,042 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8012% | 4,208 |
| Cost of funding earning assets | 0.2909% | 2,499 |
| Net interest margin | 2.5103% | 4,175 |
| Noninterest income to average assets | 9.8244% | 64 |
| Noninterest expense to average assets | 10.0207% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1860% | 251 |
| Return on assets (ROA) | 2.1716% | 269 |
| Pretax return on assets | 2.1716% | 438 |
| Return on Equity (ROE) | 20.0644% | 307 |
| Retained earnings to average equity (ytd only) | 9.1506% | 1,154 |
| Net charge-offs to loans | -0.0055% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0920% | 665 |
| Assets per employee ($millions) | 7.0734% | 1,881 |
| Cash dividends to net income (ytd only)* | 54.3940% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1268% | 498 |
| Loan loss allowance to noncurrent loans | 45,080.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,184 |
| Noncurrent loans to loans | 0.0047% | 4,083 |
| Net loans and leases to total assets | 34.9149% | 4,333 |
| Net loans and leases to deposits | 39.1672% | 4,362 |
| Net loans and leases to core deposits | 40.4087% | 4,381 |
| Total domestic deposits to total assets | 89.1434% | 1,440 |
| Equity capital to assets | 10.1871% | 2,482 |
| Core capital (leverage) ratio | 9.6495% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7140% | 788 |
| Memoranda: | ||
| Average total assets | $270,908,200 | 2,596 |
| Average earning assets | $257,103,400 | 2,573 |
| Average equity | $29,320,600 | 2,579 |
| Average total loans | $108,728,200 | 3,094 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8329% | 4,255 |
| Cost of funding earning assets | 0.2954% | 2,638 |
| Net interest margin | 2.5375% | 4,216 |
| Noninterest income to average assets | 9.4488% | 69 |
| Noninterest expense to average assets | 9.7368% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1167% | 380 |
| Return on assets (ROA) | 2.0971% | 420 |
| Pretax return on assets | 2.0971% | 678 |
| Return on Equity (ROE) | 19.0611% | 509 |
| Retained earnings to average equity (ytd only) | 7.6006% | 2,179 |
| Net charge-offs to loans | -0.0012% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1427% | 626 |
| Assets per employee ($millions) | 6.7966% | 2,017 |
| Cash dividends to net income (ytd only)* | 60.1251% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 553 |
| Loan loss allowance to noncurrent loans | 44,980.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,277 |
| Noncurrent loans to loans | 0.0046% | 4,180 |
| Net loans and leases to total assets | 37.0309% | 4,338 |
| Net loans and leases to deposits | 41.7684% | 4,386 |
| Net loans and leases to core deposits | 43.1540% | 4,410 |
| Total domestic deposits to total assets | 88.6578% | 1,483 |
| Equity capital to assets | 10.3666% | 2,558 |
| Core capital (leverage) ratio | 9.8689% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4918% | 750 |
| Memoranda: | ||
| Average total assets | $264,364,750 | 2,666 |
| Average earning assets | $250,526,250 | 2,640 |
| Average equity | $29,084,750 | 2,621 |
| Average total loans | $109,415,250 | 3,124 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9573% | 4,121 |
| Cost of funding earning assets | 0.3018% | 2,762 |
| Net interest margin | 2.6555% | 4,069 |
| Noninterest income to average assets | 9.0520% | 73 |
| Noninterest expense to average assets | 9.1088% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4598% | 232 |
| Return on assets (ROA) | 2.4598% | 247 |
| Pretax return on assets | 2.4598% | 377 |
| Return on Equity (ROE) | 21.8912% | 326 |
| Retained earnings to average equity (ytd only) | 8.4037% | 1,934 |
| Net charge-offs to loans | -0.0018% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7370% | 866 |
| Assets per employee ($millions) | 6.1183% | 2,506 |
| Cash dividends to net income (ytd only)* | 61.6114% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 562 |
| Loan loss allowance to noncurrent loans | 44,980.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,322 |
| Noncurrent loans to loans | 0.0045% | 4,235 |
| Net loans and leases to total assets | 41.9679% | 4,180 |
| Net loans and leases to deposits | 47.8454% | 4,228 |
| Net loans and leases to core deposits | 49.6895% | 4,244 |
| Total domestic deposits to total assets | 87.7157% | 1,976 |
| Equity capital to assets | 11.4216% | 1,682 |
| Core capital (leverage) ratio | 10.2556% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8360% | 831 |
| Memoranda: | ||
| Average total assets | $257,334,333 | 2,699 |
| Average earning assets | $243,872,667 | 2,668 |
| Average equity | $28,915,667 | 2,627 |
| Average total loans | $109,901,667 | 3,130 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0143% | 4,048 |
| Cost of funding earning assets | 0.3147% | 2,845 |
| Net interest margin | 2.6996% | 3,970 |
| Noninterest income to average assets | 7.9591% | 86 |
| Noninterest expense to average assets | 7.9902% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5272% | 254 |
| Return on assets (ROA) | 2.5272% | 276 |
| Pretax return on assets | 2.5272% | 419 |
| Return on Equity (ROE) | 22.6771% | 355 |
| Retained earnings to average equity (ytd only) | 22.6771% | 187 |
| Net charge-offs to loans | -0.0036% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9711% | 1,144 |
| Assets per employee ($millions) | 6.2076% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0286% | 562 |
| Loan loss allowance to noncurrent loans | 44,960.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,397 |
| Noncurrent loans to loans | 0.0045% | 4,310 |
| Net loans and leases to total assets | 41.6419% | 4,258 |
| Net loans and leases to deposits | 47.1770% | 4,299 |
| Net loans and leases to core deposits | 49.0012% | 4,339 |
| Total domestic deposits to total assets | 88.2674% | 1,711 |
| Equity capital to assets | 11.0012% | 1,863 |
| Core capital (leverage) ratio | 10.7489% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4401% | 631 |
| Memoranda: | ||
| Average total assets | $257,516,500 | 2,688 |
| Average earning assets | $244,035,000 | 2,654 |
| Average equity | $28,698,500 | 2,634 |
| Average total loans | $109,805,500 | 3,132 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 3,970 |
| Cost of funding earning assets | 0.5178% | 2,826 |
| Net interest margin | 3.0103% | 3,859 |
| Noninterest income to average assets | 11.4837% | 64 |
| Noninterest expense to average assets | 11.1719% | 66 |
| Loan and lease loss provision to assets | 0.1962% | 1,992 |
| Net operating income to assets | 2.9414% | 97 |
| Return on assets (ROA) | 3.1952% | 84 |
| Pretax return on assets | 3.1952% | 108 |
| Return on Equity (ROE) | 27.6570% | 81 |
| Retained earnings to average equity (ytd only) | 11.6190% | 366 |
| Net charge-offs to loans | -0.0027% | 4,023 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0733% | 1,023 |
| Assets per employee ($millions) | 6.0551% | 2,295 |
| Cash dividends to net income (ytd only)* | 57.9888% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0663% | 518 |
| Loan loss allowance to noncurrent loans | 44,960.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,473 |
| Noncurrent loans to loans | 0.0046% | 4,382 |
| Net loans and leases to total assets | 41.8957% | 4,362 |
| Net loans and leases to deposits | 47.6107% | 4,405 |
| Net loans and leases to core deposits | 49.5029% | 4,437 |
| Total domestic deposits to total assets | 87.9964% | 1,473 |
| Equity capital to assets | 11.2911% | 2,025 |
| Core capital (leverage) ratio | 10.0252% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1627% | 880 |
| Memoranda: | ||
| Average total assets | $229,378,200 | 2,723 |
| Average earning assets | $215,330,400 | 2,705 |
| Average equity | $26,499,600 | 2,711 |
| Average total loans | $112,689,400 | 3,058 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 3,763 |
| Cost of funding earning assets | 0.5327% | 3,032 |
| Net interest margin | 3.1841% | 3,534 |
| Noninterest income to average assets | 10.9099% | 65 |
| Noninterest expense to average assets | 10.7599% | 68 |
| Loan and lease loss provision to assets | 0.2689% | 1,516 |
| Net operating income to assets | 2.8633% | 104 |
| Return on assets (ROA) | 3.2110% | 79 |
| Pretax return on assets | 3.2110% | 108 |
| Return on Equity (ROE) | 27.6159% | 83 |
| Retained earnings to average equity (ytd only) | 19.9077% | 80 |
| Net charge-offs to loans | -0.0023% | 3,903 |
| Credit loss provision to net charge-offs | -22,500.0000% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4538% | 1,091 |
| Assets per employee ($millions) | 5.9240% | 2,330 |
| Cash dividends to net income (ytd only)* | 27.9122% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9632% | 531 |
| Loan loss allowance to noncurrent loans | 20,427.2727% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,505 |
| Noncurrent loans to loans | 0.0096% | 4,409 |
| Net loans and leases to total assets | 45.0993% | 4,363 |
| Net loans and leases to deposits | 51.7109% | 4,422 |
| Net loans and leases to core deposits | 53.6399% | 4,464 |
| Total domestic deposits to total assets | 87.2143% | 1,571 |
| Equity capital to assets | 11.7005% | 1,877 |
| Core capital (leverage) ratio | 11.1596% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8253% | 599 |
| Memoranda: | ||
| Average total assets | $223,144,000 | 2,752 |
| Average earning assets | $208,992,500 | 2,736 |
| Average equity | $25,945,750 | 2,737 |
| Average total loans | $113,663,000 | 3,059 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 3,105 |
| Cost of funding earning assets | 0.5984% | 2,973 |
| Net interest margin | 3.4804% | 2,856 |
| Noninterest income to average assets | 9.0629% | 68 |
| Noninterest expense to average assets | 9.5270% | 80 |
| Loan and lease loss provision to assets | 0.4194% | 940 |
| Net operating income to assets | 2.3692% | 167 |
| Return on assets (ROA) | 2.6432% | 121 |
| Pretax return on assets | 2.6432% | 169 |
| Return on Equity (ROE) | 22.7880% | 144 |
| Retained earnings to average equity (ytd only) | 14.7527% | 233 |
| Net charge-offs to loans | -0.0018% | 3,802 |
| Credit loss provision to net charge-offs | -45,000.0000% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3573% | 1,120 |
| Assets per employee ($millions) | 5.4991% | 2,638 |
| Cash dividends to net income (ytd only)* | 35.2609% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 465 |
| Loan loss allowance to noncurrent loans | 20,418.1818% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,573 |
| Noncurrent loans to loans | 0.0096% | 4,477 |
| Net loans and leases to total assets | 48.5331% | 4,231 |
| Net loans and leases to deposits | 55.4112% | 4,319 |
| Net loans and leases to core deposits | 57.5482% | 4,373 |
| Total domestic deposits to total assets | 87.5871% | 1,381 |
| Equity capital to assets | 11.5218% | 1,956 |
| Core capital (leverage) ratio | 11.0872% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2742% | 871 |
| Memoranda: | ||
| Average total assets | $214,589,000 | 2,795 |
| Average earning assets | $200,551,333 | 2,775 |
| Average equity | $24,890,333 | 2,786 |
| Average total loans | $113,398,000 | 3,051 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 3,508 |
| Cost of funding earning assets | 0.7667% | 2,565 |
| Net interest margin | 3.3410% | 3,481 |
| Noninterest income to average assets | 8.0406% | 69 |
| Noninterest expense to average assets | 9.2228% | 85 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9341% | 305 |
| Return on assets (ROA) | 2.5038% | 115 |
| Pretax return on assets | 2.5038% | 162 |
| Return on Equity (ROE) | 21.5065% | 123 |
| Retained earnings to average equity (ytd only) | 21.5065% | 49 |
| Net charge-offs to loans | -0.0035% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6646% | 922 |
| Assets per employee ($millions) | 4.9066% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 1,020 |
| Loan loss allowance to noncurrent loans | 16,327.2727% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,615 |
| Noncurrent loans to loans | 0.0099% | 4,540 |
| Net loans and leases to total assets | 52.8996% | 4,065 |
| Net loans and leases to deposits | 60.5176% | 4,181 |
| Net loans and leases to core deposits | 63.1456% | 4,221 |
| Total domestic deposits to total assets | 87.4120% | 1,374 |
| Equity capital to assets | 11.6917% | 2,293 |
| Core capital (leverage) ratio | 11.4399% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7883% | 1,013 |
| Memoranda: | ||
| Average total assets | $206,402,500 | 2,822 |
| Average earning assets | $192,518,000 | 2,807 |
| Average equity | $24,030,000 | 2,846 |
| Average total loans | $112,927,500 | 3,047 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,714 |
| Cost of funding earning assets | 0.6611% | 3,352 |
| Net interest margin | 3.5773% | 3,207 |
| Noninterest income to average assets | 9.3762% | 60 |
| Noninterest expense to average assets | 10.3360% | 68 |
| Loan and lease loss provision to assets | 0.0619% | 2,799 |
| Net operating income to assets | 2.3103% | 183 |
| Return on assets (ROA) | 2.5291% | 136 |
| Pretax return on assets | 2.5291% | 200 |
| Return on Equity (ROE) | 21.9823% | 138 |
| Retained earnings to average equity (ytd only) | 10.1500% | 463 |
| Net charge-offs to loans | 0.0528% | 2,354 |
| Credit loss provision to net charge-offs | 219.2982% | 1,207 |
| Earnings coverage of net charge-offs (x) | 84.0702% | 765 |
| Efficiency ratio | 81.3337% | 843 |
| Assets per employee ($millions) | 4.9221% | 2,684 |
| Cash dividends to net income (ytd only)* | 53.8266% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 1,064 |
| Loan loss allowance to noncurrent loans | 2,189.0244% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,438 |
| Noncurrent loans to loans | 0.0713% | 4,249 |
| Net loans and leases to total assets | 54.7821% | 4,023 |
| Net loans and leases to deposits | 62.5711% | 4,165 |
| Net loans and leases to core deposits | 65.1787% | 4,221 |
| Total domestic deposits to total assets | 87.5518% | 1,344 |
| Equity capital to assets | 11.5930% | 2,435 |
| Core capital (leverage) ratio | 10.4087% | 3,063 |
| Tier 1 risk-based capital ratio | 15.1384% | 2,724 |
| Total risk-based capital ratio | 16.3712% | 2,659 |
| Memoranda: | ||
| Average total assets | $202,012,400 | 2,825 |
| Average earning assets | $188,159,200 | 2,817 |
| Average equity | $23,241,400 | 2,847 |
| Average total loans | $107,860,800 | 3,120 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,987 |
| Cost of funding earning assets | 0.6319% | 3,525 |
| Net interest margin | 3.5403% | 3,437 |
| Noninterest income to average assets | 9.2964% | 64 |
| Noninterest expense to average assets | 10.1388% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4530% | 175 |
| Return on assets (ROA) | 2.6814% | 130 |
| Pretax return on assets | 2.6814% | 175 |
| Return on Equity (ROE) | 23.3527% | 127 |
| Retained earnings to average equity (ytd only) | 19.0164% | 59 |
| Net charge-offs to loans | 0.0729% | 1,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 63.7080% | 1,024 |
| Efficiency ratio | 80.5188% | 873 |
| Assets per employee ($millions) | 5.1919% | 2,347 |
| Cash dividends to net income (ytd only)* | 18.5690% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 1,403 |
| Loan loss allowance to noncurrent loans | 2,350.7042% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,564 |
| Noncurrent loans to loans | 0.0616% | 4,360 |
| Net loans and leases to total assets | 52.1084% | 4,313 |
| Net loans and leases to deposits | 59.7028% | 4,395 |
| Net loans and leases to core deposits | 62.0594% | 4,455 |
| Total domestic deposits to total assets | 87.2796% | 1,386 |
| Equity capital to assets | 11.6762% | 2,533 |
| Core capital (leverage) ratio | 11.7406% | 2,048 |
| Tier 1 risk-based capital ratio | 16.2263% | 2,360 |
| Total risk-based capital ratio | 17.4052% | 2,310 |
| Memoranda: | ||
| Average total assets | $200,833,500 | 2,852 |
| Average earning assets | $186,949,000 | 2,847 |
| Average equity | $23,060,250 | 2,886 |
| Average total loans | $106,064,750 | 3,180 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 3,823 |
| Cost of funding earning assets | 0.6336% | 3,491 |
| Net interest margin | 3.6052% | 3,238 |
| Noninterest income to average assets | 8.7426% | 61 |
| Noninterest expense to average assets | 9.9543% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1426% | 300 |
| Return on assets (ROA) | 2.3394% | 203 |
| Pretax return on assets | 2.3394% | 324 |
| Return on Equity (ROE) | 20.5031% | 224 |
| Retained earnings to average equity (ytd only) | 18.2570% | 79 |
| Net charge-offs to loans | 0.1126% | 1,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 36.0345% | 1,310 |
| Efficiency ratio | 82.2881% | 784 |
| Assets per employee ($millions) | 4.5873% | 3,015 |
| Cash dividends to net income (ytd only)* | 10.9553% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 1,043 |
| Loan loss allowance to noncurrent loans | 15,172.7273% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,784 |
| Noncurrent loans to loans | 0.0105% | 4,672 |
| Net loans and leases to total assets | 53.4949% | 4,246 |
| Net loans and leases to deposits | 61.8937% | 4,336 |
| Net loans and leases to core deposits | 62.4582% | 4,486 |
| Total domestic deposits to total assets | 86.4303% | 1,843 |
| Equity capital to assets | 12.4569% | 1,885 |
| Core capital (leverage) ratio | 11.3187% | 2,320 |
| Tier 1 risk-based capital ratio | 16.3063% | 2,301 |
| Total risk-based capital ratio | 17.5566% | 2,250 |
| Memoranda: | ||
| Average total assets | $195,091,670 | 2,911 |
| Average earning assets | $181,516,670 | 2,903 |
| Average equity | $22,260,000 | 2,949 |
| Average total loans | $102,987,670 | 3,239 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 3,839 |
| Cost of funding earning assets | 0.6229% | 3,445 |
| Net interest margin | 3.5841% | 3,308 |
| Noninterest income to average assets | 7.4048% | 68 |
| Noninterest expense to average assets | 8.7945% | 77 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9521% | 418 |
| Return on assets (ROA) | 2.0519% | 369 |
| Pretax return on assets | 2.0519% | 584 |
| Return on Equity (ROE) | 18.8312% | 337 |
| Retained earnings to average equity (ytd only) | 18.8312% | 124 |
| Net charge-offs to loans | 0.2311% | 619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 16.2373% | 1,705 |
| Efficiency ratio | 81.8354% | 890 |
| Assets per employee ($millions) | 5.0042% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 1,070 |
| Loan loss allowance to noncurrent loans | 15,163.6364% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,853 |
| Noncurrent loans to loans | 0.0105% | 4,740 |
| Net loans and leases to total assets | 52.7077% | 4,292 |
| Net loans and leases to deposits | 60.2640% | 4,395 |
| Net loans and leases to core deposits | 61.0595% | 4,529 |
| Total domestic deposits to total assets | 87.4614% | 1,585 |
| Equity capital to assets | 11.4652% | 2,428 |
| Core capital (leverage) ratio | 10.5838% | 2,961 |
| Tier 1 risk-based capital ratio | 15.9481% | 2,459 |
| Total risk-based capital ratio | 17.1984% | 2,398 |
| Memoranda: | ||
| Average total assets | $196,305,000 | 2,938 |
| Average earning assets | $183,028,500 | 2,921 |
| Average equity | $21,390,000 | 3,034 |
| Average total loans | $102,114,000 | 3,289 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 4,332 |
| Cost of funding earning assets | 0.4027% | 3,972 |
| Net interest margin | 3.4703% | 3,799 |
| Noninterest income to average assets | 9.2440% | 58 |
| Noninterest expense to average assets | 10.3026% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.1667% | 265 |
| Return on assets (ROA) | 2.1567% | 264 |
| Pretax return on assets | 2.1567% | 390 |
| Return on Equity (ROE) | 21.2849% | 184 |
| Retained earnings to average equity (ytd only) | 12.7127% | 260 |
| Net charge-offs to loans | -0.0020% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6234% | 733 |
| Assets per employee ($millions) | 5.0627% | 2,417 |
| Cash dividends to net income (ytd only)* | 40.2734% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 783 |
| Loan loss allowance to noncurrent loans | 14,391.6667% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,887 |
| Noncurrent loans to loans | 0.0120% | 4,747 |
| Net loans and leases to total assets | 49.6169% | 4,549 |
| Net loans and leases to deposits | 55.9320% | 4,669 |
| Net loans and leases to core deposits | 56.6471% | 4,757 |
| Total domestic deposits to total assets | 88.7093% | 976 |
| Equity capital to assets | 10.3340% | 3,344 |
| Core capital (leverage) ratio | 9.4782% | 4,137 |
| Tier 1 risk-based capital ratio | 15.6297% | 2,565 |
| Total risk-based capital ratio | 16.8812% | 2,484 |
| Memoranda: | ||
| Average total assets | $189,962,000 | 2,962 |
| Average earning assets | $176,555,800 | 2,962 |
| Average equity | $19,248,400 | 3,159 |
| Average total loans | $99,158,200 | 3,310 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 4,506 |
| Cost of funding earning assets | 0.3466% | 4,201 |
| Net interest margin | 3.4237% | 3,933 |
| Noninterest income to average assets | 8.9600% | 62 |
| Noninterest expense to average assets | 10.0417% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0975% | 313 |
| Return on assets (ROA) | 2.0840% | 317 |
| Pretax return on assets | 2.0840% | 504 |
| Return on Equity (ROE) | 20.6751% | 232 |
| Retained earnings to average equity (ytd only) | 15.0492% | 174 |
| Net charge-offs to loans | -0.0027% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7212% | 728 |
| Assets per employee ($millions) | 5.4069% | 2,012 |
| Cash dividends to net income (ytd only)* | 27.2109% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 808 |
| Loan loss allowance to noncurrent loans | 14,391.6667% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,997 |
| Noncurrent loans to loans | 0.0121% | 4,863 |
| Net loans and leases to total assets | 46.1843% | 4,797 |
| Net loans and leases to deposits | 51.5259% | 4,898 |
| Net loans and leases to core deposits | 52.1324% | 4,967 |
| Total domestic deposits to total assets | 89.6333% | 623 |
| Equity capital to assets | 9.2949% | 4,282 |
| Core capital (leverage) ratio | 9.9812% | 3,656 |
| Tier 1 risk-based capital ratio | 16.0852% | 2,412 |
| Total risk-based capital ratio | 17.3373% | 2,357 |
| Memoranda: | ||
| Average total assets | $188,091,250 | 3,002 |
| Average earning assets | $174,662,250 | 3,002 |
| Average equity | $18,959,500 | 3,206 |
| Average total loans | $99,024,500 | 3,339 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 4,355 |
| Cost of funding earning assets | 0.3252% | 4,237 |
| Net interest margin | 3.4700% | 3,732 |
| Noninterest income to average assets | 8.8444% | 62 |
| Noninterest expense to average assets | 10.0100% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0499% | 339 |
| Return on assets (ROA) | 2.0333% | 353 |
| Pretax return on assets | 2.0333% | 564 |
| Return on Equity (ROE) | 19.5775% | 292 |
| Retained earnings to average equity (ytd only) | 14.2430% | 257 |
| Net charge-offs to loans | -0.0020% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0026% | 762 |
| Assets per employee ($millions) | 4.7760% | 2,712 |
| Cash dividends to net income (ytd only)* | 27.2480% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 833 |
| Loan loss allowance to noncurrent loans | 14,383.3333% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,014 |
| Noncurrent loans to loans | 0.0121% | 4,893 |
| Net loans and leases to total assets | 52.1971% | 4,465 |
| Net loans and leases to deposits | 58.9335% | 4,593 |
| Net loans and leases to core deposits | 59.7253% | 4,718 |
| Total domestic deposits to total assets | 88.5695% | 1,112 |
| Equity capital to assets | 10.2880% | 3,350 |
| Core capital (leverage) ratio | 9.9773% | 3,602 |
| Tier 1 risk-based capital ratio | 15.7954% | 2,515 |
| Total risk-based capital ratio | 17.0477% | 2,456 |
| Memoranda: | ||
| Average total assets | $180,499,000 | 3,089 |
| Average earning assets | $167,260,330 | 3,098 |
| Average equity | $18,746,000 | 3,249 |
| Average total loans | $98,994,330 | 3,352 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,418 |
| Cost of funding earning assets | 0.3062% | 4,306 |
| Net interest margin | 3.4169% | 3,830 |
| Noninterest income to average assets | 7.4813% | 68 |
| Noninterest expense to average assets | 9.2244% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4233% | 1,276 |
| Return on assets (ROA) | 1.4188% | 1,299 |
| Pretax return on assets | 1.4188% | 1,944 |
| Return on Equity (ROE) | 13.5941% | 1,110 |
| Retained earnings to average equity (ytd only) | 13.5941% | 447 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6328% | 601 |
| Assets per employee ($millions) | 4.4984% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 861 |
| Loan loss allowance to noncurrent loans | 14,375.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,096 |
| Noncurrent loans to loans | 0.0122% | 4,953 |
| Net loans and leases to total assets | 55.1357% | 4,194 |
| Net loans and leases to deposits | 62.4816% | 4,306 |
| Net loans and leases to core deposits | 63.5051% | 4,453 |
| Total domestic deposits to total assets | 88.2431% | 1,483 |
| Equity capital to assets | 10.5542% | 3,019 |
| Core capital (leverage) ratio | 10.2764% | 3,212 |
| Tier 1 risk-based capital ratio | 15.1560% | 2,802 |
| Total risk-based capital ratio | 16.4084% | 2,736 |
| Memoranda: | ||
| Average total assets | $177,616,000 | 3,156 |
| Average earning assets | $164,595,000 | 3,151 |
| Average equity | $18,537,500 | 3,303 |
| Average total loans | $99,016,000 | 3,379 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 4,289 |
| Cost of funding earning assets | 0.2941% | 4,198 |
| Net interest margin | 3.4267% | 3,766 |
| Noninterest income to average assets | 9.9555% | 58 |
| Noninterest expense to average assets | 10.9980% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1125% | 225 |
| Return on assets (ROA) | 2.1319% | 227 |
| Pretax return on assets | 2.1319% | 370 |
| Return on Equity (ROE) | 19.6532% | 206 |
| Retained earnings to average equity (ytd only) | 0.7863% | 4,726 |
| Net charge-offs to loans | -0.0020% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8872% | 778 |
| Assets per employee ($millions) | 4.2808% | 3,522 |
| Cash dividends to net income (ytd only)* | 95.9989% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 885 |
| Loan loss allowance to noncurrent loans | 7,840.9091% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,104 |
| Noncurrent loans to loans | 0.0221% | 4,915 |
| Net loans and leases to total assets | 54.4251% | 4,322 |
| Net loans and leases to deposits | 61.5807% | 4,481 |
| Net loans and leases to core deposits | 62.6624% | 4,618 |
| Total domestic deposits to total assets | 88.3800% | 1,309 |
| Equity capital to assets | 10.3224% | 3,365 |
| Core capital (leverage) ratio | 9.2227% | 4,372 |
| Tier 1 risk-based capital ratio | 14.7787% | 2,943 |
| Total risk-based capital ratio | 16.0317% | 2,880 |
| Memoranda: | ||
| Average total assets | $174,677,600 | 3,184 |
| Average earning assets | $160,824,200 | 3,188 |
| Average equity | $18,948,600 | 3,249 |
| Average total loans | $97,592,200 | 3,388 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 4,385 |
| Cost of funding earning assets | 0.2852% | 4,267 |
| Net interest margin | 3.3877% | 3,893 |
| Noninterest income to average assets | 9.7745% | 62 |
| Noninterest expense to average assets | 10.8157% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0730% | 276 |
| Return on assets (ROA) | 2.1030% | 267 |
| Pretax return on assets | 2.1030% | 444 |
| Return on Equity (ROE) | 19.1462% | 271 |
| Retained earnings to average equity (ytd only) | 13.0208% | 220 |
| Net charge-offs to loans | -0.0014% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9160% | 758 |
| Assets per employee ($millions) | 4.2967% | 3,474 |
| Cash dividends to net income (ytd only)* | 31.9927% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 953 |
| Loan loss allowance to noncurrent loans | 8,209.5238% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,205 |
| Noncurrent loans to loans | 0.0212% | 5,031 |
| Net loans and leases to total assets | 51.3684% | 4,622 |
| Net loans and leases to deposits | 58.7941% | 4,695 |
| Net loans and leases to core deposits | 59.7829% | 4,827 |
| Total domestic deposits to total assets | 87.3699% | 1,686 |
| Equity capital to assets | 10.7735% | 3,093 |
| Core capital (leverage) ratio | 10.8359% | 2,609 |
| Tier 1 risk-based capital ratio | 16.6000% | 2,286 |
| Total risk-based capital ratio | 17.8527% | 2,238 |
| Memoranda: | ||
| Average total assets | $173,398,500 | 3,226 |
| Average earning assets | $159,396,250 | 3,233 |
| Average equity | $19,046,000 | 3,269 |
| Average total loans | $97,095,750 | 3,425 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,053 |
| Cost of funding earning assets | 0.2866% | 4,221 |
| Net interest margin | 3.4693% | 3,509 |
| Noninterest income to average assets | 9.1426% | 66 |
| Noninterest expense to average assets | 10.5280% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7957% | 454 |
| Return on assets (ROA) | 1.8171% | 453 |
| Pretax return on assets | 1.8171% | 806 |
| Return on Equity (ROE) | 16.4254% | 469 |
| Retained earnings to average equity (ytd only) | 9.9756% | 589 |
| Net charge-offs to loans | -0.0021% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4289% | 734 |
| Assets per employee ($millions) | 4.1873% | 3,649 |
| Cash dividends to net income (ytd only)* | 39.2670% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 959 |
| Loan loss allowance to noncurrent loans | 5,387.5000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,211 |
| Noncurrent loans to loans | 0.0327% | 5,027 |
| Net loans and leases to total assets | 55.9777% | 4,230 |
| Net loans and leases to deposits | 64.4852% | 4,342 |
| Net loans and leases to core deposits | 65.9781% | 4,469 |
| Total domestic deposits to total assets | 86.8069% | 2,039 |
| Equity capital to assets | 11.3361% | 2,463 |
| Core capital (leverage) ratio | 10.9210% | 2,482 |
| Tier 1 risk-based capital ratio | 15.5332% | 2,692 |
| Total risk-based capital ratio | 16.7859% | 2,629 |
| Memoranda: | ||
| Average total assets | $168,179,330 | 3,306 |
| Average earning assets | $154,208,670 | 3,316 |
| Average equity | $18,605,330 | 3,318 |
| Average total loans | $96,514,670 | 3,446 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 4,587 |
| Cost of funding earning assets | 0.2850% | 4,196 |
| Net interest margin | 3.2504% | 4,176 |
| Noninterest income to average assets | 7.7631% | 79 |
| Noninterest expense to average assets | 9.7724% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9782% | 2,403 |
| Return on assets (ROA) | 0.9782% | 2,455 |
| Pretax return on assets | 0.9782% | 3,467 |
| Return on Equity (ROE) | 8.9564% | 2,444 |
| Retained earnings to average equity (ytd only) | 7.8561% | 1,520 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9010% | 513 |
| Assets per employee ($millions) | 4.0096% | 3,990 |
| Cash dividends to net income (ytd only)* | 12.2850% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 875 |
| Loan loss allowance to noncurrent loans | 5,384.3750% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 5,261 |
| Noncurrent loans to loans | 0.0343% | 5,064 |
| Net loans and leases to total assets | 55.7058% | 4,200 |
| Net loans and leases to deposits | 64.1022% | 4,301 |
| Net loans and leases to core deposits | 65.4126% | 4,467 |
| Total domestic deposits to total assets | 86.9016% | 2,266 |
| Equity capital to assets | 11.2316% | 2,407 |
| Core capital (leverage) ratio | 10.5586% | 2,835 |
| Tier 1 risk-based capital ratio | 15.3128% | 2,829 |
| Total risk-based capital ratio | 16.5651% | 2,759 |
| Memoranda: | ||
| Average total assets | $166,428,500 | 3,353 |
| Average earning assets | $152,965,500 | 3,365 |
| Average equity | $18,177,000 | 3,389 |
| Average total loans | $95,858,500 | 3,485 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 4,788 |
| Cost of funding earning assets | 0.2921% | 4,152 |
| Net interest margin | 3.2063% | 4,439 |
| Noninterest income to average assets | 10.2968% | 62 |
| Noninterest expense to average assets | 11.1305% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.1174% | 258 |
| Return on assets (ROA) | 2.1233% | 261 |
| Pretax return on assets | 2.1233% | 378 |
| Return on Equity (ROE) | 19.5461% | 229 |
| Retained earnings to average equity (ytd only) | 4.5568% | 2,661 |
| Net charge-offs to loans | -0.0011% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0172% | 1,008 |
| Assets per employee ($millions) | 4.2116% | 3,605 |
| Cash dividends to net income (ytd only)* | 76.6871% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 1,040 |
| Loan loss allowance to noncurrent loans | 2,533.8235% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 5,193 |
| Noncurrent loans to loans | 0.0691% | 4,963 |
| Net loans and leases to total assets | 57.3978% | 4,127 |
| Net loans and leases to deposits | 65.5535% | 4,285 |
| Net loans and leases to core deposits | 66.7081% | 4,482 |
| Total domestic deposits to total assets | 87.5587% | 1,845 |
| Equity capital to assets | 10.6195% | 3,017 |
| Core capital (leverage) ratio | 9.9386% | 3,574 |
| Tier 1 risk-based capital ratio | 14.7305% | 3,085 |
| Total risk-based capital ratio | 15.9833% | 3,027 |
| Memoranda: | ||
| Average total assets | $168,886,800 | 3,298 |
| Average earning assets | $155,443,400 | 3,308 |
| Average equity | $18,346,400 | 3,363 |
| Average total loans | $93,180,000 | 3,515 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,879 |
| Cost of funding earning assets | 0.2907% | 4,203 |
| Net interest margin | 3.1852% | 4,520 |
| Noninterest income to average assets | 9.9134% | 63 |
| Noninterest expense to average assets | 10.6747% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1697% | 260 |
| Return on assets (ROA) | 2.1397% | 286 |
| Pretax return on assets | 2.1397% | 432 |
| Return on Equity (ROE) | 19.5873% | 263 |
| Retained earnings to average equity (ytd only) | 11.2814% | 391 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1081% | 1,063 |
| Assets per employee ($millions) | 3.7477% | 4,392 |
| Cash dividends to net income (ytd only)* | 42.4043% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 958 |
| Loan loss allowance to noncurrent loans | 2,918.6441% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,354 |
| Noncurrent loans to loans | 0.0627% | 5,103 |
| Net loans and leases to total assets | 52.4182% | 4,625 |
| Net loans and leases to deposits | 60.3601% | 4,732 |
| Net loans and leases to core deposits | 62.5523% | 4,802 |
| Total domestic deposits to total assets | 86.8425% | 1,971 |
| Equity capital to assets | 11.2125% | 2,786 |
| Core capital (leverage) ratio | 10.9483% | 2,505 |
| Tier 1 risk-based capital ratio | 16.5451% | 2,395 |
| Total risk-based capital ratio | 17.7991% | 2,350 |
| Memoranda: | ||
| Average total assets | $168,992,750 | 3,312 |
| Average earning assets | $155,509,000 | 3,318 |
| Average equity | $18,460,500 | 3,376 |
| Average total loans | $91,870,750 | 3,554 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 4,874 |
| Cost of funding earning assets | 0.2954% | 4,190 |
| Net interest margin | 3.2010% | 4,537 |
| Noninterest income to average assets | 8.7678% | 70 |
| Noninterest expense to average assets | 9.9850% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7358% | 541 |
| Return on assets (ROA) | 1.6926% | 623 |
| Pretax return on assets | 1.6926% | 1,111 |
| Return on Equity (ROE) | 15.6400% | 587 |
| Retained earnings to average equity (ytd only) | 6.2116% | 2,008 |
| Net charge-offs to loans | 0.0022% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,446.0000% | 28 |
| Efficiency ratio | 85.1905% | 955 |
| Assets per employee ($millions) | 3.7309% | 4,391 |
| Cash dividends to net income (ytd only)* | 60.2837% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 1,018 |
| Loan loss allowance to noncurrent loans | 1,483.6207% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 5,264 |
| Noncurrent loans to loans | 0.1237% | 4,949 |
| Net loans and leases to total assets | 56.0874% | 4,301 |
| Net loans and leases to deposits | 64.8991% | 4,430 |
| Net loans and leases to core deposits | 67.4399% | 4,516 |
| Total domestic deposits to total assets | 86.4224% | 2,206 |
| Equity capital to assets | 11.5692% | 2,476 |
| Core capital (leverage) ratio | 10.2291% | 3,296 |
| Tier 1 risk-based capital ratio | 15.8219% | 2,729 |
| Total risk-based capital ratio | 17.0762% | 2,667 |
| Memoranda: | ||
| Average total assets | $166,609,330 | 3,359 |
| Average earning assets | $153,702,330 | 3,354 |
| Average equity | $18,030,670 | 3,437 |
| Average total loans | $91,143,330 | 3,585 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3312% | 5,260 |
| Cost of funding earning assets | 0.2808% | 4,379 |
| Net interest margin | 3.0504% | 4,995 |
| Noninterest income to average assets | 6.5088% | 93 |
| Noninterest expense to average assets | 8.5299% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8008% | 3,247 |
| Return on assets (ROA) | 0.8008% | 3,362 |
| Pretax return on assets | 0.8008% | 4,193 |
| Return on Equity (ROE) | 7.6581% | 3,108 |
| Retained earnings to average equity (ytd only) | 0.8205% | 4,896 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4176% | 585 |
| Assets per employee ($millions) | 3.7854% | 4,329 |
| Cash dividends to net income (ytd only)* | 89.2857% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 1,011 |
| Loan loss allowance to noncurrent loans | 294.3590% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 4,160 |
| Noncurrent loans to loans | 0.6354% | 3,266 |
| Net loans and leases to total assets | 54.2426% | 4,432 |
| Net loans and leases to deposits | 62.0483% | 4,571 |
| Net loans and leases to core deposits | 64.4082% | 4,663 |
| Total domestic deposits to total assets | 87.4201% | 1,977 |
| Equity capital to assets | 10.6317% | 3,332 |
| Core capital (leverage) ratio | 9.9126% | 3,648 |
| Tier 1 risk-based capital ratio | 15.4895% | 2,924 |
| Total risk-based capital ratio | 16.7438% | 2,854 |
| Memoranda: | ||
| Average total assets | $167,834,000 | 3,361 |
| Average earning assets | $155,257,500 | 3,351 |
| Average equity | $17,550,000 | 3,506 |
| Average total loans | $89,818,000 | 3,624 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 4,808 |
| Cost of funding earning assets | 0.2753% | 4,533 |
| Net interest margin | 3.2746% | 4,394 |
| Noninterest income to average assets | 10.2861% | 64 |
| Noninterest expense to average assets | 11.0983% | 66 |
| Loan and lease loss provision to assets | 0.0625% | 3,049 |
| Net operating income to assets | 2.1354% | 275 |
| Return on assets (ROA) | 2.1411% | 277 |
| Pretax return on assets | 2.1411% | 392 |
| Return on Equity (ROE) | 20.4485% | 224 |
| Retained earnings to average equity (ytd only) | 8.6042% | 754 |
| Net charge-offs to loans | 0.0170% | 3,943 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 234.5333% | 299 |
| Efficiency ratio | 83.4696% | 1,228 |
| Assets per employee ($millions) | 3.8434% | 4,216 |
| Cash dividends to net income (ytd only)* | 57.9224% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 848 |
| Loan loss allowance to noncurrent loans | 507.9646% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 4,785 |
| Noncurrent loans to loans | 0.3871% | 4,063 |
| Net loans and leases to total assets | 50.7637% | 4,802 |
| Net loans and leases to deposits | 57.3764% | 4,956 |
| Net loans and leases to core deposits | 59.4946% | 5,013 |
| Total domestic deposits to total assets | 88.4749% | 1,396 |
| Equity capital to assets | 10.2845% | 3,640 |
| Core capital (leverage) ratio | 9.5886% | 4,056 |
| Tier 1 risk-based capital ratio | 16.1175% | 2,639 |
| Total risk-based capital ratio | 17.3736% | 2,583 |
| Memoranda: | ||
| Average total assets | $160,061,000 | 3,434 |
| Average earning assets | $147,133,600 | 3,444 |
| Average equity | $16,759,200 | 3,565 |
| Average total loans | $88,094,600 | 3,628 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 4,722 |
| Cost of funding earning assets | 0.2789% | 4,575 |
| Net interest margin | 3.3274% | 4,228 |
| Noninterest income to average assets | 10.5651% | 64 |
| Noninterest expense to average assets | 11.1912% | 71 |
| Loan and lease loss provision to assets | 0.0845% | 2,477 |
| Net operating income to assets | 2.3438% | 204 |
| Return on assets (ROA) | 2.3515% | 210 |
| Pretax return on assets | 2.3515% | 315 |
| Return on Equity (ROE) | 22.3515% | 184 |
| Retained earnings to average equity (ytd only) | 12.4327% | 323 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1701% | 1,373 |
| Assets per employee ($millions) | 4.0050% | 3,867 |
| Cash dividends to net income (ytd only)* | 44.3767% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 902 |
| Loan loss allowance to noncurrent loans | 463.2000% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 4,909 |
| Noncurrent loans to loans | 0.4343% | 4,048 |
| Net loans and leases to total assets | 48.0099% | 5,078 |
| Net loans and leases to deposits | 54.2053% | 5,242 |
| Net loans and leases to core deposits | 56.3172% | 5,292 |
| Total domestic deposits to total assets | 88.5704% | 1,261 |
| Equity capital to assets | 9.9649% | 4,194 |
| Core capital (leverage) ratio | 10.3833% | 3,176 |
| Tier 1 risk-based capital ratio | 16.7039% | 2,475 |
| Total risk-based capital ratio | 17.9595% | 2,431 |
| Memoranda: | ||
| Average total assets | $157,799,000 | 3,494 |
| Average earning assets | $144,853,000 | 3,505 |
| Average equity | $16,601,000 | 3,610 |
| Average total loans | $88,226,250 | 3,658 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7280% | 4,323 |
| Cost of funding earning assets | 0.2870% | 4,535 |
| Net interest margin | 3.4410% | 3,753 |
| Noninterest income to average assets | 10.2612% | 70 |
| Noninterest expense to average assets | 10.9390% | 75 |
| Loan and lease loss provision to assets | 0.1319% | 1,662 |
| Net operating income to assets | 2.3368% | 211 |
| Return on assets (ROA) | 2.3474% | 221 |
| Pretax return on assets | 2.3474% | 314 |
| Return on Equity (ROE) | 21.8655% | 199 |
| Retained earnings to average equity (ytd only) | 9.7658% | 710 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5875% | 1,542 |
| Assets per employee ($millions) | 3.6405% | 4,555 |
| Cash dividends to net income (ytd only)* | 55.3371% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 1,275 |
| Loan loss allowance to noncurrent loans | 459.5238% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 4,911 |
| Noncurrent loans to loans | 0.4021% | 4,274 |
| Net loans and leases to total assets | 58.9453% | 3,985 |
| Net loans and leases to deposits | 67.2632% | 4,202 |
| Net loans and leases to core deposits | 70.1216% | 4,313 |
| Total domestic deposits to total assets | 87.6338% | 1,826 |
| Equity capital to assets | 10.5986% | 3,323 |
| Core capital (leverage) ratio | 10.0428% | 3,537 |
| Tier 1 risk-based capital ratio | 15.2103% | 3,243 |
| Total risk-based capital ratio | 16.4655% | 3,176 |
| Memoranda: | ||
| Average total assets | $151,659,330 | 3,608 |
| Average earning assets | $138,680,670 | 3,620 |
| Average equity | $16,281,330 | 3,676 |
| Average total loans | $88,855,330 | 3,667 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6532% | 4,526 |
| Cost of funding earning assets | 0.2914% | 4,537 |
| Net interest margin | 3.3617% | 3,982 |
| Noninterest income to average assets | 8.6289% | 85 |
| Noninterest expense to average assets | 9.6422% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0480% | 313 |
| Return on assets (ROA) | 2.0212% | 343 |
| Pretax return on assets | 2.0212% | 564 |
| Return on Equity (ROE) | 18.7021% | 336 |
| Retained earnings to average equity (ytd only) | 5.4321% | 2,815 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4811% | 1,564 |
| Assets per employee ($millions) | 3.3169% | 5,212 |
| Cash dividends to net income (ytd only)* | 70.9549% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8037% | 1,494 |
| Loan loss allowance to noncurrent loans | 322.2441% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 4,574 |
| Noncurrent loans to loans | 0.5597% | 3,908 |
| Net loans and leases to total assets | 58.4112% | 3,884 |
| Net loans and leases to deposits | 66.1388% | 4,141 |
| Net loans and leases to core deposits | 68.5201% | 4,284 |
| Total domestic deposits to total assets | 88.3161% | 1,650 |
| Equity capital to assets | 10.6923% | 3,325 |
| Core capital (leverage) ratio | 10.2108% | 3,326 |
| Tier 1 risk-based capital ratio | 15.1918% | 3,323 |
| Total risk-based capital ratio | 16.4462% | 3,241 |
| Memoranda: | ||
| Average total assets | $149,219,000 | 3,668 |
| Average earning assets | $135,882,000 | 3,688 |
| Average equity | $16,126,500 | 3,727 |
| Average total loans | $86,278,000 | 3,747 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,474 |
| Cost of funding earning assets | 0.3193% | 4,588 |
| Net interest margin | 3.4856% | 3,851 |
| Noninterest income to average assets | 10.2117% | 65 |
| Noninterest expense to average assets | 11.2983% | 62 |
| Loan and lease loss provision to assets | 0.0710% | 3,069 |
| Net operating income to assets | 2.0037% | 325 |
| Return on assets (ROA) | 1.9711% | 357 |
| Pretax return on assets | 1.9711% | 540 |
| Return on Equity (ROE) | 18.7590% | 337 |
| Retained earnings to average equity (ytd only) | 11.8350% | 310 |
| Net charge-offs to loans | -0.2646% | 6,313 |
| Credit loss provision to net charge-offs | -46.2963% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4860% | 1,345 |
| Assets per employee ($millions) | 3.1709% | 5,467 |
| Cash dividends to net income (ytd only)* | 36.9103% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 1,114 |
| Loan loss allowance to noncurrent loans | 320.3523% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 4,465 |
| Noncurrent loans to loans | 0.6247% | 3,815 |
| Net loans and leases to total assets | 54.9564% | 4,457 |
| Net loans and leases to deposits | 62.4732% | 4,683 |
| Net loans and leases to core deposits | 64.6874% | 4,779 |
| Total domestic deposits to total assets | 87.9680% | 1,790 |
| Equity capital to assets | 10.9275% | 2,975 |
| Core capital (leverage) ratio | 10.2924% | 3,183 |
| Tier 1 risk-based capital ratio | 15.8036% | 3,060 |
| Total risk-based capital ratio | 17.0458% | 3,007 |
| Memoranda: | ||
| Average total assets | $140,888,000 | 3,785 |
| Average earning assets | $127,784,400 | 3,812 |
| Average equity | $14,803,600 | 3,877 |
| Average total loans | $81,639,800 | 3,830 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 4,607 |
| Cost of funding earning assets | 0.3210% | 4,661 |
| Net interest margin | 3.4616% | 3,973 |
| Noninterest income to average assets | 9.5793% | 69 |
| Noninterest expense to average assets | 10.9456% | 64 |
| Loan and lease loss provision to assets | 0.0955% | 2,458 |
| Net operating income to assets | 1.6785% | 640 |
| Return on assets (ROA) | 1.6422% | 707 |
| Pretax return on assets | 1.6422% | 1,203 |
| Return on Equity (ROE) | 15.7942% | 698 |
| Retained earnings to average equity (ytd only) | 10.9733% | 515 |
| Net charge-offs to loans | -0.1961% | 6,305 |
| Credit loss provision to net charge-offs | -83.3333% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0531% | 1,179 |
| Assets per employee ($millions) | 3.0841% | 5,625 |
| Cash dividends to net income (ytd only)* | 30.5231% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8029% | 1,684 |
| Loan loss allowance to noncurrent loans | 224.3086% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 4,279 |
| Noncurrent loans to loans | 0.8038% | 3,567 |
| Net loans and leases to total assets | 57.9026% | 4,084 |
| Net loans and leases to deposits | 65.8877% | 4,339 |
| Net loans and leases to core deposits | 68.9904% | 4,416 |
| Total domestic deposits to total assets | 87.8808% | 1,823 |
| Equity capital to assets | 10.5580% | 3,491 |
| Core capital (leverage) ratio | 10.2117% | 3,397 |
| Tier 1 risk-based capital ratio | 14.8343% | 3,688 |
| Total risk-based capital ratio | 16.0888% | 3,620 |
| Memoranda: | ||
| Average total assets | $139,644,750 | 3,831 |
| Average earning assets | $126,680,250 | 3,863 |
| Average equity | $14,519,750 | 3,951 |
| Average total loans | $81,600,500 | 3,855 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 4,687 |
| Cost of funding earning assets | 0.3216% | 4,738 |
| Net interest margin | 3.4297% | 4,062 |
| Noninterest income to average assets | 8.6933% | 73 |
| Noninterest expense to average assets | 10.3151% | 73 |
| Loan and lease loss provision to assets | 0.1451% | 1,703 |
| Net operating income to assets | 1.3577% | 1,167 |
| Return on assets (ROA) | 1.3113% | 1,327 |
| Pretax return on assets | 1.3113% | 2,214 |
| Return on Equity (ROE) | 12.6803% | 1,264 |
| Retained earnings to average equity (ytd only) | 7.4202% | 1,559 |
| Net charge-offs to loans | -0.0299% | 5,686 |
| Credit loss provision to net charge-offs | -833.3333% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2837% | 1,154 |
| Assets per employee ($millions) | 2.9365% | 5,849 |
| Cash dividends to net income (ytd only)* | 41.4823% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 1,992 |
| Loan loss allowance to noncurrent loans | 139.9414% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 3,612 |
| Noncurrent loans to loans | 1.2463% | 2,736 |
| Net loans and leases to total assets | 57.2769% | 4,082 |
| Net loans and leases to deposits | 64.8489% | 4,396 |
| Net loans and leases to core deposits | 67.9754% | 4,473 |
| Total domestic deposits to total assets | 88.3237% | 1,726 |
| Equity capital to assets | 10.4199% | 3,538 |
| Core capital (leverage) ratio | 9.9000% | 3,744 |
| Tier 1 risk-based capital ratio | 14.3844% | 4,001 |
| Total risk-based capital ratio | 15.6377% | 3,937 |
| Memoranda: | ||
| Average total assets | $137,875,670 | 3,888 |
| Average earning assets | $125,608,330 | 3,896 |
| Average equity | $14,258,330 | 3,994 |
| Average total loans | $80,310,000 | 3,900 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 4,777 |
| Cost of funding earning assets | 0.3244% | 4,800 |
| Net interest margin | 3.3952% | 4,136 |
| Noninterest income to average assets | 6.7245% | 88 |
| Noninterest expense to average assets | 8.9249% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9007% | 2,646 |
| Return on assets (ROA) | 0.9007% | 2,714 |
| Pretax return on assets | 0.9007% | 3,693 |
| Return on Equity (ROE) | 8.7439% | 2,576 |
| Retained earnings to average equity (ytd only) | 7.3199% | 1,899 |
| Net charge-offs to loans | -0.0302% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8331% | 965 |
| Assets per employee ($millions) | 2.8389% | 6,057 |
| Cash dividends to net income (ytd only)* | 16.2866% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 2,433 |
| Loan loss allowance to noncurrent loans | 120.9663% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 3,564 |
| Noncurrent loans to loans | 1.3826% | 2,715 |
| Net loans and leases to total assets | 57.2516% | 3,962 |
| Net loans and leases to deposits | 64.7390% | 4,237 |
| Net loans and leases to core deposits | 67.9632% | 4,315 |
| Total domestic deposits to total assets | 88.4345% | 1,971 |
| Equity capital to assets | 10.4281% | 3,323 |
| Core capital (leverage) ratio | 9.7727% | 3,900 |
| Tier 1 risk-based capital ratio | 14.2195% | 4,181 |
| Total risk-based capital ratio | 15.4713% | 4,127 |
| Memoranda: | ||
| Average total assets | $136,337,500 | 3,947 |
| Average earning assets | $124,527,500 | 3,952 |
| Average equity | $14,044,000 | 4,041 |
| Average total loans | $79,382,000 | 3,957 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 4,833 |
| Cost of funding earning assets | 0.3359% | 5,277 |
| Net interest margin | 3.4600% | 4,058 |
| Noninterest income to average assets | 10.2385% | 64 |
| Noninterest expense to average assets | 11.3963% | 66 |
| Loan and lease loss provision to assets | 0.0736% | 3,643 |
| Net operating income to assets | 1.8852% | 410 |
| Return on assets (ROA) | 1.8196% | 473 |
| Pretax return on assets | 1.8196% | 720 |
| Return on Equity (ROE) | 18.1229% | 398 |
| Retained earnings to average equity (ytd only) | 7.6025% | 1,194 |
| Net charge-offs to loans | 0.5029% | 1,318 |
| Credit loss provision to net charge-offs | 25.7732% | 4,336 |
| Earnings coverage of net charge-offs (x) | 6.8582% | 2,963 |
| Efficiency ratio | 85.3332% | 1,485 |
| Assets per employee ($millions) | 2.7282% | 6,190 |
| Cash dividends to net income (ytd only)* | 58.0502% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 2,523 |
| Loan loss allowance to noncurrent loans | 120.6393% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 3,728 |
| Noncurrent loans to loans | 1.3787% | 2,832 |
| Net loans and leases to total assets | 57.2554% | 4,155 |
| Net loans and leases to deposits | 64.5815% | 4,452 |
| Net loans and leases to core deposits | 67.6439% | 4,550 |
| Total domestic deposits to total assets | 88.6561% | 1,823 |
| Equity capital to assets | 10.1739% | 3,541 |
| Core capital (leverage) ratio | 9.4554% | 4,327 |
| Tier 1 risk-based capital ratio | 13.8517% | 4,401 |
| Total risk-based capital ratio | 15.1028% | 4,337 |
| Memoranda: | ||
| Average total assets | $135,850,600 | 3,961 |
| Average earning assets | $122,371,000 | 4,005 |
| Average equity | $13,640,200 | 4,135 |
| Average total loans | $77,158,200 | 4,019 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,975 |
| Cost of funding earning assets | 0.3371% | 5,413 |
| Net interest margin | 3.4293% | 4,169 |
| Noninterest income to average assets | 10.0731% | 70 |
| Noninterest expense to average assets | 10.9190% | 70 |
| Loan and lease loss provision to assets | 0.0982% | 3,121 |
| Net operating income to assets | 2.1339% | 289 |
| Return on assets (ROA) | 2.0936% | 317 |
| Pretax return on assets | 2.0936% | 474 |
| Return on Equity (ROE) | 20.9212% | 247 |
| Retained earnings to average equity (ytd only) | 11.5946% | 488 |
| Net charge-offs to loans | 0.6754% | 890 |
| Credit loss provision to net charge-offs | 25.7732% | 3,971 |
| Earnings coverage of net charge-offs (x) | 5.8557% | 3,090 |
| Efficiency ratio | 83.0270% | 1,704 |
| Assets per employee ($millions) | 2.8745% | 6,046 |
| Cash dividends to net income (ytd only)* | 44.5802% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 2,833 |
| Loan loss allowance to noncurrent loans | 106.9636% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 2,911 |
| Noncurrent loans to loans | 1.5352% | 2,866 |
| Net loans and leases to total assets | 57.3465% | 4,113 |
| Net loans and leases to deposits | 64.7599% | 4,435 |
| Net loans and leases to core deposits | 67.7928% | 4,544 |
| Total domestic deposits to total assets | 88.5524% | 1,816 |
| Equity capital to assets | 10.1684% | 3,679 |
| Core capital (leverage) ratio | 10.0646% | 3,576 |
| Tier 1 risk-based capital ratio | 14.0875% | 4,368 |
| Total risk-based capital ratio | 15.3398% | 4,313 |
| Memoranda: | ||
| Average total assets | $135,711,250 | 3,998 |
| Average earning assets | $121,811,000 | 4,054 |
| Average equity | $13,580,750 | 4,196 |
| Average total loans | $76,592,250 | 4,072 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 5,096 |
| Cost of funding earning assets | 0.3434% | 5,462 |
| Net interest margin | 3.3726% | 4,295 |
| Noninterest income to average assets | 9.0518% | 73 |
| Noninterest expense to average assets | 9.9884% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0911% | 308 |
| Return on assets (ROA) | 2.0303% | 361 |
| Pretax return on assets | 2.0303% | 572 |
| Return on Equity (ROE) | 20.4006% | 278 |
| Retained earnings to average equity (ytd only) | 9.2324% | 1,051 |
| Net charge-offs to loans | 0.2496% | 2,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.0106% | 1,779 |
| Efficiency ratio | 82.6892% | 1,800 |
| Assets per employee ($millions) | 2.6322% | 6,372 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 1,966 |
| Loan loss allowance to noncurrent loans | 113.3134% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.7514% | 2,488 |
| Noncurrent loans to loans | 1.7202% | 2,736 |
| Net loans and leases to total assets | 57.9047% | 4,005 |
| Net loans and leases to deposits | 65.4610% | 4,325 |
| Net loans and leases to core deposits | 68.8465% | 4,415 |
| Total domestic deposits to total assets | 88.4569% | 1,946 |
| Equity capital to assets | 10.2666% | 3,580 |
| Core capital (leverage) ratio | 9.6731% | 3,980 |
| Tier 1 risk-based capital ratio | 13.7095% | 4,637 |
| Total risk-based capital ratio | 14.9642% | 4,597 |
| Memoranda: | ||
| Average total assets | $134,956,000 | 4,044 |
| Average earning assets | $121,152,670 | 4,096 |
| Average equity | $13,431,000 | 4,256 |
| Average total loans | $75,307,670 | 4,123 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5649% | 5,541 |
| Cost of funding earning assets | 0.3392% | 5,644 |
| Net interest margin | 3.2257% | 4,823 |
| Noninterest income to average assets | 6.4350% | 108 |
| Noninterest expense to average assets | 8.1067% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2238% | 1,459 |
| Return on assets (ROA) | 1.1359% | 1,844 |
| Pretax return on assets | 1.1359% | 2,835 |
| Return on Equity (ROE) | 11.5903% | 1,531 |
| Retained earnings to average equity (ytd only) | 7.1095% | 2,105 |
| Net charge-offs to loans | -0.0162% | 5,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8842% | 1,423 |
| Assets per employee ($millions) | 2.7325% | 6,365 |
| Cash dividends to net income (ytd only)* | 38.6598% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2188% | 1,550 |
| Loan loss allowance to noncurrent loans | 125.2525% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.7589% | 2,653 |
| Noncurrent loans to loans | 1.7714% | 2,909 |
| Net loans and leases to total assets | 53.0580% | 4,549 |
| Net loans and leases to deposits | 59.8215% | 4,810 |
| Net loans and leases to core deposits | 62.9863% | 4,848 |
| Total domestic deposits to total assets | 88.6940% | 1,876 |
| Equity capital to assets | 10.0939% | 4,024 |
| Core capital (leverage) ratio | 9.4047% | 4,231 |
| Tier 1 risk-based capital ratio | 14.4407% | 4,216 |
| Total risk-based capital ratio | 15.6983% | 4,179 |
| Memoranda: | ||
| Average total assets | $136,628,500 | 4,049 |
| Average earning assets | $122,638,500 | 4,105 |
| Average equity | $13,390,500 | 4,309 |
| Average total loans | $74,099,500 | 4,199 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 5,838 |
| Cost of funding earning assets | 0.3936% | 5,961 |
| Net interest margin | 3.3989% | 4,885 |
| Noninterest income to average assets | 9.7665% | 74 |
| Noninterest expense to average assets | 10.6763% | 72 |
| Loan and lease loss provision to assets | 0.2315% | 2,821 |
| Net operating income to assets | 1.9641% | 382 |
| Return on assets (ROA) | 2.0173% | 377 |
| Pretax return on assets | 2.0173% | 579 |
| Return on Equity (ROE) | 21.0135% | 260 |
| Retained earnings to average equity (ytd only) | 15.5873% | 136 |
| Net charge-offs to loans | 0.4004% | 2,656 |
| Credit loss provision to net charge-offs | 102.0408% | 2,956 |
| Earnings coverage of net charge-offs (x) | 9.6769% | 2,238 |
| Efficiency ratio | 82.9426% | 1,754 |
| Assets per employee ($millions) | 3.0970% | 5,851 |
| Cash dividends to net income (ytd only)* | 25.8225% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1298% | 1,689 |
| Loan loss allowance to noncurrent loans | 113.6299% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0756% | 3,874 |
| Noncurrent loans to loans | 1.8744% | 2,831 |
| Net loans and leases to total assets | 53.0532% | 4,747 |
| Net loans and leases to deposits | 59.4444% | 5,081 |
| Net loans and leases to core deposits | 62.4405% | 5,111 |
| Total domestic deposits to total assets | 89.2483% | 1,409 |
| Equity capital to assets | 9.5190% | 4,849 |
| Core capital (leverage) ratio | 8.6676% | 5,373 |
| Tier 1 risk-based capital ratio | 14.1128% | 4,301 |
| Total risk-based capital ratio | 15.3704% | 4,256 |
| Memoranda: | ||
| Average total assets | $129,576,200 | 4,149 |
| Average earning assets | $118,390,600 | 4,146 |
| Average equity | $12,439,600 | 4,471 |
| Average total loans | $73,419,600 | 4,227 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 5,967 |
| Cost of funding earning assets | 0.4119% | 6,050 |
| Net interest margin | 3.4105% | 5,000 |
| Noninterest income to average assets | 8.9555% | 80 |
| Noninterest expense to average assets | 9.8480% | 84 |
| Loan and lease loss provision to assets | 0.3146% | 2,097 |
| Net operating income to assets | 1.9193% | 437 |
| Return on assets (ROA) | 1.9885% | 439 |
| Pretax return on assets | 1.9885% | 713 |
| Return on Equity (ROE) | 20.6649% | 297 |
| Retained earnings to average equity (ytd only) | 18.4851% | 108 |
| Net charge-offs to loans | 0.5488% | 1,958 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 7.1000% | 2,663 |
| Efficiency ratio | 81.5104% | 1,863 |
| Assets per employee ($millions) | 2.7563% | 6,420 |
| Cash dividends to net income (ytd only)* | 10.5485% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0844% | 1,946 |
| Loan loss allowance to noncurrent loans | 118.5651% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 4,124 |
| Noncurrent loans to loans | 1.7581% | 3,142 |
| Net loans and leases to total assets | 56.9152% | 4,310 |
| Net loans and leases to deposits | 64.1102% | 4,702 |
| Net loans and leases to core deposits | 67.5361% | 4,772 |
| Total domestic deposits to total assets | 88.7772% | 1,547 |
| Equity capital to assets | 9.8502% | 4,710 |
| Core capital (leverage) ratio | 9.2624% | 4,660 |
| Tier 1 risk-based capital ratio | 13.7692% | 4,711 |
| Total risk-based capital ratio | 15.0268% | 4,659 |
| Memoranda: | ||
| Average total assets | $127,129,250 | 4,248 |
| Average earning assets | $116,540,250 | 4,234 |
| Average equity | $12,233,000 | 4,552 |
| Average total loans | $72,888,000 | 4,298 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 5,984 |
| Cost of funding earning assets | 0.4332% | 6,079 |
| Net interest margin | 3.4378% | 4,934 |
| Noninterest income to average assets | 8.7221% | 80 |
| Noninterest expense to average assets | 9.5467% | 88 |
| Loan and lease loss provision to assets | 0.4784% | 1,324 |
| Net operating income to assets | 1.8612% | 499 |
| Return on assets (ROA) | 1.8660% | 566 |
| Pretax return on assets | 1.8660% | 908 |
| Return on Equity (ROE) | 19.5543% | 384 |
| Retained earnings to average equity (ytd only) | 17.8830% | 147 |
| Net charge-offs to loans | 0.8470% | 1,308 |
| Credit loss provision to net charge-offs | 99.0099% | 2,803 |
| Earnings coverage of net charge-offs (x) | 4.8416% | 2,974 |
| Efficiency ratio | 80.3167% | 2,122 |
| Assets per employee ($millions) | 2.5351% | 6,731 |
| Cash dividends to net income (ytd only)* | 8.5470% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 1,711 |
| Loan loss allowance to noncurrent loans | 125.3918% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 4,283 |
| Noncurrent loans to loans | 1.7769% | 3,251 |
| Net loans and leases to total assets | 54.3055% | 4,745 |
| Net loans and leases to deposits | 61.2245% | 5,096 |
| Net loans and leases to core deposits | 64.4250% | 5,161 |
| Total domestic deposits to total assets | 88.6990% | 1,708 |
| Equity capital to assets | 9.8570% | 4,537 |
| Core capital (leverage) ratio | 8.7947% | 5,222 |
| Tier 1 risk-based capital ratio | 13.3498% | 4,928 |
| Total risk-based capital ratio | 14.6081% | 4,886 |
| Memoranda: | ||
| Average total assets | $125,405,000 | 4,303 |
| Average earning assets | $115,422,670 | 4,285 |
| Average equity | $11,966,670 | 4,610 |
| Average total loans | $71,549,670 | 4,371 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 6,124 |
| Cost of funding earning assets | 0.4580% | 6,094 |
| Net interest margin | 3.3998% | 5,123 |
| Noninterest income to average assets | 7.3868% | 95 |
| Noninterest expense to average assets | 8.5532% | 102 |
| Loan and lease loss provision to assets | 0.6480% | 845 |
| Net operating income to assets | 1.3121% | 1,430 |
| Return on assets (ROA) | 1.3219% | 1,562 |
| Pretax return on assets | 1.3219% | 2,456 |
| Return on Equity (ROE) | 14.0957% | 1,168 |
| Retained earnings to average equity (ytd only) | 14.0957% | 555 |
| Net charge-offs to loans | 1.9827% | 476 |
| Credit loss provision to net charge-offs | 56.4972% | 3,177 |
| Earnings coverage of net charge-offs (x) | 1.7090% | 3,479 |
| Efficiency ratio | 81.3559% | 2,030 |
| Assets per employee ($millions) | 2.5620% | 6,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 2,418 |
| Loan loss allowance to noncurrent loans | 90.2242% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 3,869 |
| Noncurrent loans to loans | 2.1962% | 2,921 |
| Net loans and leases to total assets | 57.0951% | 4,201 |
| Net loans and leases to deposits | 64.0399% | 4,631 |
| Net loans and leases to core deposits | 67.7147% | 4,714 |
| Total domestic deposits to total assets | 89.1555% | 1,595 |
| Equity capital to assets | 9.3900% | 4,977 |
| Core capital (leverage) ratio | 8.6373% | 5,398 |
| Tier 1 risk-based capital ratio | 12.7535% | 5,400 |
| Total risk-based capital ratio | 14.0086% | 5,371 |
| Memoranda: | ||
| Average total assets | $123,463,000 | 4,366 |
| Average earning assets | $113,535,500 | 4,345 |
| Average equity | $11,578,000 | 4,704 |
| Average total loans | $71,419,000 | 4,402 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 6,622 |
| Cost of funding earning assets | 0.6252% | 5,961 |
| Net interest margin | 3.2694% | 5,902 |
| Noninterest income to average assets | 8.5160% | 71 |
| Noninterest expense to average assets | 9.9662% | 75 |
| Loan and lease loss provision to assets | 0.4253% | 2,464 |
| Net operating income to assets | 1.0688% | 1,930 |
| Return on assets (ROA) | 1.1517% | 1,774 |
| Pretax return on assets | 1.1517% | 2,640 |
| Return on Equity (ROE) | 12.3099% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.9349% | 3,404 |
| Net charge-offs to loans | 0.4414% | 3,227 |
| Credit loss provision to net charge-offs | 173.3108% | 1,524 |
| Earnings coverage of net charge-offs (x) | 6.0878% | 2,600 |
| Efficiency ratio | 86.9628% | 1,448 |
| Assets per employee ($millions) | 2.5827% | 6,746 |
| Cash dividends to net income (ytd only)* | 68.0346% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2994% | 1,617 |
| Loan loss allowance to noncurrent loans | 82.1630% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.6756% | 3,442 |
| Noncurrent loans to loans | 2.7986% | 2,345 |
| Net loans and leases to total assets | 56.1093% | 4,679 |
| Net loans and leases to deposits | 62.9919% | 5,122 |
| Net loans and leases to core deposits | 66.5995% | 5,198 |
| Total domestic deposits to total assets | 89.0739% | 1,491 |
| Equity capital to assets | 9.3650% | 5,067 |
| Core capital (leverage) ratio | 8.6342% | 5,339 |
| Tier 1 risk-based capital ratio | 13.0878% | 4,999 |
| Total risk-based capital ratio | 14.3479% | 4,967 |
| Memoranda: | ||
| Average total assets | $120,607,600 | 4,387 |
| Average earning assets | $108,612,000 | 4,430 |
| Average equity | $11,283,600 | 4,721 |
| Average total loans | $67,062,400 | 4,595 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 6,600 |
| Cost of funding earning assets | 0.6600% | 5,983 |
| Net interest margin | 3.3333% | 5,761 |
| Noninterest income to average assets | 8.4972% | 73 |
| Noninterest expense to average assets | 9.6244% | 78 |
| Loan and lease loss provision to assets | 0.2370% | 3,640 |
| Net operating income to assets | 1.6222% | 750 |
| Return on assets (ROA) | 1.6354% | 792 |
| Pretax return on assets | 1.6354% | 1,290 |
| Return on Equity (ROE) | 17.4853% | 510 |
| Retained earnings to average equity (ytd only) | 13.9930% | 292 |
| Net charge-offs to loans | 0.5944% | 2,479 |
| Credit loss provision to net charge-offs | 72.2973% | 4,408 |
| Earnings coverage of net charge-offs (x) | 5.6722% | 2,724 |
| Efficiency ratio | 83.8106% | 1,751 |
| Assets per employee ($millions) | 2.3103% | 7,073 |
| Cash dividends to net income (ytd only)* | 19.9728% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 2,453 |
| Loan loss allowance to noncurrent loans | 65.9919% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7475% | 3,476 |
| Noncurrent loans to loans | 2.9655% | 2,343 |
| Net loans and leases to total assets | 55.4454% | 4,929 |
| Net loans and leases to deposits | 62.9037% | 5,303 |
| Net loans and leases to core deposits | 66.2139% | 5,390 |
| Total domestic deposits to total assets | 88.1433% | 1,961 |
| Equity capital to assets | 10.2772% | 3,990 |
| Core capital (leverage) ratio | 9.6129% | 3,974 |
| Tier 1 risk-based capital ratio | 14.6426% | 3,878 |
| Total risk-based capital ratio | 15.8982% | 3,847 |
| Memoranda: | ||
| Average total assets | $120,412,500 | 4,414 |
| Average earning assets | $107,877,750 | 4,482 |
| Average equity | $11,262,500 | 4,741 |
| Average total loans | $66,399,750 | 4,656 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 6,732 |
| Cost of funding earning assets | 0.6991% | 5,968 |
| Net interest margin | 3.2543% | 5,992 |
| Noninterest income to average assets | 7.6124% | 85 |
| Noninterest expense to average assets | 9.1000% | 89 |
| Loan and lease loss provision to assets | 0.1864% | 4,051 |
| Net operating income to assets | 1.2435% | 1,452 |
| Return on assets (ROA) | 1.2435% | 1,531 |
| Pretax return on assets | 1.2435% | 2,334 |
| Return on Equity (ROE) | 13.7336% | 1,036 |
| Retained earnings to average equity (ytd only) | 10.4551% | 754 |
| Net charge-offs to loans | 0.9047% | 1,720 |
| Credit loss provision to net charge-offs | 37.6667% | 4,858 |
| Earnings coverage of net charge-offs (x) | 2.8900% | 3,398 |
| Efficiency ratio | 86.4213% | 1,553 |
| Assets per employee ($millions) | 2.3921% | 7,030 |
| Cash dividends to net income (ytd only)* | 23.8727% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 2,879 |
| Loan loss allowance to noncurrent loans | 398.3389% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 6,276 |
| Noncurrent loans to loans | 0.4603% | 5,993 |
| Net loans and leases to total assets | 53.6713% | 5,339 |
| Net loans and leases to deposits | 60.3970% | 5,689 |
| Net loans and leases to core deposits | 66.9005% | 5,397 |
| Total domestic deposits to total assets | 88.8641% | 1,624 |
| Equity capital to assets | 9.5457% | 4,739 |
| Core capital (leverage) ratio | 8.6835% | 5,250 |
| Tier 1 risk-based capital ratio | 13.5446% | 4,491 |
| Total risk-based capital ratio | 14.7986% | 4,476 |
| Memoranda: | ||
| Average total assets | $121,275,330 | 4,412 |
| Average earning assets | $108,718,330 | 4,483 |
| Average equity | $10,980,330 | 4,806 |
| Average total loans | $66,322,330 | 4,715 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 6,915 |
| Cost of funding earning assets | 0.7162% | 6,052 |
| Net interest margin | 3.1118% | 6,320 |
| Noninterest income to average assets | 5.8963% | 117 |
| Noninterest expense to average assets | 7.9567% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7436% | 3,307 |
| Return on assets (ROA) | 0.7436% | 3,373 |
| Pretax return on assets | 0.7436% | 4,129 |
| Return on Equity (ROE) | 8.4371% | 2,727 |
| Retained earnings to average equity (ytd only) | 3.0478% | 4,334 |
| Net charge-offs to loans | 1.2278% | 1,132 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.1073% | 3,836 |
| Efficiency ratio | 91.4533% | 1,209 |
| Assets per employee ($millions) | 2.6893% | 6,706 |
| Cash dividends to net income (ytd only)* | 63.8767% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 2,891 |
| Loan loss allowance to noncurrent loans | 284.5783% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 6,150 |
| Noncurrent loans to loans | 0.6463% | 5,738 |
| Net loans and leases to total assets | 50.9543% | 5,717 |
| Net loans and leases to deposits | 56.8082% | 6,052 |
| Net loans and leases to core deposits | 62.6952% | 5,854 |
| Total domestic deposits to total assets | 89.6952% | 1,360 |
| Equity capital to assets | 8.7237% | 5,619 |
| Core capital (leverage) ratio | 8.2638% | 5,878 |
| Tier 1 risk-based capital ratio | 12.9345% | 4,873 |
| Total risk-based capital ratio | 14.1876% | 4,858 |
| Memoranda: | ||
| Average total assets | $122,111,000 | 4,416 |
| Average earning assets | $110,032,000 | 4,470 |
| Average equity | $10,762,000 | 4,856 |
| Average total loans | $66,787,500 | 4,741 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 6,115 |
| Cost of funding earning assets | 1.0016% | 5,677 |
| Net interest margin | 3.5990% | 4,830 |
| Noninterest income to average assets | 8.2033% | 79 |
| Noninterest expense to average assets | 9.5673% | 86 |
| Loan and lease loss provision to assets | 0.5562% | 2,906 |
| Net operating income to assets | 1.2546% | 1,281 |
| Return on assets (ROA) | 1.2592% | 1,343 |
| Pretax return on assets | 1.2592% | 2,050 |
| Return on Equity (ROE) | 12.9696% | 1,094 |
| Retained earnings to average equity (ytd only) | 3.9726% | 3,088 |
| Net charge-offs to loans | 0.5355% | 3,472 |
| Credit loss provision to net charge-offs | 161.3757% | 2,157 |
| Earnings coverage of net charge-offs (x) | 5.2540% | 2,677 |
| Efficiency ratio | 84.0853% | 1,909 |
| Assets per employee ($millions) | 2.6198% | 6,820 |
| Cash dividends to net income (ytd only)* | 69.3700% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 2,311 |
| Loan loss allowance to noncurrent loans | 113.3279% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 4,791 |
| Noncurrent loans to loans | 1.7633% | 3,866 |
| Net loans and leases to total assets | 56.4030% | 5,277 |
| Net loans and leases to deposits | 63.0893% | 5,734 |
| Net loans and leases to core deposits | 69.7739% | 5,463 |
| Total domestic deposits to total assets | 89.4020% | 1,441 |
| Equity capital to assets | 8.9053% | 5,276 |
| Core capital (leverage) ratio | 8.2046% | 5,815 |
| Tier 1 risk-based capital ratio | 12.8733% | 4,707 |
| Total risk-based capital ratio | 14.1307% | 4,672 |
| Memoranda: | ||
| Average total assets | $109,675,600 | 4,722 |
| Average earning assets | $96,748,600 | 4,810 |
| Average equity | $10,648,000 | 4,948 |
| Average total loans | $70,592,600 | 4,663 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 5,865 |
| Cost of funding earning assets | 1.0640% | 5,627 |
| Net interest margin | 3.6828% | 4,499 |
| Noninterest income to average assets | 7.9973% | 85 |
| Noninterest expense to average assets | 9.0980% | 91 |
| Loan and lease loss provision to assets | 0.7603% | 2,015 |
| Net operating income to assets | 1.3661% | 1,180 |
| Return on assets (ROA) | 1.3686% | 1,257 |
| Pretax return on assets | 1.3686% | 1,974 |
| Return on Equity (ROE) | 13.7759% | 1,077 |
| Retained earnings to average equity (ytd only) | 2.2709% | 4,806 |
| Net charge-offs to loans | 0.7108% | 2,645 |
| Credit loss provision to net charge-offs | 161.3757% | 2,341 |
| Earnings coverage of net charge-offs (x) | 4.5132% | 3,021 |
| Efficiency ratio | 81.0550% | 2,198 |
| Assets per employee ($millions) | 2.6769% | 6,809 |
| Cash dividends to net income (ytd only)* | 83.5159% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 2,404 |
| Loan loss allowance to noncurrent loans | 97.1950% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 2.1368% | 3,284 |
| Noncurrent loans to loans | 1.9845% | 3,703 |
| Net loans and leases to total assets | 58.5024% | 5,180 |
| Net loans and leases to deposits | 65.4288% | 5,733 |
| Net loans and leases to core deposits | 72.5312% | 5,453 |
| Total domestic deposits to total assets | 89.4139% | 1,164 |
| Equity capital to assets | 8.8859% | 5,726 |
| Core capital (leverage) ratio | 8.6547% | 5,265 |
| Tier 1 risk-based capital ratio | 11.9309% | 5,527 |
| Total risk-based capital ratio | 13.1866% | 5,493 |
| Memoranda: | ||
| Average total assets | $106,966,250 | 4,863 |
| Average earning assets | $93,731,750 | 4,958 |
| Average equity | $10,627,000 | 5,014 |
| Average total loans | $70,901,000 | 4,719 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 5,439 |
| Cost of funding earning assets | 1.1171% | 5,585 |
| Net interest margin | 3.7721% | 4,036 |
| Noninterest income to average assets | 8.3031% | 81 |
| Noninterest expense to average assets | 9.4214% | 87 |
| Loan and lease loss provision to assets | 0.6539% | 2,203 |
| Net operating income to assets | 1.5166% | 884 |
| Return on assets (ROA) | 1.5205% | 939 |
| Pretax return on assets | 1.5205% | 1,502 |
| Return on Equity (ROE) | 14.6963% | 911 |
| Retained earnings to average equity (ytd only) | 2.3771% | 4,648 |
| Net charge-offs to loans | 0.6376% | 2,636 |
| Credit loss provision to net charge-offs | 148.8889% | 2,651 |
| Earnings coverage of net charge-offs (x) | 4.9422% | 2,801 |
| Efficiency ratio | 81.2763% | 2,263 |
| Assets per employee ($millions) | 2.4704% | 7,141 |
| Cash dividends to net income (ytd only)* | 83.8254% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 2,844 |
| Loan loss allowance to noncurrent loans | 125.1485% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 2.2517% | 3,197 |
| Noncurrent loans to loans | 1.4095% | 4,593 |
| Net loans and leases to total assets | 66.2672% | 3,780 |
| Net loans and leases to deposits | 75.3162% | 4,457 |
| Net loans and leases to core deposits | 84.4075% | 4,087 |
| Total domestic deposits to total assets | 87.9854% | 2,013 |
| Equity capital to assets | 10.0199% | 4,001 |
| Core capital (leverage) ratio | 9.2329% | 4,245 |
| Tier 1 risk-based capital ratio | 11.8634% | 5,430 |
| Total risk-based capital ratio | 13.0866% | 5,425 |
| Memoranda: | ||
| Average total assets | $102,468,330 | 5,005 |
| Average earning assets | $89,339,330 | 5,121 |
| Average equity | $10,601,330 | 5,032 |
| Average total loans | $70,582,000 | 4,775 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 5,172 |
| Cost of funding earning assets | 1.1375% | 5,719 |
| Net interest margin | 3.8283% | 3,672 |
| Noninterest income to average assets | 8.0527% | 83 |
| Noninterest expense to average assets | 9.2258% | 88 |
| Loan and lease loss provision to assets | 0.2386% | 4,135 |
| Net operating income to assets | 1.9207% | 400 |
| Return on assets (ROA) | 1.9207% | 439 |
| Pretax return on assets | 1.9207% | 708 |
| Return on Equity (ROE) | 18.2609% | 495 |
| Retained earnings to average equity (ytd only) | 9.4518% | 1,282 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0339% | 2,405 |
| Assets per employee ($millions) | 2.3179% | 7,440 |
| Cash dividends to net income (ytd only)* | 48.2402% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 3,070 |
| Loan loss allowance to noncurrent loans | 198.0424% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 1.9127% | 3,613 |
| Noncurrent loans to loans | 0.8569% | 5,601 |
| Net loans and leases to total assets | 67.4212% | 3,524 |
| Net loans and leases to deposits | 76.9070% | 4,236 |
| Net loans and leases to core deposits | 86.4588% | 3,828 |
| Total domestic deposits to total assets | 87.6659% | 2,254 |
| Equity capital to assets | 10.2729% | 3,503 |
| Core capital (leverage) ratio | 9.7157% | 3,493 |
| Tier 1 risk-based capital ratio | 12.1048% | 5,083 |
| Total risk-based capital ratio | 13.3657% | 5,037 |
| Memoranda: | ||
| Average total assets | $100,588,000 | 5,130 |
| Average earning assets | $87,559,000 | 5,255 |
| Average equity | $10,580,000 | 5,079 |
| Average total loans | $70,043,500 | 4,861 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2558% | 5,384 |
| Cost of funding earning assets | 1.2400% | 6,507 |
| Net interest margin | 4.0158% | 2,804 |
| Noninterest income to average assets | 7.9188% | 86 |
| Noninterest expense to average assets | 9.8969% | 104 |
| Loan and lease loss provision to assets | 0.5485% | 3,625 |
| Net operating income to assets | 0.9748% | 1,929 |
| Return on assets (ROA) | 1.0054% | 1,869 |
| Pretax return on assets | 1.0054% | 2,573 |
| Return on Equity (ROE) | 9.1830% | 1,968 |
| Retained earnings to average equity (ytd only) | 5.1925% | 1,723 |
| Net charge-offs to loans | 0.0044% | 7,185 |
| Credit loss provision to net charge-offs | 17,366.6667% | 21 |
| Earnings coverage of net charge-offs (x) | 482.3333% | 53 |
| Efficiency ratio | 84.6792% | 2,273 |
| Assets per employee ($millions) | 2.1059% | 7,646 |
| Cash dividends to net income (ytd only)* | 43.4555% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 2,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6207% | 3,938 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 69.5722% | 3,344 |
| Net loans and leases to deposits | 79.9896% | 3,992 |
| Net loans and leases to core deposits | 98.4803% | 4,181 |
| Total domestic deposits to total assets | 86.9766% | 2,525 |
| Equity capital to assets | 10.7823% | 2,887 |
| Core capital (leverage) ratio | 9.6892% | 3,475 |
| Tier 1 risk-based capital ratio | 12.2212% | 4,750 |
| Total risk-based capital ratio | 13.4739% | 4,713 |
| Memoranda: | ||
| Average total assets | $94,989,000 | 5,242 |
| Average earning assets | $82,822,000 | 5,370 |
| Average equity | $10,399,600 | 5,190 |
| Average total loans | $68,441,000 | 4,927 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2620% | 5,624 |
| Cost of funding earning assets | 1.2566% | 6,691 |
| Net interest margin | 4.0055% | 2,793 |
| Noninterest income to average assets | 7.9052% | 95 |
| Noninterest expense to average assets | 9.4046% | 109 |
| Loan and lease loss provision to assets | 0.2835% | 4,708 |
| Net operating income to assets | 1.7153% | 544 |
| Return on assets (ROA) | 1.7562% | 523 |
| Pretax return on assets | 1.7562% | 874 |
| Return on Equity (ROE) | 15.9792% | 658 |
| Retained earnings to average equity (ytd only) | 11.6154% | 390 |
| Net charge-offs to loans | 0.0136% | 6,725 |
| Credit loss provision to net charge-offs | 2,871.4286% | 142 |
| Earnings coverage of net charge-offs (x) | 202.4962% | 190 |
| Efficiency ratio | 79.8120% | 2,876 |
| Assets per employee ($millions) | 2.2421% | 7,567 |
| Cash dividends to net income (ytd only)* | 27.3091% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 5,082 |
| Loan loss allowance to noncurrent loans | 165.6687% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 2.3047% | 2,972 |
| Noncurrent loans to loans | 0.7269% | 5,851 |
| Net loans and leases to total assets | 70.6317% | 3,355 |
| Net loans and leases to deposits | 81.7489% | 4,073 |
| Net loans and leases to core deposits | 99.2234% | 4,457 |
| Total domestic deposits to total assets | 86.4008% | 2,477 |
| Equity capital to assets | 11.2561% | 2,786 |
| Core capital (leverage) ratio | 10.3986% | 2,886 |
| Tier 1 risk-based capital ratio | 12.3279% | 4,681 |
| Total risk-based capital ratio | 13.3742% | 4,807 |
| Memoranda: | ||
| Average total assets | $94,518,250 | 5,288 |
| Average earning assets | $82,551,750 | 5,409 |
| Average equity | $10,388,250 | 5,231 |
| Average total loans | $68,413,750 | 4,974 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3197% | 5,554 |
| Cost of funding earning assets | 1.2853% | 6,856 |
| Net interest margin | 4.0345% | 2,560 |
| Noninterest income to average assets | 7.1404% | 99 |
| Noninterest expense to average assets | 9.0491% | 131 |
| Loan and lease loss provision to assets | 0.3046% | 4,127 |
| Net operating income to assets | 1.2973% | 1,232 |
| Return on assets (ROA) | 1.3591% | 1,172 |
| Pretax return on assets | 1.3591% | 1,833 |
| Return on Equity (ROE) | 12.4686% | 1,294 |
| Retained earnings to average equity (ytd only) | 8.2668% | 1,129 |
| Net charge-offs to loans | 0.0205% | 6,224 |
| Credit loss provision to net charge-offs | 2,042.8571% | 257 |
| Earnings coverage of net charge-offs (x) | 107.4286% | 359 |
| Efficiency ratio | 81.0800% | 2,871 |
| Assets per employee ($millions) | 2.0674% | 7,806 |
| Cash dividends to net income (ytd only)* | 33.6991% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9117% | 3,325 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.8636% | 3,256 |
| Net loans and leases to deposits | 82.9778% | 4,044 |
| Net loans and leases to core deposits | 99.2276% | 4,581 |
| Total domestic deposits to total assets | 86.6058% | 2,449 |
| Equity capital to assets | 10.9052% | 3,014 |
| Core capital (leverage) ratio | 9.8911% | 3,403 |
| Tier 1 risk-based capital ratio | 12.0532% | 4,875 |
| Total risk-based capital ratio | 13.0563% | 5,007 |
| Memoranda: | ||
| Average total assets | $93,887,670 | 5,345 |
| Average earning assets | $81,695,670 | 5,478 |
| Average equity | $10,233,670 | 5,297 |
| Average total loans | $68,243,000 | 5,025 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4647% | 5,091 |
| Cost of funding earning assets | 1.3452% | 6,890 |
| Net interest margin | 4.1195% | 2,214 |
| Noninterest income to average assets | 5.9305% | 113 |
| Noninterest expense to average assets | 7.6243% | 170 |
| Loan and lease loss provision to assets | 0.3859% | 3,012 |
| Net operating income to assets | 1.4923% | 952 |
| Return on assets (ROA) | 1.6038% | 857 |
| Pretax return on assets | 1.6038% | 1,397 |
| Return on Equity (ROE) | 14.7172% | 1,032 |
| Retained earnings to average equity (ytd only) | 14.1269% | 510 |
| Net charge-offs to loans | 0.0413% | 4,911 |
| Credit loss provision to net charge-offs | 1,285.7143% | 490 |
| Earnings coverage of net charge-offs (x) | 62.5714% | 629 |
| Efficiency ratio | 79.2419% | 2,957 |
| Assets per employee ($millions) | 2.1845% | 7,737 |
| Cash dividends to net income (ytd only)* | 4.0107% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 6,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8833% | 3,086 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.3463% | 2,663 |
| Net loans and leases to deposits | 85.9021% | 3,648 |
| Net loans and leases to core deposits | 101.7098% | 4,378 |
| Total domestic deposits to total assets | 86.5477% | 2,426 |
| Equity capital to assets | 10.9824% | 2,979 |
| Core capital (leverage) ratio | 10.0400% | 3,365 |
| Tier 1 risk-based capital ratio | 11.6394% | 5,259 |
| Total risk-based capital ratio | 12.5652% | 5,495 |
| Memoranda: | ||
| Average total assets | $93,281,000 | 5,393 |
| Average earning assets | $80,883,000 | 5,521 |
| Average equity | $10,165,000 | 5,335 |
| Average total loans | $67,807,000 | 5,058 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0664% | 5,223 |
| Cost of funding earning assets | 2.1207% | 5,963 |
| Net interest margin | 3.9457% | 3,383 |
| Noninterest income to average assets | 8.1027% | 86 |
| Noninterest expense to average assets | 9.7490% | 150 |
| Loan and lease loss provision to assets | 0.1988% | 4,904 |
| Net operating income to assets | 1.6122% | 818 |
| Return on assets (ROA) | 1.6122% | 777 |
| Pretax return on assets | 1.6122% | 1,350 |
| Return on Equity (ROE) | 15.3875% | 867 |
| Retained earnings to average equity (ytd only) | 11.1947% | 304 |
| Net charge-offs to loans | 0.1996% | 4,197 |
| Credit loss provision to net charge-offs | 140.3101% | 3,783 |
| Earnings coverage of net charge-offs (x) | 12.7829% | 2,207 |
| Efficiency ratio | 83.5075% | 2,112 |
| Assets per employee ($millions) | 2.3158% | 7,537 |
| Cash dividends to net income (ytd only)* | 27.2480% | 4,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,225 |
| Loan loss allowance to noncurrent loans | 2,544.0000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 1.9195% | 2,557 |
| Noncurrent loans to loans | 0.0384% | 7,351 |
| Net loans and leases to total assets | 69.5498% | 4,127 |
| Net loans and leases to deposits | 80.2072% | 5,008 |
| Net loans and leases to core deposits | 94.2643% | 5,430 |
| Total domestic deposits to total assets | 86.7127% | 2,087 |
| Equity capital to assets | 10.8108% | 3,197 |
| Core capital (leverage) ratio | 9.4444% | 4,099 |
| Tier 1 risk-based capital ratio | 11.5595% | 5,187 |
| Total risk-based capital ratio | 12.4084% | 5,475 |
| Memoranda: | ||
| Average total assets | $91,055,800 | 5,321 |
| Average earning assets | $79,783,400 | 5,437 |
| Average equity | $9,540,200 | 5,561 |
| Average total loans | $64,627,200 | 5,071 |