Home > CHARTER WEST BANK > Performance and Condition Ratios
CHARTER WEST BANK, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7249% | 542 |
| Cost of funding earning assets | 2.7396% | 787 |
| Net interest margin | 3.9853% | 1,207 |
| Noninterest income to average assets | 2.8500% | 200 |
| Noninterest expense to average assets | 5.1164% | 226 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.2763% | 1,345 |
| Return on assets (ROA) | 1.2763% | 1,351 |
| Pretax return on assets | 1.3057% | 1,735 |
| Return on Equity (ROE) | 14.6700% | 1,000 |
| Retained earnings to average equity (ytd only) | 9.5966% | 660 |
| Net charge-offs to loans | 0.0285% | 2,006 |
| Credit loss provision to net charge-offs | 352.9412% | 789 |
| Earnings coverage of net charge-offs (x) | 62.0392% | 1,080 |
| Efficiency ratio | 78.7729% | 1,141 |
| Assets per employee ($millions) | 3.2264% | 4,263 |
| Cash dividends to net income (ytd only)* | 34.5681% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 1,933 |
| Loan loss allowance to noncurrent loans | 342.1794% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 2,079 |
| Noncurrent loans to loans | 0.3643% | 2,166 |
| Net loans and leases to total assets | 78.1700% | 881 |
| Net loans and leases to deposits | 88.2924% | 1,372 |
| Net loans and leases to core deposits | 100.3177% | 1,428 |
| Total domestic deposits to total assets | 88.5400% | 1,315 |
| Equity capital to assets | 8.9318% | 2,867 |
| Core capital (leverage) ratio | 9.4310% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $458,977,600 | 1,870 |
| Average earning assets | $419,515,200 | 1,887 |
| Average equity | $39,941,200 | 1,982 |
| Average total loans | $357,695,400 | 1,659 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6639% | 563 |
| Cost of funding earning assets | 2.7424% | 783 |
| Net interest margin | 3.9216% | 1,268 |
| Noninterest income to average assets | 2.8600% | 192 |
| Noninterest expense to average assets | 5.0796% | 226 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.2806% | 1,349 |
| Return on assets (ROA) | 1.2806% | 1,343 |
| Pretax return on assets | 1.3022% | 1,763 |
| Return on Equity (ROE) | 14.8200% | 989 |
| Retained earnings to average equity (ytd only) | 10.8473% | 679 |
| Net charge-offs to loans | 0.0372% | 1,593 |
| Credit loss provision to net charge-offs | 272.7273% | 895 |
| Earnings coverage of net charge-offs (x) | 47.5354% | 1,230 |
| Efficiency ratio | 78.7136% | 1,172 |
| Assets per employee ($millions) | 3.2053% | 4,288 |
| Cash dividends to net income (ytd only)* | 26.7837% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 1,912 |
| Loan loss allowance to noncurrent loans | 354.4601% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 2,149 |
| Noncurrent loans to loans | 0.3543% | 2,214 |
| Net loans and leases to total assets | 75.5900% | 1,181 |
| Net loans and leases to deposits | 87.8146% | 1,450 |
| Net loans and leases to core deposits | 99.1532% | 1,534 |
| Total domestic deposits to total assets | 86.0800% | 1,900 |
| Equity capital to assets | 8.8543% | 3,131 |
| Core capital (leverage) ratio | 9.4068% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $456,766,000 | 1,868 |
| Average earning assets | $418,121,500 | 1,893 |
| Average equity | $39,480,250 | 1,999 |
| Average total loans | $354,540,000 | 1,660 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5996% | 563 |
| Cost of funding earning assets | 2.6815% | 786 |
| Net interest margin | 3.9181% | 1,240 |
| Noninterest income to average assets | 2.8100% | 192 |
| Noninterest expense to average assets | 5.0199% | 229 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.2727% | 1,319 |
| Return on assets (ROA) | 1.2727% | 1,324 |
| Pretax return on assets | 1.2948% | 1,712 |
| Return on Equity (ROE) | 14.8500% | 1,002 |
| Retained earnings to average equity (ytd only) | 11.2357% | 658 |
| Net charge-offs to loans | 0.0533% | 1,254 |
| Credit loss provision to net charge-offs | 191.4894% | 1,052 |
| Earnings coverage of net charge-offs (x) | 33.0426% | 1,346 |
| Efficiency ratio | 78.5052% | 1,246 |
| Assets per employee ($millions) | 3.3363% | 4,284 |
| Cash dividends to net income (ytd only)* | 24.3394% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,204 |
| Loan loss allowance to noncurrent loans | 294.3046% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 1,860 |
| Noncurrent loans to loans | 0.4104% | 1,965 |
| Net loans and leases to total assets | 78.3800% | 866 |
| Net loans and leases to deposits | 90.4487% | 1,269 |
| Net loans and leases to core deposits | 100.4713% | 1,455 |
| Total domestic deposits to total assets | 86.6600% | 1,770 |
| Equity capital to assets | 8.6131% | 3,021 |
| Core capital (leverage) ratio | 9.4061% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $451,960,667 | 1,883 |
| Average earning assets | $414,024,000 | 1,898 |
| Average equity | $38,733,667 | 2,000 |
| Average total loans | $352,480,000 | 1,660 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4659% | 601 |
| Cost of funding earning assets | 2.6621% | 755 |
| Net interest margin | 3.8038% | 1,361 |
| Noninterest income to average assets | 2.0500% | 233 |
| Noninterest expense to average assets | 4.7284% | 256 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.6968% | 2,857 |
| Return on assets (ROA) | 0.6968% | 2,874 |
| Pretax return on assets | 0.7192% | 3,112 |
| Return on Equity (ROE) | 8.1500% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.1513% | 1,514 |
| Net charge-offs to loans | 0.0847% | 801 |
| Credit loss provision to net charge-offs | 123.2877% | 1,034 |
| Earnings coverage of net charge-offs (x) | 12.2192% | 1,559 |
| Efficiency ratio | 85.5312% | 806 |
| Assets per employee ($millions) | 3.3683% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 1,887 |
| Loan loss allowance to noncurrent loans | 250.0571% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 1,569 |
| Noncurrent loans to loans | 0.5089% | 1,650 |
| Net loans and leases to total assets | 75.7900% | 1,099 |
| Net loans and leases to deposits | 85.3868% | 1,594 |
| Net loans and leases to core deposits | 93.6636% | 1,806 |
| Total domestic deposits to total assets | 88.7600% | 1,179 |
| Equity capital to assets | 8.5793% | 2,963 |
| Core capital (leverage) ratio | 9.2769% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $446,067,500 | 1,901 |
| Average earning assets | $407,798,500 | 1,919 |
| Average equity | $38,129,000 | 2,015 |
| Average total loans | $344,758,500 | 1,683 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0688% | 579 |
| Cost of funding earning assets | 2.1009% | 782 |
| Net interest margin | 3.9678% | 1,255 |
| Noninterest income to average assets | 2.5200% | 215 |
| Noninterest expense to average assets | 4.9125% | 235 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1162% | 1,874 |
| Return on assets (ROA) | 1.1162% | 1,849 |
| Pretax return on assets | 1.1499% | 2,261 |
| Return on Equity (ROE) | 13.0000% | 1,728 |
| Retained earnings to average equity (ytd only) | 5.1493% | 2,558 |
| Net charge-offs to loans | 0.0018% | 2,752 |
| Credit loss provision to net charge-offs | 6,150.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 886.0000% | 170 |
| Efficiency ratio | 79.9017% | 925 |
| Assets per employee ($millions) | 3.2900% | 4,329 |
| Cash dividends to net income (ytd only)* | 60.3915% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 1,962 |
| Loan loss allowance to noncurrent loans | 568.1877% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,379 |
| Noncurrent loans to loans | 0.2219% | 2,432 |
| Net loans and leases to total assets | 76.8400% | 997 |
| Net loans and leases to deposits | 89.2607% | 1,323 |
| Net loans and leases to core deposits | 97.1228% | 1,586 |
| Total domestic deposits to total assets | 86.0800% | 1,992 |
| Equity capital to assets | 8.5161% | 3,046 |
| Core capital (leverage) ratio | 9.1675% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $430,212,200 | 1,920 |
| Average earning assets | $393,111,800 | 1,937 |
| Average equity | $36,937,000 | 1,984 |
| Average total loans | $333,570,800 | 1,671 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8935% | 606 |
| Cost of funding earning assets | 1.9711% | 740 |
| Net interest margin | 3.9224% | 1,357 |
| Noninterest income to average assets | 2.5700% | 227 |
| Noninterest expense to average assets | 4.9782% | 227 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0689% | 2,154 |
| Return on assets (ROA) | 1.0689% | 2,139 |
| Pretax return on assets | 1.0923% | 2,586 |
| Return on Equity (ROE) | 12.4200% | 2,025 |
| Retained earnings to average equity (ytd only) | 12.4232% | 896 |
| Net charge-offs to loans | 0.0036% | 2,376 |
| Credit loss provision to net charge-offs | 3,100.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 419.4444% | 349 |
| Efficiency ratio | 80.8453% | 815 |
| Assets per employee ($millions) | 3.1078% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,072 |
| Loan loss allowance to noncurrent loans | 809.2979% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 2,750 |
| Noncurrent loans to loans | 0.1552% | 2,775 |
| Net loans and leases to total assets | 77.6100% | 928 |
| Net loans and leases to deposits | 87.8211% | 1,404 |
| Net loans and leases to core deposits | 94.2874% | 1,658 |
| Total domestic deposits to total assets | 88.3800% | 1,453 |
| Equity capital to assets | 8.8801% | 2,486 |
| Core capital (leverage) ratio | 9.7238% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $426,728,250 | 1,930 |
| Average earning assets | $390,093,250 | 1,949 |
| Average equity | $36,715,250 | 1,979 |
| Average total loans | $330,555,750 | 1,678 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 682 |
| Cost of funding earning assets | 1.8716% | 648 |
| Net interest margin | 3.7824% | 1,659 |
| Noninterest income to average assets | 2.5100% | 202 |
| Noninterest expense to average assets | 4.9452% | 224 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.9135% | 2,711 |
| Return on assets (ROA) | 0.9135% | 2,693 |
| Pretax return on assets | 0.9370% | 3,076 |
| Return on Equity (ROE) | 10.7300% | 2,494 |
| Retained earnings to average equity (ytd only) | 10.7336% | 1,238 |
| Net charge-offs to loans | 0.0037% | 2,176 |
| Credit loss provision to net charge-offs | 3,083.3333% | 176 |
| Earnings coverage of net charge-offs (x) | 362.6667% | 393 |
| Efficiency ratio | 82.8445% | 665 |
| Assets per employee ($millions) | 3.0945% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,148 |
| Loan loss allowance to noncurrent loans | 749.3716% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 2,644 |
| Noncurrent loans to loans | 0.1676% | 2,642 |
| Net loans and leases to total assets | 76.2800% | 1,020 |
| Net loans and leases to deposits | 86.2277% | 1,480 |
| Net loans and leases to core deposits | 93.3489% | 1,607 |
| Total domestic deposits to total assets | 88.4600% | 1,440 |
| Equity capital to assets | 8.6847% | 2,726 |
| Core capital (leverage) ratio | 9.3756% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $424,975,000 | 1,935 |
| Average earning assets | $388,329,000 | 1,950 |
| Average equity | $36,166,667 | 2,011 |
| Average total loans | $327,557,667 | 1,680 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 767 |
| Cost of funding earning assets | 1.7280% | 530 |
| Net interest margin | 3.6389% | 2,035 |
| Noninterest income to average assets | 1.9600% | 236 |
| Noninterest expense to average assets | 4.7557% | 250 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.4072% | 4,078 |
| Return on assets (ROA) | 0.4072% | 4,026 |
| Pretax return on assets | 0.4309% | 4,084 |
| Return on Equity (ROE) | 4.8400% | 3,912 |
| Retained earnings to average equity (ytd only) | 4.8353% | 3,055 |
| Net charge-offs to loans | 0.0025% | 1,937 |
| Credit loss provision to net charge-offs | 4,500.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 272.5000% | 398 |
| Efficiency ratio | 90.2102% | 352 |
| Assets per employee ($millions) | 3.1577% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,156 |
| Loan loss allowance to noncurrent loans | 694.2177% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 2,551 |
| Noncurrent loans to loans | 0.1837% | 2,559 |
| Net loans and leases to total assets | 73.5900% | 1,252 |
| Net loans and leases to deposits | 82.7592% | 1,592 |
| Net loans and leases to core deposits | 89.1702% | 1,665 |
| Total domestic deposits to total assets | 88.9200% | 1,573 |
| Equity capital to assets | 8.3703% | 2,991 |
| Core capital (leverage) ratio | 9.2552% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $422,395,000 | 1,970 |
| Average earning assets | $384,956,000 | 1,984 |
| Average equity | $35,572,000 | 2,059 |
| Average total loans | $325,193,500 | 1,704 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 949 |
| Cost of funding earning assets | 0.6117% | 856 |
| Net interest margin | 3.7480% | 1,271 |
| Noninterest income to average assets | 2.9700% | 178 |
| Noninterest expense to average assets | 5.3204% | 196 |
| Loan and lease loss provision to assets | 0.7000% | 73 |
| Net operating income to assets | 0.3745% | 4,278 |
| Return on assets (ROA) | 0.3745% | 4,245 |
| Pretax return on assets | 0.3806% | 4,298 |
| Return on Equity (ROE) | 4.2400% | 4,125 |
| Retained earnings to average equity (ytd only) | -9.3219% | 4,625 |
| Net charge-offs to loans | 0.7191% | 99 |
| Credit loss provision to net charge-offs | 130.9600% | 1,401 |
| Earnings coverage of net charge-offs (x) | 2.0253% | 2,522 |
| Efficiency ratio | 83.1653% | 530 |
| Assets per employee ($millions) | 2.9457% | 4,536 |
| Cash dividends to net income (ytd only)* | 319.6347% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,338 |
| Loan loss allowance to noncurrent loans | 637.1611% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 2,485 |
| Noncurrent loans to loans | 0.1898% | 2,535 |
| Net loans and leases to total assets | 78.5600% | 745 |
| Net loans and leases to deposits | 90.2064% | 1,041 |
| Net loans and leases to core deposits | 96.5821% | 1,171 |
| Total domestic deposits to total assets | 87.0900% | 2,366 |
| Equity capital to assets | 8.4744% | 2,722 |
| Core capital (leverage) ratio | 9.2786% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $409,388,400 | 1,995 |
| Average earning assets | $374,382,600 | 2,010 |
| Average equity | $36,119,400 | 2,068 |
| Average total loans | $302,736,200 | 1,708 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 1,145 |
| Cost of funding earning assets | 0.3941% | 1,330 |
| Net interest margin | 3.6649% | 1,233 |
| Noninterest income to average assets | 3.2500% | 174 |
| Noninterest expense to average assets | 5.5110% | 187 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.8858% | 2,938 |
| Return on assets (ROA) | 0.8858% | 2,906 |
| Pretax return on assets | 0.9129% | 3,279 |
| Return on Equity (ROE) | 9.9400% | 2,743 |
| Retained earnings to average equity (ytd only) | -6.0155% | 4,623 |
| Net charge-offs to loans | 0.0991% | 618 |
| Credit loss provision to net charge-offs | 250.4545% | 891 |
| Earnings coverage of net charge-offs (x) | 15.2000% | 1,852 |
| Efficiency ratio | 83.4488% | 581 |
| Assets per employee ($millions) | 2.8815% | 4,583 |
| Cash dividends to net income (ytd only)* | 160.5166% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 2,833 |
| Loan loss allowance to noncurrent loans | 569.5788% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 2,535 |
| Noncurrent loans to loans | 0.2005% | 2,602 |
| Net loans and leases to total assets | 76.1900% | 892 |
| Net loans and leases to deposits | 85.0945% | 1,227 |
| Net loans and leases to core deposits | 90.8591% | 1,245 |
| Total domestic deposits to total assets | 89.5300% | 1,857 |
| Equity capital to assets | 8.3253% | 2,660 |
| Core capital (leverage) ratio | 9.3215% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $407,899,750 | 2,016 |
| Average earning assets | $373,482,000 | 2,032 |
| Average equity | $36,349,750 | 2,095 |
| Average total loans | $295,849,000 | 1,729 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 1,457 |
| Cost of funding earning assets | 0.2299% | 2,507 |
| Net interest margin | 3.5043% | 1,303 |
| Noninterest income to average assets | 3.3505% | 138 |
| Noninterest expense to average assets | 5.5938% | 143 |
| Loan and lease loss provision to assets | 0.1534% | 617 |
| Net operating income to assets | 0.7999% | 2,957 |
| Return on assets (ROA) | 0.7999% | 2,924 |
| Pretax return on assets | 0.8285% | 3,256 |
| Return on Equity (ROE) | 8.7790% | 2,764 |
| Retained earnings to average equity (ytd only) | -10.5706% | 4,669 |
| Net charge-offs to loans | 0.0035% | 1,925 |
| Credit loss provision to net charge-offs | 6,220.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 398.2000% | 318 |
| Efficiency ratio | 85.0682% | 622 |
| Assets per employee ($millions) | 2.7713% | 4,643 |
| Cash dividends to net income (ytd only)* | 220.4069% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 2,771 |
| Loan loss allowance to noncurrent loans | 401.9956% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,205 |
| Noncurrent loans to loans | 0.2946% | 2,287 |
| Net loans and leases to total assets | 74.2761% | 887 |
| Net loans and leases to deposits | 83.3383% | 1,164 |
| Net loans and leases to core deposits | 89.1544% | 1,167 |
| Total domestic deposits to total assets | 89.1260% | 2,121 |
| Equity capital to assets | 8.6295% | 2,669 |
| Core capital (leverage) ratio | 9.2970% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,556,667 | 2,034 |
| Average earning assets | $373,259,667 | 2,056 |
| Average equity | $36,951,667 | 2,114 |
| Average total loans | $287,872,667 | 1,763 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 1,685 |
| Cost of funding earning assets | 0.2285% | 2,417 |
| Net interest margin | 3.3067% | 1,552 |
| Noninterest income to average assets | 3.2770% | 145 |
| Noninterest expense to average assets | 5.5308% | 146 |
| Loan and lease loss provision to assets | 0.0890% | 931 |
| Net operating income to assets | 0.6712% | 3,154 |
| Return on assets (ROA) | 0.6712% | 3,139 |
| Pretax return on assets | 0.7038% | 3,383 |
| Return on Equity (ROE) | 7.1757% | 2,986 |
| Retained earnings to average equity (ytd only) | -24.5284% | 4,726 |
| Net charge-offs to loans | -0.0014% | 3,057 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4629% | 661 |
| Assets per employee ($millions) | 2.8057% | 4,672 |
| Cash dividends to net income (ytd only)* | 441.8262% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,670 |
| Loan loss allowance to noncurrent loans | 489.5265% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,584 |
| Noncurrent loans to loans | 0.2525% | 2,575 |
| Net loans and leases to total assets | 67.4686% | 1,263 |
| Net loans and leases to deposits | 75.8429% | 1,462 |
| Net loans and leases to core deposits | 81.5644% | 1,373 |
| Total domestic deposits to total assets | 88.9584% | 2,103 |
| Equity capital to assets | 8.8596% | 2,826 |
| Core capital (leverage) ratio | 9.1398% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,643,000 | 2,036 |
| Average earning assets | $372,820,000 | 2,061 |
| Average equity | $37,850,000 | 2,135 |
| Average total loans | $278,701,500 | 1,798 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 2,308 |
| Cost of funding earning assets | 0.4286% | 1,339 |
| Net interest margin | 3.2014% | 2,594 |
| Noninterest income to average assets | 6.2317% | 93 |
| Noninterest expense to average assets | 6.7263% | 108 |
| Loan and lease loss provision to assets | 0.0748% | 1,615 |
| Net operating income to assets | 2.3286% | 198 |
| Return on assets (ROA) | 2.3286% | 208 |
| Pretax return on assets | 2.3698% | 313 |
| Return on Equity (ROE) | 24.2616% | 140 |
| Retained earnings to average equity (ytd only) | 10.1434% | 884 |
| Net charge-offs to loans | 0.0074% | 2,301 |
| Credit loss provision to net charge-offs | 1,435.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 469.0500% | 290 |
| Efficiency ratio | 73.3441% | 1,384 |
| Assets per employee ($millions) | 2.8742% | 4,707 |
| Cash dividends to net income (ytd only)* | 58.1916% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 2,975 |
| Loan loss allowance to noncurrent loans | 348.1132% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 2,383 |
| Noncurrent loans to loans | 0.3390% | 2,364 |
| Net loans and leases to total assets | 68.6175% | 1,197 |
| Net loans and leases to deposits | 78.2431% | 1,375 |
| Net loans and leases to core deposits | 84.5809% | 1,291 |
| Total domestic deposits to total assets | 87.6978% | 2,195 |
| Equity capital to assets | 9.8467% | 2,802 |
| Core capital (leverage) ratio | 9.7431% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,747,600 | 2,048 |
| Average earning assets | $352,317,000 | 2,073 |
| Average equity | $36,831,800 | 2,208 |
| Average total loans | $269,113,800 | 1,841 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 2,516 |
| Cost of funding earning assets | 0.4830% | 1,146 |
| Net interest margin | 3.1309% | 2,961 |
| Noninterest income to average assets | 6.5208% | 93 |
| Noninterest expense to average assets | 7.1117% | 106 |
| Loan and lease loss provision to assets | 0.0634% | 1,731 |
| Net operating income to assets | 2.1922% | 330 |
| Return on assets (ROA) | 2.1922% | 348 |
| Pretax return on assets | 2.2189% | 526 |
| Return on Equity (ROE) | 22.9996% | 250 |
| Retained earnings to average equity (ytd only) | 11.5386% | 934 |
| Net charge-offs to loans | -0.0045% | 3,399 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7043% | 1,058 |
| Assets per employee ($millions) | 2.8991% | 4,768 |
| Cash dividends to net income (ytd only)* | 49.8312% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 3,098 |
| Loan loss allowance to noncurrent loans | 333.0595% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 2,587 |
| Noncurrent loans to loans | 0.3530% | 2,508 |
| Net loans and leases to total assets | 66.6988% | 1,463 |
| Net loans and leases to deposits | 76.4027% | 1,633 |
| Net loans and leases to core deposits | 82.8160% | 1,514 |
| Total domestic deposits to total assets | 87.2990% | 2,214 |
| Equity capital to assets | 9.6852% | 3,205 |
| Core capital (leverage) ratio | 9.6757% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,369,250 | 2,090 |
| Average earning assets | $347,240,500 | 2,114 |
| Average equity | $36,063,500 | 2,274 |
| Average total loans | $266,042,000 | 1,880 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6073% | 2,598 |
| Cost of funding earning assets | 0.5628% | 899 |
| Net interest margin | 3.0445% | 3,192 |
| Noninterest income to average assets | 6.3699% | 94 |
| Noninterest expense to average assets | 7.1303% | 104 |
| Loan and lease loss provision to assets | 0.0652% | 1,741 |
| Net operating income to assets | 1.9471% | 538 |
| Return on assets (ROA) | 1.9471% | 556 |
| Pretax return on assets | 1.9743% | 880 |
| Return on Equity (ROE) | 20.5517% | 415 |
| Retained earnings to average equity (ytd only) | 2.7804% | 3,917 |
| Net charge-offs to loans | -0.0046% | 3,408 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7587% | 927 |
| Assets per employee ($millions) | 2.8504% | 4,806 |
| Cash dividends to net income (ytd only)* | 86.4714% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,200 |
| Loan loss allowance to noncurrent loans | 295.9070% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 2,580 |
| Noncurrent loans to loans | 0.3883% | 2,511 |
| Net loans and leases to total assets | 68.5778% | 1,374 |
| Net loans and leases to deposits | 78.3138% | 1,585 |
| Net loans and leases to core deposits | 85.9200% | 1,426 |
| Total domestic deposits to total assets | 87.5679% | 2,061 |
| Equity capital to assets | 9.2634% | 3,547 |
| Core capital (leverage) ratio | 9.7867% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,233,000 | 2,124 |
| Average earning assets | $338,648,667 | 2,144 |
| Average equity | $34,887,667 | 2,317 |
| Average total loans | $262,758,000 | 1,906 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 2,360 |
| Cost of funding earning assets | 0.6489% | 700 |
| Net interest margin | 3.0510% | 3,125 |
| Noninterest income to average assets | 6.5370% | 98 |
| Noninterest expense to average assets | 7.2263% | 103 |
| Loan and lease loss provision to assets | 0.0680% | 1,792 |
| Net operating income to assets | 2.0237% | 554 |
| Return on assets (ROA) | 2.0237% | 597 |
| Pretax return on assets | 2.0520% | 870 |
| Return on Equity (ROE) | 21.0940% | 459 |
| Retained earnings to average equity (ytd only) | 3.3679% | 3,673 |
| Net charge-offs to loans | -0.0094% | 3,647 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3168% | 1,016 |
| Assets per employee ($millions) | 2.6788% | 4,864 |
| Cash dividends to net income (ytd only)* | 84.0336% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,948 |
| Loan loss allowance to noncurrent loans | 401.0283% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 3,034 |
| Noncurrent loans to loans | 0.2987% | 3,026 |
| Net loans and leases to total assets | 73.8937% | 826 |
| Net loans and leases to deposits | 85.1813% | 1,030 |
| Net loans and leases to core deposits | 96.1755% | 872 |
| Total domestic deposits to total assets | 86.7487% | 2,423 |
| Equity capital to assets | 9.7495% | 2,947 |
| Core capital (leverage) ratio | 9.6263% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,822,000 | 2,175 |
| Average earning assets | $324,878,000 | 2,201 |
| Average equity | $33,848,500 | 2,359 |
| Average total loans | $255,715,000 | 1,937 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 1,934 |
| Cost of funding earning assets | 1.0566% | 481 |
| Net interest margin | 3.2203% | 3,305 |
| Noninterest income to average assets | 8.6043% | 78 |
| Noninterest expense to average assets | 8.1712% | 94 |
| Loan and lease loss provision to assets | 0.2013% | 1,949 |
| Net operating income to assets | 3.1410% | 84 |
| Return on assets (ROA) | 3.1410% | 88 |
| Pretax return on assets | 3.1794% | 111 |
| Return on Equity (ROE) | 31.8946% | 58 |
| Retained earnings to average equity (ytd only) | 11.7654% | 346 |
| Net charge-offs to loans | 0.0281% | 2,472 |
| Credit loss provision to net charge-offs | 963.2353% | 797 |
| Earnings coverage of net charge-offs (x) | 161.7647% | 541 |
| Efficiency ratio | 70.7346% | 1,848 |
| Assets per employee ($millions) | 2.6872% | 4,869 |
| Cash dividends to net income (ytd only)* | 63.1115% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,854 |
| Loan loss allowance to noncurrent loans | 330.2703% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 3,004 |
| Noncurrent loans to loans | 0.3686% | 2,878 |
| Net loans and leases to total assets | 69.3690% | 1,636 |
| Net loans and leases to deposits | 82.4281% | 1,614 |
| Net loans and leases to core deposits | 93.3973% | 1,280 |
| Total domestic deposits to total assets | 84.1569% | 3,064 |
| Equity capital to assets | 9.4418% | 3,667 |
| Core capital (leverage) ratio | 9.4053% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,373,400 | 2,162 |
| Average earning assets | $297,833,400 | 2,197 |
| Average equity | $32,043,000 | 2,387 |
| Average total loans | $242,117,600 | 1,957 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 1,766 |
| Cost of funding earning assets | 1.1476% | 445 |
| Net interest margin | 3.2823% | 3,242 |
| Noninterest income to average assets | 8.0334% | 81 |
| Noninterest expense to average assets | 7.2982% | 106 |
| Loan and lease loss provision to assets | 0.0819% | 3,292 |
| Net operating income to assets | 3.6256% | 62 |
| Return on assets (ROA) | 3.6256% | 65 |
| Pretax return on assets | 3.6571% | 83 |
| Return on Equity (ROE) | 36.3924% | 41 |
| Retained earnings to average equity (ytd only) | 21.8439% | 65 |
| Net charge-offs to loans | -0.0044% | 4,030 |
| Credit loss provision to net charge-offs | -2,437.5000% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1236% | 2,454 |
| Assets per employee ($millions) | 2.7160% | 4,902 |
| Cash dividends to net income (ytd only)* | 39.9768% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,843 |
| Loan loss allowance to noncurrent loans | 3,708.3333% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,371 |
| Noncurrent loans to loans | 0.0259% | 4,306 |
| Net loans and leases to total assets | 79.0678% | 702 |
| Net loans and leases to deposits | 97.6154% | 649 |
| Net loans and leases to core deposits | 111.9355% | 632 |
| Total domestic deposits to total assets | 80.9993% | 3,664 |
| Equity capital to assets | 10.1254% | 3,117 |
| Core capital (leverage) ratio | 10.1020% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,367,000 | 2,184 |
| Average earning assets | $290,442,500 | 2,214 |
| Average equity | $31,617,500 | 2,394 |
| Average total loans | $239,902,250 | 1,973 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,750 |
| Cost of funding earning assets | 1.2455% | 436 |
| Net interest margin | 3.3163% | 3,341 |
| Noninterest income to average assets | 6.4913% | 85 |
| Noninterest expense to average assets | 6.6130% | 119 |
| Loan and lease loss provision to assets | 0.0683% | 3,438 |
| Net operating income to assets | 2.8086% | 102 |
| Return on assets (ROA) | 2.8086% | 105 |
| Pretax return on assets | 2.8411% | 138 |
| Return on Equity (ROE) | 28.3667% | 76 |
| Retained earnings to average equity (ytd only) | 21.4640% | 78 |
| Net charge-offs to loans | -0.0035% | 3,911 |
| Credit loss provision to net charge-offs | -2,625.0000% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4463% | 2,025 |
| Assets per employee ($millions) | 2.7654% | 4,919 |
| Cash dividends to net income (ytd only)* | 24.3337% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,497 |
| Loan loss allowance to noncurrent loans | 1,802.0979% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 4,319 |
| Noncurrent loans to loans | 0.0563% | 4,251 |
| Net loans and leases to total assets | 75.7139% | 1,183 |
| Net loans and leases to deposits | 91.6204% | 1,199 |
| Net loans and leases to core deposits | 105.6052% | 905 |
| Total domestic deposits to total assets | 82.6386% | 3,195 |
| Equity capital to assets | 10.0406% | 3,165 |
| Core capital (leverage) ratio | 9.8730% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,272,333 | 2,207 |
| Average earning assets | $280,857,000 | 2,244 |
| Average equity | $30,423,000 | 2,442 |
| Average total loans | $227,353,000 | 2,030 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 1,432 |
| Cost of funding earning assets | 1.3659% | 463 |
| Net interest margin | 3.4297% | 3,214 |
| Noninterest income to average assets | 4.8762% | 96 |
| Noninterest expense to average assets | 6.9645% | 119 |
| Loan and lease loss provision to assets | 0.0203% | 3,542 |
| Net operating income to assets | 0.9831% | 2,233 |
| Return on assets (ROA) | 0.9831% | 2,336 |
| Pretax return on assets | 1.0170% | 2,791 |
| Return on Equity (ROE) | 10.0088% | 1,746 |
| Retained earnings to average equity (ytd only) | -4.4867% | 4,479 |
| Net charge-offs to loans | -0.0056% | 3,897 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0361% | 634 |
| Assets per employee ($millions) | 2.6911% | 4,906 |
| Cash dividends to net income (ytd only)* | 144.8276% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 2,929 |
| Loan loss allowance to noncurrent loans | 1,911.5385% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 4,391 |
| Noncurrent loans to loans | 0.0602% | 4,306 |
| Net loans and leases to total assets | 70.8200% | 2,118 |
| Net loans and leases to deposits | 85.9519% | 2,006 |
| Net loans and leases to core deposits | 100.8509% | 1,411 |
| Total domestic deposits to total assets | 82.3949% | 3,299 |
| Equity capital to assets | 9.8646% | 3,911 |
| Core capital (leverage) ratio | 9.8770% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,982,500 | 2,239 |
| Average earning assets | $268,832,000 | 2,271 |
| Average equity | $28,974,500 | 2,517 |
| Average total loans | $214,112,000 | 2,090 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 1,230 |
| Cost of funding earning assets | 1.4476% | 469 |
| Net interest margin | 3.6447% | 2,979 |
| Noninterest income to average assets | 4.5010% | 102 |
| Noninterest expense to average assets | 5.8119% | 147 |
| Loan and lease loss provision to assets | 0.0548% | 2,934 |
| Net operating income to assets | 1.9251% | 411 |
| Return on assets (ROA) | 1.9251% | 428 |
| Pretax return on assets | 1.9645% | 645 |
| Return on Equity (ROE) | 20.4970% | 190 |
| Retained earnings to average equity (ytd only) | 14.5481% | 106 |
| Net charge-offs to loans | 0.0368% | 2,646 |
| Credit loss provision to net charge-offs | 198.7013% | 1,337 |
| Earnings coverage of net charge-offs (x) | 73.2208% | 853 |
| Efficiency ratio | 74.2145% | 1,583 |
| Assets per employee ($millions) | 2.7482% | 4,926 |
| Cash dividends to net income (ytd only)* | 29.0233% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,629 |
| Loan loss allowance to noncurrent loans | 1,355.4945% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 4,309 |
| Noncurrent loans to loans | 0.0857% | 4,178 |
| Net loans and leases to total assets | 72.7117% | 1,965 |
| Net loans and leases to deposits | 84.4893% | 2,281 |
| Net loans and leases to core deposits | 99.4441% | 1,611 |
| Total domestic deposits to total assets | 86.0602% | 2,043 |
| Equity capital to assets | 9.7785% | 4,125 |
| Core capital (leverage) ratio | 9.4756% | 4,086 |
| Tier 1 risk-based capital ratio | 12.4136% | 4,127 |
| Total risk-based capital ratio | 13.5501% | 4,053 |
| Memoranda: | ||
| Average total assets | $279,201,600 | 2,275 |
| Average earning assets | $255,113,600 | 2,301 |
| Average equity | $26,223,400 | 2,615 |
| Average total loans | $209,516,600 | 2,085 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 1,302 |
| Cost of funding earning assets | 1.4316% | 511 |
| Net interest margin | 3.6595% | 3,061 |
| Noninterest income to average assets | 4.4031% | 106 |
| Noninterest expense to average assets | 5.5709% | 155 |
| Loan and lease loss provision to assets | 0.0549% | 2,814 |
| Net operating income to assets | 2.0847% | 333 |
| Return on assets (ROA) | 2.0847% | 345 |
| Pretax return on assets | 2.1209% | 523 |
| Return on Equity (ROE) | 22.4368% | 147 |
| Retained earnings to average equity (ytd only) | 22.4368% | 36 |
| Net charge-offs to loans | 0.0345% | 2,383 |
| Credit loss provision to net charge-offs | 211.1111% | 1,251 |
| Earnings coverage of net charge-offs (x) | 83.6646% | 836 |
| Efficiency ratio | 71.9135% | 1,845 |
| Assets per employee ($millions) | 2.9219% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 2,895 |
| Loan loss allowance to noncurrent loans | 164.2091% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 2,526 |
| Noncurrent loans to loans | 0.6858% | 2,245 |
| Net loans and leases to total assets | 72.1753% | 2,151 |
| Net loans and leases to deposits | 83.8521% | 2,476 |
| Net loans and leases to core deposits | 98.1802% | 1,816 |
| Total domestic deposits to total assets | 86.0746% | 1,964 |
| Equity capital to assets | 9.6366% | 4,351 |
| Core capital (leverage) ratio | 9.6704% | 4,001 |
| Tier 1 risk-based capital ratio | 12.5749% | 4,098 |
| Total risk-based capital ratio | 13.6973% | 4,058 |
| Memoranda: | ||
| Average total assets | $276,861,250 | 2,305 |
| Average earning assets | $252,957,500 | 2,336 |
| Average equity | $25,725,000 | 2,664 |
| Average total loans | $208,824,250 | 2,114 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0763% | 1,281 |
| Cost of funding earning assets | 1.3893% | 557 |
| Net interest margin | 3.6870% | 2,973 |
| Noninterest income to average assets | 3.6197% | 125 |
| Noninterest expense to average assets | 5.2186% | 189 |
| Loan and lease loss provision to assets | 0.0645% | 2,526 |
| Net operating income to assets | 1.6634% | 782 |
| Return on assets (ROA) | 1.6634% | 818 |
| Pretax return on assets | 1.7005% | 1,266 |
| Return on Equity (ROE) | 18.1504% | 374 |
| Retained earnings to average equity (ytd only) | 18.1504% | 80 |
| Net charge-offs to loans | 0.0418% | 2,061 |
| Credit loss provision to net charge-offs | 202.3256% | 1,191 |
| Earnings coverage of net charge-offs (x) | 55.3721% | 1,034 |
| Efficiency ratio | 74.7267% | 1,553 |
| Assets per employee ($millions) | 2.8569% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,948 |
| Loan loss allowance to noncurrent loans | 154.5397% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 2,358 |
| Noncurrent loans to loans | 0.7258% | 2,180 |
| Net loans and leases to total assets | 75.1103% | 1,703 |
| Net loans and leases to deposits | 88.7520% | 1,898 |
| Net loans and leases to core deposits | 105.1285% | 1,296 |
| Total domestic deposits to total assets | 84.6294% | 2,626 |
| Equity capital to assets | 9.3151% | 4,563 |
| Core capital (leverage) ratio | 9.4844% | 4,159 |
| Tier 1 risk-based capital ratio | 11.7269% | 4,555 |
| Total risk-based capital ratio | 12.8415% | 4,530 |
| Memoranda: | ||
| Average total assets | $269,805,000 | 2,356 |
| Average earning assets | $246,164,330 | 2,382 |
| Average equity | $24,726,670 | 2,749 |
| Average total loans | $205,914,330 | 2,145 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 1,106 |
| Cost of funding earning assets | 1.3431% | 568 |
| Net interest margin | 3.7503% | 2,710 |
| Noninterest income to average assets | 2.5616% | 184 |
| Noninterest expense to average assets | 5.0316% | 202 |
| Loan and lease loss provision to assets | 0.0336% | 2,960 |
| Net operating income to assets | 0.8661% | 3,374 |
| Return on assets (ROA) | 0.8661% | 3,421 |
| Pretax return on assets | 0.9043% | 3,754 |
| Return on Equity (ROE) | 9.5358% | 2,575 |
| Retained earnings to average equity (ytd only) | 9.5358% | 1,151 |
| Net charge-offs to loans | -0.0100% | 4,228 |
| Credit loss provision to net charge-offs | -440.0000% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2886% | 689 |
| Assets per employee ($millions) | 2.7769% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,494 |
| Loan loss allowance to noncurrent loans | 767.3016% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 4,216 |
| Noncurrent loans to loans | 0.1585% | 4,031 |
| Net loans and leases to total assets | 74.4346% | 1,724 |
| Net loans and leases to deposits | 86.1307% | 2,119 |
| Net loans and leases to core deposits | 102.5346% | 1,411 |
| Total domestic deposits to total assets | 86.4205% | 2,104 |
| Equity capital to assets | 9.1592% | 4,567 |
| Core capital (leverage) ratio | 9.2220% | 4,444 |
| Tier 1 risk-based capital ratio | 11.1283% | 4,922 |
| Total risk-based capital ratio | 12.2798% | 4,862 |
| Memoranda: | ||
| Average total assets | $261,863,500 | 2,432 |
| Average earning assets | $237,955,500 | 2,471 |
| Average equity | $23,784,000 | 2,825 |
| Average total loans | $200,364,000 | 2,210 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9618% | 1,125 |
| Cost of funding earning assets | 0.9291% | 1,001 |
| Net interest margin | 4.0327% | 1,878 |
| Noninterest income to average assets | 2.6838% | 179 |
| Noninterest expense to average assets | 4.9584% | 211 |
| Loan and lease loss provision to assets | 0.0750% | 2,627 |
| Net operating income to assets | 1.2905% | 1,847 |
| Return on assets (ROA) | 1.2905% | 1,835 |
| Pretax return on assets | 1.3252% | 2,414 |
| Return on Equity (ROE) | 13.6914% | 1,133 |
| Retained earnings to average equity (ytd only) | 3.7018% | 3,543 |
| Net charge-offs to loans | 0.0463% | 2,507 |
| Credit loss provision to net charge-offs | 211.4943% | 1,370 |
| Earnings coverage of net charge-offs (x) | 39.4828% | 1,323 |
| Efficiency ratio | 77.9794% | 1,132 |
| Assets per employee ($millions) | 2.7360% | 5,122 |
| Cash dividends to net income (ytd only)* | 72.9627% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,658 |
| Loan loss allowance to noncurrent loans | 5,431.8182% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,805 |
| Noncurrent loans to loans | 0.0218% | 4,687 |
| Net loans and leases to total assets | 76.7764% | 1,471 |
| Net loans and leases to deposits | 92.7516% | 1,432 |
| Net loans and leases to core deposits | 109.4148% | 1,036 |
| Total domestic deposits to total assets | 82.7764% | 3,401 |
| Equity capital to assets | 9.0048% | 4,570 |
| Core capital (leverage) ratio | 9.1411% | 4,520 |
| Tier 1 risk-based capital ratio | 10.8905% | 5,021 |
| Total risk-based capital ratio | 12.0325% | 4,966 |
| Memoranda: | ||
| Average total assets | $245,323,000 | 2,504 |
| Average earning assets | $223,548,400 | 2,534 |
| Average equity | $23,124,000 | 2,802 |
| Average total loans | $187,756,600 | 2,271 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8703% | 1,238 |
| Cost of funding earning assets | 0.8364% | 1,165 |
| Net interest margin | 4.0340% | 1,844 |
| Noninterest income to average assets | 2.5781% | 198 |
| Noninterest expense to average assets | 5.0154% | 200 |
| Loan and lease loss provision to assets | 0.0679% | 2,617 |
| Net operating income to assets | 1.1464% | 2,450 |
| Return on assets (ROA) | 1.1464% | 2,463 |
| Pretax return on assets | 1.1801% | 3,067 |
| Return on Equity (ROE) | 12.0180% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.7550% | 2,258 |
| Net charge-offs to loans | 0.0384% | 2,314 |
| Credit loss provision to net charge-offs | 232.0755% | 1,245 |
| Earnings coverage of net charge-offs (x) | 42.6821% | 1,299 |
| Efficiency ratio | 80.0758% | 934 |
| Assets per employee ($millions) | 2.6422% | 5,239 |
| Cash dividends to net income (ytd only)* | 43.7920% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,575 |
| Loan loss allowance to noncurrent loans | 471.8563% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 3,949 |
| Noncurrent loans to loans | 0.2563% | 3,773 |
| Net loans and leases to total assets | 76.9373% | 1,514 |
| Net loans and leases to deposits | 91.6863% | 1,661 |
| Net loans and leases to core deposits | 106.8651% | 1,240 |
| Total domestic deposits to total assets | 83.9136% | 2,977 |
| Equity capital to assets | 9.3890% | 4,193 |
| Core capital (leverage) ratio | 9.6109% | 4,045 |
| Tier 1 risk-based capital ratio | 11.3365% | 4,883 |
| Total risk-based capital ratio | 12.4968% | 4,818 |
| Memoranda: | ||
| Average total assets | $241,674,500 | 2,542 |
| Average earning assets | $220,786,750 | 2,570 |
| Average equity | $23,053,750 | 2,824 |
| Average total loans | $184,209,500 | 2,313 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 1,340 |
| Cost of funding earning assets | 0.7792% | 1,222 |
| Net interest margin | 3.9857% | 1,910 |
| Noninterest income to average assets | 2.2283% | 239 |
| Noninterest expense to average assets | 4.8918% | 226 |
| Loan and lease loss provision to assets | 0.0838% | 2,238 |
| Net operating income to assets | 0.8593% | 3,634 |
| Return on assets (ROA) | 0.8593% | 3,628 |
| Pretax return on assets | 0.8937% | 3,983 |
| Return on Equity (ROE) | 8.9587% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.5938% | 2,771 |
| Net charge-offs to loans | 0.0576% | 1,779 |
| Credit loss provision to net charge-offs | 192.3077% | 1,339 |
| Earnings coverage of net charge-offs (x) | 22.4231% | 1,744 |
| Efficiency ratio | 83.3452% | 734 |
| Assets per employee ($millions) | 2.7140% | 5,255 |
| Cash dividends to net income (ytd only)* | 37.5610% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,300 |
| Loan loss allowance to noncurrent loans | 29,275.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 5,048 |
| Noncurrent loans to loans | 0.0044% | 4,949 |
| Net loans and leases to total assets | 74.2839% | 1,903 |
| Net loans and leases to deposits | 86.5348% | 2,265 |
| Net loans and leases to core deposits | 99.7932% | 1,755 |
| Total domestic deposits to total assets | 85.8427% | 2,347 |
| Equity capital to assets | 9.4550% | 4,151 |
| Core capital (leverage) ratio | 9.4798% | 4,136 |
| Tier 1 risk-based capital ratio | 11.8339% | 4,601 |
| Total risk-based capital ratio | 13.0616% | 4,499 |
| Memoranda: | ||
| Average total assets | $238,563,670 | 2,574 |
| Average earning assets | $217,928,670 | 2,601 |
| Average equity | $22,882,670 | 2,851 |
| Average total loans | $180,452,000 | 2,352 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 1,439 |
| Cost of funding earning assets | 0.6760% | 1,559 |
| Net interest margin | 3.9739% | 1,802 |
| Noninterest income to average assets | 1.7343% | 330 |
| Noninterest expense to average assets | 4.5122% | 292 |
| Loan and lease loss provision to assets | 0.0865% | 2,068 |
| Net operating income to assets | 0.7229% | 4,014 |
| Return on assets (ROA) | 0.7229% | 4,020 |
| Pretax return on assets | 0.7568% | 4,271 |
| Return on Equity (ROE) | 7.4814% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.4814% | 2,056 |
| Net charge-offs to loans | 0.0537% | 1,569 |
| Credit loss provision to net charge-offs | 212.5000% | 1,011 |
| Earnings coverage of net charge-offs (x) | 20.7083% | 1,456 |
| Efficiency ratio | 84.2522% | 780 |
| Assets per employee ($millions) | 2.8121% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,308 |
| Loan loss allowance to noncurrent loans | 25,777.7778% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 5,127 |
| Noncurrent loans to loans | 0.0050% | 5,002 |
| Net loans and leases to total assets | 75.3433% | 1,649 |
| Net loans and leases to deposits | 92.1691% | 1,435 |
| Net loans and leases to core deposits | 115.7322% | 733 |
| Total domestic deposits to total assets | 81.7447% | 4,034 |
| Equity capital to assets | 9.7026% | 3,879 |
| Core capital (leverage) ratio | 9.9663% | 3,570 |
| Tier 1 risk-based capital ratio | 11.8808% | 4,620 |
| Total risk-based capital ratio | 13.1135% | 4,522 |
| Memoranda: | ||
| Average total assets | $235,714,000 | 2,620 |
| Average earning assets | $214,802,500 | 2,651 |
| Average equity | $22,776,500 | 2,891 |
| Average total loans | $178,783,000 | 2,373 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 1,396 |
| Cost of funding earning assets | 0.6309% | 1,410 |
| Net interest margin | 3.9805% | 1,807 |
| Noninterest income to average assets | 2.4540% | 222 |
| Noninterest expense to average assets | 4.6469% | 277 |
| Loan and lease loss provision to assets | 0.0705% | 2,793 |
| Net operating income to assets | 1.3399% | 1,140 |
| Return on assets (ROA) | 1.3399% | 1,165 |
| Pretax return on assets | 1.3864% | 2,037 |
| Return on Equity (ROE) | 14.2695% | 723 |
| Retained earnings to average equity (ytd only) | 7.0741% | 1,048 |
| Net charge-offs to loans | 0.0467% | 2,851 |
| Credit loss provision to net charge-offs | 198.8095% | 1,374 |
| Earnings coverage of net charge-offs (x) | 41.0714% | 1,248 |
| Efficiency ratio | 76.1312% | 1,598 |
| Assets per employee ($millions) | 2.7672% | 5,350 |
| Cash dividends to net income (ytd only)* | 50.4255% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,249 |
| Loan loss allowance to noncurrent loans | 9,554.1667% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,701 |
| Noncurrent loans to loans | 0.0135% | 4,974 |
| Net loans and leases to total assets | 74.3925% | 1,856 |
| Net loans and leases to deposits | 86.3510% | 2,215 |
| Net loans and leases to core deposits | 106.2649% | 1,250 |
| Total domestic deposits to total assets | 86.1512% | 2,370 |
| Equity capital to assets | 9.6228% | 4,119 |
| Core capital (leverage) ratio | 9.5180% | 4,020 |
| Tier 1 risk-based capital ratio | 11.8073% | 4,657 |
| Total risk-based capital ratio | 13.0415% | 4,544 |
| Memoranda: | ||
| Average total assets | $236,801,800 | 2,592 |
| Average earning assets | $217,135,800 | 2,608 |
| Average equity | $22,236,200 | 2,933 |
| Average total loans | $179,965,000 | 2,331 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 1,457 |
| Cost of funding earning assets | 0.6172% | 1,419 |
| Net interest margin | 3.9497% | 1,859 |
| Noninterest income to average assets | 2.4451% | 231 |
| Noninterest expense to average assets | 4.6795% | 274 |
| Loan and lease loss provision to assets | 0.0444% | 3,210 |
| Net operating income to assets | 1.3164% | 1,283 |
| Return on assets (ROA) | 1.3164% | 1,317 |
| Pretax return on assets | 1.3507% | 2,282 |
| Return on Equity (ROE) | 14.1059% | 812 |
| Retained earnings to average equity (ytd only) | 14.1059% | 150 |
| Net charge-offs to loans | 0.0089% | 3,412 |
| Credit loss provision to net charge-offs | 658.3333% | 500 |
| Earnings coverage of net charge-offs (x) | 206.8281% | 421 |
| Efficiency ratio | 77.0334% | 1,455 |
| Assets per employee ($millions) | 2.8543% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,482 |
| Loan loss allowance to noncurrent loans | 685.8434% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 3,831 |
| Noncurrent loans to loans | 0.1860% | 4,326 |
| Net loans and leases to total assets | 73.5041% | 2,002 |
| Net loans and leases to deposits | 85.7126% | 2,333 |
| Net loans and leases to core deposits | 108.1138% | 1,130 |
| Total domestic deposits to total assets | 85.7565% | 2,406 |
| Equity capital to assets | 9.8282% | 4,109 |
| Core capital (leverage) ratio | 9.4537% | 4,223 |
| Tier 1 risk-based capital ratio | 12.2025% | 4,497 |
| Total risk-based capital ratio | 13.4292% | 4,403 |
| Memoranda: | ||
| Average total assets | $237,199,250 | 2,604 |
| Average earning assets | $217,968,500 | 2,618 |
| Average equity | $22,136,750 | 2,962 |
| Average total loans | $180,638,000 | 2,328 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 1,501 |
| Cost of funding earning assets | 0.5936% | 1,490 |
| Net interest margin | 3.9118% | 1,886 |
| Noninterest income to average assets | 2.2585% | 264 |
| Noninterest expense to average assets | 4.5780% | 294 |
| Loan and lease loss provision to assets | 0.0533% | 2,912 |
| Net operating income to assets | 1.1839% | 1,654 |
| Return on assets (ROA) | 1.1839% | 1,688 |
| Pretax return on assets | 1.2186% | 2,706 |
| Return on Equity (ROE) | 12.9172% | 1,054 |
| Retained earnings to average equity (ytd only) | 12.9172% | 255 |
| Net charge-offs to loans | 0.0265% | 2,686 |
| Credit loss provision to net charge-offs | 262.5000% | 1,049 |
| Earnings coverage of net charge-offs (x) | 62.6250% | 924 |
| Efficiency ratio | 78.2584% | 1,428 |
| Assets per employee ($millions) | 2.9165% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,734 |
| Loan loss allowance to noncurrent loans | 2,709.6386% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 4,365 |
| Noncurrent loans to loans | 0.0459% | 4,963 |
| Net loans and leases to total assets | 72.8770% | 2,063 |
| Net loans and leases to deposits | 84.2017% | 2,442 |
| Net loans and leases to core deposits | 106.2316% | 1,218 |
| Total domestic deposits to total assets | 86.5506% | 2,152 |
| Equity capital to assets | 9.2382% | 4,685 |
| Core capital (leverage) ratio | 9.2315% | 4,456 |
| Tier 1 risk-based capital ratio | 11.5430% | 4,930 |
| Total risk-based capital ratio | 12.7378% | 4,856 |
| Memoranda: | ||
| Average total assets | $236,346,330 | 2,629 |
| Average earning assets | $216,987,000 | 2,642 |
| Average equity | $21,661,000 | 3,012 |
| Average total loans | $181,347,670 | 2,329 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 1,481 |
| Cost of funding earning assets | 0.5528% | 1,695 |
| Net interest margin | 3.9036% | 1,765 |
| Noninterest income to average assets | 1.8015% | 362 |
| Noninterest expense to average assets | 4.5391% | 321 |
| Loan and lease loss provision to assets | 0.0259% | 3,236 |
| Net operating income to assets | 0.7792% | 3,316 |
| Return on assets (ROA) | 0.7792% | 3,373 |
| Pretax return on assets | 0.8154% | 4,056 |
| Return on Equity (ROE) | 8.5382% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.5382% | 1,261 |
| Net charge-offs to loans | -0.0110% | 4,471 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3640% | 940 |
| Assets per employee ($millions) | 2.7907% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 3,029 |
| Loan loss allowance to noncurrent loans | 2,423.9130% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 4,123 |
| Noncurrent loans to loans | 0.0502% | 4,989 |
| Net loans and leases to total assets | 77.1970% | 1,243 |
| Net loans and leases to deposits | 92.5960% | 1,258 |
| Net loans and leases to core deposits | 118.8291% | 491 |
| Total domestic deposits to total assets | 83.3697% | 3,711 |
| Equity capital to assets | 9.1374% | 4,673 |
| Core capital (leverage) ratio | 9.2693% | 4,384 |
| Tier 1 risk-based capital ratio | 10.5929% | 5,503 |
| Total risk-based capital ratio | 11.7382% | 5,473 |
| Memoranda: | ||
| Average total assets | $232,027,500 | 2,693 |
| Average earning assets | $212,726,500 | 2,704 |
| Average equity | $21,175,500 | 3,070 |
| Average total loans | $181,628,500 | 2,346 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 1,237 |
| Cost of funding earning assets | 0.4677% | 2,376 |
| Net interest margin | 4.1499% | 1,244 |
| Noninterest income to average assets | 2.6793% | 238 |
| Noninterest expense to average assets | 4.7525% | 305 |
| Loan and lease loss provision to assets | 0.2399% | 887 |
| Net operating income to assets | 1.4383% | 941 |
| Return on assets (ROA) | 1.4405% | 958 |
| Pretax return on assets | 1.4787% | 1,658 |
| Return on Equity (ROE) | 15.1725% | 608 |
| Retained earnings to average equity (ytd only) | 4.2707% | 2,872 |
| Net charge-offs to loans | 0.1651% | 1,637 |
| Credit loss provision to net charge-offs | 187.0175% | 1,505 |
| Earnings coverage of net charge-offs (x) | 13.3825% | 2,374 |
| Efficiency ratio | 73.4678% | 2,351 |
| Assets per employee ($millions) | 2.7016% | 5,561 |
| Cash dividends to net income (ytd only)* | 71.8525% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,953 |
| Loan loss allowance to noncurrent loans | 2,695.1220% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 4,175 |
| Noncurrent loans to loans | 0.0455% | 5,065 |
| Net loans and leases to total assets | 77.4498% | 1,289 |
| Net loans and leases to deposits | 94.9541% | 1,096 |
| Net loans and leases to core deposits | 121.4688% | 445 |
| Total domestic deposits to total assets | 81.5654% | 4,189 |
| Equity capital to assets | 9.1149% | 4,690 |
| Core capital (leverage) ratio | 9.2310% | 4,434 |
| Tier 1 risk-based capital ratio | 10.6910% | 5,490 |
| Total risk-based capital ratio | 11.8620% | 5,445 |
| Memoranda: | ||
| Average total assets | $222,220,600 | 2,738 |
| Average earning assets | $202,921,600 | 2,761 |
| Average equity | $21,097,400 | 3,059 |
| Average total loans | $172,666,000 | 2,392 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,178 |
| Cost of funding earning assets | 0.4627% | 2,439 |
| Net interest margin | 4.1903% | 1,141 |
| Noninterest income to average assets | 2.6519% | 241 |
| Noninterest expense to average assets | 4.7792% | 307 |
| Loan and lease loss provision to assets | 0.2208% | 941 |
| Net operating income to assets | 1.4449% | 981 |
| Return on assets (ROA) | 1.4479% | 1,026 |
| Pretax return on assets | 1.4848% | 1,761 |
| Return on Equity (ROE) | 15.0934% | 654 |
| Retained earnings to average equity (ytd only) | 11.9397% | 311 |
| Net charge-offs to loans | 0.2076% | 1,127 |
| Credit loss provision to net charge-offs | 137.2180% | 1,893 |
| Earnings coverage of net charge-offs (x) | 10.5789% | 2,556 |
| Efficiency ratio | 73.7328% | 2,338 |
| Assets per employee ($millions) | 2.7405% | 5,588 |
| Cash dividends to net income (ytd only)* | 20.8943% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 3,316 |
| Loan loss allowance to noncurrent loans | 451.2035% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 4,233 |
| Noncurrent loans to loans | 0.2633% | 4,317 |
| Net loans and leases to total assets | 77.2750% | 1,310 |
| Net loans and leases to deposits | 90.1104% | 1,740 |
| Net loans and leases to core deposits | 113.6309% | 740 |
| Total domestic deposits to total assets | 85.7559% | 2,479 |
| Equity capital to assets | 10.0149% | 4,114 |
| Core capital (leverage) ratio | 9.5168% | 4,157 |
| Tier 1 risk-based capital ratio | 11.4455% | 5,122 |
| Total risk-based capital ratio | 12.5622% | 5,102 |
| Memoranda: | ||
| Average total assets | $220,367,250 | 2,765 |
| Average earning assets | $201,410,500 | 2,786 |
| Average equity | $21,139,000 | 3,074 |
| Average total loans | $170,817,250 | 2,408 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 1,249 |
| Cost of funding earning assets | 0.4600% | 2,475 |
| Net interest margin | 4.1506% | 1,225 |
| Noninterest income to average assets | 2.4674% | 256 |
| Noninterest expense to average assets | 4.6691% | 333 |
| Loan and lease loss provision to assets | 0.2638% | 708 |
| Net operating income to assets | 1.2819% | 1,331 |
| Return on assets (ROA) | 1.2828% | 1,431 |
| Pretax return on assets | 1.3201% | 2,327 |
| Return on Equity (ROE) | 13.5740% | 911 |
| Retained earnings to average equity (ytd only) | 8.7605% | 917 |
| Net charge-offs to loans | 0.3014% | 792 |
| Credit loss provision to net charge-offs | 113.2813% | 1,933 |
| Earnings coverage of net charge-offs (x) | 6.7969% | 2,703 |
| Efficiency ratio | 74.6799% | 2,261 |
| Assets per employee ($millions) | 2.9582% | 5,471 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,691 |
| Loan loss allowance to noncurrent loans | 325.9380% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 4,036 |
| Noncurrent loans to loans | 0.3511% | 4,116 |
| Net loans and leases to total assets | 76.7608% | 1,372 |
| Net loans and leases to deposits | 90.6577% | 1,676 |
| Net loans and leases to core deposits | 112.4567% | 792 |
| Total domestic deposits to total assets | 84.6711% | 3,016 |
| Equity capital to assets | 9.4790% | 4,789 |
| Core capital (leverage) ratio | 9.0853% | 4,734 |
| Tier 1 risk-based capital ratio | 10.3845% | 5,728 |
| Total risk-based capital ratio | 11.4114% | 5,744 |
| Memoranda: | ||
| Average total assets | $219,829,670 | 2,775 |
| Average earning assets | $200,453,330 | 2,809 |
| Average equity | $20,775,000 | 3,121 |
| Average total loans | $169,890,670 | 2,417 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 1,213 |
| Cost of funding earning assets | 0.4475% | 2,614 |
| Net interest margin | 4.1733% | 1,162 |
| Noninterest income to average assets | 1.8644% | 377 |
| Noninterest expense to average assets | 4.4963% | 398 |
| Loan and lease loss provision to assets | 0.0368% | 3,175 |
| Net operating income to assets | 1.0878% | 1,951 |
| Return on assets (ROA) | 1.0896% | 2,043 |
| Pretax return on assets | 1.1264% | 2,987 |
| Return on Equity (ROE) | 11.5473% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.5473% | 570 |
| Net charge-offs to loans | 0.0024% | 3,042 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 631.0000% | 80 |
| Efficiency ratio | 79.4730% | 1,670 |
| Assets per employee ($millions) | 2.5605% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 3,591 |
| Loan loss allowance to noncurrent loans | 342.9066% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 4,140 |
| Noncurrent loans to loans | 0.3445% | 4,201 |
| Net loans and leases to total assets | 76.1865% | 1,364 |
| Net loans and leases to deposits | 88.2615% | 1,799 |
| Net loans and leases to core deposits | 107.9700% | 973 |
| Total domestic deposits to total assets | 86.3190% | 2,529 |
| Equity capital to assets | 9.5812% | 4,584 |
| Core capital (leverage) ratio | 9.3741% | 4,391 |
| Tier 1 risk-based capital ratio | 10.5433% | 5,732 |
| Total risk-based capital ratio | 11.5940% | 5,737 |
| Memoranda: | ||
| Average total assets | $217,333,000 | 2,806 |
| Average earning assets | $197,540,000 | 2,848 |
| Average equity | $20,507,000 | 3,150 |
| Average total loans | $167,549,000 | 2,432 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 1,602 |
| Cost of funding earning assets | 0.3654% | 3,529 |
| Net interest margin | 4.1331% | 1,330 |
| Noninterest income to average assets | 2.4788% | 267 |
| Noninterest expense to average assets | 4.7325% | 349 |
| Loan and lease loss provision to assets | 0.0317% | 3,732 |
| Net operating income to assets | 1.4304% | 986 |
| Return on assets (ROA) | 1.4331% | 1,006 |
| Pretax return on assets | 1.4739% | 1,638 |
| Return on Equity (ROE) | 15.1271% | 667 |
| Retained earnings to average equity (ytd only) | 5.5008% | 2,083 |
| Net charge-offs to loans | 0.0183% | 3,916 |
| Credit loss provision to net charge-offs | 231.0345% | 1,235 |
| Earnings coverage of net charge-offs (x) | 109.3793% | 538 |
| Efficiency ratio | 75.8985% | 2,290 |
| Assets per employee ($millions) | 2.5836% | 5,849 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 3,627 |
| Loan loss allowance to noncurrent loans | 291.2463% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 3,878 |
| Noncurrent loans to loans | 0.4029% | 4,011 |
| Net loans and leases to total assets | 76.1848% | 1,381 |
| Net loans and leases to deposits | 93.1271% | 1,298 |
| Net loans and leases to core deposits | 114.5564% | 654 |
| Total domestic deposits to total assets | 81.8073% | 4,225 |
| Equity capital to assets | 9.2899% | 4,805 |
| Core capital (leverage) ratio | 9.3216% | 4,443 |
| Tier 1 risk-based capital ratio | 10.2877% | 5,869 |
| Total risk-based capital ratio | 11.3340% | 5,862 |
| Memoranda: | ||
| Average total assets | $211,073,800 | 2,836 |
| Average earning assets | $191,843,000 | 2,874 |
| Average equity | $19,997,200 | 3,168 |
| Average total loans | $158,714,800 | 2,489 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 1,612 |
| Cost of funding earning assets | 0.3624% | 3,628 |
| Net interest margin | 4.1307% | 1,323 |
| Noninterest income to average assets | 2.4988% | 264 |
| Noninterest expense to average assets | 4.8163% | 333 |
| Loan and lease loss provision to assets | 0.0242% | 3,791 |
| Net operating income to assets | 1.3818% | 1,155 |
| Return on assets (ROA) | 1.3855% | 1,196 |
| Pretax return on assets | 1.4250% | 1,915 |
| Return on Equity (ROE) | 14.5515% | 799 |
| Retained earnings to average equity (ytd only) | 9.7076% | 691 |
| Net charge-offs to loans | 0.0128% | 3,729 |
| Credit loss provision to net charge-offs | 253.3333% | 1,127 |
| Earnings coverage of net charge-offs (x) | 151.4630% | 466 |
| Efficiency ratio | 76.9176% | 2,102 |
| Assets per employee ($millions) | 2.5195% | 5,954 |
| Cash dividends to net income (ytd only)* | 33.2873% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 3,321 |
| Loan loss allowance to noncurrent loans | 188.5770% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 3,428 |
| Noncurrent loans to loans | 0.6671% | 3,329 |
| Net loans and leases to total assets | 72.2432% | 2,021 |
| Net loans and leases to deposits | 84.0987% | 2,399 |
| Net loans and leases to core deposits | 109.4884% | 903 |
| Total domestic deposits to total assets | 85.9028% | 2,584 |
| Equity capital to assets | 9.7473% | 4,456 |
| Core capital (leverage) ratio | 9.5095% | 4,291 |
| Tier 1 risk-based capital ratio | 11.1045% | 5,606 |
| Total risk-based capital ratio | 12.2054% | 5,589 |
| Memoranda: | ||
| Average total assets | $209,587,000 | 2,876 |
| Average earning assets | $190,923,000 | 2,905 |
| Average equity | $19,956,250 | 3,202 |
| Average total loans | $156,568,500 | 2,524 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 1,467 |
| Cost of funding earning assets | 0.3597% | 3,707 |
| Net interest margin | 4.1633% | 1,193 |
| Noninterest income to average assets | 2.5150% | 271 |
| Noninterest expense to average assets | 4.7821% | 341 |
| Loan and lease loss provision to assets | 0.0124% | 3,871 |
| Net operating income to assets | 1.4705% | 949 |
| Return on assets (ROA) | 1.4705% | 1,000 |
| Pretax return on assets | 1.5098% | 1,620 |
| Return on Equity (ROE) | 15.5686% | 659 |
| Retained earnings to average equity (ytd only) | 12.5279% | 349 |
| Net charge-offs to loans | 0.0064% | 3,680 |
| Credit loss provision to net charge-offs | 260.0000% | 1,021 |
| Earnings coverage of net charge-offs (x) | 318.0000% | 215 |
| Efficiency ratio | 75.8542% | 2,387 |
| Assets per employee ($millions) | 2.5183% | 6,018 |
| Cash dividends to net income (ytd only)* | 19.5313% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,641 |
| Loan loss allowance to noncurrent loans | 271.8706% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 3,941 |
| Noncurrent loans to loans | 0.4507% | 4,118 |
| Net loans and leases to total assets | 72.7895% | 1,846 |
| Net loans and leases to deposits | 84.4069% | 2,264 |
| Net loans and leases to core deposits | 108.0737% | 947 |
| Total domestic deposits to total assets | 86.2364% | 2,563 |
| Equity capital to assets | 9.5110% | 4,638 |
| Core capital (leverage) ratio | 9.3567% | 4,479 |
| Tier 1 risk-based capital ratio | 10.5947% | 5,887 |
| Total risk-based capital ratio | 11.6485% | 5,902 |
| Memoranda: | ||
| Average total assets | $208,903,330 | 2,903 |
| Average earning assets | $190,139,000 | 2,933 |
| Average equity | $19,732,000 | 3,244 |
| Average total loans | $157,144,000 | 2,521 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 1,780 |
| Cost of funding earning assets | 0.3564% | 3,789 |
| Net interest margin | 4.0403% | 1,439 |
| Noninterest income to average assets | 2.2101% | 320 |
| Noninterest expense to average assets | 4.7459% | 358 |
| Loan and lease loss provision to assets | 0.0097% | 3,596 |
| Net operating income to assets | 1.0837% | 1,925 |
| Return on assets (ROA) | 1.0837% | 2,039 |
| Pretax return on assets | 1.1244% | 2,976 |
| Return on Equity (ROE) | 11.5148% | 1,474 |
| Retained earnings to average equity (ytd only) | 11.5148% | 640 |
| Net charge-offs to loans | 0.0102% | 2,991 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 146.2500% | 361 |
| Efficiency ratio | 80.7122% | 1,800 |
| Assets per employee ($millions) | 2.4758% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 3,787 |
| Loan loss allowance to noncurrent loans | 223.6934% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 3,726 |
| Noncurrent loans to loans | 0.5497% | 3,933 |
| Net loans and leases to total assets | 75.2833% | 1,311 |
| Net loans and leases to deposits | 87.4421% | 1,680 |
| Net loans and leases to core deposits | 105.7793% | 954 |
| Total domestic deposits to total assets | 86.0951% | 2,894 |
| Equity capital to assets | 9.6054% | 4,628 |
| Core capital (leverage) ratio | 9.2743% | 4,620 |
| Tier 1 risk-based capital ratio | 10.5374% | 6,002 |
| Total risk-based capital ratio | 11.6189% | 6,005 |
| Memoranda: | ||
| Average total assets | $206,326,500 | 2,947 |
| Average earning assets | $187,411,500 | 2,970 |
| Average equity | $19,418,500 | 3,300 |
| Average total loans | $156,844,000 | 2,527 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 2,122 |
| Cost of funding earning assets | 0.3998% | 3,691 |
| Net interest margin | 4.0318% | 1,798 |
| Noninterest income to average assets | 2.6940% | 217 |
| Noninterest expense to average assets | 4.8734% | 341 |
| Loan and lease loss provision to assets | 0.1142% | 2,265 |
| Net operating income to assets | 1.2883% | 1,331 |
| Return on assets (ROA) | 1.2941% | 1,367 |
| Pretax return on assets | 1.3347% | 2,129 |
| Return on Equity (ROE) | 13.3869% | 1,065 |
| Retained earnings to average equity (ytd only) | 1.9850% | 4,799 |
| Net charge-offs to loans | 0.1528% | 2,511 |
| Credit loss provision to net charge-offs | 105.0691% | 2,284 |
| Earnings coverage of net charge-offs (x) | 13.2719% | 2,285 |
| Efficiency ratio | 77.1555% | 2,335 |
| Assets per employee ($millions) | 2.3541% | 6,248 |
| Cash dividends to net income (ytd only)* | 85.1723% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 3,852 |
| Loan loss allowance to noncurrent loans | 197.5385% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 3,905 |
| Noncurrent loans to loans | 0.6208% | 3,825 |
| Net loans and leases to total assets | 74.8861% | 1,435 |
| Net loans and leases to deposits | 88.5056% | 1,669 |
| Net loans and leases to core deposits | 107.9807% | 892 |
| Total domestic deposits to total assets | 84.6117% | 3,450 |
| Equity capital to assets | 9.2193% | 5,046 |
| Core capital (leverage) ratio | 9.2294% | 4,636 |
| Tier 1 risk-based capital ratio | 10.5395% | 6,084 |
| Total risk-based capital ratio | 11.6541% | 6,082 |
| Memoranda: | ||
| Average total assets | $199,593,000 | 3,006 |
| Average earning assets | $179,325,400 | 3,055 |
| Average equity | $19,295,000 | 3,254 |
| Average total loans | $142,061,600 | 2,683 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,189 |
| Cost of funding earning assets | 0.4092% | 3,690 |
| Net interest margin | 3.9990% | 1,885 |
| Noninterest income to average assets | 2.8433% | 204 |
| Noninterest expense to average assets | 5.0000% | 310 |
| Loan and lease loss provision to assets | 0.1025% | 2,324 |
| Net operating income to assets | 1.2897% | 1,397 |
| Return on assets (ROA) | 1.2976% | 1,434 |
| Pretax return on assets | 1.3340% | 2,260 |
| Return on Equity (ROE) | 13.2613% | 1,148 |
| Retained earnings to average equity (ytd only) | 8.0919% | 1,313 |
| Net charge-offs to loans | 0.1388% | 2,410 |
| Credit loss provision to net charge-offs | 105.5556% | 2,109 |
| Earnings coverage of net charge-offs (x) | 14.7080% | 2,119 |
| Efficiency ratio | 77.7801% | 2,218 |
| Assets per employee ($millions) | 2.3853% | 6,305 |
| Cash dividends to net income (ytd only)* | 38.9815% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 3,426 |
| Loan loss allowance to noncurrent loans | 179.1240% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 3,929 |
| Noncurrent loans to loans | 0.7501% | 3,724 |
| Net loans and leases to total assets | 70.4311% | 2,126 |
| Net loans and leases to deposits | 82.3116% | 2,385 |
| Net loans and leases to core deposits | 99.3614% | 1,425 |
| Total domestic deposits to total assets | 85.5664% | 3,086 |
| Equity capital to assets | 9.9338% | 4,252 |
| Core capital (leverage) ratio | 9.7575% | 3,985 |
| Tier 1 risk-based capital ratio | 12.0160% | 5,474 |
| Total risk-based capital ratio | 13.2319% | 5,416 |
| Memoranda: | ||
| Average total assets | $197,700,250 | 3,045 |
| Average earning assets | $177,240,750 | 3,101 |
| Average equity | $19,344,000 | 3,246 |
| Average total loans | $138,311,250 | 2,754 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 2,492 |
| Cost of funding earning assets | 0.4230% | 3,621 |
| Net interest margin | 3.9041% | 2,146 |
| Noninterest income to average assets | 2.7031% | 220 |
| Noninterest expense to average assets | 4.9479% | 322 |
| Loan and lease loss provision to assets | 0.1463% | 1,687 |
| Net operating income to assets | 1.0613% | 2,071 |
| Return on assets (ROA) | 1.0731% | 2,109 |
| Pretax return on assets | 1.1097% | 3,067 |
| Return on Equity (ROE) | 11.0245% | 1,735 |
| Retained earnings to average equity (ytd only) | 8.9365% | 1,007 |
| Net charge-offs to loans | 0.2282% | 1,673 |
| Credit loss provision to net charge-offs | 92.3077% | 2,140 |
| Earnings coverage of net charge-offs (x) | 7.8462% | 2,570 |
| Efficiency ratio | 79.9114% | 2,039 |
| Assets per employee ($millions) | 2.3528% | 6,375 |
| Cash dividends to net income (ytd only)* | 18.9394% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 3,718 |
| Loan loss allowance to noncurrent loans | 135.6633% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 3,562 |
| Noncurrent loans to loans | 0.9775% | 3,280 |
| Net loans and leases to total assets | 70.7650% | 1,960 |
| Net loans and leases to deposits | 82.4930% | 2,194 |
| Net loans and leases to core deposits | 98.6869% | 1,395 |
| Total domestic deposits to total assets | 85.7830% | 3,163 |
| Equity capital to assets | 9.8202% | 4,323 |
| Core capital (leverage) ratio | 9.3627% | 4,513 |
| Tier 1 risk-based capital ratio | 11.9128% | 5,589 |
| Total risk-based capital ratio | 13.1258% | 5,532 |
| Memoranda: | ||
| Average total assets | $196,811,670 | 3,071 |
| Average earning assets | $175,867,330 | 3,129 |
| Average equity | $19,157,330 | 3,262 |
| Average total loans | $136,734,330 | 2,769 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,670 |
| Cost of funding earning assets | 0.4372% | 3,572 |
| Net interest margin | 3.8217% | 2,380 |
| Noninterest income to average assets | 2.5673% | 229 |
| Noninterest expense to average assets | 4.9584% | 325 |
| Loan and lease loss provision to assets | 0.2356% | 939 |
| Net operating income to assets | 0.7397% | 3,487 |
| Return on assets (ROA) | 0.7397% | 3,568 |
| Pretax return on assets | 0.7765% | 4,194 |
| Return on Equity (ROE) | 7.6335% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.6335% | 1,756 |
| Net charge-offs to loans | 0.3868% | 943 |
| Credit loss provision to net charge-offs | 89.1473% | 1,809 |
| Earnings coverage of net charge-offs (x) | 3.8295% | 2,622 |
| Efficiency ratio | 83.0474% | 1,794 |
| Assets per employee ($millions) | 2.3762% | 6,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 3,630 |
| Loan loss allowance to noncurrent loans | 133.4270% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 3,702 |
| Noncurrent loans to loans | 1.0453% | 3,333 |
| Net loans and leases to total assets | 67.2988% | 2,337 |
| Net loans and leases to deposits | 78.1955% | 2,529 |
| Net loans and leases to core deposits | 88.9402% | 2,005 |
| Total domestic deposits to total assets | 86.0647% | 3,334 |
| Equity capital to assets | 9.5736% | 4,398 |
| Core capital (leverage) ratio | 9.5626% | 4,187 |
| Tier 1 risk-based capital ratio | 11.9400% | 5,679 |
| Total risk-based capital ratio | 13.1872% | 5,611 |
| Memoranda: | ||
| Average total assets | $195,224,500 | 3,108 |
| Average earning assets | $173,848,500 | 3,173 |
| Average equity | $18,916,500 | 3,289 |
| Average total loans | $133,390,500 | 2,833 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 2,549 |
| Cost of funding earning assets | 0.5013% | 3,595 |
| Net interest margin | 3.9084% | 2,258 |
| Noninterest income to average assets | 3.2746% | 200 |
| Noninterest expense to average assets | 4.9652% | 360 |
| Loan and lease loss provision to assets | 0.0104% | 4,917 |
| Net operating income to assets | 1.7297% | 556 |
| Return on assets (ROA) | 1.7297% | 574 |
| Pretax return on assets | 1.7698% | 812 |
| Return on Equity (ROE) | 17.2017% | 488 |
| Retained earnings to average equity (ytd only) | 0.2434% | 5,737 |
| Net charge-offs to loans | 0.0839% | 4,037 |
| Credit loss provision to net charge-offs | 18.6916% | 4,470 |
| Earnings coverage of net charge-offs (x) | 31.9533% | 1,120 |
| Efficiency ratio | 73.6086% | 3,194 |
| Assets per employee ($millions) | 2.2720% | 6,534 |
| Cash dividends to net income (ytd only)* | 98.5852% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,346 |
| Loan loss allowance to noncurrent loans | 105.8596% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 2,871 |
| Noncurrent loans to loans | 1.3857% | 2,821 |
| Net loans and leases to total assets | 67.4029% | 2,456 |
| Net loans and leases to deposits | 78.8352% | 2,614 |
| Net loans and leases to core deposits | 93.4794% | 1,637 |
| Total domestic deposits to total assets | 85.4984% | 3,512 |
| Equity capital to assets | 9.8109% | 4,025 |
| Core capital (leverage) ratio | 9.4960% | 4,279 |
| Tier 1 risk-based capital ratio | 11.9963% | 5,612 |
| Total risk-based capital ratio | 13.2466% | 5,556 |
| Memoranda: | ||
| Average total assets | $192,056,200 | 3,125 |
| Average earning assets | $170,554,400 | 3,213 |
| Average equity | $19,312,000 | 3,243 |
| Average total loans | $127,542,600 | 2,897 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 2,627 |
| Cost of funding earning assets | 0.5123% | 3,644 |
| Net interest margin | 3.8772% | 2,356 |
| Noninterest income to average assets | 3.5190% | 197 |
| Noninterest expense to average assets | 5.1652% | 307 |
| Loan and lease loss provision to assets | 0.0139% | 4,725 |
| Net operating income to assets | 1.7488% | 581 |
| Return on assets (ROA) | 1.7488% | 605 |
| Pretax return on assets | 1.7862% | 934 |
| Return on Equity (ROE) | 17.2872% | 513 |
| Retained earnings to average equity (ytd only) | 5.9817% | 2,424 |
| Net charge-offs to loans | 0.1104% | 3,436 |
| Credit loss provision to net charge-offs | 19.0476% | 4,088 |
| Earnings coverage of net charge-offs (x) | 24.7327% | 1,412 |
| Efficiency ratio | 74.1566% | 3,037 |
| Assets per employee ($millions) | 2.4473% | 6,517 |
| Cash dividends to net income (ytd only)* | 65.3984% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,480 |
| Loan loss allowance to noncurrent loans | 115.2828% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0975% | 3,460 |
| Noncurrent loans to loans | 1.2968% | 3,238 |
| Net loans and leases to total assets | 66.1351% | 2,617 |
| Net loans and leases to deposits | 77.9736% | 2,669 |
| Net loans and leases to core deposits | 94.2373% | 1,551 |
| Total domestic deposits to total assets | 84.8173% | 3,834 |
| Equity capital to assets | 10.2599% | 3,564 |
| Core capital (leverage) ratio | 9.8646% | 3,869 |
| Tier 1 risk-based capital ratio | 12.8750% | 5,210 |
| Total risk-based capital ratio | 14.1262% | 5,148 |
| Memoranda: | ||
| Average total assets | $192,358,250 | 3,146 |
| Average earning assets | $170,979,500 | 3,230 |
| Average equity | $19,459,000 | 3,250 |
| Average total loans | $126,790,250 | 2,932 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 2,520 |
| Cost of funding earning assets | 0.5274% | 3,631 |
| Net interest margin | 3.8844% | 2,258 |
| Noninterest income to average assets | 3.6920% | 199 |
| Noninterest expense to average assets | 5.1979% | 311 |
| Loan and lease loss provision to assets | 0.0207% | 4,483 |
| Net operating income to assets | 1.8802% | 441 |
| Return on assets (ROA) | 1.8802% | 475 |
| Pretax return on assets | 1.9186% | 721 |
| Return on Equity (ROE) | 18.6744% | 412 |
| Retained earnings to average equity (ytd only) | 11.9792% | 494 |
| Net charge-offs to loans | 0.0348% | 4,195 |
| Credit loss provision to net charge-offs | 90.9091% | 2,418 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 533 |
| Efficiency ratio | 72.8277% | 3,333 |
| Assets per employee ($millions) | 2.5345% | 6,468 |
| Cash dividends to net income (ytd only)* | 35.8522% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 3,038 |
| Loan loss allowance to noncurrent loans | 111.4270% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.9594% | 2,206 |
| Noncurrent loans to loans | 1.4649% | 3,111 |
| Net loans and leases to total assets | 61.7279% | 3,345 |
| Net loans and leases to deposits | 72.5919% | 3,366 |
| Net loans and leases to core deposits | 83.0515% | 2,690 |
| Total domestic deposits to total assets | 85.0342% | 3,870 |
| Equity capital to assets | 10.1338% | 3,746 |
| Core capital (leverage) ratio | 9.8787% | 3,674 |
| Tier 1 risk-based capital ratio | 13.7571% | 4,601 |
| Total risk-based capital ratio | 15.0092% | 4,568 |
| Memoranda: | ||
| Average total assets | $192,848,330 | 3,153 |
| Average earning assets | $171,042,330 | 3,237 |
| Average equity | $19,417,000 | 3,274 |
| Average total loans | $126,333,670 | 2,950 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 1,929 |
| Cost of funding earning assets | 0.5525% | 3,551 |
| Net interest margin | 4.0143% | 1,731 |
| Noninterest income to average assets | 3.2385% | 231 |
| Noninterest expense to average assets | 5.0184% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7132% | 566 |
| Return on assets (ROA) | 1.7132% | 627 |
| Pretax return on assets | 1.7528% | 965 |
| Return on Equity (ROE) | 17.0713% | 504 |
| Retained earnings to average equity (ytd only) | 17.0713% | 225 |
| Net charge-offs to loans | -0.0125% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1140% | 3,243 |
| Assets per employee ($millions) | 2.6912% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 3,440 |
| Loan loss allowance to noncurrent loans | 248.4511% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 2.1484% | 2,187 |
| Noncurrent loans to loans | 0.6402% | 4,846 |
| Net loans and leases to total assets | 64.9279% | 2,547 |
| Net loans and leases to deposits | 76.4084% | 2,569 |
| Net loans and leases to core deposits | 87.1727% | 1,993 |
| Total domestic deposits to total assets | 84.9748% | 4,052 |
| Equity capital to assets | 10.2752% | 3,825 |
| Core capital (leverage) ratio | 9.8816% | 3,552 |
| Tier 1 risk-based capital ratio | 13.1316% | 5,121 |
| Total risk-based capital ratio | 14.3834% | 5,072 |
| Memoranda: | ||
| Average total assets | $191,693,500 | 3,202 |
| Average earning assets | $168,696,500 | 3,297 |
| Average equity | $19,237,000 | 3,346 |
| Average total loans | $128,267,500 | 2,921 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 2,623 |
| Cost of funding earning assets | 0.6428% | 3,981 |
| Net interest margin | 4.0512% | 2,194 |
| Noninterest income to average assets | 3.8763% | 189 |
| Noninterest expense to average assets | 4.9325% | 392 |
| Loan and lease loss provision to assets | 0.0748% | 4,788 |
| Net operating income to assets | 2.4518% | 165 |
| Return on assets (ROA) | 2.4518% | 180 |
| Pretax return on assets | 2.4921% | 259 |
| Return on Equity (ROE) | 24.8748% | 132 |
| Retained earnings to average equity (ytd only) | 7.2018% | 1,472 |
| Net charge-offs to loans | 0.0533% | 5,185 |
| Credit loss provision to net charge-offs | 204.2857% | 1,257 |
| Earnings coverage of net charge-offs (x) | 70.1000% | 524 |
| Efficiency ratio | 65.7715% | 4,550 |
| Assets per employee ($millions) | 2.7087% | 6,419 |
| Cash dividends to net income (ytd only)* | 71.0476% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,597 |
| Loan loss allowance to noncurrent loans | 167.7284% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 2.5469% | 1,910 |
| Noncurrent loans to loans | 0.9144% | 4,354 |
| Net loans and leases to total assets | 66.8019% | 2,404 |
| Net loans and leases to deposits | 78.0821% | 2,518 |
| Net loans and leases to core deposits | 89.0570% | 1,960 |
| Total domestic deposits to total assets | 85.5534% | 3,584 |
| Equity capital to assets | 9.7969% | 4,452 |
| Core capital (leverage) ratio | 9.4611% | 4,167 |
| Tier 1 risk-based capital ratio | 12.1354% | 5,697 |
| Total risk-based capital ratio | 13.3866% | 5,659 |
| Memoranda: | ||
| Average total assets | $191,162,600 | 3,163 |
| Average earning assets | $170,961,400 | 3,218 |
| Average equity | $18,842,400 | 3,353 |
| Average total loans | $131,323,200 | 2,858 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 2,577 |
| Cost of funding earning assets | 0.6559% | 4,142 |
| Net interest margin | 4.0939% | 2,111 |
| Noninterest income to average assets | 3.7008% | 194 |
| Noninterest expense to average assets | 4.8086% | 423 |
| Loan and lease loss provision to assets | 0.0782% | 4,661 |
| Net operating income to assets | 2.4595% | 189 |
| Return on assets (ROA) | 2.4595% | 205 |
| Pretax return on assets | 2.4979% | 288 |
| Return on Equity (ROE) | 24.9144% | 145 |
| Retained earnings to average equity (ytd only) | 17.6261% | 134 |
| Net charge-offs to loans | 0.0405% | 5,081 |
| Credit loss provision to net charge-offs | 280.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 92.2035% | 456 |
| Efficiency ratio | 65.1154% | 4,611 |
| Assets per employee ($millions) | 2.7609% | 6,410 |
| Cash dividends to net income (ytd only)* | 29.2531% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 3,733 |
| Loan loss allowance to noncurrent loans | 95.5110% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 3.1430% | 1,646 |
| Noncurrent loans to loans | 1.6226% | 3,360 |
| Net loans and leases to total assets | 64.8157% | 2,876 |
| Net loans and leases to deposits | 76.2371% | 2,943 |
| Net loans and leases to core deposits | 86.9583% | 2,348 |
| Total domestic deposits to total assets | 85.0185% | 3,734 |
| Equity capital to assets | 10.2203% | 4,176 |
| Core capital (leverage) ratio | 9.9140% | 3,675 |
| Tier 1 risk-based capital ratio | 13.0137% | 5,239 |
| Total risk-based capital ratio | 14.2652% | 5,196 |
| Memoranda: | ||
| Average total assets | $190,874,500 | 3,196 |
| Average earning assets | $171,764,500 | 3,237 |
| Average equity | $18,842,750 | 3,385 |
| Average total loans | $131,536,250 | 2,888 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 2,623 |
| Cost of funding earning assets | 0.6768% | 4,208 |
| Net interest margin | 4.0961% | 2,112 |
| Noninterest income to average assets | 3.4680% | 210 |
| Noninterest expense to average assets | 4.7695% | 441 |
| Loan and lease loss provision to assets | 0.0053% | 5,585 |
| Net operating income to assets | 2.3398% | 223 |
| Return on assets (ROA) | 2.3398% | 257 |
| Pretax return on assets | 2.3790% | 363 |
| Return on Equity (ROE) | 23.9948% | 180 |
| Retained earnings to average equity (ytd only) | 19.8746% | 108 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6716% | 4,387 |
| Assets per employee ($millions) | 2.7383% | 6,490 |
| Cash dividends to net income (ytd only)* | 17.1713% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 4,242 |
| Loan loss allowance to noncurrent loans | 98.9253% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 3.2354% | 1,682 |
| Noncurrent loans to loans | 1.4683% | 3,708 |
| Net loans and leases to total assets | 66.5191% | 2,564 |
| Net loans and leases to deposits | 77.8101% | 2,701 |
| Net loans and leases to core deposits | 90.0093% | 1,984 |
| Total domestic deposits to total assets | 85.4889% | 3,616 |
| Equity capital to assets | 9.8002% | 4,628 |
| Core capital (leverage) ratio | 9.6264% | 3,956 |
| Tier 1 risk-based capital ratio | 12.2284% | 5,768 |
| Total risk-based capital ratio | 13.4787% | 5,756 |
| Memoranda: | ||
| Average total assets | $189,158,670 | 3,226 |
| Average earning assets | $170,211,330 | 3,267 |
| Average equity | $18,445,670 | 3,435 |
| Average total loans | $132,364,000 | 2,882 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 2,461 |
| Cost of funding earning assets | 0.7154% | 4,150 |
| Net interest margin | 4.1291% | 1,997 |
| Noninterest income to average assets | 3.1735% | 222 |
| Noninterest expense to average assets | 4.7916% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0545% | 379 |
| Return on assets (ROA) | 2.0545% | 440 |
| Pretax return on assets | 2.0977% | 639 |
| Return on Equity (ROE) | 21.1245% | 313 |
| Retained earnings to average equity (ytd only) | 21.1245% | 157 |
| Net charge-offs to loans | -0.0091% | 5,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5516% | 3,889 |
| Assets per employee ($millions) | 2.7111% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 4,157 |
| Loan loss allowance to noncurrent loans | 82.8755% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 2.9703% | 1,950 |
| Noncurrent loans to loans | 1.8087% | 3,398 |
| Net loans and leases to total assets | 66.8630% | 2,320 |
| Net loans and leases to deposits | 78.1467% | 2,482 |
| Net loans and leases to core deposits | 91.0761% | 1,740 |
| Total domestic deposits to total assets | 85.5609% | 3,762 |
| Equity capital to assets | 9.7383% | 4,470 |
| Core capital (leverage) ratio | 9.6906% | 3,780 |
| Tier 1 risk-based capital ratio | 11.8949% | 6,030 |
| Total risk-based capital ratio | 13.1456% | 6,018 |
| Memoranda: | ||
| Average total assets | $185,158,000 | 3,295 |
| Average earning assets | $166,622,000 | 3,338 |
| Average equity | $18,007,500 | 3,504 |
| Average total loans | $132,005,000 | 2,910 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 3,009 |
| Cost of funding earning assets | 0.9930% | 3,431 |
| Net interest margin | 3.9796% | 2,987 |
| Noninterest income to average assets | 2.7047% | 239 |
| Noninterest expense to average assets | 4.2386% | 771 |
| Loan and lease loss provision to assets | 0.0371% | 6,101 |
| Net operating income to assets | 1.9042% | 374 |
| Return on assets (ROA) | 1.9026% | 405 |
| Pretax return on assets | 1.9413% | 609 |
| Return on Equity (ROE) | 19.2871% | 297 |
| Retained earnings to average equity (ytd only) | 0.2076% | 5,742 |
| Net charge-offs to loans | 0.0550% | 5,769 |
| Credit loss provision to net charge-offs | 98.5294% | 3,646 |
| Earnings coverage of net charge-offs (x) | 52.6029% | 531 |
| Efficiency ratio | 68.1592% | 4,325 |
| Assets per employee ($millions) | 2.8657% | 6,343 |
| Cash dividends to net income (ytd only)* | 98.9235% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 4,347 |
| Loan loss allowance to noncurrent loans | 89.9673% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 3.0481% | 1,970 |
| Noncurrent loans to loans | 1.5852% | 3,786 |
| Net loans and leases to total assets | 73.8125% | 1,305 |
| Net loans and leases to deposits | 88.5526% | 1,315 |
| Net loans and leases to core deposits | 103.5688% | 926 |
| Total domestic deposits to total assets | 83.3544% | 4,605 |
| Equity capital to assets | 9.7120% | 4,578 |
| Core capital (leverage) ratio | 9.3456% | 4,257 |
| Tier 1 risk-based capital ratio | 11.1519% | 6,372 |
| Total risk-based capital ratio | 12.4022% | 6,354 |
| Memoranda: | ||
| Average total assets | $180,649,200 | 3,323 |
| Average earning assets | $159,515,200 | 3,416 |
| Average equity | $17,820,200 | 3,450 |
| Average total loans | $123,733,200 | 3,108 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 3,333 |
| Cost of funding earning assets | 1.0397% | 3,391 |
| Net interest margin | 3.9090% | 3,341 |
| Noninterest income to average assets | 2.4751% | 267 |
| Noninterest expense to average assets | 4.1067% | 891 |
| Loan and lease loss provision to assets | 0.0391% | 5,951 |
| Net operating income to assets | 1.7430% | 575 |
| Return on assets (ROA) | 1.7416% | 636 |
| Pretax return on assets | 1.7681% | 1,013 |
| Return on Equity (ROE) | 17.5868% | 501 |
| Retained earnings to average equity (ytd only) | 6.9677% | 1,986 |
| Net charge-offs to loans | 0.0574% | 5,397 |
| Credit loss provision to net charge-offs | 101.9231% | 3,286 |
| Earnings coverage of net charge-offs (x) | 47.1357% | 679 |
| Efficiency ratio | 69.4237% | 4,051 |
| Assets per employee ($millions) | 2.8071% | 6,472 |
| Cash dividends to net income (ytd only)* | 60.3812% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 3,801 |
| Loan loss allowance to noncurrent loans | 115.4997% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 2.6027% | 2,481 |
| Noncurrent loans to loans | 1.3599% | 4,267 |
| Net loans and leases to total assets | 66.2843% | 2,830 |
| Net loans and leases to deposits | 77.7102% | 3,042 |
| Net loans and leases to core deposits | 89.8398% | 2,272 |
| Total domestic deposits to total assets | 85.2968% | 3,620 |
| Equity capital to assets | 10.1379% | 4,171 |
| Core capital (leverage) ratio | 9.7538% | 3,768 |
| Tier 1 risk-based capital ratio | 12.4701% | 5,513 |
| Total risk-based capital ratio | 13.7214% | 5,506 |
| Memoranda: | ||
| Average total assets | $180,676,500 | 3,335 |
| Average earning assets | $159,015,000 | 3,447 |
| Average equity | $17,891,750 | 3,439 |
| Average total loans | $120,869,250 | 3,178 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 3,062 |
| Cost of funding earning assets | 1.0837% | 3,363 |
| Net interest margin | 3.9361% | 3,144 |
| Noninterest income to average assets | 2.0124% | 358 |
| Noninterest expense to average assets | 4.0160% | 1,027 |
| Loan and lease loss provision to assets | 0.0167% | 6,074 |
| Net operating income to assets | 1.4060% | 1,071 |
| Return on assets (ROA) | 1.4060% | 1,132 |
| Pretax return on assets | 1.4327% | 1,716 |
| Return on Equity (ROE) | 14.3134% | 914 |
| Retained earnings to average equity (ytd only) | 4.9860% | 3,019 |
| Net charge-offs to loans | 0.0399% | 5,294 |
| Credit loss provision to net charge-offs | 62.5000% | 4,285 |
| Earnings coverage of net charge-offs (x) | 54.3750% | 583 |
| Efficiency ratio | 73.4810% | 3,468 |
| Assets per employee ($millions) | 2.9041% | 6,296 |
| Cash dividends to net income (ytd only)* | 65.1659% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 3,338 |
| Loan loss allowance to noncurrent loans | 165.6601% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 2.0966% | 3,110 |
| Noncurrent loans to loans | 1.0232% | 4,945 |
| Net loans and leases to total assets | 60.8619% | 4,113 |
| Net loans and leases to deposits | 71.0209% | 4,290 |
| Net loans and leases to core deposits | 83.7700% | 3,245 |
| Total domestic deposits to total assets | 85.6958% | 3,495 |
| Equity capital to assets | 9.8475% | 4,335 |
| Core capital (leverage) ratio | 9.5374% | 3,896 |
| Tier 1 risk-based capital ratio | 12.8079% | 5,084 |
| Total risk-based capital ratio | 14.0604% | 5,056 |
| Memoranda: | ||
| Average total assets | $180,080,670 | 3,368 |
| Average earning assets | $157,975,000 | 3,480 |
| Average equity | $17,689,670 | 3,465 |
| Average total loans | $120,200,670 | 3,227 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 2,572 |
| Cost of funding earning assets | 1.1471% | 3,174 |
| Net interest margin | 3.9697% | 2,825 |
| Noninterest income to average assets | 1.9592% | 363 |
| Noninterest expense to average assets | 4.1513% | 867 |
| Loan and lease loss provision to assets | 0.0112% | 5,770 |
| Net operating income to assets | 1.2024% | 1,513 |
| Return on assets (ROA) | 1.2024% | 1,560 |
| Pretax return on assets | 1.2293% | 2,273 |
| Return on Equity (ROE) | 12.2561% | 1,389 |
| Retained earnings to average equity (ytd only) | 5.4091% | 2,953 |
| Net charge-offs to loans | 0.0194% | 4,807 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 92.3333% | 339 |
| Efficiency ratio | 76.9934% | 2,988 |
| Assets per employee ($millions) | 2.8560% | 6,434 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,564 |
| Loan loss allowance to noncurrent loans | 335.7143% | 921 |
| Noncurrent assets plus other real estate owned to assets | 1.8074% | 3,557 |
| Noncurrent loans to loans | 0.4891% | 6,038 |
| Net loans and leases to total assets | 64.1564% | 3,410 |
| Net loans and leases to deposits | 75.8277% | 3,444 |
| Net loans and leases to core deposits | 90.6146% | 2,286 |
| Total domestic deposits to total assets | 84.6081% | 4,222 |
| Equity capital to assets | 9.8013% | 4,035 |
| Core capital (leverage) ratio | 9.4058% | 3,952 |
| Tier 1 risk-based capital ratio | 12.5418% | 5,230 |
| Total risk-based capital ratio | 13.7943% | 5,203 |
| Memoranda: | ||
| Average total assets | $178,641,000 | 3,402 |
| Average earning assets | $154,470,000 | 3,573 |
| Average equity | $17,526,000 | 3,484 |
| Average total loans | $123,664,500 | 3,185 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 2,713 |
| Cost of funding earning assets | 1.2719% | 4,073 |
| Net interest margin | 4.1193% | 2,485 |
| Noninterest income to average assets | 2.4260% | 289 |
| Noninterest expense to average assets | 4.0378% | 1,110 |
| Loan and lease loss provision to assets | 0.2456% | 4,831 |
| Net operating income to assets | 1.7856% | 432 |
| Return on assets (ROA) | 1.7856% | 468 |
| Pretax return on assets | 1.8243% | 724 |
| Return on Equity (ROE) | 17.2786% | 453 |
| Retained earnings to average equity (ytd only) | -0.6838% | 5,740 |
| Net charge-offs to loans | 0.2776% | 4,637 |
| Credit loss provision to net charge-offs | 125.1429% | 3,260 |
| Earnings coverage of net charge-offs (x) | 10.5457% | 1,692 |
| Efficiency ratio | 66.1096% | 4,948 |
| Assets per employee ($millions) | 3.0060% | 6,085 |
| Cash dividends to net income (ytd only)* | 103.9573% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 4,105 |
| Loan loss allowance to noncurrent loans | 346.1400% | 897 |
| Noncurrent assets plus other real estate owned to assets | 1.8240% | 3,596 |
| Noncurrent loans to loans | 0.4286% | 6,191 |
| Net loans and leases to total assets | 72.1938% | 2,059 |
| Net loans and leases to deposits | 85.9831% | 2,101 |
| Net loans and leases to core deposits | 101.8843% | 1,466 |
| Total domestic deposits to total assets | 83.9628% | 4,379 |
| Equity capital to assets | 9.8204% | 3,975 |
| Core capital (leverage) ratio | 9.3322% | 3,958 |
| Tier 1 risk-based capital ratio | 11.7833% | 5,666 |
| Total risk-based capital ratio | 13.0350% | 5,663 |
| Memoranda: | ||
| Average total assets | $178,316,400 | 3,407 |
| Average earning assets | $159,372,400 | 3,464 |
| Average equity | $18,427,400 | 3,362 |
| Average total loans | $126,071,600 | 3,199 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3539% | 3,101 |
| Cost of funding earning assets | 1.2908% | 4,279 |
| Net interest margin | 4.0631% | 2,797 |
| Noninterest income to average assets | 1.9056% | 406 |
| Noninterest expense to average assets | 3.7388% | 1,497 |
| Loan and lease loss provision to assets | 0.2755% | 4,383 |
| Net operating income to assets | 1.4919% | 941 |
| Return on assets (ROA) | 1.4919% | 1,019 |
| Pretax return on assets | 1.5181% | 1,564 |
| Return on Equity (ROE) | 14.2609% | 980 |
| Retained earnings to average equity (ytd only) | 12.4765% | 407 |
| Net charge-offs to loans | 0.2835% | 4,245 |
| Credit loss provision to net charge-offs | 138.7218% | 2,876 |
| Earnings coverage of net charge-offs (x) | 9.0300% | 2,076 |
| Efficiency ratio | 67.5800% | 4,546 |
| Assets per employee ($millions) | 2.9376% | 6,291 |
| Cash dividends to net income (ytd only)* | 12.5127% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 3,954 |
| Loan loss allowance to noncurrent loans | 121.9573% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 2.5805% | 2,795 |
| Noncurrent loans to loans | 1.2307% | 4,791 |
| Net loans and leases to total assets | 71.1920% | 2,437 |
| Net loans and leases to deposits | 86.0878% | 2,322 |
| Net loans and leases to core deposits | 102.4658% | 1,606 |
| Total domestic deposits to total assets | 82.6969% | 4,717 |
| Equity capital to assets | 10.9753% | 2,986 |
| Core capital (leverage) ratio | 10.6937% | 2,517 |
| Tier 1 risk-based capital ratio | 13.2937% | 4,360 |
| Total risk-based capital ratio | 14.5454% | 4,324 |
| Memoranda: | ||
| Average total assets | $178,556,500 | 3,442 |
| Average earning assets | $159,382,000 | 3,508 |
| Average equity | $18,680,000 | 3,363 |
| Average total loans | $125,097,500 | 3,262 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4026% | 2,966 |
| Cost of funding earning assets | 1.3121% | 4,462 |
| Net interest margin | 4.0905% | 2,608 |
| Noninterest income to average assets | 1.5375% | 543 |
| Noninterest expense to average assets | 3.6076% | 1,761 |
| Loan and lease loss provision to assets | 0.3600% | 3,546 |
| Net operating income to assets | 1.2010% | 1,558 |
| Return on assets (ROA) | 1.2010% | 1,626 |
| Pretax return on assets | 1.2268% | 2,329 |
| Return on Equity (ROE) | 11.6724% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.6724% | 538 |
| Net charge-offs to loans | 0.3511% | 3,597 |
| Credit loss provision to net charge-offs | 147.9263% | 2,669 |
| Earnings coverage of net charge-offs (x) | 6.5207% | 2,445 |
| Efficiency ratio | 69.4516% | 4,287 |
| Assets per employee ($millions) | 3.0496% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 3,546 |
| Loan loss allowance to noncurrent loans | 212.9244% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 2.2042% | 3,252 |
| Noncurrent loans to loans | 0.7411% | 5,775 |
| Net loans and leases to total assets | 67.3849% | 3,526 |
| Net loans and leases to deposits | 81.1402% | 3,411 |
| Net loans and leases to core deposits | 97.2472% | 2,304 |
| Total domestic deposits to total assets | 83.0475% | 4,551 |
| Equity capital to assets | 10.5388% | 3,360 |
| Core capital (leverage) ratio | 10.1176% | 3,041 |
| Tier 1 risk-based capital ratio | 13.1959% | 4,289 |
| Total risk-based capital ratio | 14.4482% | 4,244 |
| Memoranda: | ||
| Average total assets | $178,344,330 | 3,465 |
| Average earning assets | $159,443,000 | 3,527 |
| Average equity | $18,351,000 | 3,406 |
| Average total loans | $123,625,000 | 3,331 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3045% | 3,527 |
| Cost of funding earning assets | 1.3665% | 4,383 |
| Net interest margin | 3.9380% | 3,160 |
| Noninterest income to average assets | 1.2774% | 743 |
| Noninterest expense to average assets | 3.6564% | 1,603 |
| Loan and lease loss provision to assets | 0.2703% | 3,865 |
| Net operating income to assets | 0.8358% | 2,811 |
| Return on assets (ROA) | 0.8358% | 2,908 |
| Pretax return on assets | 0.8628% | 3,617 |
| Return on Equity (ROE) | 8.2237% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.2237% | 1,612 |
| Net charge-offs to loans | 0.0775% | 4,644 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 20.9583% | 1,141 |
| Efficiency ratio | 76.3405% | 3,161 |
| Assets per employee ($millions) | 3.1907% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 3,565 |
| Loan loss allowance to noncurrent loans | 231.3023% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 2.4252% | 3,003 |
| Noncurrent loans to loans | 0.6799% | 5,971 |
| Net loans and leases to total assets | 69.0440% | 3,146 |
| Net loans and leases to deposits | 84.2698% | 2,897 |
| Net loans and leases to core deposits | 96.8537% | 2,481 |
| Total domestic deposits to total assets | 81.9321% | 5,104 |
| Equity capital to assets | 10.3796% | 3,367 |
| Core capital (leverage) ratio | 9.8032% | 3,394 |
| Tier 1 risk-based capital ratio | 12.5062% | 4,742 |
| Total risk-based capital ratio | 13.7577% | 4,691 |
| Memoranda: | ||
| Average total assets | $177,553,500 | 3,532 |
| Average earning assets | $158,356,000 | 3,599 |
| Average equity | $18,045,500 | 3,471 |
| Average total loans | $123,844,000 | 3,384 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 3,861 |
| Cost of funding earning assets | 2.0833% | 2,553 |
| Net interest margin | 3.4682% | 5,090 |
| Noninterest income to average assets | 1.7733% | 471 |
| Noninterest expense to average assets | 3.6216% | 2,098 |
| Loan and lease loss provision to assets | 0.7106% | 2,988 |
| Net operating income to assets | 0.5570% | 3,495 |
| Return on assets (ROA) | 0.5570% | 3,579 |
| Pretax return on assets | 0.5717% | 3,982 |
| Return on Equity (ROE) | 5.7721% | 3,304 |
| Retained earnings to average equity (ytd only) | 2.1170% | 3,627 |
| Net charge-offs to loans | 0.6902% | 3,117 |
| Credit loss provision to net charge-offs | 144.5465% | 3,301 |
| Earnings coverage of net charge-offs (x) | 2.6085% | 3,811 |
| Efficiency ratio | 73.8520% | 3,927 |
| Assets per employee ($millions) | 3.2658% | 5,572 |
| Cash dividends to net income (ytd only)* | 63.3232% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 3,844 |
| Loan loss allowance to noncurrent loans | 146.2272% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 2.6495% | 2,651 |
| Noncurrent loans to loans | 1.0105% | 5,294 |
| Net loans and leases to total assets | 68.3374% | 3,631 |
| Net loans and leases to deposits | 82.4957% | 3,547 |
| Net loans and leases to core deposits | 113.0538% | 2,594 |
| Total domestic deposits to total assets | 82.8376% | 4,590 |
| Equity capital to assets | 9.9522% | 3,828 |
| Core capital (leverage) ratio | 9.6155% | 3,574 |
| Tier 1 risk-based capital ratio | 12.0725% | 4,878 |
| Total risk-based capital ratio | 13.3233% | 4,846 |
| Memoranda: | ||
| Average total assets | $177,186,600 | 3,483 |
| Average earning assets | $159,939,000 | 3,523 |
| Average equity | $17,099,400 | 3,653 |
| Average total loans | $126,190,200 | 3,348 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5289% | 4,280 |
| Cost of funding earning assets | 2.1917% | 2,447 |
| Net interest margin | 3.3371% | 5,499 |
| Noninterest income to average assets | 1.8832% | 420 |
| Noninterest expense to average assets | 3.6878% | 1,849 |
| Loan and lease loss provision to assets | 0.4259% | 3,774 |
| Net operating income to assets | 0.7596% | 2,988 |
| Return on assets (ROA) | 0.7596% | 3,050 |
| Pretax return on assets | 0.7943% | 3,558 |
| Return on Equity (ROE) | 7.9342% | 2,667 |
| Retained earnings to average equity (ytd only) | 4.7795% | 2,618 |
| Net charge-offs to loans | 0.2106% | 4,716 |
| Credit loss provision to net charge-offs | 282.0000% | 1,492 |
| Earnings coverage of net charge-offs (x) | 8.0800% | 2,310 |
| Efficiency ratio | 75.1385% | 3,666 |
| Assets per employee ($millions) | 3.3158% | 5,352 |
| Cash dividends to net income (ytd only)* | 39.7614% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 3,616 |
| Loan loss allowance to noncurrent loans | 54.0476% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.7813% | 2,493 |
| Noncurrent loans to loans | 2.7128% | 2,793 |
| Net loans and leases to total assets | 68.1601% | 3,924 |
| Net loans and leases to deposits | 81.9178% | 4,038 |
| Net loans and leases to core deposits | 108.7932% | 3,372 |
| Total domestic deposits to total assets | 83.2054% | 4,112 |
| Equity capital to assets | 9.6078% | 4,610 |
| Core capital (leverage) ratio | 9.2040% | 4,329 |
| Tier 1 risk-based capital ratio | 11.8373% | 5,117 |
| Total risk-based capital ratio | 13.0881% | 5,059 |
| Memoranda: | ||
| Average total assets | $176,578,500 | 3,515 |
| Average earning assets | $160,052,750 | 3,549 |
| Average equity | $16,905,250 | 3,721 |
| Average total loans | $126,590,750 | 3,367 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 4,554 |
| Cost of funding earning assets | 2.3191% | 2,280 |
| Net interest margin | 3.1938% | 5,938 |
| Noninterest income to average assets | 1.8810% | 414 |
| Noninterest expense to average assets | 3.6335% | 1,989 |
| Loan and lease loss provision to assets | 0.5735% | 2,717 |
| Net operating income to assets | 0.5360% | 3,954 |
| Return on assets (ROA) | 0.5360% | 4,057 |
| Pretax return on assets | 0.5701% | 4,407 |
| Return on Equity (ROE) | 5.6051% | 3,819 |
| Retained earnings to average equity (ytd only) | 2.9870% | 3,660 |
| Net charge-offs to loans | 0.2933% | 3,722 |
| Credit loss provision to net charge-offs | 269.5187% | 1,731 |
| Earnings coverage of net charge-offs (x) | 5.3743% | 2,846 |
| Efficiency ratio | 76.0600% | 3,680 |
| Assets per employee ($millions) | 2.9602% | 6,236 |
| Cash dividends to net income (ytd only)* | 46.7091% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 3,631 |
| Loan loss allowance to noncurrent loans | 57.0968% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.6857% | 2,391 |
| Noncurrent loans to loans | 2.4849% | 2,917 |
| Net loans and leases to total assets | 69.2427% | 3,893 |
| Net loans and leases to deposits | 82.7682% | 4,091 |
| Net loans and leases to core deposits | 106.4079% | 3,792 |
| Total domestic deposits to total assets | 83.6586% | 3,941 |
| Equity capital to assets | 9.4578% | 4,663 |
| Core capital (leverage) ratio | 8.8875% | 4,802 |
| Tier 1 risk-based capital ratio | 11.5652% | 5,314 |
| Total risk-based capital ratio | 12.8155% | 5,252 |
| Memoranda: | ||
| Average total assets | $175,754,000 | 3,545 |
| Average earning assets | $159,371,000 | 3,569 |
| Average equity | $16,806,000 | 3,751 |
| Average total loans | $127,501,670 | 3,390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0122% | 2,308 |
| Cost of funding earning assets | 2.4135% | 2,238 |
| Net interest margin | 3.5988% | 4,321 |
| Noninterest income to average assets | 1.6474% | 505 |
| Noninterest expense to average assets | 3.4892% | 2,128 |
| Loan and lease loss provision to assets | 0.1464% | 5,065 |
| Net operating income to assets | 1.2355% | 1,541 |
| Return on assets (ROA) | 1.2355% | 1,653 |
| Pretax return on assets | 1.2698% | 2,377 |
| Return on Equity (ROE) | 12.8495% | 1,427 |
| Retained earnings to average equity (ytd only) | 12.8495% | 661 |
| Net charge-offs to loans | 0.0031% | 5,686 |
| Credit loss provision to net charge-offs | 6,400.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 619.0000% | 31 |
| Efficiency ratio | 71.1287% | 4,340 |
| Assets per employee ($millions) | 2.9449% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 5,031 |
| Loan loss allowance to noncurrent loans | 155.0102% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 1.1194% | 4,445 |
| Noncurrent loans to loans | 0.7501% | 5,557 |
| Net loans and leases to total assets | 72.9325% | 3,022 |
| Net loans and leases to deposits | 88.5581% | 3,186 |
| Net loans and leases to core deposits | 118.3709% | 2,560 |
| Total domestic deposits to total assets | 82.3555% | 4,420 |
| Equity capital to assets | 9.6709% | 4,423 |
| Core capital (leverage) ratio | 9.2407% | 4,347 |
| Tier 1 risk-based capital ratio | 11.3469% | 5,551 |
| Total risk-based capital ratio | 12.4138% | 5,663 |
| Memoranda: | ||
| Average total assets | $174,826,000 | 3,578 |
| Average earning assets | $158,277,000 | 3,606 |
| Average equity | $16,810,000 | 3,764 |
| Average total loans | $128,876,500 | 3,391 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7957% | 1,692 |
| Cost of funding earning assets | 3.1422% | 1,377 |
| Net interest margin | 3.6534% | 4,660 |
| Noninterest income to average assets | 1.2869% | 889 |
| Noninterest expense to average assets | 3.2537% | 3,143 |
| Loan and lease loss provision to assets | 0.8124% | 1,832 |
| Net operating income to assets | 0.4866% | 4,802 |
| Return on assets (ROA) | 0.6698% | 3,872 |
| Pretax return on assets | 0.7077% | 4,372 |
| Return on Equity (ROE) | 7.2835% | 3,381 |
| Retained earnings to average equity (ytd only) | -5.5784% | 6,600 |
| Net charge-offs to loans | 0.7188% | 1,719 |
| Credit loss provision to net charge-offs | 150.8791% | 3,479 |
| Earnings coverage of net charge-offs (x) | 2.4648% | 4,842 |
| Efficiency ratio | 71.0282% | 4,129 |
| Assets per employee ($millions) | 3.3913% | 4,966 |
| Cash dividends to net income (ytd only)* | 176.5901% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 4,987 |
| Loan loss allowance to noncurrent loans | 72.9784% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.0410% | 2,411 |
| Noncurrent loans to loans | 1.5632% | 3,443 |
| Net loans and leases to total assets | 72.8019% | 3,410 |
| Net loans and leases to deposits | 88.2748% | 3,761 |
| Net loans and leases to core deposits | 117.1704% | 2,985 |
| Total domestic deposits to total assets | 82.4719% | 4,007 |
| Equity capital to assets | 9.5584% | 4,599 |
| Core capital (leverage) ratio | 9.1886% | 4,463 |
| Tier 1 risk-based capital ratio | 11.1744% | 5,564 |
| Total risk-based capital ratio | 12.2164% | 5,662 |
| Memoranda: | ||
| Average total assets | $169,006,200 | 3,568 |
| Average earning assets | $152,376,600 | 3,608 |
| Average equity | $15,542,000 | 4,016 |
| Average total loans | $126,594,200 | 3,323 |