Home > Clackamas County Bank > Performance and Condition Ratios
Clackamas County 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 | 3.5797% | 4,362 |
| Cost of funding earning assets | 0.6114% | 4,054 |
| Net interest margin | 2.9683% | 3,362 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.5448% | 2,173 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7212% | 3,130 |
| Return on assets (ROA) | 0.7212% | 3,107 |
| Pretax return on assets | 0.7253% | 3,385 |
| Return on Equity (ROE) | 9.4500% | 2,646 |
| Retained earnings to average equity (ytd only) | 1.4059% | 3,735 |
| Net charge-offs to loans | -0.0241% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.6174% | 1,102 |
| Assets per employee ($millions) | 5.3546% | 3,354 |
| Cash dividends to net income (ytd only)* | 85.1275% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,224 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.3600% | 3,635 |
| Net loans and leases to deposits | 63.4830% | 3,317 |
| Net loans and leases to core deposits | 65.6466% | 3,511 |
| Total domestic deposits to total assets | 77.7500% | 3,763 |
| Equity capital to assets | 8.5388% | 3,021 |
| Core capital (leverage) ratio | 11.4142% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5593% | 449 |
| Memoranda: | ||
| Average total assets | $293,657,400 | 2,453 |
| Average earning assets | $278,709,200 | 2,421 |
| Average equity | $22,406,000 | 2,660 |
| Average total loans | $136,664,400 | 2,802 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 4,385 |
| Cost of funding earning assets | 0.4713% | 4,175 |
| Net interest margin | 3.0252% | 3,291 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.5831% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7884% | 3,061 |
| Return on assets (ROA) | 0.7884% | 3,058 |
| Pretax return on assets | 0.7920% | 3,353 |
| Return on Equity (ROE) | 10.6400% | 2,468 |
| Retained earnings to average equity (ytd only) | 1.7769% | 3,775 |
| Net charge-offs to loans | -0.0346% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.4320% | 1,136 |
| Assets per employee ($millions) | 5.5838% | 3,112 |
| Cash dividends to net income (ytd only)* | 83.3046% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,278 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.7000% | 3,699 |
| Net loans and leases to deposits | 60.1576% | 3,497 |
| Net loans and leases to core deposits | 61.1329% | 3,651 |
| Total domestic deposits to total assets | 80.9500% | 3,392 |
| Equity capital to assets | 7.4626% | 3,376 |
| Core capital (leverage) ratio | 11.2389% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7319% | 445 |
| Memoranda: | ||
| Average total assets | $294,784,000 | 2,450 |
| Average earning assets | $279,775,250 | 2,417 |
| Average equity | $21,835,000 | 2,696 |
| Average total loans | $134,782,750 | 2,823 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4101% | 4,413 |
| Cost of funding earning assets | 0.3296% | 4,272 |
| Net interest margin | 3.0805% | 3,265 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.5862% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8094% | 3,050 |
| Return on assets (ROA) | 0.8094% | 3,059 |
| Pretax return on assets | 0.8270% | 3,337 |
| Return on Equity (ROE) | 10.9500% | 2,433 |
| Retained earnings to average equity (ytd only) | 1.3156% | 3,855 |
| Net charge-offs to loans | -0.0530% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.7714% | 1,190 |
| Assets per employee ($millions) | 5.7059% | 2,962 |
| Cash dividends to net income (ytd only)* | 87.9900% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,271 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.6000% | 3,813 |
| Net loans and leases to deposits | 57.0769% | 3,582 |
| Net loans and leases to core deposits | 57.5591% | 3,736 |
| Total domestic deposits to total assets | 79.8900% | 3,594 |
| Equity capital to assets | 7.3042% | 3,631 |
| Core capital (leverage) ratio | 11.0453% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9885% | 428 |
| Memoranda: | ||
| Average total assets | $296,260,000 | 2,455 |
| Average earning assets | $280,929,000 | 2,417 |
| Average equity | $21,890,667 | 2,707 |
| Average total loans | $132,093,667 | 2,845 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 4,467 |
| Cost of funding earning assets | 0.0952% | 4,541 |
| Net interest margin | 3.1624% | 3,204 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.7014% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8022% | 3,187 |
| Return on assets (ROA) | 0.8022% | 3,138 |
| Pretax return on assets | 0.8186% | 3,428 |
| Return on Equity (ROE) | 10.7900% | 2,547 |
| Retained earnings to average equity (ytd only) | -1.5970% | 4,183 |
| Net charge-offs to loans | -0.0093% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.7442% | 1,105 |
| Assets per employee ($millions) | 5.3137% | 3,396 |
| Cash dividends to net income (ytd only)* | 114.7959% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,143 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 44.1500% | 3,860 |
| Net loans and leases to deposits | 52.3460% | 3,775 |
| Net loans and leases to core deposits | 52.5200% | 3,889 |
| Total domestic deposits to total assets | 84.3500% | 3,013 |
| Equity capital to assets | 7.7118% | 3,438 |
| Core capital (leverage) ratio | 11.4861% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3549% | 414 |
| Memoranda: | ||
| Average total assets | $293,182,500 | 2,499 |
| Average earning assets | $277,383,500 | 2,463 |
| Average equity | $21,791,500 | 2,738 |
| Average total loans | $128,468,000 | 2,905 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 3,952 |
| Cost of funding earning assets | 0.0586% | 4,552 |
| Net interest margin | 3.0659% | 3,275 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.4581% | 2,249 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.0209% | 2,493 |
| Return on assets (ROA) | 1.0209% | 2,437 |
| Pretax return on assets | 1.0490% | 2,918 |
| Return on Equity (ROE) | 12.6900% | 1,909 |
| Retained earnings to average equity (ytd only) | 4.7012% | 3,170 |
| Net charge-offs to loans | -0.0110% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.4494% | 1,507 |
| Assets per employee ($millions) | 5.6560% | 3,082 |
| Cash dividends to net income (ytd only)* | 62.9618% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 2,839 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.5300% | 3,954 |
| Net loans and leases to deposits | 48.7581% | 3,942 |
| Net loans and leases to core deposits | 48.9721% | 4,020 |
| Total domestic deposits to total assets | 87.2200% | 2,320 |
| Equity capital to assets | 7.1555% | 3,580 |
| Core capital (leverage) ratio | 11.0677% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1929% | 362 |
| Memoranda: | ||
| Average total assets | $299,626,800 | 2,454 |
| Average earning assets | $285,103,200 | 2,419 |
| Average equity | $24,100,200 | 2,630 |
| Average total loans | $126,900,000 | 2,860 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0175% | 3,861 |
| Cost of funding earning assets | 0.0539% | 4,558 |
| Net interest margin | 2.9636% | 3,314 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.4398% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8943% | 2,887 |
| Return on assets (ROA) | 0.8943% | 2,867 |
| Pretax return on assets | 0.9187% | 3,263 |
| Return on Equity (ROE) | 10.8300% | 2,451 |
| Retained earnings to average equity (ytd only) | 2.8528% | 3,809 |
| Net charge-offs to loans | -0.0105% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.6457% | 1,426 |
| Assets per employee ($millions) | 5.8978% | 2,850 |
| Cash dividends to net income (ytd only)* | 73.6503% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,335 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 42.5400% | 3,966 |
| Net loans and leases to deposits | 47.8082% | 3,962 |
| Net loans and leases to core deposits | 48.1185% | 4,024 |
| Total domestic deposits to total assets | 88.9900% | 2,093 |
| Equity capital to assets | 6.5554% | 3,712 |
| Core capital (leverage) ratio | 10.6405% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9940% | 432 |
| Memoranda: | ||
| Average total assets | $301,006,000 | 2,465 |
| Average earning assets | $286,984,500 | 2,421 |
| Average equity | $24,864,000 | 2,628 |
| Average total loans | $127,002,750 | 2,857 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9688% | 3,630 |
| Cost of funding earning assets | 0.0488% | 4,602 |
| Net interest margin | 2.9200% | 3,115 |
| Noninterest income to average assets | 0.5520% | 1,938 |
| Noninterest expense to average assets | 2.4160% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8908% | 2,619 |
| Return on assets (ROA) | 0.8908% | 2,593 |
| Pretax return on assets | 0.9187% | 2,999 |
| Return on Equity (ROE) | 10.0905% | 2,298 |
| Retained earnings to average equity (ytd only) | 1.8736% | 3,787 |
| Net charge-offs to loans | -0.0095% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4502% | 1,694 |
| Assets per employee ($millions) | 5.5110% | 3,214 |
| Cash dividends to net income (ytd only)* | 81.4318% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 40.1772% | 4,064 |
| Net loans and leases to deposits | 46.0496% | 4,025 |
| Net loans and leases to core deposits | 46.4081% | 4,107 |
| Total domestic deposits to total assets | 87.2476% | 2,852 |
| Equity capital to assets | 7.9088% | 3,194 |
| Core capital (leverage) ratio | 10.6995% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2972% | 352 |
| Memoranda: | ||
| Average total assets | $301,078,333 | 2,478 |
| Average earning assets | $286,913,333 | 2,448 |
| Average equity | $26,579,333 | 2,603 |
| Average total loans | $126,147,667 | 2,883 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9308% | 3,453 |
| Cost of funding earning assets | 0.0443% | 4,636 |
| Net interest margin | 2.8865% | 2,885 |
| Noninterest income to average assets | 0.5786% | 1,786 |
| Noninterest expense to average assets | 2.3486% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9669% | 2,006 |
| Return on assets (ROA) | 0.9669% | 2,006 |
| Pretax return on assets | 0.9828% | 2,490 |
| Return on Equity (ROE) | 10.4196% | 1,818 |
| Retained earnings to average equity (ytd only) | 1.6370% | 3,647 |
| Net charge-offs to loans | -0.0093% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4996% | 2,156 |
| Assets per employee ($millions) | 5.9278% | 2,870 |
| Cash dividends to net income (ytd only)* | 84.2896% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 41.3332% | 3,934 |
| Net loans and leases to deposits | 47.7360% | 3,881 |
| Net loans and leases to core deposits | 48.2657% | 3,970 |
| Total domestic deposits to total assets | 86.5870% | 3,078 |
| Equity capital to assets | 8.4709% | 3,185 |
| Core capital (leverage) ratio | 10.3498% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4069% | 406 |
| Memoranda: | ||
| Average total assets | $302,821,500 | 2,482 |
| Average earning assets | $288,794,000 | 2,450 |
| Average equity | $28,101,000 | 2,600 |
| Average total loans | $128,639,500 | 2,863 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3006% | 3,216 |
| Cost of funding earning assets | 0.0506% | 4,685 |
| Net interest margin | 3.2500% | 2,464 |
| Noninterest income to average assets | 0.5703% | 2,278 |
| Noninterest expense to average assets | 2.4157% | 2,441 |
| Loan and lease loss provision to assets | -0.0854% | 4,497 |
| Net operating income to assets | 1.3096% | 1,575 |
| Return on assets (ROA) | 1.3096% | 1,615 |
| Pretax return on assets | 1.3304% | 2,261 |
| Return on Equity (ROE) | 12.3257% | 1,704 |
| Retained earnings to average equity (ytd only) | 3.9661% | 3,229 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9888% | 2,261 |
| Assets per employee ($millions) | 5.2297% | 3,533 |
| Cash dividends to net income (ytd only)* | 67.8227% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.5716% | 3,941 |
| Net loans and leases to deposits | 50.0232% | 3,876 |
| Net loans and leases to core deposits | 50.5861% | 3,987 |
| Total domestic deposits to total assets | 85.1037% | 3,239 |
| Equity capital to assets | 10.0859% | 2,576 |
| Core capital (leverage) ratio | 10.5800% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4673% | 468 |
| Memoranda: | ||
| Average total assets | $292,833,800 | 2,469 |
| Average earning assets | $278,463,200 | 2,444 |
| Average equity | $31,113,800 | 2,463 |
| Average total loans | $135,715,800 | 2,776 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 3,127 |
| Cost of funding earning assets | 0.0532% | 4,762 |
| Net interest margin | 3.3382% | 2,311 |
| Noninterest income to average assets | 0.5913% | 2,246 |
| Noninterest expense to average assets | 2.4166% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3250% | 1,744 |
| Return on assets (ROA) | 1.3250% | 1,804 |
| Pretax return on assets | 1.3461% | 2,497 |
| Return on Equity (ROE) | 12.3071% | 1,937 |
| Retained earnings to average equity (ytd only) | 4.1650% | 3,525 |
| Net charge-offs to loans | 0.0019% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,465.0000% | 100 |
| Efficiency ratio | 64.2247% | 2,352 |
| Assets per employee ($millions) | 5.5751% | 3,116 |
| Cash dividends to net income (ytd only)* | 66.1581% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.8551% | 4,035 |
| Net loans and leases to deposits | 51.4356% | 3,926 |
| Net loans and leases to core deposits | 51.8492% | 4,047 |
| Total domestic deposits to total assets | 83.3181% | 3,629 |
| Equity capital to assets | 10.4366% | 2,503 |
| Core capital (leverage) ratio | 10.4725% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6622% | 501 |
| Memoranda: | ||
| Average total assets | $290,211,250 | 2,496 |
| Average earning assets | $275,708,750 | 2,477 |
| Average equity | $31,244,000 | 2,484 |
| Average total loans | $136,963,750 | 2,795 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3666% | 3,275 |
| Cost of funding earning assets | 0.0551% | 4,801 |
| Net interest margin | 3.3114% | 2,406 |
| Noninterest income to average assets | 0.6050% | 2,195 |
| Noninterest expense to average assets | 2.4599% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2680% | 1,962 |
| Return on assets (ROA) | 1.2680% | 2,035 |
| Pretax return on assets | 1.2882% | 2,666 |
| Return on Equity (ROE) | 11.6529% | 2,180 |
| Retained earnings to average equity (ytd only) | 3.2772% | 3,749 |
| Net charge-offs to loans | -0.0101% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6302% | 2,206 |
| Assets per employee ($millions) | 5.6126% | 3,001 |
| Cash dividends to net income (ytd only)* | 71.8767% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.5162% | 3,778 |
| Net loans and leases to deposits | 57.3844% | 3,607 |
| Net loans and leases to core deposits | 58.5757% | 3,719 |
| Total domestic deposits to total assets | 82.8034% | 3,749 |
| Equity capital to assets | 10.7242% | 2,209 |
| Core capital (leverage) ratio | 10.5312% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4929% | 572 |
| Memoranda: | ||
| Average total assets | $286,596,333 | 2,512 |
| Average earning assets | $272,027,667 | 2,495 |
| Average equity | $31,185,333 | 2,483 |
| Average total loans | $138,998,333 | 2,791 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4055% | 3,177 |
| Cost of funding earning assets | 0.0550% | 4,845 |
| Net interest margin | 3.3505% | 2,247 |
| Noninterest income to average assets | 0.5606% | 2,368 |
| Noninterest expense to average assets | 2.4623% | 2,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2523% | 1,970 |
| Return on assets (ROA) | 1.2523% | 2,050 |
| Pretax return on assets | 1.2734% | 2,644 |
| Return on Equity (ROE) | 11.4236% | 2,212 |
| Retained earnings to average equity (ytd only) | 2.0688% | 3,995 |
| Net charge-offs to loans | -0.0087% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9125% | 2,247 |
| Assets per employee ($millions) | 5.6928% | 2,918 |
| Cash dividends to net income (ytd only)* | 81.8898% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 45.8926% | 3,966 |
| Net loans and leases to deposits | 55.2843% | 3,842 |
| Net loans and leases to core deposits | 56.4114% | 3,947 |
| Total domestic deposits to total assets | 83.0120% | 3,684 |
| Equity capital to assets | 10.2795% | 2,449 |
| Core capital (leverage) ratio | 11.0620% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9854% | 514 |
| Memoranda: | ||
| Average total assets | $283,967,500 | 2,519 |
| Average earning assets | $269,091,000 | 2,496 |
| Average equity | $31,128,500 | 2,483 |
| Average total loans | $138,233,500 | 2,808 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 2,929 |
| Cost of funding earning assets | 0.0734% | 4,919 |
| Net interest margin | 3.8585% | 1,337 |
| Noninterest income to average assets | 0.5536% | 2,407 |
| Noninterest expense to average assets | 2.7613% | 2,037 |
| Loan and lease loss provision to assets | -0.0573% | 4,943 |
| Net operating income to assets | 1.4667% | 883 |
| Return on assets (ROA) | 1.4667% | 964 |
| Pretax return on assets | 1.4884% | 1,369 |
| Return on Equity (ROE) | 11.9641% | 1,333 |
| Retained earnings to average equity (ytd only) | 4.3934% | 2,596 |
| Net charge-offs to loans | -0.1150% | 4,833 |
| Credit loss provision to net charge-offs | 92.3567% | 2,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8649% | 2,555 |
| Assets per employee ($millions) | 5.3315% | 3,017 |
| Cash dividends to net income (ytd only)* | 63.2785% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 50.3566% | 3,796 |
| Net loans and leases to deposits | 63.9898% | 3,439 |
| Net loans and leases to core deposits | 65.4231% | 3,591 |
| Total domestic deposits to total assets | 78.6947% | 4,233 |
| Equity capital to assets | 11.7050% | 1,732 |
| Core capital (leverage) ratio | 11.1965% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5611% | 470 |
| Memoranda: | ||
| Average total assets | $252,889,000 | 2,561 |
| Average earning assets | $238,486,400 | 2,535 |
| Average equity | $31,001,000 | 2,432 |
| Average total loans | $136,509,600 | 2,786 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,089 |
| Cost of funding earning assets | 0.0769% | 4,962 |
| Net interest margin | 3.8823% | 1,393 |
| Noninterest income to average assets | 0.5830% | 2,238 |
| Noninterest expense to average assets | 2.8317% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3906% | 1,122 |
| Return on assets (ROA) | 1.3906% | 1,219 |
| Pretax return on assets | 1.4116% | 1,690 |
| Return on Equity (ROE) | 11.2052% | 1,621 |
| Retained earnings to average equity (ytd only) | 2.9139% | 3,555 |
| Net charge-offs to loans | -0.1520% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7342% | 2,364 |
| Assets per employee ($millions) | 5.2556% | 2,942 |
| Cash dividends to net income (ytd only)* | 73.9954% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 1,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 50.0761% | 4,095 |
| Net loans and leases to deposits | 62.9306% | 3,867 |
| Net loans and leases to core deposits | 64.2987% | 4,001 |
| Total domestic deposits to total assets | 79.5736% | 3,949 |
| Equity capital to assets | 11.3127% | 2,138 |
| Core capital (leverage) ratio | 11.0228% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7211% | 533 |
| Memoranda: | ||
| Average total assets | $248,134,000 | 2,578 |
| Average earning assets | $233,943,250 | 2,550 |
| Average equity | $30,794,500 | 2,430 |
| Average total loans | $135,945,250 | 2,798 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 2,931 |
| Cost of funding earning assets | 0.0866% | 4,993 |
| Net interest margin | 4.0548% | 1,208 |
| Noninterest income to average assets | 0.5983% | 2,136 |
| Noninterest expense to average assets | 3.0017% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3891% | 1,138 |
| Return on assets (ROA) | 1.3891% | 1,227 |
| Pretax return on assets | 1.4118% | 1,698 |
| Return on Equity (ROE) | 10.8196% | 1,697 |
| Retained earnings to average equity (ytd only) | 3.6065% | 3,120 |
| Net charge-offs to loans | -0.2252% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0122% | 2,231 |
| Assets per employee ($millions) | 4.9774% | 3,198 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 55.3119% | 3,748 |
| Net loans and leases to deposits | 70.9797% | 3,351 |
| Net loans and leases to core deposits | 72.1331% | 3,587 |
| Total domestic deposits to total assets | 77.9264% | 4,196 |
| Equity capital to assets | 12.3717% | 1,441 |
| Core capital (leverage) ratio | 12.3001% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1775% | 489 |
| Memoranda: | ||
| Average total assets | $237,996,667 | 2,620 |
| Average earning assets | $223,932,667 | 2,595 |
| Average equity | $30,555,667 | 2,435 |
| Average total loans | $134,103,333 | 2,818 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 2,897 |
| Cost of funding earning assets | 0.1091% | 5,031 |
| Net interest margin | 4.2016% | 919 |
| Noninterest income to average assets | 0.6972% | 1,661 |
| Noninterest expense to average assets | 3.4580% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1649% | 1,643 |
| Return on assets (ROA) | 1.1649% | 1,752 |
| Pretax return on assets | 1.1909% | 2,228 |
| Return on Equity (ROE) | 8.8945% | 2,157 |
| Retained earnings to average equity (ytd only) | 0.0398% | 3,981 |
| Net charge-offs to loans | -0.0062% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3829% | 1,767 |
| Assets per employee ($millions) | 5.0070% | 2,641 |
| Cash dividends to net income (ytd only)* | 99.5522% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 56.9845% | 3,756 |
| Net loans and leases to deposits | 75.5486% | 3,114 |
| Net loans and leases to core deposits | 77.1055% | 3,422 |
| Total domestic deposits to total assets | 75.4277% | 4,544 |
| Equity capital to assets | 13.3230% | 1,296 |
| Core capital (leverage) ratio | 12.8315% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9034% | 501 |
| Memoranda: | ||
| Average total assets | $230,072,000 | 2,623 |
| Average earning assets | $216,393,500 | 2,602 |
| Average equity | $30,131,000 | 2,443 |
| Average total loans | $129,960,500 | 2,834 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 3,254 |
| Cost of funding earning assets | 0.1173% | 5,084 |
| Net interest margin | 4.2813% | 1,131 |
| Noninterest income to average assets | 0.6295% | 2,095 |
| Noninterest expense to average assets | 3.0747% | 1,822 |
| Loan and lease loss provision to assets | -0.0772% | 5,047 |
| Net operating income to assets | 1.7056% | 646 |
| Return on assets (ROA) | 1.7056% | 693 |
| Pretax return on assets | 1.7139% | 1,157 |
| Return on Equity (ROE) | 13.6309% | 977 |
| Retained earnings to average equity (ytd only) | 4.9083% | 2,472 |
| Net charge-offs to loans | -0.1414% | 5,009 |
| Credit loss provision to net charge-offs | 96.1749% | 2,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2607% | 2,881 |
| Assets per employee ($millions) | 3.6479% | 4,324 |
| Cash dividends to net income (ytd only)* | 63.9918% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 54.3939% | 4,053 |
| Net loans and leases to deposits | 72.2343% | 3,504 |
| Net loans and leases to core deposits | 73.7267% | 3,743 |
| Total domestic deposits to total assets | 75.3020% | 4,674 |
| Equity capital to assets | 12.8692% | 1,603 |
| Core capital (leverage) ratio | 12.7887% | 1,338 |
| Tier 1 risk-based capital ratio | 23.3246% | 885 |
| Total risk-based capital ratio | 24.5778% | 867 |
| Memoranda: | ||
| Average total assets | $227,956,000 | 2,595 |
| Average earning assets | $217,338,600 | 2,548 |
| Average equity | $28,523,400 | 2,471 |
| Average total loans | $129,447,000 | 2,825 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 3,262 |
| Cost of funding earning assets | 0.1165% | 5,162 |
| Net interest margin | 4.3156% | 1,133 |
| Noninterest income to average assets | 0.6447% | 2,010 |
| Noninterest expense to average assets | 3.0834% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6774% | 777 |
| Return on assets (ROA) | 1.6774% | 820 |
| Pretax return on assets | 1.6868% | 1,376 |
| Return on Equity (ROE) | 13.5027% | 1,113 |
| Retained earnings to average equity (ytd only) | 4.6991% | 3,059 |
| Net charge-offs to loans | -0.1855% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6394% | 2,921 |
| Assets per employee ($millions) | 3.7265% | 4,249 |
| Cash dividends to net income (ytd only)* | 65.1993% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 1,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 54.5259% | 4,131 |
| Net loans and leases to deposits | 70.9063% | 3,698 |
| Net loans and leases to core deposits | 72.2367% | 3,936 |
| Total domestic deposits to total assets | 76.8985% | 4,527 |
| Equity capital to assets | 12.6581% | 1,807 |
| Core capital (leverage) ratio | 12.7306% | 1,471 |
| Tier 1 risk-based capital ratio | 23.0124% | 944 |
| Total risk-based capital ratio | 24.2669% | 926 |
| Memoranda: | ||
| Average total assets | $227,490,000 | 2,621 |
| Average earning assets | $217,470,250 | 2,572 |
| Average equity | $28,260,250 | 2,501 |
| Average total loans | $130,099,000 | 2,855 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4017% | 3,327 |
| Cost of funding earning assets | 0.1170% | 5,204 |
| Net interest margin | 4.2847% | 1,177 |
| Noninterest income to average assets | 0.6390% | 1,977 |
| Noninterest expense to average assets | 3.0552% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6818% | 751 |
| Return on assets (ROA) | 1.6818% | 781 |
| Pretax return on assets | 1.6933% | 1,281 |
| Return on Equity (ROE) | 13.6261% | 1,070 |
| Retained earnings to average equity (ytd only) | 4.5325% | 3,006 |
| Net charge-offs to loans | -0.2722% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3402% | 3,079 |
| Assets per employee ($millions) | 4.0124% | 3,847 |
| Cash dividends to net income (ytd only)* | 66.7367% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 56.5239% | 4,045 |
| Net loans and leases to deposits | 73.8467% | 3,531 |
| Net loans and leases to core deposits | 75.2510% | 3,791 |
| Total domestic deposits to total assets | 76.5423% | 4,618 |
| Equity capital to assets | 12.5738% | 1,816 |
| Core capital (leverage) ratio | 12.7046% | 1,438 |
| Tier 1 risk-based capital ratio | 23.6843% | 880 |
| Total risk-based capital ratio | 24.9413% | 859 |
| Memoranda: | ||
| Average total assets | $226,304,670 | 2,640 |
| Average earning assets | $217,050,330 | 2,584 |
| Average equity | $27,931,670 | 2,516 |
| Average total loans | $130,803,670 | 2,860 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 3,341 |
| Cost of funding earning assets | 0.1146% | 5,260 |
| Net interest margin | 4.2552% | 1,183 |
| Noninterest income to average assets | 0.6841% | 1,667 |
| Noninterest expense to average assets | 3.0190% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7521% | 655 |
| Return on assets (ROA) | 1.7521% | 675 |
| Pretax return on assets | 1.7574% | 1,083 |
| Return on Equity (ROE) | 14.3319% | 893 |
| Retained earnings to average equity (ytd only) | 5.1891% | 2,821 |
| Net charge-offs to loans | 0.0061% | 2,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 494.5000% | 157 |
| Efficiency ratio | 63.2068% | 3,356 |
| Assets per employee ($millions) | 3.8804% | 4,090 |
| Cash dividends to net income (ytd only)* | 63.7931% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,695 |
| Loan loss allowance to noncurrent loans | 1,084.5238% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 4,444 |
| Noncurrent loans to loans | 0.1287% | 4,160 |
| Net loans and leases to total assets | 57.2088% | 3,966 |
| Net loans and leases to deposits | 73.8366% | 3,465 |
| Net loans and leases to core deposits | 75.3542% | 3,703 |
| Total domestic deposits to total assets | 77.4803% | 4,594 |
| Equity capital to assets | 12.4253% | 1,780 |
| Core capital (leverage) ratio | 12.6200% | 1,447 |
| Tier 1 risk-based capital ratio | 23.3864% | 896 |
| Total risk-based capital ratio | 24.6397% | 876 |
| Memoranda: | ||
| Average total assets | $225,104,500 | 2,679 |
| Average earning assets | $216,486,000 | 2,614 |
| Average equity | $27,519,000 | 2,544 |
| Average total loans | $130,568,000 | 2,897 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 3,289 |
| Cost of funding earning assets | 0.1003% | 5,283 |
| Net interest margin | 4.1460% | 1,539 |
| Noninterest income to average assets | 0.6346% | 2,131 |
| Noninterest expense to average assets | 2.9923% | 2,061 |
| Loan and lease loss provision to assets | -0.1120% | 5,281 |
| Net operating income to assets | 1.7317% | 636 |
| Return on assets (ROA) | 1.7317% | 638 |
| Pretax return on assets | 1.7366% | 1,075 |
| Return on Equity (ROE) | 14.7717% | 881 |
| Retained earnings to average equity (ytd only) | 5.3291% | 2,579 |
| Net charge-offs to loans | -0.2379% | 5,286 |
| Credit loss provision to net charge-offs | 83.6120% | 2,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8127% | 3,063 |
| Assets per employee ($millions) | 3.8818% | 4,055 |
| Cash dividends to net income (ytd only)* | 63.9234% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,651 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 4,439 |
| Noncurrent loans to loans | 0.1310% | 4,149 |
| Net loans and leases to total assets | 57.1781% | 4,030 |
| Net loans and leases to deposits | 73.4258% | 3,551 |
| Net loans and leases to core deposits | 75.0415% | 3,784 |
| Total domestic deposits to total assets | 77.8719% | 4,514 |
| Equity capital to assets | 12.0247% | 1,876 |
| Core capital (leverage) ratio | 12.4024% | 1,514 |
| Tier 1 risk-based capital ratio | 23.5848% | 859 |
| Total risk-based capital ratio | 24.8404% | 833 |
| Memoranda: | ||
| Average total assets | $223,137,800 | 2,670 |
| Average earning assets | $214,325,400 | 2,608 |
| Average equity | $26,158,200 | 2,560 |
| Average total loans | $125,666,600 | 2,932 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2004% | 3,326 |
| Cost of funding earning assets | 0.0974% | 5,358 |
| Net interest margin | 4.1031% | 1,617 |
| Noninterest income to average assets | 0.6366% | 2,135 |
| Noninterest expense to average assets | 2.9824% | 2,060 |
| Loan and lease loss provision to assets | -0.1497% | 5,381 |
| Net operating income to assets | 1.7331% | 697 |
| Return on assets (ROA) | 1.7331% | 704 |
| Pretax return on assets | 1.7409% | 1,174 |
| Return on Equity (ROE) | 14.8810% | 899 |
| Retained earnings to average equity (ytd only) | 5.2603% | 3,083 |
| Net charge-offs to loans | -0.3204% | 5,365 |
| Credit loss provision to net charge-offs | 83.6120% | 2,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2089% | 3,004 |
| Assets per employee ($millions) | 3.8549% | 4,102 |
| Cash dividends to net income (ytd only)* | 64.6509% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,591 |
| Loan loss allowance to noncurrent loans | 1,048.2759% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 4,592 |
| Noncurrent loans to loans | 0.1364% | 4,270 |
| Net loans and leases to total assets | 55.2690% | 4,276 |
| Net loans and leases to deposits | 69.1466% | 3,983 |
| Net loans and leases to core deposits | 70.7122% | 4,145 |
| Total domestic deposits to total assets | 79.9303% | 4,139 |
| Equity capital to assets | 11.4746% | 2,279 |
| Core capital (leverage) ratio | 12.2896% | 1,624 |
| Tier 1 risk-based capital ratio | 24.1907% | 826 |
| Total risk-based capital ratio | 25.3786% | 810 |
| Memoranda: | ||
| Average total assets | $222,636,250 | 2,691 |
| Average earning assets | $213,624,000 | 2,621 |
| Average equity | $25,929,500 | 2,587 |
| Average total loans | $124,444,000 | 2,976 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,248 |
| Cost of funding earning assets | 0.0953% | 5,414 |
| Net interest margin | 4.0627% | 1,665 |
| Noninterest income to average assets | 0.6560% | 2,062 |
| Noninterest expense to average assets | 2.9842% | 2,081 |
| Loan and lease loss provision to assets | -0.2262% | 5,479 |
| Net operating income to assets | 1.7825% | 604 |
| Return on assets (ROA) | 1.7825% | 608 |
| Pretax return on assets | 1.7925% | 978 |
| Return on Equity (ROE) | 15.2280% | 806 |
| Retained earnings to average equity (ytd only) | 4.8235% | 3,165 |
| Net charge-offs to loans | -0.4829% | 5,432 |
| Credit loss provision to net charge-offs | 83.8926% | 2,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5796% | 3,044 |
| Assets per employee ($millions) | 4.0203% | 3,861 |
| Cash dividends to net income (ytd only)* | 68.3249% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,480 |
| Loan loss allowance to noncurrent loans | 1,001.6484% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 4,605 |
| Noncurrent loans to loans | 0.1469% | 4,240 |
| Net loans and leases to total assets | 54.2321% | 4,319 |
| Net loans and leases to deposits | 68.6208% | 3,975 |
| Net loans and leases to core deposits | 70.2067% | 4,128 |
| Total domestic deposits to total assets | 79.0316% | 4,422 |
| Equity capital to assets | 11.4674% | 2,224 |
| Core capital (leverage) ratio | 12.3059% | 1,537 |
| Tier 1 risk-based capital ratio | 23.3829% | 900 |
| Total risk-based capital ratio | 24.6373% | 878 |
| Memoranda: | ||
| Average total assets | $221,034,330 | 2,723 |
| Average earning assets | $211,879,330 | 2,650 |
| Average equity | $25,873,330 | 2,603 |
| Average total loans | $123,415,670 | 2,999 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 3,045 |
| Cost of funding earning assets | 0.0934% | 5,475 |
| Net interest margin | 4.0612% | 1,536 |
| Noninterest income to average assets | 0.7087% | 1,792 |
| Noninterest expense to average assets | 2.9171% | 2,301 |
| Loan and lease loss provision to assets | -0.4567% | 5,575 |
| Net operating income to assets | 2.1244% | 282 |
| Return on assets (ROA) | 2.1244% | 281 |
| Pretax return on assets | 2.1408% | 428 |
| Return on Equity (ROE) | 17.9603% | 416 |
| Retained earnings to average equity (ytd only) | 8.8335% | 1,526 |
| Net charge-offs to loans | -0.9646% | 5,538 |
| Credit loss provision to net charge-offs | 84.1751% | 1,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3982% | 3,576 |
| Assets per employee ($millions) | 3.8136% | 4,271 |
| Cash dividends to net income (ytd only)* | 50.8169% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 1,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.9774% | 4,211 |
| Net loans and leases to deposits | 69.7905% | 3,804 |
| Net loans and leases to core deposits | 71.6499% | 3,993 |
| Total domestic deposits to total assets | 78.7749% | 4,614 |
| Equity capital to assets | 11.7279% | 1,972 |
| Core capital (leverage) ratio | 12.4485% | 1,414 |
| Tier 1 risk-based capital ratio | 23.0660% | 937 |
| Total risk-based capital ratio | 24.2013% | 926 |
| Memoranda: | ||
| Average total assets | $218,984,500 | 2,765 |
| Average earning assets | $209,889,000 | 2,694 |
| Average equity | $25,901,500 | 2,623 |
| Average total loans | $123,164,500 | 3,025 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,033 |
| Cost of funding earning assets | 0.0915% | 5,527 |
| Net interest margin | 4.0152% | 1,705 |
| Noninterest income to average assets | 0.6370% | 2,260 |
| Noninterest expense to average assets | 2.9772% | 2,227 |
| Loan and lease loss provision to assets | 0.0628% | 2,976 |
| Net operating income to assets | 1.4509% | 904 |
| Return on assets (ROA) | 1.4509% | 917 |
| Pretax return on assets | 1.4551% | 1,801 |
| Return on Equity (ROE) | 12.2564% | 1,138 |
| Retained earnings to average equity (ytd only) | 4.3593% | 2,541 |
| Net charge-offs to loans | -0.0518% | 5,201 |
| Credit loss provision to net charge-offs | -214.2857% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2319% | 3,226 |
| Assets per employee ($millions) | 3.6130% | 4,552 |
| Cash dividends to net income (ytd only)* | 64.4323% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,601 |
| Loan loss allowance to noncurrent loans | 845.2381% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,644 |
| Noncurrent loans to loans | 0.1709% | 4,237 |
| Net loans and leases to total assets | 55.8756% | 4,199 |
| Net loans and leases to deposits | 72.0229% | 3,701 |
| Net loans and leases to core deposits | 74.0103% | 3,877 |
| Total domestic deposits to total assets | 77.5803% | 4,781 |
| Equity capital to assets | 11.9302% | 1,882 |
| Core capital (leverage) ratio | 12.2232% | 1,485 |
| Tier 1 risk-based capital ratio | 22.8494% | 924 |
| Total risk-based capital ratio | 24.1030% | 913 |
| Memoranda: | ||
| Average total assets | $214,901,400 | 2,765 |
| Average earning assets | $206,492,000 | 2,709 |
| Average equity | $25,439,800 | 2,648 |
| Average total loans | $121,515,400 | 3,039 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,229 |
| Cost of funding earning assets | 0.0898% | 5,590 |
| Net interest margin | 3.9449% | 1,875 |
| Noninterest income to average assets | 0.6373% | 2,266 |
| Noninterest expense to average assets | 2.9702% | 2,191 |
| Loan and lease loss provision to assets | 0.0839% | 2,413 |
| Net operating income to assets | 1.3729% | 1,150 |
| Return on assets (ROA) | 1.3729% | 1,167 |
| Pretax return on assets | 1.3779% | 2,188 |
| Return on Equity (ROE) | 11.6204% | 1,453 |
| Retained earnings to average equity (ytd only) | 3.5840% | 3,784 |
| Net charge-offs to loans | -0.0616% | 5,228 |
| Credit loss provision to net charge-offs | -241.0714% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0174% | 3,047 |
| Assets per employee ($millions) | 3.5674% | 4,628 |
| Cash dividends to net income (ytd only)* | 69.1576% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,718 |
| Loan loss allowance to noncurrent loans | 841.9048% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,755 |
| Noncurrent loans to loans | 0.1716% | 4,379 |
| Net loans and leases to total assets | 55.4296% | 4,282 |
| Net loans and leases to deposits | 70.4566% | 3,924 |
| Net loans and leases to core deposits | 72.4333% | 4,103 |
| Total domestic deposits to total assets | 78.6720% | 4,600 |
| Equity capital to assets | 11.8165% | 2,099 |
| Core capital (leverage) ratio | 12.0875% | 1,631 |
| Tier 1 risk-based capital ratio | 22.5718% | 988 |
| Total risk-based capital ratio | 23.8261% | 973 |
| Memoranda: | ||
| Average total assets | $214,432,250 | 2,794 |
| Average earning assets | $206,268,500 | 2,725 |
| Average equity | $25,334,250 | 2,678 |
| Average total loans | $121,169,000 | 3,063 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 3,219 |
| Cost of funding earning assets | 0.0895% | 5,634 |
| Net interest margin | 3.9057% | 1,909 |
| Noninterest income to average assets | 0.6346% | 2,293 |
| Noninterest expense to average assets | 2.9310% | 2,322 |
| Loan and lease loss provision to assets | 0.0844% | 2,299 |
| Net operating income to assets | 1.3751% | 1,119 |
| Return on assets (ROA) | 1.3751% | 1,145 |
| Pretax return on assets | 1.3807% | 2,096 |
| Return on Equity (ROE) | 11.6393% | 1,410 |
| Retained earnings to average equity (ytd only) | 3.1895% | 3,817 |
| Net charge-offs to loans | -0.0828% | 5,354 |
| Credit loss provision to net charge-offs | -180.0000% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6738% | 3,234 |
| Assets per employee ($millions) | 3.6303% | 4,531 |
| Cash dividends to net income (ytd only)* | 72.5971% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 2,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 56.4045% | 4,184 |
| Net loans and leases to deposits | 71.0347% | 3,826 |
| Net loans and leases to core deposits | 72.6618% | 4,043 |
| Total domestic deposits to total assets | 79.4042% | 4,530 |
| Equity capital to assets | 11.6952% | 2,158 |
| Core capital (leverage) ratio | 12.0407% | 1,612 |
| Tier 1 risk-based capital ratio | 22.5920% | 984 |
| Total risk-based capital ratio | 23.8452% | 968 |
| Memoranda: | ||
| Average total assets | $213,372,670 | 2,820 |
| Average earning assets | $205,495,670 | 2,751 |
| Average equity | $25,207,670 | 2,689 |
| Average total loans | $120,762,330 | 3,079 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 2,998 |
| Cost of funding earning assets | 0.0904% | 5,687 |
| Net interest margin | 3.9199% | 1,708 |
| Noninterest income to average assets | 0.6725% | 2,078 |
| Noninterest expense to average assets | 2.9363% | 2,344 |
| Loan and lease loss provision to assets | 0.0852% | 2,113 |
| Net operating income to assets | 1.4246% | 947 |
| Return on assets (ROA) | 1.4246% | 973 |
| Pretax return on assets | 1.4303% | 1,764 |
| Return on Equity (ROE) | 11.9963% | 1,237 |
| Retained earnings to average equity (ytd only) | 2.9193% | 3,952 |
| Net charge-offs to loans | 0.2827% | 639 |
| Credit loss provision to net charge-offs | 53.5714% | 1,956 |
| Earnings coverage of net charge-offs (x) | 9.5238% | 1,989 |
| Efficiency ratio | 65.9574% | 3,505 |
| Assets per employee ($millions) | 3.6858% | 4,523 |
| Cash dividends to net income (ytd only)* | 75.6649% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 55.1919% | 4,238 |
| Net loans and leases to deposits | 69.4084% | 3,863 |
| Net loans and leases to core deposits | 71.1368% | 4,063 |
| Total domestic deposits to total assets | 79.5176% | 4,708 |
| Equity capital to assets | 11.7783% | 1,982 |
| Core capital (leverage) ratio | 12.2827% | 1,456 |
| Tier 1 risk-based capital ratio | 23.1306% | 959 |
| Total risk-based capital ratio | 24.3823% | 947 |
| Memoranda: | ||
| Average total assets | $211,151,000 | 2,881 |
| Average earning assets | $203,575,500 | 2,794 |
| Average equity | $25,074,500 | 2,707 |
| Average total loans | $118,856,000 | 3,124 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,048 |
| Cost of funding earning assets | 0.1096% | 5,659 |
| Net interest margin | 3.9347% | 1,835 |
| Noninterest income to average assets | 0.9844% | 1,188 |
| Noninterest expense to average assets | 2.9185% | 2,608 |
| Loan and lease loss provision to assets | 0.0494% | 3,412 |
| Net operating income to assets | 1.8150% | 435 |
| Return on assets (ROA) | 1.8150% | 456 |
| Pretax return on assets | 1.8164% | 769 |
| Return on Equity (ROE) | 14.7885% | 656 |
| Retained earnings to average equity (ytd only) | 6.2038% | 1,608 |
| Net charge-offs to loans | -0.0073% | 4,872 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0003% | 4,417 |
| Assets per employee ($millions) | 3.5344% | 4,708 |
| Cash dividends to net income (ytd only)* | 58.0496% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,365 |
| Loan loss allowance to noncurrent loans | 1,752.2222% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 5,180 |
| Noncurrent loans to loans | 0.0761% | 4,936 |
| Net loans and leases to total assets | 55.9210% | 4,269 |
| Net loans and leases to deposits | 71.6332% | 3,748 |
| Net loans and leases to core deposits | 73.4960% | 3,962 |
| Total domestic deposits to total assets | 78.0658% | 4,971 |
| Equity capital to assets | 11.9744% | 1,827 |
| Core capital (leverage) ratio | 12.3398% | 1,413 |
| Tier 1 risk-based capital ratio | 23.4754% | 921 |
| Total risk-based capital ratio | 24.7282% | 909 |
| Memoranda: | ||
| Average total assets | $202,263,600 | 2,932 |
| Average earning assets | $195,336,800 | 2,846 |
| Average equity | $24,823,400 | 2,737 |
| Average total loans | $110,215,000 | 3,212 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 3,234 |
| Cost of funding earning assets | 0.1142% | 5,703 |
| Net interest margin | 3.8856% | 2,026 |
| Noninterest income to average assets | 1.1207% | 913 |
| Noninterest expense to average assets | 2.9357% | 2,516 |
| Loan and lease loss provision to assets | 0.0332% | 3,567 |
| Net operating income to assets | 1.9013% | 399 |
| Return on assets (ROA) | 1.9013% | 423 |
| Pretax return on assets | 1.9040% | 702 |
| Return on Equity (ROE) | 15.3949% | 623 |
| Retained earnings to average equity (ytd only) | 7.1757% | 1,538 |
| Net charge-offs to loans | -0.0111% | 4,804 |
| Credit loss provision to net charge-offs | -555.5556% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2454% | 4,504 |
| Assets per employee ($millions) | 3.5664% | 4,694 |
| Cash dividends to net income (ytd only)* | 53.3892% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 55.1554% | 4,390 |
| Net loans and leases to deposits | 69.9310% | 3,996 |
| Net loans and leases to core deposits | 71.7433% | 4,181 |
| Total domestic deposits to total assets | 78.8712% | 4,750 |
| Equity capital to assets | 12.4032% | 1,837 |
| Core capital (leverage) ratio | 11.7617% | 1,834 |
| Tier 1 risk-based capital ratio | 22.0375% | 1,134 |
| Total risk-based capital ratio | 23.2902% | 1,112 |
| Memoranda: | ||
| Average total assets | $200,697,500 | 2,957 |
| Average earning assets | $193,803,000 | 2,870 |
| Average equity | $24,786,750 | 2,761 |
| Average total loans | $108,221,750 | 3,248 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,329 |
| Cost of funding earning assets | 0.1213% | 5,750 |
| Net interest margin | 3.8534% | 2,123 |
| Noninterest income to average assets | 0.7219% | 2,041 |
| Noninterest expense to average assets | 2.9832% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4458% | 975 |
| Return on assets (ROA) | 1.4458% | 1,029 |
| Pretax return on assets | 1.4498% | 1,839 |
| Return on Equity (ROE) | 11.7239% | 1,410 |
| Retained earnings to average equity (ytd only) | 3.6576% | 3,563 |
| Net charge-offs to loans | -0.0095% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2950% | 3,485 |
| Assets per employee ($millions) | 3.4554% | 4,825 |
| Cash dividends to net income (ytd only)* | 68.8022% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 3,082 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 55.5383% | 4,356 |
| Net loans and leases to deposits | 70.9957% | 3,884 |
| Net loans and leases to core deposits | 72.6642% | 4,117 |
| Total domestic deposits to total assets | 78.2277% | 4,953 |
| Equity capital to assets | 12.4277% | 1,822 |
| Core capital (leverage) ratio | 12.2586% | 1,483 |
| Tier 1 risk-based capital ratio | 22.6978% | 1,049 |
| Total risk-based capital ratio | 23.9512% | 1,032 |
| Memoranda: | ||
| Average total assets | $198,646,670 | 2,988 |
| Average earning assets | $191,312,670 | 2,915 |
| Average equity | $24,497,000 | 2,792 |
| Average total loans | $105,756,670 | 3,311 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 2,562 |
| Cost of funding earning assets | 0.1365% | 5,704 |
| Net interest margin | 4.0390% | 1,510 |
| Noninterest income to average assets | 0.7099% | 1,992 |
| Noninterest expense to average assets | 2.9712% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4421% | 955 |
| Return on assets (ROA) | 1.4421% | 1,001 |
| Pretax return on assets | 1.4502% | 1,750 |
| Return on Equity (ROE) | 11.7405% | 1,386 |
| Retained earnings to average equity (ytd only) | 4.2977% | 3,333 |
| Net charge-offs to loans | -0.0235% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2004% | 3,598 |
| Assets per employee ($millions) | 3.5830% | 4,680 |
| Cash dividends to net income (ytd only)* | 63.3941% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 2,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 3,010 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 51.9131% | 4,635 |
| Net loans and leases to deposits | 66.7581% | 4,180 |
| Net loans and leases to core deposits | 68.3330% | 4,370 |
| Total domestic deposits to total assets | 77.7629% | 5,185 |
| Equity capital to assets | 12.2698% | 1,850 |
| Core capital (leverage) ratio | 12.4693% | 1,351 |
| Tier 1 risk-based capital ratio | 23.4818% | 967 |
| Total risk-based capital ratio | 24.7342% | 959 |
| Memoranda: | ||
| Average total assets | $197,762,500 | 3,011 |
| Average earning assets | $181,728,000 | 3,029 |
| Average equity | $24,292,000 | 2,807 |
| Average total loans | $102,244,500 | 3,385 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,267 |
| Cost of funding earning assets | 0.2028% | 5,260 |
| Net interest margin | 3.8090% | 2,340 |
| Noninterest income to average assets | 0.7311% | 2,058 |
| Noninterest expense to average assets | 3.1215% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2865% | 1,301 |
| Return on assets (ROA) | 1.2865% | 1,345 |
| Pretax return on assets | 1.2886% | 2,327 |
| Return on Equity (ROE) | 10.1819% | 1,938 |
| Retained earnings to average equity (ytd only) | 2.0002% | 4,591 |
| Net charge-offs to loans | -0.0625% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7802% | 3,099 |
| Assets per employee ($millions) | 3.4189% | 4,952 |
| Cash dividends to net income (ytd only)* | 80.3549% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 2,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 2,945 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 49.9713% | 4,871 |
| Net loans and leases to deposits | 61.8222% | 4,643 |
| Net loans and leases to core deposits | 63.1594% | 4,787 |
| Total domestic deposits to total assets | 80.8306% | 4,536 |
| Equity capital to assets | 12.2974% | 1,742 |
| Core capital (leverage) ratio | 12.4391% | 1,380 |
| Tier 1 risk-based capital ratio | 24.9982% | 813 |
| Total risk-based capital ratio | 26.2511% | 803 |
| Memoranda: | ||
| Average total assets | $188,339,000 | 3,075 |
| Average earning assets | $181,911,800 | 2,981 |
| Average equity | $23,797,200 | 2,803 |
| Average total loans | $100,756,200 | 3,373 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0046% | 3,317 |
| Cost of funding earning assets | 0.2133% | 5,253 |
| Net interest margin | 3.7913% | 2,421 |
| Noninterest income to average assets | 0.7320% | 2,099 |
| Noninterest expense to average assets | 3.0950% | 2,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2990% | 1,346 |
| Return on assets (ROA) | 1.2990% | 1,400 |
| Pretax return on assets | 1.3054% | 2,379 |
| Return on Equity (ROE) | 10.2094% | 2,022 |
| Retained earnings to average equity (ytd only) | 1.9083% | 4,931 |
| Net charge-offs to loans | -0.0026% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3343% | 3,158 |
| Assets per employee ($millions) | 3.2244% | 5,249 |
| Cash dividends to net income (ytd only)* | 81.3085% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 2,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 2,902 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.4167% | 4,716 |
| Net loans and leases to deposits | 64.1661% | 4,545 |
| Net loans and leases to core deposits | 65.6839% | 4,714 |
| Total domestic deposits to total assets | 81.6892% | 4,259 |
| Equity capital to assets | 12.7268% | 1,601 |
| Core capital (leverage) ratio | 12.4899% | 1,422 |
| Tier 1 risk-based capital ratio | 24.4814% | 898 |
| Total risk-based capital ratio | 25.7349% | 886 |
| Memoranda: | ||
| Average total assets | $186,704,250 | 3,118 |
| Average earning assets | $180,655,500 | 3,014 |
| Average equity | $23,755,250 | 2,829 |
| Average total loans | $101,232,250 | 3,398 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 3,416 |
| Cost of funding earning assets | 0.2262% | 5,182 |
| Net interest margin | 3.7412% | 2,540 |
| Noninterest income to average assets | 0.7428% | 2,031 |
| Noninterest expense to average assets | 3.0723% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2785% | 1,385 |
| Return on assets (ROA) | 1.2785% | 1,444 |
| Pretax return on assets | 1.2893% | 2,401 |
| Return on Equity (ROE) | 10.0494% | 2,044 |
| Retained earnings to average equity (ytd only) | 1.1270% | 5,116 |
| Net charge-offs to loans | -0.0020% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4399% | 3,268 |
| Assets per employee ($millions) | 3.3536% | 5,064 |
| Cash dividends to net income (ytd only)* | 88.7858% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 2,716 |
| Loan loss allowance to noncurrent loans | 70,350.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 3,012 |
| Noncurrent loans to loans | 0.0020% | 5,772 |
| Net loans and leases to total assets | 51.5242% | 4,800 |
| Net loans and leases to deposits | 62.9344% | 4,627 |
| Net loans and leases to core deposits | 64.4060% | 4,781 |
| Total domestic deposits to total assets | 81.8697% | 4,336 |
| Equity capital to assets | 12.3523% | 1,768 |
| Core capital (leverage) ratio | 12.7918% | 1,258 |
| Tier 1 risk-based capital ratio | 25.9563% | 783 |
| Total risk-based capital ratio | 27.2102% | 770 |
| Memoranda: | ||
| Average total assets | $185,526,670 | 3,157 |
| Average earning assets | $179,461,330 | 3,046 |
| Average equity | $23,603,330 | 2,852 |
| Average total loans | $101,268,330 | 3,415 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 3,149 |
| Cost of funding earning assets | 0.2489% | 5,035 |
| Net interest margin | 3.7737% | 2,338 |
| Noninterest income to average assets | 0.7991% | 1,708 |
| Noninterest expense to average assets | 3.1021% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3486% | 1,142 |
| Return on assets (ROA) | 1.3486% | 1,210 |
| Pretax return on assets | 1.3486% | 2,083 |
| Return on Equity (ROE) | 10.4411% | 1,815 |
| Retained earnings to average equity (ytd only) | 0.3898% | 5,247 |
| Net charge-offs to loans | -0.0039% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7000% | 3,541 |
| Assets per employee ($millions) | 3.3660% | 5,142 |
| Cash dividends to net income (ytd only)* | 96.2662% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 2,774 |
| Loan loss allowance to noncurrent loans | 70,350.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 3,010 |
| Noncurrent loans to loans | 0.0020% | 5,815 |
| Net loans and leases to total assets | 53.2743% | 4,520 |
| Net loans and leases to deposits | 65.3207% | 4,227 |
| Net loans and leases to core deposits | 66.9284% | 4,431 |
| Total domestic deposits to total assets | 81.5581% | 4,652 |
| Equity capital to assets | 13.0955% | 1,348 |
| Core capital (leverage) ratio | 12.9474% | 1,172 |
| Tier 1 risk-based capital ratio | 30.9465% | 497 |
| Total risk-based capital ratio | 32.2049% | 492 |
| Memoranda: | ||
| Average total assets | $182,712,500 | 3,206 |
| Average earning assets | $176,804,000 | 3,093 |
| Average equity | $23,599,000 | 2,873 |
| Average total loans | $101,953,500 | 3,415 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,574 |
| Cost of funding earning assets | 0.3539% | 4,212 |
| Net interest margin | 3.9555% | 2,030 |
| Noninterest income to average assets | 0.7938% | 1,904 |
| Noninterest expense to average assets | 3.3486% | 1,801 |
| Loan and lease loss provision to assets | -0.1834% | 6,276 |
| Net operating income to assets | 1.4156% | 1,051 |
| Return on assets (ROA) | 1.4156% | 1,075 |
| Pretax return on assets | 1.4184% | 1,822 |
| Return on Equity (ROE) | 11.0816% | 1,702 |
| Retained earnings to average equity (ytd only) | 3.6040% | 3,652 |
| Net charge-offs to loans | 0.1915% | 2,131 |
| Credit loss provision to net charge-offs | -165.8163% | 5,593 |
| Earnings coverage of net charge-offs (x) | 11.1684% | 2,533 |
| Efficiency ratio | 73.0551% | 3,020 |
| Assets per employee ($millions) | 3.2796% | 5,294 |
| Cash dividends to net income (ytd only)* | 67.4771% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 3,264 |
| Loan loss allowance to noncurrent loans | 907.0968% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.8292% | 3,136 |
| Noncurrent loans to loans | 0.1467% | 5,305 |
| Net loans and leases to total assets | 56.7679% | 4,231 |
| Net loans and leases to deposits | 69.9093% | 3,920 |
| Net loans and leases to core deposits | 71.9506% | 4,126 |
| Total domestic deposits to total assets | 81.2022% | 4,680 |
| Equity capital to assets | 12.7382% | 1,510 |
| Core capital (leverage) ratio | 13.0109% | 1,134 |
| Tier 1 risk-based capital ratio | 22.2870% | 1,183 |
| Total risk-based capital ratio | 23.5385% | 1,162 |
| Memoranda: | ||
| Average total assets | $177,239,200 | 3,240 |
| Average earning assets | $169,815,800 | 3,157 |
| Average equity | $22,641,200 | 2,890 |
| Average total loans | $102,365,000 | 3,369 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,569 |
| Cost of funding earning assets | 0.3786% | 4,034 |
| Net interest margin | 3.9349% | 2,092 |
| Noninterest income to average assets | 0.8199% | 1,813 |
| Noninterest expense to average assets | 3.3007% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2784% | 1,444 |
| Return on assets (ROA) | 1.2784% | 1,496 |
| Pretax return on assets | 1.2822% | 2,448 |
| Return on Equity (ROE) | 10.0000% | 2,218 |
| Retained earnings to average equity (ytd only) | 3.1116% | 4,408 |
| Net charge-offs to loans | 0.1458% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.2158% | 2,070 |
| Efficiency ratio | 72.0225% | 3,172 |
| Assets per employee ($millions) | 3.3143% | 5,218 |
| Cash dividends to net income (ytd only)* | 68.8836% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 1,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 3,526 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.5612% | 3,993 |
| Net loans and leases to deposits | 71.6394% | 3,721 |
| Net loans and leases to core deposits | 73.8900% | 3,952 |
| Total domestic deposits to total assets | 81.7444% | 4,565 |
| Equity capital to assets | 12.7871% | 1,534 |
| Core capital (leverage) ratio | 12.9694% | 1,193 |
| Tier 1 risk-based capital ratio | 21.6966% | 1,308 |
| Total risk-based capital ratio | 22.9097% | 1,292 |
| Memoranda: | ||
| Average total assets | $175,634,000 | 3,283 |
| Average earning assets | $167,963,750 | 3,207 |
| Average equity | $22,452,750 | 2,909 |
| Average total loans | $101,539,750 | 3,419 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 2,721 |
| Cost of funding earning assets | 0.4031% | 3,838 |
| Net interest margin | 3.8604% | 2,332 |
| Noninterest income to average assets | 0.7346% | 2,115 |
| Noninterest expense to average assets | 3.3577% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0600% | 2,080 |
| Return on assets (ROA) | 1.0600% | 2,156 |
| Pretax return on assets | 1.0646% | 3,228 |
| Return on Equity (ROE) | 8.2927% | 2,935 |
| Retained earnings to average equity (ytd only) | 1.4972% | 5,144 |
| Net charge-offs to loans | 0.1142% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.2982% | 1,804 |
| Efficiency ratio | 75.9264% | 2,653 |
| Assets per employee ($millions) | 3.2173% | 5,398 |
| Cash dividends to net income (ytd only)* | 81.9459% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 1,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 2,490 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 57.4548% | 4,060 |
| Net loans and leases to deposits | 70.2807% | 3,787 |
| Net loans and leases to core deposits | 72.3647% | 4,008 |
| Total domestic deposits to total assets | 81.7505% | 4,734 |
| Equity capital to assets | 12.8582% | 1,448 |
| Core capital (leverage) ratio | 12.9690% | 1,166 |
| Tier 1 risk-based capital ratio | 21.7044% | 1,310 |
| Total risk-based capital ratio | 22.9617% | 1,288 |
| Memoranda: | ||
| Average total assets | $174,522,000 | 3,310 |
| Average earning assets | $166,717,670 | 3,238 |
| Average equity | $22,308,670 | 2,914 |
| Average total loans | $99,845,000 | 3,457 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 2,826 |
| Cost of funding earning assets | 0.4153% | 3,811 |
| Net interest margin | 3.7980% | 2,479 |
| Noninterest income to average assets | 0.6786% | 2,295 |
| Noninterest expense to average assets | 3.4136% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8955% | 2,678 |
| Return on assets (ROA) | 0.8955% | 2,739 |
| Pretax return on assets | 0.8955% | 3,713 |
| Return on Equity (ROE) | 7.0269% | 3,467 |
| Retained earnings to average equity (ytd only) | -1.4307% | 5,786 |
| Net charge-offs to loans | 0.4327% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.6604% | 2,648 |
| Efficiency ratio | 79.2180% | 2,305 |
| Assets per employee ($millions) | 3.2362% | 5,475 |
| Cash dividends to net income (ytd only)* | 120.3608% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 1,938 |
| Loan loss allowance to noncurrent loans | 16,563.6364% | 49 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 2,521 |
| Noncurrent loans to loans | 0.0111% | 6,141 |
| Net loans and leases to total assets | 55.7307% | 4,177 |
| Net loans and leases to deposits | 68.1175% | 3,845 |
| Net loans and leases to core deposits | 70.2885% | 4,055 |
| Total domestic deposits to total assets | 81.8155% | 4,992 |
| Equity capital to assets | 12.7214% | 1,444 |
| Core capital (leverage) ratio | 12.9912% | 1,167 |
| Tier 1 risk-based capital ratio | 21.7062% | 1,339 |
| Total risk-based capital ratio | 22.9629% | 1,317 |
| Memoranda: | ||
| Average total assets | $173,306,500 | 3,359 |
| Average earning assets | $165,665,500 | 3,271 |
| Average equity | $22,086,500 | 2,932 |
| Average total loans | $97,998,000 | 3,515 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 3,533 |
| Cost of funding earning assets | 0.4493% | 4,124 |
| Net interest margin | 3.7022% | 3,044 |
| Noninterest income to average assets | 0.6093% | 3,029 |
| Noninterest expense to average assets | 3.3758% | 1,934 |
| Loan and lease loss provision to assets | 0.0177% | 4,778 |
| Net operating income to assets | 0.7430% | 3,594 |
| Return on assets (ROA) | 0.7430% | 3,682 |
| Pretax return on assets | 0.7430% | 4,368 |
| Return on Equity (ROE) | 5.5622% | 4,353 |
| Retained earnings to average equity (ytd only) | -0.7184% | 6,015 |
| Net charge-offs to loans | 0.1555% | 3,251 |
| Credit loss provision to net charge-offs | 20.8333% | 4,433 |
| Earnings coverage of net charge-offs (x) | 8.9722% | 2,572 |
| Efficiency ratio | 81.6112% | 1,928 |
| Assets per employee ($millions) | 3.2426% | 5,404 |
| Cash dividends to net income (ytd only)* | 112.9160% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9921% | 1,570 |
| Loan loss allowance to noncurrent loans | 153.5032% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5094% | 2,464 |
| Noncurrent loans to loans | 1.2977% | 2,964 |
| Net loans and leases to total assets | 55.1932% | 4,432 |
| Net loans and leases to deposits | 67.5610% | 4,115 |
| Net loans and leases to core deposits | 69.7448% | 4,310 |
| Total domestic deposits to total assets | 81.6938% | 4,977 |
| Equity capital to assets | 12.7674% | 1,384 |
| Core capital (leverage) ratio | 13.1391% | 1,087 |
| Tier 1 risk-based capital ratio | 22.4161% | 1,189 |
| Total risk-based capital ratio | 23.6748% | 1,166 |
| Memoranda: | ||
| Average total assets | $169,857,600 | 3,412 |
| Average earning assets | $161,821,200 | 3,315 |
| Average equity | $22,688,800 | 2,861 |
| Average total loans | $92,625,800 | 3,629 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 3,747 |
| Cost of funding earning assets | 0.4561% | 4,204 |
| Net interest margin | 3.6469% | 3,246 |
| Noninterest income to average assets | 0.6188% | 3,043 |
| Noninterest expense to average assets | 3.3498% | 1,948 |
| Loan and lease loss provision to assets | 0.0236% | 4,537 |
| Net operating income to assets | 0.7141% | 3,788 |
| Return on assets (ROA) | 0.7141% | 3,918 |
| Pretax return on assets | 0.7141% | 4,641 |
| Return on Equity (ROE) | 5.2864% | 4,572 |
| Retained earnings to average equity (ytd only) | -1.9409% | 6,259 |
| Net charge-offs to loans | 0.0568% | 4,090 |
| Credit loss provision to net charge-offs | 76.9231% | 2,917 |
| Earnings coverage of net charge-offs (x) | 24.0250% | 1,440 |
| Efficiency ratio | 81.9530% | 1,830 |
| Assets per employee ($millions) | 3.2364% | 5,414 |
| Cash dividends to net income (ytd only)* | 136.7146% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2162% | 1,301 |
| Loan loss allowance to noncurrent loans | 131.8418% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 2.9732% | 1,245 |
| Noncurrent loans to loans | 1.6809% | 2,669 |
| Net loans and leases to total assets | 52.2952% | 4,843 |
| Net loans and leases to deposits | 64.2615% | 4,494 |
| Net loans and leases to core deposits | 66.3413% | 4,680 |
| Total domestic deposits to total assets | 81.3788% | 5,113 |
| Equity capital to assets | 12.8840% | 1,382 |
| Core capital (leverage) ratio | 13.1592% | 1,142 |
| Tier 1 risk-based capital ratio | 22.9384% | 1,158 |
| Total risk-based capital ratio | 24.1822% | 1,141 |
| Memoranda: | ||
| Average total assets | $169,357,000 | 3,459 |
| Average earning assets | $161,084,000 | 3,352 |
| Average equity | $22,875,500 | 2,866 |
| Average total loans | $91,586,500 | 3,674 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,635 |
| Cost of funding earning assets | 0.4598% | 4,314 |
| Net interest margin | 3.6672% | 3,093 |
| Noninterest income to average assets | 0.5527% | 3,482 |
| Noninterest expense to average assets | 3.3588% | 1,907 |
| Loan and lease loss provision to assets | 0.0356% | 4,235 |
| Net operating income to assets | 0.6487% | 4,065 |
| Return on assets (ROA) | 0.6487% | 4,223 |
| Pretax return on assets | 0.6487% | 4,844 |
| Return on Equity (ROE) | 4.7290% | 4,878 |
| Retained earnings to average equity (ytd only) | -4.7376% | 6,441 |
| Net charge-offs to loans | -0.0044% | 5,614 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0742% | 1,747 |
| Assets per employee ($millions) | 3.1345% | 5,610 |
| Cash dividends to net income (ytd only)* | 200.1828% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3102% | 1,245 |
| Loan loss allowance to noncurrent loans | 93.0045% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 3.4236% | 1,133 |
| Noncurrent loans to loans | 2.4840% | 1,873 |
| Net loans and leases to total assets | 51.8137% | 4,886 |
| Net loans and leases to deposits | 63.8097% | 4,533 |
| Net loans and leases to core deposits | 65.6840% | 4,720 |
| Total domestic deposits to total assets | 81.2004% | 5,290 |
| Equity capital to assets | 12.9478% | 1,364 |
| Core capital (leverage) ratio | 13.2994% | 1,057 |
| Tier 1 risk-based capital ratio | 23.4678% | 1,068 |
| Total risk-based capital ratio | 24.5356% | 1,075 |
| Memoranda: | ||
| Average total assets | $168,632,670 | 3,488 |
| Average earning assets | $160,504,000 | 3,389 |
| Average equity | $23,134,000 | 2,851 |
| Average total loans | $91,537,000 | 3,686 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 3,359 |
| Cost of funding earning assets | 0.4640% | 4,440 |
| Net interest margin | 3.7220% | 2,769 |
| Noninterest income to average assets | 0.6345% | 2,958 |
| Noninterest expense to average assets | 3.3912% | 1,854 |
| Loan and lease loss provision to assets | 0.0356% | 3,997 |
| Net operating income to assets | 0.7533% | 3,421 |
| Return on assets (ROA) | 0.7533% | 3,557 |
| Pretax return on assets | 0.7533% | 4,362 |
| Return on Equity (ROE) | 5.3405% | 4,375 |
| Retained earnings to average equity (ytd only) | -7.8844% | 6,517 |
| Net charge-offs to loans | -0.0043% | 5,240 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1256% | 2,172 |
| Assets per employee ($millions) | 3.1448% | 5,734 |
| Cash dividends to net income (ytd only)* | 247.6341% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2511% | 1,481 |
| Loan loss allowance to noncurrent loans | 107.6923% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 3.3577% | 1,293 |
| Noncurrent loans to loans | 2.0903% | 2,516 |
| Net loans and leases to total assets | 52.6243% | 4,609 |
| Net loans and leases to deposits | 65.9160% | 4,065 |
| Net loans and leases to core deposits | 67.8694% | 4,315 |
| Total domestic deposits to total assets | 79.8354% | 5,789 |
| Equity capital to assets | 13.8025% | 1,090 |
| Core capital (leverage) ratio | 13.4032% | 975 |
| Tier 1 risk-based capital ratio | 20.0222% | 1,761 |
| Total risk-based capital ratio | 21.2800% | 1,735 |
| Memoranda: | ||
| Average total assets | $168,317,000 | 3,528 |
| Average earning assets | $160,345,000 | 3,423 |
| Average equity | $23,743,000 | 2,830 |
| Average total loans | $92,417,500 | 3,690 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 3,301 |
| Cost of funding earning assets | 0.5564% | 4,754 |
| Net interest margin | 3.9686% | 2,533 |
| Noninterest income to average assets | 0.7565% | 2,462 |
| Noninterest expense to average assets | 3.4743% | 1,887 |
| Loan and lease loss provision to assets | 0.4014% | 1,616 |
| Net operating income to assets | 0.6422% | 4,026 |
| Return on assets (ROA) | 0.6503% | 4,252 |
| Pretax return on assets | 0.6503% | 4,827 |
| Return on Equity (ROE) | 4.4732% | 4,946 |
| Retained earnings to average equity (ytd only) | 2.4681% | 4,498 |
| Net charge-offs to loans | 0.4382% | 2,479 |
| Credit loss provision to net charge-offs | 165.3944% | 1,614 |
| Earnings coverage of net charge-offs (x) | 4.3003% | 3,416 |
| Efficiency ratio | 76.8999% | 2,609 |
| Assets per employee ($millions) | 3.1475% | 5,742 |
| Cash dividends to net income (ytd only)* | 44.8243% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1860% | 1,576 |
| Loan loss allowance to noncurrent loans | 69.9076% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.8768% | 1,655 |
| Noncurrent loans to loans | 3.1270% | 1,656 |
| Net loans and leases to total assets | 54.7726% | 4,492 |
| Net loans and leases to deposits | 68.6621% | 3,880 |
| Net loans and leases to core deposits | 70.5413% | 4,229 |
| Total domestic deposits to total assets | 79.7712% | 5,726 |
| Equity capital to assets | 14.4152% | 905 |
| Core capital (leverage) ratio | 13.8938% | 831 |
| Tier 1 risk-based capital ratio | 21.6083% | 1,335 |
| Total risk-based capital ratio | 22.8668% | 1,311 |
| Memoranda: | ||
| Average total assets | $161,931,000 | 3,584 |
| Average earning assets | $153,480,200 | 3,492 |
| Average equity | $23,540,200 | 2,798 |
| Average total loans | $89,683,000 | 3,754 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 3,369 |
| Cost of funding earning assets | 0.5780% | 4,853 |
| Net interest margin | 3.9853% | 2,561 |
| Noninterest income to average assets | 0.7052% | 2,692 |
| Noninterest expense to average assets | 3.4413% | 1,894 |
| Loan and lease loss provision to assets | 0.5393% | 1,096 |
| Net operating income to assets | 0.4945% | 4,862 |
| Return on assets (ROA) | 0.4970% | 5,121 |
| Pretax return on assets | 0.4970% | 5,475 |
| Return on Equity (ROE) | 3.4111% | 5,527 |
| Retained earnings to average equity (ytd only) | 1.5432% | 5,562 |
| Net charge-offs to loans | 0.5453% | 1,970 |
| Credit loss provision to net charge-offs | 179.0634% | 1,556 |
| Earnings coverage of net charge-offs (x) | 3.4325% | 3,648 |
| Efficiency ratio | 76.9003% | 2,536 |
| Assets per employee ($millions) | 3.0767% | 5,909 |
| Cash dividends to net income (ytd only)* | 54.7574% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3091% | 1,500 |
| Loan loss allowance to noncurrent loans | 66.4315% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 3.5298% | 1,416 |
| Noncurrent loans to loans | 3.4759% | 1,563 |
| Net loans and leases to total assets | 53.7564% | 4,784 |
| Net loans and leases to deposits | 67.2933% | 4,288 |
| Net loans and leases to core deposits | 69.3274% | 4,579 |
| Total domestic deposits to total assets | 79.8837% | 5,685 |
| Equity capital to assets | 14.6872% | 912 |
| Core capital (leverage) ratio | 13.9920% | 837 |
| Tier 1 risk-based capital ratio | 22.0777% | 1,319 |
| Total risk-based capital ratio | 23.3382% | 1,296 |
| Memoranda: | ||
| Average total assets | $160,709,500 | 3,641 |
| Average earning assets | $152,020,750 | 3,552 |
| Average equity | $23,413,500 | 2,831 |
| Average total loans | $88,750,750 | 3,824 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 3,433 |
| Cost of funding earning assets | 0.5930% | 4,958 |
| Net interest margin | 3.9911% | 2,542 |
| Noninterest income to average assets | 0.7166% | 2,571 |
| Noninterest expense to average assets | 3.4191% | 1,987 |
| Loan and lease loss provision to assets | 0.5628% | 1,084 |
| Net operating income to assets | 0.5052% | 4,796 |
| Return on assets (ROA) | 0.5090% | 5,041 |
| Pretax return on assets | 0.5090% | 5,413 |
| Return on Equity (ROE) | 3.5034% | 5,476 |
| Retained earnings to average equity (ytd only) | 0.6714% | 5,794 |
| Net charge-offs to loans | 0.8866% | 1,242 |
| Credit loss provision to net charge-offs | 114.7959% | 2,384 |
| Earnings coverage of net charge-offs (x) | 2.1786% | 3,894 |
| Efficiency ratio | 76.1984% | 2,710 |
| Assets per employee ($millions) | 3.0888% | 5,875 |
| Cash dividends to net income (ytd only)* | 80.8354% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0868% | 2,023 |
| Loan loss allowance to noncurrent loans | 56.5858% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 4.2754% | 1,165 |
| Noncurrent loans to loans | 3.6878% | 1,540 |
| Net loans and leases to total assets | 53.8393% | 4,829 |
| Net loans and leases to deposits | 67.2727% | 4,319 |
| Net loans and leases to core deposits | 69.4668% | 4,602 |
| Total domestic deposits to total assets | 80.0314% | 5,732 |
| Equity capital to assets | 14.6180% | 883 |
| Core capital (leverage) ratio | 14.0054% | 802 |
| Tier 1 risk-based capital ratio | 22.2320% | 1,247 |
| Total risk-based capital ratio | 23.4405% | 1,232 |
| Memoranda: | ||
| Average total assets | $159,923,670 | 3,664 |
| Average earning assets | $151,086,670 | 3,581 |
| Average equity | $23,234,670 | 2,831 |
| Average total loans | $88,424,000 | 3,842 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 3,630 |
| Cost of funding earning assets | 0.5988% | 5,142 |
| Net interest margin | 3.9742% | 2,614 |
| Noninterest income to average assets | 0.7720% | 2,289 |
| Noninterest expense to average assets | 3.3739% | 2,078 |
| Loan and lease loss provision to assets | 0.5640% | 1,031 |
| Net operating income to assets | 0.5941% | 4,369 |
| Return on assets (ROA) | 0.5941% | 4,586 |
| Pretax return on assets | 0.5941% | 5,140 |
| Return on Equity (ROE) | 4.1017% | 5,247 |
| Retained earnings to average equity (ytd only) | 4.1017% | 4,131 |
| Net charge-offs to loans | 0.4114% | 2,068 |
| Credit loss provision to net charge-offs | 247.2527% | 1,155 |
| Earnings coverage of net charge-offs (x) | 5.0769% | 2,444 |
| Efficiency ratio | 74.4469% | 3,027 |
| Assets per employee ($millions) | 2.9956% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1912% | 1,897 |
| Loan loss allowance to noncurrent loans | 59.5593% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 4.1066% | 1,339 |
| Noncurrent loans to loans | 3.6790% | 1,685 |
| Net loans and leases to total assets | 53.9523% | 4,730 |
| Net loans and leases to deposits | 67.8455% | 4,092 |
| Net loans and leases to core deposits | 70.1037% | 4,403 |
| Total domestic deposits to total assets | 79.5223% | 5,967 |
| Equity capital to assets | 14.5898% | 838 |
| Core capital (leverage) ratio | 14.1451% | 766 |
| Tier 1 risk-based capital ratio | 22.2035% | 1,256 |
| Total risk-based capital ratio | 23.4128% | 1,234 |
| Memoranda: | ||
| Average total assets | $159,577,000 | 3,696 |
| Average earning assets | $150,973,500 | 3,598 |
| Average equity | $23,112,500 | 2,840 |
| Average total loans | $88,477,000 | 3,868 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 2,140 |
| Cost of funding earning assets | 0.6573% | 5,784 |
| Net interest margin | 4.5241% | 1,084 |
| Noninterest income to average assets | 0.3373% | 5,117 |
| Noninterest expense to average assets | 3.4886% | 2,012 |
| Loan and lease loss provision to assets | 1.4961% | 496 |
| Net operating income to assets | -0.3506% | 6,381 |
| Return on assets (ROA) | -0.3424% | 6,425 |
| Pretax return on assets | -0.3424% | 6,376 |
| Return on Equity (ROE) | -2.3007% | 6,359 |
| Retained earnings to average equity (ytd only) | -4.8666% | 6,438 |
| Net charge-offs to loans | 2.3574% | 522 |
| Credit loss provision to net charge-offs | 103.8428% | 3,321 |
| Earnings coverage of net charge-offs (x) | 0.7951% | 5,198 |
| Efficiency ratio | 75.2815% | 3,011 |
| Assets per employee ($millions) | 2.9701% | 6,156 |
| Cash dividends to net income (ytd only)* | -111.5242% | 7,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 2,290 |
| Loan loss allowance to noncurrent loans | 146.6721% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 2.6723% | 2,277 |
| Noncurrent loans to loans | 1.3617% | 4,100 |
| Net loans and leases to total assets | 54.6126% | 4,931 |
| Net loans and leases to deposits | 69.4698% | 4,202 |
| Net loans and leases to core deposits | 72.0404% | 4,532 |
| Total domestic deposits to total assets | 78.6135% | 6,071 |
| Equity capital to assets | 14.3784% | 942 |
| Core capital (leverage) ratio | 13.9288% | 842 |
| Tier 1 risk-based capital ratio | 21.7828% | 1,267 |
| Total risk-based capital ratio | 22.9721% | 1,245 |
| Memoranda: | ||
| Average total assets | $157,142,400 | 3,675 |
| Average earning assets | $149,244,600 | 3,589 |
| Average equity | $23,383,800 | 2,738 |
| Average total loans | $96,038,000 | 3,726 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2717% | 1,963 |
| Cost of funding earning assets | 0.6686% | 5,943 |
| Net interest margin | 4.6031% | 939 |
| Noninterest income to average assets | 0.1970% | 6,188 |
| Noninterest expense to average assets | 3.4976% | 1,945 |
| Loan and lease loss provision to assets | 1.1352% | 712 |
| Net operating income to assets | -0.0614% | 6,238 |
| Return on assets (ROA) | -0.0614% | 6,330 |
| Pretax return on assets | -0.0614% | 6,291 |
| Return on Equity (ROE) | -0.4091% | 6,310 |
| Retained earnings to average equity (ytd only) | -2.9150% | 6,408 |
| Net charge-offs to loans | 1.2937% | 1,194 |
| Credit loss provision to net charge-offs | 140.4008% | 2,265 |
| Earnings coverage of net charge-offs (x) | 1.3281% | 4,620 |
| Efficiency ratio | 76.5112% | 2,767 |
| Assets per employee ($millions) | 3.0152% | 6,081 |
| Cash dividends to net income (ytd only)* | -612.4896% | 7,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2003% | 1,861 |
| Loan loss allowance to noncurrent loans | 57.1860% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 3.6344% | 1,727 |
| Noncurrent loans to loans | 3.8475% | 1,741 |
| Net loans and leases to total assets | 57.8821% | 4,533 |
| Net loans and leases to deposits | 72.3779% | 3,920 |
| Net loans and leases to core deposits | 75.0036% | 4,320 |
| Total domestic deposits to total assets | 79.9720% | 5,750 |
| Equity capital to assets | 14.8611% | 889 |
| Core capital (leverage) ratio | 14.5267% | 764 |
| Tier 1 risk-based capital ratio | 21.9760% | 1,294 |
| Total risk-based capital ratio | 23.1882% | 1,275 |
| Memoranda: | ||
| Average total assets | $156,331,500 | 3,721 |
| Average earning assets | $148,563,000 | 3,622 |
| Average equity | $23,464,500 | 2,731 |
| Average total loans | $97,703,500 | 3,710 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 1,728 |
| Cost of funding earning assets | 0.6783% | 6,079 |
| Net interest margin | 4.6670% | 788 |
| Noninterest income to average assets | 0.5568% | 3,421 |
| Noninterest expense to average assets | 3.5612% | 1,836 |
| Loan and lease loss provision to assets | 1.1909% | 658 |
| Net operating income to assets | 0.2384% | 5,600 |
| Return on assets (ROA) | 0.2384% | 5,720 |
| Pretax return on assets | 0.2384% | 5,840 |
| Return on Equity (ROE) | 1.5832% | 5,915 |
| Retained earnings to average equity (ytd only) | -0.4793% | 5,957 |
| Net charge-offs to loans | 1.4198% | 1,064 |
| Credit loss provision to net charge-offs | 131.8117% | 2,317 |
| Earnings coverage of net charge-offs (x) | 1.5820% | 4,102 |
| Efficiency ratio | 71.3585% | 3,865 |
| Assets per employee ($millions) | 2.9401% | 6,218 |
| Cash dividends to net income (ytd only)* | 130.2703% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 2,391 |
| Loan loss allowance to noncurrent loans | 64.4415% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 3.6708% | 1,779 |
| Noncurrent loans to loans | 3.0931% | 2,328 |
| Net loans and leases to total assets | 60.6169% | 4,164 |
| Net loans and leases to deposits | 74.5037% | 3,716 |
| Net loans and leases to core deposits | 77.0501% | 4,183 |
| Total domestic deposits to total assets | 81.3609% | 5,402 |
| Equity capital to assets | 15.1967% | 770 |
| Core capital (leverage) ratio | 14.9263% | 680 |
| Tier 1 risk-based capital ratio | 21.9204% | 1,266 |
| Total risk-based capital ratio | 23.1782% | 1,239 |
| Memoranda: | ||
| Average total assets | $155,173,330 | 3,763 |
| Average earning assets | $147,418,670 | 3,663 |
| Average equity | $23,369,670 | 2,717 |
| Average total loans | $98,744,670 | 3,721 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 1,439 |
| Cost of funding earning assets | 0.6814% | 6,241 |
| Net interest margin | 4.7646% | 616 |
| Noninterest income to average assets | 0.9170% | 1,596 |
| Noninterest expense to average assets | 3.7637% | 1,414 |
| Loan and lease loss provision to assets | 1.4595% | 445 |
| Net operating income to assets | 0.2273% | 5,694 |
| Return on assets (ROA) | 0.2273% | 5,762 |
| Pretax return on assets | 0.2273% | 5,881 |
| Return on Equity (ROE) | 1.5163% | 5,977 |
| Retained earnings to average equity (ytd only) | -1.1372% | 6,016 |
| Net charge-offs to loans | 2.5818% | 431 |
| Credit loss provision to net charge-offs | 87.5969% | 2,982 |
| Earnings coverage of net charge-offs (x) | 1.0124% | 3,896 |
| Efficiency ratio | 69.0521% | 4,466 |
| Assets per employee ($millions) | 2.9475% | 6,242 |
| Cash dividends to net income (ytd only)* | 175.0000% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 3,471 |
| Loan loss allowance to noncurrent loans | 67.3189% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 3.4573% | 1,971 |
| Noncurrent loans to loans | 2.4712% | 3,023 |
| Net loans and leases to total assets | 61.1857% | 4,043 |
| Net loans and leases to deposits | 77.6094% | 3,135 |
| Net loans and leases to core deposits | 80.0239% | 3,757 |
| Total domestic deposits to total assets | 78.8379% | 6,231 |
| Equity capital to assets | 14.8357% | 799 |
| Core capital (leverage) ratio | 15.1659% | 629 |
| Tier 1 risk-based capital ratio | 21.6361% | 1,296 |
| Total risk-based capital ratio | 22.8902% | 1,271 |
| Memoranda: | ||
| Average total assets | $154,848,500 | 3,796 |
| Average earning assets | $147,336,000 | 3,688 |
| Average equity | $23,214,500 | 2,726 |
| Average total loans | $99,929,000 | 3,722 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7852% | 1,310 |
| Cost of funding earning assets | 0.8018% | 6,563 |
| Net interest margin | 4.9834% | 447 |
| Noninterest income to average assets | 0.9386% | 1,711 |
| Noninterest expense to average assets | 4.5134% | 640 |
| Loan and lease loss provision to assets | 1.0147% | 1,604 |
| Net operating income to assets | 0.1025% | 5,580 |
| Return on assets (ROA) | 0.1025% | 5,721 |
| Pretax return on assets | 0.1025% | 5,695 |
| Return on Equity (ROE) | 0.6687% | 5,791 |
| Retained earnings to average equity (ytd only) | 0.6687% | 5,236 |
| Net charge-offs to loans | 1.4704% | 1,504 |
| Credit loss provision to net charge-offs | 98.7138% | 4,687 |
| Earnings coverage of net charge-offs (x) | 1.0868% | 5,026 |
| Efficiency ratio | 80.1597% | 2,394 |
| Assets per employee ($millions) | 2.8958% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 3,382 |
| Loan loss allowance to noncurrent loans | 49.3748% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 4.1445% | 1,621 |
| Noncurrent loans to loans | 3.3500% | 2,272 |
| Net loans and leases to total assets | 65.7810% | 3,510 |
| Net loans and leases to deposits | 81.1282% | 2,963 |
| Net loans and leases to core deposits | 83.4373% | 3,678 |
| Total domestic deposits to total assets | 81.0828% | 5,501 |
| Equity capital to assets | 15.1506% | 753 |
| Core capital (leverage) ratio | 15.0336% | 659 |
| Tier 1 risk-based capital ratio | 20.6081% | 1,380 |
| Total risk-based capital ratio | 21.8618% | 1,365 |
| Memoranda: | ||
| Average total assets | $151,282,200 | 3,852 |
| Average earning assets | $142,432,000 | 3,770 |
| Average equity | $23,178,600 | 2,739 |
| Average total loans | $105,753,000 | 3,634 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7579% | 1,521 |
| Cost of funding earning assets | 0.8234% | 6,674 |
| Net interest margin | 4.9346% | 518 |
| Noninterest income to average assets | 0.9305% | 1,684 |
| Noninterest expense to average assets | 4.8783% | 413 |
| Loan and lease loss provision to assets | 1.0057% | 1,474 |
| Net operating income to assets | -0.3202% | 6,450 |
| Return on assets (ROA) | -0.3202% | 6,497 |
| Pretax return on assets | -0.3202% | 6,423 |
| Return on Equity (ROE) | -2.0840% | 6,414 |
| Retained earnings to average equity (ytd only) | -2.0840% | 6,217 |
| Net charge-offs to loans | 0.2090% | 4,692 |
| Credit loss provision to net charge-offs | 680.8383% | 433 |
| Earnings coverage of net charge-offs (x) | 4.6408% | 2,965 |
| Efficiency ratio | 87.6789% | 1,479 |
| Assets per employee ($millions) | 2.8112% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6087% | 1,195 |
| Loan loss allowance to noncurrent loans | 81.2085% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 4.0400% | 1,730 |
| Noncurrent loans to loans | 3.2123% | 2,473 |
| Net loans and leases to total assets | 63.7457% | 4,172 |
| Net loans and leases to deposits | 79.8480% | 3,481 |
| Net loans and leases to core deposits | 82.3328% | 4,193 |
| Total domestic deposits to total assets | 79.8338% | 5,763 |
| Equity capital to assets | 14.6747% | 975 |
| Core capital (leverage) ratio | 14.9027% | 734 |
| Tier 1 risk-based capital ratio | 20.1997% | 1,511 |
| Total risk-based capital ratio | 21.3521% | 1,493 |
| Memoranda: | ||
| Average total assets | $150,733,000 | 3,914 |
| Average earning assets | $141,528,750 | 3,844 |
| Average equity | $23,160,000 | 2,783 |
| Average total loans | $106,526,750 | 3,668 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7328% | 1,634 |
| Cost of funding earning assets | 0.8488% | 6,762 |
| Net interest margin | 4.8840% | 553 |
| Noninterest income to average assets | 0.9562% | 1,497 |
| Noninterest expense to average assets | 5.3104% | 305 |
| Loan and lease loss provision to assets | 1.3293% | 1,022 |
| Net operating income to assets | -1.1111% | 6,992 |
| Return on assets (ROA) | -1.1111% | 7,004 |
| Pretax return on assets | -1.1111% | 6,936 |
| Return on Equity (ROE) | -7.1184% | 6,843 |
| Retained earnings to average equity (ytd only) | -7.1184% | 6,750 |
| Net charge-offs to loans | 0.2173% | 4,302 |
| Credit loss provision to net charge-offs | 843.5897% | 443 |
| Earnings coverage of net charge-offs (x) | 1.3846% | 4,447 |
| Efficiency ratio | 96.0536% | 963 |
| Assets per employee ($millions) | 2.6974% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4437% | 1,375 |
| Loan loss allowance to noncurrent loans | 43.3406% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 6.0873% | 957 |
| Noncurrent loans to loans | 5.6383% | 1,162 |
| Net loans and leases to total assets | 68.3725% | 3,272 |
| Net loans and leases to deposits | 82.8371% | 3,108 |
| Net loans and leases to core deposits | 84.7555% | 4,030 |
| Total domestic deposits to total assets | 82.5385% | 4,768 |
| Equity capital to assets | 14.9002% | 905 |
| Core capital (leverage) ratio | 15.0048% | 720 |
| Tier 1 risk-based capital ratio | 19.2849% | 1,656 |
| Total risk-based capital ratio | 20.5473% | 1,616 |
| Memoranda: | ||
| Average total assets | $148,501,670 | 3,982 |
| Average earning assets | $139,024,330 | 3,922 |
| Average equity | $23,179,330 | 2,771 |
| Average total loans | $107,688,670 | 3,685 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0850% | 804 |
| Cost of funding earning assets | 0.8439% | 6,959 |
| Net interest margin | 5.2411% | 266 |
| Noninterest income to average assets | 0.9754% | 1,378 |
| Noninterest expense to average assets | 4.0156% | 1,008 |
| Loan and lease loss provision to assets | 1.2226% | 995 |
| Net operating income to assets | 0.6303% | 3,757 |
| Return on assets (ROA) | 0.6303% | 3,884 |
| Pretax return on assets | 0.6303% | 4,490 |
| Return on Equity (ROE) | 3.9463% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.9463% | 3,772 |
| Net charge-offs to loans | 0.3278% | 3,094 |
| Credit loss provision to net charge-offs | 505.6180% | 825 |
| Earnings coverage of net charge-offs (x) | 7.6629% | 2,059 |
| Efficiency ratio | 68.4259% | 4,638 |
| Assets per employee ($millions) | 2.6926% | 6,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,392 |
| Loan loss allowance to noncurrent loans | 36.5828% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 6.7600% | 816 |
| Noncurrent loans to loans | 5.2428% | 1,359 |
| Net loans and leases to total assets | 71.7917% | 2,502 |
| Net loans and leases to deposits | 85.5119% | 2,677 |
| Net loans and leases to core deposits | 88.3699% | 3,588 |
| Total domestic deposits to total assets | 83.9551% | 4,166 |
| Equity capital to assets | 15.9463% | 680 |
| Core capital (leverage) ratio | 16.0172% | 578 |
| Tier 1 risk-based capital ratio | 19.2669% | 1,660 |
| Total risk-based capital ratio | 20.5229% | 1,633 |
| Memoranda: | ||
| Average total assets | $147,226,500 | 4,057 |
| Average earning assets | $137,452,500 | 4,007 |
| Average equity | $23,515,500 | 2,767 |
| Average total loans | $108,600,500 | 3,715 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5155% | 650 |
| Cost of funding earning assets | 0.8699% | 7,452 |
| Net interest margin | 5.6456% | 159 |
| Noninterest income to average assets | 0.9596% | 1,707 |
| Noninterest expense to average assets | 4.1829% | 1,115 |
| Loan and lease loss provision to assets | 2.2946% | 891 |
| Net operating income to assets | -0.1354% | 5,733 |
| Return on assets (ROA) | -0.2433% | 5,889 |
| Pretax return on assets | -0.2413% | 5,754 |
| Return on Equity (ROE) | -1.4042% | 5,757 |
| Retained earnings to average equity (ytd only) | -10.8609% | 6,586 |
| Net charge-offs to loans | 2.2608% | 1,039 |
| Credit loss provision to net charge-offs | 128.5329% | 4,012 |
| Earnings coverage of net charge-offs (x) | 1.2106% | 4,915 |
| Efficiency ratio | 65.9335% | 5,402 |
| Assets per employee ($millions) | 2.5235% | 7,164 |
| Cash dividends to net income (ytd only)* | -673.4463% | 7,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 3,362 |
| Loan loss allowance to noncurrent loans | 57.7285% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 4.2101% | 1,552 |
| Noncurrent loans to loans | 2.7352% | 2,825 |
| Net loans and leases to total assets | 73.1658% | 2,464 |
| Net loans and leases to deposits | 87.2456% | 2,692 |
| Net loans and leases to core deposits | 100.5398% | 3,943 |
| Total domestic deposits to total assets | 83.8619% | 4,097 |
| Equity capital to assets | 15.9987% | 702 |
| Core capital (leverage) ratio | 15.7861% | 647 |
| Tier 1 risk-based capital ratio | 19.2753% | 1,597 |
| Total risk-based capital ratio | 20.5279% | 1,561 |
| Memoranda: | ||
| Average total assets | $145,472,000 | 4,021 |
| Average earning assets | $138,745,200 | 3,931 |
| Average equity | $25,209,800 | 2,590 |
| Average total loans | $114,869,000 | 3,584 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4920% | 759 |
| Cost of funding earning assets | 0.8788% | 7,592 |
| Net interest margin | 5.6131% | 163 |
| Noninterest income to average assets | 0.9602% | 1,739 |
| Noninterest expense to average assets | 4.1032% | 1,143 |
| Loan and lease loss provision to assets | 0.7344% | 2,543 |
| Net operating income to assets | 1.4981% | 815 |
| Return on assets (ROA) | 1.4145% | 1,059 |
| Pretax return on assets | 1.4155% | 1,652 |
| Return on Equity (ROE) | 8.0076% | 2,631 |
| Retained earnings to average equity (ytd only) | -2.9308% | 5,924 |
| Net charge-offs to loans | 0.8500% | 2,266 |
| Credit loss provision to net charge-offs | 107.8167% | 4,714 |
| Earnings coverage of net charge-offs (x) | 3.2790% | 3,598 |
| Efficiency ratio | 64.7545% | 5,601 |
| Assets per employee ($millions) | 2.4905% | 7,242 |
| Cash dividends to net income (ytd only)* | 136.5995% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 7,013 |
| Loan loss allowance to noncurrent loans | 13.2585% | 7,378 |
| Noncurrent assets plus other real estate owned to assets | 5.3838% | 1,073 |
| Noncurrent loans to loans | 6.2867% | 929 |
| Net loans and leases to total assets | 80.3199% | 1,120 |
| Net loans and leases to deposits | 97.4261% | 1,393 |
| Net loans and leases to core deposits | 112.4587% | 2,975 |
| Total domestic deposits to total assets | 82.4418% | 4,478 |
| Equity capital to assets | 17.3710% | 579 |
| Core capital (leverage) ratio | 17.0756% | 547 |
| Tier 1 risk-based capital ratio | 19.8741% | 1,586 |
| Total risk-based capital ratio | 20.7249% | 1,611 |
| Memoranda: | ||
| Average total assets | $145,249,500 | 4,054 |
| Average earning assets | $139,122,500 | 3,948 |
| Average equity | $25,658,250 | 2,576 |
| Average total loans | $116,385,000 | 3,586 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4307% | 942 |
| Cost of funding earning assets | 0.8818% | 7,715 |
| Net interest margin | 5.5489% | 174 |
| Noninterest income to average assets | 0.9759% | 1,671 |
| Noninterest expense to average assets | 4.1248% | 1,161 |
| Loan and lease loss provision to assets | 0.3456% | 3,853 |
| Net operating income to assets | 1.8288% | 433 |
| Return on assets (ROA) | 1.7445% | 562 |
| Pretax return on assets | 1.7445% | 945 |
| Return on Equity (ROE) | 9.8200% | 2,084 |
| Retained earnings to average equity (ytd only) | -2.1865% | 5,781 |
| Net charge-offs to loans | 0.0104% | 6,419 |
| Credit loss provision to net charge-offs | 4,166.6667% | 121 |
| Earnings coverage of net charge-offs (x) | 262.1667% | 151 |
| Efficiency ratio | 65.4817% | 5,631 |
| Assets per employee ($millions) | 2.4288% | 7,379 |
| Cash dividends to net income (ytd only)* | 122.2662% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 6,350 |
| Loan loss allowance to noncurrent loans | 19.2289% | 7,176 |
| Noncurrent assets plus other real estate owned to assets | 4.3932% | 1,295 |
| Noncurrent loans to loans | 5.1253% | 1,177 |
| Net loans and leases to total assets | 80.8022% | 1,172 |
| Net loans and leases to deposits | 98.4005% | 1,467 |
| Net loans and leases to core deposits | 112.8199% | 3,038 |
| Total domestic deposits to total assets | 82.1156% | 4,638 |
| Equity capital to assets | 17.6600% | 584 |
| Core capital (leverage) ratio | 17.7942% | 530 |
| Tier 1 risk-based capital ratio | 20.1631% | 1,548 |
| Total risk-based capital ratio | 21.1642% | 1,553 |
| Memoranda: | ||
| Average total assets | $144,686,000 | 4,090 |
| Average earning assets | $138,803,330 | 3,975 |
| Average equity | $25,702,670 | 2,582 |
| Average total loans | $115,508,670 | 3,636 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3742% | 1,123 |
| Cost of funding earning assets | 0.9176% | 7,793 |
| Net interest margin | 5.4566% | 189 |
| Noninterest income to average assets | 0.9877% | 1,520 |
| Noninterest expense to average assets | 4.1230% | 1,036 |
| Loan and lease loss provision to assets | 0.0832% | 5,892 |
| Net operating income to assets | 2.0116% | 343 |
| Return on assets (ROA) | 1.9283% | 453 |
| Pretax return on assets | 1.9283% | 755 |
| Return on Equity (ROE) | 10.8228% | 2,021 |
| Retained earnings to average equity (ytd only) | -2.7875% | 6,242 |
| Net charge-offs to loans | -0.0387% | 7,627 |
| Credit loss provision to net charge-offs | -272.7273% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3097% | 5,266 |
| Assets per employee ($millions) | 2.4213% | 7,422 |
| Cash dividends to net income (ytd only)* | 125.7554% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,934 |
| Loan loss allowance to noncurrent loans | 17.8730% | 7,268 |
| Noncurrent assets plus other real estate owned to assets | 3.9393% | 1,314 |
| Noncurrent loans to loans | 4.7933% | 1,156 |
| Net loans and leases to total assets | 77.1096% | 2,016 |
| Net loans and leases to deposits | 93.7753% | 2,309 |
| Net loans and leases to core deposits | 108.1302% | 3,660 |
| Total domestic deposits to total assets | 82.2280% | 4,460 |
| Equity capital to assets | 17.6247% | 653 |
| Core capital (leverage) ratio | 17.9190% | 567 |
| Tier 1 risk-based capital ratio | 21.1497% | 1,428 |
| Total risk-based capital ratio | 22.0296% | 1,455 |
| Memoranda: | ||
| Average total assets | $144,166,500 | 4,110 |
| Average earning assets | $138,181,000 | 3,991 |
| Average equity | $25,686,500 | 2,597 |
| Average total loans | $113,802,500 | 3,703 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1224% | 880 |
| Cost of funding earning assets | 1.2615% | 7,881 |
| Net interest margin | 5.8609% | 127 |
| Noninterest income to average assets | 1.0117% | 1,540 |
| Noninterest expense to average assets | 4.2628% | 1,085 |
| Loan and lease loss provision to assets | 0.0366% | 6,949 |
| Net operating income to assets | 2.3045% | 194 |
| Return on assets (ROA) | 2.2906% | 192 |
| Pretax return on assets | 2.2972% | 314 |
| Return on Equity (ROE) | 13.2226% | 1,277 |
| Retained earnings to average equity (ytd only) | -1.6346% | 5,774 |
| Net charge-offs to loans | 0.0761% | 5,669 |
| Credit loss provision to net charge-offs | 61.1111% | 6,219 |
| Earnings coverage of net charge-offs (x) | 39.2444% | 952 |
| Efficiency ratio | 64.4847% | 5,458 |
| Assets per employee ($millions) | 2.2352% | 7,655 |
| Cash dividends to net income (ytd only)* | 112.3622% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 7,082 |
| Loan loss allowance to noncurrent loans | 21.3839% | 7,170 |
| Noncurrent assets plus other real estate owned to assets | 3.2351% | 1,408 |
| Noncurrent loans to loans | 3.7701% | 1,322 |
| Net loans and leases to total assets | 79.4728% | 1,780 |
| Net loans and leases to deposits | 97.3081% | 2,230 |
| Net loans and leases to core deposits | 112.7811% | 3,473 |
| Total domestic deposits to total assets | 81.6713% | 4,329 |
| Equity capital to assets | 18.0128% | 649 |
| Core capital (leverage) ratio | 17.8220% | 624 |
| Tier 1 risk-based capital ratio | 19.4863% | 1,703 |
| Total risk-based capital ratio | 20.2614% | 1,768 |
| Memoranda: | ||
| Average total assets | $150,441,800 | 3,890 |
| Average earning assets | $143,715,200 | 3,766 |
| Average equity | $26,061,400 | 2,555 |
| Average total loans | $118,288,800 | 3,504 |