Home > Oregon Coast Bank > Performance and Condition Ratios
Oregon Coast Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 3,065 |
| Cost of funding earning assets | 1.4758% | 2,004 |
| Net interest margin | 3.0428% | 3,196 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.2454% | 2,993 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0383% | 2,100 |
| Return on assets (ROA) | 1.0383% | 2,078 |
| Pretax return on assets | 1.0383% | 2,566 |
| Return on Equity (ROE) | 19.6400% | 645 |
| Retained earnings to average equity (ytd only) | 12.5841% | 565 |
| Net charge-offs to loans | 0.2309% | 472 |
| Credit loss provision to net charge-offs | 77.0751% | 2,041 |
| Earnings coverage of net charge-offs (x) | 9.5198% | 2,289 |
| Efficiency ratio | 66.5277% | 2,281 |
| Assets per employee ($millions) | 7.3179% | 1,859 |
| Cash dividends to net income (ytd only)* | 35.9160% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 3,323 |
| Loan loss allowance to noncurrent loans | 131.6865% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 632 |
| Noncurrent loans to loans | 0.7576% | 1,030 |
| Net loans and leases to total assets | 52.4100% | 3,461 |
| Net loans and leases to deposits | 66.1472% | 3,166 |
| Net loans and leases to core deposits | 71.9120% | 3,199 |
| Total domestic deposits to total assets | 79.2400% | 3,575 |
| Equity capital to assets | 6.4286% | 4,139 |
| Core capital (leverage) ratio | 9.5998% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $426,381,600 | 1,932 |
| Average earning assets | $402,620,400 | 1,899 |
| Average equity | $22,544,400 | 2,653 |
| Average total loans | $219,146,800 | 2,168 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 3,164 |
| Cost of funding earning assets | 1.3410% | 2,027 |
| Net interest margin | 3.0258% | 3,290 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.2154% | 3,036 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.9335% | 2,571 |
| Return on assets (ROA) | 0.9335% | 2,560 |
| Pretax return on assets | 0.9335% | 3,024 |
| Return on Equity (ROE) | 18.7000% | 855 |
| Retained earnings to average equity (ytd only) | 11.9482% | 979 |
| Net charge-offs to loans | 0.3330% | 269 |
| Credit loss provision to net charge-offs | 66.7904% | 1,822 |
| Earnings coverage of net charge-offs (x) | 6.1651% | 2,311 |
| Efficiency ratio | 67.9092% | 2,028 |
| Assets per employee ($millions) | 7.3973% | 1,696 |
| Cash dividends to net income (ytd only)* | 36.1120% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,346 |
| Loan loss allowance to noncurrent loans | 79.8127% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 866 |
| Noncurrent loans to loans | 1.2565% | 611 |
| Net loans and leases to total assets | 52.0400% | 3,496 |
| Net loans and leases to deposits | 62.2225% | 3,390 |
| Net loans and leases to core deposits | 66.9619% | 3,379 |
| Total domestic deposits to total assets | 83.6400% | 2,870 |
| Equity capital to assets | 4.5005% | 4,337 |
| Core capital (leverage) ratio | 9.3293% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $423,209,250 | 1,942 |
| Average earning assets | $399,885,500 | 1,907 |
| Average equity | $21,124,000 | 2,750 |
| Average total loans | $215,821,250 | 2,188 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 3,311 |
| Cost of funding earning assets | 1.1743% | 2,070 |
| Net interest margin | 3.0179% | 3,384 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.2264% | 2,999 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9647% | 2,529 |
| Return on assets (ROA) | 0.9647% | 2,523 |
| Pretax return on assets | 0.9647% | 3,006 |
| Return on Equity (ROE) | 18.6900% | 875 |
| Retained earnings to average equity (ytd only) | 11.2406% | 1,140 |
| Net charge-offs to loans | 0.0558% | 969 |
| Credit loss provision to net charge-offs | 101.6949% | 1,431 |
| Earnings coverage of net charge-offs (x) | 35.2542% | 1,474 |
| Efficiency ratio | 69.1486% | 1,848 |
| Assets per employee ($millions) | 7.1660% | 1,806 |
| Cash dividends to net income (ytd only)* | 39.8515% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 2,761 |
| Loan loss allowance to noncurrent loans | 58.4452% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 489 |
| Noncurrent loans to loans | 1.9480% | 292 |
| Net loans and leases to total assets | 49.2800% | 3,601 |
| Net loans and leases to deposits | 59.2260% | 3,467 |
| Net loans and leases to core deposits | 63.3417% | 3,485 |
| Total domestic deposits to total assets | 83.2200% | 2,996 |
| Equity capital to assets | 5.1290% | 4,356 |
| Core capital (leverage) ratio | 9.2270% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $418,798,667 | 1,955 |
| Average earning assets | $396,167,000 | 1,921 |
| Average equity | $21,618,000 | 2,731 |
| Average total loans | $211,280,667 | 2,212 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 3,492 |
| Cost of funding earning assets | 0.8828% | 2,429 |
| Net interest margin | 3.0938% | 3,365 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1922% | 3,122 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0575% | 2,359 |
| Return on assets (ROA) | 1.0575% | 2,327 |
| Pretax return on assets | 1.0575% | 2,839 |
| Return on Equity (ROE) | 20.4200% | 713 |
| Retained earnings to average equity (ytd only) | 9.7658% | 1,751 |
| Net charge-offs to loans | 0.1077% | 568 |
| Credit loss provision to net charge-offs | 53.5714% | 1,296 |
| Earnings coverage of net charge-offs (x) | 19.8750% | 1,455 |
| Efficiency ratio | 66.8553% | 2,107 |
| Assets per employee ($millions) | 7.2701% | 1,770 |
| Cash dividends to net income (ytd only)* | 52.1699% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,764 |
| Loan loss allowance to noncurrent loans | 67.4636% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 514 |
| Noncurrent loans to loans | 1.7210% | 361 |
| Net loans and leases to total assets | 50.4300% | 3,454 |
| Net loans and leases to deposits | 55.5086% | 3,599 |
| Net loans and leases to core deposits | 58.8606% | 3,592 |
| Total domestic deposits to total assets | 90.8500% | 845 |
| Equity capital to assets | 5.5980% | 4,319 |
| Core capital (leverage) ratio | 9.5909% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $409,635,500 | 2,008 |
| Average earning assets | $386,962,000 | 1,979 |
| Average equity | $21,217,000 | 2,780 |
| Average total loans | $207,962,000 | 2,250 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5046% | 3,065 |
| Cost of funding earning assets | 0.2428% | 3,386 |
| Net interest margin | 3.2618% | 2,672 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.1171% | 3,243 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2783% | 1,506 |
| Return on assets (ROA) | 1.2783% | 1,461 |
| Pretax return on assets | 1.2783% | 2,166 |
| Return on Equity (ROE) | 21.8100% | 347 |
| Retained earnings to average equity (ytd only) | 17.2511% | 163 |
| Net charge-offs to loans | 0.0085% | 2,072 |
| Credit loss provision to net charge-offs | 750.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 335.0625% | 453 |
| Efficiency ratio | 61.8190% | 2,788 |
| Assets per employee ($millions) | 6.7479% | 2,157 |
| Cash dividends to net income (ytd only)* | 20.8930% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,328 |
| Loan loss allowance to noncurrent loans | 70.7157% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 531 |
| Noncurrent loans to loans | 1.7151% | 361 |
| Net loans and leases to total assets | 49.8900% | 3,510 |
| Net loans and leases to deposits | 53.5084% | 3,705 |
| Net loans and leases to core deposits | 54.4617% | 3,789 |
| Total domestic deposits to total assets | 93.2400% | 356 |
| Equity capital to assets | 4.7511% | 4,423 |
| Core capital (leverage) ratio | 9.5753% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $409,990,000 | 1,990 |
| Average earning assets | $387,975,600 | 1,955 |
| Average equity | $24,033,200 | 2,637 |
| Average total loans | $187,376,400 | 2,324 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 2,850 |
| Cost of funding earning assets | 0.1994% | 3,283 |
| Net interest margin | 3.2238% | 2,557 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.0872% | 3,244 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.8239% | 409 |
| Return on assets (ROA) | 1.8239% | 399 |
| Pretax return on assets | 1.8239% | 695 |
| Return on Equity (ROE) | 28.8600% | 116 |
| Retained earnings to average equity (ytd only) | 21.1614% | 79 |
| Net charge-offs to loans | -0.0029% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.9726% | 3,917 |
| Assets per employee ($millions) | 7.0584% | 1,903 |
| Cash dividends to net income (ytd only)* | 26.6809% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,231 |
| Loan loss allowance to noncurrent loans | 69.8417% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.8794% | 552 |
| Noncurrent loans to loans | 1.7989% | 356 |
| Net loans and leases to total assets | 48.2700% | 3,600 |
| Net loans and leases to deposits | 50.4621% | 3,825 |
| Net loans and leases to core deposits | 51.1634% | 3,897 |
| Total domestic deposits to total assets | 95.6600% | 157 |
| Equity capital to assets | 4.1821% | 4,454 |
| Core capital (leverage) ratio | 9.6266% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $412,084,750 | 1,997 |
| Average earning assets | $391,203,500 | 1,958 |
| Average equity | $26,040,500 | 2,570 |
| Average total loans | $184,856,000 | 2,346 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 2,600 |
| Cost of funding earning assets | 0.1927% | 3,017 |
| Net interest margin | 3.1494% | 2,369 |
| Noninterest income to average assets | 1.1687% | 498 |
| Noninterest expense to average assets | 2.0364% | 3,333 |
| Loan and lease loss provision to assets | 0.0289% | 2,071 |
| Net operating income to assets | 2.0937% | 190 |
| Return on assets (ROA) | 2.0937% | 188 |
| Pretax return on assets | 2.0937% | 301 |
| Return on Equity (ROE) | 29.8708% | 59 |
| Retained earnings to average equity (ytd only) | 21.3726% | 55 |
| Net charge-offs to loans | -0.0022% | 3,151 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9638% | 4,310 |
| Assets per employee ($millions) | 7.2999% | 1,737 |
| Cash dividends to net income (ytd only)* | 28.4499% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,336 |
| Loan loss allowance to noncurrent loans | 64.5580% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 522 |
| Noncurrent loans to loans | 1.9653% | 331 |
| Net loans and leases to total assets | 47.2731% | 3,609 |
| Net loans and leases to deposits | 50.4510% | 3,790 |
| Net loans and leases to core deposits | 51.2685% | 3,856 |
| Total domestic deposits to total assets | 93.7010% | 339 |
| Equity capital to assets | 5.4451% | 4,381 |
| Core capital (leverage) ratio | 9.3681% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $415,336,000 | 1,991 |
| Average earning assets | $394,363,000 | 1,964 |
| Average equity | $29,112,000 | 2,453 |
| Average total loans | $180,915,667 | 2,378 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1311% | 2,873 |
| Cost of funding earning assets | 0.1844% | 3,025 |
| Net interest margin | 2.9468% | 2,682 |
| Noninterest income to average assets | 1.9903% | 241 |
| Noninterest expense to average assets | 1.9571% | 3,537 |
| Loan and lease loss provision to assets | 0.0284% | 1,855 |
| Net operating income to assets | 2.8059% | 89 |
| Return on assets (ROA) | 2.8059% | 83 |
| Pretax return on assets | 2.8059% | 119 |
| Return on Equity (ROE) | 36.1915% | 37 |
| Retained earnings to average equity (ytd only) | 24.5349% | 52 |
| Net charge-offs to loans | -0.0046% | 3,314 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8462% | 4,630 |
| Assets per employee ($millions) | 7.8224% | 1,479 |
| Cash dividends to net income (ytd only)* | 32.2080% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 2,075 |
| Loan loss allowance to noncurrent loans | 59.0486% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 534 |
| Noncurrent loans to loans | 2.3014% | 284 |
| Net loans and leases to total assets | 41.3797% | 3,926 |
| Net loans and leases to deposits | 44.6668% | 4,035 |
| Net loans and leases to core deposits | 45.5663% | 4,099 |
| Total domestic deposits to total assets | 92.6408% | 367 |
| Equity capital to assets | 6.7408% | 4,323 |
| Core capital (leverage) ratio | 9.0043% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,256,500 | 1,974 |
| Average earning assets | $401,388,500 | 1,949 |
| Average equity | $32,737,000 | 2,344 |
| Average total loans | $175,254,500 | 2,412 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 1,859 |
| Cost of funding earning assets | 0.3092% | 2,308 |
| Net interest margin | 3.4927% | 1,757 |
| Noninterest income to average assets | 0.3995% | 3,051 |
| Noninterest expense to average assets | 2.0887% | 3,414 |
| Loan and lease loss provision to assets | 0.0424% | 2,202 |
| Net operating income to assets | 1.5824% | 853 |
| Return on assets (ROA) | 1.5097% | 1,035 |
| Pretax return on assets | 1.5097% | 1,691 |
| Return on Equity (ROE) | 16.5210% | 671 |
| Retained earnings to average equity (ytd only) | 14.0613% | 298 |
| Net charge-offs to loans | -0.0601% | 4,407 |
| Credit loss provision to net charge-offs | -152.7778% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2465% | 3,678 |
| Assets per employee ($millions) | 8.2765% | 1,183 |
| Cash dividends to net income (ytd only)* | 14.8885% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,039 |
| Loan loss allowance to noncurrent loans | 191.8483% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 2,073 |
| Noncurrent loans to loans | 0.7149% | 1,424 |
| Net loans and leases to total assets | 40.4953% | 4,068 |
| Net loans and leases to deposits | 44.4350% | 4,154 |
| Net loans and leases to core deposits | 45.4463% | 4,209 |
| Total domestic deposits to total assets | 91.1339% | 445 |
| Equity capital to assets | 8.7656% | 3,833 |
| Core capital (leverage) ratio | 8.6924% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,276,600 | 2,026 |
| Average earning assets | $369,370,200 | 2,007 |
| Average equity | $35,572,800 | 2,263 |
| Average total loans | $179,608,400 | 2,387 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 1,680 |
| Cost of funding earning assets | 0.3447% | 2,168 |
| Net interest margin | 3.5880% | 1,627 |
| Noninterest income to average assets | 0.4080% | 3,044 |
| Noninterest expense to average assets | 2.0965% | 3,376 |
| Loan and lease loss provision to assets | 0.0472% | 2,053 |
| Net operating income to assets | 1.6619% | 901 |
| Return on assets (ROA) | 1.5629% | 1,163 |
| Pretax return on assets | 1.5629% | 1,814 |
| Return on Equity (ROE) | 16.9123% | 774 |
| Retained earnings to average equity (ytd only) | 14.7846% | 426 |
| Net charge-offs to loans | -0.0787% | 4,525 |
| Credit loss provision to net charge-offs | -126.1682% | 3,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0887% | 3,646 |
| Assets per employee ($millions) | 7.6977% | 1,448 |
| Cash dividends to net income (ytd only)* | 12.5812% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,573 |
| Loan loss allowance to noncurrent loans | 187.6000% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 2,297 |
| Noncurrent loans to loans | 0.6842% | 1,610 |
| Net loans and leases to total assets | 42.5998% | 4,051 |
| Net loans and leases to deposits | 46.7767% | 4,197 |
| Net loans and leases to core deposits | 47.9029% | 4,245 |
| Total domestic deposits to total assets | 91.0706% | 344 |
| Equity capital to assets | 8.7965% | 4,002 |
| Core capital (leverage) ratio | 8.6146% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,070,000 | 2,075 |
| Average earning assets | $360,863,750 | 2,056 |
| Average equity | $35,216,000 | 2,308 |
| Average total loans | $181,183,250 | 2,417 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 1,909 |
| Cost of funding earning assets | 0.3856% | 2,009 |
| Net interest margin | 3.4799% | 1,916 |
| Noninterest income to average assets | 0.4158% | 3,032 |
| Noninterest expense to average assets | 2.1604% | 3,210 |
| Loan and lease loss provision to assets | 0.0572% | 1,884 |
| Net operating income to assets | 1.4939% | 1,311 |
| Return on assets (ROA) | 1.4012% | 1,630 |
| Pretax return on assets | 1.4012% | 2,338 |
| Return on Equity (ROE) | 14.8868% | 1,186 |
| Retained earnings to average equity (ytd only) | 13.1497% | 691 |
| Net charge-offs to loans | -0.0033% | 3,316 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2085% | 3,255 |
| Assets per employee ($millions) | 7.0523% | 1,766 |
| Cash dividends to net income (ytd only)* | 11.6686% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 3,158 |
| Loan loss allowance to noncurrent loans | 182.2754% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 2,351 |
| Noncurrent loans to loans | 0.6346% | 1,824 |
| Net loans and leases to total assets | 48.7077% | 3,665 |
| Net loans and leases to deposits | 53.7243% | 3,874 |
| Net loans and leases to core deposits | 55.0416% | 3,967 |
| Total domestic deposits to total assets | 90.6623% | 492 |
| Equity capital to assets | 9.2379% | 3,572 |
| Core capital (leverage) ratio | 8.8837% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,968,333 | 2,126 |
| Average earning assets | $347,541,667 | 2,103 |
| Average equity | $34,540,667 | 2,336 |
| Average total loans | $180,677,000 | 2,432 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 1,513 |
| Cost of funding earning assets | 0.4330% | 1,843 |
| Net interest margin | 3.6159% | 1,540 |
| Noninterest income to average assets | 0.3691% | 3,251 |
| Noninterest expense to average assets | 2.0925% | 3,446 |
| Loan and lease loss provision to assets | 0.0841% | 1,549 |
| Net operating income to assets | 1.6123% | 1,108 |
| Return on assets (ROA) | 1.6796% | 1,023 |
| Pretax return on assets | 1.6796% | 1,537 |
| Return on Equity (ROE) | 17.6663% | 763 |
| Retained earnings to average equity (ytd only) | 17.6663% | 380 |
| Net charge-offs to loans | -0.0046% | 3,356 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2265% | 3,647 |
| Assets per employee ($millions) | 6.8616% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,991 |
| Loan loss allowance to noncurrent loans | 175.6648% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 2,494 |
| Noncurrent loans to loans | 0.6762% | 1,896 |
| Net loans and leases to total assets | 48.0516% | 3,812 |
| Net loans and leases to deposits | 52.7680% | 4,012 |
| Net loans and leases to core deposits | 54.4265% | 4,075 |
| Total domestic deposits to total assets | 91.0619% | 380 |
| Equity capital to assets | 8.8615% | 3,823 |
| Core capital (leverage) ratio | 9.3717% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,513,000 | 2,156 |
| Average earning assets | $337,178,500 | 2,140 |
| Average equity | $33,895,000 | 2,356 |
| Average total loans | $175,446,500 | 2,471 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3023% | 1,866 |
| Cost of funding earning assets | 0.6609% | 1,927 |
| Net interest margin | 3.6414% | 2,006 |
| Noninterest income to average assets | 0.5616% | 2,368 |
| Noninterest expense to average assets | 2.2254% | 3,609 |
| Loan and lease loss provision to assets | 0.2177% | 1,799 |
| Net operating income to assets | 1.5260% | 754 |
| Return on assets (ROA) | 1.7396% | 489 |
| Pretax return on assets | 1.7396% | 783 |
| Return on Equity (ROE) | 15.8045% | 527 |
| Retained earnings to average equity (ytd only) | 6.0418% | 1,779 |
| Net charge-offs to loans | -0.0038% | 4,073 |
| Credit loss provision to net charge-offs | -10,666.6667% | 4,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0679% | 3,979 |
| Assets per employee ($millions) | 6.2156% | 2,155 |
| Cash dividends to net income (ytd only)* | 61.7716% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,631 |
| Loan loss allowance to noncurrent loans | 150.7527% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 2,334 |
| Noncurrent loans to loans | 0.8335% | 1,680 |
| Net loans and leases to total assets | 49.2403% | 3,885 |
| Net loans and leases to deposits | 56.2049% | 3,981 |
| Net loans and leases to core deposits | 58.4786% | 4,025 |
| Total domestic deposits to total assets | 87.6084% | 1,654 |
| Equity capital to assets | 10.2336% | 2,895 |
| Core capital (leverage) ratio | 9.8467% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,970,600 | 2,327 |
| Average earning assets | $275,082,800 | 2,321 |
| Average equity | $32,357,800 | 2,370 |
| Average total loans | $157,240,800 | 2,591 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,236 |
| Cost of funding earning assets | 0.7055% | 1,996 |
| Net interest margin | 3.9205% | 1,301 |
| Noninterest income to average assets | 0.4585% | 2,803 |
| Noninterest expense to average assets | 2.2147% | 3,647 |
| Loan and lease loss provision to assets | 0.2656% | 1,532 |
| Net operating income to assets | 1.6415% | 659 |
| Return on assets (ROA) | 1.9373% | 373 |
| Pretax return on assets | 1.9373% | 584 |
| Return on Equity (ROE) | 17.2415% | 424 |
| Retained earnings to average equity (ytd only) | 11.7092% | 470 |
| Net charge-offs to loans | -0.0043% | 4,022 |
| Credit loss provision to net charge-offs | -11,300.0000% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7303% | 4,178 |
| Assets per employee ($millions) | 6.0956% | 2,182 |
| Cash dividends to net income (ytd only)* | 32.0874% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,838 |
| Loan loss allowance to noncurrent loans | 108.5699% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 1,964 |
| Noncurrent loans to loans | 1.0775% | 1,392 |
| Net loans and leases to total assets | 54.0240% | 3,803 |
| Net loans and leases to deposits | 62.3372% | 3,914 |
| Net loans and leases to core deposits | 65.3402% | 3,934 |
| Total domestic deposits to total assets | 86.6641% | 1,791 |
| Equity capital to assets | 10.8846% | 2,491 |
| Core capital (leverage) ratio | 10.7326% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,553,250 | 2,357 |
| Average earning assets | $264,957,750 | 2,351 |
| Average equity | $31,860,250 | 2,384 |
| Average total loans | $154,707,750 | 2,626 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 1,234 |
| Cost of funding earning assets | 0.7611% | 2,047 |
| Net interest margin | 4.0113% | 1,292 |
| Noninterest income to average assets | 0.3928% | 3,128 |
| Noninterest expense to average assets | 2.2591% | 3,624 |
| Loan and lease loss provision to assets | 0.3597% | 1,172 |
| Net operating income to assets | 1.5117% | 906 |
| Return on assets (ROA) | 1.8560% | 491 |
| Pretax return on assets | 1.8560% | 730 |
| Return on Equity (ROE) | 16.3202% | 515 |
| Retained earnings to average equity (ytd only) | 9.3996% | 911 |
| Net charge-offs to loans | -0.0040% | 3,950 |
| Credit loss provision to net charge-offs | -16,333.3333% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6925% | 4,099 |
| Assets per employee ($millions) | 6.2395% | 1,998 |
| Cash dividends to net income (ytd only)* | 42.4051% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,700 |
| Loan loss allowance to noncurrent loans | 82.2438% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 1,535 |
| Noncurrent loans to loans | 1.4173% | 1,090 |
| Net loans and leases to total assets | 56.3827% | 3,656 |
| Net loans and leases to deposits | 65.5296% | 3,757 |
| Net loans and leases to core deposits | 68.7442% | 3,810 |
| Total domestic deposits to total assets | 86.0415% | 1,991 |
| Equity capital to assets | 11.3618% | 2,071 |
| Core capital (leverage) ratio | 11.1346% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,413,667 | 2,397 |
| Average earning assets | $253,831,667 | 2,394 |
| Average equity | $30,980,000 | 2,409 |
| Average total loans | $148,521,000 | 2,669 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,717 |
| Cost of funding earning assets | 0.8286% | 2,232 |
| Net interest margin | 3.8683% | 1,767 |
| Noninterest income to average assets | 0.4092% | 3,032 |
| Noninterest expense to average assets | 2.3619% | 3,621 |
| Loan and lease loss provision to assets | 0.0687% | 2,895 |
| Net operating income to assets | 1.5710% | 661 |
| Return on assets (ROA) | 1.5741% | 727 |
| Pretax return on assets | 1.5741% | 1,126 |
| Return on Equity (ROE) | 13.8341% | 730 |
| Retained earnings to average equity (ytd only) | 5.3807% | 2,124 |
| Net charge-offs to loans | -0.0057% | 3,902 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0233% | 3,866 |
| Assets per employee ($millions) | 5.3460% | 2,277 |
| Cash dividends to net income (ytd only)* | 61.1057% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,474 |
| Loan loss allowance to noncurrent loans | 124.9377% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 2,669 |
| Noncurrent loans to loans | 0.8359% | 1,939 |
| Net loans and leases to total assets | 53.2789% | 4,043 |
| Net loans and leases to deposits | 60.1222% | 4,191 |
| Net loans and leases to core deposits | 63.1866% | 4,218 |
| Total domestic deposits to total assets | 88.6177% | 829 |
| Equity capital to assets | 11.2663% | 2,625 |
| Core capital (leverage) ratio | 11.5547% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,993,000 | 2,418 |
| Average earning assets | $243,312,000 | 2,422 |
| Average equity | $29,810,500 | 2,466 |
| Average total loans | $139,134,000 | 2,733 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 2,539 |
| Cost of funding earning assets | 0.8083% | 2,643 |
| Net interest margin | 3.8160% | 2,452 |
| Noninterest income to average assets | 0.4827% | 2,843 |
| Noninterest expense to average assets | 2.6170% | 3,131 |
| Loan and lease loss provision to assets | 0.0695% | 2,616 |
| Net operating income to assets | 1.3287% | 1,583 |
| Return on assets (ROA) | 1.3791% | 1,493 |
| Pretax return on assets | 1.3791% | 2,235 |
| Return on Equity (ROE) | 12.0997% | 1,473 |
| Retained earnings to average equity (ytd only) | 7.7135% | 1,075 |
| Net charge-offs to loans | 0.4439% | 433 |
| Credit loss provision to net charge-offs | 30.0885% | 3,271 |
| Earnings coverage of net charge-offs (x) | 6.0496% | 3,014 |
| Efficiency ratio | 65.1758% | 2,899 |
| Assets per employee ($millions) | 5.0330% | 2,552 |
| Cash dividends to net income (ytd only)* | 36.2504% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,034 |
| Loan loss allowance to noncurrent loans | 57.4527% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 1,263 |
| Noncurrent loans to loans | 1.8876% | 694 |
| Net loans and leases to total assets | 51.7728% | 4,245 |
| Net loans and leases to deposits | 58.5901% | 4,350 |
| Net loans and leases to core deposits | 61.2452% | 4,376 |
| Total domestic deposits to total assets | 88.3643% | 956 |
| Equity capital to assets | 11.4950% | 2,532 |
| Core capital (leverage) ratio | 11.6817% | 1,974 |
| Tier 1 risk-based capital ratio | 16.5174% | 2,211 |
| Total risk-based capital ratio | 17.3319% | 2,323 |
| Memoranda: | ||
| Average total assets | $244,442,400 | 2,495 |
| Average earning assets | $226,286,000 | 2,488 |
| Average equity | $27,860,200 | 2,505 |
| Average total loans | $127,283,000 | 2,852 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 2,550 |
| Cost of funding earning assets | 0.8046% | 2,695 |
| Net interest margin | 3.8486% | 2,441 |
| Noninterest income to average assets | 0.4839% | 2,834 |
| Noninterest expense to average assets | 2.6326% | 3,070 |
| Loan and lease loss provision to assets | 0.0497% | 2,905 |
| Net operating income to assets | 1.3632% | 1,604 |
| Return on assets (ROA) | 1.3643% | 1,662 |
| Pretax return on assets | 1.3643% | 2,444 |
| Return on Equity (ROE) | 11.9978% | 1,619 |
| Retained earnings to average equity (ytd only) | 7.5193% | 1,610 |
| Net charge-offs to loans | 0.0467% | 2,167 |
| Credit loss provision to net charge-offs | 204.5455% | 1,287 |
| Earnings coverage of net charge-offs (x) | 58.1316% | 1,077 |
| Efficiency ratio | 65.0737% | 2,847 |
| Assets per employee ($millions) | 4.8742% | 2,700 |
| Cash dividends to net income (ytd only)* | 37.3279% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,373 |
| Loan loss allowance to noncurrent loans | 122.0579% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 2,128 |
| Noncurrent loans to loans | 1.1935% | 1,313 |
| Net loans and leases to total assets | 51.6481% | 4,332 |
| Net loans and leases to deposits | 58.7924% | 4,441 |
| Net loans and leases to core deposits | 61.2578% | 4,491 |
| Total domestic deposits to total assets | 87.8484% | 1,102 |
| Equity capital to assets | 11.7485% | 2,462 |
| Core capital (leverage) ratio | 11.6132% | 2,136 |
| Tier 1 risk-based capital ratio | 17.1348% | 2,040 |
| Total risk-based capital ratio | 18.2582% | 2,036 |
| Memoranda: | ||
| Average total assets | $241,381,750 | 2,536 |
| Average earning assets | $223,383,250 | 2,532 |
| Average equity | $27,448,750 | 2,544 |
| Average total loans | $125,516,250 | 2,904 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 2,531 |
| Cost of funding earning assets | 0.8092% | 2,599 |
| Net interest margin | 3.8358% | 2,456 |
| Noninterest income to average assets | 0.4862% | 2,752 |
| Noninterest expense to average assets | 2.6789% | 2,982 |
| Loan and lease loss provision to assets | 0.0502% | 2,814 |
| Net operating income to assets | 1.3039% | 1,754 |
| Return on assets (ROA) | 1.2235% | 2,118 |
| Pretax return on assets | 1.2235% | 2,829 |
| Return on Equity (ROE) | 10.8847% | 2,023 |
| Retained earnings to average equity (ytd only) | 6.4028% | 2,101 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4246% | 2,762 |
| Assets per employee ($millions) | 4.8104% | 2,728 |
| Cash dividends to net income (ytd only)* | 41.1765% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 1,326 |
| Loan loss allowance to noncurrent loans | 180.7183% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 2,758 |
| Noncurrent loans to loans | 0.8212% | 1,950 |
| Net loans and leases to total assets | 52.7717% | 4,307 |
| Net loans and leases to deposits | 59.9660% | 4,428 |
| Net loans and leases to core deposits | 62.5490% | 4,479 |
| Total domestic deposits to total assets | 88.0027% | 1,101 |
| Equity capital to assets | 11.8576% | 2,298 |
| Core capital (leverage) ratio | 11.8278% | 1,930 |
| Tier 1 risk-based capital ratio | 16.7742% | 2,151 |
| Total risk-based capital ratio | 17.9091% | 2,138 |
| Memoranda: | ||
| Average total assets | $238,981,000 | 2,562 |
| Average earning assets | $220,971,000 | 2,559 |
| Average equity | $26,863,330 | 2,574 |
| Average total loans | $123,926,000 | 2,940 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 2,438 |
| Cost of funding earning assets | 0.7775% | 2,648 |
| Net interest margin | 3.8512% | 2,339 |
| Noninterest income to average assets | 0.4769% | 2,698 |
| Noninterest expense to average assets | 2.7555% | 2,725 |
| Loan and lease loss provision to assets | 0.0504% | 2,647 |
| Net operating income to assets | 1.2224% | 1,975 |
| Return on assets (ROA) | 1.0696% | 2,630 |
| Pretax return on assets | 1.0696% | 3,244 |
| Return on Equity (ROE) | 9.7868% | 2,455 |
| Retained earnings to average equity (ytd only) | 5.3313% | 2,764 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4035% | 2,583 |
| Assets per employee ($millions) | 4.8212% | 2,762 |
| Cash dividends to net income (ytd only)* | 45.5259% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,167 |
| Loan loss allowance to noncurrent loans | 170.6256% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 2,765 |
| Noncurrent loans to loans | 0.9115% | 1,834 |
| Net loans and leases to total assets | 49.4190% | 4,502 |
| Net loans and leases to deposits | 56.1860% | 4,590 |
| Net loans and leases to core deposits | 58.5899% | 4,624 |
| Total domestic deposits to total assets | 87.9561% | 1,355 |
| Equity capital to assets | 11.0421% | 2,807 |
| Core capital (leverage) ratio | 11.6541% | 2,021 |
| Tier 1 risk-based capital ratio | 16.5043% | 2,264 |
| Total risk-based capital ratio | 17.6237% | 2,255 |
| Memoranda: | ||
| Average total assets | $238,211,000 | 2,593 |
| Average earning assets | $219,671,000 | 2,590 |
| Average equity | $26,035,000 | 2,639 |
| Average total loans | $121,469,500 | 3,003 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 2,590 |
| Cost of funding earning assets | 0.5140% | 3,262 |
| Net interest margin | 3.9421% | 2,188 |
| Noninterest income to average assets | 0.4718% | 2,988 |
| Noninterest expense to average assets | 2.8131% | 2,645 |
| Loan and lease loss provision to assets | 0.0523% | 3,136 |
| Net operating income to assets | 1.2380% | 2,022 |
| Return on assets (ROA) | 1.1739% | 2,279 |
| Pretax return on assets | 1.1739% | 2,993 |
| Return on Equity (ROE) | 11.1460% | 2,027 |
| Retained earnings to average equity (ytd only) | 6.1417% | 2,121 |
| Net charge-offs to loans | 0.0761% | 2,036 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 32.9111% | 1,508 |
| Efficiency ratio | 68.5563% | 2,456 |
| Assets per employee ($millions) | 4.7073% | 2,869 |
| Cash dividends to net income (ytd only)* | 44.8980% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,231 |
| Loan loss allowance to noncurrent loans | 128.8796% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 2,056 |
| Noncurrent loans to loans | 1.1786% | 1,365 |
| Net loans and leases to total assets | 51.0174% | 4,452 |
| Net loans and leases to deposits | 57.2382% | 4,609 |
| Net loans and leases to core deposits | 58.9715% | 4,670 |
| Total domestic deposits to total assets | 89.1317% | 805 |
| Equity capital to assets | 10.8139% | 2,877 |
| Core capital (leverage) ratio | 11.6979% | 1,952 |
| Tier 1 risk-based capital ratio | 16.4657% | 2,249 |
| Total risk-based capital ratio | 17.5786% | 2,240 |
| Memoranda: | ||
| Average total assets | $229,568,800 | 2,614 |
| Average earning assets | $211,485,400 | 2,627 |
| Average equity | $24,179,000 | 2,709 |
| Average total loans | $118,283,200 | 3,013 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 2,634 |
| Cost of funding earning assets | 0.4854% | 3,289 |
| Net interest margin | 3.9111% | 2,254 |
| Noninterest income to average assets | 0.4740% | 3,021 |
| Noninterest expense to average assets | 2.8242% | 2,558 |
| Loan and lease loss provision to assets | 0.0526% | 2,928 |
| Net operating income to assets | 1.1999% | 2,240 |
| Return on assets (ROA) | 1.1713% | 2,369 |
| Pretax return on assets | 1.1713% | 3,118 |
| Return on Equity (ROE) | 11.1939% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.3902% | 2,439 |
| Net charge-offs to loans | 0.1034% | 1,454 |
| Credit loss provision to net charge-offs | 98.9011% | 2,309 |
| Earnings coverage of net charge-offs (x) | 23.5495% | 1,838 |
| Efficiency ratio | 69.2760% | 2,309 |
| Assets per employee ($millions) | 4.8364% | 2,674 |
| Cash dividends to net income (ytd only)* | 42.9143% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,263 |
| Loan loss allowance to noncurrent loans | 163.0260% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 2,334 |
| Noncurrent loans to loans | 0.9367% | 1,820 |
| Net loans and leases to total assets | 49.5514% | 4,630 |
| Net loans and leases to deposits | 56.3736% | 4,731 |
| Net loans and leases to core deposits | 58.1064% | 4,785 |
| Total domestic deposits to total assets | 87.8983% | 1,282 |
| Equity capital to assets | 10.0589% | 3,578 |
| Core capital (leverage) ratio | 11.6312% | 2,060 |
| Tier 1 risk-based capital ratio | 16.3861% | 2,306 |
| Total risk-based capital ratio | 17.4889% | 2,305 |
| Memoranda: | ||
| Average total assets | $228,120,250 | 2,639 |
| Average earning assets | $210,131,500 | 2,652 |
| Average equity | $23,869,500 | 2,750 |
| Average total loans | $117,372,000 | 3,051 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,763 |
| Cost of funding earning assets | 0.4803% | 3,155 |
| Net interest margin | 3.8182% | 2,511 |
| Noninterest income to average assets | 0.4477% | 3,166 |
| Noninterest expense to average assets | 2.9836% | 2,083 |
| Loan and lease loss provision to assets | 0.0533% | 2,844 |
| Net operating income to assets | 0.9273% | 3,333 |
| Return on assets (ROA) | 0.9193% | 3,383 |
| Pretax return on assets | 0.9193% | 3,913 |
| Return on Equity (ROE) | 8.6683% | 3,189 |
| Retained earnings to average equity (ytd only) | 3.8107% | 3,693 |
| Net charge-offs to loans | 0.1559% | 991 |
| Credit loss provision to net charge-offs | 65.9341% | 2,392 |
| Earnings coverage of net charge-offs (x) | 12.1319% | 2,222 |
| Efficiency ratio | 75.2633% | 1,521 |
| Assets per employee ($millions) | 4.9482% | 2,485 |
| Cash dividends to net income (ytd only)* | 56.0386% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 1,258 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 1,343 |
| Noncurrent loans to loans | 1.7372% | 913 |
| Net loans and leases to total assets | 51.3111% | 4,521 |
| Net loans and leases to deposits | 57.4992% | 4,669 |
| Net loans and leases to core deposits | 59.3474% | 4,733 |
| Total domestic deposits to total assets | 89.2379% | 835 |
| Equity capital to assets | 10.6669% | 2,961 |
| Core capital (leverage) ratio | 12.0154% | 1,706 |
| Tier 1 risk-based capital ratio | 16.6845% | 2,202 |
| Total risk-based capital ratio | 17.8183% | 2,182 |
| Memoranda: | ||
| Average total assets | $225,165,670 | 2,676 |
| Average earning assets | $207,375,000 | 2,692 |
| Average equity | $23,880,000 | 2,764 |
| Average total loans | $116,746,000 | 3,076 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,790 |
| Cost of funding earning assets | 0.4984% | 2,807 |
| Net interest margin | 3.7301% | 2,688 |
| Noninterest income to average assets | 0.3869% | 3,556 |
| Noninterest expense to average assets | 3.4150% | 1,137 |
| Loan and lease loss provision to assets | 0.0530% | 2,714 |
| Net operating income to assets | 0.3569% | 5,001 |
| Return on assets (ROA) | 0.3516% | 5,013 |
| Pretax return on assets | 0.3516% | 5,100 |
| Return on Equity (ROE) | 3.3244% | 4,947 |
| Retained earnings to average equity (ytd only) | -2.8567% | 5,071 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2841% | 478 |
| Assets per employee ($millions) | 4.5168% | 3,127 |
| Cash dividends to net income (ytd only)* | 185.9296% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 1,250 |
| Loan loss allowance to noncurrent loans | 356.8401% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,135 |
| Noncurrent loans to loans | 0.4378% | 3,215 |
| Net loans and leases to total assets | 51.6671% | 4,459 |
| Net loans and leases to deposits | 57.6607% | 4,603 |
| Net loans and leases to core deposits | 59.4438% | 4,684 |
| Total domestic deposits to total assets | 89.6054% | 836 |
| Equity capital to assets | 10.3255% | 3,247 |
| Core capital (leverage) ratio | 11.7416% | 1,820 |
| Tier 1 risk-based capital ratio | 16.5821% | 2,249 |
| Total risk-based capital ratio | 17.7750% | 2,219 |
| Memoranda: | ||
| Average total assets | $226,413,000 | 2,694 |
| Average earning assets | $208,678,500 | 2,707 |
| Average equity | $23,944,000 | 2,781 |
| Average total loans | $117,095,500 | 3,102 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 3,060 |
| Cost of funding earning assets | 0.3184% | 3,969 |
| Net interest margin | 3.7811% | 2,497 |
| Noninterest income to average assets | 0.4385% | 3,385 |
| Noninterest expense to average assets | 2.7204% | 3,061 |
| Loan and lease loss provision to assets | 0.0693% | 2,816 |
| Net operating income to assets | 1.1229% | 1,781 |
| Return on assets (ROA) | 1.1807% | 1,601 |
| Pretax return on assets | 1.1807% | 2,848 |
| Return on Equity (ROE) | 10.6228% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.9433% | 1,102 |
| Net charge-offs to loans | -0.0019% | 4,531 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5288% | 2,624 |
| Assets per employee ($millions) | 5.1588% | 2,309 |
| Cash dividends to net income (ytd only)* | 34.6380% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 1,201 |
| Loan loss allowance to noncurrent loans | 143.8043% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 2,081 |
| Noncurrent loans to loans | 1.0955% | 1,618 |
| Net loans and leases to total assets | 50.1493% | 4,636 |
| Net loans and leases to deposits | 56.2633% | 4,787 |
| Net loans and leases to core deposits | 60.6899% | 4,723 |
| Total domestic deposits to total assets | 89.1333% | 941 |
| Equity capital to assets | 10.8239% | 2,814 |
| Core capital (leverage) ratio | 11.8902% | 1,672 |
| Tier 1 risk-based capital ratio | 16.9085% | 2,125 |
| Total risk-based capital ratio | 18.0951% | 2,093 |
| Memoranda: | ||
| Average total assets | $216,402,800 | 2,757 |
| Average earning assets | $198,828,800 | 2,779 |
| Average equity | $24,052,000 | 2,745 |
| Average total loans | $105,584,600 | 3,254 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,085 |
| Cost of funding earning assets | 0.3078% | 4,054 |
| Net interest margin | 3.7638% | 2,529 |
| Noninterest income to average assets | 0.4391% | 3,408 |
| Noninterest expense to average assets | 2.7557% | 2,874 |
| Loan and lease loss provision to assets | 0.0749% | 2,574 |
| Net operating income to assets | 1.0635% | 2,265 |
| Return on assets (ROA) | 1.1234% | 2,044 |
| Pretax return on assets | 1.1234% | 3,219 |
| Return on Equity (ROE) | 10.0376% | 2,118 |
| Retained earnings to average equity (ytd only) | 6.8330% | 1,780 |
| Net charge-offs to loans | -0.0026% | 4,348 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7673% | 2,403 |
| Assets per employee ($millions) | 4.6494% | 2,903 |
| Cash dividends to net income (ytd only)* | 31.9269% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 1,104 |
| Loan loss allowance to noncurrent loans | 479.1444% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,538 |
| Noncurrent loans to loans | 0.3471% | 3,705 |
| Net loans and leases to total assets | 48.4828% | 4,802 |
| Net loans and leases to deposits | 54.7706% | 4,930 |
| Net loans and leases to core deposits | 55.9628% | 4,999 |
| Total domestic deposits to total assets | 88.5197% | 1,111 |
| Equity capital to assets | 11.3604% | 2,508 |
| Core capital (leverage) ratio | 11.7941% | 1,826 |
| Tier 1 risk-based capital ratio | 16.9578% | 2,168 |
| Total risk-based capital ratio | 18.1492% | 2,139 |
| Memoranda: | ||
| Average total assets | $213,756,500 | 2,801 |
| Average earning assets | $196,215,500 | 2,832 |
| Average equity | $23,922,750 | 2,789 |
| Average total loans | $103,067,000 | 3,330 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,024 |
| Cost of funding earning assets | 0.3043% | 4,040 |
| Net interest margin | 3.7408% | 2,512 |
| Noninterest income to average assets | 0.4204% | 3,560 |
| Noninterest expense to average assets | 2.7695% | 2,864 |
| Loan and lease loss provision to assets | 0.0848% | 2,290 |
| Net operating income to assets | 0.9964% | 2,445 |
| Return on assets (ROA) | 1.0539% | 2,236 |
| Pretax return on assets | 1.0539% | 3,358 |
| Return on Equity (ROE) | 9.4658% | 2,290 |
| Retained earnings to average equity (ytd only) | 6.0791% | 2,070 |
| Net charge-offs to loans | -0.0039% | 4,281 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9217% | 2,352 |
| Assets per employee ($millions) | 4.8018% | 2,648 |
| Cash dividends to net income (ytd only)* | 35.7782% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 1,076 |
| Loan loss allowance to noncurrent loans | 366.3202% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 3,408 |
| Noncurrent loans to loans | 0.4614% | 3,361 |
| Net loans and leases to total assets | 47.4331% | 4,858 |
| Net loans and leases to deposits | 53.5192% | 4,988 |
| Net loans and leases to core deposits | 54.6236% | 5,064 |
| Total domestic deposits to total assets | 88.6283% | 1,142 |
| Equity capital to assets | 11.2976% | 2,498 |
| Core capital (leverage) ratio | 11.9156% | 1,683 |
| Tier 1 risk-based capital ratio | 17.0728% | 2,143 |
| Total risk-based capital ratio | 18.2763% | 2,104 |
| Memoranda: | ||
| Average total assets | $212,167,670 | 2,837 |
| Average earning assets | $194,555,000 | 2,860 |
| Average equity | $23,622,000 | 2,819 |
| Average total loans | $101,510,000 | 3,368 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 2,851 |
| Cost of funding earning assets | 0.3013% | 4,030 |
| Net interest margin | 3.7490% | 2,316 |
| Noninterest income to average assets | 0.4586% | 3,268 |
| Noninterest expense to average assets | 2.8143% | 2,740 |
| Loan and lease loss provision to assets | 0.1142% | 1,679 |
| Net operating income to assets | 0.9628% | 2,467 |
| Return on assets (ROA) | 1.0599% | 2,070 |
| Pretax return on assets | 1.0599% | 3,135 |
| Return on Equity (ROE) | 9.5923% | 2,145 |
| Retained earnings to average equity (ytd only) | 5.7175% | 2,484 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3227% | 2,517 |
| Assets per employee ($millions) | 4.5744% | 3,053 |
| Cash dividends to net income (ytd only)* | 40.3950% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 1,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 4,170 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.3681% | 4,869 |
| Net loans and leases to deposits | 53.3533% | 4,974 |
| Net loans and leases to core deposits | 54.4807% | 5,041 |
| Total domestic deposits to total assets | 88.7821% | 1,267 |
| Equity capital to assets | 11.1756% | 2,451 |
| Core capital (leverage) ratio | 11.9133% | 1,683 |
| Tier 1 risk-based capital ratio | 17.6775% | 1,982 |
| Total risk-based capital ratio | 18.9209% | 1,937 |
| Memoranda: | ||
| Average total assets | $210,211,000 | 2,887 |
| Average earning assets | $192,476,000 | 2,904 |
| Average equity | $23,227,000 | 2,863 |
| Average total loans | $100,137,000 | 3,418 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 2,594 |
| Cost of funding earning assets | 0.2976% | 4,093 |
| Net interest margin | 3.8707% | 2,064 |
| Noninterest income to average assets | 0.5287% | 3,035 |
| Noninterest expense to average assets | 2.7873% | 3,067 |
| Loan and lease loss provision to assets | 0.1154% | 2,141 |
| Net operating income to assets | 1.1767% | 1,586 |
| Return on assets (ROA) | 1.3011% | 1,284 |
| Pretax return on assets | 1.3011% | 2,284 |
| Return on Equity (ROE) | 11.5903% | 1,366 |
| Retained earnings to average equity (ytd only) | 6.3239% | 1,550 |
| Net charge-offs to loans | 0.0010% | 4,252 |
| Credit loss provision to net charge-offs | 24,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,688.0000% | 17 |
| Efficiency ratio | 68.3280% | 3,180 |
| Assets per employee ($millions) | 4.6667% | 2,851 |
| Cash dividends to net income (ytd only)* | 45.4378% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 1,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 4,244 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 46.2852% | 5,000 |
| Net loans and leases to deposits | 53.9731% | 5,014 |
| Net loans and leases to core deposits | 55.1549% | 5,092 |
| Total domestic deposits to total assets | 85.7562% | 2,697 |
| Equity capital to assets | 10.9229% | 2,690 |
| Core capital (leverage) ratio | 11.3314% | 2,059 |
| Tier 1 risk-based capital ratio | 16.7187% | 2,262 |
| Total risk-based capital ratio | 17.8693% | 2,242 |
| Memoranda: | ||
| Average total assets | $208,047,800 | 2,876 |
| Average earning assets | $190,842,800 | 2,887 |
| Average equity | $23,355,800 | 2,863 |
| Average total loans | $99,516,400 | 3,392 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 2,581 |
| Cost of funding earning assets | 0.2988% | 4,112 |
| Net interest margin | 3.8790% | 2,054 |
| Noninterest income to average assets | 0.5370% | 2,999 |
| Noninterest expense to average assets | 2.7191% | 3,298 |
| Loan and lease loss provision to assets | 0.1156% | 1,999 |
| Net operating income to assets | 1.2629% | 1,406 |
| Return on assets (ROA) | 1.4241% | 1,072 |
| Pretax return on assets | 1.4241% | 1,954 |
| Return on Equity (ROE) | 12.5997% | 1,150 |
| Retained earnings to average equity (ytd only) | 7.7405% | 1,290 |
| Net charge-offs to loans | 0.0013% | 3,904 |
| Credit loss provision to net charge-offs | 18,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 2,151.3233% | 31 |
| Efficiency ratio | 66.3584% | 3,529 |
| Assets per employee ($millions) | 4.9509% | 2,417 |
| Cash dividends to net income (ytd only)* | 38.5655% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,412 |
| Loan loss allowance to noncurrent loans | 4,735.2941% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 4,373 |
| Noncurrent loans to loans | 0.0342% | 5,238 |
| Net loans and leases to total assets | 43.9084% | 5,197 |
| Net loans and leases to deposits | 49.3577% | 5,330 |
| Net loans and leases to core deposits | 50.4286% | 5,368 |
| Total domestic deposits to total assets | 88.9595% | 927 |
| Equity capital to assets | 10.9332% | 3,083 |
| Core capital (leverage) ratio | 11.1894% | 2,277 |
| Tier 1 risk-based capital ratio | 15.9875% | 2,632 |
| Total risk-based capital ratio | 17.0527% | 2,641 |
| Memoranda: | ||
| Average total assets | $207,559,750 | 2,895 |
| Average earning assets | $190,525,750 | 2,902 |
| Average equity | $23,460,250 | 2,869 |
| Average total loans | $99,678,000 | 3,400 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 2,177 |
| Cost of funding earning assets | 0.3014% | 4,112 |
| Net interest margin | 3.9920% | 1,667 |
| Noninterest income to average assets | 0.5393% | 2,960 |
| Noninterest expense to average assets | 2.7627% | 3,158 |
| Loan and lease loss provision to assets | 0.1185% | 1,924 |
| Net operating income to assets | 1.3206% | 1,221 |
| Return on assets (ROA) | 1.4678% | 994 |
| Pretax return on assets | 1.4678% | 1,781 |
| Return on Equity (ROE) | 12.8319% | 1,072 |
| Retained earnings to average equity (ytd only) | 8.2121% | 1,105 |
| Net charge-offs to loans | -0.0020% | 4,377 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7499% | 3,714 |
| Assets per employee ($millions) | 4.7886% | 2,576 |
| Cash dividends to net income (ytd only)* | 36.0027% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,763 |
| Loan loss allowance to noncurrent loans | 348.7640% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 3,545 |
| Noncurrent loans to loans | 0.4380% | 3,798 |
| Net loans and leases to total assets | 48.5822% | 4,942 |
| Net loans and leases to deposits | 55.2252% | 5,069 |
| Net loans and leases to core deposits | 56.6673% | 5,138 |
| Total domestic deposits to total assets | 87.9710% | 1,445 |
| Equity capital to assets | 11.7172% | 2,344 |
| Core capital (leverage) ratio | 11.5350% | 1,964 |
| Tier 1 risk-based capital ratio | 16.4056% | 2,466 |
| Total risk-based capital ratio | 17.4775% | 2,478 |
| Memoranda: | ||
| Average total assets | $202,483,330 | 2,955 |
| Average earning assets | $185,771,670 | 2,979 |
| Average equity | $23,161,000 | 2,904 |
| Average total loans | $99,759,670 | 3,414 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 2,547 |
| Cost of funding earning assets | 0.2935% | 4,237 |
| Net interest margin | 3.8876% | 1,972 |
| Noninterest income to average assets | 0.4762% | 3,298 |
| Noninterest expense to average assets | 2.8032% | 3,053 |
| Loan and lease loss provision to assets | 0.1195% | 1,763 |
| Net operating income to assets | 1.1157% | 1,847 |
| Return on assets (ROA) | 1.1595% | 1,787 |
| Pretax return on assets | 1.1595% | 2,855 |
| Return on Equity (ROE) | 10.2655% | 1,866 |
| Retained earnings to average equity (ytd only) | 5.4149% | 2,705 |
| Net charge-offs to loans | -0.0040% | 4,237 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4129% | 3,227 |
| Assets per employee ($millions) | 4.6690% | 2,793 |
| Cash dividends to net income (ytd only)* | 47.2509% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,938 |
| Loan loss allowance to noncurrent loans | 158.3864% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 2,665 |
| Noncurrent loans to loans | 0.9538% | 2,471 |
| Net loans and leases to total assets | 48.4502% | 4,932 |
| Net loans and leases to deposits | 54.9230% | 5,044 |
| Net loans and leases to core deposits | 56.2598% | 5,123 |
| Total domestic deposits to total assets | 88.2147% | 1,523 |
| Equity capital to assets | 11.4984% | 2,442 |
| Core capital (leverage) ratio | 11.5991% | 1,907 |
| Tier 1 risk-based capital ratio | 16.1167% | 2,626 |
| Total risk-based capital ratio | 17.1573% | 2,665 |
| Memoranda: | ||
| Average total assets | $200,769,500 | 2,981 |
| Average earning assets | $183,969,500 | 3,007 |
| Average equity | $22,678,000 | 2,957 |
| Average total loans | $98,845,500 | 3,443 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 2,000 |
| Cost of funding earning assets | 0.2974% | 4,277 |
| Net interest margin | 4.0717% | 1,481 |
| Noninterest income to average assets | 0.5574% | 2,977 |
| Noninterest expense to average assets | 2.8458% | 3,051 |
| Loan and lease loss provision to assets | 0.0843% | 2,608 |
| Net operating income to assets | 1.3413% | 1,173 |
| Return on assets (ROA) | 1.4050% | 1,074 |
| Pretax return on assets | 1.4050% | 1,884 |
| Return on Equity (ROE) | 11.9115% | 1,323 |
| Retained earnings to average equity (ytd only) | 6.3867% | 1,614 |
| Net charge-offs to loans | 0.0162% | 3,965 |
| Credit loss provision to net charge-offs | 1,066.6667% | 317 |
| Earnings coverage of net charge-offs (x) | 180.4000% | 364 |
| Efficiency ratio | 66.6256% | 3,808 |
| Assets per employee ($millions) | 4.6691% | 2,778 |
| Cash dividends to net income (ytd only)* | 46.3817% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 2,219 |
| Loan loss allowance to noncurrent loans | 321.7978% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 3,407 |
| Noncurrent loans to loans | 0.4498% | 3,861 |
| Net loans and leases to total assets | 48.5601% | 4,970 |
| Net loans and leases to deposits | 54.8912% | 5,116 |
| Net loans and leases to core deposits | 56.4485% | 5,176 |
| Total domestic deposits to total assets | 88.4660% | 1,399 |
| Equity capital to assets | 11.0927% | 2,730 |
| Core capital (leverage) ratio | 11.3309% | 2,103 |
| Tier 1 risk-based capital ratio | 16.1300% | 2,633 |
| Total risk-based capital ratio | 17.1430% | 2,674 |
| Memoranda: | ||
| Average total assets | $189,822,400 | 3,056 |
| Average earning assets | $173,147,400 | 3,077 |
| Average equity | $22,390,200 | 2,928 |
| Average total loans | $92,753,200 | 3,527 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,082 |
| Cost of funding earning assets | 0.2988% | 4,353 |
| Net interest margin | 4.0490% | 1,565 |
| Noninterest income to average assets | 0.5815% | 2,842 |
| Noninterest expense to average assets | 2.8500% | 3,008 |
| Loan and lease loss provision to assets | 0.0713% | 2,751 |
| Net operating income to assets | 1.3491% | 1,231 |
| Return on assets (ROA) | 1.4196% | 1,108 |
| Pretax return on assets | 1.4196% | 1,931 |
| Return on Equity (ROE) | 11.8463% | 1,417 |
| Retained earnings to average equity (ytd only) | 6.3930% | 2,021 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7390% | 3,759 |
| Assets per employee ($millions) | 4.4314% | 3,122 |
| Cash dividends to net income (ytd only)* | 46.0343% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 2,254 |
| Loan loss allowance to noncurrent loans | 197.2973% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 3,696 |
| Noncurrent loans to loans | 0.7484% | 3,087 |
| Net loans and leases to total assets | 46.4107% | 5,203 |
| Net loans and leases to deposits | 52.6247% | 5,332 |
| Net loans and leases to core deposits | 53.9726% | 5,406 |
| Total domestic deposits to total assets | 88.1918% | 1,458 |
| Equity capital to assets | 11.3724% | 2,618 |
| Core capital (leverage) ratio | 11.5040% | 2,035 |
| Tier 1 risk-based capital ratio | 16.5102% | 2,568 |
| Total risk-based capital ratio | 17.5304% | 2,633 |
| Memoranda: | ||
| Average total assets | $187,085,000 | 3,114 |
| Average earning assets | $170,440,750 | 3,141 |
| Average equity | $22,420,000 | 2,946 |
| Average total loans | $91,209,750 | 3,599 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 1,893 |
| Cost of funding earning assets | 0.3041% | 4,357 |
| Net interest margin | 4.0841% | 1,393 |
| Noninterest income to average assets | 0.5826% | 2,836 |
| Noninterest expense to average assets | 2.8747% | 2,977 |
| Loan and lease loss provision to assets | 0.0656% | 2,808 |
| Net operating income to assets | 1.3565% | 1,177 |
| Return on assets (ROA) | 1.4527% | 1,028 |
| Pretax return on assets | 1.4527% | 1,792 |
| Return on Equity (ROE) | 11.9011% | 1,400 |
| Retained earnings to average equity (ytd only) | 6.1521% | 2,145 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9041% | 3,853 |
| Assets per employee ($millions) | 4.0784% | 3,726 |
| Cash dividends to net income (ytd only)* | 48.3070% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 2,290 |
| Loan loss allowance to noncurrent loans | 230.2564% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 3,879 |
| Noncurrent loans to loans | 0.6518% | 3,520 |
| Net loans and leases to total assets | 48.1676% | 5,090 |
| Net loans and leases to deposits | 55.0178% | 5,191 |
| Net loans and leases to core deposits | 56.7567% | 5,266 |
| Total domestic deposits to total assets | 87.5492% | 1,882 |
| Equity capital to assets | 12.0220% | 2,010 |
| Core capital (leverage) ratio | 12.1065% | 1,593 |
| Tier 1 risk-based capital ratio | 17.2228% | 2,316 |
| Total risk-based capital ratio | 18.2744% | 2,338 |
| Memoranda: | ||
| Average total assets | $182,975,670 | 3,186 |
| Average earning assets | $166,402,670 | 3,215 |
| Average equity | $22,334,000 | 2,969 |
| Average total loans | $90,301,000 | 3,629 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 1,611 |
| Cost of funding earning assets | 0.3084% | 4,344 |
| Net interest margin | 4.1421% | 1,179 |
| Noninterest income to average assets | 0.5627% | 2,869 |
| Noninterest expense to average assets | 2.8090% | 3,221 |
| Loan and lease loss provision to assets | 0.0657% | 2,624 |
| Net operating income to assets | 1.4516% | 936 |
| Return on assets (ROA) | 1.4954% | 912 |
| Pretax return on assets | 1.4954% | 1,582 |
| Return on Equity (ROE) | 12.1590% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.2842% | 2,338 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9291% | 4,331 |
| Assets per employee ($millions) | 4.1293% | 3,700 |
| Cash dividends to net income (ytd only)* | 48.3163% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 2,605 |
| Loan loss allowance to noncurrent loans | 220.2341% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 3,900 |
| Noncurrent loans to loans | 0.6642% | 3,622 |
| Net loans and leases to total assets | 48.8310% | 4,952 |
| Net loans and leases to deposits | 56.0441% | 5,048 |
| Net loans and leases to core deposits | 58.1073% | 5,117 |
| Total domestic deposits to total assets | 87.1296% | 2,306 |
| Equity capital to assets | 12.5028% | 1,693 |
| Core capital (leverage) ratio | 12.2149% | 1,500 |
| Tier 1 risk-based capital ratio | 17.6360% | 2,261 |
| Total risk-based capital ratio | 18.6875% | 2,275 |
| Memoranda: | ||
| Average total assets | $182,698,500 | 3,207 |
| Average earning assets | $166,002,000 | 3,235 |
| Average equity | $22,469,000 | 2,974 |
| Average total loans | $90,577,000 | 3,631 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,149 |
| Cost of funding earning assets | 0.3148% | 4,632 |
| Net interest margin | 4.1084% | 1,556 |
| Noninterest income to average assets | 0.7732% | 1,978 |
| Noninterest expense to average assets | 2.8294% | 3,382 |
| Loan and lease loss provision to assets | 0.0658% | 3,185 |
| Net operating income to assets | 1.6204% | 682 |
| Return on assets (ROA) | 1.7942% | 497 |
| Pretax return on assets | 1.7942% | 804 |
| Return on Equity (ROE) | 15.4532% | 706 |
| Retained earnings to average equity (ytd only) | 9.0301% | 698 |
| Net charge-offs to loans | 0.1872% | 2,175 |
| Credit loss provision to net charge-offs | 76.9231% | 2,926 |
| Earnings coverage of net charge-offs (x) | 19.7115% | 1,765 |
| Efficiency ratio | 62.6594% | 4,800 |
| Assets per employee ($millions) | 4.3740% | 3,230 |
| Cash dividends to net income (ytd only)* | 41.5648% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 2,897 |
| Loan loss allowance to noncurrent loans | 224.6073% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 4,018 |
| Noncurrent loans to loans | 0.6289% | 3,805 |
| Net loans and leases to total assets | 48.8980% | 5,083 |
| Net loans and leases to deposits | 55.8971% | 5,192 |
| Net loans and leases to core deposits | 57.7217% | 5,275 |
| Total domestic deposits to total assets | 87.4786% | 2,048 |
| Equity capital to assets | 12.0963% | 1,950 |
| Core capital (leverage) ratio | 11.8957% | 1,699 |
| Tier 1 risk-based capital ratio | 17.0984% | 2,475 |
| Total risk-based capital ratio | 18.1109% | 2,510 |
| Memoranda: | ||
| Average total assets | $182,367,800 | 3,182 |
| Average earning assets | $166,123,600 | 3,204 |
| Average equity | $21,173,600 | 3,035 |
| Average total loans | $83,333,200 | 3,788 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,277 |
| Cost of funding earning assets | 0.3152% | 4,726 |
| Net interest margin | 4.0688% | 1,668 |
| Noninterest income to average assets | 0.8628% | 1,652 |
| Noninterest expense to average assets | 2.8068% | 3,435 |
| Loan and lease loss provision to assets | 0.0659% | 3,034 |
| Net operating income to assets | 1.6964% | 618 |
| Return on assets (ROA) | 1.9176% | 420 |
| Pretax return on assets | 1.9176% | 690 |
| Return on Equity (ROE) | 16.6922% | 592 |
| Retained earnings to average equity (ytd only) | 10.3162% | 626 |
| Net charge-offs to loans | -0.0770% | 6,056 |
| Credit loss provision to net charge-offs | -191.4894% | 5,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4299% | 4,976 |
| Assets per employee ($millions) | 4.2856% | 3,315 |
| Cash dividends to net income (ytd only)* | 38.1971% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 1,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 5,294 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.9377% | 5,381 |
| Net loans and leases to deposits | 52.7272% | 5,487 |
| Net loans and leases to core deposits | 54.2713% | 5,551 |
| Total domestic deposits to total assets | 87.1234% | 2,249 |
| Equity capital to assets | 11.8716% | 2,176 |
| Core capital (leverage) ratio | 11.4923% | 2,072 |
| Tier 1 risk-based capital ratio | 18.1155% | 2,178 |
| Total risk-based capital ratio | 19.3482% | 2,144 |
| Memoranda: | ||
| Average total assets | $182,032,500 | 3,213 |
| Average earning assets | $165,812,250 | 3,235 |
| Average equity | $20,911,500 | 3,070 |
| Average total loans | $81,387,250 | 3,864 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 2,283 |
| Cost of funding earning assets | 0.3191% | 4,770 |
| Net interest margin | 4.0541% | 1,649 |
| Noninterest income to average assets | 1.0371% | 1,105 |
| Noninterest expense to average assets | 2.8265% | 3,406 |
| Loan and lease loss provision to assets | 0.0662% | 2,943 |
| Net operating income to assets | 1.8303% | 466 |
| Return on assets (ROA) | 2.0476% | 320 |
| Pretax return on assets | 2.0476% | 493 |
| Return on Equity (ROE) | 18.0285% | 456 |
| Retained earnings to average equity (ytd only) | 11.7146% | 455 |
| Net charge-offs to loans | 0.0100% | 4,063 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 429.7500% | 162 |
| Efficiency ratio | 59.8458% | 5,316 |
| Assets per employee ($millions) | 4.4306% | 3,035 |
| Cash dividends to net income (ytd only)* | 35.0216% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 2,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 5,396 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.4529% | 5,504 |
| Net loans and leases to deposits | 50.7577% | 5,576 |
| Net loans and leases to core deposits | 54.9203% | 5,494 |
| Total domestic deposits to total assets | 87.5787% | 2,153 |
| Equity capital to assets | 11.8120% | 2,142 |
| Core capital (leverage) ratio | 11.4096% | 2,078 |
| Tier 1 risk-based capital ratio | 17.6978% | 2,354 |
| Total risk-based capital ratio | 18.8576% | 2,351 |
| Memoranda: | ||
| Average total assets | $181,283,330 | 3,236 |
| Average earning assets | $164,820,000 | 3,258 |
| Average equity | $20,589,670 | 3,109 |
| Average total loans | $79,811,670 | 3,916 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,456 |
| Cost of funding earning assets | 0.3188% | 4,874 |
| Net interest margin | 3.9989% | 1,768 |
| Noninterest income to average assets | 0.4020% | 4,169 |
| Noninterest expense to average assets | 2.7190% | 3,876 |
| Loan and lease loss provision to assets | 0.0663% | 2,797 |
| Net operating income to assets | 1.2457% | 1,359 |
| Return on assets (ROA) | 1.4887% | 867 |
| Pretax return on assets | 1.4887% | 1,462 |
| Return on Equity (ROE) | 13.3757% | 1,067 |
| Retained earnings to average equity (ytd only) | 6.4298% | 2,323 |
| Net charge-offs to loans | -0.0254% | 5,474 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4521% | 4,281 |
| Assets per employee ($millions) | 4.2063% | 3,513 |
| Cash dividends to net income (ytd only)* | 51.9288% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 2,304 |
| Loan loss allowance to noncurrent loans | 492.0290% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 4,301 |
| Noncurrent loans to loans | 0.3487% | 5,068 |
| Net loans and leases to total assets | 42.0339% | 5,666 |
| Net loans and leases to deposits | 47.4936% | 5,764 |
| Net loans and leases to core deposits | 50.9944% | 5,690 |
| Total domestic deposits to total assets | 88.5042% | 1,934 |
| Equity capital to assets | 11.0392% | 2,685 |
| Core capital (leverage) ratio | 11.3746% | 2,072 |
| Tier 1 risk-based capital ratio | 16.9632% | 2,710 |
| Total risk-based capital ratio | 18.1066% | 2,713 |
| Memoranda: | ||
| Average total assets | $181,097,500 | 3,262 |
| Average earning assets | $164,343,500 | 3,289 |
| Average equity | $20,156,000 | 3,159 |
| Average total loans | $78,653,000 | 3,980 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 2,431 |
| Cost of funding earning assets | 0.3399% | 5,245 |
| Net interest margin | 4.1008% | 1,637 |
| Noninterest income to average assets | 0.4684% | 3,974 |
| Noninterest expense to average assets | 2.8290% | 3,621 |
| Loan and lease loss provision to assets | 0.0905% | 3,298 |
| Net operating income to assets | 1.3209% | 1,203 |
| Return on assets (ROA) | 1.4946% | 880 |
| Pretax return on assets | 1.4946% | 1,461 |
| Return on Equity (ROE) | 13.5275% | 1,056 |
| Retained earnings to average equity (ytd only) | 8.0565% | 1,036 |
| Net charge-offs to loans | 0.4450% | 1,493 |
| Credit loss provision to net charge-offs | 45.6091% | 3,926 |
| Earnings coverage of net charge-offs (x) | 7.1105% | 2,911 |
| Efficiency ratio | 66.7153% | 4,424 |
| Assets per employee ($millions) | 4.1190% | 3,602 |
| Cash dividends to net income (ytd only)* | 40.4439% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 2,423 |
| Loan loss allowance to noncurrent loans | 1,593.9759% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 4,645 |
| Noncurrent loans to loans | 0.1062% | 5,890 |
| Net loans and leases to total assets | 43.3779% | 5,726 |
| Net loans and leases to deposits | 50.4853% | 5,734 |
| Net loans and leases to core deposits | 51.7332% | 5,813 |
| Total domestic deposits to total assets | 85.9218% | 3,299 |
| Equity capital to assets | 11.2247% | 2,405 |
| Core capital (leverage) ratio | 10.8977% | 2,478 |
| Tier 1 risk-based capital ratio | 16.8524% | 2,679 |
| Total risk-based capital ratio | 17.9772% | 2,704 |
| Memoranda: | ||
| Average total assets | $177,835,400 | 3,294 |
| Average earning assets | $163,578,600 | 3,293 |
| Average equity | $19,648,800 | 3,192 |
| Average total loans | $79,318,200 | 3,958 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 2,526 |
| Cost of funding earning assets | 0.3390% | 5,391 |
| Net interest margin | 4.0810% | 1,688 |
| Noninterest income to average assets | 0.5011% | 3,795 |
| Noninterest expense to average assets | 2.8064% | 3,637 |
| Loan and lease loss provision to assets | 0.0981% | 3,122 |
| Net operating income to assets | 1.3654% | 1,185 |
| Return on assets (ROA) | 1.5781% | 829 |
| Pretax return on assets | 1.5781% | 1,392 |
| Return on Equity (ROE) | 14.3397% | 919 |
| Retained earnings to average equity (ytd only) | 8.3847% | 1,254 |
| Net charge-offs to loans | 0.5979% | 1,044 |
| Credit loss provision to net charge-offs | 36.6947% | 3,771 |
| Earnings coverage of net charge-offs (x) | 5.4734% | 3,181 |
| Efficiency ratio | 65.7253% | 4,537 |
| Assets per employee ($millions) | 4.3075% | 3,211 |
| Cash dividends to net income (ytd only)* | 41.5284% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 2,712 |
| Loan loss allowance to noncurrent loans | 1,553.0120% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 4,922 |
| Noncurrent loans to loans | 0.1078% | 6,009 |
| Net loans and leases to total assets | 40.8704% | 5,972 |
| Net loans and leases to deposits | 45.9320% | 6,104 |
| Net loans and leases to core deposits | 46.9603% | 6,175 |
| Total domestic deposits to total assets | 88.9803% | 1,564 |
| Equity capital to assets | 10.5441% | 3,225 |
| Core capital (leverage) ratio | 10.7811% | 2,692 |
| Tier 1 risk-based capital ratio | 16.3860% | 2,995 |
| Total risk-based capital ratio | 17.4707% | 3,034 |
| Memoranda: | ||
| Average total assets | $178,014,750 | 3,324 |
| Average earning assets | $164,399,500 | 3,313 |
| Average equity | $19,590,750 | 3,232 |
| Average total loans | $79,609,500 | 3,980 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 2,206 |
| Cost of funding earning assets | 0.3444% | 5,456 |
| Net interest margin | 4.1542% | 1,397 |
| Noninterest income to average assets | 0.5114% | 3,763 |
| Noninterest expense to average assets | 2.8085% | 3,647 |
| Loan and lease loss provision to assets | 0.1150% | 2,889 |
| Net operating income to assets | 1.4338% | 1,013 |
| Return on assets (ROA) | 1.7391% | 634 |
| Pretax return on assets | 1.7391% | 1,042 |
| Return on Equity (ROE) | 15.5729% | 723 |
| Retained earnings to average equity (ytd only) | 8.6890% | 1,227 |
| Net charge-offs to loans | 0.8971% | 696 |
| Credit loss provision to net charge-offs | 27.9778% | 3,627 |
| Earnings coverage of net charge-offs (x) | 3.7673% | 3,306 |
| Efficiency ratio | 64.4537% | 4,795 |
| Assets per employee ($millions) | 4.0845% | 3,614 |
| Cash dividends to net income (ytd only)* | 44.2043% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 3,130 |
| Loan loss allowance to noncurrent loans | 1,512.0482% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 4,657 |
| Noncurrent loans to loans | 0.1063% | 6,076 |
| Net loans and leases to total assets | 44.7790% | 5,665 |
| Net loans and leases to deposits | 50.8150% | 5,781 |
| Net loans and leases to core deposits | 52.0550% | 5,887 |
| Total domestic deposits to total assets | 88.1216% | 2,156 |
| Equity capital to assets | 11.3397% | 2,429 |
| Core capital (leverage) ratio | 10.9816% | 2,372 |
| Tier 1 risk-based capital ratio | 15.7901% | 3,321 |
| Total risk-based capital ratio | 16.8281% | 3,391 |
| Memoranda: | ||
| Average total assets | $175,612,330 | 3,366 |
| Average earning assets | $162,581,670 | 3,352 |
| Average equity | $19,611,000 | 3,247 |
| Average total loans | $80,482,670 | 3,972 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 2,572 |
| Cost of funding earning assets | 0.3471% | 5,564 |
| Net interest margin | 4.0391% | 1,650 |
| Noninterest income to average assets | 0.4931% | 3,819 |
| Noninterest expense to average assets | 2.8596% | 3,507 |
| Loan and lease loss provision to assets | 0.1599% | 2,276 |
| Net operating income to assets | 1.2204% | 1,476 |
| Return on assets (ROA) | 1.5109% | 916 |
| Pretax return on assets | 1.5109% | 1,532 |
| Return on Equity (ROE) | 13.6313% | 1,027 |
| Retained earnings to average equity (ytd only) | 4.9975% | 3,233 |
| Net charge-offs to loans | 1.0038% | 606 |
| Credit loss provision to net charge-offs | 34.6341% | 2,818 |
| Earnings coverage of net charge-offs (x) | 2.9902% | 2,880 |
| Efficiency ratio | 67.4456% | 4,424 |
| Assets per employee ($millions) | 4.1148% | 3,711 |
| Cash dividends to net income (ytd only)* | 63.3383% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,966 |
| Loan loss allowance to noncurrent loans | 2,301.6667% | 232 |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 2,415 |
| Noncurrent loans to loans | 0.0743% | 6,259 |
| Net loans and leases to total assets | 44.8786% | 5,566 |
| Net loans and leases to deposits | 50.9186% | 5,718 |
| Net loans and leases to core deposits | 52.1375% | 5,813 |
| Total domestic deposits to total assets | 88.1380% | 2,234 |
| Equity capital to assets | 11.2567% | 2,670 |
| Core capital (leverage) ratio | 10.6117% | 2,642 |
| Tier 1 risk-based capital ratio | 14.7521% | 3,997 |
| Total risk-based capital ratio | 15.8542% | 4,066 |
| Memoranda: | ||
| Average total assets | $177,645,000 | 3,378 |
| Average earning assets | $164,788,000 | 3,361 |
| Average equity | $19,690,000 | 3,283 |
| Average total loans | $81,688,000 | 3,967 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 3,299 |
| Cost of funding earning assets | 0.4041% | 5,890 |
| Net interest margin | 4.1212% | 1,918 |
| Noninterest income to average assets | 0.3733% | 4,810 |
| Noninterest expense to average assets | 2.7593% | 4,184 |
| Loan and lease loss provision to assets | 0.0698% | 4,873 |
| Net operating income to assets | 1.3803% | 1,128 |
| Return on assets (ROA) | 1.4954% | 1,020 |
| Pretax return on assets | 1.4954% | 1,690 |
| Return on Equity (ROE) | 14.2873% | 939 |
| Retained earnings to average equity (ytd only) | 9.7045% | 655 |
| Net charge-offs to loans | 0.0054% | 5,891 |
| Credit loss provision to net charge-offs | 3,000.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 623.5000% | 66 |
| Efficiency ratio | 65.5525% | 4,591 |
| Assets per employee ($millions) | 4.2465% | 3,471 |
| Cash dividends to net income (ytd only)* | 32.0762% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 2,485 |
| Loan loss allowance to noncurrent loans | 68.3973% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.9422% | 2,519 |
| Noncurrent loans to loans | 2.6820% | 1,971 |
| Net loans and leases to total assets | 45.4565% | 5,674 |
| Net loans and leases to deposits | 51.1954% | 5,873 |
| Net loans and leases to core deposits | 53.9504% | 5,879 |
| Total domestic deposits to total assets | 88.7903% | 1,706 |
| Equity capital to assets | 10.9125% | 3,055 |
| Core capital (leverage) ratio | 10.3362% | 2,965 |
| Tier 1 risk-based capital ratio | 14.2177% | 4,231 |
| Total risk-based capital ratio | 15.3986% | 4,234 |
| Memoranda: | ||
| Average total assets | $171,997,800 | 3,423 |
| Average earning assets | $160,099,800 | 3,376 |
| Average equity | $18,002,000 | 3,466 |
| Average total loans | $74,147,600 | 4,204 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 3,453 |
| Cost of funding earning assets | 0.4154% | 6,024 |
| Net interest margin | 4.1277% | 1,989 |
| Noninterest income to average assets | 0.3779% | 4,799 |
| Noninterest expense to average assets | 2.8652% | 3,733 |
| Loan and lease loss provision to assets | 0.0704% | 4,787 |
| Net operating income to assets | 1.2832% | 1,487 |
| Return on assets (ROA) | 1.3481% | 1,477 |
| Pretax return on assets | 1.3481% | 2,418 |
| Return on Equity (ROE) | 13.0255% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.9227% | 1,646 |
| Net charge-offs to loans | 0.0074% | 5,629 |
| Credit loss provision to net charge-offs | 2,250.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 432.7598% | 105 |
| Efficiency ratio | 67.9154% | 4,082 |
| Assets per employee ($millions) | 4.3456% | 3,171 |
| Cash dividends to net income (ytd only)* | 39.1759% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0300% | 2,083 |
| Loan loss allowance to noncurrent loans | 72.6872% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.8656% | 2,838 |
| Noncurrent loans to loans | 2.7928% | 2,014 |
| Net loans and leases to total assets | 40.2245% | 6,262 |
| Net loans and leases to deposits | 45.2518% | 6,439 |
| Net loans and leases to core deposits | 46.2777% | 6,503 |
| Total domestic deposits to total assets | 88.8904% | 1,490 |
| Equity capital to assets | 10.4731% | 3,876 |
| Core capital (leverage) ratio | 10.0439% | 3,482 |
| Tier 1 risk-based capital ratio | 14.5645% | 4,145 |
| Total risk-based capital ratio | 15.7976% | 4,118 |
| Memoranda: | ||
| Average total assets | $170,408,500 | 3,479 |
| Average earning assets | $158,566,250 | 3,436 |
| Average equity | $17,636,750 | 3,553 |
| Average total loans | $72,037,250 | 4,321 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 3,192 |
| Cost of funding earning assets | 0.4413% | 6,025 |
| Net interest margin | 4.1971% | 1,762 |
| Noninterest income to average assets | 0.3706% | 4,867 |
| Noninterest expense to average assets | 2.8256% | 3,920 |
| Loan and lease loss provision to assets | 0.0715% | 4,735 |
| Net operating income to assets | 1.3729% | 1,250 |
| Return on assets (ROA) | 1.3860% | 1,363 |
| Pretax return on assets | 1.3860% | 2,253 |
| Return on Equity (ROE) | 13.4485% | 1,245 |
| Retained earnings to average equity (ytd only) | 6.7994% | 2,216 |
| Net charge-offs to loans | 0.0112% | 5,296 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 142 |
| Efficiency ratio | 66.1736% | 4,503 |
| Assets per employee ($millions) | 4.2433% | 3,374 |
| Cash dividends to net income (ytd only)* | 49.4411% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 2,181 |
| Loan loss allowance to noncurrent loans | 70.3919% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.9643% | 2,825 |
| Noncurrent loans to loans | 2.8680% | 2,090 |
| Net loans and leases to total assets | 41.6044% | 6,216 |
| Net loans and leases to deposits | 46.8145% | 6,383 |
| Net loans and leases to core deposits | 50.0429% | 6,340 |
| Total domestic deposits to total assets | 88.8707% | 1,590 |
| Equity capital to assets | 10.5266% | 3,656 |
| Core capital (leverage) ratio | 10.1142% | 3,252 |
| Tier 1 risk-based capital ratio | 14.8424% | 3,865 |
| Total risk-based capital ratio | 16.0928% | 3,824 |
| Memoranda: | ||
| Average total assets | $167,821,330 | 3,537 |
| Average earning assets | $155,917,330 | 3,498 |
| Average equity | $17,295,670 | 3,600 |
| Average total loans | $71,665,330 | 4,365 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 3,319 |
| Cost of funding earning assets | 0.4724% | 6,000 |
| Net interest margin | 4.1660% | 1,864 |
| Noninterest income to average assets | 0.3596% | 5,001 |
| Noninterest expense to average assets | 2.7831% | 4,111 |
| Loan and lease loss provision to assets | 0.0719% | 4,503 |
| Net operating income to assets | 1.3736% | 1,269 |
| Return on assets (ROA) | 1.3736% | 1,420 |
| Pretax return on assets | 1.3736% | 2,272 |
| Return on Equity (ROE) | 13.4744% | 1,294 |
| Retained earnings to average equity (ytd only) | 6.4198% | 2,725 |
| Net charge-offs to loans | 0.0224% | 4,370 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 150.7500% | 241 |
| Efficiency ratio | 65.8163% | 4,594 |
| Assets per employee ($millions) | 4.2256% | 3,528 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 2,358 |
| Loan loss allowance to noncurrent loans | 1,071.4286% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 4,871 |
| Noncurrent loans to loans | 0.1865% | 6,311 |
| Net loans and leases to total assets | 41.3461% | 6,243 |
| Net loans and leases to deposits | 46.3155% | 6,406 |
| Net loans and leases to core deposits | 47.5398% | 6,481 |
| Total domestic deposits to total assets | 89.2706% | 1,501 |
| Equity capital to assets | 10.4241% | 3,589 |
| Core capital (leverage) ratio | 10.1253% | 3,209 |
| Tier 1 risk-based capital ratio | 14.6104% | 4,013 |
| Total risk-based capital ratio | 15.8522% | 3,977 |
| Memoranda: | ||
| Average total assets | $166,866,000 | 3,570 |
| Average earning assets | $154,967,000 | 3,533 |
| Average equity | $17,010,000 | 3,649 |
| Average total loans | $71,462,500 | 4,401 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 2,517 |
| Cost of funding earning assets | 0.6931% | 5,587 |
| Net interest margin | 4.3900% | 1,416 |
| Noninterest income to average assets | 0.3427% | 5,077 |
| Noninterest expense to average assets | 3.0263% | 3,495 |
| Loan and lease loss provision to assets | 0.0726% | 5,704 |
| Net operating income to assets | 1.3134% | 1,208 |
| Return on assets (ROA) | 1.3879% | 1,137 |
| Pretax return on assets | 1.3879% | 1,816 |
| Return on Equity (ROE) | 15.4609% | 682 |
| Retained earnings to average equity (ytd only) | 10.7502% | 438 |
| Net charge-offs to loans | 0.0265% | 6,063 |
| Credit loss provision to net charge-offs | 605.2632% | 368 |
| Earnings coverage of net charge-offs (x) | 115.5789% | 281 |
| Efficiency ratio | 68.5882% | 4,234 |
| Assets per employee ($millions) | 4.1178% | 3,615 |
| Cash dividends to net income (ytd only)* | 30.4684% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 2,412 |
| Loan loss allowance to noncurrent loans | 1,358.2524% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 4,956 |
| Noncurrent loans to loans | 0.1438% | 6,452 |
| Net loans and leases to total assets | 42.6307% | 6,328 |
| Net loans and leases to deposits | 47.5777% | 6,526 |
| Net loans and leases to core deposits | 48.9051% | 6,596 |
| Total domestic deposits to total assets | 89.6023% | 1,201 |
| Equity capital to assets | 9.9575% | 4,216 |
| Core capital (leverage) ratio | 9.7318% | 3,698 |
| Tier 1 risk-based capital ratio | 15.0435% | 3,614 |
| Total risk-based capital ratio | 16.2922% | 3,573 |
| Memoranda: | ||
| Average total assets | $158,444,000 | 3,649 |
| Average earning assets | $146,878,200 | 3,627 |
| Average equity | $14,223,000 | 4,066 |
| Average total loans | $71,653,400 | 4,424 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 2,382 |
| Cost of funding earning assets | 0.7378% | 5,541 |
| Net interest margin | 4.4142% | 1,367 |
| Noninterest income to average assets | 0.3425% | 5,121 |
| Noninterest expense to average assets | 2.9245% | 3,821 |
| Loan and lease loss provision to assets | 0.0255% | 6,133 |
| Net operating income to assets | 1.4856% | 970 |
| Return on assets (ROA) | 1.5859% | 865 |
| Pretax return on assets | 1.5859% | 1,423 |
| Return on Equity (ROE) | 18.1887% | 439 |
| Retained earnings to average equity (ytd only) | 13.1200% | 369 |
| Net charge-offs to loans | -0.0521% | 7,057 |
| Credit loss provision to net charge-offs | -107.1429% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9322% | 4,736 |
| Assets per employee ($millions) | 4.1832% | 3,480 |
| Cash dividends to net income (ytd only)* | 27.8672% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8916% | 2,637 |
| Loan loss allowance to noncurrent loans | 834.9693% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 5,036 |
| Noncurrent loans to loans | 0.2265% | 6,420 |
| Net loans and leases to total assets | 41.1565% | 6,549 |
| Net loans and leases to deposits | 44.9834% | 6,792 |
| Net loans and leases to core deposits | 46.2954% | 6,834 |
| Total domestic deposits to total assets | 91.4927% | 299 |
| Equity capital to assets | 8.0158% | 6,687 |
| Core capital (leverage) ratio | 7.8885% | 6,496 |
| Tier 1 risk-based capital ratio | 12.1801% | 5,756 |
| Total risk-based capital ratio | 13.4090% | 5,765 |
| Memoranda: | ||
| Average total assets | $156,877,500 | 3,708 |
| Average earning assets | $145,465,250 | 3,672 |
| Average equity | $13,678,500 | 4,195 |
| Average total loans | $71,662,750 | 4,470 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3186% | 1,826 |
| Cost of funding earning assets | 0.7938% | 5,416 |
| Net interest margin | 4.5248% | 1,070 |
| Noninterest income to average assets | 0.3592% | 5,013 |
| Noninterest expense to average assets | 2.9895% | 3,684 |
| Loan and lease loss provision to assets | 0.0395% | 5,818 |
| Net operating income to assets | 1.5079% | 872 |
| Return on assets (ROA) | 1.6618% | 691 |
| Pretax return on assets | 1.6618% | 1,129 |
| Return on Equity (ROE) | 18.4983% | 420 |
| Retained earnings to average equity (ytd only) | 15.2761% | 229 |
| Net charge-offs to loans | -0.0782% | 7,112 |
| Credit loss provision to net charge-offs | -107.1429% | 6,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8933% | 4,892 |
| Assets per employee ($millions) | 3.9566% | 3,849 |
| Cash dividends to net income (ytd only)* | 17.4188% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 2,650 |
| Loan loss allowance to noncurrent loans | 62.4885% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.2582% | 2,905 |
| Noncurrent loans to loans | 3.0496% | 2,371 |
| Net loans and leases to total assets | 44.2669% | 6,416 |
| Net loans and leases to deposits | 49.1580% | 6,658 |
| Net loans and leases to core deposits | 50.9324% | 6,714 |
| Total domestic deposits to total assets | 90.0502% | 951 |
| Equity capital to assets | 9.0361% | 5,530 |
| Core capital (leverage) ratio | 8.4294% | 5,665 |
| Tier 1 risk-based capital ratio | 12.7013% | 5,177 |
| Total risk-based capital ratio | 13.9525% | 5,147 |
| Memoranda: | ||
| Average total assets | $151,999,670 | 3,815 |
| Average earning assets | $140,337,670 | 3,787 |
| Average equity | $13,655,330 | 4,186 |
| Average total loans | $71,567,330 | 4,516 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 1,306 |
| Cost of funding earning assets | 0.8491% | 5,278 |
| Net interest margin | 4.6482% | 786 |
| Noninterest income to average assets | 0.3627% | 5,013 |
| Noninterest expense to average assets | 3.0793% | 3,339 |
| Loan and lease loss provision to assets | 0.0806% | 4,999 |
| Net operating income to assets | 1.4832% | 899 |
| Return on assets (ROA) | 1.7331% | 579 |
| Pretax return on assets | 1.7331% | 921 |
| Return on Equity (ROE) | 19.3512% | 374 |
| Retained earnings to average equity (ytd only) | 19.3512% | 184 |
| Net charge-offs to loans | -0.0056% | 6,256 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3194% | 4,982 |
| Assets per employee ($millions) | 3.7912% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 2,852 |
| Loan loss allowance to noncurrent loans | 56.1921% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.4834% | 2,748 |
| Noncurrent loans to loans | 3.2954% | 2,284 |
| Net loans and leases to total assets | 46.6248% | 6,225 |
| Net loans and leases to deposits | 51.8540% | 6,487 |
| Net loans and leases to core deposits | 53.6953% | 6,572 |
| Total domestic deposits to total assets | 89.9155% | 1,200 |
| Equity capital to assets | 9.0248% | 5,168 |
| Core capital (leverage) ratio | 8.4549% | 5,539 |
| Tier 1 risk-based capital ratio | 12.7584% | 5,005 |
| Total risk-based capital ratio | 14.0094% | 4,988 |
| Memoranda: | ||
| Average total assets | $148,867,000 | 3,897 |
| Average earning assets | $137,085,000 | 3,876 |
| Average equity | $13,332,500 | 4,256 |
| Average total loans | $71,641,000 | 4,553 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7978% | 1,282 |
| Cost of funding earning assets | 1.0521% | 5,422 |
| Net interest margin | 4.7457% | 741 |
| Noninterest income to average assets | 0.4367% | 4,621 |
| Noninterest expense to average assets | 3.4274% | 2,361 |
| Loan and lease loss provision to assets | 0.3150% | 4,285 |
| Net operating income to assets | 1.0695% | 1,805 |
| Return on assets (ROA) | 1.2620% | 1,330 |
| Pretax return on assets | 1.2620% | 2,036 |
| Return on Equity (ROE) | 14.2755% | 836 |
| Retained earnings to average equity (ytd only) | 10.6318% | 423 |
| Net charge-offs to loans | 0.3547% | 4,247 |
| Credit loss provision to net charge-offs | 174.6032% | 1,920 |
| Earnings coverage of net charge-offs (x) | 7.6746% | 2,084 |
| Efficiency ratio | 71.2288% | 3,949 |
| Assets per employee ($millions) | 3.6521% | 4,576 |
| Cash dividends to net income (ytd only)* | 25.5247% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 2,763 |
| Loan loss allowance to noncurrent loans | 42.8618% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.6683% | 2,611 |
| Noncurrent loans to loans | 4.2671% | 1,699 |
| Net loans and leases to total assets | 47.8756% | 6,402 |
| Net loans and leases to deposits | 52.9203% | 6,680 |
| Net loans and leases to core deposits | 54.6198% | 6,778 |
| Total domestic deposits to total assets | 90.4672% | 853 |
| Equity capital to assets | 8.8846% | 5,312 |
| Core capital (leverage) ratio | 8.4088% | 5,517 |
| Tier 1 risk-based capital ratio | 12.7508% | 4,820 |
| Total risk-based capital ratio | 14.0013% | 4,788 |
| Memoranda: | ||
| Average total assets | $139,695,800 | 4,059 |
| Average earning assets | $128,790,000 | 4,045 |
| Average equity | $12,349,800 | 4,515 |
| Average total loans | $71,055,200 | 4,643 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8345% | 1,297 |
| Cost of funding earning assets | 1.0940% | 5,452 |
| Net interest margin | 4.7405% | 762 |
| Noninterest income to average assets | 0.4499% | 4,561 |
| Noninterest expense to average assets | 3.5133% | 2,008 |
| Loan and lease loss provision to assets | 0.2317% | 4,754 |
| Net operating income to assets | 1.0890% | 1,923 |
| Return on assets (ROA) | 1.2966% | 1,416 |
| Pretax return on assets | 1.2966% | 2,182 |
| Return on Equity (ROE) | 14.6862% | 915 |
| Retained earnings to average equity (ytd only) | 10.8589% | 624 |
| Net charge-offs to loans | 0.2460% | 4,463 |
| Credit loss provision to net charge-offs | 183.2061% | 1,985 |
| Earnings coverage of net charge-offs (x) | 10.4429% | 1,881 |
| Efficiency ratio | 72.6783% | 3,575 |
| Assets per employee ($millions) | 3.7115% | 4,482 |
| Cash dividends to net income (ytd only)* | 26.0614% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 3,021 |
| Loan loss allowance to noncurrent loans | 52.1739% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 3,170 |
| Noncurrent loans to loans | 3.3366% | 2,382 |
| Net loans and leases to total assets | 47.7302% | 6,545 |
| Net loans and leases to deposits | 53.2758% | 6,816 |
| Net loans and leases to core deposits | 54.8862% | 6,918 |
| Total domestic deposits to total assets | 89.5908% | 1,074 |
| Equity capital to assets | 9.1069% | 5,438 |
| Core capital (leverage) ratio | 8.3336% | 5,814 |
| Tier 1 risk-based capital ratio | 12.6731% | 4,840 |
| Total risk-based capital ratio | 13.9239% | 4,822 |
| Memoranda: | ||
| Average total assets | $138,098,500 | 4,146 |
| Average earning assets | $127,718,750 | 4,117 |
| Average equity | $12,192,500 | 4,626 |
| Average total loans | $71,008,500 | 4,716 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9141% | 1,150 |
| Cost of funding earning assets | 1.1502% | 5,401 |
| Net interest margin | 4.7639% | 705 |
| Noninterest income to average assets | 0.4636% | 4,409 |
| Noninterest expense to average assets | 3.3294% | 2,464 |
| Loan and lease loss provision to assets | 0.3532% | 3,603 |
| Net operating income to assets | 1.1701% | 1,648 |
| Return on assets (ROA) | 1.3703% | 1,217 |
| Pretax return on assets | 1.3703% | 1,901 |
| Return on Equity (ROE) | 15.6963% | 739 |
| Retained earnings to average equity (ytd only) | 11.4814% | 571 |
| Net charge-offs to loans | 0.4239% | 3,303 |
| Credit loss provision to net charge-offs | 158.9404% | 2,475 |
| Earnings coverage of net charge-offs (x) | 6.8543% | 2,396 |
| Efficiency ratio | 68.6078% | 4,457 |
| Assets per employee ($millions) | 3.5385% | 4,820 |
| Cash dividends to net income (ytd only)* | 26.8528% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,898 |
| Loan loss allowance to noncurrent loans | 43.4187% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 3.1217% | 2,268 |
| Noncurrent loans to loans | 4.0336% | 1,869 |
| Net loans and leases to total assets | 48.9442% | 6,550 |
| Net loans and leases to deposits | 54.0037% | 6,863 |
| Net loans and leases to core deposits | 55.8492% | 6,947 |
| Total domestic deposits to total assets | 90.6313% | 628 |
| Equity capital to assets | 9.1194% | 5,264 |
| Core capital (leverage) ratio | 8.4534% | 5,489 |
| Tier 1 risk-based capital ratio | 11.7928% | 5,500 |
| Total risk-based capital ratio | 13.0262% | 5,479 |
| Memoranda: | ||
| Average total assets | $135,882,330 | 4,217 |
| Average earning assets | $125,191,670 | 4,206 |
| Average equity | $11,862,670 | 4,716 |
| Average total loans | $71,240,670 | 4,746 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0572% | 870 |
| Cost of funding earning assets | 1.2037% | 5,389 |
| Net interest margin | 4.8535% | 577 |
| Noninterest income to average assets | 0.4154% | 4,771 |
| Noninterest expense to average assets | 3.3644% | 2,332 |
| Loan and lease loss provision to assets | 0.5518% | 2,293 |
| Net operating income to assets | 0.9731% | 2,292 |
| Return on assets (ROA) | 1.0414% | 2,089 |
| Pretax return on assets | 1.0414% | 2,928 |
| Return on Equity (ROE) | 12.2071% | 1,438 |
| Retained earnings to average equity (ytd only) | 8.7293% | 1,473 |
| Net charge-offs to loans | 0.1214% | 4,242 |
| Credit loss provision to net charge-offs | 845.4545% | 545 |
| Earnings coverage of net charge-offs (x) | 23.3636% | 1,054 |
| Efficiency ratio | 68.8107% | 4,551 |
| Assets per employee ($millions) | 3.4383% | 5,182 |
| Cash dividends to net income (ytd only)* | 28.4900% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,747 |
| Loan loss allowance to noncurrent loans | 45.3385% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 3.1731% | 2,258 |
| Noncurrent loans to loans | 3.9612% | 1,986 |
| Net loans and leases to total assets | 52.1545% | 6,255 |
| Net loans and leases to deposits | 57.3232% | 6,669 |
| Net loans and leases to core deposits | 59.1230% | 6,808 |
| Total domestic deposits to total assets | 90.9832% | 556 |
| Equity capital to assets | 8.7543% | 5,642 |
| Core capital (leverage) ratio | 8.2095% | 5,895 |
| Tier 1 risk-based capital ratio | 11.2987% | 5,855 |
| Total risk-based capital ratio | 12.5497% | 5,822 |
| Memoranda: | ||
| Average total assets | $134,822,500 | 4,306 |
| Average earning assets | $124,282,000 | 4,276 |
| Average equity | $11,501,500 | 4,849 |
| Average total loans | $72,487,000 | 4,765 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5791% | 571 |
| Cost of funding earning assets | 1.6652% | 4,699 |
| Net interest margin | 4.9139% | 541 |
| Noninterest income to average assets | 0.4818% | 4,550 |
| Noninterest expense to average assets | 3.0240% | 4,054 |
| Loan and lease loss provision to assets | 0.7502% | 2,859 |
| Net operating income to assets | 1.3086% | 1,014 |
| Return on assets (ROA) | 1.0843% | 1,606 |
| Pretax return on assets | 1.0843% | 2,297 |
| Return on Equity (ROE) | 13.0499% | 951 |
| Retained earnings to average equity (ytd only) | 6.2550% | 1,248 |
| Net charge-offs to loans | 1.1437% | 2,137 |
| Credit loss provision to net charge-offs | 114.7929% | 4,765 |
| Earnings coverage of net charge-offs (x) | 3.1503% | 3,484 |
| Efficiency ratio | 59.4948% | 6,559 |
| Assets per employee ($millions) | 3.6635% | 4,615 |
| Cash dividends to net income (ytd only)* | 52.0685% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 3,658 |
| Loan loss allowance to noncurrent loans | 44.2109% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.4426% | 2,848 |
| Noncurrent loans to loans | 3.4192% | 2,234 |
| Net loans and leases to total assets | 53.5916% | 6,232 |
| Net loans and leases to deposits | 59.2263% | 6,686 |
| Net loans and leases to core deposits | 70.4379% | 6,739 |
| Total domestic deposits to total assets | 90.4862% | 747 |
| Equity capital to assets | 8.3098% | 6,183 |
| Core capital (leverage) ratio | 8.0010% | 6,192 |
| Tier 1 risk-based capital ratio | 10.4102% | 6,487 |
| Total risk-based capital ratio | 11.4819% | 6,622 |
| Memoranda: | ||
| Average total assets | $129,299,800 | 4,350 |
| Average earning assets | $121,065,200 | 4,290 |
| Average equity | $10,743,400 | 5,092 |
| Average total loans | $73,883,600 | 4,734 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6433% | 568 |
| Cost of funding earning assets | 1.7642% | 4,563 |
| Net interest margin | 4.8791% | 580 |
| Noninterest income to average assets | 0.5167% | 4,349 |
| Noninterest expense to average assets | 2.9779% | 4,127 |
| Loan and lease loss provision to assets | 0.3444% | 4,258 |
| Net operating income to assets | 1.7755% | 476 |
| Return on assets (ROA) | 1.4352% | 1,018 |
| Pretax return on assets | 1.4352% | 1,607 |
| Return on Equity (ROE) | 17.2736% | 521 |
| Retained earnings to average equity (ytd only) | 8.1029% | 1,108 |
| Net charge-offs to loans | 0.0487% | 6,234 |
| Credit loss provision to net charge-offs | 1,222.2222% | 311 |
| Earnings coverage of net charge-offs (x) | 75.2203% | 453 |
| Efficiency ratio | 58.4152% | 6,661 |
| Assets per employee ($millions) | 3.6438% | 4,560 |
| Cash dividends to net income (ytd only)* | 53.0909% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 2,386 |
| Loan loss allowance to noncurrent loans | 34.3609% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 3.6508% | 1,797 |
| Noncurrent loans to loans | 5.1487% | 1,256 |
| Net loans and leases to total assets | 53.2521% | 6,466 |
| Net loans and leases to deposits | 58.3388% | 6,945 |
| Net loans and leases to core deposits | 73.4774% | 6,758 |
| Total domestic deposits to total assets | 91.2809% | 308 |
| Equity capital to assets | 8.5018% | 6,251 |
| Core capital (leverage) ratio | 8.0720% | 6,234 |
| Tier 1 risk-based capital ratio | 10.5548% | 6,412 |
| Total risk-based capital ratio | 11.8053% | 6,369 |
| Memoranda: | ||
| Average total assets | $127,737,000 | 4,411 |
| Average earning assets | $119,937,250 | 4,347 |
| Average equity | $10,613,250 | 5,162 |
| Average total loans | $73,914,750 | 4,777 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7913% | 459 |
| Cost of funding earning assets | 1.8909% | 4,312 |
| Net interest margin | 4.9004% | 537 |
| Noninterest income to average assets | 0.6030% | 3,665 |
| Noninterest expense to average assets | 2.9830% | 4,149 |
| Loan and lease loss provision to assets | 0.2871% | 4,281 |
| Net operating income to assets | 1.9382% | 344 |
| Return on assets (ROA) | 1.9222% | 386 |
| Pretax return on assets | 1.9222% | 664 |
| Return on Equity (ROE) | 23.3294% | 183 |
| Retained earnings to average equity (ytd only) | 13.0683% | 324 |
| Net charge-offs to loans | 0.0728% | 5,488 |
| Credit loss provision to net charge-offs | 666.6667% | 697 |
| Earnings coverage of net charge-offs (x) | 51.6667% | 670 |
| Efficiency ratio | 57.2741% | 6,962 |
| Assets per employee ($millions) | 3.4499% | 4,948 |
| Cash dividends to net income (ytd only)* | 43.9834% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 2,887 |
| Loan loss allowance to noncurrent loans | 29.0544% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 3.1611% | 1,986 |
| Noncurrent loans to loans | 5.3927% | 1,084 |
| Net loans and leases to total assets | 56.2544% | 6,181 |
| Net loans and leases to deposits | 61.6946% | 6,754 |
| Net loans and leases to core deposits | 78.6478% | 6,505 |
| Total domestic deposits to total assets | 91.1819% | 410 |
| Equity capital to assets | 8.5885% | 5,916 |
| Core capital (leverage) ratio | 8.5430% | 5,368 |
| Tier 1 risk-based capital ratio | 11.4054% | 5,492 |
| Total risk-based capital ratio | 12.6087% | 5,449 |
| Memoranda: | ||
| Average total assets | $125,376,330 | 4,495 |
| Average earning assets | $117,827,330 | 4,418 |
| Average equity | $10,330,330 | 5,274 |
| Average total loans | $74,190,670 | 4,805 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8893% | 415 |
| Cost of funding earning assets | 2.0233% | 4,019 |
| Net interest margin | 4.8661% | 534 |
| Noninterest income to average assets | 0.5409% | 3,990 |
| Noninterest expense to average assets | 2.8557% | 4,320 |
| Loan and lease loss provision to assets | 0.2898% | 3,636 |
| Net operating income to assets | 1.9639% | 371 |
| Return on assets (ROA) | 2.2344% | 252 |
| Pretax return on assets | 2.2344% | 409 |
| Return on Equity (ROE) | 27.7212% | 132 |
| Retained earnings to average equity (ytd only) | 15.7380% | 361 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8916% | 6,984 |
| Assets per employee ($millions) | 3.4752% | 4,878 |
| Cash dividends to net income (ytd only)* | 43.2277% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 3,395 |
| Loan loss allowance to noncurrent loans | 44.5912% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 2.0167% | 2,879 |
| Noncurrent loans to loans | 3.1835% | 2,035 |
| Net loans and leases to total assets | 59.9484% | 5,662 |
| Net loans and leases to deposits | 66.4967% | 6,330 |
| Net loans and leases to core deposits | 85.4836% | 5,951 |
| Total domestic deposits to total assets | 90.1524% | 729 |
| Equity capital to assets | 8.0692% | 6,711 |
| Core capital (leverage) ratio | 8.3933% | 5,723 |
| Tier 1 risk-based capital ratio | 10.9536% | 5,939 |
| Total risk-based capital ratio | 12.0838% | 5,967 |
| Memoranda: | ||
| Average total assets | $124,241,000 | 4,535 |
| Average earning assets | $116,644,000 | 4,468 |
| Average equity | $10,014,000 | 5,383 |
| Average total loans | $74,811,000 | 4,815 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2588% | 648 |
| Cost of funding earning assets | 2.5866% | 3,748 |
| Net interest margin | 4.6722% | 1,023 |
| Noninterest income to average assets | 0.3684% | 5,758 |
| Noninterest expense to average assets | 3.1479% | 3,523 |
| Loan and lease loss provision to assets | 0.3358% | 3,704 |
| Net operating income to assets | 1.2432% | 1,645 |
| Return on assets (ROA) | 0.6470% | 3,970 |
| Pretax return on assets | 0.6470% | 4,558 |
| Return on Equity (ROE) | 7.1119% | 3,467 |
| Retained earnings to average equity (ytd only) | 3.8702% | 2,718 |
| Net charge-offs to loans | 0.1994% | 4,198 |
| Credit loss provision to net charge-offs | 266.1871% | 1,742 |
| Earnings coverage of net charge-offs (x) | 12.5180% | 2,233 |
| Efficiency ratio | 66.5963% | 5,005 |
| Assets per employee ($millions) | 3.5250% | 4,604 |
| Cash dividends to net income (ytd only)* | 45.5820% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 3,499 |
| Loan loss allowance to noncurrent loans | 42.6173% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 1.9647% | 2,503 |
| Noncurrent loans to loans | 3.1587% | 1,674 |
| Net loans and leases to total assets | 58.8064% | 6,089 |
| Net loans and leases to deposits | 64.1075% | 6,784 |
| Net loans and leases to core deposits | 82.1442% | 6,451 |
| Total domestic deposits to total assets | 91.7310% | 172 |
| Equity capital to assets | 8.0510% | 6,777 |
| Core capital (leverage) ratio | 8.3046% | 5,941 |
| Tier 1 risk-based capital ratio | 10.8132% | 5,900 |
| Total risk-based capital ratio | 11.8759% | 5,968 |
| Memoranda: | ||
| Average total assets | $110,200,800 | 4,775 |
| Average earning assets | $102,799,600 | 4,719 |
| Average equity | $10,025,400 | 5,404 |
| Average total loans | $69,695,000 | 4,882 |