Home > Central Bank of Kansas City > Performance and Condition Ratios
Central Bank of Kansas City, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 2,265 |
| Cost of funding earning assets | 0.7758% | 3,799 |
| Net interest margin | 4.1272% | 1,035 |
| Noninterest income to average assets | 2.0600% | 260 |
| Noninterest expense to average assets | 2.0097% | 3,602 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 3.9429% | 103 |
| Return on assets (ROA) | 3.8501% | 107 |
| Pretax return on assets | 3.8848% | 121 |
| Return on Equity (ROE) | 29.2400% | 197 |
| Retained earnings to average equity (ytd only) | 0.1647% | 4,009 |
| Net charge-offs to loans | -0.0130% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 33.5005% | 4,467 |
| Assets per employee ($millions) | 9.2331% | 909 |
| Cash dividends to net income (ytd only)* | 99.4368% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 1,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.3500% | 2,218 |
| Net loans and leases to deposits | 77.8227% | 2,280 |
| Net loans and leases to core deposits | 102.1154% | 1,324 |
| Total domestic deposits to total assets | 85.2500% | 2,228 |
| Equity capital to assets | 12.7229% | 935 |
| Core capital (leverage) ratio | 13.0909% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9195% | 934 |
| Memoranda: | ||
| Average total assets | $368,954,400 | 2,119 |
| Average earning assets | $352,393,600 | 2,080 |
| Average equity | $48,579,600 | 1,645 |
| Average total loans | $238,958,600 | 2,065 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 2,129 |
| Cost of funding earning assets | 0.6585% | 3,850 |
| Net interest margin | 4.2104% | 908 |
| Noninterest income to average assets | 2.1000% | 272 |
| Noninterest expense to average assets | 1.9748% | 3,652 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 4.0891% | 110 |
| Return on assets (ROA) | 4.0916% | 108 |
| Pretax return on assets | 4.1268% | 127 |
| Return on Equity (ROE) | 30.8000% | 207 |
| Retained earnings to average equity (ytd only) | 0.2838% | 4,069 |
| Net charge-offs to loans | -0.0160% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 32.3015% | 4,497 |
| Assets per employee ($millions) | 8.9273% | 955 |
| Cash dividends to net income (ytd only)* | 99.0785% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.0000% | 2,242 |
| Net loans and leases to deposits | 77.8240% | 2,266 |
| Net loans and leases to core deposits | 102.3103% | 1,192 |
| Total domestic deposits to total assets | 84.8000% | 2,562 |
| Equity capital to assets | 13.1843% | 777 |
| Core capital (leverage) ratio | 13.2969% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8905% | 825 |
| Memoranda: | ||
| Average total assets | $364,245,500 | 2,143 |
| Average earning assets | $347,069,000 | 2,107 |
| Average equity | $48,390,000 | 1,637 |
| Average total loans | $233,540,250 | 2,088 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 2,007 |
| Cost of funding earning assets | 0.6077% | 3,731 |
| Net interest margin | 4.1851% | 951 |
| Noninterest income to average assets | 2.2300% | 223 |
| Noninterest expense to average assets | 1.9183% | 3,775 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 4.2321% | 89 |
| Return on assets (ROA) | 4.2359% | 90 |
| Pretax return on assets | 4.2694% | 101 |
| Return on Equity (ROE) | 31.8000% | 184 |
| Retained earnings to average equity (ytd only) | 0.1115% | 4,050 |
| Net charge-offs to loans | -0.0226% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 30.9110% | 4,538 |
| Assets per employee ($millions) | 7.9035% | 1,366 |
| Cash dividends to net income (ytd only)* | 99.6494% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 1,479 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.9400% | 1,964 |
| Net loans and leases to deposits | 79.9919% | 1,981 |
| Net loans and leases to core deposits | 105.0742% | 1,015 |
| Total domestic deposits to total assets | 84.9300% | 2,563 |
| Equity capital to assets | 13.5656% | 706 |
| Core capital (leverage) ratio | 13.3019% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8914% | 827 |
| Memoranda: | ||
| Average total assets | $363,654,000 | 2,154 |
| Average earning assets | $345,557,667 | 2,118 |
| Average equity | $48,434,333 | 1,638 |
| Average total loans | $229,750,333 | 2,095 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 2,100 |
| Cost of funding earning assets | 0.5615% | 3,496 |
| Net interest margin | 4.0319% | 1,209 |
| Noninterest income to average assets | 2.4600% | 195 |
| Noninterest expense to average assets | 1.8420% | 3,961 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 4.3661% | 87 |
| Return on assets (ROA) | 4.3661% | 86 |
| Pretax return on assets | 4.3911% | 100 |
| Return on Equity (ROE) | 33.0800% | 185 |
| Retained earnings to average equity (ytd only) | 0.1072% | 4,004 |
| Net charge-offs to loans | -0.0414% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 29.3465% | 4,612 |
| Assets per employee ($millions) | 7.9688% | 1,361 |
| Cash dividends to net income (ytd only)* | 99.6761% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 1,059 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.0500% | 2,459 |
| Net loans and leases to deposits | 73.3018% | 2,360 |
| Net loans and leases to core deposits | 93.2502% | 1,439 |
| Total domestic deposits to total assets | 84.6600% | 2,939 |
| Equity capital to assets | 13.6064% | 652 |
| Core capital (leverage) ratio | 13.4328% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6043% | 695 |
| Memoranda: | ||
| Average total assets | $367,653,000 | 2,166 |
| Average earning assets | $348,325,000 | 2,130 |
| Average equity | $48,528,000 | 1,645 |
| Average total loans | $222,085,000 | 2,157 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 2,043 |
| Cost of funding earning assets | 0.1940% | 3,808 |
| Net interest margin | 3.6830% | 1,415 |
| Noninterest income to average assets | 9.7100% | 100 |
| Noninterest expense to average assets | 5.4384% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 7.6749% | 46 |
| Return on assets (ROA) | 7.6749% | 45 |
| Pretax return on assets | 7.7004% | 59 |
| Return on Equity (ROE) | 59.5400% | 23 |
| Retained earnings to average equity (ytd only) | 1.0903% | 4,179 |
| Net charge-offs to loans | 0.0009% | 2,552 |
| Credit loss provision to net charge-offs | 650.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 13,293.0000% | 6 |
| Efficiency ratio | 41.3798% | 4,507 |
| Assets per employee ($millions) | 8.5616% | 1,066 |
| Cash dividends to net income (ytd only)* | 98.1688% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 971 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.9600% | 2,919 |
| Net loans and leases to deposits | 66.7365% | 2,840 |
| Net loans and leases to core deposits | 83.3075% | 1,913 |
| Total domestic deposits to total assets | 85.3600% | 2,894 |
| Equity capital to assets | 12.8120% | 740 |
| Core capital (leverage) ratio | 12.9778% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0214% | 628 |
| Memoranda: | ||
| Average total assets | $345,085,400 | 2,243 |
| Average earning assets | $321,636,800 | 2,231 |
| Average equity | $44,484,600 | 1,771 |
| Average total loans | $217,439,400 | 2,121 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 2,228 |
| Cost of funding earning assets | 0.1276% | 4,053 |
| Net interest margin | 3.5109% | 1,638 |
| Noninterest income to average assets | 12.0800% | 94 |
| Noninterest expense to average assets | 6.7903% | 149 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 8.5282% | 49 |
| Return on assets (ROA) | 8.5282% | 48 |
| Pretax return on assets | 8.5487% | 55 |
| Return on Equity (ROE) | 66.0400% | 16 |
| Retained earnings to average equity (ytd only) | 52.2636% | 13 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.2555% | 4,457 |
| Assets per employee ($millions) | 8.4671% | 1,087 |
| Cash dividends to net income (ytd only)* | 20.8652% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 1,117 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.1700% | 2,483 |
| Net loans and leases to deposits | 71.4424% | 2,248 |
| Net loans and leases to core deposits | 88.7994% | 1,372 |
| Total domestic deposits to total assets | 84.2200% | 3,448 |
| Equity capital to assets | 15.0262% | 452 |
| Core capital (leverage) ratio | 15.1809% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5127% | 462 |
| Memoranda: | ||
| Average total assets | $337,179,500 | 2,288 |
| Average earning assets | $313,569,750 | 2,286 |
| Average equity | $43,539,750 | 1,835 |
| Average total loans | $217,278,000 | 2,124 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 2,361 |
| Cost of funding earning assets | 0.0519% | 4,585 |
| Net interest margin | 3.3725% | 1,682 |
| Noninterest income to average assets | 8.0272% | 72 |
| Noninterest expense to average assets | 8.0710% | 94 |
| Loan and lease loss provision to assets | 0.0049% | 2,519 |
| Net operating income to assets | 3.0596% | 69 |
| Return on assets (ROA) | 3.0596% | 64 |
| Pretax return on assets | 3.0791% | 87 |
| Return on Equity (ROE) | 25.2204% | 108 |
| Retained earnings to average equity (ytd only) | 2.6170% | 3,575 |
| Net charge-offs to loans | 0.0009% | 2,117 |
| Credit loss provision to net charge-offs | 800.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 5,061.0000% | 9 |
| Efficiency ratio | 72.3533% | 1,702 |
| Assets per employee ($millions) | 3.5427% | 4,538 |
| Cash dividends to net income (ytd only)* | 89.6236% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 1,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 63.5732% | 1,954 |
| Net loans and leases to deposits | 72.8810% | 1,965 |
| Net loans and leases to core deposits | 91.0970% | 1,061 |
| Total domestic deposits to total assets | 87.2288% | 2,857 |
| Equity capital to assets | 11.2550% | 1,113 |
| Core capital (leverage) ratio | 11.7240% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5891% | 1,286 |
| Memoranda: | ||
| Average total assets | $328,211,000 | 2,334 |
| Average earning assets | $304,402,667 | 2,353 |
| Average equity | $39,817,000 | 2,001 |
| Average total loans | $215,512,667 | 2,143 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1949% | 2,708 |
| Cost of funding earning assets | 0.0487% | 4,613 |
| Net interest margin | 3.1461% | 2,038 |
| Noninterest income to average assets | 7.7572% | 74 |
| Noninterest expense to average assets | 8.1601% | 89 |
| Loan and lease loss provision to assets | 0.0063% | 2,197 |
| Net operating income to assets | 2.4912% | 124 |
| Return on assets (ROA) | 2.4912% | 120 |
| Pretax return on assets | 2.5088% | 183 |
| Return on Equity (ROE) | 19.7574% | 237 |
| Retained earnings to average equity (ytd only) | 19.7574% | 99 |
| Net charge-offs to loans | 0.0038% | 1,634 |
| Credit loss provision to net charge-offs | 250.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 1,002.0000% | 83 |
| Efficiency ratio | 76.4402% | 1,470 |
| Assets per employee ($millions) | 3.3333% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 1,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.3383% | 1,582 |
| Net loans and leases to deposits | 75.5643% | 1,484 |
| Net loans and leases to core deposits | 103.5203% | 412 |
| Total domestic deposits to total assets | 85.1438% | 3,508 |
| Equity capital to assets | 12.5129% | 803 |
| Core capital (leverage) ratio | 12.6479% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2582% | 1,006 |
| Memoranda: | ||
| Average total assets | $318,723,000 | 2,401 |
| Average earning assets | $295,600,000 | 2,417 |
| Average equity | $40,187,500 | 2,048 |
| Average total loans | $211,163,000 | 2,164 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5334% | 2,564 |
| Cost of funding earning assets | 0.0639% | 4,622 |
| Net interest margin | 3.4695% | 1,834 |
| Noninterest income to average assets | 8.7538% | 73 |
| Noninterest expense to average assets | 7.0778% | 104 |
| Loan and lease loss provision to assets | 0.0035% | 3,013 |
| Net operating income to assets | 4.8335% | 45 |
| Return on assets (ROA) | 4.8335% | 46 |
| Pretax return on assets | 4.8697% | 60 |
| Return on Equity (ROE) | 37.8185% | 35 |
| Retained earnings to average equity (ytd only) | -0.3447% | 4,534 |
| Net charge-offs to loans | -0.0604% | 4,408 |
| Credit loss provision to net charge-offs | -8.5271% | 3,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2238% | 3,267 |
| Assets per employee ($millions) | 3.1712% | 4,659 |
| Cash dividends to net income (ytd only)* | 100.9115% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,111 |
| Loan loss allowance to noncurrent loans | 87,225.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,192 |
| Noncurrent loans to loans | 0.0019% | 4,115 |
| Net loans and leases to total assets | 66.0196% | 1,467 |
| Net loans and leases to deposits | 78.1136% | 1,390 |
| Net loans and leases to core deposits | 109.8043% | 286 |
| Total domestic deposits to total assets | 84.5174% | 3,417 |
| Equity capital to assets | 12.7099% | 991 |
| Core capital (leverage) ratio | 11.6992% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6730% | 1,123 |
| Memoranda: | ||
| Average total assets | $317,781,400 | 2,347 |
| Average earning assets | $292,834,000 | 2,368 |
| Average equity | $40,615,000 | 2,066 |
| Average total loans | $213,456,600 | 2,144 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 2,551 |
| Cost of funding earning assets | 0.0672% | 4,701 |
| Net interest margin | 3.5355% | 1,770 |
| Noninterest income to average assets | 8.6913% | 79 |
| Noninterest expense to average assets | 6.5569% | 113 |
| Loan and lease loss provision to assets | 0.0025% | 2,920 |
| Net operating income to assets | 5.3364% | 47 |
| Return on assets (ROA) | 5.3364% | 46 |
| Pretax return on assets | 5.3823% | 55 |
| Return on Equity (ROE) | 41.6973% | 31 |
| Retained earnings to average equity (ytd only) | 2.5725% | 4,036 |
| Net charge-offs to loans | -0.0839% | 4,545 |
| Credit loss provision to net charge-offs | -4.4444% | 3,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9076% | 3,674 |
| Assets per employee ($millions) | 3.5567% | 4,623 |
| Cash dividends to net income (ytd only)* | 93.8306% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.7899% | 2,163 |
| Net loans and leases to deposits | 72.3758% | 2,014 |
| Net loans and leases to core deposits | 101.5144% | 538 |
| Total domestic deposits to total assets | 83.9921% | 3,455 |
| Equity capital to assets | 12.6859% | 1,097 |
| Core capital (leverage) ratio | 11.7514% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7554% | 999 |
| Memoranda: | ||
| Average total assets | $319,531,250 | 2,370 |
| Average earning assets | $293,773,500 | 2,387 |
| Average equity | $40,893,750 | 2,083 |
| Average total loans | $214,654,250 | 2,172 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 2,290 |
| Cost of funding earning assets | 0.0722% | 4,731 |
| Net interest margin | 3.6440% | 1,486 |
| Noninterest income to average assets | 7.5737% | 84 |
| Noninterest expense to average assets | 6.2479% | 118 |
| Loan and lease loss provision to assets | 0.0019% | 2,834 |
| Net operating income to assets | 4.6289% | 59 |
| Return on assets (ROA) | 4.6289% | 59 |
| Pretax return on assets | 4.6759% | 72 |
| Return on Equity (ROE) | 36.0633% | 58 |
| Retained earnings to average equity (ytd only) | 9.2269% | 1,640 |
| Net charge-offs to loans | -0.0927% | 4,604 |
| Credit loss provision to net charge-offs | -2.9412% | 2,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1854% | 3,377 |
| Assets per employee ($millions) | 3.7282% | 4,590 |
| Cash dividends to net income (ytd only)* | 74.4148% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 1,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,948 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.9091% | 2,190 |
| Net loans and leases to deposits | 73.1656% | 2,084 |
| Net loans and leases to core deposits | 97.2409% | 751 |
| Total domestic deposits to total assets | 84.6150% | 3,255 |
| Equity capital to assets | 12.4497% | 1,155 |
| Core capital (leverage) ratio | 12.1202% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3194% | 1,062 |
| Memoranda: | ||
| Average total assets | $319,340,333 | 2,363 |
| Average earning assets | $293,744,333 | 2,381 |
| Average equity | $40,989,000 | 2,064 |
| Average total loans | $220,179,000 | 2,145 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 1,658 |
| Cost of funding earning assets | 0.0772% | 4,762 |
| Net interest margin | 3.8928% | 998 |
| Noninterest income to average assets | 7.4938% | 91 |
| Noninterest expense to average assets | 5.9619% | 119 |
| Loan and lease loss provision to assets | 0.0013% | 2,731 |
| Net operating income to assets | 5.0469% | 57 |
| Return on assets (ROA) | 5.0469% | 58 |
| Pretax return on assets | 5.0970% | 73 |
| Return on Equity (ROE) | 38.6925% | 70 |
| Retained earnings to average equity (ytd only) | 14.0602% | 750 |
| Net charge-offs to loans | -0.0196% | 3,987 |
| Credit loss provision to net charge-offs | -9.0909% | 2,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9043% | 3,794 |
| Assets per employee ($millions) | 3.9704% | 4,494 |
| Cash dividends to net income (ytd only)* | 63.6618% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 4,038 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 67.5553% | 1,589 |
| Net loans and leases to deposits | 77.8934% | 1,729 |
| Net loans and leases to core deposits | 108.4106% | 451 |
| Total domestic deposits to total assets | 86.7279% | 2,430 |
| Equity capital to assets | 12.6889% | 994 |
| Core capital (leverage) ratio | 12.6990% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9748% | 1,293 |
| Memoranda: | ||
| Average total assets | $311,243,500 | 2,389 |
| Average earning assets | $285,142,000 | 2,413 |
| Average equity | $40,597,000 | 2,063 |
| Average total loans | $224,678,500 | 2,120 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 1,740 |
| Cost of funding earning assets | 0.1591% | 4,701 |
| Net interest margin | 4.1828% | 662 |
| Noninterest income to average assets | 6.6031% | 91 |
| Noninterest expense to average assets | 5.6982% | 143 |
| Loan and lease loss provision to assets | 0.3206% | 1,148 |
| Net operating income to assets | 4.4454% | 51 |
| Return on assets (ROA) | 4.4454% | 51 |
| Pretax return on assets | 4.4294% | 65 |
| Return on Equity (ROE) | 30.8713% | 65 |
| Retained earnings to average equity (ytd only) | 15.0426% | 157 |
| Net charge-offs to loans | -0.0415% | 4,628 |
| Credit loss provision to net charge-offs | -927.4725% | 4,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5375% | 4,155 |
| Assets per employee ($millions) | 4.0124% | 4,365 |
| Cash dividends to net income (ytd only)* | 51.2733% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 1,652 |
| Loan loss allowance to noncurrent loans | 66.4418% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.7486% | 362 |
| Noncurrent loans to loans | 2.2291% | 481 |
| Net loans and leases to total assets | 75.0072% | 902 |
| Net loans and leases to deposits | 87.5226% | 1,134 |
| Net loans and leases to core deposits | 132.1227% | 183 |
| Total domestic deposits to total assets | 85.7004% | 2,488 |
| Equity capital to assets | 13.4323% | 954 |
| Core capital (leverage) ratio | 12.8814% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3523% | 1,430 |
| Memoranda: | ||
| Average total assets | $263,239,000 | 2,497 |
| Average earning assets | $241,989,600 | 2,515 |
| Average equity | $37,905,800 | 2,094 |
| Average total loans | $219,129,600 | 2,110 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 1,731 |
| Cost of funding earning assets | 0.1774% | 4,736 |
| Net interest margin | 4.2642% | 633 |
| Noninterest income to average assets | 6.6409% | 88 |
| Noninterest expense to average assets | 5.8466% | 134 |
| Loan and lease loss provision to assets | 0.4399% | 744 |
| Net operating income to assets | 4.2617% | 48 |
| Return on assets (ROA) | 4.2617% | 48 |
| Pretax return on assets | 4.3031% | 59 |
| Return on Equity (ROE) | 29.0278% | 72 |
| Retained earnings to average equity (ytd only) | 20.1181% | 79 |
| Net charge-offs to loans | -0.0399% | 4,612 |
| Credit loss provision to net charge-offs | -1,293.8462% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2102% | 4,012 |
| Assets per employee ($millions) | 3.8964% | 4,411 |
| Cash dividends to net income (ytd only)* | 30.6937% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,719 |
| Loan loss allowance to noncurrent loans | 63.4053% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.8680% | 388 |
| Noncurrent loans to loans | 2.2150% | 522 |
| Net loans and leases to total assets | 80.7887% | 541 |
| Net loans and leases to deposits | 94.8576% | 856 |
| Net loans and leases to core deposits | 137.8878% | 177 |
| Total domestic deposits to total assets | 85.1684% | 2,370 |
| Equity capital to assets | 13.8130% | 905 |
| Core capital (leverage) ratio | 13.8873% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7812% | 1,563 |
| Memoranda: | ||
| Average total assets | $254,819,250 | 2,535 |
| Average earning assets | $235,974,000 | 2,535 |
| Average equity | $37,411,500 | 2,106 |
| Average total loans | $217,397,500 | 2,119 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 1,162 |
| Cost of funding earning assets | 0.1974% | 4,770 |
| Net interest margin | 4.6073% | 407 |
| Noninterest income to average assets | 6.4396% | 86 |
| Noninterest expense to average assets | 6.1244% | 131 |
| Loan and lease loss provision to assets | 0.6559% | 441 |
| Net operating income to assets | 3.8276% | 54 |
| Return on assets (ROA) | 3.8276% | 55 |
| Pretax return on assets | 3.9311% | 65 |
| Return on Equity (ROE) | 25.4765% | 108 |
| Retained earnings to average equity (ytd only) | 25.4765% | 46 |
| Net charge-offs to loans | -0.0531% | 4,695 |
| Credit loss provision to net charge-offs | -1,426.7857% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1768% | 3,789 |
| Assets per employee ($millions) | 3.7359% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 4,227 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 87.7269% | 69 |
| Net loans and leases to deposits | 104.2648% | 365 |
| Net loans and leases to core deposits | 153.1976% | 94 |
| Total domestic deposits to total assets | 84.1385% | 2,709 |
| Equity capital to assets | 14.8539% | 646 |
| Core capital (leverage) ratio | 13.9943% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6666% | 1,583 |
| Memoranda: | ||
| Average total assets | $243,649,000 | 2,584 |
| Average earning assets | $225,902,000 | 2,583 |
| Average equity | $36,606,333 | 2,127 |
| Average total loans | $211,111,333 | 2,143 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 1,632 |
| Cost of funding earning assets | 0.2030% | 4,885 |
| Net interest margin | 4.5230% | 480 |
| Noninterest income to average assets | 6.6122% | 78 |
| Noninterest expense to average assets | 6.0260% | 146 |
| Loan and lease loss provision to assets | 0.2181% | 1,418 |
| Net operating income to assets | 4.4462% | 34 |
| Return on assets (ROA) | 4.4462% | 34 |
| Pretax return on assets | 4.5451% | 38 |
| Return on Equity (ROE) | 29.4080% | 37 |
| Retained earnings to average equity (ytd only) | 29.4080% | 18 |
| Net charge-offs to loans | -0.0300% | 4,472 |
| Credit loss provision to net charge-offs | -853.3333% | 3,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8522% | 4,219 |
| Assets per employee ($millions) | 3.3034% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 4,243 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 86.6181% | 113 |
| Net loans and leases to deposits | 103.8772% | 369 |
| Net loans and leases to core deposits | 134.4751% | 218 |
| Total domestic deposits to total assets | 83.3851% | 2,986 |
| Equity capital to assets | 15.9109% | 601 |
| Core capital (leverage) ratio | 14.5526% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4399% | 1,496 |
| Memoranda: | ||
| Average total assets | $234,716,500 | 2,601 |
| Average earning assets | $216,761,000 | 2,600 |
| Average equity | $35,487,000 | 2,174 |
| Average total loans | $200,324,000 | 2,181 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 1,199 |
| Cost of funding earning assets | 0.2462% | 4,860 |
| Net interest margin | 4.8617% | 357 |
| Noninterest income to average assets | 7.4144% | 79 |
| Noninterest expense to average assets | 6.0518% | 137 |
| Loan and lease loss provision to assets | 0.0085% | 3,838 |
| Net operating income to assets | 5.7711% | 31 |
| Return on assets (ROA) | 5.7711% | 34 |
| Pretax return on assets | 5.8306% | 43 |
| Return on Equity (ROE) | 35.4624% | 27 |
| Retained earnings to average equity (ytd only) | 17.0132% | 57 |
| Net charge-offs to loans | -0.4138% | 5,112 |
| Credit loss provision to net charge-offs | -2.5298% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8942% | 4,678 |
| Assets per employee ($millions) | 3.4028% | 4,563 |
| Cash dividends to net income (ytd only)* | 52.0246% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,263 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.0269% | 554 |
| Net loans and leases to deposits | 96.7157% | 868 |
| Net loans and leases to core deposits | 125.0890% | 362 |
| Total domestic deposits to total assets | 84.8124% | 2,566 |
| Equity capital to assets | 14.3504% | 984 |
| Core capital (leverage) ratio | 14.3538% | 835 |
| Tier 1 risk-based capital ratio | 14.3913% | 3,072 |
| Total risk-based capital ratio | 15.4854% | 3,068 |
| Memoranda: | ||
| Average total assets | $199,840,800 | 2,841 |
| Average earning assets | $184,008,400 | 2,847 |
| Average equity | $32,521,800 | 2,273 |
| Average total loans | $162,384,200 | 2,484 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 1,176 |
| Cost of funding earning assets | 0.2506% | 4,922 |
| Net interest margin | 4.8900% | 348 |
| Noninterest income to average assets | 7.0887% | 78 |
| Noninterest expense to average assets | 6.1370% | 134 |
| Loan and lease loss provision to assets | 0.0077% | 3,731 |
| Net operating income to assets | 5.3892% | 34 |
| Return on assets (ROA) | 5.3892% | 36 |
| Pretax return on assets | 5.4439% | 43 |
| Return on Equity (ROE) | 31.9343% | 31 |
| Retained earnings to average equity (ytd only) | 31.9343% | 11 |
| Net charge-offs to loans | -0.4872% | 5,187 |
| Credit loss provision to net charge-offs | -1.9608% | 3,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9572% | 4,509 |
| Assets per employee ($millions) | 3.4865% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 1,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 4,284 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.1183% | 1,294 |
| Net loans and leases to deposits | 94.3253% | 1,192 |
| Net loans and leases to core deposits | 120.5226% | 524 |
| Total domestic deposits to total assets | 81.7578% | 3,546 |
| Equity capital to assets | 16.8104% | 503 |
| Core capital (leverage) ratio | 16.3607% | 517 |
| Tier 1 risk-based capital ratio | 17.6190% | 1,918 |
| Total risk-based capital ratio | 18.8125% | 1,894 |
| Memoranda: | ||
| Average total assets | $190,252,250 | 2,946 |
| Average earning assets | $175,072,250 | 2,959 |
| Average equity | $32,106,750 | 2,309 |
| Average total loans | $153,531,000 | 2,610 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 1,037 |
| Cost of funding earning assets | 0.2556% | 4,940 |
| Net interest margin | 4.9168% | 342 |
| Noninterest income to average assets | 6.9609% | 76 |
| Noninterest expense to average assets | 6.3475% | 130 |
| Loan and lease loss provision to assets | 0.0088% | 3,565 |
| Net operating income to assets | 5.1031% | 34 |
| Return on assets (ROA) | 5.1031% | 37 |
| Pretax return on assets | 5.1372% | 47 |
| Return on Equity (ROE) | 30.1925% | 44 |
| Retained earnings to average equity (ytd only) | 30.1925% | 14 |
| Net charge-offs to loans | -0.3815% | 5,208 |
| Credit loss provision to net charge-offs | -2.8269% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2266% | 4,344 |
| Assets per employee ($millions) | 3.2750% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,277 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 75.6743% | 1,600 |
| Net loans and leases to deposits | 92.6410% | 1,419 |
| Net loans and leases to core deposits | 112.3115% | 854 |
| Total domestic deposits to total assets | 81.6856% | 3,609 |
| Equity capital to assets | 16.3913% | 551 |
| Core capital (leverage) ratio | 16.2760% | 512 |
| Tier 1 risk-based capital ratio | 17.2134% | 2,025 |
| Total risk-based capital ratio | 18.3374% | 2,008 |
| Memoranda: | ||
| Average total assets | $181,615,000 | 3,037 |
| Average earning assets | $167,424,330 | 3,055 |
| Average equity | $30,696,330 | 2,370 |
| Average total loans | $148,375,330 | 2,675 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 897 |
| Cost of funding earning assets | 0.3034% | 4,836 |
| Net interest margin | 4.9056% | 332 |
| Noninterest income to average assets | 5.3553% | 88 |
| Noninterest expense to average assets | 6.2377% | 129 |
| Loan and lease loss provision to assets | 0.0070% | 3,340 |
| Net operating income to assets | 3.5296% | 68 |
| Return on assets (ROA) | 3.5296% | 71 |
| Pretax return on assets | 3.6139% | 81 |
| Return on Equity (ROE) | 20.5149% | 239 |
| Retained earnings to average equity (ytd only) | 20.5149% | 96 |
| Net charge-offs to loans | -0.4726% | 5,264 |
| Credit loss provision to net charge-offs | -1.7544% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2716% | 3,348 |
| Assets per employee ($millions) | 2.6539% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 4,119 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 87.3825% | 124 |
| Net loans and leases to deposits | 108.0468% | 269 |
| Net loans and leases to core deposits | 126.2945% | 372 |
| Total domestic deposits to total assets | 80.8747% | 3,993 |
| Equity capital to assets | 18.3280% | 319 |
| Core capital (leverage) ratio | 16.5816% | 469 |
| Tier 1 risk-based capital ratio | 16.8211% | 2,165 |
| Total risk-based capital ratio | 17.9719% | 2,145 |
| Memoranda: | ||
| Average total assets | $170,896,000 | 3,186 |
| Average earning assets | $156,882,000 | 3,197 |
| Average equity | $29,403,000 | 2,446 |
| Average total loans | $144,726,500 | 2,743 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 1,053 |
| Cost of funding earning assets | 0.1323% | 5,222 |
| Net interest margin | 4.8643% | 347 |
| Noninterest income to average assets | 5.1356% | 93 |
| Noninterest expense to average assets | 5.4873% | 156 |
| Loan and lease loss provision to assets | -0.5925% | 5,392 |
| Net operating income to assets | 4.6313% | 39 |
| Return on assets (ROA) | 4.6313% | 38 |
| Pretax return on assets | 4.7226% | 48 |
| Return on Equity (ROE) | 25.9793% | 76 |
| Retained earnings to average equity (ytd only) | 5.3554% | 2,555 |
| Net charge-offs to loans | -0.1198% | 5,188 |
| Credit loss provision to net charge-offs | 608.1761% | 568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0564% | 4,278 |
| Assets per employee ($millions) | 3.1652% | 4,870 |
| Cash dividends to net income (ytd only)* | 79.3861% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 2,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 3,882 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 80.1428% | 916 |
| Net loans and leases to deposits | 103.5221% | 509 |
| Net loans and leases to core deposits | 117.4573% | 637 |
| Total domestic deposits to total assets | 77.4162% | 4,575 |
| Equity capital to assets | 16.1630% | 513 |
| Core capital (leverage) ratio | 16.2613% | 484 |
| Tier 1 risk-based capital ratio | 15.7915% | 2,498 |
| Total risk-based capital ratio | 17.0413% | 2,419 |
| Memoranda: | ||
| Average total assets | $163,195,000 | 3,236 |
| Average earning assets | $150,360,400 | 3,241 |
| Average equity | $29,092,400 | 2,391 |
| Average total loans | $132,687,600 | 2,850 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 878 |
| Cost of funding earning assets | 0.1149% | 5,316 |
| Net interest margin | 4.9172% | 305 |
| Noninterest income to average assets | 5.3664% | 92 |
| Noninterest expense to average assets | 5.6110% | 151 |
| Loan and lease loss provision to assets | 0.0175% | 3,664 |
| Net operating income to assets | 4.1849% | 49 |
| Return on assets (ROA) | 4.1849% | 49 |
| Pretax return on assets | 4.2768% | 55 |
| Return on Equity (ROE) | 22.8827% | 141 |
| Retained earnings to average equity (ytd only) | 18.3171% | 81 |
| Net charge-offs to loans | -0.1088% | 5,188 |
| Credit loss provision to net charge-offs | -19.8113% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6467% | 4,291 |
| Assets per employee ($millions) | 2.9519% | 5,069 |
| Cash dividends to net income (ytd only)* | 19.9521% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 437 |
| Loan loss allowance to noncurrent loans | 1,236.7442% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 3,339 |
| Noncurrent loans to loans | 0.1665% | 4,141 |
| Net loans and leases to total assets | 76.5157% | 1,582 |
| Net loans and leases to deposits | 95.4344% | 1,217 |
| Net loans and leases to core deposits | 106.3033% | 1,288 |
| Total domestic deposits to total assets | 80.1762% | 4,071 |
| Equity capital to assets | 18.8154% | 281 |
| Core capital (leverage) ratio | 18.6996% | 283 |
| Tier 1 risk-based capital ratio | 19.6010% | 1,417 |
| Total risk-based capital ratio | 20.8580% | 1,379 |
| Memoranda: | ||
| Average total assets | $159,681,000 | 3,308 |
| Average earning assets | $147,398,000 | 3,307 |
| Average equity | $29,203,250 | 2,392 |
| Average total loans | $129,915,250 | 2,900 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 701 |
| Cost of funding earning assets | 0.1084% | 5,384 |
| Net interest margin | 4.9616% | 266 |
| Noninterest income to average assets | 5.1494% | 94 |
| Noninterest expense to average assets | 5.5384% | 163 |
| Loan and lease loss provision to assets | 0.0228% | 3,461 |
| Net operating income to assets | 4.0822% | 44 |
| Return on assets (ROA) | 4.0822% | 43 |
| Pretax return on assets | 4.1697% | 56 |
| Return on Equity (ROE) | 22.5481% | 141 |
| Retained earnings to average equity (ytd only) | 22.5481% | 42 |
| Net charge-offs to loans | -0.0353% | 4,796 |
| Credit loss provision to net charge-offs | -78.2609% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9159% | 4,374 |
| Assets per employee ($millions) | 2.7474% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 453 |
| Loan loss allowance to noncurrent loans | 846.3816% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 3,040 |
| Noncurrent loans to loans | 0.2456% | 3,825 |
| Net loans and leases to total assets | 78.7786% | 1,195 |
| Net loans and leases to deposits | 99.1525% | 872 |
| Net loans and leases to core deposits | 108.4493% | 1,090 |
| Total domestic deposits to total assets | 79.4519% | 4,358 |
| Equity capital to assets | 19.7018% | 240 |
| Core capital (leverage) ratio | 18.3567% | 302 |
| Tier 1 risk-based capital ratio | 19.7318% | 1,373 |
| Total risk-based capital ratio | 20.9892% | 1,343 |
| Memoranda: | ||
| Average total assets | $157,806,000 | 3,349 |
| Average earning assets | $145,719,670 | 3,350 |
| Average equity | $28,570,000 | 2,442 |
| Average total loans | $130,172,330 | 2,909 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 420 |
| Cost of funding earning assets | 0.1138% | 5,413 |
| Net interest margin | 5.1639% | 169 |
| Noninterest income to average assets | 3.6675% | 130 |
| Noninterest expense to average assets | 5.3197% | 182 |
| Loan and lease loss provision to assets | 0.0225% | 3,236 |
| Net operating income to assets | 3.0441% | 81 |
| Return on assets (ROA) | 3.0441% | 82 |
| Pretax return on assets | 3.0967% | 105 |
| Return on Equity (ROE) | 17.5602% | 454 |
| Retained earnings to average equity (ytd only) | 17.5602% | 172 |
| Net charge-offs to loans | 0.0180% | 2,146 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 207.6667% | 328 |
| Efficiency ratio | 63.0377% | 3,629 |
| Assets per employee ($millions) | 2.7830% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 724 |
| Loan loss allowance to noncurrent loans | 615.2913% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 1,733 |
| Noncurrent loans to loans | 0.2989% | 3,691 |
| Net loans and leases to total assets | 86.8184% | 205 |
| Net loans and leases to deposits | 107.1546% | 337 |
| Net loans and leases to core deposits | 131.5908% | 308 |
| Total domestic deposits to total assets | 81.0216% | 4,198 |
| Equity capital to assets | 18.1634% | 300 |
| Core capital (leverage) ratio | 16.5128% | 430 |
| Tier 1 risk-based capital ratio | 17.2920% | 2,038 |
| Total risk-based capital ratio | 18.5475% | 1,987 |
| Memoranda: | ||
| Average total assets | $159,782,000 | 3,356 |
| Average earning assets | $147,641,500 | 3,366 |
| Average equity | $27,699,000 | 2,512 |
| Average total loans | $133,370,000 | 2,896 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,106 |
| Cost of funding earning assets | 0.1232% | 5,396 |
| Net interest margin | 4.2497% | 1,085 |
| Noninterest income to average assets | 6.3898% | 85 |
| Noninterest expense to average assets | 5.8574% | 152 |
| Loan and lease loss provision to assets | 0.0213% | 3,874 |
| Net operating income to assets | 4.3929% | 41 |
| Return on assets (ROA) | 4.4022% | 40 |
| Pretax return on assets | 4.4222% | 57 |
| Return on Equity (ROE) | 22.7263% | 106 |
| Retained earnings to average equity (ytd only) | 2.1160% | 4,049 |
| Net charge-offs to loans | 0.0209% | 3,409 |
| Credit loss provision to net charge-offs | 139.1304% | 1,901 |
| Earnings coverage of net charge-offs (x) | 289.7391% | 298 |
| Efficiency ratio | 56.9147% | 4,668 |
| Assets per employee ($millions) | 2.9235% | 5,250 |
| Cash dividends to net income (ytd only)* | 90.6892% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 574 |
| Loan loss allowance to noncurrent loans | 587.4710% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 1,745 |
| Noncurrent loans to loans | 0.3344% | 3,569 |
| Net loans and leases to total assets | 77.1876% | 1,395 |
| Net loans and leases to deposits | 93.3709% | 1,345 |
| Net loans and leases to core deposits | 112.4658% | 873 |
| Total domestic deposits to total assets | 82.6678% | 3,668 |
| Equity capital to assets | 16.5474% | 450 |
| Core capital (leverage) ratio | 17.2779% | 350 |
| Tier 1 risk-based capital ratio | 17.7469% | 1,873 |
| Total risk-based capital ratio | 18.6973% | 1,915 |
| Memoranda: | ||
| Average total assets | $150,287,400 | 3,468 |
| Average earning assets | $137,987,600 | 3,480 |
| Average equity | $29,111,600 | 2,420 |
| Average total loans | $110,213,600 | 3,179 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 2,149 |
| Cost of funding earning assets | 0.1258% | 5,449 |
| Net interest margin | 4.2125% | 1,126 |
| Noninterest income to average assets | 6.7042% | 87 |
| Noninterest expense to average assets | 5.8720% | 159 |
| Loan and lease loss provision to assets | 0.0209% | 3,730 |
| Net operating income to assets | 4.6633% | 44 |
| Return on assets (ROA) | 4.6760% | 43 |
| Pretax return on assets | 4.6842% | 59 |
| Return on Equity (ROE) | 23.1980% | 100 |
| Retained earnings to average equity (ytd only) | 23.1980% | 34 |
| Net charge-offs to loans | -0.2223% | 5,566 |
| Credit loss provision to net charge-offs | -13.0682% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5832% | 4,783 |
| Assets per employee ($millions) | 2.5148% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5859% | 240 |
| Loan loss allowance to noncurrent loans | 395.6395% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 1.5472% | 971 |
| Noncurrent loans to loans | 0.6536% | 2,750 |
| Net loans and leases to total assets | 72.8114% | 2,123 |
| Net loans and leases to deposits | 95.1727% | 1,185 |
| Net loans and leases to core deposits | 118.4336% | 635 |
| Total domestic deposits to total assets | 76.5045% | 4,955 |
| Equity capital to assets | 22.4574% | 140 |
| Core capital (leverage) ratio | 21.4081% | 161 |
| Tier 1 risk-based capital ratio | 28.0017% | 570 |
| Total risk-based capital ratio | 29.2681% | 556 |
| Memoranda: | ||
| Average total assets | $146,929,750 | 3,537 |
| Average earning assets | $134,642,750 | 3,563 |
| Average equity | $29,616,750 | 2,400 |
| Average total loans | $105,541,500 | 3,279 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 2,107 |
| Cost of funding earning assets | 0.1259% | 5,474 |
| Net interest margin | 4.1789% | 1,126 |
| Noninterest income to average assets | 7.9617% | 77 |
| Noninterest expense to average assets | 6.5869% | 137 |
| Loan and lease loss provision to assets | 0.0161% | 3,634 |
| Net operating income to assets | 5.2040% | 39 |
| Return on assets (ROA) | 5.2228% | 39 |
| Pretax return on assets | 5.2107% | 51 |
| Return on Equity (ROE) | 26.8770% | 57 |
| Retained earnings to average equity (ytd only) | 26.8770% | 26 |
| Net charge-offs to loans | -0.0776% | 5,331 |
| Credit loss provision to net charge-offs | -29.2683% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8452% | 4,848 |
| Assets per employee ($millions) | 2.5151% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5313% | 276 |
| Loan loss allowance to noncurrent loans | 403.7618% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2496% | 1,343 |
| Noncurrent loans to loans | 0.6269% | 2,853 |
| Net loans and leases to total assets | 70.4252% | 2,460 |
| Net loans and leases to deposits | 90.9740% | 1,612 |
| Net loans and leases to core deposits | 112.8648% | 858 |
| Total domestic deposits to total assets | 77.4124% | 4,900 |
| Equity capital to assets | 21.5588% | 156 |
| Core capital (leverage) ratio | 20.2577% | 197 |
| Tier 1 risk-based capital ratio | 29.0079% | 506 |
| Total risk-based capital ratio | 30.2754% | 499 |
| Memoranda: | ||
| Average total assets | $148,962,670 | 3,536 |
| Average earning assets | $136,638,330 | 3,544 |
| Average equity | $28,946,670 | 2,440 |
| Average total loans | $105,634,330 | 3,287 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 2,719 |
| Cost of funding earning assets | 0.1287% | 5,498 |
| Net interest margin | 3.9527% | 1,601 |
| Noninterest income to average assets | 11.7682% | 57 |
| Noninterest expense to average assets | 6.2684% | 151 |
| Loan and lease loss provision to assets | 0.0078% | 3,453 |
| Net operating income to assets | 9.1411% | 22 |
| Return on assets (ROA) | 9.1411% | 22 |
| Pretax return on assets | 9.1045% | 26 |
| Return on Equity (ROE) | 49.5361% | 15 |
| Retained earnings to average equity (ytd only) | 49.5361% | 11 |
| Net charge-offs to loans | -0.0297% | 4,927 |
| Credit loss provision to net charge-offs | -37.5000% | 3,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7546% | 5,676 |
| Assets per employee ($millions) | 2.6707% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3416% | 389 |
| Loan loss allowance to noncurrent loans | 297.7673% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 1,424 |
| Noncurrent loans to loans | 0.7864% | 2,491 |
| Net loans and leases to total assets | 70.6626% | 2,271 |
| Net loans and leases to deposits | 89.5042% | 1,599 |
| Net loans and leases to core deposits | 108.5855% | 940 |
| Total domestic deposits to total assets | 78.9489% | 4,834 |
| Equity capital to assets | 20.0501% | 211 |
| Core capital (leverage) ratio | 18.0983% | 278 |
| Tier 1 risk-based capital ratio | 26.7977% | 638 |
| Total risk-based capital ratio | 28.0632% | 627 |
| Memoranda: | ||
| Average total assets | $153,022,500 | 3,515 |
| Average earning assets | $139,852,500 | 3,529 |
| Average equity | $28,238,000 | 2,497 |
| Average total loans | $107,569,000 | 3,282 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 2,630 |
| Cost of funding earning assets | 0.1407% | 5,478 |
| Net interest margin | 4.0184% | 1,583 |
| Noninterest income to average assets | 4.3499% | 138 |
| Noninterest expense to average assets | 5.0745% | 246 |
| Loan and lease loss provision to assets | 0.1197% | 2,069 |
| Net operating income to assets | 2.7570% | 101 |
| Return on assets (ROA) | 2.7570% | 105 |
| Pretax return on assets | 2.8195% | 133 |
| Return on Equity (ROE) | 15.5021% | 563 |
| Retained earnings to average equity (ytd only) | 0.5495% | 5,107 |
| Net charge-offs to loans | -0.0140% | 5,031 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3234% | 4,054 |
| Assets per employee ($millions) | 2.7944% | 5,491 |
| Cash dividends to net income (ytd only)* | 96.4553% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3597% | 369 |
| Loan loss allowance to noncurrent loans | 225.2679% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.4998% | 1,109 |
| Noncurrent loans to loans | 1.0475% | 1,982 |
| Net loans and leases to total assets | 66.7144% | 2,971 |
| Net loans and leases to deposits | 81.0745% | 2,776 |
| Net loans and leases to core deposits | 95.8853% | 1,931 |
| Total domestic deposits to total assets | 82.2878% | 3,997 |
| Equity capital to assets | 16.9275% | 392 |
| Core capital (leverage) ratio | 16.4653% | 402 |
| Tier 1 risk-based capital ratio | 23.5957% | 905 |
| Total risk-based capital ratio | 24.8613% | 890 |
| Memoranda: | ||
| Average total assets | $150,418,000 | 3,517 |
| Average earning assets | $137,142,600 | 3,532 |
| Average equity | $26,751,200 | 2,589 |
| Average total loans | $107,184,200 | 3,256 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 2,181 |
| Cost of funding earning assets | 0.1426% | 5,527 |
| Net interest margin | 4.1509% | 1,252 |
| Noninterest income to average assets | 4.4789% | 136 |
| Noninterest expense to average assets | 5.0511% | 256 |
| Loan and lease loss provision to assets | 0.1522% | 1,537 |
| Net operating income to assets | 2.9880% | 89 |
| Return on assets (ROA) | 2.9880% | 92 |
| Pretax return on assets | 3.0561% | 121 |
| Return on Equity (ROE) | 16.5912% | 482 |
| Retained earnings to average equity (ytd only) | 6.6474% | 1,817 |
| Net charge-offs to loans | 0.0286% | 3,089 |
| Credit loss provision to net charge-offs | 739.1304% | 540 |
| Earnings coverage of net charge-offs (x) | 155.7617% | 451 |
| Efficiency ratio | 61.1557% | 4,362 |
| Assets per employee ($millions) | 2.7418% | 5,587 |
| Cash dividends to net income (ytd only)* | 59.9341% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4419% | 353 |
| Loan loss allowance to noncurrent loans | 209.2139% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 1.7383% | 972 |
| Noncurrent loans to loans | 1.1672% | 1,921 |
| Net loans and leases to total assets | 64.4002% | 3,348 |
| Net loans and leases to deposits | 79.3946% | 3,037 |
| Net loans and leases to core deposits | 117.0270% | 612 |
| Total domestic deposits to total assets | 81.1141% | 4,224 |
| Equity capital to assets | 18.0379% | 342 |
| Core capital (leverage) ratio | 16.2896% | 435 |
| Tier 1 risk-based capital ratio | 26.1327% | 701 |
| Total risk-based capital ratio | 27.3988% | 685 |
| Memoranda: | ||
| Average total assets | $148,901,250 | 3,558 |
| Average earning assets | $135,613,750 | 3,576 |
| Average equity | $26,816,750 | 2,599 |
| Average total loans | $107,250,000 | 3,272 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 2,523 |
| Cost of funding earning assets | 0.1463% | 5,571 |
| Net interest margin | 4.0496% | 1,506 |
| Noninterest income to average assets | 3.6117% | 168 |
| Noninterest expense to average assets | 5.0043% | 265 |
| Loan and lease loss provision to assets | 0.2131% | 998 |
| Net operating income to assets | 2.0305% | 310 |
| Return on assets (ROA) | 2.0305% | 328 |
| Pretax return on assets | 2.0766% | 491 |
| Return on Equity (ROE) | 11.2805% | 1,549 |
| Retained earnings to average equity (ytd only) | -3.8004% | 5,686 |
| Net charge-offs to loans | 0.0623% | 2,305 |
| Credit loss provision to net charge-offs | 461.7647% | 696 |
| Earnings coverage of net charge-offs (x) | 49.6176% | 1,002 |
| Efficiency ratio | 68.6081% | 3,225 |
| Assets per employee ($millions) | 2.8563% | 5,572 |
| Cash dividends to net income (ytd only)* | 133.6898% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 536 |
| Loan loss allowance to noncurrent loans | 133.5695% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 2.1181% | 752 |
| Noncurrent loans to loans | 1.6542% | 1,286 |
| Net loans and leases to total assets | 67.8184% | 2,804 |
| Net loans and leases to deposits | 81.5767% | 2,758 |
| Net loans and leases to core deposits | 116.4188% | 626 |
| Total domestic deposits to total assets | 83.1346% | 3,599 |
| Equity capital to assets | 16.1639% | 520 |
| Core capital (leverage) ratio | 16.1529% | 449 |
| Tier 1 risk-based capital ratio | 22.1602% | 1,120 |
| Total risk-based capital ratio | 23.4236% | 1,104 |
| Memoranda: | ||
| Average total assets | $147,354,000 | 3,598 |
| Average earning assets | $133,989,000 | 3,629 |
| Average equity | $26,523,670 | 2,628 |
| Average total loans | $109,214,330 | 3,246 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 2,729 |
| Cost of funding earning assets | 0.1564% | 5,562 |
| Net interest margin | 3.9729% | 1,701 |
| Noninterest income to average assets | 4.7216% | 132 |
| Noninterest expense to average assets | 5.1555% | 254 |
| Loan and lease loss provision to assets | 0.2637% | 646 |
| Net operating income to assets | 2.8386% | 110 |
| Return on assets (ROA) | 2.8386% | 111 |
| Pretax return on assets | 2.9039% | 143 |
| Return on Equity (ROE) | 14.9080% | 684 |
| Retained earnings to average equity (ytd only) | 14.9080% | 253 |
| Net charge-offs to loans | 0.3728% | 593 |
| Credit loss provision to net charge-offs | 92.0792% | 1,748 |
| Earnings coverage of net charge-offs (x) | 11.0594% | 1,887 |
| Efficiency ratio | 61.9421% | 4,452 |
| Assets per employee ($millions) | 2.5543% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1057% | 679 |
| Loan loss allowance to noncurrent loans | 89.8180% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 2.9230% | 439 |
| Noncurrent loans to loans | 2.3445% | 842 |
| Net loans and leases to total assets | 75.4025% | 1,488 |
| Net loans and leases to deposits | 94.0807% | 1,138 |
| Net loans and leases to core deposits | 112.9999% | 712 |
| Total domestic deposits to total assets | 80.1467% | 4,714 |
| Equity capital to assets | 19.1283% | 247 |
| Core capital (leverage) ratio | 18.5531% | 256 |
| Tier 1 risk-based capital ratio | 23.7587% | 936 |
| Total risk-based capital ratio | 25.0208% | 925 |
| Memoranda: | ||
| Average total assets | $141,053,500 | 3,722 |
| Average earning assets | $127,867,000 | 3,755 |
| Average equity | $26,858,000 | 2,606 |
| Average total loans | $108,356,500 | 3,266 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 2,346 |
| Cost of funding earning assets | 0.1575% | 5,639 |
| Net interest margin | 4.1040% | 1,404 |
| Noninterest income to average assets | 4.2077% | 148 |
| Noninterest expense to average assets | 5.1596% | 251 |
| Loan and lease loss provision to assets | 0.0637% | 3,020 |
| Net operating income to assets | 2.6295% | 130 |
| Return on assets (ROA) | 2.6295% | 129 |
| Pretax return on assets | 2.6891% | 156 |
| Return on Equity (ROE) | 15.0970% | 672 |
| Retained earnings to average equity (ytd only) | 6.2495% | 1,675 |
| Net charge-offs to loans | -0.0124% | 5,159 |
| Credit loss provision to net charge-offs | -700.0000% | 5,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2089% | 4,046 |
| Assets per employee ($millions) | 2.5753% | 5,856 |
| Cash dividends to net income (ytd only)* | 58.6042% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1851% | 606 |
| Loan loss allowance to noncurrent loans | 98.6023% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.6922% | 544 |
| Noncurrent loans to loans | 2.2161% | 890 |
| Net loans and leases to total assets | 74.9346% | 1,583 |
| Net loans and leases to deposits | 94.1271% | 1,192 |
| Net loans and leases to core deposits | 110.0155% | 853 |
| Total domestic deposits to total assets | 79.6100% | 4,837 |
| Equity capital to assets | 18.9512% | 252 |
| Core capital (leverage) ratio | 18.5444% | 260 |
| Tier 1 risk-based capital ratio | 23.2829% | 977 |
| Total risk-based capital ratio | 24.5453% | 967 |
| Memoranda: | ||
| Average total assets | $142,763,200 | 3,682 |
| Average earning assets | $128,873,600 | 3,724 |
| Average equity | $24,865,800 | 2,703 |
| Average total loans | $104,616,200 | 3,310 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,266 |
| Cost of funding earning assets | 0.1615% | 5,695 |
| Net interest margin | 4.1290% | 1,324 |
| Noninterest income to average assets | 4.2016% | 149 |
| Noninterest expense to average assets | 5.1082% | 263 |
| Loan and lease loss provision to assets | 0.0325% | 3,584 |
| Net operating income to assets | 2.7234% | 119 |
| Return on assets (ROA) | 2.7234% | 120 |
| Pretax return on assets | 2.7847% | 147 |
| Return on Equity (ROE) | 15.9766% | 596 |
| Retained earnings to average equity (ytd only) | 4.0010% | 3,619 |
| Net charge-offs to loans | -0.0525% | 5,564 |
| Credit loss provision to net charge-offs | -85.3659% | 5,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4538% | 4,166 |
| Assets per employee ($millions) | 2.4361% | 5,985 |
| Cash dividends to net income (ytd only)* | 74.9573% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1684% | 701 |
| Loan loss allowance to noncurrent loans | 95.3961% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 3.0780% | 479 |
| Noncurrent loans to loans | 2.2731% | 949 |
| Net loans and leases to total assets | 78.8828% | 975 |
| Net loans and leases to deposits | 99.1923% | 712 |
| Net loans and leases to core deposits | 117.9812% | 531 |
| Total domestic deposits to total assets | 79.5252% | 4,853 |
| Equity capital to assets | 19.4197% | 256 |
| Core capital (leverage) ratio | 16.9806% | 384 |
| Tier 1 risk-based capital ratio | 22.5287% | 1,117 |
| Total risk-based capital ratio | 23.7906% | 1,095 |
| Memoranda: | ||
| Average total assets | $143,687,000 | 3,690 |
| Average earning assets | $129,585,500 | 3,741 |
| Average equity | $24,493,500 | 2,756 |
| Average total loans | $104,135,750 | 3,342 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 2,758 |
| Cost of funding earning assets | 0.1556% | 5,812 |
| Net interest margin | 3.9831% | 1,690 |
| Noninterest income to average assets | 3.0677% | 209 |
| Noninterest expense to average assets | 4.7897% | 340 |
| Loan and lease loss provision to assets | 0.0271% | 3,596 |
| Net operating income to assets | 1.8141% | 500 |
| Return on assets (ROA) | 1.8141% | 521 |
| Pretax return on assets | 1.8547% | 812 |
| Return on Equity (ROE) | 11.1007% | 1,652 |
| Retained earnings to average equity (ytd only) | -7.1243% | 6,095 |
| Net charge-offs to loans | -0.0232% | 5,221 |
| Credit loss provision to net charge-offs | -166.6667% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7938% | 3,027 |
| Assets per employee ($millions) | 2.8383% | 5,776 |
| Cash dividends to net income (ytd only)* | 164.1791% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0933% | 863 |
| Loan loss allowance to noncurrent loans | 172.8736% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 2.0245% | 1,081 |
| Noncurrent loans to loans | 1.2109% | 2,230 |
| Net loans and leases to total assets | 68.8430% | 2,512 |
| Net loans and leases to deposits | 82.0056% | 2,553 |
| Net loans and leases to core deposits | 94.4121% | 1,918 |
| Total domestic deposits to total assets | 83.9491% | 3,589 |
| Equity capital to assets | 15.6222% | 583 |
| Core capital (leverage) ratio | 15.2096% | 589 |
| Tier 1 risk-based capital ratio | 20.9266% | 1,383 |
| Total risk-based capital ratio | 22.1870% | 1,347 |
| Memoranda: | ||
| Average total assets | $147,733,670 | 3,659 |
| Average earning assets | $133,664,330 | 3,700 |
| Average equity | $24,142,670 | 2,795 |
| Average total loans | $103,491,670 | 3,372 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 2,946 |
| Cost of funding earning assets | 0.1472% | 5,950 |
| Net interest margin | 3.9241% | 1,805 |
| Noninterest income to average assets | 4.3707% | 148 |
| Noninterest expense to average assets | 4.9170% | 311 |
| Loan and lease loss provision to assets | 0.0331% | 3,226 |
| Net operating income to assets | 2.8862% | 93 |
| Return on assets (ROA) | 2.8862% | 99 |
| Pretax return on assets | 2.9524% | 136 |
| Return on Equity (ROE) | 17.2593% | 451 |
| Retained earnings to average equity (ytd only) | -19.0413% | 6,262 |
| Net charge-offs to loans | -0.0237% | 5,120 |
| Credit loss provision to net charge-offs | -200.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2207% | 4,763 |
| Assets per employee ($millions) | 2.6743% | 5,989 |
| Cash dividends to net income (ytd only)* | 210.3250% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2029% | 804 |
| Loan loss allowance to noncurrent loans | 160.8321% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 2.2775% | 991 |
| Noncurrent loans to loans | 1.3697% | 2,102 |
| Net loans and leases to total assets | 68.9239% | 2,301 |
| Net loans and leases to deposits | 82.8037% | 2,233 |
| Net loans and leases to core deposits | 95.6589% | 1,640 |
| Total domestic deposits to total assets | 83.2377% | 4,102 |
| Equity capital to assets | 16.3877% | 496 |
| Core capital (leverage) ratio | 16.2099% | 442 |
| Tier 1 risk-based capital ratio | 21.8021% | 1,273 |
| Total risk-based capital ratio | 21.8021% | 1,484 |
| Memoranda: | ||
| Average total assets | $144,966,000 | 3,727 |
| Average earning assets | $130,476,500 | 3,765 |
| Average equity | $24,242,000 | 2,807 |
| Average total loans | $101,352,000 | 3,426 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,822 |
| Cost of funding earning assets | 0.1601% | 6,043 |
| Net interest margin | 4.3522% | 964 |
| Noninterest income to average assets | 3.8064% | 153 |
| Noninterest expense to average assets | 5.8700% | 193 |
| Loan and lease loss provision to assets | 0.0395% | 3,786 |
| Net operating income to assets | 1.7209% | 560 |
| Return on assets (ROA) | 1.7209% | 572 |
| Pretax return on assets | 1.7590% | 871 |
| Return on Equity (ROE) | 10.0100% | 2,118 |
| Retained earnings to average equity (ytd only) | 10.0100% | 515 |
| Net charge-offs to loans | 0.1961% | 2,094 |
| Credit loss provision to net charge-offs | 27.6923% | 3,877 |
| Earnings coverage of net charge-offs (x) | 12.5949% | 2,354 |
| Efficiency ratio | 76.3178% | 2,464 |
| Assets per employee ($millions) | 2.6948% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2036% | 820 |
| Loan loss allowance to noncurrent loans | 139.6985% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 2.9969% | 674 |
| Noncurrent loans to loans | 1.5774% | 1,850 |
| Net loans and leases to total assets | 67.8283% | 2,585 |
| Net loans and leases to deposits | 82.0897% | 2,458 |
| Net loans and leases to core deposits | 95.0566% | 1,808 |
| Total domestic deposits to total assets | 82.6270% | 4,208 |
| Equity capital to assets | 17.0548% | 408 |
| Core capital (leverage) ratio | 17.2445% | 347 |
| Tier 1 risk-based capital ratio | 22.0327% | 1,220 |
| Total risk-based capital ratio | 23.2946% | 1,192 |
| Memoranda: | ||
| Average total assets | $136,558,600 | 3,868 |
| Average earning assets | $121,179,000 | 3,935 |
| Average equity | $23,476,600 | 2,803 |
| Average total loans | $99,417,400 | 3,436 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,607 |
| Cost of funding earning assets | 0.1636% | 6,104 |
| Net interest margin | 4.4192% | 863 |
| Noninterest income to average assets | 3.9497% | 149 |
| Noninterest expense to average assets | 6.1603% | 173 |
| Loan and lease loss provision to assets | 0.0347% | 3,709 |
| Net operating income to assets | 1.6339% | 695 |
| Return on assets (ROA) | 1.6339% | 721 |
| Pretax return on assets | 1.6696% | 1,140 |
| Return on Equity (ROE) | 9.4835% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.4835% | 845 |
| Net charge-offs to loans | 0.1696% | 2,104 |
| Credit loss provision to net charge-offs | 27.7778% | 3,485 |
| Earnings coverage of net charge-offs (x) | 13.6267% | 2,211 |
| Efficiency ratio | 78.0639% | 2,175 |
| Assets per employee ($millions) | 2.4970% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2400% | 890 |
| Loan loss allowance to noncurrent loans | 101.8361% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 3.7623% | 548 |
| Noncurrent loans to loans | 2.1996% | 1,382 |
| Net loans and leases to total assets | 73.6029% | 1,582 |
| Net loans and leases to deposits | 90.1366% | 1,415 |
| Net loans and leases to core deposits | 105.9756% | 961 |
| Total domestic deposits to total assets | 81.6571% | 4,609 |
| Equity capital to assets | 17.8838% | 346 |
| Core capital (leverage) ratio | 16.1007% | 464 |
| Tier 1 risk-based capital ratio | 21.2002% | 1,411 |
| Total risk-based capital ratio | 22.4110% | 1,398 |
| Memoranda: | ||
| Average total assets | $134,318,500 | 3,932 |
| Average earning assets | $118,991,750 | 4,014 |
| Average equity | $23,141,250 | 2,841 |
| Average total loans | $99,040,000 | 3,461 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 1,630 |
| Cost of funding earning assets | 0.1639% | 6,165 |
| Net interest margin | 4.4006% | 850 |
| Noninterest income to average assets | 3.3158% | 170 |
| Noninterest expense to average assets | 5.9845% | 182 |
| Loan and lease loss provision to assets | 0.0343% | 3,604 |
| Net operating income to assets | 1.1540% | 1,744 |
| Return on assets (ROA) | 1.1540% | 1,821 |
| Pretax return on assets | 1.1793% | 2,763 |
| Return on Equity (ROE) | 6.7844% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.7844% | 1,881 |
| Net charge-offs to loans | 0.2138% | 1,744 |
| Credit loss provision to net charge-offs | 21.9048% | 3,180 |
| Earnings coverage of net charge-offs (x) | 7.7524% | 2,583 |
| Efficiency ratio | 82.8500% | 1,648 |
| Assets per employee ($millions) | 2.5076% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2847% | 919 |
| Loan loss allowance to noncurrent loans | 91.8343% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 4.2877% | 468 |
| Noncurrent loans to loans | 2.4879% | 1,251 |
| Net loans and leases to total assets | 72.1073% | 1,729 |
| Net loans and leases to deposits | 87.4678% | 1,662 |
| Net loans and leases to core deposits | 102.8503% | 1,090 |
| Total domestic deposits to total assets | 82.4388% | 4,492 |
| Equity capital to assets | 17.1698% | 396 |
| Core capital (leverage) ratio | 14.5300% | 694 |
| Tier 1 risk-based capital ratio | 20.8302% | 1,481 |
| Total risk-based capital ratio | 22.0934% | 1,453 |
| Memoranda: | ||
| Average total assets | $134,145,670 | 3,956 |
| Average earning assets | $118,346,670 | 4,054 |
| Average equity | $22,817,000 | 2,871 |
| Average total loans | $98,214,000 | 3,490 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 1,930 |
| Cost of funding earning assets | 0.1667% | 6,249 |
| Net interest margin | 4.2942% | 1,009 |
| Noninterest income to average assets | 2.6994% | 215 |
| Noninterest expense to average assets | 5.6564% | 221 |
| Loan and lease loss provision to assets | 0.0360% | 3,339 |
| Net operating income to assets | 0.7730% | 3,290 |
| Return on assets (ROA) | 0.7730% | 3,372 |
| Pretax return on assets | 0.7879% | 4,156 |
| Return on Equity (ROE) | 4.5663% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.5663% | 3,386 |
| Net charge-offs to loans | 0.0534% | 2,632 |
| Credit loss provision to net charge-offs | 92.3077% | 1,778 |
| Earnings coverage of net charge-offs (x) | 21.1538% | 1,305 |
| Efficiency ratio | 86.9626% | 1,340 |
| Assets per employee ($millions) | 2.4232% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3937% | 919 |
| Loan loss allowance to noncurrent loans | 89.6473% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 4.6220% | 467 |
| Noncurrent loans to loans | 2.6702% | 1,273 |
| Net loans and leases to total assets | 69.7895% | 1,934 |
| Net loans and leases to deposits | 83.8252% | 1,840 |
| Net loans and leases to core deposits | 97.5174% | 1,273 |
| Total domestic deposits to total assets | 83.2560% | 4,517 |
| Equity capital to assets | 16.4566% | 468 |
| Core capital (leverage) ratio | 14.6881% | 651 |
| Tier 1 risk-based capital ratio | 20.3719% | 1,625 |
| Total risk-based capital ratio | 21.6362% | 1,589 |
| Memoranda: | ||
| Average total assets | $133,512,500 | 4,001 |
| Average earning assets | $117,553,000 | 4,101 |
| Average equity | $22,600,500 | 2,879 |
| Average total loans | $97,358,500 | 3,527 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 1,373 |
| Cost of funding earning assets | 0.1920% | 6,324 |
| Net interest margin | 4.5867% | 628 |
| Noninterest income to average assets | 2.4466% | 287 |
| Noninterest expense to average assets | 5.5011% | 245 |
| Loan and lease loss provision to assets | 0.0675% | 3,784 |
| Net operating income to assets | 0.8889% | 2,837 |
| Return on assets (ROA) | 0.8889% | 2,929 |
| Pretax return on assets | 0.9072% | 3,737 |
| Return on Equity (ROE) | 5.0664% | 4,594 |
| Retained earnings to average equity (ytd only) | -6.6381% | 6,438 |
| Net charge-offs to loans | 0.2428% | 2,522 |
| Credit loss provision to net charge-offs | 40.5286% | 4,037 |
| Earnings coverage of net charge-offs (x) | 5.8546% | 3,192 |
| Efficiency ratio | 84.6319% | 1,557 |
| Assets per employee ($millions) | 2.2615% | 6,540 |
| Cash dividends to net income (ytd only)* | 231.0231% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4656% | 859 |
| Loan loss allowance to noncurrent loans | 73.2962% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 5.1984% | 441 |
| Noncurrent loans to loans | 3.3639% | 957 |
| Net loans and leases to total assets | 72.6067% | 1,579 |
| Net loans and leases to deposits | 90.1997% | 1,223 |
| Net loans and leases to core deposits | 104.4332% | 881 |
| Total domestic deposits to total assets | 80.4956% | 5,323 |
| Equity capital to assets | 17.4324% | 364 |
| Core capital (leverage) ratio | 13.6962% | 901 |
| Tier 1 risk-based capital ratio | 20.6868% | 1,492 |
| Total risk-based capital ratio | 21.9514% | 1,461 |
| Memoranda: | ||
| Average total assets | $136,354,400 | 3,947 |
| Average earning assets | $119,780,000 | 4,054 |
| Average equity | $23,922,400 | 2,739 |
| Average total loans | $93,485,600 | 3,613 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 1,280 |
| Cost of funding earning assets | 0.2020% | 6,392 |
| Net interest margin | 4.6312% | 583 |
| Noninterest income to average assets | 2.3151% | 331 |
| Noninterest expense to average assets | 5.2795% | 285 |
| Loan and lease loss provision to assets | 0.0637% | 3,778 |
| Net operating income to assets | 1.0312% | 2,253 |
| Return on assets (ROA) | 1.0312% | 2,334 |
| Pretax return on assets | 1.0418% | 3,329 |
| Return on Equity (ROE) | 5.8690% | 4,256 |
| Retained earnings to average equity (ytd only) | 4.2219% | 3,681 |
| Net charge-offs to loans | -0.1105% | 6,517 |
| Credit loss provision to net charge-offs | -85.7143% | 5,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3689% | 1,779 |
| Assets per employee ($millions) | 2.6144% | 6,372 |
| Cash dividends to net income (ytd only)* | 28.0636% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8325% | 656 |
| Loan loss allowance to noncurrent loans | 78.9254% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 5.0900% | 538 |
| Noncurrent loans to loans | 3.5888% | 1,052 |
| Net loans and leases to total assets | 63.0791% | 3,152 |
| Net loans and leases to deposits | 76.5754% | 2,873 |
| Net loans and leases to core deposits | 89.1823% | 2,053 |
| Total domestic deposits to total assets | 82.3751% | 4,800 |
| Equity capital to assets | 17.2605% | 385 |
| Core capital (leverage) ratio | 15.6524% | 547 |
| Tier 1 risk-based capital ratio | 23.9022% | 1,017 |
| Total risk-based capital ratio | 25.1720% | 1,002 |
| Memoranda: | ||
| Average total assets | $138,217,000 | 3,945 |
| Average earning assets | $121,462,500 | 4,060 |
| Average equity | $24,285,250 | 2,731 |
| Average total loans | $92,867,250 | 3,647 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 1,122 |
| Cost of funding earning assets | 0.2063% | 6,442 |
| Net interest margin | 4.6821% | 526 |
| Noninterest income to average assets | 1.9815% | 449 |
| Noninterest expense to average assets | 5.2464% | 298 |
| Loan and lease loss provision to assets | 0.0631% | 3,749 |
| Net operating income to assets | 0.7583% | 3,521 |
| Return on assets (ROA) | 0.7583% | 3,672 |
| Pretax return on assets | 0.7656% | 4,443 |
| Return on Equity (ROE) | 4.2892% | 5,100 |
| Retained earnings to average equity (ytd only) | 1.8003% | 5,110 |
| Net charge-offs to loans | 0.5350% | 1,236 |
| Credit loss provision to net charge-offs | 17.3387% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.2782% | 3,767 |
| Efficiency ratio | 86.0212% | 1,410 |
| Assets per employee ($millions) | 2.5534% | 6,446 |
| Cash dividends to net income (ytd only)* | 58.0271% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4866% | 996 |
| Loan loss allowance to noncurrent loans | 80.1117% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 4.9694% | 622 |
| Noncurrent loans to loans | 3.1039% | 1,423 |
| Net loans and leases to total assets | 64.1125% | 2,893 |
| Net loans and leases to deposits | 77.9160% | 2,582 |
| Net loans and leases to core deposits | 90.8824% | 1,823 |
| Total domestic deposits to total assets | 82.2841% | 4,948 |
| Equity capital to assets | 17.2922% | 391 |
| Core capital (leverage) ratio | 16.2157% | 440 |
| Tier 1 risk-based capital ratio | 23.7740% | 1,021 |
| Total risk-based capital ratio | 25.0180% | 1,008 |
| Memoranda: | ||
| Average total assets | $136,359,000 | 4,014 |
| Average earning assets | $119,219,330 | 4,135 |
| Average equity | $24,107,330 | 2,761 |
| Average total loans | $92,707,670 | 3,662 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 2,235 |
| Cost of funding earning assets | 0.2190% | 6,480 |
| Net interest margin | 4.2609% | 1,049 |
| Noninterest income to average assets | 2.0101% | 432 |
| Noninterest expense to average assets | 5.2025% | 320 |
| Loan and lease loss provision to assets | 0.0685% | 3,489 |
| Net operating income to assets | 0.4288% | 5,008 |
| Return on assets (ROA) | 0.4288% | 5,169 |
| Pretax return on assets | 0.4467% | 5,426 |
| Return on Equity (ROE) | 2.3982% | 5,815 |
| Retained earnings to average equity (ytd only) | -2.5980% | 6,150 |
| Net charge-offs to loans | -0.7622% | 6,903 |
| Credit loss provision to net charge-offs | -12.9944% | 4,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6250% | 1,093 |
| Assets per employee ($millions) | 2.4220% | 6,646 |
| Cash dividends to net income (ytd only)* | 208.3333% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8545% | 773 |
| Loan loss allowance to noncurrent loans | 75.5947% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 5.5948% | 607 |
| Noncurrent loans to loans | 3.7760% | 1,225 |
| Net loans and leases to total assets | 69.0050% | 1,843 |
| Net loans and leases to deposits | 84.5697% | 1,523 |
| Net loans and leases to core deposits | 100.0218% | 948 |
| Total domestic deposits to total assets | 81.5955% | 5,323 |
| Equity capital to assets | 17.9668% | 339 |
| Core capital (leverage) ratio | 16.0754% | 441 |
| Tier 1 risk-based capital ratio | 22.7402% | 1,198 |
| Total risk-based capital ratio | 24.0098% | 1,178 |
| Memoranda: | ||
| Average total assets | $134,319,000 | 4,096 |
| Average earning assets | $116,875,500 | 4,220 |
| Average equity | $24,018,500 | 2,804 |
| Average total loans | $92,894,000 | 3,679 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 3,103 |
| Cost of funding earning assets | 0.3554% | 6,177 |
| Net interest margin | 4.2184% | 1,607 |
| Noninterest income to average assets | 2.7642% | 281 |
| Noninterest expense to average assets | 5.4105% | 285 |
| Loan and lease loss provision to assets | 0.2748% | 2,450 |
| Net operating income to assets | 0.7025% | 3,727 |
| Return on assets (ROA) | 0.7025% | 3,980 |
| Pretax return on assets | 0.7145% | 4,618 |
| Return on Equity (ROE) | 4.4881% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.4881% | 3,076 |
| Net charge-offs to loans | 0.9205% | 1,222 |
| Credit loss provision to net charge-offs | 47.6744% | 4,746 |
| Earnings coverage of net charge-offs (x) | 1.7163% | 4,579 |
| Efficiency ratio | 84.2480% | 1,599 |
| Assets per employee ($millions) | 2.4623% | 6,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7434% | 884 |
| Loan loss allowance to noncurrent loans | 62.7919% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 5.8349% | 603 |
| Noncurrent loans to loans | 4.3690% | 996 |
| Net loans and leases to total assets | 65.4697% | 2,618 |
| Net loans and leases to deposits | 80.2242% | 2,251 |
| Net loans and leases to core deposits | 95.0025% | 1,387 |
| Total domestic deposits to total assets | 81.6084% | 5,223 |
| Equity capital to assets | 17.7979% | 342 |
| Core capital (leverage) ratio | 16.0467% | 450 |
| Tier 1 risk-based capital ratio | 23.8357% | 991 |
| Total risk-based capital ratio | 25.1063% | 967 |
| Memoranda: | ||
| Average total assets | $149,190,600 | 3,791 |
| Average earning assets | $128,581,000 | 3,934 |
| Average equity | $23,350,600 | 2,817 |
| Average total loans | $93,422,600 | 3,663 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 3,405 |
| Cost of funding earning assets | 0.3805% | 6,225 |
| Net interest margin | 4.1745% | 1,808 |
| Noninterest income to average assets | 2.2345% | 360 |
| Noninterest expense to average assets | 5.4256% | 282 |
| Loan and lease loss provision to assets | 0.3302% | 1,985 |
| Net operating income to assets | 0.0620% | 6,194 |
| Return on assets (ROA) | 0.0620% | 6,331 |
| Pretax return on assets | 0.0725% | 6,306 |
| Return on Equity (ROE) | 0.4087% | 6,356 |
| Retained earnings to average equity (ytd only) | 0.4087% | 5,970 |
| Net charge-offs to loans | 1.1533% | 869 |
| Credit loss provision to net charge-offs | 46.4945% | 4,482 |
| Earnings coverage of net charge-offs (x) | 0.5670% | 5,035 |
| Efficiency ratio | 92.7758% | 844 |
| Assets per employee ($millions) | 2.0810% | 6,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8218% | 868 |
| Loan loss allowance to noncurrent loans | 86.8485% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 5.2149% | 834 |
| Noncurrent loans to loans | 3.2491% | 1,698 |
| Net loans and leases to total assets | 60.3442% | 3,711 |
| Net loans and leases to deposits | 79.2404% | 2,507 |
| Net loans and leases to core deposits | 93.4089% | 1,633 |
| Total domestic deposits to total assets | 76.1533% | 6,362 |
| Equity capital to assets | 16.1176% | 583 |
| Core capital (leverage) ratio | 13.9561% | 850 |
| Tier 1 risk-based capital ratio | 22.8544% | 1,191 |
| Total risk-based capital ratio | 24.1232% | 1,167 |
| Memoranda: | ||
| Average total assets | $152,631,750 | 3,777 |
| Average earning assets | $131,398,500 | 3,906 |
| Average equity | $23,162,500 | 2,857 |
| Average total loans | $93,987,250 | 3,696 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 3,485 |
| Cost of funding earning assets | 0.4060% | 6,233 |
| Net interest margin | 4.1630% | 1,858 |
| Noninterest income to average assets | 2.2538% | 335 |
| Noninterest expense to average assets | 5.4393% | 286 |
| Loan and lease loss provision to assets | 0.1670% | 3,435 |
| Net operating income to assets | 0.2107% | 5,885 |
| Return on assets (ROA) | 0.2107% | 6,070 |
| Pretax return on assets | 0.2184% | 6,123 |
| Return on Equity (ROE) | 1.4157% | 6,212 |
| Retained earnings to average equity (ytd only) | 1.4157% | 5,486 |
| Net charge-offs to loans | 1.5566% | 623 |
| Credit loss provision to net charge-offs | 17.4731% | 4,647 |
| Earnings coverage of net charge-offs (x) | 0.4032% | 4,876 |
| Efficiency ratio | 93.0730% | 857 |
| Assets per employee ($millions) | 2.1799% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5601% | 1,194 |
| Loan loss allowance to noncurrent loans | 68.3333% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 5.0818% | 933 |
| Noncurrent loans to loans | 3.7464% | 1,505 |
| Net loans and leases to total assets | 56.6737% | 4,369 |
| Net loans and leases to deposits | 72.5075% | 3,534 |
| Net loans and leases to core deposits | 83.9024% | 2,704 |
| Total domestic deposits to total assets | 78.1626% | 6,126 |
| Equity capital to assets | 14.7970% | 833 |
| Core capital (leverage) ratio | 13.3995% | 1,014 |
| Tier 1 risk-based capital ratio | 22.3052% | 1,233 |
| Total risk-based capital ratio | 23.5708% | 1,214 |
| Memoranda: | ||
| Average total assets | $155,646,330 | 3,745 |
| Average earning assets | $133,510,330 | 3,895 |
| Average equity | $23,169,000 | 2,836 |
| Average total loans | $95,595,330 | 3,674 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 2,845 |
| Cost of funding earning assets | 0.4377% | 6,220 |
| Net interest margin | 4.3132% | 1,426 |
| Noninterest income to average assets | 2.4930% | 304 |
| Noninterest expense to average assets | 5.5822% | 255 |
| Loan and lease loss provision to assets | 0.1523% | 3,471 |
| Net operating income to assets | 0.4232% | 5,152 |
| Return on assets (ROA) | 0.4232% | 5,344 |
| Pretax return on assets | 0.4207% | 5,667 |
| Return on Equity (ROE) | 2.8347% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.8347% | 4,831 |
| Net charge-offs to loans | 0.0859% | 3,649 |
| Credit loss provision to net charge-offs | 280.9524% | 1,044 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 1,744 |
| Efficiency ratio | 90.3983% | 1,058 |
| Assets per employee ($millions) | 2.1401% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1076% | 753 |
| Loan loss allowance to noncurrent loans | 78.5958% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 5.5988% | 868 |
| Noncurrent loans to loans | 3.9539% | 1,555 |
| Net loans and leases to total assets | 60.4825% | 3,564 |
| Net loans and leases to deposits | 77.4122% | 2,608 |
| Net loans and leases to core deposits | 90.7634% | 1,774 |
| Total domestic deposits to total assets | 78.1304% | 6,246 |
| Equity capital to assets | 15.0689% | 735 |
| Core capital (leverage) ratio | 13.5856% | 912 |
| Tier 1 risk-based capital ratio | 21.9590% | 1,293 |
| Total risk-based capital ratio | 23.2331% | 1,262 |
| Memoranda: | ||
| Average total assets | $154,994,000 | 3,783 |
| Average earning assets | $131,596,500 | 3,950 |
| Average equity | $23,141,500 | 2,836 |
| Average total loans | $97,749,500 | 3,645 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1915% | 2,097 |
| Cost of funding earning assets | 0.5771% | 6,205 |
| Net interest margin | 4.6144% | 891 |
| Noninterest income to average assets | 3.1545% | 203 |
| Noninterest expense to average assets | 5.3298% | 292 |
| Loan and lease loss provision to assets | 1.6899% | 404 |
| Net operating income to assets | 0.0859% | 5,894 |
| Return on assets (ROA) | 0.0859% | 6,013 |
| Pretax return on assets | 0.0966% | 5,973 |
| Return on Equity (ROE) | 0.6165% | 6,035 |
| Retained earnings to average equity (ytd only) | -2.8085% | 6,245 |
| Net charge-offs to loans | 2.9503% | 333 |
| Credit loss provision to net charge-offs | 85.9569% | 4,202 |
| Earnings coverage of net charge-offs (x) | 0.9087% | 5,122 |
| Efficiency ratio | 74.7277% | 3,101 |
| Assets per employee ($millions) | 2.1653% | 7,093 |
| Cash dividends to net income (ytd only)* | 555.5556% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9714% | 833 |
| Loan loss allowance to noncurrent loans | 63.1635% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 5.7895% | 873 |
| Noncurrent loans to loans | 4.7042% | 1,250 |
| Net loans and leases to total assets | 61.8106% | 3,638 |
| Net loans and leases to deposits | 79.2200% | 2,652 |
| Net loans and leases to core deposits | 93.9065% | 1,709 |
| Total domestic deposits to total assets | 78.0240% | 6,188 |
| Equity capital to assets | 14.7939% | 826 |
| Core capital (leverage) ratio | 13.2323% | 1,060 |
| Tier 1 risk-based capital ratio | 20.7094% | 1,474 |
| Total risk-based capital ratio | 21.9596% | 1,449 |
| Memoranda: | ||
| Average total assets | $167,698,400 | 3,524 |
| Average earning assets | $143,984,800 | 3,676 |
| Average equity | $23,358,000 | 2,741 |
| Average total loans | $111,752,600 | 3,340 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 1,923 |
| Cost of funding earning assets | 0.6149% | 6,214 |
| Net interest margin | 4.6695% | 814 |
| Noninterest income to average assets | 2.7612% | 236 |
| Noninterest expense to average assets | 5.1184% | 336 |
| Loan and lease loss provision to assets | 1.6275% | 398 |
| Net operating income to assets | 0.0172% | 6,129 |
| Return on assets (ROA) | 0.0172% | 6,228 |
| Pretax return on assets | 0.0383% | 6,178 |
| Return on Equity (ROE) | 0.1252% | 6,234 |
| Retained earnings to average equity (ytd only) | -4.4270% | 6,552 |
| Net charge-offs to loans | 2.2821% | 523 |
| Credit loss provision to net charge-offs | 105.9512% | 3,127 |
| Earnings coverage of net charge-offs (x) | 1.0844% | 4,816 |
| Efficiency ratio | 75.2966% | 2,961 |
| Assets per employee ($millions) | 2.1758% | 7,159 |
| Cash dividends to net income (ytd only)* | 3,636.6860% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2798% | 672 |
| Loan loss allowance to noncurrent loans | 56.5775% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 7.1124% | 688 |
| Noncurrent loans to loans | 5.7970% | 983 |
| Net loans and leases to total assets | 65.5573% | 2,991 |
| Net loans and leases to deposits | 83.5987% | 2,067 |
| Net loans and leases to core deposits | 97.0330% | 1,507 |
| Total domestic deposits to total assets | 78.4191% | 6,112 |
| Equity capital to assets | 14.4496% | 1,011 |
| Core capital (leverage) ratio | 12.5506% | 1,415 |
| Tier 1 risk-based capital ratio | 18.9976% | 1,940 |
| Total risk-based capital ratio | 20.2462% | 1,917 |
| Memoranda: | ||
| Average total assets | $170,647,500 | 3,507 |
| Average earning assets | $147,021,500 | 3,649 |
| Average equity | $23,431,500 | 2,734 |
| Average total loans | $114,862,000 | 3,303 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 2,373 |
| Cost of funding earning assets | 0.6433% | 6,257 |
| Net interest margin | 4.5284% | 1,062 |
| Noninterest income to average assets | 2.5947% | 254 |
| Noninterest expense to average assets | 4.8504% | 414 |
| Loan and lease loss provision to assets | 1.0940% | 753 |
| Net operating income to assets | 0.5407% | 4,334 |
| Return on assets (ROA) | 0.5407% | 4,471 |
| Pretax return on assets | 0.5613% | 4,876 |
| Return on Equity (ROE) | 4.0014% | 4,944 |
| Retained earnings to average equity (ytd only) | -2.7806% | 6,349 |
| Net charge-offs to loans | 1.5418% | 956 |
| Credit loss provision to net charge-offs | 105.6416% | 2,922 |
| Earnings coverage of net charge-offs (x) | 1.5985% | 4,091 |
| Efficiency ratio | 74.5202% | 3,270 |
| Assets per employee ($millions) | 2.4130% | 7,014 |
| Cash dividends to net income (ytd only)* | 169.4915% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0745% | 835 |
| Loan loss allowance to noncurrent loans | 47.0022% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 6.8477% | 762 |
| Noncurrent loans to loans | 6.5411% | 844 |
| Net loans and leases to total assets | 62.0152% | 3,883 |
| Net loans and leases to deposits | 80.0431% | 2,789 |
| Net loans and leases to core deposits | 92.9503% | 2,024 |
| Total domestic deposits to total assets | 77.4773% | 6,379 |
| Equity capital to assets | 13.2866% | 1,393 |
| Core capital (leverage) ratio | 12.7647% | 1,263 |
| Tier 1 risk-based capital ratio | 18.8290% | 1,897 |
| Total risk-based capital ratio | 20.1027% | 1,860 |
| Memoranda: | ||
| Average total assets | $174,585,000 | 3,452 |
| Average earning assets | $150,783,330 | 3,616 |
| Average equity | $23,591,670 | 2,689 |
| Average total loans | $117,263,000 | 3,282 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1608% | 2,379 |
| Cost of funding earning assets | 0.6917% | 6,180 |
| Net interest margin | 4.4692% | 1,136 |
| Noninterest income to average assets | 2.6513% | 249 |
| Noninterest expense to average assets | 4.9205% | 393 |
| Loan and lease loss provision to assets | 0.6789% | 1,253 |
| Net operating income to assets | 0.8976% | 2,574 |
| Return on assets (ROA) | 0.8976% | 2,634 |
| Pretax return on assets | 0.9183% | 3,433 |
| Return on Equity (ROE) | 6.5863% | 3,588 |
| Retained earnings to average equity (ytd only) | -1.8577% | 6,121 |
| Net charge-offs to loans | 0.6056% | 1,986 |
| Credit loss provision to net charge-offs | 162.9834% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.8343% | 2,618 |
| Efficiency ratio | 75.4590% | 3,251 |
| Assets per employee ($millions) | 2.4812% | 7,013 |
| Cash dividends to net income (ytd only)* | 128.2051% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9520% | 956 |
| Loan loss allowance to noncurrent loans | 41.0280% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 7.2671% | 713 |
| Noncurrent loans to loans | 7.1950% | 749 |
| Net loans and leases to total assets | 65.8398% | 3,057 |
| Net loans and leases to deposits | 88.3508% | 1,422 |
| Net loans and leases to core deposits | 104.8508% | 1,012 |
| Total domestic deposits to total assets | 74.5209% | 6,854 |
| Equity capital to assets | 13.4063% | 1,217 |
| Core capital (leverage) ratio | 12.8093% | 1,194 |
| Tier 1 risk-based capital ratio | 17.9577% | 2,127 |
| Total risk-based capital ratio | 19.2098% | 2,096 |
| Memoranda: | ||
| Average total assets | $173,804,000 | 3,489 |
| Average earning assets | $150,363,000 | 3,633 |
| Average equity | $23,685,500 | 2,675 |
| Average total loans | $119,543,000 | 3,269 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 1,914 |
| Cost of funding earning assets | 0.8255% | 6,463 |
| Net interest margin | 4.7684% | 705 |
| Noninterest income to average assets | 2.7157% | 261 |
| Noninterest expense to average assets | 4.3070% | 804 |
| Loan and lease loss provision to assets | 0.8283% | 1,986 |
| Net operating income to assets | 1.7382% | 480 |
| Return on assets (ROA) | 1.7382% | 523 |
| Pretax return on assets | 1.7455% | 862 |
| Return on Equity (ROE) | 13.7167% | 942 |
| Retained earnings to average equity (ytd only) | 8.6479% | 802 |
| Net charge-offs to loans | 1.9387% | 1,058 |
| Credit loss provision to net charge-offs | 59.0131% | 6,098 |
| Earnings coverage of net charge-offs (x) | 1.8337% | 4,351 |
| Efficiency ratio | 62.5619% | 5,612 |
| Assets per employee ($millions) | 2.4147% | 7,118 |
| Cash dividends to net income (ytd only)* | 36.9537% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8552% | 996 |
| Loan loss allowance to noncurrent loans | 51.5632% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 6.8594% | 806 |
| Noncurrent loans to loans | 5.5372% | 1,183 |
| Net loans and leases to total assets | 67.7527% | 3,040 |
| Net loans and leases to deposits | 91.7795% | 1,287 |
| Net loans and leases to core deposits | 108.3382% | 1,023 |
| Total domestic deposits to total assets | 73.8212% | 6,917 |
| Equity capital to assets | 13.8553% | 1,081 |
| Core capital (leverage) ratio | 12.1852% | 1,440 |
| Tier 1 risk-based capital ratio | 18.0062% | 1,996 |
| Total risk-based capital ratio | 19.2557% | 1,958 |
| Memoranda: | ||
| Average total assets | $179,034,600 | 3,395 |
| Average earning assets | $156,383,800 | 3,516 |
| Average equity | $22,687,600 | 2,806 |
| Average total loans | $129,623,200 | 3,130 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 2,224 |
| Cost of funding earning assets | 0.8265% | 6,668 |
| Net interest margin | 4.7310% | 783 |
| Noninterest income to average assets | 2.7663% | 240 |
| Noninterest expense to average assets | 4.1038% | 932 |
| Loan and lease loss provision to assets | 0.9712% | 1,543 |
| Net operating income to assets | 1.8179% | 477 |
| Return on assets (ROA) | 1.8172% | 524 |
| Pretax return on assets | 1.8371% | 860 |
| Return on Equity (ROE) | 14.6645% | 918 |
| Retained earnings to average equity (ytd only) | 7.8258% | 1,480 |
| Net charge-offs to loans | 1.3905% | 1,462 |
| Credit loss provision to net charge-offs | 95.6459% | 4,535 |
| Earnings coverage of net charge-offs (x) | 2.7663% | 3,763 |
| Efficiency ratio | 59.3327% | 6,062 |
| Assets per employee ($millions) | 2.5010% | 7,082 |
| Cash dividends to net income (ytd only)* | 46.6343% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4860% | 545 |
| Loan loss allowance to noncurrent loans | 53.0879% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 7.6940% | 669 |
| Noncurrent loans to loans | 6.5665% | 902 |
| Net loans and leases to total assets | 69.3296% | 2,892 |
| Net loans and leases to deposits | 85.9579% | 2,355 |
| Net loans and leases to core deposits | 105.7688% | 1,347 |
| Total domestic deposits to total assets | 80.6553% | 5,494 |
| Equity capital to assets | 12.8771% | 1,640 |
| Core capital (leverage) ratio | 11.7279% | 1,802 |
| Tier 1 risk-based capital ratio | 16.1799% | 2,685 |
| Total risk-based capital ratio | 17.4307% | 2,632 |
| Memoranda: | ||
| Average total assets | $180,932,250 | 3,409 |
| Average earning assets | $158,580,500 | 3,522 |
| Average equity | $22,421,000 | 2,874 |
| Average total loans | $132,136,000 | 3,142 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5746% | 2,233 |
| Cost of funding earning assets | 0.8385% | 6,792 |
| Net interest margin | 4.7360% | 755 |
| Noninterest income to average assets | 3.4196% | 195 |
| Noninterest expense to average assets | 4.0845% | 941 |
| Loan and lease loss provision to assets | 1.2620% | 1,105 |
| Net operating income to assets | 2.2287% | 218 |
| Return on assets (ROA) | 2.2276% | 239 |
| Pretax return on assets | 2.2473% | 377 |
| Return on Equity (ROE) | 18.2038% | 446 |
| Retained earnings to average equity (ytd only) | 17.3101% | 145 |
| Net charge-offs to loans | 1.4420% | 1,325 |
| Credit loss provision to net charge-offs | 119.2149% | 3,413 |
| Earnings coverage of net charge-offs (x) | 3.3161% | 3,370 |
| Efficiency ratio | 53.7509% | 6,908 |
| Assets per employee ($millions) | 2.4951% | 7,112 |
| Cash dividends to net income (ytd only)* | 4.9092% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5572% | 525 |
| Loan loss allowance to noncurrent loans | 52.6256% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 7.4034% | 686 |
| Noncurrent loans to loans | 6.7594% | 862 |
| Net loans and leases to total assets | 69.8755% | 2,933 |
| Net loans and leases to deposits | 86.7861% | 2,379 |
| Net loans and leases to core deposits | 110.8746% | 1,110 |
| Total domestic deposits to total assets | 80.5147% | 5,556 |
| Equity capital to assets | 12.9080% | 1,606 |
| Core capital (leverage) ratio | 11.4965% | 1,917 |
| Tier 1 risk-based capital ratio | 16.4226% | 2,507 |
| Total risk-based capital ratio | 17.7030% | 2,437 |
| Memoranda: | ||
| Average total assets | $182,886,000 | 3,399 |
| Average earning assets | $161,232,330 | 3,488 |
| Average equity | $22,380,000 | 2,878 |
| Average total loans | $134,261,330 | 3,117 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 2,020 |
| Cost of funding earning assets | 0.8036% | 7,078 |
| Net interest margin | 4.8288% | 602 |
| Noninterest income to average assets | 3.7181% | 175 |
| Noninterest expense to average assets | 3.8503% | 1,243 |
| Loan and lease loss provision to assets | 0.9127% | 1,392 |
| Net operating income to assets | 3.1826% | 83 |
| Return on assets (ROA) | 3.1826% | 88 |
| Pretax return on assets | 3.2021% | 123 |
| Return on Equity (ROE) | 26.7207% | 124 |
| Retained earnings to average equity (ytd only) | 26.7207% | 88 |
| Net charge-offs to loans | 1.3997% | 1,233 |
| Credit loss provision to net charge-offs | 88.2600% | 3,697 |
| Earnings coverage of net charge-offs (x) | 3.9790% | 2,735 |
| Efficiency ratio | 48.3125% | 7,417 |
| Assets per employee ($millions) | 2.5327% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2344% | 677 |
| Loan loss allowance to noncurrent loans | 55.7631% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 6.4841% | 881 |
| Noncurrent loans to loans | 5.8003% | 1,159 |
| Net loans and leases to total assets | 71.9902% | 2,448 |
| Net loans and leases to deposits | 91.8426% | 1,632 |
| Net loans and leases to core deposits | 118.0899% | 861 |
| Total domestic deposits to total assets | 78.3844% | 6,228 |
| Equity capital to assets | 12.4483% | 1,782 |
| Core capital (leverage) ratio | 11.3759% | 1,982 |
| Tier 1 risk-based capital ratio | 15.4814% | 2,879 |
| Total risk-based capital ratio | 16.7583% | 2,813 |
| Memoranda: | ||
| Average total assets | $184,505,000 | 3,439 |
| Average earning assets | $162,276,000 | 3,524 |
| Average equity | $21,975,500 | 2,949 |
| Average total loans | $136,312,000 | 3,140 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9023% | 2,224 |
| Cost of funding earning assets | 0.9836% | 7,237 |
| Net interest margin | 4.9187% | 538 |
| Noninterest income to average assets | 5.4893% | 130 |
| Noninterest expense to average assets | 4.3070% | 980 |
| Loan and lease loss provision to assets | 4.2898% | 287 |
| Net operating income to assets | 1.1646% | 1,347 |
| Return on assets (ROA) | 1.1646% | 1,378 |
| Pretax return on assets | 1.1760% | 2,019 |
| Return on Equity (ROE) | 9.9274% | 1,714 |
| Retained earnings to average equity (ytd only) | 7.4918% | 823 |
| Net charge-offs to loans | 3.8346% | 448 |
| Credit loss provision to net charge-offs | 146.4780% | 3,232 |
| Earnings coverage of net charge-offs (x) | 1.8663% | 4,320 |
| Efficiency ratio | 44.0709% | 7,772 |
| Assets per employee ($millions) | 2.7052% | 6,848 |
| Cash dividends to net income (ytd only)* | 24.5339% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2448% | 639 |
| Loan loss allowance to noncurrent loans | 66.8371% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 5.4860% | 1,071 |
| Noncurrent loans to loans | 4.8547% | 1,410 |
| Net loans and leases to total assets | 70.9942% | 3,005 |
| Net loans and leases to deposits | 83.3905% | 3,380 |
| Net loans and leases to core deposits | 113.2907% | 2,566 |
| Total domestic deposits to total assets | 85.1347% | 3,494 |
| Equity capital to assets | 11.3851% | 2,405 |
| Core capital (leverage) ratio | 9.0402% | 4,357 |
| Tier 1 risk-based capital ratio | 14.2185% | 3,369 |
| Total risk-based capital ratio | 15.4910% | 3,307 |
| Memoranda: | ||
| Average total assets | $174,995,000 | 3,517 |
| Average earning assets | $152,397,000 | 3,670 |
| Average equity | $20,529,000 | 3,135 |
| Average total loans | $133,652,800 | 3,197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8801% | 2,533 |
| Cost of funding earning assets | 0.9944% | 7,400 |
| Net interest margin | 4.8857% | 570 |
| Noninterest income to average assets | 2.7707% | 237 |
| Noninterest expense to average assets | 4.3397% | 869 |
| Loan and lease loss provision to assets | 1.4218% | 1,351 |
| Net operating income to assets | 1.2366% | 1,384 |
| Return on assets (ROA) | 1.2366% | 1,448 |
| Pretax return on assets | 1.2575% | 2,085 |
| Return on Equity (ROE) | 10.4575% | 1,775 |
| Retained earnings to average equity (ytd only) | 7.1814% | 1,438 |
| Net charge-offs to loans | 0.3594% | 3,849 |
| Credit loss provision to net charge-offs | 512.5698% | 765 |
| Earnings coverage of net charge-offs (x) | 9.6592% | 2,075 |
| Efficiency ratio | 61.8280% | 6,145 |
| Assets per employee ($millions) | 2.5719% | 7,108 |
| Cash dividends to net income (ytd only)* | 31.3283% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6009% | 965 |
| Loan loss allowance to noncurrent loans | 58.6899% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 4.3203% | 1,433 |
| Noncurrent loans to loans | 4.4317% | 1,587 |
| Net loans and leases to total assets | 74.6787% | 2,318 |
| Net loans and leases to deposits | 91.4276% | 2,330 |
| Net loans and leases to core deposits | 126.4860% | 1,698 |
| Total domestic deposits to total assets | 81.6807% | 4,812 |
| Equity capital to assets | 11.7275% | 2,409 |
| Core capital (leverage) ratio | 10.7641% | 2,589 |
| Tier 1 risk-based capital ratio | 14.0040% | 3,551 |
| Total risk-based capital ratio | 15.2719% | 3,490 |
| Memoranda: | ||
| Average total assets | $172,079,750 | 3,591 |
| Average earning assets | $149,630,000 | 3,733 |
| Average equity | $20,348,500 | 3,188 |
| Average total loans | $132,826,250 | 3,246 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 3,433 |
| Cost of funding earning assets | 0.9964% | 7,557 |
| Net interest margin | 4.7241% | 769 |
| Noninterest income to average assets | 1.7571% | 474 |
| Noninterest expense to average assets | 4.1613% | 1,113 |
| Loan and lease loss provision to assets | 0.5861% | 2,686 |
| Net operating income to assets | 1.1874% | 1,511 |
| Return on assets (ROA) | 1.1874% | 1,597 |
| Pretax return on assets | 1.2086% | 2,275 |
| Return on Equity (ROE) | 10.0129% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.0417% | 1,569 |
| Net charge-offs to loans | 0.4175% | 3,128 |
| Credit loss provision to net charge-offs | 181.4545% | 2,526 |
| Earnings coverage of net charge-offs (x) | 5.5564% | 2,811 |
| Efficiency ratio | 69.8679% | 4,808 |
| Assets per employee ($millions) | 2.4875% | 7,281 |
| Cash dividends to net income (ytd only)* | 29.6736% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 2,439 |
| Loan loss allowance to noncurrent loans | 43.7512% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 4.0912% | 1,430 |
| Noncurrent loans to loans | 3.8194% | 1,791 |
| Net loans and leases to total assets | 78.3739% | 1,667 |
| Net loans and leases to deposits | 96.4093% | 1,730 |
| Net loans and leases to core deposits | 129.7412% | 1,591 |
| Total domestic deposits to total assets | 81.2929% | 4,962 |
| Equity capital to assets | 11.9084% | 2,255 |
| Core capital (leverage) ratio | 10.6128% | 2,725 |
| Tier 1 risk-based capital ratio | 13.1904% | 4,006 |
| Total risk-based capital ratio | 14.4460% | 3,926 |
| Memoranda: | ||
| Average total assets | $170,285,330 | 3,632 |
| Average earning assets | $151,351,330 | 3,719 |
| Average equity | $20,194,000 | 3,215 |
| Average total loans | $131,746,330 | 3,309 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6863% | 3,873 |
| Cost of funding earning assets | 1.0225% | 7,639 |
| Net interest margin | 4.6637% | 838 |
| Noninterest income to average assets | 1.5541% | 571 |
| Noninterest expense to average assets | 4.0163% | 1,167 |
| Loan and lease loss provision to assets | 0.5141% | 2,409 |
| Net operating income to assets | 1.1438% | 1,827 |
| Return on assets (ROA) | 1.1438% | 1,950 |
| Pretax return on assets | 1.1650% | 2,746 |
| Return on Equity (ROE) | 9.6654% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.6654% | 1,293 |
| Net charge-offs to loans | 0.1548% | 3,721 |
| Credit loss provision to net charge-offs | 436.0000% | 1,209 |
| Earnings coverage of net charge-offs (x) | 14.2400% | 1,682 |
| Efficiency ratio | 70.5176% | 4,475 |
| Assets per employee ($millions) | 2.4766% | 7,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 2,115 |
| Loan loss allowance to noncurrent loans | 21.0001% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 6.9338% | 496 |
| Noncurrent loans to loans | 8.1349% | 435 |
| Net loans and leases to total assets | 75.0825% | 2,485 |
| Net loans and leases to deposits | 92.2966% | 2,546 |
| Net loans and leases to core deposits | 118.8193% | 2,522 |
| Total domestic deposits to total assets | 81.3492% | 4,815 |
| Equity capital to assets | 11.8715% | 2,345 |
| Core capital (leverage) ratio | 10.6897% | 2,748 |
| Tier 1 risk-based capital ratio | 13.5154% | 3,851 |
| Total risk-based capital ratio | 14.7655% | 3,780 |
| Memoranda: | ||
| Average total assets | $169,610,500 | 3,655 |
| Average earning assets | $150,608,500 | 3,739 |
| Average equity | $20,071,500 | 3,249 |
| Average total loans | $129,218,000 | 3,378 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5450% | 2,744 |
| Cost of funding earning assets | 1.4851% | 7,632 |
| Net interest margin | 5.0599% | 445 |
| Noninterest income to average assets | 2.8446% | 217 |
| Noninterest expense to average assets | 4.2857% | 1,064 |
| Loan and lease loss provision to assets | 0.8003% | 1,855 |
| Net operating income to assets | 2.1329% | 270 |
| Return on assets (ROA) | 2.1329% | 265 |
| Pretax return on assets | 2.1559% | 436 |
| Return on Equity (ROE) | 17.1797% | 611 |
| Retained earnings to average equity (ytd only) | 5.1103% | 1,958 |
| Net charge-offs to loans | 0.7634% | 1,626 |
| Credit loss provision to net charge-offs | 143.9220% | 3,674 |
| Earnings coverage of net charge-offs (x) | 5.3165% | 3,687 |
| Efficiency ratio | 59.1794% | 6,503 |
| Assets per employee ($millions) | 2.4048% | 7,391 |
| Cash dividends to net income (ytd only)* | 70.2541% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 2,189 |
| Loan loss allowance to noncurrent loans | 26.3582% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 5.4600% | 597 |
| Noncurrent loans to loans | 6.1165% | 571 |
| Net loans and leases to total assets | 74.7548% | 2,931 |
| Net loans and leases to deposits | 92.0258% | 3,131 |
| Net loans and leases to core deposits | 119.6124% | 2,731 |
| Total domestic deposits to total assets | 81.2324% | 4,542 |
| Equity capital to assets | 11.7957% | 2,435 |
| Core capital (leverage) ratio | 10.9127% | 2,657 |
| Tier 1 risk-based capital ratio | 13.4185% | 3,863 |
| Total risk-based capital ratio | 14.6728% | 3,767 |
| Memoranda: | ||
| Average total assets | $156,825,600 | 3,776 |
| Average earning assets | $136,287,600 | 3,922 |
| Average equity | $19,470,600 | 3,310 |
| Average total loans | $114,232,200 | 3,584 |