Home > Chippewa Valley Bank > Performance and Condition Ratios
Chippewa Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7088% | 916 |
| Cost of funding earning assets | 1.0023% | 3,285 |
| Net interest margin | 4.7065% | 473 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.1176% | 3,364 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.4232% | 263 |
| Return on assets (ROA) | 2.4233% | 256 |
| Pretax return on assets | 2.6106% | 298 |
| Return on Equity (ROE) | 27.2700% | 238 |
| Retained earnings to average equity (ytd only) | 8.0227% | 1,530 |
| Net charge-offs to loans | 0.0430% | 1,464 |
| Credit loss provision to net charge-offs | 105.2632% | 1,794 |
| Earnings coverage of net charge-offs (x) | 90.1789% | 956 |
| Efficiency ratio | 44.2778% | 4,243 |
| Assets per employee ($millions) | 7.9039% | 1,488 |
| Cash dividends to net income (ytd only)* | 70.5789% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 3,948 |
| Loan loss allowance to noncurrent loans | 211.9428% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 1,902 |
| Noncurrent loans to loans | 0.3809% | 1,845 |
| Net loans and leases to total assets | 68.8200% | 1,944 |
| Net loans and leases to deposits | 93.5023% | 975 |
| Net loans and leases to core deposits | 124.8796% | 511 |
| Total domestic deposits to total assets | 73.6000% | 4,129 |
| Equity capital to assets | 8.6538% | 2,930 |
| Core capital (leverage) ratio | 8.7467% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7886% | 1,940 |
| Memoranda: | ||
| Average total assets | $648,703,000 | 1,375 |
| Average earning assets | $620,675,400 | 1,342 |
| Average equity | $57,648,800 | 1,431 |
| Average total loans | $441,793,400 | 1,366 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5084% | 1,007 |
| Cost of funding earning assets | 0.7972% | 3,524 |
| Net interest margin | 4.7112% | 455 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.1010% | 3,354 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.5121% | 265 |
| Return on assets (ROA) | 2.5123% | 261 |
| Pretax return on assets | 2.6469% | 333 |
| Return on Equity (ROE) | 28.0700% | 271 |
| Retained earnings to average equity (ytd only) | 10.7136% | 1,212 |
| Net charge-offs to loans | 0.0588% | 1,081 |
| Credit loss provision to net charge-offs | 104.7120% | 1,586 |
| Earnings coverage of net charge-offs (x) | 67.4555% | 1,136 |
| Efficiency ratio | 43.6457% | 4,250 |
| Assets per employee ($millions) | 7.9338% | 1,378 |
| Cash dividends to net income (ytd only)* | 61.8355% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 3,878 |
| Loan loss allowance to noncurrent loans | 227.6759% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 1,873 |
| Noncurrent loans to loans | 0.3721% | 1,900 |
| Net loans and leases to total assets | 69.2700% | 1,908 |
| Net loans and leases to deposits | 99.5722% | 533 |
| Net loans and leases to core deposits | 114.8967% | 696 |
| Total domestic deposits to total assets | 69.5700% | 4,336 |
| Equity capital to assets | 9.1422% | 2,329 |
| Core capital (leverage) ratio | 9.3683% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2140% | 1,814 |
| Memoranda: | ||
| Average total assets | $638,968,250 | 1,393 |
| Average earning assets | $613,470,250 | 1,352 |
| Average equity | $57,184,250 | 1,430 |
| Average total loans | $432,970,250 | 1,381 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 1,093 |
| Cost of funding earning assets | 0.7086% | 3,461 |
| Net interest margin | 4.5832% | 547 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.1831% | 3,124 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3696% | 283 |
| Return on assets (ROA) | 2.3696% | 277 |
| Pretax return on assets | 2.4971% | 363 |
| Return on Equity (ROE) | 26.6700% | 300 |
| Retained earnings to average equity (ytd only) | 9.3229% | 1,599 |
| Net charge-offs to loans | 0.0869% | 745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 42.8649% | 1,372 |
| Efficiency ratio | 46.4173% | 4,147 |
| Assets per employee ($millions) | 7.2567% | 1,741 |
| Cash dividends to net income (ytd only)* | 65.0498% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 3,944 |
| Loan loss allowance to noncurrent loans | 210.3569% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 1,799 |
| Noncurrent loans to loans | 0.3961% | 1,746 |
| Net loans and leases to total assets | 68.5600% | 1,907 |
| Net loans and leases to deposits | 96.3130% | 718 |
| Net loans and leases to core deposits | 109.8318% | 832 |
| Total domestic deposits to total assets | 71.1800% | 4,323 |
| Equity capital to assets | 9.2156% | 2,364 |
| Core capital (leverage) ratio | 9.0326% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7553% | 1,637 |
| Memoranda: | ||
| Average total assets | $635,140,667 | 1,400 |
| Average earning assets | $612,456,667 | 1,357 |
| Average equity | $56,420,000 | 1,447 |
| Average total loans | $425,796,333 | 1,385 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0318% | 1,171 |
| Cost of funding earning assets | 0.5921% | 3,402 |
| Net interest margin | 4.4397% | 639 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.9504% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4774% | 249 |
| Return on assets (ROA) | 2.4774% | 246 |
| Pretax return on assets | 2.5910% | 320 |
| Return on Equity (ROE) | 28.4100% | 272 |
| Retained earnings to average equity (ytd only) | 14.2034% | 916 |
| Net charge-offs to loans | 0.0113% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 345.8333% | 325 |
| Efficiency ratio | 42.7138% | 4,359 |
| Assets per employee ($millions) | 7.5747% | 1,576 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 3,874 |
| Loan loss allowance to noncurrent loans | 175.5825% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 1,524 |
| Noncurrent loans to loans | 0.5088% | 1,447 |
| Net loans and leases to total assets | 64.9300% | 2,160 |
| Net loans and leases to deposits | 89.4858% | 1,091 |
| Net loans and leases to core deposits | 101.0852% | 1,040 |
| Total domestic deposits to total assets | 72.5600% | 4,341 |
| Equity capital to assets | 8.8322% | 2,642 |
| Core capital (leverage) ratio | 8.7752% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9140% | 1,654 |
| Memoranda: | ||
| Average total assets | $640,674,000 | 1,412 |
| Average earning assets | $618,783,500 | 1,365 |
| Average equity | $55,874,000 | 1,472 |
| Average total loans | $422,970,000 | 1,410 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 2,815 |
| Cost of funding earning assets | 0.4080% | 2,023 |
| Net interest margin | 3.1894% | 2,896 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.7790% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5529% | 775 |
| Return on assets (ROA) | 1.5529% | 741 |
| Pretax return on assets | 1.6183% | 1,118 |
| Return on Equity (ROE) | 19.6100% | 517 |
| Retained earnings to average equity (ytd only) | 9.5356% | 1,303 |
| Net charge-offs to loans | 0.0095% | 2,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 266.5500% | 535 |
| Efficiency ratio | 51.7938% | 3,997 |
| Assets per employee ($millions) | 7.5000% | 1,618 |
| Cash dividends to net income (ytd only)* | 51.3733% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 3,746 |
| Loan loss allowance to noncurrent loans | 271.2571% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 2,046 |
| Noncurrent loans to loans | 0.3339% | 1,956 |
| Net loans and leases to total assets | 65.9300% | 2,050 |
| Net loans and leases to deposits | 89.4135% | 1,096 |
| Net loans and leases to core deposits | 100.8824% | 949 |
| Total domestic deposits to total assets | 73.7300% | 4,366 |
| Equity capital to assets | 8.6089% | 2,628 |
| Core capital (leverage) ratio | 8.3670% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4552% | 1,795 |
| Memoranda: | ||
| Average total assets | $658,835,600 | 1,363 |
| Average earning assets | $636,510,200 | 1,322 |
| Average equity | $52,172,800 | 1,561 |
| Average total loans | $422,534,000 | 1,333 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2403% | 3,334 |
| Cost of funding earning assets | 0.3867% | 1,386 |
| Net interest margin | 2.8535% | 3,614 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.7457% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2874% | 1,396 |
| Return on assets (ROA) | 1.2874% | 1,364 |
| Pretax return on assets | 1.3490% | 1,889 |
| Return on Equity (ROE) | 16.6000% | 874 |
| Retained earnings to average equity (ytd only) | 10.3333% | 1,246 |
| Net charge-offs to loans | 0.0051% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 365 |
| Efficiency ratio | 55.6889% | 3,649 |
| Assets per employee ($millions) | 8.1402% | 1,251 |
| Cash dividends to net income (ytd only)* | 37.7670% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 3,795 |
| Loan loss allowance to noncurrent loans | 239.3189% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 1,997 |
| Noncurrent loans to loans | 0.3849% | 1,854 |
| Net loans and leases to total assets | 63.0500% | 2,184 |
| Net loans and leases to deposits | 84.4441% | 1,269 |
| Net loans and leases to core deposits | 94.8994% | 1,049 |
| Total domestic deposits to total assets | 74.6600% | 4,428 |
| Equity capital to assets | 8.1744% | 2,775 |
| Core capital (leverage) ratio | 8.0627% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5979% | 1,846 |
| Memoranda: | ||
| Average total assets | $664,169,500 | 1,360 |
| Average earning assets | $641,945,500 | 1,323 |
| Average equity | $51,495,500 | 1,606 |
| Average total loans | $422,135,000 | 1,325 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9341% | 3,711 |
| Cost of funding earning assets | 0.3944% | 955 |
| Net interest margin | 2.5397% | 4,020 |
| Noninterest income to average assets | 0.2899% | 3,434 |
| Noninterest expense to average assets | 1.7441% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9484% | 2,364 |
| Return on assets (ROA) | 0.9484% | 2,338 |
| Pretax return on assets | 1.0045% | 2,714 |
| Return on Equity (ROE) | 12.4550% | 1,538 |
| Retained earnings to average equity (ytd only) | 6.5845% | 2,143 |
| Net charge-offs to loans | 0.0038% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 303 |
| Efficiency ratio | 62.5902% | 2,970 |
| Assets per employee ($millions) | 7.9626% | 1,331 |
| Cash dividends to net income (ytd only)* | 47.1334% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 3,891 |
| Loan loss allowance to noncurrent loans | 312.5908% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 2,307 |
| Noncurrent loans to loans | 0.2947% | 2,286 |
| Net loans and leases to total assets | 63.0285% | 2,010 |
| Net loans and leases to deposits | 84.4166% | 1,092 |
| Net loans and leases to core deposits | 95.2143% | 858 |
| Total domestic deposits to total assets | 74.6636% | 4,512 |
| Equity capital to assets | 7.8040% | 3,262 |
| Core capital (leverage) ratio | 7.7819% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8850% | 2,107 |
| Memoranda: | ||
| Average total assets | $665,774,333 | 1,365 |
| Average earning assets | $644,553,333 | 1,334 |
| Average equity | $50,694,667 | 1,664 |
| Average total loans | $422,985,000 | 1,321 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8111% | 3,724 |
| Cost of funding earning assets | 0.4049% | 841 |
| Net interest margin | 2.4062% | 4,060 |
| Noninterest income to average assets | 0.2370% | 3,724 |
| Noninterest expense to average assets | 1.6103% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8967% | 2,281 |
| Return on assets (ROA) | 0.8967% | 2,282 |
| Pretax return on assets | 0.9674% | 2,544 |
| Return on Equity (ROE) | 11.9234% | 1,334 |
| Retained earnings to average equity (ytd only) | 5.5239% | 2,406 |
| Net charge-offs to loans | 0.0047% | 1,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 323.2000% | 301 |
| Efficiency ratio | 61.5420% | 3,318 |
| Assets per employee ($millions) | 8.0334% | 1,341 |
| Cash dividends to net income (ytd only)* | 53.6716% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 3,992 |
| Loan loss allowance to noncurrent loans | 331.2821% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 2,556 |
| Noncurrent loans to loans | 0.2770% | 2,479 |
| Net loans and leases to total assets | 62.7614% | 1,769 |
| Net loans and leases to deposits | 83.6444% | 906 |
| Net loans and leases to core deposits | 96.0986% | 651 |
| Total domestic deposits to total assets | 75.0335% | 4,538 |
| Equity capital to assets | 7.5890% | 3,865 |
| Core capital (leverage) ratio | 7.4987% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7495% | 2,325 |
| Memoranda: | ||
| Average total assets | $668,214,000 | 1,370 |
| Average earning assets | $649,997,000 | 1,326 |
| Average equity | $50,254,000 | 1,739 |
| Average total loans | $424,265,000 | 1,312 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0515% | 3,780 |
| Cost of funding earning assets | 0.4996% | 931 |
| Net interest margin | 2.5519% | 4,119 |
| Noninterest income to average assets | 0.2318% | 3,992 |
| Noninterest expense to average assets | 1.6810% | 4,322 |
| Loan and lease loss provision to assets | 0.0343% | 2,371 |
| Net operating income to assets | 0.9038% | 3,028 |
| Return on assets (ROA) | 0.9038% | 3,093 |
| Pretax return on assets | 0.9862% | 3,297 |
| Return on Equity (ROE) | 12.2973% | 1,715 |
| Retained earnings to average equity (ytd only) | 5.7448% | 2,460 |
| Net charge-offs to loans | 0.0168% | 1,953 |
| Credit loss provision to net charge-offs | 312.5000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 92.8889% | 910 |
| Efficiency ratio | 61.3330% | 2,961 |
| Assets per employee ($millions) | 7.8783% | 1,400 |
| Cash dividends to net income (ytd only)* | 53.2838% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,039 |
| Loan loss allowance to noncurrent loans | 365.7870% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,814 |
| Noncurrent loans to loans | 0.2490% | 2,733 |
| Net loans and leases to total assets | 63.0619% | 1,817 |
| Net loans and leases to deposits | 83.7717% | 914 |
| Net loans and leases to core deposits | 96.0611% | 686 |
| Total domestic deposits to total assets | 75.2783% | 4,538 |
| Equity capital to assets | 7.4526% | 4,609 |
| Core capital (leverage) ratio | 7.3338% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5066% | 2,450 |
| Memoranda: | ||
| Average total assets | $655,370,600 | 1,355 |
| Average earning assets | $634,283,600 | 1,318 |
| Average equity | $48,165,000 | 1,815 |
| Average total loans | $427,440,000 | 1,308 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1181% | 3,772 |
| Cost of funding earning assets | 0.5202% | 955 |
| Net interest margin | 2.5979% | 4,133 |
| Noninterest income to average assets | 0.2318% | 4,012 |
| Noninterest expense to average assets | 1.6569% | 4,394 |
| Loan and lease loss provision to assets | 0.0460% | 2,079 |
| Net operating income to assets | 0.9633% | 3,038 |
| Return on assets (ROA) | 0.9633% | 3,124 |
| Pretax return on assets | 1.0389% | 3,353 |
| Return on Equity (ROE) | 13.1544% | 1,653 |
| Retained earnings to average equity (ytd only) | 6.8076% | 2,489 |
| Net charge-offs to loans | 0.0228% | 1,589 |
| Credit loss provision to net charge-offs | 308.2192% | 988 |
| Earnings coverage of net charge-offs (x) | 72.6575% | 1,044 |
| Efficiency ratio | 59.5419% | 3,062 |
| Assets per employee ($millions) | 7.9736% | 1,278 |
| Cash dividends to net income (ytd only)* | 48.2480% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 4,059 |
| Loan loss allowance to noncurrent loans | 294.6090% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 2,810 |
| Noncurrent loans to loans | 0.3170% | 2,643 |
| Net loans and leases to total assets | 60.7304% | 2,170 |
| Net loans and leases to deposits | 80.3829% | 1,250 |
| Net loans and leases to core deposits | 91.9617% | 926 |
| Total domestic deposits to total assets | 75.5513% | 4,571 |
| Equity capital to assets | 7.3149% | 4,753 |
| Core capital (leverage) ratio | 7.1314% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9725% | 2,375 |
| Memoranda: | ||
| Average total assets | $651,798,750 | 1,373 |
| Average earning assets | $629,765,750 | 1,333 |
| Average equity | $47,729,500 | 1,853 |
| Average total loans | $427,755,000 | 1,330 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2470% | 3,569 |
| Cost of funding earning assets | 0.5453% | 966 |
| Net interest margin | 2.7017% | 3,978 |
| Noninterest income to average assets | 0.2279% | 4,033 |
| Noninterest expense to average assets | 1.6842% | 4,383 |
| Loan and lease loss provision to assets | 0.0466% | 2,087 |
| Net operating income to assets | 1.0278% | 2,798 |
| Return on assets (ROA) | 1.0278% | 2,877 |
| Pretax return on assets | 1.1024% | 3,208 |
| Return on Equity (ROE) | 14.0299% | 1,404 |
| Retained earnings to average equity (ytd only) | 7.7133% | 2,189 |
| Net charge-offs to loans | 0.0310% | 1,349 |
| Credit loss provision to net charge-offs | 223.8806% | 1,003 |
| Earnings coverage of net charge-offs (x) | 55.1493% | 1,015 |
| Efficiency ratio | 58.5775% | 3,204 |
| Assets per employee ($millions) | 8.0283% | 1,199 |
| Cash dividends to net income (ytd only)* | 45.0227% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,156 |
| Loan loss allowance to noncurrent loans | 285.0411% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 2,973 |
| Noncurrent loans to loans | 0.3153% | 2,791 |
| Net loans and leases to total assets | 59.4823% | 2,482 |
| Net loans and leases to deposits | 72.7491% | 2,140 |
| Net loans and leases to core deposits | 82.9804% | 1,639 |
| Total domestic deposits to total assets | 81.7636% | 3,966 |
| Equity capital to assets | 6.9296% | 4,860 |
| Core capital (leverage) ratio | 7.1792% | 4,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7061% | 2,478 |
| Memoranda: | ||
| Average total assets | $643,146,667 | 1,380 |
| Average earning assets | $620,197,667 | 1,344 |
| Average equity | $47,113,667 | 1,863 |
| Average total loans | $431,845,667 | 1,325 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 3,672 |
| Cost of funding earning assets | 0.5857% | 935 |
| Net interest margin | 2.6225% | 4,107 |
| Noninterest income to average assets | 0.2296% | 4,004 |
| Noninterest expense to average assets | 1.7028% | 4,373 |
| Loan and lease loss provision to assets | 0.0491% | 2,105 |
| Net operating income to assets | 0.9211% | 3,077 |
| Return on assets (ROA) | 0.9211% | 3,152 |
| Pretax return on assets | 0.9995% | 3,371 |
| Return on Equity (ROE) | 12.1926% | 1,948 |
| Retained earnings to average equity (ytd only) | 5.2303% | 3,158 |
| Net charge-offs to loans | 0.0037% | 1,795 |
| Credit loss provision to net charge-offs | 1,875.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 400.7500% | 229 |
| Efficiency ratio | 60.9368% | 2,914 |
| Assets per employee ($millions) | 7.3712% | 1,543 |
| Cash dividends to net income (ytd only)* | 57.1023% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,222 |
| Loan loss allowance to noncurrent loans | 286.2849% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,099 |
| Noncurrent loans to loans | 0.3062% | 3,000 |
| Net loans and leases to total assets | 67.7676% | 1,556 |
| Net loans and leases to deposits | 85.1523% | 1,035 |
| Net loans and leases to core deposits | 99.0818% | 756 |
| Total domestic deposits to total assets | 79.5841% | 4,257 |
| Equity capital to assets | 7.3343% | 4,762 |
| Core capital (leverage) ratio | 7.3967% | 4,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9705% | 2,679 |
| Memoranda: | ||
| Average total assets | $611,475,500 | 1,426 |
| Average earning assets | $587,994,000 | 1,386 |
| Average equity | $46,192,000 | 1,880 |
| Average total loans | $435,745,000 | 1,317 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 2,316 |
| Cost of funding earning assets | 0.7803% | 1,300 |
| Net interest margin | 3.3573% | 2,910 |
| Noninterest income to average assets | 0.2764% | 3,823 |
| Noninterest expense to average assets | 2.0084% | 4,126 |
| Loan and lease loss provision to assets | 0.0602% | 3,619 |
| Net operating income to assets | 1.2797% | 1,306 |
| Return on assets (ROA) | 1.2797% | 1,407 |
| Pretax return on assets | 1.4164% | 1,606 |
| Return on Equity (ROE) | 16.2498% | 473 |
| Retained earnings to average equity (ytd only) | 8.5918% | 880 |
| Net charge-offs to loans | 0.0039% | 3,221 |
| Credit loss provision to net charge-offs | 2,031.2500% | 438 |
| Earnings coverage of net charge-offs (x) | 498.2500% | 236 |
| Efficiency ratio | 56.7898% | 3,885 |
| Assets per employee ($millions) | 6.9298% | 1,626 |
| Cash dividends to net income (ytd only)* | 47.1269% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 4,320 |
| Loan loss allowance to noncurrent loans | 338.2940% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 3,333 |
| Noncurrent loans to loans | 0.2515% | 3,296 |
| Net loans and leases to total assets | 73.7432% | 1,060 |
| Net loans and leases to deposits | 92.5298% | 746 |
| Net loans and leases to core deposits | 105.7572% | 652 |
| Total domestic deposits to total assets | 79.6968% | 4,104 |
| Equity capital to assets | 7.7908% | 4,776 |
| Core capital (leverage) ratio | 7.5498% | 4,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0909% | 2,898 |
| Memoranda: | ||
| Average total assets | $539,875,600 | 1,453 |
| Average earning assets | $515,982,400 | 1,420 |
| Average equity | $42,517,400 | 1,923 |
| Average total loans | $408,643,800 | 1,330 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,384 |
| Cost of funding earning assets | 0.8199% | 1,397 |
| Net interest margin | 3.3866% | 2,958 |
| Noninterest income to average assets | 0.2815% | 3,802 |
| Noninterest expense to average assets | 2.0392% | 4,072 |
| Loan and lease loss provision to assets | 0.0821% | 3,288 |
| Net operating income to assets | 1.2560% | 1,463 |
| Return on assets (ROA) | 1.2560% | 1,581 |
| Pretax return on assets | 1.3970% | 1,749 |
| Return on Equity (ROE) | 15.9007% | 557 |
| Retained earnings to average equity (ytd only) | 8.6318% | 1,101 |
| Net charge-offs to loans | 0.0043% | 3,000 |
| Credit loss provision to net charge-offs | 2,500.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 450.2308% | 253 |
| Efficiency ratio | 57.1039% | 3,783 |
| Assets per employee ($millions) | 7.1413% | 1,408 |
| Cash dividends to net income (ytd only)* | 45.7143% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,252 |
| Loan loss allowance to noncurrent loans | 264.4224% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 3,201 |
| Noncurrent loans to loans | 0.3179% | 3,145 |
| Net loans and leases to total assets | 73.3734% | 1,446 |
| Net loans and leases to deposits | 91.5632% | 1,111 |
| Net loans and leases to core deposits | 103.9382% | 928 |
| Total domestic deposits to total assets | 80.1341% | 3,835 |
| Equity capital to assets | 7.4908% | 4,859 |
| Core capital (leverage) ratio | 7.4202% | 4,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6777% | 2,993 |
| Memoranda: | ||
| Average total assets | $527,587,250 | 1,463 |
| Average earning assets | $504,254,500 | 1,429 |
| Average equity | $41,674,250 | 1,944 |
| Average total loans | $401,280,500 | 1,341 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4960% | 1,929 |
| Cost of funding earning assets | 0.8794% | 1,463 |
| Net interest margin | 3.6166% | 2,429 |
| Noninterest income to average assets | 0.2836% | 3,765 |
| Noninterest expense to average assets | 2.1792% | 3,854 |
| Loan and lease loss provision to assets | 0.0894% | 3,158 |
| Net operating income to assets | 1.2973% | 1,364 |
| Return on assets (ROA) | 1.2973% | 1,476 |
| Pretax return on assets | 1.4753% | 1,511 |
| Return on Equity (ROE) | 16.0937% | 550 |
| Retained earnings to average equity (ytd only) | 8.7614% | 1,089 |
| Net charge-offs to loans | 0.0052% | 2,780 |
| Credit loss provision to net charge-offs | 2,250.0000% | 439 |
| Earnings coverage of net charge-offs (x) | 393.9000% | 262 |
| Efficiency ratio | 57.3687% | 3,769 |
| Assets per employee ($millions) | 6.6088% | 1,700 |
| Cash dividends to net income (ytd only)* | 45.5603% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 4,119 |
| Loan loss allowance to noncurrent loans | 109.6891% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 1,996 |
| Noncurrent loans to loans | 0.7949% | 1,903 |
| Net loans and leases to total assets | 71.0376% | 1,863 |
| Net loans and leases to deposits | 89.0623% | 1,439 |
| Net loans and leases to core deposits | 100.8032% | 1,199 |
| Total domestic deposits to total assets | 79.7617% | 3,887 |
| Equity capital to assets | 7.3963% | 4,904 |
| Core capital (leverage) ratio | 7.8552% | 4,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0095% | 2,965 |
| Memoranda: | ||
| Average total assets | $503,492,000 | 1,487 |
| Average earning assets | $481,716,667 | 1,454 |
| Average equity | $40,587,333 | 1,971 |
| Average total loans | $387,081,333 | 1,367 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 1,967 |
| Cost of funding earning assets | 0.9730% | 1,545 |
| Net interest margin | 3.6374% | 2,547 |
| Noninterest income to average assets | 0.3143% | 3,633 |
| Noninterest expense to average assets | 2.5622% | 3,096 |
| Loan and lease loss provision to assets | 0.0646% | 2,953 |
| Net operating income to assets | 0.9275% | 2,425 |
| Return on assets (ROA) | 0.9275% | 2,535 |
| Pretax return on assets | 1.1454% | 2,379 |
| Return on Equity (ROE) | 10.9414% | 1,426 |
| Retained earnings to average equity (ytd only) | 2.7734% | 3,169 |
| Net charge-offs to loans | 0.0086% | 2,251 |
| Credit loss provision to net charge-offs | 937.5000% | 605 |
| Earnings coverage of net charge-offs (x) | 175.6250% | 378 |
| Efficiency ratio | 67.0091% | 2,815 |
| Assets per employee ($millions) | 5.4176% | 2,208 |
| Cash dividends to net income (ytd only)* | 74.6518% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,010 |
| Loan loss allowance to noncurrent loans | 127.5521% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 2,194 |
| Noncurrent loans to loans | 0.7284% | 2,176 |
| Net loans and leases to total assets | 77.9693% | 989 |
| Net loans and leases to deposits | 97.6876% | 754 |
| Net loans and leases to core deposits | 106.9760% | 999 |
| Total domestic deposits to total assets | 79.8150% | 3,890 |
| Equity capital to assets | 8.2874% | 4,903 |
| Core capital (leverage) ratio | 8.1915% | 4,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4678% | 2,942 |
| Memoranda: | ||
| Average total assets | $464,452,500 | 1,553 |
| Average earning assets | $441,520,000 | 1,515 |
| Average equity | $39,373,500 | 2,009 |
| Average total loans | $372,238,000 | 1,376 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 1,804 |
| Cost of funding earning assets | 0.9884% | 1,775 |
| Net interest margin | 3.8950% | 2,193 |
| Noninterest income to average assets | 0.2771% | 4,023 |
| Noninterest expense to average assets | 2.3783% | 3,741 |
| Loan and lease loss provision to assets | 0.0679% | 2,652 |
| Net operating income to assets | 1.4295% | 1,243 |
| Return on assets (ROA) | 1.4295% | 1,309 |
| Pretax return on assets | 1.5400% | 1,684 |
| Return on Equity (ROE) | 16.6508% | 460 |
| Retained earnings to average equity (ytd only) | 6.5628% | 1,581 |
| Net charge-offs to loans | -0.0181% | 4,604 |
| Credit loss provision to net charge-offs | -468.7500% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7654% | 3,873 |
| Assets per employee ($millions) | 5.1381% | 2,410 |
| Cash dividends to net income (ytd only)* | 60.5859% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 3,857 |
| Loan loss allowance to noncurrent loans | 119.0460% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 1,919 |
| Noncurrent loans to loans | 0.7777% | 1,955 |
| Net loans and leases to total assets | 80.9130% | 677 |
| Net loans and leases to deposits | 100.3954% | 579 |
| Net loans and leases to core deposits | 110.5557% | 823 |
| Total domestic deposits to total assets | 80.5943% | 3,853 |
| Equity capital to assets | 8.6778% | 4,839 |
| Core capital (leverage) ratio | 8.4333% | 4,878 |
| Tier 1 risk-based capital ratio | 11.5564% | 4,600 |
| Total risk-based capital ratio | 12.5897% | 4,595 |
| Memoranda: | ||
| Average total assets | $441,752,800 | 1,593 |
| Average earning assets | $420,666,600 | 1,543 |
| Average equity | $37,926,000 | 2,011 |
| Average total loans | $353,771,800 | 1,405 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 1,735 |
| Cost of funding earning assets | 0.9869% | 1,815 |
| Net interest margin | 3.9414% | 2,129 |
| Noninterest income to average assets | 0.2587% | 4,195 |
| Noninterest expense to average assets | 2.3952% | 3,699 |
| Loan and lease loss provision to assets | 0.0455% | 2,990 |
| Net operating income to assets | 1.5651% | 1,010 |
| Return on assets (ROA) | 1.5651% | 1,066 |
| Pretax return on assets | 1.5730% | 1,730 |
| Return on Equity (ROE) | 18.2805% | 369 |
| Retained earnings to average equity (ytd only) | 7.1739% | 1,774 |
| Net charge-offs to loans | -0.0271% | 4,669 |
| Credit loss provision to net charge-offs | -211.2676% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7670% | 3,832 |
| Assets per employee ($millions) | 5.0202% | 2,539 |
| Cash dividends to net income (ytd only)* | 60.7566% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 3,976 |
| Loan loss allowance to noncurrent loans | 94.7917% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 1,711 |
| Noncurrent loans to loans | 0.9672% | 1,658 |
| Net loans and leases to total assets | 79.2424% | 953 |
| Net loans and leases to deposits | 98.6193% | 758 |
| Net loans and leases to core deposits | 108.7380% | 1,006 |
| Total domestic deposits to total assets | 80.3518% | 3,911 |
| Equity capital to assets | 8.6776% | 4,934 |
| Core capital (leverage) ratio | 8.3468% | 5,009 |
| Tier 1 risk-based capital ratio | 11.5979% | 4,626 |
| Total risk-based capital ratio | 12.6049% | 4,641 |
| Memoranda: | ||
| Average total assets | $439,152,000 | 1,603 |
| Average earning assets | $418,388,500 | 1,557 |
| Average equity | $37,598,250 | 2,038 |
| Average total loans | $349,896,750 | 1,435 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 1,722 |
| Cost of funding earning assets | 0.9722% | 1,816 |
| Net interest margin | 3.9374% | 2,130 |
| Noninterest income to average assets | 0.2148% | 4,455 |
| Noninterest expense to average assets | 2.4407% | 3,632 |
| Loan and lease loss provision to assets | 0.0687% | 2,445 |
| Net operating income to assets | 1.4439% | 1,311 |
| Return on assets (ROA) | 1.4439% | 1,360 |
| Pretax return on assets | 1.4512% | 2,023 |
| Return on Equity (ROE) | 16.9429% | 471 |
| Retained earnings to average equity (ytd only) | 5.6118% | 2,462 |
| Net charge-offs to loans | -0.0449% | 4,806 |
| Credit loss provision to net charge-offs | -192.3077% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7102% | 3,626 |
| Assets per employee ($millions) | 4.7135% | 2,862 |
| Cash dividends to net income (ytd only)* | 66.8782% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,923 |
| Loan loss allowance to noncurrent loans | 118.9493% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 2,020 |
| Noncurrent loans to loans | 0.7890% | 2,017 |
| Net loans and leases to total assets | 78.2117% | 1,185 |
| Net loans and leases to deposits | 97.0890% | 925 |
| Net loans and leases to core deposits | 106.7358% | 1,197 |
| Total domestic deposits to total assets | 80.5567% | 3,925 |
| Equity capital to assets | 8.5295% | 5,028 |
| Core capital (leverage) ratio | 8.3144% | 5,052 |
| Tier 1 risk-based capital ratio | 11.4528% | 4,709 |
| Total risk-based capital ratio | 12.4769% | 4,712 |
| Memoranda: | ||
| Average total assets | $436,604,330 | 1,606 |
| Average earning assets | $415,350,670 | 1,570 |
| Average equity | $37,207,330 | 2,049 |
| Average total loans | $347,420,000 | 1,449 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 1,808 |
| Cost of funding earning assets | 0.9498% | 1,794 |
| Net interest margin | 3.8836% | 2,241 |
| Noninterest income to average assets | 0.2464% | 4,245 |
| Noninterest expense to average assets | 2.4903% | 3,539 |
| Loan and lease loss provision to assets | 0.1384% | 1,250 |
| Net operating income to assets | 1.3088% | 1,669 |
| Return on assets (ROA) | 1.3088% | 1,709 |
| Pretax return on assets | 1.3125% | 2,405 |
| Return on Equity (ROE) | 15.3650% | 687 |
| Retained earnings to average equity (ytd only) | 3.6191% | 3,472 |
| Net charge-offs to loans | -0.0947% | 5,013 |
| Credit loss provision to net charge-offs | -182.9268% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2482% | 3,495 |
| Assets per employee ($millions) | 5.2173% | 2,261 |
| Cash dividends to net income (ytd only)* | 76.4457% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 3,974 |
| Loan loss allowance to noncurrent loans | 107.9829% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 1,892 |
| Noncurrent loans to loans | 0.8774% | 1,891 |
| Net loans and leases to total assets | 77.4918% | 1,240 |
| Net loans and leases to deposits | 95.6268% | 1,007 |
| Net loans and leases to core deposits | 104.5555% | 1,270 |
| Total domestic deposits to total assets | 81.0357% | 3,961 |
| Equity capital to assets | 8.3618% | 5,058 |
| Core capital (leverage) ratio | 8.1701% | 5,151 |
| Tier 1 risk-based capital ratio | 11.1945% | 4,885 |
| Total risk-based capital ratio | 12.2176% | 4,897 |
| Memoranda: | ||
| Average total assets | $433,370,000 | 1,617 |
| Average earning assets | $412,299,000 | 1,586 |
| Average equity | $36,915,000 | 2,063 |
| Average total loans | $346,221,000 | 1,459 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 1,858 |
| Cost of funding earning assets | 0.7088% | 2,040 |
| Net interest margin | 3.9800% | 2,060 |
| Noninterest income to average assets | 0.4281% | 3,256 |
| Noninterest expense to average assets | 2.5460% | 3,484 |
| Loan and lease loss provision to assets | 0.0873% | 2,401 |
| Net operating income to assets | 1.5483% | 997 |
| Return on assets (ROA) | 1.5483% | 992 |
| Pretax return on assets | 1.5575% | 1,599 |
| Return on Equity (ROE) | 17.5659% | 432 |
| Retained earnings to average equity (ytd only) | 7.4158% | 1,498 |
| Net charge-offs to loans | 0.1030% | 1,727 |
| Credit loss provision to net charge-offs | 107.3620% | 2,388 |
| Earnings coverage of net charge-offs (x) | 20.2239% | 2,011 |
| Efficiency ratio | 59.8107% | 3,890 |
| Assets per employee ($millions) | 4.8099% | 2,728 |
| Cash dividends to net income (ytd only)* | 57.7828% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,233 |
| Loan loss allowance to noncurrent loans | 123.2849% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 1,977 |
| Noncurrent loans to loans | 0.7172% | 2,194 |
| Net loans and leases to total assets | 80.9051% | 816 |
| Net loans and leases to deposits | 100.2524% | 722 |
| Net loans and leases to core deposits | 110.4319% | 975 |
| Total domestic deposits to total assets | 80.7014% | 3,954 |
| Equity capital to assets | 8.6819% | 4,815 |
| Core capital (leverage) ratio | 8.3484% | 5,090 |
| Tier 1 risk-based capital ratio | 11.0337% | 4,968 |
| Total risk-based capital ratio | 11.9808% | 4,990 |
| Memoranda: | ||
| Average total assets | $400,829,000 | 1,712 |
| Average earning assets | $378,940,800 | 1,680 |
| Average equity | $35,329,800 | 2,059 |
| Average total loans | $316,438,800 | 1,531 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 1,969 |
| Cost of funding earning assets | 0.6388% | 2,217 |
| Net interest margin | 3.9641% | 2,073 |
| Noninterest income to average assets | 0.4149% | 3,388 |
| Noninterest expense to average assets | 2.5737% | 3,365 |
| Loan and lease loss provision to assets | 0.0675% | 2,632 |
| Net operating income to assets | 1.5093% | 1,172 |
| Return on assets (ROA) | 1.5093% | 1,169 |
| Pretax return on assets | 1.5188% | 1,840 |
| Return on Equity (ROE) | 17.0554% | 538 |
| Retained earnings to average equity (ytd only) | 6.9457% | 2,154 |
| Net charge-offs to loans | 0.0716% | 1,814 |
| Credit loss provision to net charge-offs | 120.4819% | 1,982 |
| Earnings coverage of net charge-offs (x) | 28.3250% | 1,669 |
| Efficiency ratio | 60.9034% | 3,670 |
| Assets per employee ($millions) | 5.0861% | 2,357 |
| Cash dividends to net income (ytd only)* | 59.2758% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 4,141 |
| Loan loss allowance to noncurrent loans | 172.3847% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 2,655 |
| Noncurrent loans to loans | 0.5386% | 2,769 |
| Net loans and leases to total assets | 76.5511% | 1,576 |
| Net loans and leases to deposits | 94.5349% | 1,319 |
| Net loans and leases to core deposits | 104.0325% | 1,448 |
| Total domestic deposits to total assets | 80.9766% | 3,875 |
| Equity capital to assets | 8.4146% | 4,974 |
| Core capital (leverage) ratio | 8.2158% | 5,244 |
| Tier 1 risk-based capital ratio | 11.2772% | 4,911 |
| Total risk-based capital ratio | 12.2717% | 4,924 |
| Memoranda: | ||
| Average total assets | $395,218,750 | 1,740 |
| Average earning assets | $373,373,750 | 1,710 |
| Average equity | $34,975,250 | 2,076 |
| Average total loans | $309,173,000 | 1,554 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 2,058 |
| Cost of funding earning assets | 0.5506% | 2,601 |
| Net interest margin | 3.9614% | 1,995 |
| Noninterest income to average assets | 0.4364% | 3,245 |
| Noninterest expense to average assets | 2.5921% | 3,350 |
| Loan and lease loss provision to assets | 0.0260% | 3,394 |
| Net operating income to assets | 1.5384% | 1,056 |
| Return on assets (ROA) | 1.5384% | 1,061 |
| Pretax return on assets | 1.5488% | 1,661 |
| Return on Equity (ROE) | 17.0734% | 514 |
| Retained earnings to average equity (ytd only) | 6.8686% | 2,132 |
| Net charge-offs to loans | 0.0126% | 2,713 |
| Credit loss provision to net charge-offs | 263.1579% | 1,105 |
| Earnings coverage of net charge-offs (x) | 159.3684% | 494 |
| Efficiency ratio | 61.2207% | 3,735 |
| Assets per employee ($millions) | 4.5457% | 3,060 |
| Cash dividends to net income (ytd only)* | 59.7701% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,945 |
| Loan loss allowance to noncurrent loans | 49.1335% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.6504% | 756 |
| Noncurrent loans to loans | 1.9995% | 749 |
| Net loans and leases to total assets | 78.0375% | 1,306 |
| Net loans and leases to deposits | 97.4149% | 1,006 |
| Net loans and leases to core deposits | 102.7616% | 1,506 |
| Total domestic deposits to total assets | 80.1084% | 4,213 |
| Equity capital to assets | 8.9304% | 4,611 |
| Core capital (leverage) ratio | 8.7698% | 4,909 |
| Tier 1 risk-based capital ratio | 11.6481% | 4,718 |
| Total risk-based capital ratio | 12.6946% | 4,714 |
| Memoranda: | ||
| Average total assets | $384,547,670 | 1,794 |
| Average earning assets | $362,145,330 | 1,767 |
| Average equity | $34,650,330 | 2,099 |
| Average total loans | $302,192,000 | 1,595 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 2,261 |
| Cost of funding earning assets | 0.4955% | 2,832 |
| Net interest margin | 3.8860% | 2,100 |
| Noninterest income to average assets | 0.4316% | 3,225 |
| Noninterest expense to average assets | 2.7551% | 2,859 |
| Loan and lease loss provision to assets | 0.0528% | 2,719 |
| Net operating income to assets | 1.2778% | 1,719 |
| Return on assets (ROA) | 1.2778% | 1,724 |
| Pretax return on assets | 1.2894% | 2,410 |
| Return on Equity (ROE) | 14.1157% | 987 |
| Retained earnings to average equity (ytd only) | 4.3944% | 3,433 |
| Net charge-offs to loans | 0.0040% | 2,593 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 156 |
| Efficiency ratio | 66.2117% | 3,122 |
| Assets per employee ($millions) | 4.5493% | 3,071 |
| Cash dividends to net income (ytd only)* | 68.8687% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,831 |
| Loan loss allowance to noncurrent loans | 49.1301% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.6535% | 801 |
| Noncurrent loans to loans | 2.0820% | 750 |
| Net loans and leases to total assets | 76.1267% | 1,520 |
| Net loans and leases to deposits | 93.5191% | 1,277 |
| Net loans and leases to core deposits | 98.4445% | 1,809 |
| Total domestic deposits to total assets | 81.4023% | 4,114 |
| Equity capital to assets | 8.8195% | 4,723 |
| Core capital (leverage) ratio | 8.7351% | 4,964 |
| Tier 1 risk-based capital ratio | 11.8131% | 4,674 |
| Total risk-based capital ratio | 12.9074% | 4,659 |
| Memoranda: | ||
| Average total assets | $379,082,000 | 1,831 |
| Average earning assets | $357,589,500 | 1,796 |
| Average equity | $34,316,500 | 2,131 |
| Average total loans | $297,446,000 | 1,617 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 1,710 |
| Cost of funding earning assets | 0.3885% | 3,345 |
| Net interest margin | 4.1090% | 1,407 |
| Noninterest income to average assets | 0.2935% | 4,358 |
| Noninterest expense to average assets | 2.7213% | 3,058 |
| Loan and lease loss provision to assets | 0.0843% | 2,524 |
| Net operating income to assets | 1.3437% | 1,128 |
| Return on assets (ROA) | 1.3437% | 1,156 |
| Pretax return on assets | 1.3552% | 2,148 |
| Return on Equity (ROE) | 14.2483% | 728 |
| Retained earnings to average equity (ytd only) | 4.1607% | 2,674 |
| Net charge-offs to loans | 0.0221% | 3,362 |
| Credit loss provision to net charge-offs | 491.8033% | 637 |
| Earnings coverage of net charge-offs (x) | 84.0164% | 739 |
| Efficiency ratio | 64.2095% | 3,574 |
| Assets per employee ($millions) | 4.2666% | 3,548 |
| Cash dividends to net income (ytd only)* | 70.7985% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,734 |
| Loan loss allowance to noncurrent loans | 63.1722% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 1,030 |
| Noncurrent loans to loans | 1.6321% | 1,011 |
| Net loans and leases to total assets | 79.2929% | 1,068 |
| Net loans and leases to deposits | 95.5322% | 1,127 |
| Net loans and leases to core deposits | 100.9801% | 1,635 |
| Total domestic deposits to total assets | 83.0013% | 3,563 |
| Equity capital to assets | 9.3010% | 4,426 |
| Core capital (leverage) ratio | 8.8653% | 4,797 |
| Tier 1 risk-based capital ratio | 11.9354% | 4,577 |
| Total risk-based capital ratio | 13.0313% | 4,552 |
| Memoranda: | ||
| Average total assets | $356,038,600 | 1,887 |
| Average earning assets | $335,093,000 | 1,866 |
| Average equity | $33,576,000 | 2,149 |
| Average total loans | $275,930,400 | 1,682 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 1,833 |
| Cost of funding earning assets | 0.3571% | 3,596 |
| Net interest margin | 4.0809% | 1,442 |
| Noninterest income to average assets | 0.2770% | 4,531 |
| Noninterest expense to average assets | 2.6159% | 3,360 |
| Loan and lease loss provision to assets | 0.0566% | 2,956 |
| Net operating income to assets | 1.4291% | 1,027 |
| Return on assets (ROA) | 1.4291% | 1,050 |
| Pretax return on assets | 1.4427% | 1,967 |
| Return on Equity (ROE) | 15.1002% | 640 |
| Retained earnings to average equity (ytd only) | 4.9204% | 2,942 |
| Net charge-offs to loans | 0.0275% | 2,892 |
| Credit loss provision to net charge-offs | 267.8571% | 1,074 |
| Earnings coverage of net charge-offs (x) | 70.9510% | 885 |
| Efficiency ratio | 62.3109% | 3,833 |
| Assets per employee ($millions) | 4.5428% | 3,064 |
| Cash dividends to net income (ytd only)* | 67.4147% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 4,071 |
| Loan loss allowance to noncurrent loans | 59.0305% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.5060% | 1,011 |
| Noncurrent loans to loans | 1.6909% | 1,070 |
| Net loans and leases to total assets | 76.8443% | 1,444 |
| Net loans and leases to deposits | 92.2879% | 1,530 |
| Net loans and leases to core deposits | 97.4409% | 1,936 |
| Total domestic deposits to total assets | 83.2659% | 3,372 |
| Equity capital to assets | 9.1179% | 4,810 |
| Core capital (leverage) ratio | 9.0263% | 4,710 |
| Tier 1 risk-based capital ratio | 12.2544% | 4,463 |
| Total risk-based capital ratio | 13.3321% | 4,444 |
| Memoranda: | ||
| Average total assets | $353,316,250 | 1,910 |
| Average earning assets | $332,304,000 | 1,891 |
| Average equity | $33,438,000 | 2,170 |
| Average total loans | $271,418,250 | 1,713 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 1,681 |
| Cost of funding earning assets | 0.3102% | 3,972 |
| Net interest margin | 4.1352% | 1,235 |
| Noninterest income to average assets | 0.4134% | 3,606 |
| Noninterest expense to average assets | 2.5868% | 3,476 |
| Loan and lease loss provision to assets | 0.0865% | 2,256 |
| Net operating income to assets | 1.6038% | 705 |
| Return on assets (ROA) | 1.6038% | 725 |
| Pretax return on assets | 1.6217% | 1,275 |
| Return on Equity (ROE) | 16.7276% | 434 |
| Retained earnings to average equity (ytd only) | 6.3916% | 1,905 |
| Net charge-offs to loans | 0.0158% | 2,932 |
| Credit loss provision to net charge-offs | 714.2857% | 491 |
| Earnings coverage of net charge-offs (x) | 141.0952% | 524 |
| Efficiency ratio | 58.9530% | 4,472 |
| Assets per employee ($millions) | 4.0698% | 3,846 |
| Cash dividends to net income (ytd only)* | 61.7901% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,755 |
| Loan loss allowance to noncurrent loans | 205.2706% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 2,263 |
| Noncurrent loans to loans | 0.5194% | 3,197 |
| Net loans and leases to total assets | 75.6789% | 1,587 |
| Net loans and leases to deposits | 92.0334% | 1,487 |
| Net loans and leases to core deposits | 97.5434% | 1,848 |
| Total domestic deposits to total assets | 82.2299% | 3,822 |
| Equity capital to assets | 9.4358% | 4,475 |
| Core capital (leverage) ratio | 9.3026% | 4,366 |
| Tier 1 risk-based capital ratio | 12.7789% | 4,135 |
| Total risk-based capital ratio | 13.9235% | 4,113 |
| Memoranda: | ||
| Average total assets | $346,918,670 | 1,940 |
| Average earning assets | $325,641,000 | 1,930 |
| Average equity | $33,262,330 | 2,174 |
| Average total loans | $265,511,670 | 1,741 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 1,752 |
| Cost of funding earning assets | 0.2604% | 4,452 |
| Net interest margin | 4.1095% | 1,197 |
| Noninterest income to average assets | 0.4629% | 3,230 |
| Noninterest expense to average assets | 2.5983% | 3,512 |
| Loan and lease loss provision to assets | 0.1172% | 1,632 |
| Net operating income to assets | 1.6009% | 675 |
| Return on assets (ROA) | 1.6009% | 692 |
| Pretax return on assets | 1.6314% | 1,162 |
| Return on Equity (ROE) | 16.5593% | 456 |
| Retained earnings to average equity (ytd only) | 6.4370% | 2,116 |
| Net charge-offs to loans | 0.0092% | 2,652 |
| Credit loss provision to net charge-offs | 1,666.6667% | 196 |
| Earnings coverage of net charge-offs (x) | 248.6667% | 233 |
| Efficiency ratio | 58.5063% | 4,658 |
| Assets per employee ($millions) | 3.9192% | 4,150 |
| Cash dividends to net income (ytd only)* | 61.1274% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,830 |
| Loan loss allowance to noncurrent loans | 130.4702% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 1,489 |
| Noncurrent loans to loans | 0.8267% | 2,387 |
| Net loans and leases to total assets | 78.5319% | 1,048 |
| Net loans and leases to deposits | 93.6336% | 1,149 |
| Net loans and leases to core deposits | 98.0530% | 1,652 |
| Total domestic deposits to total assets | 83.8715% | 3,527 |
| Equity capital to assets | 9.8686% | 3,909 |
| Core capital (leverage) ratio | 9.2551% | 4,407 |
| Tier 1 risk-based capital ratio | 13.3992% | 3,836 |
| Total risk-based capital ratio | 14.6061% | 3,776 |
| Memoranda: | ||
| Average total assets | $341,305,000 | 1,982 |
| Average earning assets | $322,570,500 | 1,954 |
| Average equity | $32,996,500 | 2,197 |
| Average total loans | $261,286,500 | 1,766 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 1,047 |
| Cost of funding earning assets | 0.2666% | 4,399 |
| Net interest margin | 4.4437% | 703 |
| Noninterest income to average assets | 0.8064% | 1,730 |
| Noninterest expense to average assets | 3.0540% | 2,165 |
| Loan and lease loss provision to assets | 0.2375% | 905 |
| Net operating income to assets | 1.6492% | 612 |
| Return on assets (ROA) | 1.6559% | 630 |
| Pretax return on assets | 1.6559% | 1,119 |
| Return on Equity (ROE) | 17.7085% | 348 |
| Retained earnings to average equity (ytd only) | 8.5557% | 681 |
| Net charge-offs to loans | 0.1577% | 1,696 |
| Credit loss provision to net charge-offs | 199.2405% | 1,425 |
| Earnings coverage of net charge-offs (x) | 15.8278% | 2,168 |
| Efficiency ratio | 60.7928% | 4,457 |
| Assets per employee ($millions) | 3.9720% | 4,018 |
| Cash dividends to net income (ytd only)* | 51.6858% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,737 |
| Loan loss allowance to noncurrent loans | 140.3015% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 2,117 |
| Noncurrent loans to loans | 0.7804% | 2,569 |
| Net loans and leases to total assets | 72.9839% | 2,015 |
| Net loans and leases to deposits | 86.0098% | 2,165 |
| Net loans and leases to core deposits | 89.9290% | 2,504 |
| Total domestic deposits to total assets | 84.8554% | 3,111 |
| Equity capital to assets | 9.4718% | 4,300 |
| Core capital (leverage) ratio | 9.0820% | 4,642 |
| Tier 1 risk-based capital ratio | 13.8447% | 3,549 |
| Total risk-based capital ratio | 15.0639% | 3,481 |
| Memoranda: | ||
| Average total assets | $331,364,800 | 1,997 |
| Average earning assets | $308,303,800 | 1,987 |
| Average equity | $30,985,200 | 2,298 |
| Average total loans | $250,496,000 | 1,791 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 889 |
| Cost of funding earning assets | 0.2695% | 4,394 |
| Net interest margin | 4.5343% | 581 |
| Noninterest income to average assets | 0.9273% | 1,322 |
| Noninterest expense to average assets | 2.9390% | 2,503 |
| Loan and lease loss provision to assets | 0.3201% | 521 |
| Net operating income to assets | 1.8766% | 424 |
| Return on assets (ROA) | 1.8766% | 443 |
| Pretax return on assets | 1.8766% | 749 |
| Return on Equity (ROE) | 20.1378% | 234 |
| Retained earnings to average equity (ytd only) | 11.1818% | 405 |
| Net charge-offs to loans | 0.0700% | 2,315 |
| Credit loss provision to net charge-offs | 600.7634% | 615 |
| Earnings coverage of net charge-offs (x) | 41.2295% | 1,212 |
| Efficiency ratio | 56.2842% | 5,033 |
| Assets per employee ($millions) | 4.0886% | 3,811 |
| Cash dividends to net income (ytd only)* | 44.4733% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 3,321 |
| Loan loss allowance to noncurrent loans | 132.0086% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 1,883 |
| Noncurrent loans to loans | 0.8992% | 2,451 |
| Net loans and leases to total assets | 72.3483% | 2,139 |
| Net loans and leases to deposits | 84.9964% | 2,367 |
| Net loans and leases to core deposits | 88.6898% | 2,692 |
| Total domestic deposits to total assets | 85.1193% | 2,746 |
| Equity capital to assets | 9.2834% | 4,882 |
| Core capital (leverage) ratio | 9.0898% | 4,729 |
| Tier 1 risk-based capital ratio | 13.6249% | 3,782 |
| Total risk-based capital ratio | 14.8757% | 3,693 |
| Memoranda: | ||
| Average total assets | $327,815,750 | 2,022 |
| Average earning assets | $304,252,500 | 2,020 |
| Average equity | $30,548,750 | 2,325 |
| Average total loans | $249,371,000 | 1,797 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 955 |
| Cost of funding earning assets | 0.2736% | 4,407 |
| Net interest margin | 4.4780% | 643 |
| Noninterest income to average assets | 1.2536% | 722 |
| Noninterest expense to average assets | 3.0530% | 2,202 |
| Loan and lease loss provision to assets | 0.4921% | 270 |
| Net operating income to assets | 1.8638% | 425 |
| Return on assets (ROA) | 1.8638% | 447 |
| Pretax return on assets | 1.8638% | 755 |
| Return on Equity (ROE) | 19.9725% | 244 |
| Retained earnings to average equity (ytd only) | 10.4720% | 512 |
| Net charge-offs to loans | -0.0681% | 5,486 |
| Credit loss provision to net charge-offs | -936.9048% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6121% | 5,185 |
| Assets per employee ($millions) | 3.7151% | 4,414 |
| Cash dividends to net income (ytd only)* | 47.5679% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 3,006 |
| Loan loss allowance to noncurrent loans | 214.9146% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 2,007 |
| Noncurrent loans to loans | 0.5866% | 3,309 |
| Net loans and leases to total assets | 74.9500% | 1,658 |
| Net loans and leases to deposits | 89.2408% | 1,835 |
| Net loans and leases to core deposits | 93.3680% | 2,223 |
| Total domestic deposits to total assets | 83.9863% | 3,273 |
| Equity capital to assets | 9.2581% | 5,015 |
| Core capital (leverage) ratio | 9.1234% | 4,686 |
| Tier 1 risk-based capital ratio | 12.9362% | 4,239 |
| Total risk-based capital ratio | 14.1879% | 4,150 |
| Memoranda: | ||
| Average total assets | $319,882,000 | 2,075 |
| Average earning assets | $296,831,000 | 2,073 |
| Average equity | $29,851,000 | 2,381 |
| Average total loans | $246,679,670 | 1,814 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 1,404 |
| Cost of funding earning assets | 0.2810% | 4,377 |
| Net interest margin | 4.2561% | 986 |
| Noninterest income to average assets | 0.4609% | 3,410 |
| Noninterest expense to average assets | 3.0195% | 2,336 |
| Loan and lease loss provision to assets | 0.2590% | 666 |
| Net operating income to assets | 1.1446% | 1,730 |
| Return on assets (ROA) | 1.1446% | 1,847 |
| Pretax return on assets | 1.1446% | 2,913 |
| Return on Equity (ROE) | 12.2121% | 1,248 |
| Retained earnings to average equity (ytd only) | 6.9073% | 1,929 |
| Net charge-offs to loans | 0.0117% | 2,737 |
| Credit loss provision to net charge-offs | 2,857.1429% | 147 |
| Earnings coverage of net charge-offs (x) | 154.8571% | 389 |
| Efficiency ratio | 67.3888% | 3,563 |
| Assets per employee ($millions) | 3.9110% | 4,104 |
| Cash dividends to net income (ytd only)* | 43.4389% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 4,168 |
| Loan loss allowance to noncurrent loans | 277.9207% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2141% | 1,795 |
| Noncurrent loans to loans | 0.3886% | 4,045 |
| Net loans and leases to total assets | 74.9742% | 1,556 |
| Net loans and leases to deposits | 89.5926% | 1,623 |
| Net loans and leases to core deposits | 91.8399% | 2,200 |
| Total domestic deposits to total assets | 83.6835% | 3,644 |
| Equity capital to assets | 9.6531% | 4,500 |
| Core capital (leverage) ratio | 9.5087% | 4,181 |
| Tier 1 risk-based capital ratio | 13.8390% | 3,787 |
| Total risk-based capital ratio | 15.0398% | 3,755 |
| Memoranda: | ||
| Average total assets | $308,928,500 | 2,138 |
| Average earning assets | $287,590,000 | 2,140 |
| Average equity | $28,955,000 | 2,438 |
| Average total loans | $240,298,500 | 1,856 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 1,443 |
| Cost of funding earning assets | 0.2963% | 4,292 |
| Net interest margin | 4.2594% | 1,046 |
| Noninterest income to average assets | 0.4800% | 3,462 |
| Noninterest expense to average assets | 3.2362% | 1,870 |
| Loan and lease loss provision to assets | 0.1855% | 1,208 |
| Net operating income to assets | 1.0097% | 2,315 |
| Return on assets (ROA) | 1.0097% | 2,402 |
| Pretax return on assets | 1.0104% | 3,427 |
| Return on Equity (ROE) | 11.4267% | 1,462 |
| Retained earnings to average equity (ytd only) | 5.5596% | 2,044 |
| Net charge-offs to loans | 0.1613% | 1,760 |
| Credit loss provision to net charge-offs | 153.0055% | 1,745 |
| Earnings coverage of net charge-offs (x) | 9.8634% | 2,766 |
| Efficiency ratio | 72.1130% | 2,893 |
| Assets per employee ($millions) | 3.5841% | 4,669 |
| Cash dividends to net income (ytd only)* | 51.3451% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 4,635 |
| Loan loss allowance to noncurrent loans | 317.4603% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 1.2319% | 1,747 |
| Noncurrent loans to loans | 0.3144% | 4,336 |
| Net loans and leases to total assets | 79.0831% | 973 |
| Net loans and leases to deposits | 94.2943% | 1,178 |
| Net loans and leases to core deposits | 96.6875% | 1,778 |
| Total domestic deposits to total assets | 83.8684% | 3,539 |
| Equity capital to assets | 9.0777% | 5,039 |
| Core capital (leverage) ratio | 8.8422% | 5,066 |
| Tier 1 risk-based capital ratio | 12.3149% | 4,755 |
| Total risk-based capital ratio | 13.4200% | 4,751 |
| Memoranda: | ||
| Average total assets | $301,862,400 | 2,138 |
| Average earning assets | $280,084,600 | 2,138 |
| Average equity | $26,674,400 | 2,581 |
| Average total loans | $226,967,800 | 1,883 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 1,780 |
| Cost of funding earning assets | 0.2989% | 4,352 |
| Net interest margin | 4.1422% | 1,298 |
| Noninterest income to average assets | 0.4794% | 3,506 |
| Noninterest expense to average assets | 3.0324% | 2,425 |
| Loan and lease loss provision to assets | 0.1810% | 1,148 |
| Net operating income to assets | 1.1194% | 1,925 |
| Return on assets (ROA) | 1.1194% | 1,998 |
| Pretax return on assets | 1.1198% | 3,139 |
| Return on Equity (ROE) | 12.7544% | 1,184 |
| Retained earnings to average equity (ytd only) | 6.8348% | 1,770 |
| Net charge-offs to loans | 0.1652% | 1,498 |
| Credit loss provision to net charge-offs | 148.0144% | 1,701 |
| Earnings coverage of net charge-offs (x) | 10.6391% | 2,578 |
| Efficiency ratio | 69.0537% | 3,365 |
| Assets per employee ($millions) | 3.7677% | 4,329 |
| Cash dividends to net income (ytd only)* | 46.4115% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 4,871 |
| Loan loss allowance to noncurrent loans | 207.9111% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3965% | 1,648 |
| Noncurrent loans to loans | 0.4683% | 3,952 |
| Net loans and leases to total assets | 77.9458% | 1,106 |
| Net loans and leases to deposits | 92.6201% | 1,345 |
| Net loans and leases to core deposits | 94.7959% | 2,001 |
| Total domestic deposits to total assets | 84.1565% | 3,360 |
| Equity capital to assets | 8.9146% | 5,383 |
| Core capital (leverage) ratio | 8.6823% | 5,370 |
| Tier 1 risk-based capital ratio | 12.3307% | 4,869 |
| Total risk-based capital ratio | 13.4147% | 4,887 |
| Memoranda: | ||
| Average total assets | $302,061,000 | 2,154 |
| Average earning assets | $281,034,250 | 2,141 |
| Average equity | $26,510,500 | 2,609 |
| Average total loans | $223,586,250 | 1,913 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,154 |
| Cost of funding earning assets | 0.3037% | 4,360 |
| Net interest margin | 3.9997% | 1,636 |
| Noninterest income to average assets | 0.4445% | 3,747 |
| Noninterest expense to average assets | 2.9759% | 2,628 |
| Loan and lease loss provision to assets | 0.1727% | 1,204 |
| Net operating income to assets | 1.0232% | 2,274 |
| Return on assets (ROA) | 1.0232% | 2,390 |
| Pretax return on assets | 1.0232% | 3,483 |
| Return on Equity (ROE) | 11.7205% | 1,464 |
| Retained earnings to average equity (ytd only) | 5.0840% | 2,809 |
| Net charge-offs to loans | 0.2467% | 1,051 |
| Credit loss provision to net charge-offs | 96.6543% | 2,119 |
| Earnings coverage of net charge-offs (x) | 6.6914% | 2,752 |
| Efficiency ratio | 70.3615% | 3,275 |
| Assets per employee ($millions) | 3.4930% | 4,806 |
| Cash dividends to net income (ytd only)* | 56.6234% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 4,848 |
| Loan loss allowance to noncurrent loans | 238.5451% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.7335% | 1,357 |
| Noncurrent loans to loans | 0.4214% | 4,212 |
| Net loans and leases to total assets | 72.8782% | 1,840 |
| Net loans and leases to deposits | 87.8569% | 1,854 |
| Net loans and leases to core deposits | 90.0421% | 2,344 |
| Total domestic deposits to total assets | 82.9510% | 3,973 |
| Equity capital to assets | 8.9300% | 5,301 |
| Core capital (leverage) ratio | 8.3650% | 5,664 |
| Tier 1 risk-based capital ratio | 13.2477% | 4,376 |
| Total risk-based capital ratio | 14.3713% | 4,359 |
| Memoranda: | ||
| Average total assets | $301,019,670 | 2,179 |
| Average earning assets | $280,520,670 | 2,162 |
| Average equity | $26,278,670 | 2,636 |
| Average total loans | $218,042,330 | 1,954 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 2,462 |
| Cost of funding earning assets | 0.3076% | 4,359 |
| Net interest margin | 3.8913% | 1,929 |
| Noninterest income to average assets | 0.5358% | 3,049 |
| Noninterest expense to average assets | 2.8072% | 3,233 |
| Loan and lease loss provision to assets | 0.0990% | 2,045 |
| Net operating income to assets | 1.2697% | 1,362 |
| Return on assets (ROA) | 1.2697% | 1,442 |
| Pretax return on assets | 1.2697% | 2,389 |
| Return on Equity (ROE) | 14.7089% | 749 |
| Retained earnings to average equity (ytd only) | 9.6021% | 1,020 |
| Net charge-offs to loans | 0.2792% | 862 |
| Credit loss provision to net charge-offs | 49.3421% | 2,108 |
| Earnings coverage of net charge-offs (x) | 6.8224% | 2,242 |
| Efficiency ratio | 66.2769% | 4,102 |
| Assets per employee ($millions) | 3.7909% | 4,351 |
| Cash dividends to net income (ytd only)* | 34.7193% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 5,092 |
| Loan loss allowance to noncurrent loans | 73.9750% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.8919% | 1,283 |
| Noncurrent loans to loans | 1.3361% | 2,154 |
| Net loans and leases to total assets | 68.6114% | 2,345 |
| Net loans and leases to deposits | 82.1819% | 2,322 |
| Net loans and leases to core deposits | 84.1155% | 2,756 |
| Total domestic deposits to total assets | 83.4873% | 4,009 |
| Equity capital to assets | 8.5169% | 5,730 |
| Core capital (leverage) ratio | 8.1792% | 5,824 |
| Tier 1 risk-based capital ratio | 13.2907% | 4,443 |
| Total risk-based capital ratio | 14.3852% | 4,453 |
| Memoranda: | ||
| Average total assets | $303,075,000 | 2,182 |
| Average earning assets | $283,504,500 | 2,151 |
| Average equity | $26,161,000 | 2,661 |
| Average total loans | $217,774,000 | 1,953 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 1,630 |
| Cost of funding earning assets | 0.3128% | 4,652 |
| Net interest margin | 4.2599% | 1,143 |
| Noninterest income to average assets | 0.6378% | 2,631 |
| Noninterest expense to average assets | 3.3431% | 1,817 |
| Loan and lease loss provision to assets | 0.1612% | 1,631 |
| Net operating income to assets | 1.1012% | 1,972 |
| Return on assets (ROA) | 1.1012% | 2,026 |
| Pretax return on assets | 1.1030% | 3,069 |
| Return on Equity (ROE) | 12.1688% | 1,367 |
| Retained earnings to average equity (ytd only) | 5.4928% | 2,264 |
| Net charge-offs to loans | 0.3287% | 1,341 |
| Credit loss provision to net charge-offs | 64.0114% | 3,205 |
| Earnings coverage of net charge-offs (x) | 5.0213% | 3,518 |
| Efficiency ratio | 71.6207% | 3,274 |
| Assets per employee ($millions) | 3.6012% | 4,714 |
| Cash dividends to net income (ytd only)* | 54.8618% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 5,045 |
| Loan loss allowance to noncurrent loans | 68.7442% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.9468% | 1,322 |
| Noncurrent loans to loans | 1.4577% | 2,014 |
| Net loans and leases to total assets | 73.8010% | 1,617 |
| Net loans and leases to deposits | 89.4914% | 1,567 |
| Net loans and leases to core deposits | 91.7690% | 2,118 |
| Total domestic deposits to total assets | 82.4672% | 4,266 |
| Equity capital to assets | 8.7529% | 5,533 |
| Core capital (leverage) ratio | 8.3866% | 5,678 |
| Tier 1 risk-based capital ratio | 11.7444% | 5,519 |
| Total risk-based capital ratio | 12.7911% | 5,550 |
| Memoranda: | ||
| Average total assets | $279,228,200 | 2,285 |
| Average earning assets | $260,193,400 | 2,273 |
| Average equity | $25,269,600 | 2,634 |
| Average total loans | $213,850,400 | 1,943 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 1,613 |
| Cost of funding earning assets | 0.3081% | 4,804 |
| Net interest margin | 4.2720% | 1,108 |
| Noninterest income to average assets | 0.6647% | 2,501 |
| Noninterest expense to average assets | 3.1786% | 2,244 |
| Loan and lease loss provision to assets | 0.1453% | 1,723 |
| Net operating income to assets | 1.3221% | 1,308 |
| Return on assets (ROA) | 1.3221% | 1,368 |
| Pretax return on assets | 1.3240% | 2,292 |
| Return on Equity (ROE) | 14.4818% | 901 |
| Retained earnings to average equity (ytd only) | 6.9251% | 1,855 |
| Net charge-offs to loans | 0.4183% | 947 |
| Credit loss provision to net charge-offs | 45.0450% | 3,197 |
| Earnings coverage of net charge-offs (x) | 4.5540% | 3,428 |
| Efficiency ratio | 67.4380% | 3,949 |
| Assets per employee ($millions) | 3.7866% | 4,317 |
| Cash dividends to net income (ytd only)* | 52.1802% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 5,341 |
| Loan loss allowance to noncurrent loans | 56.4151% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.0365% | 1,393 |
| Noncurrent loans to loans | 1.7220% | 1,887 |
| Net loans and leases to total assets | 71.3223% | 1,966 |
| Net loans and leases to deposits | 85.8566% | 1,922 |
| Net loans and leases to core deposits | 87.9921% | 2,434 |
| Total domestic deposits to total assets | 83.0714% | 4,118 |
| Equity capital to assets | 8.6125% | 5,712 |
| Core capital (leverage) ratio | 8.5725% | 5,577 |
| Tier 1 risk-based capital ratio | 11.8836% | 5,567 |
| Total risk-based capital ratio | 12.8932% | 5,627 |
| Memoranda: | ||
| Average total assets | $275,210,750 | 2,334 |
| Average earning assets | $256,608,750 | 2,311 |
| Average equity | $25,125,250 | 2,661 |
| Average total loans | $212,278,250 | 1,970 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 1,367 |
| Cost of funding earning assets | 0.3055% | 4,918 |
| Net interest margin | 4.3573% | 928 |
| Noninterest income to average assets | 0.6766% | 2,395 |
| Noninterest expense to average assets | 3.2039% | 2,185 |
| Loan and lease loss provision to assets | 0.1684% | 1,457 |
| Net operating income to assets | 1.3471% | 1,192 |
| Return on assets (ROA) | 1.3471% | 1,236 |
| Pretax return on assets | 1.3494% | 2,085 |
| Return on Equity (ROE) | 14.4507% | 881 |
| Retained earnings to average equity (ytd only) | 7.0648% | 1,739 |
| Net charge-offs to loans | 0.3920% | 1,030 |
| Credit loss provision to net charge-offs | 54.3478% | 2,727 |
| Earnings coverage of net charge-offs (x) | 4.8986% | 3,025 |
| Efficiency ratio | 66.8886% | 4,218 |
| Assets per employee ($millions) | 3.1378% | 5,532 |
| Cash dividends to net income (ytd only)* | 51.1111% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 5,031 |
| Loan loss allowance to noncurrent loans | 50.5906% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5447% | 1,098 |
| Noncurrent loans to loans | 2.1104% | 1,576 |
| Net loans and leases to total assets | 78.8669% | 806 |
| Net loans and leases to deposits | 95.6901% | 823 |
| Net loans and leases to core deposits | 98.2140% | 1,426 |
| Total domestic deposits to total assets | 82.4190% | 4,498 |
| Equity capital to assets | 9.5006% | 4,748 |
| Core capital (leverage) ratio | 8.9777% | 5,050 |
| Tier 1 risk-based capital ratio | 12.1049% | 5,480 |
| Total risk-based capital ratio | 13.2412% | 5,477 |
| Memoranda: | ||
| Average total assets | $267,232,670 | 2,391 |
| Average earning assets | $248,091,670 | 2,374 |
| Average equity | $24,912,330 | 2,669 |
| Average total loans | $211,221,000 | 1,972 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 1,392 |
| Cost of funding earning assets | 0.3024% | 5,040 |
| Net interest margin | 4.3418% | 918 |
| Noninterest income to average assets | 0.6251% | 2,596 |
| Noninterest expense to average assets | 3.1761% | 2,306 |
| Loan and lease loss provision to assets | 0.1122% | 2,077 |
| Net operating income to assets | 1.3697% | 1,059 |
| Return on assets (ROA) | 1.3697% | 1,102 |
| Pretax return on assets | 1.3727% | 1,843 |
| Return on Equity (ROE) | 14.8346% | 807 |
| Retained earnings to average equity (ytd only) | 7.7736% | 1,694 |
| Net charge-offs to loans | 0.5909% | 626 |
| Credit loss provision to net charge-offs | 24.1158% | 2,459 |
| Earnings coverage of net charge-offs (x) | 3.1929% | 2,724 |
| Efficiency ratio | 67.1800% | 4,332 |
| Assets per employee ($millions) | 3.5248% | 4,873 |
| Cash dividends to net income (ytd only)* | 47.5983% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 5,282 |
| Loan loss allowance to noncurrent loans | 44.3801% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.6317% | 1,173 |
| Noncurrent loans to loans | 2.3905% | 1,471 |
| Net loans and leases to total assets | 77.3893% | 834 |
| Net loans and leases to deposits | 85.3827% | 1,683 |
| Net loans and leases to core deposits | 87.2285% | 2,172 |
| Total domestic deposits to total assets | 90.6382% | 718 |
| Equity capital to assets | 9.3095% | 4,750 |
| Core capital (leverage) ratio | 8.8230% | 5,241 |
| Tier 1 risk-based capital ratio | 12.0023% | 5,645 |
| Total risk-based capital ratio | 13.1256% | 5,647 |
| Memoranda: | ||
| Average total assets | $267,494,500 | 2,396 |
| Average earning assets | $248,652,500 | 2,362 |
| Average equity | $24,699,000 | 2,672 |
| Average total loans | $210,524,000 | 1,976 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 1,825 |
| Cost of funding earning assets | 0.3966% | 4,688 |
| Net interest margin | 4.2174% | 1,306 |
| Noninterest income to average assets | 0.0975% | 6,394 |
| Noninterest expense to average assets | 3.3496% | 2,002 |
| Loan and lease loss provision to assets | 0.1522% | 2,375 |
| Net operating income to assets | 0.4753% | 4,836 |
| Return on assets (ROA) | 0.4753% | 4,984 |
| Pretax return on assets | 0.4757% | 5,273 |
| Return on Equity (ROE) | 5.3484% | 4,474 |
| Retained earnings to average equity (ytd only) | 0.3366% | 5,695 |
| Net charge-offs to loans | 0.2233% | 2,676 |
| Credit loss provision to net charge-offs | 92.7928% | 2,683 |
| Earnings coverage of net charge-offs (x) | 3.8288% | 3,745 |
| Efficiency ratio | 83.0904% | 1,740 |
| Assets per employee ($millions) | 3.6589% | 4,567 |
| Cash dividends to net income (ytd only)* | 93.7063% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 4,849 |
| Loan loss allowance to noncurrent loans | 58.5058% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.3336% | 1,498 |
| Noncurrent loans to loans | 1.9871% | 2,003 |
| Net loans and leases to total assets | 78.2660% | 792 |
| Net loans and leases to deposits | 87.2489% | 1,547 |
| Net loans and leases to core deposits | 91.7316% | 1,818 |
| Total domestic deposits to total assets | 89.7043% | 1,219 |
| Equity capital to assets | 9.1572% | 4,858 |
| Core capital (leverage) ratio | 8.6010% | 5,544 |
| Tier 1 risk-based capital ratio | 11.7381% | 5,783 |
| Total risk-based capital ratio | 12.9800% | 5,719 |
| Memoranda: | ||
| Average total assets | $270,751,000 | 2,339 |
| Average earning assets | $249,086,600 | 2,337 |
| Average equity | $24,063,200 | 2,724 |
| Average total loans | $198,800,000 | 2,014 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 2,018 |
| Cost of funding earning assets | 0.4145% | 4,679 |
| Net interest margin | 4.1409% | 1,508 |
| Noninterest income to average assets | 0.3710% | 4,744 |
| Noninterest expense to average assets | 3.2211% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9546% | 2,567 |
| Return on assets (ROA) | 0.9546% | 2,672 |
| Pretax return on assets | 0.9551% | 3,671 |
| Return on Equity (ROE) | 10.8214% | 1,883 |
| Retained earnings to average equity (ytd only) | 5.6917% | 2,607 |
| Net charge-offs to loans | 0.2011% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.5967% | 2,941 |
| Efficiency ratio | 76.0606% | 2,719 |
| Assets per employee ($millions) | 3.7825% | 4,284 |
| Cash dividends to net income (ytd only)* | 47.4035% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 5,420 |
| Loan loss allowance to noncurrent loans | 43.2795% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 3.2123% | 1,111 |
| Noncurrent loans to loans | 2.4882% | 1,738 |
| Net loans and leases to total assets | 73.0558% | 1,440 |
| Net loans and leases to deposits | 81.5707% | 2,193 |
| Net loans and leases to core deposits | 85.7646% | 2,438 |
| Total domestic deposits to total assets | 89.5613% | 1,250 |
| Equity capital to assets | 8.8369% | 5,375 |
| Core capital (leverage) ratio | 8.6549% | 5,595 |
| Tier 1 risk-based capital ratio | 11.8987% | 5,837 |
| Total risk-based capital ratio | 13.0272% | 5,867 |
| Memoranda: | ||
| Average total assets | $271,663,250 | 2,345 |
| Average earning assets | $249,636,000 | 2,340 |
| Average equity | $23,964,250 | 2,762 |
| Average total loans | $195,622,750 | 2,046 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 1,566 |
| Cost of funding earning assets | 0.4469% | 4,460 |
| Net interest margin | 4.2553% | 1,128 |
| Noninterest income to average assets | 0.3220% | 5,135 |
| Noninterest expense to average assets | 3.1698% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0423% | 2,142 |
| Return on assets (ROA) | 1.0423% | 2,265 |
| Pretax return on assets | 1.0430% | 3,321 |
| Return on Equity (ROE) | 11.8227% | 1,548 |
| Retained earnings to average equity (ytd only) | 7.2968% | 1,746 |
| Net charge-offs to loans | 0.2613% | 2,160 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.5913% | 2,862 |
| Efficiency ratio | 75.2416% | 2,903 |
| Assets per employee ($millions) | 3.3955% | 5,073 |
| Cash dividends to net income (ytd only)* | 38.2813% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,159 |
| Loan loss allowance to noncurrent loans | 48.4213% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 3.2564% | 1,215 |
| Noncurrent loans to loans | 2.4110% | 1,947 |
| Net loans and leases to total assets | 72.4997% | 1,484 |
| Net loans and leases to deposits | 79.9706% | 2,323 |
| Net loans and leases to core deposits | 84.0921% | 2,554 |
| Total domestic deposits to total assets | 90.6579% | 677 |
| Equity capital to assets | 9.2740% | 4,897 |
| Core capital (leverage) ratio | 8.6679% | 5,464 |
| Tier 1 risk-based capital ratio | 12.5505% | 5,468 |
| Total risk-based capital ratio | 13.7739% | 5,421 |
| Memoranda: | ||
| Average total assets | $270,175,670 | 2,371 |
| Average earning assets | $247,034,670 | 2,379 |
| Average equity | $23,818,670 | 2,790 |
| Average total loans | $192,856,330 | 2,073 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 2,010 |
| Cost of funding earning assets | 0.4864% | 4,218 |
| Net interest margin | 4.0573% | 1,598 |
| Noninterest income to average assets | 0.3409% | 4,966 |
| Noninterest expense to average assets | 3.3365% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7096% | 3,646 |
| Return on assets (ROA) | 0.7096% | 3,782 |
| Pretax return on assets | 0.7110% | 4,531 |
| Return on Equity (ROE) | 8.2527% | 2,844 |
| Retained earnings to average equity (ytd only) | 7.6765% | 1,864 |
| Net charge-offs to loans | 0.3744% | 1,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6961% | 2,969 |
| Efficiency ratio | 82.4334% | 1,972 |
| Assets per employee ($millions) | 3.6555% | 4,660 |
| Cash dividends to net income (ytd only)* | 6.9815% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,134 |
| Loan loss allowance to noncurrent loans | 51.0272% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 3.4225% | 1,256 |
| Noncurrent loans to loans | 2.3718% | 2,195 |
| Net loans and leases to total assets | 71.6404% | 1,409 |
| Net loans and leases to deposits | 78.7991% | 2,240 |
| Net loans and leases to core deposits | 84.4456% | 2,273 |
| Total domestic deposits to total assets | 90.9152% | 561 |
| Equity capital to assets | 9.0544% | 5,421 |
| Core capital (leverage) ratio | 7.9694% | 6,174 |
| Tier 1 risk-based capital ratio | 12.2972% | 5,721 |
| Total risk-based capital ratio | 13.5475% | 5,673 |
| Memoranda: | ||
| Average total assets | $274,537,500 | 2,347 |
| Average earning assets | $250,807,500 | 2,365 |
| Average equity | $23,604,500 | 2,846 |
| Average total loans | $193,389,000 | 2,079 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 2,301 |
| Cost of funding earning assets | 0.6930% | 3,553 |
| Net interest margin | 4.0812% | 2,080 |
| Noninterest income to average assets | 0.4191% | 4,460 |
| Noninterest expense to average assets | 3.3734% | 2,120 |
| Loan and lease loss provision to assets | 0.1470% | 3,765 |
| Net operating income to assets | 0.6924% | 3,771 |
| Return on assets (ROA) | 0.6924% | 4,036 |
| Pretax return on assets | 0.6947% | 4,683 |
| Return on Equity (ROE) | 8.2812% | 2,971 |
| Retained earnings to average equity (ytd only) | -0.9692% | 6,011 |
| Net charge-offs to loans | 0.2133% | 3,681 |
| Credit loss provision to net charge-offs | 97.0149% | 3,199 |
| Earnings coverage of net charge-offs (x) | 5.5547% | 3,008 |
| Efficiency ratio | 80.0322% | 2,144 |
| Assets per employee ($millions) | 3.9161% | 4,114 |
| Cash dividends to net income (ytd only)* | 111.7039% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,775 |
| Loan loss allowance to noncurrent loans | 56.6780% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.9243% | 1,626 |
| Noncurrent loans to loans | 2.2434% | 2,412 |
| Net loans and leases to total assets | 67.6588% | 2,250 |
| Net loans and leases to deposits | 73.7269% | 3,143 |
| Net loans and leases to core deposits | 80.5558% | 2,933 |
| Total domestic deposits to total assets | 91.7695% | 289 |
| Equity capital to assets | 8.1776% | 6,300 |
| Core capital (leverage) ratio | 7.6859% | 6,414 |
| Tier 1 risk-based capital ratio | 11.7180% | 5,946 |
| Total risk-based capital ratio | 12.9690% | 5,916 |
| Memoranda: | ||
| Average total assets | $265,308,000 | 2,389 |
| Average earning assets | $246,765,200 | 2,353 |
| Average equity | $22,182,800 | 2,951 |
| Average total loans | $188,465,000 | 2,107 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 2,491 |
| Cost of funding earning assets | 0.7539% | 3,322 |
| Net interest margin | 4.0196% | 2,418 |
| Noninterest income to average assets | 0.4187% | 4,489 |
| Noninterest expense to average assets | 3.1328% | 2,792 |
| Loan and lease loss provision to assets | 0.1384% | 3,813 |
| Net operating income to assets | 0.9071% | 2,953 |
| Return on assets (ROA) | 0.9071% | 3,183 |
| Pretax return on assets | 0.9102% | 4,065 |
| Return on Equity (ROE) | 10.7839% | 2,038 |
| Retained earnings to average equity (ytd only) | -1.5110% | 6,334 |
| Net charge-offs to loans | 0.1872% | 3,619 |
| Credit loss provision to net charge-offs | 103.0534% | 2,859 |
| Earnings coverage of net charge-offs (x) | 7.8093% | 2,547 |
| Efficiency ratio | 74.9234% | 2,838 |
| Assets per employee ($millions) | 3.9419% | 3,991 |
| Cash dividends to net income (ytd only)* | 114.0114% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 4,949 |
| Loan loss allowance to noncurrent loans | 51.9553% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 3.0287% | 1,723 |
| Noncurrent loans to loans | 2.4446% | 2,351 |
| Net loans and leases to total assets | 68.7732% | 2,158 |
| Net loans and leases to deposits | 74.9777% | 3,149 |
| Net loans and leases to core deposits | 82.4636% | 2,897 |
| Total domestic deposits to total assets | 91.7249% | 244 |
| Equity capital to assets | 8.2251% | 6,472 |
| Core capital (leverage) ratio | 8.0551% | 6,282 |
| Tier 1 risk-based capital ratio | 11.1140% | 6,436 |
| Total risk-based capital ratio | 12.3643% | 6,408 |
| Memoranda: | ||
| Average total assets | $260,165,750 | 2,457 |
| Average earning assets | $243,533,250 | 2,413 |
| Average equity | $21,884,000 | 3,013 |
| Average total loans | $186,603,250 | 2,141 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 2,506 |
| Cost of funding earning assets | 0.7194% | 3,862 |
| Net interest margin | 4.0813% | 2,160 |
| Noninterest income to average assets | 0.4749% | 4,096 |
| Noninterest expense to average assets | 2.9736% | 3,356 |
| Loan and lease loss provision to assets | 0.1189% | 4,045 |
| Net operating income to assets | 1.2058% | 1,694 |
| Return on assets (ROA) | 1.2058% | 1,892 |
| Pretax return on assets | 1.2098% | 2,878 |
| Return on Equity (ROE) | 14.2167% | 1,065 |
| Retained earnings to average equity (ytd only) | -1.7479% | 6,322 |
| Net charge-offs to loans | 0.1487% | 3,723 |
| Credit loss provision to net charge-offs | 110.2941% | 2,471 |
| Earnings coverage of net charge-offs (x) | 12.3235% | 1,889 |
| Efficiency ratio | 69.1174% | 3,911 |
| Assets per employee ($millions) | 3.7346% | 4,451 |
| Cash dividends to net income (ytd only)* | 112.2945% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,657 |
| Loan loss allowance to noncurrent loans | 37.3331% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 3.9059% | 1,329 |
| Noncurrent loans to loans | 3.6248% | 1,579 |
| Net loans and leases to total assets | 72.2490% | 1,521 |
| Net loans and leases to deposits | 82.8529% | 1,999 |
| Net loans and leases to core deposits | 92.0247% | 1,775 |
| Total domestic deposits to total assets | 87.2015% | 2,651 |
| Equity capital to assets | 8.4292% | 6,278 |
| Core capital (leverage) ratio | 8.2194% | 6,024 |
| Tier 1 risk-based capital ratio | 11.2838% | 6,344 |
| Total risk-based capital ratio | 12.5352% | 6,326 |
| Memoranda: | ||
| Average total assets | $252,283,000 | 2,526 |
| Average earning assets | $236,594,000 | 2,461 |
| Average equity | $21,397,330 | 3,059 |
| Average total loans | $182,904,670 | 2,185 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 2,659 |
| Cost of funding earning assets | 0.7324% | 4,007 |
| Net interest margin | 4.0620% | 2,245 |
| Noninterest income to average assets | 0.4152% | 4,557 |
| Noninterest expense to average assets | 2.7934% | 4,060 |
| Loan and lease loss provision to assets | 0.1193% | 3,855 |
| Net operating income to assets | 1.3267% | 1,381 |
| Return on assets (ROA) | 1.3267% | 1,545 |
| Pretax return on assets | 1.3315% | 2,423 |
| Return on Equity (ROE) | 15.5939% | 868 |
| Retained earnings to average equity (ytd only) | -7.4791% | 6,735 |
| Net charge-offs to loans | 0.1698% | 3,070 |
| Credit loss provision to net charge-offs | 97.4026% | 2,414 |
| Earnings coverage of net charge-offs (x) | 11.8442% | 1,642 |
| Efficiency ratio | 65.8171% | 4,593 |
| Assets per employee ($millions) | 4.2469% | 3,494 |
| Cash dividends to net income (ytd only)* | 147.9616% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,683 |
| Loan loss allowance to noncurrent loans | 37.6997% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 3.5740% | 1,601 |
| Noncurrent loans to loans | 3.6670% | 1,690 |
| Net loans and leases to total assets | 70.0158% | 1,752 |
| Net loans and leases to deposits | 81.2748% | 2,025 |
| Net loans and leases to core deposits | 90.5753% | 1,793 |
| Total domestic deposits to total assets | 86.1470% | 3,447 |
| Equity capital to assets | 8.3171% | 6,259 |
| Core capital (leverage) ratio | 8.0655% | 6,194 |
| Tier 1 risk-based capital ratio | 11.4558% | 6,307 |
| Total risk-based capital ratio | 12.7077% | 6,288 |
| Memoranda: | ||
| Average total assets | $251,449,000 | 2,549 |
| Average earning assets | $237,023,500 | 2,474 |
| Average equity | $21,393,000 | 3,061 |
| Average total loans | $181,360,000 | 2,218 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 2,600 |
| Cost of funding earning assets | 0.8656% | 4,354 |
| Net interest margin | 4.1964% | 2,073 |
| Noninterest income to average assets | 0.4018% | 4,596 |
| Noninterest expense to average assets | 2.9317% | 3,837 |
| Loan and lease loss provision to assets | 0.1784% | 4,409 |
| Net operating income to assets | 1.2480% | 1,386 |
| Return on assets (ROA) | 1.2480% | 1,485 |
| Pretax return on assets | 1.2492% | 2,301 |
| Return on Equity (ROE) | 14.7647% | 785 |
| Retained earnings to average equity (ytd only) | 6.7869% | 1,598 |
| Net charge-offs to loans | 0.1337% | 5,078 |
| Credit loss provision to net charge-offs | 182.4268% | 1,414 |
| Earnings coverage of net charge-offs (x) | 14.5983% | 1,445 |
| Efficiency ratio | 67.2517% | 4,529 |
| Assets per employee ($millions) | 4.2049% | 3,457 |
| Cash dividends to net income (ytd only)* | 54.0328% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,575 |
| Loan loss allowance to noncurrent loans | 44.0281% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 3.2601% | 1,829 |
| Noncurrent loans to loans | 3.1269% | 2,066 |
| Net loans and leases to total assets | 72.2763% | 1,596 |
| Net loans and leases to deposits | 84.4398% | 1,868 |
| Net loans and leases to core deposits | 93.6843% | 1,729 |
| Total domestic deposits to total assets | 85.5950% | 3,539 |
| Equity capital to assets | 8.7038% | 5,891 |
| Core capital (leverage) ratio | 8.3132% | 5,836 |
| Tier 1 risk-based capital ratio | 11.6060% | 6,091 |
| Total risk-based capital ratio | 12.8578% | 6,069 |
| Memoranda: | ||
| Average total assets | $244,400,200 | 2,588 |
| Average earning assets | $230,484,800 | 2,502 |
| Average equity | $20,657,400 | 3,049 |
| Average total loans | $178,719,000 | 2,267 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 2,734 |
| Cost of funding earning assets | 0.8876% | 4,488 |
| Net interest margin | 4.1870% | 2,155 |
| Noninterest income to average assets | 0.4353% | 4,402 |
| Noninterest expense to average assets | 2.8087% | 4,310 |
| Loan and lease loss provision to assets | 0.1232% | 4,898 |
| Net operating income to assets | 1.4539% | 1,042 |
| Return on assets (ROA) | 1.4539% | 1,116 |
| Pretax return on assets | 1.4555% | 1,769 |
| Return on Equity (ROE) | 17.3325% | 533 |
| Retained earnings to average equity (ytd only) | 6.7959% | 2,083 |
| Net charge-offs to loans | 0.1469% | 4,598 |
| Credit loss provision to net charge-offs | 114.7959% | 2,847 |
| Earnings coverage of net charge-offs (x) | 14.7090% | 1,514 |
| Efficiency ratio | 64.0165% | 5,067 |
| Assets per employee ($millions) | 4.4322% | 3,029 |
| Cash dividends to net income (ytd only)* | 60.7911% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 5,080 |
| Loan loss allowance to noncurrent loans | 35.0443% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 3.3770% | 1,877 |
| Noncurrent loans to loans | 3.6652% | 1,871 |
| Net loans and leases to total assets | 69.8093% | 2,111 |
| Net loans and leases to deposits | 80.9567% | 2,530 |
| Net loans and leases to core deposits | 89.9074% | 2,259 |
| Total domestic deposits to total assets | 86.2304% | 3,075 |
| Equity capital to assets | 8.2594% | 6,520 |
| Core capital (leverage) ratio | 8.1733% | 6,163 |
| Tier 1 risk-based capital ratio | 11.3305% | 6,336 |
| Total risk-based capital ratio | 12.5810% | 6,331 |
| Memoranda: | ||
| Average total assets | $243,478,500 | 2,602 |
| Average earning assets | $229,815,000 | 2,514 |
| Average equity | $20,423,500 | 3,085 |
| Average total loans | $177,946,000 | 2,288 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 2,700 |
| Cost of funding earning assets | 0.9154% | 4,548 |
| Net interest margin | 4.1810% | 2,117 |
| Noninterest income to average assets | 0.4218% | 4,496 |
| Noninterest expense to average assets | 2.8173% | 4,353 |
| Loan and lease loss provision to assets | 0.1255% | 4,717 |
| Net operating income to assets | 1.4262% | 1,034 |
| Return on assets (ROA) | 1.4262% | 1,094 |
| Pretax return on assets | 1.4279% | 1,732 |
| Return on Equity (ROE) | 16.9098% | 560 |
| Retained earnings to average equity (ytd only) | 2.4214% | 4,748 |
| Net charge-offs to loans | 0.0974% | 4,707 |
| Credit loss provision to net charge-offs | 174.4186% | 1,728 |
| Earnings coverage of net charge-offs (x) | 21.5814% | 1,150 |
| Efficiency ratio | 64.4581% | 5,153 |
| Assets per employee ($millions) | 4.0138% | 3,727 |
| Cash dividends to net income (ytd only)* | 85.6808% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,911 |
| Loan loss allowance to noncurrent loans | 43.3907% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 3.1006% | 2,167 |
| Noncurrent loans to loans | 3.0720% | 2,351 |
| Net loans and leases to total assets | 72.8440% | 1,628 |
| Net loans and leases to deposits | 85.0647% | 1,938 |
| Net loans and leases to core deposits | 95.9388% | 1,687 |
| Total domestic deposits to total assets | 85.6337% | 3,533 |
| Equity capital to assets | 8.4853% | 6,201 |
| Core capital (leverage) ratio | 8.1916% | 6,043 |
| Tier 1 risk-based capital ratio | 11.3968% | 6,252 |
| Total risk-based capital ratio | 12.6482% | 6,238 |
| Memoranda: | ||
| Average total assets | $238,949,330 | 2,668 |
| Average earning assets | $225,685,000 | 2,572 |
| Average equity | $20,154,000 | 3,103 |
| Average total loans | $176,664,330 | 2,324 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 3,019 |
| Cost of funding earning assets | 0.9417% | 4,633 |
| Net interest margin | 4.0771% | 2,353 |
| Noninterest income to average assets | 0.3395% | 5,192 |
| Noninterest expense to average assets | 2.8284% | 4,337 |
| Loan and lease loss provision to assets | 0.1260% | 4,424 |
| Net operating income to assets | 1.2252% | 1,461 |
| Return on assets (ROA) | 1.2252% | 1,517 |
| Pretax return on assets | 1.2268% | 2,284 |
| Return on Equity (ROE) | 14.5702% | 893 |
| Retained earnings to average equity (ytd only) | -7.0952% | 6,684 |
| Net charge-offs to loans | 0.1386% | 3,681 |
| Credit loss provision to net charge-offs | 122.9508% | 2,231 |
| Earnings coverage of net charge-offs (x) | 13.1967% | 1,453 |
| Efficiency ratio | 67.6447% | 4,731 |
| Assets per employee ($millions) | 4.1567% | 3,532 |
| Cash dividends to net income (ytd only)* | 148.6968% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 5,045 |
| Loan loss allowance to noncurrent loans | 41.5027% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 2.9558% | 2,337 |
| Noncurrent loans to loans | 3.1743% | 2,368 |
| Net loans and leases to total assets | 72.0813% | 1,706 |
| Net loans and leases to deposits | 84.1639% | 2,003 |
| Net loans and leases to core deposits | 94.4867% | 1,830 |
| Total domestic deposits to total assets | 85.6439% | 3,716 |
| Equity capital to assets | 8.2277% | 6,251 |
| Core capital (leverage) ratio | 8.0354% | 6,209 |
| Tier 1 risk-based capital ratio | 11.1580% | 6,390 |
| Total risk-based capital ratio | 12.4089% | 6,356 |
| Memoranda: | ||
| Average total assets | $238,010,500 | 2,695 |
| Average earning assets | $224,276,000 | 2,612 |
| Average equity | $20,013,500 | 3,114 |
| Average total loans | $176,097,500 | 2,354 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6336% | 1,786 |
| Cost of funding earning assets | 1.2475% | 4,235 |
| Net interest margin | 4.3861% | 1,527 |
| Noninterest income to average assets | 0.3625% | 5,209 |
| Noninterest expense to average assets | 3.0151% | 3,788 |
| Loan and lease loss provision to assets | 0.1724% | 5,495 |
| Net operating income to assets | 1.3312% | 1,104 |
| Return on assets (ROA) | 1.3312% | 1,176 |
| Pretax return on assets | 1.3267% | 1,866 |
| Return on Equity (ROE) | 15.3356% | 671 |
| Retained earnings to average equity (ytd only) | 3.1833% | 3,641 |
| Net charge-offs to loans | 0.0477% | 6,323 |
| Credit loss provision to net charge-offs | 469.8795% | 489 |
| Earnings coverage of net charge-offs (x) | 40.8554% | 572 |
| Efficiency ratio | 66.7907% | 4,803 |
| Assets per employee ($millions) | 4.0506% | 3,679 |
| Cash dividends to net income (ytd only)* | 79.2428% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 4,953 |
| Loan loss allowance to noncurrent loans | 44.5949% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 2.5535% | 2,717 |
| Noncurrent loans to loans | 2.9365% | 2,599 |
| Net loans and leases to total assets | 73.9742% | 1,669 |
| Net loans and leases to deposits | 88.2778% | 1,751 |
| Net loans and leases to core deposits | 100.6323% | 1,565 |
| Total domestic deposits to total assets | 83.7970% | 4,453 |
| Equity capital to assets | 8.5944% | 5,731 |
| Core capital (leverage) ratio | 8.5033% | 5,357 |
| Tier 1 risk-based capital ratio | 11.5473% | 5,866 |
| Total risk-based capital ratio | 12.7985% | 5,873 |
| Memoranda: | ||
| Average total assets | $226,195,000 | 2,799 |
| Average earning assets | $214,107,600 | 2,699 |
| Average equity | $19,634,000 | 3,198 |
| Average total loans | $174,017,400 | 2,420 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 1,731 |
| Cost of funding earning assets | 1.3089% | 4,160 |
| Net interest margin | 4.3861% | 1,568 |
| Noninterest income to average assets | 0.3488% | 5,380 |
| Noninterest expense to average assets | 2.8611% | 4,240 |
| Loan and lease loss provision to assets | 0.0893% | 6,153 |
| Net operating income to assets | 1.5588% | 811 |
| Return on assets (ROA) | 1.5588% | 887 |
| Pretax return on assets | 1.5529% | 1,470 |
| Return on Equity (ROE) | 17.9121% | 488 |
| Retained earnings to average equity (ytd only) | 1.8261% | 5,046 |
| Net charge-offs to loans | 0.0215% | 6,371 |
| Credit loss provision to net charge-offs | 535.7143% | 538 |
| Earnings coverage of net charge-offs (x) | 98.5419% | 312 |
| Efficiency ratio | 63.5342% | 5,339 |
| Assets per employee ($millions) | 3.8877% | 4,056 |
| Cash dividends to net income (ytd only)* | 89.8053% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 5,482 |
| Loan loss allowance to noncurrent loans | 46.9040% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.3957% | 2,985 |
| Noncurrent loans to loans | 2.5626% | 3,060 |
| Net loans and leases to total assets | 77.3178% | 1,158 |
| Net loans and leases to deposits | 91.0910% | 1,560 |
| Net loans and leases to core deposits | 106.6659% | 1,269 |
| Total domestic deposits to total assets | 84.8797% | 3,677 |
| Equity capital to assets | 8.7957% | 5,865 |
| Core capital (leverage) ratio | 8.4299% | 5,645 |
| Tier 1 risk-based capital ratio | 11.2787% | 6,119 |
| Total risk-based capital ratio | 12.5187% | 6,125 |
| Memoranda: | ||
| Average total assets | $224,010,750 | 2,859 |
| Average earning assets | $212,179,750 | 2,766 |
| Average equity | $19,494,750 | 3,254 |
| Average total loans | $173,498,000 | 2,468 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6323% | 2,016 |
| Cost of funding earning assets | 1.3510% | 4,189 |
| Net interest margin | 4.2813% | 1,848 |
| Noninterest income to average assets | 0.3516% | 5,335 |
| Noninterest expense to average assets | 2.8615% | 4,221 |
| Loan and lease loss provision to assets | 0.0805% | 6,130 |
| Net operating income to assets | 1.4621% | 973 |
| Return on assets (ROA) | 1.4621% | 1,036 |
| Pretax return on assets | 1.4531% | 1,687 |
| Return on Equity (ROE) | 16.8610% | 589 |
| Retained earnings to average equity (ytd only) | -3.9624% | 6,432 |
| Net charge-offs to loans | 0.0267% | 5,959 |
| Credit loss provision to net charge-offs | 391.3043% | 924 |
| Earnings coverage of net charge-offs (x) | 74.5217% | 424 |
| Efficiency ratio | 65.1059% | 5,130 |
| Assets per employee ($millions) | 3.7000% | 4,470 |
| Cash dividends to net income (ytd only)* | 123.5006% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 5,483 |
| Loan loss allowance to noncurrent loans | 47.7688% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 2.2565% | 3,188 |
| Noncurrent loans to loans | 2.5010% | 3,151 |
| Net loans and leases to total assets | 75.7061% | 1,541 |
| Net loans and leases to deposits | 88.9428% | 2,008 |
| Net loans and leases to core deposits | 104.8939% | 1,551 |
| Total domestic deposits to total assets | 85.1178% | 3,566 |
| Equity capital to assets | 8.4989% | 6,166 |
| Core capital (leverage) ratio | 8.2175% | 5,913 |
| Tier 1 risk-based capital ratio | 11.0212% | 6,218 |
| Total risk-based capital ratio | 12.2432% | 6,228 |
| Memoranda: | ||
| Average total assets | $223,519,330 | 2,889 |
| Average earning assets | $211,104,670 | 2,803 |
| Average equity | $19,382,000 | 3,256 |
| Average total loans | $172,510,330 | 2,512 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6180% | 2,081 |
| Cost of funding earning assets | 1.3730% | 4,339 |
| Net interest margin | 4.2450% | 1,870 |
| Noninterest income to average assets | 0.3435% | 5,392 |
| Noninterest expense to average assets | 2.8413% | 4,315 |
| Loan and lease loss provision to assets | 0.0809% | 5,832 |
| Net operating income to assets | 1.4423% | 997 |
| Return on assets (ROA) | 1.4423% | 1,074 |
| Pretax return on assets | 1.4243% | 1,710 |
| Return on Equity (ROE) | 16.4665% | 655 |
| Retained earnings to average equity (ytd only) | -3.4493% | 6,420 |
| Net charge-offs to loans | 0.0093% | 5,465 |
| Credit loss provision to net charge-offs | 1,125.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 209.2500% | 162 |
| Efficiency ratio | 65.3703% | 5,239 |
| Assets per employee ($millions) | 3.8125% | 4,279 |
| Cash dividends to net income (ytd only)* | 120.9476% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,667 |
| Loan loss allowance to noncurrent loans | 53.5714% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 2.1175% | 3,359 |
| Noncurrent loans to loans | 2.1810% | 3,557 |
| Net loans and leases to total assets | 76.7127% | 1,389 |
| Net loans and leases to deposits | 90.2301% | 1,872 |
| Net loans and leases to core deposits | 105.8522% | 1,587 |
| Total domestic deposits to total assets | 85.0190% | 3,671 |
| Equity capital to assets | 8.6237% | 5,842 |
| Core capital (leverage) ratio | 8.3458% | 5,649 |
| Tier 1 risk-based capital ratio | 11.0662% | 6,099 |
| Total risk-based capital ratio | 12.2644% | 6,115 |
| Memoranda: | ||
| Average total assets | $222,429,500 | 2,959 |
| Average earning assets | $209,753,000 | 2,877 |
| Average equity | $19,482,000 | 3,268 |
| Average total loans | $172,298,500 | 2,578 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1313% | 1,433 |
| Cost of funding earning assets | 1.8216% | 3,875 |
| Net interest margin | 4.3097% | 1,691 |
| Noninterest income to average assets | 0.5467% | 4,052 |
| Noninterest expense to average assets | 3.1249% | 3,634 |
| Loan and lease loss provision to assets | 0.1808% | 5,890 |
| Net operating income to assets | 1.2948% | 1,045 |
| Return on assets (ROA) | 1.2948% | 1,094 |
| Pretax return on assets | 1.3097% | 1,669 |
| Return on Equity (ROE) | 14.5692% | 708 |
| Retained earnings to average equity (ytd only) | 9.0221% | 498 |
| Net charge-offs to loans | 0.0773% | 6,342 |
| Credit loss provision to net charge-offs | 290.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 23.9077% | 920 |
| Efficiency ratio | 67.7057% | 5,058 |
| Assets per employee ($millions) | 3.8583% | 4,120 |
| Cash dividends to net income (ytd only)* | 38.0741% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 5,493 |
| Loan loss allowance to noncurrent loans | 72.9296% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.5151% | 4,109 |
| Noncurrent loans to loans | 1.6123% | 4,236 |
| Net loans and leases to total assets | 76.3920% | 1,713 |
| Net loans and leases to deposits | 90.3227% | 2,172 |
| Net loans and leases to core deposits | 110.4259% | 2,846 |
| Total domestic deposits to total assets | 84.5767% | 3,766 |
| Equity capital to assets | 8.8968% | 5,287 |
| Core capital (leverage) ratio | 8.7329% | 4,864 |
| Tier 1 risk-based capital ratio | 11.5457% | 5,351 |
| Total risk-based capital ratio | 12.7604% | 5,350 |
| Memoranda: | ||
| Average total assets | $208,519,200 | 3,076 |
| Average earning assets | $196,858,800 | 3,013 |
| Average equity | $18,532,200 | 3,417 |
| Average total loans | $168,270,400 | 2,647 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2276% | 1,305 |
| Cost of funding earning assets | 1.9071% | 3,846 |
| Net interest margin | 4.3205% | 1,675 |
| Noninterest income to average assets | 0.3818% | 5,463 |
| Noninterest expense to average assets | 3.0728% | 3,758 |
| Loan and lease loss provision to assets | 0.0700% | 6,659 |
| Net operating income to assets | 1.3108% | 1,193 |
| Return on assets (ROA) | 1.3108% | 1,269 |
| Pretax return on assets | 1.3277% | 1,886 |
| Return on Equity (ROE) | 14.7530% | 803 |
| Retained earnings to average equity (ytd only) | 7.2525% | 1,413 |
| Net charge-offs to loans | 0.0953% | 5,720 |
| Credit loss provision to net charge-offs | 90.0000% | 5,480 |
| Earnings coverage of net charge-offs (x) | 17.9662% | 1,372 |
| Efficiency ratio | 68.7355% | 4,836 |
| Assets per employee ($millions) | 3.7319% | 4,355 |
| Cash dividends to net income (ytd only)* | 50.8407% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 6,230 |
| Loan loss allowance to noncurrent loans | 36.1822% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 2.5386% | 2,735 |
| Noncurrent loans to loans | 2.7903% | 2,724 |
| Net loans and leases to total assets | 80.2025% | 1,131 |
| Net loans and leases to deposits | 95.0573% | 1,703 |
| Net loans and leases to core deposits | 121.9511% | 2,076 |
| Total domestic deposits to total assets | 84.3728% | 3,539 |
| Equity capital to assets | 8.8793% | 5,661 |
| Core capital (leverage) ratio | 8.5673% | 5,354 |
| Tier 1 risk-based capital ratio | 11.1875% | 5,770 |
| Total risk-based capital ratio | 12.2503% | 5,918 |
| Memoranda: | ||
| Average total assets | $205,668,750 | 3,133 |
| Average earning assets | $194,634,500 | 3,061 |
| Average equity | $18,273,750 | 3,487 |
| Average total loans | $167,837,750 | 2,676 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2483% | 1,334 |
| Cost of funding earning assets | 1.9733% | 3,901 |
| Net interest margin | 4.2750% | 1,729 |
| Noninterest income to average assets | 0.3699% | 5,552 |
| Noninterest expense to average assets | 3.0504% | 3,878 |
| Loan and lease loss provision to assets | 0.0620% | 6,594 |
| Net operating income to assets | 1.2719% | 1,299 |
| Return on assets (ROA) | 1.2719% | 1,380 |
| Pretax return on assets | 1.2916% | 2,046 |
| Return on Equity (ROE) | 14.3118% | 942 |
| Retained earnings to average equity (ytd only) | 4.5271% | 2,775 |
| Net charge-offs to loans | 0.0577% | 5,689 |
| Credit loss provision to net charge-offs | 131.2500% | 3,553 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,031 |
| Efficiency ratio | 69.2651% | 4,934 |
| Assets per employee ($millions) | 3.5412% | 4,707 |
| Cash dividends to net income (ytd only)* | 68.3681% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 5,986 |
| Loan loss allowance to noncurrent loans | 41.0835% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 2.2744% | 2,863 |
| Noncurrent loans to loans | 2.5205% | 2,867 |
| Net loans and leases to total assets | 80.8266% | 1,166 |
| Net loans and leases to deposits | 96.2409% | 1,760 |
| Net loans and leases to core deposits | 124.7911% | 1,955 |
| Total domestic deposits to total assets | 83.9836% | 3,787 |
| Equity capital to assets | 8.7604% | 5,663 |
| Core capital (leverage) ratio | 8.5247% | 5,397 |
| Tier 1 risk-based capital ratio | 10.9295% | 5,957 |
| Total risk-based capital ratio | 12.0191% | 6,051 |
| Memoranda: | ||
| Average total assets | $203,318,670 | 3,186 |
| Average earning assets | $191,861,330 | 3,122 |
| Average equity | $18,069,000 | 3,539 |
| Average total loans | $166,335,000 | 2,725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2911% | 1,326 |
| Cost of funding earning assets | 1.9936% | 4,161 |
| Net interest margin | 4.2976% | 1,609 |
| Noninterest income to average assets | 0.2913% | 6,108 |
| Noninterest expense to average assets | 3.0482% | 3,562 |
| Loan and lease loss provision to assets | 0.0439% | 6,421 |
| Net operating income to assets | 1.2288% | 1,572 |
| Return on assets (ROA) | 1.2288% | 1,677 |
| Pretax return on assets | 1.2588% | 2,416 |
| Return on Equity (ROE) | 13.7255% | 1,220 |
| Retained earnings to average equity (ytd only) | 2.5847% | 4,441 |
| Net charge-offs to loans | 0.0975% | 4,205 |
| Credit loss provision to net charge-offs | 55.0000% | 4,602 |
| Earnings coverage of net charge-offs (x) | 16.3250% | 1,558 |
| Efficiency ratio | 70.0596% | 4,567 |
| Assets per employee ($millions) | 3.5688% | 4,654 |
| Cash dividends to net income (ytd only)* | 81.1688% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 5,849 |
| Loan loss allowance to noncurrent loans | 46.0680% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.0700% | 2,794 |
| Noncurrent loans to loans | 2.2650% | 2,906 |
| Net loans and leases to total assets | 82.2817% | 973 |
| Net loans and leases to deposits | 100.1218% | 1,394 |
| Net loans and leases to core deposits | 133.7052% | 1,430 |
| Total domestic deposits to total assets | 82.1816% | 4,474 |
| Equity capital to assets | 9.0115% | 5,336 |
| Core capital (leverage) ratio | 8.5053% | 5,524 |
| Tier 1 risk-based capital ratio | 11.1728% | 5,729 |
| Total risk-based capital ratio | 12.2848% | 5,782 |
| Memoranda: | ||
| Average total assets | $200,513,000 | 3,240 |
| Average earning assets | $189,409,000 | 3,161 |
| Average equity | $17,952,000 | 3,567 |
| Average total loans | $164,183,500 | 2,782 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9000% | 1,397 |
| Cost of funding earning assets | 2.3766% | 4,827 |
| Net interest margin | 4.5235% | 1,365 |
| Noninterest income to average assets | 0.4426% | 5,093 |
| Noninterest expense to average assets | 3.2438% | 3,172 |
| Loan and lease loss provision to assets | 0.0587% | 6,675 |
| Net operating income to assets | 1.3469% | 1,353 |
| Return on assets (ROA) | 1.3469% | 1,312 |
| Pretax return on assets | 1.3560% | 2,109 |
| Return on Equity (ROE) | 14.7461% | 964 |
| Retained earnings to average equity (ytd only) | 7.9429% | 859 |
| Net charge-offs to loans | 0.0954% | 5,372 |
| Credit loss provision to net charge-offs | 74.3243% | 6,006 |
| Earnings coverage of net charge-offs (x) | 17.9054% | 1,737 |
| Efficiency ratio | 69.6310% | 4,424 |
| Assets per employee ($millions) | 3.5293% | 4,596 |
| Cash dividends to net income (ytd only)* | 46.1356% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,412 |
| Loan loss allowance to noncurrent loans | 46.8825% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 2.0679% | 2,380 |
| Noncurrent loans to loans | 2.3041% | 2,403 |
| Net loans and leases to total assets | 79.7516% | 1,713 |
| Net loans and leases to deposits | 95.0085% | 2,611 |
| Net loans and leases to core deposits | 121.3189% | 2,573 |
| Total domestic deposits to total assets | 83.9415% | 3,352 |
| Equity capital to assets | 8.8949% | 5,510 |
| Core capital (leverage) ratio | 8.6642% | 5,258 |
| Tier 1 risk-based capital ratio | 10.9430% | 5,779 |
| Total risk-based capital ratio | 12.0514% | 5,814 |
| Memoranda: | ||
| Average total assets | $187,312,400 | 3,308 |
| Average earning assets | $174,578,600 | 3,260 |
| Average equity | $17,109,600 | 3,721 |
| Average total loans | $155,136,600 | 2,847 |