Home > Bank of Commerce > Performance and Condition Ratios
Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9183% | 704 |
| Cost of funding earning assets | 0.4139% | 4,277 |
| Net interest margin | 5.5044% | 185 |
| Noninterest income to average assets | 1.2700% | 469 |
| Noninterest expense to average assets | 3.6321% | 488 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.7956% | 617 |
| Return on assets (ROA) | 1.7956% | 594 |
| Pretax return on assets | 2.4480% | 354 |
| Return on Equity (ROE) | 18.5300% | 753 |
| Retained earnings to average equity (ytd only) | 2.5000% | 3,443 |
| Net charge-offs to loans | 0.0460% | 1,424 |
| Credit loss provision to net charge-offs | 847.4576% | 467 |
| Earnings coverage of net charge-offs (x) | 88.6102% | 963 |
| Efficiency ratio | 57.2980% | 3,367 |
| Assets per employee ($millions) | 3.9143% | 4,188 |
| Cash dividends to net income (ytd only)* | 86.5052% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 696 |
| Loan loss allowance to noncurrent loans | 18,083.3333% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,759 |
| Noncurrent loans to loans | 0.0093% | 3,703 |
| Net loans and leases to total assets | 66.2100% | 2,238 |
| Net loans and leases to deposits | 75.4590% | 2,507 |
| Net loans and leases to core deposits | 79.4083% | 2,744 |
| Total domestic deposits to total assets | 87.7400% | 1,441 |
| Equity capital to assets | 10.0661% | 1,967 |
| Core capital (leverage) ratio | 11.3672% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1529% | 1,056 |
| Memoranda: | ||
| Average total assets | $193,138,200 | 3,030 |
| Average earning assets | $177,803,200 | 3,028 |
| Average equity | $18,719,800 | 2,962 |
| Average total loans | $128,259,800 | 2,868 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7912% | 702 |
| Cost of funding earning assets | 0.3919% | 4,270 |
| Net interest margin | 5.3993% | 199 |
| Noninterest income to average assets | 1.3100% | 455 |
| Noninterest expense to average assets | 3.4905% | 561 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.7945% | 678 |
| Return on assets (ROA) | 1.7945% | 669 |
| Pretax return on assets | 2.4768% | 387 |
| Return on Equity (ROE) | 18.6900% | 856 |
| Retained earnings to average equity (ytd only) | 7.9253% | 1,995 |
| Net charge-offs to loans | -0.0073% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.7574% | 3,417 |
| Assets per employee ($millions) | 3.7654% | 4,252 |
| Cash dividends to net income (ytd only)* | 57.6037% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 717 |
| Loan loss allowance to noncurrent loans | 1,728.8000% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,170 |
| Noncurrent loans to loans | 0.0977% | 3,091 |
| Net loans and leases to total assets | 66.8100% | 2,174 |
| Net loans and leases to deposits | 76.0173% | 2,412 |
| Net loans and leases to core deposits | 79.4285% | 2,643 |
| Total domestic deposits to total assets | 87.8800% | 1,618 |
| Equity capital to assets | 10.0361% | 1,814 |
| Core capital (leverage) ratio | 11.5355% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7885% | 975 |
| Memoranda: | ||
| Average total assets | $193,472,000 | 3,035 |
| Average earning assets | $177,229,750 | 3,038 |
| Average equity | $18,573,000 | 2,961 |
| Average total loans | $128,034,000 | 2,877 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 650 |
| Cost of funding earning assets | 0.3590% | 4,052 |
| Net interest margin | 5.1117% | 251 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 3.7869% | 415 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.3849% | 1,447 |
| Return on assets (ROA) | 1.3849% | 1,419 |
| Pretax return on assets | 1.8996% | 909 |
| Return on Equity (ROE) | 14.3700% | 1,698 |
| Retained earnings to average equity (ytd only) | 14.3677% | 892 |
| Net charge-offs to loans | 0.0564% | 808 |
| Credit loss provision to net charge-offs | 694.4444% | 458 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,044 |
| Efficiency ratio | 63.6996% | 2,498 |
| Assets per employee ($millions) | 3.2997% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 1,501 |
| Loan loss allowance to noncurrent loans | 1,480.6452% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,145 |
| Noncurrent loans to loans | 0.0966% | 3,061 |
| Net loans and leases to total assets | 66.1100% | 2,047 |
| Net loans and leases to deposits | 75.0289% | 2,210 |
| Net loans and leases to core deposits | 78.0083% | 2,389 |
| Total domestic deposits to total assets | 88.1100% | 1,894 |
| Equity capital to assets | 9.9419% | 1,851 |
| Core capital (leverage) ratio | 11.0591% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1783% | 1,130 |
| Memoranda: | ||
| Average total assets | $193,511,000 | 3,079 |
| Average earning assets | $177,162,500 | 3,081 |
| Average equity | $18,653,000 | 3,009 |
| Average total loans | $127,577,000 | 2,909 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 591 |
| Cost of funding earning assets | 0.3301% | 2,628 |
| Net interest margin | 4.2913% | 434 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 3.2522% | 674 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1633% | 1,921 |
| Return on assets (ROA) | 1.1633% | 1,852 |
| Pretax return on assets | 1.5460% | 1,307 |
| Return on Equity (ROE) | 12.5300% | 1,960 |
| Retained earnings to average equity (ytd only) | 1.7515% | 4,028 |
| Net charge-offs to loans | 0.0269% | 1,520 |
| Credit loss provision to net charge-offs | 531.2500% | 652 |
| Earnings coverage of net charge-offs (x) | 101.8750% | 965 |
| Efficiency ratio | 66.5984% | 2,132 |
| Assets per employee ($millions) | 3.7623% | 4,360 |
| Cash dividends to net income (ytd only)* | 86.0215% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 1,635 |
| Loan loss allowance to noncurrent loans | 1,101.2739% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 1,606 |
| Noncurrent loans to loans | 0.1238% | 2,899 |
| Net loans and leases to total assets | 63.9300% | 2,250 |
| Net loans and leases to deposits | 71.9348% | 2,412 |
| Net loans and leases to core deposits | 74.8290% | 2,508 |
| Total domestic deposits to total assets | 88.8700% | 1,754 |
| Equity capital to assets | 9.3431% | 2,115 |
| Core capital (leverage) ratio | 10.5871% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2637% | 1,300 |
| Memoranda: | ||
| Average total assets | $199,867,200 | 3,045 |
| Average earning assets | $183,883,800 | 3,043 |
| Average equity | $18,555,400 | 3,071 |
| Average total loans | $119,150,200 | 2,928 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 620 |
| Cost of funding earning assets | 0.3173% | 1,991 |
| Net interest margin | 4.0526% | 575 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 3.1394% | 739 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1002% | 2,096 |
| Return on assets (ROA) | 1.1002% | 2,062 |
| Pretax return on assets | 1.4440% | 1,585 |
| Return on Equity (ROE) | 11.8700% | 2,078 |
| Retained earnings to average equity (ytd only) | -2.4483% | 4,515 |
| Net charge-offs to loans | 0.0466% | 1,019 |
| Credit loss provision to net charge-offs | 109.7561% | 1,274 |
| Earnings coverage of net charge-offs (x) | 54.1707% | 1,240 |
| Efficiency ratio | 68.0524% | 2,019 |
| Assets per employee ($millions) | 3.6736% | 4,438 |
| Cash dividends to net income (ytd only)* | 120.6273% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 1,986 |
| Loan loss allowance to noncurrent loans | 645.3441% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 1,531 |
| Noncurrent loans to loans | 0.2029% | 2,589 |
| Net loans and leases to total assets | 60.5500% | 2,442 |
| Net loans and leases to deposits | 67.6495% | 2,566 |
| Net loans and leases to core deposits | 72.0209% | 2,482 |
| Total domestic deposits to total assets | 89.5100% | 1,870 |
| Equity capital to assets | 8.9029% | 2,281 |
| Core capital (leverage) ratio | 10.1329% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3601% | 1,321 |
| Memoranda: | ||
| Average total assets | $200,923,750 | 3,059 |
| Average earning assets | $185,291,250 | 3,057 |
| Average equity | $18,624,500 | 3,105 |
| Average total loans | $117,236,500 | 2,957 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 640 |
| Cost of funding earning assets | 0.2867% | 1,831 |
| Net interest margin | 3.9087% | 593 |
| Noninterest income to average assets | 0.8495% | 943 |
| Noninterest expense to average assets | 3.0668% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0636% | 1,922 |
| Return on assets (ROA) | 1.0636% | 1,894 |
| Pretax return on assets | 1.3907% | 1,465 |
| Return on Equity (ROE) | 11.3271% | 1,883 |
| Retained earnings to average equity (ytd only) | -9.7859% | 4,658 |
| Net charge-offs to loans | 0.0242% | 1,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 100.2143% | 812 |
| Efficiency ratio | 68.8014% | 2,128 |
| Assets per employee ($millions) | 3.6986% | 4,491 |
| Cash dividends to net income (ytd only)* | 186.3933% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 1,941 |
| Loan loss allowance to noncurrent loans | 719.1781% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 1,655 |
| Noncurrent loans to loans | 0.1883% | 2,763 |
| Net loans and leases to total assets | 56.3941% | 2,708 |
| Net loans and leases to deposits | 62.7619% | 2,832 |
| Net loans and leases to core deposits | 67.9714% | 2,658 |
| Total domestic deposits to total assets | 89.8541% | 1,771 |
| Equity capital to assets | 8.7021% | 2,612 |
| Core capital (leverage) ratio | 9.7552% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4447% | 1,313 |
| Memoranda: | ||
| Average total assets | $201,773,667 | 3,086 |
| Average earning assets | $186,249,333 | 3,093 |
| Average equity | $18,945,667 | 3,156 |
| Average total loans | $115,745,667 | 2,994 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 624 |
| Cost of funding earning assets | 0.2785% | 1,835 |
| Net interest margin | 3.8315% | 600 |
| Noninterest income to average assets | 0.7902% | 1,068 |
| Noninterest expense to average assets | 2.9978% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0072% | 1,852 |
| Return on assets (ROA) | 1.0072% | 1,846 |
| Pretax return on assets | 1.3257% | 1,440 |
| Return on Equity (ROE) | 10.3437% | 1,844 |
| Retained earnings to average equity (ytd only) | -30.5404% | 4,747 |
| Net charge-offs to loans | 0.0416% | 865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 883 |
| Efficiency ratio | 69.3370% | 2,326 |
| Assets per employee ($millions) | 3.5123% | 4,556 |
| Cash dividends to net income (ytd only)* | 395.2569% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 2,050 |
| Loan loss allowance to noncurrent loans | 1,095.1389% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 1,909 |
| Noncurrent loans to loans | 0.1246% | 3,198 |
| Net loans and leases to total assets | 55.9543% | 2,533 |
| Net loans and leases to deposits | 63.2340% | 2,600 |
| Net loans and leases to core deposits | 69.0149% | 2,372 |
| Total domestic deposits to total assets | 88.4876% | 2,301 |
| Equity capital to assets | 8.9534% | 2,753 |
| Core capital (leverage) ratio | 9.4982% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3939% | 1,403 |
| Memoranda: | ||
| Average total assets | $200,949,500 | 3,095 |
| Average earning assets | $185,304,000 | 3,106 |
| Average equity | $19,567,500 | 3,179 |
| Average total loans | $115,472,000 | 2,994 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 599 |
| Cost of funding earning assets | 0.3506% | 1,932 |
| Net interest margin | 4.1594% | 530 |
| Noninterest income to average assets | 0.8190% | 1,405 |
| Noninterest expense to average assets | 3.1436% | 794 |
| Loan and lease loss provision to assets | 0.1528% | 782 |
| Net operating income to assets | 0.9871% | 2,727 |
| Return on assets (ROA) | 0.9871% | 2,792 |
| Pretax return on assets | 1.3839% | 2,102 |
| Return on Equity (ROE) | 9.3799% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.4439% | 1,745 |
| Net charge-offs to loans | 0.0338% | 1,557 |
| Credit loss provision to net charge-offs | 750.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 75.4250% | 1,029 |
| Efficiency ratio | 67.1673% | 2,100 |
| Assets per employee ($millions) | 3.7394% | 4,516 |
| Cash dividends to net income (ytd only)* | 20.6398% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,008 |
| Loan loss allowance to noncurrent loans | 963.6364% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 1,954 |
| Noncurrent loans to loans | 0.1430% | 3,223 |
| Net loans and leases to total assets | 57.4162% | 2,435 |
| Net loans and leases to deposits | 66.1016% | 2,503 |
| Net loans and leases to core deposits | 72.8027% | 2,183 |
| Total domestic deposits to total assets | 86.8605% | 2,568 |
| Equity capital to assets | 10.5435% | 2,129 |
| Core capital (leverage) ratio | 10.6055% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2187% | 1,002 |
| Memoranda: | ||
| Average total assets | $196,335,200 | 3,088 |
| Average earning assets | $182,263,800 | 3,079 |
| Average equity | $20,661,200 | 3,160 |
| Average total loans | $118,417,600 | 2,962 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 522 |
| Cost of funding earning assets | 0.3621% | 2,001 |
| Net interest margin | 4.2912% | 461 |
| Noninterest income to average assets | 0.7869% | 1,566 |
| Noninterest expense to average assets | 2.9896% | 995 |
| Loan and lease loss provision to assets | 0.1532% | 724 |
| Net operating income to assets | 1.1980% | 2,176 |
| Return on assets (ROA) | 1.1980% | 2,232 |
| Pretax return on assets | 1.6296% | 1,606 |
| Return on Equity (ROE) | 11.3899% | 2,246 |
| Retained earnings to average equity (ytd only) | 11.3899% | 972 |
| Net charge-offs to loans | 0.0157% | 1,771 |
| Credit loss provision to net charge-offs | 1,607.1429% | 380 |
| Earnings coverage of net charge-offs (x) | 187.0714% | 582 |
| Efficiency ratio | 62.6444% | 2,589 |
| Assets per employee ($millions) | 3.6660% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 2,020 |
| Loan loss allowance to noncurrent loans | 875.5682% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 2,117 |
| Noncurrent loans to loans | 0.1598% | 3,323 |
| Net loans and leases to total assets | 55.9062% | 2,733 |
| Net loans and leases to deposits | 64.6641% | 2,768 |
| Net loans and leases to core deposits | 71.3065% | 2,488 |
| Total domestic deposits to total assets | 86.4563% | 2,578 |
| Equity capital to assets | 11.0244% | 1,998 |
| Core capital (leverage) ratio | 10.8305% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0174% | 953 |
| Memoranda: | ||
| Average total assets | $195,872,000 | 3,133 |
| Average earning assets | $181,920,000 | 3,119 |
| Average equity | $20,602,500 | 3,200 |
| Average total loans | $119,176,500 | 2,999 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 450 |
| Cost of funding earning assets | 0.3649% | 2,182 |
| Net interest margin | 4.4626% | 383 |
| Noninterest income to average assets | 0.7831% | 1,581 |
| Noninterest expense to average assets | 2.9634% | 1,043 |
| Loan and lease loss provision to assets | 0.1528% | 772 |
| Net operating income to assets | 1.3544% | 1,693 |
| Return on assets (ROA) | 1.3544% | 1,776 |
| Pretax return on assets | 1.8147% | 1,197 |
| Return on Equity (ROE) | 13.0841% | 1,681 |
| Retained earnings to average equity (ytd only) | 13.0841% | 701 |
| Net charge-offs to loans | 0.1817% | 464 |
| Credit loss provision to net charge-offs | 135.1351% | 1,208 |
| Earnings coverage of net charge-offs (x) | 17.4054% | 1,578 |
| Efficiency ratio | 60.0991% | 3,012 |
| Assets per employee ($millions) | 3.8380% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 3,297 |
| Loan loss allowance to noncurrent loans | 46.3886% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.7513% | 274 |
| Noncurrent loans to loans | 2.4334% | 341 |
| Net loans and leases to total assets | 61.2153% | 2,280 |
| Net loans and leases to deposits | 70.4440% | 2,367 |
| Net loans and leases to core deposits | 76.8630% | 2,153 |
| Total domestic deposits to total assets | 86.8993% | 2,381 |
| Equity capital to assets | 10.7006% | 2,226 |
| Core capital (leverage) ratio | 10.3355% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4862% | 1,038 |
| Memoranda: | ||
| Average total assets | $196,397,000 | 3,130 |
| Average earning assets | $182,538,667 | 3,120 |
| Average equity | $20,330,000 | 3,218 |
| Average total loans | $122,180,333 | 2,988 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 332 |
| Cost of funding earning assets | 0.3675% | 2,377 |
| Net interest margin | 4.6697% | 275 |
| Noninterest income to average assets | 0.7706% | 1,663 |
| Noninterest expense to average assets | 2.9096% | 1,132 |
| Loan and lease loss provision to assets | 0.1525% | 850 |
| Net operating income to assets | 1.4640% | 1,409 |
| Return on assets (ROA) | 1.4640% | 1,472 |
| Pretax return on assets | 2.0495% | 875 |
| Return on Equity (ROE) | 14.3838% | 1,353 |
| Retained earnings to average equity (ytd only) | 14.3838% | 712 |
| Net charge-offs to loans | 0.2445% | 344 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 14.4400% | 1,363 |
| Efficiency ratio | 56.9212% | 3,435 |
| Assets per employee ($millions) | 3.9535% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,523 |
| Loan loss allowance to noncurrent loans | 43.5494% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.9138% | 276 |
| Noncurrent loans to loans | 2.4785% | 374 |
| Net loans and leases to total assets | 61.6635% | 2,322 |
| Net loans and leases to deposits | 70.5402% | 2,454 |
| Net loans and leases to core deposits | 77.4493% | 2,227 |
| Total domestic deposits to total assets | 87.4161% | 2,130 |
| Equity capital to assets | 10.2902% | 2,441 |
| Core capital (leverage) ratio | 10.3633% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4891% | 998 |
| Memoranda: | ||
| Average total assets | $196,727,000 | 3,113 |
| Average earning assets | $182,881,500 | 3,113 |
| Average equity | $20,022,500 | 3,235 |
| Average total loans | $122,676,000 | 2,991 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 287 |
| Cost of funding earning assets | 0.4473% | 3,299 |
| Net interest margin | 4.8214% | 163 |
| Noninterest income to average assets | 0.6468% | 2,039 |
| Noninterest expense to average assets | 3.5738% | 626 |
| Loan and lease loss provision to assets | 0.1453% | 2,553 |
| Net operating income to assets | 1.0007% | 2,290 |
| Return on assets (ROA) | 1.0007% | 2,434 |
| Pretax return on assets | 1.3435% | 1,841 |
| Return on Equity (ROE) | 8.8028% | 2,469 |
| Retained earnings to average equity (ytd only) | 3.6908% | 2,983 |
| Net charge-offs to loans | 0.0565% | 1,968 |
| Credit loss provision to net charge-offs | 373.1343% | 1,515 |
| Earnings coverage of net charge-offs (x) | 38.2388% | 1,423 |
| Efficiency ratio | 70.5923% | 1,872 |
| Assets per employee ($millions) | 3.4961% | 4,652 |
| Cash dividends to net income (ytd only)* | 58.0720% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,513 |
| Loan loss allowance to noncurrent loans | 323.6010% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 1,807 |
| Noncurrent loans to loans | 0.3365% | 2,998 |
| Net loans and leases to total assets | 61.7016% | 2,648 |
| Net loans and leases to deposits | 70.2930% | 2,850 |
| Net loans and leases to core deposits | 76.7540% | 2,655 |
| Total domestic deposits to total assets | 87.7777% | 1,576 |
| Equity capital to assets | 10.1026% | 3,030 |
| Core capital (leverage) ratio | 10.6364% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7181% | 1,103 |
| Memoranda: | ||
| Average total assets | $172,084,600 | 3,178 |
| Average earning assets | $157,609,400 | 3,189 |
| Average equity | $19,562,000 | 3,225 |
| Average total loans | $118,556,000 | 2,997 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5368% | 211 |
| Cost of funding earning assets | 0.4559% | 3,494 |
| Net interest margin | 5.0809% | 123 |
| Noninterest income to average assets | 0.6379% | 2,033 |
| Noninterest expense to average assets | 3.7665% | 474 |
| Loan and lease loss provision to assets | 0.1402% | 2,615 |
| Net operating income to assets | 1.0118% | 2,297 |
| Return on assets (ROA) | 1.0118% | 2,427 |
| Pretax return on assets | 1.3633% | 1,842 |
| Return on Equity (ROE) | 8.6186% | 2,557 |
| Retained earnings to average equity (ytd only) | 8.6186% | 1,104 |
| Net charge-offs to loans | 0.0567% | 1,801 |
| Credit loss provision to net charge-offs | 350.0000% | 1,608 |
| Earnings coverage of net charge-offs (x) | 37.4800% | 1,411 |
| Efficiency ratio | 71.4677% | 1,701 |
| Assets per employee ($millions) | 2.8149% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,616 |
| Loan loss allowance to noncurrent loans | 308.9806% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 1,775 |
| Noncurrent loans to loans | 0.3301% | 3,100 |
| Net loans and leases to total assets | 67.5222% | 2,311 |
| Net loans and leases to deposits | 77.9079% | 2,540 |
| Net loans and leases to core deposits | 85.7486% | 2,321 |
| Total domestic deposits to total assets | 86.6693% | 1,789 |
| Equity capital to assets | 11.1118% | 2,316 |
| Core capital (leverage) ratio | 10.9007% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3433% | 999 |
| Memoranda: | ||
| Average total assets | $166,160,500 | 3,207 |
| Average earning assets | $151,490,750 | 3,227 |
| Average equity | $19,507,750 | 3,234 |
| Average total loans | $117,662,500 | 3,016 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8206% | 184 |
| Cost of funding earning assets | 0.4778% | 3,670 |
| Net interest margin | 5.3428% | 109 |
| Noninterest income to average assets | 0.6091% | 2,097 |
| Noninterest expense to average assets | 3.9064% | 457 |
| Loan and lease loss provision to assets | 0.1246% | 2,782 |
| Net operating income to assets | 1.0625% | 2,102 |
| Return on assets (ROA) | 1.0625% | 2,226 |
| Pretax return on assets | 1.4250% | 1,660 |
| Return on Equity (ROE) | 8.8700% | 2,412 |
| Retained earnings to average equity (ytd only) | 8.8700% | 1,042 |
| Net charge-offs to loans | 0.1110% | 1,184 |
| Credit loss provision to net charge-offs | 156.2500% | 2,097 |
| Earnings coverage of net charge-offs (x) | 19.4375% | 1,720 |
| Efficiency ratio | 71.5982% | 1,748 |
| Assets per employee ($millions) | 3.1912% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 3,887 |
| Loan loss allowance to noncurrent loans | 571.4976% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 2,174 |
| Noncurrent loans to loans | 0.1624% | 3,801 |
| Net loans and leases to total assets | 69.4440% | 2,120 |
| Net loans and leases to deposits | 79.8940% | 2,438 |
| Net loans and leases to core deposits | 86.2628% | 2,415 |
| Total domestic deposits to total assets | 86.9202% | 1,651 |
| Equity capital to assets | 10.9385% | 2,402 |
| Core capital (leverage) ratio | 11.3179% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4143% | 1,153 |
| Memoranda: | ||
| Average total assets | $160,558,000 | 3,244 |
| Average earning assets | $145,654,000 | 3,270 |
| Average equity | $19,233,333 | 3,252 |
| Average total loans | $115,277,667 | 3,030 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8098% | 216 |
| Cost of funding earning assets | 0.5174% | 3,858 |
| Net interest margin | 5.2925% | 130 |
| Noninterest income to average assets | 0.9154% | 1,041 |
| Noninterest expense to average assets | 4.1044% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2463% | 1,388 |
| Return on assets (ROA) | 1.2463% | 1,490 |
| Pretax return on assets | 1.5612% | 1,154 |
| Return on Equity (ROE) | 9.8828% | 1,787 |
| Retained earnings to average equity (ytd only) | 9.8828% | 767 |
| Net charge-offs to loans | 0.0733% | 1,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,196 |
| Efficiency ratio | 72.4447% | 2,010 |
| Assets per employee ($millions) | 2.5995% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,631 |
| Loan loss allowance to noncurrent loans | 202.5135% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 1,323 |
| Noncurrent loans to loans | 0.5009% | 2,766 |
| Net loans and leases to total assets | 71.7681% | 1,953 |
| Net loans and leases to deposits | 84.3203% | 2,187 |
| Net loans and leases to core deposits | 93.5786% | 2,010 |
| Total domestic deposits to total assets | 85.1137% | 2,370 |
| Equity capital to assets | 12.4106% | 1,787 |
| Core capital (leverage) ratio | 12.8568% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7093% | 1,192 |
| Memoranda: | ||
| Average total assets | $149,887,500 | 3,319 |
| Average earning assets | $134,531,000 | 3,388 |
| Average equity | $18,901,500 | 3,286 |
| Average total loans | $109,166,000 | 3,094 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7012% | 399 |
| Cost of funding earning assets | 0.4359% | 4,318 |
| Net interest margin | 5.2653% | 166 |
| Noninterest income to average assets | 0.6255% | 2,111 |
| Noninterest expense to average assets | 4.1543% | 446 |
| Loan and lease loss provision to assets | 0.0516% | 2,990 |
| Net operating income to assets | 1.0998% | 2,448 |
| Return on assets (ROA) | 1.0998% | 2,546 |
| Pretax return on assets | 1.1767% | 2,926 |
| Return on Equity (ROE) | 8.4870% | 2,945 |
| Retained earnings to average equity (ytd only) | -2.1217% | 4,874 |
| Net charge-offs to loans | 0.0477% | 2,435 |
| Credit loss provision to net charge-offs | 153.0612% | 1,669 |
| Earnings coverage of net charge-offs (x) | 36.4694% | 1,395 |
| Efficiency ratio | 77.1804% | 1,243 |
| Assets per employee ($millions) | 2.1530% | 5,067 |
| Cash dividends to net income (ytd only)* | 125.0000% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,103 |
| Loan loss allowance to noncurrent loans | 315.1099% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 1,563 |
| Noncurrent loans to loans | 0.3398% | 3,227 |
| Net loans and leases to total assets | 72.3925% | 2,026 |
| Net loans and leases to deposits | 85.5569% | 2,147 |
| Net loans and leases to core deposits | 94.9007% | 1,989 |
| Total domestic deposits to total assets | 84.6133% | 2,638 |
| Equity capital to assets | 12.8198% | 1,628 |
| Core capital (leverage) ratio | 12.6533% | 1,404 |
| Tier 1 risk-based capital ratio | 16.6493% | 2,167 |
| Total risk-based capital ratio | 17.6698% | 2,185 |
| Memoranda: | ||
| Average total assets | $145,487,200 | 3,357 |
| Average earning assets | $131,445,200 | 3,398 |
| Average equity | $18,852,400 | 3,239 |
| Average total loans | $102,718,800 | 3,192 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6097% | 485 |
| Cost of funding earning assets | 0.3961% | 4,517 |
| Net interest margin | 5.2136% | 195 |
| Noninterest income to average assets | 0.8293% | 1,334 |
| Noninterest expense to average assets | 4.1345% | 454 |
| Loan and lease loss provision to assets | 0.0689% | 2,499 |
| Net operating income to assets | 1.3399% | 1,678 |
| Return on assets (ROA) | 1.3399% | 1,754 |
| Pretax return on assets | 1.3399% | 2,527 |
| Return on Equity (ROE) | 10.2919% | 2,309 |
| Retained earnings to average equity (ytd only) | -3.8163% | 5,018 |
| Net charge-offs to loans | 0.0709% | 1,811 |
| Credit loss provision to net charge-offs | 138.8889% | 1,733 |
| Earnings coverage of net charge-offs (x) | 28.4067% | 1,688 |
| Efficiency ratio | 74.5858% | 1,481 |
| Assets per employee ($millions) | 2.2760% | 5,126 |
| Cash dividends to net income (ytd only)* | 137.0805% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,783 |
| Loan loss allowance to noncurrent loans | 271.9048% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 997 |
| Noncurrent loans to loans | 0.4224% | 3,037 |
| Net loans and leases to total assets | 66.4445% | 2,999 |
| Net loans and leases to deposits | 76.5430% | 3,248 |
| Net loans and leases to core deposits | 84.5603% | 3,040 |
| Total domestic deposits to total assets | 86.8068% | 1,616 |
| Equity capital to assets | 12.5646% | 1,864 |
| Core capital (leverage) ratio | 12.8407% | 1,413 |
| Tier 1 risk-based capital ratio | 17.3639% | 1,977 |
| Total risk-based capital ratio | 18.4316% | 1,985 |
| Memoranda: | ||
| Average total assets | $145,180,500 | 3,392 |
| Average earning assets | $131,270,000 | 3,438 |
| Average equity | $18,901,000 | 3,259 |
| Average total loans | $101,615,000 | 3,245 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 484 |
| Cost of funding earning assets | 0.3621% | 4,644 |
| Net interest margin | 5.2214% | 188 |
| Noninterest income to average assets | 0.7677% | 1,447 |
| Noninterest expense to average assets | 4.1157% | 460 |
| Loan and lease loss provision to assets | 0.1039% | 1,805 |
| Net operating income to assets | 1.2638% | 1,898 |
| Return on assets (ROA) | 1.2638% | 1,968 |
| Pretax return on assets | 1.2638% | 2,696 |
| Return on Equity (ROE) | 9.5973% | 2,591 |
| Retained earnings to average equity (ytd only) | 4.3356% | 3,093 |
| Net charge-offs to loans | 0.0586% | 1,806 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 32.9000% | 1,394 |
| Efficiency ratio | 75.0569% | 1,511 |
| Assets per employee ($millions) | 2.6239% | 5,087 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,762 |
| Loan loss allowance to noncurrent loans | 479.8354% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 1,180 |
| Noncurrent loans to loans | 0.2410% | 3,675 |
| Net loans and leases to total assets | 67.8229% | 2,838 |
| Net loans and leases to deposits | 78.9794% | 3,062 |
| Net loans and leases to core deposits | 87.3755% | 2,858 |
| Total domestic deposits to total assets | 85.8742% | 2,096 |
| Equity capital to assets | 13.2567% | 1,464 |
| Core capital (leverage) ratio | 13.4790% | 1,126 |
| Tier 1 risk-based capital ratio | 18.1023% | 1,780 |
| Total risk-based capital ratio | 19.1832% | 1,780 |
| Memoranda: | ||
| Average total assets | $144,326,000 | 3,427 |
| Average earning assets | $130,348,670 | 3,471 |
| Average equity | $19,005,330 | 3,245 |
| Average total loans | $102,340,000 | 3,254 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6349% | 402 |
| Cost of funding earning assets | 0.2484% | 4,986 |
| Net interest margin | 5.3865% | 154 |
| Noninterest income to average assets | 0.6489% | 1,823 |
| Noninterest expense to average assets | 4.0218% | 520 |
| Loan and lease loss provision to assets | 0.2098% | 752 |
| Net operating income to assets | 1.2697% | 1,815 |
| Return on assets (ROA) | 1.2697% | 1,863 |
| Pretax return on assets | 1.2697% | 2,571 |
| Return on Equity (ROE) | 9.6758% | 2,506 |
| Retained earnings to average equity (ytd only) | -0.9804% | 4,649 |
| Net charge-offs to loans | 0.3065% | 490 |
| Credit loss provision to net charge-offs | 94.9367% | 1,671 |
| Earnings coverage of net charge-offs (x) | 6.6962% | 2,178 |
| Efficiency ratio | 73.1063% | 1,867 |
| Assets per employee ($millions) | 2.6952% | 5,115 |
| Cash dividends to net income (ytd only)* | 110.1322% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,174 |
| Loan loss allowance to noncurrent loans | 1,863.3333% | 344 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 1,006 |
| Noncurrent loans to loans | 0.0586% | 4,498 |
| Net loans and leases to total assets | 69.5381% | 2,550 |
| Net loans and leases to deposits | 80.6196% | 2,765 |
| Net loans and leases to core deposits | 88.3663% | 2,649 |
| Total domestic deposits to total assets | 86.2545% | 2,164 |
| Equity capital to assets | 12.9354% | 1,494 |
| Core capital (leverage) ratio | 13.4556% | 1,101 |
| Tier 1 risk-based capital ratio | 17.4365% | 1,959 |
| Total risk-based capital ratio | 18.4588% | 1,986 |
| Memoranda: | ||
| Average total assets | $143,020,500 | 3,485 |
| Average earning assets | $128,841,000 | 3,536 |
| Average equity | $18,768,500 | 3,281 |
| Average total loans | $103,098,500 | 3,269 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 651 |
| Cost of funding earning assets | 0.2599% | 4,758 |
| Net interest margin | 4.9797% | 274 |
| Noninterest income to average assets | 0.6402% | 2,097 |
| Noninterest expense to average assets | 3.9933% | 533 |
| Loan and lease loss provision to assets | 0.2056% | 915 |
| Net operating income to assets | 0.9466% | 3,251 |
| Return on assets (ROA) | 0.9466% | 3,245 |
| Pretax return on assets | 0.9466% | 3,771 |
| Return on Equity (ROE) | 7.5880% | 3,622 |
| Retained earnings to average equity (ytd only) | 4.8407% | 2,868 |
| Net charge-offs to loans | 0.2464% | 786 |
| Credit loss provision to net charge-offs | 123.9669% | 2,111 |
| Earnings coverage of net charge-offs (x) | 6.9463% | 3,032 |
| Efficiency ratio | 77.6076% | 1,170 |
| Assets per employee ($millions) | 2.1288% | 5,299 |
| Cash dividends to net income (ytd only)* | 36.2056% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,231 |
| Loan loss allowance to noncurrent loans | 394.3662% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 1.5445% | 749 |
| Noncurrent loans to loans | 0.2734% | 3,595 |
| Net loans and leases to total assets | 73.1335% | 2,073 |
| Net loans and leases to deposits | 85.1705% | 2,388 |
| Net loans and leases to core deposits | 93.0060% | 2,314 |
| Total domestic deposits to total assets | 85.8671% | 2,296 |
| Equity capital to assets | 13.3172% | 1,216 |
| Core capital (leverage) ratio | 13.2497% | 1,157 |
| Tier 1 risk-based capital ratio | 17.2963% | 1,953 |
| Total risk-based capital ratio | 18.3098% | 1,988 |
| Memoranda: | ||
| Average total assets | $145,893,000 | 3,427 |
| Average earning assets | $131,995,800 | 3,469 |
| Average equity | $18,199,800 | 3,275 |
| Average total loans | $98,216,000 | 3,336 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 755 |
| Cost of funding earning assets | 0.2610% | 4,724 |
| Net interest margin | 4.8400% | 346 |
| Noninterest income to average assets | 0.7154% | 1,813 |
| Noninterest expense to average assets | 3.6764% | 778 |
| Loan and lease loss provision to assets | 0.2037% | 840 |
| Net operating income to assets | 1.2179% | 2,164 |
| Return on assets (ROA) | 1.2179% | 2,163 |
| Pretax return on assets | 1.2179% | 2,921 |
| Return on Equity (ROE) | 9.9230% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.2342% | 2,534 |
| Net charge-offs to loans | 0.1322% | 1,219 |
| Credit loss provision to net charge-offs | 234.3750% | 1,234 |
| Earnings coverage of net charge-offs (x) | 16.3538% | 2,167 |
| Efficiency ratio | 72.1137% | 1,865 |
| Assets per employee ($millions) | 2.8356% | 5,139 |
| Cash dividends to net income (ytd only)* | 37.1747% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 2,674 |
| Loan loss allowance to noncurrent loans | 216.5455% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 1.8075% | 642 |
| Noncurrent loans to loans | 0.5499% | 2,733 |
| Net loans and leases to total assets | 68.3384% | 2,886 |
| Net loans and leases to deposits | 79.0904% | 3,133 |
| Net loans and leases to core deposits | 86.2970% | 2,973 |
| Total domestic deposits to total assets | 86.4055% | 2,013 |
| Equity capital to assets | 12.8318% | 1,405 |
| Core capital (leverage) ratio | 12.7815% | 1,377 |
| Tier 1 risk-based capital ratio | 18.0594% | 1,774 |
| Total risk-based capital ratio | 19.1869% | 1,771 |
| Memoranda: | ||
| Average total assets | $147,240,750 | 3,455 |
| Average earning assets | $133,330,250 | 3,488 |
| Average equity | $18,072,000 | 3,311 |
| Average total loans | $96,801,500 | 3,392 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 847 |
| Cost of funding earning assets | 0.2591% | 4,705 |
| Net interest margin | 4.7291% | 407 |
| Noninterest income to average assets | 0.7926% | 1,493 |
| Noninterest expense to average assets | 3.6161% | 852 |
| Loan and lease loss provision to assets | 0.2025% | 842 |
| Net operating income to assets | 1.2625% | 1,929 |
| Return on assets (ROA) | 1.2625% | 1,931 |
| Pretax return on assets | 1.2625% | 2,661 |
| Return on Equity (ROE) | 10.4409% | 2,364 |
| Retained earnings to average equity (ytd only) | 4.8575% | 3,151 |
| Net charge-offs to loans | 0.0627% | 1,720 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 36.1667% | 1,368 |
| Efficiency ratio | 71.1666% | 2,131 |
| Assets per employee ($millions) | 2.9290% | 5,144 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,560 |
| Loan loss allowance to noncurrent loans | 125.0529% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.7218% | 707 |
| Noncurrent loans to loans | 0.9828% | 1,780 |
| Net loans and leases to total assets | 63.6431% | 3,435 |
| Net loans and leases to deposits | 73.0948% | 3,616 |
| Net loans and leases to core deposits | 79.8022% | 3,435 |
| Total domestic deposits to total assets | 87.0692% | 1,811 |
| Equity capital to assets | 12.1703% | 1,737 |
| Core capital (leverage) ratio | 12.3833% | 1,500 |
| Tier 1 risk-based capital ratio | 18.3370% | 1,717 |
| Total risk-based capital ratio | 19.4990% | 1,694 |
| Memoranda: | ||
| Average total assets | $148,115,330 | 3,463 |
| Average earning assets | $134,316,670 | 3,497 |
| Average equity | $17,910,330 | 3,341 |
| Average total loans | $95,728,670 | 3,413 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,025 |
| Cost of funding earning assets | 0.2603% | 4,646 |
| Net interest margin | 4.5626% | 545 |
| Noninterest income to average assets | 0.8543% | 1,281 |
| Noninterest expense to average assets | 3.6669% | 805 |
| Loan and lease loss provision to assets | 0.2034% | 816 |
| Net operating income to assets | 1.1201% | 2,332 |
| Return on assets (ROA) | 1.1201% | 2,351 |
| Pretax return on assets | 1.1201% | 3,097 |
| Return on Equity (ROE) | 9.2937% | 2,771 |
| Retained earnings to average equity (ytd only) | -1.9578% | 5,008 |
| Net charge-offs to loans | 0.0712% | 1,410 |
| Credit loss provision to net charge-offs | 441.1765% | 648 |
| Earnings coverage of net charge-offs (x) | 28.7059% | 1,267 |
| Efficiency ratio | 73.4783% | 1,972 |
| Assets per employee ($millions) | 2.6988% | 5,333 |
| Cash dividends to net income (ytd only)* | 121.0654% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,866 |
| Loan loss allowance to noncurrent loans | 35.8147% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 3.2032% | 236 |
| Noncurrent loans to loans | 3.3235% | 327 |
| Net loans and leases to total assets | 61.5733% | 3,598 |
| Net loans and leases to deposits | 70.2619% | 3,766 |
| Net loans and leases to core deposits | 76.5378% | 3,621 |
| Total domestic deposits to total assets | 87.6340% | 1,832 |
| Equity capital to assets | 11.6772% | 2,006 |
| Core capital (leverage) ratio | 12.1813% | 1,539 |
| Tier 1 risk-based capital ratio | 18.0816% | 1,817 |
| Total risk-based capital ratio | 19.1987% | 1,801 |
| Memoranda: | ||
| Average total assets | $147,483,000 | 3,505 |
| Average earning assets | $133,695,500 | 3,537 |
| Average equity | $17,775,500 | 3,383 |
| Average total loans | $95,466,500 | 3,433 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 905 |
| Cost of funding earning assets | 0.2619% | 4,464 |
| Net interest margin | 4.5802% | 520 |
| Noninterest income to average assets | 0.7404% | 1,804 |
| Noninterest expense to average assets | 3.7491% | 739 |
| Loan and lease loss provision to assets | 0.8532% | 135 |
| Net operating income to assets | 0.3768% | 4,763 |
| Return on assets (ROA) | 0.3768% | 4,779 |
| Pretax return on assets | 0.3768% | 5,116 |
| Return on Equity (ROE) | 3.0528% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.0528% | 3,480 |
| Net charge-offs to loans | 1.4010% | 115 |
| Credit loss provision to net charge-offs | 89.4161% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.2891% | 3,908 |
| Efficiency ratio | 75.2972% | 1,716 |
| Assets per employee ($millions) | 2.7138% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,365 |
| Loan loss allowance to noncurrent loans | 31.7503% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 3.4512% | 197 |
| Noncurrent loans to loans | 3.4603% | 295 |
| Net loans and leases to total assets | 66.5295% | 3,029 |
| Net loans and leases to deposits | 76.6106% | 3,270 |
| Net loans and leases to core deposits | 83.7691% | 3,073 |
| Total domestic deposits to total assets | 86.8411% | 2,069 |
| Equity capital to assets | 12.4470% | 1,549 |
| Core capital (leverage) ratio | 12.5237% | 1,342 |
| Tier 1 risk-based capital ratio | 17.5830% | 1,925 |
| Total risk-based capital ratio | 18.6081% | 1,930 |
| Memoranda: | ||
| Average total assets | $143,580,000 | 3,558 |
| Average earning assets | $132,875,800 | 3,556 |
| Average equity | $17,721,400 | 3,400 |
| Average total loans | $97,789,000 | 3,385 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 866 |
| Cost of funding earning assets | 0.2627% | 4,458 |
| Net interest margin | 4.5710% | 517 |
| Noninterest income to average assets | 0.8175% | 1,520 |
| Noninterest expense to average assets | 3.7300% | 741 |
| Loan and lease loss provision to assets | 1.0916% | 95 |
| Net operating income to assets | 0.2480% | 5,301 |
| Return on assets (ROA) | 0.2480% | 5,317 |
| Pretax return on assets | 0.2480% | 5,342 |
| Return on Equity (ROE) | 2.0140% | 5,306 |
| Retained earnings to average equity (ytd only) | 2.0140% | 4,634 |
| Net charge-offs to loans | 1.8195% | 81 |
| Credit loss provision to net charge-offs | 87.8176% | 2,485 |
| Earnings coverage of net charge-offs (x) | 1.0777% | 3,601 |
| Efficiency ratio | 73.5752% | 1,962 |
| Assets per employee ($millions) | 2.8484% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,310 |
| Loan loss allowance to noncurrent loans | 34.1503% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 3.4702% | 224 |
| Noncurrent loans to loans | 3.3095% | 352 |
| Net loans and leases to total assets | 62.9290% | 3,557 |
| Net loans and leases to deposits | 72.3163% | 3,735 |
| Net loans and leases to core deposits | 79.0596% | 3,531 |
| Total domestic deposits to total assets | 87.0191% | 1,866 |
| Equity capital to assets | 12.2746% | 1,792 |
| Core capital (leverage) ratio | 12.3130% | 1,509 |
| Tier 1 risk-based capital ratio | 17.8574% | 1,891 |
| Total risk-based capital ratio | 18.8965% | 1,900 |
| Memoranda: | ||
| Average total assets | $143,516,500 | 3,589 |
| Average earning assets | $133,504,000 | 3,584 |
| Average equity | $17,676,000 | 3,437 |
| Average total loans | $98,047,500 | 3,411 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 925 |
| Cost of funding earning assets | 0.2662% | 4,407 |
| Net interest margin | 4.5020% | 564 |
| Noninterest income to average assets | 0.8759% | 1,345 |
| Noninterest expense to average assets | 3.6898% | 780 |
| Loan and lease loss provision to assets | 1.1194% | 87 |
| Net operating income to assets | 0.2561% | 5,311 |
| Return on assets (ROA) | 0.2561% | 5,330 |
| Pretax return on assets | 0.2561% | 5,385 |
| Return on Equity (ROE) | 2.0767% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.0767% | 4,420 |
| Net charge-offs to loans | 0.0701% | 1,937 |
| Credit loss provision to net charge-offs | 2,285.7143% | 188 |
| Earnings coverage of net charge-offs (x) | 28.0857% | 1,517 |
| Efficiency ratio | 72.8453% | 2,207 |
| Assets per employee ($millions) | 2.8790% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9301% | 683 |
| Loan loss allowance to noncurrent loans | 70.6156% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 3.0069% | 305 |
| Noncurrent loans to loans | 2.7333% | 515 |
| Net loans and leases to total assets | 68.2758% | 2,772 |
| Net loans and leases to deposits | 78.2668% | 3,091 |
| Net loans and leases to core deposits | 85.3131% | 2,943 |
| Total domestic deposits to total assets | 87.2347% | 1,843 |
| Equity capital to assets | 12.0706% | 1,883 |
| Core capital (leverage) ratio | 12.2836% | 1,488 |
| Tier 1 risk-based capital ratio | 16.3348% | 2,379 |
| Total risk-based capital ratio | 17.5913% | 2,321 |
| Memoranda: | ||
| Average total assets | $142,933,000 | 3,616 |
| Average earning assets | $133,007,670 | 3,607 |
| Average equity | $17,624,330 | 3,453 |
| Average total loans | $99,910,000 | 3,401 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 661 |
| Cost of funding earning assets | 0.2744% | 4,310 |
| Net interest margin | 4.5971% | 447 |
| Noninterest income to average assets | 0.9533% | 1,098 |
| Noninterest expense to average assets | 3.6429% | 838 |
| Loan and lease loss provision to assets | 0.2128% | 763 |
| Net operating income to assets | 1.3760% | 1,043 |
| Return on assets (ROA) | 1.3760% | 1,079 |
| Pretax return on assets | 1.3760% | 1,967 |
| Return on Equity (ROE) | 11.0384% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.0384% | 600 |
| Net charge-offs to loans | -0.0203% | 4,756 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6312% | 2,951 |
| Assets per employee ($millions) | 2.8852% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,518 |
| Loan loss allowance to noncurrent loans | 41.3483% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 3.1832% | 299 |
| Noncurrent loans to loans | 3.1548% | 412 |
| Net loans and leases to total assets | 67.5519% | 2,741 |
| Net loans and leases to deposits | 77.7372% | 3,004 |
| Net loans and leases to core deposits | 84.8556% | 2,824 |
| Total domestic deposits to total assets | 86.8978% | 2,267 |
| Equity capital to assets | 12.3903% | 1,605 |
| Core capital (leverage) ratio | 12.7698% | 1,229 |
| Tier 1 risk-based capital ratio | 16.7553% | 2,261 |
| Total risk-based capital ratio | 17.9426% | 2,248 |
| Memoranda: | ||
| Average total assets | $140,985,500 | 3,679 |
| Average earning assets | $131,213,000 | 3,660 |
| Average equity | $17,575,000 | 3,472 |
| Average total loans | $98,754,500 | 3,443 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 1,268 |
| Cost of funding earning assets | 0.3220% | 3,823 |
| Net interest margin | 4.2850% | 952 |
| Noninterest income to average assets | 0.6882% | 2,227 |
| Noninterest expense to average assets | 3.4927% | 1,172 |
| Loan and lease loss provision to assets | 0.9758% | 107 |
| Net operating income to assets | 0.2027% | 5,412 |
| Return on assets (ROA) | 0.2696% | 5,352 |
| Pretax return on assets | 0.2696% | 5,402 |
| Return on Equity (ROE) | 2.1868% | 5,360 |
| Retained earnings to average equity (ytd only) | -0.6096% | 5,397 |
| Net charge-offs to loans | 1.8032% | 80 |
| Credit loss provision to net charge-offs | 81.9815% | 2,944 |
| Earnings coverage of net charge-offs (x) | 0.9902% | 4,056 |
| Efficiency ratio | 74.7712% | 2,167 |
| Assets per employee ($millions) | 2.7543% | 5,525 |
| Cash dividends to net income (ytd only)* | 127.8772% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,985 |
| Loan loss allowance to noncurrent loans | 31.5240% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.8805% | 203 |
| Noncurrent loans to loans | 3.8796% | 279 |
| Net loans and leases to total assets | 70.8459% | 2,360 |
| Net loans and leases to deposits | 81.6907% | 2,702 |
| Net loans and leases to core deposits | 89.3779% | 2,561 |
| Total domestic deposits to total assets | 86.7246% | 2,274 |
| Equity capital to assets | 12.5449% | 1,495 |
| Core capital (leverage) ratio | 12.6521% | 1,272 |
| Tier 1 risk-based capital ratio | 16.3671% | 2,398 |
| Total risk-based capital ratio | 17.4846% | 2,397 |
| Memoranda: | ||
| Average total assets | $145,015,800 | 3,589 |
| Average earning assets | $134,796,000 | 3,575 |
| Average equity | $17,880,400 | 3,422 |
| Average total loans | $95,716,400 | 3,467 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 1,444 |
| Cost of funding earning assets | 0.3373% | 3,684 |
| Net interest margin | 4.1960% | 1,127 |
| Noninterest income to average assets | 0.7318% | 2,037 |
| Noninterest expense to average assets | 3.4286% | 1,295 |
| Loan and lease loss provision to assets | 0.6538% | 173 |
| Net operating income to assets | 0.5065% | 4,675 |
| Return on assets (ROA) | 0.5884% | 4,444 |
| Pretax return on assets | 0.6347% | 4,782 |
| Return on Equity (ROE) | 4.7915% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.0944% | 5,058 |
| Net charge-offs to loans | 1.5643% | 81 |
| Credit loss provision to net charge-offs | 64.6320% | 2,860 |
| Earnings coverage of net charge-offs (x) | 1.1867% | 3,722 |
| Efficiency ratio | 74.0683% | 2,270 |
| Assets per employee ($millions) | 2.8849% | 5,483 |
| Cash dividends to net income (ytd only)* | 77.1604% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,399 |
| Loan loss allowance to noncurrent loans | 27.4792% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 4.5381% | 167 |
| Noncurrent loans to loans | 4.2758% | 244 |
| Net loans and leases to total assets | 66.9388% | 2,965 |
| Net loans and leases to deposits | 77.0566% | 3,281 |
| Net loans and leases to core deposits | 84.4865% | 3,080 |
| Total domestic deposits to total assets | 86.8696% | 1,953 |
| Equity capital to assets | 12.7088% | 1,639 |
| Core capital (leverage) ratio | 12.3080% | 1,480 |
| Tier 1 risk-based capital ratio | 16.2918% | 2,505 |
| Total risk-based capital ratio | 17.3130% | 2,545 |
| Memoranda: | ||
| Average total assets | $146,841,500 | 3,583 |
| Average earning assets | $136,378,750 | 3,562 |
| Average equity | $18,031,500 | 3,428 |
| Average total loans | $94,952,500 | 3,491 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,375 |
| Cost of funding earning assets | 0.3506% | 3,559 |
| Net interest margin | 4.2032% | 1,110 |
| Noninterest income to average assets | 0.8099% | 1,672 |
| Noninterest expense to average assets | 3.3390% | 1,508 |
| Loan and lease loss provision to assets | 0.1682% | 1,326 |
| Net operating income to assets | 0.7441% | 3,574 |
| Return on assets (ROA) | 0.7493% | 3,703 |
| Pretax return on assets | 1.2134% | 2,734 |
| Return on Equity (ROE) | 6.1705% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.1705% | 2,031 |
| Net charge-offs to loans | 0.1267% | 1,577 |
| Credit loss provision to net charge-offs | 208.3333% | 1,258 |
| Earnings coverage of net charge-offs (x) | 17.0167% | 1,899 |
| Efficiency ratio | 70.8536% | 2,851 |
| Assets per employee ($millions) | 3.0024% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,411 |
| Loan loss allowance to noncurrent loans | 37.6068% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 4.7547% | 160 |
| Noncurrent loans to loans | 4.3782% | 248 |
| Net loans and leases to total assets | 64.3155% | 3,319 |
| Net loans and leases to deposits | 75.0194% | 3,477 |
| Net loans and leases to core deposits | 81.7768% | 3,289 |
| Total domestic deposits to total assets | 85.7318% | 2,545 |
| Equity capital to assets | 12.5478% | 1,742 |
| Core capital (leverage) ratio | 12.2674% | 1,479 |
| Tier 1 risk-based capital ratio | 16.8617% | 2,277 |
| Total risk-based capital ratio | 18.1137% | 2,226 |
| Memoranda: | ||
| Average total assets | $148,669,000 | 3,577 |
| Average earning assets | $138,038,000 | 3,564 |
| Average equity | $18,053,670 | 3,433 |
| Average total loans | $94,687,000 | 3,507 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 1,450 |
| Cost of funding earning assets | 0.3633% | 3,468 |
| Net interest margin | 4.1577% | 1,202 |
| Noninterest income to average assets | 0.8244% | 1,542 |
| Noninterest expense to average assets | 3.2842% | 1,645 |
| Loan and lease loss provision to assets | 0.1338% | 1,576 |
| Net operating income to assets | 0.7847% | 3,321 |
| Return on assets (ROA) | 0.7949% | 3,381 |
| Pretax return on assets | 1.2821% | 2,373 |
| Return on Equity (ROE) | 6.6553% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.6553% | 2,057 |
| Net charge-offs to loans | 0.1959% | 1,012 |
| Credit loss provision to net charge-offs | 108.6957% | 1,528 |
| Earnings coverage of net charge-offs (x) | 11.3696% | 1,865 |
| Efficiency ratio | 70.1143% | 3,101 |
| Assets per employee ($millions) | 3.2592% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 1,610 |
| Loan loss allowance to noncurrent loans | 114.2536% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 2.8494% | 464 |
| Noncurrent loans to loans | 1.3992% | 1,707 |
| Net loans and leases to total assets | 62.5299% | 3,452 |
| Net loans and leases to deposits | 72.5609% | 3,597 |
| Net loans and leases to core deposits | 77.3020% | 3,568 |
| Total domestic deposits to total assets | 86.1758% | 2,599 |
| Equity capital to assets | 12.0560% | 1,989 |
| Core capital (leverage) ratio | 11.8123% | 1,737 |
| Tier 1 risk-based capital ratio | 17.8076% | 2,038 |
| Total risk-based capital ratio | 19.0603% | 2,000 |
| Memoranda: | ||
| Average total assets | $149,445,000 | 3,592 |
| Average earning assets | $138,729,500 | 3,578 |
| Average equity | $17,850,500 | 3,459 |
| Average total loans | $93,929,000 | 3,538 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 1,615 |
| Cost of funding earning assets | 0.4225% | 2,915 |
| Net interest margin | 4.0722% | 1,480 |
| Noninterest income to average assets | 0.8623% | 1,563 |
| Noninterest expense to average assets | 3.2512% | 1,834 |
| Loan and lease loss provision to assets | -0.2206% | 6,004 |
| Net operating income to assets | 1.6090% | 692 |
| Return on assets (ROA) | 1.6168% | 701 |
| Pretax return on assets | 1.6168% | 1,205 |
| Return on Equity (ROE) | 13.8128% | 886 |
| Retained earnings to average equity (ytd only) | 1.6185% | 4,799 |
| Net charge-offs to loans | -0.5073% | 6,084 |
| Credit loss provision to net charge-offs | 72.8051% | 3,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0741% | 3,211 |
| Assets per employee ($millions) | 3.0401% | 5,487 |
| Cash dividends to net income (ytd only)* | 88.2825% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 1,495 |
| Loan loss allowance to noncurrent loans | 373.2187% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 2.2898% | 713 |
| Noncurrent loans to loans | 0.4396% | 3,892 |
| Net loans and leases to total assets | 61.1338% | 3,671 |
| Net loans and leases to deposits | 70.6715% | 3,842 |
| Net loans and leases to core deposits | 75.9514% | 3,759 |
| Total domestic deposits to total assets | 86.5042% | 2,374 |
| Equity capital to assets | 11.8323% | 2,088 |
| Core capital (leverage) ratio | 11.5285% | 1,942 |
| Tier 1 risk-based capital ratio | 17.8157% | 2,020 |
| Total risk-based capital ratio | 19.0688% | 1,967 |
| Memoranda: | ||
| Average total assets | $154,129,000 | 3,506 |
| Average earning assets | $142,969,600 | 3,500 |
| Average equity | $18,041,200 | 3,379 |
| Average total loans | $92,060,000 | 3,544 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 1,813 |
| Cost of funding earning assets | 0.4355% | 2,844 |
| Net interest margin | 3.9935% | 1,725 |
| Noninterest income to average assets | 0.8999% | 1,448 |
| Noninterest expense to average assets | 3.1329% | 2,134 |
| Loan and lease loss provision to assets | -0.2908% | 6,152 |
| Net operating income to assets | 1.7629% | 564 |
| Return on assets (ROA) | 1.7629% | 579 |
| Pretax return on assets | 1.7629% | 968 |
| Return on Equity (ROE) | 15.1002% | 711 |
| Retained earnings to average equity (ytd only) | 7.7522% | 1,357 |
| Net charge-offs to loans | -0.6889% | 6,182 |
| Credit loss provision to net charge-offs | 71.3684% | 2,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0328% | 3,534 |
| Assets per employee ($millions) | 3.2529% | 5,212 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,865 |
| Loan loss allowance to noncurrent loans | 463.0303% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 2.5779% | 651 |
| Noncurrent loans to loans | 0.3405% | 4,393 |
| Net loans and leases to total assets | 61.0925% | 3,721 |
| Net loans and leases to deposits | 70.5272% | 3,920 |
| Net loans and leases to core deposits | 76.3941% | 3,756 |
| Total domestic deposits to total assets | 86.6226% | 2,228 |
| Equity capital to assets | 11.8101% | 2,255 |
| Core capital (leverage) ratio | 11.9271% | 1,718 |
| Tier 1 risk-based capital ratio | 17.6847% | 2,122 |
| Total risk-based capital ratio | 18.9374% | 2,085 |
| Memoranda: | ||
| Average total assets | $155,420,000 | 3,521 |
| Average earning assets | $144,199,000 | 3,519 |
| Average equity | $18,145,000 | 3,388 |
| Average total loans | $91,928,250 | 3,579 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 1,858 |
| Cost of funding earning assets | 0.4499% | 2,729 |
| Net interest margin | 3.9481% | 1,816 |
| Noninterest income to average assets | 0.9653% | 1,260 |
| Noninterest expense to average assets | 3.1151% | 2,198 |
| Loan and lease loss provision to assets | -0.5026% | 6,274 |
| Net operating income to assets | 2.0170% | 356 |
| Return on assets (ROA) | 2.0170% | 370 |
| Pretax return on assets | 2.0170% | 579 |
| Return on Equity (ROE) | 17.3439% | 456 |
| Retained earnings to average equity (ytd only) | 17.3439% | 117 |
| Net charge-offs to loans | -1.0170% | 6,271 |
| Credit loss provision to net charge-offs | 84.9673% | 2,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2884% | 3,791 |
| Assets per employee ($millions) | 2.6857% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 2,050 |
| Loan loss allowance to noncurrent loans | 167.3540% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 2.3394% | 852 |
| Noncurrent loans to loans | 0.9322% | 2,803 |
| Net loans and leases to total assets | 59.1829% | 3,947 |
| Net loans and leases to deposits | 68.4095% | 4,098 |
| Net loans and leases to core deposits | 74.5472% | 3,902 |
| Total domestic deposits to total assets | 86.5126% | 2,431 |
| Equity capital to assets | 11.9607% | 2,060 |
| Core capital (leverage) ratio | 12.0474% | 1,627 |
| Tier 1 risk-based capital ratio | 18.8690% | 1,819 |
| Total risk-based capital ratio | 20.1215% | 1,789 |
| Memoranda: | ||
| Average total assets | $155,181,000 | 3,550 |
| Average earning assets | $144,019,670 | 3,541 |
| Average equity | $18,046,670 | 3,416 |
| Average total loans | $90,265,670 | 3,632 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 2,124 |
| Cost of funding earning assets | 0.4738% | 2,514 |
| Net interest margin | 3.8185% | 2,175 |
| Noninterest income to average assets | 1.0795% | 970 |
| Noninterest expense to average assets | 3.0732% | 2,351 |
| Loan and lease loss provision to assets | -1.2009% | 6,387 |
| Net operating income to assets | 2.7452% | 105 |
| Return on assets (ROA) | 2.7452% | 116 |
| Pretax return on assets | 2.7452% | 176 |
| Return on Equity (ROE) | 23.9489% | 128 |
| Retained earnings to average equity (ytd only) | 23.9489% | 54 |
| Net charge-offs to loans | -1.9419% | 6,357 |
| Credit loss provision to net charge-offs | 108.1395% | 1,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5548% | 4,060 |
| Assets per employee ($millions) | 2.9746% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 2,512 |
| Loan loss allowance to noncurrent loans | 155.7979% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 2.3774% | 920 |
| Noncurrent loans to loans | 0.9528% | 2,870 |
| Net loans and leases to total assets | 57.1236% | 4,075 |
| Net loans and leases to deposits | 65.7542% | 4,177 |
| Net loans and leases to core deposits | 71.5272% | 4,010 |
| Total domestic deposits to total assets | 86.8743% | 2,439 |
| Equity capital to assets | 11.6059% | 2,373 |
| Core capital (leverage) ratio | 11.8496% | 1,740 |
| Tier 1 risk-based capital ratio | 18.7440% | 1,929 |
| Total risk-based capital ratio | 19.9945% | 1,893 |
| Memoranda: | ||
| Average total assets | $154,887,500 | 3,577 |
| Average earning assets | $143,510,000 | 3,572 |
| Average equity | $17,754,500 | 3,489 |
| Average total loans | $88,574,000 | 3,682 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,473 |
| Cost of funding earning assets | 0.5731% | 2,017 |
| Net interest margin | 4.0570% | 1,715 |
| Noninterest income to average assets | 0.8910% | 1,533 |
| Noninterest expense to average assets | 3.3095% | 1,907 |
| Loan and lease loss provision to assets | 0.1979% | 1,288 |
| Net operating income to assets | 1.1423% | 1,805 |
| Return on assets (ROA) | 1.1575% | 1,806 |
| Pretax return on assets | 1.1575% | 2,834 |
| Return on Equity (ROE) | 10.4493% | 1,929 |
| Retained earnings to average equity (ytd only) | 0.3275% | 5,629 |
| Net charge-offs to loans | 0.2730% | 1,585 |
| Credit loss provision to net charge-offs | 125.5230% | 1,905 |
| Earnings coverage of net charge-offs (x) | 8.5021% | 2,867 |
| Efficiency ratio | 71.1773% | 3,340 |
| Assets per employee ($millions) | 2.7165% | 6,010 |
| Cash dividends to net income (ytd only)* | 96.8661% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 2,017 |
| Loan loss allowance to noncurrent loans | 174.8744% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 2.1240% | 1,160 |
| Noncurrent loans to loans | 0.9285% | 2,994 |
| Net loans and leases to total assets | 55.4437% | 4,399 |
| Net loans and leases to deposits | 63.6548% | 4,561 |
| Net loans and leases to core deposits | 69.9986% | 4,329 |
| Total domestic deposits to total assets | 87.1005% | 2,226 |
| Equity capital to assets | 11.3146% | 2,593 |
| Core capital (leverage) ratio | 11.3683% | 2,074 |
| Tier 1 risk-based capital ratio | 19.0596% | 1,830 |
| Total risk-based capital ratio | 20.3116% | 1,794 |
| Memoranda: | ||
| Average total assets | $151,625,800 | 3,604 |
| Average earning assets | $140,474,800 | 3,598 |
| Average equity | $16,795,400 | 3,559 |
| Average total loans | $87,552,200 | 3,684 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7276% | 1,243 |
| Cost of funding earning assets | 0.5842% | 1,980 |
| Net interest margin | 4.1434% | 1,452 |
| Noninterest income to average assets | 0.8220% | 1,808 |
| Noninterest expense to average assets | 3.3055% | 1,888 |
| Loan and lease loss provision to assets | 0.1980% | 1,208 |
| Net operating income to assets | 1.1573% | 1,835 |
| Return on assets (ROA) | 1.1740% | 1,851 |
| Pretax return on assets | 1.1740% | 2,897 |
| Return on Equity (ROE) | 10.6560% | 1,921 |
| Retained earnings to average equity (ytd only) | 1.0704% | 5,456 |
| Net charge-offs to loans | 0.2575% | 1,507 |
| Credit loss provision to net charge-offs | 132.3529% | 1,753 |
| Earnings coverage of net charge-offs (x) | 9.0589% | 2,719 |
| Efficiency ratio | 70.9215% | 3,356 |
| Assets per employee ($millions) | 2.7136% | 6,071 |
| Cash dividends to net income (ytd only)* | 89.9551% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 2,238 |
| Loan loss allowance to noncurrent loans | 241.8848% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 1.7584% | 1,700 |
| Noncurrent loans to loans | 0.6688% | 3,936 |
| Net loans and leases to total assets | 55.4696% | 4,400 |
| Net loans and leases to deposits | 63.7573% | 4,566 |
| Net loans and leases to core deposits | 70.4215% | 4,288 |
| Total domestic deposits to total assets | 87.0011% | 2,323 |
| Equity capital to assets | 11.3939% | 2,593 |
| Core capital (leverage) ratio | 11.4386% | 2,110 |
| Tier 1 risk-based capital ratio | 19.8968% | 1,701 |
| Total risk-based capital ratio | 21.1503% | 1,667 |
| Memoranda: | ||
| Average total assets | $151,501,750 | 3,634 |
| Average earning assets | $140,362,750 | 3,625 |
| Average equity | $16,691,250 | 3,593 |
| Average total loans | $88,006,750 | 3,705 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 1,081 |
| Cost of funding earning assets | 0.5965% | 1,929 |
| Net interest margin | 4.1969% | 1,251 |
| Noninterest income to average assets | 0.7678% | 1,972 |
| Noninterest expense to average assets | 3.2521% | 2,047 |
| Loan and lease loss provision to assets | 0.1982% | 1,226 |
| Net operating income to assets | 1.1946% | 1,608 |
| Return on assets (ROA) | 1.2104% | 1,621 |
| Pretax return on assets | 1.2104% | 2,625 |
| Return on Equity (ROE) | 11.1140% | 1,707 |
| Retained earnings to average equity (ytd only) | -3.4458% | 6,134 |
| Net charge-offs to loans | 0.3649% | 1,120 |
| Credit loss provision to net charge-offs | 92.5926% | 2,135 |
| Earnings coverage of net charge-offs (x) | 6.5062% | 2,758 |
| Efficiency ratio | 70.0142% | 3,658 |
| Assets per employee ($millions) | 2.7935% | 6,035 |
| Cash dividends to net income (ytd only)* | 131.0044% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 2,976 |
| Loan loss allowance to noncurrent loans | 260.6719% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 1.7227% | 1,895 |
| Noncurrent loans to loans | 0.5695% | 4,310 |
| Net loans and leases to total assets | 55.9512% | 4,293 |
| Net loans and leases to deposits | 64.0487% | 4,493 |
| Net loans and leases to core deposits | 70.4759% | 4,219 |
| Total domestic deposits to total assets | 87.3573% | 2,274 |
| Equity capital to assets | 10.7928% | 3,098 |
| Core capital (leverage) ratio | 11.1863% | 2,258 |
| Tier 1 risk-based capital ratio | 18.3437% | 2,115 |
| Total risk-based capital ratio | 19.5959% | 2,079 |
| Memoranda: | ||
| Average total assets | $151,349,330 | 3,658 |
| Average earning assets | $139,816,330 | 3,652 |
| Average equity | $16,483,670 | 3,620 |
| Average total loans | $88,783,330 | 3,697 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 1,238 |
| Cost of funding earning assets | 0.6135% | 1,869 |
| Net interest margin | 4.0957% | 1,461 |
| Noninterest income to average assets | 0.7607% | 1,908 |
| Noninterest expense to average assets | 3.2606% | 2,043 |
| Loan and lease loss provision to assets | 0.2016% | 1,156 |
| Net operating income to assets | 1.0672% | 1,943 |
| Return on assets (ROA) | 1.0860% | 1,934 |
| Pretax return on assets | 1.0860% | 2,974 |
| Return on Equity (ROE) | 9.9242% | 2,069 |
| Retained earnings to average equity (ytd only) | -19.5535% | 6,526 |
| Net charge-offs to loans | 0.0135% | 3,330 |
| Credit loss provision to net charge-offs | 2,500.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 157.3333% | 312 |
| Efficiency ratio | 71.9881% | 3,489 |
| Assets per employee ($millions) | 2.7091% | 6,193 |
| Cash dividends to net income (ytd only)* | 297.0297% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 2,884 |
| Loan loss allowance to noncurrent loans | 186.0743% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 2.0605% | 1,641 |
| Noncurrent loans to loans | 0.8377% | 3,792 |
| Net loans and leases to total assets | 58.4019% | 3,784 |
| Net loans and leases to deposits | 66.7609% | 4,000 |
| Net loans and leases to core deposits | 73.5846% | 3,690 |
| Total domestic deposits to total assets | 87.4793% | 2,522 |
| Equity capital to assets | 10.5966% | 3,148 |
| Core capital (leverage) ratio | 11.0701% | 2,329 |
| Tier 1 risk-based capital ratio | 17.6866% | 2,414 |
| Total risk-based capital ratio | 18.9390% | 2,384 |
| Memoranda: | ||
| Average total assets | $148,805,000 | 3,716 |
| Average earning assets | $136,924,000 | 3,714 |
| Average equity | $16,283,500 | 3,651 |
| Average total loans | $88,751,000 | 3,734 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 1,025 |
| Cost of funding earning assets | 0.6956% | 1,847 |
| Net interest margin | 4.2411% | 1,245 |
| Noninterest income to average assets | 1.0227% | 1,340 |
| Noninterest expense to average assets | 3.3859% | 1,911 |
| Loan and lease loss provision to assets | 0.4648% | 610 |
| Net operating income to assets | 1.0414% | 2,148 |
| Return on assets (ROA) | 1.0414% | 2,219 |
| Pretax return on assets | 1.0414% | 3,186 |
| Return on Equity (ROE) | 9.2385% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.5707% | 887 |
| Net charge-offs to loans | 1.5312% | 306 |
| Credit loss provision to net charge-offs | 50.0372% | 3,814 |
| Earnings coverage of net charge-offs (x) | 1.6216% | 4,518 |
| Efficiency ratio | 69.2123% | 3,976 |
| Assets per employee ($millions) | 2.6527% | 6,271 |
| Cash dividends to net income (ytd only)* | 7.2281% | 4,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 3,093 |
| Loan loss allowance to noncurrent loans | 166.1673% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 2.7793% | 1,183 |
| Noncurrent loans to loans | 0.9154% | 3,695 |
| Net loans and leases to total assets | 59.0585% | 3,865 |
| Net loans and leases to deposits | 68.1545% | 4,029 |
| Net loans and leases to core deposits | 74.8803% | 3,749 |
| Total domestic deposits to total assets | 86.6540% | 2,903 |
| Equity capital to assets | 11.3029% | 2,340 |
| Core capital (leverage) ratio | 12.1077% | 1,530 |
| Tier 1 risk-based capital ratio | 18.7387% | 1,996 |
| Total risk-based capital ratio | 19.9906% | 1,958 |
| Memoranda: | ||
| Average total assets | $144,807,400 | 3,790 |
| Average earning assets | $132,112,800 | 3,796 |
| Average equity | $16,323,000 | 3,650 |
| Average total loans | $87,839,400 | 3,741 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 1,147 |
| Cost of funding earning assets | 0.7095% | 1,887 |
| Net interest margin | 4.1793% | 1,400 |
| Noninterest income to average assets | 1.0516% | 1,320 |
| Noninterest expense to average assets | 3.4030% | 1,816 |
| Loan and lease loss provision to assets | 0.5516% | 473 |
| Net operating income to assets | 0.9059% | 2,806 |
| Return on assets (ROA) | 0.9059% | 2,916 |
| Pretax return on assets | 0.9059% | 3,858 |
| Return on Equity (ROE) | 8.0419% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.1493% | 1,806 |
| Net charge-offs to loans | 2.0335% | 182 |
| Credit loss provision to net charge-offs | 44.5936% | 3,622 |
| Earnings coverage of net charge-offs (x) | 1.1782% | 4,452 |
| Efficiency ratio | 70.0133% | 3,759 |
| Assets per employee ($millions) | 2.6382% | 6,343 |
| Cash dividends to net income (ytd only)* | 11.0998% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 3,747 |
| Loan loss allowance to noncurrent loans | 140.9396% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 2.8931% | 1,287 |
| Noncurrent loans to loans | 1.0198% | 3,764 |
| Net loans and leases to total assets | 59.5471% | 3,768 |
| Net loans and leases to deposits | 68.5338% | 3,996 |
| Net loans and leases to core deposits | 76.4854% | 3,565 |
| Total domestic deposits to total assets | 86.8872% | 2,752 |
| Equity capital to assets | 11.0088% | 2,750 |
| Core capital (leverage) ratio | 11.8493% | 1,772 |
| Tier 1 risk-based capital ratio | 18.0397% | 2,309 |
| Total risk-based capital ratio | 19.2874% | 2,273 |
| Memoranda: | ||
| Average total assets | $144,534,000 | 3,836 |
| Average earning assets | $131,724,250 | 3,842 |
| Average equity | $16,281,000 | 3,699 |
| Average total loans | $87,924,750 | 3,761 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 1,321 |
| Cost of funding earning assets | 0.7181% | 1,933 |
| Net interest margin | 4.0845% | 1,584 |
| Noninterest income to average assets | 0.8383% | 2,035 |
| Noninterest expense to average assets | 3.3545% | 1,919 |
| Loan and lease loss provision to assets | 0.7247% | 311 |
| Net operating income to assets | 0.4946% | 4,820 |
| Return on assets (ROA) | 0.4946% | 4,997 |
| Pretax return on assets | 0.4946% | 5,399 |
| Return on Equity (ROE) | 4.3581% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.0275% | 4,393 |
| Net charge-offs to loans | 2.8587% | 111 |
| Credit loss provision to net charge-offs | 41.5739% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.6995% | 4,289 |
| Efficiency ratio | 73.3414% | 3,251 |
| Assets per employee ($millions) | 2.9180% | 5,990 |
| Cash dividends to net income (ytd only)* | 30.5322% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 3,689 |
| Loan loss allowance to noncurrent loans | 144.2548% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 3.0046% | 1,347 |
| Noncurrent loans to loans | 1.0239% | 3,888 |
| Net loans and leases to total assets | 59.1540% | 3,805 |
| Net loans and leases to deposits | 68.1111% | 3,998 |
| Net loans and leases to core deposits | 75.9469% | 3,550 |
| Total domestic deposits to total assets | 86.8493% | 2,910 |
| Equity capital to assets | 10.9903% | 2,759 |
| Core capital (leverage) ratio | 11.3100% | 2,086 |
| Tier 1 risk-based capital ratio | 14.7193% | 3,962 |
| Total risk-based capital ratio | 15.8559% | 3,991 |
| Memoranda: | ||
| Average total assets | $144,344,670 | 3,866 |
| Average earning assets | $132,012,670 | 3,869 |
| Average equity | $16,383,330 | 3,712 |
| Average total loans | $88,011,670 | 3,767 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 1,322 |
| Cost of funding earning assets | 0.7201% | 2,059 |
| Net interest margin | 4.0646% | 1,574 |
| Noninterest income to average assets | 0.7640% | 2,281 |
| Noninterest expense to average assets | 3.2187% | 2,294 |
| Loan and lease loss provision to assets | 0.2069% | 1,795 |
| Net operating income to assets | 1.0591% | 1,997 |
| Return on assets (ROA) | 1.0591% | 2,115 |
| Pretax return on assets | 1.0591% | 3,112 |
| Return on Equity (ROE) | 9.1877% | 2,400 |
| Retained earnings to average equity (ytd only) | 7.8957% | 1,783 |
| Net charge-offs to loans | 1.0551% | 574 |
| Credit loss provision to net charge-offs | 31.9149% | 2,865 |
| Earnings coverage of net charge-offs (x) | 1.9532% | 3,186 |
| Efficiency ratio | 71.7712% | 3,657 |
| Assets per employee ($millions) | 2.9938% | 5,999 |
| Cash dividends to net income (ytd only)* | 14.0625% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 1,794 |
| Loan loss allowance to noncurrent loans | 69.7578% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 3.8754% | 1,055 |
| Noncurrent loans to loans | 3.0111% | 1,668 |
| Net loans and leases to total assets | 58.5551% | 3,687 |
| Net loans and leases to deposits | 67.7969% | 3,793 |
| Net loans and leases to core deposits | 75.7157% | 3,360 |
| Total domestic deposits to total assets | 86.3684% | 3,321 |
| Equity capital to assets | 11.4550% | 2,455 |
| Core capital (leverage) ratio | 11.3828% | 1,956 |
| Tier 1 risk-based capital ratio | 17.8062% | 2,443 |
| Total risk-based capital ratio | 19.0512% | 2,407 |
| Memoranda: | ||
| Average total assets | $145,026,500 | 3,895 |
| Average earning assets | $132,755,500 | 3,886 |
| Average equity | $16,718,000 | 3,710 |
| Average total loans | $89,094,000 | 3,769 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 1,414 |
| Cost of funding earning assets | 0.8729% | 2,116 |
| Net interest margin | 4.1834% | 1,704 |
| Noninterest income to average assets | 0.7502% | 2,496 |
| Noninterest expense to average assets | 3.3185% | 2,281 |
| Loan and lease loss provision to assets | 0.2050% | 3,095 |
| Net operating income to assets | 1.0447% | 2,145 |
| Return on assets (ROA) | 1.1028% | 2,112 |
| Pretax return on assets | 1.1028% | 3,149 |
| Return on Equity (ROE) | 10.1617% | 2,103 |
| Retained earnings to average equity (ytd only) | 8.8458% | 867 |
| Net charge-offs to loans | 0.2750% | 3,281 |
| Credit loss provision to net charge-offs | 121.4575% | 2,354 |
| Earnings coverage of net charge-offs (x) | 7.4049% | 2,612 |
| Efficiency ratio | 72.6443% | 3,295 |
| Assets per employee ($millions) | 2.6065% | 6,535 |
| Cash dividends to net income (ytd only)* | 12.9492% | 3,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2146% | 1,536 |
| Loan loss allowance to noncurrent loans | 72.8364% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 4.4197% | 943 |
| Noncurrent loans to loans | 3.0405% | 1,715 |
| Net loans and leases to total assets | 61.6949% | 3,301 |
| Net loans and leases to deposits | 71.6581% | 3,469 |
| Net loans and leases to core deposits | 80.2104% | 2,975 |
| Total domestic deposits to total assets | 86.0962% | 3,304 |
| Equity capital to assets | 11.6018% | 2,343 |
| Core capital (leverage) ratio | 11.2008% | 2,090 |
| Tier 1 risk-based capital ratio | 16.7777% | 2,759 |
| Total risk-based capital ratio | 18.0183% | 2,727 |
| Memoranda: | ||
| Average total assets | $146,360,600 | 3,838 |
| Average earning assets | $133,576,000 | 3,831 |
| Average equity | $15,883,200 | 3,793 |
| Average total loans | $89,805,400 | 3,752 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 1,619 |
| Cost of funding earning assets | 0.9049% | 2,141 |
| Net interest margin | 4.1222% | 2,016 |
| Noninterest income to average assets | 0.7531% | 2,462 |
| Noninterest expense to average assets | 3.2981% | 2,280 |
| Loan and lease loss provision to assets | 0.2039% | 3,035 |
| Net operating income to assets | 1.0124% | 2,441 |
| Return on assets (ROA) | 1.0631% | 2,455 |
| Pretax return on assets | 1.0631% | 3,488 |
| Return on Equity (ROE) | 9.9641% | 2,363 |
| Retained earnings to average equity (ytd only) | 8.6390% | 1,360 |
| Net charge-offs to loans | 0.2528% | 3,206 |
| Credit loss provision to net charge-offs | 132.3529% | 2,180 |
| Earnings coverage of net charge-offs (x) | 7.8942% | 2,533 |
| Efficiency ratio | 73.0576% | 3,134 |
| Assets per employee ($millions) | 3.4745% | 5,024 |
| Cash dividends to net income (ytd only)* | 13.2989% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2779% | 1,564 |
| Loan loss allowance to noncurrent loans | 240.9856% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 2.8760% | 1,825 |
| Noncurrent loans to loans | 0.9453% | 4,550 |
| Net loans and leases to total assets | 58.9413% | 3,967 |
| Net loans and leases to deposits | 68.1880% | 4,155 |
| Net loans and leases to core deposits | 76.5329% | 3,667 |
| Total domestic deposits to total assets | 86.4394% | 3,021 |
| Equity capital to assets | 11.3554% | 2,890 |
| Core capital (leverage) ratio | 10.7662% | 2,640 |
| Tier 1 risk-based capital ratio | 17.2084% | 2,648 |
| Total risk-based capital ratio | 18.4510% | 2,602 |
| Memoranda: | ||
| Average total assets | $147,111,500 | 3,864 |
| Average earning assets | $134,228,000 | 3,871 |
| Average equity | $15,696,000 | 3,863 |
| Average total loans | $89,645,000 | 3,804 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 1,735 |
| Cost of funding earning assets | 0.9254% | 2,223 |
| Net interest margin | 4.0934% | 2,123 |
| Noninterest income to average assets | 0.8773% | 1,871 |
| Noninterest expense to average assets | 3.3450% | 2,169 |
| Loan and lease loss provision to assets | 0.2034% | 3,043 |
| Net operating income to assets | 1.0535% | 2,232 |
| Return on assets (ROA) | 1.0535% | 2,463 |
| Pretax return on assets | 1.0535% | 3,501 |
| Return on Equity (ROE) | 10.0881% | 2,320 |
| Retained earnings to average equity (ytd only) | 8.7508% | 1,358 |
| Net charge-offs to loans | 0.3349% | 2,683 |
| Credit loss provision to net charge-offs | 99.3377% | 2,797 |
| Earnings coverage of net charge-offs (x) | 6.1391% | 2,690 |
| Efficiency ratio | 72.6871% | 3,302 |
| Assets per employee ($millions) | 3.0391% | 5,982 |
| Cash dividends to net income (ytd only)* | 13.2561% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 1,866 |
| Loan loss allowance to noncurrent loans | 290.4620% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 3.0936% | 1,770 |
| Noncurrent loans to loans | 0.7430% | 5,024 |
| Net loans and leases to total assets | 59.3320% | 3,936 |
| Net loans and leases to deposits | 68.0798% | 4,183 |
| Net loans and leases to core deposits | 76.8614% | 3,675 |
| Total domestic deposits to total assets | 87.1506% | 2,684 |
| Equity capital to assets | 10.7522% | 3,392 |
| Core capital (leverage) ratio | 10.3786% | 2,953 |
| Tier 1 risk-based capital ratio | 16.3520% | 2,982 |
| Total risk-based capital ratio | 17.5834% | 2,968 |
| Memoranda: | ||
| Average total assets | $147,505,330 | 3,879 |
| Average earning assets | $134,217,330 | 3,881 |
| Average equity | $15,404,330 | 3,912 |
| Average total loans | $90,187,330 | 3,798 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 1,871 |
| Cost of funding earning assets | 0.9522% | 2,288 |
| Net interest margin | 4.0522% | 2,293 |
| Noninterest income to average assets | 1.0463% | 1,321 |
| Noninterest expense to average assets | 3.3897% | 2,032 |
| Loan and lease loss provision to assets | 0.2044% | 2,908 |
| Net operating income to assets | 1.1281% | 1,957 |
| Return on assets (ROA) | 1.1281% | 2,146 |
| Pretax return on assets | 1.1281% | 3,206 |
| Return on Equity (ROE) | 10.9665% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.6421% | 1,365 |
| Net charge-offs to loans | 0.3728% | 2,188 |
| Credit loss provision to net charge-offs | 89.2857% | 2,558 |
| Earnings coverage of net charge-offs (x) | 5.8214% | 2,298 |
| Efficiency ratio | 71.7830% | 3,482 |
| Assets per employee ($millions) | 3.0309% | 6,097 |
| Cash dividends to net income (ytd only)* | 12.0773% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1636% | 1,959 |
| Loan loss allowance to noncurrent loans | 458.8652% | 734 |
| Noncurrent assets plus other real estate owned to assets | 2.9916% | 1,936 |
| Noncurrent loans to loans | 0.4715% | 5,733 |
| Net loans and leases to total assets | 59.1002% | 3,838 |
| Net loans and leases to deposits | 67.5538% | 4,142 |
| Net loans and leases to core deposits | 75.5522% | 3,680 |
| Total domestic deposits to total assets | 87.4860% | 2,663 |
| Equity capital to assets | 10.3122% | 3,718 |
| Core capital (leverage) ratio | 10.2986% | 2,994 |
| Tier 1 risk-based capital ratio | 16.0451% | 3,152 |
| Total risk-based capital ratio | 17.3045% | 3,114 |
| Memoranda: | ||
| Average total assets | $146,799,000 | 3,925 |
| Average earning assets | $133,161,000 | 3,922 |
| Average equity | $15,100,500 | 3,972 |
| Average total loans | $90,128,500 | 3,831 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 1,339 |
| Cost of funding earning assets | 1.2007% | 2,020 |
| Net interest margin | 4.2285% | 1,966 |
| Noninterest income to average assets | 1.2992% | 763 |
| Noninterest expense to average assets | 4.1316% | 878 |
| Loan and lease loss provision to assets | 0.2922% | 3,323 |
| Net operating income to assets | 0.6681% | 3,641 |
| Return on assets (ROA) | 0.6880% | 3,729 |
| Pretax return on assets | 0.6880% | 4,369 |
| Return on Equity (ROE) | 6.9408% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.9408% | 1,531 |
| Net charge-offs to loans | 0.6746% | 2,471 |
| Credit loss provision to net charge-offs | 64.2534% | 5,052 |
| Earnings coverage of net charge-offs (x) | 2.1116% | 4,196 |
| Efficiency ratio | 81.1397% | 2,142 |
| Assets per employee ($millions) | 2.9017% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1536% | 1,889 |
| Loan loss allowance to noncurrent loans | 419.3548% | 808 |
| Noncurrent assets plus other real estate owned to assets | 3.7537% | 1,550 |
| Noncurrent loans to loans | 0.5136% | 5,683 |
| Net loans and leases to total assets | 61.0639% | 3,768 |
| Net loans and leases to deposits | 69.7700% | 4,146 |
| Net loans and leases to core deposits | 76.8511% | 3,851 |
| Total domestic deposits to total assets | 87.5217% | 2,456 |
| Equity capital to assets | 10.2603% | 3,836 |
| Core capital (leverage) ratio | 10.0696% | 3,259 |
| Tier 1 risk-based capital ratio | 15.7931% | 3,158 |
| Total risk-based capital ratio | 17.0535% | 3,115 |
| Memoranda: | ||
| Average total assets | $145,779,200 | 3,880 |
| Average earning assets | $130,756,200 | 3,913 |
| Average equity | $14,450,800 | 4,020 |
| Average total loans | $98,285,200 | 3,667 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4944% | 1,265 |
| Cost of funding earning assets | 1.2504% | 1,996 |
| Net interest margin | 4.2441% | 1,935 |
| Noninterest income to average assets | 1.4068% | 662 |
| Noninterest expense to average assets | 4.1483% | 844 |
| Loan and lease loss provision to assets | 0.3206% | 2,973 |
| Net operating income to assets | 0.7363% | 3,446 |
| Return on assets (ROA) | 0.7363% | 3,618 |
| Pretax return on assets | 0.7363% | 4,356 |
| Return on Equity (ROE) | 7.4930% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.4930% | 1,714 |
| Net charge-offs to loans | 0.7104% | 2,138 |
| Credit loss provision to net charge-offs | 65.7303% | 4,613 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 4,048 |
| Efficiency ratio | 79.6946% | 2,298 |
| Assets per employee ($millions) | 2.9911% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 2,044 |
| Loan loss allowance to noncurrent loans | 148.9963% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 4.6239% | 1,288 |
| Noncurrent loans to loans | 1.4157% | 4,168 |
| Net loans and leases to total assets | 63.4551% | 3,422 |
| Net loans and leases to deposits | 72.3601% | 3,927 |
| Net loans and leases to core deposits | 80.1957% | 3,604 |
| Total domestic deposits to total assets | 87.6935% | 2,240 |
| Equity capital to assets | 10.0604% | 4,262 |
| Core capital (leverage) ratio | 9.9394% | 3,519 |
| Tier 1 risk-based capital ratio | 14.0574% | 4,316 |
| Total risk-based capital ratio | 15.3157% | 4,280 |
| Memoranda: | ||
| Average total assets | $145,953,000 | 3,894 |
| Average earning assets | $130,625,500 | 3,943 |
| Average equity | $14,342,000 | 4,067 |
| Average total loans | $100,220,500 | 3,641 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 1,143 |
| Cost of funding earning assets | 1.2935% | 1,983 |
| Net interest margin | 4.2684% | 1,769 |
| Noninterest income to average assets | 1.6357% | 492 |
| Noninterest expense to average assets | 4.2127% | 819 |
| Loan and lease loss provision to assets | 0.3787% | 2,519 |
| Net operating income to assets | 0.8480% | 2,867 |
| Return on assets (ROA) | 0.8480% | 2,963 |
| Pretax return on assets | 0.8480% | 3,842 |
| Return on Equity (ROE) | 8.6995% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.6995% | 1,207 |
| Net charge-offs to loans | 0.8298% | 1,848 |
| Credit loss provision to net charge-offs | 65.2482% | 4,199 |
| Earnings coverage of net charge-offs (x) | 2.1135% | 3,791 |
| Efficiency ratio | 77.4470% | 2,793 |
| Assets per employee ($millions) | 2.9947% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 2,243 |
| Loan loss allowance to noncurrent loans | 158.5082% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 4.6285% | 1,352 |
| Noncurrent loans to loans | 1.2908% | 4,506 |
| Net loans and leases to total assets | 66.5563% | 2,919 |
| Net loans and leases to deposits | 75.7471% | 3,524 |
| Net loans and leases to core deposits | 83.6239% | 3,268 |
| Total domestic deposits to total assets | 87.8665% | 2,228 |
| Equity capital to assets | 9.8738% | 4,307 |
| Core capital (leverage) ratio | 9.7758% | 3,555 |
| Tier 1 risk-based capital ratio | 14.4315% | 3,841 |
| Total risk-based capital ratio | 15.6910% | 3,804 |
| Memoranda: | ||
| Average total assets | $145,749,000 | 3,928 |
| Average earning assets | $129,884,000 | 3,985 |
| Average equity | $14,207,670 | 4,084 |
| Average total loans | $101,958,330 | 3,633 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5574% | 1,160 |
| Cost of funding earning assets | 1.3302% | 2,010 |
| Net interest margin | 4.2272% | 1,813 |
| Noninterest income to average assets | 2.4234% | 275 |
| Noninterest expense to average assets | 4.2216% | 802 |
| Loan and lease loss provision to assets | 0.5535% | 1,562 |
| Net operating income to assets | 1.3852% | 1,086 |
| Return on assets (ROA) | 1.3852% | 1,135 |
| Pretax return on assets | 1.3852% | 1,766 |
| Return on Equity (ROE) | 14.3030% | 933 |
| Retained earnings to average equity (ytd only) | 14.3030% | 450 |
| Net charge-offs to loans | 0.8226% | 1,596 |
| Credit loss provision to net charge-offs | 94.8113% | 2,852 |
| Earnings coverage of net charge-offs (x) | 3.3208% | 2,780 |
| Efficiency ratio | 68.5293% | 4,554 |
| Assets per employee ($millions) | 2.3694% | 7,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 2,138 |
| Loan loss allowance to noncurrent loans | 119.0372% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 4.7406% | 1,340 |
| Noncurrent loans to loans | 1.7820% | 3,846 |
| Net loans and leases to total assets | 68.3488% | 2,482 |
| Net loans and leases to deposits | 77.7261% | 3,110 |
| Net loans and leases to core deposits | 86.6861% | 2,774 |
| Total domestic deposits to total assets | 87.9354% | 2,410 |
| Equity capital to assets | 9.7535% | 4,104 |
| Core capital (leverage) ratio | 9.7611% | 3,430 |
| Tier 1 risk-based capital ratio | 14.0428% | 4,046 |
| Total risk-based capital ratio | 15.3039% | 4,017 |
| Memoranda: | ||
| Average total assets | $145,252,500 | 3,972 |
| Average earning assets | $128,405,500 | 4,061 |
| Average equity | $14,067,000 | 4,099 |
| Average total loans | $103,084,500 | 3,639 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 803 |
| Cost of funding earning assets | 1.5312% | 2,476 |
| Net interest margin | 4.4962% | 1,234 |
| Noninterest income to average assets | 1.0277% | 1,421 |
| Noninterest expense to average assets | 4.4775% | 667 |
| Loan and lease loss provision to assets | 0.4673% | 3,331 |
| Net operating income to assets | 0.0600% | 5,677 |
| Return on assets (ROA) | 0.0600% | 5,825 |
| Pretax return on assets | 0.0600% | 5,784 |
| Return on Equity (ROE) | 0.6249% | 5,804 |
| Retained earnings to average equity (ytd only) | 0.6249% | 5,265 |
| Net charge-offs to loans | 1.0899% | 2,042 |
| Credit loss provision to net charge-offs | 55.5738% | 6,167 |
| Earnings coverage of net charge-offs (x) | 0.6270% | 5,482 |
| Efficiency ratio | 89.4643% | 1,364 |
| Assets per employee ($millions) | 2.2794% | 7,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1112% | 2,046 |
| Loan loss allowance to noncurrent loans | 120.4295% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 8.2317% | 590 |
| Noncurrent loans to loans | 1.7531% | 3,878 |
| Net loans and leases to total assets | 70.6115% | 2,389 |
| Net loans and leases to deposits | 80.2248% | 3,130 |
| Net loans and leases to core deposits | 89.5808% | 2,823 |
| Total domestic deposits to total assets | 88.0170% | 2,242 |
| Equity capital to assets | 9.6139% | 4,258 |
| Core capital (leverage) ratio | 9.5489% | 3,647 |
| Tier 1 risk-based capital ratio | 13.1106% | 4,515 |
| Total risk-based capital ratio | 14.3718% | 4,468 |
| Memoranda: | ||
| Average total assets | $145,080,600 | 3,965 |
| Average earning assets | $128,330,600 | 4,057 |
| Average equity | $13,921,200 | 4,161 |
| Average total loans | $111,933,200 | 3,498 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0056% | 925 |
| Cost of funding earning assets | 1.5582% | 2,618 |
| Net interest margin | 4.4474% | 1,380 |
| Noninterest income to average assets | 1.5024% | 605 |
| Noninterest expense to average assets | 4.4211% | 651 |
| Loan and lease loss provision to assets | 0.5133% | 2,891 |
| Net operating income to assets | 0.5133% | 4,247 |
| Return on assets (ROA) | 0.5133% | 4,439 |
| Pretax return on assets | 0.5133% | 4,879 |
| Return on Equity (ROE) | 5.3523% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.3523% | 2,735 |
| Net charge-offs to loans | 0.2888% | 4,212 |
| Credit loss provision to net charge-offs | 226.7206% | 1,519 |
| Earnings coverage of net charge-offs (x) | 4.5344% | 3,012 |
| Efficiency ratio | 81.1543% | 2,176 |
| Assets per employee ($millions) | 2.3106% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7330% | 1,055 |
| Loan loss allowance to noncurrent loans | 57.0946% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 9.6853% | 432 |
| Noncurrent loans to loans | 4.7867% | 1,469 |
| Net loans and leases to total assets | 75.5741% | 1,481 |
| Net loans and leases to deposits | 86.2629% | 2,281 |
| Net loans and leases to core deposits | 96.0819% | 2,249 |
| Total domestic deposits to total assets | 87.6091% | 2,204 |
| Equity capital to assets | 9.9729% | 4,192 |
| Core capital (leverage) ratio | 9.7552% | 3,543 |
| Tier 1 risk-based capital ratio | 12.8031% | 4,734 |
| Total risk-based capital ratio | 14.0710% | 4,699 |
| Memoranda: | ||
| Average total assets | $145,449,750 | 4,016 |
| Average earning assets | $129,031,250 | 4,088 |
| Average equity | $13,950,000 | 4,213 |
| Average total loans | $114,019,500 | 3,500 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9062% | 1,168 |
| Cost of funding earning assets | 1.5656% | 2,866 |
| Net interest margin | 4.3406% | 1,634 |
| Noninterest income to average assets | 1.5159% | 562 |
| Noninterest expense to average assets | 4.4301% | 623 |
| Loan and lease loss provision to assets | 0.5610% | 2,526 |
| Net operating income to assets | 0.3940% | 4,780 |
| Return on assets (ROA) | 0.3940% | 4,942 |
| Pretax return on assets | 0.3940% | 5,248 |
| Return on Equity (ROE) | 4.1626% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.1626% | 3,418 |
| Net charge-offs to loans | 0.3498% | 3,605 |
| Credit loss provision to net charge-offs | 203.9801% | 1,909 |
| Earnings coverage of net charge-offs (x) | 3.4726% | 3,310 |
| Efficiency ratio | 82.2663% | 2,126 |
| Assets per employee ($millions) | 2.3830% | 7,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5719% | 1,222 |
| Loan loss allowance to noncurrent loans | 45.0337% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 9.8704% | 419 |
| Noncurrent loans to loans | 5.7110% | 1,140 |
| Net loans and leases to total assets | 75.3311% | 1,621 |
| Net loans and leases to deposits | 85.4502% | 2,610 |
| Net loans and leases to core deposits | 94.1823% | 2,688 |
| Total domestic deposits to total assets | 88.1580% | 1,922 |
| Equity capital to assets | 9.4832% | 4,726 |
| Core capital (leverage) ratio | 9.4859% | 3,842 |
| Tier 1 risk-based capital ratio | 12.3125% | 5,029 |
| Total risk-based capital ratio | 13.5775% | 4,993 |
| Memoranda: | ||
| Average total assets | $146,180,330 | 4,028 |
| Average earning assets | $130,304,000 | 4,079 |
| Average equity | $13,837,670 | 4,235 |
| Average total loans | $114,923,330 | 3,513 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8487% | 1,327 |
| Cost of funding earning assets | 1.6105% | 2,892 |
| Net interest margin | 4.2381% | 1,899 |
| Noninterest income to average assets | 1.5241% | 520 |
| Noninterest expense to average assets | 4.3549% | 676 |
| Loan and lease loss provision to assets | 0.7153% | 1,783 |
| Net operating income to assets | 0.2256% | 5,597 |
| Return on assets (ROA) | 0.2256% | 5,718 |
| Pretax return on assets | 0.2256% | 5,811 |
| Return on Equity (ROE) | 2.3853% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.3853% | 4,708 |
| Net charge-offs to loans | 0.2221% | 3,602 |
| Credit loss provision to net charge-offs | 406.2500% | 1,009 |
| Earnings coverage of net charge-offs (x) | 5.3438% | 2,420 |
| Efficiency ratio | 82.2338% | 2,247 |
| Assets per employee ($millions) | 2.2053% | 7,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5966% | 1,182 |
| Loan loss allowance to noncurrent loans | 48.3871% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 9.9456% | 402 |
| Noncurrent loans to loans | 5.3663% | 1,320 |
| Net loans and leases to total assets | 75.3834% | 1,665 |
| Net loans and leases to deposits | 85.5779% | 2,669 |
| Net loans and leases to core deposits | 94.7079% | 2,745 |
| Total domestic deposits to total assets | 88.0874% | 2,009 |
| Equity capital to assets | 9.4743% | 4,573 |
| Core capital (leverage) ratio | 9.3919% | 3,920 |
| Tier 1 risk-based capital ratio | 11.9089% | 5,293 |
| Total risk-based capital ratio | 13.1749% | 5,228 |
| Memoranda: | ||
| Average total assets | $145,398,000 | 4,106 |
| Average earning assets | $129,397,000 | 4,159 |
| Average equity | $13,751,000 | 4,301 |
| Average total loans | $115,267,000 | 3,561 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3142% | 999 |
| Cost of funding earning assets | 2.0613% | 2,674 |
| Net interest margin | 4.2529% | 1,882 |
| Noninterest income to average assets | 1.3466% | 819 |
| Noninterest expense to average assets | 4.1674% | 1,136 |
| Loan and lease loss provision to assets | 1.2628% | 1,828 |
| Net operating income to assets | -0.1914% | 5,833 |
| Return on assets (ROA) | -0.0180% | 5,567 |
| Pretax return on assets | -0.0180% | 5,476 |
| Return on Equity (ROE) | -0.1987% | 5,571 |
| Retained earnings to average equity (ytd only) | -0.1987% | 4,992 |
| Net charge-offs to loans | 0.6437% | 3,262 |
| Credit loss provision to net charge-offs | 248.1013% | 1,431 |
| Earnings coverage of net charge-offs (x) | 2.1051% | 4,154 |
| Efficiency ratio | 79.5474% | 2,949 |
| Assets per employee ($millions) | 2.2007% | 7,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3149% | 1,459 |
| Loan loss allowance to noncurrent loans | 45.5137% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 7.5721% | 634 |
| Noncurrent loans to loans | 5.0862% | 1,320 |
| Net loans and leases to total assets | 79.2859% | 1,137 |
| Net loans and leases to deposits | 90.0023% | 2,216 |
| Net loans and leases to core deposits | 130.7663% | 1,238 |
| Total domestic deposits to total assets | 88.0931% | 1,926 |
| Equity capital to assets | 9.4407% | 4,500 |
| Core capital (leverage) ratio | 9.2132% | 4,096 |
| Tier 1 risk-based capital ratio | 11.7701% | 5,134 |
| Total risk-based capital ratio | 13.0340% | 5,087 |
| Memoranda: | ||
| Average total assets | $155,204,800 | 3,878 |
| Average earning assets | $142,045,600 | 3,855 |
| Average equity | $14,090,800 | 4,227 |
| Average total loans | $122,736,800 | 3,421 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3723% | 978 |
| Cost of funding earning assets | 2.1505% | 2,645 |
| Net interest margin | 4.2218% | 1,968 |
| Noninterest income to average assets | 1.4627% | 695 |
| Noninterest expense to average assets | 4.1082% | 1,130 |
| Loan and lease loss provision to assets | 0.8785% | 2,187 |
| Net operating income to assets | 0.3534% | 4,582 |
| Return on assets (ROA) | 0.5809% | 3,744 |
| Pretax return on assets | 0.5809% | 4,248 |
| Return on Equity (ROE) | 6.4572% | 3,318 |
| Retained earnings to average equity (ytd only) | 6.4572% | 1,734 |
| Net charge-offs to loans | 0.7508% | 2,485 |
| Credit loss provision to net charge-offs | 148.8539% | 3,240 |
| Earnings coverage of net charge-offs (x) | 2.0874% | 4,255 |
| Efficiency ratio | 76.9316% | 3,331 |
| Assets per employee ($millions) | 2.1619% | 7,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 3,211 |
| Loan loss allowance to noncurrent loans | 52.9248% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 6.1601% | 854 |
| Noncurrent loans to loans | 2.9227% | 2,612 |
| Net loans and leases to total assets | 81.0699% | 966 |
| Net loans and leases to deposits | 92.2884% | 2,192 |
| Net loans and leases to core deposits | 134.5737% | 1,173 |
| Total domestic deposits to total assets | 87.8441% | 1,725 |
| Equity capital to assets | 9.6722% | 4,530 |
| Core capital (leverage) ratio | 9.3950% | 4,055 |
| Tier 1 risk-based capital ratio | 11.8282% | 5,131 |
| Total risk-based capital ratio | 13.0855% | 5,062 |
| Memoranda: | ||
| Average total assets | $157,695,000 | 3,836 |
| Average earning assets | $144,831,750 | 3,821 |
| Average equity | $14,185,500 | 4,247 |
| Average total loans | $123,949,250 | 3,425 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3157% | 1,166 |
| Cost of funding earning assets | 2.2292% | 2,668 |
| Net interest margin | 4.0866% | 2,369 |
| Noninterest income to average assets | 1.3754% | 810 |
| Noninterest expense to average assets | 4.0115% | 1,300 |
| Loan and lease loss provision to assets | 0.9792% | 1,724 |
| Net operating income to assets | 0.1644% | 5,376 |
| Return on assets (ROA) | 0.4996% | 4,216 |
| Pretax return on assets | 0.4996% | 4,617 |
| Return on Equity (ROE) | 5.6861% | 3,790 |
| Retained earnings to average equity (ytd only) | 5.6861% | 2,165 |
| Net charge-offs to loans | 0.7159% | 2,269 |
| Credit loss provision to net charge-offs | 176.6292% | 2,592 |
| Earnings coverage of net charge-offs (x) | 2.0629% | 4,050 |
| Efficiency ratio | 77.8154% | 3,377 |
| Assets per employee ($millions) | 2.0824% | 7,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 3,259 |
| Loan loss allowance to noncurrent loans | 46.5915% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 3.9423% | 1,519 |
| Noncurrent loans to loans | 3.1942% | 2,234 |
| Net loans and leases to total assets | 82.7330% | 822 |
| Net loans and leases to deposits | 93.2396% | 2,226 |
| Net loans and leases to core deposits | 136.1239% | 1,200 |
| Total domestic deposits to total assets | 88.7316% | 1,414 |
| Equity capital to assets | 9.3015% | 4,864 |
| Core capital (leverage) ratio | 8.8394% | 4,881 |
| Tier 1 risk-based capital ratio | 11.7248% | 5,171 |
| Total risk-based capital ratio | 12.9787% | 5,094 |
| Memoranda: | ||
| Average total assets | $160,536,670 | 3,818 |
| Average earning assets | $148,486,670 | 3,772 |
| Average equity | $14,104,670 | 4,285 |
| Average total loans | $124,321,670 | 3,452 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2014% | 1,600 |
| Cost of funding earning assets | 2.3419% | 2,536 |
| Net interest margin | 3.8594% | 3,215 |
| Noninterest income to average assets | 1.3350% | 802 |
| Noninterest expense to average assets | 3.8617% | 1,365 |
| Loan and lease loss provision to assets | 1.0534% | 1,241 |
| Net operating income to assets | -0.0121% | 6,275 |
| Return on assets (ROA) | -0.0121% | 6,413 |
| Pretax return on assets | -0.0121% | 6,394 |
| Return on Equity (ROE) | -0.1420% | 6,422 |
| Retained earnings to average equity (ytd only) | -0.1420% | 5,677 |
| Net charge-offs to loans | 0.3033% | 2,895 |
| Credit loss provision to net charge-offs | 466.6667% | 1,137 |
| Earnings coverage of net charge-offs (x) | 4.6129% | 2,845 |
| Efficiency ratio | 78.7624% | 3,037 |
| Assets per employee ($millions) | 2.3466% | 7,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 2,715 |
| Loan loss allowance to noncurrent loans | 55.4421% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 3.4050% | 1,594 |
| Noncurrent loans to loans | 2.7988% | 2,345 |
| Net loans and leases to total assets | 71.3480% | 3,388 |
| Net loans and leases to deposits | 79.3933% | 4,705 |
| Net loans and leases to core deposits | 112.0556% | 3,214 |
| Total domestic deposits to total assets | 89.8665% | 859 |
| Equity capital to assets | 8.3507% | 6,312 |
| Core capital (leverage) ratio | 8.2003% | 6,102 |
| Tier 1 risk-based capital ratio | 11.3059% | 5,593 |
| Total risk-based capital ratio | 12.5599% | 5,500 |
| Memoranda: | ||
| Average total assets | $164,796,000 | 3,745 |
| Average earning assets | $152,353,500 | 3,708 |
| Average equity | $14,087,000 | 4,314 |
| Average total loans | $122,648,000 | 3,503 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1248% | 875 |
| Cost of funding earning assets | 2.9489% | 2,060 |
| Net interest margin | 4.1758% | 2,408 |
| Noninterest income to average assets | 1.4192% | 714 |
| Noninterest expense to average assets | 3.9529% | 1,479 |
| Loan and lease loss provision to assets | 0.5825% | 2,494 |
| Net operating income to assets | 0.7196% | 3,807 |
| Return on assets (ROA) | 0.7196% | 3,639 |
| Pretax return on assets | 0.7196% | 4,337 |
| Return on Equity (ROE) | 8.6705% | 2,767 |
| Retained earnings to average equity (ytd only) | 4.7744% | 2,164 |
| Net charge-offs to loans | 0.2430% | 3,832 |
| Credit loss provision to net charge-offs | 316.9492% | 1,421 |
| Earnings coverage of net charge-offs (x) | 7.0847% | 3,193 |
| Efficiency ratio | 75.2223% | 3,370 |
| Assets per employee ($millions) | 2.2311% | 7,660 |
| Cash dividends to net income (ytd only)* | 44.9351% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 3,995 |
| Loan loss allowance to noncurrent loans | 42.3181% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 3.4861% | 1,279 |
| Noncurrent loans to loans | 2.9988% | 1,788 |
| Net loans and leases to total assets | 75.5063% | 2,760 |
| Net loans and leases to deposits | 84.4798% | 4,339 |
| Net loans and leases to core deposits | 122.7083% | 2,427 |
| Total domestic deposits to total assets | 89.3779% | 887 |
| Equity capital to assets | 8.7558% | 5,720 |
| Core capital (leverage) ratio | 8.5356% | 5,508 |
| Tier 1 risk-based capital ratio | 11.1915% | 5,544 |
| Total risk-based capital ratio | 12.4413% | 5,434 |
| Memoranda: | ||
| Average total assets | $160,516,400 | 3,712 |
| Average earning assets | $147,443,200 | 3,700 |
| Average equity | $13,321,000 | 4,492 |
| Average total loans | $121,390,200 | 3,436 |