Home > Central Bank of Warrensburg > Performance and Condition Ratios
Central Bank of Warrensburg, Performance and Condition Ratios
| 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 | 3.0355% | 3,937 |
| Cost of funding earning assets | 0.1027% | 4,477 |
| Net interest margin | 2.9328% | 3,474 |
| Noninterest income to average assets | 0.9057% | 1,243 |
| Noninterest expense to average assets | 2.0701% | 3,451 |
| Loan and lease loss provision to assets | 0.0296% | 2,405 |
| Net operating income to assets | 1.1661% | 2,295 |
| Return on assets (ROA) | 1.1708% | 2,331 |
| Pretax return on assets | 1.4869% | 2,029 |
| Return on Equity (ROE) | 10.1885% | 2,668 |
| Retained earnings to average equity (ytd only) | 4.9850% | 3,228 |
| Net charge-offs to loans | 0.0171% | 1,716 |
| Credit loss provision to net charge-offs | 321.7391% | 970 |
| Earnings coverage of net charge-offs (x) | 164.7391% | 634 |
| Efficiency ratio | 57.8156% | 3,295 |
| Assets per employee ($millions) | 7.9730% | 1,280 |
| Cash dividends to net income (ytd only)* | 51.0725% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,415 |
| Loan loss allowance to noncurrent loans | 610.7500% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 405 |
| Noncurrent loans to loans | 0.2154% | 3,089 |
| Net loans and leases to total assets | 51.0866% | 3,292 |
| Net loans and leases to deposits | 59.3879% | 3,282 |
| Net loans and leases to core deposits | 63.2287% | 3,199 |
| Total domestic deposits to total assets | 86.0219% | 2,741 |
| Equity capital to assets | 11.0108% | 2,005 |
| Core capital (leverage) ratio | 7.9660% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1593% | 932 |
| Memoranda: | ||
| Average total assets | $334,464,250 | 2,290 |
| Average earning assets | $305,047,750 | 2,332 |
| Average equity | $38,434,500 | 2,164 |
| Average total loans | $178,850,750 | 2,430 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0043% | 4,037 |
| Cost of funding earning assets | 0.1035% | 4,556 |
| Net interest margin | 2.9009% | 3,574 |
| Noninterest income to average assets | 0.8923% | 1,289 |
| Noninterest expense to average assets | 2.0897% | 3,415 |
| Loan and lease loss provision to assets | 0.0337% | 2,310 |
| Net operating income to assets | 1.1159% | 2,483 |
| Return on assets (ROA) | 1.1227% | 2,528 |
| Pretax return on assets | 1.4236% | 2,262 |
| Return on Equity (ROE) | 9.6224% | 2,902 |
| Retained earnings to average equity (ytd only) | 1.7438% | 4,177 |
| Net charge-offs to loans | 0.0102% | 1,768 |
| Credit loss provision to net charge-offs | 611.1111% | 614 |
| Earnings coverage of net charge-offs (x) | 262.6667% | 416 |
| Efficiency ratio | 59.0578% | 3,142 |
| Assets per employee ($millions) | 7.4657% | 1,495 |
| Cash dividends to net income (ytd only)* | 81.8777% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 2,204 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 667 |
| Noncurrent assets plus other real estate owned to assets | 1.1208% | 638 |
| Noncurrent loans to loans | 0.1172% | 3,603 |
| Net loans and leases to total assets | 51.9708% | 3,343 |
| Net loans and leases to deposits | 60.6192% | 3,336 |
| Net loans and leases to core deposits | 64.6976% | 3,219 |
| Total domestic deposits to total assets | 85.7332% | 2,827 |
| Equity capital to assets | 11.1039% | 1,909 |
| Core capital (leverage) ratio | 7.9674% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7429% | 1,001 |
| Memoranda: | ||
| Average total assets | $326,358,000 | 2,328 |
| Average earning assets | $297,704,333 | 2,365 |
| Average equity | $38,077,667 | 2,175 |
| Average total loans | $176,556,667 | 2,462 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0748% | 3,937 |
| Cost of funding earning assets | 0.1091% | 4,596 |
| Net interest margin | 2.9657% | 3,343 |
| Noninterest income to average assets | 0.8671% | 1,419 |
| Noninterest expense to average assets | 2.0665% | 3,519 |
| Loan and lease loss provision to assets | 0.0428% | 2,207 |
| Net operating income to assets | 1.1516% | 2,330 |
| Return on assets (ROA) | 1.1516% | 2,397 |
| Pretax return on assets | 1.4599% | 2,108 |
| Return on Equity (ROE) | 9.6189% | 2,813 |
| Retained earnings to average equity (ytd only) | 1.7346% | 4,069 |
| Net charge-offs to loans | 0.0092% | 1,582 |
| Credit loss provision to net charge-offs | 850.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 298.5000% | 294 |
| Efficiency ratio | 57.8984% | 3,315 |
| Assets per employee ($millions) | 7.5128% | 1,446 |
| Cash dividends to net income (ytd only)* | 81.9672% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 2,067 |
| Loan loss allowance to noncurrent loans | 4,403.6364% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 1,011 |
| Noncurrent loans to loans | 0.0313% | 4,127 |
| Net loans and leases to total assets | 51.3009% | 3,510 |
| Net loans and leases to deposits | 59.9840% | 3,485 |
| Net loans and leases to core deposits | 63.6472% | 3,444 |
| Total domestic deposits to total assets | 85.5243% | 2,918 |
| Equity capital to assets | 11.2350% | 1,692 |
| Core capital (leverage) ratio | 8.5792% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9142% | 1,083 |
| Memoranda: | ||
| Average total assets | $317,827,000 | 2,351 |
| Average earning assets | $289,580,500 | 2,385 |
| Average equity | $38,050,000 | 2,161 |
| Average total loans | $174,377,000 | 2,480 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 4,272 |
| Cost of funding earning assets | 0.2483% | 4,381 |
| Net interest margin | 3.0956% | 3,638 |
| Noninterest income to average assets | 0.9606% | 1,120 |
| Noninterest expense to average assets | 2.2274% | 3,603 |
| Loan and lease loss provision to assets | 0.0459% | 3,823 |
| Net operating income to assets | 1.1711% | 1,649 |
| Return on assets (ROA) | 1.1711% | 1,762 |
| Pretax return on assets | 1.4855% | 1,382 |
| Return on Equity (ROE) | 8.7461% | 2,495 |
| Retained earnings to average equity (ytd only) | 2.8547% | 3,445 |
| Net charge-offs to loans | 0.1492% | 1,093 |
| Credit loss provision to net charge-offs | 56.1404% | 3,109 |
| Earnings coverage of net charge-offs (x) | 18.7325% | 2,011 |
| Efficiency ratio | 59.2578% | 3,558 |
| Assets per employee ($millions) | 6.0730% | 2,278 |
| Cash dividends to net income (ytd only)* | 67.3607% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 2,034 |
| Loan loss allowance to noncurrent loans | 1,286.0215% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 1,036 |
| Noncurrent loans to loans | 0.1076% | 3,862 |
| Net loans and leases to total assets | 57.2972% | 3,165 |
| Net loans and leases to deposits | 68.6921% | 3,010 |
| Net loans and leases to core deposits | 73.5927% | 2,943 |
| Total domestic deposits to total assets | 83.4117% | 3,292 |
| Equity capital to assets | 12.8091% | 1,179 |
| Core capital (leverage) ratio | 8.9571% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1702% | 1,027 |
| Memoranda: | ||
| Average total assets | $278,893,200 | 2,404 |
| Average earning assets | $252,100,600 | 2,458 |
| Average equity | $37,342,400 | 2,115 |
| Average total loans | $152,770,400 | 2,638 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 4,403 |
| Cost of funding earning assets | 0.2844% | 4,374 |
| Net interest margin | 3.0772% | 3,793 |
| Noninterest income to average assets | 0.9092% | 1,196 |
| Noninterest expense to average assets | 2.2293% | 3,608 |
| Loan and lease loss provision to assets | 0.0427% | 3,822 |
| Net operating income to assets | 1.1207% | 1,912 |
| Return on assets (ROA) | 1.1207% | 2,030 |
| Pretax return on assets | 1.4197% | 1,667 |
| Return on Equity (ROE) | 8.2728% | 2,698 |
| Retained earnings to average equity (ytd only) | 0.3769% | 4,413 |
| Net charge-offs to loans | 0.2003% | 762 |
| Credit loss provision to net charge-offs | 39.6396% | 2,928 |
| Earnings coverage of net charge-offs (x) | 13.5495% | 2,195 |
| Efficiency ratio | 60.3846% | 3,335 |
| Assets per employee ($millions) | 6.2022% | 2,082 |
| Cash dividends to net income (ytd only)* | 95.4447% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,560 |
| Loan loss allowance to noncurrent loans | 753.3546% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 1,115 |
| Noncurrent loans to loans | 0.1917% | 3,626 |
| Net loans and leases to total assets | 55.2102% | 3,688 |
| Net loans and leases to deposits | 66.4265% | 3,583 |
| Net loans and leases to core deposits | 70.9897% | 3,556 |
| Total domestic deposits to total assets | 83.1148% | 3,114 |
| Equity capital to assets | 12.7720% | 1,295 |
| Core capital (leverage) ratio | 8.7523% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7530% | 1,091 |
| Memoranda: | ||
| Average total assets | $274,222,000 | 2,406 |
| Average earning assets | $247,965,000 | 2,469 |
| Average equity | $37,148,750 | 2,116 |
| Average total loans | $147,739,000 | 2,688 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4439% | 4,490 |
| Cost of funding earning assets | 0.3400% | 4,312 |
| Net interest margin | 3.1039% | 3,895 |
| Noninterest income to average assets | 0.8463% | 1,299 |
| Noninterest expense to average assets | 2.2208% | 3,716 |
| Loan and lease loss provision to assets | 0.0335% | 3,844 |
| Net operating income to assets | 1.1003% | 1,964 |
| Return on assets (ROA) | 1.1003% | 2,082 |
| Pretax return on assets | 1.3939% | 1,741 |
| Return on Equity (ROE) | 7.9577% | 2,763 |
| Retained earnings to average equity (ytd only) | 4.1863% | 2,826 |
| Net charge-offs to loans | 0.3213% | 504 |
| Credit loss provision to net charge-offs | 19.6507% | 2,731 |
| Earnings coverage of net charge-offs (x) | 8.3668% | 2,290 |
| Efficiency ratio | 60.8740% | 3,293 |
| Assets per employee ($millions) | 6.0645% | 2,129 |
| Cash dividends to net income (ytd only)* | 47.3934% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,419 |
| Loan loss allowance to noncurrent loans | 790.4110% | 682 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 1,147 |
| Noncurrent loans to loans | 0.1831% | 3,720 |
| Net loans and leases to total assets | 53.9953% | 3,874 |
| Net loans and leases to deposits | 64.9983% | 3,808 |
| Net loans and leases to core deposits | 69.4708% | 3,745 |
| Total domestic deposits to total assets | 83.0718% | 3,068 |
| Equity capital to assets | 13.0264% | 1,152 |
| Core capital (leverage) ratio | 9.4755% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5113% | 977 |
| Memoranda: | ||
| Average total assets | $268,461,333 | 2,422 |
| Average earning assets | $242,338,667 | 2,476 |
| Average equity | $37,121,333 | 2,113 |
| Average total loans | $142,552,667 | 2,720 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6122% | 4,505 |
| Cost of funding earning assets | 0.4539% | 4,138 |
| Net interest margin | 3.1583% | 3,963 |
| Noninterest income to average assets | 0.8789% | 1,111 |
| Noninterest expense to average assets | 2.2991% | 3,773 |
| Loan and lease loss provision to assets | 0.0171% | 3,581 |
| Net operating income to assets | 1.1169% | 1,792 |
| Return on assets (ROA) | 1.1169% | 1,888 |
| Pretax return on assets | 1.4093% | 1,533 |
| Return on Equity (ROE) | 7.8208% | 2,590 |
| Retained earnings to average equity (ytd only) | 0.1961% | 3,946 |
| Net charge-offs to loans | 0.0179% | 2,016 |
| Credit loss provision to net charge-offs | 183.3333% | 1,466 |
| Earnings coverage of net charge-offs (x) | 152.8333% | 426 |
| Efficiency ratio | 61.7119% | 3,527 |
| Assets per employee ($millions) | 5.2539% | 2,370 |
| Cash dividends to net income (ytd only)* | 97.4930% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 676 |
| Loan loss allowance to noncurrent loans | 82.3549% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 1,042 |
| Noncurrent loans to loans | 2.2258% | 594 |
| Net loans and leases to total assets | 51.9438% | 4,117 |
| Net loans and leases to deposits | 63.9207% | 3,990 |
| Net loans and leases to core deposits | 68.8578% | 3,946 |
| Total domestic deposits to total assets | 81.2628% | 3,611 |
| Equity capital to assets | 14.3296% | 950 |
| Core capital (leverage) ratio | 9.8657% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8386% | 1,004 |
| Memoranda: | ||
| Average total assets | $257,145,000 | 2,450 |
| Average earning assets | $231,767,500 | 2,491 |
| Average equity | $36,722,500 | 2,121 |
| Average total loans | $134,086,500 | 2,793 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,419 |
| Cost of funding earning assets | 0.5842% | 3,701 |
| Net interest margin | 3.3263% | 3,928 |
| Noninterest income to average assets | 1.0067% | 958 |
| Noninterest expense to average assets | 2.3511% | 3,821 |
| Loan and lease loss provision to assets | 0.0225% | 3,574 |
| Net operating income to assets | 1.2971% | 1,703 |
| Return on assets (ROA) | 1.3018% | 1,761 |
| Pretax return on assets | 1.6265% | 1,409 |
| Return on Equity (ROE) | 9.1254% | 2,696 |
| Retained earnings to average equity (ytd only) | 1.3826% | 4,251 |
| Net charge-offs to loans | 0.0753% | 2,016 |
| Credit loss provision to net charge-offs | 55.8824% | 3,075 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 1,302 |
| Efficiency ratio | 58.8642% | 3,855 |
| Assets per employee ($millions) | 5.2418% | 2,295 |
| Cash dividends to net income (ytd only)* | 84.8485% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 568 |
| Loan loss allowance to noncurrent loans | 82.2171% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 958 |
| Noncurrent loans to loans | 2.2970% | 520 |
| Net loans and leases to total assets | 50.4030% | 4,316 |
| Net loans and leases to deposits | 61.8066% | 4,199 |
| Net loans and leases to core deposits | 66.9359% | 4,137 |
| Total domestic deposits to total assets | 81.5495% | 3,633 |
| Equity capital to assets | 14.2320% | 1,027 |
| Core capital (leverage) ratio | 9.9194% | 3,601 |
| Tier 1 risk-based capital ratio | 16.2863% | 2,298 |
| Total risk-based capital ratio | 17.5411% | 2,243 |
| Memoranda: | ||
| Average total assets | $253,494,000 | 2,435 |
| Average earning assets | $227,669,600 | 2,480 |
| Average equity | $36,162,800 | 2,087 |
| Average total loans | $135,409,400 | 2,770 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 4,489 |
| Cost of funding earning assets | 0.5982% | 3,707 |
| Net interest margin | 3.3337% | 4,031 |
| Noninterest income to average assets | 0.9594% | 1,025 |
| Noninterest expense to average assets | 2.3705% | 3,764 |
| Loan and lease loss provision to assets | 0.0269% | 3,361 |
| Net operating income to assets | 1.2164% | 2,137 |
| Return on assets (ROA) | 1.2164% | 2,213 |
| Pretax return on assets | 1.5557% | 1,794 |
| Return on Equity (ROE) | 8.5215% | 3,102 |
| Retained earnings to average equity (ytd only) | 0.7579% | 4,614 |
| Net charge-offs to loans | 0.0841% | 1,635 |
| Credit loss provision to net charge-offs | 59.3023% | 2,717 |
| Earnings coverage of net charge-offs (x) | 34.8733% | 1,483 |
| Efficiency ratio | 59.9653% | 3,656 |
| Assets per employee ($millions) | 5.2692% | 2,260 |
| Cash dividends to net income (ytd only)* | 91.1062% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 583 |
| Loan loss allowance to noncurrent loans | 79.7323% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 955 |
| Noncurrent loans to loans | 2.3400% | 522 |
| Net loans and leases to total assets | 52.0316% | 4,317 |
| Net loans and leases to deposits | 63.9092% | 4,175 |
| Net loans and leases to core deposits | 68.9605% | 4,107 |
| Total domestic deposits to total assets | 81.4149% | 3,634 |
| Equity capital to assets | 14.3498% | 1,024 |
| Core capital (leverage) ratio | 9.9206% | 3,717 |
| Tier 1 risk-based capital ratio | 16.3430% | 2,316 |
| Total risk-based capital ratio | 17.5982% | 2,248 |
| Memoranda: | ||
| Average total assets | $252,655,000 | 2,463 |
| Average earning assets | $226,889,250 | 2,512 |
| Average equity | $36,064,750 | 2,099 |
| Average total loans | $136,273,750 | 2,788 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 4,523 |
| Cost of funding earning assets | 0.5894% | 3,708 |
| Net interest margin | 3.3300% | 4,077 |
| Noninterest income to average assets | 0.9550% | 965 |
| Noninterest expense to average assets | 2.3313% | 3,926 |
| Loan and lease loss provision to assets | 0.0269% | 3,283 |
| Net operating income to assets | 1.2377% | 2,016 |
| Return on assets (ROA) | 1.2377% | 2,069 |
| Pretax return on assets | 1.5853% | 1,588 |
| Return on Equity (ROE) | 8.6861% | 2,981 |
| Retained earnings to average equity (ytd only) | 0.9058% | 4,466 |
| Net charge-offs to loans | 0.0628% | 1,753 |
| Credit loss provision to net charge-offs | 79.0698% | 2,229 |
| Earnings coverage of net charge-offs (x) | 47.3488% | 1,138 |
| Efficiency ratio | 59.1165% | 3,846 |
| Assets per employee ($millions) | 4.9675% | 2,519 |
| Cash dividends to net income (ytd only)* | 89.5713% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 604 |
| Loan loss allowance to noncurrent loans | 74.7708% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.3543% | 906 |
| Noncurrent loans to loans | 2.4963% | 478 |
| Net loans and leases to total assets | 52.4636% | 4,326 |
| Net loans and leases to deposits | 64.2494% | 4,214 |
| Net loans and leases to core deposits | 69.7528% | 4,120 |
| Total domestic deposits to total assets | 81.6562% | 3,617 |
| Equity capital to assets | 14.2975% | 1,013 |
| Core capital (leverage) ratio | 9.9960% | 3,587 |
| Tier 1 risk-based capital ratio | 16.6823% | 2,182 |
| Total risk-based capital ratio | 17.9389% | 2,125 |
| Memoranda: | ||
| Average total assets | $252,565,670 | 2,476 |
| Average earning assets | $226,668,670 | 2,528 |
| Average equity | $35,988,330 | 2,102 |
| Average total loans | $136,997,670 | 2,796 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 4,579 |
| Cost of funding earning assets | 0.5753% | 3,698 |
| Net interest margin | 3.3085% | 4,143 |
| Noninterest income to average assets | 0.9311% | 969 |
| Noninterest expense to average assets | 2.3285% | 3,950 |
| Loan and lease loss provision to assets | 0.0381% | 2,865 |
| Net operating income to assets | 1.1976% | 2,066 |
| Return on assets (ROA) | 1.1976% | 2,115 |
| Pretax return on assets | 1.5291% | 1,682 |
| Return on Equity (ROE) | 8.4189% | 3,072 |
| Retained earnings to average equity (ytd only) | 0.6133% | 4,405 |
| Net charge-offs to loans | -0.0116% | 4,282 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7720% | 3,844 |
| Assets per employee ($millions) | 5.1990% | 2,288 |
| Cash dividends to net income (ytd only)* | 92.7152% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 645 |
| Loan loss allowance to noncurrent loans | 74.0901% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.3786% | 917 |
| Noncurrent loans to loans | 2.4991% | 523 |
| Net loans and leases to total assets | 53.3723% | 4,245 |
| Net loans and leases to deposits | 65.1489% | 4,114 |
| Net loans and leases to core deposits | 70.7594% | 4,030 |
| Total domestic deposits to total assets | 81.9236% | 3,744 |
| Equity capital to assets | 14.1228% | 997 |
| Core capital (leverage) ratio | 9.9444% | 3,661 |
| Tier 1 risk-based capital ratio | 16.1550% | 2,371 |
| Total risk-based capital ratio | 17.4111% | 2,327 |
| Memoranda: | ||
| Average total assets | $252,176,000 | 2,491 |
| Average earning assets | $225,960,500 | 2,550 |
| Average equity | $35,871,500 | 2,104 |
| Average total loans | $137,775,500 | 2,817 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 4,633 |
| Cost of funding earning assets | 0.4022% | 3,974 |
| Net interest margin | 3.3205% | 4,204 |
| Noninterest income to average assets | 1.0742% | 809 |
| Noninterest expense to average assets | 2.4017% | 3,871 |
| Loan and lease loss provision to assets | 0.0719% | 2,698 |
| Net operating income to assets | 1.2543% | 1,964 |
| Return on assets (ROA) | 1.2539% | 1,959 |
| Pretax return on assets | 1.5641% | 1,578 |
| Return on Equity (ROE) | 8.7291% | 3,133 |
| Retained earnings to average equity (ytd only) | 0.8574% | 4,757 |
| Net charge-offs to loans | 0.0662% | 2,169 |
| Credit loss provision to net charge-offs | 195.6044% | 1,473 |
| Earnings coverage of net charge-offs (x) | 44.5275% | 1,217 |
| Efficiency ratio | 59.4759% | 3,945 |
| Assets per employee ($millions) | 5.3106% | 2,137 |
| Cash dividends to net income (ytd only)* | 90.1771% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 621 |
| Loan loss allowance to noncurrent loans | 75.2819% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3702% | 909 |
| Noncurrent loans to loans | 2.4595% | 500 |
| Net loans and leases to total assets | 53.8790% | 4,287 |
| Net loans and leases to deposits | 66.0995% | 4,112 |
| Net loans and leases to core deposits | 71.7563% | 4,003 |
| Total domestic deposits to total assets | 81.5120% | 3,787 |
| Equity capital to assets | 14.3289% | 883 |
| Core capital (leverage) ratio | 9.9506% | 3,645 |
| Tier 1 risk-based capital ratio | 16.3952% | 2,273 |
| Total risk-based capital ratio | 17.6511% | 2,209 |
| Memoranda: | ||
| Average total assets | $247,619,000 | 2,487 |
| Average earning assets | $221,019,400 | 2,555 |
| Average equity | $35,570,600 | 2,049 |
| Average total loans | $137,447,000 | 2,799 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6565% | 4,715 |
| Cost of funding earning assets | 0.3677% | 4,067 |
| Net interest margin | 3.2888% | 4,309 |
| Noninterest income to average assets | 1.0839% | 801 |
| Noninterest expense to average assets | 2.4187% | 3,810 |
| Loan and lease loss provision to assets | 0.0804% | 2,348 |
| Net operating income to assets | 1.1917% | 2,271 |
| Return on assets (ROA) | 1.1913% | 2,276 |
| Pretax return on assets | 1.5231% | 1,825 |
| Return on Equity (ROE) | 8.2876% | 3,422 |
| Retained earnings to average equity (ytd only) | 0.5930% | 4,933 |
| Net charge-offs to loans | 0.0766% | 1,760 |
| Credit loss provision to net charge-offs | 188.6076% | 1,452 |
| Earnings coverage of net charge-offs (x) | 37.6332% | 1,405 |
| Efficiency ratio | 60.1261% | 3,801 |
| Assets per employee ($millions) | 4.9902% | 2,477 |
| Cash dividends to net income (ytd only)* | 92.8443% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 687 |
| Loan loss allowance to noncurrent loans | 70.0974% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 887 |
| Noncurrent loans to loans | 2.6035% | 490 |
| Net loans and leases to total assets | 54.3321% | 4,339 |
| Net loans and leases to deposits | 65.3716% | 4,249 |
| Net loans and leases to core deposits | 70.9045% | 4,133 |
| Total domestic deposits to total assets | 83.1128% | 3,262 |
| Equity capital to assets | 14.2208% | 895 |
| Core capital (leverage) ratio | 10.1122% | 3,506 |
| Tier 1 risk-based capital ratio | 15.7738% | 2,538 |
| Total risk-based capital ratio | 17.0293% | 2,470 |
| Memoranda: | ||
| Average total assets | $247,123,750 | 2,507 |
| Average earning assets | $220,822,000 | 2,569 |
| Average equity | $35,522,000 | 2,062 |
| Average total loans | $137,554,000 | 2,817 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,714 |
| Cost of funding earning assets | 0.3512% | 4,070 |
| Net interest margin | 3.2801% | 4,309 |
| Noninterest income to average assets | 1.0587% | 863 |
| Noninterest expense to average assets | 2.4155% | 3,854 |
| Loan and lease loss provision to assets | 0.0731% | 2,427 |
| Net operating income to assets | 1.1610% | 2,344 |
| Return on assets (ROA) | 1.1610% | 2,348 |
| Pretax return on assets | 1.4899% | 1,850 |
| Return on Equity (ROE) | 8.0483% | 3,481 |
| Retained earnings to average equity (ytd only) | 0.7317% | 4,816 |
| Net charge-offs to loans | 0.1281% | 1,153 |
| Credit loss provision to net charge-offs | 102.2727% | 1,979 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,761 |
| Efficiency ratio | 60.7143% | 3,811 |
| Assets per employee ($millions) | 4.9314% | 2,507 |
| Cash dividends to net income (ytd only)* | 90.9091% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 753 |
| Loan loss allowance to noncurrent loans | 67.8473% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.4937% | 892 |
| Noncurrent loans to loans | 2.6515% | 466 |
| Net loans and leases to total assets | 54.2846% | 4,316 |
| Net loans and leases to deposits | 64.1634% | 4,269 |
| Net loans and leases to core deposits | 69.4538% | 4,175 |
| Total domestic deposits to total assets | 84.6036% | 2,837 |
| Equity capital to assets | 14.4100% | 830 |
| Core capital (leverage) ratio | 10.0028% | 3,578 |
| Tier 1 risk-based capital ratio | 15.9975% | 2,440 |
| Total risk-based capital ratio | 17.2528% | 2,380 |
| Memoranda: | ||
| Average total assets | $246,329,000 | 2,523 |
| Average earning assets | $219,263,000 | 2,589 |
| Average equity | $35,535,330 | 2,065 |
| Average total loans | $137,377,670 | 2,827 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,685 |
| Cost of funding earning assets | 0.3350% | 4,103 |
| Net interest margin | 3.2735% | 4,254 |
| Noninterest income to average assets | 0.9829% | 944 |
| Noninterest expense to average assets | 2.3427% | 4,074 |
| Loan and lease loss provision to assets | 0.0812% | 2,165 |
| Net operating income to assets | 1.1421% | 2,250 |
| Return on assets (ROA) | 1.1421% | 2,263 |
| Pretax return on assets | 1.4638% | 1,791 |
| Return on Equity (ROE) | 7.9128% | 3,412 |
| Retained earnings to average equity (ytd only) | 0.5966% | 4,713 |
| Net charge-offs to loans | 0.2552% | 603 |
| Credit loss provision to net charge-offs | 56.8182% | 1,901 |
| Earnings coverage of net charge-offs (x) | 10.8068% | 1,886 |
| Efficiency ratio | 60.2591% | 4,029 |
| Assets per employee ($millions) | 4.9864% | 2,510 |
| Cash dividends to net income (ytd only)* | 92.4609% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 850 |
| Loan loss allowance to noncurrent loans | 65.8297% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 905 |
| Noncurrent loans to loans | 2.6730% | 482 |
| Net loans and leases to total assets | 54.0131% | 4,281 |
| Net loans and leases to deposits | 63.4880% | 4,238 |
| Net loans and leases to core deposits | 68.6965% | 4,176 |
| Total domestic deposits to total assets | 85.0761% | 2,906 |
| Equity capital to assets | 14.2324% | 832 |
| Core capital (leverage) ratio | 9.7831% | 3,773 |
| Tier 1 risk-based capital ratio | 16.3507% | 2,337 |
| Total risk-based capital ratio | 17.6066% | 2,279 |
| Memoranda: | ||
| Average total assets | $246,208,000 | 2,546 |
| Average earning assets | $218,480,500 | 2,628 |
| Average equity | $35,537,500 | 2,070 |
| Average total loans | $137,915,500 | 2,839 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 4,597 |
| Cost of funding earning assets | 0.2642% | 4,447 |
| Net interest margin | 3.3249% | 4,083 |
| Noninterest income to average assets | 1.0931% | 849 |
| Noninterest expense to average assets | 2.4913% | 3,813 |
| Loan and lease loss provision to assets | 0.5548% | 237 |
| Net operating income to assets | 0.9192% | 2,602 |
| Return on assets (ROA) | 0.9196% | 2,631 |
| Pretax return on assets | 1.0034% | 3,554 |
| Return on Equity (ROE) | 6.1376% | 3,701 |
| Retained earnings to average equity (ytd only) | 1.1947% | 4,546 |
| Net charge-offs to loans | 0.8936% | 218 |
| Credit loss provision to net charge-offs | 102.1824% | 2,508 |
| Earnings coverage of net charge-offs (x) | 2.8691% | 3,685 |
| Efficiency ratio | 61.5280% | 4,013 |
| Assets per employee ($millions) | 4.7666% | 2,776 |
| Cash dividends to net income (ytd only)* | 80.5338% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 835 |
| Loan loss allowance to noncurrent loans | 65.2637% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.5776% | 844 |
| Noncurrent loans to loans | 2.7055% | 455 |
| Net loans and leases to total assets | 56.0698% | 4,182 |
| Net loans and leases to deposits | 66.1814% | 4,173 |
| Net loans and leases to core deposits | 71.6903% | 4,075 |
| Total domestic deposits to total assets | 84.7213% | 2,938 |
| Equity capital to assets | 14.6407% | 745 |
| Core capital (leverage) ratio | 10.1191% | 3,286 |
| Tier 1 risk-based capital ratio | 16.3139% | 2,324 |
| Total risk-based capital ratio | 17.5702% | 2,263 |
| Memoranda: | ||
| Average total assets | $236,304,600 | 2,596 |
| Average earning assets | $210,082,000 | 2,666 |
| Average equity | $35,405,000 | 2,056 |
| Average total loans | $143,581,200 | 2,727 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6252% | 4,501 |
| Cost of funding earning assets | 0.2485% | 4,576 |
| Net interest margin | 3.3767% | 3,928 |
| Noninterest income to average assets | 1.1309% | 789 |
| Noninterest expense to average assets | 2.4875% | 3,778 |
| Loan and lease loss provision to assets | 0.1125% | 1,907 |
| Net operating income to assets | 1.0322% | 2,403 |
| Return on assets (ROA) | 1.0326% | 2,439 |
| Pretax return on assets | 1.5356% | 1,644 |
| Return on Equity (ROE) | 6.8516% | 3,747 |
| Retained earnings to average equity (ytd only) | 0.2526% | 5,162 |
| Net charge-offs to loans | 0.5240% | 389 |
| Credit loss provision to net charge-offs | 34.7979% | 3,042 |
| Earnings coverage of net charge-offs (x) | 5.0949% | 3,151 |
| Efficiency ratio | 60.1567% | 4,187 |
| Assets per employee ($millions) | 4.7920% | 2,706 |
| Cash dividends to net income (ytd only)* | 96.3127% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,690 |
| Loan loss allowance to noncurrent loans | 45.4364% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.9503% | 680 |
| Noncurrent loans to loans | 3.1983% | 370 |
| Net loans and leases to total assets | 58.0503% | 4,052 |
| Net loans and leases to deposits | 68.9869% | 4,038 |
| Net loans and leases to core deposits | 74.1103% | 3,968 |
| Total domestic deposits to total assets | 84.1468% | 3,063 |
| Equity capital to assets | 14.7797% | 787 |
| Core capital (leverage) ratio | 10.3950% | 3,093 |
| Tier 1 risk-based capital ratio | 16.3179% | 2,369 |
| Total risk-based capital ratio | 17.5700% | 2,326 |
| Memoranda: | ||
| Average total assets | $234,606,500 | 2,629 |
| Average earning assets | $208,717,750 | 2,695 |
| Average equity | $35,358,500 | 2,064 |
| Average total loans | $144,788,000 | 2,728 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 4,321 |
| Cost of funding earning assets | 0.2235% | 4,771 |
| Net interest margin | 3.4444% | 3,614 |
| Noninterest income to average assets | 1.1857% | 722 |
| Noninterest expense to average assets | 2.4899% | 3,785 |
| Loan and lease loss provision to assets | 0.0867% | 2,252 |
| Net operating income to assets | 1.1153% | 1,905 |
| Return on assets (ROA) | 1.1170% | 1,948 |
| Pretax return on assets | 1.6682% | 1,130 |
| Return on Equity (ROE) | 7.3626% | 3,360 |
| Retained earnings to average equity (ytd only) | 0.2886% | 5,015 |
| Net charge-offs to loans | 0.1384% | 1,330 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 20.2079% | 1,804 |
| Efficiency ratio | 58.6926% | 4,507 |
| Assets per employee ($millions) | 4.3829% | 3,294 |
| Cash dividends to net income (ytd only)* | 96.0799% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 1,135 |
| Loan loss allowance to noncurrent loans | 157.1707% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 2,464 |
| Noncurrent loans to loans | 1.0550% | 1,863 |
| Net loans and leases to total assets | 59.5911% | 3,877 |
| Net loans and leases to deposits | 70.5638% | 3,865 |
| Net loans and leases to core deposits | 75.6938% | 3,801 |
| Total domestic deposits to total assets | 84.4500% | 3,030 |
| Equity capital to assets | 14.6830% | 771 |
| Core capital (leverage) ratio | 10.5674% | 2,846 |
| Tier 1 risk-based capital ratio | 15.8618% | 2,561 |
| Total risk-based capital ratio | 17.1166% | 2,501 |
| Memoranda: | ||
| Average total assets | $232,942,330 | 2,651 |
| Average earning assets | $206,712,670 | 2,735 |
| Average equity | $35,340,670 | 2,062 |
| Average total loans | $146,004,330 | 2,716 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,028 |
| Cost of funding earning assets | 0.2097% | 4,890 |
| Net interest margin | 3.5153% | 3,222 |
| Noninterest income to average assets | 1.3666% | 564 |
| Noninterest expense to average assets | 2.5777% | 3,565 |
| Loan and lease loss provision to assets | 0.0437% | 2,922 |
| Net operating income to assets | 1.2286% | 1,434 |
| Return on assets (ROA) | 1.2321% | 1,464 |
| Pretax return on assets | 1.8560% | 710 |
| Return on Equity (ROE) | 7.9856% | 2,927 |
| Retained earnings to average equity (ytd only) | 0.0566% | 4,897 |
| Net charge-offs to loans | 0.0219% | 2,336 |
| Credit loss provision to net charge-offs | 312.5000% | 761 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 404 |
| Efficiency ratio | 57.6397% | 4,756 |
| Assets per employee ($millions) | 4.9147% | 2,556 |
| Cash dividends to net income (ytd only)* | 99.2908% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 1,197 |
| Loan loss allowance to noncurrent loans | 184.6329% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 2,709 |
| Noncurrent loans to loans | 0.9082% | 2,217 |
| Net loans and leases to total assets | 61.9131% | 3,546 |
| Net loans and leases to deposits | 74.1811% | 3,384 |
| Net loans and leases to core deposits | 80.3963% | 3,250 |
| Total domestic deposits to total assets | 83.4621% | 3,671 |
| Equity capital to assets | 15.3041% | 593 |
| Core capital (leverage) ratio | 10.8619% | 2,525 |
| Tier 1 risk-based capital ratio | 15.1789% | 2,887 |
| Total risk-based capital ratio | 16.4332% | 2,821 |
| Memoranda: | ||
| Average total assets | $228,883,000 | 2,716 |
| Average earning assets | $202,201,500 | 2,809 |
| Average equity | $35,313,500 | 2,068 |
| Average total loans | $145,970,000 | 2,744 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7999% | 3,915 |
| Cost of funding earning assets | 0.1852% | 5,160 |
| Net interest margin | 3.6147% | 3,023 |
| Noninterest income to average assets | 1.2486% | 730 |
| Noninterest expense to average assets | 2.7765% | 3,100 |
| Loan and lease loss provision to assets | 0.1551% | 1,608 |
| Net operating income to assets | 1.0407% | 2,182 |
| Return on assets (ROA) | 1.0164% | 2,385 |
| Pretax return on assets | 1.4862% | 1,634 |
| Return on Equity (ROE) | 6.3147% | 3,831 |
| Retained earnings to average equity (ytd only) | -0.0254% | 5,311 |
| Net charge-offs to loans | 0.0462% | 3,113 |
| Credit loss provision to net charge-offs | 560.6557% | 604 |
| Earnings coverage of net charge-offs (x) | 60.6230% | 881 |
| Efficiency ratio | 62.3422% | 4,196 |
| Assets per employee ($millions) | 4.3611% | 3,343 |
| Cash dividends to net income (ytd only)* | 100.4016% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 1,244 |
| Loan loss allowance to noncurrent loans | 312.9199% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 3,615 |
| Noncurrent loans to loans | 0.5284% | 3,267 |
| Net loans and leases to total assets | 63.5279% | 3,415 |
| Net loans and leases to deposits | 75.9826% | 3,315 |
| Net loans and leases to core deposits | 80.9796% | 3,313 |
| Total domestic deposits to total assets | 83.6085% | 3,565 |
| Equity capital to assets | 15.5554% | 551 |
| Core capital (leverage) ratio | 10.8233% | 2,513 |
| Tier 1 risk-based capital ratio | 14.7946% | 3,051 |
| Total risk-based capital ratio | 16.0484% | 2,997 |
| Memoranda: | ||
| Average total assets | $220,491,800 | 2,756 |
| Average earning assets | $195,506,200 | 2,844 |
| Average equity | $35,488,800 | 2,052 |
| Average total loans | $131,929,800 | 2,890 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 3,985 |
| Cost of funding earning assets | 0.1844% | 5,227 |
| Net interest margin | 3.5950% | 3,091 |
| Noninterest income to average assets | 1.2637% | 727 |
| Noninterest expense to average assets | 2.8125% | 2,961 |
| Loan and lease loss provision to assets | 0.1961% | 1,094 |
| Net operating income to assets | 0.9995% | 2,431 |
| Return on assets (ROA) | 0.9659% | 2,722 |
| Pretax return on assets | 1.4008% | 2,035 |
| Return on Equity (ROE) | 5.9496% | 4,092 |
| Retained earnings to average equity (ytd only) | -0.4277% | 5,432 |
| Net charge-offs to loans | 0.0187% | 3,339 |
| Credit loss provision to net charge-offs | 1,788.8889% | 264 |
| Earnings coverage of net charge-offs (x) | 150.1075% | 462 |
| Efficiency ratio | 63.0874% | 4,061 |
| Assets per employee ($millions) | 4.1853% | 3,623 |
| Cash dividends to net income (ytd only)* | 107.1881% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 1,058 |
| Loan loss allowance to noncurrent loans | 463.0682% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 4,110 |
| Noncurrent loans to loans | 0.3832% | 3,887 |
| Net loans and leases to total assets | 61.0136% | 3,740 |
| Net loans and leases to deposits | 73.5945% | 3,633 |
| Net loans and leases to core deposits | 78.4108% | 3,622 |
| Total domestic deposits to total assets | 82.9051% | 3,632 |
| Equity capital to assets | 15.9841% | 558 |
| Core capital (leverage) ratio | 11.0568% | 2,393 |
| Tier 1 risk-based capital ratio | 14.8732% | 3,113 |
| Total risk-based capital ratio | 16.1276% | 3,038 |
| Memoranda: | ||
| Average total assets | $218,920,750 | 2,777 |
| Average earning assets | $194,523,750 | 2,862 |
| Average equity | $35,542,000 | 2,061 |
| Average total loans | $128,290,250 | 2,951 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,091 |
| Cost of funding earning assets | 0.1863% | 5,271 |
| Net interest margin | 3.5740% | 3,195 |
| Noninterest income to average assets | 1.2801% | 697 |
| Noninterest expense to average assets | 2.8263% | 2,934 |
| Loan and lease loss provision to assets | 0.0551% | 3,049 |
| Net operating income to assets | 1.0784% | 2,049 |
| Return on assets (ROA) | 1.0277% | 2,398 |
| Pretax return on assets | 1.4948% | 1,681 |
| Return on Equity (ROE) | 6.2973% | 3,905 |
| Retained earnings to average equity (ytd only) | -0.1687% | 5,318 |
| Net charge-offs to loans | 0.0144% | 3,250 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 196.5556% | 333 |
| Efficiency ratio | 63.5183% | 4,099 |
| Assets per employee ($millions) | 4.1721% | 3,614 |
| Cash dividends to net income (ytd only)* | 102.6786% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 1,421 |
| Loan loss allowance to noncurrent loans | 802.9304% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 4,675 |
| Noncurrent loans to loans | 0.2047% | 4,626 |
| Net loans and leases to total assets | 59.3309% | 3,974 |
| Net loans and leases to deposits | 71.6217% | 3,820 |
| Net loans and leases to core deposits | 76.8343% | 3,753 |
| Total domestic deposits to total assets | 82.8393% | 3,711 |
| Equity capital to assets | 16.1084% | 527 |
| Core capital (leverage) ratio | 11.0429% | 2,393 |
| Tier 1 risk-based capital ratio | 15.0616% | 3,052 |
| Total risk-based capital ratio | 16.3142% | 2,988 |
| Memoranda: | ||
| Average total assets | $217,954,000 | 2,790 |
| Average earning assets | $193,284,330 | 2,894 |
| Average equity | $35,570,670 | 2,057 |
| Average total loans | $125,125,000 | 3,009 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 4,175 |
| Cost of funding earning assets | 0.1942% | 5,254 |
| Net interest margin | 3.5454% | 3,304 |
| Noninterest income to average assets | 1.2756% | 671 |
| Noninterest expense to average assets | 2.8322% | 2,947 |
| Loan and lease loss provision to assets | 0.0129% | 3,523 |
| Net operating income to assets | 1.0824% | 1,977 |
| Return on assets (ROA) | 1.0186% | 2,315 |
| Pretax return on assets | 1.4771% | 1,669 |
| Return on Equity (ROE) | 6.2003% | 3,878 |
| Retained earnings to average equity (ytd only) | 0.5739% | 4,974 |
| Net charge-offs to loans | 0.0463% | 2,098 |
| Credit loss provision to net charge-offs | 50.0000% | 2,049 |
| Earnings coverage of net charge-offs (x) | 61.1429% | 765 |
| Efficiency ratio | 64.1541% | 4,098 |
| Assets per employee ($millions) | 4.0382% | 3,882 |
| Cash dividends to net income (ytd only)* | 90.7441% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 1,353 |
| Loan loss allowance to noncurrent loans | 1,051.2315% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 4,801 |
| Noncurrent loans to loans | 0.1623% | 4,844 |
| Net loans and leases to total assets | 55.3627% | 4,318 |
| Net loans and leases to deposits | 66.9737% | 4,158 |
| Net loans and leases to core deposits | 71.3281% | 4,122 |
| Total domestic deposits to total assets | 82.6633% | 4,017 |
| Equity capital to assets | 16.0468% | 529 |
| Core capital (leverage) ratio | 11.3749% | 2,074 |
| Tier 1 risk-based capital ratio | 15.7323% | 2,813 |
| Total risk-based capital ratio | 16.9846% | 2,748 |
| Memoranda: | ||
| Average total assets | $216,370,500 | 2,818 |
| Average earning assets | $191,569,500 | 2,915 |
| Average equity | $35,546,500 | 2,055 |
| Average total loans | $120,995,000 | 3,070 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,491 |
| Cost of funding earning assets | 0.2089% | 5,206 |
| Net interest margin | 3.4506% | 3,715 |
| Noninterest income to average assets | 1.5669% | 512 |
| Noninterest expense to average assets | 3.1421% | 2,108 |
| Loan and lease loss provision to assets | 0.0198% | 4,008 |
| Net operating income to assets | 0.9912% | 2,413 |
| Return on assets (ROA) | 0.9969% | 2,477 |
| Pretax return on assets | 1.4403% | 1,755 |
| Return on Equity (ROE) | 5.7941% | 4,134 |
| Retained earnings to average equity (ytd only) | 0.0337% | 5,492 |
| Net charge-offs to loans | 0.0676% | 2,894 |
| Credit loss provision to net charge-offs | 59.4203% | 3,273 |
| Earnings coverage of net charge-offs (x) | 43.5217% | 1,095 |
| Efficiency ratio | 67.1648% | 3,718 |
| Assets per employee ($millions) | 3.7614% | 4,356 |
| Cash dividends to net income (ytd only)* | 99.4180% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 1,078 |
| Loan loss allowance to noncurrent loans | 1,029.3269% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,532 |
| Noncurrent loans to loans | 0.1779% | 4,780 |
| Net loans and leases to total assets | 54.4787% | 4,459 |
| Net loans and leases to deposits | 67.0429% | 4,217 |
| Net loans and leases to core deposits | 71.9190% | 4,139 |
| Total domestic deposits to total assets | 81.2595% | 4,411 |
| Equity capital to assets | 16.8311% | 431 |
| Core capital (leverage) ratio | 11.5083% | 1,953 |
| Tier 1 risk-based capital ratio | 16.0457% | 2,669 |
| Total risk-based capital ratio | 17.2989% | 2,609 |
| Memoranda: | ||
| Average total assets | $206,838,400 | 2,882 |
| Average earning assets | $181,447,200 | 2,986 |
| Average equity | $35,587,800 | 2,002 |
| Average total loans | $102,137,000 | 3,350 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 4,586 |
| Cost of funding earning assets | 0.2106% | 5,287 |
| Net interest margin | 3.4346% | 3,817 |
| Noninterest income to average assets | 1.6002% | 493 |
| Noninterest expense to average assets | 3.1894% | 1,999 |
| Loan and lease loss provision to assets | 0.0233% | 3,809 |
| Net operating income to assets | 0.9696% | 2,623 |
| Return on assets (ROA) | 0.9772% | 2,669 |
| Pretax return on assets | 1.4091% | 1,977 |
| Return on Equity (ROE) | 5.6481% | 4,331 |
| Retained earnings to average equity (ytd only) | 0.2208% | 5,545 |
| Net charge-offs to loans | 0.0880% | 2,286 |
| Credit loss provision to net charge-offs | 55.3846% | 2,970 |
| Earnings coverage of net charge-offs (x) | 33.7709% | 1,382 |
| Efficiency ratio | 67.5281% | 3,625 |
| Assets per employee ($millions) | 3.8609% | 4,154 |
| Cash dividends to net income (ytd only)* | 96.0904% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0468% | 849 |
| Loan loss allowance to noncurrent loans | 490.8257% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 4,289 |
| Noncurrent loans to loans | 0.4170% | 4,106 |
| Net loans and leases to total assets | 48.2298% | 5,063 |
| Net loans and leases to deposits | 58.6193% | 4,947 |
| Net loans and leases to core deposits | 62.5279% | 4,901 |
| Total domestic deposits to total assets | 82.2763% | 4,075 |
| Equity capital to assets | 16.7998% | 459 |
| Core capital (leverage) ratio | 11.6900% | 1,895 |
| Tier 1 risk-based capital ratio | 18.1867% | 1,986 |
| Total risk-based capital ratio | 19.4426% | 1,949 |
| Memoranda: | ||
| Average total assets | $205,888,000 | 2,913 |
| Average earning assets | $180,471,250 | 3,015 |
| Average equity | $35,621,500 | 2,011 |
| Average total loans | $98,447,500 | 3,442 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 4,472 |
| Cost of funding earning assets | 0.2121% | 5,329 |
| Net interest margin | 3.4665% | 3,636 |
| Noninterest income to average assets | 1.6679% | 478 |
| Noninterest expense to average assets | 3.3082% | 1,680 |
| Loan and lease loss provision to assets | 0.0265% | 3,609 |
| Net operating income to assets | 0.9504% | 2,630 |
| Return on assets (ROA) | 0.9620% | 2,688 |
| Pretax return on assets | 1.3822% | 2,059 |
| Return on Equity (ROE) | 5.5050% | 4,368 |
| Retained earnings to average equity (ytd only) | 0.1685% | 5,449 |
| Net charge-offs to loans | 0.1743% | 1,419 |
| Credit loss provision to net charge-offs | 32.1429% | 2,903 |
| Earnings coverage of net charge-offs (x) | 16.8810% | 1,883 |
| Efficiency ratio | 67.9407% | 3,677 |
| Assets per employee ($millions) | 3.5394% | 4,721 |
| Cash dividends to net income (ytd only)* | 96.9388% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1585% | 782 |
| Loan loss allowance to noncurrent loans | 471.4286% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 4,141 |
| Noncurrent loans to loans | 0.4579% | 4,104 |
| Net loans and leases to total assets | 46.6342% | 5,204 |
| Net loans and leases to deposits | 56.9652% | 5,065 |
| Net loans and leases to core deposits | 60.6895% | 5,032 |
| Total domestic deposits to total assets | 81.8644% | 4,338 |
| Equity capital to assets | 17.3206% | 394 |
| Core capital (leverage) ratio | 11.8783% | 1,728 |
| Tier 1 risk-based capital ratio | 19.4936% | 1,671 |
| Total risk-based capital ratio | 20.7506% | 1,636 |
| Memoranda: | ||
| Average total assets | $203,734,670 | 2,959 |
| Average earning assets | $178,220,330 | 3,066 |
| Average equity | $35,604,000 | 2,019 |
| Average total loans | $96,411,670 | 3,497 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 4,458 |
| Cost of funding earning assets | 0.2146% | 5,367 |
| Net interest margin | 3.4588% | 3,589 |
| Noninterest income to average assets | 1.6299% | 470 |
| Noninterest expense to average assets | 3.1514% | 2,125 |
| Loan and lease loss provision to assets | 0.0355% | 3,194 |
| Net operating income to assets | 1.0091% | 2,224 |
| Return on assets (ROA) | 1.0091% | 2,359 |
| Pretax return on assets | 1.4604% | 1,697 |
| Return on Equity (ROE) | 5.7484% | 4,164 |
| Retained earnings to average equity (ytd only) | 0.4154% | 5,241 |
| Net charge-offs to loans | 0.2215% | 1,054 |
| Credit loss provision to net charge-offs | 33.9623% | 2,237 |
| Earnings coverage of net charge-offs (x) | 14.3208% | 1,678 |
| Efficiency ratio | 65.3520% | 4,262 |
| Assets per employee ($millions) | 3.6835% | 4,546 |
| Cash dividends to net income (ytd only)* | 92.7734% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2696% | 730 |
| Loan loss allowance to noncurrent loans | 506.8884% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 2,849 |
| Noncurrent loans to loans | 0.4478% | 4,245 |
| Net loans and leases to total assets | 44.5469% | 5,310 |
| Net loans and leases to deposits | 54.3831% | 5,164 |
| Net loans and leases to core deposits | 57.9280% | 5,126 |
| Total domestic deposits to total assets | 81.9132% | 4,536 |
| Equity capital to assets | 17.3039% | 398 |
| Core capital (leverage) ratio | 12.0045% | 1,634 |
| Tier 1 risk-based capital ratio | 19.5541% | 1,724 |
| Total risk-based capital ratio | 20.8112% | 1,679 |
| Memoranda: | ||
| Average total assets | $202,958,500 | 2,978 |
| Average earning assets | $177,054,000 | 3,092 |
| Average equity | $35,627,500 | 2,028 |
| Average total loans | $95,694,500 | 3,529 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 4,639 |
| Cost of funding earning assets | 0.2434% | 5,392 |
| Net interest margin | 3.5080% | 3,760 |
| Noninterest income to average assets | 1.4126% | 609 |
| Noninterest expense to average assets | 2.9047% | 3,138 |
| Loan and lease loss provision to assets | 0.0223% | 4,169 |
| Net operating income to assets | 1.0655% | 2,109 |
| Return on assets (ROA) | 1.0718% | 2,134 |
| Pretax return on assets | 1.5574% | 1,361 |
| Return on Equity (ROE) | 6.2226% | 4,037 |
| Retained earnings to average equity (ytd only) | 0.0393% | 5,749 |
| Net charge-offs to loans | 0.0491% | 3,844 |
| Credit loss provision to net charge-offs | 97.8723% | 2,475 |
| Earnings coverage of net charge-offs (x) | 69.0213% | 714 |
| Efficiency ratio | 62.2458% | 4,870 |
| Assets per employee ($millions) | 3.5650% | 4,786 |
| Cash dividends to net income (ytd only)* | 99.3677% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2277% | 792 |
| Loan loss allowance to noncurrent loans | 353.2573% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 2,435 |
| Noncurrent loans to loans | 0.6306% | 3,798 |
| Net loans and leases to total assets | 47.6838% | 5,183 |
| Net loans and leases to deposits | 58.5242% | 5,026 |
| Net loans and leases to core deposits | 62.6896% | 4,945 |
| Total domestic deposits to total assets | 81.4772% | 4,602 |
| Equity capital to assets | 17.8126% | 333 |
| Core capital (leverage) ratio | 11.8619% | 1,728 |
| Tier 1 risk-based capital ratio | 18.4455% | 2,004 |
| Total risk-based capital ratio | 19.7024% | 1,974 |
| Memoranda: | ||
| Average total assets | $206,563,200 | 2,916 |
| Average earning assets | $180,332,600 | 3,040 |
| Average equity | $35,579,800 | 1,966 |
| Average total loans | $95,797,000 | 3,509 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,758 |
| Cost of funding earning assets | 0.2483% | 5,428 |
| Net interest margin | 3.4864% | 3,884 |
| Noninterest income to average assets | 1.3890% | 643 |
| Noninterest expense to average assets | 2.8843% | 3,180 |
| Loan and lease loss provision to assets | 0.0224% | 3,959 |
| Net operating income to assets | 1.0529% | 2,223 |
| Return on assets (ROA) | 1.0613% | 2,258 |
| Pretax return on assets | 1.5407% | 1,509 |
| Return on Equity (ROE) | 6.2123% | 4,126 |
| Retained earnings to average equity (ytd only) | 0.0300% | 5,784 |
| Net charge-offs to loans | 0.1048% | 2,749 |
| Credit loss provision to net charge-offs | 46.6667% | 3,163 |
| Earnings coverage of net charge-offs (x) | 32.3059% | 1,307 |
| Efficiency ratio | 62.3178% | 4,842 |
| Assets per employee ($millions) | 3.5729% | 4,732 |
| Cash dividends to net income (ytd only)* | 99.5178% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2815% | 844 |
| Loan loss allowance to noncurrent loans | 531.1721% | 924 |
| Noncurrent assets plus other real estate owned to assets | 1.0380% | 2,888 |
| Noncurrent loans to loans | 0.4295% | 4,618 |
| Net loans and leases to total assets | 44.7952% | 5,471 |
| Net loans and leases to deposits | 54.7780% | 5,326 |
| Net loans and leases to core deposits | 59.2488% | 5,244 |
| Total domestic deposits to total assets | 81.7758% | 4,552 |
| Equity capital to assets | 17.4705% | 376 |
| Core capital (leverage) ratio | 11.6444% | 1,948 |
| Tier 1 risk-based capital ratio | 16.4378% | 2,838 |
| Total risk-based capital ratio | 17.5975% | 2,833 |
| Memoranda: | ||
| Average total assets | $208,294,000 | 2,919 |
| Average earning assets | $181,998,500 | 3,034 |
| Average equity | $35,584,500 | 1,979 |
| Average total loans | $95,405,000 | 3,549 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7157% | 4,810 |
| Cost of funding earning assets | 0.2549% | 5,443 |
| Net interest margin | 3.4608% | 3,933 |
| Noninterest income to average assets | 1.3324% | 680 |
| Noninterest expense to average assets | 2.8145% | 3,445 |
| Loan and lease loss provision to assets | 0.0238% | 3,801 |
| Net operating income to assets | 1.0483% | 2,124 |
| Return on assets (ROA) | 1.0608% | 2,154 |
| Pretax return on assets | 1.5402% | 1,427 |
| Return on Equity (ROE) | 6.2553% | 4,023 |
| Retained earnings to average equity (ytd only) | 0.3541% | 5,590 |
| Net charge-offs to loans | 0.0250% | 3,700 |
| Credit loss provision to net charge-offs | 208.3333% | 1,122 |
| Earnings coverage of net charge-offs (x) | 135.1667% | 447 |
| Efficiency ratio | 61.7268% | 5,047 |
| Assets per employee ($millions) | 3.5620% | 4,738 |
| Cash dividends to net income (ytd only)* | 94.3396% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2437% | 965 |
| Loan loss allowance to noncurrent loans | 271.1801% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0002% | 3,061 |
| Noncurrent loans to loans | 0.8274% | 3,636 |
| Net loans and leases to total assets | 45.2569% | 5,439 |
| Net loans and leases to deposits | 55.7052% | 5,216 |
| Net loans and leases to core deposits | 61.0270% | 5,048 |
| Total domestic deposits to total assets | 81.2435% | 4,902 |
| Equity capital to assets | 16.9850% | 415 |
| Core capital (leverage) ratio | 11.2435% | 2,210 |
| Tier 1 risk-based capital ratio | 16.3236% | 2,923 |
| Total risk-based capital ratio | 17.5763% | 2,868 |
| Memoranda: | ||
| Average total assets | $209,839,330 | 2,916 |
| Average earning assets | $183,601,670 | 3,035 |
| Average equity | $35,586,000 | 1,965 |
| Average total loans | $96,087,000 | 3,538 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 5,061 |
| Cost of funding earning assets | 0.2663% | 5,431 |
| Net interest margin | 3.3660% | 4,268 |
| Noninterest income to average assets | 1.2438% | 710 |
| Noninterest expense to average assets | 2.8024% | 3,557 |
| Loan and lease loss provision to assets | 0.0420% | 3,250 |
| Net operating income to assets | 0.9353% | 2,479 |
| Return on assets (ROA) | 0.9367% | 2,545 |
| Pretax return on assets | 1.3430% | 1,943 |
| Return on Equity (ROE) | 5.5275% | 4,266 |
| Retained earnings to average equity (ytd only) | 1.0244% | 5,186 |
| Net charge-offs to loans | 0.0168% | 3,256 |
| Credit loss provision to net charge-offs | 550.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 181.2500% | 270 |
| Efficiency ratio | 63.7192% | 4,905 |
| Assets per employee ($millions) | 3.9787% | 3,986 |
| Cash dividends to net income (ytd only)* | 81.4664% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2879% | 1,047 |
| Loan loss allowance to noncurrent loans | 334.0458% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 3,474 |
| Noncurrent loans to loans | 0.6849% | 4,155 |
| Net loans and leases to total assets | 43.4941% | 5,558 |
| Net loans and leases to deposits | 53.6857% | 5,317 |
| Net loans and leases to core deposits | 58.8253% | 5,141 |
| Total domestic deposits to total assets | 81.0161% | 5,230 |
| Equity capital to assets | 16.5623% | 451 |
| Core capital (leverage) ratio | 10.6512% | 2,761 |
| Tier 1 risk-based capital ratio | 17.9695% | 2,310 |
| Total risk-based capital ratio | 19.2273% | 2,283 |
| Memoranda: | ||
| Average total assets | $209,681,000 | 2,937 |
| Average earning assets | $183,242,500 | 3,058 |
| Average equity | $35,531,500 | 1,962 |
| Average total loans | $95,484,000 | 3,571 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 4,587 |
| Cost of funding earning assets | 0.3454% | 5,192 |
| Net interest margin | 3.5216% | 3,799 |
| Noninterest income to average assets | 1.5128% | 618 |
| Noninterest expense to average assets | 2.9346% | 3,258 |
| Loan and lease loss provision to assets | 0.0900% | 3,308 |
| Net operating income to assets | 1.0688% | 2,042 |
| Return on assets (ROA) | 1.1109% | 1,968 |
| Pretax return on assets | 1.6428% | 1,067 |
| Return on Equity (ROE) | 6.5512% | 3,801 |
| Retained earnings to average equity (ytd only) | 0.3735% | 5,679 |
| Net charge-offs to loans | 0.4680% | 1,424 |
| Credit loss provision to net charge-offs | 40.7328% | 4,032 |
| Earnings coverage of net charge-offs (x) | 7.5625% | 2,815 |
| Efficiency ratio | 60.5459% | 5,406 |
| Assets per employee ($millions) | 3.6520% | 4,583 |
| Cash dividends to net income (ytd only)* | 94.2992% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2762% | 1,070 |
| Loan loss allowance to noncurrent loans | 377.3913% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 3,594 |
| Noncurrent loans to loans | 0.6031% | 4,471 |
| Net loans and leases to total assets | 45.5538% | 5,529 |
| Net loans and leases to deposits | 55.8675% | 5,313 |
| Net loans and leases to core deposits | 61.3358% | 5,121 |
| Total domestic deposits to total assets | 81.5390% | 5,028 |
| Equity capital to assets | 17.3481% | 372 |
| Core capital (leverage) ratio | 11.3289% | 2,090 |
| Tier 1 risk-based capital ratio | 18.6453% | 2,031 |
| Total risk-based capital ratio | 19.9027% | 1,995 |
| Memoranda: | ||
| Average total assets | $210,010,400 | 2,913 |
| Average earning assets | $184,433,400 | 3,027 |
| Average equity | $35,611,800 | 1,934 |
| Average total loans | $99,139,400 | 3,465 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 4,592 |
| Cost of funding earning assets | 0.3579% | 5,215 |
| Net interest margin | 3.5181% | 3,798 |
| Noninterest income to average assets | 1.5144% | 632 |
| Noninterest expense to average assets | 2.9159% | 3,250 |
| Loan and lease loss provision to assets | 0.0978% | 3,132 |
| Net operating income to assets | 1.0764% | 2,095 |
| Return on assets (ROA) | 1.1322% | 1,948 |
| Pretax return on assets | 1.6765% | 1,151 |
| Return on Equity (ROE) | 6.7142% | 3,816 |
| Retained earnings to average equity (ytd only) | 0.5424% | 5,753 |
| Net charge-offs to loans | 0.5248% | 1,226 |
| Credit loss provision to net charge-offs | 39.3401% | 3,717 |
| Earnings coverage of net charge-offs (x) | 6.8096% | 2,903 |
| Efficiency ratio | 60.1287% | 5,412 |
| Assets per employee ($millions) | 3.6326% | 4,592 |
| Cash dividends to net income (ytd only)* | 91.9223% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 1,268 |
| Loan loss allowance to noncurrent loans | 153.5143% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.2190% | 3,204 |
| Noncurrent loans to loans | 1.4599% | 2,978 |
| Net loans and leases to total assets | 46.4744% | 5,496 |
| Net loans and leases to deposits | 57.4815% | 5,236 |
| Net loans and leases to core deposits | 63.0784% | 5,002 |
| Total domestic deposits to total assets | 80.8511% | 5,255 |
| Equity capital to assets | 17.1557% | 398 |
| Core capital (leverage) ratio | 11.2043% | 2,298 |
| Tier 1 risk-based capital ratio | 18.3438% | 2,200 |
| Total risk-based capital ratio | 19.6010% | 2,158 |
| Memoranda: | ||
| Average total assets | $211,385,000 | 2,927 |
| Average earning assets | $185,892,750 | 3,032 |
| Average equity | $35,645,000 | 1,948 |
| Average total loans | $100,091,000 | 3,470 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 4,555 |
| Cost of funding earning assets | 0.3738% | 5,194 |
| Net interest margin | 3.5042% | 3,763 |
| Noninterest income to average assets | 1.4866% | 714 |
| Noninterest expense to average assets | 2.8530% | 3,496 |
| Loan and lease loss provision to assets | 0.0959% | 3,189 |
| Net operating income to assets | 1.0941% | 1,944 |
| Return on assets (ROA) | 1.1634% | 1,800 |
| Pretax return on assets | 1.7244% | 1,059 |
| Return on Equity (ROE) | 6.9383% | 3,632 |
| Retained earnings to average equity (ytd only) | 0.7734% | 5,590 |
| Net charge-offs to loans | 0.0735% | 3,655 |
| Credit loss provision to net charge-offs | 275.6757% | 922 |
| Earnings coverage of net charge-offs (x) | 49.3784% | 810 |
| Efficiency ratio | 59.2638% | 5,573 |
| Assets per employee ($millions) | 3.5510% | 4,754 |
| Cash dividends to net income (ytd only)* | 88.8530% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4967% | 991 |
| Loan loss allowance to noncurrent loans | 147.9081% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 3,837 |
| Noncurrent loans to loans | 1.6880% | 2,784 |
| Net loans and leases to total assets | 46.7865% | 5,447 |
| Net loans and leases to deposits | 57.7063% | 5,186 |
| Net loans and leases to core deposits | 63.3391% | 4,966 |
| Total domestic deposits to total assets | 81.0770% | 5,323 |
| Equity capital to assets | 16.9565% | 419 |
| Core capital (leverage) ratio | 10.9795% | 2,376 |
| Tier 1 risk-based capital ratio | 17.7637% | 2,405 |
| Total risk-based capital ratio | 19.0237% | 2,370 |
| Memoranda: | ||
| Average total assets | $212,828,000 | 2,929 |
| Average earning assets | $187,258,670 | 3,028 |
| Average equity | $35,686,000 | 1,953 |
| Average total loans | $100,643,330 | 3,467 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 4,445 |
| Cost of funding earning assets | 0.3907% | 5,196 |
| Net interest margin | 3.5165% | 3,631 |
| Noninterest income to average assets | 1.3595% | 833 |
| Noninterest expense to average assets | 2.7750% | 3,785 |
| Loan and lease loss provision to assets | 0.1026% | 2,963 |
| Net operating income to assets | 1.0667% | 1,972 |
| Return on assets (ROA) | 1.0667% | 2,085 |
| Pretax return on assets | 1.5702% | 1,377 |
| Return on Equity (ROE) | 6.3970% | 3,825 |
| Retained earnings to average equity (ytd only) | 0.2460% | 5,705 |
| Net charge-offs to loans | 0.0437% | 3,419 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 81.5455% | 456 |
| Efficiency ratio | 59.1614% | 5,700 |
| Assets per employee ($millions) | 3.9926% | 3,966 |
| Cash dividends to net income (ytd only)* | 96.1538% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5094% | 1,106 |
| Loan loss allowance to noncurrent loans | 159.4491% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 3,923 |
| Noncurrent loans to loans | 1.5738% | 3,173 |
| Net loans and leases to total assets | 44.8513% | 5,568 |
| Net loans and leases to deposits | 55.6407% | 5,281 |
| Net loans and leases to core deposits | 60.9208% | 5,063 |
| Total domestic deposits to total assets | 80.6089% | 5,597 |
| Equity capital to assets | 16.5859% | 481 |
| Core capital (leverage) ratio | 10.2824% | 3,035 |
| Tier 1 risk-based capital ratio | 16.3433% | 3,086 |
| Total risk-based capital ratio | 17.6026% | 3,030 |
| Memoranda: | ||
| Average total assets | $214,488,500 | 2,934 |
| Average earning assets | $188,371,500 | 3,035 |
| Average equity | $35,766,500 | 1,973 |
| Average total loans | $100,699,500 | 3,486 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 4,210 |
| Cost of funding earning assets | 0.5042% | 5,190 |
| Net interest margin | 3.7908% | 3,267 |
| Noninterest income to average assets | 1.4859% | 716 |
| Noninterest expense to average assets | 2.9034% | 3,624 |
| Loan and lease loss provision to assets | 0.2833% | 2,389 |
| Net operating income to assets | 1.1049% | 1,920 |
| Return on assets (ROA) | 1.1053% | 2,100 |
| Pretax return on assets | 1.6282% | 1,311 |
| Return on Equity (ROE) | 6.5104% | 3,908 |
| Retained earnings to average equity (ytd only) | -0.1985% | 5,885 |
| Net charge-offs to loans | 0.9622% | 1,147 |
| Credit loss provision to net charge-offs | 59.5808% | 4,459 |
| Earnings coverage of net charge-offs (x) | 4.0190% | 3,512 |
| Efficiency ratio | 57.2794% | 5,923 |
| Assets per employee ($millions) | 4.0260% | 3,895 |
| Cash dividends to net income (ytd only)* | 103.0485% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3921% | 1,243 |
| Loan loss allowance to noncurrent loans | 294.9337% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 4,825 |
| Noncurrent loans to loans | 0.8111% | 4,562 |
| Net loans and leases to total assets | 46.7555% | 5,541 |
| Net loans and leases to deposits | 58.0146% | 5,237 |
| Net loans and leases to core deposits | 63.5303% | 5,011 |
| Total domestic deposits to total assets | 80.5927% | 5,512 |
| Equity capital to assets | 16.7656% | 442 |
| Core capital (leverage) ratio | 10.7358% | 2,510 |
| Tier 1 risk-based capital ratio | 16.6209% | 2,831 |
| Total risk-based capital ratio | 17.8794% | 2,801 |
| Memoranda: | ||
| Average total assets | $210,717,600 | 2,917 |
| Average earning assets | $185,028,200 | 3,029 |
| Average equity | $35,773,400 | 1,934 |
| Average total loans | $104,137,000 | 3,425 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 4,205 |
| Cost of funding earning assets | 0.5234% | 5,285 |
| Net interest margin | 3.8369% | 3,178 |
| Noninterest income to average assets | 1.4796% | 683 |
| Noninterest expense to average assets | 2.9243% | 3,504 |
| Loan and lease loss provision to assets | 0.2704% | 2,410 |
| Net operating income to assets | 1.1237% | 2,010 |
| Return on assets (ROA) | 1.1241% | 2,205 |
| Pretax return on assets | 1.6592% | 1,392 |
| Return on Equity (ROE) | 6.6007% | 4,014 |
| Retained earnings to average equity (ytd only) | -0.1081% | 6,101 |
| Net charge-offs to loans | 1.0973% | 929 |
| Credit loss provision to net charge-offs | 49.4774% | 4,417 |
| Earnings coverage of net charge-offs (x) | 3.5296% | 3,607 |
| Efficiency ratio | 57.2456% | 5,888 |
| Assets per employee ($millions) | 3.9584% | 3,958 |
| Cash dividends to net income (ytd only)* | 101.6377% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4099% | 1,342 |
| Loan loss allowance to noncurrent loans | 238.8724% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8637% | 4,565 |
| Noncurrent loans to loans | 1.0089% | 4,435 |
| Net loans and leases to total assets | 46.6143% | 5,697 |
| Net loans and leases to deposits | 57.8843% | 5,442 |
| Net loans and leases to core deposits | 63.6053% | 5,199 |
| Total domestic deposits to total assets | 80.5301% | 5,504 |
| Equity capital to assets | 17.1004% | 443 |
| Core capital (leverage) ratio | 10.8657% | 2,528 |
| Tier 1 risk-based capital ratio | 16.7761% | 2,856 |
| Total risk-based capital ratio | 18.0349% | 2,806 |
| Memoranda: | ||
| Average total assets | $210,052,500 | 2,959 |
| Average earning assets | $184,692,500 | 3,059 |
| Average equity | $35,773,250 | 1,950 |
| Average total loans | $104,618,500 | 3,442 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 3,977 |
| Cost of funding earning assets | 0.5444% | 5,336 |
| Net interest margin | 3.9058% | 2,881 |
| Noninterest income to average assets | 1.4571% | 686 |
| Noninterest expense to average assets | 2.9086% | 3,584 |
| Loan and lease loss provision to assets | 0.2931% | 2,235 |
| Net operating income to assets | 1.1424% | 1,903 |
| Return on assets (ROA) | 1.1431% | 2,120 |
| Pretax return on assets | 1.6913% | 1,281 |
| Return on Equity (ROE) | 6.7209% | 3,931 |
| Retained earnings to average equity (ytd only) | 0.0056% | 6,030 |
| Net charge-offs to loans | 1.8230% | 485 |
| Credit loss provision to net charge-offs | 31.8511% | 4,411 |
| Earnings coverage of net charge-offs (x) | 2.1551% | 3,905 |
| Efficiency ratio | 56.4591% | 6,066 |
| Assets per employee ($millions) | 3.8930% | 4,094 |
| Cash dividends to net income (ytd only)* | 99.9167% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0990% | 2,005 |
| Loan loss allowance to noncurrent loans | 194.2376% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.9071% | 4,556 |
| Noncurrent loans to loans | 1.0806% | 4,359 |
| Net loans and leases to total assets | 48.6120% | 5,546 |
| Net loans and leases to deposits | 60.2346% | 5,224 |
| Net loans and leases to core deposits | 66.1685% | 4,982 |
| Total domestic deposits to total assets | 80.7044% | 5,556 |
| Equity capital to assets | 17.0266% | 441 |
| Core capital (leverage) ratio | 10.7234% | 2,573 |
| Tier 1 risk-based capital ratio | 16.0727% | 3,130 |
| Total risk-based capital ratio | 17.3281% | 3,094 |
| Memoranda: | ||
| Average total assets | $210,138,000 | 2,967 |
| Average earning assets | $184,800,330 | 3,061 |
| Average equity | $35,739,000 | 1,939 |
| Average total loans | $106,088,000 | 3,427 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 4,021 |
| Cost of funding earning assets | 0.5731% | 5,335 |
| Net interest margin | 3.8993% | 2,925 |
| Noninterest income to average assets | 1.4089% | 729 |
| Noninterest expense to average assets | 2.8977% | 3,633 |
| Loan and lease loss provision to assets | 0.2646% | 2,341 |
| Net operating income to assets | 1.1385% | 1,926 |
| Return on assets (ROA) | 1.1385% | 2,113 |
| Pretax return on assets | 1.6792% | 1,361 |
| Return on Equity (ROE) | 6.6981% | 3,948 |
| Retained earnings to average equity (ytd only) | -0.0224% | 5,988 |
| Net charge-offs to loans | 3.5796% | 180 |
| Credit loss provision to net charge-offs | 14.5246% | 3,844 |
| Earnings coverage of net charge-offs (x) | 1.0669% | 3,795 |
| Efficiency ratio | 56.8227% | 6,041 |
| Assets per employee ($millions) | 3.9280% | 4,151 |
| Cash dividends to net income (ytd only)* | 100.3344% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 2,508 |
| Loan loss allowance to noncurrent loans | 72.2104% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.7307% | 3,263 |
| Noncurrent loans to loans | 2.7053% | 2,411 |
| Net loans and leases to total assets | 48.0814% | 5,543 |
| Net loans and leases to deposits | 59.8066% | 5,175 |
| Net loans and leases to core deposits | 65.9709% | 4,913 |
| Total domestic deposits to total assets | 80.3949% | 5,751 |
| Equity capital to assets | 16.8500% | 450 |
| Core capital (leverage) ratio | 10.3163% | 2,978 |
| Tier 1 risk-based capital ratio | 16.0347% | 3,159 |
| Total risk-based capital ratio | 17.2897% | 3,122 |
| Memoranda: | ||
| Average total assets | $210,095,000 | 2,989 |
| Average earning assets | $184,954,000 | 3,080 |
| Average equity | $35,711,500 | 1,947 |
| Average total loans | $106,939,500 | 3,433 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 3,940 |
| Cost of funding earning assets | 0.7002% | 5,541 |
| Net interest margin | 4.0699% | 2,568 |
| Noninterest income to average assets | 1.3114% | 752 |
| Noninterest expense to average assets | 2.8679% | 4,092 |
| Loan and lease loss provision to assets | 0.2734% | 3,485 |
| Net operating income to assets | 1.1668% | 1,621 |
| Return on assets (ROA) | 1.1671% | 1,724 |
| Pretax return on assets | 1.7509% | 894 |
| Return on Equity (ROE) | 6.8237% | 3,478 |
| Retained earnings to average equity (ytd only) | -2.3041% | 6,189 |
| Net charge-offs to loans | 0.3192% | 3,795 |
| Credit loss provision to net charge-offs | 161.9048% | 1,702 |
| Earnings coverage of net charge-offs (x) | 11.9832% | 1,662 |
| Efficiency ratio | 55.6576% | 6,357 |
| Assets per employee ($millions) | 3.3561% | 5,359 |
| Cash dividends to net income (ytd only)* | 133.7657% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5942% | 1,202 |
| Loan loss allowance to noncurrent loans | 340.5018% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 5,102 |
| Noncurrent loans to loans | 0.7619% | 5,170 |
| Net loans and leases to total assets | 51.4281% | 5,399 |
| Net loans and leases to deposits | 63.9175% | 5,026 |
| Net loans and leases to core deposits | 71.0954% | 4,637 |
| Total domestic deposits to total assets | 80.4601% | 5,607 |
| Equity capital to assets | 17.1485% | 434 |
| Core capital (leverage) ratio | 10.5689% | 2,642 |
| Tier 1 risk-based capital ratio | 16.2324% | 2,938 |
| Total risk-based capital ratio | 17.4950% | 2,900 |
| Memoranda: | ||
| Average total assets | $211,375,600 | 2,927 |
| Average earning assets | $185,950,400 | 3,019 |
| Average equity | $36,153,400 | 1,880 |
| Average total loans | $111,848,200 | 3,337 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 4,051 |
| Cost of funding earning assets | 0.7198% | 5,652 |
| Net interest margin | 4.0722% | 2,585 |
| Noninterest income to average assets | 1.1938% | 926 |
| Noninterest expense to average assets | 2.8796% | 4,013 |
| Loan and lease loss provision to assets | 0.1571% | 4,503 |
| Net operating income to assets | 1.1570% | 1,789 |
| Return on assets (ROA) | 1.1574% | 1,903 |
| Pretax return on assets | 1.7411% | 1,060 |
| Return on Equity (ROE) | 6.7710% | 3,625 |
| Retained earnings to average equity (ytd only) | 0.1544% | 5,915 |
| Net charge-offs to loans | 0.3857% | 3,190 |
| Credit loss provision to net charge-offs | 76.9231% | 4,241 |
| Earnings coverage of net charge-offs (x) | 9.2924% | 2,069 |
| Efficiency ratio | 57.2537% | 6,109 |
| Assets per employee ($millions) | 3.3800% | 5,299 |
| Cash dividends to net income (ytd only)* | 97.7198% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2812% | 1,725 |
| Loan loss allowance to noncurrent loans | 373.3918% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 4,995 |
| Noncurrent loans to loans | 0.6109% | 5,670 |
| Net loans and leases to total assets | 52.2077% | 5,419 |
| Net loans and leases to deposits | 65.0471% | 5,042 |
| Net loans and leases to core deposits | 72.8358% | 4,601 |
| Total domestic deposits to total assets | 80.2614% | 5,656 |
| Equity capital to assets | 17.4419% | 444 |
| Core capital (leverage) ratio | 10.5439% | 2,818 |
| Tier 1 risk-based capital ratio | 15.8569% | 3,190 |
| Total risk-based capital ratio | 17.1158% | 3,141 |
| Memoranda: | ||
| Average total assets | $212,200,250 | 2,928 |
| Average earning assets | $186,725,250 | 3,015 |
| Average equity | $36,271,250 | 1,863 |
| Average total loans | $112,345,250 | 3,366 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 4,278 |
| Cost of funding earning assets | 0.7409% | 5,729 |
| Net interest margin | 4.0127% | 2,778 |
| Noninterest income to average assets | 1.1451% | 980 |
| Noninterest expense to average assets | 2.9181% | 3,950 |
| Loan and lease loss provision to assets | 0.1408% | 4,549 |
| Net operating income to assets | 1.0741% | 1,958 |
| Return on assets (ROA) | 1.0747% | 2,049 |
| Pretax return on assets | 1.6200% | 1,218 |
| Return on Equity (ROE) | 6.3298% | 3,778 |
| Retained earnings to average equity (ytd only) | -0.3041% | 5,909 |
| Net charge-offs to loans | 0.1992% | 3,953 |
| Credit loss provision to net charge-offs | 133.9286% | 2,281 |
| Earnings coverage of net charge-offs (x) | 16.7411% | 1,324 |
| Efficiency ratio | 59.2897% | 5,982 |
| Assets per employee ($millions) | 3.7036% | 4,438 |
| Cash dividends to net income (ytd only)* | 104.8035% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3823% | 1,619 |
| Loan loss allowance to noncurrent loans | 167.7358% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 5,134 |
| Noncurrent loans to loans | 1.4203% | 4,290 |
| Net loans and leases to total assets | 51.7671% | 5,605 |
| Net loans and leases to deposits | 64.4264% | 5,224 |
| Net loans and leases to core deposits | 72.5836% | 4,750 |
| Total domestic deposits to total assets | 80.3507% | 5,727 |
| Equity capital to assets | 17.2126% | 466 |
| Core capital (leverage) ratio | 10.1832% | 3,047 |
| Tier 1 risk-based capital ratio | 15.0871% | 3,453 |
| Total risk-based capital ratio | 16.3460% | 3,415 |
| Memoranda: | ||
| Average total assets | $213,080,670 | 2,934 |
| Average earning assets | $187,606,330 | 3,036 |
| Average equity | $36,178,000 | 1,849 |
| Average total loans | $112,473,670 | 3,401 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 4,353 |
| Cost of funding earning assets | 0.7605% | 5,799 |
| Net interest margin | 3.9748% | 2,800 |
| Noninterest income to average assets | 1.0875% | 1,108 |
| Noninterest expense to average assets | 2.9094% | 4,024 |
| Loan and lease loss provision to assets | 0.1233% | 4,460 |
| Net operating income to assets | 1.0240% | 2,096 |
| Return on assets (ROA) | 1.0240% | 2,145 |
| Pretax return on assets | 1.5509% | 1,298 |
| Return on Equity (ROE) | 6.0723% | 3,867 |
| Retained earnings to average equity (ytd only) | -0.5762% | 5,904 |
| Net charge-offs to loans | 0.2909% | 2,889 |
| Credit loss provision to net charge-offs | 80.4878% | 3,147 |
| Earnings coverage of net charge-offs (x) | 10.9268% | 1,597 |
| Efficiency ratio | 60.3343% | 5,938 |
| Assets per employee ($millions) | 3.9043% | 4,066 |
| Cash dividends to net income (ytd only)* | 109.4891% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3556% | 1,669 |
| Loan loss allowance to noncurrent loans | 416.7464% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 6,102 |
| Noncurrent loans to loans | 0.5652% | 5,895 |
| Net loans and leases to total assets | 49.5406% | 5,902 |
| Net loans and leases to deposits | 61.8524% | 5,518 |
| Net loans and leases to core deposits | 69.4930% | 5,114 |
| Total domestic deposits to total assets | 80.0948% | 5,925 |
| Equity capital to assets | 16.4983% | 499 |
| Core capital (leverage) ratio | 10.2436% | 2,872 |
| Tier 1 risk-based capital ratio | 15.7615% | 3,017 |
| Total risk-based capital ratio | 17.0212% | 2,973 |
| Memoranda: | ||
| Average total assets | $214,067,500 | 2,950 |
| Average earning assets | $188,286,500 | 3,036 |
| Average equity | $36,098,500 | 1,830 |
| Average total loans | $112,735,000 | 3,422 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 3,069 |
| Cost of funding earning assets | 0.9469% | 5,949 |
| Net interest margin | 4.3651% | 1,600 |
| Noninterest income to average assets | 1.3530% | 801 |
| Noninterest expense to average assets | 2.9768% | 3,937 |
| Loan and lease loss provision to assets | 0.1817% | 5,402 |
| Net operating income to assets | 1.2710% | 1,245 |
| Return on assets (ROA) | 1.2710% | 1,310 |
| Pretax return on assets | 1.9762% | 511 |
| Return on Equity (ROE) | 7.2606% | 2,999 |
| Retained earnings to average equity (ytd only) | 0.3084% | 5,429 |
| Net charge-offs to loans | 0.1244% | 5,648 |
| Credit loss provision to net charge-offs | 261.8056% | 1,076 |
| Earnings coverage of net charge-offs (x) | 31.0903% | 709 |
| Efficiency ratio | 55.0925% | 6,703 |
| Assets per employee ($millions) | 3.8090% | 4,234 |
| Cash dividends to net income (ytd only)* | 95.7527% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2952% | 1,701 |
| Loan loss allowance to noncurrent loans | 225.4717% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 5,511 |
| Noncurrent loans to loans | 1.0180% | 5,035 |
| Net loans and leases to total assets | 53.4201% | 5,711 |
| Net loans and leases to deposits | 67.4412% | 5,179 |
| Net loans and leases to core deposits | 75.8602% | 4,737 |
| Total domestic deposits to total assets | 79.2099% | 6,027 |
| Equity capital to assets | 17.2439% | 430 |
| Core capital (leverage) ratio | 10.5639% | 2,494 |
| Tier 1 risk-based capital ratio | 16.2106% | 2,653 |
| Total risk-based capital ratio | 17.4704% | 2,606 |
| Memoranda: | ||
| Average total assets | $207,468,800 | 3,007 |
| Average earning assets | $179,743,000 | 3,125 |
| Average equity | $36,319,200 | 1,823 |
| Average total loans | $115,729,600 | 3,410 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 2,965 |
| Cost of funding earning assets | 0.9777% | 6,045 |
| Net interest margin | 4.4032% | 1,515 |
| Noninterest income to average assets | 1.3245% | 777 |
| Noninterest expense to average assets | 3.0169% | 3,683 |
| Loan and lease loss provision to assets | 0.1514% | 5,530 |
| Net operating income to assets | 1.2601% | 1,442 |
| Return on assets (ROA) | 1.2601% | 1,521 |
| Pretax return on assets | 1.9629% | 675 |
| Return on Equity (ROE) | 7.1710% | 3,274 |
| Retained earnings to average equity (ytd only) | 0.8469% | 5,465 |
| Net charge-offs to loans | 0.0988% | 5,541 |
| Credit loss provision to net charge-offs | 273.2558% | 1,200 |
| Earnings coverage of net charge-offs (x) | 38.1641% | 714 |
| Efficiency ratio | 55.9071% | 6,570 |
| Assets per employee ($millions) | 3.8763% | 4,085 |
| Cash dividends to net income (ytd only)* | 88.1903% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1857% | 1,834 |
| Loan loss allowance to noncurrent loans | 219.0189% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 5,556 |
| Noncurrent loans to loans | 0.9980% | 5,240 |
| Net loans and leases to total assets | 54.4107% | 5,785 |
| Net loans and leases to deposits | 69.2100% | 5,245 |
| Net loans and leases to core deposits | 76.6815% | 4,965 |
| Total domestic deposits to total assets | 78.6168% | 6,114 |
| Equity capital to assets | 17.4967% | 461 |
| Core capital (leverage) ratio | 10.9269% | 2,315 |
| Tier 1 risk-based capital ratio | 16.2099% | 2,665 |
| Total risk-based capital ratio | 17.4694% | 2,616 |
| Memoranda: | ||
| Average total assets | $206,962,500 | 3,052 |
| Average earning assets | $178,925,750 | 3,175 |
| Average equity | $36,367,750 | 1,840 |
| Average total loans | $116,026,750 | 3,443 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 2,801 |
| Cost of funding earning assets | 1.0351% | 5,985 |
| Net interest margin | 4.4050% | 1,431 |
| Noninterest income to average assets | 1.2640% | 806 |
| Noninterest expense to average assets | 2.9761% | 3,802 |
| Loan and lease loss provision to assets | 0.1649% | 5,242 |
| Net operating income to assets | 1.2281% | 1,490 |
| Return on assets (ROA) | 1.2281% | 1,552 |
| Pretax return on assets | 1.9168% | 717 |
| Return on Equity (ROE) | 6.9786% | 3,310 |
| Retained earnings to average equity (ytd only) | 0.6394% | 5,510 |
| Net charge-offs to loans | 0.1001% | 5,147 |
| Credit loss provision to net charge-offs | 293.1034% | 1,268 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 780 |
| Efficiency ratio | 55.8880% | 6,648 |
| Assets per employee ($millions) | 3.5674% | 4,761 |
| Cash dividends to net income (ytd only)* | 90.8373% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 1,829 |
| Loan loss allowance to noncurrent loans | 305.8537% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 5,857 |
| Noncurrent loans to loans | 0.7091% | 5,832 |
| Net loans and leases to total assets | 54.6763% | 5,886 |
| Net loans and leases to deposits | 68.5680% | 5,483 |
| Net loans and leases to core deposits | 76.1837% | 5,173 |
| Total domestic deposits to total assets | 79.7402% | 5,808 |
| Equity capital to assets | 17.6016% | 458 |
| Core capital (leverage) ratio | 10.8871% | 2,337 |
| Tier 1 risk-based capital ratio | 16.4798% | 2,479 |
| Total risk-based capital ratio | 17.7393% | 2,425 |
| Memoranda: | ||
| Average total assets | $206,177,000 | 3,092 |
| Average earning assets | $177,571,000 | 3,222 |
| Average equity | $36,282,330 | 1,838 |
| Average total loans | $115,890,000 | 3,482 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5465% | 2,377 |
| Cost of funding earning assets | 1.1238% | 5,781 |
| Net interest margin | 4.4227% | 1,329 |
| Noninterest income to average assets | 1.2711% | 751 |
| Noninterest expense to average assets | 2.9561% | 3,832 |
| Loan and lease loss provision to assets | 0.1633% | 4,894 |
| Net operating income to assets | 1.2419% | 1,426 |
| Return on assets (ROA) | 1.2419% | 1,498 |
| Pretax return on assets | 1.9455% | 671 |
| Return on Equity (ROE) | 7.0580% | 3,316 |
| Retained earnings to average equity (ytd only) | 0.7069% | 5,540 |
| Net charge-offs to loans | 0.1379% | 4,116 |
| Credit loss provision to net charge-offs | 210.0000% | 1,772 |
| Earnings coverage of net charge-offs (x) | 27.1250% | 941 |
| Efficiency ratio | 55.4106% | 6,838 |
| Assets per employee ($millions) | 3.6208% | 4,771 |
| Cash dividends to net income (ytd only)* | 89.9844% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1399% | 1,871 |
| Loan loss allowance to noncurrent loans | 160.5263% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 5,361 |
| Noncurrent loans to loans | 1.3331% | 4,751 |
| Net loans and leases to total assets | 54.0659% | 6,015 |
| Net loans and leases to deposits | 66.9792% | 5,711 |
| Net loans and leases to core deposits | 74.9575% | 5,393 |
| Total domestic deposits to total assets | 80.7205% | 5,553 |
| Equity capital to assets | 17.5584% | 463 |
| Core capital (leverage) ratio | 10.9750% | 2,247 |
| Tier 1 risk-based capital ratio | 17.7340% | 2,011 |
| Total risk-based capital ratio | 18.9952% | 1,980 |
| Memoranda: | ||
| Average total assets | $205,812,000 | 3,147 |
| Average earning assets | $176,543,500 | 3,301 |
| Average equity | $36,214,000 | 1,853 |
| Average total loans | $116,016,500 | 3,540 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9098% | 2,189 |
| Cost of funding earning assets | 1.5566% | 5,247 |
| Net interest margin | 4.3532% | 1,563 |
| Noninterest income to average assets | 1.2251% | 1,015 |
| Noninterest expense to average assets | 3.0435% | 3,972 |
| Loan and lease loss provision to assets | 0.1784% | 5,914 |
| Net operating income to assets | 1.1416% | 1,408 |
| Return on assets (ROA) | 1.1416% | 1,432 |
| Pretax return on assets | 1.7806% | 660 |
| Return on Equity (ROE) | 6.6873% | 2,914 |
| Retained earnings to average equity (ytd only) | 0.3290% | 4,725 |
| Net charge-offs to loans | 0.2004% | 5,392 |
| Credit loss provision to net charge-offs | 151.2000% | 3,049 |
| Earnings coverage of net charge-offs (x) | 16.6040% | 1,246 |
| Efficiency ratio | 57.9434% | 6,767 |
| Assets per employee ($millions) | 3.5386% | 4,926 |
| Cash dividends to net income (ytd only)* | 95.0806% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 1,954 |
| Loan loss allowance to noncurrent loans | 182.3440% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 5,493 |
| Noncurrent loans to loans | 1.1135% | 5,101 |
| Net loans and leases to total assets | 56.3309% | 5,904 |
| Net loans and leases to deposits | 68.9568% | 5,731 |
| Net loans and leases to core deposits | 87.4432% | 5,389 |
| Total domestic deposits to total assets | 81.6901% | 5,064 |
| Equity capital to assets | 17.6331% | 482 |
| Core capital (leverage) ratio | 10.5898% | 2,513 |
| Tier 1 risk-based capital ratio | 15.2528% | 2,823 |
| Total risk-based capital ratio | 16.5102% | 2,777 |
| Memoranda: | ||
| Average total assets | $211,894,000 | 3,042 |
| Average earning assets | $183,863,200 | 3,169 |
| Average equity | $36,172,800 | 1,864 |
| Average total loans | $124,780,600 | 3,384 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9448% | 2,253 |
| Cost of funding earning assets | 1.6216% | 5,300 |
| Net interest margin | 4.3232% | 1,666 |
| Noninterest income to average assets | 1.2437% | 999 |
| Noninterest expense to average assets | 3.0948% | 3,664 |
| Loan and lease loss provision to assets | 0.1729% | 5,631 |
| Net operating income to assets | 1.1175% | 1,681 |
| Return on assets (ROA) | 1.1175% | 1,746 |
| Pretax return on assets | 1.7425% | 896 |
| Return on Equity (ROE) | 6.5986% | 3,259 |
| Retained earnings to average equity (ytd only) | 0.2396% | 5,101 |
| Net charge-offs to loans | 0.2087% | 4,730 |
| Credit loss provision to net charge-offs | 139.8990% | 3,523 |
| Earnings coverage of net charge-offs (x) | 15.4951% | 1,531 |
| Efficiency ratio | 58.9034% | 6,575 |
| Assets per employee ($millions) | 3.6792% | 4,481 |
| Cash dividends to net income (ytd only)* | 96.3685% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 1,939 |
| Loan loss allowance to noncurrent loans | 184.0784% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 5,619 |
| Noncurrent loans to loans | 1.0524% | 5,215 |
| Net loans and leases to total assets | 55.6719% | 6,178 |
| Net loans and leases to deposits | 67.9169% | 6,131 |
| Net loans and leases to core deposits | 88.1987% | 5,624 |
| Total domestic deposits to total assets | 81.9705% | 4,691 |
| Equity capital to assets | 16.9995% | 635 |
| Core capital (leverage) ratio | 10.1386% | 3,131 |
| Tier 1 risk-based capital ratio | 16.3753% | 2,483 |
| Total risk-based capital ratio | 17.6337% | 2,419 |
| Memoranda: | ||
| Average total assets | $213,557,750 | 3,046 |
| Average earning assets | $186,061,250 | 3,166 |
| Average equity | $36,168,500 | 1,878 |
| Average total loans | $126,473,500 | 3,372 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0226% | 2,089 |
| Cost of funding earning assets | 1.6871% | 5,336 |
| Net interest margin | 4.3355% | 1,562 |
| Noninterest income to average assets | 1.1984% | 1,088 |
| Noninterest expense to average assets | 3.1356% | 3,557 |
| Loan and lease loss provision to assets | 0.1629% | 5,434 |
| Net operating income to assets | 1.0730% | 1,863 |
| Return on assets (ROA) | 1.0730% | 1,943 |
| Pretax return on assets | 1.6703% | 1,076 |
| Return on Equity (ROE) | 6.3433% | 3,505 |
| Retained earnings to average equity (ytd only) | -0.0221% | 5,217 |
| Net charge-offs to loans | 0.2292% | 4,065 |
| Credit loss provision to net charge-offs | 118.3673% | 3,927 |
| Earnings coverage of net charge-offs (x) | 13.3197% | 1,750 |
| Efficiency ratio | 60.2035% | 6,516 |
| Assets per employee ($millions) | 3.3159% | 5,276 |
| Cash dividends to net income (ytd only)* | 100.3490% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 2,032 |
| Loan loss allowance to noncurrent loans | 93.7883% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 4,348 |
| Noncurrent loans to loans | 1.9243% | 3,637 |
| Net loans and leases to total assets | 57.9354% | 5,973 |
| Net loans and leases to deposits | 70.4300% | 5,935 |
| Net loans and leases to core deposits | 92.5128% | 5,294 |
| Total domestic deposits to total assets | 82.2595% | 4,588 |
| Equity capital to assets | 16.7564% | 700 |
| Core capital (leverage) ratio | 9.8577% | 3,444 |
| Tier 1 risk-based capital ratio | 15.7099% | 2,727 |
| Total risk-based capital ratio | 16.9670% | 2,659 |
| Memoranda: | ||
| Average total assets | $213,612,000 | 3,061 |
| Average earning assets | $185,767,330 | 3,194 |
| Average equity | $36,132,670 | 1,888 |
| Average total loans | $128,248,670 | 3,373 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1465% | 1,777 |
| Cost of funding earning assets | 1.7667% | 5,286 |
| Net interest margin | 4.3798% | 1,395 |
| Noninterest income to average assets | 1.1512% | 1,114 |
| Noninterest expense to average assets | 3.0360% | 3,603 |
| Loan and lease loss provision to assets | 0.1486% | 5,036 |
| Net operating income to assets | 1.1267% | 1,873 |
| Return on assets (ROA) | 1.1267% | 1,998 |
| Pretax return on assets | 1.7625% | 1,054 |
| Return on Equity (ROE) | 6.6296% | 3,761 |
| Retained earnings to average equity (ytd only) | 0.2656% | 5,549 |
| Net charge-offs to loans | 0.1242% | 3,972 |
| Credit loss provision to net charge-offs | 197.5000% | 2,245 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,207 |
| Efficiency ratio | 58.4411% | 6,630 |
| Assets per employee ($millions) | 3.3295% | 5,254 |
| Cash dividends to net income (ytd only)* | 95.9933% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 1,833 |
| Loan loss allowance to noncurrent loans | 97.4651% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 3,988 |
| Noncurrent loans to loans | 1.8543% | 3,484 |
| Net loans and leases to total assets | 57.9178% | 5,952 |
| Net loans and leases to deposits | 71.1260% | 5,852 |
| Net loans and leases to core deposits | 94.2316% | 5,135 |
| Total domestic deposits to total assets | 81.4298% | 4,776 |
| Equity capital to assets | 16.7011% | 767 |
| Core capital (leverage) ratio | 10.0329% | 3,377 |
| Tier 1 risk-based capital ratio | 15.0935% | 3,018 |
| Total risk-based capital ratio | 16.3500% | 2,955 |
| Memoranda: | ||
| Average total assets | $212,650,500 | 3,089 |
| Average earning assets | $184,300,000 | 3,234 |
| Average equity | $36,141,000 | 1,895 |
| Average total loans | $128,790,000 | 3,393 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8846% | 1,445 |
| Cost of funding earning assets | 2.3158% | 5,081 |
| Net interest margin | 4.5688% | 1,259 |
| Noninterest income to average assets | 1.3205% | 836 |
| Noninterest expense to average assets | 3.1290% | 3,589 |
| Loan and lease loss provision to assets | 0.1381% | 5,592 |
| Net operating income to assets | 1.3329% | 1,390 |
| Return on assets (ROA) | 1.3329% | 1,347 |
| Pretax return on assets | 2.0892% | 495 |
| Return on Equity (ROE) | 9.7218% | 2,350 |
| Retained earnings to average equity (ytd only) | 0.4562% | 4,971 |
| Net charge-offs to loans | 0.1271% | 4,968 |
| Credit loss provision to net charge-offs | 181.1966% | 2,773 |
| Earnings coverage of net charge-offs (x) | 29.2222% | 1,190 |
| Efficiency ratio | 56.1056% | 6,991 |
| Assets per employee ($millions) | 3.2638% | 5,305 |
| Cash dividends to net income (ytd only)* | 95.3079% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 1,778 |
| Loan loss allowance to noncurrent loans | 97.0060% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.3419% | 3,531 |
| Noncurrent loans to loans | 1.7994% | 3,056 |
| Net loans and leases to total assets | 61.1157% | 5,752 |
| Net loans and leases to deposits | 75.3958% | 5,671 |
| Net loans and leases to core deposits | 98.5213% | 4,986 |
| Total domestic deposits to total assets | 81.0598% | 4,613 |
| Equity capital to assets | 17.3005% | 745 |
| Core capital (leverage) ratio | 10.1686% | 3,302 |
| Tier 1 risk-based capital ratio | 13.8412% | 3,626 |
| Total risk-based capital ratio | 15.0964% | 3,541 |
| Memoranda: | ||
| Average total assets | $153,500,800 | 3,835 |
| Average earning assets | $135,593,000 | 3,943 |
| Average equity | $21,045,400 | 3,093 |
| Average total loans | $92,030,400 | 4,159 |