Home > Bank of Western Oklahoma > Performance and Condition Ratios
Bank of Western Oklahoma, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7285% | 165 |
| Cost of funding earning assets | 2.4905% | 881 |
| Net interest margin | 5.2380% | 210 |
| Noninterest income to average assets | 0.1800% | 3,674 |
| Noninterest expense to average assets | 2.6853% | 1,798 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 2.2637% | 298 |
| Return on assets (ROA) | 2.2637% | 301 |
| Pretax return on assets | 2.2637% | 450 |
| Return on Equity (ROE) | 26.6100% | 163 |
| Retained earnings to average equity (ytd only) | 4.2943% | 2,775 |
| Net charge-offs to loans | 0.0666% | 1,029 |
| Credit loss provision to net charge-offs | 229.0909% | 835 |
| Earnings coverage of net charge-offs (x) | 43.9273% | 1,052 |
| Efficiency ratio | 53.3591% | 3,649 |
| Assets per employee ($millions) | 5.9703% | 2,952 |
| Cash dividends to net income (ytd only)* | 83.8627% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 3,779 |
| Loan loss allowance to noncurrent loans | 31.6213% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.1694% | 187 |
| Noncurrent loans to loans | 2.6339% | 285 |
| Net loans and leases to total assets | 81.6800% | 445 |
| Net loans and leases to deposits | 90.2419% | 1,082 |
| Net loans and leases to core deposits | 119.4154% | 568 |
| Total domestic deposits to total assets | 90.5100% | 659 |
| Equity capital to assets | 8.5493% | 3,283 |
| Core capital (leverage) ratio | 8.0632% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3202% | 2,646 |
| Memoranda: | ||
| Average total assets | $411,719,500 | 2,040 |
| Average earning assets | $381,443,000 | 2,037 |
| Average equity | $35,023,000 | 2,227 |
| Average total loans | $330,235,000 | 1,769 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2928% | 133 |
| Cost of funding earning assets | 2.4231% | 1,310 |
| Net interest margin | 5.8697% | 127 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 2.8871% | 1,336 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 2.7029% | 183 |
| Return on assets (ROA) | 2.7029% | 185 |
| Pretax return on assets | 2.7029% | 243 |
| Return on Equity (ROE) | 30.7400% | 95 |
| Retained earnings to average equity (ytd only) | 4.0192% | 2,620 |
| Net charge-offs to loans | 0.0319% | 1,941 |
| Credit loss provision to net charge-offs | 293.9394% | 877 |
| Earnings coverage of net charge-offs (x) | 108.1111% | 773 |
| Efficiency ratio | 51.1167% | 3,925 |
| Assets per employee ($millions) | 5.7956% | 3,033 |
| Cash dividends to net income (ytd only)* | 86.9250% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 3,745 |
| Loan loss allowance to noncurrent loans | 40.3663% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.6586% | 296 |
| Noncurrent loans to loans | 2.1251% | 369 |
| Net loans and leases to total assets | 77.3800% | 963 |
| Net loans and leases to deposits | 85.4436% | 1,645 |
| Net loans and leases to core deposits | 105.9849% | 1,122 |
| Total domestic deposits to total assets | 90.5600% | 649 |
| Equity capital to assets | 8.4637% | 3,228 |
| Core capital (leverage) ratio | 8.3361% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7965% | 2,581 |
| Memoranda: | ||
| Average total assets | $387,657,600 | 2,079 |
| Average earning assets | $358,300,000 | 2,080 |
| Average equity | $34,086,400 | 2,211 |
| Average total loans | $310,313,400 | 1,817 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4300% | 129 |
| Cost of funding earning assets | 2.3328% | 1,379 |
| Net interest margin | 6.0972% | 103 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 2.9913% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.9546% | 154 |
| Return on assets (ROA) | 2.9546% | 158 |
| Pretax return on assets | 2.9546% | 208 |
| Return on Equity (ROE) | 33.5900% | 100 |
| Retained earnings to average equity (ytd only) | 2.8922% | 3,069 |
| Net charge-offs to loans | 0.0597% | 1,172 |
| Credit loss provision to net charge-offs | 72.5275% | 1,701 |
| Earnings coverage of net charge-offs (x) | 61.9011% | 1,001 |
| Efficiency ratio | 50.3088% | 3,994 |
| Assets per employee ($millions) | 5.2719% | 3,395 |
| Cash dividends to net income (ytd only)* | 91.3900% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 3,879 |
| Loan loss allowance to noncurrent loans | 33.8581% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.9920% | 185 |
| Noncurrent loans to loans | 2.4338% | 271 |
| Net loans and leases to total assets | 79.3700% | 751 |
| Net loans and leases to deposits | 87.8911% | 1,490 |
| Net loans and leases to core deposits | 100.7547% | 1,436 |
| Total domestic deposits to total assets | 90.3100% | 625 |
| Equity capital to assets | 8.7718% | 2,910 |
| Core capital (leverage) ratio | 8.2468% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8346% | 2,611 |
| Memoranda: | ||
| Average total assets | $381,306,667 | 2,091 |
| Average earning assets | $352,195,000 | 2,087 |
| Average equity | $33,538,333 | 2,201 |
| Average total loans | $304,635,333 | 1,833 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4718% | 125 |
| Cost of funding earning assets | 2.2896% | 1,358 |
| Net interest margin | 6.1822% | 100 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 3.0732% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.0817% | 155 |
| Return on assets (ROA) | 3.0817% | 156 |
| Pretax return on assets | 3.0817% | 204 |
| Return on Equity (ROE) | 34.9900% | 94 |
| Retained earnings to average equity (ytd only) | 4.1880% | 2,652 |
| Net charge-offs to loans | 0.0040% | 2,000 |
| Credit loss provision to net charge-offs | 2,200.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 974.6667% | 100 |
| Efficiency ratio | 49.9315% | 4,022 |
| Assets per employee ($millions) | 5.0536% | 3,628 |
| Cash dividends to net income (ytd only)* | 88.0301% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 3,814 |
| Loan loss allowance to noncurrent loans | 144.9227% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 1,314 |
| Noncurrent loans to loans | 0.5927% | 1,466 |
| Net loans and leases to total assets | 79.9700% | 622 |
| Net loans and leases to deposits | 88.6271% | 1,307 |
| Net loans and leases to core deposits | 100.8545% | 1,369 |
| Total domestic deposits to total assets | 90.2300% | 723 |
| Equity capital to assets | 8.8544% | 2,775 |
| Core capital (leverage) ratio | 8.4354% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9641% | 2,593 |
| Memoranda: | ||
| Average total assets | $379,536,000 | 2,110 |
| Average earning assets | $350,104,500 | 2,109 |
| Average equity | $33,428,500 | 2,205 |
| Average total loans | $302,956,500 | 1,837 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8303% | 130 |
| Cost of funding earning assets | 1.7027% | 1,451 |
| Net interest margin | 6.1276% | 102 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.7860% | 1,539 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 3.0557% | 151 |
| Return on assets (ROA) | 3.0557% | 149 |
| Pretax return on assets | 3.0557% | 194 |
| Return on Equity (ROE) | 35.7100% | 120 |
| Retained earnings to average equity (ytd only) | 8.4989% | 1,395 |
| Net charge-offs to loans | 0.0090% | 2,323 |
| Credit loss provision to net charge-offs | 152.0000% | 1,462 |
| Earnings coverage of net charge-offs (x) | 458.2000% | 313 |
| Efficiency ratio | 47.1657% | 4,138 |
| Assets per employee ($millions) | 5.2062% | 3,468 |
| Cash dividends to net income (ytd only)* | 76.2036% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 3,838 |
| Loan loss allowance to noncurrent loans | 889.9306% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,041 |
| Noncurrent loans to loans | 0.0959% | 3,060 |
| Net loans and leases to total assets | 78.3100% | 834 |
| Net loans and leases to deposits | 86.7451% | 1,556 |
| Net loans and leases to core deposits | 96.9515% | 1,600 |
| Total domestic deposits to total assets | 90.2700% | 688 |
| Equity capital to assets | 8.7612% | 2,854 |
| Core capital (leverage) ratio | 8.3726% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1009% | 2,554 |
| Memoranda: | ||
| Average total assets | $367,046,400 | 2,125 |
| Average earning assets | $340,576,400 | 2,124 |
| Average equity | $31,404,200 | 2,203 |
| Average total loans | $278,935,600 | 1,878 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5904% | 132 |
| Cost of funding earning assets | 1.5485% | 1,484 |
| Net interest margin | 6.0419% | 105 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.7289% | 1,586 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 3.0298% | 174 |
| Return on assets (ROA) | 3.0298% | 177 |
| Pretax return on assets | 3.0298% | 226 |
| Return on Equity (ROE) | 35.6400% | 158 |
| Retained earnings to average equity (ytd only) | 9.8884% | 1,433 |
| Net charge-offs to loans | 0.0112% | 1,985 |
| Credit loss provision to net charge-offs | 126.0870% | 1,446 |
| Earnings coverage of net charge-offs (x) | 369.3913% | 389 |
| Efficiency ratio | 46.7068% | 4,099 |
| Assets per employee ($millions) | 5.1080% | 3,515 |
| Cash dividends to net income (ytd only)* | 72.2511% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 3,778 |
| Loan loss allowance to noncurrent loans | 781.6514% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,005 |
| Noncurrent loans to loans | 0.1132% | 3,011 |
| Net loans and leases to total assets | 76.7600% | 1,021 |
| Net loans and leases to deposits | 84.8519% | 1,661 |
| Net loans and leases to core deposits | 93.8514% | 1,686 |
| Total domestic deposits to total assets | 90.4700% | 821 |
| Equity capital to assets | 8.6261% | 2,648 |
| Core capital (leverage) ratio | 8.3329% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3984% | 2,478 |
| Memoranda: | ||
| Average total assets | $363,795,500 | 2,146 |
| Average earning assets | $337,944,000 | 2,143 |
| Average equity | $30,931,000 | 2,210 |
| Average total loans | $273,625,500 | 1,903 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3147% | 142 |
| Cost of funding earning assets | 1.3601% | 1,555 |
| Net interest margin | 5.9546% | 112 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.6749% | 1,701 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.9626% | 157 |
| Return on assets (ROA) | 2.9626% | 154 |
| Pretax return on assets | 2.9626% | 213 |
| Return on Equity (ROE) | 35.0200% | 150 |
| Retained earnings to average equity (ytd only) | 9.0696% | 1,666 |
| Net charge-offs to loans | 0.0186% | 1,530 |
| Credit loss provision to net charge-offs | 112.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 222.9200% | 549 |
| Efficiency ratio | 46.4032% | 4,148 |
| Assets per employee ($millions) | 4.9714% | 3,619 |
| Cash dividends to net income (ytd only)* | 74.1018% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 3,722 |
| Loan loss allowance to noncurrent loans | 886.4583% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 2,992 |
| Noncurrent loans to loans | 0.1036% | 2,970 |
| Net loans and leases to total assets | 74.8900% | 1,181 |
| Net loans and leases to deposits | 82.4810% | 1,795 |
| Net loans and leases to core deposits | 90.6245% | 1,755 |
| Total domestic deposits to total assets | 90.7900% | 706 |
| Equity capital to assets | 8.5013% | 2,864 |
| Core capital (leverage) ratio | 8.2991% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4601% | 2,475 |
| Memoranda: | ||
| Average total assets | $360,767,000 | 2,164 |
| Average earning assets | $334,969,667 | 2,163 |
| Average equity | $30,519,667 | 2,246 |
| Average total loans | $268,568,333 | 1,917 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0215% | 116 |
| Cost of funding earning assets | 1.1296% | 1,665 |
| Net interest margin | 5.8919% | 107 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.6685% | 1,749 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.8353% | 178 |
| Return on assets (ROA) | 2.8353% | 175 |
| Pretax return on assets | 2.8353% | 244 |
| Return on Equity (ROE) | 33.6000% | 178 |
| Retained earnings to average equity (ytd only) | 7.7633% | 2,295 |
| Net charge-offs to loans | 0.0455% | 902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 90.5667% | 835 |
| Efficiency ratio | 46.7255% | 4,177 |
| Assets per employee ($millions) | 5.1303% | 3,550 |
| Cash dividends to net income (ytd only)* | 76.8957% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,702 |
| Loan loss allowance to noncurrent loans | 875.0000% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 2,997 |
| Noncurrent loans to loans | 0.1091% | 2,982 |
| Net loans and leases to total assets | 72.8200% | 1,341 |
| Net loans and leases to deposits | 80.1764% | 1,804 |
| Net loans and leases to core deposits | 86.8301% | 1,811 |
| Total domestic deposits to total assets | 90.8200% | 857 |
| Equity capital to assets | 8.5284% | 2,870 |
| Core capital (leverage) ratio | 8.2065% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7150% | 2,491 |
| Memoranda: | ||
| Average total assets | $357,207,000 | 2,209 |
| Average earning assets | $331,097,500 | 2,207 |
| Average equity | $30,142,000 | 2,289 |
| Average total loans | $263,829,500 | 1,957 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 361 |
| Cost of funding earning assets | 0.3889% | 2,186 |
| Net interest margin | 4.5151% | 287 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.5685% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8806% | 365 |
| Return on assets (ROA) | 1.8806% | 353 |
| Pretax return on assets | 1.8806% | 608 |
| Return on Equity (ROE) | 23.2000% | 272 |
| Retained earnings to average equity (ytd only) | 6.1959% | 2,571 |
| Net charge-offs to loans | -0.0016% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.7310% | 3,381 |
| Assets per employee ($millions) | 5.0042% | 3,673 |
| Cash dividends to net income (ytd only)* | 73.2954% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 3,525 |
| Loan loss allowance to noncurrent loans | 809.5238% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 2,927 |
| Noncurrent loans to loans | 0.1195% | 2,925 |
| Net loans and leases to total assets | 73.4800% | 1,267 |
| Net loans and leases to deposits | 80.6049% | 1,728 |
| Net loans and leases to core deposits | 86.0563% | 1,746 |
| Total domestic deposits to total assets | 91.1700% | 888 |
| Equity capital to assets | 8.3471% | 2,815 |
| Core capital (leverage) ratio | 8.2247% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3828% | 2,618 |
| Memoranda: | ||
| Average total assets | $354,832,800 | 2,203 |
| Average earning assets | $330,709,400 | 2,194 |
| Average equity | $28,760,800 | 2,393 |
| Average total loans | $246,103,800 | 1,965 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 553 |
| Cost of funding earning assets | 0.3386% | 1,788 |
| Net interest margin | 4.0858% | 530 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.4165% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6418% | 602 |
| Return on assets (ROA) | 1.6418% | 589 |
| Pretax return on assets | 1.6418% | 1,023 |
| Return on Equity (ROE) | 20.4100% | 399 |
| Retained earnings to average equity (ytd only) | 6.9009% | 2,403 |
| Net charge-offs to loans | -0.0011% | 3,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.5443% | 3,172 |
| Assets per employee ($millions) | 4.3710% | 4,141 |
| Cash dividends to net income (ytd only)* | 66.1859% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,355 |
| Loan loss allowance to noncurrent loans | 736.4162% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 2,953 |
| Noncurrent loans to loans | 0.1397% | 2,930 |
| Net loans and leases to total assets | 70.9900% | 1,394 |
| Net loans and leases to deposits | 77.9707% | 1,712 |
| Net loans and leases to core deposits | 81.8118% | 1,778 |
| Total domestic deposits to total assets | 91.0500% | 1,219 |
| Equity capital to assets | 8.3342% | 2,653 |
| Core capital (leverage) ratio | 8.0321% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1150% | 2,421 |
| Memoranda: | ||
| Average total assets | $354,717,000 | 2,220 |
| Average earning assets | $331,578,000 | 2,200 |
| Average equity | $28,536,750 | 2,435 |
| Average total loans | $241,720,250 | 1,987 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 826 |
| Cost of funding earning assets | 0.3332% | 1,411 |
| Net interest margin | 3.7337% | 863 |
| Noninterest income to average assets | 0.2336% | 3,780 |
| Noninterest expense to average assets | 2.4194% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3089% | 1,112 |
| Return on assets (ROA) | 1.3089% | 1,094 |
| Pretax return on assets | 1.3089% | 1,719 |
| Return on Equity (ROE) | 16.4605% | 641 |
| Retained earnings to average equity (ytd only) | 3.9359% | 3,107 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8928% | 2,651 |
| Assets per employee ($millions) | 4.6407% | 3,978 |
| Cash dividends to net income (ytd only)* | 76.0888% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,356 |
| Loan loss allowance to noncurrent loans | 198.4412% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 1,578 |
| Noncurrent loans to loans | 0.5307% | 1,562 |
| Net loans and leases to total assets | 66.0893% | 1,678 |
| Net loans and leases to deposits | 71.9627% | 2,030 |
| Net loans and leases to core deposits | 75.5009% | 2,056 |
| Total domestic deposits to total assets | 91.8383% | 913 |
| Equity capital to assets | 7.8026% | 3,264 |
| Core capital (leverage) ratio | 7.5772% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9369% | 2,522 |
| Memoranda: | ||
| Average total assets | $357,852,000 | 2,212 |
| Average earning assets | $334,951,000 | 2,205 |
| Average equity | $28,456,000 | 2,499 |
| Average total loans | $239,726,667 | 1,998 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 879 |
| Cost of funding earning assets | 0.3435% | 1,262 |
| Net interest margin | 3.5837% | 924 |
| Noninterest income to average assets | 0.2327% | 3,752 |
| Noninterest expense to average assets | 2.4396% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1479% | 1,384 |
| Return on assets (ROA) | 1.1479% | 1,383 |
| Pretax return on assets | 1.1479% | 1,992 |
| Return on Equity (ROE) | 14.2985% | 773 |
| Retained earnings to average equity (ytd only) | 1.8206% | 3,588 |
| Net charge-offs to loans | -0.0034% | 3,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0038% | 2,506 |
| Assets per employee ($millions) | 5.0426% | 3,716 |
| Cash dividends to net income (ytd only)* | 87.2674% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,450 |
| Loan loss allowance to noncurrent loans | 257.8947% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 2,023 |
| Noncurrent loans to loans | 0.4157% | 2,002 |
| Net loans and leases to total assets | 65.6715% | 1,446 |
| Net loans and leases to deposits | 71.5650% | 1,817 |
| Net loans and leases to core deposits | 74.7801% | 1,870 |
| Total domestic deposits to total assets | 91.7648% | 669 |
| Equity capital to assets | 7.8403% | 3,691 |
| Core capital (leverage) ratio | 7.5956% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8362% | 2,662 |
| Memoranda: | ||
| Average total assets | $355,792,500 | 2,231 |
| Average earning assets | $333,062,500 | 2,220 |
| Average equity | $28,562,500 | 2,565 |
| Average total loans | $238,705,000 | 2,000 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 359 |
| Cost of funding earning assets | 0.5215% | 836 |
| Net interest margin | 4.2736% | 431 |
| Noninterest income to average assets | 0.2703% | 3,774 |
| Noninterest expense to average assets | 2.3539% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9045% | 405 |
| Return on assets (ROA) | 1.9045% | 427 |
| Pretax return on assets | 1.9045% | 716 |
| Return on Equity (ROE) | 22.5448% | 200 |
| Retained earnings to average equity (ytd only) | 4.3547% | 3,069 |
| Net charge-offs to loans | -0.0020% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2763% | 3,789 |
| Assets per employee ($millions) | 4.8433% | 3,854 |
| Cash dividends to net income (ytd only)* | 80.6840% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,512 |
| Loan loss allowance to noncurrent loans | 252.0792% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 2,111 |
| Noncurrent loans to loans | 0.4213% | 2,087 |
| Net loans and leases to total assets | 67.0878% | 1,365 |
| Net loans and leases to deposits | 73.3967% | 1,780 |
| Net loans and leases to core deposits | 77.5739% | 1,798 |
| Total domestic deposits to total assets | 91.4043% | 341 |
| Equity capital to assets | 8.2178% | 4,222 |
| Core capital (leverage) ratio | 7.6301% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6611% | 2,732 |
| Memoranda: | ||
| Average total assets | $348,485,000 | 2,206 |
| Average earning assets | $325,204,000 | 2,207 |
| Average equity | $29,439,200 | 2,569 |
| Average total loans | $248,031,000 | 1,942 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0220% | 291 |
| Cost of funding earning assets | 0.5609% | 787 |
| Net interest margin | 4.4611% | 336 |
| Noninterest income to average assets | 0.2277% | 4,042 |
| Noninterest expense to average assets | 2.3278% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0567% | 423 |
| Return on assets (ROA) | 2.0567% | 445 |
| Pretax return on assets | 2.0567% | 723 |
| Return on Equity (ROE) | 24.1784% | 201 |
| Retained earnings to average equity (ytd only) | 9.3400% | 1,558 |
| Net charge-offs to loans | -0.0027% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0916% | 3,911 |
| Assets per employee ($millions) | 4.2421% | 4,307 |
| Cash dividends to net income (ytd only)* | 61.3704% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,536 |
| Loan loss allowance to noncurrent loans | 253.3333% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 2,327 |
| Noncurrent loans to loans | 0.4260% | 2,284 |
| Net loans and leases to total assets | 67.0925% | 1,418 |
| Net loans and leases to deposits | 73.7714% | 1,882 |
| Net loans and leases to core deposits | 78.5934% | 1,849 |
| Total domestic deposits to total assets | 90.9465% | 385 |
| Equity capital to assets | 8.6456% | 4,105 |
| Core capital (leverage) ratio | 7.9198% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0415% | 2,696 |
| Memoranda: | ||
| Average total assets | $347,215,750 | 2,235 |
| Average earning assets | $323,531,000 | 2,237 |
| Average equity | $29,535,250 | 2,601 |
| Average total loans | $250,103,000 | 1,957 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4744% | 181 |
| Cost of funding earning assets | 0.6091% | 716 |
| Net interest margin | 4.8653% | 204 |
| Noninterest income to average assets | 0.2236% | 4,064 |
| Noninterest expense to average assets | 2.3262% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4230% | 242 |
| Return on assets (ROA) | 2.4230% | 258 |
| Pretax return on assets | 2.4230% | 401 |
| Return on Equity (ROE) | 28.6418% | 112 |
| Retained earnings to average equity (ytd only) | 13.9871% | 542 |
| Net charge-offs to loans | -0.0031% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9806% | 4,325 |
| Assets per employee ($millions) | 4.3798% | 4,197 |
| Cash dividends to net income (ytd only)* | 51.1656% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,796 |
| Loan loss allowance to noncurrent loans | 269.0275% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 2,579 |
| Noncurrent loans to loans | 0.3747% | 2,559 |
| Net loans and leases to total assets | 71.3236% | 1,040 |
| Net loans and leases to deposits | 78.3627% | 1,581 |
| Net loans and leases to core deposits | 83.5024% | 1,605 |
| Total domestic deposits to total assets | 91.0172% | 370 |
| Equity capital to assets | 8.6012% | 4,130 |
| Core capital (leverage) ratio | 7.8734% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9319% | 2,740 |
| Memoranda: | ||
| Average total assets | $347,003,000 | 2,217 |
| Average earning assets | $322,774,667 | 2,231 |
| Average equity | $29,355,667 | 2,607 |
| Average total loans | $254,827,333 | 1,941 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0844% | 97 |
| Cost of funding earning assets | 0.7020% | 545 |
| Net interest margin | 5.3824% | 115 |
| Noninterest income to average assets | 0.2270% | 4,020 |
| Noninterest expense to average assets | 2.3874% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.8403% | 174 |
| Return on assets (ROA) | 2.8403% | 197 |
| Pretax return on assets | 2.8403% | 286 |
| Return on Equity (ROE) | 33.8616% | 93 |
| Retained earnings to average equity (ytd only) | 19.8308% | 276 |
| Net charge-offs to loans | -0.0031% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6681% | 4,485 |
| Assets per employee ($millions) | 4.5435% | 4,067 |
| Cash dividends to net income (ytd only)* | 41.4356% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 3,905 |
| Loan loss allowance to noncurrent loans | 140.3422% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 1,830 |
| Noncurrent loans to loans | 0.7009% | 1,838 |
| Net loans and leases to total assets | 73.1707% | 887 |
| Net loans and leases to deposits | 80.3217% | 1,493 |
| Net loans and leases to core deposits | 85.3118% | 1,569 |
| Total domestic deposits to total assets | 91.0971% | 368 |
| Equity capital to assets | 8.4704% | 4,140 |
| Core capital (leverage) ratio | 7.7310% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5388% | 2,808 |
| Memoranda: | ||
| Average total assets | $345,313,500 | 2,211 |
| Average earning assets | $320,820,500 | 2,218 |
| Average equity | $28,965,000 | 2,621 |
| Average total loans | $256,016,000 | 1,935 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 261 |
| Cost of funding earning assets | 1.0330% | 526 |
| Net interest margin | 4.2702% | 542 |
| Noninterest income to average assets | 0.2207% | 4,173 |
| Noninterest expense to average assets | 2.3672% | 3,216 |
| Loan and lease loss provision to assets | 0.1383% | 2,629 |
| Net operating income to assets | 1.6684% | 543 |
| Return on assets (ROA) | 1.6684% | 586 |
| Pretax return on assets | 1.6684% | 910 |
| Return on Equity (ROE) | 19.7671% | 245 |
| Retained earnings to average equity (ytd only) | 6.3544% | 1,647 |
| Net charge-offs to loans | 0.1632% | 1,010 |
| Credit loss provision to net charge-offs | 107.1942% | 2,750 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,246 |
| Efficiency ratio | 56.7139% | 3,894 |
| Assets per employee ($millions) | 4.4256% | 3,994 |
| Cash dividends to net income (ytd only)* | 67.8538% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,857 |
| Loan loss allowance to noncurrent loans | 126.6700% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 1,790 |
| Noncurrent loans to loans | 0.7913% | 1,757 |
| Net loans and leases to total assets | 73.6435% | 1,070 |
| Net loans and leases to deposits | 80.7321% | 1,789 |
| Net loans and leases to core deposits | 87.8130% | 1,709 |
| Total domestic deposits to total assets | 91.2197% | 174 |
| Equity capital to assets | 8.3035% | 4,574 |
| Core capital (leverage) ratio | 7.5357% | 4,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7396% | 2,983 |
| Memoranda: | ||
| Average total assets | $323,129,800 | 2,171 |
| Average earning assets | $299,142,200 | 2,188 |
| Average equity | $27,272,600 | 2,659 |
| Average total loans | $255,541,800 | 1,899 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 299 |
| Cost of funding earning assets | 1.0774% | 579 |
| Net interest margin | 4.2865% | 604 |
| Noninterest income to average assets | 0.1841% | 4,374 |
| Noninterest expense to average assets | 2.4192% | 3,084 |
| Loan and lease loss provision to assets | 0.1032% | 3,031 |
| Net operating income to assets | 1.6261% | 682 |
| Return on assets (ROA) | 1.6261% | 754 |
| Pretax return on assets | 1.6261% | 1,115 |
| Return on Equity (ROE) | 19.1827% | 286 |
| Retained earnings to average equity (ytd only) | 6.1442% | 2,046 |
| Net charge-offs to loans | 0.0359% | 2,114 |
| Credit loss provision to net charge-offs | 357.9710% | 1,585 |
| Earnings coverage of net charge-offs (x) | 59.9130% | 1,098 |
| Efficiency ratio | 58.3140% | 3,624 |
| Assets per employee ($millions) | 4.3802% | 3,975 |
| Cash dividends to net income (ytd only)* | 67.9702% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,579 |
| Loan loss allowance to noncurrent loans | 169.3325% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 2,238 |
| Noncurrent loans to loans | 0.6063% | 2,286 |
| Net loans and leases to total assets | 78.9074% | 724 |
| Net loans and leases to deposits | 86.6801% | 1,622 |
| Net loans and leases to core deposits | 94.9844% | 1,543 |
| Total domestic deposits to total assets | 91.0330% | 167 |
| Equity capital to assets | 8.4623% | 4,483 |
| Core capital (leverage) ratio | 7.6277% | 4,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6014% | 3,008 |
| Memoranda: | ||
| Average total assets | $318,718,750 | 2,176 |
| Average earning assets | $294,778,250 | 2,186 |
| Average equity | $27,016,750 | 2,666 |
| Average total loans | $256,052,500 | 1,886 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6456% | 258 |
| Cost of funding earning assets | 1.1225% | 666 |
| Net interest margin | 4.5231% | 479 |
| Noninterest income to average assets | 0.1807% | 4,379 |
| Noninterest expense to average assets | 2.4733% | 3,039 |
| Loan and lease loss provision to assets | 0.1566% | 2,434 |
| Net operating income to assets | 1.7226% | 600 |
| Return on assets (ROA) | 1.7226% | 654 |
| Pretax return on assets | 1.7226% | 953 |
| Return on Equity (ROE) | 20.3097% | 232 |
| Retained earnings to average equity (ytd only) | 8.0357% | 1,290 |
| Net charge-offs to loans | 0.0425% | 1,896 |
| Credit loss provision to net charge-offs | 457.4074% | 1,293 |
| Earnings coverage of net charge-offs (x) | 54.8889% | 1,032 |
| Efficiency ratio | 56.8245% | 3,843 |
| Assets per employee ($millions) | 4.2304% | 4,070 |
| Cash dividends to net income (ytd only)* | 60.4343% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,423 |
| Loan loss allowance to noncurrent loans | 137.3286% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 1,920 |
| Noncurrent loans to loans | 0.7488% | 2,008 |
| Net loans and leases to total assets | 78.8701% | 741 |
| Net loans and leases to deposits | 86.5243% | 1,712 |
| Net loans and leases to core deposits | 95.3729% | 1,623 |
| Total domestic deposits to total assets | 91.1537% | 123 |
| Equity capital to assets | 8.3708% | 4,552 |
| Core capital (leverage) ratio | 7.5871% | 4,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4793% | 3,089 |
| Memoranda: | ||
| Average total assets | $315,453,667 | 2,172 |
| Average earning assets | $290,950,000 | 2,180 |
| Average equity | $26,755,667 | 2,667 |
| Average total loans | $254,099,667 | 1,872 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4974% | 380 |
| Cost of funding earning assets | 1.2059% | 760 |
| Net interest margin | 4.2915% | 770 |
| Noninterest income to average assets | 0.2038% | 4,331 |
| Noninterest expense to average assets | 2.6191% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5198% | 747 |
| Return on assets (ROA) | 1.5198% | 816 |
| Pretax return on assets | 1.5198% | 1,257 |
| Return on Equity (ROE) | 17.7943% | 286 |
| Retained earnings to average equity (ytd only) | 2.5985% | 3,230 |
| Net charge-offs to loans | 0.0144% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 130.1111% | 479 |
| Efficiency ratio | 63.2800% | 3,330 |
| Assets per employee ($millions) | 4.0994% | 3,786 |
| Cash dividends to net income (ytd only)* | 85.3971% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,661 |
| Loan loss allowance to noncurrent loans | 93.4628% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 1,494 |
| Noncurrent loans to loans | 1.0790% | 1,540 |
| Net loans and leases to total assets | 78.8321% | 854 |
| Net loans and leases to deposits | 86.6786% | 1,914 |
| Net loans and leases to core deposits | 95.8728% | 1,802 |
| Total domestic deposits to total assets | 90.9476% | 113 |
| Equity capital to assets | 8.5093% | 4,829 |
| Core capital (leverage) ratio | 7.7720% | 5,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9151% | 3,340 |
| Memoranda: | ||
| Average total assets | $308,196,500 | 2,158 |
| Average earning assets | $282,605,000 | 2,187 |
| Average equity | $26,323,000 | 2,690 |
| Average total loans | $249,674,500 | 1,858 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0765% | 202 |
| Cost of funding earning assets | 1.2201% | 979 |
| Net interest margin | 4.8564% | 360 |
| Noninterest income to average assets | 0.2950% | 3,922 |
| Noninterest expense to average assets | 2.7478% | 2,759 |
| Loan and lease loss provision to assets | 0.0755% | 2,486 |
| Net operating income to assets | 1.9202% | 415 |
| Return on assets (ROA) | 1.9202% | 431 |
| Pretax return on assets | 1.9202% | 712 |
| Return on Equity (ROE) | 22.8645% | 118 |
| Retained earnings to average equity (ytd only) | 6.5243% | 1,601 |
| Net charge-offs to loans | 0.0388% | 2,606 |
| Credit loss provision to net charge-offs | 240.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 63.4526% | 946 |
| Efficiency ratio | 57.9285% | 3,975 |
| Assets per employee ($millions) | 4.0645% | 3,826 |
| Cash dividends to net income (ytd only)* | 71.4655% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,521 |
| Loan loss allowance to noncurrent loans | 189.3665% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 2,508 |
| Noncurrent loans to loans | 0.5278% | 2,601 |
| Net loans and leases to total assets | 81.5943% | 600 |
| Net loans and leases to deposits | 89.8917% | 1,604 |
| Net loans and leases to core deposits | 97.5871% | 1,762 |
| Total domestic deposits to total assets | 90.7696% | 153 |
| Equity capital to assets | 8.5733% | 4,879 |
| Core capital (leverage) ratio | 7.7173% | 5,082 |
| Tier 1 risk-based capital ratio | 9.8662% | 5,133 |
| Total risk-based capital ratio | 10.9150% | 5,131 |
| Memoranda: | ||
| Average total assets | $302,056,400 | 2,155 |
| Average earning assets | $276,689,000 | 2,167 |
| Average equity | $25,366,800 | 2,691 |
| Average total loans | $244,796,800 | 1,857 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1215% | 196 |
| Cost of funding earning assets | 1.1962% | 1,049 |
| Net interest margin | 4.9253% | 331 |
| Noninterest income to average assets | 0.2978% | 3,959 |
| Noninterest expense to average assets | 2.7758% | 2,635 |
| Loan and lease loss provision to assets | 0.0655% | 2,580 |
| Net operating income to assets | 1.9688% | 419 |
| Return on assets (ROA) | 1.9688% | 439 |
| Pretax return on assets | 1.9688% | 737 |
| Return on Equity (ROE) | 23.5680% | 120 |
| Retained earnings to average equity (ytd only) | 7.7854% | 1,498 |
| Net charge-offs to loans | 0.0515% | 2,093 |
| Credit loss provision to net charge-offs | 157.4468% | 1,576 |
| Earnings coverage of net charge-offs (x) | 48.9149% | 1,216 |
| Efficiency ratio | 57.7079% | 3,978 |
| Assets per employee ($millions) | 3.7154% | 4,261 |
| Cash dividends to net income (ytd only)* | 66.9662% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,755 |
| Loan loss allowance to noncurrent loans | 192.8628% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 2,754 |
| Noncurrent loans to loans | 0.5008% | 2,792 |
| Net loans and leases to total assets | 79.8978% | 861 |
| Net loans and leases to deposits | 87.7199% | 1,972 |
| Net loans and leases to core deposits | 95.3210% | 2,051 |
| Total domestic deposits to total assets | 91.0828% | 93 |
| Equity capital to assets | 8.3090% | 5,063 |
| Core capital (leverage) ratio | 7.6654% | 5,169 |
| Tier 1 risk-based capital ratio | 9.8135% | 5,210 |
| Total risk-based capital ratio | 10.8319% | 5,206 |
| Memoranda: | ||
| Average total assets | $301,360,250 | 2,177 |
| Average earning assets | $276,092,000 | 2,183 |
| Average equity | $25,174,750 | 2,719 |
| Average total loans | $243,185,000 | 1,874 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1343% | 191 |
| Cost of funding earning assets | 1.1632% | 1,096 |
| Net interest margin | 4.9711% | 305 |
| Noninterest income to average assets | 0.2935% | 3,972 |
| Noninterest expense to average assets | 2.8068% | 2,563 |
| Loan and lease loss provision to assets | 0.0625% | 2,570 |
| Net operating income to assets | 1.9652% | 410 |
| Return on assets (ROA) | 1.9652% | 432 |
| Pretax return on assets | 1.9652% | 728 |
| Return on Equity (ROE) | 23.4810% | 127 |
| Retained earnings to average equity (ytd only) | 8.9157% | 1,053 |
| Net charge-offs to loans | 0.0791% | 1,575 |
| Credit loss provision to net charge-offs | 97.8947% | 2,032 |
| Earnings coverage of net charge-offs (x) | 31.7789% | 1,422 |
| Efficiency ratio | 58.0578% | 4,002 |
| Assets per employee ($millions) | 3.8004% | 4,124 |
| Cash dividends to net income (ytd only)* | 62.0301% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,808 |
| Loan loss allowance to noncurrent loans | 90.3766% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 1,536 |
| Noncurrent loans to loans | 1.0671% | 1,538 |
| Net loans and leases to total assets | 80.2568% | 846 |
| Net loans and leases to deposits | 88.1466% | 1,990 |
| Net loans and leases to core deposits | 95.6338% | 2,108 |
| Total domestic deposits to total assets | 91.0492% | 96 |
| Equity capital to assets | 8.4117% | 5,075 |
| Core capital (leverage) ratio | 7.6436% | 5,218 |
| Tier 1 risk-based capital ratio | 9.8805% | 5,241 |
| Total risk-based capital ratio | 10.8978% | 5,242 |
| Memoranda: | ||
| Average total assets | $297,782,000 | 2,196 |
| Average earning assets | $272,011,330 | 2,215 |
| Average equity | $24,922,330 | 2,731 |
| Average total loans | $240,317,000 | 1,895 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 206 |
| Cost of funding earning assets | 1.1108% | 1,153 |
| Net interest margin | 4.9425% | 312 |
| Noninterest income to average assets | 0.2959% | 3,898 |
| Noninterest expense to average assets | 2.8141% | 2,524 |
| Loan and lease loss provision to assets | 0.1262% | 1,391 |
| Net operating income to assets | 1.8557% | 503 |
| Return on assets (ROA) | 1.8557% | 518 |
| Pretax return on assets | 1.8557% | 868 |
| Return on Equity (ROE) | 22.2308% | 169 |
| Retained earnings to average equity (ytd only) | 7.6434% | 1,791 |
| Net charge-offs to loans | 0.1618% | 834 |
| Credit loss provision to net charge-offs | 96.8750% | 1,654 |
| Earnings coverage of net charge-offs (x) | 15.2083% | 1,754 |
| Efficiency ratio | 58.6753% | 3,990 |
| Assets per employee ($millions) | 4.2413% | 3,559 |
| Cash dividends to net income (ytd only)* | 65.6181% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,693 |
| Loan loss allowance to noncurrent loans | 92.4844% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8933% | 1,578 |
| Noncurrent loans to loans | 1.0840% | 1,534 |
| Net loans and leases to total assets | 77.8850% | 1,177 |
| Net loans and leases to deposits | 85.3457% | 2,208 |
| Net loans and leases to core deposits | 92.1085% | 2,289 |
| Total domestic deposits to total assets | 91.2583% | 125 |
| Equity capital to assets | 8.2552% | 5,103 |
| Core capital (leverage) ratio | 7.7138% | 5,256 |
| Tier 1 risk-based capital ratio | 9.9890% | 5,287 |
| Total risk-based capital ratio | 11.0465% | 5,280 |
| Memoranda: | ||
| Average total assets | $294,658,500 | 2,224 |
| Average earning assets | $268,286,500 | 2,253 |
| Average equity | $24,596,500 | 2,754 |
| Average total loans | $237,285,500 | 1,939 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8600% | 215 |
| Cost of funding earning assets | 0.7308% | 1,898 |
| Net interest margin | 5.1292% | 212 |
| Noninterest income to average assets | 0.3374% | 3,861 |
| Noninterest expense to average assets | 2.9242% | 2,262 |
| Loan and lease loss provision to assets | 0.1458% | 1,465 |
| Net operating income to assets | 1.9317% | 412 |
| Return on assets (ROA) | 1.9317% | 408 |
| Pretax return on assets | 1.9317% | 661 |
| Return on Equity (ROE) | 22.6307% | 141 |
| Retained earnings to average equity (ytd only) | 7.0042% | 1,669 |
| Net charge-offs to loans | 0.0224% | 2,973 |
| Credit loss provision to net charge-offs | 780.3922% | 456 |
| Earnings coverage of net charge-offs (x) | 111.1961% | 686 |
| Efficiency ratio | 58.4633% | 4,086 |
| Assets per employee ($millions) | 3.6947% | 4,326 |
| Cash dividends to net income (ytd only)* | 69.0499% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,681 |
| Loan loss allowance to noncurrent loans | 481.3765% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 3,754 |
| Noncurrent loans to loans | 0.2079% | 3,837 |
| Net loans and leases to total assets | 81.6424% | 708 |
| Net loans and leases to deposits | 89.6312% | 1,844 |
| Net loans and leases to core deposits | 95.2848% | 2,110 |
| Total domestic deposits to total assets | 91.0870% | 182 |
| Equity capital to assets | 8.4439% | 4,971 |
| Core capital (leverage) ratio | 8.0047% | 5,232 |
| Tier 1 risk-based capital ratio | 9.7564% | 5,348 |
| Total risk-based capital ratio | 10.8126% | 5,343 |
| Memoranda: | ||
| Average total assets | $272,966,600 | 2,309 |
| Average earning assets | $248,224,600 | 2,353 |
| Average equity | $23,300,200 | 2,787 |
| Average total loans | $227,881,400 | 1,964 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7677% | 231 |
| Cost of funding earning assets | 0.6851% | 1,945 |
| Net interest margin | 5.0826% | 224 |
| Noninterest income to average assets | 0.3413% | 3,863 |
| Noninterest expense to average assets | 2.9929% | 2,037 |
| Loan and lease loss provision to assets | 0.1709% | 1,093 |
| Net operating income to assets | 1.8041% | 597 |
| Return on assets (ROA) | 1.8041% | 601 |
| Pretax return on assets | 1.8041% | 1,005 |
| Return on Equity (ROE) | 21.0743% | 205 |
| Retained earnings to average equity (ytd only) | 5.1615% | 3,149 |
| Net charge-offs to loans | 0.0426% | 2,242 |
| Credit loss provision to net charge-offs | 479.1667% | 730 |
| Earnings coverage of net charge-offs (x) | 55.3736% | 1,107 |
| Efficiency ratio | 60.2453% | 3,786 |
| Assets per employee ($millions) | 3.9327% | 3,993 |
| Cash dividends to net income (ytd only)* | 75.5080% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,731 |
| Loan loss allowance to noncurrent loans | 683.6795% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 4,103 |
| Noncurrent loans to loans | 0.1468% | 4,229 |
| Net loans and leases to total assets | 83.7248% | 488 |
| Net loans and leases to deposits | 92.1664% | 1,597 |
| Net loans and leases to core deposits | 97.0802% | 2,016 |
| Total domestic deposits to total assets | 90.8408% | 259 |
| Equity capital to assets | 8.6812% | 4,811 |
| Core capital (leverage) ratio | 7.8650% | 5,346 |
| Tier 1 risk-based capital ratio | 9.8189% | 5,410 |
| Total risk-based capital ratio | 10.8848% | 5,402 |
| Memoranda: | ||
| Average total assets | $269,161,750 | 2,347 |
| Average earning assets | $245,012,500 | 2,386 |
| Average equity | $23,041,750 | 2,825 |
| Average total loans | $225,436,750 | 1,989 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6436% | 258 |
| Cost of funding earning assets | 0.6515% | 1,921 |
| Net interest margin | 4.9921% | 249 |
| Noninterest income to average assets | 0.3375% | 3,928 |
| Noninterest expense to average assets | 3.0712% | 1,858 |
| Loan and lease loss provision to assets | 0.2198% | 745 |
| Net operating income to assets | 1.5796% | 962 |
| Return on assets (ROA) | 1.5796% | 969 |
| Pretax return on assets | 1.5796% | 1,570 |
| Return on Equity (ROE) | 18.5396% | 372 |
| Retained earnings to average equity (ytd only) | 2.6410% | 4,197 |
| Net charge-offs to loans | 0.0553% | 1,814 |
| Credit loss provision to net charge-offs | 475.8065% | 731 |
| Earnings coverage of net charge-offs (x) | 38.9516% | 1,322 |
| Efficiency ratio | 63.0564% | 3,460 |
| Assets per employee ($millions) | 3.7726% | 4,247 |
| Cash dividends to net income (ytd only)* | 85.7547% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,854 |
| Loan loss allowance to noncurrent loans | 1,308.6705% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,146 |
| Noncurrent loans to loans | 0.0763% | 4,580 |
| Net loans and leases to total assets | 82.6549% | 632 |
| Net loans and leases to deposits | 90.7446% | 1,742 |
| Net loans and leases to core deposits | 104.9759% | 1,315 |
| Total domestic deposits to total assets | 91.0852% | 231 |
| Equity capital to assets | 8.4693% | 4,968 |
| Core capital (leverage) ratio | 7.5867% | 5,431 |
| Tier 1 risk-based capital ratio | 9.6952% | 5,480 |
| Total risk-based capital ratio | 10.7589% | 5,477 |
| Memoranda: | ||
| Average total assets | $268,430,000 | 2,361 |
| Average earning assets | $243,746,330 | 2,408 |
| Average equity | $22,870,000 | 2,852 |
| Average total loans | $224,083,330 | 1,996 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4749% | 291 |
| Cost of funding earning assets | 0.6127% | 1,958 |
| Net interest margin | 4.8622% | 300 |
| Noninterest income to average assets | 0.3208% | 4,010 |
| Noninterest expense to average assets | 3.0236% | 2,018 |
| Loan and lease loss provision to assets | 0.1649% | 1,084 |
| Net operating income to assets | 1.5455% | 964 |
| Return on assets (ROA) | 1.5455% | 971 |
| Pretax return on assets | 1.5455% | 1,543 |
| Return on Equity (ROE) | 18.0857% | 398 |
| Retained earnings to average equity (ytd only) | 2.2805% | 4,252 |
| Net charge-offs to loans | 0.1149% | 1,092 |
| Credit loss provision to net charge-offs | 171.8750% | 1,151 |
| Earnings coverage of net charge-offs (x) | 17.8281% | 1,559 |
| Efficiency ratio | 63.8695% | 3,500 |
| Assets per employee ($millions) | 3.8765% | 4,184 |
| Cash dividends to net income (ytd only)* | 87.3909% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 4,252 |
| Loan loss allowance to noncurrent loans | 659.3651% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 3,993 |
| Noncurrent loans to loans | 0.1430% | 4,325 |
| Net loans and leases to total assets | 80.4205% | 883 |
| Net loans and leases to deposits | 88.2195% | 1,904 |
| Net loans and leases to core deposits | 101.8263% | 1,545 |
| Total domestic deposits to total assets | 91.1596% | 268 |
| Equity capital to assets | 8.4225% | 5,032 |
| Core capital (leverage) ratio | 7.8526% | 5,431 |
| Tier 1 risk-based capital ratio | 9.9625% | 5,510 |
| Total risk-based capital ratio | 10.9737% | 5,515 |
| Memoranda: | ||
| Average total assets | $266,831,500 | 2,389 |
| Average earning assets | $242,194,000 | 2,438 |
| Average equity | $22,802,500 | 2,887 |
| Average total loans | $222,736,500 | 2,016 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3437% | 341 |
| Cost of funding earning assets | 0.4955% | 2,373 |
| Net interest margin | 4.8481% | 315 |
| Noninterest income to average assets | 0.3786% | 3,768 |
| Noninterest expense to average assets | 2.9933% | 2,183 |
| Loan and lease loss provision to assets | 0.3224% | 520 |
| Net operating income to assets | 1.4709% | 868 |
| Return on assets (ROA) | 1.4709% | 877 |
| Pretax return on assets | 1.4709% | 1,745 |
| Return on Equity (ROE) | 17.0891% | 388 |
| Retained earnings to average equity (ytd only) | 4.2948% | 2,581 |
| Net charge-offs to loans | 0.1883% | 1,345 |
| Credit loss provision to net charge-offs | 203.1707% | 1,346 |
| Earnings coverage of net charge-offs (x) | 11.3000% | 2,583 |
| Efficiency ratio | 62.5344% | 3,855 |
| Assets per employee ($millions) | 3.5447% | 4,642 |
| Cash dividends to net income (ytd only)* | 74.8684% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 4,466 |
| Loan loss allowance to noncurrent loans | 355.0699% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,566 |
| Noncurrent loans to loans | 0.2540% | 3,875 |
| Net loans and leases to total assets | 85.0679% | 341 |
| Net loans and leases to deposits | 93.5884% | 1,317 |
| Net loans and leases to core deposits | 107.7034% | 1,153 |
| Total domestic deposits to total assets | 90.8958% | 268 |
| Equity capital to assets | 8.6730% | 4,974 |
| Core capital (leverage) ratio | 7.9740% | 5,457 |
| Tier 1 risk-based capital ratio | 9.6487% | 5,585 |
| Total risk-based capital ratio | 10.6125% | 5,601 |
| Memoranda: | ||
| Average total assets | $258,344,000 | 2,430 |
| Average earning assets | $234,895,400 | 2,461 |
| Average equity | $22,236,400 | 2,932 |
| Average total loans | $217,779,800 | 2,016 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2548% | 379 |
| Cost of funding earning assets | 0.4706% | 2,516 |
| Net interest margin | 4.7842% | 348 |
| Noninterest income to average assets | 0.3772% | 3,831 |
| Noninterest expense to average assets | 2.9463% | 2,262 |
| Loan and lease loss provision to assets | 0.3228% | 471 |
| Net operating income to assets | 1.4641% | 968 |
| Return on assets (ROA) | 1.4641% | 983 |
| Pretax return on assets | 1.4641% | 1,902 |
| Return on Equity (ROE) | 17.0432% | 415 |
| Retained earnings to average equity (ytd only) | 3.9502% | 3,568 |
| Net charge-offs to loans | 0.2532% | 859 |
| Credit loss provision to net charge-offs | 151.9512% | 1,674 |
| Earnings coverage of net charge-offs (x) | 8.4122% | 2,786 |
| Efficiency ratio | 62.2482% | 3,843 |
| Assets per employee ($millions) | 4.0071% | 3,983 |
| Cash dividends to net income (ytd only)* | 76.8222% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 4,809 |
| Loan loss allowance to noncurrent loans | 396.7320% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 3,900 |
| Noncurrent loans to loans | 0.2094% | 4,237 |
| Net loans and leases to total assets | 84.7545% | 359 |
| Net loans and leases to deposits | 93.2847% | 1,384 |
| Net loans and leases to core deposits | 106.6369% | 1,229 |
| Total domestic deposits to total assets | 90.8557% | 221 |
| Equity capital to assets | 8.7574% | 5,111 |
| Core capital (leverage) ratio | 7.7401% | 5,585 |
| Tier 1 risk-based capital ratio | 9.7350% | 5,642 |
| Total risk-based capital ratio | 10.6199% | 5,668 |
| Memoranda: | ||
| Average total assets | $257,353,000 | 2,452 |
| Average earning assets | $234,320,250 | 2,478 |
| Average equity | $22,108,000 | 2,964 |
| Average total loans | $215,932,000 | 2,037 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 414 |
| Cost of funding earning assets | 0.4370% | 2,733 |
| Net interest margin | 4.7408% | 364 |
| Noninterest income to average assets | 0.3796% | 3,835 |
| Noninterest expense to average assets | 2.9583% | 2,240 |
| Loan and lease loss provision to assets | 0.3066% | 487 |
| Net operating income to assets | 1.4345% | 991 |
| Return on assets (ROA) | 1.4345% | 1,019 |
| Pretax return on assets | 1.4345% | 1,879 |
| Return on Equity (ROE) | 16.8069% | 430 |
| Retained earnings to average equity (ytd only) | 3.7561% | 3,456 |
| Net charge-offs to loans | 0.1731% | 1,133 |
| Credit loss provision to net charge-offs | 212.3656% | 1,219 |
| Earnings coverage of net charge-offs (x) | 12.0591% | 2,224 |
| Efficiency ratio | 62.9501% | 3,829 |
| Assets per employee ($millions) | 4.1716% | 3,675 |
| Cash dividends to net income (ytd only)* | 77.6515% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 4,834 |
| Loan loss allowance to noncurrent loans | 633.1010% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 4,767 |
| Noncurrent loans to loans | 0.1331% | 4,585 |
| Net loans and leases to total assets | 80.0882% | 939 |
| Net loans and leases to deposits | 87.7135% | 2,024 |
| Net loans and leases to core deposits | 103.0855% | 1,433 |
| Total domestic deposits to total assets | 91.3065% | 156 |
| Equity capital to assets | 8.3204% | 5,400 |
| Core capital (leverage) ratio | 7.5733% | 5,641 |
| Tier 1 risk-based capital ratio | 9.8397% | 5,667 |
| Total risk-based capital ratio | 10.7435% | 5,696 |
| Memoranda: | ||
| Average total assets | $257,652,000 | 2,460 |
| Average earning assets | $234,772,000 | 2,491 |
| Average equity | $21,991,000 | 2,973 |
| Average total loans | $214,849,670 | 2,047 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 399 |
| Cost of funding earning assets | 0.4012% | 2,983 |
| Net interest margin | 4.7675% | 325 |
| Noninterest income to average assets | 0.4127% | 3,574 |
| Noninterest expense to average assets | 3.0531% | 2,003 |
| Loan and lease loss provision to assets | 0.2451% | 626 |
| Net operating income to assets | 1.4546% | 886 |
| Return on assets (ROA) | 1.4546% | 908 |
| Pretax return on assets | 1.4546% | 1,681 |
| Return on Equity (ROE) | 16.8194% | 431 |
| Retained earnings to average equity (ytd only) | 2.3401% | 4,205 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2382% | 3,790 |
| Assets per employee ($millions) | 3.7767% | 4,375 |
| Cash dividends to net income (ytd only)* | 86.0870% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 5,003 |
| Loan loss allowance to noncurrent loans | 465.1715% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,680 |
| Noncurrent loans to loans | 0.1767% | 4,492 |
| Net loans and leases to total assets | 81.6334% | 609 |
| Net loans and leases to deposits | 89.4485% | 1,607 |
| Net loans and leases to core deposits | 105.8605% | 1,112 |
| Total domestic deposits to total assets | 91.2630% | 221 |
| Equity capital to assets | 8.4193% | 5,296 |
| Core capital (leverage) ratio | 7.8679% | 5,605 |
| Tier 1 risk-based capital ratio | 9.7492% | 5,744 |
| Total risk-based capital ratio | 10.6304% | 5,775 |
| Memoranda: | ||
| Average total assets | $252,987,000 | 2,520 |
| Average earning assets | $230,307,500 | 2,551 |
| Average equity | $21,879,500 | 2,995 |
| Average total loans | $214,455,500 | 2,066 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1657% | 439 |
| Cost of funding earning assets | 0.3185% | 3,861 |
| Net interest margin | 4.8472% | 318 |
| Noninterest income to average assets | 0.3793% | 4,039 |
| Noninterest expense to average assets | 3.0796% | 2,098 |
| Loan and lease loss provision to assets | 0.1660% | 1,480 |
| Net operating income to assets | 1.5479% | 766 |
| Return on assets (ROA) | 1.5479% | 786 |
| Pretax return on assets | 1.5479% | 1,438 |
| Return on Equity (ROE) | 17.5857% | 356 |
| Retained earnings to average equity (ytd only) | 5.1390% | 2,251 |
| Net charge-offs to loans | 0.0581% | 2,886 |
| Credit loss provision to net charge-offs | 333.3333% | 905 |
| Earnings coverage of net charge-offs (x) | 34.4167% | 1,316 |
| Efficiency ratio | 64.2455% | 3,900 |
| Assets per employee ($millions) | 3.3614% | 4,959 |
| Cash dividends to net income (ytd only)* | 70.7775% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 5,236 |
| Loan loss allowance to noncurrent loans | 218.4783% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 4,075 |
| Noncurrent loans to loans | 0.3433% | 3,907 |
| Net loans and leases to total assets | 86.7259% | 194 |
| Net loans and leases to deposits | 95.7237% | 1,024 |
| Net loans and leases to core deposits | 113.8278% | 706 |
| Total domestic deposits to total assets | 90.6003% | 419 |
| Equity capital to assets | 8.8919% | 4,921 |
| Core capital (leverage) ratio | 8.0814% | 5,575 |
| Tier 1 risk-based capital ratio | 9.7630% | 5,787 |
| Total risk-based capital ratio | 10.5731% | 5,835 |
| Memoranda: | ||
| Average total assets | $240,974,000 | 2,567 |
| Average earning assets | $219,446,600 | 2,607 |
| Average equity | $21,210,400 | 3,048 |
| Average total loans | $206,567,800 | 2,066 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1165% | 480 |
| Cost of funding earning assets | 0.3077% | 4,011 |
| Net interest margin | 4.8088% | 357 |
| Noninterest income to average assets | 0.3702% | 4,127 |
| Noninterest expense to average assets | 3.0960% | 2,036 |
| Loan and lease loss provision to assets | 0.0834% | 2,546 |
| Net operating income to assets | 1.5686% | 770 |
| Return on assets (ROA) | 1.5686% | 810 |
| Pretax return on assets | 1.5686% | 1,471 |
| Return on Equity (ROE) | 17.8674% | 367 |
| Retained earnings to average equity (ytd only) | 4.7043% | 3,011 |
| Net charge-offs to loans | 0.0782% | 2,203 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 24.7661% | 1,659 |
| Efficiency ratio | 65.2072% | 3,731 |
| Assets per employee ($millions) | 3.4238% | 4,878 |
| Cash dividends to net income (ytd only)* | 73.6712% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 5,529 |
| Loan loss allowance to noncurrent loans | 70.4357% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 2,529 |
| Noncurrent loans to loans | 0.9226% | 2,399 |
| Net loans and leases to total assets | 86.6242% | 209 |
| Net loans and leases to deposits | 95.4550% | 1,105 |
| Net loans and leases to core deposits | 112.1320% | 804 |
| Total domestic deposits to total assets | 90.7488% | 258 |
| Equity capital to assets | 8.9700% | 5,206 |
| Core capital (leverage) ratio | 8.1342% | 5,623 |
| Tier 1 risk-based capital ratio | 9.8314% | 5,828 |
| Total risk-based capital ratio | 10.5329% | 5,900 |
| Memoranda: | ||
| Average total assets | $239,872,250 | 2,589 |
| Average earning assets | $218,372,000 | 2,622 |
| Average equity | $21,058,250 | 3,086 |
| Average total loans | $204,605,500 | 2,092 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 508 |
| Cost of funding earning assets | 0.2971% | 4,167 |
| Net interest margin | 4.7873% | 378 |
| Noninterest income to average assets | 0.3734% | 4,078 |
| Noninterest expense to average assets | 3.1316% | 1,972 |
| Loan and lease loss provision to assets | 0.0500% | 3,149 |
| Net operating income to assets | 1.5437% | 820 |
| Return on assets (ROA) | 1.5437% | 864 |
| Pretax return on assets | 1.5437% | 1,545 |
| Return on Equity (ROE) | 17.7126% | 380 |
| Retained earnings to average equity (ytd only) | 3.9786% | 3,369 |
| Net charge-offs to loans | 0.0128% | 3,289 |
| Credit loss provision to net charge-offs | 461.5385% | 697 |
| Earnings coverage of net charge-offs (x) | 147.0769% | 421 |
| Efficiency ratio | 66.2727% | 3,640 |
| Assets per employee ($millions) | 3.2345% | 5,158 |
| Cash dividends to net income (ytd only)* | 77.5378% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 5,554 |
| Loan loss allowance to noncurrent loans | 539.2157% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 4,043 |
| Noncurrent loans to loans | 0.1265% | 4,931 |
| Net loans and leases to total assets | 84.8214% | 350 |
| Net loans and leases to deposits | 93.4782% | 1,345 |
| Net loans and leases to core deposits | 103.8598% | 1,327 |
| Total domestic deposits to total assets | 90.7393% | 244 |
| Equity capital to assets | 8.9668% | 5,261 |
| Core capital (leverage) ratio | 7.9100% | 5,777 |
| Tier 1 risk-based capital ratio | 10.0067% | 5,856 |
| Total risk-based capital ratio | 10.7423% | 5,932 |
| Memoranda: | ||
| Average total assets | $239,941,330 | 2,599 |
| Average earning assets | $218,117,330 | 2,632 |
| Average equity | $20,911,670 | 3,104 |
| Average total loans | $203,152,000 | 2,107 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0436% | 536 |
| Cost of funding earning assets | 0.2960% | 4,204 |
| Net interest margin | 4.7475% | 396 |
| Noninterest income to average assets | 0.3490% | 4,235 |
| Noninterest expense to average assets | 3.1192% | 2,048 |
| Loan and lease loss provision to assets | 0.0496% | 2,935 |
| Net operating income to assets | 1.5034% | 844 |
| Return on assets (ROA) | 1.5034% | 885 |
| Pretax return on assets | 1.5034% | 1,572 |
| Return on Equity (ROE) | 17.4963% | 396 |
| Retained earnings to average equity (ytd only) | 2.2520% | 4,360 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7611% | 3,674 |
| Assets per employee ($millions) | 3.2837% | 5,152 |
| Cash dividends to net income (ytd only)* | 87.1287% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 5,634 |
| Loan loss allowance to noncurrent loans | 2,301.6949% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 4,143 |
| Noncurrent loans to loans | 0.0294% | 5,374 |
| Net loans and leases to total assets | 83.2061% | 438 |
| Net loans and leases to deposits | 91.3707% | 1,422 |
| Net loans and leases to core deposits | 100.5601% | 1,442 |
| Total domestic deposits to total assets | 91.0643% | 254 |
| Equity capital to assets | 8.7017% | 5,419 |
| Core capital (leverage) ratio | 7.6711% | 5,882 |
| Tier 1 risk-based capital ratio | 9.8670% | 5,936 |
| Total risk-based capital ratio | 10.5951% | 6,019 |
| Memoranda: | ||
| Average total assets | $241,854,000 | 2,606 |
| Average earning assets | $220,240,000 | 2,618 |
| Average equity | $20,781,500 | 3,121 |
| Average total loans | $203,902,000 | 2,108 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 773 |
| Cost of funding earning assets | 0.2825% | 4,454 |
| Net interest margin | 4.6135% | 528 |
| Noninterest income to average assets | 0.3911% | 4,099 |
| Noninterest expense to average assets | 2.9918% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6088% | 693 |
| Return on assets (ROA) | 1.6139% | 710 |
| Pretax return on assets | 1.6139% | 1,214 |
| Return on Equity (ROE) | 19.1185% | 296 |
| Retained earnings to average equity (ytd only) | 5.8880% | 1,850 |
| Net charge-offs to loans | 0.0165% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 119.5625% | 507 |
| Efficiency ratio | 65.0306% | 4,076 |
| Assets per employee ($millions) | 3.3424% | 5,081 |
| Cash dividends to net income (ytd only)* | 69.2027% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 5,737 |
| Loan loss allowance to noncurrent loans | 367.8670% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 4,024 |
| Noncurrent loans to loans | 0.1744% | 4,792 |
| Net loans and leases to total assets | 84.2895% | 361 |
| Net loans and leases to deposits | 92.3515% | 1,366 |
| Net loans and leases to core deposits | 103.7848% | 1,235 |
| Total domestic deposits to total assets | 91.2703% | 221 |
| Equity capital to assets | 8.4854% | 5,574 |
| Core capital (leverage) ratio | 7.7052% | 5,937 |
| Tier 1 risk-based capital ratio | 9.5489% | 6,038 |
| Total risk-based capital ratio | 10.2418% | 6,094 |
| Memoranda: | ||
| Average total assets | $237,813,600 | 2,598 |
| Average earning assets | $216,993,800 | 2,613 |
| Average equity | $20,074,800 | 3,163 |
| Average total loans | $193,618,200 | 2,136 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 824 |
| Cost of funding earning assets | 0.2788% | 4,577 |
| Net interest margin | 4.5882% | 558 |
| Noninterest income to average assets | 0.3956% | 4,118 |
| Noninterest expense to average assets | 2.9559% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6286% | 720 |
| Return on assets (ROA) | 1.6354% | 734 |
| Pretax return on assets | 1.6354% | 1,279 |
| Return on Equity (ROE) | 19.3995% | 309 |
| Retained earnings to average equity (ytd only) | 5.9243% | 2,297 |
| Net charge-offs to loans | 0.0049% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 412.4223% | 184 |
| Efficiency ratio | 64.4756% | 4,163 |
| Assets per employee ($millions) | 3.1232% | 5,399 |
| Cash dividends to net income (ytd only)* | 69.4617% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 5,746 |
| Loan loss allowance to noncurrent loans | 105.4560% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 3,615 |
| Noncurrent loans to loans | 0.6565% | 3,357 |
| Net loans and leases to total assets | 85.1219% | 294 |
| Net loans and leases to deposits | 93.7415% | 1,233 |
| Net loans and leases to core deposits | 99.2411% | 1,581 |
| Total domestic deposits to total assets | 90.8050% | 301 |
| Equity capital to assets | 8.9731% | 5,329 |
| Core capital (leverage) ratio | 7.7934% | 5,983 |
| Tier 1 risk-based capital ratio | 10.0028% | 6,039 |
| Total risk-based capital ratio | 10.7550% | 6,119 |
| Memoranda: | ||
| Average total assets | $236,268,000 | 2,626 |
| Average earning assets | $215,708,000 | 2,642 |
| Average equity | $19,917,500 | 3,208 |
| Average total loans | $190,275,000 | 2,173 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 952 |
| Cost of funding earning assets | 0.2754% | 4,662 |
| Net interest margin | 4.4924% | 650 |
| Noninterest income to average assets | 0.3908% | 4,148 |
| Noninterest expense to average assets | 2.9352% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5505% | 827 |
| Return on assets (ROA) | 1.5505% | 860 |
| Pretax return on assets | 1.5505% | 1,482 |
| Return on Equity (ROE) | 18.7766% | 352 |
| Retained earnings to average equity (ytd only) | 4.9044% | 2,918 |
| Net charge-offs to loans | 0.0064% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 308.8333% | 223 |
| Efficiency ratio | 65.4356% | 4,108 |
| Assets per employee ($millions) | 3.2384% | 5,280 |
| Cash dividends to net income (ytd only)* | 73.8802% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 5,781 |
| Loan loss allowance to noncurrent loans | 124.9077% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 4,073 |
| Noncurrent loans to loans | 0.5730% | 3,731 |
| Net loans and leases to total assets | 80.5584% | 731 |
| Net loans and leases to deposits | 89.5339% | 1,655 |
| Net loans and leases to core deposits | 93.0645% | 2,056 |
| Total domestic deposits to total assets | 89.9753% | 671 |
| Equity capital to assets | 8.5965% | 5,601 |
| Core capital (leverage) ratio | 7.3966% | 6,122 |
| Tier 1 risk-based capital ratio | 10.0412% | 6,079 |
| Total risk-based capital ratio | 10.8141% | 6,165 |
| Memoranda: | ||
| Average total assets | $239,026,330 | 2,617 |
| Average earning assets | $217,881,000 | 2,642 |
| Average equity | $19,737,330 | 3,243 |
| Average total loans | $188,558,330 | 2,196 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 1,098 |
| Cost of funding earning assets | 0.2722% | 4,760 |
| Net interest margin | 4.3933% | 741 |
| Noninterest income to average assets | 0.3587% | 4,334 |
| Noninterest expense to average assets | 2.9757% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3854% | 1,058 |
| Return on assets (ROA) | 1.3854% | 1,117 |
| Pretax return on assets | 1.3854% | 1,941 |
| Return on Equity (ROE) | 17.1160% | 460 |
| Retained earnings to average equity (ytd only) | 2.2876% | 4,545 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2335% | 3,786 |
| Assets per employee ($millions) | 3.5838% | 4,753 |
| Cash dividends to net income (ytd only)* | 86.6348% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 5,854 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 5,297 |
| Noncurrent loans to loans | 0.2179% | 4,998 |
| Net loans and leases to total assets | 75.1701% | 1,328 |
| Net loans and leases to deposits | 81.8208% | 2,356 |
| Net loans and leases to core deposits | 84.9545% | 2,661 |
| Total domestic deposits to total assets | 91.8717% | 163 |
| Equity capital to assets | 7.9605% | 6,049 |
| Core capital (leverage) ratio | 7.1514% | 6,221 |
| Tier 1 risk-based capital ratio | 9.8761% | 6,198 |
| Total risk-based capital ratio | 10.6561% | 6,267 |
| Memoranda: | ||
| Average total assets | $241,957,000 | 2,619 |
| Average earning assets | $220,427,500 | 2,639 |
| Average equity | $19,584,000 | 3,278 |
| Average total loans | $188,243,500 | 2,196 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 1,104 |
| Cost of funding earning assets | 0.2911% | 4,878 |
| Net interest margin | 4.5144% | 726 |
| Noninterest income to average assets | 0.4104% | 4,108 |
| Noninterest expense to average assets | 2.9929% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4887% | 898 |
| Return on assets (ROA) | 1.4887% | 937 |
| Pretax return on assets | 1.4887% | 1,585 |
| Return on Equity (ROE) | 18.0238% | 393 |
| Retained earnings to average equity (ytd only) | 3.2101% | 3,951 |
| Net charge-offs to loans | 0.0033% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 575.5000% | 90 |
| Efficiency ratio | 66.7821% | 4,094 |
| Assets per employee ($millions) | 3.1136% | 5,545 |
| Cash dividends to net income (ytd only)* | 82.1894% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 5,951 |
| Loan loss allowance to noncurrent loans | 182.7957% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 4,787 |
| Noncurrent loans to loans | 0.3931% | 4,467 |
| Net loans and leases to total assets | 79.3996% | 821 |
| Net loans and leases to deposits | 86.7060% | 1,884 |
| Net loans and leases to core deposits | 90.3193% | 2,244 |
| Total domestic deposits to total assets | 91.5734% | 212 |
| Equity capital to assets | 8.2335% | 5,943 |
| Core capital (leverage) ratio | 7.3604% | 6,248 |
| Tier 1 risk-based capital ratio | 10.0013% | 6,259 |
| Total risk-based capital ratio | 10.7964% | 6,323 |
| Memoranda: | ||
| Average total assets | $231,946,000 | 2,681 |
| Average earning assets | $209,175,200 | 2,717 |
| Average equity | $19,158,000 | 3,265 |
| Average total loans | $183,214,200 | 2,194 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,098 |
| Cost of funding earning assets | 0.2922% | 4,965 |
| Net interest margin | 4.5128% | 721 |
| Noninterest income to average assets | 0.4189% | 4,106 |
| Noninterest expense to average assets | 2.9673% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5027% | 942 |
| Return on assets (ROA) | 1.5027% | 970 |
| Pretax return on assets | 1.5027% | 1,637 |
| Return on Equity (ROE) | 18.1787% | 421 |
| Retained earnings to average equity (ytd only) | 3.4177% | 4,187 |
| Net charge-offs to loans | 0.0029% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 650.6398% | 121 |
| Efficiency ratio | 66.3823% | 4,158 |
| Assets per employee ($millions) | 3.3546% | 5,132 |
| Cash dividends to net income (ytd only)* | 81.1996% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 5,997 |
| Loan loss allowance to noncurrent loans | 99.5614% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 3,870 |
| Noncurrent loans to loans | 0.7528% | 3,720 |
| Net loans and leases to total assets | 77.9228% | 972 |
| Net loans and leases to deposits | 85.1781% | 2,010 |
| Net loans and leases to core deposits | 88.3109% | 2,392 |
| Total domestic deposits to total assets | 91.4823% | 238 |
| Equity capital to assets | 8.3600% | 5,900 |
| Core capital (leverage) ratio | 7.5484% | 6,263 |
| Tier 1 risk-based capital ratio | 10.1758% | 6,303 |
| Total risk-based capital ratio | 10.9920% | 6,370 |
| Memoranda: | ||
| Average total assets | $230,774,750 | 2,709 |
| Average earning assets | $207,170,750 | 2,754 |
| Average equity | $19,076,750 | 3,291 |
| Average total loans | $181,706,750 | 2,225 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 1,069 |
| Cost of funding earning assets | 0.2923% | 5,043 |
| Net interest margin | 4.5072% | 694 |
| Noninterest income to average assets | 0.4173% | 4,118 |
| Noninterest expense to average assets | 3.0085% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4618% | 946 |
| Return on assets (ROA) | 1.4618% | 987 |
| Pretax return on assets | 1.4618% | 1,668 |
| Return on Equity (ROE) | 17.7505% | 483 |
| Retained earnings to average equity (ytd only) | 3.1498% | 4,200 |
| Net charge-offs to loans | -0.0044% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3006% | 4,146 |
| Assets per employee ($millions) | 3.2724% | 5,303 |
| Cash dividends to net income (ytd only)* | 82.2552% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 6,070 |
| Loan loss allowance to noncurrent loans | 121.2389% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 4,256 |
| Noncurrent loans to loans | 0.6244% | 4,153 |
| Net loans and leases to total assets | 79.5402% | 736 |
| Net loans and leases to deposits | 87.0963% | 1,700 |
| Net loans and leases to core deposits | 90.6570% | 2,061 |
| Total domestic deposits to total assets | 91.3244% | 305 |
| Equity capital to assets | 8.4896% | 5,811 |
| Core capital (leverage) ratio | 7.3529% | 6,354 |
| Tier 1 risk-based capital ratio | 10.0717% | 6,379 |
| Total risk-based capital ratio | 10.8934% | 6,458 |
| Memoranda: | ||
| Average total assets | $230,543,000 | 2,723 |
| Average earning assets | $207,314,330 | 2,762 |
| Average equity | $18,985,330 | 3,290 |
| Average total loans | $181,699,000 | 2,214 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,248 |
| Cost of funding earning assets | 0.2929% | 5,146 |
| Net interest margin | 4.4108% | 787 |
| Noninterest income to average assets | 0.4070% | 4,124 |
| Noninterest expense to average assets | 3.0861% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3035% | 1,201 |
| Return on assets (ROA) | 1.3035% | 1,248 |
| Pretax return on assets | 1.3035% | 2,078 |
| Return on Equity (ROE) | 16.0690% | 635 |
| Retained earnings to average equity (ytd only) | 2.0960% | 4,763 |
| Net charge-offs to loans | -0.0088% | 5,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3052% | 3,779 |
| Assets per employee ($millions) | 3.3375% | 5,282 |
| Cash dividends to net income (ytd only)* | 86.9565% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 6,181 |
| Loan loss allowance to noncurrent loans | 121.6696% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 4,522 |
| Noncurrent loans to loans | 0.6216% | 4,309 |
| Net loans and leases to total assets | 74.8088% | 1,150 |
| Net loans and leases to deposits | 81.3577% | 2,121 |
| Net loans and leases to core deposits | 83.9274% | 2,525 |
| Total domestic deposits to total assets | 91.9504% | 253 |
| Equity capital to assets | 7.8981% | 6,123 |
| Core capital (leverage) ratio | 7.3985% | 6,372 |
| Tier 1 risk-based capital ratio | 9.8292% | 6,509 |
| Total risk-based capital ratio | 10.6408% | 6,554 |
| Memoranda: | ||
| Average total assets | $232,917,500 | 2,714 |
| Average earning assets | $210,300,000 | 2,753 |
| Average equity | $18,893,500 | 3,294 |
| Average total loans | $182,065,000 | 2,212 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 1,334 |
| Cost of funding earning assets | 0.3297% | 5,326 |
| Net interest margin | 4.4632% | 798 |
| Noninterest income to average assets | 0.4447% | 4,122 |
| Noninterest expense to average assets | 3.0580% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3862% | 1,055 |
| Return on assets (ROA) | 1.3888% | 1,081 |
| Pretax return on assets | 1.3888% | 1,825 |
| Return on Equity (ROE) | 16.9747% | 504 |
| Retained earnings to average equity (ytd only) | 4.4147% | 3,035 |
| Net charge-offs to loans | 0.0076% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 190 |
| Efficiency ratio | 68.8094% | 4,050 |
| Assets per employee ($millions) | 3.2220% | 5,443 |
| Cash dividends to net income (ytd only)* | 73.9923% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 6,275 |
| Loan loss allowance to noncurrent loans | 95.5245% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 4,113 |
| Noncurrent loans to loans | 0.7814% | 4,020 |
| Net loans and leases to total assets | 80.5322% | 539 |
| Net loans and leases to deposits | 88.0289% | 1,460 |
| Net loans and leases to core deposits | 91.0161% | 1,903 |
| Total domestic deposits to total assets | 91.4839% | 407 |
| Equity capital to assets | 8.3392% | 5,744 |
| Core capital (leverage) ratio | 7.4085% | 6,409 |
| Tier 1 risk-based capital ratio | 9.5910% | 6,591 |
| Total risk-based capital ratio | 10.3854% | 6,634 |
| Memoranda: | ||
| Average total assets | $225,080,400 | 2,766 |
| Average earning assets | $201,691,600 | 2,809 |
| Average equity | $18,415,600 | 3,350 |
| Average total loans | $171,675,200 | 2,285 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 1,478 |
| Cost of funding earning assets | 0.3343% | 5,438 |
| Net interest margin | 4.4149% | 864 |
| Noninterest income to average assets | 0.4528% | 4,135 |
| Noninterest expense to average assets | 3.0813% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3163% | 1,307 |
| Return on assets (ROA) | 1.3163% | 1,366 |
| Pretax return on assets | 1.3163% | 2,276 |
| Return on Equity (ROE) | 16.1663% | 632 |
| Retained earnings to average equity (ytd only) | 4.1271% | 3,742 |
| Net charge-offs to loans | 0.0079% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 222.1500% | 261 |
| Efficiency ratio | 70.0674% | 3,750 |
| Assets per employee ($millions) | 3.2229% | 5,447 |
| Cash dividends to net income (ytd only)* | 74.4710% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 6,313 |
| Loan loss allowance to noncurrent loans | 100.9587% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 4,418 |
| Noncurrent loans to loans | 0.7766% | 4,292 |
| Net loans and leases to total assets | 76.7844% | 898 |
| Net loans and leases to deposits | 85.3273% | 1,700 |
| Net loans and leases to core deposits | 88.0403% | 2,188 |
| Total domestic deposits to total assets | 89.9882% | 1,003 |
| Equity capital to assets | 8.2047% | 5,997 |
| Core capital (leverage) ratio | 7.3895% | 6,486 |
| Tier 1 risk-based capital ratio | 9.7615% | 6,643 |
| Total risk-based capital ratio | 10.5841% | 6,680 |
| Memoranda: | ||
| Average total assets | $224,966,250 | 2,783 |
| Average earning assets | $201,009,000 | 2,840 |
| Average equity | $18,317,500 | 3,402 |
| Average total loans | $168,845,000 | 2,325 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 1,523 |
| Cost of funding earning assets | 0.3400% | 5,490 |
| Net interest margin | 4.3771% | 888 |
| Noninterest income to average assets | 0.4672% | 4,040 |
| Noninterest expense to average assets | 3.1118% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2618% | 1,428 |
| Return on assets (ROA) | 1.2618% | 1,523 |
| Pretax return on assets | 1.2618% | 2,437 |
| Return on Equity (ROE) | 15.5369% | 728 |
| Retained earnings to average equity (ytd only) | 3.4624% | 4,117 |
| Net charge-offs to loans | 0.0120% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 141.8000% | 350 |
| Efficiency ratio | 71.1495% | 3,619 |
| Assets per employee ($millions) | 3.0387% | 5,786 |
| Cash dividends to net income (ytd only)* | 77.7151% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 6,335 |
| Loan loss allowance to noncurrent loans | 302.2075% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 5,650 |
| Noncurrent loans to loans | 0.2683% | 5,638 |
| Net loans and leases to total assets | 74.4828% | 1,176 |
| Net loans and leases to deposits | 81.2462% | 2,152 |
| Net loans and leases to core deposits | 83.6639% | 2,604 |
| Total domestic deposits to total assets | 91.6754% | 321 |
| Equity capital to assets | 8.1592% | 6,089 |
| Core capital (leverage) ratio | 7.3198% | 6,523 |
| Tier 1 risk-based capital ratio | 9.8154% | 6,672 |
| Total risk-based capital ratio | 10.6554% | 6,716 |
| Memoranda: | ||
| Average total assets | $224,754,000 | 2,793 |
| Average earning assets | $200,589,330 | 2,868 |
| Average equity | $18,253,330 | 3,434 |
| Average total loans | $166,927,670 | 2,342 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,528 |
| Cost of funding earning assets | 0.3459% | 5,577 |
| Net interest margin | 4.3570% | 871 |
| Noninterest income to average assets | 0.4789% | 3,932 |
| Noninterest expense to average assets | 3.0708% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3316% | 1,203 |
| Return on assets (ROA) | 1.3316% | 1,302 |
| Pretax return on assets | 1.3316% | 2,117 |
| Return on Equity (ROE) | 16.4337% | 564 |
| Retained earnings to average equity (ytd only) | 4.3281% | 3,638 |
| Net charge-offs to loans | -0.0072% | 5,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7533% | 4,016 |
| Assets per employee ($millions) | 3.0304% | 5,928 |
| Cash dividends to net income (ytd only)* | 73.6631% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 6,405 |
| Loan loss allowance to noncurrent loans | 463.7584% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 5,921 |
| Noncurrent loans to loans | 0.1792% | 5,956 |
| Net loans and leases to total assets | 74.5614% | 1,004 |
| Net loans and leases to deposits | 81.4221% | 1,906 |
| Net loans and leases to core deposits | 84.4602% | 2,268 |
| Total domestic deposits to total assets | 91.5740% | 334 |
| Equity capital to assets | 8.2742% | 6,204 |
| Core capital (leverage) ratio | 7.1493% | 6,599 |
| Tier 1 risk-based capital ratio | 9.9305% | 6,703 |
| Total risk-based capital ratio | 10.7950% | 6,742 |
| Memoranda: | ||
| Average total assets | $224,699,000 | 2,825 |
| Average earning assets | $202,341,500 | 2,875 |
| Average equity | $18,206,500 | 3,499 |
| Average total loans | $165,964,500 | 2,365 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 3,751 |
| Cost of funding earning assets | 0.4437% | 5,636 |
| Net interest margin | 3.9723% | 2,510 |
| Noninterest income to average assets | 0.4447% | 4,287 |
| Noninterest expense to average assets | 2.8218% | 3,940 |
| Loan and lease loss provision to assets | 0.0627% | 4,983 |
| Net operating income to assets | 1.1641% | 1,717 |
| Return on assets (ROA) | 1.1641% | 1,881 |
| Pretax return on assets | 1.1641% | 2,935 |
| Return on Equity (ROE) | 15.9498% | 672 |
| Retained earnings to average equity (ytd only) | 7.2104% | 1,467 |
| Net charge-offs to loans | 0.0389% | 5,375 |
| Credit loss provision to net charge-offs | 241.9355% | 1,025 |
| Earnings coverage of net charge-offs (x) | 47.3387% | 699 |
| Efficiency ratio | 69.6985% | 3,867 |
| Assets per employee ($millions) | 3.1257% | 5,797 |
| Cash dividends to net income (ytd only)* | 54.7935% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 6,423 |
| Loan loss allowance to noncurrent loans | 3,064.4444% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 6,348 |
| Noncurrent loans to loans | 0.0272% | 6,452 |
| Net loans and leases to total assets | 71.9716% | 1,492 |
| Net loans and leases to deposits | 78.2955% | 2,484 |
| Net loans and leases to core deposits | 81.0171% | 2,879 |
| Total domestic deposits to total assets | 91.9230% | 258 |
| Equity capital to assets | 7.9363% | 6,437 |
| Core capital (leverage) ratio | 6.7754% | 6,747 |
| Tier 1 risk-based capital ratio | 9.7723% | 6,753 |
| Total risk-based capital ratio | 10.6317% | 6,813 |
| Memoranda: | ||
| Average total assets | $239,243,600 | 2,644 |
| Average earning assets | $217,052,400 | 2,641 |
| Average equity | $17,461,000 | 3,544 |
| Average total loans | $159,372,600 | 2,442 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 4,333 |
| Cost of funding earning assets | 0.4682% | 5,654 |
| Net interest margin | 3.8616% | 3,067 |
| Noninterest income to average assets | 0.4110% | 4,545 |
| Noninterest expense to average assets | 2.8246% | 3,891 |
| Loan and lease loss provision to assets | 0.0661% | 4,869 |
| Net operating income to assets | 1.0324% | 2,358 |
| Return on assets (ROA) | 1.0324% | 2,573 |
| Pretax return on assets | 1.0324% | 3,595 |
| Return on Equity (ROE) | 14.4436% | 1,012 |
| Retained earnings to average equity (ytd only) | 6.1736% | 2,581 |
| Net charge-offs to loans | 0.0397% | 5,093 |
| Credit loss provision to net charge-offs | 255.3191% | 1,075 |
| Earnings coverage of net charge-offs (x) | 42.4222% | 841 |
| Efficiency ratio | 71.9983% | 3,331 |
| Assets per employee ($millions) | 3.2943% | 5,450 |
| Cash dividends to net income (ytd only)* | 57.2573% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 6,487 |
| Loan loss allowance to noncurrent loans | 409.6096% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 5,699 |
| Noncurrent loans to loans | 0.2099% | 6,080 |
| Net loans and leases to total assets | 65.3978% | 2,754 |
| Net loans and leases to deposits | 70.7324% | 3,798 |
| Net loans and leases to core deposits | 73.6754% | 4,017 |
| Total domestic deposits to total assets | 92.4582% | 154 |
| Equity capital to assets | 7.3572% | 6,804 |
| Core capital (leverage) ratio | 6.3261% | 6,913 |
| Tier 1 risk-based capital ratio | 9.7131% | 6,865 |
| Total risk-based capital ratio | 10.5835% | 6,913 |
| Memoranda: | ||
| Average total assets | $242,009,750 | 2,633 |
| Average earning assets | $220,110,500 | 2,642 |
| Average equity | $17,299,000 | 3,611 |
| Average total loans | $157,815,000 | 2,483 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 4,523 |
| Cost of funding earning assets | 0.4966% | 5,648 |
| Net interest margin | 3.8143% | 3,295 |
| Noninterest income to average assets | 0.3620% | 4,940 |
| Noninterest expense to average assets | 2.8171% | 3,947 |
| Loan and lease loss provision to assets | 0.0412% | 5,157 |
| Net operating income to assets | 0.9937% | 2,494 |
| Return on assets (ROA) | 0.9937% | 2,719 |
| Pretax return on assets | 0.9937% | 3,729 |
| Return on Equity (ROE) | 14.0380% | 1,109 |
| Retained earnings to average equity (ytd only) | 6.7918% | 2,222 |
| Net charge-offs to loans | 0.0267% | 5,006 |
| Credit loss provision to net charge-offs | 238.0952% | 1,203 |
| Earnings coverage of net charge-offs (x) | 59.7619% | 638 |
| Efficiency ratio | 73.1321% | 3,219 |
| Assets per employee ($millions) | 3.3625% | 5,294 |
| Cash dividends to net income (ytd only)* | 51.6183% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 6,554 |
| Loan loss allowance to noncurrent loans | 99.3976% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 4,637 |
| Noncurrent loans to loans | 0.8641% | 4,775 |
| Net loans and leases to total assets | 62.0748% | 3,417 |
| Net loans and leases to deposits | 66.9552% | 4,371 |
| Net loans and leases to core deposits | 71.2095% | 4,389 |
| Total domestic deposits to total assets | 92.7110% | 146 |
| Equity capital to assets | 7.1163% | 6,886 |
| Core capital (leverage) ratio | 6.2887% | 6,956 |
| Tier 1 risk-based capital ratio | 9.8568% | 6,858 |
| Total risk-based capital ratio | 10.7241% | 6,918 |
| Memoranda: | ||
| Average total assets | $242,518,000 | 2,631 |
| Average earning assets | $221,899,330 | 2,622 |
| Average equity | $17,167,670 | 3,617 |
| Average total loans | $157,541,330 | 2,499 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 4,572 |
| Cost of funding earning assets | 0.5372% | 5,568 |
| Net interest margin | 3.8019% | 3,386 |
| Noninterest income to average assets | 0.4315% | 4,444 |
| Noninterest expense to average assets | 2.9737% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9459% | 2,716 |
| Return on assets (ROA) | 0.9459% | 2,924 |
| Pretax return on assets | 0.9459% | 3,882 |
| Return on Equity (ROE) | 13.3980% | 1,305 |
| Retained earnings to average equity (ytd only) | 6.4169% | 2,728 |
| Net charge-offs to loans | -0.0050% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8679% | 2,807 |
| Assets per employee ($millions) | 3.4772% | 5,169 |
| Cash dividends to net income (ytd only)* | 52.1053% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 6,725 |
| Loan loss allowance to noncurrent loans | 48.2103% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 4,288 |
| Noncurrent loans to loans | 1.6739% | 3,591 |
| Net loans and leases to total assets | 65.2945% | 2,599 |
| Net loans and leases to deposits | 70.4056% | 3,671 |
| Net loans and leases to core deposits | 75.1485% | 3,726 |
| Total domestic deposits to total assets | 92.7405% | 161 |
| Equity capital to assets | 7.0500% | 6,928 |
| Core capital (leverage) ratio | 6.2176% | 7,014 |
| Tier 1 risk-based capital ratio | 9.6281% | 6,949 |
| Total risk-based capital ratio | 10.4753% | 7,007 |
| Memoranda: | ||
| Average total assets | $241,044,500 | 2,658 |
| Average earning assets | $221,154,500 | 2,643 |
| Average equity | $17,017,500 | 3,645 |
| Average total loans | $159,466,000 | 2,489 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 5,264 |
| Cost of funding earning assets | 0.8023% | 4,851 |
| Net interest margin | 3.6430% | 4,549 |
| Noninterest income to average assets | 0.4523% | 4,199 |
| Noninterest expense to average assets | 2.9158% | 3,897 |
| Loan and lease loss provision to assets | 0.0140% | 6,370 |
| Net operating income to assets | 0.8455% | 2,851 |
| Return on assets (ROA) | 0.8455% | 3,001 |
| Pretax return on assets | 0.8455% | 3,794 |
| Return on Equity (ROE) | 11.7589% | 1,476 |
| Retained earnings to average equity (ytd only) | 4.5624% | 2,930 |
| Net charge-offs to loans | 0.0965% | 5,383 |
| Credit loss provision to net charge-offs | 21.9178% | 5,889 |
| Earnings coverage of net charge-offs (x) | 13.4589% | 1,540 |
| Efficiency ratio | 77.2332% | 2,706 |
| Assets per employee ($millions) | 3.4592% | 5,116 |
| Cash dividends to net income (ytd only)* | 61.2002% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 6,707 |
| Loan loss allowance to noncurrent loans | 90.7238% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 5,474 |
| Noncurrent loans to loans | 0.8966% | 4,892 |
| Net loans and leases to total assets | 65.9525% | 2,794 |
| Net loans and leases to deposits | 71.1365% | 3,929 |
| Net loans and leases to core deposits | 76.3405% | 3,933 |
| Total domestic deposits to total assets | 92.7125% | 157 |
| Equity capital to assets | 7.0700% | 6,944 |
| Core capital (leverage) ratio | 6.2169% | 7,025 |
| Tier 1 risk-based capital ratio | 9.3456% | 6,987 |
| Total risk-based capital ratio | 10.1822% | 7,049 |
| Memoranda: | ||
| Average total assets | $228,614,400 | 2,740 |
| Average earning assets | $208,534,400 | 2,741 |
| Average equity | $16,438,600 | 3,658 |
| Average total loans | $151,369,400 | 2,626 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 5,430 |
| Cost of funding earning assets | 0.8528% | 4,749 |
| Net interest margin | 3.5974% | 4,780 |
| Noninterest income to average assets | 0.4706% | 4,123 |
| Noninterest expense to average assets | 2.9921% | 3,581 |
| Loan and lease loss provision to assets | 0.0189% | 6,203 |
| Net operating income to assets | 0.7407% | 3,426 |
| Return on assets (ROA) | 0.7407% | 3,594 |
| Pretax return on assets | 0.7407% | 4,345 |
| Return on Equity (ROE) | 10.2552% | 2,116 |
| Retained earnings to average equity (ytd only) | 3.0210% | 4,532 |
| Net charge-offs to loans | 0.0785% | 5,184 |
| Credit loss provision to net charge-offs | 36.3636% | 5,316 |
| Earnings coverage of net charge-offs (x) | 14.6364% | 1,521 |
| Efficiency ratio | 79.7548% | 2,286 |
| Assets per employee ($millions) | 3.4473% | 5,125 |
| Cash dividends to net income (ytd only)* | 70.5414% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 6,584 |
| Loan loss allowance to noncurrent loans | 90.7806% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 5,529 |
| Noncurrent loans to loans | 0.9968% | 4,899 |
| Net loans and leases to total assets | 63.9594% | 3,314 |
| Net loans and leases to deposits | 69.0924% | 4,435 |
| Net loans and leases to core deposits | 74.8672% | 4,337 |
| Total domestic deposits to total assets | 92.5708% | 153 |
| Equity capital to assets | 7.1733% | 7,021 |
| Core capital (leverage) ratio | 6.0805% | 7,126 |
| Tier 1 risk-based capital ratio | 9.5930% | 7,038 |
| Total risk-based capital ratio | 10.5148% | 7,082 |
| Memoranda: | ||
| Average total assets | $226,097,000 | 2,782 |
| Average earning assets | $206,218,500 | 2,781 |
| Average equity | $16,329,500 | 3,686 |
| Average total loans | $149,534,500 | 2,668 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 5,479 |
| Cost of funding earning assets | 0.8951% | 4,709 |
| Net interest margin | 3.5669% | 4,852 |
| Noninterest income to average assets | 0.5185% | 3,717 |
| Noninterest expense to average assets | 3.0249% | 3,543 |
| Loan and lease loss provision to assets | 0.0285% | 5,948 |
| Net operating income to assets | 0.7351% | 3,365 |
| Return on assets (ROA) | 0.7351% | 3,484 |
| Pretax return on assets | 0.7351% | 4,261 |
| Return on Equity (ROE) | 10.1538% | 2,065 |
| Retained earnings to average equity (ytd only) | 3.2492% | 4,198 |
| Net charge-offs to loans | 0.1189% | 4,520 |
| Credit loss provision to net charge-offs | 35.9551% | 4,890 |
| Earnings coverage of net charge-offs (x) | 9.6292% | 1,898 |
| Efficiency ratio | 79.8448% | 2,412 |
| Assets per employee ($millions) | 3.4257% | 5,134 |
| Cash dividends to net income (ytd only)* | 68.0000% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 6,575 |
| Loan loss allowance to noncurrent loans | 82.5980% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6904% | 5,526 |
| Noncurrent loans to loans | 1.1288% | 4,774 |
| Net loans and leases to total assets | 60.5978% | 4,170 |
| Net loans and leases to deposits | 65.3134% | 5,099 |
| Net loans and leases to core deposits | 70.8281% | 4,972 |
| Total domestic deposits to total assets | 92.7800% | 139 |
| Equity capital to assets | 6.9539% | 7,111 |
| Core capital (leverage) ratio | 6.0116% | 7,189 |
| Tier 1 risk-based capital ratio | 9.8922% | 7,009 |
| Total risk-based capital ratio | 10.8491% | 7,089 |
| Memoranda: | ||
| Average total assets | $224,473,670 | 2,811 |
| Average earning assets | $205,781,000 | 2,809 |
| Average equity | $16,250,000 | 3,690 |
| Average total loans | $149,688,000 | 2,690 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 4,809 |
| Cost of funding earning assets | 0.9438% | 4,622 |
| Net interest margin | 3.6895% | 4,163 |
| Noninterest income to average assets | 0.5583% | 3,447 |
| Noninterest expense to average assets | 3.0806% | 3,332 |
| Loan and lease loss provision to assets | 0.0586% | 5,268 |
| Net operating income to assets | 0.8109% | 2,974 |
| Return on assets (ROA) | 0.8109% | 3,040 |
| Pretax return on assets | 0.8109% | 3,863 |
| Return on Equity (ROE) | 10.9677% | 1,753 |
| Retained earnings to average equity (ytd only) | 1.1636% | 5,357 |
| Net charge-offs to loans | 0.2076% | 3,268 |
| Credit loss provision to net charge-offs | 40.5063% | 3,936 |
| Earnings coverage of net charge-offs (x) | 6.0127% | 2,166 |
| Efficiency ratio | 77.9889% | 2,844 |
| Assets per employee ($millions) | 3.3147% | 5,442 |
| Cash dividends to net income (ytd only)* | 89.3905% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 6,627 |
| Loan loss allowance to noncurrent loans | 77.2908% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 5,402 |
| Noncurrent loans to loans | 1.2006% | 4,679 |
| Net loans and leases to total assets | 62.4878% | 3,761 |
| Net loans and leases to deposits | 67.3698% | 4,772 |
| Net loans and leases to core deposits | 73.4146% | 4,605 |
| Total domestic deposits to total assets | 92.7534% | 156 |
| Equity capital to assets | 6.9742% | 7,091 |
| Core capital (leverage) ratio | 6.4815% | 7,173 |
| Tier 1 risk-based capital ratio | 9.6720% | 7,103 |
| Total risk-based capital ratio | 10.6295% | 7,174 |
| Memoranda: | ||
| Average total assets | $218,525,500 | 2,896 |
| Average earning assets | $200,896,500 | 2,876 |
| Average equity | $16,156,500 | 3,700 |
| Average total loans | $152,240,500 | 2,680 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 2,319 |
| Cost of funding earning assets | 1.0754% | 5,282 |
| Net interest margin | 4.4163% | 1,426 |
| Noninterest income to average assets | 0.5993% | 3,482 |
| Noninterest expense to average assets | 3.3726% | 2,518 |
| Loan and lease loss provision to assets | 0.1721% | 5,502 |
| Net operating income to assets | 1.0559% | 1,852 |
| Return on assets (ROA) | 1.0559% | 1,950 |
| Pretax return on assets | 1.0559% | 2,750 |
| Return on Equity (ROE) | 12.6341% | 1,183 |
| Retained earnings to average equity (ytd only) | 2.7221% | 3,953 |
| Net charge-offs to loans | 0.1484% | 5,465 |
| Credit loss provision to net charge-offs | 144.9339% | 2,554 |
| Earnings coverage of net charge-offs (x) | 10.3436% | 1,723 |
| Efficiency ratio | 73.3091% | 3,527 |
| Assets per employee ($millions) | 2.9714% | 6,164 |
| Cash dividends to net income (ytd only)* | 78.4547% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 6,757 |
| Loan loss allowance to noncurrent loans | 143.2212% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 6,082 |
| Noncurrent loans to loans | 0.6204% | 5,814 |
| Net loans and leases to total assets | 76.4443% | 1,193 |
| Net loans and leases to deposits | 83.2338% | 2,581 |
| Net loans and leases to core deposits | 91.2393% | 2,581 |
| Total domestic deposits to total assets | 91.8429% | 312 |
| Equity capital to assets | 7.8678% | 6,622 |
| Core capital (leverage) ratio | 6.8985% | 7,068 |
| Tier 1 risk-based capital ratio | 9.2199% | 7,197 |
| Total risk-based capital ratio | 10.1675% | 7,262 |
| Memoranda: | ||
| Average total assets | $191,218,200 | 3,211 |
| Average earning assets | $173,243,800 | 3,220 |
| Average equity | $15,980,600 | 3,771 |
| Average total loans | $152,981,000 | 2,724 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5723% | 2,168 |
| Cost of funding earning assets | 1.0860% | 5,512 |
| Net interest margin | 4.4863% | 1,289 |
| Noninterest income to average assets | 0.6156% | 3,348 |
| Noninterest expense to average assets | 3.3722% | 2,370 |
| Loan and lease loss provision to assets | 0.2130% | 4,931 |
| Net operating income to assets | 1.0786% | 1,971 |
| Return on assets (ROA) | 1.0786% | 2,078 |
| Pretax return on assets | 1.0786% | 2,898 |
| Return on Equity (ROE) | 12.7033% | 1,340 |
| Retained earnings to average equity (ytd only) | 2.7681% | 4,494 |
| Net charge-offs to loans | 0.0861% | 5,672 |
| Credit loss provision to net charge-offs | 306.1224% | 1,041 |
| Earnings coverage of net charge-offs (x) | 18.5617% | 1,252 |
| Efficiency ratio | 72.3051% | 3,642 |
| Assets per employee ($millions) | 2.9239% | 6,318 |
| Cash dividends to net income (ytd only)* | 78.2094% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 6,533 |
| Loan loss allowance to noncurrent loans | 109.8540% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 5,646 |
| Noncurrent loans to loans | 0.8780% | 5,471 |
| Net loans and leases to total assets | 80.0743% | 736 |
| Net loans and leases to deposits | 87.6658% | 2,051 |
| Net loans and leases to core deposits | 96.4630% | 2,202 |
| Total domestic deposits to total assets | 91.3404% | 347 |
| Equity capital to assets | 8.3279% | 6,471 |
| Core capital (leverage) ratio | 7.2253% | 7,043 |
| Tier 1 risk-based capital ratio | 9.2177% | 7,322 |
| Total risk-based capital ratio | 10.2403% | 7,383 |
| Memoranda: | ||
| Average total assets | $187,766,500 | 3,307 |
| Average earning assets | $169,428,750 | 3,334 |
| Average equity | $15,943,000 | 3,817 |
| Average total loans | $151,692,500 | 2,783 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 2,094 |
| Cost of funding earning assets | 1.0893% | 5,738 |
| Net interest margin | 4.5224% | 1,162 |
| Noninterest income to average assets | 0.6171% | 3,210 |
| Noninterest expense to average assets | 3.4478% | 2,149 |
| Loan and lease loss provision to assets | 0.1720% | 5,144 |
| Net operating income to assets | 1.0590% | 1,986 |
| Return on assets (ROA) | 1.0590% | 2,058 |
| Pretax return on assets | 1.0590% | 2,904 |
| Return on Equity (ROE) | 12.3897% | 1,366 |
| Retained earnings to average equity (ytd only) | 2.4276% | 4,615 |
| Net charge-offs to loans | 0.0466% | 5,738 |
| Credit loss provision to net charge-offs | 457.1429% | 799 |
| Earnings coverage of net charge-offs (x) | 32.7143% | 862 |
| Efficiency ratio | 73.6903% | 3,531 |
| Assets per employee ($millions) | 2.7578% | 6,666 |
| Cash dividends to net income (ytd only)* | 80.4061% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 6,600 |
| Loan loss allowance to noncurrent loans | 165.6613% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 6,042 |
| Noncurrent loans to loans | 0.5726% | 6,105 |
| Net loans and leases to total assets | 79.5203% | 873 |
| Net loans and leases to deposits | 87.2301% | 2,298 |
| Net loans and leases to core deposits | 95.5679% | 2,500 |
| Total domestic deposits to total assets | 91.1615% | 427 |
| Equity capital to assets | 8.5105% | 6,154 |
| Core capital (leverage) ratio | 7.2137% | 7,060 |
| Tier 1 risk-based capital ratio | 9.5120% | 7,257 |
| Total risk-based capital ratio | 10.5236% | 7,349 |
| Memoranda: | ||
| Average total assets | $186,029,670 | 3,362 |
| Average earning assets | $167,078,000 | 3,387 |
| Average equity | $15,900,330 | 3,819 |
| Average total loans | $150,246,670 | 2,833 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5887% | 2,200 |
| Cost of funding earning assets | 1.0674% | 6,056 |
| Net interest margin | 4.5213% | 1,097 |
| Noninterest income to average assets | 0.6088% | 3,220 |
| Noninterest expense to average assets | 3.5536% | 1,835 |
| Loan and lease loss provision to assets | 0.1079% | 5,546 |
| Net operating income to assets | 1.0168% | 2,125 |
| Return on assets (ROA) | 1.0168% | 2,186 |
| Pretax return on assets | 1.0168% | 3,026 |
| Return on Equity (ROE) | 11.8711% | 1,531 |
| Retained earnings to average equity (ytd only) | 1.8903% | 4,988 |
| Net charge-offs to loans | 0.0320% | 5,126 |
| Credit loss provision to net charge-offs | 416.6667% | 990 |
| Earnings coverage of net charge-offs (x) | 43.4167% | 638 |
| Efficiency ratio | 75.9575% | 3,224 |
| Assets per employee ($millions) | 2.8103% | 6,622 |
| Cash dividends to net income (ytd only)* | 84.0764% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 6,873 |
| Loan loss allowance to noncurrent loans | 635.5450% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 6,857 |
| Noncurrent loans to loans | 0.1397% | 7,058 |
| Net loans and leases to total assets | 79.5266% | 903 |
| Net loans and leases to deposits | 89.2323% | 2,027 |
| Net loans and leases to core deposits | 97.7523% | 2,369 |
| Total domestic deposits to total assets | 89.1230% | 1,455 |
| Equity capital to assets | 8.4296% | 6,109 |
| Core capital (leverage) ratio | 7.2913% | 7,037 |
| Tier 1 risk-based capital ratio | 9.3724% | 7,364 |
| Total risk-based capital ratio | 10.3167% | 7,470 |
| Memoranda: | ||
| Average total assets | $185,278,500 | 3,423 |
| Average earning assets | $166,766,000 | 3,452 |
| Average equity | $15,870,500 | 3,853 |
| Average total loans | $150,093,000 | 2,897 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5343% | 3,965 |
| Cost of funding earning assets | 1.2161% | 6,604 |
| Net interest margin | 4.3181% | 1,664 |
| Noninterest income to average assets | 0.6489% | 3,300 |
| Noninterest expense to average assets | 3.3983% | 2,685 |
| Loan and lease loss provision to assets | 0.3099% | 4,965 |
| Net operating income to assets | 0.8424% | 2,377 |
| Return on assets (ROA) | 0.8581% | 2,393 |
| Pretax return on assets | 0.8581% | 3,062 |
| Return on Equity (ROE) | 9.6332% | 1,802 |
| Retained earnings to average equity (ytd only) | 2.4241% | 3,436 |
| Net charge-offs to loans | 0.1668% | 5,617 |
| Credit loss provision to net charge-offs | 241.6667% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.9868% | 1,855 |
| Efficiency ratio | 74.6787% | 3,765 |
| Assets per employee ($millions) | 2.7204% | 6,813 |
| Cash dividends to net income (ytd only)* | 74.8362% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 6,907 |
| Loan loss allowance to noncurrent loans | 300.9238% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 6,769 |
| Noncurrent loans to loans | 0.2904% | 6,699 |
| Net loans and leases to total assets | 81.0906% | 827 |
| Net loans and leases to deposits | 89.4031% | 2,320 |
| Net loans and leases to core deposits | 122.9151% | 1,718 |
| Total domestic deposits to total assets | 90.7022% | 659 |
| Equity capital to assets | 8.7064% | 5,574 |
| Core capital (leverage) ratio | 7.4567% | 6,830 |
| Tier 1 risk-based capital ratio | 9.1101% | 7,421 |
| Total risk-based capital ratio | 10.0070% | 7,582 |
| Memoranda: | ||
| Average total assets | $177,825,800 | 3,474 |
| Average earning assets | $160,671,600 | 3,503 |
| Average equity | $15,841,000 | 3,895 |
| Average total loans | $136,692,600 | 3,143 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4738% | 4,556 |
| Cost of funding earning assets | 1.2479% | 6,735 |
| Net interest margin | 4.2259% | 1,955 |
| Noninterest income to average assets | 0.6338% | 3,468 |
| Noninterest expense to average assets | 3.3492% | 2,730 |
| Loan and lease loss provision to assets | 0.3025% | 4,554 |
| Net operating income to assets | 0.8096% | 2,775 |
| Return on assets (ROA) | 0.8096% | 2,838 |
| Pretax return on assets | 0.8096% | 3,508 |
| Return on Equity (ROE) | 9.0352% | 2,250 |
| Retained earnings to average equity (ytd only) | 3.9240% | 3,089 |
| Net charge-offs to loans | 0.2715% | 4,343 |
| Credit loss provision to net charge-offs | 147.4265% | 3,287 |
| Earnings coverage of net charge-offs (x) | 5.4191% | 2,827 |
| Efficiency ratio | 75.0719% | 3,675 |
| Assets per employee ($millions) | 2.7473% | 6,742 |
| Cash dividends to net income (ytd only)* | 56.5702% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 7,136 |
| Loan loss allowance to noncurrent loans | 275.8706% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 6,175 |
| Noncurrent loans to loans | 0.2886% | 6,785 |
| Net loans and leases to total assets | 77.3690% | 1,706 |
| Net loans and leases to deposits | 85.3520% | 3,442 |
| Net loans and leases to core deposits | 118.4498% | 2,379 |
| Total domestic deposits to total assets | 90.6470% | 536 |
| Equity capital to assets | 8.9946% | 5,484 |
| Core capital (leverage) ratio | 7.5501% | 6,916 |
| Tier 1 risk-based capital ratio | 9.7081% | 7,233 |
| Total risk-based capital ratio | 10.5166% | 7,499 |
| Memoranda: | ||
| Average total assets | $176,715,000 | 3,510 |
| Average earning assets | $160,054,750 | 3,548 |
| Average equity | $15,834,000 | 3,949 |
| Average total loans | $133,589,250 | 3,233 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4674% | 4,798 |
| Cost of funding earning assets | 1.2856% | 6,853 |
| Net interest margin | 4.1817% | 2,059 |
| Noninterest income to average assets | 0.6201% | 3,539 |
| Noninterest expense to average assets | 3.3630% | 2,745 |
| Loan and lease loss provision to assets | 0.2612% | 4,488 |
| Net operating income to assets | 0.7678% | 2,976 |
| Return on assets (ROA) | 0.7678% | 3,082 |
| Pretax return on assets | 0.7678% | 3,783 |
| Return on Equity (ROE) | 8.5798% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.0080% | 3,643 |
| Net charge-offs to loans | 0.3508% | 3,433 |
| Credit loss provision to net charge-offs | 99.5671% | 4,625 |
| Earnings coverage of net charge-offs (x) | 3.9221% | 3,275 |
| Efficiency ratio | 76.5710% | 3,587 |
| Assets per employee ($millions) | 2.6122% | 7,031 |
| Cash dividends to net income (ytd only)* | 64.9408% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 7,376 |
| Loan loss allowance to noncurrent loans | 124.3964% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 5,609 |
| Noncurrent loans to loans | 0.5783% | 6,100 |
| Net loans and leases to total assets | 76.0615% | 2,167 |
| Net loans and leases to deposits | 83.8800% | 3,901 |
| Net loans and leases to core deposits | 113.5371% | 2,969 |
| Total domestic deposits to total assets | 90.6789% | 564 |
| Equity capital to assets | 8.9163% | 5,427 |
| Core capital (leverage) ratio | 7.5263% | 6,981 |
| Tier 1 risk-based capital ratio | 9.7173% | 7,216 |
| Total risk-based capital ratio | 10.4442% | 7,597 |
| Memoranda: | ||
| Average total assets | $176,095,330 | 3,541 |
| Average earning assets | $158,833,670 | 3,583 |
| Average equity | $15,758,000 | 3,967 |
| Average total loans | $131,695,670 | 3,310 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 5,161 |
| Cost of funding earning assets | 1.3382% | 6,909 |
| Net interest margin | 4.1156% | 2,225 |
| Noninterest income to average assets | 0.5840% | 3,660 |
| Noninterest expense to average assets | 3.1940% | 3,008 |
| Loan and lease loss provision to assets | 0.2966% | 3,575 |
| Net operating income to assets | 0.8122% | 3,077 |
| Return on assets (ROA) | 0.8122% | 3,234 |
| Pretax return on assets | 0.8122% | 4,035 |
| Return on Equity (ROE) | 9.0597% | 2,688 |
| Retained earnings to average equity (ytd only) | 2.3413% | 4,573 |
| Net charge-offs to loans | 0.0309% | 5,086 |
| Credit loss provision to net charge-offs | 1,300.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 746 |
| Efficiency ratio | 74.2312% | 3,785 |
| Assets per employee ($millions) | 2.7222% | 6,840 |
| Cash dividends to net income (ytd only)* | 74.1573% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,955 |
| Loan loss allowance to noncurrent loans | 187.3935% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 5,056 |
| Noncurrent loans to loans | 0.4551% | 6,282 |
| Net loans and leases to total assets | 72.2666% | 3,185 |
| Net loans and leases to deposits | 79.6068% | 4,674 |
| Net loans and leases to core deposits | 104.7514% | 4,055 |
| Total domestic deposits to total assets | 90.7795% | 486 |
| Equity capital to assets | 8.8554% | 5,546 |
| Core capital (leverage) ratio | 7.5006% | 7,161 |
| Tier 1 risk-based capital ratio | 9.7574% | 7,193 |
| Total risk-based capital ratio | 10.5867% | 7,529 |
| Memoranda: | ||
| Average total assets | $175,328,000 | 3,575 |
| Average earning assets | $158,423,500 | 3,603 |
| Average equity | $15,718,000 | 3,999 |
| Average total loans | $129,500,000 | 3,375 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4039% | 3,400 |
| Cost of funding earning assets | 2.1705% | 5,730 |
| Net interest margin | 4.2334% | 2,182 |
| Noninterest income to average assets | 0.6148% | 3,742 |
| Noninterest expense to average assets | 3.4067% | 2,656 |
| Loan and lease loss provision to assets | 0.2320% | 4,576 |
| Net operating income to assets | 0.7609% | 3,613 |
| Return on assets (ROA) | 0.7712% | 3,408 |
| Pretax return on assets | 0.7712% | 4,177 |
| Return on Equity (ROE) | 8.6662% | 2,770 |
| Retained earnings to average equity (ytd only) | 2.3951% | 3,710 |
| Net charge-offs to loans | 0.2062% | 4,145 |
| Credit loss provision to net charge-offs | 163.9676% | 3,145 |
| Earnings coverage of net charge-offs (x) | 7.0162% | 3,212 |
| Efficiency ratio | 77.4320% | 3,007 |
| Assets per employee ($millions) | 2.6320% | 6,932 |
| Cash dividends to net income (ytd only)* | 72.3626% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 7,269 |
| Loan loss allowance to noncurrent loans | 47.4347% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 1.1893% | 3,874 |
| Noncurrent loans to loans | 1.5889% | 3,389 |
| Net loans and leases to total assets | 74.2888% | 3,035 |
| Net loans and leases to deposits | 82.0485% | 4,722 |
| Net loans and leases to core deposits | 106.0177% | 4,197 |
| Total domestic deposits to total assets | 90.5425% | 470 |
| Equity capital to assets | 9.0764% | 5,259 |
| Core capital (leverage) ratio | 7.5327% | 7,163 |
| Tier 1 risk-based capital ratio | 9.7449% | 7,025 |
| Total risk-based capital ratio | 10.4881% | 7,523 |
| Memoranda: | ||
| Average total assets | $174,536,000 | 3,485 |
| Average earning assets | $156,046,000 | 3,550 |
| Average equity | $15,531,600 | 4,019 |
| Average total loans | $119,804,400 | 3,461 |